{"schema":1,"baseline":"2026-10-29","reports":[{"key":"d001--main","task":"D001","title":"Settlement Fundamentals, Suitability, and Costs","parent_title":"Settlement fundamentals suitability and costs","edition":"initial","path":"/research/d001--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[41,42,47],"groups":["settlement"],"date":"2026-10-22","tables":7,"claims":37,"sources":28,"review_status":"revise","review_complete":true,"sha256":"35b19a0d2bfbae5a93e30e6b556865a745a56317dfac74732f8ca29a4d3b5c02","headings":["Research scope, hierarchy, and bottom line","A041 — Settlement fundamentals and suitability","A042 — DIY settlement and hired help","A047 — Settlement fees and actual financial results","\\text{enrolled debt baseline}","\\text{settlement payments}","\\text{provider fees}","\\text{account fees}","\\text{legal/court costs}","\\text{tax attributable to cancellation}","Worked examples, comparisons, and publication opportunities","Source register and material claim register","Coverage, gaps, and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D001/initial","facets":{"geography":["us"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation"]},"scope":"","pending_corrections":0},{"key":"d001--correction-01","task":"D001","title":"Correction Supplement: Settlement Fundamentals, Suitability, and Costs","parent_title":"Settlement fundamentals suitability and costs","edition":"correction-01","path":"/research/d001--correction-01/","kind":"correction","category":"subject","role":"foundation","area_numbers":[41,42,47],"groups":["settlement"],"date":"2026-10-22","tables":6,"claims":10,"sources":15,"review_status":"revise","review_complete":true,"sha256":"8870b736ab0919c122807d5a222d3d2a11825ed0190c0fdf451dcf772e063a96","headings":["Correction disposition and integration instructions","Replacement findings and wording","Replacement for D001-C009 — validation disputes, original-creditor requests, and time-barred debt","Replacement for D001-C037 — Legal Services Corporation financial-eligibility exceptions","Replacement for D001-C026 — Form 1099-C reporting versus discharge and tax","Corrected net-results framework and worked examples","Replacement framework","Corrected two-account example","No-guarantee limitation for all examples","Updated source register","Footnote reconciliation","Updated material claim and coverage registers","Material claim register","Coverage table","Integration opportunities, publication holds, and researcher self-check","Meaningful comparison and tool/document opportunities","Publication holds","Open questions retained rather than guessed","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D001/correction-01","facets":{"geography":["us"],"debt_type":[],"stage":["repossession","settlement"],"subject":["settlement-negotiation"]},"scope":"","pending_corrections":0},{"key":"d012--main","task":"D012","title":"Research Report: Medical, Dental, and Long-Term Care Debt","parent_title":"Medical dental and long term care debt","edition":"initial","path":"/research/d012--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-22","tables":6,"claims":49,"sources":37,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"4928a9e263039d02a9f6c20f5781141b44d32b15b9cd489554ff76df3072cf31","headings":["Executive findings and controlling status","A016 — Medical, dental and long-term care debt","Hospitals, clinicians, emergency services and debt validity","Surprise bills, uninsured estimates, ambulance, dental and itemization","Charity assistance, mental health, rehabilitation, nursing and long-term care","Collections, credit, financing, litigation and tax","Debt collection and litigation","Credit reporting","Medical credit cards and provider financing","Tax, bankruptcy, collateral and guarantors","Worked examples and practical comparisons","Hospital charity-care ceiling","Self-pay good-faith-estimate dispute","Standard CareCredit minimum payment","Deferred-interest risk","Insolvency and medical-debt cancellation","Nursing-home admission signature","California ground-ambulance example","Insurance-appeal calendar","Comparison matrix","Source register","Material claim register and coverage","Material claim register","Coverage table","Publication opportunities, open questions and researcher self-check","Draft article, tool and document opportunities","Open questions and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/initial","facets":{"geography":["us","us-ca"],"debt_type":["medical","dental"],"stage":[],"subject":["medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--correction-02","task":"D012","title":"Medical, dental and long-term care debt: source and provenance correction","parent_title":"Medical dental and long term care debt","edition":"correction-02","path":"/research/d012--correction-02/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":6,"claims":9,"sources":23,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"80ea12c3c0422b50f3ac96cf802b32e41e45e9bf99236e08513488349045b8c5","headings":["1. Evidence and provenance controls","2. Corrected source register — original IDs preserved","2.1 Sources opened and read","2.2 Remaining missing-URL source records","3. Judicial evidence register — S042 through S046","Corrected judicial synthesis","4. Replacement claim register","Publication replacement — C024","Can a nursing home hold an adult child responsible for a parent's bill?","Publication replacement — C008","What does it cost to dispute a medical bill through federal patient-provider dispute resolution?","5. Coverage correction table","6. Plain-text worked examples","Example 1 — PPDR eligibility and fee","Example 2 — nursing-home representative liability","7. Residual publication holds","8. Researcher self-check and final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/correction-02","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":[],"subject":["medical-assistance","employment-care-benefits","research-quality"]},"scope":"","pending_corrections":0},{"key":"d012--credit-07","task":"D012","title":"Medical-debt credit-reporting status and source limits","parent_title":"Medical dental and long term care debt","edition":"credit-07","path":"/research/d012--credit-07/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":4,"claims":4,"sources":10,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"09c9f7d4f9acdd4ea42923f3f2464bb91f44062cd2d868451c3f6c53f03b95d6","headings":["1. Findings","CREDIT-01 — The CFPB's 2025 Medical Debt Rule was vacated","CREDIT-02 — Qualifying veteran medical debt receives specific statutory protection","CREDIT-03 — The three nationwide credit bureaus historically adopted voluntary changes","2. Source register","3. Replacement material claim register","Additional statutory qualification for C030","4. Publication-ready replacement wording","Can medical debt appear on your credit report?","5. Coverage and gap table","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/credit-07","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":[],"subject":["credit-reporting","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--formula-03","task":"D012","title":"Medical and care debt: repaired worked examples","parent_title":"Medical dental and long term care debt","edition":"formula-03","path":"/research/d012--formula-03/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":9,"claims":8,"sources":4,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"fe01faff551a30dc2e3ab53114a23932f32e1bd27a18a21d8156d1f5ffdf5a1e","headings":["1. Source and evidence-reuse register","2. Complete repaired worked examples","Example 1 — Hospital charity-care ceiling","Example 2 — Self-pay good-faith-estimate dispute","Example 3 — Standard CareCredit minimum payment","Example 4 — Deferred-interest risk","Example 5 — Insolvency and medical-debt cancellation","Example 6 — Nursing-home admission signature","Example 7 — California ground-ambulance example","Example 8 — Insurance-appeal calendar","3. Repaired comparison matrix","4. Replacement claim/example mapping","5. Coverage and residual holds","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/formula-03","facets":{"geography":["us","us-ca"],"debt_type":["medical","dental"],"stage":[],"subject":["medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--insurance-06","task":"D012","title":"Medical insurance denials and appeal-process distinctions","parent_title":"Medical dental and long term care debt","edition":"insurance-06","path":"/research/d012--insurance-06/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":6,"claims":3,"sources":6,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"d2e93b64a25350b7ad3b0ce86bd2fbad1f3268733fcdfcb9e9da1cae4e14d6a3","headings":["1. Principal findings","Finding INS-01 — Insurance denials can be appealed, but the process depends on the coverage","Finding INS-02 — MHPAEA remains operative federal law","Finding INS-03 — The 2024 MHPAEA rule and the 2025 non-enforcement announcement are different legal events","2. Source register — original IDs preserved","Access limitations","3. Replacement material claim records","D012-C013 — insurance coverage adjudication and appeals","D012-C020 — MHPAEA substantive parity","D012-C021 — 2024 final rule and enforcement status","4. Hypothetical applications","Example A — insurance denial versus provider bill","Example B — mental-health parity comparison","5. Coverage and gap table","6. Publication holds and corrections","Suggested publication wording for the status-sensitive issue","7. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/insurance-06","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":["appeal"],"subject":["appeals","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--programs-08","task":"D012","title":"Medical and care debt: federal program-rule source supplement","parent_title":"Medical dental and long term care debt","edition":"programs-08","path":"/research/d012--programs-08/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-26","tables":5,"claims":1,"sources":7,"review_status":"bounded_patch_resolved_by_programs09_remaining_program_holds","review_complete":true,"sha256":"8f2f553f263eb7521be68989859a941d3d890e34369653e89fc0033093b59f83","headings":["1. Controlling federal statute","2. Operational findings — authorization, eligibility and appeals","Who is responsible for payment?","Appeal sequence","3. Source register — preserved and new IDs","4. Replacement claim record — D012-C039","5. Publication-ready replacement wording","Can an outside medical provider bill a patient for IHS Purchased/Referred Care?","6. Hypothetical examples","7. Coverage and residual-gap table","8. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/programs-08","facets":{"geography":["us","us-federal"],"debt_type":["medical","dental"],"stage":["appeal"],"subject":["provider-licensing","appeals","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--programs-09","task":"D012","title":"Care-debt program-rule exception and notice-precision supplement","parent_title":"Medical dental and long term care debt","edition":"programs-09","path":"/research/d012--programs-09/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-26","tables":6,"claims":5,"sources":9,"review_status":"accepted_with_limits_and_explicit_editorial_annotations","review_complete":true,"sha256":"a91d85aed80b097bbf258c79f094b46f825d6858c8bb7050ae898a657a1b2412","headings":["1. Findings","PR9-01 — The 72-hour emergency rule has a statutory exception","PR9-02 — The elderly age threshold is not fully reconciled","PR9-03 — The proposed 15-day rule was not established as enacted","PR9-04 — Section 1621u(c) requires receipt of notice","2. Exact PROGRAMS-08 replacement table","3. Complete corrected D012-C039 claim record","Supplemental claim records","4. Source and access register","5. Affected coverage-cell replacements","6. Residual publication holds","7. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/programs-09","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":[],"subject":["medical-assistance","employment-care-benefits"]},"scope":"OnlyP8emergencynotification1646exception/age-version-billstatushold and1621ucnoticeRECEIPTprecision","pending_corrections":0},{"key":"d012--validation-04","task":"D012","title":"Medical and care debt: validation source and wording supplement","parent_title":"Medical dental and long term care debt","edition":"validation-04","path":"/research/d012--validation-04/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":4,"claims":1,"sources":3,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"a1c6f718640f7b36384f2430ef014711f44d6174d2549a9e634decfe066ae08e","headings":["1. Primary-source register","2. 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No preferred setting is inferred as actual execution."},"public_id":"D012/validation-04","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":["collection"],"subject":["validation-disputes","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d012--validation-05","task":"D012","title":"Medical and care debt: validation sentence and example corrections","parent_title":"Medical dental and long term care debt","edition":"validation-05","path":"/research/d012--validation-05/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":4,"claims":1,"sources":2,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"03437d921967652476c9208258ae0d873e0033129293224ebdf66574369f6124","headings":["1. Exact sentence replacements","Affected example wording","2. Complete corrected claim record","3. Finished consumer replacement paragraph","What happens when you dispute a debt during the validation period?","4. Source and reuse register","5. Coverage and publication holds","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/validation-05","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":["collection"],"subject":["validation-disputes","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},{"key":"d014--main","task":"D014","title":"Tax Debt Resolution and Cancellation Taxation","parent_title":"Tax debt resolution and cancellation taxation","edition":"initial","path":"/research/d014--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-22","tables":8,"claims":50,"sources":40,"review_status":"revise","review_complete":true,"sha256":"da1f6d6c31437b778181f77201ecc3965d3ae1510caa0e273990331d2504b810","headings":["Research baseline, scope, and status","A019 — Tax debt resolution","Federal assessment, liens, levies, and collection sequence","Installment agreements and ordinary payment alternatives","Offers in compromise","Hardship and levy release","Penalties and interest","Payroll tax and responsible-person exposure","Bankruptcy as an alternative","California income, sales/use, payroll and local taxes","A019 practical decision rule","A067 — Taxes after cancellation","General COD rule and why Form 1099-C is not the tax rule","Exceptions before exclusions","Bankruptcy exclusion","Insolvency exclusion","Ordering and tax attributes","Qualified principal residence debt after the 2025 expiration","Student loans and the 2026 transition","Farm debt and real-property business debt","Partnerships, S corporations and debt restructurings","Joint debt and spouses","Foreclosure and repossession","\\text{amount realized on property}","\\text{cancelled recourse balance}","California treatment after cancellation","Credit reporting, collateral, guarantors and validity","Worked examples, comparisons, and publication opportunities","Source register","Material claim register, coverage, and researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/initial","facets":{"geography":["us","us-ca"],"debt_type":["tax"],"stage":[],"subject":["tax-cancellation"]},"scope":"","pending_corrections":0},{"key":"d014--correction-01","task":"D014","title":"Focused evidence correction and publication-control supplement","parent_title":"Tax debt resolution and cancellation taxation","edition":"correction-01","path":"/research/d014--correction-01/","kind":"correction","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-23","tables":13,"claims":19,"sources":9,"review_status":"revise","review_complete":true,"sha256":"6379a19e766e28a1c5f315c8fefe9a1049feccaedaf9e62e7c1933ebf03da2ed","headings":["Focused evidence correction and publication-control supplement","Evidence and ID controls","1. Replacement finding — C008 / S019: IRS Simple Payment Plans","1.1 Material authority timeline","1.2 Individual and business criteria","1.3 TFRP determination — four cumulative conditions","1.4 NFTL and payment-estimate controls","2. Replacement finding — C010: Offer in Compromise application costs","2.1 Three separate pathways","2.2 Payment schedules","2.3 Corrected $15,000 standard-offer example","2.4 Contrasting DATL example","3. S023 — Fourth-quarter 2026 federal interest rates","4. Source register — corrected, recovered and supplemental","4.1 Sources with verified direct URLs","4.2 Original-source reconciliation","5. Material claim register","6. Repaired worked examples — plain-text formulas","Example E01 — Ordinary insolvency","Example E02 — Immediately-before measurement","Example E03 — Tax-attribute credit reduction","Example E04 — Recourse foreclosure","Example E05 — Nonrecourse foreclosure","Example E06 — Conditional joint-debtor allocation","Example E07 — Standard $15,000 OIC","Example E08 — DATL contrast","Example E09 — Federal interest illustration","D014 CORRECTION-01 — Continuation from Example E09","E09 — Federal underpayment interest, Q4 2026","Compact repair — E07, standard $15,000 OIC","Additional penalty and original-example formula repairs","4. Granular correction coverage and disposition","5. Remaining publication holds","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/correction-01","facets":{"geography":["us"],"debt_type":["tax"],"stage":[],"subject":["tax-cancellation"]},"scope":"","pending_corrections":0},{"key":"d014--formula-02","task":"D014","title":"FORMULA-02 — Original worked-example repairs","parent_title":"Tax debt resolution and cancellation taxation","edition":"formula-02","path":"/research/d014--formula-02/","kind":"correction","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-23","tables":3,"claims":7,"sources":7,"review_status":"revise","review_complete":true,"sha256":"39e82c84112aa4305df30d5ab9e5d03781e996dec5f10682b68aade35b2f53d5","headings":["1. Repaired original formulas","E01 — Insolvency exclusion with partially taxable COD","E02 — Why insufficient cash does not establish insolvency","E03 — Tax-attribute cost of excluded COD","E04 — Recourse foreclosure","E05 — Same property with nonrecourse debt","E06 — Joint debt with two full-value Forms 1099-C","E07 — Standard Form 656 OIC application cash","E08 — Three months of failure-to-pay penalties","2. Original-example disposition table","3. Source register and claim qualifications","Claim-level disposition","4. Residual publication holds","5. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/formula-02","facets":{"geography":["us"],"debt_type":["tax"],"stage":["bankruptcy"],"subject":["tax-cancellation","bankruptcy-insolvency"]},"scope":"","pending_corrections":0},{"key":"d014--local-03","task":"D014","title":"LOCAL-03 — California and Orange Local-Source Recovery","parent_title":"Tax debt resolution and cancellation taxation","edition":"local-03","path":"/research/d014--local-03/","kind":"correction","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-23","tables":4,"claims":8,"sources":12,"review_status":"revise","review_complete":true,"sha256":"8ed9083ef95e06b1850b1dae10c580ccde9dc06a2710fa30ea6f00eb2921cff3","headings":["1. California FTB — D014-S030","2. California EDD — D014-S033","3. Orange County Treasurer–Tax Collector — D014-S034","4. City of Orange — D014-S035","5. Corrected source register","6. Narrow supplemental claim register","7. Granular coverage and residual holds","Publication holds and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/local-03","facets":{"geography":["us","us-ca"],"debt_type":["tax"],"stage":[],"subject":["tax-cancellation"]},"scope":"","pending_corrections":0},{"key":"d014--mapping-04","task":"D014","title":"MAPPING-04 — FORMULA-02 Metadata and Provenance Amendment","parent_title":"Tax debt resolution and cancellation taxation","edition":"mapping-04","path":"/research/d014--mapping-04/","kind":"correction","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-23","tables":3,"claims":8,"sources":2,"review_status":"revise","review_complete":true,"sha256":"1371f7efc59639228a97fb39f1cb8a43e7b365a8c239aeceb803f0eb2def6839","headings":["1. Corrected count sentence","2. Source/status replacement rows","3. Original claim/example mapping","4. Coverage and residual holds","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/mapping-04","facets":{"geography":["us"],"debt_type":["tax"],"stage":[],"subject":["tax-cancellation","accessibility","research-quality"]},"scope":"","pending_corrections":0},{"key":"d014--source-02","task":"D014","title":"Tax-debt research: federal primary-source recovery","parent_title":"Tax debt resolution and cancellation taxation","edition":"source-02","path":"/research/d014--source-02/","kind":"correction","category":"subject","role":"foundation","area_numbers":[19,67],"groups":["debt-types","collections"],"date":"2026-10-25","tables":4,"claims":11,"sources":12,"review_status":"revise","review_complete":true,"sha256":"d1bdadb53070a69c83cdb4136ee68908ff3b9b04c3dc4b6e08d82af5c96da987","headings":["1. Corrected source register","Coordinator-verified evidence reuse — no new-opening claim","2. Material claim and mapping replacements","Penalty concurrency — corrected illustrative calculation","3. Granular source/authority coverage","4. Remaining publication holds","5. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D014/source-02","facets":{"geography":["us","us-federal"],"debt_type":["tax"],"stage":[],"subject":["tax-cancellation"]},"scope":"","pending_corrections":0},{"key":"d025--main","task":"D025","title":"Collection Ownership, Validation, and Disputes Research Report","parent_title":"Collection ownership validation and disputes","edition":"initial","path":"/research/d025--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[54,55],"groups":["collections"],"date":"2026-10-22","tables":8,"claims":36,"sources":34,"review_status":"revise","review_complete":true,"sha256":"fa272926a668bb0abe951f8cd6524222e8809152db44ab6630ccbbf2f44bced4","headings":["Research posture and controlling framework","A054 — Collection industry and ownership","A055 — Debt validation and disputes","\\text{itemization-date balance} + \\text{interest} + \\text{fees}","\\text{payments}","Cross-cutting consequences and worked examples","Source register","Material claim register","Coverage, publication opportunities, holds, and researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D025/initial","facets":{"geography":["us"],"debt_type":[],"stage":["collection"],"subject":["ownership-transfer","validation-disputes"]},"scope":"","pending_corrections":0},{"key":"d025--correction-01","task":"D025","title":"Targeted Correction Supplement — Collection Ownership and Validation","parent_title":"Collection ownership validation and disputes","edition":"correction-01","path":"/research/d025--correction-01/","kind":"correction","category":"subject","role":"foundation","area_numbers":[54,55],"groups":["collections"],"date":"2026-10-22","tables":5,"claims":13,"sources":11,"review_status":"revise","review_complete":true,"sha256":"ef1f6ad2b19c65f4aab3f642dd8eeb842bfb54e77abd4577a7cc121cb73c5011","headings":["Correction disposition and replacement text","Replacement wording for S019-dependent passages","S019 dependency audit","Current FCRA timing and dispute rules","Statutory duration, not an invented calendar date","Corrected arithmetic illustration","Other deadlines that remain directly supported","Case-law and held-evidence corrections","Henson: exact scope and principal-purpose reservation","Obduskey: exact nonjudicial-foreclosure limitation","D025-C034: tribal-jurisdiction merits remain held","D025-C035: complete-contract evidence remains held","Revised source register","Revised material claim register","Coverage, worked examples, and publication holds","Revised coverage rows","Worked example: CRA timing","Worked example: debt buyer after Henson","Worked example: nonjudicial foreclosure after Obduskey","Draft article, tool, and document opportunities created by the correction","Residual publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D025/correction-01","facets":{"geography":["us"],"debt_type":[],"stage":["collection","repossession"],"subject":["ownership-transfer","validation-disputes"]},"scope":"","pending_corrections":0},{"key":"d028--main","task":"D028","title":"Judgments, Enforcement, Liens, and Exemptions Research Report","parent_title":"Judgments enforcement liens and exemptions","edition":"initial","path":"/research/d028--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[61,62,63,64],"groups":["collections"],"date":"2026-10-22","tables":4,"claims":36,"sources":31,"review_status":"revise","review_complete":true,"sha256":"28a6688df287eec559943c86d3093ae615202d938e49c101227b1dae8ef517f7","headings":["Research frame and principal conclusions","Default judgments and duration — area A","Garnishment, levies, and setoff — area A","Liens, foreclosure, and repossession — area A","Protected income and property — area A","Source and material-claim registers","Source register","Material claim register","Coverage, examples, publication opportunities, and self-check","Coverage table","Worked examples","Meaningful comparison matrix","Draft article, tool, and document opportunities","Open questions and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D028/initial","facets":{"geography":["us"],"debt_type":[],"stage":["judgment"],"subject":["court-entry-service","judgments-duration","exemptions-property"]},"scope":"","pending_corrections":0},{"key":"d030--main","task":"D030","title":"Research Report — State Debt Laws, Northeast","parent_title":"State debt laws Northeast","edition":"initial","path":"/research/d030--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[66],"groups":["collections"],"date":"2026-10-22","tables":5,"claims":47,"sources":58,"review_status":"revise","review_complete":true,"sha256":"662d3ac22018732e3a6049a383de31dc19130a5adb14804f1b18b8495360101e","headings":["Scope, method, and high-level findings","Federal and jurisdictional boundaries that apply across the state analysis","Official-source matrix and state-by-state findings","State-specific operative notes","Worked examples, comparisons, and practical research applications","Maine settlement-fee example","Rhode Island settlement-plan example","New York wage-execution example","Maine and New Hampshire homestead comparison","Federal insolvency-tax example after settlement","Limitation-calendar example and its limits","Meaningful cross-state comparisons","Source register","Material claim register","Coverage, publication holds, and researcher self-check","Coverage table","Publication holds and open questions","Article and tool opportunities approved by current evidence","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D030/initial","facets":{"geography":["us","us-ct","us-me","us-ma","us-nh","us-nj","us-ny","us-pa","us-ri","us-vt","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Assigned jurisdictions: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, New Jersey, New York, Pennsylvania. For EVERY assigned state produce an official-source matrix for debt-relief licensing/fee limits, collection rules, limitation/revival, judgment/wage/bank exemptions, homestead/secured debt and court self-help. Each cell needs a verified answer and exact primary citation or an explicit unresolved reason. Do not use one national summary as state verification. Calendar/threshold examples must have state/date/debt context. Preserve statutory section identifiers.","pending_corrections":0},{"key":"r001--main","task":"R001","title":"Debt Terminology and Definitions","parent_title":"Debt terminology and definitions","edition":"initial","path":"/research/r001--main/","kind":"initial","category":"subject","role":"primary_area","area_numbers":[1],"groups":["foundations"],"date":"2026-10-22","tables":9,"claims":35,"sources":34,"review_status":"revise","review_complete":true,"sha256":"73cb5c531b0c03a2ad90465822645d1bf8bbc352082d28f5d248c862275fd77e","headings":["Scope, controlling context, and executive findings","Detailed findings by assigned term and debt lifecycle","Procedures, rights, costs, credit, tax, collateral, and settlement suitability","Worked examples and outcome comparisons","Worked delinquency, default, and charge-off example","Worked TSR fee-allocation example","Worked tax-insolvency example","Worked FCRA date example","Outcome comparison","Source register","Claim and evidence register","Granular coverage, publication opportunities, gaps, and researcher self-check","Coverage of every assigned seed topic","Additional material questions discovered","Publication holds","Distinct article, tool, and annotated-document opportunities","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R001/initial","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["definitions-classification","ownership-transfer"]},"scope":"This is an extensive investigation of area A001 itself, not a broad multi-area survey. Expand every item in the area scope into answerable questions. Cover concepts, eligibility/liability, debt lifecycle, actual procedures, documents, deadlines, costs, alternatives, rights, settlement suitability, failure cases, tax/credit/collateral consequences and recovery insofar as relevant. Distinguish research from professional individualized advice. For conceptual/editorial/data/institutional topics adapt these dimensions meaningfully rather than invent consumer enrollment rules. Include representative primary-source examples and explicit geographic boundaries.","pending_corrections":0},{"key":"r001--correction-01","task":"R001","title":"California judgment satisfaction, acknowledgment and lien-release correction","parent_title":"Debt terminology and definitions","edition":"correction-01","path":"/research/r001--correction-01/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[1],"groups":["foundations"],"date":"2026-10-23","tables":7,"claims":11,"sources":13,"review_status":"revise","review_complete":true,"sha256":"c4546bb0bc8a2ffaa3f23f3cbb96177c03370c678fffb26afca71fae8c875c36","headings":["A001: California Judgment Satisfaction, Acknowledgment Deadlines, and Lien Release","1. Correction determination","2. Scope of this correction","3. Replacement findings","4. Source register — replacement and supplemental rows","5. Claim/evidence register","6. Granular correction coverage","7. Worked comparisons and examples","8. Dependent-text disposition","8. Dependent-text disposition (continued)","Exact search and replacement procedure","9. Granular correction coverage table","Official verification links","10. Residual publication holds","11. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R001/correction-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["limitations-revival","judgments-duration"]},"scope":"","pending_corrections":0},{"key":"r001--correction-02","task":"R001","title":"Debt terminology research: source-ID reconciliation and dependent-text correction","parent_title":"Debt terminology and definitions","edition":"correction-02","path":"/research/r001--correction-02/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[1],"groups":["foundations"],"date":"2026-10-23","tables":5,"claims":11,"sources":0,"review_status":"revise","review_complete":true,"sha256":"b4754a91d8d8b4e11b8c3b9be26a9c8157d0d95ecf5bcdf51037d57282f3a18a","headings":["Source-ID reconciliation and dependent-text replacements","1. Complete source-alias mapping","2. Controlling-authority reference index","3. Corrected claim-reference rows","4. Exact dependent-text disposition and finished replacement wording","Line 32 — Terminology comparison","Line 129 — Substantive R001-C023 finding","Line 356 — Original source-register row","Line 386 — Original claim/evidence-register row","Line 419 — Coverage table","Line 478 — Numerical-claim self-check","Line 482 — Evidence-sufficiency conclusion","5. Dependency audit summary","6. Residual holds","7. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R001/correction-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["definitions-classification","client-money"]},"scope":"","pending_corrections":0},{"key":"r002--pass-01","task":"R002","title":"First focused A002 component: purpose, security, parties, and obligation status","parent_title":"Debt classification","edition":"pass-01","path":"/research/r002--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[2],"groups":["foundations"],"date":"2026-10-27","tables":12,"claims":61,"sources":38,"review_status":"scoped_review_complete_material_wording_corrected_by_pass02","review_complete":true,"sha256":"2b755b6da6660bf12a1acc140d1b08ad534337afd0874f003298bb5ee99d1e80","headings":["First focused A002 component: purpose, security, parties, and obligation status","1. Substantive findings and atomic claim table","1A. What “credit,” “debt,” “claim,” and “payment obligation” mean here","1B. Purpose: consumer, business, commercial, agricultural, and mixed transactions","1C. Security, purchase money, recourse, and parties","1D. Lifecycle, accounting, disputes, and discharge","1E. Creditor, collector, attorney, nonprofit, public, and security-enforcement gateways","1F. What generic notices and statements can support","2. Source table","Reading and status conventions","3. Multidimensional blank classification worksheet","Blank worksheet","4. Ten clearly hypothetical worked classifications and failure branches","5. Granular coverage table","6. Question-to-source and claim crosswalk","7. Read and failure log","8. Self-check and remaining A002 holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R002/pass-01","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"First A002 purpose/security/party/status classification component; other taxonomy and legal dimensions held","pending_corrections":0},{"key":"r002--pass-02","task":"R002","title":"Bounded correction supplement: P01 C039 and linked H06","parent_title":"Debt classification","edition":"pass-02","path":"/research/r002--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[2],"groups":["foundations"],"date":"2026-10-27","tables":9,"claims":8,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"18fe0903ec5613205f28715ad89716bb89f4250b25c05999611df0428292fa5c","headings":["Bounded correction supplement: P01 C039 and linked H06","1. Fresh source table","2. Complete replacement for R002-P1-C039","Literal original anchors","Replacement row — retain the original claim identifier","3. Complete, narrowly revised H06 row","4. Correction map and linked annotations","4A. Exact changes and preservation instructions","4B. Complete replacement for the affected P01 coverage row","Targeted scan limits","5. P02 atomic claim table","6. Granular coverage and prior-work reuse","6A. Required correction coverage","6B. Prior material retained rather than newly investigated","7. Read and failure log","8. Self-check and preserved holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R002/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"Material bounded C039/H06admission wording repair only; supportedP01remainder retained","pending_corrections":0},{"key":"r003--pass-01","task":"R003","title":"A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes","parent_title":"Who legally owes a debt","edition":"pass-01","path":"/research/r003--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[3],"groups":["foundations"],"date":"2026-10-27","tables":13,"claims":66,"sources":28,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"a23dd6ff2643693796cf65d0580d6834d70baf2d75659b28d65797a84ad68c8d","headings":["A003: Federal additional-signer, spousal-signature, and cosigner-notice rules—and their limits as proof of who owes","1. The controlling distinction","2. Currentness and authority controls","Source table","3. Atomic claim table: ECOA coverage and the statutory/regulatory boundary","The precise guarantor question left open","4. Atomic claim table: every significant signature branch","5. Atomic claim table: FTC coverage, notice, and evidentiary limits","What the notice proves—and what it does not","6. Atomic claim table: institutional changes, guidance status, and remedies","Institution coverage must be stated conditionally","7. Complete blank generic-document liability/signature audit worksheet","8. Clearly hypothetical qualitative failure branches","9. Granular coverage table","10. Read and failure log","11. Assigned-question → source/claim crosswalk","12. Explicit self-check — not independent review","13. Remaining parent dimensions and specific holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R003/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["liability-signers","agreements-disclosures"]},"scope":"First focused federalRegBadditional-signature/FTCcosignernotice component, statecontractliability andparentholds retained","pending_corrections":0},{"key":"r004--pass-01","task":"R004","title":"US consumer closed-end simple interest, amortization, and APR comparison","parent_title":"Interest fees and debt mathematics","edition":"pass-01","path":"/research/r004--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[4],"groups":["foundations"],"date":"2026-10-27","tables":22,"claims":56,"sources":14,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ea7f2d4f0b7abf7faed039dca025f431c49148c151f7aecd9ccf7b88b1f49dda","headings":["US consumer closed-end simple interest, amortization, and APR comparison","Principal findings","1. The quantities that must remain distinct","Fee classification comes before a legal APR calculation","2. Two separate interest models","2.1 Daily simple-interest model","2.2 Fixed-payment monthly model","When annual rate divided by 12 is appropriate","3. Worked-example register","E01 — Thirty days of simple accrual","E02 — Fixed monthly amortization at a positive rate","E03 — Zero-interest version of E02","E04 — Same E02 loan, with extra principal after installment 3","E05 — Upfront fee, amount financed, and numerical rate comparison","E06 — Payment below accruing interest","4. Failure branches and gateways","5. Source register — R004-P1-S001 onward","6. Atomic claim register — A004","6.1 Coverage, definitions, charges, and disclosures","6.2 APR, timing, and mathematical models","6.3 Calculated results and evidence status","7. Granular coverage register","8. Source-read and failure log","9. Explicit self-check and remaining gaps","Self-check","Remaining research packets"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R004/pass-01","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"First A004 closed-end consumer simple-interest/amortization/APR focused component; all other A004 dimensions held","pending_corrections":0},{"key":"r004--pass-02","task":"R004","title":"Appendix J legal-method investigation","parent_title":"Interest fees and debt mathematics","edition":"pass-02","path":"/research/r004--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[4],"groups":["foundations"],"date":"2026-10-27","tables":15,"claims":31,"sources":10,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ae40b8d22ab9f50275457fbfcd58423105623da4c063aa5141755c9418b55c64","headings":["1. What was recovered—and what remains missing","2. Recovered symbols and equations","2.1 Transcription status and notation","Symbols in (b)(7)","2.2 General equation, (b)(8)","2.3 Regular single-advance form, (c)(1)","2.4 Odd-final-payment form, (c)(3)","Relevant official examples actually read","3. Iteration instructions: recovered procedure and transcription defect","3.1 Readable update equation","3.2 What the retrieved example actually supplied","4. Current timing and applicability predicates","Actuarial method versus United States Rule","5. E05 mapping and retained results","5.1 Conditional symbol mapping","5.2 Stepwise equation reduction","5.3 Classification inputs remain conditional","5.4 Reviewed numerical roots—not relabeled","6. Precision and accuracy allowances","7. Currentness and the Part 226–Part 1026 connection","8. Source table — R004-P2-S001 onward","Printed-page cross-reference limits","9. Atomic claim table — A004","10. Granular coverage table","11. Bounded read/failure log","12. Self-check, precise next action, and preserved parent limits","Self-check","Precise next public-source action","Remaining parent dimensions"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R004/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewed remaining AppendixJ legal-method recovery and conditional E05evaluation; no whole P01 rerun","pending_corrections":0},{"key":"r004--pass-03","task":"R004","title":"Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons","parent_title":"Interest fees and debt mathematics","edition":"pass-03","path":"/research/r004--pass-03/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[4],"groups":["foundations"],"date":"2026-10-27","tables":16,"claims":50,"sources":14,"review_status":"accepted_with_limits","review_complete":true,"sha256":"7fd0be557322c48e2cd8c9c823a96c20da8be464be6b0be160122e6cc3f18503","headings":["Federal closed-end prepayment, unearned-interest refunds, and sum-of-digits/actuarial comparisons","Foundation and result status","1. Source table","2. Atomic claim table: federal statutory triggers","What the 61-month rule does—and does not—decide","3. Atomic claim table: disclosures, classifications, and contract control","Necessary product boundary","4. What the allocation methods actually calculate","Sum of digits","Constant-rate balance allocation","5. Eight worked branches","W03: fully specified new arithmetic illustration","Explicit arithmetic self-check ledger","6. Reconciliation and blank generic prepayment audit worksheet","Blank worksheet","7. Atomic claim table: mathematics, reconciliation, and evidence limits","8. Granular coverage table","9. Question-to-source/claim crosswalk","10. Source-read and failure log","11. Self-check and remaining holds","Researcher self-check—not independent review","Precise remaining packets and boundaries"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R004/pass-03","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"Distinct reviewed remaining closed-endprepayment/unearnedinterest/refund-method component; notP01/P02rerun","pending_corrections":0},{"key":"r005--pass-01","task":"R005","title":"First focused A005 component: federal credit-card changes, notice, rejection, and existing balances","parent_title":"Loan agreements and account terms","edition":"pass-01","path":"/research/r005--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[5],"groups":["foundations"],"date":"2026-10-27","tables":14,"claims":90,"sources":24,"review_status":"revise_three_bounded_atomic_clause_modal_corrections_UNSENT_with_retained_holds","review_complete":true,"sha256":"4d1f233ec2acb32e98a77a51d80ecb095da2d2c9c681908647dd8b86df45dc38","headings":["First focused A005 component: federal credit-card changes, notice, rejection, and existing balances","Check date, method, and limits","1. Source register","1A. Operative and explanatory sources","1B. Failed retrievals and discovery-only limits","2. Atomic claim table","2A. Necessary coverage and the basic notice branches","2B. Notice exceptions, required contents, and timing","2C. Statutory limits and all § 1026.55 exception branches","2D. Continuing balances, repayment, first-year overlay, and rejection","2E. Section 1026.56 intersection and audit limits","3. Timing and delivery matrix","4. Blank generic document-audit worksheet","5. Clearly hypothetical qualitative failure branches","6. Granular coverage table","7. Read and failure log","8. Question → claim/source crosswalk","9. Self-check — not independent review","Specific parent holds retained"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R005/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["credit_cards"],"stage":[],"subject":[]},"scope":"SettleADebt R005 PASS-01 — FIRST FOCUSED A005 COMPONENT: US FEDERAL CREDIT-CARD CHANGE-IN-TERMS NOTICE, RATE-INCREASE AUTHORITY, REJECTION AND EXISTING-BALANCE LIMITS. No actualaccountinvestigation. Focus how lawconditions a change rather than assuming everycontractterm is lawful or everynotice grantspermission.","pending_corrections":3},{"key":"r006--pass-01","task":"R006","title":"Federal mortgage servicing-transfer and ownership-transfer notices, payment-transition protections, and their limits","parent_title":"The debt lifecycle","edition":"pass-01","path":"/research/r006--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[6],"groups":["foundations"],"date":"2026-10-27","tables":16,"claims":66,"sources":24,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ba3cb6c49b42a954fb5588af45f6052775222740caf0e254dd736270894d9b88","headings":["Federal mortgage servicing-transfer and ownership-transfer notices, payment-transition protections, and their limits","Check date, method, and limits","1. Comparison matrix","2. Source register","Register conventions","A. Statutes and current regulatory materials","B. Final rules, history, version evidence, and failed current-text retrievals","3. Atomic findings and claim table","Status key","A. Scope, products, actors, and successors","B. Servicing-transfer notices, timing, content, delivery, and models","C. Transition payments and proof boundaries","D. Ownership-transfer coverage, timing, content, exceptions, and delivery","E. Versions, history, and unresolved source issues","4. What the payment protection does—and what must be proved","5. Clearly hypothetical qualitative failure branches","6. Blank generic notice-audit worksheet","7. Granular coverage table","8. Read and failure log","Legal-status classification","9. Question → claim → source crosswalk","10. Self-check — not independent review","Specific parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R006/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["mortgage"],"stage":[],"subject":["ownership-transfer","policy-history"]},"scope":"SettleADebt R006 PASS-01 — FIRST FOCUSED A006 COMPONENT: US FEDERAL MORTGAGE SERVICING-TRANSFER AND OWNERSHIP-TRANSFER NOTICES, PAYMENT-TRANSITION PROTECTIONS, AND THEIR DISTINCT LIMITS. No actualloan/property/servicer/entityrecord investigation. Separate changeofservicerfromlegalownershipofdebt/securityandnoticefromassignmentproof.","pending_corrections":0},{"key":"r006--pass-02","task":"R006","title":"Federal mortgage escrow disbursement and post-payoff return or credit","parent_title":"The debt lifecycle","edition":"pass-02","path":"/research/r006--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[6],"groups":["foundations"],"date":"2026-10-27","tables":13,"claims":66,"sources":18,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ca5777b3774a2d446a73bc6d46fd5f79a62c03ec264acea197499e4143f25eef","headings":["Federal mortgage escrow disbursement and post-payoff return or credit","1. Research status, date, and foundation boundaries","Version conclusions","2. Operative comparison matrix","The new-escrow exception’s complete relationship alternatives","3. Source register","Table S — Sources, bounds, versions, and limits","4. Atomic claim register","Table C-A — Scope, actors, accounts, and disclosure limits","Table C-B — Disbursement, advances, taxes, delinquency, and limited insurance interaction","Table C-C — Payoff, remaining funds, new-account credit, and version findings","5. What the rules do—and what remains to be proved","Disbursement facts","Payoff and balance facts","Credit and consent facts","6. Clearly hypothetical qualitative failure branches","Table E — Hypothetical branches","7. Blank generic document and process audit worksheet","Table A — Blank worksheet","8. Granular coverage register","Table K-A — Scope and disbursement coverage","Table K-B — Payoff, credit, evidence, and remaining boundaries","9. Read and failure log","Table L — What was and was not actually accessed","10. Question-to-claim/source crosswalk","Table Q — Assignment coverage map","11. Self-check — not independent review","Table V — Internal completeness check","12. Specific parent holds retained"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R006/pass-02","facets":{"geography":["us","us-federal"],"debt_type":["mortgage"],"stage":["resolution"],"subject":[]},"scope":"SettleADebt R006 PASS-02 — DISTINCT REMAINING A006 COMPONENT: US FEDERAL MORTGAGE ESCROW DISBURSEMENT TIMING AND POST-PAYOFF ESCROW-BALANCE RETURN/CREDIT TO A NEW ESCROW ACCOUNT. Continue this original authorized regular Chat. This is not a rerun of P01 servicing/ownership-transfer notices and not the separately running/unreviewed R008 foreclosure/loss-mitigation report. Freshly read the necessary primary authorities for these distinct escrow duties. No actual borrower/loan/property/account/provider/record inquiry or individual deadline/amount decision.","pending_corrections":0},{"key":"r007--main","task":"R007","title":"Measuring a Debt Situation","parent_title":"Measuring a debt situation","edition":"initial","path":"/research/r007--main/","kind":"initial","category":"subject","role":"primary_area","area_numbers":[7],"groups":["foundations"],"date":"2026-10-22","tables":14,"claims":45,"sources":38,"review_status":"revise","review_complete":true,"sha256":"d140740adcd3fe2857963edd9e80e580b445aecebb9de08392f8085e403b96a1","headings":["Scope, check date, and bottom line","Detailed findings: inventory and legal classification","The minimum debt record","Balance sheet, liability, security, priority, and collectibility","Debt lifecycle","Detailed findings: income, expenses, assets, cash flow, DTI, disposable income, and affordability","Income is not one field","\\text{total monthly income}","Essential expenses: no universal legal list","Disposable income also has multiple meanings","\\text{dependable net cash income}","\\text{dependable net cash income}","\\text{essential non-debt expenses}","Assets, liquidity, and tax insolvency","Affordability is a context-specific conclusion","A real creditor contract shows why contractual cash flow must be measured","Detailed findings: temporary and lasting shortfalls, settlement suitability, alternatives, consequences, and recovery","Temporary versus lasting shortfall","\\max(0, \\text{essential expenses} + \\text{required priority/secured/debt payments}","Mortgage assistance is a concrete example of why timing matters","Settlement suitability","Cancellation-of-debt tax consequences","Credit consequences","Failure modes and recovery","Worked examples, comparisons, and publication opportunities","DTI can be positive-looking while cash flow is negative","Temporary versus lasting shortfall","Federal tax insolvency","Washington statutory debt-adjusting fee cap","Contract-specific card minimum","Mortgage loss-mitigation deadline illustration","Federal wage-garnishment formula","Comparison of the main affordability measures","Distinct publication and tool opportunities","Evidence registers","Source register","Claim/evidence register","Coverage, gaps, publication holds, and researcher self-check","Granular coverage table","Gap register and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R007/initial","facets":{"geography":["us","us-wa"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","ownership-transfer","budget-priorities"]},"scope":"This is an extensive investigation of area A007 itself, not a broad multi-area survey. Expand every item in the area scope into answerable questions. Cover concepts, eligibility/liability, debt lifecycle, actual procedures, documents, deadlines, costs, alternatives, rights, settlement suitability, failure cases, tax/credit/collateral consequences and recovery insofar as relevant. Distinguish research from professional individualized advice. For conceptual/editorial/data/institutional topics adapt these dimensions meaningfully rather than invent consumer enrollment rules. Include representative primary-source examples and explicit geographic boundaries.","pending_corrections":0},{"key":"r008--pass-01","task":"R008","title":"First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing","parent_title":"Urgency and competing deadlines","edition":"pass-01","path":"/research/r008--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[8],"groups":["foundations"],"date":"2026-10-27","tables":14,"claims":81,"sources":22,"review_status":"scoped_coordinator_federal_mortgage_timing_review_complete_existing_publication_discrepancy_and_all_source_State_calendar_application_parent_holds","review_complete":true,"sha256":"a08951f107eeefda4906a76dc6dec869474e920d79028cba1fd03d6ac3ae5db5","headings":["First focused A008 component: U.S. federal mortgage delinquency, first foreclosure notice or filing, and loss-mitigation timing","Research boundary and actual check date","1. Source register","Reading and version conventions","Currentness conclusion and remaining audit limits","2. Atomic claim register: operative findings and boundaries","A. Version and authority classification","B. Coverage, definitions, products, and actors","C. Authority, early intervention, and modified duties","D. Applications, completeness, evaluation, and notices","E. Offers and appeals","F. First notice or filing and later foreclosure restrictions","G. Repeat applications, small servicers, and servicing-transfer applications","3. Generic urgency matrix","Matrix conventions","4. Clearly hypothetical qualitative failure branches","5. Blank generic document-audit worksheet","6. Granular coverage and question → claim/source crosswalk","7. Read and failure log","8. Self-check and preserved parent holds","Self-check — not independent review","Specific holds that remain in force"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R008/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["mortgage"],"stage":["late","foreclosure"],"subject":["foreclosure-repossession"]},"scope":"SettleADebt R008 PASS-01 — FIRST FOCUSED A008 COMPONENT: US FEDERAL MORTGAGE DELINQUENCY, FIRST FORECLOSURE NOTICE/FILING AND LOSS-MITIGATION TIMING INTERACTIONS. Research generic rules only, no actual borrower/loan/property/provider/case-record/docket query, determination, application or filing. Keep every operative scope, exception, calendar and evidence predicate visible. This request independently reads its own necessary authorities and does not use unreviewed R006/R005/R003 or any other library output as a foundation.","pending_corrections":0},{"key":"r009--pass-01","task":"R009","title":"Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds","parent_title":"Credit cards and charge accounts","edition":"pass-01","path":"/research/r009--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[9],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":61,"sources":17,"review_status":"accepted_with_limits","review_complete":true,"sha256":"802f9b0b43a7090b38daf2b9fa29ba26953bb90ca122d94021c2622c924a6ef5","headings":["Federal credit-card payment crediting, excess-payment allocation, and credit-balance refunds","Material source-status qualification","1. Principal findings and scope","2. Source register","A. Substantive sources and version metadata","B. Failed and limited-use source routes","3. Atomic claim register","A. Coverage and actors","B. Receipt and payment crediting","C. Excess-payment allocation","D. Credit balances and refunds","E. Generic forms, proof, and version limits","4. Clock and proof comparison","5. Necessary generic model material","6. Clearly hypothetical qualitative failure branches","7. Blank generic document-audit worksheet","8. Granular coverage register","9. Question → claim/source crosswalk","10. Read and failure log","11. Researcher self-check — not independent review","12. Specific parent holds and remaining limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R009/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["credit_cards"],"stage":["current"],"subject":[]},"scope":"SettleADebt R009 PASS-01 — FIRST FOCUSED A009 COMPONENT: US FEDERAL OPEN-END CREDIT-CARD PAYMENT CREDITING, EXCESS-PAYMENT ALLOCATION AND CREDIT-BALANCE REFUNDS. Independently investigate these operational payment rules and their exact limits; no actual account, creditor contract or identifier query. A005 change-in-terms report and all other unreviewed reports are NOT foundations. Parent A009 includes general/store/secured/charge/business/cash-advance/transfer/promotional/joint/closed-with-balance products; preserve all unaddressed dimensions.","pending_corrections":0},{"key":"r010--pass-01","task":"R010","title":"First focused A010 component: U.S. federal overdraft opt-in and the limits of 12 CFR 1005.17","parent_title":"Personal loans and bank debts","edition":"pass-01","path":"/research/r010--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[10],"groups":["debt-types"],"date":"2026-10-27","tables":13,"claims":90,"sources":18,"review_status":"accepted_with_limits","review_complete":true,"sha256":"104f35aa30d1780d527b933e66920e2f1c6155f509fe453ef744fdb5b5e91d9e","headings":["First focused A010 component: U.S. federal overdraft opt-in and the limits of 12 CFR 1005.17","1. Substantive findings","1.1 The operative prohibition concerns fees for particular paid overdrafts","1.2 Coverage must be established before applying that prohibition","1.3 Checks, ACH, recurring debit cards, and other transfers require separate classification","1.4 Continuing negative-balance fees depend on attribution and timing","1.5 Electronic delivery and overdraft consent are separate questions","1.6 Authorization-positive/settlement-negative treatment is answered only in part","1.7 The 2024 rule and the withdrawn circulars cannot supply current operative requirements","2. Source table","2.1 Statutes, current regulations, and forms","2.2 Final rules, disapproval, withdrawal status, and recovery sources","3. Atomic claim table","3.1 Coverage, actors, products, and transaction boundaries","3.2 Notice, consent, confirmation, form, and delivery","3.3 Fee authority, causation, transaction coding, and revocation","3.4 Effective triggers, repeal/withdrawal, and unresolved legal limits","4. Clearly hypothetical qualitative branches","5. Blank generic document-audit worksheet","6. Granular coverage table","7. Question → claim/source crosswalk","8. Read and failure log","8.1 Actual read bounds","8.2 Material retrieval failures and recoveries","9. Self-check — NOT independent review","10. Specific parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R010/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["bank_overdraft"],"stage":[],"subject":[]},"scope":"SettleADebt R010 PASS-01 — FIRST FOCUSED A010 COMPONENT: US FEDERAL OVERDRAFT OPT-IN, ATM/ONE-TIME DEBIT-CARD FEE LIMITS AND DISTINCTIONS FROM CHECK/ACH/LINKED-CREDIT NEGATIVE BALANCES. Investigate generic published rules independently; no actual consumer, institution, deposit account, transaction, identifier or record search. No unreviewed library report is a foundation. Parent A010 includes unsecured installments/lines/credit unions/deposit-secured borrowing/overdrafts/negative accounts/returned payments/online lending; preserve all other dimensions.","pending_corrections":0},{"key":"r011--pass-01","task":"R011","title":"First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041","parent_title":"Payday title and small dollar credit","edition":"pass-01","path":"/research/r011--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[11],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":98,"sources":24,"review_status":"scoped_coordinator_review_completed_with_retained_source_currentness_application_holds","review_complete":true,"sha256":"431bcaa3bab59453593fde49cf734c4ff1faaee9ba3677f0a8a901261b86ae35","headings":["First focused A011 component: federal payment-transfer restrictions and notices under 12 CFR Part 1041","Research boundary and reading conventions","1.1 R011-P1-S001 — Current Part 1041 text and official interpretations","1.2 Other primary sources and material retrieval failures","2.1 Version, chronology, authority, and status","2.2 Necessary definitions and coverage","2.3 Payment-transfer definition, failures, sequence, and scope","2.4 Further-transfer authorization and consumer-requested immediate payments","2.5 Notices: form, channel, timing, content, exceptions, and combination","Notice comparison table","Official generic model text actually read","2.6 Records, status definitions, and calendar limits","Self-check — not independent review","Specific unresolved items","Parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R011/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["ownership-transfer"]},"scope":"SettleADebt R011 PASS-01 — FIRST FOCUSED A011 COMPONENT: US FEDERAL SMALL-DOLLAR LOAN PAYMENT-TRANSFER ATTEMPT RESTRICTIONS AND REQUIRED NOTICES UNDER 12 CFR PART1041. Independently research published generic authorities; no actual person, lender, institution, consumer, account, property, transaction, license, case-record, docket-status or identifier query. No unreviewed R010 overdraft report or any other unreviewed report is a foundation. Parent A011 includes payday/title/high-cost installment/pawn/tribal/cash-advance/renewal/refinancing/licensing/enforceability; preserve unaddressed questions.","pending_corrections":0},{"key":"r012--pass-01","task":"R012","title":"Federal FTC Holder Rule: retail consumer credit contracts and purchase-money loans","parent_title":"Retail financing and BNPL","edition":"pass-01","path":"/research/r012--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[12],"groups":["debt-types"],"date":"2026-10-27","tables":17,"claims":64,"sources":20,"review_status":"reviewed_with_limits","review_complete":true,"sha256":"186c7e1effe319c3f71493d16970120706af1f0ceba4e4f3195907c7e3639f0e","headings":["Federal FTC Holder Rule: retail consumer credit contracts and purchase-money loans","1. Research boundary, dates, and authority status","Reading the registers","2. Source register","2.1 Operative text and necessary borrowed definitions","2.2 FTC rule history, interpretations, and access gaps","2.3 Discovery and publication-status checks","3. Atomic claim register","3.1 Coverage, actors, and financing structure","3.2 Exclusions, notice duties, and document structure","3.3 Preserved claims, defensive use, affirmative recovery, and fees","3.4 History, interpretive conflicts, and remaining limits","4. Required notice: precise comparison without reproducing a substitute contract","5. Comparison matrix: financing patterns","6. Blank generic contract-audit worksheet","7. Qualitative failure branches","8. Amendment history and interpretive conflicts","9. Granular coverage register","10. Read and failure log","11. Question → claim → source crosswalk","12. Self-check, specific remaining questions, and parent holds","Self-check — not independent review","Specific remaining questions","Parent holds retained"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R012/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["store_cards"],"stage":[],"subject":["agreements-disclosures"]},"scope":"SettleADebt R012 PASS-01 — FIRST FOCUSED A012 COMPONENT: US FEDERAL FTC HOLDER RULE IN GENERIC RETAIL CONSUMER CREDIT CONTRACTS AND PURCHASE-MONEY LOANS. Investigate preservation of consumer claims/defenses, required contract notice and limits in retail-financed sales independently. No actual person, seller, lender, holder, entity, account, property, case-record, docket-status, license or identifier query. No unreviewed library report is a foundation. Parent A012 includes retail financing and BNPL; this pass does NOT establish all BNPL products are covered or settle their separate RegZ legal classification.","pending_corrections":0},{"key":"r012--pass-02","task":"R012","title":"Bounded source, pinpoint, and attribution correction","parent_title":"Retail financing and BNPL","edition":"pass-02","path":"/research/r012--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[12],"groups":["debt-types"],"date":"2026-10-27","tables":7,"claims":17,"sources":7,"review_status":"reviewed_with_limits","review_complete":true,"sha256":"0786196f8c928f64652ae696ce6f896af169ff0062028f82415b127440189c2e","headings":["1. Source register","2. Atomic claim register and canonical replacements","What survives, and what does not","3. Issue → original passage → bounded replacement or effect","4. Focused qualitative failure branches","5. Granular coverage of all four requests and dependencies","6. Read/failure log and self-check","Read/failure log","Self-check — not independent review","7. Remaining questions and preserved parent holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R012/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded original-chat C025/C063 card-source pinpoint and attribution correction only","pending_corrections":0},{"key":"r013--pass-01","task":"R013","title":"First focused A013 component: federal HELOC draw restrictions, termination, and acceleration","parent_title":"Mortgages and home secured borrowing","edition":"pass-01","path":"/research/r013--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[13],"groups":["debt-types"],"date":"2026-10-27","tables":20,"claims":81,"sources":22,"review_status":"scoped_coordinator_review_complete_with_holds","review_complete":true,"sha256":"20ec60317b49831f48b3af0e877828dfc6a7a7c38c7499e813ca7a3b1e377dca","headings":["First focused A013 component: federal HELOC draw restrictions, termination, and acceleration","1. The distinctions that control this component","Currentness and status conventions","2. Source register","A. Statute, coverage, and core rule","B. Disclosures, notices, related definitions, and recordkeeping","C. Selected history, guidance status, and executive-officer branch","3. Atomic claim table","A. Coverage and product boundaries","B. Termination and acceleration","C. Draw freezes, limit reductions, duration, and reinstatement","D. Contractual changes, discretion, and rate conditions","E. Initial disclosures and later Regulation Z notices","F. Bounded Regulation B branch and payment consequences","G. Currentness, selected history, and source limits","4. Official significant-decline illustration","5. Timing and delivery: rule periods only","6. Clearly hypothetical qualitative failure branches","7. Blank generic document-audit worksheet","8. Granular coverage table","9. Read and failure log","10. Question → claim/source crosswalk","11. Self-check — not independent review","12. Specific parent holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R013/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["heloc"],"stage":[],"subject":[]},"scope":"SettleADebt R013 PASS-01 — FIRST FOCUSED A013 COMPONENT: US FEDERAL HELOC DRAW FREEZES, CREDIT-LIMIT REDUCTIONS, TERMINATION AND ACCELERATION UNDER 12 CFR1026.40. Independently investigate generic published rules and official interpretations. No actual person, lender, loan, account, property, entity, license, case-record, docket-status or identifier query. No unreviewed R006/R008/R010/R012 or any other saved report is a foundation. Parent A013 includes first/second mortgages, HELOC/equity/reverse/manufactured-home/arrears/escrow/balloon/deficiency/loss-mitigation dimensions; preserve all unaddressed questions.","pending_corrections":0},{"key":"r014--pass-01","task":"R014","title":"Federal tenant protections at foreclosure: findings and limits","parent_title":"Housing and property debts","edition":"pass-01","path":"/research/r014--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[14],"groups":["debt-types"],"date":"2026-10-27","tables":13,"claims":72,"sources":15,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"1cd7afe2b2f094cc31cbdf8b46334dbcaa34880979ab3ba371b022686f9b0b5c","headings":["Federal tenant protections at foreclosure: findings and limits","Principal conclusions","1. Enactment, restoration, and currentness","1.1 Statutory history and operative-date distinctions","1.2 What “current” means in this report","2. Provision-specific comparison","2.1 Notice and event sequence","2.2 Bona fide tenancy: the exact structure","2.3 Program distinctions and financial limits","3. Source register","4. Atomic claim register","4.1 Enactment, source character, and coverage","4.2 Notice, lease duration, and bona fide conditions","4.3 Assisted tenancy, rent, deposits, and enforcement limits","4.4 Program boundaries and authority status","5. Blank generic document-audit worksheet","6. Clearly hypothetical qualitative failure branches","7. Granular coverage register","8. Question-to-claim/source crosswalk","9. Read, discovery, and failure log","10. Self-check — not independent review","11. Specific parent holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R014/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["rent_lease"],"stage":["foreclosure"],"subject":["foreclosure-repossession","tenancy-housing"]},"scope":"SettleADebt R014 PASS-01 — FIRST FOCUSED A014 COMPONENT: US FEDERAL TENANT PROTECTIONS AT FORECLOSURE, NECESSARY BONA FIDE TENANCY/NOTICE/LEASE-SUCCESSOR CONDITIONS, AND THE LIMITED RENT/DEBT INFERENCES THOSE PROVISIONS SUPPORT. Independently investigate generic published law and official interpretations. A014 covers rent, termination, eviction balances, deposits, HOA/condo, assessments, timeshares, improvements and solar financing; preserve every unaddressed dimension. This is not a rerun of unreviewed R008 foreclosure or R013 HELOC work. No saved unreviewed report is a foundation. No actual person, tenant, landlord, purchaser, lender, loan, property, account, entity, case-record, docket-status or identifier query.","pending_corrections":0},{"key":"r015--pass-01","task":"R015","title":"Federal consumer vehicle-lease early termination and default charges","parent_title":"Vehicle and asset financing","edition":"pass-01","path":"/research/r015--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[15],"groups":["debt-types"],"date":"2026-10-27","tables":16,"claims":73,"sources":18,"review_status":"revise_resolved_by_additive_pass02_with_limits","review_complete":true,"sha256":"fb6e3380e757872eeda8c4ddd042a8627e7af38f1a24d74f48c22bf73a6eaaa4","headings":["Focused finding and research boundary","1. Version, effectiveness, and currentness findings","2. Source table","Reading conventions","3. Atomic claim table","A. Product, coverage, exclusions, and actors","B. Early termination, default, and substantive charge limits","C. Named methods, contract variables, and valuation","D. Appraisal and ordinary-expiration residual liability","E. Delivery, consent, estimates, and changed transactions","F. Advertising, state law, and unresolved application","4. Provision-specific comparison","Requests, recipients, and timing must remain separate","5. Blank generic document-audit worksheet","6. Clearly hypothetical qualitative failure branches","7. Granular coverage table","8. Read and failure log","9. Question → claim/source crosswalk","10. Self-check — not independent review","11. Specific parent holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R015/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["auto"],"stage":[],"subject":[]},"scope":"SettleADebt R015 PASS-01 — FIRST FOCUSED A015 COMPONENT: US FEDERAL CONSUMER VEHICLE-LEASE EARLY-TERMINATION AND DEFAULT-CHARGE FRAMEWORK UNDER THE CONSUMER LEASING ACT AND REGULATION M. Independently investigate generic published statutes, regulations, official interpretations and public generic contracts only if needed. A015 is vehicle and asset financing; preserve all unaddressed vehicle-credit/repo/deficiency/title and other-asset dimensions. No unreviewed R004/R008/R010/R012/R013 or any saved report is a foundation. No actual person, lessor, dealer, lender, lessee, vehicle, VIN, loan, account, property, entity, license, case-record, docket-status or identifier query.","pending_corrections":0},{"key":"r015--pass-02","task":"R015","title":"Bounded rent-charge unit and comment-pinpoint correction","parent_title":"Vehicle and asset financing","edition":"pass-02","path":"/research/r015--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[15],"groups":["debt-types"],"date":"2026-10-28","tables":10,"claims":23,"sources":5,"review_status":"accepted_with_limits","review_complete":true,"sha256":"4cf41edf05e8323656eaa57d1e736c9492b798418a04834b8f938032014b1e20","headings":["Bounded rent-charge unit and comment-pinpoint correction","1. Source table and precise read boundaries","2. Corrected atomic-claim table","3. Five complete replacement claim rows","4. Exact comment-to-proposition map","5. Issue → original row → dependent replacement/effect","6. Bounded blank-worksheet replacements","7. Revised original examples and bounded qualitative checks","8. Granular coverage of all four requests and dependencies","9. Read/failure log","10. Self-check — not independent review","11. Preserved holds and correction boundary"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R015/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"Bounded original-chat rent-charge unit and five-row comment-pinpoint precision only","pending_corrections":0},{"key":"r018--pass-01","task":"R018","title":"First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation","parent_title":"Private education and school debts","edition":"pass-01","path":"/research/r018--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[18],"groups":["debt-types"],"date":"2026-10-27","tables":15,"claims":86,"sources":33,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"e0f5350220a5ea19b13ab3318f4c8503968ae2f8fb3d1426d0d0c94603cf755c","headings":["First focused A018 component: US federal private education loan classification, disclosures, acceptance, and cancellation","Reading and status conventions","1. Provision-specific stage comparison","Each relevant clock","2. Atomic claim table","A. Classification, actors, institutions, and expenses","B. Triggers, clocks, acceptance, changes, cancellation, and disbursement","C. Exact content, estimates, and presentation","D. Multiple parties, electronic delivery, self-certification, and models","E. Remaining §1026.48 provisions, history, and currentness","3. Model and self-certification comparison","4. Clearly hypothetical qualitative branches","5. Blank generic document audit worksheet","6. Source table — complete literal HTTPS URLs, read bounds, versions, and limits","Common metadata applicable to every row","7. Granular coverage table","8. Question → claim/source crosswalk","9. Read and failure log","Explicit unopened or incomplete cross-references","10. Self-check — not independent review","11. Specific parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R018/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["student","unknown"],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures","education-programs"]},"scope":"SettleADebt R018 PASS-01 — FIRST FOCUSED A018 COMPONENT: US FEDERAL PRIVATE EDUCATION LOAN CLASSIFICATION, APPLICATION/APPROVAL/FINAL DISCLOSURES, ACCEPTANCE AND CANCELLATION RIGHTS UNDER TILA AND REGULATION Z. Independently investigate generic published authorities and official interpretations. A018 includes private education loans, cosigners, institutional loans, tuition arrears/plans, income-share arrangements, scholarship repayment, aid overpayments and transcripts. Preserve unaddressed dimensions. No unreviewed report or prior chat is a foundation; this does not research ED federal-loan collection or duplicate R017/T006.","pending_corrections":0},{"key":"r020--pass-01","task":"R020","title":"A020 focused component: federal telephone-bill truth-in-billing requirements and the limits of payment, disconnection, and dispute inferences","parent_title":"Utilities and telecom debt","edition":"pass-01","path":"/research/r020--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[20],"groups":["debt-types"],"date":"2026-10-27","tables":18,"claims":64,"sources":31,"review_status":"scoped_coordinator_federal_telephone_billing_review_complete_all_source_version_judicial_state_application_parent_holds","review_complete":true,"sha256":"a4200f6bad2ebd6f083c807761ec7485269ba402261be704958e21d22b8d540b","headings":["A020 focused component: federal telephone-bill truth-in-billing requirements and the limits of payment, disconnection, and dispute inferences","1. Source table","Reading and citation conventions","1A. Current regulations and necessary statutes","1B. Adopted orders, effective-date notices, corrections, and proposed text","1C. Published judicial texts needed to resolve scope","2. Atomic claim table","2A. Authority, definitions, actor and service coverage","2B. Organization, identities, descriptions, and charge presentation","2C. Dispute contacts, blocking, and unauthorized charges","2D. Payment, disconnection, inquiries, and dispute limits","2E. Version and status claims","3. Actor, service, bill, charge, description, contact, and disconnection comparison","4. What the payment/disconnection provision does—and what remains unresolved","5. Effective dates, reserved text, vacatur, and proposal status","5A. Material rule-history table","5B. Necessary published-opinion analysis","6. Blank generic document-audit worksheet","7. Clearly hypothetical qualitative failure branches","8. Granular coverage table","9. Read and failure log","10. Question → claim/source crosswalk","11. Self-check and specific parent holds","Self-check — not independent review","Parent holds preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R020/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["telecom"],"stage":["shutoff"],"subject":["utilities-service"]},"scope":"SettleADebt R020 PASS-01 — FIRST FOCUSED A020 COMPONENT: US FEDERAL TELEPHONE BILL CONTENT AND TRUTH-IN-BILLING REQUIREMENTS UNDER 47 CFR PART 64 SUBPART Y, WITH THE PRECISE LIMITS OF THEIR PAYMENT/DISCONNECTION AND BILL-DISPUTE INFERENCES. Independently investigate generic published statutes, regulations, official interpretations and final orders. A020 includes electric/gas/water/sewer/trash/phone/internet/cable/equipment/termination/deposits/shutoff and assistance. Preserve every unaddressed utility and product dimension. No unreviewed report, prior chat or actual provider/account/customer/entity/telephone-number/record query is a foundation.","pending_corrections":0},{"key":"r022--pass-01","task":"R022","title":"Federal FLSA wage floors, free-and-clear payment, and employer deduction or repayment claims","parent_title":"Debts workers owe employers","edition":"pass-01","path":"/research/r022--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[22],"groups":["debt-types"],"date":"2026-10-27","tables":17,"claims":64,"sources":23,"review_status":"conditionally_reviewed_material_source_holds","review_complete":true,"sha256":"43769e4b69e7304677f6d32d6b171c9a10ee66e532d7355fdafe03370ba5e7be","headings":["Federal FLSA wage floors, free-and-clear payment, and employer deduction or repayment claims","1. Currentness, authority, and reading limits","Source register","Statutory sources","Regulatory bodies","Agency interpretations and publication-status sources","Relevant final-rule instruments","2. Substantive findings and atomic claim table","A. Coverage, exemptions, rates, and the relevant period","B. Wages, facilities, business costs, consent, and reimbursement","C. Genuine advances, overpayments, tuition, and final pay","D. Hours, regular rate, payment, and records","E. Authority status and currentness claims","3. Provision-specific comparison","4. Blank generic audit worksheet","5. Two fully specified generic illustrations","Common premises","R022-P1-E001 — Required uniform in a nonovertime week","R022-P1-E002 — Above-minimum average pay can still fail the overtime deduction test","6. Granular coverage and qualitative failure branches","Status key","Required and additional failure branches","Question-to-claim/source crosswalk","7. Source-read and retrieval-failure log","8. Explicit remaining gaps and parent holds","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R022/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["employer_claims"],"stage":[],"subject":["employment-care-benefits"]},"scope":"SettleADebt R022 PASS-01 — FIRST FOCUSED A022 COMPONENT: US FEDERAL FLSA WAGE-FLOOR, FREE-AND-CLEAR PAY AND EMPLOYER DEDUCTION/REPAYMENT FRAMEWORK FOR ALLEGED WORKER DEBTS. Independently research published generic statutes, regulations and official interpretations. A022 includes wage overpayments, payroll advances, signing/relocation clawbacks, training repayment, tuition reimbursement, equipment and employer loans. Preserve all unaddressed contract, state and product dimensions. No prior chat or unreviewed library report is a foundation. No actual worker/employer/person/provider/lender/entity/account/property/license/case-record/docket-status or identifier query.","pending_corrections":0},{"key":"r022--pass-02","task":"R022","title":"Bounded completion of the specified DOL guidance bodies and publisher-status checks","parent_title":"Debts workers owe employers","edition":"pass-02","path":"/research/r022--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[22],"groups":["debt-types"],"date":"2026-10-28","tables":11,"claims":28,"sources":8,"review_status":"conditionally_reviewed_material_source_holds","review_complete":true,"sha256":"ea72311413f905b69dcb734b26de30506510bd5ddc5611e88249dbd7e6bb7d9e","headings":["Bounded completion of the specified DOL guidance bodies and publisher-status checks","1. Source register and actual reading bounds","Enclosure identification","2. Atomic findings and bounded replacements","Fact Sheet 16","FOH Chapter 32 and the necessary regulatory distinction","Complete FLSA2004-17NA letter","Remaining source and status limits","3. Disposition of every supplied source and claim","A. Supplied source rows","B. Supplied claim rows","C. Dependent PASS-01 passages","4. Granular coverage of the five numbered questions","Exact remaining public reads","5. Qualitative branches retained for use of this pass","6. Complete read/failure log for this bounded pass","7. Self-check, unresolved status, and parent holds","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R022/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":["resolution"],"subject":[]},"scope":"Boundedreviewedremaining exactFS16/FOH32/two2004letters/publisherbodies; nowholeframeworkrerun","pending_corrections":0},{"key":"r023--pass-01","task":"R023","title":"U.S. federal Title IV-D child-support arrears, review and adjustment, and nonretroactivity","parent_title":"Family and personal obligations","edition":"pass-01","path":"/research/r023--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[23],"groups":["debt-types"],"date":"2026-10-27","tables":19,"claims":78,"sources":16,"review_status":"scoped_coordinator_review_completed_with_retained_source_currentness_application_holds","review_complete":true,"sha256":"f38239aa7fc767aeb07907f069c20f45643629be0ef048ba8386876701ab7903","headings":["U.S. federal Title IV-D child-support arrears, review and adjustment, and nonretroactivity","Scope and access record","1. Substantive findings and atomic claim table","1A. Program role, applicability, definitions, and classification","1B. Due installments, the complete exception, and distinct kinds of change","1C. Ordinary review, notification, processing, and guidelines","1D. Incarceration and changed circumstances","1E. Ownership, compromise, interest, and debt-management distinctions","1F. Interstate, duration, and tribal boundaries","2. Version, effectiveness, and later-change findings","Status separation","3. Provision-specific comparison","3A. Different legal actions and their predicates","3B. Timing provisions that must not be combined","4. Generic blank review worksheet","5. Qualitative branches and branch-level coverage","6. Fully worked qualitative illustration","R023-P1-E001 — Petition, notice, and the affected period","7. Numbered-question coverage and claim/source crosswalk","8. Source register — R023-P1-S001+","8A. Current statutory and regulatory bodies","8B. Enacted amendment, rulemaking history, and official interpretations","9. Source-read and retrieval-failure log","9A. Successful reads and reconciliation","9B. Retrieval failures","10. Explicit gaps and preserved parent holds","Material legal gaps remaining within this focused component","Parent holds preserved","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R023/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["support"],"stage":["late"],"subject":[]},"scope":"SettleADebt R023 PASS-01 — FIRST FOCUSED A023 COMPONENT: US FEDERAL TITLE IV-D CHILD-SUPPORT ARREARS, PERIODIC REVIEW/MODIFICATION AND NONRETROACTIVITY FRAMEWORK. A023 also includes informal family/friend loans, written agreements, support arrears, divorce obligations and gifts versus loans. Independently research published generic federal statutes, regulations and official interpretations for ONLY this component. Preserve state/tribal/contract and all other unaddressed dimensions. No prior chat or unreviewed library report is a foundation. No actual or invented person/family/employer/provider/entity/account/property/case-record/docket-status or identifier query.","pending_corrections":0},{"key":"r024--pass-01","task":"R024","title":"Title XVI SSI overpayment notice, reconsideration, waiver, and benefit adjustment","parent_title":"Government benefit and aid overpayments","edition":"pass-01","path":"/research/r024--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[24],"groups":["debt-types"],"date":"2026-10-27","tables":18,"claims":67,"sources":36,"review_status":"scoped_coordinator_review_completed_with_retained_source_currentness_application_holds","review_complete":true,"sha256":"1b7f331a3e3b74b5f435b81843004f04b64747f8693a631d61d0871658b7ca34","headings":["Title XVI SSI overpayment notice, reconsideration, waiver, and benefit adjustment","1. Substantive findings and atomic claim register","1.1 Program, overpayment, notice, and responsibility","1.2 Reconsideration, notice receipt, conferences, and review stages","1.3 Waiver: substantive predicates","1.4 Waiver procedure and effect","1.5 Current SSI benefit adjustment and repayment framework","1.6 Forms, submission, and source-status claims","2. Provision-specific comparison","3. The timing and source conflicts that must remain visible","4. Blank forms: functions, information categories, signatures, and read bounds","5. Source register — R024-P1-S001+","Register conventions","5.1 Statutes, regulations, and necessary final rule","5.2 SSA operating instructions","5.3 Forms, public instructions, and program-boundary publications","6. Generic blank audit worksheet","7. Qualitative branches and branch-level coverage","8. Granular question-to-claim/source coverage crosswalk","9. Source-read and retrieval-failure log","10. Explicit remaining gaps and status classifications","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R024/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["overpayment"],"stage":[],"subject":["government-claims","employment-care-benefits"]},"scope":"SettleADebt R024 PASS-01 — FIRST FOCUSED A024 COMPONENT: US FEDERAL TITLE XVI SUPPLEMENTAL SECURITY INCOME (SSI) OVERPAYMENT NOTICE, RECONSIDERATION, WAIVER AND BENEFIT-ADJUSTMENT FRAMEWORK. A024 also covers other Social Security, unemployment, housing/public benefits, veterans and disaster aid overpayments, appeals, waiver, repayment, collections and Treasury offset. Independently research published generic primary federal law, regulations, SSA interpretations and necessary blank forms for ONLY this SSI component. Do not import OASDI/TitleII recovery policies or student-loan collection findings. No prior chat or unreviewed library report is a foundation; no actual or invented person/recipient/representative-payee/entity/account/property/case-record/docket-status or identifier query.","pending_corrections":0},{"key":"r025--pass-01","task":"R025","title":"Federal criminal fines: payment, modification, delinquency, default, and the boundary with enforcement against property","parent_title":"Fines fees and criminal justice debt","edition":"pass-01","path":"/research/r025--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[25],"groups":["debt-types"],"date":"2026-10-28","tables":21,"claims":82,"sources":27,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"275a22086ccf8b712ed5148290ad427a1c6b8aab48edbf5212401ca85f03a2b8","headings":["Federal criminal fines: payment, modification, delinquency, default, and the boundary with enforcement against property","1. Selected scope, actors, and charge boundaries","1.1 Scope and actors","1.2 A shared provision does not make the charge categories interchangeable","2. Atomic substantive claim table","2.1 Fine imposition, payment terms, changes, and remission","2.2 Payment channels, administration, and the different clocks","2.3 Interest, additions, and relief from them","2.4 Default response and possible resentencing","2.5 Necessary procedural rules and supervision connections","2.6 Property enforcement, delegation, forms, and the selected opinion","2.7 Application dates, currentness, and conflicting official material","3. Provision-specific comparison of the selected mechanisms","4. Source table: R025-P1-S001 onward","Reading conventions","4.1 Statutory sources","4.2 Rules, session laws, and currency sources","4.3 Regulations, official instructions, form, and opinion","5. Forms and instructions: what was actually established","5.1 AO 245C","5.2 National-form search boundary","6. Qualitative branches and branch-level coverage","7. Blank audit worksheet","8. Numbered-question coverage and crosswalk","9. Source-read and failure log","9.1 Completed reading and material findings","9.2 Retrieval failures and limitations","9.3 Status separation","10. Explicit gaps, preserved holds, and researcher self-check","10.1 Remaining legal and source gaps","10.2 Parent holds remain intact","10.3 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R025/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["court_debt"],"stage":["late"],"subject":["government-claims"]},"scope":"SettleADebt R025 PASS-01 — FIRST FOCUSED A025 COMPONENT: US FEDERAL CRIMINAL FINE PAYMENT, INSTALLMENT/DEFERRED-PAYMENT MODIFICATION, DELINQUENCY AND DEFAULT STATUTORY FRAMEWORK. A025 also covers traffic/parking/tolls, court costs, probation, restitution, incarceration charges and ability-to-pay proceedings. Independently investigate ONLY published generic federal criminal-fine statutes, necessary procedural rules and official public instructions. Do not import restitution, state fines or an unreviewed library report as a foundation. No actual or invented defendant/person/entity/account/property/case-record/docket-status or identifier query; generic roles only.","pending_corrections":0},{"key":"r026--pass-01","task":"R026","title":"Federal district-court civil money judgments: postjudgment interest, stays, execution, liens, and registration","parent_title":"Civil claims judgments and insurance debts","edition":"pass-01","path":"/research/r026--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[26],"groups":["debt-types"],"date":"2026-10-28","tables":18,"claims":71,"sources":18,"review_status":"conditionally_reviewed_material_application_and_source_holds","review_complete":true,"sha256":"7b84f2e59e2c6cd063038187dfd1920a6e53d4a52e395b4ba26c763352f4e02c","headings":["Federal district-court civil money judgments: postjudgment interest, stays, execution, liens, and registration","Research and provenance boundaries","1. Currentness and legal-status findings","2. Provision-specific comparison","3. Source register — R026-P1-S001+","A. Statutes and rules","S006: precise rule read map","B. Rate documentation, forms, and local instructions","4. Substantive findings and atomic claim ledger","A. Coverage, entry, judgment components, and settlement boundaries","B. Statutory interest rule and express exceptions","C. Rate provenance, units, and methodological limits","D. Stays, security, appeals, and accrual","E. Execution, liens, and registration","F. Forms, local instructions, and unresolved status","5. Blank-form and public-instruction audit","AO 450 — Judgment in a Civil Action","AO 451 — Clerk’s certification for registration","Local instructions: permissible use and limit","6. Blank audit worksheet","7. Qualitative branches and granular branch coverage","8. Numbered-question coverage and question-to-claim/source crosswalk","9. Source-read and retrieval-failure log","Successful material reads","Failed or limited retrievals","10. Explicit remaining gaps and parent holds","Material unresolved questions within the selected component","Parent holds remain intact","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R026/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["judgment","levy"],"subject":["interest-charges-math","provider-licensing","judgments-duration","research-quality"]},"scope":"SettleADebt R026 PASS-01 — FIRST FOCUSED A026 COMPONENT: US FEDERAL DISTRICT-COURT CIVIL MONEY JUDGMENT POSTJUDGMENT INTEREST AND STAY/EXECUTION BOUNDARIES. A026 also covers accident/property liability, subrogation, deductibles, indemnity, damages, attorney awards and existing legal settlement obligations. Independently investigate ONLY published generic federal statutes, Federal Rules of Civil Procedure and necessary official public rate/method instructions for this component. No prior chat or unreviewed library report is a foundation. No actual or invented creditor/debtor/person/insurer/entity/account/property/case-record/docket-status or identifier query.","pending_corrections":0},{"key":"r027--pass-01","task":"R027","title":"Federal ECOA/Regulation B business-credit application and notification framework","parent_title":"Business loans and facilities","edition":"pass-01","path":"/research/r027--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[27],"groups":["debt-types"],"date":"2026-10-28","tables":20,"claims":79,"sources":22,"review_status":"conditionally_reviewed_edition_and_application_holds","review_complete":true,"sha256":"b689f553e44198c91475b8e390f3937a19ca3e6b3b7b043c92aea83b4ee6ce24","headings":["Federal ECOA/Regulation B business-credit application and notification framework","Reading this dossier","1. Currentness, authority, and source register","1.1 Currentness findings and limits","1.2 Source table","2. Complete substantive findings and atomic claim table","2.1 Coverage, actors, applications, and adverse action","2.2 Material classes and statutory boundaries","2.3 Business classification and notification alternatives","2.4 Incompleteness, counteroffers, withdrawal, and multiple parties","2.5 Reasons, retained content, model forms, and remaining boundaries","3. Provision-specific procedural comparison","Events that must remain separate","4. Model notices and official examples","4.1 Relevant sample notices","4.2 Official interpretation examples that materially affect procedure","5. Qualitative branches and granular branch coverage","6. Blank audit worksheet","A. Coverage and classification","B. Event and trigger ledger","C. Notice-content review","D. Retention and conclusion controls","7. Numbered-question coverage and crosswalk","8. Source-read/failure log, explicit gaps, and self-check","8.1 Retrieval and read log","8.2 Explicit unresolved gaps","8.3 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R027/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["business"],"stage":["origination"],"subject":[]},"scope":"SettleADebt R027 PASS-01 — FIRST FOCUSED A027 COMPONENT: US FEDERAL ECOA/REGULATION B BUSINESS-CREDIT APPLICATION, INCOMPLETENESS, ADVERSE-ACTION AND REASONS-NOTICE FRAMEWORK. A027 also covers term/credit lines, equipment, cards, SBA/disaster/franchise, guarantees, public credit, commercial property, farm and trade finance. Independently research ONLY the published generic federal statutory/regulatory notification framework for business credit, its classifications and material exceptions. No prior research chat or unreviewed library finding is a foundation. No actual or invented applicant/creditor/guarantor/person/entity/account/property/license/case-record/docket-status or identifier query; generic roles only.","pending_corrections":0},{"key":"r028--pass-01","task":"R028","title":"New York’s published commercial-financing disclosure framework for sales-based financing","parent_title":"Merchant cash advances and alternative funding","edition":"pass-01","path":"/research/r028--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[28],"groups":["debt-types"],"date":"2026-10-28","tables":19,"claims":107,"sources":29,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"929ffc058a89d0658a6db7f340a2c93dde20ce8a8bacb8bd2b028def827dfa7d","headings":["New York’s published commercial-financing disclosure framework for sales-based financing","How to read the register","A. New York Financial Services Law: current official statutory body","B. Adopted Part 600, adoption record, agency explanations, and history","S009: exact Part 600 clause and page map","C. Necessary cross-references and imported calculation rules","D. Current-compilation and guidance-search limitations","A. Codification, adoption, dates, and legal effect","B. Scope, roles, nexus, thresholds, and every statutory exemption","C. Specific offers, changed terms, signatures, brokers, and funding distinctions","D. Funding, finance charge, APR, and other cost measures","E. Every selected sales-based disclosure item and format condition","F. Complete selected projection, reconciliation, audit, reporting, and tolerance rules","G. Source defects and explicit research limits","Source-defined equations, without invented transaction inputs"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R028/pass-01","facets":{"geography":["us","us-ny"],"debt_type":["business"],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"SettleADebt R028 PASS-01 — FIRST FOCUSED A028 COMPONENT: NEW YORK PUBLISHED COMMERCIAL-FINANCING DISCLOSURE FRAMEWORK FOR SALES-BASED FINANCING. Independently research only the generic public statute, adopted regulation and official public generic instructions needed to establish scope, definitions, exemptions, disclosure timing/content, estimated-payment/reconciliation distinctions and acceptance. A028 merchant cash advances/alternative funding is much broader; preserve every unaddressed jurisdiction, product, contract and enforcement dimension. No prior research chat or unreviewed library report is a foundation. No actual or invented recipient/provider/broker/lender/entity/person/account/property/license/case-record/docket-status or identifier query, roster or records request; generic roles only.","pending_corrections":0},{"key":"r029--pass-01","task":"R029","title":"California goods-sale tender, rejection, acceptance, revocation, and payment boundaries","parent_title":"Business operating debts","edition":"pass-01","path":"/research/r029--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[29],"groups":["debt-types"],"date":"2026-10-28","tables":19,"claims":84,"sources":64,"review_status":"scoped_coordinator_goods_sale_review_complete_OFFICIAL_COMMERCIAL_CODE_GATE_OPEN_all_version_judicial_contract_application_parent_holds","review_complete":true,"sha256":"4cf1ebc5fb396cc197801eff4e824870ed6cf327a2be36295a4a35ececba2c88","headings":["California goods-sale tender, rejection, acceptance, revocation, and payment boundaries","1. Currentness, authority, and reading conventions","1.1 What the source statuses mean","1.2 Status of potentially different bodies of law","1.3 How to read the tables","2. Substantive findings and atomic claim register","2.1 Scope, classifications, definitions, and governing terms — Question 1","2.2 Tender, inspection, rejection, possession, and cure — Question 2","2.3 Acceptance, breach notification, revocation, and payment — Question 3","2.4 Deduction, price action, and limited remedy boundaries — Question 4","3. Provision-specific comparison","4. Qualitative branches and branch-level coverage","Arithmetic and illustrations","5. Blank audit worksheet","6. Numbered-question coverage and crosswalk","7. Source register — R029-P1-S001+","7.1 Common metadata for the Commercial Code republications","7.2 Commercial Code: scope and general provisions","7.3 Commercial Code: performance and tender","7.4 Commercial Code: rejection, acceptance, revocation, and installments","7.5 Commercial Code: limited remedy boundaries and adjacent classifications","7.6 Civil Code, enactments, and official publications","8. Source-read and failure log","8.1 Material retrieval failures","8.2 Other reading controls","9. Explicit gaps, parent holds, and researcher self-check","9.1 Gaps that prevent acceptance of this pass as current official-source research","9.2 Parent holds preserved","9.3 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R029/pass-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["origination"],"subject":[]},"scope":"SettleADebt R029 PASS-01 — FIRST FOCUSED A029 COMPONENT: CALIFORNIA ENACTED COMMERCIAL-CODE GOODS-TENDER, REJECTION, ACCEPTANCE, REVOCATION AND PAYMENT-OBLIGATION BOUNDARIES IN GENERIC BUSINESS SUPPLIER DISPUTES. A029 includes vendors/trade, rent/leases, payroll/benefits, deposits/refunds, chargebacks, taxes and professionals; do not survey or claim those other dimensions complete. Independently research only published California statutes and necessary official public interpretations. No prior research chat or unreviewed library report is a foundation. No actual or invented buyer/seller/vendor/person/entity/account/property/license/case-record/docket-status or identifier query, roster, record request or contract inquiry; generic roles only.","pending_corrections":0},{"key":"r030--pass-01","task":"R030","title":"Federal Regulation U: purpose credit secured by margin stock","parent_title":"Specialized borrowing and claims","edition":"pass-01","path":"/research/r030--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[30],"groups":["debt-types"],"date":"2026-10-28","tables":17,"claims":103,"sources":14,"review_status":"conditionally_reviewed_source_boundaries_and_application_holds","review_complete":true,"sha256":"850fa2ab8eecc0c61aa3593f129c952d71aa32b90b6df9daf5cb9928c66abf8e","headings":["Federal Regulation U: purpose credit secured by margin stock","1. Source register and read bounds","2. Atomic claim register: authority, scope, and classification","2.1 Statutory authority and basic classifications","2.2 Direct and indirect security; scope exclusions","3. Atomic claim register: loan value, aggregation, and later events","3.1 Plain-text mechanism, without invented transaction inputs","4. Atomic claim register: special treatment and exceptions","5. Atomic claim register: thresholds, forms, reporting, and retention","5.1 Nonbank registration and reporting","5.2 Purpose statements and current form categories","6. Atomic claim register: T/X boundaries and necessary interpretations","6.1 Lender, broker, and borrower boundaries","6.2 Additional codified interpretations and their limits","6.3 Currentness and source limitations as claims","7. Provision-specific comparison","8. Substantive qualitative branches and branch coverage","9. Blank audit worksheet","10. Numbered-question coverage and source/claim crosswalk","11. Source-read and retrieval-failure log","11.1 Completed reads","11.2 Failures and their consequences","11.3 Material gaps that remain","11.4 Status distinctions","12. Researcher self-check and retained parent holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R030/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["margin_credit"],"stage":[],"subject":[]},"scope":"SettleADebt R030 PASS-01 — FIRST FOCUSED A030 COMPONENT: US FEDERAL RESERVE REGULATION U PURPOSE CREDIT SECURED BY MARGIN STOCK, ITS LENDER/TRANSACTION CLASSIFICATIONS, CREDIT-LIMIT MECHANISM AND GENERIC DOCUMENTATION. A030 also covers farm/agriculture, commercial property, construction/projects, trade/export, premium finance, litigation/inheritance advances and casino credit. Independently investigate ONLY the published generic federal Regulation U framework and necessary T/X statutory cross-reference boundaries. No prior research chat or unreviewed library finding is a foundation. No actual or invented borrower/lender/broker/person/entity/security/account/property/license/case-record/docket-status or identifier query. Generic roles and unfilled worksheets only.","pending_corrections":0},{"key":"r031--pass-01","task":"R031","title":"Federal retirement-plan participant loans, deemed distributions and plan-loan offsets","parent_title":"Borderline contingent and mislabeled debt","edition":"pass-01","path":"/research/r031--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[31],"groups":["debt-types"],"date":"2026-10-28","tables":20,"claims":87,"sources":37,"review_status":"scoped_coordinator_federal_participant_loan_review_complete_fresh72_402_access_and_all_source_history_application_parent_holds","review_complete":true,"sha256":"c70074d2b1abe5940cf6d9f9414d276bc97e06ccf59ecdc30b0a3440809e9218","headings":["1. Scope, access record, and principal finding","Identifier convention","2. Provision-specific comparison","3. Atomic claim table: substantive findings","A. Coverage, definitions, and the absence of an automatic loan entitlement","B. Initial amount, lookback, aggregation, agreement, and refinancing","C. Repayment, residence, leave, military service, and disaster exceptions","D. Failure, default, cure, deemed-distribution amount, and later treatment","E. Actual offset, QPLO, severance, eligibility, and basic rollover periods","F. Extensions, waivers, and postponements—distinct conditional routes","G. Statutory and regulatory transitions","H. ERISA exemption conditions and limitations","4. Transition and official-example read index","4.1 Transition matrix","4.2 Official examples actually read","5. Granular coverage and substantive qualitative branches","6. Blank audit worksheet","7. Source register: R031-P1-S001+","Register conventions","7.1 Principal statutes and regulations","7.2 Final rules, session laws, and historical proposal","7.3 Official interpretations and explanatory materials","8. Source-read and retrieval-failure log","8.1 Read completion and limits","8.2 Exact retrieval failures and their consequences","9. Question-to-claim/source crosswalk","10. Explicit gaps and researcher self-check","10.1 Gaps that remain open","10.2 Researcher self-check—not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R031/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["retirement_plan_loans"],"stage":[],"subject":[]},"scope":"SettleADebt R031 PASS-01 — FIRST FOCUSED A031 COMPONENT: US FEDERAL QUALIFIED RETIREMENT-PLAN PARTICIPANT LOANS, DEEMED-DISTRIBUTION AND PLAN-LOAN-OFFSET DISTINCTIONS. A031 also covers policy loans, earned-wage access, home-equity investments, undrawn lines, uncalled guarantees, sales, future payments and fabricated/released/discharged claims. Independently investigate ONLY the published generic federal tax and ERISA participant-loan framework and necessary distinction between outstanding loan, deemed distribution, actual offset and qualified plan loan offset. No prior research chat or unreviewed library finding is a foundation. No actual or invented participant/employer/plan/provider/person/entity/account/beneficiary/property/case-record/docket-status or identifier query. Generic roles and unfilled worksheets only.","pending_corrections":0},{"key":"r032--pass-01","task":"R032","title":"Focused component: public federal instructions for prioritizing payments outside a formal program","parent_title":"Repaying without a formal program","edition":"pass-01","path":"/research/r032--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[32],"groups":["ways-forward"],"date":"2026-10-28","tables":23,"claims":63,"sources":16,"review_status":"reviewed_plaintext_repair_resolved_with_evidence_and_application_holds","review_complete":true,"sha256":"191d9820bdb36a54b0a348b08395e6c2fc9098f1c4384b6960a0dce55a1aa70d","headings":["Focused component: public federal instructions for prioritizing payments outside a formal program","1. Evidence conventions","2.1 Current toolkit family and its individual tools","2.2 Supplemental instructions, linked worksheets and failed federal candidate","Source-status conclusions","3.1 Status, strategy selection and prerequisites","3.2 Shortage triage and consequences","3.3 Income, spending, cash flow, scheduling and relief discussions","3.4 Reserves, comparison limits and review","3.5 Mathematical and evidence-status claims","How the decisions fit together","5.1 Source and claim evidence","5.2 Generic debt-information audit","5.3 Timing and consequence audit","5.4 Cash-flow observation structure","5.5 Strategy and review audit","6.1 Why this illustration is included","6.2 Complete stipulated assumptions — C056","6.3 R032-P1-M001 — Smallest-balance-first","6.4 R032-P1-M002 — Highest-interest-first","6.5 R032-P1-M003 — Conditional comparison","10.1 Gaps retained","10.2 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R032/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["current"],"subject":["budget-priorities"]},"scope":"SettleADebt R032 PASS-01 — FIRST FOCUSED A032 COMPONENT: PUBLIC US FEDERAL FINANCIAL-EDUCATION INSTRUCTIONS FOR PRIORITIZING PAYMENTS WHEN REPAYING WITHOUT A FORMAL PROGRAM. A032 also covers snowball, avalanche, highest-consequence-first, minimums, scheduling, extra payments, budget/income and emergency reserves. Independently investigate ONLY the generic decision framework in complete relevant official CFPB and other necessary federal public financial-education instructions/tools. No prior research chat or unreviewed library report is a foundation. No actual or invented person, creditor, provider, lender, license, entity, account, borrower, property, case-record, roster or identifying-entry query. Generic debt categories, abstract quantities and wholly blank worksheets only.","pending_corrections":0},{"key":"r032--pass-02","task":"R032","title":"Bounded plain-text mathematical addendum to section 6","parent_title":"Repaying without a formal program","edition":"pass-02","path":"/research/r032--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[32],"groups":["ways-forward"],"date":"2026-10-28","tables":7,"claims":29,"sources":1,"review_status":"reviewed_plaintext_repair_resolved_with_evidence_and_application_holds","review_complete":true,"sha256":"2e5b50d323c0d3cb29d05554aa0c14864fc32350b3615abc1f4f7a7adff55902","headings":["Bounded plain-text mathematical addendum to PASS-01, section 6","1. Supplied-context source/read register","2. Complete assumptions retained","3. Repaired formulas and payment sequence","F001 — Variables, units, indexing and rounding","F002 — Interest, after-interest balance, minimums and extra available","F003 — Target timing, cap and same-period reallocation","F004 — Actual payments, closing balances and unused budget","4. Verification of the six original rows","Original M001 — Smallest-first, V001-V003","Original M002 — Highest-rate-first, V004-V006","Six-row verification table","5. Complete reconciliations in ASCII","Original M001 / C057 — Smallest-first totals","Original M002 / C058 — Highest-rate-first totals","Original M003 / C059 — Conditional differences and closure timing","6. Atomic R032-P2 claim register","7. Correction crosswalk to the original report","8. Compact coverage table","9. Remaining gaps and researcher self-check","Explicit remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R032/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["interest-charges-math"]},"scope":"Boundedplaintextformula/reconciliation/assumption/crosswalkaddendum ONLY;no newresearch/model/parentcoverage","pending_corrections":0},{"key":"r033--pass-01","task":"R033","title":"Federal retail-credit workout and account-management policy","parent_title":"Direct creditor hardship","edition":"pass-01","path":"/research/r033--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[33],"groups":["ways-forward"],"date":"2026-10-28","tables":17,"claims":99,"sources":22,"review_status":"reviewed_with_source_history_currentness_and_application_holds","review_complete":true,"sha256":"719466d8e1f18c31bd0302b02caf8aab7a75f6c48a5635a932375c4591eed3c9","headings":["1. Source register","R033-P1-S001 — FFIEC, Uniform Retail Credit Classification and Account Management Policy","R033-P1-S002 — Federal Reserve, SR 00-8, Revised Uniform Retail Credit Classification and Account Management Policy","R033-P1-S003 — OCC Bulletin 2000-20, Uniform Retail Credit Classification and Account Management Policy: Policy Implementation","R033-P1-S004 — FDIC implementation pages: access failed","R033-P1-S005 — Joint 2003 credit-card account-management guidance","R033-P1-S006 — Federal Reserve, SR 03-1, Account Management and Loss Allowance Methodology for Credit Card Lending","R033-P1-S007 — OCC Bulletin 2003-1, Credit Card Lending: Account Management and Loss Allowance Guidance","R033-P1-S008 — FDIC FIL-2-2003 cover: access failed","R033-P1-S009 — Federal Reserve, Supervisory Policy and Guidance Topics: Credit Risk Management","R033-P1-S010 — Federal Reserve, Bank Holding Company Supervision Manual, §2241.0, Retail Credit Classification, and version material","R033-P1-S011 — Federal Reserve, SR 14-9, Incorporation of Federal Reserve Policies into the Savings and Loan Holding Company Supervision Program","R033-P1-S012 — OCC, Comptroller’s Handbook: Retail Lending, version 2.0","R033-P1-S013 — OCC, Comptroller’s Handbook: Credit Card Lending, version 2.0","R033-P1-S014 — OCC status/index bodies","R033-P1-S015 — FDIC current statements/manual bodies: access failed","R033-P1-S016 — OCC regulation, Use of Supervisory Guidance","R033-P1-S017 — FDIC regulation, Use of Supervisory Guidance","R033-P1-S018 — Federal Reserve regulation, Use of supervisory guidance","R033-P1-S019 — U.S. Code, 12 USC 1813, Definitions","R033-P1-S020 — OCC/FDIC, Unsafe or Unsound Practices, Matters Requiring Attention","R033-P1-S021 — OCC consumer explanation, My loan was charged off. So why is the bank still requiring payment?","R033-P1-S022 — Original OTS footnote: current successor-law check unresolved","2. Atomic claim register and substantive findings","A. Instrument, version and legal status","B. Institutional and credit coverage","C. Shared controls and exact transaction definitions","D. Ordinary open-end re-aging and formal-workout re-aging","E. Closed-end extensions, deferrals, renewals and rewrites","F. Additional credit-card workout and forbearance provisions","G. Delinquency and charge-off measurement","H. Collateral and special classification branches","I. Classification meaning and charge-off limits","J. Later examiner explanations and boundaries","3. Provision-specific comparison","Published generic instruction examples","4. Substantive qualitative branches","5. Wholly blank audit worksheet","6. Granular coverage and question-to-evidence crosswalk","7. Source-read and failure log","8. Explicit remaining gaps and limits","Currentness gaps","Interpretation and application gaps","9. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R033/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["store_cards","unknown"],"stage":["current","late"],"subject":["definitions-classification","hardship-workouts","policy-history"]},"scope":"SettleADebt R033 PASS-01 — FIRST FOCUSED A033 COMPONENT: US FEDERAL BANKING AGENCIES' PUBLISHED RETAIL-CREDIT WORKOUT, RE-AGING, EXTENSION, DEFERRAL, RENEWAL AND REWRITE CLASSIFICATION/ACCOUNT-MANAGEMENT POLICY. A033 also covers direct-creditor rate/fee concessions, temporary reductions, extensions, deferment, forbearance, re-aging, modifications and applications. Independently investigate ONLY the published generic federal retail-credit prudential/supervisory framework and its limits. No prior research chat or unreviewed library finding is a foundation. No actual or invented bank, lender, provider, person, license, entity, borrower, account, property, case-record, roster, identifier entry or status query. Agency issuers and generic institutional roles only; no institution directory, charter, asset or bank-specific policy lookup.","pending_corrections":0},{"key":"r034--pass-01","task":"R034","title":"Federal tax-exemption conditions for credit-counseling organizations under IRC §501(q)","parent_title":"Counseling and debt management plans","edition":"pass-01","path":"/research/r034--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[34],"groups":["ways-forward"],"date":"2026-10-28","tables":16,"claims":60,"sources":25,"review_status":"conditionally_reviewed_currentness_interpretation_and_application_holds","review_complete":true,"sha256":"5f3b632fc622e8ca34bfada9379e5fece8db571244b174b104dc5bcc996156e4","headings":["Federal tax-exemption conditions for credit-counseling organizations under IRC §501(q)","1. Currentness, authority, and boundaries","1.1 Statutory and regulatory versions actually reached","1.2 What the currentness check establishes","2. Source table and source-read log","2.1 Statutes and regulations","2.2 IRS credit-counseling FAQ family — one grouped explanatory source","2.3 Other necessary explanations and currency sources","3. Atomic claim table","3.1 Authority, trigger, definitions, and underlying exemption categories","3.2 Counseling, loans, credit repair, accessibility, and fees","3.3 Governance, ownership, and referrals","3.4 Contributions, revenues, categories, aggregation, and tax consequences","3.5 Generic explanations, limits of labels, and remaining authority bounds","4. Provision-specific comparison","Educational counseling and DMP implementation: substantive qualitative distinction","5. Measurement rules and blank equations","5.1 Governing-body measurements","5.2 Ownership measurements","5.3 Creditor-revenue measurement","6. Substantive qualitative branches","7. Blank audit worksheet","Blank measurement fields","8. Granular coverage and question-to-claim/source crosswalk","9. Retrieval failures and explicit unresolved gaps","9.1 Failure log","9.2 Remaining gaps and the precise authority needed","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R034/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["tax"],"stage":[],"subject":["counseling-dmp","exemptions-property","tax-cancellation"]},"scope":"SettleADebt R034 PASS-01 — FIRST FOCUSED A034 COMPONENT: US FEDERAL TAX-EXEMPTION CONDITIONS FOR CREDIT-COUNSELING ORGANIZATIONS UNDER INTERNAL REVENUE CODE501(q), AND THE DISTINCT LIMITS OF A NONPROFIT/TAX-EXEMPT LABEL. A034 also covers assessments, DMP participation/distribution/concessions/fees/closures/restrictions/completion/cancellation and for-profit providers. Independently investigate ONLY the published generic federal statutory conditions and necessary IRS official explanations for credit-counseling organizations. No prior research chat or unreviewed library finding is a foundation. No actual or invented organization/person/provider/lender/license/entity/account/borrower/property/case-record/docket-status or identifier query. No exemption-status/organization/roster database search; generic roles and blank worksheets only.","pending_corrections":0},{"key":"r035--pass-01","task":"R035","title":"Federal closed-end consumer refinancing classification under 12 CFR 1026.20(a)","parent_title":"Consolidation and refinancing","edition":"pass-01","path":"/research/r035--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[35],"groups":["ways-forward"],"date":"2026-10-28","tables":17,"claims":77,"sources":19,"review_status":"conditionally_reviewed_currentness_evidence_and_application_holds","review_complete":true,"sha256":"39a61ab0f8bef46a88091a04443b50988506471c4540ff2a2ca6663e5621cbc5","headings":["Federal closed-end consumer refinancing classification under 12 CFR 1026.20(a)","Register conventions","1. Source register","Common metadata","A. Current Regulation Z instrument family","B. Statutory instrument families","C. Necessary issuance, amendment, correction, and transition materials","2. Substantive findings and atomic claim register","A. Authority, status, and temporal limits","B. Coverage, actor, purpose, and exemption predicates","C. The §20(a) classification test and variable-rate qualifications","D. Every §20(a) exception and its material qualifications","E. Prior charges, financed balances, fees, and amount financed","F. What new disclosures mean, timing, and limits","3. Provision-specific exception comparison","Official examples and illustrations actually read","4. Substantive qualitative branches","5. Entirely blank evidence worksheet","6. Mathematical illustration decision","7. Granular question-to-evidence coverage and crosswalk","8. Source-read and failure log","Successful reads and recovery","Failures and limitations","9. Explicit gaps and researcher self-check","Remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R035/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","consolidation-refinancing"]},"scope":"First independent federal closed-end refinancing classification component under1026.20(a); parent open.","pending_corrections":0},{"key":"r036--pass-01","task":"R036","title":"Federal life-insurance borrowing and modified-endowment tax treatment","parent_title":"Using assets or other borrowing","edition":"pass-01","path":"/research/r036--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[36],"groups":["ways-forward"],"date":"2026-10-28","tables":14,"claims":113,"sources":24,"review_status":"scoped_coordinator_review_completed_with_material_primary_access_currentness_application_holds","review_complete":true,"sha256":"c8c6ba91e08996a97813c594c5c7ec4aa4503ecfee430d0f8d7fabadfcdd977c","headings":["1. Research record, authority status, and source register","Source table","2. Substantive findings and atomic claim register","A. Contract qualification and distinct measurements","B. Modified endowment contract: definition, testing, changes, aggregation, and transitions","C. Receipt, borrowing, distributions, investment recovery, and later events","D. Additional tax and annuity boundaries","E. Interest and deduction limitations","F. Exchanges and death-benefit boundaries","G. Reporting and withholding are separate from substantive liability","3. Provision-specific comparison","4. Substantive qualitative branches","5. Wholly blank evidence and audit worksheet","6. Calculation and illustration decision","7. Granular coverage and crosswalk","8. Source-read and failure log","9. Explicit gaps and limits","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R036/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["tax","life_insurance_loans"],"stage":[],"subject":["tax-cancellation"]},"scope":"SettleADebt R036 PASS-01 — FIRST FOCUSED A036 COMPONENT: US FEDERAL INCOME-TAX TREATMENT OF LOANS, ASSIGNMENTS/PLEDGES AND DISTRIBUTIONS INVOLVING LIFE-INSURANCE CONTRACTS, INCLUDING THE MODIFIED-ENDOWMENT-CONTRACT BOUNDARY. A036 also covers savings/asset sales, family help, home equity, retirement loans/withdrawals and insurance loans. Independently investigate ONLY the generic published federal statutory/regulatory tax framework needed for the life-insurance-loan component. The separate retirement-plan-loan report is not a foundation and must not be regenerated. No actual or invented person, insurer, lender, provider, entity, policy, account, borrower, property, case-record, roster or identifying-entry query. Generic contract roles, abstract symbols and entirely blank audit fields only.","pending_corrections":0},{"key":"r037--pass-01","task":"R037","title":"LIHEAP federal program-law findings and evidence","parent_title":"Assistance waivers and forgiveness","edition":"pass-01","path":"/research/r037--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[37],"groups":["ways-forward"],"date":"2026-10-28","tables":19,"claims":106,"sources":39,"review_status":"scoped_coordinator_LIHEAP_review_complete_fresh8622_8623_8624access_andall_source_fiscal_application_parent_holds","review_complete":true,"sha256":"699308e472a605b1de47dc1a5e716744a4dbadcd912135523ea0b618bccb7029","headings":["1. Substantive findings and atomic claim table","1.1 Governing instruments, funding and legal status","1.2 Definitions, income limits, categorical routes and targeting","1.3 Government plans, administration and direct tribal routes","1.4 Assistance purposes, fiscal caps, carryover and vendor payments","1.5 Crisis timing, application access and procedural safeguards","1.6 Benefit interactions and the boundary with debt forgiveness","1.7 Version controls and analytical limits","2. Provision-specific comparison","3. Substantive qualitative branches and branch coverage","4. Wholly blank program-law evidence worksheet","5. Source register","Register conventions","5.1 Complete LIHEAP statutory body","5.2 Regulations, fiscal legislation and necessary cross-references","5.3 Generic instructions, historical guidance and discovery-only material","6. Granular question coverage and question-to-claim crosswalk","7. Source-read and failure log","7.1 Completed reading","7.2 Failures, recoveries and unresolved access","8. Explicit gaps and limits remaining after this pass","9. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R037/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["utilities"],"stage":[],"subject":["utilities-service"]},"scope":"SettleADebt R037 PASS-01 — FIRST FOCUSED A037 COMPONENT: THE GENERIC UNITED STATES FEDERAL LOW-INCOME HOME ENERGY ASSISTANCE PROGRAM (LIHEAP) FRAMEWORK, ELIGIBILITY LIMITS, CRISIS ASSISTANCE, STATE/TRIBAL DISCRETION AND THE DISTINCTION BETWEEN ASSISTANCE AND DEBT FORGIVENESS. A037 also includes hospitals, rent, benefits, education, tax and charitable relief. Investigate ONLY this one public federal energy-assistance program. Research independently from public primary authorities, with no prior research chat or unreviewed library report as a premise. No actual or invented household, applicant, recipient, person, utility, landlord, lender, provider, organization, tribe, grantee, account, address, case, license, roster or identifier query/entry. Use generic legal roles and wholly blank evidence fields only; do not access an actual plan, award, provider policy, account, application, eligibility determination or case record.","pending_corrections":0},{"key":"r038--main","task":"R038","title":"Consumer Bankruptcy Research Report","parent_title":"Consumer bankruptcy","edition":"initial","path":"/research/r038--main/","kind":"initial","category":"subject","role":"primary_area","area_numbers":[38],"groups":["ways-forward"],"date":"2026-10-22","tables":5,"claims":74,"sources":38,"review_status":"revise","review_complete":true,"sha256":"1c2b529777370c3745ecbfe39972a203c64127f32f0b45484eabbbac6c26912c","headings":["Scope, status, and controlling conclusions","Federal eligibility, means testing, exemptions, stay, and trustees","Chapter procedures, claims, plans, discharge, costs, and failure modes","State, tribal, program, and contract boundaries","Consequences, settlement suitability, and worked examples","Source and claim-evidence registers","Coverage, gaps, publication holds, and content opportunities","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R038/initial","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["bankruptcy"],"subject":["exemptions-property","bankruptcy-insolvency"]},"scope":"This is an extensive investigation of area A038 itself, not a broad multi-area survey. Expand every item in the area scope into answerable questions. Cover concepts, eligibility/liability, debt lifecycle, actual procedures, documents, deadlines, costs, alternatives, rights, settlement suitability, failure cases, tax/credit/collateral consequences and recovery insofar as relevant. Distinguish research from professional individualized advice. For conceptual/editorial/data/institutional topics adapt these dimensions meaningfully rather than invent consumer enrollment rules. Include representative primary-source examples and explicit geographic boundaries.","pending_corrections":0},{"key":"r038--correction-01","task":"R038","title":"Consumer bankruptcy: targeted evidence supplement","parent_title":"Consumer bankruptcy","edition":"correction-01","path":"/research/r038--correction-01/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[38],"groups":["ways-forward"],"date":"2026-10-23","tables":6,"claims":14,"sources":19,"review_status":"revise","review_complete":true,"sha256":"0414f444f2b6ead1ae303e5d5a159b3b7eb659413e5b59287365661ee2debbd3","headings":["1. Confirmed findings and evidence status","2. Recovered source register — nine original identities","2.1 S031 and S033 — precise unresolved identities","3. Supplemental authority register","3.1 February 25, 2025 erratum — exact correction","3.2 Future-effective authority — source discrepancy","4. Claim/evidence register — replacement and supplemental rows","4.1 December 2026 fee changes — verified item-level figures","5. Granular coverage update","6. Publication holds and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R038/correction-01","facets":{"geography":["us"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"","pending_corrections":0},{"key":"r038--correction-02","task":"R038","title":"CORRECTION-02 — Consumer Bankruptcy (A038)","parent_title":"Consumer bankruptcy","edition":"correction-02","path":"/research/r038--correction-02/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[38],"groups":["ways-forward"],"date":"2026-10-23","tables":6,"claims":10,"sources":9,"review_status":"revise","review_complete":true,"sha256":"d9d18e44c1fced455145d4af6f8cd596edda3414e8541fa4e06069bbf3ea015d","headings":["1. Correction scope and disposition","2. Corrected findings","2.1 Federal QPRI exclusion — corrected narrative","2.2 Chapter 13 first-payment deadline — corrected R038-C043","3. Reissued original worked examples","Example 1 — California Chapter 7 median comparison","Example 2 — Chapter 7 statutory abuse threshold","Example 3 — Chapter 7 home equity","Example 4 — Chapter 13 liquidation floor","Example 5 — The 910-day vehicle rule","Example 6 — Repeat bankruptcy filing","Example 7 — Settlement versus Title 11 federal income tax","Example 8 — Chapter 13 payment-start date","4. Source and reuse register","5. Corrected claim/evidence register","6. Corrected example-to-claim mapping","7. Granular correction coverage table","8. Publication holds and next editorial actions","9. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R038/correction-02","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["repossession","bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"","pending_corrections":0},{"key":"r038--correction-03","task":"R038","title":"CORRECTION-03 — Metadata, Source Identity & Claim Mapping","parent_title":"Consumer bankruptcy","edition":"correction-03","path":"/research/r038--correction-03/","kind":"correction","category":"subject","role":"primary_area","area_numbers":[38],"groups":["ways-forward"],"date":"2026-10-23","tables":3,"claims":11,"sources":12,"review_status":"revise","review_complete":true,"sha256":"ce7e85ccdca38f1defa3345cfcb8d4c3d0b360c5ad6ed268db2e9b9c1c110910","headings":["1. Full ID-alias and source-reference table","2. Corrected claim/source mapping table","3. Narrow textual corrections","A. Original worked-example count and code-block provenance","B. QPRI financial-condition language","C. Source-count correction","4. Coverage and residual-hold table"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R038/correction-03","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["accessibility","research-quality"]},"scope":"","pending_corrections":0},{"key":"r039--pass-01","task":"R039","title":"Federal Chapter 11 small-business-debtor and Subchapter V eligibility, election and threshold transitions","parent_title":"Business restructuring and insolvency","edition":"pass-01","path":"/research/r039--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[39],"groups":["ways-forward"],"date":"2026-10-28","tables":17,"claims":110,"sources":44,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"bcefbcee3f966515934efd54d1b9f8247237fb8cfe17f5c4b2069af9d5599e4f","headings":["Federal Chapter 11 small-business-debtor and Subchapter V eligibility, election and threshold transitions","1. Atomic claim table: substantive findings","1.1 Controlling classifications and basic definitions","1.2 Affiliate, insider and counted-debt predicates","1.3 Chapter 11 eligibility and incorporated exclusions","1.4 Threshold adjustment, historical transitions and equality","1.5 Designation, election, objection, service and rule transitions","1.6 Supporting definition boundaries actually examined","2. Provision-specific comparison","2.1 Four distinct determinations","2.2 Threshold chronology and transition qualifications","2.3 Different measurements must stay separate","3. Source table and actual read extent","Registry conventions","3.1 Core statutes, adjustment notices and transition legislation","3.2 Rules, procedural cross-references and specialized definitions","3.3 Forms, currentness records and historical/future materials","4. Substantive qualitative branches and branch-level coverage","5. Entirely blank eligibility/election evidence and audit worksheet","6. Numbered-question coverage and crosswalk","7. Source-read and failure log","8. Explicit unresolved points and researcher self-check","Material unresolved points","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R039/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["business"],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency","policy-history"]},"scope":"First independent federal smallbusiness/SubchapterV eligibility/election/thresholdtransitioncomponent only;parentopen","pending_corrections":0},{"key":"r040--pass-01","task":"R040","title":"Federal nontax claims: inability to pay, compromise, installments, suspension, termination, and discharge","parent_title":"Mixed solutions and no affordable payment","edition":"pass-01","path":"/research/r040--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[40],"groups":["ways-forward"],"date":"2026-10-28","tables":16,"claims":113,"sources":24,"review_status":"reviewed_C087_exception_repair_resolved_with_all_other_holds","review_complete":true,"sha256":"4689c2bd827e20b89afd02f34072e97371a86ef9521f215212f18636021ca8fe","headings":["Federal nontax claims: inability to pay, compromise, installments, suspension, termination, and discharge","1. Evidence conventions and source register","Source table R040-P1-S001–S024","2. Atomic claim register","A. Source status, scope, and exclusions","B. Monetary authority, transfers, referral, and decision-maker","C. Complete compromise framework","D. Installments, charges, and agreement conditions","E. Suspension, termination, discharge, and reporting","F. Safeguards, interpretation boundaries, and held conclusions","3. Provision-specific comparison","The decisions address different questions","Monetary boundaries: units, accounting base, and inclusive/strict limits","Periods and triggers that must not be converted into universal terms","4. Substantive qualitative branches","5. Wholly blank public-law evidence worksheet","6. Granular coverage and question-to-claim crosswalk","7. Source-read and failure log","Failed or limited retrievals","8. Explicit remaining gaps and researcher self-check","Remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R040/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation"]},"scope":"Firstgenericfederalnon-taxFCCSinabilitypay-compromise/installment/suspension/terminationpubliclawcomponent","pending_corrections":0},{"key":"r040--pass-02","task":"R040","title":"Bounded correction to P1-C087","parent_title":"Mixed solutions and no affordable payment","edition":"pass-02","path":"/research/r040--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[40],"groups":["ways-forward"],"date":"2026-10-28","tables":9,"claims":1,"sources":4,"review_status":"reviewed_C087_exception_repair_resolved_with_all_other_holds","review_complete":true,"sha256":"8a496e8b3015ec6e80adaa455abdcf93b9e0e9a08e415e4639b247731af82dc1","headings":["1. Source and read register","2. Explicitly superseding replacement claim","Express qualifications retained in that replacement","Narrow incorporated definitions","Why the omission mattered","3. Original-to-corrected and dependent-effect crosswalk","Corrected B19 annotation","4. Requested-coverage table","5. Source-read and failure log","6. Preserved gaps and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R040/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"BoundedC087express524e-exception-and-necessary-dependentlinks","pending_corrections":0},{"key":"r049--pass-01","task":"R049","title":"California accord, satisfaction, and release","parent_title":"Written settlement agreements","edition":"pass-01","path":"/research/r049--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[49],"groups":["settlement"],"date":"2026-10-28","tables":14,"claims":101,"sources":34,"review_status":"scoped_coordinator_review_complete_with_OPEN_current_official_code_authentication_and_retained_holds","review_complete":true,"sha256":"025e10729b92f5812b9971e40935348bba2f8e531a25a3ce26d12c30dfdf7955","headings":["1. Result, source status, and limits","Reading conventions","2. Source register — R049-P1-S001+","2.1 Official originals, historical enactments, and official explanatory sources","2.2 Bounded reproductions actually read","3. Atomic claim register — R049-P1-C001+","3.1 Civil Code mechanisms and release scope","3.2 Commercial Code scope and instrument definitions","3.3 Burden, knowledge, exceptions, and reservation of rights","3.4 History, remaining predicates, and supplementary atoms","4. Provision-specific comparison","The unresolved Civil/Commercial interaction","5. Timing and event distinctions — no deadline calculation","6. Qualitative branch register and branch-level coverage","7. Wholly blank public-law evidence worksheet","8. Granular coverage and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit remaining gaps","10.1 Current official authentication","10.2 Civil Code §1526 / Commercial Code §3311 reconciliation","10.3 Definitions with further regimes behind them","10.4 Timing application","10.5 Actual legal effect and other A049 components","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R049/pass-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["settlement-negotiation","judgments-duration"]},"scope":"FirstCaliforniaCivCodeaccord/writtenrelease andCommercialCodeinstrumentaccordpublicstatutorycomponent","pending_corrections":0},{"key":"r050--pass-01","task":"R050","title":"California settlement judgment entry, retained jurisdiction, and settlement/dismissal administration","parent_title":"Settlement during or after litigation","edition":"pass-01","path":"/research/r050--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[50],"groups":["settlement"],"date":"2026-10-28","tables":11,"claims":72,"sources":19,"review_status":"reviewed_with_current_legal_originals_unverified_and_application_holds","review_complete":true,"sha256":"ca54e9bde70dcfdaf55ca2e68c0b670b3fe28180092d77fd6f6b681448e2e111","headings":["Reading and status conventions","1. Substantive findings","1.1 The version issue changes the analysis","1.2 Section 664.6 contains distinct mechanisms","1.3 The signature provisions do not eliminate authorization questions","1.4 Rule 3.1385 administers settlement notice and dismissal","1.5 Notice, dismissal, judgment, performance, and satisfaction remain separate","2. Source table","3. Atomic claim table","3.1 Version and statutory mechanisms","3.2 Reported 2026 special route and incorporated definition","3.3 Rule scope, notice, dismissal, and stated periods","3.4 Coverage and interpretive limits","4. Provision-specific comparison","5. Substantive qualitative branches and branch-level coverage","6. Wholly blank public-law evidence worksheet","7. Granular question-to-claim crosswalk and coverage table","8. Source-read and failure log","9. Explicit gaps and limits","G01 — Current statutory original","G02 — Complete amendment and effectiveness chain","G03 — Official rule and final amendment instrument","G04 — Standard 2.2 cross-reference","G05 — Notice signatures and complete form requirements","G06 — Questions requiring judicial interpretation","G07 — Facts and records remain entirely absent","G08 — Other procedural and substantive consequences remain held","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R050/pass-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["judgment","settlement"],"subject":["settlement-negotiation"]},"scope":"FirstCaliforniaCCPsettlementjudgment-entry/retentionandstatewidecourt-rule-notice-dismissalpubliclawcomponent","pending_corrections":0},{"key":"r060--pass-01","task":"R060","title":"Public federal district-court ADR statutory framework","parent_title":"Arbitration mediation and court resolution","edition":"pass-01","path":"/research/r060--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[60],"groups":["collections"],"date":"2026-10-28","tables":15,"claims":110,"sources":36,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"03b4f18557a3b99f3e8c7602323c0d227a0b8e2cac53ea003b0f6eb30ed0273e","headings":["1. Register conventions and source status","1.1 Official Code bodies","1.2 Enactments and historical instruments","1.3 National rules, published compensation action, and currentness controls","2. Substantive findings and atomic claim register","2.1 Source status, statutory scope, and program duties","2.2 Local rules, judicial directives, and national-rule authority","2.3 Neutrals, arbitrators, disqualification, and compensation","2.4 Current arbitration referral, subpoenas, award, judgment, and trial demand","2.5 Earlier arbitration framework and enactment transitions","3. Source-linked mechanism comparison","4. Measurement register","5. Conditional branches and branch-level coverage","6. Wholly blank audit worksheet","7. Numbered-question coverage and question-to-claim crosswalk","8. Source-read and failure log","9. Explicit gaps and researcher self-check","Remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R060/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["arbitration-adr"]},"scope":"Firstindependent28USC651-658federaldistrictcourtADRpublicstatutorycomponent","pending_corrections":0},{"key":"r072--pass-01","task":"R072","title":"FTC financial-privacy rule: selected scope, relationship categories, and definitions","parent_title":"Service contracts consent and privacy","edition":"pass-01","path":"/research/r072--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[72],"groups":["life"],"date":"2026-10-28","tables":18,"claims":95,"sources":16,"review_status":"reviewed_with_currentness_history_and_application_holds","review_complete":true,"sha256":"ca253fec6096fcb99578ae228f4d41ac2cb6d0a057c08ab117eefa9ea3677a4c","headings":["FTC financial-privacy rule: selected scope, relationship categories, and definitions","1. Source register","Reading and status conventions","2. Atomic claim register","2.1 Organization, jurisdiction, and incorporated statutory boundaries","2.2 Financial activity, degree of engagement, and product/service categories","2.3 Complete selected relationship and general definitions","2.4 Complete selected information definitions and qualifications","2.5 Examples, amendment history, and source limitations","3. Provision-specific comparisons","3.1 Category and jurisdiction comparison","3.2 Relationship comparison","3.3 Information comparison","4. Downstream authority map — identified, not substantively decided","5. Substantive conditional branches and their coverage","6. Measurement and trigger register","7. Wholly blank audit worksheet","8. Granular coverage and question-to-claim crosswalk","8.1 Numbered requests and material subquestions","8.2 Branch-level coverage crosswalk","9. Source-read and failure log","10. Explicit remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R072/pass-01","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["definitions-classification","privacy-data"]},"scope":"FirstindependentFTC16CFR313.1-313.3financialprivacydefinitionsandscopepubliccomponent","pending_corrections":0},{"key":"r073--pass-01","task":"R073","title":"Federal WARN: public statutory and regulatory findings, evidence registers, and blank worksheet","parent_title":"Job loss and unstable income","edition":"pass-01","path":"/research/r073--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[73],"groups":["life"],"date":"2026-10-28","tables":18,"claims":108,"sources":14,"review_status":"reviewed_with_source_history_and_application_holds","review_complete":true,"sha256":"996377e12106d13e3ace2a24887df09ceccedf81c5d686d9bcd9300210576203","headings":["Federal WARN: public statutory and regulatory findings, evidence registers, and blank worksheet","Register conventions","1. Source register","2. Substantive findings and atomic claim register","A. Organization, source status, employer and worker categories","B. Employment loss, transfers, sales, sites and covered events","C. Notice actor, recipients, content, delivery and changed events","D. Full exemptions and reduced-notice provisions","E. Enforcement, liability, offsets, discretion and other rights","F. Narrow incorporation findings and limits","3. Provision-specific mechanism comparison","4. Measurement register","A. Coverage and employment-loss measures","B. Notice and changed-event measures","C. Remedy and historical measures","D. Incorporated quantities kept separate from WARN","5. Substantive conditional branches","6. Wholly blank analytical evidence worksheet","7. Granular question-to-claim coverage crosswalk","8. Source-read and failure log","9. Explicit gaps and unresolved questions","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R073/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["employment-care-benefits","tools-forms-checklists"]},"scope":"FirstindependentFederalWARN29USC2101-2109and20CFR639publicframeworkcomponent","pending_corrections":0},{"key":"r074--pass-01","task":"R074","title":"Federal FMLA coverage, definitions, and leave-entitlement framework","parent_title":"Illness disability care and disasters","edition":"pass-01","path":"/research/r074--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[74],"groups":["life"],"date":"2026-10-28","tables":18,"claims":111,"sources":36,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"164e1a01d56ec3ea7dadae6d2eeabfa130d2ee61e30aa55d58867f4aa55bd8dc","headings":["Federal FMLA coverage, definitions, and leave-entitlement framework","1. Reading conventions and source register","1A. Current selected bodies and indispensable incorporated provisions","1B. Enacted and amendatory instruments actually examined","1C. Official interpretation and inaccessible guidance","2. Complete selected-body organization and reading map","3. Atomic claim register","3A. Source status, authority, and material history","3B. Coverage, counting, eligibility, and worksites","3C. Family, provider, disability, and benefit definitions","3D. Leave reasons, entitlement, periods, scheduling, and substitution","3E. Serious-health-condition boundaries","3F. Complete qualifying-exigency categories and downstream limits","4. Provision-specific comparison","5. Measurement register","6. Conditional branches","7. Wholly blank analytical evidence worksheet","8. Granular question coverage and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit unresolved issues and preserved holds","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R074/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["definitions-classification","employment-care-benefits"]},"scope":"FirstindependentFMLA29USC2611-2612and29CFR825100-115coverage-definitions-entitlementcomponent","pending_corrections":0},{"key":"r075--pass-01","task":"R075","title":"Federal Title II representative-payee coverage, capability, selection, designation, and notice/review","parent_title":"Older adults and benefit recipients","edition":"pass-01","path":"/research/r075--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[75],"groups":["life"],"date":"2026-10-28","tables":22,"claims":105,"sources":28,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"9c3dd621f849045be662f13126a721918734a1c5173caeb9df30b59c9450fcbb","headings":["Federal Title II representative-payee coverage, capability, selection, designation, and notice/review","Register conventions","1.1 Current statutory and regulatory bodies","1.2 Official generic instructions and ruling","1.3 Enacted and regulatory history instruments","What was not completed within §405(j)","3.1 Publication status, program boundary, and capability","3.2 Interim direct payment and substantial harm","3.3 Advance designation and selection preferences","3.4 Restrictions, disqualifications, and exceptions","3.5 Investigation, continued suitability, and later direct payment","3.6 Notice, objections, reconsideration, and review","3.7 Scope, differences, and history claims","4.1 Mechanism and authority comparison","4.2 Material wording differences and unresolved reconciliation","5.1 Current substantive and procedural measures","5.2 Historical application and publication measures","10.1 Successful reads and alternatives","10.2 Failed endpoints preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R075/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["liability-signers","employment-care-benefits"]},"scope":"First independent TitleII representative-payee capability selection notice-review public framework;20CFR4042001-2025 with narrow405j clauses","pending_corrections":0},{"key":"r076--pass-01","task":"R076","title":"Federal veterans-benefit apportionment framework","parent_title":"Military veterans and families","edition":"pass-01","path":"/research/r076--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[76],"groups":["life"],"date":"2026-10-28","tables":18,"claims":96,"sources":29,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"c1e413d4e1a6372ebda2aa04a6497b0dfa7d7380e2fd24bb6e6813b0e8e0df27","headings":["1. Findings and scope of this investigation","Access and evidentiary conventions","2. Source register","2.1 Current statutory, regulatory, and interpretive sources","2.2 Published amendment, historical, and failed-source readings","2.3 Exact subsidiary regulatory reading bounds","3. Atomic claim register","3.1 Source status, statutory authority, and the complete current core","3.2 Historical routes, relationships, dependency, and capacity","3.3 Institutional care, incarceration, restrictions, and amounts","3.4 Procedure, effective dates, amendment limits, and downstream boundaries","4. Provision-specific comparisons","4.1 Entitlement, route, hardship, recipient and amount","4.2 Procedure and downstream boundaries","5. Measurement register","5.1 Scope, relationships, historical benchmarks and institutional amounts","5.2 Incarceration, allocation and commencement","5.3 Claims, contested procedure, counting and amendment triggers","6. Substantive conditional branches","7. Wholly blank analytical evidence worksheet","8. Granular coverage and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R076/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["employment-care-benefits"]},"scope":"First independent federalVAapportionment38USC5307and38CFR3450-3461publicframework","pending_corrections":0},{"key":"r077--pass-01","task":"R077","title":"Federal Title IV nonattendance and withdrawal-return framework","parent_title":"Students young adults couples and parents","edition":"pass-01","path":"/research/r077--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[77],"groups":["life"],"date":"2026-10-28","tables":17,"claims":112,"sources":34,"review_status":"scoped_coordinator_review_completed_with_original_primary_history_currentness_application_holds","review_complete":true,"sha256":"991cc74cdec4a3619e53735d1a6a9a81bc6b2d805c63cb908021332294ba6051","headings":["Research status and controlling distinctions","Register conventions","1. Source register","Current statutory and regulatory bodies","Material adoption, application, and interpretive instruments","2. Substantive findings and atomic claim register","A. Scope, definitions, periods, and source status","B. Failure to begin attendance","C. Withdrawal classification, dates, leave, and modules","D. Earned aid, bases, charges, responsibility, and protection","E. Post-withdrawal disbursement and downstream boundaries","F. Adoption, conflicts, and currentness findings","3. Provision-specific comparison","4. Complete measurement register for quantities relied on","A. Return, withdrawal, earned-aid, and notice measurements","B. Version, enactment, and application-date measurements","5. Conditional legal-category branches","6. Wholly blank analytical evidence worksheet","7. Granular question coverage and question-to-claim crosswalk","8. Source-read and failure log","9. Explicit unresolved issues and downstream holds","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R077/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["tuition"],"stage":[],"subject":["education-programs"]},"scope":"IndependentpublicTitleIVnonattendanceandwithdrawalreturnframework34CFR66821-22and20USC1091b","pending_corrections":0},{"key":"r078--pass-01","task":"R078","title":"Federal ADA Title II effective-communication framework","parent_title":"Underserved audiences and access","edition":"pass-01","path":"/research/r078--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[78],"groups":["life"],"date":"2026-10-28","tables":13,"claims":78,"sources":17,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"d0586278b1501edc2a54610228406e9734c9ff1aeac9c92fad78d291cbda8222","headings":["Federal ADA Title II effective-communication framework","Reference convention","1. Source register and actual read boundaries","2. Atomic claim register","A. Statutory scope, authority, and indispensable definitions","B. Communication duties, aids, assistance, and exceptions","C. Legal effect, history, and source-status limits","3. Provision-specific comparisons","Three interpretation distinctions that should remain visible","4. Complete relied-on measurement and timing register","5. Substantive conditional branches","6. Wholly blank analytical worksheet","7. Granular requested-coverage table and question-to-claim crosswalk","Precise downstream pointers retained as unexamined boundaries","8. Source-read and failure log","9. Remaining gaps","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R078/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["accessibility"]},"scope":"IndependentADATitleIIeffectivecommunication28CFR35160-164plusnarrowstatutoryscope","pending_corrections":0},{"key":"r079--pass-01","task":"R079","title":"Federal Adult Protective Services regulatory framework","parent_title":"Abuse fraud and addiction related debt","edition":"pass-01","path":"/research/r079--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[79],"groups":["life"],"date":"2026-10-28","tables":17,"claims":97,"sources":27,"review_status":"scoped_coordinator_APS_review_complete_timing_authority_currentness_history_application_parent_holds","review_complete":true,"sha256":"9874c5e44a27123b369463b89167c3a7209e3b20b9cab56091df1f41e681c9f3","headings":["Federal Adult Protective Services regulatory framework","1.1 Reading and status conventions","Regulatory bodies: one instrument, section-specific entries","Statutes, adopting instruments and bounded interpretations","2.1 Organization, status and institutional scope","2.2 Definitions and classification boundaries","2.3 Authority, administration, rights and response","2.4 Conflicts, reports, coordination, data and State plans","2.5 Statutory funding, evaluation and remedies boundaries","2.6 Transition, amendment history and limits of the mechanism","8.1 Successful reads","8.2 Failed or limited endpoints"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R079/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Independent public federal APS45CFR1324.400-.408 plus narrow indispensable statutory authority","pending_corrections":0},{"key":"r080--pass-01","task":"R080","title":"Federal financial-literacy and education statutory framework","parent_title":"Debt psychology and behavior","edition":"pass-01","path":"/research/r080--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[80],"groups":["life"],"date":"2026-10-28","tables":15,"claims":74,"sources":19,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"3313effea071179c3119ba5c3bbb9b1a4c29a9adc1a78063ac2d327abf79445d","headings":["Federal financial-literacy and education statutory framework","1. Source register","Reading conventions","A. Selected current statutory bodies","B. Enactments, narrow incorporations, commencement instruments, and explanation","2. Atomic claim register","A. Organization, definitions, history, and source status","B. Commission establishment, membership, administration, and powers","C. Educational subjects, public information, strategy, and reports","D. Studies, campaign, resources, and inference limits","3. Provision-specific comparison","4. Measurement and timing register","A. Institutional requirements and study measures","B. Enactment, transition, and source-status dates","5. Conditional legal-category branches and branch-level coverage","6. Wholly blank analytical worksheet","7. Granular requested-coverage table","8. Source-read and failure log","9. Explicit remaining gaps","A. Legal and source-status gaps","B. Missing evidence for remaining A080 dimensions","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R080/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Independent institutional financial-literacy20USC9701-9708 public statutory component; empirical and clinical dimensions held","pending_corrections":0},{"key":"r081--pass-01","task":"R081","title":"Federal impersonation and false-affiliation framework: 16 CFR Part 461","parent_title":"Provider research and comparison","edition":"pass-01","path":"/research/r081--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[81],"groups":["industry"],"date":"2026-10-28","tables":15,"claims":53,"sources":12,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"0e521fef6003d1128ef60e10ea29f3ac2df2374544b2aa3ff4b84e861c7272bc","headings":["Federal impersonation and false-affiliation framework: 16 CFR Part 461","1. Source register and exact reading boundaries","2. Substantive findings and atomic claim register","A. Organization, version and publication status","B. Defined categories, incorporations and jurisdiction boundaries","C. Complete operative prohibitions","D. Statutory authority, qualifications and legal effect","E. Official interpretive explanations, separately identified","F. Individual impersonation, suppliers and later rulemaking status","G. Source discrepancies and limits on conclusions","3. Provision-specific comparison for generic provider-research methodology","4. Complete register of quantities and dates relied on","5. Conditional legal-category branches","6. Wholly blank analytical evidence worksheet","7. Granular coverage and question-to-claim crosswalk","8. Source-read and failure log","9. Explicit unresolved questions and scope holds","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R081/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["identity-fraud"]},"scope":"Independent public16CFRPart461impersonation-government-business/false-affiliation framework; noactualproviders/remainingA081held","pending_corrections":0},{"key":"r082--pass-01","task":"R082","title":"Federal Guides Against Bait Advertising","parent_title":"Business models and incentives","edition":"pass-01","path":"/research/r082--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[82],"groups":["industry"],"date":"2026-10-28","tables":13,"claims":55,"sources":13,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"fbbade6b1a31ee190e99317fb408a6325a8d4c1aaa8080ce5d57b18d57a18617","headings":["Findings and scope of this pass","Access and evidentiary boundaries","1. Source register","2. Complete Part 238 inventory and terminology","2.1 Actual organization","2.2 Defined, used, and absent terms","3. Atomic claim register","3.1 Publication, statutory authority, and interpretive status","3.2 Definition, initial offer, and discouragement practices","3.3 Post-sale practices, scope limits, and history","4. Provision-specific comparisons","5. Complete measurement and sequence register","6. Conditional legal-category branches","7. Wholly blank analytical evidence worksheet","8. Granular requested-coverage table and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R082/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Independent public16CFRPart238bait-advertising guide status/conduct/incentive component;actualarrangements/A082held","pending_corrections":0},{"key":"r083--pass-01","task":"R083","title":"Federal disposal of consumer report information: 16 CFR Part 682","parent_title":"Service operations and technology","edition":"pass-01","path":"/research/r083--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[83],"groups":["industry"],"date":"2026-10-28","tables":12,"claims":67,"sources":22,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"987bc407dc8bcb45b17c841ec9f2de78db2c3943126405ad808389e1bf123298","headings":["Federal disposal of consumer report information: 16 CFR Part 682","1. Source register","2. Atomic claim register and substantive findings","A. Current organization and incorporated definitions","B. Consumer information, disposal and the operative standard","C. Enforcement allocation and the narrow Safeguards comparison","D. Adoption, application, discrepancies and currentness","3. Provision-specific comparisons","4. Measurement register","5. Conditional legal-category branches","6. Wholly blank analytical worksheet","7. Granular coverage and question-to-claim crosswalk","8. Source-read and failure log","9. Explicit gaps and held dimensions","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R083/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["privacy-data"]},"scope":"Independent public16CFRPart682consumer-report-information disposal rule; noactualdata/disposal/vendor/compliance/remainingA083held","pending_corrections":0},{"key":"r084--pass-01","task":"R084","title":"Federal equal-contract rights under 42 U.S.C. § 1981 and selected enactment history","parent_title":"History ethics and public policy","edition":"pass-01","path":"/research/r084--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[84],"groups":["industry"],"date":"2026-10-28","tables":14,"claims":62,"sources":8,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"d14cb4b52b44a67f403b421a0142ea7897ffc43b62f9b0c7facafc762afa2ea5","headings":["Federal equal-contract rights under 42 U.S.C. § 1981 and selected enactment history","Reading conventions","1. Source register","2. Atomic claim register","2.1 Current § 1981: organization, rights, definition, and actor language","2.2 Historical text and allocation","2.3 The 1991 amendment, application clauses, and policy","2.4 Limits, source status, and non-inferences","3. Provision-specific statutory-history and policy comparison","4. Separate-regime and remedy boundaries","5. Measurement register","6. Conditional legal-category branches and branch-level coverage","7. Wholly blank analytical worksheet","8. Granular question-to-claim coverage","9. Source-read and failure log","10. Explicit remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R084/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["agreements-disclosures","policy-history"]},"scope":"Independent public42USC1981equal-contract-rights statutory framework and selected1866/1991enactment history; allactualcontracts/discrimination/remedies/remainingA084held","pending_corrections":0},{"key":"r085--pass-01","task":"R085","title":"OMB Standards and Guidelines for Statistical Surveys: findings and evidence","parent_title":"Research quality and outcomes","edition":"pass-01","path":"/research/r085--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[85],"groups":["industry"],"date":"2026-10-28","tables":17,"claims":96,"sources":19,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"960aa06896871e1140c25f8993a9ec5a5401454cc3351fccda44e0f65476941c","headings":["OMB Standards and Guidelines for Statistical Surveys: findings and evidence","1. Source register","Register conventions","A. Substantive authorities and official publication records","B. Failed or non-body endpoints","2. Complete instrument inventory","3. Atomic claim register and substantive findings","A. Status, authority and applicability","B. Necessary concepts and population distinctions","C. Planning, design, collection and nonresponse","D. Processing, missingness, estimation and uncertainty","E. Analysis, review, documentation and dissemination","F. Cognitive-interview addendum and boundaries","4. Source-linked comparisons","A085 outcome-quality questions specifically","5. Measurement register","Why there is no numerical illustration","6. Conditional evidence-category branches","7. Wholly blank analytical worksheet","8. Granular question-to-claim coverage and crosswalk","9. Source-read and failure log","10. Explicit unresolved matters and research boundaries","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R085/pass-01","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Independent publicOMBstatistical-survey quality standards methodology; noactualsurveys/data/studies/causaleffect/remainingA085held","pending_corrections":0},{"key":"r086--pass-01","task":"R086","title":"Federal economic-indicator compilation, release and evaluation policy","parent_title":"Statistics and economy","edition":"pass-01","path":"/research/r086--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[86],"groups":["industry"],"date":"2026-10-28","tables":17,"claims":84,"sources":11,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"e29675823eb430c7f436aa4da675f20197b9cb5cd1ce6a98c08f971c1d6943ef","headings":["1. Result, scope, and evidence boundary","Research boundaries","2. Source register","Reading and status conventions","Table 1A. Directive and revision publications","Table 1B. Narrow statutory authority and reporting incorporation","3. Actual organization of the operative directive","Table 2. Complete directive inventory","4. Atomic claim register","Table 3A. Identity, authority, definitions, and coverage","Table 3B. Prompt release, scheduling, and method-change announcements","Table 3C. Release form, prerelease access, and commentary","Table 3D. Preliminary figures, revisions, exceptions, and evaluation","Table 3E. Reporting qualification, history, and interpretive boundaries","5. Provision-specific comparisons","Table 4. Comparison of concepts, duties, and limits","6. Complete measurement register","Table 5A. Operative quantities and qualitative timing conditions","Table 5B. Publication, historical, effective, and compilation dates","7. Conditional evidence-category branches","Table 6. Substantive branches and branch-specific coverage","8. Wholly blank analytical worksheet","Table 7. Blank worksheet","9. Granular requested-coverage table","Table 8. Question-to-claim coverage","10. Source-read and failure log","Table 9. Complete material access log","11. Explicit gaps and preserved boundaries","Table 10. Remaining gaps","12. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R086/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["settlement","resolution"],"subject":["policy-history"]},"scope":"Independent publicOMBStatisticalPolicyDirective3economic-indicator compilation-release-evaluation framework; noactualreleases/data/forecasts/remainingA086held","pending_corrections":0},{"key":"r087--pass-01","task":"R087","title":"Federal Rule of Civil Procedure 4, Summons","parent_title":"Decision guides and visitor pathways","edition":"pass-01","path":"/research/r087--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[87],"groups":["practical"],"date":"2026-10-28","tables":14,"claims":85,"sources":17,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"f45b2f2fbe4423d0477611c220d24efe8bcf3bb816a59a2a00e22d6336874e64","headings":["1. Identified text, scope, and currentness","Complete Rule 4 inventory","2. Source register — R087-P1-S001 onward","3. Atomic claim register and substantive findings","A. Authority, applicability, and amendment status","B. Summons, issuance, responsibility, and waiver","C. Recipient categories and methods","D. Jurisdiction, proof, service period, and property","E. Indispensable response, computation, and emergency boundaries","4. Provision-specific comparison for generic document analysis","5. Complete relied-on measurement register","6. Conditional evidence-category branches","7. Wholly blank analytical worksheet","8. Granular question-to-claim coverage and crosswalk","9. Source-read and failure log","10. Explicit unresolved boundaries","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R087/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["court-entry-service"]},"scope":"IndependentpublicFRCPRule4summons-service-document-routingcomponent;allactualdocuments-cases-service-facts-Statepractice-andremainingA087held","pending_corrections":0},{"key":"r088--pass-01","task":"R088","title":"Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures","parent_title":"Calculators and comparison tools","edition":"pass-01","path":"/research/r088--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[88],"groups":["practical"],"date":"2026-10-28","tables":18,"claims":100,"sources":15,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"9b65456a1516f6ebf2443b6b82479bd6979f5f0fb6dcefb487fecc7a5e6d984a","headings":["Appendix M1 to 12 CFR Part 1026 — Repayment Disclosures","1. Source register","2. Actual organization and scope of the calculation framework","3. Atomic claim register","3A. Source status, authority, definitions, and disclosure applicability","3B. Complete M1 calculation instructions","3C. Linked sample, official interpretations, and ancillary information duties","3D. Adoption history and remaining legal/method limits","4. Source-to-method specification and plain-text formulas","4.1 Definitions used in the transcriptions","F01 — Minimum-payment duration and total cost","F02 — M2’s periodic-rate, weighting, and equal-payment illustration","F03 — M2’s minimum-payment loop, as written","F04 — Cost comparison and savings sequence","F05 — Duration display and the two duration-accuracy routes","F06 — Thirty-six-month payment tolerance","5. Provision-specific comparison","6. Complete measurement register","6A. Operative calculation and disclosure quantities","6B. Source illustrations and sample-code quantities","6C. Version, publication and application measurements","7. Conditional branches and branch-level coverage","8. Wholly blank analytical worksheet","9. Granular question-to-claim coverage","10. Source-read and failure log","10A. Successful and bounded readings","10B. Exact failures and visual-access limits","11. Explicit unresolved gaps","12. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R088/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"IndependentpublicRegZAppendixM1repayment-disclosure-calculationinstructions;noactualaccount-calculator-decisions-orremainingA088held","pending_corrections":0},{"key":"r089--pass-01","task":"R089","title":"Official Form 410, its official instructions, and Federal Rule of Bankruptcy Procedure 3001","parent_title":"Letters scripts forms and checklists","edition":"pass-01","path":"/research/r089--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[89],"groups":["practical"],"date":"2026-10-28","tables":15,"claims":100,"sources":22,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"e9d495e779dc1d3e0f0c60db8c43b79540b1abc5dec347923994d705574a4514","headings":["Official Form 410, its official instructions, and Federal Rule of Bankruptcy Procedure 3001","1. Source register","1.1 Core form, instructions, rules, and adoption instruments","1.2 Narrow statutory and adjustment authorities","2. Atomic claim register and substantive findings","2.1 Version, legal force, and application","2.2 Indispensable legal categories","2.3 Complete Rule 3001: current operative text","2.4 Complete Form 410 annotation: every item and material instruction","2.5 Indispensable supporting rules, privacy, and remaining status boundaries","3. Provision-specific comparisons","4. Complete measurement register for quantities relied on","5. Conditional legal-category branches","6. Wholly blank analytical reference worksheet","7. Granular coverage and question-to-claim crosswalk","8. Source-read and failure log","8.1 Successful reads and bounded alternatives","8.2 Failed or unavailable access","9. Explicit gaps and exact boundaries","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R089/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency","tools-forms-checklists"]},"scope":"IndependentpublicOfficialForm410-instructions-currentRule3001component;allactualfilings-andremainingA089held","pending_corrections":0},{"key":"r090--pass-01","task":"R090","title":"Federal housing-counseling program approval and reapproval: bounded public-law investigation","parent_title":"Directories of legitimate help","edition":"pass-01","path":"/research/r090--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[90],"groups":["practical"],"date":"2026-10-28","tables":18,"claims":112,"sources":25,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"3bd0d29d76076b683de9daa2f74b9fe6caa8cf1098ccf40afbaa2f969faf68c7","headings":["Federal housing-counseling program approval and reapproval: bounded public-law investigation","Reading conventions","1. Actual organization and selected reading boundary","2. Source register","2A. Current regulatory and statutory sources","2B. Adopted history and bounded alternatives","3. Atomic claim register","3A. Source status, authority, scope, and definitions","3B. Approval criteria—complete selected mapping","3C. Application, decision, inactive status, termination, and reapproval","3D. Narrow outside-subpart incorporations and statutory qualification","3E. Adopted history, textual anomalies, and limits","4. Provision-specific comparisons","5. Measurement register","5A. Operational quantities and triggers","5B. Source dates, transition dates, and non-operational counts","6. Conditional legal-category branches","7. Wholly blank analytical reference worksheet","8. Granular coverage and question-to-claim crosswalk","9. Source-read and failure log","9A. Successful reading record","9B. Exact failed or limited endpoints","10. Explicit remaining gaps and researcher self-check","10A. Remaining gaps","10B. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R090/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["counseling-dmp","help-directories"]},"scope":"Independentpublic24CFR214SubpartsA-B-C-approvalframework;actualparticipants-andSubpartD-feecomponent-andremainingA090held","pending_corrections":0},{"key":"r090--pass-02","task":"R090","title":"Bounded authentication supplement: 12 U.S.C. § 1701x-1, home-inspection counseling","parent_title":"Directories of legitimate help","edition":"pass-02","path":"/research/r090--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[90],"groups":["practical"],"date":"2026-10-28","tables":15,"claims":48,"sources":10,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"36b4ebc8d2f4ac72365e8f4b7a1381741baa63fe71f4136dccc1e6a7c564c401","headings":["Bounded authentication supplement: 12 U.S.C. § 1701x-1, home-inspection counseling","Reading conventions","1. Source register and successful-read log","2. Atomic claim register and complete provision map","2.1 Source identity and comparison limits","2.2 Section 1701x-1: every operative subdivision","2.3 Adopted commencement, designation, and construction clauses","2.4 Narrow regulatory connection and legal-effect limits","3. Concise provision-specific comparison","4. Exact reconciliation with the supplied immutable pass-01 rows","5. Complete relied-on quantity, date, unit, and trigger register","6. Substantive conditional legal-category branches","7. Source-read, failure, and alternative-access log","7.1 Successful and bounded reads","7.2 Exact failed or incomplete endpoints","8. Granular numbered-question coverage and question-to-claim crosswalk","9. Remaining gaps and exact next permissible public-law inquiries","10. Wholly blank analytical reference worksheet","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R090/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["counseling-dmp"]},"scope":"Narrow documented public-source authentication gap from reviewed pass-01; no whole report rerun.","pending_corrections":0},{"key":"r090--pass-03","task":"R090","title":"Section-specific commencement of P.L. 111-203 § 1451 / 12 U.S.C. § 1701x-1","parent_title":"Directories of legitimate help","edition":"pass-03","path":"/research/r090--pass-03/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[90],"groups":["practical"],"date":"2026-10-28","tables":14,"claims":35,"sources":11,"review_status":"reviewed_with_commencement_currentness_and_application_holds","review_complete":true,"sha256":"62bf8be8fedcd7598ed37dbbca428bfd5770af3cdd54ab3a2a59ce52a13303e1","headings":["Section-specific commencement of P.L. 111-203 § 1451 / 12 U.S.C. § 1701x-1","Reading conventions","1. Source register","2. What the commencement framework establishes","Atomic claim register: framework and designation","3. What the publication search added","Atomic claim register: candidate publications and bounded conclusion","4. Meaningful comparison of the evidence","5. Exact old/new reconciliation","5.1 Claims and gap","5.2 Supplied source bounds","6. Complete relied-on measurement and event register","7. Search scope, exact queries, and source-read/failure log","7.1 Databases and interfaces actually examined","7.2 Exact query log","7.3 Complete source-read and failure log","8. Substantive conditional legal-category branches","9. Wholly blank analytical worksheet","10. Granular requested-coverage table","11. Remaining gaps and researcher self-check","11.1 Exact remaining gaps","11.2 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R090/pass-03","facets":{"geography":["us"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service","policy-history"]},"scope":"Reviewed remaining1451/1400(c) public final-rule issuance/commencement predicate only","pending_corrections":0},{"key":"r091--pass-01","task":"R091","title":"Federal larger-participant consumer-debt-collection supervision criteria","parent_title":"Creditor collector and buyer profiles","edition":"pass-01","path":"/research/r091--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[91],"groups":["practical"],"date":"2026-10-28","tables":18,"claims":96,"sources":21,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"84797f148cd85f17e1140e22a1659d8a55bc57ad90101281205202ca8e8e0418","headings":["Federal larger-participant consumer-debt-collection supervision criteria","1. Source register and authentication bounds","Reading conventions","A. Current regulatory and statutory bodies","B. Enactment, adoption, amendment, and later-status instruments","2. Substantive findings and atomic claim register","A. Organization, legal status, and historical application","B. Covered-person, consumer, product/service, and affiliation definitions","C. The consumer-debt-collection market and its exclusions","D. Receipts, accounting periods, aggregation, and the threshold","E. Continuing status and the complete selected challenge procedure","F. Supervision authority, confidentiality, and limits of legal effect","3. Provision-specific comparisons","4. Complete measurement register for quantities relied on","A. Operative measures and procedural periods","B. Historical application, publication, and currency measures","5. Conditional legal-category branches","6. Wholly blank analytical reference worksheet","7. Granular question-to-claim and coverage crosswalk","8. Source-read and failure log","Completed and bounded reads","Failed or limited endpoints","9. Explicit unresolved matters and scope holds","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R091/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":["collection"],"subject":["company-market-research"]},"scope":"Independentpubliclarger-participantconsumer-debt-collectionsupervisioncriteria;allactualorganizations/profiles-andremainingA091held","pending_corrections":0},{"key":"r091--pass-02","task":"R091","title":"Bounded source-authentication supplement","parent_title":"Creditor collector and buyer profiles","edition":"pass-02","path":"/research/r091--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[91],"groups":["practical"],"date":"2026-10-28","tables":11,"claims":28,"sources":6,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"67c2bbea6ac6be7cef0d5f93e3045b719ae6fdc6eacceeeb037277e0c74a1c36","headings":["1. Source register","2. Atomic claim register","3. Exact operation and version comparison","3.1 Four operations in the original correction","3.2 Original → corrected → subsequent adopted text → current compilation","4. Material-change crosswalk against the immutable pass-01 rows","5. Measurement, date, operation, and unknown-event register","6. Conditional legal-category branches","7. Wholly blank analytical worksheet","8. Granular coverage and question-to-claim crosswalk","9. Complete source-read and failure log","10. Specific remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R091/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Narrow documented public-source authentication gap from reviewed pass-01; no whole report rerun.","pending_corrections":0},{"key":"r091--pass-03","task":"R091","title":"Literal statutory reference in 12 CFR 1070.2(i)(4)","parent_title":"Creditor collector and buyer profiles","edition":"pass-03","path":"/research/r091--pass-03/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[91],"groups":["practical"],"date":"2026-10-28","tables":12,"claims":25,"sources":9,"review_status":"reviewed_with_numerical_repair_history_incorporation_and_application_holds","review_complete":true,"sha256":"d30616ddede870de45daaab9e42cf9bc10b4ec9a3e3f923ec6fd29f750ffd6ef","headings":["1. Source register","2. Atomic claim register and substantive findings","A. Current definition and indispensable context","B. Adoption, explanation, statutes and limits","3. Version and instruction comparison","The precise unresolved legal question","4. Exact old/new material-change crosswalk","5. Measurement, date, operation and unknown-event register","6. Substantive conditional branches","7. Wholly blank analytical worksheet","8. Granular question-to-claim coverage","9. Source-read and failure log","10. Specific remaining gaps and exact next inquiries","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R091/pass-03","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Distinct reviewed remaining literal1070.2(i)(4)5414reference/adopted-source-history; not Part1090/pass02 rerun","pending_corrections":0},{"key":"r092--pass-01","task":"R092","title":"Bankruptcy-related discriminatory treatment: 11 U.S.C. § 525","parent_title":"Life after resolution","edition":"pass-01","path":"/research/r092--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[92],"groups":["practical"],"date":"2026-10-28","tables":17,"claims":76,"sources":14,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"a69590e93c4997de861939e284ae3381fa0389f4df2b2a3ffcdc884be6f690bd","headings":["Bankruptcy-related discriminatory treatment: 11 U.S.C. § 525","Reading key","1. Source register","2. Complete statutory comparison","3. Atomic claim register","3A. Organization, construction, and indispensable definitions","3B. Governmental actions, reasons, and exceptions","3C. Private employment and student-financing provisions","3D. Legal effect, process, and remedy limits","3E. History, application, and source-status claims","4. Enactment and application comparison","5. Additional substantive comparisons and boundaries","6. Measurement and legal-sequence register","7. Conditional branches and branch-level coverage","8. Wholly blank analytical reference worksheet","9. Granular question-to-claim coverage","10. Complete source-read and failure log","10A. Successful readings and bounded discovery","10B. Failed endpoints and viewer-only results","11. Explicit remaining gaps and researcher self-check","Remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R092/pass-01","facets":{"geography":["us"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"Deepenunresolvedpublic525complete-clauses-definitions-history;earlierR038overviewnotfoundation/allactualfacts-andremainingA092held","pending_corrections":0},{"key":"r092--pass-02","task":"R092","title":"Bounded source-authentication and transition supplement","parent_title":"Life after resolution","edition":"pass-02","path":"/research/r092--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[92],"groups":["practical"],"date":"2026-10-28","tables":14,"claims":32,"sources":8,"review_status":"reviewed_with_original_publication_currentness_incorporation_and_application_holds","review_complete":true,"sha256":"6253b40d84c469e0105083aeab9d3a5153522b9962b8e08dea178febfdf6e00a","headings":["Bounded source-authentication and transition supplement","1. Source register","What the source distinction resolves","2. Atomic claim register","2.1 Source status and the described 1984 addition","2.2 Narrow present-text comparison","2.3 Compiled application clause and its exceptions","2.4 Directly authenticated renumbering and its effects","3. Substantive version and operation comparison","4. Exact old/new crosswalk","5. Measurement, date, sequence and trigger register","6. Conditional legal-category and evidence branches","7. Wholly blank analytical reference worksheet","8. Granular requested-coverage table","9. Complete source-read and failure log","10. Specific remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R092/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["research-quality","policy-history"]},"scope":"Reviewedremaining originalPL98-353§309/applicationandrenumbering gap only","pending_corrections":0},{"key":"r093--pass-01","task":"R093","title":"Federal Information-Quality Guidelines","parent_title":"Research and editorial standards","edition":"pass-01","path":"/research/r093--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[93],"groups":["practical"],"date":"2026-10-28","tables":12,"claims":110,"sources":19,"review_status":"reviewed_with_bounded_supplement_and_remaining_holds","review_complete":true,"sha256":"cb189932e148568bd157a97e69871f68cba13adb33c9e4f7e81c228fc452a8dc","headings":["1. Authenticated source register","2. Substantive findings and atomic claim register","A. Instrument, authority, actors, and dissemination","B. Quality, objectivity, transparency, reproducibility, and review","C. Correction, reconsideration, timing, reporting, and implementation","D. Clarification, legal effect, later instruments, and unresolved boundaries","3. Provision-specific comparisons","4. Complete measurement and date register","5. Conditional legal-category branches","6. Wholly blank analytical reference worksheet","7. Granular coverage and question-to-claim crosswalk","8. Source-read and failure log","9. Explicit unresolved issues and boundaries","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R093/pass-01","facets":{"geography":["us","us-federal"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Publicfederalinformation-qualityguidelines-complete-selectedframework;priorR085C016explicitseparateregimeunexamined/notfoundation;allactual/editorial/A093held","pending_corrections":0},{"key":"r093--pass-02","task":"R093","title":"Bulletin timing correction and source reconciliation","parent_title":"Research and editorial standards","edition":"pass-02","path":"/research/r093--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[93],"groups":["practical"],"date":"2026-10-28","tables":11,"claims":30,"sources":7,"review_status":"reviewed_with_timing_source_and_application_holds","review_complete":true,"sha256":"89a9b1f3f12376495363f15fcf0acd918c34ca41944330b4db77b50dd7554a51","headings":["1. Source register","2. Substantive reconciliation","2.1 What the sources establish","2.2 Side-by-side timing and category comparison","2.3 What the official explanations add—and leave open","3. Atomic claim register","4. Exact five-row old/new crosswalk","5. Complete relied-on measurement and unknown-event register","6. Conditional legal-category branches","7. Wholly blank analytical worksheet","8. Granular coverage and question-to-claim crosswalk","9. Complete read, search and failure log","9.1 Public-source reads and access results","9.2 Bounded searches for the precise timing relationship","10. Remaining gaps and researcher self-check","Specific remaining gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R093/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"OnlyreviewedR093-P1-COORD-01bulletinexplicitDATESversusoperativeXItimingreconciliation/correction","pending_corrections":0},{"key":"r094--pass-01","task":"R094","title":"Federal bankruptcy subordination: current statutory text, incorporated boundaries, and selected enactment history","parent_title":"Corporate debt and capital structure","edition":"pass-01","path":"/research/r094--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[94],"groups":["global"],"date":"2026-10-28","tables":14,"claims":84,"sources":18,"review_status":"reviewed_with_selected_source_and_application_holds","review_complete":true,"sha256":"0727ac69ead86f859fc3aca0f2ed3177b34f2d31c9e915b638316a33e4e4cde8","headings":["Federal bankruptcy subordination: current statutory text, incorporated boundaries, and selected enactment history","1. Substantive findings","1.1 Agreement recognition is conditional","1.2 The security-related branch has distinct claim categories and an exact comparator","1.3 Allowance, reimbursement, contribution, and subrogation remain different questions","1.4 Equitable subordination and lien transfer are separately stated powers","1.5 “After notice and a hearing” does not invariably require an actual hearing","2. Source register","3. Atomic claim register","3.1 Organization, applicability, and basic categories","3.2 Affiliate, security, and incorporated instrument boundaries","3.3 Security interests, construction rules, and the three § 510 branches","3.4 Allowance, subrogation, property, and confirmation boundaries","3.5 Enactment, application, source status, and outcome limits","4. Provision-specific comparison","5. Measurement and temporal-boundary register","6. Conditional branch register and branch-level coverage","7. Wholly blank analytical reference worksheet","8. Granular numbered-question coverage and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit remaining gaps","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R094/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["corporate_debt"],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency","policy-history"]},"scope":"Completepublic11USC510subordination-definitions-history/effect;allactualclaims-contracts-capitalstructures-andA094held","pending_corrections":0},{"key":"r094--pass-02","task":"R094","title":"The § 103(e)/(f) redesignation and retained references in §§ 901(b) and 902","parent_title":"Corporate debt and capital structure","edition":"pass-02","path":"/research/r094--pass-02/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[94],"groups":["global"],"date":"2026-10-28","tables":16,"claims":25,"sources":5,"review_status":"reviewed_with_history_construction_and_application_holds","review_complete":true,"sha256":"0eebcc50e9ca67d624af2e1f0b57e5b460c838cdaf3215239d7c515949620563","headings":["The § 103(e)/(f) redesignation and retained references in §§ 901(b) and 902","1. Source register","Source-status limit","2. Substantive findings","2.1 The current literal references remain visible","2.2 The original publication authenticates two separate commands","2.3 Enactment is authenticated; broader application is not inferred","2.4 The selected later correction lead does not resolve the retained references","3. Atomic claim register","4. Current/editorial/original comparison","5. Exact five-row old/new crosswalk","6. Measurement, date, sequence, and trigger register","7. Conditional legal-category branches","8. Wholly blank analytical reference worksheet","9. Read, search, and failure log","9.1 Exact external searches","9.2 Within-document searches and navigation","9.3 Source-read and failure record","10. Granular requested-coverage table","11. Remaining gaps and researcher self-check","11.1 Remaining gaps","11.2 Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R094/pass-02","facets":{"geography":["us"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedremaining103(e)/(f) originalredesignationand901/902retainedreference history; noerrorpresumed","pending_corrections":0},{"key":"r095--pass-01","task":"R095","title":"Federal financial-asset transfer, securitization, and participation framework","parent_title":"Financial market and institutional debt","edition":"pass-01","path":"/research/r095--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[95],"groups":["global"],"date":"2026-10-28","tables":18,"claims":109,"sources":19,"review_status":"scoped_coordinator_review_completed_with_original_incorporation_history_currentness_application_holds","review_complete":true,"sha256":"073f3dfb2479b1ac6451f04b4048be8a2db7d2ec5f61658b0fd89df41873fe06","headings":["1. Actual organization of § 360.6","2. Source register","2.1 Current regulation and adopted regulatory history","2.2 Statutory authority and bounded incorporations","3. Substantive findings and atomic claim register","3.1 Source status, scope, and definitions","3.2 Complete securitization conditions in paragraphs (b) and (c)","3.3 Operative protections, consent, and preserved powers","3.4 Indispensable statutory boundaries","3.5 Historical and currentness claims","3.6 Boundaries of the resulting legal findings","4. Mechanism comparison","5. Measurement register","5.1 Substantive thresholds and relationships","5.2 Publication, adoption, effectiveness, and access dates","6. Conditional legal-category branches","7. Wholly blank analytical reference worksheet","8. Granular coverage and question-to-claim crosswalk","9. Source-read and failure log","10. Explicit gaps and exact next-authority boundaries","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R095/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["institutional_finance"],"stage":[],"subject":["ownership-transfer"]},"scope":"Completepublic12CFR360.6financialasset-transfer-securitization-participation-framework;allactual-andA095held","pending_corrections":0},{"key":"r096--pass-01","task":"R096","title":"A096 — Selected federal borrowing authority under 31 U.S.C. § 3102","parent_title":"Government and sovereign borrowing","edition":"pass-01","path":"/research/r096--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[96],"groups":["global"],"date":"2026-10-28","tables":13,"claims":74,"sources":19,"review_status":"reviewed_with_published_target_discrepancy_history_currentness_and_application_holds","review_complete":true,"sha256":"ed0f3cd4cc7fee6d23607cd54fd362cd7dda7cc90afb94ffc45dec3e7b6094d5","headings":["A096 — Selected federal borrowing authority under 31 U.S.C. § 3102","1. Source register","2. Atomic claim register","2.1 Complete § 3102 body","2.2 Indispensable incorporations and their limits","2.3 Codification, adopted changes and application history","3. Provision-specific comparisons","4. Measurement and temporal register","5. Conditional legal-category branches","6. Wholly blank analytical reference worksheet","7. Granular question coverage and crosswalk","8. Source-read and failure log","8.1 Successful readings and their boundaries","8.2 Failed or incomplete endpoints","8.3 Exact remaining legal and source gaps","9. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R096/pass-01","facets":{"geography":["us","us-federal"],"debt_type":["sovereign_borrowing"],"stage":[],"subject":[]},"scope":"Completepublic31USC3102federalborrowing-authority-definitions-history-effect;allactual-andA096held","pending_corrections":0},{"key":"r097--pass-01","task":"R097","title":"UN General Assembly resolution 70/186 and the United Nations guidelines for consumer protection","parent_title":"Consumer debt outside the US","edition":"pass-01","path":"/research/r097--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[97],"groups":["global"],"date":"2026-10-28","tables":23,"claims":148,"sources":7,"review_status":"scoped_coordinator_UN_consumer_guidelines_review_complete_final1999_renewal_currentness_domestic_application_parent_holds","review_complete":true,"sha256":"f0bb514b257ac64a0e9fc1cc31cd1806d7f9f45c340e5eb0172ca37e0fb58c64","headings":["UN General Assembly resolution 70/186 and the United Nations guidelines for consumer protection","1. Source register","R097-P1-S001 onward","2. Actual organization of the adopted instrument","3. Substantive findings and atomic claim register","Reading convention","A. Authentication, authority and legal status","B. Every operative paragraph of resolution 70/186","C. Objectives, scope, definitions and general principles","D. Good business practices and the opening application qualifications","E. National policies, safety and consumers’ economic interests","F. Standards, essential distribution, dispute resolution and education","G. Sustainable consumption and electronic commerce","H. Complete financial-services provisions","I. Specific-area provisions, including energy and utility payment issues","J. Complete international-cooperation provisions","K. Complete institutional machinery and express limits","L. Cross-cutting definitions, omissions and source limits","4. Substantive comparison","5. Measurement register","6. Conditional legal-category branches","7. Wholly blank analytical reference worksheet","8. Granular coverage and question-to-claim crosswalk","9. Source-read and failure log","Successful reads and bounded uses","Failed or discovery-only originals and alternatives","10. Explicit gaps and remaining A097 work","Material gaps within this pass","A097 remains open","11. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R097/pass-01","facets":{"geography":["international-framework"],"debt_type":[],"stage":[],"subject":["cross-border-international"]},"scope":"CompletepublicUNGA70-186-andconsumerprotectionguidelines-annex-financialservices-legalforce;allactual-domestic-andA097held","pending_corrections":0},{"key":"r098--pass-01","task":"R098","title":"Foreign-creditor access and notice under 11 U.S.C. §§ 1513–1514","parent_title":"Cross border debt and insolvency","edition":"pass-01","path":"/research/r098--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[98],"groups":["global"],"date":"2026-10-28","tables":15,"claims":70,"sources":19,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"c138800ab292eb991b7363966cdedf3ed40c58598f0c433c3a99e74d808d20eb","headings":["Foreign-creditor access and notice under 11 U.S.C. §§ 1513–1514","1. Source register and successful-read log","Reading and status conventions","Table 1A — Current statutory bodies and indispensable context","Table 1B — Adopted history, procedural publications, and rulemaking authority","2. Atomic claim register","Table 2A — Version, scope, and definitions","Table 2B — Chapter context, access, and ranking qualifications","Table 2C — Complete statutory notice rules and narrow procedural implementation","Table 2D — Authority, adoption, currentness, and legal-effect boundaries","3. Provision-specific comparisons","Table 3 — Comparison, evidence, and limits","4. Measurement and event-relation register","Table 4 — Quantities, triggers, boundaries, and absent facts","5. Conditional legal-category branches","Table 5 — Substantive branches and branch-level coverage","6. Wholly blank analytical reference worksheet","Table 6 — Blank worksheet","7. Granular question-to-claim coverage crosswalk","Table 7 — Requested coverage","8. Explicit unresolved and excluded matters","Table 8 — Remaining gaps","9. Source-access failures and discovery limits","Table 9 — Failed endpoints and bounded alternatives","Additional read-log qualifications","10. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R098/pass-01","facets":{"geography":["cross-border"],"debt_type":[],"stage":[],"subject":["cross-border-international"]},"scope":"Completepublic11USC1513-1514-foreigncreditoraccess-notice-framework;allactual-andA098held","pending_corrections":0},{"key":"r099--pass-01","task":"R099","title":"Finance Act 2005, sections 46–49","parent_title":"Islamic and alternative financing","edition":"pass-01","path":"/research/r099--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[99],"groups":["global"],"date":"2026-10-28","tables":21,"claims":80,"sources":18,"review_status":"scoped_coordinator_review_completed_with_revisedbody_incorporation_history_currentness_application_holds","review_complete":true,"sha256":"35a9764f22834ba5a0d3e90b02b2d2e62343950d21a590309c0dcec0846d56dc","headings":["1. Source register","1.1 Read sources","1.2 Incorporated sources whose complete necessary bodies were not obtained","2. Authenticated organization and version changes","3. Atomic claim register and substantive findings","3.1 Source status, scope and institutional definitions","3.2 Section47: purchase, resale and return allocation","3.3 Section48: currency and non-resident provisions","3.4 Section49 and the categories later incorporated by section46","3.5 Necessary exclusions and tax-purpose limits","3.6 Adoption, application, transition and successor boundaries","3.7 Payment, contractual, religious and methodological boundaries","4. What the selected provisions do—and do not establish about payment rights","5. Measurement register","5.1 Arrangement and amount relationships","5.2 Enactment, commencement, application and savings","6. Provision-specific comparisons","7. Conditional public legal-category branches","8. Wholly blank analytical reference worksheet","9. Granular coverage and question-to-claim crosswalk","10. Source-read and failure log","10.1 Successful reads and their limits","10.2 Failed revised-body access","11. Remaining A099 parent investigations — explicitly open","12. Explicit gaps and researcher self-check","Material unresolved gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R099/pass-01","facets":{"geography":["united-kingdom"],"debt_type":["alternative_finance"],"stage":[],"subject":["cross-border-international"]},"scope":"CompletepublicUKFinanceAct2005sections46-49-current-original-status-incorporations;actual-successor-merits-andA099held","pending_corrections":0},{"key":"r100--pass-01","task":"R100","title":"Colorado Part 17: current statutory text, adopted replacement, and application boundaries","parent_title":"Emerging products and debt technology","edition":"pass-01","path":"/research/r100--pass-01/","kind":"split_pass","category":"subject","role":"primary_area","area_numbers":[100],"groups":["global"],"date":"2026-10-28","tables":25,"claims":127,"sources":20,"review_status":"scoped_coordinator_selected_transition_review_complete_core_primary_refresh_failed_all_source_application_parent_holds","review_complete":true,"sha256":"2f98b470f4d9e49749bd8461990fd386c430f0d1be79a761063a3fc9e85064f7","headings":["Colorado Part 17: current statutory text, adopted replacement, and application boundaries","Reading conventions","1.1 Core compilation and adopted instruments","1.2 Narrow incorporated authorities and official explanatory material","1.3 Inaccessible current incorporated bodies","Temporal distinction that controls this report","3.1 Authentication, status, and construction","3.2 C-current definitions and coverage","3.3 C-current developer and deployer duties","3.4 C-current exceptions, defenses, and enforcement","3.5 F-future definitions","3.6 F-future documentation, notices, correction, and review","3.7 F-future enforcement, liability, and sector provisions","3.8 Psychotherapy additions, common to the displayed versions","3.9 Conversational-service definitions and duties","3.10 Incorporated privacy provisions and final component boundaries","5.1 Adoption, status, and transition measurements","5.2 Current and future operational quantities in the statutory text","9.1 Successful read bounds","9.2 Failed or bounded alternative access","10.1 Dependencies that prevent an application-complete Part 17 conclusion","10.2 Entire remaining A100 area remains open"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"R100/pass-01","facets":{"geography":["us","us-co"],"debt_type":[],"stage":["origination"],"subject":["technology-new-products"]},"scope":"CompletepublicColoradoCRS6-1-Part17-AI-current-original-status-incorporations;actual-andA100held","pending_corrections":0},{"key":"s_al--pass-01","task":"S_AL","title":"Alabama provider market access and consumer fees","parent_title":"Alabama debt and debt relief law","edition":"pass-01","path":"/research/s_al--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":7,"claims":39,"sources":31,"review_status":"revise","review_complete":true,"sha256":"37bd288951852c86c0c8e34e510c7432f99399e793a3aeba9149c7b7b3682f99","headings":["Alabama provider market access and consumer fees","1. Definitions and classification depend on the actual conduct","Alabama’s two principal classification systems","Classification and access matrix","The important limitation supplied by Porter","Consumer versus business purpose","2. Prohibited, authorized, and conditionally exempt models","Reserved legal services","Transmission authorization","3. Applicable fee structures, limits, indexing, and refunds","Reconciliation of dated materials","4. When fees may actually be requested or received","Alabama permission first","Federal TSR common context","DMP and partial-payment boundaries","Dedicated accounts and coverage exceptions","5. Actual permission, application, and lookup evidence","6. Worked fee and boundary examples","7. Component coverage and remaining investigations","Alabama legal and interpretive sources","Applications, lookup, and administrative-rule evidence","Federal common-context sources","Worked examples","Example 1 — Classification hold before calculating a nonlawyer settlement fee","Example 2 — Genuine lawyer, earned work, and termination refund","Example 3 — Lower-balance debt resolved first; proportional federal allocation","Example 4 — Previous lawful fee payment","Example 5 — Savings-based fee after completed settlement","Example 6 — Partial payment and genuine installments","Example 7 — Dedicated-account cancellation","Example 8 — Nonprofit percentage-fee hold","Example 9 — Regulator charge, kept separate from consumer fees","Full component coverage and gap table"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-01","facets":{"geography":["us","us-al"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_al--pass-02","task":"S_AL","title":"SAL Official UPL codification and the debtor-side settlement boundary","parent_title":"Alabama debt and debt relief law","edition":"pass-02","path":"/research/s_al--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":27,"sources":32,"review_status":"revise","review_complete":true,"sha256":"eeda2a7e1cb6c1c1272696e8d092136f15eab6e577491076e5b34850d69bf1a8","headings":["A. Substantive findings","1. Official §34-3-6 and the amendment-history reconciliation","2. Porter, privity, and the actual negotiation boundary","3. Modern debtor-side and DMP authorities","4. Result for the debtor-side boundary","B. Source register","Legislative and codification evidence","Judicial and official interpretive evidence","C. Claim register","D. PASS-01 patch and dependency map","E. Component coverage, failed routes and exact next investigations","Coverage and dependencies","Material failed retrieval routes","F. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-02","facets":{"geography":["us","us-al"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation","client-money","policy-history"]},"scope":"Official current UPL codification and debtor-side debt-settlement boundary","pending_corrections":0},{"key":"s_al--pass-03","task":"S_AL","title":"Alabama collection licensing and coverage","parent_title":"Alabama debt and debt relief law","edition":"pass-03","path":"/research/s_al--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":40,"sources":26,"review_status":"revise","review_complete":true,"sha256":"6b30a394c42548fd092390694962c306d49e28038ce7d09ef585ab1d473dcc88","headings":["Alabama collection licensing and coverage","1. Alabama collection categories and activity, entity, and location triggers","A.1 Classification matrix","A.2 Consumer versus commercial debt","A.3 Creditor-side collection versus debtor representation","2. Statewide licensing, registration, security, agent, and branch requirements","2.1 Section 40-12-80 collection-agency privilege license","Nature and issuing authority","Calculations","Remote and agent interpretation","Security, agent, and branch requirements","Effective history limitation","2.2 Alabama Consumer Credit Act license for some creditors and assignees","Debt-buyer consequence","Servicer consequence","Current NMLS transition","2.3 Attorneys","2.4 Corporate qualification and local licensing","3. Federal coverage differences: creditor, purchaser, servicer, and attorney","3.1 The operative federal tests","3.2 Original creditors","3.3 Debt buyers","Henson v. Santander","Davidson v. Capital One","3.4 Servicers","3.5 Attorneys","3.6 Security enforcement and foreclosure","3.7 Fiduciary exclusion","4. Applications, instructions, lookups, and authority verification","5. Bounded classification examples","Example 1 — Consumer original creditor collecting in its own name","Example 2 — Third-party agency with an Alabama office","Example 3 — Remote agency using mail, phone, or online communications","Example 4 — Purchased defaulted consumer account","Example 5 — Servicing obtained before or after default","Example 6 — Attorney collecting for a creditor","Example 7 — Commercial-only collection","Actually read","Not successfully read or not established","Evidence discipline"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-03","facets":{"geography":["us","us-al"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Distinct creditor-side collection licensing/entity/activity coverage; communications and other fullstatecomponents remain required","pending_corrections":0},{"key":"s_al--pass-04","task":"S_AL","title":"Bounded correction to creditor-side","parent_title":"Alabama debt and debt relief law","edition":"pass-04","path":"/research/s_al--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":17,"sources":16,"review_status":"revise","review_complete":true,"sha256":"69bffd23b3fe06bd59a0ec2a38e8ba7e1292dd6794b283cee0a7403d66ec1d26","headings":["Bounded correction to creditor-side PASS-03","Correction result","Access codes","Exact PASS-03 self-check replacement","Actually read in PASS-04","Screenshot status","Supplied or reused, not newly researched","Not read or not resolved","Process and status discipline"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-04","facets":{"geography":["us","us-al"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only P3source-currentness qualification, exact page labels, all example/coverage claim mappings and direct current rule PDF locators","pending_corrections":0},{"key":"s_al--pass-05","task":"S_AL","title":"Alabama: collection-law citation and coverage crosslink correction","parent_title":"Alabama debt and debt relief law","edition":"pass-05","path":"/research/s_al--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"a2240403f8be2fcf7fc1569cce1416dde2aa280fe88b9aefb0fc92f3d3498bc4","headings":["Exact replacement rows","Coverage and self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-05","facets":{"geography":["us","us-al"],"debt_type":[],"stage":["collection"],"subject":[]},"scope":"ONLY missed P3C031 Glover pinpoint and extraneous P4C003 in coverage mappingrow10","pending_corrections":0},{"key":"s_al--pass-06","task":"S_AL","title":"Ordinary civil money-judgment wage garnishment, earnings exemptions, and the claim–contest–hearing gateway","parent_title":"Alabama debt and debt relief law","edition":"pass-06","path":"/research/s_al--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":21,"claims":72,"sources":32,"review_status":"scoped_review_with_holds","review_complete":true,"sha256":"8da95a4f1fc2593c1b9901b62aadce94dd0da6394e46dedc9e3a4d46a3730b60","headings":["Ordinary civil money-judgment wage garnishment, earnings exemptions, and the claim–contest–hearing gateway","Register counts","1. There is no single “Alabama wage-garnishment formula”","2. The constitutional wage cases reject two opposite shortcuts","3. Employer liability and debtor exemptions are different proceedings","4. Two actual 2026 rule amendments matter","1. Judgment, court, issuance, and service","2. Debtor notice","3. Three different contests must not be combined","4. Withholding, remittance, condemnation, release, and satisfaction","D1. Alabama rules and procedural primary sources","D2. Alabama statutory and constitutional provenance","D3. S011 section ledger — 18 bodies, one compilation source ID","D4. Judicial sources","D5. Federal sources","D6. Forms, inventory, and failed official routes","Form-body failure ledger","E1. Court, creditor, employer, and process claims","E2. Earnings, federal limits, state protection, and waiver","E3. Claim, contest, hearing, currentness, and application holds","Model 1 — Federal ordinary-garnishment maximum","Model 2 — Multiple ordinary orders against the same period","Model 3 — State-law and court-order gates","E01 — Weekly disposable earnings below the federal threshold","E02 — Exactly at the weekly threshold","E03 — Above the threshold but below the full-25% region","E04 — Voluntary deduction is not automatically “required by law”","E05 — Biweekly pay","E06 — Semimonthly pay","E07 — Monthly pay","E08 — Additional constitutional exemption actually granted","E09 — Accumulation changes the analysis","E10 — Owned property versus selected property","E11 — Before/after the material 2015 date","E12 — Two ordinary garnishments","E13 — Claim filed, but service unknown","E14 — Employer fails to answer","E15 — Allegedly protected benefits mixed with wages","E16 — Self-employed invoice","E17 — Stay or discharge alleged","E18 — Waiver unknown","E19 — Small remaining balance","H1. Core coverage — 26 rows","H2. Actor and workflow coverage — 20 rows","H3. Currentness and provenance — 10 rows","H4. Deferred subjects — 14 rows","Additional territorial/jurisdictional rows — 5","Actual primary reading","Dated reproduction and failed-access discipline","Images and version conflicts","Unread/private matters","Process"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-06","facets":{"geography":["us","us-al"],"debt_type":[],"stage":["judgment","levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"SettleADebt S_AL PASS-06 — SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED P01 DEFERRED ALABAMA ORDINARY CIVIL MONEY-JUDGMENT WAGE GARNISHMENT / EARNINGS EXEMPTION / DEBTOR CLAIM-CONTEST-HEARING GATEWAY ONLY. No licensing/UPL/providerfee/collector-market-access rerun.","pending_corrections":0},{"key":"s_al--pass-07","task":"S_AL","title":"Ordinary money-judgment bank-account garnishment and property-exemption claims","parent_title":"Alabama debt and debt relief law","edition":"pass-07","path":"/research/s_al--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":21,"claims":80,"sources":36,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"cb97ecc333ff9e7de5495bf41c7721b2b6ffc164040df3ed7b860668b24d22a2","headings":["Ordinary money-judgment bank-account garnishment and property-exemption claims","1. Alabama’s published amount is not an automatic bank-account allowance","2. Depositing wages does not automatically preserve employer-withholding treatment","3. Joint ownership and exemption are different questions","4. Federal automatic protection is a bank duty, not a debtor filing prerequisite","5. Protection beyond Part 212 requires a separate analysis","1. The necessary sequence","2. Circuit, District, and Small Claims differences","3. The three contest routes","4. Exemption timing and current service rules","Reading-status conventions","C1. Alabama law, rules, and opinions","S005 — exact section ledger","C2. Federal sources","S018 — operative Part 212 section routes","C3. Forms and administrative inventory","E1. State protection, ownership, and initial process","E2. Answer, claim, hearing, and fund disposition","E3. Automatic federal bank protection","E4. Underlying federal exemptions, deposited earnings, and holds","Model M1 — State personal-property selection","Model M2 — Federal direct deposits mixed with other funds","Model M3 — Transfer between accounts and a separate fee branch","H1. Core legal questions","H2. Actor and workflow coverage","H3. Currentness and provenance","H4. Model/example coverage","H5. Deferred families","Actually read","Failed, partial or expressly dated","Prior records and factual limits","Completion boundary"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-07","facets":{"geography":["us","us-al"],"debt_type":[],"stage":["judgment","levy"],"subject":["bank-garnishment","exemptions-property"]},"scope":"ReviewedP01remainingordinarycivilbankaccount/non-earningsgarnishment/propertyexemption-claimcontestonly;unreviewedP06wagesnotpremise","pending_corrections":0},{"key":"s_ak--pass-01","task":"S_AK","title":"SAK Alaska provider market access and consumer fees","parent_title":"Alaska debt and debt relief law","edition":"pass-01","path":"/research/s_ak--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":33,"sources":19,"review_status":"revise","review_complete":true,"sha256":"faccbecb444e1f72495756d1d0d10b6daa90a1bcc9d755a5dd7d5baeccef8164","headings":["Executive determination","1. How Alaska currently defines and classifies the relevant conduct","1.1 No verified Alaska debt-relief-specific taxonomy","1.2 Conduct matrix","1.3 Principal reduction versus concession/distribution services","1.4 Custodial versus noncustodial models","1.5 Consumer versus business purpose","1.6 Alaska-resident and remote-provider nexus","2. Whether each business model is prohibited, licensed, registered, authorized, or exempt","2.1 Market-access matrix","2.2 Telephonic seller registration is an access condition, not a debt license","2.3 Money-transmission authorization","2.4 Attorney status","2.5 Nonprofit status","2.6 Financial institutions and other institutional exclusions","2.7 Collection-agency crossover and self-creditor boundary","3. Current fee structures, dollar limits, percentages, and refunds","3.1 Consumer-facing debt-relief fees","3.2 Verified provider-side governmental fees","3.3 Money-transmission transaction fees","3.4 Virtual-currency kiosk cap is not a debt-relief cap","3.5 Refund and credit conditions","4. When fees may actually be requested or received","4.1 Alaska telephonic contract trigger","4.2 Federal TSR performance trigger","4.3 Dedicated accounts","4.4 State and federal conditions must be stacked","5. Actual regulator procedure, application, and lookup routes","5.1 Business-license procedure","5.2 Telephonic registration is operational","5.3 Money-transmission procedure and lookup limitation","5.4 The legacy “Company Uniform Application” is not a debt-relief application","5.5 Advertising authorization or status inaccurately creates UTPA risk","6. Fee and boundary examples","7. Component coverage and next investigations","D.1 Plain-text worked examples","Example 1 — TSR proportional fee after one individual debt is resolved","Example 2 — TSR savings-percentage method","Example 3 — Lower-balance debt shows why the fee base matters","Example 4 — Prior earned fees, partial program performance, and cancellation","Example 5 — Alaska telephonic pre-service cancellation","Example 6 — Licensed custodial DMP transmission calculation","Example 7 — Unlicensed custodial model: classification hold, not a fee calculation","Example 8 — Independent dedicated account boundary","Example 9 — The virtual-currency kiosk cap does not create a debt-relief cap","D.2 Full PASS-01 coverage and gap table","Material actually read","Material not established or not fully read","Overall confidence"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AK/pass-01","facets":{"geography":["us","us-ak"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Alaska provider-access/fees component, all other state categories required","pending_corrections":0},{"key":"s_ak--pass-02","task":"S_AK","title":"SAK bounded correction patch","parent_title":"Alaska debt and debt relief law","edition":"pass-02","path":"/research/s_ak--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":7,"sources":11,"review_status":"accepted_with_limits","review_complete":true,"sha256":"334246cdc8d8d2216f322dfd3449469beb71f0195dd203d492d8d93c1d72abd6","headings":["1. Exact replacement: PASS-01 §2.1 access-matrix wording","Replace the original noncustodial-settlement row","Add this qualification immediately after the matrix","2.1 SB 249","Corrected evidence treatment for PASS-01 S012","Replacement for PASS-01 C025","2.2 SB 86","Corrected evidence treatment for PASS-01 S013","Replacement for PASS-01 C026","2.3 SB 252","Corrected evidence treatment for PASS-01 S014","Replacement for PASS-01 C027","3.1 What the primary records actually establish","3.2 Replacement fee table","3.3 Replacement for PASS-01 C033","Freshly read in PASS-02","Attributed coordinator reads, not recast as fresh assistant reads","Not successfully read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AK/pass-02","facets":{"geography":["us","us-ak"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation"]},"scope":"Only2026enactment/currentnessauthentication,governmentMTfee-currentness and boundednegativepermissionwording","pending_corrections":0},{"key":"s_az--pass-01","task":"S_AZ","title":"SAZ — Arizona provider market access and consumer fees","parent_title":"Arizona debt and debt relief law","edition":"pass-01","path":"/research/s_az--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":10,"claims":36,"sources":29,"review_status":"revise","review_complete":true,"sha256":"80d9f07ee0d55d1c15dcd55e9cc6f785e8bad81bed099b1b9687202119983e8b","headings":["A. Substantive findings","1. Classification: what conduct Arizona actually regulates","2. Market access: license required, prohibited conduct, and conditional exclusions","3. Consumer-fee structures, bases, limits, and adjustments","4. When fees may actually be requested or received","5. Public market access: verified legal procedure and operational limits","6–7. Worked boundaries and component disposition","B. Source register","B1. Read authorities","B2. Discovery and failed-access register","C. Claim register","D. Worked examples and coverage/gap table","Worked examples","Component coverage and exact next investigations","E. Researcher selfcheck"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-01","facets":{"geography":["us","us-az"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_az--pass-02","task":"S_AZ","title":"SAZ Renewal language, public procedure and proration","parent_title":"Arizona debt and debt relief law","edition":"pass-02","path":"/research/s_az--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":10,"claims":23,"sources":27,"review_status":"revise","review_complete":true,"sha256":"210d58a51f35fb63b4d92f4c697911d25da9ec23f108a83bd9de7fbfe9eb8175","headings":["A. Substantive findings","1. Reconciliation of § 6-706(B), § 6-707(C) and R20-4-602(C)","2. Exact effects and dates of Laws 2025, chapter 222","3. Current application and renewal procedure: what is established and what remains inaccessible","4. Public license lookup: intended route identified; current functionality not verified","5. Provider charges and proration","B. Source register","B1. Substantively read sources","B2. Material discovery and failed-access records","C. Claim register","D. Bounded examples, dependency map and component coverage","D1. Plain-text examples limited to this pass","D2. PASS-01 patch and dependency map","D3. Full PASS-02 component coverage and exact remaining investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-02","facets":{"geography":["us","us-az"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Renewal statutory-language, current official procedure and proration reconciliation","pending_corrections":0},{"key":"s_az--pass-03","task":"S_AZ","title":"SAZ Ordinary civil money-judgment earnings garnishment","parent_title":"Arizona debt and debt relief law","edition":"pass-03","path":"/research/s_az--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":88,"sources":41,"review_status":"delegated_coordinator_scoped_earnings_primary_arithmetic_review_source_rule_currentness_transition_application_holds","review_complete":true,"sha256":"f54182872390ceb619b6da25ba7b710cf2c0ea943cb0ee07be7e7b8385756cd5","headings":["1. Scope, dates, provenance, and counts","Register and coverage counts","2. Substantive findings","2.1 What is being garnished, and whose duties are involved?","2.2 The ordinary formulas and 2026 wage inputs","2.3 Which date controls the Proposition 209 branch?","2.4 The objection and hardship gateway","2.5 Stays, court differences, continuing withholding, and release","3.1 Arizona law, initiative, opinions, and forms","3.2 Federal law and wage sources","3.3 Rules, currentness checks, local guidance, and inaccessible documents","S001: direct section URL and pinpoint map","Material failed routes and the actual alternatives","4.1 Definitions, formulas, wage inputs, and transition","4.2 Judgment, writ, answer, objection, and hearing","4.3 Hardship, accounting, priority, default, and employment protection","4.4 Courts, forms, boundaries, and currentness","Posture 1 — At or below the weekly threshold","Posture 2 — Above the threshold, but the excess branch controls","Posture 3 — Percentage branch controls","Posture 4 — Semimonthly is not biweekly","Posture 5 — Higher-local-wage applicability is unproved","Posture 6 — Historical withholding versus a new post-initiative writ","Posture 7 — Renewal does not answer the transition question by itself","Posture 8 — Hardship is granted","Posture 9 — Hardship is denied","Posture 10 — Late objection","Posture 11 — Filed with court, but not delivered to other parties","Posture 12 — Employer misses the answer deadline","Posture 13 — Two ordinary writs","Posture 14 — Commission or business receivable?","Posture 15 — Exempt-benefit funds mixed with deposited pay","Posture 16 — Claimed bankruptcy stay or discharge, status unknown","Posture 17 — Money withheld, but no continuing order","Posture 18 — Prior payments leave only $40","Posture 19 — Employment interruption","6.1 Core substantive coverage — 22 rows","6.2 Workflow coverage — 16 rows","6.3 Actor and court coverage — 9 rows","6.4 Currentness and provenance coverage — 10 rows","6.5 Deferred categories — 16 rows","6.6 Fifteen individual county/local holds","6.7 Exact P01 deferred-subcomponent crosswalk — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-03","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment","levy"],"subject":["wage-garnishment","research-quality"]},"scope":"SettleADebt S_AZ PASS-03 — SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED P01 DEFERRED ARIZONA ORDINARY CIVIL MONEY-JUDGMENT EARNINGS GARNISHMENT / EXEMPTION-HARDSHIP / DEBTOR OBJECTION-HEARING GATEWAY ONLY. No debtmanagementlicensing/fee-renewal/proration rerun.","pending_corrections":0},{"key":"s_az--pass-04","task":"S_AZ","title":"Arizona ordinary money-judgment garnishment of bank-account funds","parent_title":"Arizona debt and debt relief law","edition":"pass-04","path":"/research/s_az--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":100,"sources":33,"review_status":"accepted_with_limits","review_complete":true,"sha256":"becb631a8181f93f6d25564525600f88166d4e6c20ead93a6bda91f54a4b8e86","headings":["Arizona ordinary money-judgment garnishment of bank-account funds","Identifier and evidence conventions","1. The bank route concerns money owed or held at service, followed by a separate adjudication","2. Arizona’s account exemption is not the base figure repeated in an old table","3. The initiative and subsequent enactment chain do not decide every bank writ’s temporal branch","4. The objection clock runs from receipt of the answer; objection is not automatic release","5. Federal automatic protection and substantive benefit exemptions are separate protections","6. Published judicial interpretations actually used","B1. Document-level records","B2. S001 statutory section URL and pinpoint map","B3. Failed routes, genuine alternates, and precise remaining holds","C1. Actors, entry, service, hold, answer, and ownership","C2. State exemptions, amendments, and temporal application","C3. Objection, hearing, judgment, release, default, and remedies","C4. Court-rule and form distinctions","C5. Federal automatic review and substantive benefit protections","Common safeguards for the arithmetic","Model 1 — State exemption below/above boundary, without an invented 2026 cap","Model 2 — Qualifying direct benefits mixed with other money","Model 3 — Balance cap, followed by a transfer to another account","Model 4 — Garnishment fee against a fully protected account","Eighteen fictional postures","E1. Core coverage — 20 rows","E2. Workflow coverage — 18 rows","E3. Actor and court coverage — 9 rows","E4. Currentness coverage — 9 rows","E5. Model coverage — 4 rows","E6. Deferred required components — 14 rows","E7. Fifteen individual county-local holds","E8. Territory, private-fact, and calendar holds — 4 rows","Actual reading versus material not established","Separate counts"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-04","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment","levy"],"subject":["bank-garnishment"]},"scope":"ReviewedP01remainingordinarycivilbankaccount/non-earningsgarnishment/exemption-objection-hearingonly;unreviewedP03earningsnotpremise","pending_corrections":2},{"key":"s_az--pass-05","task":"S_AZ","title":"Arizona ordinary consumer-debt limitations, accrual, acknowledgment, and money-judgment enforcement and renewal","parent_title":"Arizona debt and debt relief law","edition":"pass-05","path":"/research/s_az--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":20,"claims":86,"sources":51,"review_status":"delegated_coordinator_scoped_limitation_renewal_primary_calendar_balance_review_with_source_judicial_currentness_application_holds","review_complete":true,"sha256":"a102dd063764f72a3ce7b75b965c9f4e617985b1af1ed3a8e6cd605fc769fb63","headings":["Arizona ordinary consumer-debt limitations, accrual, acknowledgment, and money-judgment enforcement and renewal","Principal findings","1. Reading conventions and record boundaries","What the acknowledgment authorities do—and do not—establish","The two stay questions must remain separate","Currentness and authority-control claims","Model M1 — Credit-card default, partial payment, and complete-cure alternative","Model M2 — Matured installments and a separately accelerated future balance","Model M3 — Current ordinary judgment, initial affidavit, and successive renewal","Model M4 — The older-judgment transition","8.1 Common access statement","S001 — Arizona Revised Statutes compilation and section map","8.2 Enactments, effective dates, and legislative currentness","8.3 Published opinions, reproductions, later treatment, and failed case routes","8.4 Rules, adoption orders, forms, and administrative inventory","8.5 Federal sources","9.1 Core legal issues — 28 rows","9.2 Workflow — 14 rows","9.3 Actors and courts — 10 rows","9.4 Currentness and source integrity — 10 rows","9.5 Model coverage — 4 rows","9.6 Deferred families — 17 rows","9.7 Territory and individual county-local holds — 18 rows","Record counts"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-05","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment"],"subject":["limitations-revival","judgments-duration"]},"scope":"Reviewed P01 remaining ordinary consumer debt limitation/accrual/acknowledgment and money judgment renewal gateway only","pending_corrections":0},{"key":"s_az--pass-06","task":"S_AZ","title":"SAZ Arizona collection-agency licensing, actor exemptions, security, and public procedure","parent_title":"Arizona debt and debt relief law","edition":"pass-06","path":"/research/s_az--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":110,"sources":37,"review_status":"delegated_coordinator_scoped_collection_agency_primary_cost_security_review_partial_source_access_currentness_application_holds","review_complete":true,"sha256":"2be30eeae3157b35672790f6ea883516ea8115f89dc259bdd8b641a5984ce075","headings":["1. Reading conventions and principal conclusions","4.1 Government charges and unidentified operational extras","4.2 Bond, cash alternative, and the limited claim gateway","5.1 Atomic federal actor claims","5.2 Published opinions: facts, posture, holding, and limits","7.1 Statutory compilations and exact section URLs","7.2 Rules, enactments, official interpretation notice, and currentness records","7.3 Published decisions, federal text, and administrative inventory","7.4 Operational sources, failures, and discovery-only material","Model 1 — Initial identified outlay, proration, and denial","Model 2 — Arizona-connected gross income and a tier boundary","Model 3 — Collections, agreed client charge, remittance, and remaining loss","Model 4 — Conditional cash-deposit claim and proportional allocation","10.1 Core issue and actor coverage — 30 rows","10.2 Workflow and regulatory-actor coverage — 14 rows","10.3 Currentness and authority coverage — 9 rows","10.4 Worked-model coverage — 4 rows","10.5 Deferred families — 15 rows","10.6 Individual county-local and territorial holds — 18 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-06","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing","exemptions-property"]},"scope":"Reviewed P01 remaining collection-agency actor/license/exemption/security/public-procedure gateway only","pending_corrections":0},{"key":"s_az--pass-07","task":"S_AZ","title":"SAZ Arizona collection communications, validation and disputes","parent_title":"Arizona debt and debt relief law","edition":"pass-07","path":"/research/s_az--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":21,"claims":97,"sources":37,"review_status":"revise_bounded_definition_pinpoints_with_material_evidence_holds","review_complete":true,"sha256":"9c51e717dce9cd9e065708944156930f34f18b483f61d563c3fd1c591359ed1f","headings":["Scope, access and evidence conventions","1.1 Arizona operative text and version checks","1.2 Federal statutes, Regulation F and adoption materials","1.3 Published judicial opinions","1.4 Guidance, failed routes and discovery-only materials","2.1 Debt, actor and territorial predicates","2.2 Arizona communication and information requirements","2.3 Federal contact, conduct and reporting","2.4 Calls, voicemail and electronic channels","2.5 Initial validation, disputes, verification and resumption","2.6 Version, effective-date and interpretation limits","Shared assumptions","Model 1 — Initial contact, dispatch, assumed receipt and a returned notice","Model 2 — Complete call ledger, two debts and the conversation restriction","Base ledger: March 2–8","Adverse branch A — Low count, but conversation restriction","Adverse branch B — Four additional attempts","Consent branch — Separate alternative","Model 3 — Oral dispute, written pause, verification obtained, verification sent","Model 4 — Invalid electronic follow-up, paper notice, text opt-out and original-creditor request","6.1 Core actors, communications and channels","6.2 Validation and dispute workflow","6.3 Currentness, source failures and examples","6.4 Territory, forum and private-fact holds","6.5 Deferred families remain required work"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-07","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["collection"],"subject":["validation-disputes","collection-conduct"]},"scope":"Reviewed P01 deferred collection row narrowed to ordinary consumer-debt communications/validation/dispute gateway only","pending_corrections":2},{"key":"s_az--pass-08","task":"S_AZ","title":"Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies","parent_title":"Arizona debt and debt relief law","edition":"pass-08","path":"/research/s_az--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":89,"sources":34,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"1505b2f0e8648c8d1eee26a74aba2c3d50eb8b1de52a13b0dfe56eb473fef419","headings":["Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies","1. Access, scope, and provenance","2.1 Arizona classification and exclusions","2.2 Arizona payment restrictions, security, and public procedure","2.3 Arizona disclosure, agreement, cancellation, and limited remedies","2.4 Federal CROA classification and incorporated exclusions","2.5 CROA performance, documents, cancellation, and remedies","2.6 Necessary TSR overlap","2.7 Judicial construction and currentness claims","4.1 Arizona sources","4.2 Federal statutes and incorporated definitions","4.3 TSR, guidance, and federal opinions","4.4 Failed and partial retrieval register","Model 1 — Classification, state bond condition, and federal payment timing","Model 2 — Completed preliminary work versus an integrated unfinished package","Model 3 — Early written cancellation, actual receipt, and return of payment","Model 4 — Customer money, disputed fee, creditor transfer, and provider security","7.1 Core, workflow, security, timing, and currentness coverage","7.2 Territory and local-practice holds","7.3 Separate required components"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-08","facets":{"geography":["us","us-az"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","agreements-disclosures","credit-reporting","research-quality"]},"scope":"ReviewedP01 remaining Adjacent CSO rules/Exact current CROA codification/fullagreements-security-remedies narrowed to state CSO classification/exclusions/disclosure-contract-cancellation/security/limitedremedy and necessary federal interaction; P02renewal/P03–P07unreviewednotpremises.","pending_corrections":0},{"key":"s_az--pass-09","task":"S_AZ","title":"SAZ Ordinary consumer money-debt court gateway","parent_title":"Arizona debt and debt relief law","edition":"pass-09","path":"/research/s_az--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":22,"claims":88,"sources":74,"review_status":"scoped_coordinator_review_with_source_currentness_calendar_and_application_holds","review_complete":true,"sha256":"5e1af1e5f792911099d74caab609be43c3f18dc6816999f63d91b27b9bbc191f","headings":["1. Scope, dates, and evidentiary conventions","Material currentness limitations","2.1 Court, amount, plaintiff, and representative","2.2 Venue is not subject-matter jurisdiction, personal jurisdiction, or service","2.3 Commencement, service, and response are separate events","2.4 Answer periods and default are not interchangeable clocks","2.5 Relief requires identifying what is being attacked","3.1 Statutes, rules, and adoption orders","3.2 Fees, forms, and federal statutes","3.3 Published judicial opinions","3.4 Discovery, failure, currentness, and local-access records","4.1 Court, actor, amount, venue, and commencement","4.2 Summons, server, method, proof, and service windows","4.3 Response, computation, motions, and filing","4.4 Default, proof, hearing, and military safeguards","4.5 Relief, appeal/stay boundaries, forms, and currentness","Model 1 — Superior personal service and a 20-day response count","Model 2 — Small claims versus justice civil, including amount and proof filing","Model 3 — Small-claims mail: delivery, filing, illegible date, and unclaimed mail","Branch A — Legible delivery date","Branch B — Missing or illegible delivery date","Branch C — Refused or unclaimed mail","Branch D — Later appearance","Model 4 — Default application, judgment proof, service defect, relief, and appeal/stay separation","Conditional judgment-amount ledger","Fictional judgment and subsequent clocks","Service-defect branch","8.1 Core court, actor, amount, and venue — 16 rows","8.2 Commencement and service — 15 rows","8.3 Response and computation — 8 rows","8.4 Default and relief — 13 rows","8.5 Forms, currentness, failures, and models — 13 rows","8.6 Fifteen individual county/local holds","8.7 Deferred families and territorial/private-fact boundaries — 18 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-09","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["lawsuit"],"subject":["client-money","limitations-revival","court-entry-service"]},"scope":"ReviewedP01 allotherstatecategories + authorizedparent/currentunacceptedlitigationdimension narrowedordinaryconsumer court/venue/service/response/default/relief only. P03–P08unreviewednotpremises;P02renewalnotpremise.","pending_corrections":0},{"key":"s_az--pass-10","task":"S_AZ","title":"SAZ Arizona consumer money-debt merits, ownership, assignment, and account proof","parent_title":"Arizona debt and debt relief law","edition":"pass-10","path":"/research/s_az--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":24,"claims":90,"sources":43,"review_status":"scoped_review_complete_with_source_currentness_judicial_application_holds","review_complete":true,"sha256":"08355e1ff72625ca073da5d119e591befbd33275f108ecab9a3138f3479524f0","headings":["Reading conventions and limits","1. Causes of action and the elements that need proof","Cause-of-action and element matrix","Identity, assignment, and account-linkage evidence matrix","2. Complete source and access register","Source-status conventions","2.1 Statutes and enactments","2.2 Promulgated rules and final orders","2.3 Judicial opinions","2.4 Federal text, currency indices, and unrecovered documents","2.5 Failed-route and recovery ledger","3. Published-case and posture register","4. Atomic claim and evidence register","4.1 Causes, terms, party identity, and assignment","4.2 Evidence, records, authentication, and summaries","4.3 Pleading, disclosure, summary judgment, trial, and defenses","4.4 Currentness, conditional models, and additional electronic-record clauses","5. Twenty distinct fictional postures","6. Four fully worked fictional models","M01 — Original-creditor account, disputed interest, and disputed fee","M02 — Two assignments, account inclusion, and servicing authority","M03 — Foundation at summary judgment versus contested trial","M04 — Settlement, provisional credit, reversal, replacement payment, and residual claim","7. Source-currentness and interpretation reconciliation","8. Granular coverage and remaining-evidence table","8.1 Core coverage — 62 rows","8.2 Deferred families — nine rows","9. Named hold register — 14 distinct holds","10. Contribution crosswalk — preserving prior review limits","11. Count reconciliation and researcher self-check","Reconciled counts","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-10","facets":{"geography":["us","us-az"],"debt_type":[],"stage":[],"subject":["ownership-transfer","client-money","proof-evidence"]},"scope":"ReviewedP01 allremainingstate/currentunacceptedlitigation/authorizedparent narrowedordinaryconsumer merits/owner-assignment/account-proof/business-records only; P03–P09unreviewednotpremises. No proceduralclock/limitation/arbitration rerun.","pending_corrections":0},{"key":"s_az--pass-11","task":"S_AZ","title":"SAZ Arizona residential homestead and ordinary judgment enforcement","parent_title":"Arizona debt and debt relief law","edition":"pass-11","path":"/research/s_az--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":90,"sources":36,"review_status":"revise_bounded_subsection_pinpoint_with_primary_currentness_application_holds","review_complete":true,"sha256":"012570d9c6c8c4fe7bfb45e9c3c57dc0ef61ec49d3a4e84a88c9cf129b227d0e","headings":["1. Reading conventions and provenance","2.1 S_AZ-P11-S001 — Arizona Revised Statutes, Legislature","2.2 S_AZ-P11-S002 — Arizona Constitution","2.3 Enactments, rules, opinions, federal sources and official operational material","5.1 Architecture, claimant, residence, estate and family interests","5.2 Amount, transitions and statutory currentness","5.3 Attachment, perfection, priority and exceptions","5.4 Ordinary execution, court route, notice and challenge","5.5 Sale, refinance, release, proceeds and satisfaction","5.6 Bankruptcy boundary and model claims","Common assumptions","M01 — Rural versus urban parcel; value, equity and a strict bid threshold","M02 — Spousal residence; ordinary judgment versus a valid consensual lien","M03 — Voluntary sale, held excess and establishment of a new homestead","M04 — Current symbolic exemption and contested excess execution","8.1 Core issues — 32 rows","8.2 Actors and workflow — 14 rows","8.3 Currentness — 10 rows","8.4 Model coverage — 4 rows","8.5 Territory and private-fact boundaries — 4 rows","8.6 Deferred families — 10 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-11","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment"],"subject":["exemptions-property","research-quality"]},"scope":"Reviewedremaining broaderproperty/currentunacceptedproperty-enforcement/authorizedparent narrowedresidentialhomestead ordinaryciviljudgment lien-execution/estate-excess/proceeds ONLY. Prior earnings/bank/court/limitations/merits savedunreviewednotpremises; no broadpersonalproperty/specialsector/bankruptcyrerun.","pending_corrections":1},{"key":"s_az--pass-12","task":"S_AZ","title":"SAZ Interest, usury, contractual charges, and judgment interest","parent_title":"Arizona debt and debt relief law","edition":"pass-12","path":"/research/s_az--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":17,"claims":87,"sources":52,"review_status":"revise_bounded_FCU_remedy_pinpoint_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"f4f54debcdb709f5c568495d4386aa82b858227fe11d18d1efb0e150b7d3c802","headings":["1. Reading conventions and scope","2.1 Arizona architecture, ordinary obligations, and special charge regimes","2.2 Charge characterization, proof, remedies, and nonbank assignment boundaries","2.3 Federal actor gates, exportation, transfer, and disclosure distinctions","2.4 Prejudgment interest, judgment interest, allocation, and currentness","4.1 Arizona constitutional, statutory, enactment, and rule sources","4.2 Arizona published opinions","4.3 Federal statutes, regulations, notices, and rate data","4.4 Federal opinions and unrecovered/discovery records","M01 — Ordinary local nonbank simple loan; agreed rate versus no established rate","Stipulated inputs","Calculation","M02 — Upfront charge, net proceeds, and conditional usury-credit ledger","Stipulated inputs","Cash-cost calculation, before legal classification","Violation branch","Positive lawful-cost alternative","M03 — Regulated consumer revolving tiers, origination fee, and actual payment","Stipulated inputs","June finance charge","Origination fee","Actual payment allocation and remaining balance","Reconciliation","M04 — Prejudgment interest, fixed judgment rate, and partial payment","Common stipulated facts","Branch A — Otherwise applicable statutory judgment rate","Branch B — Lawful written 12% contract rate","No-remittance adverse branch","8.1 Core classification, charge, and remedy coverage","8.2 Federal and judgment-interest coverage","8.3 Currentness, evidence failures, and worked demonstrations","8.4 Territorial and expressly deferred families","What was actually read","What was not established","Count reconciliation"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-12","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment"],"subject":["interest-charges-math","agreements-disclosures","judgments-duration"]},"scope":"ReviewedP01exactfullagreements-funds-bonds-remedies/allotherstatecategories+explicitparent narrowedordinaryconsumerinterest/usury/chargeclassification/remedy/necessaryactor-exportation/judgmentinterestaccounting. P03–P11UNREVIEWEDnotpremises; not providerfee/renewal/limitations/court/merits/homestead rerun.","pending_corrections":1},{"key":"s_az--pass-13","task":"S_AZ","title":"SAZ Arizona consumer-account arbitration gateway","parent_title":"Arizona debt and debt relief law","edition":"pass-13","path":"/research/s_az--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":105,"sources":46,"review_status":"scoped_coordinator_arbitration_regime_formation_waiver_award_calendar_review_with_validation_and_source_currentness_application_holds","review_complete":true,"sha256":"0a32c889fd712e27db8894fcff419a77c02206c227b7929159e0592d65672dfd","headings":["Research scope, access, and notation","1.1 Governing regimes, jurisdiction, and electronic contracting","1.2 Formation, modification, delegation, and enforcement by another actor","1.3 Court motion, waiver, stays, appeals, and calculation rules","1.4 Arbitration notice, award, review, and judgment","1.5 Model and research-boundary claims","M01 — Electronic assent, competing versions, and delegation","Branch A: connected evidence","Branch B: version and delivery gap","Branch C: later modification","M02 — Original creditor, two assignments, and a servicer alternative","M03 — Litigation conduct, requested stay, and appeal","Alternative outcomes","Alternative Arizona branch","M04 — Award dates, judicial review, and separate cash accounting","Stipulated events and counting assumptions","A. Revised-act candidates","B. FAA alternatives","C. Older Arizona act","D. Fraud-discovery alternative","E. Award, judgment, and cash ledger","4.1 Common access and source-status rules","4.2 Statutes, enactments, rules, and policy sources","S001 — Direct operative-section URL map","4.3 Published-opinion source and posture register","4.4 Opened or screened opinion material not used as a holding"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-13","facets":{"geography":["us","us-az"],"debt_type":[],"stage":[],"subject":["arbitration-adr"]},"scope":"ReviewedP01 exact broad agreement/remedy/state holds + explicit parent arbitration narrowed consumer arbitration formation/delegation/assignment/court enforcement-waiver-stay-appeal/necessary award. P03–P12 unreviewed not premises.","pending_corrections":0},{"key":"s_az--pass-14","task":"S_AZ","title":"SAZ Payment, compromise, satisfaction, and necessary release","parent_title":"Arizona debt and debt relief law","edition":"pass-14","path":"/research/s_az--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":86,"sources":48,"review_status":"revise_one_bounded_case_caption_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"701d921caa000cbba6dc1a3c665f121a1ce38b6603fa3ad2a83f89af17c459b4","headings":["Access, identifiers, and evidence conventions","1.1 Legal objects, authority, agreement, and payment instruments","1.2 Satisfaction entry, recorded release, correction, and remedies","1.3 Necessary enforcement cleanup","1.4 Enactment, current procedure, forms, models, and residual gaps","What these opinions do—and do not—resolve","M01 — Ordinary judgment ledger and the difference between proposal and payment","M02 — Authorized $6,000 compromise of a $9,000 remainder","Branch A: condition performed","Branch B: ordinary check still pending","Branch C: dishonor or reversal","Branch D: compromise-authority gap","M03 — Payment-triggered filing periods, immediate recording, and a different demand statute","M04 — A zero judgment ledger with money still held and a recorded lien","Stage 1: credited balance and custody ledger","Stage 2: mistaken additional transfer","Stage 3: conditional actual return","5.1 Statutes and enactments","5.2 Rules, orders, current procedure, and access limits","5.3 Forms, guidance, unsuccessful routes, and nonrelied material","7.1 Core legal objects, actors, agreement, and payment","7.2 Filing, release, remedies, and cleanup","7.3 Currentness, access, territory, deferred families, and models","What was actually read","What was not established","Exact counts"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AZ/pass-14","facets":{"geography":["us","us-az"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["settlement-negotiation","judgments-duration"]},"scope":"ReviewedP01exactfullagreements/remedieshold+explicitparent satisfaction/lienrelease narrowed ordinarymoneyjudgment payment/compromise/satisfaction/necessaryrelease; P03–P13UNREVIEWEDnotpremises","pending_corrections":1},{"key":"s_ar--pass-01","task":"S_AR","title":"Arkansas provider market access and consumer fees","parent_title":"Arkansas debt and debt relief law","edition":"pass-01","path":"/research/s_ar--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":38,"sources":25,"review_status":"revise","review_complete":true,"sha256":"6d860c64f5e9b8e2d96c64710d45a34ccb8cfe85911829ebf6cae13192ff9b0a","headings":["Arkansas provider market access and consumer fees","Bottom-line determination","1. Current Arkansas definitions and classifications","1.1 Statutory definition","1.2 Classification matrix","1.3 Principal reduction versus concessions and distribution","1.4 Custodial versus noncustodial models","1.5 Consumer versus business-purpose debt","1.6 Arkansas resident and remote-provider nexus","2. Prohibition, authorization, and exclusions","2.1 Covered debt adjusting is prohibited, not ordinarily licensed","2.2 Statutory exclusions","2.3 Attorney connection is not presumed sufficient","2.4 Nonprofit status is not enough","2.5 Self-creditor and institutional boundaries","3. Applicable fee structures and current limits","3.1 Arkansas debt-adjusting fee results","3.2 No verified fixed or indexed amount","3.3 Meaning and limitations of “actual expenses incurred”","3.4 Arkansas Attorney General “nominal fee” language","3.5 Separate credit-repair overlap","4. When fees may be requested or received","4.1 Arkansas state-law timing","4.2 Federal TSR baseline—only when independently applicable","4.3 Federal dedicated-account requirements","4.4 State permission and federal timing must stay separate","5. Regulator permission, lookup, and application status","5.1 No debt-adjuster application or registry located","5.2 Public route results","5.3 Named-provider status","Example 1 — Covered custodial DMP; no lawful commercial fee calculation","Example 2 — Custodial settlement with a 20% proposed fee","Example 3 — Qualifying nonprofit DMP; actual-expense ceiling","Example 4 — Lower-debt nonprofit case","Example 5 — Cancellation or early termination after prior collection","Example 6 — Pure noncustodial settlement model","Example 7 — Federal proportional allocation, assuming the TSR applies","Example 8 — Federal percentage-of-savings calculation","Example 9 — Business-purpose and entity-debt boundary","Pass coverage and gap table","Actually read or directly inspected","Not read or not fully obtained","Currentness qualification"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-01","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Arkansas provider-access/fees component; broader state categories remain required","pending_corrections":0},{"key":"s_ar--pass-02","task":"S_AR","title":"Narrow correction patch to Arkansas","parent_title":"Arkansas debt and debt relief law","edition":"pass-02","path":"/research/s_ar--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":26,"sources":19,"review_status":"accepted_with_limits","review_complete":true,"sha256":"c207a5058a4b248d68124f89fde53fd2f8292d81d98d3f3a2858cda6cf02d100","headings":["Narrow correction patch to Arkansas PASS-01","PATCH 1 — Replace PASS-01 § 3.5 in full","Replacement § 3.5 — Separate credit-repair overlap: state enactment, federal CROA, and TSR timing","A. State credit-repair coverage and exclusions must first be established","B. What Act 944 enacted about advance charges","C. State cancellation language is credit-repair-specific","D. Federal CROA separately controls where its definition applies","PATCH 2 — Replace PASS-01 claim C028","Replacement for S_AR-P1-C028","PATCH 3 — Insert new PASS-01 § 4.2A after § 4.2","§ 4.2A Federal credit-repair timing is distinct from federal debt-relief timing","PATCH 4 — Qualify PASS-01 § 1.6 and claim C013","Add the following qualification to the end of PASS-01 § 1.6","Replace the confidence/currentness field of S_AR-P1-C013 with","PATCH 5 — Replace PASS-01 claim C038","Replacement for S_AR-P1-C038","PATCH 6 — Replace PASS-01’s final “Currentness qualification”","Replacement currentness paragraph","P2 Example A — Arkansas bond/trust facts do not answer federal timing","Assumed facts solely for illustrating the boundary","Step 1 — Arkansas Act 944 state condition","Step 2 — Federal CROA","Step 3 — TSR credit-repair representation","Step 4 — TSR debt-relief representation","Result","Freshly read or visually inspected in PASS-02","Reused only as supplied coordinator checks","Not obtained or not completed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-02","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyconditionalCROA/creditrepairTSRoverlayandprimary-currentness/coveragequalification","pending_corrections":0},{"key":"s_ar--pass-03","task":"S_AR","title":"Arkansas ordinary civil money-judgment wage garnishment and exemption-claim gateway","parent_title":"Arkansas debt and debt relief law","edition":"pass-03","path":"/research/s_ar--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":76,"sources":53,"review_status":"scoped_review_complete_current_code_rules_claim_clock_local_holds","review_complete":true,"sha256":"136167c30f010d68927e9bf350aa452dd7d21cf1f98626f3f75a17806f9123de","headings":["Arkansas ordinary civil money-judgment wage garnishment and exemption-claim gateway","A1. What counts as earnings, and what the federal ceiling actually does","A2. Arkansas’s constitutional selection right is different from its special wage statute","Constitutional protection","Special statutory wage route","Binding harmonization actually read: Sanford","A3. The supported ordinary postjudgment workflow","The claim-and-contest clocks must remain separate","A4. Employer default is a separate liability proceeding","A5. Circuit, District, Small Claims, and local forms","C1. Arkansas constitutional and statutory sources","C2. Judicial decisions","C3. Federal statutes, regulations, and guidance","C4. Rules, forms, administrative inventory, and failed routes","D1. Definitions, ceilings, and exemptions","D2. Writ, notice, answer, contest, and termination","D3. Court routes, boundaries, and source limitations","E01 — Weekly disposable earnings below the threshold","E02 — Weekly earnings slightly above the threshold","E03 — Required deductions versus voluntary deductions","E04 — Nonweekly compensation: two distinct pay frequencies","E05 — Constitutional selection despite excess inventory","E06 — Household-status variation","E07 — The special 60-day wage route","E08 — Claim filed after the judgment’s 45-day schedule period","E09 — Alleged waiver","E10 — Two ordinary writs","E11 — Employer fails to answer","E12 — Debtor notice missing","E13 — Independent contractor","E14 — Social Security and wages","E15 — Stay or discharge alleged","E16 — Employment ends or judgment is satisfied","F1. Core legal coverage — 30 rows","F2. Actor-and-workflow coverage — 12 rows","F3. Currentness and source-authentication coverage — 8 rows","F4. Deferred and excluded families — 12 rows","F5. Individual county holds — 75 rows","Additional territorial holds — 4 rows","F6. Exact deferred-row crosswalk — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-03","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["judgment","levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"SettleADebt S_AR PASS-03 — SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED DEFERRED ARKANSAS ORDINARY CIVIL MONEY-JUDGMENT WAGE GARNISHMENT / EARNINGS-PERSONALPROPERTY EXEMPTION / DEBTOR CLAIM-OBJECTION-HEARING GATEWAY ONLY. No debtadjustingprohibition/provider-fee/CROApatch rerun.","pending_corrections":0},{"key":"s_ar--pass-04","task":"S_AR","title":"Arkansas ordinary money-judgment bank garnishment, ownership, protected funds, and exemption claims","parent_title":"Arkansas debt and debt relief law","edition":"pass-04","path":"/research/s_ar--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":20,"claims":98,"sources":51,"review_status":"revise_bounded_source_pinpoints_with_holds","review_complete":true,"sha256":"7129e6f725cfc7ffe37bd98030efde83a464ac1a59e75608ebfbcc6560b2bc01","headings":["Arkansas ordinary money-judgment bank garnishment, ownership, protected funds, and exemption claims","Principal conclusions","A1. The Arkansas bank process is not the payroll process","A2. Part 212: automatic protection before further exemption litigation","Coverage and identification","Initial review, lookback, and protected amount","What the bank must—and must not—do afterward","A3. Protection beyond the automatic amount","A4. Joint accounts: title is evidence, not the final answer","A5. Arkansas selection and claim clocks","A6. Preventing double counting","Court-route qualifications","Model 1 / P01 — Lookback, transactions, protected amount, and later deposit","Model 2 / P02 — Mixed joint funds, partial proof, and no double counting","Model 3 / P03 — Claim, contest, adjudication, release, and debt reduction","Twelve additional fresh boundary postures","Register conventions","E1. Federal authorities and reused constitutional source","E2. Arkansas enactments and Code reproductions","E3. Judicial decisions","E4. Rules, forms, access failures, and inventory","Forms actually readable versus held","F1. Arkansas bank process","F2. Federal automatic-review duties","F3. Ownership, statutory benefits, and selection","F4. Rules, currentness, and scope","G1. Core issues — 30 rows","G2. Currentness and authentication — 10 rows","G3. Model coverage — 3 rows","G4. Deferred families — 12 rows","G5. Individual county local holds — 75 rows","Additional territorial and institutional holds — 5 rows","G6. Deferred-row contribution crosswalk — 2 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-04","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["judgment","levy"],"subject":["ownership-transfer","exemptions-property"]},"scope":"Reviewed P01/P03 remaining ordinary bank/non-earnings money/exemption-claim gateway only","pending_corrections":3},{"key":"s_ar--pass-05","task":"S_AR","title":"Arkansas consumer-debt limitations, accrual, acknowledgment, and judgment revival","parent_title":"Arkansas debt and debt relief law","edition":"pass-05","path":"/research/s_ar--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":24,"claims":92,"sources":71,"review_status":"revise_bounded_source_date_with_material_evidence_holds","review_complete":true,"sha256":"c36cc798939739e00d6310f4639ade1b82f1ca24ad59dbc018aab54f7f5e07d0","headings":["Arkansas consumer-debt limitations, accrual, acknowledgment, and judgment revival","Principal findings","A1. First uncured default, charge-off, and later conduct","A2. Payment and acknowledgment decision matrix","A3. Tolling, moved parties, and choice of law","The former borrowing act is not current law","B1. Separate the three questions","B2. Current § 16-65-501 notice procedure","Commencement and transition","B3. Historical procedures remain relevant—but historically","C1. Procedural computation does not supply a substantive extension","C2. Narrow federal time-barred-suit overlay","Common computational assumptions","Model 1 / P01 — Written card versus open account","Model 2 / P02 — Payment, disputed authority, and later writing","Branch A: qualifying payment","Branch B: credit does not establish a qualifying debtor act","Model 3 / P03 — Judgment enforcement versus lien revival","Before the new revival notice","Timely notice branch","Late/defective branch","Balance","Thirteen additional postures","Register conventions","F1. Limitations and judgment Code bodies","F2. Enactments and commencement evidence","F3. Published decisions","F4. Rules, federal overlay, inventory, and access records","G1. Original claim, classification, and accrual","G2. Acknowledgment and partial payment","G3. Tolling and conflict law","G4. Judgment, revival, and lien","G5. Rules, federal overlay, and evidence limits","H1. Core coverage — 30 rows","H2. Currentness coverage — 9 rows","H3. Model coverage — 3 rows","H4. Deferred families — 12 rows","H5. Individual county holds — 75 rows","Additional territorial/routing holds — 5 rows","H6. P01 deferred-row contribution — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-05","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["judgment"],"subject":["limitations-revival","judgments-duration"]},"scope":"Reviewed P01 remaining ordinary consumer debt limitations/accrual/acknowledgment and money judgment revival gateway only","pending_corrections":1},{"key":"s_ar--pass-06","task":"S_AR","title":"Arkansas collection-agency classification, licensing, exemptions, security, and public procedure","parent_title":"Arkansas debt and debt relief law","edition":"pass-06","path":"/research/s_ar--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":90,"sources":40,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"0eb0980b8f457bd64ce760e8dfae690d2f4f54cb130ae19cd1d3f7af47af750d","headings":["Arkansas collection-agency classification, licensing, exemptions, security, and public procedure","Principal findings","A1. The four statutory activity branches","A2. Complete responsive § 17-24-102 exclusion inventory","A3. Remote activity and nonresident procedures","A4. Reciprocity is not automatic permission","B1. Agency, manager, employee, and location requirements","B2. Regulatory charges and security amounts","Collector-count limitations","B3. Grant, pending application, renewal, and lapse are different states","B4. Public workflow and clocks","C1. Penal sum, aggregate exposure, and cancellation","C2. Limited claim procedure","C3. A different security requirement for nonresident litigation","C4. Retroactive licensing and remedies: a retained conflict","D1. Four separate legal questions","D2. Published-opinion ledger","Model 1 / P01 — Regulatory cost, premium, and collateral","Model 2 / P02 — Verified bond tiers, with metric uncertainty isolated","Model 3 / P03 — Receipts, return, remittance, and remaining debt","Fourteen additional postures","Register conventions","F1. Enactments, rules, and agency report","F2. Arkansas Code reproductions","F3. Judicial decisions and federal definitions","F4. Failed routes, historical reproduction, and alternatives","G1. Actor, activity, and exclusions","G2. Licensing, charges, renewal, and procedure","G3. Security and receipt gateway","G4. Federal comparison and evidence limits","H1. Core coverage — 28 rows","H2. Currentness and authentication — 8 rows","H3. Model coverage — 3 rows","H4. Deferred families — 11 rows","H5. Individual county local-practice holds — 75 rows","Additional territorial and routing holds — 4 rows","H6. Exact P01 deferred-row crosswalk — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-06","facets":{"geography":["us","us-ar"],"debt_type":["unknown"],"stage":["collection"],"subject":["definitions-classification","provider-licensing","exemptions-property"]},"scope":"Reviewed P01 remaining collection-agency actor/license/exemption/security/public-procedure gateway only","pending_corrections":0},{"key":"s_ar--pass-07","task":"S_AR","title":"Arkansas consumer-debt communications, initial validation, and dispute/verification gateway","parent_title":"Arkansas debt and debt relief law","edition":"pass-07","path":"/research/s_ar--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":27,"claims":89,"sources":46,"review_status":"scoped_review_complete_communications_validation_timing_stateintegration_currentness_holds","review_complete":true,"sha256":"379eeb112d34e787e45a36999a61425290ba9e391d39addb2c8912bfd1672648","headings":["Arkansas consumer-debt communications, initial validation, and dispute/verification gateway","Principal findings","A1. Actor and debt matrix","A2. Federal interpretation is not automatic incorporation into Arkansas law","B1. State and federal conduct matrix","Arkansas workplace and identification provisions","B2. Call-frequency presumptions","B3. Voicemail, email, text, and social media","C1. Workflow and clock matrix","State–federal differences that remain held","C2. What validation information establishes—and what it does not","C3. Receipt and electronic-delivery distinctions","C4. Reporting and verification boundaries","Example 1 — Sent notice, assumed receipt, and different actual receipt","Federal assumed-receipt count","Alternative actual-receipt fact","Example 2 — Attempts, a conversation, two debts, and the rolling window","Example 3 — Oral dispute, written dispute, and original-creditor request","Example 4 — Failed electronic notice, accepted electronic dispute, and opt-out","Register conventions","G1. Arkansas sources","G2. Federal statutory sources","G3. Regulation F and linked definitions","G4. Effective-date materials","G5. Published judicial bodies","G6. Failed routes and additional narrow state text","H1. Actors and scope","H2. Contact restrictions and conduct","H3. Calls and electronic media","H4. Validation and response","H5. Currentness, procedure limits, and other necessary claims","I1. Requested-issue coverage — 28 rows","I2. Currentness and failed-source coverage — 9 rows","I3. Model coverage — 4 rows","I4. Local, territorial, and actual-record holds — 6 rows","I5. Deferred families — 10 rows","I6. Exact P01 deferred-row crosswalk — 1 row"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-07","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["collection"],"subject":["validation-disputes"]},"scope":"ReviewedP01deferredCivilremedies/collectionrow narrowed to ordinaryconsumer-debt communications/validation/dispute gateway only","pending_corrections":0},{"key":"s_ar--pass-08","task":"S_AR","title":"Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies","parent_title":"Arkansas debt and debt relief law","edition":"pass-08","path":"/research/s_ar--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":30,"claims":112,"sources":56,"review_status":"delegated_coordinator_scoped_credit_services_primary_dated_federal_contract_ledger_review_with_current_source_version_application_holds","review_complete":true,"sha256":"5900028e8b8d1eb71ee43a409d2c29a8904783b77391c633a3f15562f0423541","headings":["Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies","Principal findings","A1. Definitions and service models","A2. Every listed state exclusion","B1. What § 4-91-202 establishes","B2. Loan charges and interest are a separate restriction","B3. Separate conditional telephonic-seller registration","Public forms were read, but conflicts remain","C1. State disclosure and contract matrix","C2. Cancellation and refund clocks","C3. Prohibited representations and waivers","C4. Actor and event workflow — 14 rows","D1. The reviewed PASS-02 distinction, freshly confirmed","Federal coverage is not universal","D2. Limited remedy matrix","Repealed versus current remedies","D3. Published construction actually read","Model 1 / P01 — State-only timing versus covered federal no-advance","Assumed state-only branch","Covered federal branch","Model 2 / P02 — Partial performance, completion, contractual refund, and TSR timing","TSR branch: both event orders can satisfy the sequencing requirement","Model 3 / P03 — Cancellation, receipt, and return","Model 4 / P04 — Mixed services, full-contract cancellation, and separate security accounting","Branch A: one integrated covered contract","Branch B: legally independent service established","Provider security ledger—separate from customer money","Creditor ledger—also separate","Twelve additional fictional postures","Reading conventions","F1. Arkansas core and remedy authorities","F2. Federal statutes and rules","F3. Published decisions and failed historical routes","F4. Conditional telephonic-seller overlap","G1. Classification and exclusions","G2. Security, payment, and interest","G3. Disclosure, contract, cancellation, and nonwaiver","G4. Remedies and federal overlap","G5. Construction, currentness, and conditional registration","H1. Core requested issues — 32 rows","H2. Currentness and failed-source coverage — 9 rows","H3. Worked-model coverage — 4 rows","H4. Territorial, local, and actual-record holds — 6 rows","H5. Deferred families — 9 rows","H6. Preserved scope crosswalk — 2 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-08","facets":{"geography":["us","us-ar"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","agreements-disclosures","credit-reporting"]},"scope":"Reviewed P01 Credit-repair overlap remaining full state CSO classification/exemptions/security-contract-cancellation-remedy gateway; reviewed P02federal patch dated reuse, not rerun; P04–P07UNREVIEWEDnotpremises.","pending_corrections":0},{"key":"s_ar--pass-09","task":"S_AR","title":"Arkansas ordinary consumer money-debt litigation: court selection, venue, service, response, default, and relief","parent_title":"Arkansas debt and debt relief law","edition":"pass-09","path":"/research/s_ar--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":28,"claims":113,"sources":64,"review_status":"revise_bounded_pinpoint_caption_disposition_with_evidence_holds","review_complete":true,"sha256":"78feab456edf6fc32933c513fb27ce7abea59e7d0fe8aad3c2ea592f3d16db6a","headings":["Arkansas ordinary consumer money-debt litigation: court selection, venue, service, response, default, and relief","Principal findings","A1. Court-selection matrix","A2. Venue is not subject-matter jurisdiction or service","General circuit-court venue","Covered debt-collector venue","Preservation and waiver","B1. Commencement is more than obtaining a file number","B2. Service-method matrix","B3. Warning orders and default prerequisites","B4. Proof, actual notice, and technical defects","C1. Response and computation matrix","C2. Default is a judicial decision, not an automatic balance award","Account affidavits","Protected defendants","C3. Relief routes are not interchangeable","C4. Necessary appeal and finality boundaries","D1. Forms actually inspected","D2. Verified fee components, not an all-in quote","Model 1 / P01 — Circuit personal service and original response","Model 2 / P02 — District versus small claims: amount and actor","District-civil branch","Small-claims branch","Model 3 / P03 — Unclaimed mail, refusal, acknowledgment, and appearance","Branch A: unclaimed certified mail","Branch B: actual refusal","Branch C: acknowledgment route","Appearance branch","Model 4 / P04 — Late appearance, default application, amount, and relief","Amount arithmetic","Judgment and appeal boundary","Defective-service alternative","Twelve additional postures","Reading conventions","G1. Constitution, courts, and rule bodies","G2. Adopted orders and official forms","G3. Statutes, enactments, and federal safeguards","G4. Published opinions, additional rule, and failed routes","S059 — Failed-source record","H1. Court and venue","H2. Commencement and service","H3. Responses and default","H4. Relief and appeal","H5. Fees, forms, and currentness","I1. Core requested issues — 32 rows","I2. Actor/workflow coverage — 12 rows","I3. Currentness and failed-source coverage — 8 rows","I4. Models — 4 rows","I5. Territorial, local, and actual-record holds — 6 rows","I6. Deferred families — 10 rows","I7. Scope crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-09","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["lawsuit"],"subject":["client-money","court-entry-service"]},"scope":"ReviewedP01 Civilremedies/collection/litigation/limitations laterpass + authorizedparent/currentlitigationdimension narrowedordinaryconsumer money-debt court/venue/service/response/default/vacatur only; P04–P08UNREVIEWEDnotpremises.","pending_corrections":4},{"key":"s_ar--pass-10","task":"S_AR","title":"Arkansas official-source, identity, notice, and electronic-writing integration","parent_title":"Arkansas debt and debt relief law","edition":"pass-10","path":"/research/s_ar--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":76,"sources":31,"review_status":"scoped_review_complete_with_source_construction_currentness_application_holds","review_complete":true,"sha256":"8639aa451c589f125105a85fe299ba1b22db11809b3b5450666c100f3322dafb","headings":["Arkansas official-source, identity, notice, and electronic-writing integration","Findings that materially advance the remaining rows","A1. Amendment and adoption matrix","A2. Current state bodies: what was authenticated and what remains partial","B1. Clause-by-clause state/federal compatibility matrix","B2. The two unresolved LCM constructions","C1. Arkansas UETA and E-SIGN matrix","C2. Controlling Arkansas construction actually read","C3. E-SIGN prevents both shortcuts","Shortcut rejected: “State law says mailed, so electronics can never qualify”","Shortcut rejected: “The consumer emailed us, so we can email every required response”","D1. Clause-by-clause integration","D2. The unresolved state response questions","E1. Actual model-to-state comparison","E2. Safe-harbor and layout matrix","Model A — Paper notice, dispute, separate creditor request, and incomplete responses","Model B — Consumer electronic writing versus collector electronic response","Model C — Neutral-name LCM, individual alias, and workplace predicate","Model D — Repeated dispute, new material information, same creditor, and notice layout","D1. Response sequence","D2. Model-notice alternatives","Register conventions","H1. Arkansas enactments, rules, and adoption history","H2. UETA and published construction","H3. Necessary federal bodies and actual model","H4. Preserved prior-access history—not new authority","I1. Source chain, workplace, and identity","I2. Electronic writing and response integration","I3. Model notice and remaining limits","J1. The eight authorized remaining rows","J2. Additional issue-specific holds — 10 rows","J3. Operational-model coverage — 4 rows","J4. Deferred families — 7 rows","J5. Separate old-to-new crosswalk — 8 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-10","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":[],"subject":[]},"scope":"ReviewedP07 K09/K16/K22/K28 and Q01/Q02/Q03/Q07 only: official amendment/adoption and identity/notice/electronic state-federal integration gaps; P06/P08/P09unreviewed not premises.","pending_corrections":0},{"key":"s_ar--pass-11","task":"S_AR","title":"Arkansas ordinary consumer money-debt merits, plaintiff identity, assignment, account proof, and business records","parent_title":"Arkansas debt and debt relief law","edition":"pass-11","path":"/research/s_ar--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":28,"claims":96,"sources":45,"review_status":"delegated_coordinator_scoped_merits_assignment_records_2026orders_ledgers_with_primary_republication_currentness_judicial_application_holds","review_complete":true,"sha256":"ec6a1bf719682c63f99ab948729523099acfe0afdab33829b7d722942a3a09ef","headings":["Arkansas ordinary consumer money-debt merits, plaintiff identity, assignment, account proof, and business records","Principal findings","A1. Merits matrix","A2. Account stated is not a universal silence rule","A3. Terms that can be material to an ordinary debt claim","B1. Distinct questions","B2. Assignment evidence matrix","B3. The special assignment-proof statute","B4. Assignment does not automatically change the debt amount","C1. Evidence-gate matrix","C2. Predecessor records: the actual distinction","C3. Three affidavit/certification mechanisms must not be confused","D1. Stage and burden matrix","D2. The 2026 discovery changes matter to account-level proof","D3. Credit-card authorization: no burden reversal","M01 — Original creditor, contract ledger, disputed interest and fee","Stipulated facts","Interest","Ledger","Proof result","M02 — Two assignments, account inclusion, and servicing authority","Fictional chain","Separate purchase consideration","Account balance","Held conclusion","M03 — Foundation at summary judgment versus contested trial","Fictional records and amount","Foundation matrix","Adverse missing-record branch","M04 — Conditional settlement, provisional payment reversal, and residual balance","Stipulated legal assumptions","Cash and account ledger","Adverse branch","Register conventions","H1. Statutes and adopted amendments","H2. Evidence and procedural rules","H3. Published opinions","H4. S046 — Failed and incomplete access record","I1. Causes, plaintiff identity, and assignment","I2. Account and evidence foundations","I3. Stage, defenses, currentness, and models","J1. Core merits/proof coverage — 30 rows","J2. Workflow coverage — 8 rows","J3. Source-currentness coverage — 8 rows","J4. Models — 4 rows","J5. Additional factual and construction holds — 8 rows","J6. Territorial and actual-record coverage — 6 rows","J7. Deferred families — 9 rows","J8. Separate contribution crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-11","facets":{"geography":["us","us-ar"],"debt_type":["business"],"stage":[],"subject":["ownership-transfer","client-money","proof-evidence"]},"scope":"ReviewedP01 broad civilremedies/collection/litigation remainingrow + currentunaccepted litigation dimension/authorizedparent narrowedordinaryconsumer merits/owner-assignment/account-proof/business-records only; P04–P06/P08–P10unreviewednotpremises. No serviceclock/limitation/arbitration rerun.","pending_corrections":0},{"key":"s_ar--pass-12","task":"S_AR","title":"Arkansas residential homestead, ordinary judgment liens, execution, estates, and proceeds","parent_title":"Arkansas debt and debt relief law","edition":"pass-12","path":"/research/s_ar--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":26,"claims":94,"sources":40,"review_status":"scoped_coordinator_review_with_source_currentness_claim_clock_and_application_holds","review_complete":true,"sha256":"af3bff0916d2d799bb1cbbf88d79325081a5ae51abb4a180afca3b3f80cdefde","headings":["Arkansas residential homestead, ordinary judgment liens, execution, estates, and proceeds","Principal findings","A1. Clause-by-clause matrix","A2. Rural, urban, and minimum-area selection","B1. Actor and property-interest matrix","B2. Burden and abandonment","B3. Survivor rights after Welch","C1. Exception and consent matrix","C2. Historical spouse-signature cases require amendment comparison","C3. One exceptional creditor does not necessarily open the property to all creditors","D1. Attachment is not the same as sale or payment","D2. Actor, trigger, notice, and effect — workflow register","D3. The critical Act 389 qualification","D4. Excess and sale mechanics","E1. Estate-specific procedure is not a general $2,500 buyout","E2. Transfer and proceeds matrix","M01 — Rural versus urban classification, selection, and equity","Stipulated property facts","Rural branch","Adverse urban branch","M02 — Spouses, coownership, and an exceptional claim","Stipulated facts","Ordinary-judgment branch","Purchase-money exception branch","M03 — Voluntary versus forced sale and reinvestment","Common fictional ledger","Voluntary-sale branch","Forced-sale/reinvestment branch","M04 — Claimed quarter acre, contested excess, sale, and actual credit","Property and judgment assumptions","Fictional sequence","Distribution","Reading conventions","J1. Constitution, statutes, and enactments","J2. Bankruptcy boundary and rules","J3. Published opinions","J4. S040 — Access failures and bounded alternatives","K1. Architecture, status, area, and estates","K2. Consent, exceptions, and survivors","K3. Execution and proceeds","K4. Bankruptcy, currentness, and models","L1. Core coverage — 30 rows","L2. Currentness and source coverage — 8 rows","L3. Additional holds — 8 rows","L4. Model coverage — 4 rows","L5. Territorial and actual-record coverage — 6 rows","L6. Deferred families — 9 rows","L7. Separate contribution crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-12","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["judgment","levy"],"subject":["exemptions-property"]},"scope":"Reviewedremaining broaderproperty/currentunacceptedproperty-enforcement/authorizedparent narrowedresidentialhomestead ordinaryciviljudgment lien-execution/estate-excess/proceeds ONLY. Prior earnings/bank/court/limitations/merits savedunreviewednotpremises; no broadpersonalproperty/specialsector/bankruptcyrerun.","pending_corrections":0},{"key":"s_ar--pass-13","task":"S_AR","title":"Arkansas ordinary consumer-debt interest, usury, contractual charges, and judgment-interest accounting","parent_title":"Arkansas debt and debt relief law","edition":"pass-13","path":"/research/s_ar--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":100,"sources":49,"review_status":"scoped_review_complete_material_authority_scope_correction_UNSENT_and_holds","review_complete":true,"sha256":"1d5aaddb57fb159013727c7ccc06155ee39437e60016ce68cc29f38a87032d4f","headings":["Arkansas ordinary consumer-debt interest, usury, contractual charges, and judgment-interest accounting","Principal findings","A1. Rate architecture matrix","A2. Supersession and commencement","A3. No-rate, period, payment, and compounding provisions","B1. Charge matrix","B2. Intent and burden","B3. Interest is not identical to disclosed APR","B4. Attorney and collection charges","Historical repeal matters","D1. Federal/state actor matrix","D2. Published federal holdings and current rule status","D3. Credit-union boundary","D4. Choice of law","E1. Rate and event matrix","E2. The verified historical reference rate","E3. Accrual and allocation controls","M01 — Local nonbank loan with no agreed rate","Assumptions","First interval","Second interval","M02 — Upfront lender charge versus genuine third-party cost","Common facts","Branch A: retained lender compensation","Branch B: actual independent third-party service","M03 — State voidness versus a federal paid-interest remedy","State § 3 branch","Distinct national-bank counterfactual","M04 — Prejudgment interest, entry-date rate, fee quantification, and partial payment","Stipulated legal facts","Rate","Prejudgment amount","First postjudgment interval and actual payment","Second interval","Adverse branches","Register conventions","I1. Arkansas architecture and statutes","I2. Arkansas published cases","I3. Federal statutes, regulations, and agency actions","I4. Federal decisions, reference rate, and access limits","S048 — Failed and uncompleted official routes","J1. Architecture and charges","J2. Remedies and actor gates","J3. Judgment accounting and models","K1. Core coverage — 30 rows","K2. Actor/workflow coverage — 10 rows","K3. Currentness and source gaps — 8 rows","K4. Additional factual/legal holds — 8 rows","K5. Model coverage — 4 rows","K6. Territorial and actual-record holds — 6 rows","K7. Deferred families — 10 rows","K8. Documented-scope crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-13","facets":{"geography":["us","us-ar"],"debt_type":["contracts"],"stage":["judgment"],"subject":["interest-charges-math","agreements-disclosures","judgments-duration"]},"scope":"ReviewedP01exactdeferred Local/tribal/contract/constitutional/preemption row +authorizedparent narrowedordinaryconsumer debt interest/usury/chargeclassification/remedy/necessaryactor-exportation gate/judgmentinterest accounting. P04–06/P08–12UNREVIEWEDnotpremises; no provider-fee/limitation/court/merits/homestead rerun.","pending_corrections":1},{"key":"s_ar--pass-14","task":"S_AR","title":"Arkansas ordinary consumer contract/account arbitration: agreement, delegation, enforcement, and award review","parent_title":"Arkansas debt and debt relief law","edition":"pass-14","path":"/research/s_ar--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":33,"claims":100,"sources":39,"review_status":"delegated_coordinator_scoped_arbitration_formation_stay_award_calendars_with_source_currentness_judicial_application_holds","review_complete":true,"sha256":"51900f304649493395c7b813918dc6442bcc1ebd8ac0ac9de861c3db0258aa31","headings":["Arkansas ordinary consumer contract/account arbitration: agreement, delegation, enforcement, and award review","Principal findings","A1. Regime matrix","Enactment and codification qualifications","A2. Court authority, venue, and federal jurisdiction","B1. Formation and evidence matrix","Three Arkansas formation decisions must not be collapsed","B2. Who decides which challenge?","B3. Institutional rules and the limits of the actual reading","B4. Neutral defenses and preemption","C1. Party-rights matrix","D1. Court-enforcement matrix","D2. Litigation-conduct waiver after Morgan","D3. Stays and appeal categories","E1. Before an award","E2. Award, court judgment, and payment are separate events","E3. Arkansas vacatur grounds, without importing an extra condition","E4. Review limits and jurisdiction","M01 — Online agreement, contested version, and delegation","Common hypothetical setting","M02 — Original creditor, assignee, and servicer","Stipulated chain","Limited principal ledger","M03 — Litigation conduct, requested stay, and appeal","Alternative conduct histories","Federal-court branch","Arkansas-court branch","M04 — Award notice, months versus days, and separate judgment/payment","Stipulated starting event","Arkansas ninety-day illustration","FAA three-month illustration","State fraud-discovery alternative","Other windows","Amount, judgment, and cash","Register conventions","I1. Statutes, rules, and narrow supporting law","I2. Published Arkansas opinions","I3. Supreme Court and Eighth Circuit opinions","I4. Provider materials and failed access","S039 — Failed routes and bounded recoveries","J1. Regime, formation, and delegation","J2. Parties, procedure, waiver, and stays","J3. Arbitration process and award review","J4. Computation, models, and retained limits","K1. Core coverage — 30 rows","K2. Workflow coverage — 10 rows","K3. Currentness and source gaps — 8 rows","K4. Models — 4 rows","K5. Additional holds — 8 rows","K6. Territorial and actual-record holds — 6 rows","K7. Deferred families — 9 rows","K8. Separate scope crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-14","facets":{"geography":["us","us-ar"],"debt_type":["contracts"],"stage":[],"subject":["agreements-disclosures","arbitration-adr"]},"scope":"ReviewedP01 expressly preserved full contracts/remedies + explicit parent arbitration narrowed ordinary consumer arbitration formation/delegation/assignment/enforcement-waiver-stay-appeal/necessary award gateway. P04–P06/P08–P13 UNREVIEWED not premises. No broad service/merits/limitations/interest/property/provider rerun.","pending_corrections":0},{"key":"s_ar--pass-15","task":"S_AR","title":"Arkansas ordinary money-judgment payment, compromise, satisfaction, and necessary release","parent_title":"Arkansas debt and debt relief law","edition":"pass-15","path":"/research/s_ar--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":28,"claims":96,"sources":40,"review_status":"scoped_review_complete_with_source_currentness_judicial_application_holds","review_complete":true,"sha256":"37ff30245e932ee950563a61639db7ddc3cb263d929f1a589662156a23f017ab","headings":["Arkansas ordinary money-judgment payment, compromise, satisfaction, and necessary release","Principal findings","A1. Do not collapse these events","A2. Actor and authority matrix","Receipt, compromise, and entry authority","B1. Ordinary compromise and accord","B2. “Paid in full” instruments: the actual § 4-3-311 conditions","Contrasting published applications","B3. Payment method and discharge are not the same for every transaction","B4. Allocation and joint obligations","C1. Section 16-65-602 matrix","What the statute does not establish here","C2. Judicial setoff is not imaginary cash","C3. Proof, service, correction, and the pending-motion boundary","D1. Cleanup matrix","Execution procedure and exclusivity","D2. Limited officer-default provisions","D3. Public form and federal comparison","E1. Material enacted/adopted changes","E2. Published-opinion matrix","M01 — $10,000 principal, $600 interest, $400 costs, and a $2,000 actual credit","Stipulated facts","Allocation is not supplied by that arithmetic","Proposed versus actual payment","M02 — Authorized $6,000 conditional compromise of a $9,000 remainder","Legal assumptions","Completed-payment branch","Pending-check branch","Dishonor branch","Authority-gap branch","M03 — Satisfaction-entry timeline","Branch A: completed satisfaction on August 3","Branch B: check delivered August 3, legally paid August 6","Branch C: full satisfaction appears by execution return","Noncompliance and remedy","M04 — Satisfied judgment, unapplied funds, and duplicate-credit risk","Positive branch: held money was never credited","Adverse branch: the clerk’s $900 was already remitted and credited","Register conventions","H1. Statutes and enacted amendments","H2. Rules, forms, and necessary boundary law","H3. Published judicial bodies","H4. Excluded authority and access failures","I1. Objects, authority, compromise, and instruments","I2. Entry, remedy, and cleanup","J1. Core coverage — 30 rows","J2. Workflow coverage — 12 rows","J3. Currentness and source coverage — 8 rows","J4. Model coverage — 4 rows","J5. Territorial and actual-record holds — 6 rows","J6. Deferred families — 9 rows","J7. Separate contribution crosswalk — 3 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-15","facets":{"geography":["us","us-ar"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["settlement-negotiation","judgments-duration"]},"scope":"ReviewedP01 exact broader contract/remedy hold + parent explicit satisfaction/lienrelease narrowed ordinarymoneyjudgment payment-compromise-satisfaction and necessary release/cleanup. P04–06/P08–14 UNREVIEWED not premises. No broad interest/property/merits/limitations/arbitration rerun.","pending_corrections":0},{"key":"s_ar--pass-16","task":"S_AR","title":"Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency","parent_title":"Arkansas debt and debt relief law","edition":"pass-16","path":"/research/s_ar--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":28,"claims":112,"sources":39,"review_status":"reviewed_scoped_partial_revise_UNSENT","review_complete":true,"sha256":"264970aeb1a0bf18146db0dbaf0a8441f1d896cd2e3649d8ade026a72b924f98","headings":["Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency","Principal findings","A1. Definitions and classification matrix","A2. Attachment, perfection, priority, and repossession are separate","The conditional 2025 title amendment","A3. Narrow licensing gates","B1. Default and cure","Course of dealing: Morgan and Minor","B2. Right to take versus lawful manner","Police participation: exact limits of the current federal case","B3. Personal belongings and care of collateral","B4. Judicial recovery and federal boundaries","C1. Version and transition matrix","C2. Notice recipients, timing, contents, and method","The actual revised statutory form","C3. Sale quality and purchaser limits","D1. Separate alternatives","D2. Sixty-percent and ninety-day rules","E1. Cash and obligation matrix","E2. Consumer surplus/deficiency explanation","E3. Consumer deficiency consequences","E4. Remedy matrix","M01 — Actual proceeds, expenses, credits, surplus or deficiency","Common assumptions","Higher-sale branch","Lower-sale branch","Refund/credit branch","M02 — Consumer notice timing versus the nonconsumer safe harbor","Stipulated sequence","Working branch","Adverse branches","M03 — Redemption, reinstatement, and acceptance are alternatives","A. Redemption","B. Contractual reinstatement","C. Full acceptance","D. Mandatory-disposition threshold","M04 — Defective notice/sale, deficiency dispute, and potential remedy","Deficiency branch","Statutory-minimum illustration","Register conventions","I1. UCC enactments and operative sections","I2. Vehicle, licensing, judicial, and federal sources","I3. Published opinions","I4. S040 — Failed and discovery-only routes","J1. Classification, title, and actors","J2. Default, peace, judicial recovery, and federal boundaries","J3. Version, notice, and sale","J4. Redemption, accounting, remedies, and models","K1. Core coverage — 32 rows","K2. Workflow coverage — 12 rows","K3. Currentness/source coverage — 8 rows","K4. Model coverage — 4 rows","K5. Territorial and actual-record holds — 6 rows","K6. Deferred families — 10 rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AR/pass-16","facets":{"geography":["us","us-ar"],"debt_type":["auto"],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"ReviewedP01exactsecuredsectorhold+explicitparentvehicles/repo/deficiency narrowed consumer vehicle default/repossession/disposition/redemption/surplus-deficiency only; P04–06/P08–15unreviewednotpremises","pending_corrections":1},{"key":"s_ca--main","task":"S_CA","title":"California Debt and Debt-Relief Law — Deep Research Reference","parent_title":"California debt and debt relief law","edition":"initial","path":"/research/s_ca--main/","kind":"initial","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-22","tables":6,"claims":63,"sources":50,"review_status":"revise","review_complete":true,"sha256":"ec7b43d71b4a69a5b85f9d4afb778ecefd082ac63b8db47c6288887896812060","headings":["Scope, verification standard, and executive matrix","Debt settlement, counseling, proraters, and debt collection","Limitations, lawsuits, judgments, evidence, and arbitration","Garnishment, levies, exemptions, and bankruptcy boundary","Mortgages, vehicles, rent, medical, utilities, support, and tax debt","Consumer remedies, complaints, vulnerable consumers, and jurisdictional boundaries","Worked examples and practical comparisons","Source, claim, coverage, gaps, and researcher self-check","Source register","Claim/evidence register","Granular coverage table","Publication opportunities","Gap register and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CA/initial","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["collection","settlement"],"subject":["counseling-dmp","settlement-negotiation","validation-disputes"]},"scope":"Research California individually and extensively. Do not give a generic US article. Locate controlling current statutes/regulations/court rules, official regulator/license lookup, attorney-general guidance and court self-help/forms. Build a section-by-section verified matrix with exact citations for:\n1. Debt-adjustment/settlement/DMP/counseling definitions, licensing/registration/bonds, exemptions including attorney/nonprofit scope, permitted services, fee timing/caps/formulas, contracts/cancellation/customer funds, enforcement.\n2. Collection licensing, original-creditor versus third-party coverage, prohibited communications/conduct, documentation/validation and credit reporting overlays.\n3. Limitation by debt/contract type, accrual/choice of law, acknowledgment/partial-payment revival, debt-sale implications; separate credit reporting and judgment clocks.\n4. Service/venue/answer deadlines, court-specific rules, default/vacatur, evidence/standing, arbitration, judgment interest/duration/renewal, satisfaction and lien release. Give official forms and clearly bounded dated examples.\n5. Wage/bank garnishment, minimum balances, benefits, homestead/property exemptions, claiming exemptions and debt-specific exceptions; distinguish federal bankruptcy elections and ordinary collection protections.\n6. Mortgages/foreclosure, vehicles/repo/deficiency, rent/eviction arrears, medical billing/assistance/reporting, utilities/shutoff, support/fines/government overpayments and state/local tax relief. State which topic needs a narrower followup.\n7. State consumer remedies, complaints/legal aid, coercion/identity theft, military/older-adult protections, future-effective/pending changes and county/local/tribal limits.\nProvide source and claim registers, coverage for EACH matrix category, useful process examples and specific gaps. No cell is verified without its actual authority and applicability. Distinguish unknown/inaccessible from nonexistent. Never guess a fee cap, limitation period or deadline.","pending_corrections":0},{"key":"s_ca--correction-01","task":"S_CA","title":"SCA Correction-01 — California Provider Regulation and Source Provenance","parent_title":"California debt and debt relief law","edition":"correction-01","path":"/research/s_ca--correction-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":48,"sources":39,"review_status":"revise","review_complete":true,"sha256":"9b0408ab361a6cf1c7153ef124152d6055798a6a20d60f13526ac8880113dd06","headings":["1. Corrected regulatory framework","Registration timing","Regulatory fees are not consumer settlement fees","Sunset and later developments","2. Actor/activity/exemption matrix","3. Application, annual reporting, and compliance process","4. Source register — correction evidence","5. Claim/evidence register — correction claims","6. Per-original-claim disposition","7. Granular correction coverage table","8. Source provenance and original-register reconciliation","9. Necessary corrections to worked examples","10. Publication holds and concrete unresolved questions","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CA/correction-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":[],"subject":["provider-licensing","research-quality"]},"scope":"","pending_corrections":0},{"key":"s_ca--correction-02","task":"S_CA","title":"SCA Correction-02 — Source Provenance and Coordinator Primary-Evidence Integration","parent_title":"California debt and debt relief law","edition":"correction-02","path":"/research/s_ca--correction-02/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":6,"claims":23,"sources":24,"review_status":"revise","review_complete":true,"sha256":"8a6c10c629d2b0476015fdf78cf007daf7368c88cc7014b60cbd4640d45912db","headings":["1. Provenance correction","2. Complete 19-row mirror-provenance disposition","3. Official primary-source evidence — coordinator reuse","Corrected source register","4. Selected claim/evidence updates","Existing claim updates","5. Granular coverage and remaining-evidence register","6. Residual publication holds","7. Researcher self-check","Final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CA/correction-02","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":["repossession"],"subject":["research-quality"]},"scope":"","pending_corrections":0},{"key":"s_co--pass-01","task":"S_CO","title":"SCO Colorado provider market access and consumer fees","parent_title":"Colorado debt and debt relief law","edition":"pass-01","path":"/research/s_co--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":37,"sources":23,"review_status":"revise","review_complete":true,"sha256":"5c4f5a45f73d2cc5358d011dcca7f4e7f6357f9b6b67d07c2ce3d66947d283bd","headings":["A. Substantive findings","1. Classification: what conduct Colorado regulates","2. Market access, exclusions, and failure cases","3. Consumer fee structures, amounts, indexing, and refunds","4. When fees may actually be requested or received","5. Actual application, renewal, lookup, and legal status","6–7. Worked examples and component coverage","B. Source table","C. Claim table","D. Worked examples and coverage","D.1 Bounded plain-text examples","D.2 Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CO/pass-01","facets":{"geography":["us","us-co"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_co--pass-02","task":"S_CO","title":"Rule 4, education-fee refund language, and administrative fee authority","parent_title":"Colorado debt and debt relief law","edition":"pass-02","path":"/research/s_co--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":14,"sources":12,"review_status":"revise","review_complete":true,"sha256":"60612eb9fdaf244af5d8e5d59a494aa8febc402bcc197ec43eccc25433924c99","headings":["Rule 4, education-fee refund language, and administrative fee authority","A. Substantive findings","1. Official final Rule 4: identified, but its body remains held","2. Exact settlement-allocation text: secondary transcription confirmed, official-final comparison incomplete","3. Education fee and 90-day refund: provenance resolved; current legal construction remains held","4. Proposed basis recovered; final basis not recovered","5. Administrative registration/renewal fees: amounts verified; dated establishment still unresolved","B. Actual source register — documents or substantive passages read","C. Discovery and procedural metadata — separate from the source register","D. Failed-route and access record","E. PASS-02 claim table","F. Actual earlier-claim patch map","G. Dependency crosswalk — carried findings are not fresh readings","H. Component coverage and exact remaining investigations","I. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CO/pass-02","facets":{"geography":["us","us-co"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Recover official full current4CCR902-2Rule4(a)(1),(b),(b)(1) and finaladopted/basis documents. Compare suppliedC022/C024 against secondaryCornelltranscription; resolve educationfee/90dayrefund/crossreference and exactsettlementallocationwording. Trace datedinstrument for posted1500/5000administrativefees separately. No repeat223math/federaloverview/historicalCPI. Ifretrievalstillfails giveexactaccessrecord, no inventedtext.","pending_corrections":0},{"key":"s_ct--pass-01","task":"S_CT","title":"SCT Connecticut provider market access and consumer fees","parent_title":"Connecticut debt and debt relief law","edition":"pass-01","path":"/research/s_ct--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":38,"sources":34,"review_status":"revise","review_complete":true,"sha256":"56aa050f54600c0ca5a7d2d86379e3c39031bb8a34fc92a6acabf20c8978f719","headings":["A. Substantive answers to the seven scope questions","1. Classification depends on conduct","2. Permission, prohibitions, and exemptions","3. Applicable fee structures, amounts, bases, and remaining holds","4. When fees may be requested or received","5. Actual public application and authorization verification","6. Bounded worked examples","7. Component coverage and subsequent investigations","B. Source register","Controlling text, fee authority, interpretations, and decisions","Access failures and currentness evidence","C. Claim register","Classification and permission","Fees, timing, cancellation, and verification","D. Worked examples and component coverage","Worked examples","Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-01","facets":{"geography":["us","us-ct"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; all other state categories remain required","pending_corrections":0},{"key":"s_ct--pass-02","task":"S_CT","title":"SCT Connecticut DMP adjustment-fee regulation investigation","parent_title":"Connecticut debt and debt relief law","edition":"pass-02","path":"/research/s_ct--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":10,"sources":12,"review_status":"revise","review_complete":true,"sha256":"c3acbb30e26fb038875fd22d5cc37e55270a17c4322da2ec118195e744a5d8d1","headings":["Bottom-line finding","1. Current statutory fee rules for Connecticut debt adjustment","Current numerical result established in this pass","2. Current official regulation sources","Department of Banking compilation","Secretary of the State eRegulations","3. Adoption and amendment history actually established","1967 — statutory regulation authority originates","1979 — nonprofit-only restructuring","2002 — licensing changes, not a verified consumer-fee ceiling","2009 — for-profit debt adjustment restored; written fee agreement/free counseling added","2014 onward","Final disposition for the coordinator"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-02","facets":{"geography":["us","us-ct"],"debt_type":[],"stage":[],"subject":["counseling-dmp","fees-outcomes"]},"scope":"Only retrieve complete current public official Connecticut adjustment-fee regulations and operative adoption/repeal history to determine the DMP numerical ceiling. Existing failed eRegulations routes are documented inPASS01; use materially new readable public route; no API/access workaround, no substitution of negotiation10percent schedule. State-only periodic-payment interpretation is a separate later scope.","pending_corrections":0},{"key":"s_ct--pass-03","task":"S_CT","title":"SCT Connecticut consumer agreements and client-money duties","parent_title":"Connecticut debt and debt relief law","edition":"pass-03","path":"/research/s_ct--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":3,"claims":45,"sources":14,"review_status":"revise","review_complete":true,"sha256":"d7db8703b42e342da5e9145f36c34f5df1e439c15f4354ec5ccf7af5feef94ee","headings":["1. Consumer agreements: negotiation versus DMP/debt adjustment","A1. Debt negotiation / debt settlement","Electronic execution","Coverage and exceptions needed for applying the contract rule","A2. Debt adjustment / custodial DMP","2. Cancellation, termination, refunds, and money return","B1. Debt negotiation statutory cooling-off right","The statutory counting rule","What cancellation does not answer","B2. DMP/debt-adjustment termination and voiding","3. Client-money custody, control, accounts, and disbursement","C1. Custodial DMP/debt-adjustment funds","Creditor disbursement","C2. Noncustodial debt negotiation","2026 Connecticut enforcement confirms the functional distinction","C3. Money-transmission overlay","Authorized delegates / third parties","4. Bounded examples","Example 1 — negotiation cancellation: exact statutory counting","Example 2 — custodial DMP deposit requirement without inventing the fee","Example 3 — operating account is the wrong account for creditor-benefit DMP money","Example 4 — DMP voidability for an undisclosed charge","Example 5 — creditor does not agree to proposed DMP payment","Example 6 — money-transmission seven-calendar-day rule: endpoint deliberately held","5. Currentness, enactment status, and regulations","Relevant Chapter 669 currentness","Later 2026 acts","Regulations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-03","facets":{"geography":["us","us-ct"],"debt_type":[],"stage":["settlement"],"subject":["agreements-disclosures","counseling-dmp","settlement-negotiation","client-money"]},"scope":"Independent required agreements/cancellation/client-money duties, with explicit2026supplement/currentness check and all DMPfee/historyholds preserved.","pending_corrections":0},{"key":"s_ct--pass-04","task":"S_CT","title":"SCT bounded electronic-consumer-delivery correction to","parent_title":"Connecticut debt and debt relief law","edition":"pass-04","path":"/research/s_ct--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":16,"sources":4,"review_status":"accepted_with_limits","review_complete":true,"sha256":"e5428d9bbac0e379e38d0868a0e8f89d55e4299afc2eee53e3cc3d486739256f","headings":["Disposition","A. Focused substantive addition","1. Connecticut UETA baseline","2. Connecticut written-information and retainability rules","3. Connecticut’s narrow consumer nonreceipt presumption","4. When 15 U.S.C. §7001(c) is triggered","5. Federal preconsent disclosures and affirmative consent","6. Hardware/software disclosure and access demonstration","7. Later technology changes","8. Withdrawal and paper records","9. Content, timing, verification, and contract-validity limits","10. Cancellation-method distinction","B. Original PASS-03 claim qualification/replacement map","C. Source table","D. Corrective claim table","E. Tiny bounded delivery example","F. Coverage patch"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-04","facets":{"geography":["us","us-ct"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"Only PASS03electronicdeliverycoverage:1-284,1-286and conditional7001(c), no broad rerun","pending_corrections":0},{"key":"s_de--pass-01","task":"S_DE","title":"SDE — Delaware provider market access and consumer fees","parent_title":"Delaware debt and debt relief law","edition":"pass-01","path":"/research/s_de--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":19,"sources":9,"review_status":"revise","review_complete":true,"sha256":"2e4a8d5967c147c0bf6390f9fb9b9f4e6a38961baa2a55a3629438165575a494","headings":["A. Substantive findings","Executive determination","1. Statutory classification and territorial reach","2. Permission and licensing","3. Consumer fee structures","4. Fee timing: Delaware versus federal law","5. Refunds, cancellation and failure cases","B. Primary-source register","C. Claim-to-evidence register","Critical distinction: 18% is not an earned-fee schedule","D. Bounded worked examples","Example DE-E01 — Lower-debt DMP","Example DE-E02 — Principal-reduction aggregate cap","Example DE-E03 — Settlement without customer payment","Example DE-E04 — Prior-fee consistency","Example DE-E05 — Cancellation and noncustodial termination","Example DE-E06 — No-agreement counseling","E. Component coverage and gap register","Exact next investigations","F. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DE/pass-01","facets":{"geography":["us","us-de"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Delawareprovider-access/fees component only; allbroader statecategories required","pending_corrections":0},{"key":"s_de--pass-02","task":"S_DE","title":"SDE bounded qualification and roster-date correction","parent_title":"Delaware debt and debt relief law","edition":"pass-02","path":"/research/s_de--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":3,"claims":4,"sources":5,"review_status":"revise","review_complete":true,"sha256":"7fff3be49dee2d4b8d236ed036645df245bb49580b5cdccbefd42327ab44e0a9","headings":["1. Minimal replacement claim table","2. Minimal source and version usage checks","3. Focused coverage patch","4. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DE/pass-02","facets":{"geography":["us","us-de"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyC006/C008/C009/C010agreement-counseling/feeexception/indexmechanismqualificationsandS004/C015conflictingrosterdates","pending_corrections":0},{"key":"s_de--pass-03","task":"S_DE","title":"SDE date-only provenance correction","parent_title":"Delaware debt and debt relief law","edition":"pass-03","path":"/research/s_de--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"55cb4cb9bef6185496475ceed0e3224d8591cd9ccaac0498f31951099c397830","headings":["Preserved holds","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DE/pass-03","facets":{"geography":["us","us-de"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P2 actual-access-date provenance","pending_corrections":0},{"key":"s_de--pass-04","task":"S_DE","title":"SDE Delaware consumer-money custody, trust-account, administrator, and return component","parent_title":"Delaware debt and debt relief law","edition":"pass-04","path":"/research/s_de--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":22,"sources":11,"review_status":"revise","review_complete":true,"sha256":"d042f484d35dcdb57957b08cb7002285f40aa25d80e8d25ced0525c86d8db3c5","headings":["Executive disposition","1. Custody classifications and administrator boundaries","S_DE-P4-C001 — Trust trigger and account definition","S_DE-P4-C002 — Indirect custody and delegated control","S_DE-P4-C003 — Statutory noncustody test","S_DE-P4-C004 — Transferred accounts and administrators","Account and business-model matrix","2. Account institution, ownership, segregation, deadlines, and withdrawals","Account institution and designation — S_DE-P4-C005","Ownership and beneficial interest — S_DE-P4-C006","Segregation and pooled accounting — S_DE-P4-C007","Deposit and creditor-remittance timing — S_DE-P4-C008","Permitted transfers and withdrawals — S_DE-P4-C009","Interest and financial-institution charges — S_DE-P4-C010","Reserves, shortages, reversals, and errors — S_DE-P4-C011","Account relocation — S_DE-P4-C012","3. Ledgers, statements, access, reporting, examinations, and records","Consumer accountings — S_DE-P4-C013","Record retention and account files — S_DE-P4-C014","Regulatory access and examination — S_DE-P4-C015","Public application and renewal materials — S_DE-P4-C016","Renewal reporting and insurance — S_DE-P4-C017","Obsolete overdraft cross-reference — S_DE-P4-C018","4. Cancellation, termination, plan failure, rejection, and cessation","Return-mechanics matrix","S_DE-P4-C019 — Cancellation language does not erase later statutory refunds","S_DE-P4-C020 — No inferred fee deduction","5. Delaware money-transmission and administrator gateway","S_DE-P4-C021 — Separate Chapter 23 analysis may be required","Implementation status is unresolved","Gateway result","6. Conditional federal dedicated-account overlay","S_DE-P4-C022 — State noncustody is not federal dedicated-account clearance","Distinctions preserved","S_DE-P4-E01 — Cleared pooled-trust receipt and termination before final remittance","S_DE-P4-E02 — Reconciliation shortage","S_DE-P4-E03 — Pending ACH is not assumed final","S_DE-P4-E04 — Failed plan and unproven claimed fee","S_DE-P4-E05 — Federal dedicated-account withdrawal","S_DE-P4-E06 — Creditor rejection followed by consumer termination","Freshly read in PASS-04","Reused without rerunning","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DE/pass-04","facets":{"geography":["us","us-de"],"debt_type":[],"stage":["repossession"],"subject":["client-money"]},"scope":"ExactreviewedP1remainingconsumerfunds/trust/account/administrator/return component, P2/P3fee-qualification/date/currentReg102/provider/broaderholdsretained.","pending_corrections":0},{"key":"s_de--pass-05","task":"S_DE","title":"SDE bounded timing and predicate correction","parent_title":"Delaware debt and debt relief law","edition":"pass-05","path":"/research/s_de--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":5,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"a7f8c780a9eac34ddb7422594c7be1c6b2799a175a39d9275b363b9f775d025d","headings":["1. Exact replacement table","2. Corrected substantive findings","A. Deposit and creditor-disbursement clocks","Corrected event-matrix cells","Effect on the saved examples","B. Thirty-day cancellation right versus refund timing","Corrected return-matrix cell","C. Federal summary precision","Corrected account/model-matrix cell","3. Corrective claim table","4. Corrected source/version usage cells","5. Focused coverage patch","6. Preserved examples and holds","7. Researcher self-check","Freshly read","Reused without rerunning","Not read or not performed in PASS-05"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DE/pass-05","facets":{"geography":["us","us-de"],"debt_type":[],"stage":[],"subject":[]},"scope":"P4depositfinality/eightdayclock,extendedcancellationwindow-versusrefunddeadline,andcompletefederalpredicateparaphrase precisiononly; corefunds/broaderholdsretained.","pending_corrections":0},{"key":"s_fl--main","task":"S_FL","title":"Florida Debt and Debt-Relief Law — SFL Comprehensive Reference Investigation","parent_title":"Florida debt and debt relief law","edition":"initial","path":"/research/s_fl--main/","kind":"initial","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-22","tables":5,"claims":66,"sources":46,"review_status":"revise","review_complete":true,"sha256":"91e18eeec862d83f01717e13dd13fca747b2b9bb9deb9fecf02bc09f0adc27f2","headings":["Executive findings and verified Florida matrix","Section-by-section status matrix","Debt relief, collection practices, limitation periods, and credit reporting","Debt settlement, debt-management plans, counseling and customer funds","Collection agencies, original creditors, debt buyers and federal overlays","Limitation, accrual, revival and credit-reporting clocks","Litigation, judgments, exemptions, secured debts and special debt classes","Court process, answer deadlines, defaults, evidence and arbitration","Judgment life, interest, satisfaction and liens","Garnishment, bank accounts and ordinary collection exemptions","Mortgages, vehicles, rent, medical debt and utilities","Support, fines, government overpayments and tax debt","Consumer remedies, assistance, coercion, identity theft, military/older adults, and jurisdictional boundaries","State complaints and private remedies","Coercion, identity theft and vulnerable consumers","Current, future-effective and proposed court changes","County, municipal, local and tribal limits","Worked examples and practical comparisons","Florida debt-management fee examples","Limitation example","Judgment-interest example","Judgment-lien example","Head-of-family wage examples","Vehicle-exemption example","Owner-occupied mortgage deficiency example","Repossession deficiency example","Source register and claim/evidence register","Source register","Claim/evidence register","Granular coverage, opportunities, gaps, and researcher self-check","Required seed-topic coverage","Publication opportunities","Unresolved questions and publication holds","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_FL/initial","facets":{"geography":["us","us-fl"],"debt_type":[],"stage":[],"subject":[]},"scope":"Research Florida individually and extensively. Do not give a generic US article. Locate controlling current statutes/regulations/court rules, official regulator/license lookup, attorney-general guidance and court self-help/forms. Build a section-by-section verified matrix with exact citations for:\n1. Debt-adjustment/settlement/DMP/counseling definitions, licensing/registration/bonds, exemptions including attorney/nonprofit scope, permitted services, fee timing/caps/formulas, contracts/cancellation/customer funds, enforcement.\n2. Collection licensing, original-creditor versus third-party coverage, prohibited communications/conduct, documentation/validation and credit reporting overlays.\n3. Limitation by debt/contract type, accrual/choice of law, acknowledgment/partial-payment revival, debt-sale implications; separate credit reporting and judgment clocks.\n4. Service/venue/answer deadlines, court-specific rules, default/vacatur, evidence/standing, arbitration, judgment interest/duration/renewal, satisfaction and lien release. Give official forms and clearly bounded dated examples.\n5. Wage/bank garnishment, minimum balances, benefits, homestead/property exemptions, claiming exemptions and debt-specific exceptions; distinguish federal bankruptcy elections and ordinary collection protections.\n6. Mortgages/foreclosure, vehicles/repo/deficiency, rent/eviction arrears, medical billing/assistance/reporting, utilities/shutoff, support/fines/government overpayments and state/local tax relief. State which topic needs a narrower followup.\n7. State consumer remedies, complaints/legal aid, coercion/identity theft, military/older-adult protections, future-effective/pending changes and county/local/tribal limits.\nProvide source and claim registers, coverage for EACH matrix category, useful process examples and specific gaps. No cell is verified without its actual authority and applicability. Distinguish unknown/inaccessible from nonexistent. Never guess a fee cap, limitation period or deadline.","pending_corrections":0},{"key":"s_ga--pass-01","task":"S_GA","title":"SGA Georgia provider market access and consumer fees","parent_title":"Georgia debt and debt relief law","edition":"pass-01","path":"/research/s_ga--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":36,"sources":26,"review_status":"revise","review_complete":true,"sha256":"6003edafd47bdbf23070aa35a5ce5cf40810c315fceda7dcb345a145bd905dfc","headings":["A. Substantive findings","1. What Georgia classifies as debt adjusting","2. Prohibited, conditionally permitted, and exempt models","3. Georgia fee bases, limits, adjustments, and refunds","4. When fees may be requested or received","5. Public market-access procedure actually verified","6–7. Examples and component coverage","B. Source register","B1. Documents and operational sources","B2. Section URLs belonging to the single chapter document S002","B3. Failed routes material to unresolved issues","C. Claim table","D. Worked examples and coverage/gap table","D1. Plain-text worked examples","D2. Full component coverage and remaining investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_GA/pass-01","facets":{"geography":["us","us-ga"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_ga--pass-02","task":"S_GA","title":"Current Chapter 18-5 evidence and the monthly fee denominator","parent_title":"Georgia debt and debt relief law","edition":"pass-02","path":"/research/s_ga--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":18,"sources":17,"review_status":"revise","review_complete":true,"sha256":"43325b7c6b44a469d583bfe2b82b947da2d9270e46ed4a10b9f2e6f43a1c6b0b","headings":["Current Chapter 18-5 evidence and the monthly fee denominator","A. Substantive findings","1. Current Chapter 18-5: stronger enactment evidence, but authentication remains incomplete","2. Gross versus net: what is resolved by the actual passages","3. Footnote 2 and the settlement boundary","4. Later Pries disposition and Georgia appellate authority","5. The two $400 premises remain conditional","B. Actual source register — freshly read documents","C. PASS-02 claim table","D. Actual earlier-claim patch map","Dependency crosswalk — earlier evidence reused or left untouched","E. Failed routes and discovery leads — not substantive source authority","F. Component coverage and remaining-evidence table","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_GA/pass-02","facets":{"geography":["us","us-ga"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Resolve onlyauthenticatedcurrentChapter18-5 and gross/netmonthlybase conflict. Obtain currentofficialchapter or enactedamendmentchain; preserveAGHTML2006header. ReopenPriesDoc19pp4-7/n2; determine laterdisposition/controllingGeorgiaappellateinterpretation and comparecurrentAG2025ConsumerEdguidance. Explainwhich400total/400distributionexamplepremisesremainconditional. Do notchooseguidanceshorthand overcourt orlabeldistrictpleadingorder statewideprecedent. NofullGeorgiaoverview.","pending_corrections":0},{"key":"s_hi--pass-01","task":"S_HI","title":"SHI Hawaii provider market access and consumer fees","parent_title":"Hawaii debt and debt relief law","edition":"pass-01","path":"/research/s_hi--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":39,"sources":25,"review_status":"revise","review_complete":true,"sha256":"82242f25b4b74f0bdf71d9a28423b72d136367a4f365dc22d3df19fa0ce1d594","headings":["Bottom-line determination","1. Current legal classification","1.1 Operative definition","1.2 Functional model matrix","1.3 Consumer versus business purpose","2. Prohibited, authorized, and conditionally exempt models","2.1 Covered for-profit provider","2.2 Hawaii-licensed attorney","2.3 Nonprofit or charitable corporation or association","2.4 Lender and institutional branch","3. Applicable fee structures and current limits","3.1 Current fee matrix","3.2 “Nominal” nonprofit reimbursement","3.3 No current indexing or adjusted figure","4. When fees may be requested or received","4.1 Hawaii state rule","4.2 Federal TSR baseline—only where independently applicable","4.3 Conditional credit-repair overlap","5. Regulator, permission, lookup, and public market-access verification","5.1 Regulator and enforcement","5.2 No Chapter 446 application pathway located","5.3 Predicate lookups and their limits","6. Worked examples","Example 1 — For-profit principal-reduction provider","Example 2 — Noncustodial DMP does not escape coverage","Example 3 — Nonprofit expense reimbursement and the unresolved “nominal” ceiling","Example 4 — Void contract and express deposited-funds recovery","Example 5 — Federal TSR proportional allocation with prior-fee consistency","Example 6 — Federal percentage-of-savings method and partial settlements","Example 7 — Why the 2007 fee table cannot be used","Actually read or rendered","Not established or not fully read"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_HI/pass-01","facets":{"geography":["us","us-hi"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Hawaiiprovider-access/fees component only; all broader state categories remain required","pending_corrections":0},{"key":"s_hi--pass-02","task":"S_HI","title":"SHI Conditional credit-repair fee-timing correction","parent_title":"Hawaii debt and debt relief law","edition":"pass-02","path":"/research/s_hi--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":7,"sources":2,"review_status":"accepted_with_limits","review_complete":true,"sha256":"f6935f897e2e4d3719f653e0163e8e45cc3d9b8ad1d92ba954206dd7cb113841","headings":["1. Exact replacement for PASS‑01 §4.3","4.3 Conditional credit-repair overlap — corrected replacement","2. PASS‑01 claim-cell patches","3. New PASS‑02 corrective claims","4. Source-usage and source-cell patches","4.1 Freshly accessed federal sources","4.2 Supplied/reused source identity","4.3 Pinpoint-only replacement for S_HI-P1-S009","4.4 Pinpoint-only replacements for S_HI-P1-S023 and S024","5. Exact replacement for the PASS‑01 credit-repair coverage row","6. Researcher self-check","Freshly read in PASS‑02","Supplied or reused, not freshly read in PASS‑02","Not read or resolved in PASS‑02"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_HI/pass-02","facets":{"geography":["us","us-hi"],"debt_type":[],"stage":[],"subject":["fees-outcomes","credit-reporting"]},"scope":"ONLY conditionalTSRcreditrepairtiming/CROApurposequalification and exactselectedcomplaint/opinionpinpoints, originalP1cells supplied","pending_corrections":0},{"key":"s_id--pass-15-citation-01","task":"S_ID","title":"SID bounded rule-pinpoint clarification","parent_title":"Idaho debt and debt relief law","edition":"pass-15-citation-01","path":"/research/s_id--pass-15-citation-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":7,"claims":7,"sources":1,"review_status":"reviewed_nonmaterial_pinpoint_clarification_resolved_other_housing_holds_unchanged","review_complete":true,"sha256":"27dfbf7a7e209f3a941bdc1863611da53f5f0b263202ad680b8244aa34450401","headings":["1. Corrected sentence","2. Source and read-status register","Document identity","Clause-by-clause read bounds","Displayed footers","3. Distinct atomic clarification claims","4. Precise P15 patch map","5. Issue and coverage table","6. Read/access log and self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-15-citation-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":[]},"scope":"BoundednonmaterialIRCP1(c)versus1.1pinpoint/atomictraceabilityclarificationonly.","pending_corrections":0},{"key":"s_id--pass-22-quantity-01","task":"S_ID","title":"SID Rule 40 quantity and exception completion","parent_title":"Idaho debt and debt relief law","edition":"pass-22-quantity-01","path":"/research/s_id--pass-22-quantity-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":12,"claims":15,"sources":1,"review_status":"resolved_visible_Rule40_quantity_completion_original_generic_claim_unchanged_all_other_holds_preserved","review_complete":true,"sha256":"4c0a0e2b896add67017fb5b65291d4147f495d424ca44d490570e700ed1344e2","headings":["Displayed history—not an original-order audit","Original claim retained","3.1 Without-cause branches","3.2 Mailing, excluded proceedings, and misuse qualifications","3.3 For cause, voluntary disqualification, and reassignment","3.4 Counting and incorporation hold","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-22-quantity-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["resolution"],"subject":["policy-history"]},"scope":"OnlyS_ID-P22-Q001visibleRule40quantity/exceptionledgercompletion; no actualdeadline or broader rerun.","pending_corrections":0},{"key":"s_id--pass-27-limited-01","task":"S_ID","title":"Idaho: appellate history and quantity-row corrections","parent_title":"Idaho debt and debt relief law","edition":"pass-27-limited-01","path":"/research/s_id--pass-27-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":6,"claims":4,"sources":2,"review_status":"bounded_three_locations_resolved_with_other_holds","review_complete":true,"sha256":"086fb33b5c885b8b0ecabfa39fc1c6e76a1ee6ccf01c17e23ed71e33a309d31b","headings":["1. Replacement history rows","2. Replacement quantity row","3. Source and usage register","4. Atomic correction claims","5. Coverage and affected locations","6. Unchanged findings and exact remaining gaps","7. Actual read/search/failure log and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-27-limited-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["appeal"],"subject":["appeals","policy-history"]},"scope":"OnlyP27publishedRule32versus46historyandSAME46seven-dayMOTIONserviceeventinP27Section9.2/P28Section12.4; noactualdeadlineorfullrerun.","pending_corrections":0},{"key":"s_id--pass-30-limited-01","task":"S_ID","title":"Idaho: completion of appellate costs inquiry cells B07–B27","parent_title":"Idaho debt and debt relief law","edition":"pass-30-limited-01","path":"/research/s_id--pass-30-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":5,"claims":5,"sources":8,"review_status":"scoped_bounded21cellcompletion_resolved_all_substantive_holds_preserved","review_complete":true,"sha256":"dea6828466409dcda9e5ea0fd7c1629b17008827302a606d79c65956c6d2dde0","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-30-limited-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["appeal","resolution"],"subject":["appeals"]},"scope":"Only21missingbranchnext-inquirycells; nofullreportrerun","pending_corrections":0},{"key":"s_id--pass-31-limited-01","task":"S_ID","title":"Idaho: appellate rehearing quantity-row correction","parent_title":"Idaho debt and debt relief law","edition":"pass-31-limited-01","path":"/research/s_id--pass-31-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":4,"claims":2,"sources":1,"review_status":"bounded_correction_resolved_other_holds_retained","review_complete":true,"sha256":"6fef7bc6db247ceab7862b2897948ac12a9367063d9e77a4d5f2f7913aaaf376","headings":["Replacement quantity row","Source and traceability patch","Read log and preserved gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-31-limited-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["appeal"],"subject":["appeals"]},"scope":"","pending_corrections":0},{"key":"s_id--pass-01","task":"S_ID","title":"SID Idaho provider market access and consumer fees","parent_title":"Idaho debt and debt relief law","edition":"pass-01","path":"/research/s_id--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":9,"claims":35,"sources":31,"review_status":"revise","review_complete":true,"sha256":"df9dbacda00784bdf550765aaf35b0b9a013ce60dd23e6431a05196936000c53","headings":["Controlling result","1. How Idaho defines and classifies the relevant conduct","1.1 The statutory classification is functional","1.2 Credit repair is a separate classification and may overlap","1.3 Tax-debt settlement is covered","1.4 Secured debt remains within potential licensing coverage, but the unsecured fee ceiling does not carry over","1.5 Consumer versus business purpose","1.6 Idaho nexus and remote providers","2. Whether each model is prohibited, licensed, or exempt","2.1 Covered conduct is conditionally authorized through licensing","2.2 Model-by-model access result","2.3 Exemptions are specific, not label-based","2.4 Original creditor and self-creditor boundary","2.5 Administrative-rule status","3. Current fee structures, limits, refunds, and dated guidance","3.1 Controlling Idaho fee matrix","3.2 The 20% rule is not “20% of the monthly payment”","3.3 No indexing or adjusted-dollar schedule was found","3.4 Refund interpretation","3.5 Provider charges versus other amounts","4. When fees may be requested or received","4.1 Idaho’s state rules","4.2 Federal TSR timing—conditional common context","4.3 Federal credit-repair overlap","5. Regulator, application route, lookup, and public market access","Verified operational path","No provider-specific authorization established","6. Worked fee and boundary examples","7. Component boundary","Idaho legal authorities","Operational, interpretive, and rule-status materials","Federal common-context authorities","Example 1 — Custodial DMP remittance","Example 2 — Noncustodial unsecured program with proportional TSR allocation","Example 3 — Lower-debt case exceeding the Idaho ceiling","Example 4 — Savings-based method across two debts","Example 5 — Cancellation and prior-fee reconciliation","5A. State-formula illustration","5B. TSR-compliant variant","Example 6 — Secured-debt hold","Example 7 — Credit-repair startup fee","Pass coverage and gap table","Actually read and used","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-01","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Idahoprovider-access/fees component only; all broader state categories remain required","pending_corrections":0},{"key":"s_id--pass-02","task":"S_ID","title":"SID bounded corrections and qualifications to P1","parent_title":"Idaho debt and debt relief law","edition":"pass-02","path":"/research/s_id--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":14,"claims":7,"sources":16,"review_status":"accepted_with_limits","review_complete":true,"sha256":"9be2661c7dcef8e44089fea50075a20843668e996c4b2341e7b103e1d8d059fa","headings":["1. Stable reference aliases","1.1 Immutable P1 source identities","1.2 Exact inline-reference replacements","2. Credit-repair classification qualification","2.1 Replacement for P1 §1.2","2.2 Replacement C004 claim cell","2.3 Replacement model-table cell","2.4 Replacement coverage cell","3. Narrow administrative qualifications","3.1 Replacement §5 application-content/procedure cell","3.2 Replacement C028 conditions cell","3.3 Replacement C030 cell","4. Wall source status and pinpoint replacements","4.1 Replacement S014 source-status cell","4.2 Replacement C008 source/pinpoint cell","4.3 Replacement C009 and §1.4 pinpoint cells","4.4 Replacement C034 source/pinpoint cell","5. Minimal completion qualifier","5.1 Replacement for the P1 introductory status sentence","5.2 Global qualifier for P1 coverage rows","6. Minimal document/source-usage and version table","7. Corrective PASS-02 claims","8. Focused coverage patch","9. Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-02","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyactualfederalinlinealiases/creditrepairdefinitionexclusions/application-reinstatementqualifications/opinionpinpoints/minimalcoveragewording;officialcurrency/checklistheld","pending_corrections":0},{"key":"s_id--pass-03","task":"S_ID","title":"SID official-source currency and NMLS-checklist evidence patch","parent_title":"Idaho debt and debt relief law","edition":"pass-03","path":"/research/s_id--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":12,"sources":22,"review_status":"accepted_with_limits","review_complete":true,"sha256":"941be4977823e2b677c48d910c2eca62c4fe9d7a78e31742fa96ba2b7e35d430","headings":["Bottom-line disposition","A1. C004 — credit-repair definition and exclusions","Substantive disposition","Replacement C004 source/currentness cells","Coverage consequence","A2. C028 — application updating, notice receipt, and NMLS route","What official evidence was added","What was not officially recovered","Replacement C028 source/currentness cells","A3. C030 — renewal, expiration, and reinstatement","What official evidence was added","What was not officially recovered","Replacement C030 source/currentness cells","D1. Company versus branch documents","D2. Exact state supplemental documents actually inspected","Consent to service and examination form","Agent notification material","Exact dependency sequence","Freshly read or visually inspected in PASS-03","Supplied or reused, not falsely relabeled as fresh official verification","Failed or unread routes preserved exactly","Not done"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-03","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession"],"subject":["tools-forms-checklists"]},"scope":"Only reviewed remaining official current four-section/change evidence and actual public NMLS company/renewal checklist gap; no full report/examples/federal/case rerun.","pending_corrections":0},{"key":"s_id--pass-04","task":"S_ID","title":"SID Idaho customer funds and trust accounts","parent_title":"Idaho debt and debt relief law","edition":"pass-04","path":"/research/s_id--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":30,"sources":21,"review_status":"scoped_review_complete_accepted_with_limits","review_complete":true,"sha256":"8c4f93910f4fb4fcaa96b0d74fce7c437e02751cb374ae92ccedb1264ad26ae1","headings":["Current-source limitation","1. Which models Idaho’s account and funds provisions reach","1.1 Section 26-2233 uses an actual-custody trigger","1.2 The provisions do not all have the same actor scope","1.3 Exact exemptions still matter","2. Idaho account structure, records, remittance, and movement of funds","2.1 Account title, institution, and segregation","2.2 What the text does not establish","2.3 Recordkeeping and regulator access","2.4 Remittance timing","2.5 Deduction or transfer of provider compensation","2.6 Payment-processing and administrator charges","3. Affiliate receipt, independent administrators, and account control","3.1 Provider-maintained accounts","3.2 Genuinely independent third-party account","3.3 Affiliate or controlled administrator","3.4 Facts required to classify a concrete account","4. Cancellation, termination, and closure of held money","4.1 Ordinary debtor cancellation","4.2 Collection-agency closure","4.3 Property right in assigned collection accounts","5. Idaho accounts versus the federal TSR dedicated-account option","5.1 The two structures are not interchangeable","Example 1 — Collection agency receipt, commission, and creditor remittance","Example 2 — Custodial debt counselor with no proven earned fee","Conditional branch","Example 3 — Covered federal dedicated account after service withdrawal","Example 4 — Affiliate-controlled “external” account","Example 5 — Collection-agency closure","Freshly read in PASS-04","Failed public routes","Reused without false fresh-read claims","Not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-04","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":["client-money","limitations-revival"]},"scope":"Reviewedremaining Idaho funds/trustaccount component from exactP1coveragegap; C033/C035currentofficialtext/checklists and allfee/broaderholds preserved.","pending_corrections":0},{"key":"s_id--pass-05","task":"S_ID","title":"SID Idaho generic provider agreements, disclosures, cancellation, and termination","parent_title":"Idaho debt and debt relief law","edition":"pass-05","path":"/research/s_id--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":14,"claims":40,"sources":26,"review_status":"reviewed_with_source_currency_and_application_holds","review_complete":true,"sha256":"43ec073da046c9c6b1612350b1a0d4408e778964de64f2a04fafca7288bf9c89","headings":["Principal findings","3.1 Necessary actor and relationship boundaries","3.2 Collection agency–creditor-client contracts","3.3 Separate debtor–collection-agency incidental-charge agreement","3.4 Regulatory contract filing is not consumer delivery or approval","3.5 Debtor cancellation under § 26-2229(3)(b)","4.1 Scope, cumulative operation, and exclusions","4.2 Initial-offer and off-premises disclosures","4.3 Door-to-door cancellation branch","Predicate and exclusions","Required writings, copies, and notices","Cancellation and consequences","5.1 Telephone Solicitation Act","5.2 Internet automatic subscriptions","5.3 Narrow negative-option and unordered-service rules","5.4 Financed agreements: expressly held branch","6.1 CROA: only if its own definition and exclusions are satisfied","Precontract disclosure and acknowledgment","Contract and performance requirements","Copies, cancellation notice, and legal consequences","6.2 TSR: disclosures before consent to pay, not a universal enrollment-form statute","7.1 Idaho statutes and official rule materials","7.2 Federal publication and generic guidance sources","Actually read as legal bodies","Guidance and discovery, not controlling substitutes","Failed routes"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-05","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"Distinct reviewedremaining genericIdahoagreement/disclosure/cancellation legalcomponent; no actualcontracts/providerqueries","pending_corrections":0},{"key":"s_id--pass-06","task":"S_ID","title":"SID Idaho limitation periods, accrual, acknowledgment, and part-payment","parent_title":"Idaho debt and debt relief law","edition":"pass-06","path":"/research/s_id--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":23,"claims":59,"sources":21,"review_status":"reviewed_with_official_currentness_history_construction_and_application_holds","review_complete":true,"sha256":"29d7d8931be74e76f4f903b109a07e0f494740d1afe3f28f6adc0cc759410df1","headings":["1. Principal findings","Status key","2.1 General contracts and accounts","Ordinary installment and acceleration boundary","2.2 Negotiable instruments: complete § 28-3-118 branches","2.3 Goods sales and goods leases","3.1 Separate legal objects and clocks","3.2 Material 2015–2018 version boundary","3.3 Special liabilities not reduced to ordinary debt periods","4.1 What § 5-238 actually supplies","Required revival qualifications","4.2 Debt sale or assignment is not the same event","5.1 Idaho statutory qualifications","5.2 Commencement is not service, and counting is not universal","5.3 Indispensable federal military-service overlay","6.1 Applicability and exclusions","6.2 The operative prohibition","6.3 Revival disclosures and rule history","Clocks expressly kept separate","7.1 S_ID-P6-S001 — official Idaho access-failure record","7.2 S_ID-P6-S002 — Title 5, chapter 2, 2025 reproduction","7.3 S_ID-P6-S003 — Article 3 reproduction and necessary definitions","7.4 Other Idaho commercial and judgment publications","7.5 Federal sources","12.1 Search and retrieval scope","12.2 Additional failed or unread routes","12.3 PDF text versus pixels"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-06","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":["limitations-revival"]},"scope":"Independent requiredIdahoregistrydimension3 genericdebt/contractlimitations-accrual-revival publiclawcomponent; priorP1/P4excluded scopeonly","pending_corrections":0},{"key":"s_id--pass-07","task":"S_ID","title":"SID Idaho wage and earnings garnishment, exemptions, and claiming procedure","parent_title":"Idaho debt and debt relief law","edition":"pass-07","path":"/research/s_id--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":25,"claims":51,"sources":17,"review_status":"reviewed_with_official_currentness_nonweekly_adoption_history_and_application_holds","review_complete":true,"sha256":"4e97247f870de5e2e50031e8d271d11a9266b69df3a505b58a1263fbb3d707f6","headings":["Evidence status","1.1 Earnings, disposable earnings, and the proceeding being regulated","Earnings versus other property","1.2 Ordinary garnishment ceiling: federal and provisional Idaho text","Reference wage","Pay-period conversion","1.3 Federal–state and debt-category comparison","Support percentages: exact qualifications","Aggregation and priority","1.4 Greater state protection and protection against discharge","Greater protection is preserved, not chosen at will","Discharge from employment","2.1 What the reproduced statute says","2.2 Residence, individual status, and exceptions","2.3 Amendment evidence recovered","4.1 Issuance and documents","4.2 Service and its trigger","4.3 Notice to the judgment debtor and third party","4.4 Garnishee answer, liability, and payment","4.5 Continuing duration, multiple writs, and sheriff returns","Administrative charge","State as garnishee","5.1 The event sequence","5.2 Holding, release, late claims, and pre-levy claims","5.3 Burden, hearing purpose, and costs","5.4 State claim procedure versus the federal ceiling","6.1 Counting is provision-specific","6.2 Historical and current texts are not interchangeable","7.1 S_ID-P7-S001 — official Idaho access observations","7.2 S_ID-P7-S002 — execution, claims, and ordinary earnings restriction","7.3 S_ID-P7-S003 — garnishment chapter","7.4 S_ID-P7-S004 — chapter 6 unpaid-earnings exemption","7.5 S_ID-P7-S005 — consumer-credit branch","7.6 Official rules, forms, and Idaho historical instruments","7.7 Federal statutes, regulations, and original enactments","13.1 Actual research routes","13.2 Material failures and non-read routes","13.3 Parsed text and visual inspection"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-07","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"Independent required Idaho wages portion of registry dimension5; generic earnings garnishment/protections/process only, prior reviewed excluded scope context","pending_corrections":0},{"key":"s_id--pass-08","task":"S_ID","title":"SID Idaho bank-account garnishment, protected benefit deposits, and exemption-claim boundaries","parent_title":"Idaho debt and debt relief law","edition":"pass-08","path":"/research/s_id--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":25,"claims":55,"sources":12,"review_status":"reviewed_with_official_currentness_benefit_incorporation_tracing_and_application_holds","review_complete":true,"sha256":"df48e81c57fc4dca6d63c417a91f092328ad38a43bfd29ab88198a625697d72b","headings":["Principal findings","1.1 Different proceedings and legal objects","1.2 Prejudgment attachment is not ordinary postjudgment collection","2.1 Deposit preservation is fund-specific","2.2 Residence and individual status","2.3 Support-necessary categories under § 11-604","2.4 Pension and retirement qualifications","2.5 Workers’ compensation and unemployment","2.6 Commingling, tracing, and proceeds are different issues","2.7 Debt-specific Idaho exceptions","3.1 The reproduced Idaho review","3.2 Federal scope and benefit detection","3.3 Screening, review, and the protected amount","Source-stated symbolic relation only","3.4 Review timing and special notice exception","3.5 Automatic access, subsequent deposits, and fees","3.6 Conditional federal notice","3.7 Rights, preemption, safe harbors, and records","5.1 Actor and instrument comparison","5.2 Designated office, affiliates, and territorial limits","5.3 Service, mailing, acknowledgment, and notice","5.4 Bank response and creditor exceptions","5.5 Fees","6.1 Distinct clocks","6.2 Uncontested release, contested determination, and late claims","6.3 Third-party ownership, proof, and costs","S_ID-P8-S001 — official Idaho failures and source-status record","S_ID-P8-S002 — Idaho Code, 2025 secondary reproduction: chapter 7","S_ID-P8-S003 — same 2025 reproduction: chapter 6 money exemptions","S_ID-P8-S004 — same reproduction: compensation and unemployment","S_ID-P8-S005 — same reproduction: exemption claims","S_ID-P8-S006 — same reproduction: attachment","S_ID-P8-S007 — official Idaho court rules","S_ID-P8-S008 — official generic blank exemption packet","S_ID-P8-S009 — 2021 amendment evidence","S_ID-P8-S010 — 31 C.F.R. Part 212","S_ID-P8-S011 — original federal regulatory publications","S_ID-P8-S012 — official federal benefit statutes","13.1 Research actually performed","13.2 Additional failure and non-read records","13.3 Parsed text versus page pixels"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-08","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent bank/benefit garnishment portion of dimension5, separatefromP7wages/P6limitations","pending_corrections":0},{"key":"s_id--pass-09","task":"S_ID","title":"SID Idaho personal-property secured-debt possession, disposition, redemption, surplus, and deficiency","parent_title":"Idaho debt and debt relief law","edition":"pass-09","path":"/research/s_id--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":27,"claims":60,"sources":15,"review_status":"reviewed_targeted_correction_resolved_official_currentness_and_application_held","review_complete":true,"sha256":"07579689b8e1bfef9b2d371e483f3b0009a1c424df910a74c5de8a0e29618725","headings":["Principal findings","1.1 Different legal questions must remain separate","1.2 Roles and consumer categories","1.3 Scope, exclusions, and leases","1.4 Attachment, description, and title","2.1 Other consumer law can control","2.2 Default and insecurity clauses","2.3 Nonwaiver and agreed standards","2.4 Judicial versus nonjudicial possession","Generic judicial route—not a filing guide","2.5 Duties while holding collateral","4.1 Collection differs from disposition","4.2 Commercial reasonableness and purchase","4.3 Notice recipients and timing","4.4 Contents and communication events","4.5 Proceeds, lawful expenses, surplus, and deficiency","4.6 Consumer-goods explanation after disposition","4.7 Transferees and title paperwork","5.1 Redemption is not merely curing missed installments","5.2 Post-default waiver is right-specific","5.3 Acceptance in satisfaction is not automatic retention","5.4 Consumer-goods compulsory disposition","6.1 Idaho’s reproduced § 28-9-626","Source-stated symbolic relation","6.2 Narrow consumer-sale deficiency prohibition","6.3 Remedial and proof limitations","S001 — fresh official and material access failures","S002 — official IDOF statutory locator","S003 — Article 9 scope, definitions, attachment, and related predicates","S004 — Article 9, Part 6 default provisions","S005 — general UCC definitions and principles","S006 — Idaho Credit Code","S007 — Title Loan Act","S008 — generic claim-and-delivery statutes","S009 — vehicle-title statutory boundary","S010 — official court rule","S011 — official title instructions and blank form","S012 — official historical title-lending guidance","S013 — Article 9 transition provisions","S014 — official historical Article 9 enactment lead","S015 — 2026 amendment lead and status","Actual search and reading scope","PDF inspection record","Additional limits preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-09","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"Independent personal-property possession/disposition/redemption/deficiency part of dimension6","pending_corrections":0},{"key":"s_id--pass-10","task":"S_ID","title":"SID Idaho trust-deed nonjudicial power of sale","parent_title":"Idaho debt and debt relief law","edition":"pass-10","path":"/research/s_id--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":24,"claims":50,"sources":13,"review_status":"reviewed_with_official_currentness_notice_harmonization_incorporation_and_application_holds","review_complete":true,"sha256":"a37921a72ccd3cbca12c40c57a8bbb61a5621709ea1e3270cf181184525196dd","headings":["Principal findings","1.1 Trust deed, mortgage, title, and obligation","1.2 Property and acreage predicates","1.3 Qualified trustee and succession","1.4 Restrictions on bypassing the security","2.1 Prerequisites are cumulative","2.2 Mandatory default-warning text","2.3 Requests for notice","2.4 Ordinary sale notice: recipients and contents","2.5 Occupant service, posting, publication, and affidavits","2.6 Mailing is not receipt","3.1 Exact scope","3.2 Required notice, request, response, and meeting","4.1 Reinstatement undoes acceleration; it does not satisfy the loan","4.2 Trustee charges and reconveyance","4.3 Three different postponement/rescheduling branches","Additional notice for a postponed primary-residence sale","Stay-specific exceptions must remain intact","5.1 Auction and deed","5.2 Proceeds order","5.3 Recitals, evidentiary effects, and title","5.4 Rescission of an invalid sale","5.5 Possession and limited unoccupied-property branch","5.6 Trustee-sale deficiency: limited action, not automatic shortfall","5.7 Reconveyance after performance","S001 — fresh official access failures","S002 — Title 45, chapter 15 statutory reproduction","S003 — necessary category and action cross-references","S004 — homeowner-exemption incorporation","S005 — official Idaho court rules","S006 — official historical legislative explanation","S007 — 2011 H0331 historical amendment copy","S008 — 2016 H0503 trustee-definition amendment","S009 — 2016 S1315 post-sale property amendment","S010 — 2023 H0065 warning-text revision","S011 — historical court-hosted generic tenant handout","S012 — official dependency locators, discovery only","S013 — additional historical discovery lead","13.1 Actual research","13.2 PDF text and pixels","13.3 Material unresolved-source and incorporation log"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-10","facets":{"geography":["us","us-id"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"Independent generic real-property trust-deed nonjudicial power-of-sale framework within dimension6; ordinary mortgage limitation/maturity and personal-property components excluded.","pending_corrections":0},{"key":"s_id--pass-11","task":"S_ID","title":"SID Idaho medical billing, collection conditions, financial assistance, and federal boundaries","parent_title":"Idaho debt and debt relief law","edition":"pass-11","path":"/research/s_id--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":27,"claims":56,"sources":23,"review_status":"reviewed_with_official_currentness_legacy_transition_federal_incorporation_and_application_holds","review_complete":true,"sha256":"c3b60ce2e1ad50553b1900d43ebe85b0277ee5b4e2ba5e71a75ee4f840e958a5","headings":["Principal findings","1.1 Actor and authority comparison","1.2 Idaho extraordinary collection action is a defined category","2.1 Two different information documents","Summary exception and delegated delivery","2.2 Ordinary sequence","Construction hold: unresolved reviews and the ninety-day clause","2.3 Reporting alternative and its consequence","2.4 Payor identification and receipt","2.5 Late submission or late summary","2.6 Burden and pleading","3.1 Court-awarded collection amounts","3.2 Prevailing patient and noncompliant extraordinary collection","3.3 Principal, settlement, and cancellation","Retained wording mismatch","5.1 The assistance question divides into four different regimes","5.2 Repeal and transition chronology","5.3 Residual reimbursement is not current charity eligibility","5.4 Nonmedical aid is not a substitute medical program","6.1 Institutional scope comes first","6.2 Required policy versus a uniform eligibility entitlement","6.3 Billed charges, AGB, and patient responsibility","6.4 Federal ECA is not the Idaho definition","Debt-sale exception","6.5 Reasonable efforts: several routes, not one clock","6.6 Refund, reversal, and downstream collection","6.7 Tax consequences are not a state damage award","7.1 Reporting status","7.2 Precise special-regime dependencies","S001 — fresh failures and currentness record","S002 — official Idaho provider-law locator","S003 — Idaho Patient Act, 2025 secondary reproduction","S004 — incorporated payor categories","S005 — narrow check and medical-lien incorporations","S006 — county service-fee incorporation","S007 — official attorney-fee factors","S008–S013 — legislative versions and transition evidence","S014–S015 — official medical-indigency rule repeal","S016 — residual county statutes","S017 — official federal statute, dated publication","S018 — current-published hospital regulations","S019 — original final hospital rule","S020 — original 2015 correction","S021 — medical-reporting rule status","S022 — withdrawn medical guidance","S023 — official insurance/surprise-billing locator","14.1 Actual research performed","14.2 PDF text versus pixels","14.3 Remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-11","facets":{"geography":["us","us-id"],"debt_type":["medical"],"stage":["collection"],"subject":["medical-assistance"]},"scope":"Independent state-specific medical-billing debt, collection conditions and assistance/relief framework portion ofdimension6; broad federal and other Idaho components excluded.","pending_corrections":0},{"key":"s_id--pass-12","task":"S_ID","title":"SID Idaho payday/deferred-deposit credit, charges, and borrower protections","parent_title":"Idaho debt and debt relief law","edition":"pass-12","path":"/research/s_id--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":24,"claims":48,"sources":15,"review_status":"reviewed_with_official_currentness_general_special_term_refund_fee_federal_incorporation_and_application_holds","review_complete":true,"sha256":"02a41ef9a21d269e6591a8983246f50804485be9fcd8590cb431f216fbe940f6","headings":["Principal findings","1.1 Product and actor matrix","1.2 Territorial and exemption qualifications","1.3 Generic licensing requirement and specific consequence","2.1 Source-stated restrictions","2.2 Fee permission is not unlimited-fee permission","2.3 Disbursement and repayment","2.4 General installment-term incorporation: unresolved interaction","3.1 Different rights and reference events","3.2 Extended payment plan: statute","3.3 First-payment timing: official guidance, not enacted text","3.4 Refund and precomputed-charge hold","4.1 Product-specific dishonor restriction","4.2 Complete material § 28-22-105 qualifications","4.3 Notice of dishonor: separate events","4.4 Civil debt, criminal threats, and default","4.5 Wage assignments, confession of judgment, and attorney fees","4.6 Assignment notice and payment records","5.1 Payday disclosures","5.2 Regulator and records","5.3 Remedies must be matched to the violation","5.4 Disclosure remedies and nonwaiver","7.1 Regulation Z: the state label does not control federal classification","7.2 Other regimes remain explicit dependencies","S001 — fresh failure record","S002–S004 — official Idaho operational and legal-status pages","S005 — 2025 Idaho Code reproduction: statutory usage register","S005-A. Payday Part 4","S005-B. Scope, definitions, nonwaiver, and licensing cross-references","S005-C. Charges, prepayment, disclosure, and agreement restrictions","S005-D. Remedies and default","S005-E. Dishonored-check incorporations","S006 — older receipt/account-statement reproduction","S007 — older disclosure-remedy reproduction","S008 — official EPP interpretation","S009 — official 2014 implementation release","S010 — 2014 legislative text and status","S011 — official 2003 implementation release","S012 — official administrative-rule status","S013 — Regulation Z operative text","S014 — official Regulation Z interpretation","S015 — discovery-only federal and proposal locators","Actual research performed","PDF text versus page pixels","Exact remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-12","facets":{"geography":["us","us-id"],"debt_type":["payday","unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independent payday/deferred-deposit sector and necessary credit-code classification/charges/borrower protections; title/secured/medical/garnishment and broad federal regimes excluded.","pending_corrections":0},{"key":"s_id--pass-13","task":"S_ID","title":"SID bounded P9 noncash-proceeds correction and symbolic-register additions","parent_title":"Idaho debt and debt relief law","edition":"pass-13","path":"/research/s_id--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":12,"claims":8,"sources":8,"review_status":"reviewed_bounded_correction_resolved_official_currentness_construction_and_application_held","review_complete":true,"sha256":"4d05e6812d383d222196e6e6c17a5ff8ee28be1d80b6636ce365a0d8914a653c","headings":["1.1 Replacement for P9 § 4.5","1.2 Disposition and collection are separate clauses","Effective/application status","6.1 Definitions and relations","6.2 Conditions, burden, and exceptions","10.1 Fresh work","10.2 Preserved rather than re-created","10.3 PDF and visual status"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-13","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP9noncash615narrative/newclaim and omitted626symbolicregister correction; no wholereportrerun orP12dependency.","pending_corrections":0},{"key":"s_id--pass-14","task":"S_ID","title":"SID Idaho judicial real-property mortgage foreclosure, judicial sale, redemption, and deficiency","parent_title":"Idaho debt and debt relief law","edition":"pass-14","path":"/research/s_id--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":24,"claims":55,"sources":11,"review_status":"reviewed_with_official_currentness_oneaction_notice_redemption_interest_deficiency_incorporation_construction_and_application_holds","review_complete":true,"sha256":"4ab80814a3d5dccf5ba7d6829a579480581580545411de1f165f5e83ce5aa7ab","headings":["Principal findings","1.1 Instrument, debt, property, and possession","1.2 Judicially foreclosed trust deeds","2.1 The statutory structure","2.2 Trust-deed obligation actions and substantially valueless security","2.3 Parties, venue, and notice of the action","2.4 Decree, installment claims, and receivers","3.1 A sale decree is not an ordinary unspecific money execution","3.2 Notice, publication, and manner of sale","Notice and confirmation holds","3.3 Payment failure, certificate, deed, and multi-county property","4.1 Four different legal concepts","4.2 Judicial trust-deed cure ends at decree entry","4.3 Eligible post-sale redeemers and property interests","4.4 Redemption money and the interest-source gap","4.5 Successive redemption, notices, and tender","4.6 Rents, accounting extensions, waste, and possession","5.1 Deficiency is a conditional judicial result","Source-stated symbolic relation","5.2 Fresh trustee-sale comparison","5.3 Guarantors and personal liability","5.4 Surplus and sale-failure remedies","5.5 Mortgage discharge and judgment satisfaction","S001 — official access-failure record","S002 — judicial foreclosure chapter","S003 — lien, mortgage, property, and discharge predicates","S004 — narrowly necessary trust-deed comparisons","S005 — execution and sale","S006 — statutory redemption","S007 — venue, notice of action, levy, and receiver interfaces","S008 — redemption-interest incorporation","S009 — official Idaho court rules","S010 — 2018 sale-statute amendment evidence","S011 — discovery-only or unused generic locators","Actually performed","PDF versus pixels","Uncompleted incorporations and construction issues"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-14","facets":{"geography":["us","us-id"],"debt_type":["mortgage"],"stage":["foreclosure","repossession"],"subject":["foreclosure-repossession"]},"scope":"Independent required judicialreal-propertymortgageforeclosure/security-first/sale/redemption/deficiencyportionofdimension6; priornonjudicial/limitations/personal-property/sectors/fullfederal/tenancyexcluded.","pending_corrections":0},{"key":"s_id--pass-15","task":"S_ID","title":"SID Idaho residential rent arrears, nonpayment termination, summary possession, and deposit boundaries","parent_title":"Idaho debt and debt relief law","edition":"pass-15","path":"/research/s_id--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":27,"claims":49,"sources":14,"review_status":"reviewed_with_nonmaterial_pinpoint_resolved_other_substantive_holds","review_complete":true,"sha256":"1e7a006563b83ef63d4121f3a9687a885a0ec3f715d1a56502e6bc22e7229a66","headings":["Principal findings","1.1 Distinct legal objects","1.2 Actor and property categories","1.3 Jurisdiction and assignment","2.1 Nonpayment predicate","Important timing and cure limits","2.2 Predicate notice service is not summons service","2.3 Nonpayment, holdover, nonrenewal, and rent increases","3.1 Possession-only versus money relief","3.2 Process and timing comparison","3.3 Jury: unresolved statute/rule/construction issue","3.4 Default, uncontested trial, and proof","4.1 Postjudgment cure is a narrow acreage/term branch","4.2 Belongings and officer enforcement are separate conditions","Acreage boundaries are not uniform","4.3 Appeal and stay: an express hold","4.4 Set-aside is not an automatic stay","5.1 Alleged rent is not a proved money award","5.2 Reasonable fees and the 2025 renumbering","5.3 Treble damages and attorney fees","5.4 Deposit definition and return","6.1 Statutory tenant action","Notice and court route","6.2 Narrow smoke-detector repair-and-deduct provision","6.3 Self-help and utility interruption","6.4 Retaliation and mitigation remain source-bounded","6.5 Guidance must be checked against the operative clauses","S001 — fresh failures and inaccessible-source record","S002 — Title 6, chapter 3: 2025 secondary statutory text","S003 — tenancy, rent-change, and fee provisions","S004 — court assignment and military incorporation","S005 — official Idaho court rules","S006 — official housing-form locator","S007 — official nonpayment instructions","S008 — official hearing instructions","S009 — current official Attorney General manual","S010 — court-hosted legal-aid brochure","S011 — 2025 recodification and amendment evidence","S012 — original residential-fee provision","S013 — additional legislative discovery, not operative authentication","S014 — special-category and federal discovery register","Actual work performed","PDF text versus pixels"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-15","facets":{"geography":["us","us-id"],"debt_type":["rent_lease"],"stage":["late","eviction"],"subject":["tenancy-housing"]},"scope":"Independentrequiredresidentialrentarrears/termination/summarypossession/rent-debt/depositboundariesdimension6;noP14judicialmortgageorP10nonjudicialfoundation.","pending_corrections":0},{"key":"s_id--pass-16","task":"S_ID","title":"SID Idaho regulated residential electric and natural-gas arrears, deposits, termination, restoration, and complaints","parent_title":"Idaho debt and debt relief law","edition":"pass-16","path":"/research/s_id--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":29,"claims":54,"sources":10,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"9db5013201818fc99d3d6defea66228c445546031f21649ae0f95ebf02e2aef8","headings":["Evidence disposition","Principal findings","1.1 Actor and service distinctions","1.2 Rules, tariffs, discretion, and exemptions","2.1 Required bill information and customer information","2.2 Due date and income-timing hardship","2.3 Responsibility for another balance","2.4 Billing-error adjustment rules","3.1 Residential deposit predicates","3.2 Deposit amount and installments","3.3 Interest and 2026 adopted rate","3.4 Refund, transfer, and records","Guarantee boundary","4.1 Continued service through a reasonable arrangement","4.2 Allocation, level payment, and nonwaiver","5.1 Grounds and inadequate grounds","Grounds with prior notice","Grounds without prior notice","Insufficient grounds","5.2 Current notice sequence","5.3 Required notice content","5.4 Day and hour restrictions","5.5 Nonsubscriber occupants and master-metered service","6.1 Winter eligibility and definitions","6.2 Winter Payment Plan and the unresolved date tension","6.3 Medical certificate","6.4 Institutional care is a separate branch","6.5 Third-party notification","7.1 Restoration is not forgiveness","7.2 Utility complaint versus Commission complaint","7.3 Informal and formal proceedings","7.4 Answer, default, modified procedure, and hearing","7.5 Reconsideration, stay, and judicial review","7.6 Reparation, civil liability, and penalties","S001 — fresh official failures and recovery paths","S002 — official Commission locator","S003 — official current customer-rules body","S004 — 2024 adoption history","S005 — 2025 pending amendment record","S006 — 2025 final adoption record","S007 — adopted 2026 deposit-interest order","S008 — official Commission procedural rules","S009 — Title 61 provisional statutory uses","S009-A — definitions and jurisdiction","S009-B — duties and Commission powers","S009-C — complaint, hearing, and review","S009-D — reparation and enforcement","S010 — discovery-only material","15.1 Actual research performed","15.2 Parsed text versus pixels","15.3 Precise remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-16","facets":{"geography":["us","us-id"],"debt_type":["utilities"],"stage":["late","repossession","shutoff"],"subject":["utilities-service"]},"scope":"Independentrequiredgenericregulatedresidentialelectric/naturalgasutilityarrears/termination/restorationdimension6;otherutility/regimecategoriesexpresslyheld.","pending_corrections":0},{"key":"s_id--pass-17","task":"S_ID","title":"SID Idaho consumer credit sales, retail-installment obligations, and motor-vehicle sale distinctions","parent_title":"Idaho debt and debt relief law","edition":"pass-17","path":"/research/s_id--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":33,"claims":56,"sources":17,"review_status":"scoped_coordinator_review_provisional_statutes_and_all_holds_retained","review_complete":true,"sha256":"a6bcdb15cbfa8a3764103bb785e7155cb7f3dd88333d7bb31ed415ee0fb86826","headings":["Principal findings","1.1 Product and actor distinctions","1.2 Territorial and exemption conditions","1.3 Motor-vehicle sales: additional rules, not a separate assumed code","1.4 Amount categories are not interchangeable","2.1 Ordinary goods-sale formation","2.2 Disclosure incorporation and retention boundary","2.3 Motor-vehicle disclosures and financing contingency","2.4 Prohibited clauses and security boundaries","3.1 Agreed finance charge is subject to other restrictions","3.2 Delinquency-charge limits","3.3 Deferral","3.4 Refinancing, consolidation, and conversion","4.1 Payment records and assignment notice","4.2 Full prepayment is different from cancellation","4.3 Precomputed unearned-charge rebate","Symbolic standard relation","4.4 Balloon-payment refinancing","4.5 Category-specific cancellation","Home-solicitation branch","5.1 Scope and authorization","5.2 Evidence, premiums, refunds, and choice","5.3 Coverage amount and term are separate from debt amount","6.1 Default is not automatic acceleration or deficiency","6.2 Assignee liability and holder notice must be separated","6.3 Narrow sale-specific deficiency/election boundary","6.4 Unconscionability and excess charges","6.5 Special remedy periods and defenses","6.6 Nonwaiver and regulator authority","S001 — fresh access failures and incomplete bodies","S002 — official statutory locator","S003 — Credit Code scope and definitions","S004 — UCC formation and lease boundary","S005 — credit-sale agreement, payment, and prohibited terms","S006 — finance charges, changes, and prepayment","S007 — home-solicitation credit sales","S008 — Credit Code insurance","S009 — indispensable Title 41 insurance clauses","S010 — remedies and administration","S011 — older Justia provisions","S012 — older receipt/account statement source","S013 — consumer-protection and motor-vehicle scope","S014 — official consumer-protection rules","S015 — official rule adoption evidence","S016 — official Credit Code rule-status index","S017 — official indirect-lending interpretation","10.1 Formation, disclosure, security, and vehicle rules","10.2 Charges, modification, payment, and prepayment","10.3 Cancellation and insurance","10.4 Assignee, remedy, administration, and source status","14.1 Actual research performed","14.2 Parsed text and page pixels","14.3 Remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-17","facets":{"geography":["us","us-id"],"debt_type":["store_cards","auto","unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independentrequiredgenericconsumercreditgoods/installmentsaleandmaterialmotorvehiclelawboundariesdimension6;notfullArticle9remediesorloan/providerlicensing.","pending_corrections":0},{"key":"s_id--pass-18","task":"S_ID","title":"SID Idaho consumer personal-property leases and lease-purchase arrangements","parent_title":"Idaho debt and debt relief law","edition":"pass-18","path":"/research/s_id--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":24,"claims":54,"sources":11,"review_status":"reviewed_scoped_partial_material_qualification_pending","review_complete":true,"sha256":"cf61f4a83147a71151190476cf6936c8f3d1f9345623eadd9924818ae21285ee","headings":["Principal findings","1.1 Legal-category comparison","1.2 Chapter 36 exclusions","1.3 Lease versus security interest","1.4 Territorial and agreement limits","2.1 Writing, copy, and timing","2.2 Required information categories","2.3 Fees: disclosure does not establish legality","2.4 Prohibited clauses, receipts, and advertisements","3.1 Renewal is not ownership","3.2 Two reinstatement branches","3.3 Renegotiation","3.4 Express enforcement provision","4.1 Formation, writing, and modification","4.2 Finance-lease information and warranties","4.3 Unconscionability and insecurity clauses","5.1 Notice and effect of ending the lease","5.2 Acceptance, rejection, cure, and revocation","5.3 Lessee remedies and deduction from rent","6.1 Liquidated damages and limited remedies","6.2 Conditional restitution—not a general deposit cap","6.3 Possession is not debt discharge","6.4 Lessor recovery is route-specific","6.5 Symbolic relations only","7.1 Transfer does not automatically discharge the original obligation","7.2 Irrevocable promises and defenses","7.3 Official consumer-protection rules","S001 — fresh failures and official-source gap","S002 — Idaho Lease-Purchase Agreement Act","S003 — Article 2A scope, formation, warranties, and risk","S004 — Article 2A default and necessary consumer-remedy interface","S005 — general UCC and narrow security interface","S006 — older agreement-variation provision","S007 — Credit Code classification interface only","S008 — Consumer Protection Act scope/exceptions","S009 — official consumer-protection rule body","S010 — adoption-history attempt","S011 — official locator and discovery-only material","11.1 Classification, disclosure, and Chapter 36 rights","11.2 Article 2A remedies and symbolic measures","11.3 Rule history and unknowns","15.1 Actual research","15.2 PDF text and pixels","15.3 Remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-18","facets":{"geography":["us","us-id"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independentrequiredgenerictrueconsumerpersonalpropertyleaseandrentalpurchaseportionofdimension6; priorcredit-sale/secured/realtenancy/fullfederalexcluded.","pending_corrections":1},{"key":"s_id--pass-19","task":"S_ID","title":"SID Idaho ordinary personal-property exemptions and homestead protection","parent_title":"Idaho debt and debt relief law","edition":"pass-19","path":"/research/s_id--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":27,"claims":57,"sources":13,"review_status":"scoped_coordinator_review_provisional_statutes_and_all_holds_retained","review_complete":true,"sha256":"90a36b1e665238bd83e8ac332116544b6529f4cb1412dcf43389de04291c4fe5","headings":["Principal findings","1.1 Execution, exemption, ownership, and debt are different questions","1.2 Individual, dependent, and residence predicates","1.3 Married persons and separate property","2.1 Categories and limits","2.2 Public property and the price/mortgage qualification","2.3 Insurance, pensions, benefits, and earnings: bounded treatment","2.4 Personal-property proceeds","3.1 Chapter 6 claim-specific exceptions","3.2 Selection, combination, and nonwaiver","4.1 Qualifying property and owner","4.2 Amount and the 2025 spouse amendment","4.3 Automatic protection and declaration-dependent branches","4.4 Abandonment and marital consent","4.5 Homestead exceptions and liens","4.6 Validity presumption and proceeds","5.1 Different value concepts","5.2 Special homestead appraisal procedure","5.3 Division, indivisibility, minimum bid, and proceeds","6.1 Applicable routes","6.2 Necessary event/actor sequence","6.3 Holding, release, late claims, and court motion","6.4 Repeat costs and third-party release","6.5 Counting, proof, and costs","S001 — fresh failures and access limits","S002 — official constitutional text","S003 — Title 11, chapter 6 exemptions","S004 — homestead creation and protection","S005 — special homestead appraisal and execution sale","S006 — execution, claim, and notice interfaces","S007 — narrow spousal-property definitions","S008 — official court rules","S009 — official generic exemption packet","S010 — 2020 exemption amendments","S011 — 2025 H0282 versions","S012 — 2025 H0150 replacement consent provision","S013 — 2026 proposed vehicle amendment","15.1 Actual research performed","15.2 Parsed text and page pixels","15.3 Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-19","facets":{"geography":["us","us-id"],"debt_type":[],"stage":[],"subject":["exemptions-property"]},"scope":"Independentrequiredordinaryexecutionpersonalproperty/homesteadportionofdimension5; wages/banks/clocks/securedmortgage/lease/fullfederalexcluded.","pending_corrections":0},{"key":"s_id--pass-20","task":"S_ID","title":"SID Idaho ordinary unsecured closed-end consumer cash and personal loans","parent_title":"Idaho debt and debt relief law","edition":"pass-20","path":"/research/s_id--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":33,"claims":54,"sources":15,"review_status":"scoped_coordinator_review_provisional_statutes_and_all_holds_retained","review_complete":true,"sha256":"58d281821ab8d45f5aea5d614facf868493ae57243e6e71f3633b0b0dcb731e3","headings":["Principal findings","1.1 Product and actor comparison","1.2 Idaho nexus and exclusions","1.3 Licensing exemption is not substantive immunity","2.1 Writing and guaranty boundaries","2.2 Federal disclosure incorporation","2.3 Mandatory schedule for the small-loan branch","2.4 Receipts, statements, acknowledgment, and retention","2.5 Prohibited terms and unsecured status","3.1 Agreed charges and the general-interest source gap","3.2 Delinquency charges","3.3 Default does not itself authorize collection costs","3.4 Returned-payment charge","4.1 Deferral is a precomputed-credit branch","4.2 Refinancing, consolidation, and conversion","4.3 Full prepayment and minimum charge","4.4 Rebate method: text read, operative-method completion held","5.1 Separate legal categories","5.2 Charge, evidence, refund, and anti-duplication","6.1 Default and acceleration are not the late-fee rule","6.2 Extortionate extension is a separate narrow consequence","6.3 Assignment and defenses","7.1 Violation, excess charge, and debt are separate","7.2 Correction, error, periods, and duplicate recovery","7.3 Nonwaiver and settlement","7.4 Narrow regulator interface","8.1 Official rules actually read","8.2 Currentness and proposal findings","8.3 Exact later inquiries","S001 — fresh failures","S002 — official statutory locator","S003 — classification and general Credit Code provisions","S004 — agreement, schedule, payment, and prohibited terms","S005 — charges, modification, prepayment, and general interest","S006 — default and narrow remedies","S007 — dishonored-payment interface","S008 — insurance charge and refund interface","S009 — narrow administrative and institutional interfaces","S010 — older provisions","S011 — general writing and co-obligor boundary","S012 — official consumer-protection rules and statutory scope","S013 — official indirect-lending interpretation","S014 — official expired-rule record","S015 — 2026 proposed interest legislation","11.1 Operative-text quantities relied on","11.2 Read computational provisions not adopted as a complete operative method","11.3 Proposed-only quantities","Actual research performed","PDF text versus pixels","Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-20","facets":{"geography":["us","us-id"],"debt_type":["personal_loans","unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independentrequiredordinaryunsecuredclosedendconsumerpersonal/cashloansdimension6;payday/title/security/creditgoods/revolving/residential/federalexcluded.","pending_corrections":0},{"key":"s_id--pass-21","task":"S_ID","title":"SID Idaho ordinary civil debt actions: jurisdiction, commencement, service, response, default, and set-aside boundaries","parent_title":"Idaho debt and debt relief law","edition":"pass-21","path":"/research/s_id--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":29,"claims":56,"sources":11,"review_status":"scoped_coordinator_ordinarycourt_review_complete_officialstatute_history_construction_application_parent_holds","review_complete":true,"sha256":"4aa170a8e32677c16f08986c3ddf5c84a3044e983ee3ce007fb82248d0f8fe33","headings":["Evidence disposition","Principal findings","1.1 Distinct court questions","1.2 Magistrate assignment is not one universal dollar cap","1.3 Venue: the 2026 replacement must be distinguished from the old text","1.4 Personal jurisdiction and out-of-state defendants","2.1 Commencement is a procedural event","2.2 Complaint adequacy is not proof of the debt","2.3 Real party, capacity, and assignment","3.1 Issuance, contents, and service period","3.2 Recipient and method distinctions","Unavailable entity agent is not ordinary mailed service","3.3 Publication and statutory conditions","3.4 Proof of service","4.1 Rule 5 is not an alternative initial-service code","4.2 Appearance and preserved objections","Idaho-specific Rule 12 waiver qualification","4.3 Response periods and motion consequences","4.4 Motion papers, amendments, and counterclaims","4.5 Counting and extensions","5.1 Default stages","5.2 Sum certain and other cases","5.3 Relief demanded, fees, judgment form, and notice","6.1 Idaho default and final-judgment relief","6.2 Narrow federal military-default rule","Definitions and waiver limits","S001 — actual failures and history limits","S002 — official Idaho Constitution","S003 — official Idaho Rules of Civil Procedure","Displayed rule history","S004 — official administrative assignment rules","S005 — court-authority statutory reproductions","S006 — venue statutory reproductions","S007 — 2026 § 5-404 replacement evidence","S008 — assignment, publication, and personal-jurisdiction statutes","S009 — official SCRA default and scope bodies","S010 — military-definition incorporations","S011 — discovery and uncompleted original-history material","14.1 Actual research","14.2 PDF text and pixels","14.3 Remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-21","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["lawsuit","repossession"],"subject":["court-entry-service","policy-history"]},"scope":"Independent required generic initial ordinary civil debt-court jurisdiction/commencement/summons/service/response/default/narrowsetaside dimension4; smallclaims/fullcontestedproof/postjudgment/sectors/federalexcluded.","pending_corrections":0},{"key":"s_id--pass-22","task":"S_ID","title":"SID Idaho small-claims debt route","parent_title":"Idaho debt and debt relief law","edition":"pass-22","path":"/research/s_id--pass-22/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":28,"claims":48,"sources":19,"review_status":"scoped_review_complete_Q001_visible_quantity_completion_resolved_other_holds_preserved","review_complete":true,"sha256":"a8dfaf89d08008d29c98f1a337a1caec2811422095b4b08001f412fb114dc722","headings":["Evidence disposition","Principal findings","1.1 Small claims is a distinct procedural route","1.2 The July 2026 ceiling and its legal base","1.3 Venue and government-party qualifications","1.4 Claimants, assignees, and representation","2.1 Commencement and claim contents","2.2 The initial service package","2.3 Personal service and the court-mail route differ","2.4 Proof, other service methods, and necessary holds","3.1 Written answer and subsequent notice","3.2 Lack of service and inactivity","3.3 Counting and extensions","5.1 Informal hearing does not eliminate proof","5.2 Witnesses and subpoenas","5.3 Disqualification","5.4 Nonappearance is not one uniform outcome","6.1 Default entry and judgment","6.2 Judgment form and record","6.3 Costs and fee figures must not be conflated","7.1 Rule 13 is the special small-claims correction route","7.2 Appeal eligibility and de novo hearing","7.3 The appeal attorney-fee rule changed in 2026","7.4 Execution timing and collection-fee interface","8.1 Official guidance and forms are not interchangeable with operative text","8.2 Exact later inquiries","S001 — access failures and source limits","S002 — official Idaho Rules for Small Claims Actions","S003 — 2026 S1330","S004 — chapter 1-23 statutory reproductions","S005 — necessary ordinary civil-rule incorporations","S006 — official evidence scope","S007 — attorney-fee incorporation","S008 — counting and assignment boundaries","S009 — official form/instruction locator","S010–S014 — official generic instructions","S015–S018 — official wholly blank forms","S019 — original-history discovery","15.1 Actual research","15.2 PDF text versus pixels","15.3 Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-22","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"Independent required generic small-claims debt-court route dimension4; ordinarycivil/sector/limitations/postjudgment/federalmerits excluded.","pending_corrections":0},{"key":"s_id--pass-23","task":"S_ID","title":"SID Idaho contested debt proof, documentary evidence, and summary judgment","parent_title":"Idaho debt and debt relief law","edition":"pass-23","path":"/research/s_id--pass-23/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":23,"claims":50,"sources":8,"review_status":"scoped_review_complete_with_source_history_statutory_incorporation_construction_application_holds","review_complete":true,"sha256":"62f6866739a4aa8088cebced1d3e6695d32e66522d624907d8ca7616c55ec53c","headings":["Evidence disposition","Principal findings","1.1 Applicable rule systems","1.2 Allegation, admission, proof, and weight","2.1 Relevance and exclusion","2.2 Personal knowledge, competency, and oath","3.1 Rule 901 foundation","Published-text qualification","3.2 Self-authentication is limited to authenticity","4.1 Statement, purpose, and opposing-party exclusions","4.2 Records of regularly conducted activity","Transferred or predecessor records","4.3 Absence, public records, and layers","4.4 Ancient and residual branches are not shortcuts","5.1 Content proof is not the same as authentication","5.2 Summaries","5.3 Judicial notice and presumptions","5.4 Settlement communications","6.1 Governing test and record support","6.2 Missing evidence, defective support, and partial disposition","6.3 Timing, service, and conversion","6.4 Declarations and verification","6.5 Motion, order, partial fact, and judgment","S001 — fresh failures and original-history limits","S002 — official Idaho Rules of Evidence","Displayed evidence-rule history","S003 — official Idaho Rules of Civil Procedure","Displayed civil-rule history","S004 — small-claims de novo boundary only","S005 — official transcript incorporation","S006 — declaration statute","S007 — official amendment locator","S008 — discovery-only materials","15.1 Actual work performed","15.2 PDF and visual status","15.3 Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-23","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["judgment","repossession"],"subject":["proof-evidence"]},"scope":"Independent required generic ordinary contested debt proof/documentauthentication/hearsay/summaryjudgment dimension4; initialcourt/smallclaims/discovery/fulltrial/sectors/federalmerits excluded.","pending_corrections":0},{"key":"s_id--pass-24","task":"S_ID","title":"SID Idaho ordinary civil discovery, disclosures, depositions, subpoenas, and protective/enforcement boundaries","parent_title":"Idaho debt and debt relief law","edition":"pass-24","path":"/research/s_id--pass-24/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":25,"claims":56,"sources":5,"review_status":"scoped_review_complete_with_history_incorporation_construction_application_holds","review_complete":true,"sha256":"695d24ac406a0b0a217731bdb0d25aec6cb1fcb88934b0711d4e4c51fc70a61d","headings":["Evidence disposition","Principal findings","1.1 Ordinary discovery versus other proceedings","1.2 Discovery is not adjudication","2.1 Relevance, burden, and inaccessible ESI","2.2 Initial disclosures and scheduling","2.3 Work product and prior statements","2.4 Expert disclosures and protection","2.5 Privilege assertions, produced material, and protective orders","2.6 Supplementation and signing","3.1 Method comparison","3.2 Interrogatory answers and records option","3.3 Production response and ESI form","3.4 Admissions: different from production or an answer to a complaint","3.5 Nonfiling and retention","4.1 Oral versus written-question depositions","4.2 Early-plaintiff leave condition","4.3 Officer, organization, remote method, and recording","4.4 Objections, termination, review, and retention","4.5 Objection waiver and use boundaries","5.1 Issuance, service, and proof","5.2 Party production versus nonparty production","5.3 Quashing, privilege, and geographic limits","5.4 Fees: payment duty versus later taxable costs","6.1 Motions to compel and protective motions","6.2 Conditional expense rules","6.3 Distinct sanction branches","6.4 ESI loss","6.5 Scheduling sanctions and examination boundary","S_ID-P24-S001 — official Idaho Rules of Civil Procedure","Displayed credits and effectiveness","S_ID-P24-S002 — small-claims discovery exclusion on appeal","S_ID-P24-S003 — official amendment locator","S_ID-P24-S004 — fresh original-order failure","S_ID-P24-S005 — discovery-only source history","10.1 General discovery and written methods","10.2 Depositions and subpoenas","10.3 Costs, protection, sanctions, and counting","Actual work performed","PDF and visual status","Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-24","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["origination","repossession"],"subject":["agreements-disclosures","discovery"]},"scope":"Independent required generic ordinary civil debt-action pretrial disclosure/discovery/methods/protection/enforcement dimension4; smallclaims/initialcourt/proof/fulltrial/postjudgment/federal/localmerits excluded.","pending_corrections":0},{"key":"s_id--pass-25","task":"S_ID","title":"SID Idaho ordinary civil trial, jury, verdict, findings, and post-trial motions","parent_title":"Idaho debt and debt relief law","edition":"pass-25","path":"/research/s_id--pass-25/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":39,"claims":56,"sources":9,"review_status":"scoped_review_complete_with_originalhistory_statutory_incorporation_construction_application_holds","review_complete":true,"sha256":"7d283b5551e7f820e8fca4608d98d34adc5b2747bf27a83e5ba0138fce037899","headings":["Evidence disposition","Principal findings","1.1 Procedural posture matters","1.2 Scheduling duties and trial-setting requests","1.3 Modification, disclosures, amendments, and continuance","2.1 Constitutional and rule-based boundaries","2.2 Demand, issue specification, and withdrawal","2.3 Court trial, discretionary jury, advisory jury, and consent","2.4 Jury size and civil agreement threshold","3.1 Statutory qualification is a separate inquiry","3.2 Confidentiality, examination, and challenge categories","Cause and peremptory challenges","3.3 Additional jurors and management","4.1 Open proceedings, testimony, and judicial roles","4.2 Required record versus transcript","4.3 Instruction requests, rulings, and preservation","5.1 Receipt and polling of a verdict","5.2 Special verdict and general verdict with written answers","5.3 Mistrial","5.4 Nonjury dismissal after the plaintiff’s evidence","5.5 Findings and conclusions","6.1 Idaho terminology and prerequisites","6.2 Alternative relief and conditional rulings","7.1 Complete Rule 59 grounds","7.2 Required support and time","7.3 Nonjury new trial and court initiative","7.4 Alteration and additur/remittitur","7.5 Judge unable to complete post-trial duties","8.1 Ruling, verdict, findings, and judgment","8.2 Computation and extensions","8.3 Notice and later-paper service","8.4 Reconsideration, harmless error, and stays","S001 — official Idaho Rules of Civil Procedure","Displayed rule history","S002 — official Idaho Constitution","S003 — official evidence rules, narrow trial interfaces","S004 — official record/reporting rules","S005 — special small-claims boundaries","S006 — government-hosted statutory compilation","S007 — dated jury-qualification reproductions","S008 — access failures and official history locator","S009 — discovery-only version leads","11.1 Setting and jury demand","11.2 Qualification, challenges, and management","11.3 Instructions and trial rulings","11.4 Post-trial motions","11.5 Computation and effect","15.1 Coverage","15.2 Actual read/search/failure log","15.3 PDF text versus pixels","15.4 Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-25","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["judgment","repossession"],"subject":["trial-post-trial"]},"scope":"Independent required generic ordinary civil trial-setting/jury-demand/bench-jury/verdict-findings/Rule50-52-59posttrial boundary dimension4; priorproof/discovery/initialcourt/smallclaims/fulljudgmentlifecycle/appeal/federalmerits excluded.","pending_corrections":0},{"key":"s_id--pass-26","task":"S_ID","title":"SID Idaho judgment interest, remaining renewal history, recording, and satisfaction interfaces","parent_title":"Idaho debt and debt relief law","edition":"pass-26","path":"/research/s_id--pass-26/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":23,"claims":35,"sources":13,"review_status":"scoped_review_complete_with_officialstatutory_finalhistory_application_incorporation_construction_holds","review_complete":true,"sha256":"6df52f1d82be4f620e96b2e8e8e745606eff12196e5877a8fd006e9579caa335","headings":["Evidence disposition","Principal findings","2.1 Interest categories and controlling events","The subsection (1) reproduction is not numerically normalized","2.2 Rate-setting mechanism","2.3 The FY2027 notice","2.4 Compounding, partial payment, and fee interest remain bounded","3.1 Targeted evidence update","3.2 Amendment-chain audit","3.3 What this history does not decide","4.1 Entry and recording are different events","4.2 Ordinary recorded-judgment lien","4.3 Renewal recording and priority","4.4 Recorder duties and authentication","5.1 Reviewed Rule 58.1 finding retained","5.2 New statutory route: § 10-1115","5.3 Full payment, partial payment, deposit, and release are not interchangeable","5.4 Assignment and capacity","5.5 Refusal and judicial relief","S001 — official annual-rate webpage","S002 — official FY2027 notice","S003 — 2025 statutory reproductions","S004 — official civil rules, narrow lifecycle uses","S005 — 2015 S1069","S006 — 2016 S1362","S007 — 2017 S1092","S008 — 2018 S1225","S009 — 2019 S1119","S010 — dated official interest guidance","S011 — dated official renewal guidance","S012 — official session-law locator","S013 — fresh failure and discovery log","14.1 Actual research","14.2 PDF text and pixels","14.3 Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-26","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["judgment","repossession","resolution"],"subject":["interest-charges-math","judgments-duration","policy-history"]},"scope":"Distinct remaining judgment-interest structure/current official duration-renewal history/lien-recording/satisfaction-release interfaces, dimensions4/6; reviewed P6clock/P14Rule58.1reuse, no wholesale regeneration or unreviewed premise.","pending_corrections":0},{"key":"s_id--pass-27","task":"S_ID","title":"SID Idaho ordinary civil appellate gateways, timing, motion interactions, and stays","parent_title":"Idaho debt and debt relief law","edition":"pass-27","path":"/research/s_id--pass-27/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":31,"claims":55,"sources":8,"review_status":"whole_first_scoped_review_complete_bounded_patches_resolved_other_holds","review_complete":true,"sha256":"fe008444c0d267b8b8379227582690813f81578cf782b1a49979354910d17f69","headings":["Evidence disposition","Principal findings","2.1 Constitutional and statutory framework","2.2 Route comparison","2.3 Court of Appeals assignment and further review","2.4 The new wrong-court transfer rule","3.1 Final judgment is not established by a caption alone","3.2 Ordinary IAR 11 categories","3.3 Permissive interlocutory review","4.1 Distinct notice clocks","4.2 Filing, service, and receipt","4.3 P25 motion distinctions retained; appellate predicates newly verified","4.4 Premature and amended notices","5.1 Notice contents and record gateway","5.2 Appellate fees are not stay security","5.3 Electronic filing and service","5.4 Computation and notice","6.1 Route-specific stay matrix","6.2 Money-judgment security and exceptions","6.3 Retained trial-court powers","6.4 Different stay-review routes","7.1 Magistrate-to-district endpoint","7.2 Higher appellate opinion and remittitur","7.3 Court of Appeals and further-review boundary","S001 — official Idaho Constitution","S002 — official civil rules","Displayed civil-rule history","S003 — official Idaho Appellate Rules","Material displayed appellate history and application","S004 — official special-assignment rule","S005 — official electronic-filing rules","S006 — provisional statutory incorporations","S007 — official history locator and fresh failures","S008 — deliberately unread incorporations","10.1 Routes, notices, motions, and permission","10.2 Fees, electronic filing, and computation","10.3 Stay and security","10.4 Remittitur and history","Actual research performed","PDF text and pixels","Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-27","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession","appeal"],"subject":["appeals"]},"scope":"Distinct ordinary state civil appellate gateway/finality/notice-timing/motion-interaction/stay-security component dimension4; Rule60fullmerits/P22smallclaims/P25trial/P26lifecycle/recordbriefingmerits excluded.","pending_corrections":0},{"key":"s_id--pass-28","task":"S_ID","title":"SID Idaho ordinary civil appellate records and transcripts","parent_title":"Idaho debt and debt relief law","edition":"pass-28","path":"/research/s_id--pass-28/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":37,"claims":52,"sources":8,"review_status":"reviewed_with_holds","review_complete":true,"sha256":"953d9221db123315c26cfe35d2dba58ab4685b854d12fbf2546aab686c5377a1","headings":["Evidence disposition","Principal findings","1.1 Reuse versus new evidence","1.2 Route and item definitions","2.1 Review method and unavailable-record branches","2.2 Clerk’s record and transcript responsibilities","2.3 Settlement, transmission, and augmentation","3.1 Transcript designation","3.2 Standard civil clerk’s record","3.3 Additional designations and cost responsibility","3.4 Statements, recordings, and exhibits","4.1 Higher transcript preparation periods","4.2 Reporter and clerk have different certifications","4.3 The 2026 electronic transcript record","4.4 Format is part of the legal record structure, not a prepared product","5.1 Distinct monetary instruments","The 2025 statute amendment did not visibly change the $3.25 figure","5.2 Deposit and preparation events","5.3 Waiver is not established by a label or request","6.1 Higher-route settlement","6.2 Augmentation and deletion","6.3 Missing, indistinct, or unavailable material","6.4 Extension, overdue work, and noncompliance","7.1 Recording is not certification","7.2 Exhibit custody and reclamation","7.3 Trial and appellate retention are different","8.1 Appellate inclusion is not public release","8.2 Filing and service events","S_ID-P28-S001 — official Idaho Appellate Rules","Material displayed history","S_ID-P28-S002 — official civil rules","S_ID-P28-S003 — official administrative rules","S_ID-P28-S004 — official electronic-filing rules","S_ID-P28-S005 — provisional statutory incorporations","S_ID-P28-S006 — 2025 S1181 version evidence","S_ID-P28-S007 — official history locators","S_ID-P28-S008 — fresh failures and delivery anomalies","12.1 Preparation, designation, settlement, and correction","12.2 Fees and waiver distinctions","12.3 Transcript and electronic format","12.4 Custody, retention, and computation","17.1 Actual research performed","17.2 PDF text and pixels","17.3 Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-28","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession","appeal"],"subject":["appeals"]},"scope":"Distinct ordinary civil appellate record/transcript/designation/preparation/certification/custody/correction component dimension4; reviewedP25record reuse only; gateway/fullbriefing-rehearing-awards/actualrecordmerits excluded.","pending_corrections":0},{"key":"s_id--pass-29","task":"S_ID","title":"SID Idaho ordinary civil appellate briefing, format, appendices, and oral argument","parent_title":"Idaho debt and debt relief law","edition":"pass-29","path":"/research/s_id--pass-29/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":37,"claims":52,"sources":8,"review_status":"reviewed_with_holds","review_complete":true,"sha256":"f4d8198552031a1d89a280cec9691197e3949c3e7dae03d5fa86612dec35e5e2","headings":["Evidence disposition","Principal findings","1.1 Reuse versus new evidence","1.2 Ordinary route comparison","2.1 Ordinary merits briefs","2.2 District appellate motions differ from merits briefs","2.3 Extensions and extraordinary alteration","2.4 Supplemental authority versus supplemental argument","2.5 Amicus briefs","3.1 Required organization","3.2 Responding issues, adoption, and reply scope","3.3 Record and authority citations","3.4 Appendix/addendum and record boundary","4.1 Current length provisions","4.2 Preparation requirements","4.3 One original, signatures, and certification","4.4 Electronic filing and attachments","5.1 Filing and service are separate","5.2 Electronic filing date and correction","5.3 Counting and additional time","6.1 A filed appendix does not become unrestricted public material","6.2 Necessary sealing consequences","7.1 Route-specific argument structure","7.2 Time, sequence, and multiple parties","7.3 Telephone argument and actual appearances","7.4 Missing briefs and nonappearance","S001 — official Idaho Appellate Rules","Material displayed history","S002 — official civil-rule incorporations","S003 — official electronic-filing rules","S004 — official access/sealing rule","S005 — provisional computation statutes","S006 — official history locator","S007 — failures and unopened incorporated material","S008 — discovery-only version/citation leads","11.1 Briefing and supplemental submissions","11.2 Length and document format","11.3 Electronic filing, service, and privacy","11.4 Argument and compliance","11.5 Computation and version limits","16.1 Actual research","16.2 PDF status","16.3 Remaining gaps and conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-29","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession","appeal"],"subject":["appeals"]},"scope":"Distinct remaining ordinary civil appellate briefing/content/format/appendices/citation/service/argument component dimension4; priorgateway-record/fullfees-rehearing-merits excluded.","pending_corrections":0},{"key":"s_id--pass-30","task":"S_ID","title":"SID Idaho ordinary civil appellate costs, attorney fees, and sanction awards","parent_title":"Idaho debt and debt relief law","edition":"pass-30","path":"/research/s_id--pass-30/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":34,"claims":51,"sources":8,"review_status":"scoped_review_complete_bounded21cellcompletion_resolved_other_holds_preserved","review_complete":true,"sha256":"c7b351cbd19266ebb47c9adac3c8046bc5d646306499ff11634cedcaa77057f2","headings":["Evidence disposition","Principal findings","1.1 Reuse versus new work","1.2 Courts, actors, and governing procedures","District-appellate procedure hold","2.1 Prevailing party is a determination, not a label","2.2 Dismissal branches","2.3 Current IAR 40 cost categories","Adopted 2022 change","3.1 Higher appellate taxation","3.2 Rule 54 comparison where it governs","4.1 Procedural rule versus legal entitlement","4.2 Section 12-120","4.3 Section 12-121","2017 history","4.4 Section 12-117: public actors","4.5 Public payment, fee waiver, and contract limits","5.1 IAR 41’s two stages","5.2 Civil-rule amount factors","5.3 Proof, allocation, and limits","6.1 Appellate signing and certification","6.2 Enlarged records, nonappearance, and nonfiling","6.3 Section 12-123 is not assumed to be an appellate fee source","7.1 New cost/fee acts and their reference events","7.2 Electronic filing and correction","7.3 Computation and extensions","7.4 Privacy and disclosure boundary","S001 — official Idaho Appellate Rules","Material displayed history","S002 — official civil rules","S003 — official electronic-filing rules","S004 — provisional statutory bodies","S005 — 2017 H0097 legislative-version evidence","S006 — adopted April 28, 2022 order","S007 — official history locator and bounded currentness searches","S008 — fresh failures and unopened sources","11.1 Costs and fees","11.2 Civil-rule comparison and procedure","11.3 Filing, service, correction, and counting","11.4 Opinion, remittitur, and history","Actual research performed","PDF text and pixels","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-30","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession","appeal"],"subject":["fees-outcomes","appeals"]},"scope":"Distinctremainingordinarycivilappellatecosttaxation/attorneyfeeentitlement-request-amount-objection/necessarysanctionawardcomponent; priorgateway-record-briefing/furtherreviewmerits excluded.","pending_corrections":0},{"key":"s_id--pass-31","task":"S_ID","title":"SID Idaho appellate rehearing, discretionary review, and narrow remittitur/remand operation","parent_title":"Idaho debt and debt relief law","edition":"pass-31","path":"/research/s_id--pass-31/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":30,"claims":45,"sources":8,"review_status":"whole_first_scoped_review_complete_one_quantity_completion_pending_other_holds","review_complete":true,"sha256":"8eb5a82a01af875c1da37794095476f5be1d9291642cc9837c9040123ce5ace8","headings":["Evidence disposition","Principal findings","1.1 Reuse versus new work","1.2 Route and actor comparison","2.1 Supreme Court rehearing","2.2 Court of Appeals rehearing","2.3 Special expedited exception","3.1 Petition, rehearing relationship, and briefing","3.2 Criteria: discretionary, nonexclusive, and not a merits checklist","3.3 After review is granted","3.4 Review on the Supreme Court’s initiative","4.1 Filing is not ordinary mailing","4.2 Fee categories","4.3 Petition lateness and other failures","4.4 Extensions and the resolved reference event","4.5 Sanction and dismissal boundaries","5.1 No invented special petition word limit","5.2 Applicable general form requirements and exceptions","5.3 Electronic format, filing, and correction","5.4 Privacy and access","6.1 Announcement, service, and finality","Pending petitions and denial: precise limit","6.2 Issuance and receiving-court duty","6.3 District-appellate postdecision boundary","6.4 Remand authority is not unlimited recall authority","6.5 No universal enforcement stay","S001 — official Idaho Appellate Rules","Core displayed histories","S002 — official civil-rule district and computation interfaces","S003 — official electronic-filing rules","S004 — official confidentiality interface","S005 — provisional computation statutes","S006 — official generic procedural guidance","S007 — history locators and official notices","S008 — failed and discovery-only sources","9.1 Petitions, briefs, review, and decision effects","9.2 Fees, filing, extensions, and counting","9.3 Format, privacy, and argument","9.4 Finality, remand, and history","14.1 What was actually done","14.2 PDF text and pixels","14.3 Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-31","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession","appeal"],"subject":["appeals"]},"scope":"Distinctreviewedremainingordinarycivilrehearing/discretionaryreview/narrowremittiturremandoperation","pending_corrections":0},{"key":"s_id--pass-32","task":"S_ID","title":"SID Idaho residential property-tax arrears, payment relief, reductions, and deferral","parent_title":"Idaho debt and debt relief law","edition":"pass-32","path":"/research/s_id--pass-32/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":39,"claims":62,"sources":24,"review_status":"scoped_coordinator_review_complete_with_holds","review_complete":true,"sha256":"8995accda53f65e7e8b9f8084df9049162bc6955f3fdd9cec5fff913d51593ad","headings":["Evidence disposition","1.1 Assessment, levy, bill, delinquency, and lien are different","1.2 Property categories","1.3 Relief categories must remain separate","2.1 Notice and installment structure","2.2 Partial payments and interim accounts","2.3 Late charge and delinquency interest","2.4 Postmark, receipt, and electronic payment","3.1 Homeowner exemption: valuation relief and the 2026 change","New timing is not the PTR filing rule","3.2 Ownership and occupancy conditions","3.3 Property Tax Reduction—claimant categories","Household and income are statutory, not merely taxable income","3.4 2026 and 2027 limits must not be mixed","3.5 PTR value cap, amount, filing, and survival","3.6 Disabled-veteran special reduction","3.7 Homeowner property-tax credit","3.8 Hardship, casualty, and adjustment routes","4.1 Qualification is not approval","Equity and insurance","4.2 Arrears and the 2025 amendment","4.3 Application periods and limited nonaccrual","4.4 State payment, annual cap, and amount deferred","4.5 Deferral interest and lien","4.6 Termination and repayment","6.1 Lien does not mean completed deed","6.2 Narrow tax-deed conditions","6.3 Payment/redemption opportunity","6.4 What does—and does not—stop collection","Mixed-edition document warning","S001 — 2025 statutory reproductions","General and collection provisions","Residential relief","Review, correction, and interest incorporation","S002 — official current property-tax rules","Official program guidance and annual publications","Legislative and rule-history sources","S024 — failures and excluded deliveries","10.1 Assessment, billing, payment, and charges","10.2 Homeowner and PTR qualifications","10.3 Disabled-veteran and other relief","10.4 Deferral","10.5 Review and tax-deed bridge","Source-stated symbolic relations only","15.1 Actual research","15.2 PDF text and pixels","15.3 Exact remaining gaps"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-32","facets":{"geography":["us","us-id"],"debt_type":["tax"],"stage":["late","repossession"],"subject":["definitions-classification","hardship-workouts","tax-cancellation"]},"scope":"Independentrequiredgenericresidentialpropertytaxarrears-paymentrelief-deferralframeworkdimension6; fulltaxdeed-title-surpluslitigationseparate.","pending_corrections":0},{"key":"s_il--pass-01","task":"S_IL","title":"SIL Illinois provider market access and consumer fees","parent_title":"Illinois debt and debt relief law","edition":"pass-01","path":"/research/s_il--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":38,"sources":26,"review_status":"revise","review_complete":true,"sha256":"9e8726976c4dc9e17b140bb8281928bb274e5db13ce74999ec8750dc1e15f8e2","headings":["1. Classification follows the service and compensation, not its name","Core activity boundaries","Consumer versus business purpose","Illinois residents and remote providers","2. Which models are licensed, excluded, or prohibited?","Affirmative licensing pathways","Conditional exclusions","Self-creditors and prohibited combinations","3. Consumer fee structures, bases, limits, credits, and refunds","Verified fee schedule","Settlement savings: the baseline matters","Refund and cancellation distinctions","Currentness, indexing, and conflicting numbers","4. When fees may be requested or received","Illinois settlement timing","Illinois DMP timing","Independently applicable federal TSR baseline","5. Public market-access procedure and lookup","6. Worked fee and boundary results","7. Component coverage","Worked examples","E1 — Later balance growth does not enlarge settlement savings","E2 — One debt settled; another unresolved; earlier fee already paid","E3 — Installment settlement: federal first payment does not settle the state issue","E4 — Lower debt and zero/negative savings","E5 — State enrollment ceiling with an unmet federal trigger","E6 — DMP ordinary fees after required performance","E7 — DMP additional processing charge and small-debt boundary","E8 — DMP cancellation","E9 — Settlement cancellation with unearned money","E10 — Paid-referral and student-payment-reduction boundaries","Component coverage and exact next investigations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IL/pass-01","facets":{"geography":["us","us-il"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_il--pass-02","task":"S_IL","title":"SIL Targeted statutory and fee-rule evidence recovery","parent_title":"Illinois debt and debt relief law","edition":"pass-02","path":"/research/s_il--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":12,"claims":16,"sources":4,"review_status":"revise","review_complete":true,"sha256":"a77d6b72595dd3c0244911b6f813ec2ec0ce3da57858e763f557cddea8f3b0b9","headings":["Result and acceptance boundary","1. Section 125: original operative wording recovered; current version not cleared","2. Section 135: the refund language is now supported by a primary enactment","Cancellation and refund triggers","Five-business-day deadline: preserve the exact anchor","“Application fee” is not automatically interchangeable with “enrollment fee”","3. Section 145(9)–(10): two distinct restrictions were recovered","4. Section 78 and P.A. 104-520: enactment established; exact scope still held","What fresh primary material establishes","What was not recovered","Enactment is not a numerical fee change","5. Actual adopted 2026 rule examined: administrative hearings","6. DMSA §12 and cancellation: no fresh statutory recovery","D1. Freshly checked discovery aids — not operative fee authority","D2. Earlier evidence reused with attribution — not fresh PASS-02 reading"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IL/pass-02","facets":{"geography":["us","us-il"],"debt_type":[],"stage":["origination"],"subject":["fees-outcomes"]},"scope":"Recover exactcurrentprimary225ILCS429§§125,135,145(9)-(10),78 and relevantP.A.104-520operativeclauses/effectiveauthority. Distinguishactualenactmentfromnumericalfeechange; resolvefive-business-dayrefund/applicationfee wording and thirdpartycompensation. Checkanyactualadopted2026feechangerule. Recover205ILCS665§12 for cancellation. Suppliedsecondary135notclearedprimary; coordinatorILGA502andoperationalpagescannotverifycaps. Nofullclassification/federaloverview. PreservePart140.60/.70/checklistquestions.","pending_corrections":0},{"key":"s_in--pass-01","task":"S_IN","title":"Indiana Investigation","parent_title":"Indiana debt and debt relief law","edition":"pass-01","path":"/research/s_in--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":31,"sources":13,"review_status":"revise","review_complete":true,"sha256":"5d2e177902adb13a53b0ca36b0e8654ffd4df21c0795272d3043ca4814c21b98","headings":["S_IN, PASS-01: Provider market access and consumer fees","Bottom-line determination","1. Definitions and classification boundaries","1.1 Debt management, DMP, and custodial distribution services","1.2 Debt settlement and principal reduction","1.3 Principal reduction versus an incidental DMP concession","1.4 Consumer versus business-purpose debt","1.5 Indiana-resident and remote-provider nexus","1.6 Original-creditor and self-creditor activity","2. Prohibited, licensed, conditionally permitted, and exempt models","2.1 Debt-management companies: licensure, not mere registration","2.2 DMP exemptions","2.3 Debt settlement: conditional CSO access, not an ordinary DFI license","2.4 CSO exclusions","2.5 Attorney exclusion: controlling narrow construction","3. Consumer fees","3.1 Licensed DMP fees","3.2 CSO/debt-settlement fees","3.3 Regulator fees are not consumer fees","4. When fees may be requested or received","4.1 DMP state timing","4.2 CSO state timing","4.3 Current CSO contract and cancellation timing","4.4 Federal TSR context","5. Regulator permission, application, and public lookup","5.1 DMP license","5.2 CSO bond/filing","6. Fee and boundary examples","7. Pass boundary and required next investigations","Calculation conventions","Example IN-DMP-01 — ordinary monthly payment","Example IN-DMP-02 — monthly dollar cap controls","Example IN-DMP-03 — low-payment month","Example IN-DMP-04 — setup and monthly fee in first chargeable month","Example IN-DMP-05 — cancellation and close-out","Example IN-DMP-06 — previous setup/close-out fee","Example IN-DMP-07 — returned payments","Example IN-DMP-08 — proposed savings fee","Example IN-CSO-01 — enrolled-debt price is not validated by absence of a cap","Example IN-TSR-01 — proportional allocation","Example IN-TSR-02 — partial settlement and savings method","Example IN-CSO-02 — three-business-day cancellation","Example IN-BOUNDARY-01 — business-purpose debt","Component coverage and gap table","Actually read","Not successfully read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IN/pass-01","facets":{"geography":["us","us-in"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"New active Indiana individual-state provider-access/fees component only; all remaining statecategories open.","pending_corrections":0},{"key":"s_in--pass-02","task":"S_IN","title":"Bounded source/currentness and fee-schedule correction","parent_title":"Indiana debt and debt relief law","edition":"pass-02","path":"/research/s_in--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":16,"sources":11,"review_status":"accepted_with_limits","review_complete":true,"sha256":"7f23b36841654ae04b23cc71f9df67e6dd4f21694a8b6b327341098e56631472","headings":["Bounded source/currentness and fee-schedule correction","Disposition","2.1 Retained and qualified PASS-01 sources","2.2 New PASS-02 sources"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IN/pass-02","facets":{"geography":["us","us-in"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","research-quality"]},"scope":"Only PASS01 currentness/enactment confidence and actual current regulator fee-schedule reconciliation; no broad rerun","pending_corrections":0},{"key":"s_ia--pass-01","task":"S_IA","title":"SIA — Iowa Debt Management, Debt Settlement & Consumer Fees","parent_title":"Iowa debt and debt relief law","edition":"pass-01","path":"/research/s_ia--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":25,"sources":10,"review_status":"revise","review_complete":true,"sha256":"cdc4c3768849c767f1f8022c4c64e8b9a2358226985292740241fc0ad9dc2648","headings":["1. Executive findings","Preliminary business-model classification","2. Substantive findings: classification and market access","2.1 What constitutes debt management?","2.2 Licensing and exemptions","2.3 Program obligations relevant to fee permission","3. Iowa consumer fee architecture","3.1 Statutory fee matrix","3.2 Cancellation and refund provisions","3.3 Currentness and indexing","4. Fee collection timing: state versus federal","5. Regulatory access, licensing procedure and rulemaking","5.1 Actual public licensing route","5.2 Important 2026 administrative-rule development","5.3 Market-access determination","6. Bounded worked fee examples","Example IA-E01 — Custodial DMP, amounts applied","Example IA-E02 — Noncustodial, low enrolled debt","Example IA-E03 — Percent-of-total-debt, completed partial portfolio","Example IA-E04 — Percent-of-savings, one completed settlement","Example IA-E05 — Savings-based method with prior monthly collections","Example IA-E06 — Cancellation within first 12 months","Example IA-E07 — Cancellation after a completed settlement","7. Source register — S_IA-P1-S001+","8. Claim register — S_IA-P1-C001+","Additional material boundary findings","9. Full PASS-01 component coverage and gaps","10. Exact next investigations","11. Researcher self-check","12. PASS-01 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-01","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["settlement"],"subject":["counseling-dmp","settlement-negotiation","fees-outcomes"]},"scope":"Fresh Iowaprovider-access/fees component only;allbroader statecategoriesrequired","pending_corrections":0},{"key":"s_ia--pass-02","task":"S_IA","title":"Bounded source-evidence and qualification correction to","parent_title":"Iowa debt and debt relief law","edition":"pass-02","path":"/research/s_ia--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":5,"sources":9,"review_status":"revise","review_complete":true,"sha256":"33703b2c05e227c2f3cc9c269d3853c89de18ef6e0c9cc1e1506f9531c917c75","headings":["Bounded source-evidence and qualification correction to PASS-01","Correction in one sentence","1. New source alias","S_IA-P2-S001","2. Minimal replacement claim cells","3. Replacement for the affected P1 §5.2 narrative","4. Document and version usage","5. New corrective claims","6. Focused P1 coverage patch","Preserved nonexpansion holds","7. Researcher self-check","Freshly read in PASS-02","Provided or reused rather than newly established","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-02","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only recoveredofficialChapter20completion/expiration/newsource-version evidence and affectedoldclaim/coveragequalification;proposal/postcompilation/providerholdsretained","pending_corrections":0},{"key":"s_ia--pass-03","task":"S_IA","title":"Bounded provenance and renewal-wording correction to saved","parent_title":"Iowa debt and debt relief law","edition":"pass-03","path":"/research/s_ia--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":2,"sources":1,"review_status":"accepted_with_limits","review_complete":true,"sha256":"24604088416e09b78b4d1a42d807815bf0fa2ae182e3424fbb2733e72cdf53b0","headings":["Bounded provenance and renewal-wording correction to saved PASS-02","1. Provenance patch","2. Minimal replacement for S_IA-P1-C016 / C016","3. Minimal replacement for S_IA-P2-C003","4. Minimal replacement for the linked coverage wording","5. Narrow source-use record for the fresh Rule 20.5 check","6. Preserved holds","7. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-03","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P2 actual-access-date provenance and explicit rule20.5 renewal alternate/expiry conditions","pending_corrections":0},{"key":"s_ia--pass-04","task":"S_IA","title":"Iowa consumer-money custody, trust accounts, administrators, records, and returns","parent_title":"Iowa debt and debt relief law","edition":"pass-04","path":"/research/s_ia--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":25,"sources":7,"review_status":"scoped_review_complete_requested_corrections_addressed_with_holds","review_complete":true,"sha256":"a0a0f7d13b282c0b314a87685533ee7a2685aa52e97c3f416b91a53d1d1b3680","headings":["Iowa consumer-money custody, trust accounts, administrators, records, and returns","PASS-04 disposition","1.1 Activity, not the account label, controls","1.2 Account/model matrix","2.1 Verified Iowa custodial requirements","2.2 Deposit and remittance timing","2.3 Segregation, pooling, and commingling","2.4 Fees, deductions, and principal","2.5 Shortages, reversals, and pending payments","3.1 Consumer statements and account access","3.2 Required books and consumer ledger","3.3 Reconciliation cadence","3.4 Five years versus 36 months","Reconciliation","3.5 Cessation, surrender, and insolvency","4.1 General cancellation framework","4.2 Noncustodial accounts","4.3 Rejected proposals and failed settlements","4.4 Noncustodial cancellation-fee provisions","4.5 Educational-loan cancellation","5.1 Gateway rule","5.2 Reciprocal—but entity-specific—exemptions","5.3 Potential processor exemptions","5.4 Authorized-delegate trust is not the consumer trust account","5.5 Timely transmission and refund","Federal/state distinctions","S_IA-P4-E01 — Custodial account, no fee deducted","S_IA-P4-E02 — Fee already deducted and posted once","S_IA-P4-E03 — Rejected settlement proposal","S_IA-P4-E04 — Federal dedicated account and no double subtraction","Case A — Earned fee remains inside current account balance","Case B — Same fee was already withdrawn","S_IA-P4-E05 — Separate Chapter 533C transmitter","S_IA-P4-E06 — Sum-certain accumulation","S_IA-P4-E07 — Records-period reconciliation","Actually read or re-read in PASS-04","Reused from reviewed P1–P3","Targeted searches that did not produce relied-on authority","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-04","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["repossession"],"subject":["client-money"]},"scope":"ReviewedP1remainingIowafunds/trust/account/administrator/return component plusactual36month/fiveyearrecordsgap; P2/P3completion/renewal/currentness/provider/broaderholdsretained.","pending_corrections":0},{"key":"s_ia--pass-05","task":"S_IA","title":"Iowa debt-management bond, security, and necessary consumer-recovery component","parent_title":"Iowa debt and debt relief law","edition":"pass-05","path":"/research/s_ia--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":28,"sources":10,"review_status":"scoped_review_complete_bounded_correction_addressed_other_holds_remain","review_complete":true,"sha256":"0f0c34b829b68e1745b21a6517fdbbc6c3350da6fba4e55f46a570d1d6991bd4","headings":["Iowa debt-management bond, security, and necessary consumer-recovery component","Bounded conclusion","1.1 Who must obtain and maintain the bond","1.2 Amount, office base, and branch treatment","1.3 Issuer and approval","1.4 Authorized security form","2.1 Bond conditions","2.2 Payee and intended protected class","2.3 Debtor loss versus provider liability","3.1 Continuing maintenance","3.2 Surety cancellation and breach cutoff","3.3 Aggregate liability","3.4 Name, location, and branch changes","3.5 Bond records","3.6 Surety insolvency and guaranty association","4.1 NMLS electronic bond process","4.2 Current Iowa-specific bond form","4.3 Public complaint route","4.4 Public availability of provider bond details","5.1 Superintendent remedies against a licensee","5.2 Private action","5.3 Judgment or agency order as a prerequisite","5.4 Decisions and formal interpretations","S_IA-P5-E01 — One consumer, loss below available penal sum","S_IA-P5-E02 — Money already returned is credited once","S_IA-P5-E03 — Multiple consumers exceed one office’s aggregate","S_IA-P5-E04 — Cancellation cutoff","S_IA-P5-E05 — Two offices do not automatically stack","S_IA-P5-E06 — Prior payments and uncertain remaining capacity","S_IA-P5-E07 — Restitution and bond recovery are not additive for the same loss","S_IA-P5-E08 — Statutory per-office requirement versus NMLS filing architecture","Actually read or re-read in PASS-05","Reused but not regenerated","Not treated as reviewed","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-05","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":["counseling-dmp","provider-security","provider-remedies"]},"scope":"ExactreviewedP1excluded bond/security/necessaryrecoverygap, independent of P4unreviewedfundsreport; all broaderholdsretained.","pending_corrections":0},{"key":"s_ia--pass-06","task":"S_IA","title":"Iowa mandatory agreement, disclosure, signature, electronic-consent, notice, amendment, and waiver component","parent_title":"Iowa debt and debt relief law","edition":"pass-06","path":"/research/s_ia--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":38,"sources":7,"review_status":"scoped_review_complete_requested_corrections_addressed_with_holds","review_complete":true,"sha256":"2fd6e2320a3741ff809d818aed65eeb63e7ac49d3fd0e070a987e491b1072607","headings":["Iowa mandatory agreement, disclosure, signature, electronic-consent, notice, amendment, and waiver component","Bounded disposition","1.1 Coverage is activity-based","1.2 Mandatory pre-enrollment sequence","1.3 No general ordinary cooling-off period established","2.1 Mandatory pre-signature disclosures","2.2 Universal written-contract clauses","2.3 Model-specific contract and operational terms","2.4 Educational-loan contract package","2.5 Clauses not established as universally mandatory","3.1 Ordinary signatures versus educational-loan signatures","3.2 Complete agreement before execution","3.3 “True copy” delivery","3.4 Iowa UETA requirements","3.5 Separate electronic documents","3.6 Educational-loan electronic form problem","3.7 Federal E-SIGN overlay","4.1 General cancellation language","4.2 Noncustodial discontinuation notice","4.3 Educational-loan cancellation","4.4 Provider termination and licensing events","4.5 Adding debts and material amendments","4.6 Fee changes","4.7 Assignment","4.8 Prohibited and void terms","5.1 Application submission is not form approval","5.2 Public forms and checklists","5.3 Compiled rule record requirements","5.4 Iowa decisions","Burroughs v. City of Davenport Zoning Board of Adjustment","Bruggeman v. Narnus Property Management, LLC","Exact Chapter 533A decisions","S_IA-P6-E01 — Ordinary noncustodial debt-settlement enrollment","Inputs and events","Required event sequence","S_IA-P6-E02 — Electronic copy that cannot be retained","Facts","Analysis","S_IA-P6-E03 — Custodial contract and creditor-consent boundary","Inputs","Agreement result","Separate operational result","S_IA-P6-E04 — Educational-loan electronic contract and cancellation","Contract package assumptions","Event sequence","S_IA-P6-E05 — Ordinary noncustodial cancellation by mail","Events","S_IA-P6-E06 — Attempt to add another debt after enrollment","Original contract","Later event","Result","S_IA-P6-E07 — Waiver and communication restriction","Proposed clauses","Results","S_IA-P6-E08 — Email negotiations without the statutory package","Facts","Actually read or re-read in PASS-06","Reused without regeneration","Not treated as reviewed authority","Bounded searches that did not produce relied-on exact authority"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-06","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["origination","repossession"],"subject":["agreements-disclosures","privacy-data"]},"scope":"ExactreviewedP1remainingagreement/disclosure/consentgap, independent of P4funds/P5bondunreviewedoutputs; all broaderholdsretained.","pending_corrections":0},{"key":"s_ia--pass-07","task":"S_IA","title":"Bounded source-qualification correction","parent_title":"Iowa debt and debt relief law","edition":"pass-07","path":"/research/s_ia--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":4,"claims":4,"sources":1,"review_status":"scoped_review_complete_accepted_with_limits","review_complete":true,"sha256":"2189c9372de0abeb4313d26c13ecc5d1fd9f0e357fa972ea419850a572274e47","headings":["Bounded PASS-05 source-qualification correction","1. Exact drop-in narrative replacements","PASS-05 §1.3 — replacement for the limited Chapter 636 discussion","PASS-05 §2.2 — replacement for its final corporate-surety service paragraph only","2. Replacement and distinct atomic-claim table","3. Drop-in replacements for the affected security/claimant/remedy matrix rows","4. Source-use correction: retain S_IA-P5-S003","Narrow interpretation search","5. Affected-original-entry crosswalk and coverage correction","Unresolved issues specific to this patch","6. Preserved findings and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-07","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP05 corporate-surety amount-acceptance636.17 and commissioner-service636.20 timing qualifications only; preserve other supported findings/math and all holds.","pending_corrections":0},{"key":"s_ia--pass-08","task":"S_IA","title":"Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway","parent_title":"Iowa debt and debt relief law","edition":"pass-08","path":"/research/s_ia--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":48,"sources":32,"review_status":"revise_one_bounded_source_read_range_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"ebae5aae4dd85d289a11bef33fef67ebf1a8b77b47547b6e9ce49d5bc22df310","headings":["Ordinary consumer-debt limitation, accrual, acknowledgment, payment, and judgment-duration gateway","A1. The 2026 compilation requires a later-enactment qualification","A2. Classification and accrual matrix","A3. Writing, signature, and proof are different questions","A4. Installments, acceleration, maturity, and cure","A5. Burden and validity boundary","B1. Iowa’s statutory revival rule","B2. Before expiry, after expiry, and resulting period","B3. Assignment and debt sale","B4. Bankruptcy is a separate boundary","C1. Choice of law and borrowing are not a shortest-period formula","C2. Tolling and related doctrines","C3. Filing, service, savings, and relation back","D1. Distinct legal objects","D2. “Renewal” must describe the actual mechanism","D3. Assignment can matter in special judgment categories","D4. Satisfaction and actual ownership","D5. Federal collection and reporting boundaries","Unpublished-opinion qualification","Shared counting assumptions","M01 — Signed writing versus oral/open-account/card alternatives","Stipulated written-note facts","Effective-acceleration alternative","Different-obligation alternatives","M02 — Pre-expiry and post-expiry acknowledgment versus payment","Original obligation","Branch A: qualifying pre-expiry acknowledgment","Branch B: qualifying post-expiry acknowledgment","Branch C: no qualifying writing","Non-debtor entries","M03 — Borrowing, tolling, savings, filing, and service","Base Iowa branch","Foreign-bar alternative","Statutory-prohibition alternative","Commencement/service alternative","Savings alternative","M04 — Entered judgment, lien, execution, and a new action","Original judgment","Proper separate-action alternative","Adverse alternatives","Actual work performed","Failed or limited routes","Remaining legal research gaps","What was not done"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-08","facets":{"geography":["us","us-ia"],"debt_type":["unknown"],"stage":["judgment"],"subject":["definitions-classification","limitations-revival","judgments-duration"]},"scope":"ReviewedP01 exact broaderlimitations hold + explicit parent limitation/accrual/acknowledgment/payment/judgmentduration narrowed ordinaryconsumer limitation and necessary judgmentduration. P04/P06 unreviewed not premises; P05/P07 surety service not ordinary limitation.","pending_corrections":1},{"key":"s_ia--pass-09","task":"S_IA","title":"Bounded P04 claim-link and source-pinpoint repair","parent_title":"Iowa debt and debt relief law","edition":"pass-09","path":"/research/s_ia--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":4,"claims":1,"sources":3,"review_status":"scoped_review_complete_requested_repairs_addressed_with_holds","review_complete":true,"sha256":"7b7b5169ded4154b88bb48a1bcc2681c1190835a2bdf83378bfa4153edeb8493","headings":["Bounded P04 claim-link and source-pinpoint repair","1. One added atomic records claim","2. Minimal body-link and coverage replacements","P04 §3.3 — Chapter 533C paragraph","Existing coverage row — same identity","3. Corrected source-use entries","4. Affected-original-entry crosswalk","5. Preserved holds and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-09","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP04 recordsatomicclaimC026/crosslink and S004/S007/necessaryS001printed-PDF locatorrepair only. P08runningmustfinishfirst; no math/newfunds/limitationreport.","pending_corrections":0},{"key":"s_ia--pass-10","task":"S_IA","title":"Bounded P06 example-premise, claim-link, and case-use patch","parent_title":"Iowa debt and debt relief law","edition":"pass-10","path":"/research/s_ia--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":7,"claims":1,"sources":5,"review_status":"scoped_review_complete_requested_repairs_addressed_with_holds","review_complete":true,"sha256":"31a5ca1c6c8058eabcb83f231670ec5fbcf3a21f5a8f1163b9fadf672530a2ef","headings":["Bounded P06 example-premise, claim-link, and case-use patch","A. Corrected S_IA-P6-E03 and affected matrix entry","S_IA-P6-E03 — Custodial contract and creditor-consent boundary","Necessary P06 §2.3 matrix replacement","B. One new claim and one corrected coverage link","Add S_IA-P6-C039","Replace only the existing consent coverage row","C. Bruggeman context, source-use, and citation qualification","Replacement for P06 §5.4’s Bruggeman discussion","Limited C036 and E08 replacements","Narrow source-use and pinpoint table","D. Precise affected-entry crosswalk"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-10","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP06mixed-branchE03/newC039atomiccrosslink/caseusequalification only","pending_corrections":0},{"key":"s_ia--pass-11","task":"S_IA","title":"Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway","parent_title":"Iowa debt and debt relief law","edition":"pass-11","path":"/research/s_ia--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":50,"sources":21,"review_status":"scoped_coordinator_collector_notification_security_remedy_fee_review_with_unresolved_threshold_source_currentness_application_holds","review_complete":true,"sha256":"7133ff9c70cadc4bae523db181d863aadf1dc95583adefb3ac8565a184de97b0","headings":["Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway","Principal findings","A1. The underlying obligation must qualify","Credit must actually have been granted","A2. Actor/debt/stage matrix","A3. Iowa and federal definitions do not match","A4. Remote and out-of-state conduct","B1. Notification is not a collection license","B2. Threshold and version discrepancy","B3. Notification, fees, exemptions, and security matrix","Volume-fee base","Rule history actually checked","B4. Specialized loan collection can require authorization","B5. General entity qualification and investigation work","C1. Narrow conduct and charge matrix","C2. Legal-practice boundaries","C3. Client money is not consumer-fee permission","D1. Responsible bodies and public entry routes","D2. Public and private remedies are different","Private-action qualifications","Failure to notify alone is not the same claim as abusive collection","Citation-rule qualification","M01 — Same obligation, three different collection actors","Shared stipulations","M02 — Remote entity, general qualification, and government fees","Ordinary collector branch","Separate assignee-volume branch","M03 — Demanded collection cost and a separate client-money ledger","Demand","Actual payment and separate commission","M04 — Complaint, private recovery, and public enforcement","Branch A: proven collection violation","Branch B: distinct excess-charge claim","Branch C: public notification enforcement","K1. Contribution to the authorized remainder","K2. Actual reads and source limitations","Failed routes and nonrelied material","K3. Remaining currentness and interpretation holds","K4. Actions not taken"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-11","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"ExactreviewedP01broadcollectionhold+explicitparentcollectionlicensing/originalcreditorvsthirdparty narrowed ordinaryconsumercollectoractor/marketaccess/security/publicproceduregateway. Otherpassesnotlicensingpremises; P08unreviewed and P10separatecorrection","pending_corrections":0},{"key":"s_ia--pass-12","task":"S_IA","title":"Ordinary consumer-debt collection communications and prohibited conduct","parent_title":"Iowa debt and debt relief law","edition":"pass-12","path":"/research/s_ia--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":64,"sources":16,"review_status":"scoped_coordinator_communications_validation_calendar_review_with_federal_access_failures_and_source_currentness_application_holds","review_complete":true,"sha256":"b329b2539cf039f400e823649429285835d534fe98171a8f187aceb687e90c44","headings":["Ordinary consumer-debt collection communications and prohibited conduct","1.1 Iowa’s conduct definition includes collection for oneself","1.2 Federal coverage is narrower in some respects and different in others","1.3 Actor and cumulative-law matrix","2.1 Threats, harassment, identity, amount, and unfair means","Initial and subsequent disclosures","2.2 Third parties, employers, relatives, and exposed mail","3.1 Different instructions trigger different duties","3.2 Times, places, workplace, and represented consumers","3.3 Third parties and location information","3.4 Written cease-contact and medium-specific opt-out","3.5 Calls: presumptions, not a universal seven-call allowance","3.6 Limited-content voicemail and electronic channels","3.7 False representations, postdated instruments, and unfair charges","4.1 Three different communications must not be confused","4.2 Initial communication and follow-up timing","4.3 Required validation contents","4.4 Receipt, the thirty-day period, and electronic delivery","E-SIGN applies differently to different electronic messages","4.5 Oral dispute, written dispute, and original-creditor request","5.1 Iowa","5.2 Federal","5.3 Public complaints","6.1 Regulatory status","M01 — Same obligation, different actor","Shared facts","M02 — Representation, workplace, and relatives","Events","Conditional branches","M03 — Initial notice, assumed receipt, dispute, and cease-contact","Stipulated dates and delivery","Dispute branches","M04 — Call frequency, text opt-out, and false amount","Stipulations","Amount branch","M05 — Liability and award units","Iowa branch","Federal branch","Failed routes and replacement status","12.1 Contribution to the reviewed remainder","12.2 Actually read","12.3 Not established","12.4 Actions not taken"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_IA/pass-12","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["collection"],"subject":["collection-conduct"]},"scope":"ReviewedP01exactcollectionhold+parentcategory2, narrowedcommunications/prohibitedconduct/necessaryvalidationevents; P08/P11unreviewednotpremises","pending_corrections":0},{"key":"s_ks--pass-01","task":"S_KS","title":"Kansas provider market access and consumer fees","parent_title":"Kansas debt and debt relief law","edition":"pass-01","path":"/research/s_ks--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":8,"claims":44,"sources":18,"review_status":"revise","review_complete":true,"sha256":"89708f7215416a95754089be7592ff543e453beee00e297f8842967a906c0117","headings":["Kansas provider market access and consumer fees","Bottom-line determination","1. Classification of debt adjustment, settlement, DMP, credit counseling, and related conduct","1.1 The controlling test is functional, not the provider’s label","1.2 Custodial DMP and noncustodial settlement are distinct but both can be covered","1.3 Credit counseling boundary","1.4 Consumer, business-purpose debt, and entity debt","1.5 Resident and remote-provider nexus","2. Prohibited, licensed, authorized, and exempt models","2.1 Model-access matrix","2.2 Licensing authority and conditions","2.3 Attorney and law-firm exemption","2.4 Nonprofit and institutional status","2.5 Original creditor and self-creditor conduct","2.6 Separate criminal debt-adjusting provision","3. Current consumer fees and historical reconciliation","3.1 Verified current Kansas fee schedule","3.2 Timing within the state fee statute","3.3 No verified percentage or success-fee pathway","3.4 Counseling and educational fee branch","3.5 Unauthorized-fee consequence","3.6 Historical amounts and effective change","4. When fees may be imposed or received","4.1 Kansas state timing","4.2 Federal TSR timing is an independent layer","4.3 Dedicated accounts","4.4 Conditional CROA and TSR credit-repair overlap","5. Regulator, application route, and public license verification","5.1 Regulator and authorization route","5.2 Current-procedure limitation","5.3 Named-provider status","6. Bounded fee and boundary examples","7. Component coverage and future investigations","Kansas statutes, regulations, and agency materials","Cases and federal common-context authorities","D1. Worked fee and boundary examples","Example 1 — Three-creditor plan","Example 2 — Twelve creditors over twelve months","Example 3 — Lower-debt consumer and percentage-fee boundary","Example 4 — Partial settlement and creditor-count change","Example 5 — Prior fees followed by cancellation","Example 6 — Voluntary contribution ceiling","Example 7 — Counseling fee with no numeric ceiling","Example 8 — Insufficient payment and electronic processing","Example 9 — Unauthorized 25% enrollment fee","Example 10 — Creditor-paid compensation","D2. Scope coverage and gap table","Actually read or inspected","Not read, not obtained, or not established","Source-access qualifications"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-01","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Kansasprovider-access/fees component only;allbroader statecategoriesrequired","pending_corrections":0},{"key":"s_ks--pass-02","task":"S_KS","title":"Bounded precision-correction addendum","parent_title":"Kansas debt and debt relief law","edition":"pass-02","path":"/research/s_ks--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":17,"sources":9,"review_status":"accepted_with_limits","review_complete":true,"sha256":"487ef185555f5376c14133cd686eb87536e6d1d688735ce01fa131bb64aec8d2","headings":["Bounded precision-correction addendum","A1. Replace the A3.1 electronic-processing fee row","Replacement for S_KS-P1-C026","A2. Replace PASS-01 Example E08 only","E08 — Insufficient payment and electronic processing: corrected two-branch predicate","A3. Replace A4.4 credit-repair timing paragraph","Replacement for S_KS-P1-C036","A4. Replace the A4.2/C033 debt-relief timing shorthand","Replacement for S_KS-P1-C033","A5. Attorney-exemption prose replacement","A6. Nazar qualification replacement","Freshly checked in PASS-02","Preserved supplied or prior-read history","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-02","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyreviewedprecisionpatch:electronicpaymentagreementpredicate/TSRcreditrepairfullconditions/selectedsourcepinpointsandversionaccessqualifications;nofullreportorunresolvedarchitecturererun","pending_corrections":0},{"key":"s_ks--pass-03","task":"S_KS","title":"Kansas consumer-money custody, trust, administration, and return","parent_title":"Kansas debt and debt relief law","edition":"pass-03","path":"/research/s_ks--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":38,"sources":11,"review_status":"accepted_with_limits_checked_core_three_material_patchgroups_resolved","review_complete":true,"sha256":"f4a0ffe9a32b927a2640eb589cf60e81195e8e32802f7f23e944cff09d9a2bf8","headings":["Kansas consumer-money custody, trust, administration, and return","1. Covered fund flows and account architecture","1.1 Direct custodial debt-management flow","1.2 K.S.A. 50-1120(c)(5)–(6) remains structurally custodial","1.3 Indirect custody and control","1.4 Consumer-owned designated accounts","1.5 Creditor-paid flows","Account and model matrix","2. Institution, account designation, segregation, deadlines, fees, interest, and shortages","2.1 Institution and account designation","2.2 Four-calendar-day deposit rule","2.3 Creditor-distribution deadline","2.4 Permitted trust-account destinations","2.5 Segregation and commingling","2.6 Misdirected payments","2.7 Interest, reserves, shortages, and reversals","3. Consumer ledgers, statements, regulator access, records, and account changes","3.1 Per-consumer ledger","3.2 Consumer statements","3.3 General records and retention","3.4 Annual and event reporting","3.5 OSBC Trust Account Authorization and Consent","3.6 Surrender report","3.7 Examination and regulator control","4. Cancellation, creditor rejection, provider termination, surrender, and insolvency","4.1 Consumer rescission","4.2 Completed remittances versus currently held money","4.3 Previously paid fees","4.4 Rejected creditor plan or failed enrollment","4.5 Provider termination or agreement termination","4.6 Surrender, lapse, and account closure","4.7 Insolvency","5. Limited Kansas money-transmission gateway","5.1 Definition and license requirement","5.2 Material exemptions","5.3 Payee-agent and intermediary distinctions","5.4 Authorized delegates","5.5 Unlicensed-principal exposure","5.6 KMTA refund provision","5.7 Direct CSO–KMTA overlap remains held","6. Conditional federal dedicated-account overlay","Common assumptions","Ledger L1 — Normal custodial receipt and remittance","Ledger L2 — Written rescission using the preserved $1,200 current-held balance","Ledger L3 — Completed creditor payment before rescission","Ledger L4 — Misdirected payment and actual creditor charge","Ledger L5 — Creditor rejects plan before remittance","Branch A — No rescission yet","Branch B — Consumer then provides written rescission","Ledger L6 — Pooled trust with consumer subledgers","Shortage branch","Ledger L7 — Conditional federal dedicated-account withdrawal","Ledger L8 — Independent administrator classification hold","Actually read or inspected in PASS-03","Preserved without wholesale rerun","Not read, not obtained, or not established","Method limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-03","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"ReviewedP1remainingfunds/trust/account/examination/administrator/return operational component, priorP2precision andbroaderholdsretained.","pending_corrections":0},{"key":"s_ks--pass-04","task":"S_KS","title":"Kansas bond, insurance, and alternative-security component","parent_title":"Kansas debt and debt relief law","edition":"pass-04","path":"/research/s_ks--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":40,"sources":14,"review_status":"accepted_with_limits_checked_core_source_provenance_patch_resolved","review_complete":true,"sha256":"ee29516497dd6c72bc25609f52d114fdb5178e7c13ebc37e266d88d9f88d60af","headings":["Kansas bond, insurance, and alternative-security component","1. Operative security requirement and model coverage","1.1 Trigger","1.2 One applicant or licensee; no automatic affiliate coverage","1.3 Applicant, principal, obligee, and issuer","1.4 Bond versus other financial requirements","Model-security matrix","2. Amount, formula, adjustment authority, alternatives, and waiver","2.1 Current verified amount","2.2 Increase authority","2.3 Alternative security","2.4 Insurance wording","Amount and instrument matrix","3. Current forms, riders, certificates, and filing route","3.1 OSBC public page","3.2 NMLS electronic surety bond route","3.3 Form CSO-2 specimen","3.4 Current-form and checklist gap","4. Effective coverage, maintenance, cancellation, replacement, and tail","4.1 Filing and maintenance","4.2 Initial effective date","4.3 Cancellation notice","4.4 Pre-cancellation liability","4.5 License-end tail","4.6 Replacement, reinstatement, and reduction","Event and continuing-liability matrix","5. Claimants, covered losses, procedure, aggregation, and excess liability","5.1 Statutory recovery categories","5.2 Commissioner determination versus court judgment","5.3 Who may present or sue on a claim","5.4 Aggregate limit","5.5 Priority, allocation, exhaustion, and replenishment","5.6 Liability beyond the bond","5.7 Cases and orders","Recovery matrix","6. Legislative history and currentness","6.1 2004 enactment","6.2 2017 amendment","6.3 Currentness qualification","Common conditions","Example S1 — Publicly verified base amount","Example S2 — Hypothetical higher amount","Example S3 — Multiple claims under the specimen’s aggregate term","Example S4 — Loss exceeds bond amount","Example S5 — Cancellation and pre-effective violation","Example S6 — Surrender and the two clocks","Example S7 — Proposed cash substitute","Example S8 — Nonprofit noncustodial provider","Example S9 — Affiliate administrator","Example S10 — Replacement before cancellation","Actually read or inspected in PASS-04","Evidence-backed reuse, not a fresh complete read","Not read or not obtained","Method and conclusion limits","PASS-04 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-04","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["provider-security"]},"scope":"ExactreviewedP1remaining bond/insurance/security gap independent of unreviewedfunds; broaderholdsretain","pending_corrections":0},{"key":"s_ks--pass-05","task":"S_KS","title":"Kansas mandatory agreement, disclosure, and execution component","parent_title":"Kansas debt and debt relief law","edition":"pass-05","path":"/research/s_ks--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":56,"sources":11,"review_status":"reviewed_targeted_clarification_resolved_with_limits","review_complete":true,"sha256":"2874c84eeb37fe1d14f813e4ccb0671da168f3edd5b05e829b365193cdca93f2","headings":["Kansas mandatory agreement, disclosure, and execution component","1. Scope, definitions, and model-specific application","1.1 The agreement duties follow covered status","1.2 Model-security and structural fit","1.3 A license and fee ceiling do not validate a particular agreement","2. Pre-service work and every mandatory agreement clause","2.1 Pre-service education and suitability work","2.2 Sequencing qualification","2.3 Form, signatures, dates, and copy","2.4 Mandatory clause checklist","2.5 Terms the reviewed Kansas clause list does not expressly require","2.6 Prohibited agreement structures and sales conduct","3. Signature, assent, effectiveness, delivery, readability, and electronic contracting","3.1 Paper execution","3.2 Kansas UETA","3.3 The signed-copy requirement in an electronic flow","3.4 Federal E-SIGN boundary","3.5 Language and readability","4. Rescission, notice, modifications, assignments, and prohibited waivers","4.1 Continuing written rescission right","4.2 Electronic rescission notice","4.3 Ten-calendar-day computation","4.4 Cancellation, fee refunds, and voidness are distinct","4.5 Amendments, extensions, and debt changes","4.6 Assignment","4.7 Provider termination and service pause","4.8 Waiver, arbitration, and choice of law","5. Regulator materials and materially relevant court authority","5.1 Public OSBC forms and instructions","5.2 Current guidance","5.3 Administrative interpretations","5.4 NMLS checklist","5.5 Nazar v. Allied Consumer Services","5.6 Consequence of an omitted clause","6. Operational conclusions and held outcomes","B1. Required-clause versus optional-term matrix","B2. Execution matrix","B3. Event matrix","Example E1 — Evidence-backed paper onboarding workflow","Example E2 — Consumer signs, provider does not","Example E3 — Noncustodial settlement agreement","Example E4 — Retainable electronic execution","Example E5 — Expiring view-only portal","Example E6 — Electronic written rescission","Example E7 — Adding a creditor","Example E8 — Fee change during the term","Example E9 — Broad waiver and arbitration paragraph","Example E10 — Automated enrollment error","Actually read or inspected in PASS-05","Preserved, not rerun","Not read, obtained, or established","Method limits","PASS-05 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-05","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP1remaining mandatoryagreement/disclosure/execution gap independentofunreviewedfunds/security","pending_corrections":0},{"key":"s_ks--pass-06","task":"S_KS","title":"Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations","parent_title":"Kansas debt and debt relief law","edition":"pass-06","path":"/research/s_ks--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":60,"sources":23,"review_status":"reviewed_with_targeted_corrections_resolved_remaining_holds","review_complete":true,"sha256":"a07fd07b92bdb77fb4edfabe683782f4066de9f056d9903eed6823adaef48671","headings":["Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations","A1. Model-by-remedy matrix","A2. Remedy-by-claimant matrix","B1. Operative rule","B2. Distinct legal effects","B3. Bona-fide-error boundary","C1. Licensing discipline under K.S.A. 50-1127","C2. Investigation and examination","C3. Formal remedial order under K.S.A. 50-1129","C4. Emergency order","C5. Complaint submission is not adjudication or tolling","D1. Injury and damages","D2. Punitive damages","D3. Injunction","D4. No general pre-suit notice or cure requirement found","E1. KCSOA violation becomes deceptive, not automatically unconscionable","E2. KCPA parties and transaction boundary","E3. Violation versus private aggrievement","E4. Private monetary remedy","E5. Violation unit","E6. Class actions","E7. Attorney fees","E8. Government enforcement and consent judgments","E9. Professional and regulated entities","E10. Protected consumers","F1. KCSOA criminal offense","F2. Separate debt-adjusting offense","F3. Registration/licensing mismatch","F4. Criminal sanctions and limitation","H1. Deadline matrix","H2. Private KCPA period","H3. KCPA accrual","H4. Direct KCSOA period","H5. Tolling provisions","H6. Government KCPA enforcement","H7. Administrative review","Example J1 — Unauthorized $1,000 charge, no bona-fide-error qualification","Example J2 — Accidental bona fide $200 processing mistake","Example J3 — Violation without private injury","Example J4 — Private KCPA damages versus penalty","Example J5 — OSBC ordinary and elder/disabled penalties","Example J6 — Direct KCSOA damages plus KCPA route","Example J7 — Custodial criminal model versus noncustodial model","Branch A — Custodial periodic model","Branch B — Noncustodial negotiation","Example J8 — KCPA accrual and separate later harm","Example J9 — Administrative appeal sequence","Example J10 — Punitive cap arithmetic","Example J11 — Attorney-connected noncustodial company","Example J12 — Potentially expired private claim but continuing government route","Actually read or inspected in PASS-06","Preserved rather than regenerated","Not read or not obtained","Method limits","PASS-06 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-06","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["provider-remedies","limitations-revival"]},"scope":"Exact reviewed P1 deferred remedies/enforcement and criminal-registration reconciliation; independent of unreviewed P3/P4/P5.","pending_corrections":0},{"key":"s_ks--pass-07","task":"S_KS","title":"Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","parent_title":"Kansas debt and debt relief law","edition":"pass-07","path":"/research/s_ks--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":63,"sources":25,"review_status":"revise_bounded_paid_outside_cost_predicate_UNSENT_other_holds_retained","review_complete":true,"sha256":"8e24c4be27ab46d213b82587c9ed678bacd329add1aa10e3bb74460295060407","headings":["Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","A1. No general statewide OSBC collection-agency license established","A2. Kansas UCCC jurisdiction and remote nexus","A3. Supervised-lender licensing of assignees and debt buyers","A4. Supervised-lender lifecycle and places of business","A5. Supervised-lender attorney exemption is narrow","A6. Consumer Credit Filer regime","Current statutory ambiguity","A7. Public application and verification routes","A8. Government fees and financial responsibility","C1. KCPA applies to independent collection agencies","C2. Deceptive collection conduct","C3. Unconscionable collection conduct","C4. UCCC good faith and applicable-law duties","C5. Communication times, places, frequency, workplace, third parties, and cease requests","C6. General Kansas telecommunication harassment","C7. Collection fees and costs","C8. Payment credit and processing","C9. Default and cure","C10. Disputes, cease requests, bankruptcy, death, and credit reporting","C11. CSO and collection-agency separation","E1. FDCPA scope","E2. Debt buyers","E3. Attorneys and litigation","E4. Security-interest enforcement","E5. Regulation F is conditional federal law","E6. State-law preservation","G1. State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc.","G2. Independent Financial, Inc. v. Wanna","G3. Kansas Attorney General Opinion 2012-11","G4. Henson, Heintz, and Obduskey","G5. Formal orders and current interpretations","Example H1 — Original creditor collecting in its own name","Example H2 — Original creditor uses a fake outside agency name","Example H3 — Debt buyer acquires a $5,000, 24% consumer loan","Example H4 — Passive portfolio owner hires a servicer","Example H5 — Consumer Credit Filer fee arithmetic","Example H6 — Outside collection-cost ceiling","Example H7 — Remote third-party agency contacts consumer at work","Example H8 — Attorney receives forwarded accounts versus buys debt","Branch A — Forwarded contracts","Branch B — Attorney-owned company buys the accounts","Example H9 — False legal threat and added 20% fee","Example H10 — Medical debt versus corporate commercial debt","Medical debt","Corporate invoice","Actually read or inspected in PASS-07","Preserved rather than regenerated","Not read, obtained, or established","Method limits","PASS-07 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-07","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Distinct required registry dimension2: collector licensing/model coverage and state-specific conduct only; detailed validation/reporting/litigation/remedies later.","pending_corrections":1},{"key":"s_ks--pass-08","task":"S_KS","title":"Bounded security source/provenance corrections","parent_title":"Kansas debt and debt relief law","edition":"pass-08","path":"/research/s_ks--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits_bounded_source_provenance_patch","review_complete":true,"sha256":"12093636d821c32e0e0d3291d1499df21342740efe04ca4e99e49acbb7ad267b","headings":["Bounded PASS-04 security source/provenance corrections"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-08","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P4four source-locator/provenance/NMLSprocedureconflict/specimenclock groups and S3excessprecision; no security/collector report rerun.","pending_corrections":0},{"key":"s_ks--pass-09","task":"S_KS","title":"Kansas prelitigation debt validation, disputes, and consumer access to account documentation","parent_title":"Kansas debt and debt relief law","edition":"pass-09","path":"/research/s_ks--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":52,"sources":13,"review_status":"three_bounded_source_predicate_corrections_pending_UNSENT_other_holds_retained","review_complete":true,"sha256":"d959b0b59fbbd14ef63c2c01765d467a05512669546dd2f4480941e077cd1d32","headings":["Kansas prelitigation debt validation, disputes, and consumer access to account documentation","A1. Scope and actor predicates","A2. Original agreement copy","A3. Assignment notice and reasonable proof","Operative Kansas rule","What the provision does not specify","A4. Payment receipts and account statements","Cash or coin receipt","Fifteen-month payment history and payoff","Evidence of payment in full","Kansas appellate interpretation","A5. Electronic records and delivery","B1. Statutory purpose and access","B2. Current K.A.R. 75-6-38","Originating records","Collection and enforcement records","Servicing records","Defaulted-debt purchase records","B3. Retention is not consumer production","C1. Coverage gateway","C2. Initial validation information","Required debt information","C3. Validation period and assumed receipt","C4. Oral dispute versus written dispute","Oral or other nonwritten dispute during the validation period","Timely written dispute","Timely written original-creditor request","During the unexercised validation period","C5. Written methods","C6. Duplicative disputes","C7. Late disputes and requests","C8. Verification standard","C9. Actual receipt and internal processing","C10. Overshadowing","C11. Successor collectors","C12. Electronic validation delivery","C13. Model Form B-1","C14. Federal record retention","D1. Actor-by-duty matrix","D2. Request and pause matrix","D3. Records: existence, access, and proof","D4. Paper and electronic delivery matrix","E1. Community First National Bank v. Nichols","E2. Lupia v. Medicredit, Inc.","E3. Maynard v. Cannon","E4. Ferree v. Marianos","E5. Lee v. Cohen, McNeile & Pappas","E6. Henson v. Santander","Example F1 — Kansas assignment-proof request","Example F2 — Closed-end 15-month statement","Example F3 — Regulation F itemization","Example F4 — Timely written federal dispute","Example F5 — Oral dispute","Example F6 — Timely original-creditor request","Example F7 — Late dispute","Example F8 — Successor collector","Example F9 — Electronic statement delivery","Actually read or inspected in PASS-09","Preserved but not adopted or regenerated","Not read, obtained, or established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-09","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["collection","lawsuit"],"subject":["validation-disputes"]},"scope":"Distinct explicitly deferred prelitigation validation/dispute/account-documentation component; P7collector/P8securitypatch unreviewed notpremises; creditreporting/litigation later.","pending_corrections":3},{"key":"s_ks--pass-10","task":"S_KS","title":"Bounded funds/source corrections","parent_title":"Kansas debt and debt relief law","edition":"pass-10","path":"/research/s_ks--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits_three_group_funds_source_patch","review_complete":true,"sha256":"0faf48572f7ea3ef1f8a4fb38b2eb703535c8ddf77c901126088f58c303fbbb1","headings":["Bounded PASS-03 funds/source corrections"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-10","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":[]},"scope":"Three bounded P3timing/remittanceinterpretation/2026bank-agentamendment corrections only","pending_corrections":0},{"key":"s_ks--pass-11","task":"S_KS","title":"Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays","parent_title":"Kansas debt and debt relief law","edition":"pass-11","path":"/research/s_ks--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":62,"sources":13,"review_status":"revise","review_complete":true,"sha256":"c55b00464f09a74df17f49d3be6bc942ec1cb6a6a2a94e7666ae4113ccfe3dea","headings":["Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays","A1. Kansas actor and duty matrix","A2. Kansas file access","A3. Kansas CRA dispute procedure","A4. Kansas obsolete-information rules","A5. Kansas security freezes","A6. Kansas enforcement and regulatory status","B1. CRA file access","B2. CRA dispute workflow","Trigger","CRA duties","Unresolved disputes","No collection pause","B3. Reinsertion","B4. General furnisher accuracy and updating duties","B5. Furnisher duties after CRA notice","B6. Direct furnisher disputes","Covered subjects","Exclusions","Address and content","Investigation and response","Frivolous or irrelevant direct disputes","B7. Furnisher accuracy-and-integrity policies","C1. Date of first delinquency","C2. Ordinary collection and charge-off clock","C3. Paid and settled accounts","C4. Sale, assignment, and duplicate reporting","C5. Original creditor and current owner information","C6. Negative-information notice","D1. Preemption","D2. CFPB interpretations and vacatur","G1. CRA dispute timeline","G2. Direct furnisher dispute","G3. CRA dispute versus FDCPA validation","G4. Paid settlement without automatic deletion","G5. Sold collection and federal reporting clock","G6. Reinsertion","G7. Incomplete direct dispute","G8. Transfer and possible duplicate reporting","G9. Kansas CRA dispute layered with federal timing","Actually read or inspected in PASS-11","Preserved but not adopted","Not read, obtained, or established","Method limits","PASS-11 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-11","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Distinct ordinary consumer-debt reporting/furnishing/CRA-directdispute registryitem2 component; P10must finish/capture, no unreviewed prior legal premise","pending_corrections":4},{"key":"s_ks--pass-12","task":"S_KS","title":"Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival","parent_title":"Kansas debt and debt relief law","edition":"pass-12","path":"/research/s_ks--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":60,"sources":29,"review_status":"revise","review_complete":true,"sha256":"54392d6384dfbc23a5c67368a581a46c3fa8b6310b8ad5597da64e5a89e3f644","headings":["Kansas ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival","A1. Written versus unwritten obligations","A2. Credit cards and revolving debt","A3. Open accounts","A4. Account stated","A5. Negotiable instruments","B1. General accrual rule","Events that may establish accrual","Events that do not automatically establish accrual","B2. Installment obligations","B3. Automatic acceleration","B4. Optional acceleration","B5. Waiver and deacceleration","B6. UCCC cure rights","B7. Assignment, sale, and charge-off","C1. Current statutory rule","C2. Payment predicates","C3. Payment can revive a time-barred debt","C4. Written acknowledgment or promise","C5. Electronic acknowledgment","C6. Settlement negotiations","C7. Revival and negotiable instruments","D1. Kansas forum treatment of limitations","D2. Generic choice-of-law clauses","D3. Kansas UCCC choice restrictions","D4. Kansas borrowing statute","D5. Absence and concealment","D6. Legal disability","D7. Savings statute","D8. Injunction tolling","D9. Bankruptcy stay","E1. Filing plus service","E2. Computing terminal days","E3. Affirmative defense and waiver","E4. Expiration does not extinguish the debt","E5. Federal time-barred-debt overlay","G1. Same breach, written versus unwritten classification","Branch A — Complete written agreement","Branch B — Unwritten or implied obligation","G2. Credit-card classification held","G3. Installments versus acceleration","Branch A — No acceleration","Branch B — Automatic acceleration on March 1, 2022","Branch C — Optional acceleration","G4. Assignment without new promise","G5. Valid part payment after the old period expired","Qualified payment branch","Invalid ledger-credit branch","G6. Signed electronic acknowledgment","G7. Cross-border branch","Kansas-resident-holder branch","Generic choice clause","G8. Negotiable demand note","Demand made","No demand","G9. Last-day filing and service relation","G10. Bankruptcy suspension","Actually read or inspected in PASS-12","Material correction identified during this pass","Access failures and source limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-12","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment"],"subject":["limitations-revival","judgments-duration"]},"scope":"Ordinary unsecured Kansas limitation/accrual/choice/tolling/revival; narrowcommencement, separatejudgments/sectors later","pending_corrections":3},{"key":"s_ks--pass-13","task":"S_KS","title":"Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure","parent_title":"Kansas debt and debt relief law","edition":"pass-13","path":"/research/s_ks--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":70,"sources":30,"review_status":"revise","review_complete":true,"sha256":"74f046e00062b4a4bddfb37a5127659fa0cacb1d730e8ee3e2c1cf3acd771c14","headings":["Kansas ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur procedure","A1. Kansas court structure","A2. Route matrix","A3. Small-claims amount and assignment restrictions","A4. Real party in interest","A5. Representation","B1. Chapter 60 venue","B2. Chapter 61 and small-claims venue","B3. FDCPA venue overlay","B4. Contractual forum clauses and federal removal","C1. Commencement","C2. Issuance and summons contents","C3. Authorized servers","C4. Method matrix","C5. Individuals, entities, minors, and protected persons","C6. Out-of-state defendants","C7. Publication","C8. Proof of service and actual notice","D1. Route-specific response matrix","D2. Chapter 60 motions","D3. Filing and serving the answer","D4. Actions that do not extend a court deadline","E1. General rule","E2. Extensions","E3. The three-day rule is narrow","F1. Chapter 60 default","F2. Rule 118 damages notice","F3. Chapter 61 default","F4. Protected persons and military status","G1. Chapter 60 grounds","G2. Chapter 61 special periods","G3. Void service versus discretionary relief","G4. Excusable neglect and extraordinary relief","G5. Void judgment timing","G6. Publication defaults","H1. Official form inventory","H2. Filing and service fees","I1. Chapter 60 personal service","I2. Chapter 60 motion served by later-paper mail","I3. Chapter 61 summons and answer","I4. Small claims original creditor versus debt buyer","Branch A — Original creditor","Branch B — Debt buyer","I5. Attempted email service","I6. Out-of-state service and default floor","I7. Chapter 61 special set-aside period","Other-than-personal Kansas service","I8. Filing-date relation and service","I9. Negotiation without court response","I10. Void service versus excusable neglect","Branch A — Void service","Branch B — Valid service, office failure","Actually read or inspected","Access limitations","Not read, obtained, or established","Numeric self-check","Method limits","PASS-13 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-13","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service"]},"scope":"Ordinary Kansas civil entry/venue/service/answer/default/boundedvacatur; separate evidence/arbitration/judgment/garnishment/sectors later","pending_corrections":4},{"key":"s_ks--pass-14","task":"S_KS","title":"Bounded electronic-rescission application clarification","parent_title":"Kansas debt and debt relief law","edition":"pass-14","path":"/research/s_ks--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":4,"sources":5,"review_status":"targeted_group_resolved_with_limits","review_complete":true,"sha256":"c3553c88ae3c065037511eeb37e4019dda0134b759b6dd565c54f1c628e1f35e","headings":["Bounded PASS-05 electronic-rescission application clarification","1. Replacement and affected cells","2. Corrected claim cells","3. Corrected coverage cell","4. PASS-14 source-access register","5. Preserved findings and remaining hold"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-14","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["origination"],"subject":[]},"scope":"One P5A4.2 electronicrescission manufactured-nonreceipt sentence: source or qualified application hold","pending_corrections":0},{"key":"s_ks--pass-15","task":"S_KS","title":"Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence","parent_title":"Kansas debt and debt relief law","edition":"pass-15","path":"/research/s_ks--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":14,"claims":58,"sources":25,"review_status":"revise","review_complete":true,"sha256":"50a5d6b478c28d814b59b1096d5aef13634d85e672f7548cc4ceec6ffb5b137b","headings":["Kansas ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence","A1. The concepts must remain distinct","A2. Plaintiff-model matrix","Important instrument distinction","A3. Assignment-chain requirements","Assignment restrictions","Prelitigation notice is not the complete court-proof rule","B1. Chapter 60","B2. Chapter 61 limited action","B3. Small claims","B4. Pleading versus evidence matrix","C1. Original-creditor contract claim","Credit-card example authority","C2. Assignee or debt-buyer contract claim","C3. Servicer claim","C4. Account stated","C5. Open account","C6. Installment claim","C7. Negotiable-instrument claim","Instrument matrix","C8. Balance and damages","Illustrative balance","C9. Admissions, stipulations, and default","Admissions in pleadings","Requests for admission","Default","D1. Five separate evidence questions","D2. Authentication","D3. Kansas business-record exception","D4. Third-party and predecessor records","Multiple hearsay","D5. Certification without live testimony","D6. Self-authentication is not merits proof","D7. Original, duplicate, and electronic records","D8. Affidavits and declarations","E1. Chapter 60 discovery matrix","Discovery is not a court response","E2. Chapter 61 discovery","E3. Discovery enforcement and sanctions","E4. Summary judgment","I1. Original creditor with complete records","I2. Assignee with generic bill of sale but no account link","I3. Assignee with account-linked chain","I4. Servicer relying on predecessor records","I5. Executive affidavit without adequate foundation","I6. Lost negotiable note","I7. Disputed fee and credit ledger","I8. Admissible record versus merits defense","I9. Discovery request versus court-response deadline","I10. Requests for admission","Actually read or inspected in PASS-15","Access and currentness limits","Not read or obtained","Numeric self-check","Method limits","PASS-15 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-15","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["lawsuit"],"subject":["ownership-transfer","proof-evidence"]},"scope":"Ordinary Kansas standing/realparty/assignmentchain/account-instrumentproof/authentication/hearsay/necessarydiscovery evidencecomponent","pending_corrections":5},{"key":"s_ks--pass-16","task":"S_KS","title":"Two bounded remedies precision corrections","parent_title":"Kansas debt and debt relief law","edition":"pass-16","path":"/research/s_ks--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":8,"sources":9,"review_status":"two_targeted_groups_resolved_with_limits","review_complete":true,"sha256":"327f164a8c5fd25ba3582418e067732fbcfd032a698a8d4df305a0c4d95905cd","headings":["Two bounded PASS-06 remedies precision corrections","1. Complete two-group disposition","2. Replacement for PASS-06 B1","B1. Operative rule — corrected","3. Replacement B2 table","4. Bounded unpaid-fee example","Example P16-E01 — unauthorized charge imposed but unpaid","5. Replacement for PASS-06 D2","D2. Punitive damages — corrected","Correct subsection-(e) formula","Correct subsection-(f) formula","Cap versus entitlement and actual award","6. Replacement punitive rows for the PASS-06 G table","7. Replacement J10 follow-up and two bounded calculations","Original J10 ordinary branch remains correct","Example P16-E02 — net-worth substitution with continuing $5 million ceiling","Example P16-E03 — subsection-(f) profit alternative"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-16","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"Two reviewed P6 precision groups: imposition/receipt and punitivecap nesting","pending_corrections":0},{"key":"s_ks--pass-17","task":"S_KS","title":"Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway","parent_title":"Kansas debt and debt relief law","edition":"pass-17","path":"/research/s_ks--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":64,"sources":34,"review_status":"revise","review_complete":true,"sha256":"d95b528da5600a3ba8e8f5d2129ee073f470510ac34dd18ef93d5fb36b0af8d7","headings":["Kansas ordinary consumer-debt and debt-relief-agreement arbitration gateway","A1. State-versus-federal threshold matrix","A2. 2018 enactment and current-status check","A3. FAA scope and preemption","B1. Gateway allocation matrix","C1. Formation burden","C2. Electronic formation","C3. Amendment and change in terms","C4. Competing agreements","D1. Clear-and-unmistakable requirement","D2. Challenge targeting","D3. Scope and statutory claims","D4. Class and collective procedure","E1. Enforcement theories","E2. Actor matrix","E3. Assignment of debt versus arbitration rights","E4. Negotiable instruments","F1. Saving-clause defense matrix","F2. Kansas unconscionability","F3. Costs and effective vindication","F4. Consumer statutes","G1. Federal standard after Morgan","G2. Kansas law and decisionmaker uncertainty","G3. Current Tenth Circuit guidance","G4. Court deadlines and stay","H1. Kansas state-court procedure","If no civil action is pending","If a civil action is pending","Evidence and hearing","No universal response period","H2. Kansas stay structure","H3. Chapter 61 and small claims","H4. Federal motion and hearing","H5. Federal jurisdiction","H6. Federal stay versus dismissal","H7. Immediate appeal matrix","I1. Official-resource inventory","J1. Assent disputed","J2. Valid arbitration clause; whole debt-relief contract allegedly illegal","J3. Clause-specific unconscionability","J4. Delegation-specific challenge","J5. Assignee lacks complete contract and transfer proof","J6. Litigation-conduct waiver after Morgan","J7. Arbitration demand filed; no court motion or stay order","J8. Motion to compel pending","J9. Compulsion granted: stay versus dismissal","J10. Denial and immediate appeal","J11. Administrator-rules incorporation","Actually read or inspected in PASS-17","Material currentness findings","Access and research limitations","Not read or obtained","Method limits","PASS-17 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-17","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["agreements-disclosures","arbitration-adr"]},"scope":"Kansas arbitration agreement/formation/delegation/nonsignatory/scope/waiver/compel/stay gateway","pending_corrections":4},{"key":"s_ks--pass-18","task":"S_KS","title":"Kansas ordinary consumer-debt arbitration award to court judgment","parent_title":"Kansas debt and debt relief law","edition":"pass-18","path":"/research/s_ks--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":18,"claims":65,"sources":24,"review_status":"four_bounded_notice_rehearing_traceability_FAA_qualifications_pending_UNSENT","review_complete":true,"sha256":"7c9340dd46275353d4fbac313878baa6a0deec6fd4d1690555d5aeb650b88fa1","headings":["Kansas ordinary consumer-debt arbitration award to court judgment","A1. Act/version matrix","A2. Award-form matrix","A3. Interim, partial, consent, and final awards","B1. Notice and receipt","B2. Current Kansas arbitrator-correction grounds","B3. Correction and court-clock matrix","C1. Who may move","C2. Court, jurisdiction, venue, and service","C3. Confirmation evidence package","C4. Mandatory confirmation and timing","C5. No express Kansas confirmation outer limit","D1. Complete statutory grounds","D2. Participation and preservation","D3. Fraud and the discovery exception","D4. Hearing defects, materiality, and prejudice","D5. Exceeded powers","D6. Manifest disregard and public-policy-type arguments","Kansas current route","Federal FAA route","D7. Rehearing after vacatur","E1. Grounds","E2. Correction-versus-merits matrix","G1. FAA statutory matrix","G2. FAA confirmation","G3. FAA three-month challenge rule","G4. Federal vacatur and modification","H1. Freestanding application: Badgerow","H2. Existing stayed federal case: Jules","I1. Kansas judgment","I2. Payment and satisfaction boundary","I3. Kansas enforcement stay","I4. Federal enforcement stay","I5. Kansas appeal matrix","I6. Federal appeal","M1. Served signed award","M2. Recipient date missing","M3. Timely fraud discovery versus ordinary legal error","Fraud branch","Legal-error branch","M4. Preserved no-agreement objection versus participation without objection","Preserved branch","Waived branch","M5. Arithmetic correction versus merits rewrite","M6. Arbitrator-correction request and court clock","M7. Early confirmation while challenge period remains open","M8. Incomplete assignment and account link","M9. Freestanding federal confirmation without jurisdiction","M10. Retained federal case under Jules","M11. Paid award, settlement, and satisfaction","Paid-before-confirmation branch","Partial settlement branch","Private settlement without consent award","M12. Appeal without stay","M13. JAMS correction period versus Kansas court period","Actually read or inspected in PASS-18","Material currentness findings","Access and research limits","Not established","Numeric self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-18","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment"],"subject":["arbitration-adr"]},"scope":"Independent remaining arbitration award confirmation/vacatur/modification/judgment gateway","pending_corrections":4},{"key":"s_ks--pass-19","task":"S_KS","title":"Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction","parent_title":"Kansas debt and debt relief law","edition":"pass-19","path":"/research/s_ks--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":55,"sources":30,"review_status":"revise","review_complete":true,"sha256":"dbbd8255ab189102dbfd16bbdcd9ea2181bca482c9b048795103758d8e931cce","headings":["Kansas ordinary consumer-debt court-judgment interest, dormancy, revival, liens, and satisfaction","A1. Judgment-type matrix","B1. Interest-layer matrix","B2. Current Chapter 60 statutory rate","B3. Chapter 61 and small-claims rate","B4. Valid contract-rate judgments","B5. Statutory simple interest and merger","B6. Judgment entry and interest start","B7. Appeal and enforcement stay","B8. Partial payments and allocation","B9. Interest during dormancy","C1. Federal formula","C2. Contracting around the federal rate","C3. State versus federal distinction","D1. Ordinary money-judgment lifecycle","D2. Qualifying preservation events","D3. Pending execution does not preserve forever","D4. 2026 Littell scope qualification","D5. Expiration versus underlying debt","E1. Renewal before dormancy","E2. Revivor after dormancy","E3. Successor or assignee","E4. Action on judgment","E5. Revival and lien priority","F1. Lien-creation matrix","F2. County-specific, not statewide","F3. Real property only","F4. Homestead","F5. Dormancy and lien loss","F6. Lien is not seizure authority","G1. Full satisfaction route","G2. Restricted mail","G3. Refusal or neglect","K2. Contract-rate judgment","K3. Partial payment with allocation held","Assumed interest-first branch","Assumed principal-first branch","K4. No preservation action before dormancy","K5. Timely renewal versus timely and late revivor","Renewal before dormancy","Timely revivor","Late branch","K6. Lien in original county and another county","Johnson County","Sedgwick County before filing","Sedgwick County after filing","K7. Limited-action judgment lien","K8. Full payment and missing satisfaction","K9. Creditor unavailable, dissolved, or refuses to calculate payoff","K10. Federal versus Kansas state judgment","Kansas state judgment","Federal district-court judgment","K11. Appeal without continuing stay","K12. Fixed consent judgment versus continuing supervised settlement","Ordinary fixed consent money judgment","Littell-type branch","Actually read or inspected","Currentness findings","Not read, obtained, or established","Numeric self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-19","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment","resolution"],"subject":["interest-charges-math","limitations-revival","judgments-duration"]},"scope":"Independent ordinary court judgment interest/dormancy/revival/lien/satisfaction component","pending_corrections":6},{"key":"s_ks--pass-20","task":"S_KS","title":"Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions","parent_title":"Kansas debt and debt relief law","edition":"pass-20","path":"/research/s_ks--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":75,"sources":25,"review_status":"scoped_coordinator_review_complete_with_holds_corrections_unsent","review_complete":true,"sha256":"1aeb542b73b51b68014037df73855628fdca82dc94367667b7a3b714edc4c424","headings":["Kansas ordinary unsecured consumer-debt wage garnishment and earnings exemptions","A1. Ordinary postjudgment routes","A2. Prejudgment boundary","A3. Filing fee boundary","B1. Complete procedural sequence","B2. Service on the employer","B3. Debtor notice","B4. Employer answer","B5. Reply to the employer’s answer","B6. Payment and continuation","B7. Continuing order and release","B8. Employer balance-request termination","C1. Kansas definition","C2. Federal definition","C3. Ordinary formula","C4. Current protected amounts","C5. Required versus voluntary deductions","C6. The plaintiff-claim ceiling","C7. Employer administrative fee","Chapter 60","Chapter 61","C8. Multiple garnishments","C9. One creditor’s frequency limit","D1. Clearly included ordinary compensation","D2. Tips","D3. Independent contractors and gig income","D4. Pensions and retirement payments","E1. Automatic protections versus claimed exemptions","E2. Illness exemption","E3. No general household/dependent exemption","E4. Assigned account restriction","E5. Debtor hearing","E6. Time computation","E7. No automatic stay from objection alone","F1. Employer-duty matrix","F2. Failure to answer","F3. Failure to pay","F4. Employer never employed the debtor","F5. Employer defenses and offsets","F6. Anti-discharge protection","Kansas","Federal","Unresolved Kansas remedy","G1. Current Judicial Council form inventory","G2. Judicial-district packet","G3. Form hierarchy","I1. Weekly disposable earnings below protected minimum","I2. Weekly earnings in the transition range","I3. Weekly earnings at the full 25% branch","I4. Different pay periods","Biweekly","Semimonthly","Monthly","I5. Required versus voluntary deductions","Chapter 60 employer fee","I6. Sole parent with dependents","Illness alternative","I7. Multiple ordinary creditors","I8. Priority lien consumes available capacity","I9. Sold credit-card account"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-20","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"Independent ordinary wage garnishment/earnings exemptions/procedure component; afterKS19complete/saved","pending_corrections":3},{"key":"s_ks--pass-21","task":"S_KS","title":"Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing","parent_title":"Kansas debt and debt relief law","edition":"pass-21","path":"/research/s_ks--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":62,"sources":20,"review_status":"revise_five_bounded_corrections_UNSENT","review_complete":true,"sha256":"5531895dbea66261635d0710bf938b3575fa2ad87595743176254cf8611dd04e","headings":["Kansas ordinary unsecured consumer-debt bank-account garnishment, deposit and benefit exemptions, and tracing","A1. Court and route matrix","A2. What the order reaches","A3. Financial-institution withholding formula","A4. Multiple accounts at the same bank","A5. Joint accounts","A6. Service on the bank","A7. Debtor notice","A8. Bank answer","A9. Reply and hearing","A10. Court-directed payment and 60-day release","A11. Successive bank garnishments","A12. Bank setoff is distinct","A13. Substitute bond","A14. Bank noncompliance","B1. State exemption matrix","B2. Public assistance","B3. Workers’ compensation","B4. Unemployment benefits","B5. Retirement and pension funds","B6. Life-insurance protection","B7. Deposited wages after the 2022 amendment","B8. Trust and fiduciary funds","C1. Ownership framework","C2. Beneficial ownership controls","C3. Initial freeze versus later liability","C4. Out-of-state account ownership","D1. Covered direct deposits","D2. Initial federal decision tree","D3. Protected-amount formula","D4. Conditions the bank must disregard during automatic review","D5. One-time review and later deposits","D6. Bank fees","D7. Federal notice to account holder","D8. Automatic amount is not the full federal exemption","D9. Federal bank safe harbors","E1. Social Security and SSI","E2. Veterans benefits","E3. Federal retirement and railroad benefits","E4. Direct deposit versus paper check","E5. Transfers between accounts","F1. Debtor procedure","F2. Time computation","F3. Proof commonly relevant","Exempt-source claim","Joint-owner claim","Fiduciary or representative-payee claim","Payment or satisfaction claim","F4. Filing the request does not automatically release funds","G1. Role-specific consequence matrix","H1. Kansas Judicial Council inventory","H2. Federal model notice","J1. Ordinary unprotected checking balance","J2. Covered federal direct deposits","J3. Federal benefit paid by paper check","J4. Transfer of benefits between accounts","J5. Deposited ordinary wages","J6. Joint account and nondebtor ownership","J7. Garnishment order carries federal notice","J8. Funds above the automatic protected amount"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-21","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent bankgarnishment/deposit-benefits/tracing; onlyafterKS20complete/saved","pending_corrections":5},{"key":"s_ks--pass-22","task":"S_KS","title":"Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions","parent_title":"Kansas debt and debt relief law","edition":"pass-22","path":"/research/s_ks--pass-22/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":54,"sources":20,"review_status":"revise","review_complete":true,"sha256":"0123a388668bdf53ee042508c60369e526875ce8216652f44cec98da3dbb1fe9","headings":["Kansas ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution and exemptions","A1. Court-route matrix","A2. Judgment entry and 14-day stay","A3. Who may request the writ","A4. General versus special execution","B1. Full execution workflow","B2. Personal service of writ and notice","B3. Inventory and appraisal","B4. Custody and storage","B5. Forthcoming bond","B6. Property held by someone else","C1. Exemption matrix","C2. Residency","C3. Household property","C4. Jewelry","C5. Vehicle and transportation property","C6. Disability-adapted vehicle","C7. Tools of the trade","C8. No ordinary “wildcard” or homestead substitute identified","C9. Tax and wage-claim exceptions","C10. Valid security interests","C11. Proceeds and replacement property","D1. Execution notice","D2. No verified universal claim deadline","D3. Burden and evidence","D4. Court authority to release or limit levy","D5. Third-party ownership","D6. Co-owned property","D7. Waiver","D8. Transfers and concealment boundary","E1. Secured lien and equity formula","E2. Sale subject to senior lien","E3. Multiple executions","E4. Costs","E5. Partially exempt indivisible property","F1. Sale notice","F2. No ordinary personal-property redemption","F3. No bidders","F4. Confirmation and fair value","F5. Officer restrictions","F6. Return of writ","F7. Satisfaction","J1. Household-property claim","J2. Vehicle with prior lien and fully exempt equity","J3. Vehicle with potential nonexempt equity","J4. Tools of trade with aggregate cap and mixed use","J5. Missing service date and exemption procedure","J6. Separate exemption categories and no double counting","J7. Co-owned tools and spouse’s separate interest","J8. Disputed household exemption hearing","J9. Sale proceeds, senior lien, and unknown costs","J10. No bidders and returned writ","J11. Full satisfaction and release","Actually read or inspected","Currentness findings","Access limitations","Not established","Numeric self-check","Method limits","PASS-22 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-22","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment","levy"],"subject":["client-money","exemptions-property"]},"scope":"Independent nonwage nonbank personal-property execution/exemptions; only afterKS21complete/saved","pending_corrections":5},{"key":"s_ks--pass-23","task":"S_KS","title":"Kansas ordinary consumer-money-judgment real-estate execution and homestead protection","parent_title":"Kansas debt and debt relief law","edition":"pass-23","path":"/research/s_ks--pass-23/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":53,"sources":24,"review_status":"revise","review_complete":true,"sha256":"e3129cc99d01f3c6a40bc37297077182376fe9719bf5bfb9eba29dac7c981186","headings":["Kansas ordinary consumer-money-judgment real-estate execution and homestead protection","A1. Stage matrix","A2. Effective judgment and enforcement stay","A3. Chapter 60 lien in the rendering county","A4. Other-county filing","A5. Chapter 61 and small claims","A6. Assignee or successor creditor","A7. Order of resort","B1. Constitutional and statutory scope","Current homestead dimensions","B2. There is no equity cap","B3. Who may claim","B4. Single owners, spouses, and families","B5. No doubling for co-owners","B6. Selection and designation","B7. Burden and abandonment","B8. Trust ownership","B9. Death and surviving occupants","B10. Statutory exceptions","B11. General judgment lien does not attach","B12. Proceeds and replacement property","C1. Complete workflow","C2. Writ contents and service","C3. Levy at the property","C4. No general pre-sale appraisal requirement","C5. Publication","C6. Sale location","C7. Actual notice to parties","C8. Confirmation","C9. Reversal after sale","C10. Certificate and sheriff’s deed","D1. Ordinary owner redemption","D2. Abandonment-based shortening","D3. Owner-exclusive period and creditor redemption","D4. Redemption right is distinct from homestead","E1. Nonhomestead equity screen","E2. Homestead changes the calculation","E3. Sale subject to existing interests","E4. Multiple judgments","E5. Mortgage foreclosure surplus","F1. Available procedural routes","F2. No automatic stay from objection or negotiation","F3. Third-party or co-owner relief","F4. Burden","I1. Ordinary nonhomestead parcel in the rendering county","I2. Urban homestead with modest equity","I3. Urban homestead with equity “above the cap”","I4. Homestead with prior mortgage","I5. Rural property exceeding 160 acres","I6. Co-owners each claiming a full exemption","I7. Co-owner or spouse interest unknown","I8. Occupancy and abandonment disputed","I9. Missing notice and sale dates","I10. Disputed sale value and priority","I11. Owner redemption","I12. Sale proceeds and replacement homestead","I13. Satisfaction and returned writ","Actually read or inspected","Currentness findings","Access limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-23","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["judgment","levy"],"subject":["client-money","exemptions-property"]},"scope":"Independent realestateexecution/homestead; afterKS22complete/saved; no unreviewedpriorlegalpremise","pending_corrections":5},{"key":"s_ky--pass-01","task":"S_KY","title":"Kentucky provider market access and consumer fees","parent_title":"Kentucky debt and debt relief law","edition":"pass-01","path":"/research/s_ky--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":37,"sources":18,"review_status":"revise","review_complete":true,"sha256":"7d87f4531ffa12dc50814a27f92de19dd8f32861f5040c8f5d5303a323c29e1c","headings":["Kentucky provider market access and consumer fees","Executive disposition","1. Current Kentucky classification and coverage","1.1 Activity-based definition","1.2 Model-by-model classification","1.3 Consumer versus business purpose","2. Prohibited, registered, authorized, and exempt models","2.1 Ordinary covered businesses: registration, not blanket prohibition","2.2 Express statutory exemptions","2.3 Attorney and nonprofit boundaries","3. Applicable consumer fee structures","3.1 Verified Kentucky fee matrix","3.2 CPI adjustment: exact current amount held","3.3 Additional fee boundaries","4. When fees may be requested or received","4.1 Kentucky timing","4.2 Federal TSR baseline—separate from Kentucky permission","5. Current regulator process, permission, lookup, and effective status","5.1 Current verified route","5.2 Current versus proposed procedure","5.3 Public lookup limitation","6. Worked examples","7. Component coverage and next investigations","D.1 Custodial DMP—lower monthly distribution","D.2 Custodial DMP—higher distribution","D.3 Very low distribution","D.4 Bad-check charge","Scenario A","Scenario B","D.5 Kentucky setup ceiling versus federal timing","D.6 Fourteen-day cancellation","D.7 Residential-mortgage assistance fee","D.8 Fifty-percent settlement authorization boundary","Settlement A","Settlement B","D.9 Federal partial settlement—proportional allocation","D.10 Federal savings method","D.11 Termination after a previously earned fee","D.12 Full scope-coverage and gap table","Actually read and used","Not verified or not treated as established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KY/pass-01","facets":{"geography":["us","us-ky"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Kentucky provider-access/fees component; all other individual-state categories remain required","pending_corrections":0},{"key":"s_ky--pass-02","task":"S_KY","title":"Bounded registry retrieval/provenance correction","parent_title":"Kentucky debt and debt relief law","edition":"pass-02","path":"/research/s_ky--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":8,"sources":4,"review_status":"accepted_with_limits","review_complete":true,"sha256":"6304a5ea5bcb8b06c1030572c535f1e5f0eca8f8a91fa4bfc6ed449f70a0c3e5","headings":["Bounded registry retrieval/provenance correction","1. Correction to S_KY-P1-C034 and Section 5.3","Exact claim correction","Replacement Section 5.3 text","2. Corrected source register","Provenance disposition","3. Corrective claim table","4. Coverage and disposition patch","5. Researcher self-check","Actually accessed in this correction","Not verified"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KY/pass-02","facets":{"geography":["us","us-ky"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only C034/S015registryretrievalrepresentation/version-identityqualification; no fullrerun","pending_corrections":0},{"key":"s_la--pass-01","task":"S_LA","title":"SLA — Louisiana Provider Market Access and Consumer Fees","parent_title":"Louisiana debt and debt relief law","edition":"pass-01","path":"/research/s_la--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":16,"sources":11,"review_status":"revise","review_complete":true,"sha256":"bc4f956ac936159879cf95ad76e4b645c963f245ed99c6fc30a7a452e00c2c2f","headings":["A. Substantive findings","1. Classification and statutory boundaries","2. Licensing versus prohibition","3. Louisiana fee ceilings","4. Federal fee timing — separate from Louisiana permission","5. Current licensing and regulator verification","6. Worked examples","7. Remaining investigation boundaries","B. Source register","C. Claim register","D. Component coverage and gap register","Highest-priority next investigations","E. Researcher self-check","E. Researcher self-check — continuation"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_LA/pass-01","facets":{"geography":["us","us-la"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"FreshLouisianaprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_la--pass-02","task":"S_LA","title":"Louisiana Chapter 33 licensing-architecture patch","parent_title":"Louisiana debt and debt relief law","edition":"pass-02","path":"/research/s_la--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":32,"sources":30,"review_status":"accepted_with_limits","review_complete":true,"sha256":"9304d666ebd187049fc6e842111f7547ef5b9c6b89e7ff9c6e80c6825cd46d49","headings":["Louisiana Chapter 33 licensing-architecture patch","1. Bounded result","2. Government charges and financial assurance are separate from consumer fees","3.1 R.S. 37:2581–2590","3.2 R.S. 37:2591–2600","3.3 Conditional architecture-only deadline example","4.1 What the Chapter 33 text does establish","4.2 What it does not expressly establish","4.3 Bounded conclusion","Actually read in PASS-02","Reused but not treated as newly discovered","Not read or not established","Process limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_LA/pass-02","facets":{"geography":["us","us-la"],"debt_type":[],"stage":[],"subject":["provider-licensing"]},"scope":"ReviewedremainingTitle37Chapter33licensing/contract/bond/funds/remediesarchitectureandexpresscrossreferences;reusefourreviewedprovisions;history/cases/actualoperationheld","pending_corrections":0},{"key":"s_la--pass-03","task":"S_LA","title":"Remaining Chapter 33 operational-administration and rules evidence","parent_title":"Louisiana debt and debt relief law","edition":"pass-03","path":"/research/s_la--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":24,"sources":42,"review_status":"revise","review_complete":true,"sha256":"82a074d628f44933ab703f18ebb9b74ba343e0cb3ab0f5a19018f7e61a32322b","headings":["Remaining Chapter 33 operational-administration and rules evidence","1. Bounded answer","Status by question","2.1 Express 2001 statutory transfer","2.2 General consequences under R.S. 36:921–927","2.3 Why R.S. 36:923 does not close the Chapter 33 actor gap","2.4 Residual Title 37 organizational text","2.5 Actor/function/time/status matrix","3.1 Official rule corpus identified","3.2 Current LAC index result","3.3 Full-text access limitation","3.4 Register archive and history search","3.5 Exact official-corpus searches performed","3.6 Rules conclusion","4.1 Louisiana licenses portal","4.2 Boards and Commissions directory","4.3 No current operating documents recovered","4.4 Operational conclusion","Highest-priority exact next official evidence","Actually read in PASS-03","Search-rendered or search-only","Reused, not claimed as new P3 reading","Inaccessible or not read","Process limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_LA/pass-03","facets":{"geography":["us","us-la"],"debt_type":[],"stage":[],"subject":[]},"scope":"Remaining operational director/succession/LAC/rule history/current forms/public licensing evidence only; full conflict/currentness and broader state scope remain open.","pending_corrections":0},{"key":"s_la--pass-04","task":"S_LA","title":"P3 cross-reference correction and original-enactment/formal-conflict component","parent_title":"Louisiana debt and debt relief law","edition":"pass-04","path":"/research/s_la--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":25,"sources":24,"review_status":"revise","review_complete":true,"sha256":"320d6864601182cf5f59a231d13a2e0b8e8a5e2b12279dff2e05fd3f684f71af","headings":["P3 cross-reference correction and original-enactment/formal-conflict component","1. Bounded result","2.1 Chapter 33","2.2 R.S. 14:331","2.3 Direct overlap","2.4 Areas that may not overlap completely","3.1 Acts 1970, No. 423","3.2 Acts 1972, No. 451","3.3 Other archive routes","4.1 Failed 2013 HB 567","4.2 Enacted 2026 Act 888","Effect of the 2026 enactment","Transition","5.1 Current published attribution","5.2 Contemporaneous official legislative records","5.3 Precise qualification of P3-C002","6.1 Primary statutory construction provisions","6.2 Silver Dollar Liquor","6.3 Pickard v. Amazon.com","6.4 What the general rules do—and do not—permit here","7.1 Court decisions","7.2 Attorney General opinions","7.3 Agency declaratory rulings and formal interpretations","Actually read in PASS-04","Reused without claiming new P4 reading","Not read or not recovered","Process limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_LA/pass-04","facets":{"geography":["us","us-la"],"debt_type":[],"stage":[],"subject":["policy-history"]},"scope":"P3C023onecrossreference patch plus remaining originalenactment/formal14:331-versusChapter33conflict research; operational/currentness/broaderholds preserved.","pending_corrections":0},{"key":"s_la--pass-05","task":"S_LA","title":"Louisiana: correction of PASS-04 session and source dates","parent_title":"Louisiana debt and debt relief law","edition":"pass-05","path":"/research/s_la--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"457e417803787f8fa0ce0a5091685985cd62f28f3a00bed9dd7106254bc840c2","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_LA/pass-05","facets":{"geography":["us","us-la"],"debt_type":[],"stage":[],"subject":[]},"scope":"OneoverallP4freshsessionUTC/Pacificdateonly, nolegalresearch/sourceaccessreclassification.","pending_corrections":0},{"key":"s_me--pass-01","task":"S_ME","title":"Maine provider market access and consumer fees","parent_title":"Maine debt and debt relief law","edition":"pass-01","path":"/research/s_me--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":8,"claims":37,"sources":17,"review_status":"revise","review_complete":true,"sha256":"41d447390ae02e6581d79324e78a66fbb616c4024314221311696c1a12ee565d","headings":["Maine provider market access and consumer fees","Executive determination","1. How Maine classifies the relevant conduct","1.1 The four statutory activity categories","1.2 Model-by-model classification","1.3 Consumer versus business purpose","1.4 Remote-provider and geographic nexus","2. Whether each model is prohibited, registered, authorized, or exempt","2.1 General registration requirement","2.2 Traditional budget planning is affirmatively prohibited unless an exception applies","2.3 Debt settlement and noncustodial services","2.4 Nonprofit status","2.5 Attorney exclusion","2.6 Financial-institution and lender exclusions","2.7 Self-creditor activity","2.8 Other prohibited combinations","3. Legally applicable consumer-fee structures","3.1 Current fee table","3.2 “Reasonable” is an independent limitation","3.3 Alternative service-fee tracks","3.4 Settlement-fee base","3.5 Partial settlements and multiple debts","3.6 Interest, waived fees, and prospective concessions","3.7 Noncustodial arranger with no reduction","3.8 Creditor-paid and third-party compensation","3.9 Refunds and credits","4. When fees may be requested or received","4.1 Maine law by itself","4.2 Federal TSR overlay when applicable","4.3 Dedicated accounts under the TSR","4.4 Maine creditor-payment funds","5. Regulator permission, registration procedure, and public lookup","5.1 Regulator and legal authority","5.2 Current operational path","5.3 Registration periods require current NMLS inspection","5.4 NMLS transition and electronic surety bond","5.5 Public authorization verification","5.6 Rule status and possible future changes","6. Worked-example conclusion","7. Immediate implementation implications for SettleADebt.com","D1. Plain-text worked examples","Example 1 — Ordinary settlement","Example 2 — Lower-balance debt","Example 3 — Partial reduction without full discharge","Example 4 — Two debts and a previously assessed fee","Example 5 — Conservative cent rounding","Example 6 — Six-month custodial DMP","Example 7 — Joint obligations of spouses","Example 8 — Interest-rate reduction only","Example 9 — Cancellation after two actual DMP months","Example 10 — Noncustodial arranger, no distribution and no result","Example 11 — Covered but unregistered provider","D2. Component coverage and gap table","Actually read","Not fully read or not independently verified","Judicial search boundary","Arithmetic and process controls"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ME/pass-01","facets":{"geography":["us","us-me"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Maine provider-access/fees component; every broader state category remains required","pending_corrections":0},{"key":"s_me--pass-02","task":"S_ME","title":"Focused official-source and market-access-fee replacement patch","parent_title":"Maine debt and debt relief law","edition":"pass-02","path":"/research/s_me--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":12,"sources":9,"review_status":"revise","review_complete":true,"sha256":"007bf6218747d1be184b211af5260669c321ca9565a15c48ed60e006f85a5949","headings":["Focused official-source and market-access-fee replacement patch","Controlling patch conclusions","5.1 Current application path","5.2 Rule status","5.3 Registration periods","5.4 Individual and sole-proprietor applicants","Freshly read in this pass","Not freshly read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ME/pass-02","facets":{"geography":["us","us-me"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Narrow official source/access fee supplement","pending_corrections":0},{"key":"s_me--pass-03","task":"S_ME","title":"Bounded §6174-B(3) qualification patch","parent_title":"Maine debt and debt relief law","edition":"pass-03","path":"/research/s_me--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":2,"sources":1,"review_status":"accepted_with_limits","review_complete":true,"sha256":"e385e9b8f8a0ef29139bdde346ea43f248269f08493b8b18ffe8004cb9d5c2ec","headings":["Bounded §6174-B(3) qualification patch","1. Replacement claim rows","2. Source register","3. Replacement PASS-02 market-access-fee table cells","4. Replacement PASS-02 coverage rows","5. Compact read and scope self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ME/pass-03","facets":{"geography":["us","us-me"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only6174-B(3) outbound-only predicate in P2education-fee replacements","pending_corrections":0},{"key":"s_md--pass-01","task":"S_MD","title":"SMD Maryland provider market access and consumer fees","parent_title":"Maryland debt and debt relief law","edition":"pass-01","path":"/research/s_md--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":8,"claims":40,"sources":36,"review_status":"revise","review_complete":true,"sha256":"472890f0d69fb6365eec9cde9d7f2ae8804b3af40ba195ab0a14b172585d55b0","headings":["A. Substantive findings","1. Classification: the services and funds flow control","2. Authorization, exclusions, and prohibited combinations","3. Consumer fee structures, limits, refunds, and credits","4. When fees may be requested or received","5. Public market-entry procedure and verification","B. Source ledger","Statutes, regulations, adoption records, and decisions","Operational materials, historical guidance, and failed retrievals","C. Claim ledger","D. Worked examples and coverage/gaps","6. Bounded plain-text examples","7. Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MD/pass-01","facets":{"geography":["us","us-md"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; all other state categories remain required","pending_corrections":0},{"key":"s_md--pass-02","task":"S_MD","title":"SMD Maryland §12-1010(c)(3) payment trigger and installment/per-debt earning","parent_title":"Maryland debt and debt relief law","edition":"pass-02","path":"/research/s_md--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":5,"claims":13,"sources":12,"review_status":"revise","review_complete":true,"sha256":"cad34d22e61999d2d7d7dd986c4835c75a4bdd81b95da6bc65331da3b90c8425","headings":["Bottom line","Dedicated account does not resolve the ambiguity","Legislative history does not supply the missing object of “payment”","Maryland AG material discussing creditor payment is not a state construction","2.1 Current statutory language is unmistakably per-debt in fee calculation","2.2 OFR's historical reporting instructions are materially informative—but not controlling","What this supports","What it does not support","4.1 2011 OFR advisory","4.2 2024 Document Management Resource / Fortune 500 consent order","Actually read in this pass","Not claimed as read or established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MD/pass-02","facets":{"geography":["us","us-md"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only state-law1010(c)(3) payment trigger and installment/per-debt earning/refund interpretation in actual OFR formal interpretations or controllingMarylanddecisions with laterhistory. KeepTSRcommoncontext attributed; do not supply its stricterwording as stateconstruction or rerun feeoverview.","pending_corrections":0},{"key":"s_md--pass-03","task":"S_MD","title":"SMD Maryland consumer agreements and client-money duties","parent_title":"Maryland debt and debt relief law","edition":"pass-03","path":"/research/s_md--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":5,"claims":44,"sources":9,"review_status":"revise","review_complete":true,"sha256":"2a35b236905edf860f956fc118409a0b7e102e4e0b4a68500ee9f106ec5b9354","headings":["A. Substantive findings","1. Agreement duties differ materially between DMP and debt settlement","Electronic agreement and delivery rules","Genuine exclusions relevant to contract application","2. Cancellation, termination, refunds, and legal time counting","DMP","DSS","3. Client-money custody, control, segregation, disbursement, statements, and records","DMP: provider receives money, but creditor funds become trust money","DSS: consumer-owned dedicated account, independent administrator","Classification control remains critical","Currentness reconciliation","Example 1 — DMP creditor-money custody","Example 2 — DMP misdirected payment","Example 3 — DMP special rescission after creditor refusal","Example 4 — DSS withdrawal before any debt has been altered","Example 5 — Seven-day statutory counting without inventing a date","Example 6 — DSS installment settlement: exact refund held","Example 7 — classification failure despite “settlement” label","Failed-route/dependency log","Actually freshly read for PASS-03","Historical/agency material","Not established in this pass"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MD/pass-03","facets":{"geography":["us","us-md"],"debt_type":[],"stage":["settlement"],"subject":["agreements-disclosures","counseling-dmp","settlement-negotiation","client-money"]},"scope":"Independent required agreements/cancellation/client-money duties; prior state-lawpayment/earning/refund and currentnessholds remain open.","pending_corrections":0},{"key":"s_md--pass-04","task":"S_MD","title":"SMD bounded correction to","parent_title":"Maryland debt and debt relief law","edition":"pass-04","path":"/research/s_md--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":14,"sources":8,"review_status":"accepted_with_limits","review_complete":true,"sha256":"705447f4b14b33abe49908f0f96e59a2871987c0d884e49a9e25e2b785abae76","headings":["A. Exact PASS-03 replacements","1. Replace the PASS-03 electronic-consent body text and S_MD-P3-C017","2. Replace the PASS-03 specified-mail/electronic-delivery body text, S_MD-P3-C018, and related coverage wording","3. Replace the PASS-03 remote-work funds text and S_MD-P3-C043","4. Replace PASS-03 S_MD-P3-S009 and currentness-provenance wording","B. PASS-04 source table","C. PASS-04 claim table","D. Bounded classification examples","Example 1 — prior electronic payment is not enough by itself","Example 2 — ordinary email versus qualifying electronic postmark","Example 3 — employee compensation versus consumer funds at a remote location","E. Four-issue coverage table","F. Correction boundaries and read status"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MD/pass-04","facets":{"geography":["us","us-md"],"debt_type":[],"stage":[],"subject":["agreements-disclosures","privacy-data"]},"scope":"Only C017 consent inference/C018 postal exception/C043 employee compensation/S009 locator qualification","pending_corrections":0},{"key":"s_ma--pass-01","task":"S_MA","title":"SMA Massachusetts provider market access and consumer fees","parent_title":"Massachusetts debt and debt relief law","edition":"pass-01","path":"/research/s_ma--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":8,"claims":36,"sources":35,"review_status":"revise","review_complete":true,"sha256":"b481e9990998c43c2f1c36e15de815f50aef1b1d7bce437dc64e80b9cf1e40ec","headings":["A. Substantive findings","1. Definitions and classification: follow the activities and money flow","2. Prohibited, conditionally permitted, and excluded models","3. Fee bases, limits, indexing, and refunds","4. When fees may be requested or received","5. Actual permission, application, and lookup evidence","6–7. Worked examples and retained coverage","B. Source register","B1. Statutes, judicial authorities, and operational materials actually read","B2. Material inaccessible sources and discovery-only leads","C. Claim register","D. Worked examples and component coverage","Worked examples","Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MA/pass-01","facets":{"geography":["us","us-ma"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; all other Massachusetts categories remain required","pending_corrections":0},{"key":"s_ma--pass-02","task":"S_MA","title":"SMA 940 CMR 38 remaining-evidence investigation","parent_title":"Massachusetts debt and debt relief law","edition":"pass-02","path":"/research/s_ma--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":13,"sources":8,"review_status":"revise","review_complete":true,"sha256":"43b92a6b18e32a65a5c67b6eed9848bf4ccac2a6a457c5913292b4d6f345497f","headings":["Bottom line","1. Purpose and consumer scope — §§38.01–38.03","Debt-relief implication","2. Price and fee presentation — §38.04","Consequence for SettleADebt","3. Recurring fees and trial offers — §38.05","4. Relation to other law — §§38.06 and 38.08","5. Enforcement date — §38.09","It DOES establish","It DOES NOT establish"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MA/pass-02","facets":{"geography":["us","us-ma"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only recover/authenticate current940CMR38 final operative text and adoption/amendment record through a materially usable public official route. Attribute prior failedmass.gov URLs; do not repeat broadMAresearch or assume regulation contains a cap. Separate DMB and noncustodial cases remain later questions.","pending_corrections":0},{"key":"s_ma--pass-03","task":"S_MA","title":"SMA bounded source-access / coverage reconciliation","parent_title":"Massachusetts debt and debt relief law","edition":"pass-03","path":"/research/s_ma--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":5,"claims":12,"sources":4,"review_status":"revise","review_complete":true,"sha256":"33a151820f46b0316299d1073e0bfeca017f1e59b56ebd1fad5726dc0e86bdd3","headings":["1. What PASS-02 actually had versus what it overstated","940 CMR 38.05(1) — Trial Offers","940 CMR 38.05(2) — Negative Option disclosure before purchase","940 CMR 38.05(3) — Cancellation mechanism","940 CMR 38.05(4) — notice for Negative Option Features exceeding 31 days","Continuity into p.257","S_MA-P2-C008","Disposition: Retain, strengthened","S_MA-P2-C013","Disposition: Retain but narrow","S_MA-P1-C032 / PASS-02 patch","Disposition: Downgrade the blanket closure","S_MA-P1-C034","Disposition: Retain with no substantive downgrade","Corrected coverage-row wording","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MA/pass-03","facets":{"geography":["us","us-ma"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Bounded final940CMR38 full-text access/section coverage reconciliation; substantiate or downgrade PASS02 blanket operative-text closure.","pending_corrections":0},{"key":"s_ma--pass-04","task":"S_MA","title":"SMA final-text and source-identity reconciliation","parent_title":"Massachusetts debt and debt relief law","edition":"pass-04","path":"/research/s_ma--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":12,"sources":6,"review_status":"accepted_with_limits","review_complete":true,"sha256":"e18dcd6143c1a83b4ada2520e8b870b5b9afc9ed5749e9121fb1cccd9cd7f0d9","headings":["A. Result","Printed p.253 — complete substantive content now read","Printed p.254 — complete substantive content now read","Government Charges","Negative Option Feature","Product","Sale / Sell","Shipping Charges","Targeted To","Total Price","Trial Offer","Printed p.255 — complete substantive content now read","§38.04(1)","§38.04(2)","§38.04(3)","§38.04(4)","§38.04(5)","§38.04(6)","Food/grocery delivery qualification","Residential rental qualification","Opening of §38.05","Text-completeness result","P2-C011","PASS-04 disposition: Restore, with narrower and stronger wording","P1-C015","PASS-04 disposition: Patch only the 940 CMR 38 dependency","Canonical PASS-04 source register","Old-to-new alias map","Correct provenance conclusion","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MA/pass-04","facets":{"geography":["us","us-ma"],"debt_type":[],"stage":[],"subject":["client-money","research-quality"]},"scope":"Only missing finalpp253-255, whole-rule negative-cap inference and source/version identity; no rerun of supportedpp256-257.","pending_corrections":0},{"key":"s_mi--pass-01","task":"S_MI","title":"SMI Michigan provider market access and consumer fees","parent_title":"Michigan debt and debt relief law","edition":"pass-01","path":"/research/s_mi--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":7,"claims":37,"sources":30,"review_status":"revise","review_complete":true,"sha256":"ff9cebd1d6fffe73547b09605e349e472e451fa37369665930739253cf0dae3a","headings":["A. Substantive findings","1. Classification depends on the activity and money flow","2. Authorization, prohibitions, and exclusions","3. Consumer fee structures and limits","4. When a fee may be requested or received","5. Actual public application and verification route","6–7. Examples and component coverage","B. Source register","Primary documents, operational materials, and held official sources","Statutory passages actually read in unofficial reproductions","C. Claim table","D. Worked examples and coverage gaps","Bounded plain-text examples","Component coverage and exact next investigations","Failed routes retained for the principal holds","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MI/pass-01","facets":{"geography":["us","us-mi"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_mn--pass-01","task":"S_MN","title":"SMN — Minnesota Debt Settlement and Debt Management","parent_title":"Minnesota debt and debt relief law","edition":"pass-01","path":"/research/s_mn--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":20,"sources":11,"review_status":"revise","review_complete":true,"sha256":"472a61dd5ad8bb1a8512395086fdd1d263f53e4731567cdecac7a8e0f7375cd1","headings":["A. Substantive findings","1. Minnesota regulates settlement and debt management separately","2. Minnesota is a registration state for covered debt settlement services","3. Minnesota has two alternative statutory settlement-fee ceilings","4. An important 2026 legislative change requires reconciliation","5. Collection timing: Minnesota imposes a substantial performance condition","6. Debt management fees are materially different","7. Regulator access and actual registration","B. Source register","C. Claim register","D. Worked examples and coverage","Example 1 — Percentage-of-debt settlement","Example 2 — Percentage-of-savings settlement","Example 3 — Multiple debts, partial performance","Example 4 — Previously earned fees, same allocation method","Example 5 — Low-payment debt management plan","Example 6 — Higher-payment DMP","Example 7 — Settlement cancellation with prior fee","Scope coverage and exact next investigations","E. Researcher self-check","PASS-01 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-01","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["settlement"],"subject":["counseling-dmp","settlement-negotiation"]},"scope":"FreshMinnesota provider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_mn--pass-02","task":"S_MN","title":"SMN — Minnesota","parent_title":"Minnesota debt and debt relief law","edition":"pass-02","path":"/research/s_mn--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":18,"sources":13,"review_status":"revise","review_complete":true,"sha256":"13ea9f2081a0b88754b5759d19d99c20d6c216a633dddcee4a219e5f181b2489","headings":["2026 registration amendments, effective date, and incorporated exemptions","Focused disposition","1. Replacement for PASS-01 section 4 currentness discussion","2. Four-provision before/after/version/effectiveness matrix","Narrow legal result","3. Effective-date reconciliation","3.1 Signature is not the effective date","3.2 Sections 59, 60, and 63 contain no special effective-date clause","3.3 Section 62’s day-following clause does not migrate to section 63","3.4 Minnesota’s ordinary default and time-of-day rule","3.5 Appropriation classification was checked rather than assumed","Effective-date conclusion","3.6 Application and transition","4. Registration survived intact","Retained application-condition matrix","1. Exact cross-reference route","2. Minimal incorporated-exemption matrix","3. Tax-service significance","New and targeted PASS-02 sources","P1 sources retained but not newly read in PASS-02","Actually read or targetedly re-opened in this pass","Coordinator-provided material reused, not falsely relabeled","Not read or not completed","PASS-02 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-02","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["repossession"],"subject":["provider-licensing","exemptions-property"]},"scope":"Onlyreviewedremaining2026registration/accreditationeffective-statusandincorporatedexemptionreconciliation;fees/examples/initialledger/performanceheld","pending_corrections":0},{"key":"s_mn--pass-03","task":"S_MN","title":"Minnesota: correction of PASS-02 research and access dates","parent_title":"Minnesota debt and debt relief law","edition":"pass-03","path":"/research/s_mn--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"e431da5dc85af9d6ae05581850c40fb17823f48c137e872143fd7152d7ee22e7","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-03","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only two P2 overall research-session date labels; no new substantive research or source access reclassification.","pending_corrections":0},{"key":"s_mn--pass-04","task":"S_MN","title":"SMN — Minnesota","parent_title":"Minnesota debt and debt relief law","edition":"pass-04","path":"/research/s_mn--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":22,"sources":14,"review_status":"scoped_review_complete_current_state_checklist_transition_status_holds","review_complete":true,"sha256":"32559e0901e04af7495a0a588ab6e725da84b3d4355ada862117d50d94b50d26","headings":["Current public registration materials, transition evidence, and status-verification procedure","Focused disposition","1. Current public application, checklist, and registration instructions","1.1 Publicly identified license types and filing routes","1.2 Condition of the Commerce and eLicense pages","1.3 State-specific checklist retrieval result","1.4 Current universal company form","1.5 Initial application versus renewal","2. Comparison with the reviewed 2026 accreditation amendments","2.1 Governing comparison baseline","2.2 Document/version/field comparison matrix","2.3 Accreditation finding","2.4 No-credit-counseling affidavit","2.5 Residual information and temporary waiver","3. Post-enactment transition and pending-file instructions","3.1 Result","3.2 Bounded routes and queries reviewed","3.3 Exact remaining evidence","4. Public registration-status procedure and result meanings","4.1 Commerce’s public route","4.2 NMLS Consumer Access route","4.3 Status meanings and public-display limitations","4.4 Actual entity authorization","Search-only and unsuccessful routes","Actually read in PASS-04","Supplied and reused—not relabeled as fresh PASS-04 reading","Not obtained or not read","Integrity limits","PASS-04 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-04","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["repossession"],"subject":["provider-licensing","validation-disputes","policy-history"]},"scope":"Reviewed remaining current public operational/checklist/transition/lookup evidence only; broader currentness, fees and state dimensions remain held.","pending_corrections":0},{"key":"s_mn--pass-05","task":"S_MN","title":"SMN Minnesota settlement-fee performance and partial-plan savings","parent_title":"Minnesota debt and debt relief law","edition":"pass-05","path":"/research/s_mn--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":15,"claims":44,"sources":18,"review_status":"scoped_review_complete_performance_unit_partial_savings_exception_holds","review_complete":true,"sha256":"7f53ce8cf6374f4865b1994fbf2d021b9933027980cc68e829170efe15c2ae53","headings":["1. Principal findings","A1. Currentness and material effective dates","A2. Minnesota’s performance question","Two constructions requiring separate treatment","A3. Partial-plan savings","A4. Cancellation: preserve the actual exception","Different return obligations must not be merged","B1. Coverage assumptions","B2. Federal predicates are cumulative","Two federal allocation methods","B3. Dedicated accounts and deduction permission","Four separate money classifications","Shared fictional enrollment data","M01 — Correct debt-based calculation; Minnesota earning not established","M02 — Completed plan; consistent prior allocation","Why a federal savings allocation cannot be substituted silently","M03 — Partial plan, self-negotiated savings, and cancellation","The incorrect partial-plan calculation","Conditional final-outcome sensitivity—not a present valuation","M04 — Failed plan, premature receipt, no exception facts","Interpretation-search record"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-05","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation","fees-outcomes"]},"scope":"ReviewedP01remainingordinaryconsumerdebtsettlementfeeperformance/partialplansavings/necessaryTSRinteractiononly","pending_corrections":0},{"key":"s_mn--pass-06","task":"S_MN","title":"SMN Minnesota DMP fees, initial-payment allocation, and necessary funds ledger","parent_title":"Minnesota debt and debt relief law","edition":"pass-06","path":"/research/s_mn--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":17,"claims":45,"sources":17,"review_status":"scoped_review_complete_separate_initial_fee_earning_currentness_notice_holds","review_complete":true,"sha256":"6508394f656c193b74aa5b8690e4088fa4f9fba7cde06640855fbe726520aa2b","headings":["A. Answers to the central questions","A1. Can origination and maintenance both be taken from an initial payment?","A2. What remains unresolved about a separately paid origination fee?","A3. Does Minnesota impose the settlement chapter’s “fully performed” test on every DMP fee?","B. Version, enactment, and adjustment findings","B1. Current statutory version and material historical changes","B2. No DMP inflation adjustment established","C. State fee and funds rules applied together","C1. Classification and agreement prerequisites","C2. Joint fee calculation","C3. Charges that cannot be supplied by changing the label","C4. Advance-payment restriction and exceptions","C5. Custody, availability and creditor distribution use different clocks","C6. Consent, insufficient payments and withdrawal","C7. Cancellation, termination and fee refunds","D. Essential federal interaction—DMP-specific, not settlement-derived","D1. Coverage assumptions","D2. What the Commission specifically says about DMPs","D3. Separate state and federal predicates","D4. Account accumulation is not the same as ordinary DMP distribution","E. Actor-and-event decision table","F. Fourteen fresh fictional postures","Common assumptions and accounting convention","M01 — The $300 adversarial test and a different, conditionally compliant contract","Inputs","Rejected proposal: $50 plus $45","Alternative branch—not a retroactive cure","M02 — Both maximum component fees fit a larger initial periodic payment","Inputs","M03 — Separate fee-only candidate: accounting balance does not establish legality","Inputs and disputed alternatives","Demonstrated no-origination path","M04 — Missed payment, partial receipt and cancellation","Inputs","July: funded cycle","August: failed payment","September: partial receipt and cancellation","H. Concise effect crosswalk to P01","Interpretation search and unsuccessful/discovery routes","L. Researcher self-check and final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-06","facets":{"geography":["us","us-mn"],"debt_type":["rent_lease"],"stage":["origination"],"subject":["counseling-dmp","fees-outcomes","tenancy-housing"]},"scope":"ReviewedP01remainingDMPoriginationmaintenancejointinitialfundsledgeronly","pending_corrections":0},{"key":"s_mn--pass-07","task":"S_MN","title":"SMN Minnesota lead generation, referrals, compensation, and provider boundaries","parent_title":"Minnesota debt and debt relief law","edition":"pass-07","path":"/research/s_mn--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":12,"claims":44,"sources":25,"review_status":"scoped_review_complete_referral_registration_media_currentness_holds","review_complete":true,"sha256":"1c82dacfa19851bfed800f083d477f054bdd9d125ea228b2f729377cd400654a","headings":["A1. Four questions must be answered separately","A2. Lead generation is distinct from providing the service—but not necessarily unregulated","Actor/activity/required-step matrix","The remaining lead-only registration question","A3. Payment direction changes the legal analysis","The incorporation that cannot be omitted","Compensation matrix","Three important limits on those conclusions","A4. Solicitation disclosures and misleading claims","A5. Nexus and exemption boundaries","B1. Roles and campaign predicates","B2. Substantial assistance is not strict liability from selling a lead","Published majority opinion actually read","B3. Advance-fee and account conditions—limited use here","Common conventions","M01 — Flat-price leads, rejection credits, and an advertising alternative","Stipulated proposed referral contract","M02 — Percentage compensation after accepted enrollments","Stipulated invoice basis","M03 — Independent education receipts versus a provider kickback","Conditional independent-education branch","Adverse changed-facts branch","M04 — Account-administrator referral payments in both directions","Proposed administrator-to-provider payment","Retrieval and search limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-07","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":[]},"scope":"Reviewed P01 remaining lead generation/referrals/compensation/activity gateway only","pending_corrections":0},{"key":"s_mn--pass-08","task":"S_MN","title":"SMN Credit-repair representations, Minnesota CSOs, CROA, and the TSR","parent_title":"Minnesota debt and debt relief law","edition":"pass-08","path":"/research/s_mn--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":20,"claims":58,"sources":31,"review_status":"scoped_review_complete_creditrepair_cancellation_exemption_currentness_holds","review_complete":true,"sha256":"68d04b6761ca4760eb9dae5bcd1765bb86597b2be4132082d3ff0234c46b3b77","headings":["A. Principal conclusions","A1. Three regimes—not one interchangeable “debt relief” rule","A2. A material Minnesota amendment must be applied","A3. No Minnesota advance-fee trust exception was established","A4. Cancellation and contract defects require different analyses","B1. What Minnesota calls a CSO","B2. Exclusions must be tested separately","Minnesota exclusions","Federal CROA exclusions","C1. Registration is not fee authorization","C2. Consumer payment rules","C3. Required disclosure, contract, cancellation and refund evidence","The textual mismatch is preserved—not silently “fixed”","C4. Cancellation is not the same as defective-contract relief","D1. CROA performance is not the TSR’s six-month-results test","D2. Coverage, calls and exemptions","D3. No borrowing exceptions from neighboring provisions","D4. State-law interaction","Common conventions","M01 — Completed individualized advice without a covered telephone-sales campaign","Facts","M02 — State security does not validate an advance receipt; timely cancellation","Facts","M03 — Telemarketing credit repair: work completion and the report clock are separate","Facts","Premature-receipt branch included in the ledger","M04 — A separate earlier completed engagement and a defective later contract","Contract A","Contract B","Access failures and their disposition","Bounded interpretation search"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-08","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Reviewed P01 remaining CSO/credit-repair representations and necessary CROA/TSRcreditrepair interaction only","pending_corrections":0},{"key":"s_mn--pass-09","task":"S_MN","title":"SMN Custody, account controls, records, reconciliation, and security","parent_title":"Minnesota debt and debt relief law","edition":"pass-09","path":"/research/s_mn--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":18,"claims":60,"sources":36,"review_status":"scoped_review_complete_custody_actualcash_records_security_currentness_holds","review_complete":true,"sha256":"e6afc9c4c4256cfb711534acec5b6236c90b5b27ede2c60eca9ea66e58f48349","headings":["B1. Coverage and custody matrix","B2. Ownership and account control: what is established","Bank-documentation gap","C1. DMP and settlement controls are not interchangeable","The narrow minimum-balance exception","“Exchange checks” remains a genuine interpretive boundary","C2. Creditor withdrawal and undistributed money","C3. Closing and return obligations","D1. Actual cash versus the sum of debtor balances","D2. Different records serve different purposes","Request-specific clocks","D3. Current prescribed forms and a historical extension","E1. Statutory requirements","E2. What the DMP renewal metric does—and does not—say","E3. Beneficiaries, defaults, and claims","E4. Public blank forms versus current electronic instruments","E5. Lapse, changes, and consequences","Money categories that must remain separate","F1. Independent dedicated-account requirements","F2. Comparison outcome","Rules and published interpretations","Common conventions","M01 — Two-debtor reconciliation, unavailable funds, a fee hold, and exact minimum cash","Inputs","Separate fee-assumption branch","M02 — Returned debit, interrupted outgoing payment, and a cash shortfall","Main branch","Adverse alternative: creditor was actually paid before the reversal","M03 — Settlement exchange-check purpose versus unsupported long holding","Conditional permitted-purpose facts","Adverse long-hold branch","M04 — Trust measure, bond amount, provider outlay, competing losses, and lapse","A. Fictional prior-year trust history","B. Commissioner-required change","C. Provider outlay is not the penal sum","D. Claim amounts and aggregate form limit","E. Lapse","Failed, partial, and discovery routes"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-09","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Reviewed P01/P06 remaining custody/account-control/records/security gateway only; not fee-earning or application-checklist rerun","pending_corrections":0},{"key":"s_mn--pass-10","task":"S_MN","title":"SMN Collection-agency, debt-buyer, and individual-collector credentials","parent_title":"Minnesota debt and debt relief law","edition":"pass-10","path":"/research/s_mn--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":17,"claims":64,"sources":47,"review_status":"scoped_review_complete_collection_credentials_security_rounding_instrument_currentness_holds","review_complete":true,"sha256":"6c528e91b2f6f89887a6996853a87502d8f24748ec8d3ab11dd7326d70a8abff","headings":["A. Findings that control this gateway","1. Minnesota’s collection definition is not the FDCPA definition","2. Entity approval and individual registration have different starting rules","3. A new 2026 exclusion must be applied to the displayed 2025 text","4. The current collection rules do not supply old fees or automatic reciprocity","5. The collection bond is based on net Minnesota collections—not collector count","B1. Actor and activity classification","No general consumer-only or acquisition-default shortcut","Anti-evasion and names","B2. Minnesota nexus","B3. Every material §332.32 exclusion, with its limits","Incorporated service provisions actually checked","Entity exclusion versus individual registration","C1. Credential and event sequence","C2. Affiliate conditions","C3. Qualifications and disqualifiers","Agency and management review","Individual screening","Section 332.35—and the necessary Chapter 364 qualification","C4. Supervision and credential consequences","D1. Government-charge table","D2. Public application materials actually available","Name and address changes: notice versus approval","D3. Renewal, lapse and status verification","E1. Statutory measure","What is not the base","E2. Statute versus public worksheet","E3. Public instrument terms","E4. Security lapse and distinct money categories","F1. Version/effect matrix","The 2024 date is deliberately not guessed","Statute, rule and form discrepancies","F2. Published decisions actually read","F3. Necessary federal distinction","G1. Eighteen distinct fictional postures","G2. Model 1 — Initial and renewal government charges; offices versus home employees","Assumptions","Initial charges","Renewal charges","G3. Model 2 — Previous-calendar-year measure and the rounding boundary","Inputs","Public worksheet calculation","Boundary alternatives","G4. Model 3 — Timely renewal, collector addition, and interrupted security","Assumptions","Security branches","G5. Model 4 — Maximum bond, operating money, provider outlay and aggregate losses","Bond inputs","Provider outlay—not the penal sum","Separate collection transaction","Aggregate hypothetical losses","Retrieval limits and bounded searches"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-10","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Required collection dimension narrowed to agency/debt-buyer/individual-collector credential/exclusion/security/public-procedure gateway; reviewedP01allremainingstate statement, not inventedexactcollectionrow","pending_corrections":0},{"key":"s_mn--pass-11","task":"S_MN","title":"SMN Ordinary consumer collection communications, validation, and disputes","parent_title":"Minnesota debt and debt relief law","edition":"pass-11","path":"/research/s_mn--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":65,"sources":48,"review_status":"scoped_review_complete_communications_state_notices_records_validation_timing_currentness_holds","review_complete":true,"sha256":"2cd377b45ad5896a4ddf00fb22ef3c1d430329f2c56bc84b1ad2449097aa0d3d","headings":["A. Conclusions that must remain separate","B1. State and federal coverage are different tests","Necessary 2026 exclusion overlay","Principal-purpose buyers and knowledge","B2. Communication, attempt, and limited-content message","C1. Conduct and notice matrix","The workplace callback exception is not affirmative permission","C2. Counseling-resource document: actual body and dates","C3. Who actually receives the “reports” or “free access”?","D1. Time, place, work and representation","D2. Who may be contacted?","Location inquiries","D3. Whole-debt cessation versus medium-specific requests","D4. Telephone frequency","D5. Email, text, wrong-party and public-media controls","E1. Initial versus later disclosure duties","E2. Validation notice trigger and contents","Receipt and the validation period","Form safe harbor is limited","E3. Dispute and original-creditor request matrix","E4. What verification establishes under the Eighth Circuit","Verification is not all of the following","E5. Known disputes and credit-information communications","E6. Sending verification electronically","F1. Decisions actually read","F2. State protection and federal authority","F3. Currentness and conflict matrix","Common conditions","Example 1 — Initial call, mailed validation, itemization and receipt calculation","Facts and arithmetic","Event analysis","Assumed receipt calculation","Example 2 — Oral dispute, timely written request, pause and resumption","Amount reconciliation","Adverse alternatives","Example 3 — Calls, conversations, workplace restrictions and third parties","Call-count branch","Conversation branch—not added to the preceding facts","State and privacy branches","Example 4 — LCM, email, wrong party, opt-out and state information","Main sequence","Wrong-number branch","Failed-email branch","Failed routes, discovery-only material, and search limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-11","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["collection"],"subject":["validation-disputes","collection-conduct"]},"scope":"ReviewedP01 remaining-state statement + current collection dimension narrowed to ordinary consumer communications/validation/dispute workflow; P10UNREVIEWEDnotpremise.","pending_corrections":0},{"key":"s_mn--pass-12","task":"S_MN","title":"SMN Earnings garnishment, wage exemptions, and the claim–objection–hearing process","parent_title":"Minnesota debt and debt relief law","edition":"pass-12","path":"/research/s_mn--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":21,"claims":65,"sources":47,"review_status":"coordinator_scoped_review_complete_with_limits","review_complete":true,"sha256":"ba669b80828738178a04d4e5aa869fb1d3f57344300976246313ece56c012a25","headings":["A1. Minnesota no longer has a universally applicable flat 25% ordinary-wage formula","A2. Percentage protection is automatic; a benefit-based claim is a different question","A3. Garnishment, sheriff’s levy, and attorney’s execution are different procedures","A4. Withholding is not payment to the creditor","B1. Material enactment chain","B2. Rate and indexing","B3. Compilation and federal currency","C1. What is being reached?","C2. Gross-to-disposable calculation","C3. Full or separate exemptions","D1. Minnesota ordinary-judgment formula","Nonweekly pay","D2. Federal ordinary limit","D3. Automatic protection, multiple orders and priority","E1. Judgment and route predicates","E2. Chapter 571 earnings-garnishment sequence","Important retention distinctions","E3. The debtor’s claim, creditor objection and hearing","What the wage claim requires—and what bank instructions do not add","E4. Timing law","G1. Forms actually inspected","Exact discrepancies retained","G2. Limited consequences and employment protection","G3. Published opinions actually read","Common assumptions","M01 — Weekly pay: the floor, not the percentage, controls","Inputs","M02 — Biweekly pay and the elective-deduction adverse branch","Inputs","Incorrect branch","M03 — Current need-based assistance supersedes the ordinary amount calculation","Facts and dates","Ordinary calculation before the categorical exemption","Actual model result","Former-recipient branch","M04 — Overwithholding, timely objection, hearing, release and credited remittance","Judgment and service facts","Each payday","Claim and court sequence","Final ledger","Bounded search and unavailable evidence"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-12","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"ReviewedP01allremainingstate statement/currentunacceptedexemptionsenforcementdimension/authorizedparent narrowed to ordinarycivilmoneyjudgment earnings garnishment/exemption-claim-hearing; no inventedexactP01row/P11premise.","pending_corrections":0},{"key":"s_mn--pass-13","task":"S_MN","title":"SMN Bank-account and non-earnings garnishment, exemptions, tracing, and release","parent_title":"Minnesota debt and debt relief law","edition":"pass-13","path":"/research/s_mn--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":68,"sources":53,"review_status":"delegated_coordinator_scoped_bank_routes_tracing_federal_review_with_source_currentness_judicial_application_holds","review_complete":true,"sha256":"8cd11312b125a5c81e6079fbf4c3836f046bfc5cec6df8532ee840d903e728f2","headings":["A1. There are three materially different routes","A2. Automatic federal protection is not the entire exemption determination","A3. Minnesota expressly requires FIFO for specified deposited exemptions","A4. Joint-account access is not the same as beneficial ownership","A5. Late claims are not automatically waived—but recovery still requires the proper process","B1. Route-specific authority","Important scope distinction","B2. What attaches—and what does not automatically attach","B3. Priority, setoff, and third-party ownership","C1. Service and required package","C2. Disclosure and retention","Chapter 571 retention is not creditor ownership","A Chapter 551 cross-reference remains unresolved","D1. Deposited funds matrix","A benefit label does not prove the exemption","D2. Corrected 2026 indexed amounts","D3. Other protected benefits and federal preservation","Money versus converted property","E1. Coverage and sequence","Exact lookback construction","E2. Commingling, joint accounts and later deposits","E3. Notice, fee and record rules","E4. Boundaries not converted into ordinary-consumer exceptions","F1. Shared features and critical route differences","The postmark-versus-receipt tension","F2. Pending objection and release","F3. Evidence and burdens","F4. Failure, late claims, and limited sanctions","F5. Counting rules","G1. Official forms actually read","Specific form/text conflicts preserved","G2. Version and amendment matrix","G3. Published majority opinions","H1. Twenty distinct postures","H2. Shared model assumptions","M01 — Ordinary garnishment, claim, objection, hearing and release","Funds before service","Process","Counts","Reconciliation","M02 — Federal coded-benefit review plus a residual state claim","Cash and source ledger","Federal sequence","Residual claim","M03 — Commingled support, exempt earnings and ordinary funds","Different initial-service date—not aging an existing hold","Evidence failure branch","M04 — Sheriff versus attorney execution, no initial claim, and a later return","Facts","Parallel routes","Late claim and court-directed correction","Cash and principal reconciliation","Other access and interpretation limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-13","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["levy","settlement","resolution"],"subject":["bank-garnishment","exemptions-property"]},"scope":"ReviewedP01 remaining-state statement/currentunacceptedexemptionsenforcementdimension/authorizedparent narrowedordinarycivilmoneyjudgment bank/deposit/non-earnings garnishment/levy/protectedfunds/claim-objection-hearing-release. P12UNREVIEWEDnotpremise.","pending_corrections":0},{"key":"s_mn--pass-14","task":"S_MN","title":"SMN Earnings remittance, retention, exemption claims, and form harmonization","parent_title":"Minnesota debt and debt relief law","edition":"pass-14","path":"/research/s_mn--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":64,"sources":44,"review_status":"scoped_review_complete_with_holds_correction_addressed","review_complete":true,"sha256":"1c6a6685b1463a4787ec079e4f58b599938008a41ea5223b8886474f9397bdaf","headings":["A. Focused findings","A1. The 90-day remittance instruction is enacted law, not merely informal guidance","A2. The six-business-day creditor rule is not a six-business-day employer-release rule","A3. A pure percentage error has a motion framework, but JGM802 is not a percentage-error form","A4. The attorney-execution recipient conflict is also in the enacted statute","B1. Separate events and legal consequences","B2. “Operation of law”: supported text versus unresolved construction","B3. Discharge is not payment or debt extinction","C1. Different grounds require truthful different facts","C2. Actual generic motion and service framework","Scheduling cannot be copied indiscriminately from the generic packet","C3. Creditor receipt, objection and hearing","C4. Uncontested and contested employer-held money","Uncontested claim","Contested claim","Known excess versus genuinely disputed entitlement","D1. Exact incorporation pathways","D2. Recipient, ceiling and clock matrix","D3. Execution motions and retention","D4. Two timing conflicts must remain visible","E1. Authentication matrix","E2. Exact material discrepancies","E3. Currentness and final adoption records","Shared assumptions","M01 — Chapter 571 capture, disclosure, authorization, and discharge","Timeline and amounts","Date calculations","Branch A — Actual written authorization","Branch B — Express order resolves a contested portion","Branch C — No identified remittance event","M02 — Percentage-error claim versus benefit claim; creditor-held variant","Main percentage-error branch","Categorical alternative","Independent creditor-held variant","M03 — Uncontested employer claim and the missing mechanical timer","Facts","What is proved","Concrete release branch","No-release-instruction branch","M04 — Same debt through sheriff and attorney execution","Shared facts","Sheriff route","Attorney route","Motion distinction","Access-history qualifications","Bounded interpretation searches","Register reconciliation","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-14","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":["client-money","exemptions-property","tools-forms-checklists"]},"scope":"ReviewedP12 exactremaining7rows narrowedearnings remittance-retention/employer claim-objection-release/statutory-currentform harmonization by3routes; P13bankUNREVIEWEDnotpremise. No full earnings/tips/irregular/formula rerun.","pending_corrections":0},{"key":"s_mn--pass-15","task":"S_MN","title":"SMN Consumer contract and account-debt limitations, accrual, choice of law, and revival","parent_title":"Minnesota debt and debt relief law","edition":"pass-15","path":"/research/s_mn--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":18,"claims":64,"sources":50,"review_status":"scoped_review_complete_accepted_with_limits","review_complete":true,"sha256":"a2386b08f5fb533bd0a085aba47c788983b1895ae66dd503357acad2ca7999bf","headings":["A1. The consumer rule is broader than a debt-buyer restriction","A2. Six years is not a universal classification rule for every transaction","A3. A missed installment is not automatically acceleration of every future installment","A4. Payment accounting and limitations are separate","A5. Commencement and filing are not interchangeable","B1. Limitation-period matrix","The Article 2 boundary","B2. Accrual and event matrix","Account stated: agreement is the issue","C1. The sequence","C2. Contractual choice is not unlimited","C3. Pre-2004 procedural treatment is historical, not universal current law","C4. Actual Delaware primary law read for the comparison","D1. Payment and promise matrix","What the older cases establish—and do not","D2. Assignment does not itself restart accrual","D3. Original creditor, assignee, and qualifying debt buyer","E1. Tolling and saving are specific—not a general fairness extension","The estoppel limitation is especially important","E2. Commencement and filing matrix","Counting","E3. Pleading and evidentiary burden","G1. Version/effect matrix","G2. Published majorities actually read","Common assumptions","M01 — One maturity, installments, and optional acceleration","Shared principal","Branch A: single maturity","Branch B: four installments, no acceleration","Branch C: valid optional acceleration stipulated","M02 — Minnesota forum, Delaware clause, and assignment","Facts and balance","Consumer branch","Conditional borrowed-period branch","M03 — Original creditor versus qualifying buyer; pre- and post-expiration events","Shared original facts","Branch A: authorized pre-expiration payment","Branch B: payment after expiration","Branch C: nondebtor payment before expiration","Branch D: refused tender","M04 — Commencement, 60-day relation, and narrow saving","Ordinary Rule 3 facts","Adverse alternatives","Narrow §541.18 saving branch","Access and search limits","Register reconciliation","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-15","facets":{"geography":["us","us-mn"],"debt_type":["contracts"],"stage":["collection","judgment"],"subject":["agreements-disclosures","limitations-revival","judgments-duration"]},"scope":"ReviewedP01expressallremainingstate + currentunacceptedlimitationsdimension/authorizedparent narrowedordinaryconsumer unsecuredcontract/account limitations/accrual/choiceborrowing/acknowledgment-payment-assignment only; savedP07–P10/P13/P14UNREVIEWEDnotpremises. No generalcourt/judgmentrenewal/communicationsrerun.","pending_corrections":0},{"key":"s_mn--pass-16","task":"S_MN","title":"SMN Bounded correction supplement to","parent_title":"Minnesota debt and debt relief law","edition":"pass-16","path":"/research/s_mn--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":9,"claims":18,"sources":9,"review_status":"scoped_review_complete_with_holds_correction_addressed","review_complete":true,"sha256":"02828487858a00a18c66522910b2f4118089083b83ad436cf845850e4e16d7be","headings":["A. Verified statutory correction","A1. What §571.79(h) requires","A2. Necessary surrounding discharge provisions","B. Corrected fictional calculations","B1. Shared assumptions","B2. Branch A — Disclosure-date-only calculation","B3. Branch B — Actual later return stipulated","B4. Ledger preserved only in the stipulated actual-return branch","C. Execution-route comparison: no later-return transplant","PASS-14 M04 calculation retained","D1. Canonical replacement text","R1 — Replace PASS-14 C012’s assertion and B1’s qualification description","R2 — Replace the final paragraph of PASS-14 M01 Branch C","R3 — Replace PASS-14 C057’s assertion","D2. Original-to-correction map"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-16","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded correction reviewedP14later-ofdisclosureORreturn571.79(h)trigger; C012/C057/B1/M01/affectedcoverage; preserveotherfindings/holds, executionM04differenttrigger.","pending_corrections":0},{"key":"s_mn--pass-17","task":"S_MN","title":"SMN Minnesota consumer money-debt court gateway","parent_title":"Minnesota debt and debt relief law","edition":"pass-17","path":"/research/s_mn--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":22,"claims":80,"sources":54,"review_status":"revise_two_bounded_pinpoints_UNSENT_with_source_currentness_and_application_holds","review_complete":true,"sha256":"508008a153806919a6ed243c9b0176b896a735124b19964b1bda18d94047fa12","headings":["A1. District and conciliation court are not interchangeable","The $4,000 category is narrower than “consumer debt”","A2. Venue and jurisdiction are separate","A3. Representation and the corporate-statute conflict","B1. The action, service, receipt, and court file are different events","B2. Who serves whom, and how?","Service proof and burden","B3. Publication and a newly enacted 2026 provision","B4. Waiver of summons is not waiver of every defense","C1. Response and preservation matrix","A debt-dispute letter requires precise treatment","C2. Default is a requested judicial result, not an automatic balance finding","C3. Assigned consumer debt: separate mandatory proof and notice","C4. Military, minor, and competency safeguards","C5. Entry and notice","D1. Grounds, clocks and decision-maker","D2. Excusable default: four findings, not one favorable fact","D3. Void service is different from excusable neglect","E1. Current July 2026 procedure","New electronic hearing-reminder requirement","Wrong address and failed delivery","E2. Conciliation entry, stay, vacation and removal","The 21-day clocks are not ordinary district answer clocks","F1. Official forms actually read","F2. Discrepancies preserved","F3. Currentness and final adoption","Common assumptions","M01 — Valid personal service, an unopened file, and motion versus negotiation","Claim accounting","Main route","Proper-motion alternative","Negotiation alternative","M02 — Waiver request, missing return, disputed abode and entity service","Compliant waiver branch","Unreturned request branch","Disputed substitute-service branch","Entity branch","M03 — Appearance, assigned-debt proof, default notice and alternative vacatur","Facts","Separate default notices","Missing-proof branch","Complete-proof, entered-judgment alternative","M04 — Conciliation mail service, default vacation and contested-trial removal","Claim and service","Default branch","Later-learning branch","Contested-trial alternative","Denial-of-vacation alternative","Bounded-search limits","Register reconciliation","Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-17","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["lawsuit"],"subject":["client-money","court-entry-service"]},"scope":"ReviewedP01remainingallstate/currentunacceptedlitigationparent narrowedordinaryconsumerdistrict-conciliationforum/venue/service/response/default/vacaturgateway. P13/P15UNREVIEWEDnotpremises; P16earningscorrectionseparate, no broader merits/arbitration/limitation/renewalrerun.","pending_corrections":2},{"key":"s_ms--pass-01","task":"S_MS","title":"SMS Mississippi provider market access and consumer fees","parent_title":"Mississippi debt and debt relief law","edition":"pass-01","path":"/research/s_ms--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":10,"claims":39,"sources":21,"review_status":"revise","review_complete":true,"sha256":"7399242c60956b6a937bcf7dd9592cee188f34460ee5074ac4a78f82c4075e14","headings":["Component conclusion","1. How Mississippi classifies the relevant conduct","A.1 Classification matrix","A.2 Consumer versus commercial purpose","A.3 Resident and remote-provider nexus","2. Which models are licensed, prohibited, or excluded","A.4 Core market-access results","A.5 The for-profit settlement exclusion","A.6 Other statutory exclusions","A.7 Nonprofits","A.8 Attorneys","A.9 Original creditors and institutions","3. Consumer fees and fee bases","A.10 Covered/licensed-provider fee schedule","A.11 Percentage, savings, settlement, and aggregate fees","A.12 Currentness and indexing","A.13 Fair-share contributions","A.14 Provider/government charges are not consumer charges","4. When fees may be requested or received","A.15 Mississippi timing for a licensed provider","A.16 Mississippi timing under the for-profit exclusion","A.17 Federal TSR timing—only when the TSR applies","Proportional method","Savings method","Dedicated accounts","A.18 State and federal rules must be kept separate","A.19 Credit-repair overlap","5. Regulator permission, application, and public lookup","A.20 Issuing regulator and legal authority","A.21 Current public application procedure","A.22 Remote-provider access","A.23 Public license verification","A.24 Regulation and examination material","6. Worked fee and boundary examples","Example 1 — Licensed custodial DMP, first service month","Example 2 — Lower-debt licensed DMP","Example 3 — Licensed DMP cancellation after three months","Example 4 — Excluded settlement model plus TSR proportional allocation","Example 5 — TSR savings method","Example 6 — Consumer approves settlement but makes no payment","Example 7 — Fee received before settlement approval","Example 8 — Noncustodial DMP","Example 9 — Lawyer label without established lawful-practice facts","Example 10 — Business-purpose obligation","Example 11 — Prior-fee consistency under the proportional method","7. Component boundaries","C.1 Classification and exclusions","C.2 Licensing and state fees","C.3 Federal timing, processors, cases, and remaining verification","Actually read","Search-rendered or reconstructed locators, not fully opened","Not read or not verified","Process and mode"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MS/pass-01","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"FreshMississippiprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_ms--pass-02","task":"S_MS","title":"SMS focused precision and currentness addendum","parent_title":"Mississippi debt and debt relief law","edition":"pass-02","path":"/research/s_ms--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":8,"sources":11,"review_status":"accepted_with_limits","review_complete":true,"sha256":"10bf20b631c8ab33787f59dc31b608b6a7e605053a771a29e8fb5567ea8d1dd6","headings":["1. Exact federal timing replacements","Replacement for A.19 and S_MS-P1-C037","Replacement for S_MS-P1-C030","Bounded conclusion","Minimal version, effectiveness, and pinpoint matrix","Necessary § 81-22-3 and § 81-22-13 comparison","Freshly read or refreshed in PASS-02","Search-rendered but not fully opened","Directly attempted and inaccessible","Reused without a new PASS-02 fetch","Process and mode"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MS/pass-02","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederalcreditrepairprecision/sourcepinpointqualificationandremaining2026HB1265primarycurrentnessevidencereconciliation;nofulloverview/fees/examples/FTCregulatedinterpretationrerun","pending_corrections":0},{"key":"s_ms--pass-03","task":"S_MS","title":"SMS Mississippi consumer-money custody, escrow, processor, and return component","parent_title":"Mississippi debt and debt relief law","edition":"pass-03","path":"/research/s_ms--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":40,"sources":10,"review_status":"funds_processor_component_reviewed_with_currentness_and_application_holds","review_complete":true,"sha256":"0258ba2681a1f13fded5d165d534bda785ac5960c7afc5a8234ad68076b256cb","headings":["Component conclusion","1. Account-model and control matrix","2. Chapter 22 custody, escrow, and ledger requirements","2.1 Receipt and deposit","2.2 What the statute expressly protects","2.3 Segregation and individual accounting","2.4 Creditor remittance","2.5 Misdirected payments","2.6 Fair-share credits","3. Chapter 22 processor architecture","3.1 Functional processor definition","3.2 Ten-day notice and disclosed information","3.3 Security and pre-use confirmations","3.4 Contract termination","3.5 Provider responsibility is not displaced","4. Cancellation, termination, failed plans, cessation, and returns","4.1 Consumer cancellation","4.2 Rejected proposal or failed plan","4.3 Provider insolvency or regulatory cessation","4.4 Federal dedicated-account return","5. Separate Mississippi money-transmission gateway","5.1 Why the gateway matters","5.2 Material exemptions","5.3 Authorized-delegate architecture","5.4 Records and reconciliation","5.5 Timely transmission and refunds","5.6 Receipts and current delegate disclosures","5.7 Money-transmitter permissible investments and statutory trust","6. Reconciliation of the state and federal account rules","Ledger 1 — direct provider custody and the fifteen-business-day clock","Ledger 2 — current balance already reflects prior lawful earnings","Ledger 3 — provider-caused misdirection","Ledger 4 — pooled escrow and consumer subledgers","Ledger 5 — consumer-owned dedicated account with provider instructions","Ledger 6 — conditional money-transmitter refund","Ledger 7 — fair-share contribution","Ledger 8 — money-transmitter permissible-investment shortfall","D.1 Chapter 22 custody and processor claims","D.2 Money-transmission and federal-overlay claims","Actually read in this pass","Reused with preserved limits","Not read or not established","Process"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MS/pass-03","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"ExactreviewedremainingP1funds/escrow/trust/processor/return component; priorP2source/federal/currentness/provider andbroaderholdsretained.","pending_corrections":0},{"key":"s_ms--pass-04","task":"S_MS","title":"SMS Mississippi debt-management provider and processor bond/security component","parent_title":"Mississippi debt and debt relief law","edition":"pass-04","path":"/research/s_ms--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":37,"sources":16,"review_status":"security_component_reviewed_with_currentness_form_beneficiary_and_application_holds","review_complete":true,"sha256":"9cbad0e91dedfc2062bb361b2d397ea23a847bd5cd68a4a4e6292f2f3b000fcc","headings":["Component conclusion","1.1 Who must furnish security","1.2 Amount, payee, and conditions","1.3 Issuer qualification","1.4 Authorized alternatives","1.5 Consumer disclosure of the bond","2.1 Functional processor boundary","2.2 Notice and calculation inputs","2.3 Processor bond formula","2.4 Substitute processor assets","2.5 Preconditions to use","2.6 Termination and the processor-security waiver","2.7 Missing processor-bond terms","3.1 Express consumer action is against the provider","3.2 How the provider judgment relates to the bond","3.3 General intended-beneficiary authority","3.4 State bond enforcement","3.5 Attorney fees and court costs","3.6 Provider liability versus bond capacity","3.7 DBCF complaint process is not the bond claim process","4.1 Electronic bond administration","4.2 No verified cancellation period or tail","4.3 Reduction and riders","4.4 Aggregate and multiple claims","4.5 Insolvency and surety solvency","5.1 What is publicly available","5.2 What was not recovered","5.3 Separate money-transmitter security","5.4 DBCF’s money-transmitter webpage is stale on the bond floor","Example 1 — single established provider judgment below the bond face amount","Example 2 — provider judgment exceeds the $50,000 face amount","Example 3 — two consumers and insufficient assumed aggregate capacity","Example 4 — provider certificate-of-deposit alternative","Example 5 — processor bond calculation","Example 6 — provider deposit causes processor-security waiver","Example 7 — provider and processor instruments cannot simply be stacked","Example 8 — separate conditional money-transmitter calculation","C.1 Provider security and consumer recovery","C.2 Processor security","C.3 Separate money-transmission gateway and public-evidence limits","Actually read in PASS-04","Fresh but incomplete or unsuccessful public routes","Preserved currentness limitation","Not read or established","Process and mode"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MS/pass-04","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":["counseling-dmp","provider-security","provider-remedies"]},"scope":"ExactreviewedP1excluded provider/processorbondsecurity/necessaryrecoverygap; P3fundsunreviewed, P2currentness/forprofit/federal/provider/broaderholdsretained.","pending_corrections":0},{"key":"s_mo--pass-01","task":"S_MO","title":"SMO — Missouri Debt Relief Provider Access & Consumer Fees","parent_title":"Missouri debt and debt relief law","edition":"pass-01","path":"/research/s_mo--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":28,"sources":14,"review_status":"revise","review_complete":true,"sha256":"ac03710c20fbbbab939d229c5b23a4ff76095ef215ed705939624eee3b45925a","headings":["A. Substantive findings","Executive determination","A1. Definitions and model classification","A2. Prohibition, permitted structures and exemptions","A3. Consumer fees","A4. When fees can actually be received","A5. Missouri regulator and market-access procedure","A6. Directly verified bond requirement — supplemental finding","B. Primary source register","C. Consolidated claim register","D. Worked fee examples and component coverage","D1. Worked examples","D2. Coverage and exact gaps","D2. Coverage and exact gaps — continuation","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MO/pass-01","facets":{"geography":["us","us-mo"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"FreshMissouriprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_mo--pass-02","task":"S_MO","title":"Bounded correction and evidence reconciliation","parent_title":"Missouri debt and debt relief law","edition":"pass-02","path":"/research/s_mo--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":19,"sources":9,"review_status":"accepted_with_limits","review_complete":true,"sha256":"19d87f63dc5db64e8d12d8cbad7dd7966a566cac6cad6b042b03f70315c063a7","headings":["Bounded correction and evidence reconciliation","1. Dedicated-account replacement","Replacement for P1 A4, C018 and C026","Exact state/federal account-condition matrix","2. Minimal replacement for MO-E05","3. Federal source-attribution correction","Replacement for the federal portion of P1 C017","Federal source layers","4. Bond and public-form reconciliation","Replacement for the early A5 hold","Statute/agency/forms/version/gap matrix","5. PASS-02 source register","6. PASS-02 claim register","7. Focused correction-coverage table","8. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MO/pass-02","facets":{"geography":["us","us-mo"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Boundedstate/federalaccountpredicateandE05actualpaid/partialplanqualification;sourceattributionandnewlyreadformsminimalgapreconciliationonly,notfullbondoperationsorreport","pending_corrections":0},{"key":"s_mo--pass-03","task":"S_MO","title":"Minimal provenance-only patch to","parent_title":"Missouri debt and debt relief law","edition":"pass-03","path":"/research/s_mo--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ec75f11d5f0c0584233b80a44999ded8cb6e02dedaf93ae8e82eb44eb7d99b04","headings":["Minimal provenance-only patch to PASS-02","Source and version dates unchanged","Limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MO/pass-03","facets":{"geography":["us","us-mo"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only correct P2accessdate label to actual October25Pacific generation/accesssession; no newlegalbrowsing or rerun.","pending_corrections":0},{"key":"s_mt--pass-01","task":"S_MT","title":"SMT Montana provider market access and consumer fees","parent_title":"Montana debt and debt relief law","edition":"pass-01","path":"/research/s_mt--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":30,"sources":16,"review_status":"revise","review_complete":true,"sha256":"5bc239e7d8b4299d2592c6adb91b7ddc6b020fa72a07f09fed46100777ed82f0","headings":["A. Substantive findings","1. Classification and market access","2. Consumer fees","3. Fee timing and refunds","4. Direct verification of current settlement fee law","5. Federal fee timing — directly checked","6. Operational permission and verification","B. Source register","C. Claim register","D. Worked examples and classification tests","Example 1 — Settlement ceiling, $20,000 enrolled","Example 2 — Lower enrolled debt","Example 3 — Partial settlement under a consistent TSR allocation","Example 4 — Debt-management monthly charge","Example 5 — Cancellation after two completed debts","Example 6 — Custody changes the classification","Component coverage and gap table","Remaining holds","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-01","facets":{"geography":["us","us-mt"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"FreshMontanaprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_mt--pass-02","task":"S_MT","title":"SMT Focused precision correction and current-rule/scope addendum","parent_title":"Montana debt and debt relief law","edition":"pass-02","path":"/research/s_mt--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":13,"sources":15,"review_status":"accepted_with_limits","review_complete":true,"sha256":"0b9492d7e96cc86d84a3183f6dbac45d1a7fa7b121f4b02686371ef0e037340a","headings":["A. Exact federal replacements and corrected source labels","1. Replacement for PASS-01 paragraph 5 and claim C025","2. Replacement qualification for C026 — dedicated accounts","3. Replacement for the credit-repair paragraph and C027","4. Replacement authority labels for PASS-01 S015 and S016","B. Current ARM rule and standalone-counseling resolution","B1. ARM 23.19.1005 — qualified current-rule conclusion","B2. Exceptional circumstances, waivers, and indexing","B3. ARM 23.19.1001 — current $1,000 government license fee","B4. Standalone counseling versus licensed DMP activity","Minimal ARM version and status matrix","C. Small operational-route qualifications","C1. DOJ provider procedure page","C2. OCP-801 debt-settlement checklist","C3. Public lookup route","Focused PASS-02 source register","Focused PASS-02 claim table","Boundary-only corrections to preserved examples","Focused coverage and gap table","Researcher self-check","Freshly accessed or refreshed in PASS-02","Supplied or reused without being reclassified as fresh PASS-01 access","Failed or access-limited routes","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-02","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederal/sourceauthorityprecisionandremainingofficialcurrentARM1001/1005andstandalonecounselingscopereconciliation;nofullPart21/statereport/examplesrerun","pending_corrections":0},{"key":"s_mt--pass-03","task":"S_MT","title":"SMT Minimal provenance correction","parent_title":"Montana debt and debt relief law","edition":"pass-03","path":"/research/s_mt--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"d358669d51468cb2a450c4e33d72872c078a13f874d1c8bff00061c17253d200","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-03","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only two overall P2session-date labels, not source-by-source timing or legal research.","pending_corrections":0},{"key":"s_mt--pass-04","task":"S_MT","title":"SMT Montana consumer-money custody, trust-account, and refund architecture","parent_title":"Montana debt and debt relief law","edition":"pass-04","path":"/research/s_mt--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":31,"sources":7,"review_status":"accepted_with_limits_checked_core_E3_material_patch_resolved","review_complete":true,"sha256":"272cd6cf7bee7ad4df1c7a5d5e9e7e9e6b99ee7809c86b56a5d945ea3a95ea86","headings":["Core determination","1. Custody entry point and hybrid arrangements","Part 20 custody","Part 21 noncustody","Same-entity displacement versus unresolved hybrid","Account/model matrix","2. Part 20 account duties","Verified account architecture","Account-duty matrix","Provider fees and combined receipts","3. Statements, records, oversight, closure, and payment-processing gateway","Consumer reporting and account access","Records and audit","Investigative authority","Relocation, closure, cessation, and insolvency","Money transmission and escrow gateway","4. Cancellation, termination, failed plans, and refund architecture","Part 20 DMP","Failed enrollment or unsigned DMP","Part 21 settlement cancellation","Already remitted money","5. Montana funds rules versus preserved federal account overlay","Example 1 — Ordinary Part 20 custodial cycle","Example 2 — Part 20 consumer cancellation without double subtraction","Example 3 — Receipt before a valid signed DMP","Example 4 — Part 21 external-account comparison","Branch A — every applicable federal and state fee condition is satisfied","Branch B — the customer deposited money, but a required performance condition is absent","Example 5 — Part 21 cancellation fee refund with explicit allocation","Example 6 — Hybrid processor held-gap classification","Freshly read on October 25, 2026, Pacific","Expressly reused, not freshly fetched","Discovery or failed routes","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-04","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Reviewed remaining consumer-money custody/trust-account/hybrid/refund component; currentARM/fee/provider/fullstateholds retained.","pending_corrections":0},{"key":"s_mt--pass-05","task":"S_MT","title":"SMT Montana bond, insurance, and alternative-security component","parent_title":"Montana debt and debt relief law","edition":"pass-05","path":"/research/s_mt--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":30,"sources":12,"review_status":"accepted_with_limits_for_checked_core_remaining_security_gaps","review_complete":true,"sha256":"2f8cf587bde3e402853fd6f2fa566a7f44c6550c60648a1f44f845d2bd662eda","headings":["Executive findings","1. Covered models and security triggers","Part 20 — debt management and covered credit counseling","Part 21 — noncustodial settlement","Hybrid or third-party arrangements","Model-by-security matrix","2. Exact Part 20 bond requirements","Amount","Official rule history","Applicant, locations, agents, and affiliates","Surety qualification","DMP professional liability, E&O, fidelity, or crime insurance","3. Exact Part 21 insurance requirements","Covered conduct and actors","Amount and deductible","Insurer and rating organization","Financial statement, filing charge, and security","4. Current applications, forms, and operational materials","Part 20 DMP route","Part 21 settlement route","5. Commencement, continuity, replacement, lapse, and claims","Part 20 bond timing","Part 21 insurance timing","Occurrence versus claims-made","Who may claim on the Part 20 bond","Who may claim under Part 21 insurance","Cases and orders","Example 1 — One valid Part 20 bond claim","Example 2 — Multiple Part 20 claims and conditional aggregate","Example 3 — Part 21 deductible on a $60,000 loss","Example 4 — Loss above the Part 21 per-occurrence form limit","Example 5 — Multiple Part 21 occurrences and unknown aggregate","Example 6 — Part 21 replacement notice and continuity","Example 7 — Part 20 historical cancellation condition","Example 8 — Custodial versus noncustodial security","Freshly and directly read","Freshly accessed but failed or incomplete","Discovery-only or secondary material not treated as controlling","Reused without changing prior provenance","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-05","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["provider-security"]},"scope":"ExactreviewedP1 remaining bond/insurance/security gap, independent of unreviewed P4funds; all broaderholdsretained","pending_corrections":0},{"key":"s_mt--pass-06","task":"S_MT","title":"SMT Montana mandatory agreement, disclosure, and execution component","parent_title":"Montana debt and debt relief law","edition":"pass-06","path":"/research/s_mt--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":36,"sources":11,"review_status":"targeted_corrections_resolved_with_limits","review_complete":true,"sha256":"7fc06e18d839cc00e4ce502ff54845fe2e65dbe86595ede25ceb562b75705c5e","headings":["Core conclusions","1. Scope, definitions, exclusions, education, and precontract suitability","Part 20 custodial DMP","Part 21 noncustodial settlement","Conditional credit-repair organization overlap","2. Model-by-clause matrix","3. Execution, assent, delivery, readability, and electronic records","Part 20 execution sequence","Part 21 execution sequence","Electronic agreement under Montana UETA","Conditional E-SIGN consumer-consent overlay","Conditional Montana plain-language overlay","4. Cancellation, termination, modifications, assignment, and prohibited terms","Part 20 cancellation","Part 21 cancellation","Fee or debt amendments","Assignment and choice of law","Arbitration and jury-waiver boundary","5. Conditional telemarketing and CROA agreement overlays","Montana telephone-sale branch","Conditional federal CROA branch","B1. Execution-event matrix","B2. Mandatory Part 20 document checklist","B3. Required Part 21 precontract disclosures","Example 1 — Part 20 paper DMP execution","Example 2 — Part 20 generic intake form is insufficient","Example 3 — Part 21 disclosure then execution","Example 4 — Percentage-only settlement fee language","Example 5 — Electronic signature with retainable record","Supported branch","Unsupported branch","Example 6 — Part 20 cancellation without invented calendar","Example 7 — Conditional covered telephone sale","Example 8 — Conditional CROA transaction","Example 9 — Debt addition and fee amendment","Example 10 — One-sided arbitration clause","Freshly and directly read on October 26, 2026","Reused without changing prior provenance","Failed, conflicting, or access-limited routes","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-06","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP1remainingagreement/disclosure/executiongap, independentofunreviewedfunds/security","pending_corrections":0},{"key":"s_mt--pass-07","task":"S_MT","title":"SMT Montana Part 20/Part 21 provider enforcement, private remedies, voidness, fee return, and remedy-specific limitations","parent_title":"Montana debt and debt relief law","edition":"pass-07","path":"/research/s_mt--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":45,"sources":21,"review_status":"five_targeted_groups_resolved_with_limits_broad_report_unaccepted","review_complete":true,"sha256":"3661146fef89a6adc93c8b971c55b06925d152fa18dc02a77b5a3f238a858fff","headings":["Executive conclusions","A1. Part 20 coverage remains activity-based","Administrative licensing discipline","A2. Part 21 remains the noncustodial settlement branch","A3. Model-by-remedy matrix","B1. Exact trigger","B2. Exact consequences","B3. Bona fide error","B4. Relationship to the Part 20 private remedy","C1. Private claimant and predicates","C2. Available relief","C3. Public enforcement and specific fine","D1. Public enforcement","D2. Assurances of discontinuance","D3. Private debtor remedies","D4. Cancellation-service-fee refund","E1. Scope and regulated conduct","E2. Regulated-activity exemption is narrow","E3. Private standing, causation, and ascertainable loss","E4. Private MCPA damages and fees","E5. Public MCPA remedies","E6. Civil fines and criminal boundary","G1. Private MCPA claim","G2. Part 20 express damages and fee-return claims","G3. Part 21 private remedies","G4. Department and other public actions","G5. Criminal prosecution","G6. Administrative license proceedings and judicial review","G7. CID challenge","G8. Tolling and complaint filing","Limitation and trigger matrix","H1. Current OCP complaint route","H2. Controlling and materially relevant decisions located","Osterman v. Sears, 2003 MT 327","Anderson v. ReconTrust Co., 2017 MT 313","Morrow v. Bank of America, 2014 MT 117","Norris v. Olson, 2024 MT 123","Granbois v. Big Horn County Electric Cooperative, 1999 MT 249","H3. Provider-specific cases and orders not located","I1. Federal Telemarketing and Consumer Fraud and Abuse Prevention Act","I2. CROA","I3. CFPA","Example 1 — Unauthorized charge without bona fide error","Example 2 — Bona-fide-error branch","Branch A — provider proves a qualifying bona fide error","Branch B — error is not bona fide","Example 3 — Part 20 per-violation damages without automatic double counting","Violation A","Violation B","Total if the court treats them as separate, nonoverlapping violations","Example 4 — Fee return and damages overlap","Example 5 — Private MCPA enhancement and attorney-fee cap","Example 6 — Public restitution versus private recovery","Example 7 — Part 21 cancellation refund is not exclusive","Example 8 — Licensing discipline versus consumer damages","Example 9 — OCP complaint does not establish tolling","Example 10 — Excluded or expired branch","Coverage failure","Standing failure","Time failure"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-07","facets":{"geography":["us","us-mt"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-remedies","limitations-revival"]},"scope":"Exact reviewed P1 remaining remedies/enforcement/voidness gap; independent of unreviewed P4/P5/P6.","pending_corrections":0},{"key":"s_mt--pass-08","task":"S_MT","title":"SMT Montana collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","parent_title":"Montana debt and debt relief law","edition":"pass-08","path":"/research/s_mt--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":54,"sources":26,"review_status":"revise_bounded_example_claim_links_and_frequency_premise_pending","review_complete":true,"sha256":"1bb06d684e79b4f597774e172be6cb088d9d5f25b2aef0d46b6971cb8ed42282","headings":["I. Executive determination","1. No general standalone Montana “collection agency” license was identified","2. The central Montana licensing trigger is the debt’s legal origin and the collector’s activity","3. A debt buyer’s title to the account does not answer either state licensing or FDCPA coverage","4. Montana does not appear to have a comprehensive state “mini-FDCPA”","A. Montana Consumer Loan Act","Consumer-purpose threshold","Making versus servicing","Statutory exemptions","Transfer consequence","Unlicensed collection consequence","B. Retail installment contract buyers","C. Model-by-license, exemption, and nexus matrix","A. Consumer Loan License","B. Sales Finance License","C. Public complaint and regulator routes","D. Discipline sufficient to explain market entry","A. Consumer Loan Act charges and payment handling","B. Retail installment contract conduct","C. Montana Consumer Protection Act","D. Specialized collection restrictions","Deferred-deposit obligations","Repossession","Ambulance-bill furnishing boundary","Attorney acquisition of claims","E. State-conduct-by-actor/event matrix","A. FDCPA coverage","B. Debt buyers","Henson v. Santander","McAdory v. DNF Associates","C. Attorneys","D. Security-interest enforcement","E. Communications and conduct","F. State-law preservation","A. McCollough v. Johnson, Rodenburg & Lauinger","B. Jacobson v. Bayview Loan Servicing","C. Baird v. Norwest Bank","D. Historical BFID order — Westgate","E. Search limitation","Example 1 — Nonbank original creditor collecting its own MCLA loan","Example 2 — Original creditor using a collection-company identity","Example 3 — Transferred Montana Consumer Loan Act loan","Example 4 — Bank-originated credit-card debt purchased after default","Example 5 — Passive debt buyer with no consumer communications","Example 6 — Remote agency collecting medical debt","Example 7 — Represented consumer and workplace contact","Example 8 — Call frequency and text-message opt-out","Example 9 — MCLA late-charge arithmetic","Example 10 — Retail installment delinquency alternatives","Flat method","Alternative 15% calculation","Example 11 — Attorney filing a time-barred collection suit","Example 12 — Repossession at a residence","Example 13 — Commercial debt","Freshly read or directly inspected on October 26, 2026","Fresh but access-limited","Bounded negative searches","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-08","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Distinct required registry dimension2: collector licensing/model coverage and state-specific conduct only; detailed validation/reporting/litigation/remedies later.","pending_corrections":2},{"key":"s_mt--pass-09","task":"S_MT","title":"SMT Montana prelitigation debt validation, disputes, and consumer access to account documentation","parent_title":"Montana debt and debt relief law","edition":"pass-09","path":"/research/s_mt--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":52,"sources":23,"review_status":"revise","review_complete":true,"sha256":"b1c2afd522ea62ff741edee5ed301d64446f397074e9ad1258a52eb754125fe1","headings":["1. Montana does not present one universal debt-validation regime","2. Montana Consumer Loan Act records and consumer-facing information","A. Payment receipts","B. Retention","C. Closure and transfer information","D. No general MCLA dispute pause found","3. Montana retail-credit documentation rights","A. Retail installment contract copy at formation","B. Written request for account statement","C. Retail-merchandise periodic statements","4. Montana UCC assignment proof, accounting, and release rights","A. Reasonable proof of assignment under §30-9A-406","B. Accounting and statement-of-account requests under §30-9A-210","C. Release after the secured obligation ends","5. Necessary federal validation branch","A. Coverage gateway","B. Initial federal validation notice","C. Regulation F’s expanded itemization","D. Validation period and receipt","E. Oral versus written disputes","F. Collection pause and restart","G. Verification standard","H. Successor collectors","I. Duplicative disputes","J. Electronic notices and responses","K. Federal record retention","L. Model Form B-1","1. First Fidelity Bank v. Matthews — assignment notice","2. Hutzenbiler v. RJC Investment — accounting and nonwaiver","3. Camacho v. Bridgeport Financial — oral dispute","4. Clark v. Capital Credit & Collection Services — verification baseline","5. Mahon v. Credit Bureau of Placer County — sending","6. Hernandez v. Williams, Zinman & Parham — successor collectors","7. Mashiri v. Epsten Grinnell & Howell — overshadowing","Example 1 — Montana Consumer Loan Act payment receipt","Example 2 — Retail installment statement request","Example 3 — Assignment-proof request","Example 4 — UCC accounting request","Example 5 — Regulation F itemization","Example 6 — Relative federal validation timeline","Example 7 — Oral versus written dispute","Branch A: oral dispute within validation period","Branch B: timely written dispute","Example 8 — Original-creditor request","Different original and current creditors","Same original and current creditor","Example 9 — Successor collector","Example 10 — Electronic validation notice","Supported branch","Unsupported branch","Example 11 — Late request","Freshly and directly read on October 26, 2026","Fresh but access-limited","Bounded negative searches","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-09","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["collection","lawsuit"],"subject":["validation-disputes"]},"scope":"Distinct expressly deferred prelitigation validation/dispute/account-documentation component; P8unreviewed not accepted; creditreporting/litigation/remedies later.","pending_corrections":2},{"key":"s_mt--pass-10","task":"S_MT","title":"SMT Montana ordinary consumer-debt credit reporting, furnishing, and dispute overlays","parent_title":"Montana debt and debt relief law","edition":"pass-10","path":"/research/s_mt--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":53,"sources":23,"review_status":"five_bounded_corrections_pending_UNSENT_all_other_holds_retained","review_complete":true,"sha256":"bba40a6b55b9fff038e73982533dcd8f76a5eb0ad4d96313821660a4c0d3d207","headings":["I. Bottom-line findings","1. State actors and scope","2. Montana CRA accuracy and compliance duties","3. Montana file access","4. Montana dispute and correction process","5. Montana disclosure fees","6. Montana obsolete-information rule","7. Montana user and adverse-action information","8. Montana private-law provisions and federal furnisher preemption","9. Montana Consumer Data Privacy Act","10. Security freezes","1. CRA dispute under 15 U.S.C. §1681i","2. Furnisher investigation after CRA notice","3. Direct dispute to furnisher under Regulation V","4. FDCPA validation is separate","1. Accuracy, correction, and disputed status","2. Date of first delinquency","3. Financial-institution negative-information notice","4. Policies and integrity","1. Federal file disclosure","2. Free and paid disclosures","3. Resellers","1. Federal ordinary collection-account clock","2. Montana’s separate seven-year language","3. Sale, assignment, payment, and settlement","4. Paid and settled accounts","5. Transfers and duplicate reporting","Current-status qualification","Example 1 — CRA dispute, direct furnisher dispute, and FDCPA validation are not substitutes","CRA route","Direct furnisher route","FDCPA route","Example 2 — Federal reporting-age clock","Example 3 — Paid settlement versus deletion","Example 4 — Sold account and duplicate-balance risk","Potentially misleading presentation","Potentially accurate transfer presentation","Example 5 — Reinsertion","Example 6 — Incomplete direct dispute","Example 7 — Montana and federal CRA dispute periods","Example 8 — Security freeze does not halt existing-account collection","Freshly read on October 26, 2026","Access-limited or secondary","Bounded negative searches","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-10","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Distinct ordinary consumer-debt reporting/furnishing and CRA-directdispute overlay requiredregistryitem2; P4/P6/P7/P8/P9unreviewed notpremises, sectors/fullremedieslater.","pending_corrections":5},{"key":"s_mt--pass-11","task":"S_MT","title":"SMT Montana ordinary unsecured consumer-debt limitation, accrual, choice-of-law, tolling, and revival","parent_title":"Montana debt and debt relief law","edition":"pass-11","path":"/research/s_mt--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":54,"sources":25,"review_status":"revise","review_complete":true,"sha256":"23c764bd8d8a181f9966040f1bc616cbb0a5c02ad282ed17541a3b31b320a3fc","headings":["I. Executive conclusions","Classification rule","1. General accrual","2. Installment obligations","3. Demand","4. Charge-off, collection placement, assignment, and sale","5. Account stated","1. Statutory rule","2. Revival after the ordinary period","3. Written acknowledgment requirements","4. Electronic acknowledgments","5. Payment proof and allocation","1. Contract law selection","2. Limitations law selection","3. Practical cross-border sequence","1. Disability of claimant","2. Defendant outside Montana","3. Arbitration","4. Injunction, court order, or statutory prohibition","5. Savings after dismissal or reversal","6. Bankruptcy","7. Contractual shortening","8. Transition after SB 143","1. Commencement","2. Service conflict","3. Defense and burden","4. Limitation ordinarily bars the remedy, not the existence of the debt","5. Federal time-barred collection rule","Example 1 — Current written-contract period and weekend rule","Example 2 — Oral or implied contract","Example 3 — Revolving credit account with uncertain classification","Branch A — Story-like account-stated record","Branch B — written-instrument claim","Example 4 — Installments and acceleration","Conditional acceleration branch","Example 5 — Demand note","Example 6 — Proven part payment after the original period","Example 7 — Ambiguous ledger entry","Example 8 — Electronic acknowledgment","Potentially qualifying","Not established","Example 9 — Assignment without restart","Example 10 — SB 143 transition edge","Example 11 — Cross-border branch","Example 12 — Bankruptcy sequence","Example 13 — Filing and unresolved service window","Example 14 — Time-barred collection communication","Freshly read on October 26, 2026","Numeric and event consistency checks","Bounded negative searches","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-11","facets":{"geography":["us","us-mt"],"debt_type":["unknown"],"stage":["judgment"],"subject":["definitions-classification","limitations-revival","judgments-duration"]},"scope":"Distinct ordinary unsecured consumer-debt limitation/accrual/choice/tolling/revival registryitem3 component; P10must finish/capture, no unreviewed prior legal premise","pending_corrections":1},{"key":"s_mt--pass-12","task":"S_MT","title":"SMT Bounded Example 3 correction","parent_title":"Montana debt and debt relief law","edition":"pass-12","path":"/research/s_mt--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":1,"sources":0,"review_status":"accepted_with_limits_checked_bounded_E3_correction","review_complete":true,"sha256":"655ee226c4c23285aa100863760d9e9ca1b087d2494011d61c85681cb71f6026","headings":["Correction summary","Exact replacement text for PASS-04 Example 3","Example 3 — Receipt before a valid signed DMP","Corrected C023 qualification","Failed or unsigned DMP coverage cross-reference","Source and access limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-12","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only P4E3 bona-fide-error exception and conditionalrefund/balance branches; nofullfundsrerun","pending_corrections":0},{"key":"s_mt--pass-13","task":"S_MT","title":"SMT Montana ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur","parent_title":"Montana debt and debt relief law","edition":"pass-13","path":"/research/s_mt--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":62,"sources":20,"review_status":"eight_bounded_predicate_procedure_locator_traceability_findings_pending_UNSENT","review_complete":true,"sha256":"27c4ca660365b2a6c4c7aff1f4415097343aaf25095adfeda082806dacf7068d","headings":["I. Executive findings","A. Small Claims assignment restriction","B. Real party and entity representation","A. District Court venue","B. Justice and City Court venue","C. Small Claims venue","D. Federal FDCPA venue overlay","E. Federal removal boundary","A. District Court commencement","B. District Court service matrix","C. Acknowledgment by mail is not automatic mail service","D. Justice and City Court commencement and service","E. Small Claims service","F. Two-year statute versus three-year District Rule","A. District Court","Events that do not independently extend the deadline","B. Justice, City, and ordinary Municipal Court","C. Small Claims","A. District Court Rule 6","B. Justice and City Court Rule 6","C. Concrete date example — District Court personal service","D. Concrete date example — Justice Court acknowledgment","E. Timely District Rule 12 motion","A. District Court: entry of default","B. District Court: clerk default judgment","C. District Court: court-entered judgment","D. Appearance and seven-day notice","E. Relief cap","F. Servicemembers Civil Relief Act","G. No automatic seizure","A. Entry of default: Rule 55 good cause","B. Final default judgment: Rule 60","C. Excusable neglect","D. Void judgment from defective service","E. Defective default judgment versus entry of default","F. Premature judgment after appearance","A. Entry and judgment","B. Relief from judgment","C. Appeal from limited-court default","Example 1 — District Court personal service and timely answer","Example 2 — Justice Court acknowledgment route","Example 3 — Unreturned mail packet","Example 4 — Attempted email service","Example 5 — Small Claims route is unavailable to an ordinary assignee","Example 6 — Small Claims hearing sequence","Example 7 — Timely District Rule 12 motion","Example 8 — Justice Court motion without extension","Example 9 — Negotiation without court response","Example 10 — Default against a nonappearing defendant for sum certain","Example 11 — Defendant appeared and plaintiff seeks default judgment","Example 12 — Defective service and voidness branch","Example 13 — Excusable-neglect branch","Example 14 — Justice Court relief request","Example 15 — Two-year versus three-year service conflict","Freshly read on October 26, 2026","Numeric and timeline checks","Fresh but access-limited or noncontrolling materials","Bounded negative searches and unresolved conflicts","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-13","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service"]},"scope":"Ordinary Montana civil entry/venue/service/answer/default/boundedvacatur; separate evidence/arbitration/judgment/garnishment/sectors later","pending_corrections":8},{"key":"s_mt--pass-14","task":"S_MT","title":"SMT Two bounded agreement qualifications","parent_title":"Montana debt and debt relief law","edition":"pass-14","path":"/research/s_mt--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":4,"sources":5,"review_status":"targeted_corrections_resolved_with_limits","review_complete":true,"sha256":"2f0b23be0c4244862390db8f040c0596e73fa7470e6bb44f0ccbfef30e5ac5e4","headings":["A. Correction summary","Exact replacement for the PASS-06 E-SIGN paragraph","Conditional E-SIGN and Montana-UETA relationship","Narrow §7001(c)(3) and oral-record qualifications","Corrected affected claims","Corrected coverage rows","Exact replacement for the PASS-06 Montana telephone-sale paragraph","Conditional Montana telephone-sale cancellation architecture","Corrected affected claims","Exact replacement for PASS-06 Example 7","Example 7 — Conditional covered telephone sale","Corrected telemarketing coverage rows","Nonmaterial Ossello locator annotation","Residual holds and unchanged material"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-14","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["agreements-disclosures"]},"scope":"P6two qualifications:7002state/federalrelationship;1410pre-sign/(5)/(6)completecancellationbranches; oneOssellolocatorannotation","pending_corrections":0},{"key":"s_mt--pass-15","task":"S_MT","title":"SMT Montana ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account/instrument records, and evidence","parent_title":"Montana debt and debt relief law","edition":"pass-15","path":"/research/s_mt--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":54,"sources":21,"review_status":"four_bounded_timing_example_locator_traceability_corrections_pending_UNSENT","review_complete":true,"sha256":"7aa189522698267ffd4370bd0b8d00fb7de3b7ab627071b3400564f002eea5c3","headings":["I. Executive findings","A. Real party versus subject-matter jurisdiction","B. Cure, ratification, joinder, and substitution","C. Historical collection assignment distinction","D. Defenses and counterclaims following assignment","A. No universal Montana debt-buyer packet","B. Account-specific linkage","C. Reasonable proof under §30-9A-406","D. Chain proof matrix","A. District Court","Ordinary contested debt complaint: minimum functional facts","B. Justice and City Court","C. Small Claims","D. Exhibit versus evidence","A. Written contract and revolving account","B. Account stated","C. Principal, interest, fees, payments, and credits","D. Burden","A. Entitlement to enforce versus ownership","B. Transfer and indorsement","C. Signature proof","D. Lost instrument","A. Four separate gates","B. Contracts, assignments, and hearsay","C. Business records","Current certification route","D. Baze, statutory supersession, and third-party records","E. O.L.K. — outsider witness and multiple hearsay","F. Estate of Brenden — incorporated third-party data","G. Capital One v. Guthrie — detailed foundation, not blanket safe harbor","H. Electronic records and signatures","I. Original, duplicate, electronic output, and summaries","J. 2026 proposed evidence amendments","A. Summary judgment","B. Rule 36 admissions","C. Pleading admissions","D. Default","A. District Court discovery","Scope","Available mechanisms","Privilege and confidentiality","B. Justice and City Court discovery","C. Small Claims discovery","D. Discovery failure and sanctions","Example 1 — Original creditor with native records","Example 2 — Generic bill of sale with account-link gap","Example 3 — Servicer with genuinely adopted predecessor records","Example 4 — Affidavit with inadequate foundation","Example 5 — Lost negotiable note","Example 6 — Disputed fee and credit ledger","Example 7 — Admissible record but unresolved merits defense","Example 8 — Document request does not extend response deadline","Example 9 — Request for admission","Example 10 — Default and uncertain damages","Freshly read on October 26, 2026","Currentness check","Numeric consistency checks","Access-limited or failed sources","Bounded negative searches","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-15","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["lawsuit"],"subject":["ownership-transfer","proof-evidence"]},"scope":"Ordinary Montana standing/realparty/assignmentchain/account-instrumentproof/authentication/hearsay/necessarydiscovery evidencecomponent","pending_corrections":4},{"key":"s_mt--pass-16","task":"S_MT","title":"SMT Montana ordinary consumer-debt arbitration, delegation, judicial gateway, and related waiver","parent_title":"Montana debt and debt relief law","edition":"pass-16","path":"/research/s_mt--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":62,"sources":32,"review_status":"revise","review_complete":true,"sha256":"5ac5df3f3c241b6eb818dd93c8980161ca3a8df559b97bbae1c8c27c87409de5","headings":["I. Executive findings","A. Actor matrix","B. Assignment boundary","A. Decisionmaker matrix","B. Formation remains judicial","C. Delegation must be clear and unmistakable","D. Specific delegation challenge versus whole-contract challenge","Court branch","Arbitrator branch after gateway","E. Separability does not prove formation","A. Montana statutory process","State venue qualification","B. Montana answer and motion timing","C. Justice, City, and Municipal Court crossover","D. Federal court process","A. Formation and assent","B. No universal wet-ink, initial, or oral-explanation rule","C. Conflicting terms and supersession","D. Unconscionability and one-sidedness","Extreme one-sided branch","Limited-carveout branch","E. Illegality and statutory violations","F. Class and collective proceedings","G. Statutory-remedy waiver","H. Montana Part 20 DMP boundary","A. Montana statutory arbitration protections","B. Current AAA Consumer Rules","A. Federal FAA waiver","B. Montana MUAA waiver","Conduct held sufficient in Monarch","Conduct insufficient in Peeler","C. Pleading preservation","D. Nonpayment and administrator default","Current AAA rule consequences","Judicial consequence","Example 1 — Contested formation","Example 2 — Assignee with arbitration clause but account-link gap","Example 3 — Specific delegation challenge versus whole-contract defense","Example 4 — Court suit and compel motion without a stay order","Example 5 — Rules incorporated, version unknown","Example 6 — Litigation-conduct waiver","FAA branch","Montana MUAA branch","No-waiver branch","Example 7 — Consumer fee claim and arbitrability","Example 8 — Statutory remedy waiver","Example 9 — Administrator nonpayment","Example 10 — Montana DMP jury-waiver conflict","Freshly read on October 26, 2026","Dated reuse","Decision-status safeguards","Bounded negative searches and unresolved issues","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-16","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["arbitration-adr"]},"scope":"Ordinary Montana arbitration, delegation, formation/scope, judicial gateway, stay and waiver","pending_corrections":4},{"key":"s_mt--pass-17","task":"S_MT","title":"SMT Montana ordinary consumer-debt arbitration award-to-judgment confirmation, vacatur, modification/correction, appeal, and stay boundaries","parent_title":"Montana debt and debt relief law","edition":"pass-17","path":"/research/s_mt--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":15,"claims":60,"sources":20,"review_status":"revise","review_complete":true,"sha256":"cf1e5cce4941f895514c27db4c61dd55c67bb10985d3ddc2d470de407a4836d4","headings":["I. Core determinations","A. Montana statutory award requirements","B. Current AAA Consumer Rules—conditional only","C. Award, consent award, settlement, and judgment","A. Mandatory nature","B. Applicant, court, and service","C. What the confirmation applicant should establish","D. No express Montana confirmation outer period","E. Effect of confirmation","A. Exhaustive statutory matrix","B. Burden","C. Legal error and manifest disregard","D. Award form and exceeded powers","E. No partial Montana vacatur","A. Arbitrator route versus court route","B. Evident miscalculation","C. Form correction","D. Timeliness and amendment of grounds","A. FAA confirmation","B. FAA vacatur grounds","C. FAA modification grounds","D. FAA timing and service","E. FAA papers filed","F. Exclusivity and no merits appeal","A. Current branch matrix","B. Amount in controversy","A. Montana computation rules","B. Montana concrete hypothetical","Arbitrator correction","Court vacatur or modification","C. FAA comparison on the same hypothetical","D. Fraud-discovery branch","Montana","FAA","E. No assumed tolling from related filings","A. Montana","B. FAA","A. Montana appealability","B. Montana appeal timing","C. Montana enforcement stay","D. Montana appellate stay procedure","E. FAA appeal boundary","Example 1 — Timely Montana confirmation with no ground shown","Example 2 — Post-award formation objection","Example 3 — Fraud discovered later","Montana branch","FAA branch","Example 4 — Legal error versus vacatur ground","Example 5 — Arithmetic correction versus merits rewrite","Example 6 — Confirmation filed while the opponent’s period remains open","Example 7 — Award delivered by electronic transmission, but governing source unknown","Example 8 — Appeal and stay/security boundary","Example 9 — Consent award versus private settlement","Example 10 — Arbitrator correction request and court deadline","Freshly read on October 26, 2026","Numeric and calendar checks","Access and source limits","Bounded negative searches and unresolved questions","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-17","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["judgment","appeal"],"subject":["appeals","arbitration-adr"]},"scope":"Ordinary Montana arbitration award confirmation/vacatur/modification/correction and necessary judgment/appeal/stay boundary","pending_corrections":5},{"key":"s_mt--pass-18","task":"S_MT","title":"SMT Montana ordinary consumer-debt court-judgment interest, duration, renewal, satisfaction, and judgment-lien release","parent_title":"Montana debt and debt relief law","edition":"pass-18","path":"/research/s_mt--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":56,"sources":18,"review_status":"three_bounded_rate_evidence_calendar_traceability_corrections_pending_UNSENT","review_complete":true,"sha256":"4d6b002d8e0f9983fee340c3ec65fe03cdba435dc10099af259d77c0b107b55f","headings":["I. Core conclusions","A. Prejudgment versus postjudgment interest","B. Montana default postjudgment formula","C. Calendar-year rate, fixed for the life of the judgment","D. Verified 2026 rate","E. Historical-rate branch","F. Contract-rate branch","G. Interest-bearing components","H. Verdict, decision, and judgment-entry dates","I. Appeal, stay, reversal, and modification","J. Payment, tender, and stopping interest","A. Ten-year action and execution period","B. “Dormancy” terminology","C. Expiration is not automatic extinguishment of every underlying obligation","D. Events that do not automatically renew everything","E. Tolling and stays","A. New action on the existing judgment","B. Evidence needed","C. Commencement and service","D. Signed acknowledgment","E. Part payment","F. Effect on lien","A. District Court judgment in original county","B. Another Montana county","C. Justice Court and Small Claims","D. Federal Montana judgment","E. No automatic statewide lien","F. Property and enforcement limits","G. New judgment and lien priority","A. Registration","B. Affidavit and notice","C. Stay","D. Duration","A. Statutory routes","B. Mandatory acknowledgment after payment outside execution","C. Partial satisfaction","D. Allocation","E. Full satisfaction","F. Creditor unavailable or refuses","G. No express deadline or penalty in §25-9-311","H. Cross-county records","I. Distinct legal events","A. Federal interest","B. Federal lien in Montana","C. Registration in another federal district","Example 1 — Ordinary Montana 2026 statutory-rate judgment","Example 2 — Historical proceeding before July 1, 2017","Example 3 — Contract-rate branch","Example 4 — Partial payment and conditional allocation","Example 5 — No action or execution before the ten-year period ends","Example 6 — Signed acknowledgment versus unexplained payment","Branch A — signed acknowledgment","Branch B — unexplained $100 payment","Branch C — payment after the original ten years","Example 7 — Timely action on judgment","Example 8 — Original county versus another county","Example 9 — Justice or Small Claims judgment and real estate","Example 10 — Full payment but no satisfaction entry","Example 11 — Partial satisfaction","Example 12 — Sister-state judgment"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-18","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["interest-charges-math","judgments-duration"]},"scope":"Montana ordinary court judgment interest/duration/dormancy/revival/renewal/satisfaction/lienrelease","pending_corrections":3},{"key":"s_mt--pass-19","task":"S_MT","title":"SMT Bounded corrections and qualifications to","parent_title":"Montana debt and debt relief law","edition":"pass-19","path":"/research/s_mt--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":17,"sources":11,"review_status":"four_targeted_groups_resolved_with_limits","review_complete":true,"sha256":"97c28df3b349a7993e615ef5910691dc57609ed7bc9f859723a54f10600299d8","headings":["Correction determination","Exact replacement for PASS-07 Example 1","Example 1 — Unauthorized charge without bona fide error","Exact replacement for PASS-07 Example 2","Example 2 — Bona-fide-error and posted-versus-received branches","Group 1 affected claim replacements","Exact replacement for PASS-07 E5","E5. Public MCPA injunction, notice, TRO, and venue routes","Exact replacement for PASS-07 E6","E6. Public civil fines, criminal sanction, Part 20 fine, and vulnerable-adult branches","Vulnerable-adult alternatives","Group 2 affected claim replacements","Exact replacement for PASS-07 G1","G1. Private MCPA claim","Ordinary entity or ordinary statutory-liability branch","Director or stockholder branch","Trigger qualification","Exact replacement for PASS-07 G2","G2. Part 20 express damages and fee-return claims","Exact replacement for PASS-07 G3","G3. Part 21 private remedies","Conditional defendant-type workflow","Group 3 affected claim replacements","Corrected C004","Corrected C024 and Granbois treatment","Correct Granbois posture and result","Corrected Osterman source and posture","Freshly read","Preserved, not reclassified","Still unresolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-19","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Four independently examined P7 correction/qualification groups; full broader review in progress","pending_corrections":0},{"key":"s_mt--pass-20","task":"S_MT","title":"SMT Bounded public-enforcement procedure, attorney-fee, and crosslink corrections","parent_title":"Montana debt and debt relief law","edition":"pass-20","path":"/research/s_mt--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":14,"sources":12,"review_status":"MT7G5_resolved_with_limits","review_complete":true,"sha256":"dd723915cd20b51539d055031c0593fad869c7d2810f4990a948ca1ab79efaa2","headings":["Correction summary","Civil investigative demand and challenge procedure","Conditional CID workflow","Department investigatory powers, natural-person protection, and qualified nondisclosure","Conditional protection workflow","County-attorney assistance, requested initiation, and reporting","Separate Part 21 route","Conditional county-attorney workflow","A. Two distinct current fee provisions","Section 30-14-131(2)","Section 30-14-133(3)","B. Controlling private-action treatment","C. Correct bounded relationship","D. Part 21 remains separate","Fee-route matrix","Complete bounded criminal crosslink","Failed or not relied on","Freshly read","Preserved without re-adoption","Still unresolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-20","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-remedies"]},"scope":"Only MT7G5 public procedural/fee qualifications and crosslinks","pending_corrections":0},{"key":"s_mt--pass-21","task":"S_MT","title":"SMT Montana ordinary unsecured consumer-debt wage garnishment and earnings exemptions/procedure","parent_title":"Montana debt and debt relief law","edition":"pass-21","path":"/research/s_mt--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":15,"claims":61,"sources":21,"review_status":"three_targeted_precision_groups_resolved_by_P26_with_original_holds","review_complete":true,"sha256":"ccfab708d0443b2d99d52e9d04e44d9167d4686533010b7949b98969c10119cb","headings":["I. Core determinations","A. Statutory definitions","B. Required versus voluntary payroll deductions","C. Current pay-period thresholds","D. Ordinary-debt formula","E. Income-category matrix","A. Notice content and service","B. Written claim content","C. Timing matrix","D. Automatic cap versus claimed exemption","E. Scope of hearing","F. Constitutional background","A. Employer-service rules","B. Employer’s principal duties","C. No current statewide employer interrogatory form identified","D. Employer disputes or adverse claims","E. Employer liability and default","F. Potential employer defenses and factual issues","A. Montana rule","B. Federal rule","C. One debt versus multiple debts","D. Remedy hold","Example 1 — Weekly disposable earnings below the protected floor","Example 2 — Weekly disposable earnings in the intermediate band","Example 3 — Weekly disposable earnings above the crossover","Example 4 — Biweekly payroll","Example 5 — Semimonthly payroll","Example 6 — Monthly payroll","Example 7 — Required versus voluntary deductions","Example 8 — Multiple ordinary creditors","Example 9 — Employee supports three dependents","Example 10 — Worker classification unknown","Example 11 — Exemption request with missing service date","Example 12 — Retaliation after one debt and after a second debt","First indebtedness","Second distinct indebtedness","Example 13 — Continuing writ expires or judgment is satisfied","Example 14 — Correct cap math but disputed underlying balance","Example 15 — Traceable exempt wages after deposit","Freshly read","Arithmetic checks","Access-limited or unresolved sources","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-21","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"Independent ordinary wage-garnishment/earnings-exemption/procedure remaining component","pending_corrections":0},{"key":"s_mt--pass-22","task":"S_MT","title":"SMT Montana ordinary unsecured consumer-debt bank-account garnishment, deposit/benefit exemptions, and tracing","parent_title":"Montana debt and debt relief law","edition":"pass-22","path":"/research/s_mt--pass-22/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":13,"claims":65,"sources":22,"review_status":"P27P30_requested_correction_groups_resolved_with_explicit_limits_not_component_acceptance","review_complete":true,"sha256":"35fe068d1579eafa05b4c618f9de4933f4fdb2fbbe654ebc0831a95f5095ac64","headings":["I. Core determinations","II. Court, actor, and account-route matrix","III. Montana ordinary bank-levy workflow","IV. Montana exemption and tracing matrix","V. Joint accounts, beneficial ownership, and third-party claims","A. State ownership rule","B. Third-person ownership route","C. Part 212 treats co-ownership differently","VI. Federal Part 212 account-review matrix","VII. Federal-benefit source matrix","VIII. Debtor and third-party claim procedure","A. Judgment debtor’s exemption claim","B. Nondebtor owner’s claim","C. Bank or third-party adverse-interest dispute","IX. Bank duties, fees, safe harbors, and potential consequences","A. Bank’s principal duties","B. Fees","C. Safe harbor","D. Wrongful levy and delayed release","X. Material decisions","XI. Official forms and instructions","XII. Bounded worked examples","Example 1 — Ordinary unprotected deposit","Example 2 — Covered direct deposits and an excess balance","Example 3 — Social Security paper check","Example 4 — Transfer between accounts","Example 5 — Commingled deposited wages within 45 days","Example 6 — Joint account and nondebtor ownership","Example 7 — Part 212 joint account with both owners’ benefits","Example 8 — Notice of Right to Garnish Federal Benefits","Example 9 — Automatic amount below the full federal exemption","Example 10 — Debtor discovers notice but trigger is unknown","Example 11 — Successive levy and the same federal order","Example 12 — Bank fee and protected funds","Example 13 — Montana unemployment benefits mixed with other funds","Example 14 — HSA account","Example 15 — VA funds and a permanent investment","Example 16 — Pending payment order and levy-time balance","XIII. Source register","XIV. Claim register","XV. Coverage and remaining-gap table","XVI. Researcher self-check","Freshly read","Arithmetic checks","Access-limited or failed material","Bounded negative findings","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-22","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent bank garnishment/benefit exemptions and tracing component; launch only afterMT21complete/saved","pending_corrections":0},{"key":"s_mt--pass-23","task":"S_MT","title":"SMT Montana ordinary unsecured consumer-money-judgment nonwage, nonbank personal-property execution, exemptions, and debtor procedure","parent_title":"Montana debt and debt relief law","edition":"pass-23","path":"/research/s_mt--pass-23/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":58,"sources":18,"review_status":"four_bounded_procedure_proceeds_secured_source_groups_required","review_complete":true,"sha256":"dd4d66cb4d44314ac88cc4d0c6b69cc026983d93eb6811df08f244f3343f45a6","headings":["I. Core determinations","A. Current amount and category matrix","B. Exemption stacking rules","C. Residency, waiver, and creditor exceptions","A. Debtor’s “interest” means the owned economic interest","B. Secured-property procedure","C. Mixed personal and business use","A. Debtor notice","B. Debtor exemption request","C. Burden","D. Third-party owner","E. Exemption planning versus concealment","A. Sale notice and conduct","B. Sale defects and remedies","C. Costs","D. Proceeds","E. Writ return and satisfaction","Example 1 — Household-property basket and per-item limit","Separate one-gun branch","Example 2 — Vehicle with a prior lien","Example 3 — Tools with mixed personal and business use","If the laptop also qualifies as a tool of trade","If the laptop does not qualify as a trade tool","Example 4 — Missing notice and service dates","Example 5 — ATV and impermissible double classification","Example 6 — Co-owned property","Example 7 — Disputed tool-of-trade claim","If the court finds trade use","If the court rejects the trade classification","Example 8 — Secured vehicle sale and partial distribution","Example 9 — Residence entry","Example 10 — Traceable proceeds of exempt property","Example 11 — Writ return and partial satisfaction","Full-satisfaction branch","Freshly read","Numeric checks","Access limitations and bounded negative findings","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-23","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["judgment","levy"],"subject":["client-money","exemptions-property"]},"scope":"Independent nonwage nonbank personal-property execution/exemptions; onlyafterMT22complete/saved","pending_corrections":0},{"key":"s_mt--pass-24","task":"S_MT","title":"SMT Montana ordinary unsecured consumer-money-judgment real-estate execution and homestead","parent_title":"Montana debt and debt relief law","edition":"pass-24","path":"/research/s_mt--pass-24/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":68,"sources":20,"review_status":"three_bounded_procedure_redemption_source_render_groups_required","review_complete":true,"sha256":"53afe330a6c9226157c4024fc1e16afca4303b9d028f1fd55a8bb0f8c7d8e174","headings":["I. Core determinations","A. General seizure/exemption notice","B. General exemption request","C. Homestead-specific hearing","D. Burdens and evidence","E. Stay","Exact opinion locations","Example 1 — Ordinary nonhomestead parcel","Example 2 — Qualifying homestead below the 2026 cap","Example 3 — Equity above cap with a prior mortgage","Example 4 — Fifty-percent undivided interest","Example 5 — Spouse or co-owner interest unknown","Example 6 — Occupancy and abandonment disputed","Branch A — initial declaration while residing","Branch B — declaration first signed after permanent move","Branch C — property was sold, claimant vacated, and proceeds remain traceable","Example 7 — Missing notice and claim dates","Example 8 — Appraisal and divisibility disputed","Alternative report","Example 9 — Traceable proceeds after voluntary sale","Example 10 — Execution sale, redemption, and satisfaction","Freshly read","Numeric checks","Access and currentness limits","Bounded negative findings","Not read or resolved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-24","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["judgment","levy"],"subject":["client-money","exemptions-property"]},"scope":"Independent real-estate execution/homestead; only afterMT23complete/saved; no unreviewed prior findings as premises","pending_corrections":0},{"key":"s_mt--pass-26","task":"S_MT","title":"SMT Bounded precision and source corrections to","parent_title":"Montana debt and debt relief law","edition":"pass-26","path":"/research/s_mt--pass-26/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":16,"sources":17,"review_status":"three_P21_targeted_precision_groups_resolved_with_limits","review_complete":true,"sha256":"831ae37a19db001bedf347b478dd7f01e030407aa3ae8e8e7c679f24ce72476f","headings":["Effect on the original PASS-21","1(a). Replacement for P21 VI.A notice-content paragraph","Statutory officer notice","Affected original claims","1(b). Replacement for P21 C055 and related excess-proceeds language","Corrected P21 C055","1(c). Replacement for P21 VII.E and C054","Referee-order contempt only","Corrected P21 C054","1(d). Replacement qualification for C009, the route matrix, and Example 13","Outer writ-expiration qualification","Corrected P21 C009","Example 13 qualification only","Replacement for the two affected IV.C table labels","Diagnostic edge calculation 1 — semimonthly $628.33","Diagnostic edge calculation 2 — monthly $1,256.66","Rounding hold","Replacement for P21 S010","Replacement for P21 S012","Exact claimed OLRC URLs","Access and version qualification","Official dated GovInfo alternative","Replacement for P21 S013","Replacement for P21 S021","P21 S018 — In re Marriage of Winters","In re Marriage of Mease","CBI, Inc. v. McCrea","Dorwart and Buxbaum later treatment","Salminen v. Morrison & Frampton","Sniadach v. Family Finance Corp.","Freshly read in this bounded pass","Not freshly read successfully","Preserved without change"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-26","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedMT21 threeboundedoperational/formula/sourceprecisioncorrectiongroups; P25 independentpass stillprepared","pending_corrections":0},{"key":"s_mt--pass-27","task":"S_MT","title":"SMT Bounded precision and source corrections to","parent_title":"Montana debt and debt relief law","edition":"pass-27","path":"/research/s_mt--pass-27/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":22,"sources":15,"review_status":"P27P30_requested_correction_groups_resolved_with_explicit_limits_not_component_acceptance","review_complete":true,"sha256":"15bebc67e48a4b0d3d313fbc9133c89e7c2282d079f02cb11f62dbd297a2c8df","headings":["I. Effect on the original PASS-22","A. Exact replacement for PASS-22 core finding 5 and debtor-notice content","Montana officer notice after execution","Claim effect","B. Exact replacement for PASS-22 workflow row 17","Distribution after the statutory hold","Corrected workflow row","C. Exact replacement for PASS-22 core finding 13 and P22-C028","Six-month converted-property proceeds: two statutory branches","Unchanged neighboring rules","Corrected P22-C028","Corrected proceeds matrix row","A. Exact replacement for PASS-22 core finding 11 and exemption-matrix HSA row","Current HSA/MCSA/MSA exemption requires both current provisions to be read","Current application held","B. Controlling opinion qualification — In re Giacometto","C. Corrected P22-C025","D. Exact replacement for PASS-22 Example 14","Example 14 — HSA with contribution timing and debt type held","E. Corrected HSA coverage row","A. Replacement for PASS-22 S007","S_MT-P22-S007 — Montana exemptions and tracing","B. Replacement for PASS-22 S011","S_MT-P22-S011 — 31 CFR Part 212","Precise operational qualifications","C. Replacement for PASS-22 S021 and form inventory","Official landing pages","Direct form URLs","D. Added Dorwart source and bounded later treatment","Historical due-process source","Narrow later-treatment annotation","E. Dean, Salminen, Philpott, and Porter source annotations","1. Dean v. Hoepfner","2. Salminen v. Morrison & Frampton, PLLP","3. Philpott v. Essex County Welfare Board","4. Porter v. Aetna Casualty & Surety Co.","F. Federal benefit statute access annotation","G. Coverage-claim crosslink replacements","Limited-court sources","H. Example 6 percentage-label correction","Freshly read in PASS-27","Coordinator-reported dated reuse, not fresh PASS-27 reads","Failed or unread","Preserved unchanged"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-27","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedMT22 threeboundedoperative/HSAapplication/sourceprecisiongroups; MT25 stillprepared; afterMT26complete/saved","pending_corrections":0},{"key":"s_mt--pass-28","task":"S_MT","title":"SMT Bounded precision and completeness corrections to","parent_title":"Montana debt and debt relief law","edition":"pass-28","path":"/research/s_mt--pass-28/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":18,"sources":20,"review_status":"four_requested_P23_groups_resolved_with_limits","review_complete":true,"sha256":"c79da3b39fe2830034c0fcdf0d6c9cc3b7dbc915e231520796dd0d8eeeee9dc2","headings":["Replacement for PASS-23 VI.A","Debtor notice after execution","Notice claim-cell effect","Corrected coverage row","Replacement for PASS-23 core finding 30","Branch A — exempt property was sold","Branch B — exempt property was lost, damaged, or destroyed and the debtor was indemnified","Replacement for the proceeds matrix","Replacement for PASS-23 C042","Example 10","A. Replacement for PASS-23 core finding 22 and Section V.B","1. Prerequisite before taking secured property","2. Secured-party debt affidavit","3. Surrender and delivery after payoff","4. Distribution after sale","B. Workflow-stage replacements","Insert before original stage 7","Replace original stage 7 qualification","Replace original stage 17","C. Replacement claims C039–C041","D. Exact qualification to Example 8","E. Corrected secured-procedure coverage","A. Full literal URL replacement for original P23 S001","B. Full literal URL replacement for original P23 S003","C. Full literal URL replacement for original P23 S004","D. Full literal URL replacement for original P23 S006","E. Full literal URL replacement for original P23 S007","F. Full literal URL replacement for original P23 S011","A. Dorwart and Buxbaum","Replacement source annotation","B. In re Holzapfel","Narrow replacement for P23 C036","C. In re Maynard","D. Estate of Sandvig","E. Salminen","Replacement for P23 C037","Replacement for P23 C050","Corrected coverage labels","Freshly read in PASS-28","Locator restoration without substantive reread","Failed or unread","Preserved unchanged"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-28","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only MT23 four reviewed notice/proceeds/secured-procedure/source groups in originalMTchat after display usable; no running duplicate","pending_corrections":0},{"key":"s_mt--pass-29","task":"S_MT","title":"SMT Bounded procedure, redemption, and source/render corrections to","parent_title":"Montana debt and debt relief law","edition":"pass-29","path":"/research/s_mt--pass-29/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":16,"sources":21,"review_status":"two_Rule22_and_redemptioner_actor_qualifications_required","review_complete":true,"sha256":"91622f4c06357f9450ffe5ceb63c9fbfe7c7e8dbd818756c8b2fd012d96705c9","headings":["A. Replacement for PASS-24 core finding 23, Matrix V step 5, VII.C, C038, and Example 7","Service of the homestead appraisal petition","Service-method hold","Corrected P24-C038","B. Replacement for PASS-24 core finding 24, C043, Matrix V step 10C, and Example 8","Example 8 correction","C. Replacement for PASS-24 core finding 37 and the proceeds row","Route 1 — money paid after a homestead execution sale","Route 2 — other traceable homestead proceeds","D. Replacement for PASS-24 core finding 35 and the stay discussion","Rule 22 stay versus waiver of security","A. Absolute-sale exception","B. Basic and successive redemption periods","Basic one-year period","Successive redemptioners","C. Notice of taxes, assessments, and additional liens","D. Sheriff’s deed timing","E. Rents and profits — exact accounting extensions","P29-S011 — Homestead establishment provisions","P29-S012 — Homestead appraisal and execution provisions","P29-S013 — General execution-sale provisions","P29-S014 — Redemption provisions","Freshly read in PASS-29","Fresh PDF visual checks","Failed or not freshly read","Preserved limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-29","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"Only MT24 three reviewed procedure/redemption/source-render groups; originalMTchat only when usable and idle","pending_corrections":0},{"key":"s_mt--pass-30","task":"S_MT","title":"SMT Bounded provenance, mail-method, claim-mapping, and display corrections to","parent_title":"Montana debt and debt relief law","edition":"pass-30","path":"/research/s_mt--pass-30/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":8,"sources":7,"review_status":"all_five_requested_annotations_resolved_with_limits_no_component_acceptance","review_complete":true,"sha256":"ec6f23d2f8f7b3239d843e615998b7a11a86865f2c441bc403deaa5ed4b1be2f","headings":["I. Effect on original PASS-27","Montana notification of seizure — §25-13-211","Unchanged §25-13-212 conditions","HSA — Example 14","Joint account — Example 6","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MT/pass-30","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"OnlyMT27smallreviewstatus/mailmethod/exactclaimmapping/mathrender/provenanceannotation;afterMT29wholesaved","pending_corrections":0},{"key":"s_ne--pass-01","task":"S_NE","title":"SNE Nebraska provider market access and consumer fees","parent_title":"Nebraska debt and debt relief law","edition":"pass-01","path":"/research/s_ne--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":34,"sources":17,"review_status":"revise","review_complete":true,"sha256":"abd8a1df2dadf00a73bb3d0276d24159e421ae209f3305ce405a83f8de4ec658","headings":["Executive determination","Model disposition matrix","1. Definitions and classification","1.1 Nebraska “debt management”","1.2 DMP and concession services","1.3 Principal-reduction settlement","1.4 Noncustodial negotiation-only service","1.5 Conditional Credit Services Organization Act overlap","1.6 Consumer versus business purpose","1.7 Nebraska resident and remote-provider nexus","2. Prohibited, licensed, registered, or exempt models","2.1 Covered debt management is licensed—not merely registered","2.2 Chapter 69 exemptions","2.3 Credit-services registration and bond","2.4 CSO exemptions","2.5 Money-transmission crossover","3. Applicable consumer fees and present limits","3.1 Licensed Chapter 69 debt-management fees","3.2 Statutory base—not “enrolled debt”","3.3 No verified indexing or adjusted amounts","3.4 Nebraska CSO fees","3.5 Nebraska CSO cancellation refund","4. When fees may be requested or received","4.1 Nebraska Chapter 69 timing","4.2 Federal TSR debt-relief timing—separate common context","4.3 Federal dedicated accounts","4.4 Separate TSR credit-repair timing","4.5 Federal CROA overlap","5. Actual regulator access, application, and lookup","5.1 Debt-management regulator and procedure","5.2 Debt-management public roster","5.3 CSO regulator and lookup","5.4 Rules and guidance status","6. Worked fee and boundary examples","Example 1 — Standard 12-month licensed custodial DMP","Example 2 — Lower balance where $25 exceeds nominal monthly amortization","Example 3 — Cancellation after four lawfully applied monthly fees","Example 4 — Individually settled debt under the TSR proportional method, with Nebraska monthly cap","Example 5 — Noncustodial 25%-of-enrolled-debt proposal","Example 6 — Nebraska CSO plus federal CROA","Example 7 — CSO obtaining a Nebraska Installment Loan and Sales Act loan","Exact next investigations","Actually opened and read","Discovery/search-rendered or limited-access material","Not read or not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-01","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","provider-licensing"]},"scope":"FreshNebraskaprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_ne--pass-02","task":"S_NE","title":"SNE focused precision correction and current Title 433 evidence","parent_title":"Nebraska debt and debt relief law","edition":"pass-02","path":"/research/s_ne--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":8,"sources":12,"review_status":"accepted_with_limits","review_complete":true,"sha256":"41e0035c9b29f3bb9c5189e16ad0abe30b8a72c90c0041aa3c8dbd7a76ad439c","headings":["A. Federal wording replacements","A1. Replacement for PASS-01 §4.4 and old claim S_NE-P1-C026","A2. Replacement for old claim S_NE-P1-C024","A3. Dedicated-account language relevant to cancellation","B. Focused Example 3 and Example 4 qualifications","B1. Example 3 — cancellation qualification only","B2. Example 4 — conservative initial-payment branch","C. Current Title 433 evidence determination","C1. Narrow result","C2. Current evidentiary conclusion","D. Focused Title 433 source/version/status matrix","E. Focused source register","F. Focused replacement claim register","G. Focused coverage and gap table","H. Researcher self-check","Freshly read in PASS-02","Supplied or same-coordinator evidence expressly reused","Search-only, inaccessible, or not substantively read","Not performed or claimed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-02","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederaltimingprecision/E03cancellationandE04initial-exceptionqualification/remainingofficialcurrentTitle433evidence;nofullstatereport/examplesrerun","pending_corrections":0},{"key":"s_ne--pass-03","task":"S_NE","title":"Nebraska: dedicated-account wording and source-scope corrections","parent_title":"Nebraska debt and debt relief law","edition":"pass-03","path":"/research/s_ne--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"8a1b9b5eb8966b63253cd9b5a0939651c36252d736cd1390af364e6c8ae10d1e","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-03","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"OnlyP2A3/C003/coverage/B1necessarywithdrawalobjectcorrection: debt relief SERVICE, not account; preserve all conditions/examples/rulegaps.","pending_corrections":0},{"key":"s_ne--pass-04","task":"S_NE","title":"SNE Nebraska consumer-money custody, account, and return architecture","parent_title":"Nebraska debt and debt relief law","edition":"pass-04","path":"/research/s_ne--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":34,"sources":10,"review_status":"accepted_with_limits_checked_core_partial_component","review_complete":true,"sha256":"65a023d5bd8701a41e19fde4b5bbd7c0b5ede767ac1cea1567437814a3cbd445","headings":["Executive determination","1. Chapter 69 custody entry point and model classification","1.1 Operative entry point","1.2 Indirect receipt and control","1.3 Consumer-owned designated accounts","1.4 Scheduled creditor distributions","1.5 Genuinely noncustodial negotiation","2. Account institution, segregation, deposit, remittance, fees, interest, and shortages","2.1 What Nebraska affirmatively requires","2.2 Institution and location","2.3 Account title, ownership, and beneficial interest","2.4 Deposit deadline","2.5 Creditor-remittance deadlines","2.6 Provider-fee withdrawals","2.7 Interest","2.8 Reserves, shortages, bank charges, and reversals","2.9 FDIC recognition is a separate federal inquiry","2.10 Bankruptcy priority remains held","3. Ledgers, reconciliation, statements, examinations, and cessation records","3.1 General books and records","3.2 Debtor-level records","3.3 Consumer statements and access","3.4 Regulator examination","3.5 Cessation and insolvency","4. Cancellation, failed plans, rejected proposals, and returns","4.1 Separate the four amounts","4.2 Nebraska return architecture","4.3 Cancellation compensation versus principal","4.4 Failed enrollment or ineffective contract","4.5 Rejected creditor proposal","4.6 Provider termination or closure","4.7 Federal seven-business-day return is not a Nebraska rule","5. Nebraska money-transmission gateway for administrators and processors","5.1 Basic definition and Nebraska nexus","5.2 In-scope Chapter 69 exemption","5.3 Potential independent administrator pathways","5.4 Authorized-delegate funds","5.5 Money-transmitter records and reconciliation","5.6 Forwarding and refunds","5.7 Receipts","5.8 Insolvency protections in the money-transmitter branch","6. Reconciliation with the conditional federal dedicated-account overlay","Common assumptions","Ledger 1 — Licensed custodial DMP, no established fee","Ledger 2 — Fee withdrawal only after explicit predicates","Ledger 3 — Reasonable accumulation to a sum certain","Ledger 4 — ACH reversal after a completed creditor payment","Ledger 5 — Consumer-owned account with unresolved Nebraska classification","Nebraska result","Conditional federal result","Ledger 6 — Independent licensed money transmitter refund","Ledger 7 — Authorized delegate commingling rule","Freshly read in PASS-04","Explicitly reused rather than independently reread as a separate review","Not authenticated or not read","Actions not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-04","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Exactreviewed remaining Nebraska funds/account/custody/administrator/return component; P3servicewithdrawalprecision andcurrentTitle433/fee/provider/broaderholds retained.","pending_corrections":0},{"key":"s_ne--pass-05","task":"S_NE","title":"SNE Nebraska bond, insurance, and alternative-security component","parent_title":"Nebraska debt and debt relief law","edition":"pass-05","path":"/research/s_ne--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":49,"sources":18,"review_status":"accepted_with_limits_for_checked_core_remaining_security_gaps","review_complete":true,"sha256":"c760ce496b674710b90223141a6f78eba470826fcb5330bfa711012f1cceb1d3","headings":["Executive determination","1. Operative security requirements by model","1.1 Licensed custodial debt management","1.2 Office-specific character","1.3 DMP employees and agents","1.4 Financial responsibility is separate from the bond","1.5 Noncustodial settlement and counseling","1.6 Credit-services organizations","1.7 Hybrid DMP/CSO model","2. Model-security matrix","3. Amounts, formulas, alternatives, and separate financial requirements","3.1 Amount and adjustment matrix","3.2 DMP government fees are not security and not consumer fees","3.3 CSO filing fee is not security","3.4 No verified insurance substitute","3.5 CSO surety-account alternative","3.6 Money-transmitter net worth and investments are cumulative, not alternatives","4. Official forms, versions, and legal status","4.1 DMP bond form","4.2 DMP financial statement and application","4.3 CSO bond form","4.4 CSO registration form","4.5 Money-transmitter electronic bonds","5. Effective coverage, cancellation, nonrenewal, replacement, and release","5.1 DMP bond lifecycle","5.2 CSO security lifecycle","5.3 Money-transmitter bond lifecycle","5.4 Letter-of-credit nonextension","6. Claimants, covered losses, actions, caps, and limitations","6.1 DMP bond claims","Covered obligation","Claimant and office scope","Aggregate cap","Limitations","6.2 CSO claims","Covered violation and claimant language","Damages","Defendants and joinder","Aggregate cap and excess principal liability","Limitations and tail","Injunctions, deceptive-practice remedies, and criminal penalties","6.3 Money-transmitter claims","Example 1 — DMP office aggregate","Example 2 — DMP bond cancellation and replacement","Example 3 — DMP financial statement is not a bond formula","Example 4 — CSO multiple awards against one aggregate","Example 5 — CSO statutory damages floor","Example 6 — CSO cessation tail and unresolved replenishment","Example 7 — CSO two-year tail versus four-year action limit","Example 8 — Current money-transmitter bond formula","Scenario A","Scenario B","Scenario C","Example 9 — Money-transmitter net worth is additional security","Example 10 — Bond versus permissible investments","Freshly read in PASS-05","Reused only as attributed prior history","Not authenticated or not read","Actions not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-05","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["provider-security"]},"scope":"ExactreviewedP1remaining bond/insurance/security gap independent of unreviewedfunds; broaderholdsretain","pending_corrections":0},{"key":"s_ne--pass-06","task":"S_NE","title":"SNE Nebraska mandatory agreement, disclosure, and execution component","parent_title":"Nebraska debt and debt relief law","edition":"pass-06","path":"/research/s_ne--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":57,"sources":13,"review_status":"accepted_with_limits_checked_core_two_bounded_followups_resolved","review_complete":true,"sha256":"4d2d4b96d0e7ac68d8a33c03f9977b90cc16f9b4af57ea4dcf035ce2aca148f4","headings":["Executive determination","B1. Pre-acceptance suitability","B2. Mandatory DMP contract clauses","B3. Signature and assent","B4. Immediate true copy","B5. Contract effectiveness","B6. Regulator filing of the blank form","B7. Assignment and provider changes","C1. Precontract disclosure timing","C2. State disclosure contents","C3. The stale 30-day FCRA wording","C4. Mandatory CSO contract terms","C5. State cancellation sequence","C6. Waiver and releases","C7. Amendments, debt changes, and assignment","E1. Nebraska UETA conditions","E2. Federal E-SIGN consumer consent","E3. What an electronic workflow must preserve","E4. Electronic CSO cancellation forms","E5. Email or portal cancellation","F1. Nebraska arbitration notice","F2. FAA preemption","F3. CROA arbitration","F4. Nebraska CSO nonwaiver boundary","Example 1 — Paper Chapter 69 enrollment workflow","Example 2 — Blank creditor fields at signature","Example 3 — Adding a debt after enrollment","Example 4 — Nebraska CSO state cancellation without calendar assumptions","Example 5 — Nebraska CSO plus federal CROA","Example 6 — Electronic CSO execution with retainable records","Example 7 — Portal display that blocks saving","Example 8 — Cancellation email sent before midnight","Example 9 — Stale Nebraska/FCRA disclosure template","Example 10 — Standardized sole-remedy arbitration clause","Freshly read in PASS-06","Reused only as attributed prior history","Failed, limited, or unresolved routes","Not read or not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-06","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP1remaining mandatoryagreement/disclosure/execution gap independentofunreviewedfunds/security","pending_corrections":0},{"key":"s_ne--pass-07","task":"S_NE","title":"SNE Nebraska provider enforcement, private remedies, and remedy-specific limitation conditions","parent_title":"Nebraska debt and debt relief law","edition":"pass-07","path":"/research/s_ne--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":52,"sources":17,"review_status":"reviewed_wording_corrections_addressed_source_hold_remains","review_complete":true,"sha256":"b2fb2da11464838d4a48388b8b9e013b7672c6a8898e9f2500e48e7db99b981f","headings":["Focused determination","B1. Licensing discipline","B2. Examination and investigation","B3. Criminal provision","B4. No express Chapter 69 consumer damages formula","B5. Implied private action remains unresolved","B6. Two-year Chapter 69 limitation","B7. Administrative review","C1. Coverage remains conditional","C2. Express private damages","C3. Injunction","C4. Contract breach and waiver","C5. UDTPA incorporation","C6. Security boundary","C7. Criminal and cumulative remedies","C8. Four-year contract-execution period","D1. Private standing and public interest","D2. Private remedy measure","D3. Attorney General enforcement","D4. Assurances and adjudicative effect","D5. Regulatory exclusion","D6. NCPA limitation and tolling","E1. Private prospective injunction","E2. Induced sale or lease","E3. Attorney General powers","E4. Penalties","E5. Four-year purchase trigger","E6. Seven-day Attorney General notice","E7. Jury demand","F1. TSR does not create an ordinary small private claim","F2. CROA","F3. CFPA","G1. Secretary of State","G2. Attorney General complaint and CART process","G3. Materially controlling cases read","G4. Provider-specific search result","Example 1 — Chapter 69 licensing discipline versus consumer recovery","Example 2 — Two-year clause does not create a claim","Example 3 — CSO statutory damages floor","Example 4 — NCPA private claim with discretionary increase","Example 5 — NCPA Attorney General civil-penalty units","Example 6 — Past UDTPA loss without likely future harm","Example 7 — CSO violation and UDTPA overlap","Example 8 — Contract-execution versus accrual clocks","Example 9 — APA review after license suspension","Example 10 — Noncustodial classification ambiguity","Freshly read in PASS-07","Reused only as attributed prior history","Not treated as reviewed premises","Failed, limited, or unresolved evidence","Actions not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-07","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["provider-remedies","limitations-revival"]},"scope":"Exact reviewed P1 deferred provider-remedies/enforcement gap; independent of unreviewed P4/P5/P6.","pending_corrections":0},{"key":"s_ne--pass-08","task":"S_NE","title":"SNE Nebraska collection-agency and debt-buyer licensing; original-creditor versus third-party coverage; state-specific collection conduct","parent_title":"Nebraska debt and debt relief law","edition":"pass-08","path":"/research/s_ne--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":55,"sources":23,"review_status":"eight_bounded_source_claim_and_statutory_qualification_findings_pending_UNSENT","review_complete":true,"sha256":"c4ed07f34893d37ddefaaffbab39068bc225ef4016f06e1e7b9a944b98be83eb","headings":["Focused determination","A1. Core state definition","Commercial versus consumer claims","One-client edge","A2. Model-by-license and exemption matrix","A3. Out-of-state and remote nexus","B1. Regulator and current filing route","B2. Applicant qualifications","B3. Office, branch, and solicitor requirements","B4. Entry amounts and collector-specific security","B5. Renewal-date conflict","B6. License changes and termination","B7. Recordkeeping","B8. Public verification and complaints","B9. Consumer-facing license information","C1. General Collection Agency Act conduct layer","C2. State-conduct matrix","C3. Installment-loan collection restrictions","Third-party contacts","Written cease-contact instruction","Prohibited methods","C4. Workers’ compensation medical debt","C5. Assault- and abuse-related medical bills","C6. Public debts","C7. NCPA boundary","D1. State versus federal coverage","D2. Debt buyers","Henson","Reygadas","D3. Attorneys","D4. Security-interest enforcement","D5. Material federal communications rules","Example 1 — Original creditor versus false-name collection","Facts A","Facts B","Example 2 — Commercial accounts","Example 3 — Debt buyer and separate servicer","Example 4 — Passive buyer classification hold","Example 5 — Remote agency","Scenario A","Scenario B","Example 6 — Attorney model","Facts A","Facts B","Example 7 — Installment-loan workplace and cease instruction","Example 8 — False arrest threat and unauthorized fee","Example 9 — Public criminal-court debt fee","Debt of $600","Debt of $400","Example 10 — Workers’ compensation medical debt","Example 11 — Electronic contact","Example 12 — Eight calls in seven days","Freshly read in PASS-08","Fresh access failures and limitations","Not read or not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-08","facets":{"geography":["us","us-ne"],"debt_type":["unknown"],"stage":["collection"],"subject":["definitions-classification","provider-licensing"]},"scope":"Distinct required registry dimension2: collector licensing/model coverage and state-specific conduct only; detailed validation/reporting/litigation/remedies later.","pending_corrections":8},{"key":"s_ne--pass-09","task":"S_NE","title":"SNE Nebraska prelitigation debt validation, disputes, and consumer access to account documentation","parent_title":"Nebraska debt and debt relief law","edition":"pass-09","path":"/research/s_ne--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":60,"sources":13,"review_status":"three_bounded_scope_response_and_crosswalk_corrections_pending_UNSENT","review_complete":true,"sha256":"92e67745bcb0a77b9349625604154e6c91a71249b05241ee474ee2f99808c4de","headings":["Executive determination","B1. Necessary scope gateway","B2. State records retained by collection agencies","B3. Bounded “no general counterpart verified” conclusion","C1. Licensed installment loans","Covered actor and transaction","Written account-statement and document request","Payoff request","C2. Retail installment contracts","C3. Revolving charge agreements","C4. UCC §9-210 secured-obligation requests","C5. Residential mortgage servicing","C6. Public debt before agency placement","D1. Coverage comes first","D2. Initial validation information","D3. Validation period and assumed receipt","D4. Oral dispute versus written dispute","D5. Original-creditor request","D6. Written and electronic submissions","D7. Duplicative disputes","D8. Delivery and electronic validation","D9. Model Form B-1","D10. Failure to dispute","F1. Records legally required to be retained","F2. Evidence legally required to be furnished","H1. Dunham v. Portfolio Recovery Associates, LLC","H2. Henson v. Santander Consumer USA Inc.","H3. Reygadas v. DNF Associates, LLC","H4. Negative and unavailable authority limits","Example 1 — Original creditor versus covered third-party collector","Facts A: original creditor","Facts B: third-party collector","Example 2 — Timely oral dispute","Example 3 — Timely written partial dispute","Example 4 — Late written dispute","Example 5 — Original-creditor information request","Example 6 — Federal verification versus Nebraska loan documents","Example 7 — Successor collector","Example 8 — Electronic dispute","Accepted medium","Unaccepted medium","Example 9 — Regulation F itemization arithmetic","Example 10 — Nebraska installment-loan copies and payoff","Example 11 — UCC accounting requests","First request in six months","Second request in same six-month period","Example 12 — Former secured party","Example 13 — Mortgage payoff","Example 14 — Public-debt placement notice","Example 15 — Retail installment holder","Freshly read in PASS-09","P8 treatment","Bounded negative searches","Not read or performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-09","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["collection","lawsuit"],"subject":["validation-disputes"]},"scope":"Distinct expressly deferred prelitigation validation/dispute/account-documentation component; P8unreviewed not accepted; creditreporting/litigation/remedies later.","pending_corrections":3},{"key":"s_ne--pass-10","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt credit reporting, furnishing, and dispute overlays","parent_title":"Nebraska debt and debt relief law","edition":"pass-10","path":"/research/s_ne--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":60,"sources":14,"review_status":"four_bounded_accuracy_statement_locator_and_expedited_exception_corrections_pending_UNSENT","review_complete":true,"sha256":"6db8093c0266602092310fcc6a06a090035de31750d5679b8fa8ef819e1bd447","headings":["Executive determination","B1. Consumer-file access under §20-149","Charge and format limits","B2. Nebraska Credit Report Protection Act","Federal preemption of overlapping freeze rules","What a freeze does not do","B3. Nebraska installment-loan false-reporting restriction","B4. No general Nebraska furnisher-dispute statute verified","B5. Historical Nebraska CRA settlement","C1. Federal file disclosure","C2. CRA dispute trigger and timing","C3. Furnisher notification","C4. Frivolous or irrelevant CRA dispute","C5. Correction, deletion, and unverifiable information","C6. Reinserted information","C7. Results and procedure description","C8. Consumer dispute statement and prior recipients","C9. Reseller disputes","D1. General accuracy and correction duties","D2. Disputed-status furnishing","D3. Voluntary account closure","D4. Date of first delinquency","D5. Financial-institution negative-information notice","D6. Regulation V direct dispute","Proper address and submission content","Direct-dispute exclusions","Furnisher response","D7. Frivolous or irrelevant direct dispute","D8. CRA-routed furnisher dispute","D9. Furnisher policies and transfer controls","D10. Enforcement boundary","F1. Ordinary collection and charge-off period","F2. Limited high-value exceptions","F3. Payment and settlement","F4. Disputed status","F5. Purchased, assigned, or serviced accounts","F6. Owner and original-creditor identification","H1. Johnson v. Freedom Mortgage Corp. — Eighth Circuit, 2026","H2. Anderson v. EMC Mortgage Corp. — Eighth Circuit, 2011","H3. Lloyd v. FedLoan Servicing — Eighth Circuit, 2024","H4. No controlling Nebraska appellate ordinary-debt reporting decision located","H5. Current CFPB preemption interpretation","H6. Medical-debt rule status boundary","Example 1 — CRA dispute, direct furnisher dispute, and FDCPA validation","Hypothetical account","CRA route","Direct furnisher route","FDCPA validation route","Example 2 — Standard CRA reinvestigation timeline","Example 3 — Direct dispute deemed incomplete","Example 4 — Paid settlement versus deletion","Example 5 — Sale does not reset reporting clock","Example 6 — Original creditor and debt-buyer tradelines","Example 7 — CRA deletion and reinsertion","Example 8 — Direct dispute finds wrong balance","Example 9 — CRA-routed dispute with limited notice","Example 10 — Consumer statement and notification to prior users","Example 11 — Nebraska file-copy request","Example 12 — Security freeze and existing collection","Example 13 — Financial-institution negative-information notice"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-10","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Distinct ordinary consumer-debt reporting/furnishing/CRA-directdispute overlay fromregistryitem2; P8/P9unreviewed no premise; sectors/identitytheft/fullremedies later.","pending_corrections":4},{"key":"s_ne--pass-11","task":"S_NE","title":"SNE Nebraska ordinary unsecured consumer-debt limitation, accrual, choice of law, tolling, and revival","parent_title":"Nebraska debt and debt relief law","edition":"pass-11","path":"/research/s_ne--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":54,"sources":34,"review_status":"four_bounded_calendar_service_age_and_locator_corrections_pending_UNSENT","review_complete":true,"sha256":"2549fa7a24171f51ac54954773f0bf20e5aeab01e78c3e291849ebecac01c0c0","headings":["Executive determination","B1. Written contract—five years","B2. Oral, implied, or materially parol-dependent agreement—four years","B3. Continuous running or open account","B4. Account stated","B5. No categorical Nebraska “credit-card period”","D1. Installment-by-installment accrual","D2. Optional acceleration requires affirmative election","D3. “Automatic” acceleration clause","D4. Deacceleration, reinstatement, and waiver","E1. Statutory rule","E2. Payment conditions","E3. Before versus after the original period","E4. Written acknowledgment","E5. Electronic acknowledgment or promise","E6. Settlement discussions","E7. Payment by agent, spouse, joint obligor, or third party","F1. No restart from transfer alone","F2. Buyer cannot choose a new period by pleading label alone","F3. Transfer plus new agreement","G1. Instrument status is not a label","G2. Article 3 periods","Service consequence","Example 2 — oral contract","Example 3 — partly written agreement","Example 4 — installment-by-installment written obligation","Example 5 — supported acceleration","Example 6 — open account and unilateral credit","Example 7 — account stated remains fact-dependent","Example 8 — qualifying voluntary payment before expiration","Example 9 — qualifying payment after original bar","Example 10 — disputed settlement email","Example 11 — electronic acknowledgment","Example 12 — transfer without new promise","Example 13 — definite-time negotiable note","Example 14 — demand note","Demand made","No demand","Example 15 — cross-border contract","Example 16 — bankruptcy stay","Example 17 — time-barred nonlitigation collection","Freshly read in PASS-11","Numerical and calendar self-check","Prior-pass treatment","Bounded negative or incomplete searches","Sources not fully authenticated","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-11","facets":{"geography":["us","us-ne"],"debt_type":["unknown"],"stage":["judgment"],"subject":["definitions-classification","limitations-revival","judgments-duration"]},"scope":"Distinct ordinary unsecured consumer-debt limitation/accrual/choice/tolling/revival item3 component; sectors/judgments/fullprocedure later","pending_corrections":4},{"key":"s_ne--pass-12","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt civil case entry, venue, service, response, default, and bounded vacatur","parent_title":"Nebraska debt and debt relief law","edition":"pass-12","path":"/research/s_ne--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":54,"sources":23,"review_status":"four_bounded_corrections_pending_UNSENT_all_other_holds_retained","review_complete":true,"sha256":"23e6d01effe019d3eaea1a8b5b32b7d5678c608d72746551d733bac52d1918ff","headings":["Executive determination","A1. Small Claims Court eligibility","A2. Regular civil real-party and assignment rules","A3. Entity representation","A4. Nebraska venue","A5. FDCPA venue overlay","A6. Personal jurisdiction and out-of-state defendants","A7. Current court fees and fee waiver","B1. Filing commences the action","B2. Service within 180 days","C1. Who may serve process","C2. Personal and residence service","C3. Certified mail and designated delivery","C4. Corporate service","C5. Minors and protected persons","C6. Substitute service","C7. Publication","C8. Out-of-state service","C9. Voluntary appearance and waiver","C10. Email, text, and electronic filing","D1. Regular county and district answer deadline","D2. Rule 12 motions","D3. Extension of a rule deadline","D4. Filing and serving the answer","D5. Small Claims Court response","E1. Basic counting rule","E2. Additional three days after mail","E3. Electronic filing cutoff and timezone","E4. Electronic-system failure","F1. Missing a deadline does not itself create judgment","F2. Proof of claim and amount","F3. Appearance and notice branch","F4. Servicemember protection","F5. Minors and protected defendants","F6. Default compared with other dispositions","G1. Vacatur branch matrix","G2. Void judgment for defective service","G3. Same-term discretionary relief","G4. Six-month motion","G5. After-term statutory grounds","G6. County and Small Claims Court","G7. General appearance risk in a service challenge","Example 1 — Personal service and regular answer","Example 2 — Certified-mail service","Example 3 — Filing and 180-day service","Example 4 — Timely Rule 12 motion","Example 5 — Negotiation without court response","Example 6 — Attempted initial email service","Example 7 — Court-authorized substitute service","Example 8 — Publication","Example 9 — Small Claims Court","Example 10 — Default motion after no answer","Example 11 — Defective service and void judgment","Example 12 — Valid service but discretionary default relief","Example 13 — Small-claims default","Example 14 — Broad vacatur motion and general appearance","Freshly read in PASS-12","Prior-pass treatment","Numerical and calendar self-check","Bounded negative and unresolved searches"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-12","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service"]},"scope":"Distinct ordinary collection civil-entry/venue/service/answer/default/vacatur registryitem4 component; evidence/postjudgment/sector dossierlater","pending_corrections":4},{"key":"s_ne--pass-13","task":"S_NE","title":"SNE bounded source and electronic-law patch","parent_title":"Nebraska debt and debt relief law","edition":"pass-13","path":"/research/s_ne--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":2,"claims":0,"sources":4,"review_status":"accepted_with_limits_two_bounded_P6_followups_resolved_current_CROA_metadata_held","review_complete":true,"sha256":"56db8a490a90a415ed508aa99e45f3edbb0edcf04218e8e7d560eac6117c7c82","headings":["GROUP 1 — corrected source cells and literal URLs","GROUP 2 — E-SIGN/UETA relationship correction"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-13","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"P6S003/S005completevisibleliteralURLs; qualifiedE2/7002state-federalrelationship/7001(c)(3), actualversionbounds only","pending_corrections":0},{"key":"s_ne--pass-14","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt lawsuit standing, assignment chain, debt proof, account records, and evidence","parent_title":"Nebraska debt and debt relief law","edition":"pass-14","path":"/research/s_ne--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":57,"sources":20,"review_status":"revise","review_complete":true,"sha256":"fe9b7c618ced65417597d3d05f68f28a9f3abe87f8a902e6b0bf94afe1c843f3","headings":["Executive determination","B1. Real-party requirement and cure","B2. Written assignment and the specific account","B3. Competent evidence—not merely material in the court file","B4. Timing of assignment evidence","B5. Transfer during litigation","B6. Debtor challenges to assignment","B7. Notice and proof of assignment under UCC §9-406","B8. Servicers, trustees, and agents","B9. Capacity and authority pleading","B10. Entity representation","C1. Ordinary complaint","C2. Verification and affidavits at filing","C3. Attached written instruments","C4. No universal wet-ink contract requirement","C5. Claim-specific pleading and proof matrix","D1. Contract formation and assent","D2. Account identity","D3. Principal, interest, fees, payments, and credits","D4. Account stated","D5. Admissions, stipulations, and default","E1. Authentication","E2. Personal knowledge","E3. Party statements","E4. Originating business records—§27-803(6)(a)","E5. Integrated third-party records—§27-803(6)(b)","Stronger foundation","Weak or incomplete foundation","E6. Controlling integrated-record cases","E7. Multiple hearsay","Inadequate or incomplete form in principle","F3. Late assignment evidence","F4. Admissions and uncontested facts","G1. Discovery scope","G2. Account-focused document requests","G3. Interrogatories","G4. Requests for admission","G5. Organization depositions","G6. Nonparty subpoenas","G7. Supplementation","G8. Discovery does not suspend other obligations","G9. Motions to compel and sanctions","Example 2 — Generic bill of sale with account-link gap","Example 3 — Complete multi-transfer chain","Example 4 — Servicer using adopted originating-creditor records","Example 5 — Conclusory affidavit without foundation","Example 6 — Admissible ledger but unresolved merits","Example 7 — Payment and credit omission","Example 8 — Account stated versus ordinary account","Example 9 — Lost ordinary contract","Example 10 — Lost negotiable note","Example 11 — Request for production versus answer deadline","Example 12 — Request for admission on document genuineness","Example 13 — Missing discovery and sanctions","Example 14 — Admissibility versus weight","Example 15 — Small Claims Court distinction","Original creditor","Debt buyer","Freshly read in PASS-14","Prior-pass treatment"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-14","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["lawsuit"],"subject":["ownership-transfer","proof-evidence"]},"scope":"Ordinary Nebraska standing/realparty/assignmentchain/account-instrumentproof/authentication/hearsay/necessarydiscovery evidencecomponent","pending_corrections":4},{"key":"s_ne--pass-15","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt arbitration, delegation, judicial gateway, and related waiver","parent_title":"Nebraska debt and debt relief law","edition":"pass-15","path":"/research/s_ne--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":62,"sources":30,"review_status":"revise","review_complete":true,"sha256":"cea918eb61b9428a1da3d342f53631506785d8b775ef656ae6e9a5f1296e14ed","headings":["Executive determination","B1. Nebraska Uniform Arbitration Act","B2. Nebraska’s special arbitration warning","B3. Federal Arbitration Act","B4. Choice of law","D1. Written does not necessarily mean wet ink","D2. Incorporation by reference","D3. Institutional rules as delegation","D4. Assignment and debt buyers","D5. Servicers and agents","D6. Nonsignatory doctrines","D7. Conflicting agreements","E1. Application and service","E2. Pending action","E3. Stay","E4. Summary determination of formation","E5. Merits not decided at gateway","E6. Arbitrator appointment and limited procedural rights","F1. Independent federal jurisdiction","F2. Federal stay","F3. Federal appeal","H1. Generally applicable defenses","H2. Separability and specificity","H3. Unconscionability and consumer costs","H4. Statutory rights and CROA","H5. Class arbitration versus class-action waiver","H6. Jury waiver","I1. Arbitration is not self-executing","I2. Litigation-conduct waiver","I3. Claim-by-claim waiver","I4. Participation in arbitration","I5. Private-rule waiver","I6. Nonpayment","J1. AAA Consumer Arbitration Rules","J2. JAMS","K1. Nebraska","K2. Federal","Example 1 — Contested formation","Example 2 — Debt buyer with account-link gap","Example 3 — Complete assignment and operative clause","Example 4 — Specific delegation challenge versus whole-contract challenge","Specific delegation challenge","Whole-contract challenge","Example 5 — Pending Nebraska lawsuit, compel motion, no stay yet","Example 6 — County-court debt suit","Example 7 — Rules incorporated, version uncertain","Example 8 — Conflicting contracts","Example 9 — Litigation-conduct waiver","Example 10 — Early preservation rather than waiver","Example 11 — Participation in arbitration without objection","Preserved branch","Example 12 — Current JAMS consumer-cost policy","Example 13 — Administrator nonpayment","Example 14 — CROA statutory-remedy claim","Example 15 — Small-claims carveout","Example 16 — Class arbitration ambiguity","Freshly read in PASS-15","Explicit bounded reuse","Bounded negative or unresolved searches","Currentness and status"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-15","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["arbitration-adr"]},"scope":"Ordinary Nebraska arbitration/delegation/gateway/courtstay/waiver and necessary statutory-preemption component","pending_corrections":5},{"key":"s_ne--pass-16","task":"S_NE","title":"SNE bounded correction of five provider-remedy groups","parent_title":"Nebraska debt and debt relief law","edition":"pass-16","path":"/research/s_ne--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":8,"sources":17,"review_status":"four_groups_resolved_with_limits_one_source_verification_hold","review_complete":true,"sha256":"b89fb978d1559004c9fe342ed2db5ab6af3c7388c5ced8694c26eeb19b73ded0","headings":["1. Five-group disposition","A. Replacement for PASS-07 §D2 and claim S_NE-P7-C023","Replacement substantive paragraph","Replacement claim","B. Replacement PASS-07 Example 4","Example 4 — NCPA actual damages with discretionary-increase amount held","A. Replacement for PASS-07 §B5 narrative","B. Replacement/qualification of S_NE-P7-C010","Replacement for PASS-07 §E6, limitation matrix, and S_NE-P7-C039","Replacement claim","Replacement for PASS-07 §E4 and claim S_NE-P7-C036","Replacement claim","A. P7 S013 replacement source annotation","B. Exact replacement/confirmation of TSR claims","C. P7 S014 and related federal-source annotations","Residual holds","Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-16","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["repossession"],"subject":["provider-remedies"]},"scope":"P7fiveboundedremedyclarifications:cap/Pettit/AGnotice/penaltyexceptions/sourcecurrentness","pending_corrections":0},{"key":"s_ne--pass-17","task":"S_NE","title":"SNE Nebraska arbitration award-to-judgment, confirmation, vacatur, modification, appeal, and stay boundaries","parent_title":"Nebraska debt and debt relief law","edition":"pass-17","path":"/research/s_ne--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":48,"sources":27,"review_status":"seven_bounded_signature_venue_FAAwording_filing_and_traceability_findings_pending_UNSENT","review_complete":true,"sha256":"3bc531cf4c2d606eb8c60394e1c79c0fe1b8b3bf11ace519458b5abd4de10de0","headings":["Focused determination","B1. Nebraska award requirements","B2. Nebraska arbitrator correction or clarification","B3. AAA Consumer Rules, if actually incorporated","B4. JAMS rules, if actually incorporated","B5. No verified tolling from private correction request","C1. Nebraska UAA confirmation","C2. Mandatory rather than discretionary confirmation","C3. Papers needed under Nebraska law","C4. FAA confirmation","C5. FAA §9’s one-year language in the Eighth Circuit","C6. Confirmation versus an untimely modification request","D1. Exhaustive statutory matrix","D2. Ninety-day timing","D3. Formation challenge after the award","D4. Evident partiality","D5. Refusal to hear evidence and fair-hearing prejudice","D6. Exceeding powers","D7. Legal or factual error and manifest disregard","D8. Narrow UAA public-policy doctrine","D9. Rehearing after vacatur","E1. Statutory grounds","E2. “Evident” miscalculation","E3. Form versus merits","F1. FAA §10 grounds","F2. FAA §11 grounds","F3. Exclusive grounds","F4. Excess of powers and legal error","F5. Fair-hearing misconduct","F6. Formation or arbitrability after award","F7. Three-month service requirement","F8. Karo and Seldin after Jules","F9. Confirmation cannot revive an expired review request","G1. Nebraska computation","G2. Federal computation","H1. Nebraska appealability","H2. Nebraska appeal period","H3. Nebraska appeal does not automatically stay","H4. FAA appealability","H5. FAA stay of award enforcement","Example 1 — Nebraska confirmation after review period expires","Example 2 — Postaward formation objection","Preserved branch","Waived branch","Example 3 — Nebraska fraud-discovery branch","Example 4 — Alleged legal error versus statutory ground","Example 5 — Evident arithmetic correction versus merits rewrite","Example 6 — Confirmation motion does not extend opponent’s review period","Example 7 — Award emailed, but governing delivery rule unknown","Example 8 — AAA or JAMS correction request does not safely postpone court review","Example 9 — Freestanding federal motion versus retained federal jurisdiction","Freestanding application","Existing stayed federal case","Example 10 — Nebraska confirmation judgment, appeal, and stay","Freshly read in PASS-17","Numerical self-check","Currentness and status","Bounded unresolved searches","Not read or performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-17","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["judgment","appeal"],"subject":["appeals","arbitration-adr"]},"scope":"Ordinary Nebraska arbitration award confirmation/vacatur/modification/correction and necessary judgment/appeal/stay boundary","pending_corrections":7},{"key":"s_ne--pass-18","task":"S_NE","title":"SNE Nebraska court-judgment interest, dormancy, revival, judgment liens, satisfaction, and release","parent_title":"Nebraska debt and debt relief law","edition":"pass-18","path":"/research/s_ne--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":50,"sources":25,"review_status":"revise","review_complete":true,"sha256":"c4c4918929f8378fee62757ac55654020e9c6788fa21bc6b7a3636e2722fc9f1","headings":["Executive determination","B1. Rate-selection rule","Recent official Nebraska judgment rates","B2. Contractual-rate branch","B3. Start and end events","B4. Interest base","B5. Simple versus compound interest","B6. Partial-payment allocation","C1. Five-year dormancy rule","C2. Execution issuance versus levy","C3. Appeal, injunction, and officer disability","C4. Dormancy is not immediate extinguishment","C5. Partial payment does not restart the judgment clock","C6. Revivor procedure","C7. Defenses in revivor","C8. Effect of revivor","D1. Nebraska district-court judgment","D2. County and Small Claims Court judgments","D3. County-by-county lien matrix","D4. Duration and priority","D5. Homestead boundary","E1. Foreign or sister-state judgment filed in Nebraska","E2. Federal district-court judgment","F1. What constitutes full satisfaction","F2. Judgment-index entry","F3. Official county-court satisfaction form","F4. Attorney authority","F5. Settlement for less than the judgment","F6. Creditor unavailable or refusing to acknowledge satisfaction","F7. Deadline and penalty gap","F8. Cross-county release gap","Example 1 — Nebraska statutory-rate judgment","Example 2 — Contractual-rate branch","Example 3 — Partial payment applied first to interest","Example 4 — No execution and dormancy","Example 5 — Execution preserves judgment, but lien-priority question remains","Example 6 — Timely revivor versus expired window","Example 7 — Original-county and another-county lien","Example 8 — County or Small Claims Court judgment","Example 9 — Full payment but no satisfaction filed","Example 10 — Creditor unavailable or disputes satisfaction","Example 11 — Nebraska state judgment versus federal judgment","Nebraska state judgment","Federal district-court judgment","Example 12 — Foreign judgment registered in Nebraska","Freshly read in PASS-18","Numerical self-check","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-18","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["judgment","settlement","resolution"],"subject":["interest-charges-math","limitations-revival","judgments-duration"]},"scope":"Nebraska ordinary court judgment interest/duration/dormancy/revival/renewal/satisfaction/lienrelease","pending_corrections":7},{"key":"s_ne--pass-19","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt wage garnishment and earnings exemptions","parent_title":"Nebraska debt and debt relief law","edition":"pass-19","path":"/research/s_ne--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":40,"sources":15,"review_status":"scoped_followup_groups_resolved_with_limits_after_P25_no_component_acceptance","review_complete":true,"sha256":"77d945d03b572f00c736b77b658d1f98f04e5b045740ee9217751db829971960","headings":["Executive findings","B1. Judgment prerequisite","B2. Creditor affidavit and summons","B3. Service on employer","B4. Separate notice to employee","B5. Employer answer and interim retention","B6. Debtor hearing","B7. Court order transferring earnings and creating continuing lien","B8. Duration, extension, and termination","C1. Definitions","C2. Formula","C3. Current pay-period floors","C4. Required versus voluntary deductions","Generally subtracted before computing disposable earnings","Generally not subtracted","C5. Bonuses, commissions, tips, and retirement","D1. Nebraska priority","D2. Federal aggregate ceiling","D3. Operational sequence","E1. Automatic protection versus hearing remedy","E2. Timing matrix","E3. Scope of hearing","E4. Evidence","F1. Employer duties","F2. Failure to answer","F3. Creditor challenge to employer answer","F4. Corporate employer notice","F5. Anti-discharge protection","Example 1 — low weekly disposable earnings","Example 2 — weekly transition range","Example 3 — weekly head-of-family difference","Example 4 — biweekly earnings","Example 5 — required versus voluntary deductions","Example 6 — monthly earnings near the protected floor","Example 7 — superior support withholding leaves no ordinary room","Example 8 — multiple ordinary creditors","Example 9 — worker classification unknown","Example 10 — hearing deadline with unknown receipt","Example 11 — continuing lien expires or ends early","Example 12 — amount due on judgment is disputed","Example 13 — employment discharge protection","Same indebtedness","Different indebtedness","Freshly read","Arithmetic self-check","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-19","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment","exemptions-property"]},"scope":"independent ordinary wage garnishment; no unreviewed P18 premise","pending_corrections":0},{"key":"s_ne--pass-20","task":"S_NE","title":"SNE Nebraska bank-account garnishment, deposit and benefit exemptions, ownership, and tracing","parent_title":"Nebraska debt and debt relief law","edition":"pass-20","path":"/research/s_ne--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":55,"sources":22,"review_status":"scoped_followup_groups_resolved_with_limits_after_P25_no_component_acceptance","review_complete":true,"sha256":"4dc9d8b9375d2a04aceca9b556673387d94e8c55043ee6f1c4435bd05a08ab45","headings":["Focused determination","B1. Existing court judgment is required","B2. Filing court and affidavit","B3. Service on a financial institution","B4. What the bank holds","B5. Interrogatories and bank answer","B6. Notice to the debtor","B7. Hearing and claim","B8. Transfer requires a court order","B9. Bank-answer dispute and bank liability","C1. General personal-property selection: $5,970","C2. Deposited wages","C3. Earned-income tax-credit refunds","C4. Unemployment benefits","C5. Workers’ compensation","C6. Public assistance","C7. Retirement-plan interests","C8. Insurance and annuity proceeds","D1. Covered benefits and payment method","D2. Initial federal-benefits notice check","D3. Protected-amount formula","D4. Uniform review rules","D5. Excess funds","D6. Bank notice","D7. One review per order","D8. Garnishment fee","D9. Safe harbor and records","E1. Social Security and SSI","E2. Nebraska commingling and tracing rule","E3. VA benefits","E4. Railroad benefits","E5. Federal civil-service retirement","E6. Automatic review versus underlying exemption","F1. Nebraska ownership rule","F2. Garnishment effect","F3. Federal automatic review and co-owners","F4. Representative payee and fiduciary accounts","F5. Setoff distinction","Example 1 — ordinary unprotected account balance","Example 2 — Nebraska personal-property selection","Example 3 — covered federal direct deposits","Example 4 — balance below covered deposits","Example 5 — paper check versus direct deposit","Direct deposit","Paper check deposited by customer","Example 6 — commingled wages and federal benefits","Example 7 — federal benefits above the automatic amount","Example 8 — joint account with nondebtor contributions","Example 9 — transfer between accounts","Example 10 — special order carrying federal-benefits notice","Example 11 — debtor discovers the freeze after bank review","Example 12 — successive garnishment orders","Example 13 — bank garnishment fee formula","Example 14 — unemployment benefits commingled","Freshly read in PASS-20","Arithmetic self-check","Bounded unresolved searches","Source and form limitations","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-20","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["levy"],"subject":["ownership-transfer","bank-garnishment","exemptions-property","employment-care-benefits"]},"scope":"Independent remaining bank-garnishment/deposit-benefit exemption/tracing component","pending_corrections":0},{"key":"s_ne--pass-21","task":"S_NE","title":"SNE Nebraska nonwage, nonbank personal-property execution and exemptions","parent_title":"Nebraska debt and debt relief law","edition":"pass-21","path":"/research/s_ne--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":47,"sources":20,"review_status":"revise","review_complete":true,"sha256":"999271511c255e751b9669e267fb53a2a34be924658f965f81601fe3fd2a5cf2","headings":["Executive findings","B1. Creditor request and clerk issuance","B2. Service and notice to the debtor","B3. Levy and creation of the personal-property lien","B4. Residence and privacy boundary","B5. Exemption claim and hearing","B6. Third-party ownership claim","B7. Notice and sale of nonexempt personal property","B8. Proceeds, priority, surplus, and return","C1. Exemption matrix","C2. General $5,970 selection","C3. Immediate personal possessions","C4. Necessary wearing apparel","C5. Household goods","C6. Tools, implements, and professional supplies","C7. Motor vehicle","C8. Health aids","C9. Combining exemptions and avoiding double counting","C10. Proceeds, replacement property, waiver, and secured debt","D1. Twenty-day claim process","D2. Hearing result","D3. Third-party ownership and co-owned property","D4. Lawful ownership versus fraudulent transfer","D5. Statutory stay","D6. Debtor examination is separate","E1. Competing execution creditors","E2. Debtor’s interest and prior secured lien","E3. Sheriff fees and commission","Example 2 — vehicle subject to a prior lien","Branch A: debtor equity below the exemption","Branch B: equity above the exemption","Example 3 — tools with mixed personal and business use","Example 4 — 20-day exemption deadline","Example 5 — separate exemption categories without double counting","Same-asset branch held","Example 6 — co-owned professional equipment","Example 7 — property disputed between tools and household categories","Example 8 — sale commission and same-day writs","Example 9 — no bidders","Example 10 — successful third-party ownership claim","Example 11 — statutory stay after levy","Example 12 — satisfaction asserted before sale","Freshly read","Numerical self-check","Currentness and limitations","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-21","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["judgment","levy"],"subject":["exemptions-property"]},"scope":"Independent nonwage nonbank personal-property execution/exemptions/procedure remaining component","pending_corrections":5},{"key":"s_ne--pass-22","task":"S_NE","title":"SNE bounded procedure and source-precision corrections","parent_title":"Nebraska debt and debt relief law","edition":"pass-22","path":"/research/s_ne--pass-22/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":14,"sources":15,"review_status":"scoped_followup_groups_resolved_with_limits_after_P25_no_component_acceptance","review_complete":true,"sha256":"65d913c6c34c7cabf390187702dbe9d78ffb38daaf63a8c4a83b32130bd461f2","headings":["Disposition of the three correction groups","1A. Replacement for PASS-19 §C3, “Current pay-period floors”","Correct combined Nebraska formulas","Remaining state-rule gap for uncommon pay periods","1B. Narrow rounding and transition-point correction","Bounded monthly edge example","Effect on original examples","2A. Replacement for PASS-19 C030 and §F3","Correct unsatisfactory-answer trigger","Complete replacement claim for original P19 C030","Separate court-order-noncompliance branch remains held","2B. Replacement master-matrix rows","2C. Replacement for original P19 C021","2D. Narrow replacement for original P19 C037","3A. CC 3:8N source-version replacement","Replacement source annotation","3B. Florence Lake Investments source and outcome replacement","Replacement qualification","3C. Federal CCPA source-currentness replacement","Replacement source-currentness annotation","Freshly read or visually inspected","Not established or not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-22","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"Only three reviewedNE19procedure/state-nonweekly/source-precision groups","pending_corrections":0},{"key":"s_ne--pass-23","task":"S_NE","title":"SNE five bounded corrections to reviewed","parent_title":"Nebraska debt and debt relief law","edition":"pass-23","path":"/research/s_ne--pass-23/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":20,"sources":20,"review_status":"scoped_followup_groups_resolved_with_limits_after_P25_no_component_acceptance","review_complete":true,"sha256":"8effe162eade66f2ad7f700e39a963aa75199c46f4982b63dd7b2086800a2a88","headings":["Five-group disposition","1A. Replacement for PASS-20 §D2","Initial examination of the garnishment order — §212.4(a)","Account review — §212.5(a)","Permitted large-batch branch","Priority of account review","1B. Replacement for original PASS-20 C028","1C. Replacement matrix rows","1D. Coverage replacement","2A. Replacement for PASS-20 S022 and §C2","Correct bounded treatment","2B. Replacement for original PASS-20 C020","2C. Replacement for original PASS-20 S022","2D. Failed reproduction routes","3A. Answer-challenge trigger: replacement for C013, §B9, §G, and matrix row","Replacement original C013","Separate court-order-noncompliance branch","Replacement matrix row","3B. Debtor mailing list: replacement for PASS-20 §B6","Served on the garnishee under subsection (1)","Mailed to the judgment debtor under subsection (2)","3C. Financial-institution designation pinpoints","3D. Procedure-coverage replacement","4A. Replacement for PASS-20 S004 — full URLs","4B. Replacement for PASS-20 S017 — full URLs","4C. Replacement for PASS-20 S020 — eight direct form URLs","CC 3:8N version qualification","4D. Revenue Ruling page count","4E. Cattle National Bank body pinpoints","4F. Schaefer Shapiro Part 212 qualification","4G. Florence Lake disclosure and actual outcome","4H. Correct source for joint-account ownership","4I. Federal-source currentness annotations","5A. Replacement for PASS-20 §E3","Correct bounded rule","5B. Replacement VA claim","Freshly read or visually inspected","Preserved limits","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-23","facets":{"geography":["us","us-ne"],"debt_type":["business"],"stage":["repossession"],"subject":[]},"scope":"Only five reviewedNE20bank-procedure/source-status groups; afterNE22complete/saved; no new premise fromNE21/22","pending_corrections":0},{"key":"s_ne--pass-24","task":"S_NE","title":"SNE Nebraska real-estate execution and homestead","parent_title":"Nebraska debt and debt relief law","edition":"pass-24","path":"/research/s_ne--pass-24/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":50,"sources":20,"review_status":"revise","review_complete":true,"sha256":"1d5a48c3b280a1eb498dbb419bf7198ce0a480ca89cf3870c75bdbf31222b6c6","headings":["Executive findings","A1. Entry, judgment lien, levy, and sale are different events","A2. What interest is reachable","B1. Current amount, land limits, and effective date","B2. Residency, occupancy, and property interest","B3. No current family or dependent requirement","B4. Spouses and multiple claimants","B5. Recorded declaration is not the ordinary prerequisite","B6. Special execution-claim procedure","Relationship to the general execution form’s 20-day deadline","B7. Divisible and indivisible homesteads","Divisible property","Indivisible property","B8. Proceeds and replacement homestead","B9. Abandonment","C1. Section 40-103 exceptions","C2. Married-person conveyance or encumbrance","C3. Purchase-money lien","D1. Process matrix","D2. Levy and property description","D3. Publication, posting, and mailed notice","D4. Sale location, bidders, and price","D5. Confirmation","D6. Special homestead notice before confirmation","D7. Redemption","F4. Co-owner or spouse","F5. Sheriff fees and sale expenses","Example 1 — ordinary nonhomestead parcel","Example 2 — one qualifying homestead claimant; equity below cap","Example 3 — one claimant; equity above cap","Example 4 — co-owner or spouse interest unresolved","Assumed 50/50 ownership solely for arithmetic","Example 5 — occupancy or abandonment disputed","Example 6 — missing notice and claim dates","Example 7 — disputed sale value and lien priority","Example 8 — indivisible homestead proceeds and replacement","Example 9 — redemption after sale but before confirmation","Example 10 — multiple execution creditors and sheriff commission","Example 11 — satisfaction before completion of sale","Freshly read","Arithmetic self-check","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-24","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["judgment","levy"],"subject":["exemptions-property"]},"scope":"Independent ordinary real-estate execution and homestead component; only afterNE23complete/saved; no unreviewed prior findings as premises","pending_corrections":6},{"key":"s_ne--pass-25","task":"S_NE","title":"SNE dated source-observation annotations to reviewed /corrections","parent_title":"Nebraska debt and debt relief law","edition":"pass-25","path":"/research/s_ne--pass-25/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":12,"sources":8,"review_status":"bounded_dated_source_annotations_accepted_with_explicit_holds","review_complete":true,"sha256":"0e1af823950589cd17be61c0b3eef361becadb67b92cbdd8a8332745be00236b","headings":["GROUP 1 — CC 3:8N and CC 3:8Na observed-version replacement","Replacement annotation for PASS-22 C011, Group 3, S009, replacement-effect and coverage cells; and PASS-23 C013, Group 4C, S011, effect and coverage cells","Correct bounded conclusion","GROUP 2 — VA §5301 exact-header provenance replacement","Replacement annotation for PASS-23 §4I, S017, C017 and VA-metadata coverage cells","Correct bounded conclusion","GROUP 3 — GovInfo 2024 CCPA source annotation replacement","Replacement annotation for PASS-22 S014, C013 and related coverage cells","Correct bounded conclusion","Actually accessed in PASS-25","Supplied but not independently recreated","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-25","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedNE22/23 dated CC3N clean-render observation, VAheader replication boundary and Govinfoedition metadata; afterNE24complete/saved","pending_corrections":0},{"key":"s_ne--pass-26","task":"S_NE","title":"SNE Nebraska collector-conduct private remedies and public enforcement","parent_title":"Nebraska debt and debt relief law","edition":"pass-26","path":"/research/s_ne--pass-26/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":52,"sources":26,"review_status":"P29P32substantive_and_G4_annotations_supported_with_limits_one_C032search-scope_P34pending","review_complete":true,"sha256":"3eeed36751b2254f7f059c45bdc2eae299d84c6d7271ad201a7e1b233ab4f3aa","headings":["Focused determination","B1. Licensing and prohibited conduct","B2. Conditional exclusions are not immunity","B3. Bond remedy","B4. Board enforcement","B5. Title 433 rules","B6. Collection Act remedy matrix","C1. Conduct and public-interest requirement","C2. Private standing and remedies","C3. Increased-award branch","C4. Punitive damages","C5. Regulatory exemption","C6. Public NCPA enforcement","D1. Private route is prospective and equitable","D2. Costs and attorney fees","D3. Debt cancellation and unenforceability","D4. Public enforcement","D5. Territory and regulatory compliance","D6. Attorney General notice in private cases","E1. Fraud or fraudulent misrepresentation","E2. Intrusion upon seclusion","E3. Abuse of process","E4. Malicious prosecution","E5. Litigation privilege","E6. Intentional infliction of emotional distress","E7. Allegedly wrongful garnishment or execution","F1. Actor and debt gateways","Debt buyers","Attorneys","F2. Federal conduct provisions","F3. Federal private remedies","F4. Federal limitation","F5. State-law coexistence","Example 1 — unlicensed third-party collector operating five days","Example 2 — original creditor’s own name versus false collection name","Branch A: ordinary own-name collection","Branch B: fictitious third-party appearance","Example 3 — debt buyer and attorney ambiguity","Example 4 — allegedly deceptive balance letter with missing NCPA elements","Example 5 — repeated calls and disputed tort elements","Example 6 — private NCPA recovery with unresolved increased-award branch","Example 7 — public penalty versus private award","Example 8 — allegedly wrongful writ with a valid underlying debt","Example 9 — complaint or negotiation while a court deadline runs","Example 10 — two FDCPA violations in one action","Example 11 — bond claim versus debtor claim","Freshly read","Numeric self-check","Bounded unresolved searches","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-26","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["collection"],"subject":["provider-remedies","collection-conduct"]},"scope":"Independent expressly deferred collector-conduct private remedies/public enforcement; no unreviewed prior findings as premises; afterNE25complete/saved","pending_corrections":0},{"key":"s_ne--pass-27","task":"S_NE","title":"SNE Nebraska residential deed-of-trust nonjudicial trustee sale","parent_title":"Nebraska debt and debt relief law","edition":"pass-27","path":"/research/s_ne--pass-27/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":60,"sources":25,"review_status":"four_bounded_statutory_case_federal_source_groups_required","review_complete":true,"sha256":"90811a5036ce75c389ce2c33b43df782c1684a35b718b4de6845c2acb2b6602d","headings":["Executive determination","A1. Actor and authority matrix","A2. Eligible trustee","A3. Express power of sale","A4. Successor trustee","A5. Beneficial assignment and account linkage","A6. Owner occupancy","B1. Master state timeline","B2. Notice of default","B3. No general Nebraska acceleration notice beyond the statute and contract","C1. Statutory reinstatement","C2. Trustee-fee cap formula","C3. Actual tender is required","C4. Cancellation of default notice after cure","C5. Full payment after the reinstatement window","D1. Recipient matrix","D2. Recorded request requirements","D3. Sale publication","D4. Calendar method","E1. Postponement","Bounded comparison","E2. Failed purchaser payment","E3. Cancellation","F1. Auction and bidding","F2. Payment","F3. Termination of trustor rights and no post-sale redemption","F4. Trustee deed","F5. Interest conveyed","F6. Defect categories","F7. Proceeds priority","Hypothetical proceeds arithmetic","F8. Deficiency boundary","G1. Ordinary Nebraska homestead","G2. Married-person signature and acknowledgment","G3. Purchase-money exception","G4. Agricultural and Farm Homestead Protection Act branch","H1. Proper court and equitable relief","H2. Injunction security","H3. Pre-sale versus post-sale position","H4. Prejudice","H5. Complaints, disputes, and negotiations","H6. Due process and state action","I1. Regulation X coverage","I2. Early intervention","I3. First foreclosure notice or filing","I4. Acknowledgment and completeness","I5. Complete application before first filing","I6. Complete application after first filing","I7. Evaluation and appeal","I8. Incomplete application and short-term agreement","I9. Duplicative requests and small servicers","I10. Regulation X does not itself rewrite Nebraska title rules","J1. Bankruptcy","J2. Servicemembers Civil Relief Act","Example 1 — successor trustee authority not recorded","Example 2 — default and election facts unknown","Example 3 — owner occupancy and spouse interest ambiguous","Example 4 — required recipient and address unknown","Example 5 — timely reinstatement with unknown fees","Example 6 — postponed sale"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-27","facets":{"geography":["us","us-ne"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"Independent requiredsector6 residentialdeedoftrustnonjudicialtrusteesale; onlyafterNE26complete/saved; unreviewedfoundationfindingsnotpremises","pending_corrections":0},{"key":"s_ne--pass-28","task":"S_NE","title":"SNE Nebraska residential judicial mortgage foreclosure through sale, confirmation, and redemption","parent_title":"Nebraska debt and debt relief law","edition":"pass-28","path":"/research/s_ne--pass-28/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":12,"claims":62,"sources":24,"review_status":"revise","review_complete":true,"sha256":"83505ecf2e5de195c3182b3d1ef004a5128ca59bd1fbc82ddfe5a3bf1d980fbb","headings":["A. Proper court and venue","B. Commencement and the federal “first filing”","C. Plaintiff standing and enforcement authority","Standing proof matrix","D. Necessary parties","E. Lis pendens","F. Service","G. Complaint requirements","Attachment and verification boundary","A. No uniform Nebraska pre-suit mortgage notice period verified","B. Default and acceleration","C. Installment cure before decree","D. Installment cure after decree","E. Statutory stay of order of sale","Cure/stay/redemption comparison","A. Findings and adjudicated amount","B. Sale of all or part","C. Decree is a final judgment","D. Court, clerk, and sheriff roles","E. Decree versus operational sale process","A. Publication and posting","B. Mailing the published notice","C. Location and time","D. Postponement","E. Appraisal and minimum price","F. Bidder deposit and credit bids","G. Officer conflicts","A. Confirmation standard","B. Valuation and upset bids","C. Notice of confirmation hearing","D. Hearing and objections","E. Purchase money pending confirmation","F. Deed and conveyed interest","G. Termination of rights","H. Proceeds and surplus","A. Distinct rights","B. Who may redeem","C. Redemption payment","D. Redemption cutoff","E. Possession and rents boundary","A. No deficiency in the foreclosure decree itself","B. Separate action may exist","C. Parallel actions restricted","D. Prior money judgment","E. No automatic deficiency","A. Regulation X coverage","B. 120-day first-filing gate","C. Application received before first filing","D. Forty-five-day acknowledgment gate","E. More-than-37-day dual-tracking protection","F. Appeal right","G. Duplicative applications","H. Small servicers","I. Incomplete applications and negotiations","J. Bankruptcy stay","K. Servicemembers Civil Relief Act","Example 1 — uncertain instrument and route","Example 2 — assignment and standing gap","Example 3 — homestead and spouse interest unknown","Example 4 — defective or unknown service"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-28","facets":{"geography":["us","us-ne"],"debt_type":["mortgage"],"stage":["foreclosure","repossession"],"subject":["foreclosure-repossession"]},"scope":"Independent required sector6 residential judicial mortgage foreclosure, sale/confirmation/redemption; full deficiency and possession deferred","pending_corrections":6},{"key":"s_ne--pass-29","task":"S_NE","title":"SNE four bounded corrections to collector-conduct remedies","parent_title":"Nebraska debt and debt relief law","edition":"pass-29","path":"/research/s_ne--pass-29/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":13,"claims":33,"sources":20,"review_status":"P29P32substantive_and_G4_annotations_supported_with_limits_one_C032search-scope_P34pending","review_complete":true,"sha256":"7beddcb0a1e5be0b2827f3d79921449c89650165cb32a7295a68a46efbe981ab","headings":["Four-group disposition","1. Criminal text and unresolved mental-state construction","Replacement for PASS-26 B1, C006, and Example 1’s legal premise","Corrected criminal matrix","2. Correct §45-602 pinpoints","3. Bond timing, claimant predicates, and aggregate cap","Replacement for PASS-26 B3, C008, and Example 11","Current bond tiers preserved","4. Board proceedings: mandatory and discretionary branches","5. Title 433 rule text and statute-rule distinctions","Material pages actually inspected","1. Corrected primary-case table","2. Litigation privilege correction","Replacement for PASS-26 C035 and the corresponding common-law discussion","3. Correct privacy guardrails","4. Correct abuse-of-process boundary","Replacement for PASS-26 C033 and affected narrative","5. Correct IIED boundary","1. NCPA regulatory exemption and carvebacks","Replacement for PASS-26 C019","2. Precise NCPA suspension rule","Replacement for PASS-26 C021","3. Public NCPA penalty locator","Replacement for PASS-26 C020’s penalty citation","4. UDTPA asset freeze","Replacement for PASS-26 C026’s freeze wording","5. UDTPA filings sent to the Attorney General","Replacement for PASS-26 C030","6. Nebraska punitive-damages scope","Replacement for PASS-26 C018","7. Rotkiske qualification","Replacement for PASS-26 C046","8. Future-effective §87-302 text","9. Holds expressly preserved","1. Full literal URL expansion","Replacement for P26 S002 — Board, applications, branches, renewal, records, and fees","Replacement for P26 S003 — bond and discipline","Replacement for P26 S007 — NCPA","Replacement for P26 S013 — UDTPA","Replacement for P26 S015 — Nebraska privacy statutes","Replacement for P26 S021 — FDCPA","2. Other source-status corrections","Example 1 — five assumed daily unlicensed-operation offenses","Assumptions","Example 2 — month-close accounting and competing bond claims","Assumptions","No competing valid claim","Competing qualifying claims total $7,000","Example 3 — privilege, malicious prosecution, and administrative-process failure case","Facts assumed","Conditional analysis","Example 4 — complaint intake versus qualifying AG action, asset freeze, mailing, and tolling","Step A — consumer files a CART complaint","Step B — AG later files a qualifying NCPA action","Step C — AG seeks connected-asset restraint","Step D — private UDTPA pleading","Preserved and rejected calculations","Freshly read or visually inspected in PASS-29","Numerical self-check","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-29","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["collection","repossession"],"subject":["collection-conduct"]},"scope":"ONLYNE26fourreviewedAct/case/remedy/sourcegroups;originalNEchat afterNE28complete/saved","pending_corrections":0},{"key":"s_ne--pass-30","task":"S_NE","title":"SNE Nebraska residential mortgage/trust-deed post-sale deficiency, valuation, personal liability, limitations, and election boundaries","parent_title":"Nebraska debt and debt relief law","edition":"pass-30","path":"/research/s_ne--pass-30/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":50,"sources":21,"review_status":"revise_four_material_groups","review_complete":true,"sha256":"ca2e62aaf3022f653085676dc72c9e9418ce0e9fb168b5336b7e96e04deac2f1","headings":["I. Core determination","A. Nonjudicial trustee sale","B. Judicial mortgage or deed-of-trust foreclosure","C. Guaranties","D. Missed deficiency deadline versus no deficiency","A. The triggering sale","B. “Three months” means calendar months","C. Filing commences the action; service is separate","Timing matrix","D. Required complaint allegations","A. Defined variables","B. The two statutory ceilings","Ceiling 1 — fair-market-value ceiling","Ceiling 2 — sale-price ceiling","Combined base-deficiency rule","C. No deficiency and satisfaction","D. What belongs in “total indebtedness”","E. Trustee and attorney charges","F. Valuation date and proof","A. Unsecured guaranty: Murante and Boxum","B. Secured guaranty: Topp","Secured-guaranty test","C. Advance waiver","Limits of Topp","A. Section 76-1013 does not apply","B. Separate action, not automatic decree amount","C. Parallel-action restriction","D. Other obligors and guarantors","E. Prior personal judgment","F. Proceeds and credits","G. General written-contract limitation and revival","A. Remaining collateral after a missed deficiency action","B. Multiple deeds and obligations","C. Credit sequence","D. Route election","A. Sale defects do not all have the same consequence","B. Deficiency implications","C. Proceeds objections","A. Security enforceability and personal liability are separate","B. Spousal execution and acknowledgment","C. Mutual of Omaha Bank v. Watson","A. Bankruptcy automatic stay","B. Discharge: in personam versus in rem","C. Servicemembers Civil Relief Act","D. Federal insured or guaranteed loans","Example 1 — trustee-sale bid below FMV","Example 2 — trustee-sale bid above FMV","Example 3 — FMV exceeds indebtedness: zero deficiency","Example 4 — disputed sale costs alter both ceilings","Creditor’s claimed version","Court allows only $10,000 of costs","Example 5 — post-sale interest remains independently conditional","Example 6 — secured versus unsecured guaranty","Branch A: unsecured guaranty","Branch B: secured guaranty","Example 7 — pre-signed waiver","Example 8 — late or uncertain three-month clock","Example 9 — judicial foreclosure followed by personal action","Example 10 — multiple collateral and double-recovery guard","Example 11 — homestead owner versus note signer"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-30","facets":{"geography":["us","us-ne"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["limitations-revival","foreclosure-repossession"]},"scope":"Independent post-sale deficiency valuation/personal-liability/limitations/election; P27/P28 unreviewed not premises","pending_corrections":0},{"key":"s_ne--pass-31","task":"S_NE","title":"SNE Four bounded corrections to Nebraska nonjudicial trustee-sale","parent_title":"Nebraska debt and debt relief law","edition":"pass-31","path":"/research/s_ne--pass-31/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":15,"claims":30,"sources":26,"review_status":"P27_four_requested_statute_case_federal_provenance_corrections_resolved_with_access_limits","review_complete":true,"sha256":"909105369450ea46a8d043267d48123e6e5e4e76dd43329258036c634c6aba98","headings":["G1 — Statutory gateways and mandatory consequences","1. Section 76-1012: both payment branches require acceleration before fixed maturity","2. Section 76-1006: precise farm-operations gateway","3. Section 76-1008: notice requests and actual mailing contents","4. Section 76-1011.01: mandatory conditional fee award","5. Section 25-1067: injunction security","G2 — Correct case identities, facts, holdings, and pinpoints","Corrected controlling-case matrix","Material holding corrections","G3 — Federal coverage and timing refinements","1. Facially complete applications require a separate branch","2. Duplicative-request exception requires both conditions","3. Transfer continuity under §1024.41(k)","4. Separate federal prohibitions and permitted intermediate steps","5. SCRA: the court-order exception has a second required act","G4 — Source provenance, versions, and access boundaries","1. Case-source status","2. Federal-source version observations","3. Statutory templates versus actual forms","Example A — Pre-maturity default versus matured obligation","Example B — Recorded notice request lacks acknowledgment or deed identification","Example C — Watson facts versus a nonsigning spouse and Topp guaranty","Example D — Disputed completeness, previous application, and servicing transfer","Additional SCRA boundary example"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-31","facets":{"geography":["us","us-ne"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"OnlyNE27fourreviewedstatutory/case/federal/sourcegroupsafterNE30wholesaved;originalNEchat","pending_corrections":0},{"key":"s_ne--pass-32","task":"S_NE","title":"SNE Residual source mapping and observer annotations","parent_title":"Nebraska debt and debt relief law","edition":"pass-32","path":"/research/s_ne--pass-32/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":0,"sources":0,"review_status":"P29G4_requested_URL_map_reporter_access_annotations_resolved_through_P34_with_limits","review_complete":true,"sha256":"76e18ccf3db3ebaed98a84960cad11e5834b2982155cfcc869f0621bdca59144","headings":["G1 — Corrected source-register cells","Replacement S_NE-P29-S013 — Nebraska Consumer Protection Act","Replacement S_NE-P29-S015 — Uniform Deceptive Trade Practices Act","G2 — Exact source crosslinks for all 33 PASS-29 claims","Crosslink qualification","G3 — Reporter identity and McKinney majority boundary","Corrected case pinpoint table","McKinney: retain the correct PASS-29 pinpoint","G4 — Observer-specific access, source status and coverage","A. Title 433: clause verification remains observer-specific","B. Section 1692n: supported body, unreplicated exact OLRC header","Two concise provenance examples","Preservation of numerical review","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-32","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyNE29G4source/claim-map/reporter/observeraccessannotationsafterNE31saved;originalNEchat","pending_corrections":0},{"key":"s_ne--pass-33","task":"S_NE","title":"SNE Nebraska post-foreclosure possession, occupants, tenants, and eviction","parent_title":"Nebraska debt and debt relief law","edition":"pass-33","path":"/research/s_ne--pass-33/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":13,"claims":45,"sources":25,"review_status":"revise_five_bounded_groups_UNSENT","review_complete":true,"sha256":"fa6cada3a016c862b9c0e1e65e3c0de0e55deb493a6380f37d562ba0a799f348","headings":["Executive findings","A. Role, title, and possession-route findings","A1–A7. Which route can each person use?","Narrow ancillary branches","B. Nebraska notice, hearing, restitution, and appeal procedures","B8–B13, B15–B17. General FED versus residential URLTA","URLTA notice branches","Procedural consequences of defective service or unresolved title","B14, B18–B20. Defenses, agreements, money claims and unlawful removal","C. Federal tenants, servicemembers and bankruptcy","C21–C27. Protecting Tenants at Foreclosure Act","C28. Bankruptcy boundary","C29. SCRA eviction protection and current 2026 limit","C30. Discrimination, retaliation and utilities","D. Cases, forms, evidence, and possession decision map","D31–D33. Controlling and materially relevant opinions","D31–D32. Official statewide forms and instructions","D34. Practical evidence checklist — what each legal question would require","D35. Urgent-act versus automatic-stay decision map","E. Twelve bounded hypothetical workflows","E01 — Former owner after a nonjudicial trustee sale","E02 — Judicial foreclosure sale not yet confirmed","E03 — Borrower's spouse calls herself a tenant","E04 — Unrelated tenant paying market rent under a surviving fixed-term lease","E05 — Periodic tenancy, low rent and potential subsidy","E06 — Successor asserts a purchaser-primary-residence exception","E07 — Genuine title dispute in summary possession","E08 — Private purchaser proposes a lockout and removal of furniture","E09 — SCRA tenant and indexed monthly-rent limit","E10 — Bankruptcy petition with or without prepetition possession judgment","E11 — Buyer accepts rent and signs a possession agreement","E12 — URLTA tenant belongings and conditional damages","F. Source register — S_NE-P33-S001 onward","Source limitations","G. Claim register — S_NE-P33-C001 onward","H. Complete 36-item component coverage table","Required remaining work","I. Researcher self-check","Primary sources actually read","Numerical and relative-clock checks","Limits and integrity checks"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-33","facets":{"geography":["us","us-ne"],"debt_type":["rent_lease"],"stage":["eviction","foreclosure"],"subject":["foreclosure-repossession","tenancy-housing"]},"scope":"Distinctremainingresidentialpostforeclosurepossession/occupants/tenants/eviction;freshnecessarygatewaysonly;afterNE32whole saved,unreviewedsale/deficiencynotpremises","pending_corrections":5},{"key":"s_ne--pass-34","task":"S_NE","title":"SNE C032/S019 search-scope attribution correction","parent_title":"Nebraska debt and debt relief law","edition":"pass-34","path":"/research/s_ne--pass-34/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":2,"claims":0,"sources":0,"review_status":"C032_S019_source_scope_corrected_all_other_substantive_holds_retained","review_complete":true,"sha256":"4068ecadea4c463e27a658d5629e48c8ca18ef5931c1a38e1d74bd45f66332f2","headings":["1. Replacement PASS-32 C032 crosslink row","2. S_NE-P29-S019 — correct original search scope","3. Coverage and effect matrix","4. Observer and currentness preservation"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-34","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"ONLY reviewedP32C032/S019search-scopeattribution/crosslinkafterP33wholesaved;no whole-researchrerun","pending_corrections":0},{"key":"s_nv--pass-01","task":"S_NV","title":"SNV Nevada Provider Market Access and Consumer Fees","parent_title":"Nevada debt and debt relief law","edition":"pass-01","path":"/research/s_nv--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":30,"sources":7,"review_status":"revise","review_complete":true,"sha256":"62da0222d5e125fc41505f78184dd0cb0d1724eeb49850633514a24d95722586","headings":["A. Substantive findings","1. Nevada has a statutory registration framework that expressly encompasses debt settlement","2. Nevada requires a state authorization analysis before market entry","3. The administrative code adds independent operating conditions","4. Consumer-fee categories differ by service model","5. An executed agreement is a necessary fee condition, not blanket permission to collect immediately","6. Government registration charges are not consumer service-fee ceilings","7. Material discrepancy: registration expiration date","8. Additional controlling statutory findings from the opened text","B. Source register","C. Claim register","D. Worked examples and coverage","Example 1 — Concession-oriented DMP","Example 2 — Settlement proportional-fee arithmetic","Example 3 — Savings-based settlement","Example 4 — Lower-debt and cancellation boundary","Component coverage and gap table","Remaining explicit holds","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-01","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation","fees-outcomes","provider-licensing","accessibility"]},"scope":"FreshNevadaprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_nv--pass-02","task":"S_NV","title":"SNV Focused current-law correction and 2026 fee-adjustment evidence","parent_title":"Nevada debt and debt relief law","edition":"pass-02","path":"/research/s_nv--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":20,"sources":13,"review_status":"revise","review_complete":true,"sha256":"470df2805de102a59395a1c25b0fa4323c6970c3969340e295a851ce24f1c633","headings":["A. Replacement and supplemental passages","A1. Replace PASS-01 section 7 and S_NV-P1-C016","A2. Replace PASS-01 section 3’s reliance on old NAC 676A.140","A3. Add the express settlement-account and prohibited-debt limits","A4. Replace the imprecise fee-prerequisite discussion","A5. Current annual adjustment evidence","B. Minimal current-law and pinpoint matrix","C. Focused source register","D. Focused claim register","E. Bounded 2026 consumer-fee publication search","Result","F. Bounded federal carry-forward","G. Focused coverage and gap table","H. Remaining explicit holds","I. Researcher self-check","Freshly and substantively read on October 25, 2026","Search-only, failed or deliberately not upgraded","Scope and process limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-02","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"MaterialDecember31/repealed140andexplicitaccountcontrol/secureddebtlimits/counseling-triggerprecision;remaining2026actualannualfee-adjustmentevidenceonly,nofullreport/examplesrerun","pending_corrections":0},{"key":"s_nv--pass-03","task":"S_NV","title":"Nevada: coordinator-review date correction","parent_title":"Nevada debt and debt relief law","edition":"pass-03","path":"/research/s_nv--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":1,"claims":0,"sources":0,"review_status":"accepted_with_limits","review_complete":true,"sha256":"03ea1b575f901e5cefb1c011ccb3e5f5b625c40e41968758aeee68c8c89d13f5","headings":[],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-03","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":["accessibility"]},"scope":"One coordinator-review-date label only, no legal research or source access reclassification.","pending_corrections":0},{"key":"s_nv--pass-04","task":"S_NV","title":"SNV Nevada Consumer-Money and Trust-Account Architecture","parent_title":"Nevada debt and debt relief law","edition":"pass-04","path":"/research/s_nv--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":35,"sources":10,"review_status":"scoped_review_complete_requested_corrections_addressed_with_holds","review_complete":true,"sha256":"096ea125144b9184733de17bc22d008d0c92ff5c19383b0db838855f6cdb044b","headings":["A. Substantive findings","1. Nevada has two materially different consumer-money architectures","Conduct and account-model matrix","2. Complete NRS 676A.570 architecture","3. The FID third-party-designee form is disclosure and examination machinery, not permission","4. Affiliates, administrators, and processors cannot create a pass-through loophole","5. Separate Nevada money-transmission gateway","6. Nevada settlement-account rule and the conditional federal TSR overlay","7. Termination, cancellation, failure, and money already held","B. Bounded money-ledger examples","Example 1 — DMP receipt and creditor disbursement","Example 2 — Pooled trust with separate ledgers","Example 3 — Misdirected creditor payment","Example 4 — Termination without a proven payable fee","Example 5 — Timely cancellation","Example 6 — Reasonably apparent plan failure","Example 7 — Consumer-owned settlement account with no performance event","Example 8 — Processor classification hold","C. Focused source register","D. Focused claim register","E. Component coverage and gap table","F. Explicit remaining holds","G. Researcher self-check","Freshly read in full for the relevant component","Freshly read in selected operative passages","Sources deliberately not upgraded","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-04","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":["client-money","accessibility"]},"scope":"Remainingcomplete Nevada funds/trustaccountarchitecture from exactreviewedP2gap; expressno-control rule andconditionalfederaloverlay reused; currentamount/provider/broaderholds retained.","pending_corrections":0},{"key":"s_nv--pass-05","task":"S_NV","title":"SNV Bounded P04 account-money corrections","parent_title":"Nevada debt and debt relief law","edition":"pass-05","path":"/research/s_nv--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":7,"claims":4,"sources":5,"review_status":"scoped_review_complete_requested_repairs_addressed_with_holds","review_complete":true,"sha256":"f06dd06bdc058c760e50d848a7fd2433d4c9160f722058a078be6ef03b340e61","headings":["A. Limited source-use register","B. Precise narrative and matrix replacements","R1 — Provider control is not identical to administrator affiliation","R2 — Separate the cancellation period, refund duties, and civil recovery","R3 — Federal receipt requirement","R4 — Complete the payee-agent predicate","R5 — Both voluntary-contribution restrictions","C. Affected claim replacements only","D. Affected trigger-table rows only","E. Example replacements only","F. Affected coverage replacements only","G. Exact affected-entry crosswalk","Researcher self-check and unchanged holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-05","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded reviewedP04state/federalcontrol/30dayrefund/TSRreceipt/payeeagent/contribution qualifications only","pending_corrections":0},{"key":"s_nv--pass-06","task":"S_NV","title":"SNV Provider civil enforcement and consumer remedies","parent_title":"Nevada debt and debt relief law","edition":"pass-06","path":"/research/s_nv--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":9,"claims":57,"sources":16,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"6697077cc7f9643371c07efcc91ac7b4536a564234f1084e89569a99b48dbd98","headings":["A. Numbered substantive findings","1. Coverage and actors: several distinct enforcement systems, not one interchangeable consumer claim","2. Chapter 676A remedies: the precise monetary object and predicate matter","3. Consumer fraud, credit services, punitive damages, and nonduplication","4. Complaint procedures, required notices, cure, and limited timing rules","5. Published appellate decisions: supported applications and limits","6. Worked conditional models and smaller failure postures","B. Source register","C. Atomic claim register","D. Coverage and gap table","E. Contribution to the reviewed remainder","F. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-06","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":["provider-remedies"]},"scope":"ReviewedP04exactremediesremainder+parentconsumerremedies, narrowedprovidercivilenforcement/consumerremedies;P05unreviewednotpremise","pending_corrections":0},{"key":"s_nv--pass-07","task":"S_NV","title":"SNV Provider agreements, disclosures, authority, and cancellation","parent_title":"Nevada debt and debt relief law","edition":"pass-07","path":"/research/s_nv--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":69,"sources":16,"review_status":"scoped_coordinator_review_complete_with_holds","review_complete":true,"sha256":"17437a57c3ddb679fa27d1d09b69533f0387b0608cc68cacf7a56c3a72a8f783","headings":["A. Substantive findings","1. Classify the service and parties before selecting the agreement requirements","2. Nevada requires a sequence of disclosures and records—not merely a signed final contract","3. Negotiating, binding a compromise, initiating payment, and releasing rights are different acts","4. Cancellation, emergency waiver, termination, and their different effects","5. Electronic assent, record delivery, and federal overlays","6. Copies, accountings, and retention—only the agreement-facing requirements","B. Worked conditional models","Model 1 — Electronic precontract delivery and later paper request","Model 2 — Negotiation, limited authority, and later consumer assent","Model 3 — Ordinary cancellation, defect extension, and emergency waiver","Model 4 — Termination: conserve the ledger and separate authority from fees","Smaller failure postures","C. Source register","D. Atomic claim register","E. Component coverage and gaps","F. Contribution to the reviewed remainder","G. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-07","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ReviewedP04exactfullcontracts/disclosuresremainder;P05boundedrepairsseparatelyreviewed;P06remediesunreviewednotpremise","pending_corrections":0},{"key":"s_nh--pass-01","task":"S_NH","title":"SNH New Hampshire provider market access and consumer fees","parent_title":"New Hampshire debt and debt relief law","edition":"pass-01","path":"/research/s_nh--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":45,"sources":14,"review_status":"revise","review_complete":true,"sha256":"e0755d354b42ddf18528916be133d5b2db579a6c832503e5729a1c2bd73d8529","headings":["Executive determination","1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking conduct","1.1 The umbrella definition is activity-based","1.2 Statutory program branches","1.3 Principal reduction does not by itself answer the classification question","1.4 Custodial versus noncustodial","1.5 Consumer versus business purpose","1.6 Resident and remote-provider nexus","1.7 Underlying creditor boundary","2. Prohibited, licensed, authorized, and exempt models","2.1 Core market-access result","2.2 Model-by-model access matrix","2.3 Attorney and nonprofit boundaries","2.4 Institutional exclusions","3. Current fee structures, bases, limits, and adjustments","3.1 Fee base","3.2 Applicable fee table","3.3 DMP creditor threshold","3.4 Cancellation and default fees","3.5 Setup, enrollment, monthly, per-debt, and savings fees","3.6 Current amounts and historical reconciliation","4. When fees may be requested or received","4.1 State-law sequence","All plans","DMP","Settlement","Repayment","4.2 Independently applicable federal TSR baseline","Dedicated accounts","4.3 Conditional credit-repair overlap","5. Regulator permission, public lookup, and application procedure","5.1 Issuing authority and procedure","5.2 Current statutory government fees","5.3 Operational pages and public verification","5.4 Current regulations","6. Bounded worked examples","Example 1 — Ten-month DMP","Example 2 — Seventeen-month DMP and rounding","Example 3 — DMP creditor-acceptance test","Example 4 — DMP or repayment cancellation fee","Example 5 — Settlement aggregate cap and federal pro-rata earning","Example 6 — Alternative federal savings calculation","Example 7 — Lower-debt, partial settlement, and previous fees","Example 8 — Federal dedicated-account withdrawal","Example 9 — Repayment-plan reclassification","Example 10 — Discounted installment resolution","Example 11 — Remote business debtor and custody","Actually read","Located but not treated as fully read authority","Holds preserved","Method and provenance"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NH/pass-01","facets":{"geography":["us","us-nh"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh NewHampshire provider-access/fees component only; all broader state categories remain required","pending_corrections":0},{"key":"s_nh--pass-02","task":"S_NH","title":"SNH Bounded worked-example consistency correction","parent_title":"New Hampshire debt and debt relief law","edition":"pass-02","path":"/research/s_nh--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":3,"sources":2,"review_status":"accepted_with_limits","review_complete":true,"sha256":"cefc7a1772b83454f9b408556bb61f9903660d46e12c216a0d7deb63b1d0e4e7","headings":["Correction determination","Exact replacement for PASS-01 Example 7","Example 7 — Later partial settlement, prior proportional fees, and remaining aggregate headroom","Exact replacement for PASS-01 Example 8","Example 8 — Federal dedicated-account withdrawal, with earned-fee deduction qualified","PASS-01 disposition","S_NH-P2 source register","S_NH-P2 corrective claim rows","Coverage patch"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NH/pass-02","facets":{"geography":["us","us-nh"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyExample7same-method/prior-feeconsistencyandExample8earned-deductionqualification","pending_corrections":0},{"key":"s_nj--pass-01","task":"S_NJ","title":"SNJ New Jersey provider market access and consumer fees","parent_title":"New Jersey debt and debt relief law","edition":"pass-01","path":"/research/s_nj--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":10,"claims":41,"sources":35,"review_status":"revise","review_complete":true,"sha256":"fcf4c9965cb2d4fdf1ad8bf716f60c23ffa5155e3ae04b06444a70d613112eb7","headings":["Principal findings","1. What conduct New Jersey classifies as debt adjustment","The statute uses alternative activity tests","Consumer versus business purpose","New Jersey residents and remote providers","2. Which models are prohibited, licensed, registered, or conditionally exempt","Ordinary licensing route","Exclusions and their failure conditions","Important defects in the posted FAQ","3. Applicable fee bases, limits, adjustments, and credits","Reconciliation of $15, $25, $35, and $60","Income, family units, and cancellation","4. When fees may be requested or received","New Jersey requirements established","Attorney fees","Housing-counseling fee conditions incorporated by New Jersey","Independently applicable federal TSR — common context only","5. Actual regulator procedure, applications, and public lookup","Debt-adjuster licensing","Separate high-cost home-loan counseling registration","Public verification and its limit","6. Worked fee and boundary examples","7. Component coverage and next investigations","B.1. New Jersey legal authorities and adoption chain","B.2. Operational materials, interpretation, courts, and legislative status","B.3. Federal sources used for the limited timing and incorporated-fee analysis","D.1. Plain-text examples","Example 1 — Lower income and an earlier fee","Example 2 — Lower debt does not change the fee denominator","Example 3 — Partial settlement does not restart the monthly cap","Example 4 — Counseling setup plus maintenance","Example 5 — One family client","Example 6 — Ordinary for-profit, noncustodial settlement: classification hold","Example 7 — Midmonth cancellation","Example 8 — HUD intake and default counseling","Example 9 — Federal first-payment condition","D.2. Coverage and exact remaining investigations within PASS-01","Specific failed-source routes preserved","D.3. Required later passes remain open"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NJ/pass-01","facets":{"geography":["us","us-nj"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},{"key":"s_nj--pass-02","task":"S_NJ","title":"SNJ Current market-access / fee-authority authentication only","parent_title":"New Jersey debt and debt relief law","edition":"pass-02","path":"/research/s_nj--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":10,"sources":11,"review_status":"revise","review_complete":true,"sha256":"9e05b7cf61ad769395aa3eebbec0fa3153128a90e6d9cd4053576c70d66828f5","headings":["A. Findings","1. Current N.J.S.A. 17:16G-2","2. Current N.J.S.A. 17:16G-6","3. What happened to the 2024–25 for-profit reform bill, and did it amend §§2 or 6 in 2026?","4. Anchor Law, A-0052-23 — official later docket/status after May 9, 2025"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NJ/pass-02","facets":{"geography":["us","us-nj"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"ONLY current market-access/fee-authority authentication: (1) obtain readable official currentN.J.S.A.17:16G-2 and17:16G-6 with exact provenance/version, and verify any material2026 enacted amendment affecting those clauses; (2) obtain an actual official later appellate/SupremeCourt docket/status/order for AnchorLawA-0052-23 afterMay9,2025, including any stay/certification/reversal/disposition. Existing45page court-issued PDF on CCH was freshly read by coordinator throughpp44-45; do not repeat its holding as new work. Official Legislature downloadableSTATUTES-TEXT.zip was a real observed lead but unsupported by the prior ordinary web reader; a readable official public alternative or authenticated section/enactment chain is needed, no API/login/access workaround. SourceS029 reproduced2026 release is not official action history. Do not rerun allNJ classification, ordinary fee examples/HUD/TSR, old readoption chain, or named-provider/contract/funds research. Keep those distinct gaps open. If a needed route remains inaccessible, give exact route/results and a materially new usable next source, not invented current text.","pending_corrections":0},{"key":"s_nj--pass-03","task":"S_NJ","title":"SNJ correction to authority overreach","parent_title":"New Jersey debt and debt relief law","edition":"pass-03","path":"/research/s_nj--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":4,"claims":7,"sources":8,"review_status":"revise","review_complete":true,"sha256":"3ed03c2c9d2a48bab414342da67289b2cea3577d5c3f1817f1d7fc12cfe1e29e","headings":["A. Exact PASS-02 old-claim patch map","B. Opening conclusions corrected","Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NJ/pass-03","facets":{"geography":["us","us-nj"],"debt_type":[],"stage":[],"subject":[]},"scope":"P2-C003/C005/C006/C010, opening conclusions and coverage upgrades exceed demonstrated authority if they say current section wording or absence of enacted amendment is resolved by pre-filed/introduced bill baselines plus compilation-root date. These prove what the bill reproduces/proposes and what version the root labels, not the target sections as of October24 or a complete final-action/enactment chain. Retain only no enactment verified in bounded checked sources unless additional actual official current text or final-action evidence is read. Later A3489 movement is not established by an introduced-version URL. This review asserts no contrary enactment.","pending_corrections":0},{"key":"s_nm--pass-01","task":"S_NM","title":"SNM New Mexico provider market access and consumer fees","parent_title":"New Mexico debt and debt relief law","edition":"pass-01","path":"/research/s_nm--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":13,"claims":41,"sources":25,"review_status":"revise","review_complete":true,"sha256":"60400d6e11f9bb7dd70d3372b3bdc006c53f0216eb42b4e435d8c8e031550fc6","headings":["Bottom-line disposition","1. How New Mexico classifies debt adjustment, settlement, DMP, credit counseling, and related conduct","1.1 Operative classification elements","1.2 Model-by-model classification","1.3 Consumer versus business purpose","2. Prohibited, licensed, registered, authorized, or exempt?","2.1 Covered debt adjusting is prohibited, not ordinarily licensed","2.2 Exact statutory exclusions and failure cases","2.3 Institutional exclusions","2.4 Collection-agency licensing is a separate legal track","3. State fee structures, limits, indexing, refunds, and credits","3.1 No current Debt Adjusters Act fee schedule was found","3.2 Fee treatment by category","3.3 The failed Uniform Debt-Management Services Act must not be used","3.4 Refunds and return of funds","4. When fees may be requested or received","4.1 New Mexico state timing","4.2 Conditional federal TSR debt-relief timing","4.3 Dedicated account conditions","4.4 TSR coverage qualifications","4.5 Separate credit-improvement and CROA overlap","5. Regulator permission, lookup, application, and public market access","5.1 Enforcement authority","5.2 Financial Institutions Division materials","5.3 Market-access conclusion","6. Worked fee and boundary examples","7. Component boundary and next investigations","B1. New Mexico law, legislative history, and judicial authority","B2. Adjacent regulation and current regulator materials","B3. Conditional federal fee and marketing overlap","C1. Classification and scope claims","C2. Permission and exclusion claims","C3. State fee, timing, and remedy claims","C4. Conditional federal claims","Example E1 — Custodial principal-reduction program","Example E2 — Proportional fee after one partial resolution","Example E3 — Lower-debt savings calculation","Example E4 — Previous fee exceeds the amount earned on the first resolved debt","Example E5 — Direct-pay, noncustodial settlement","Example E6 — Creditor’s no-cost settlement versus debtor fee","Example E7 — Claimed nonprofit DMP","Example E8 — Attorney-connected program","Example E9 — Advance fee before any settlement","Example E10 — Dedicated-account withdrawal","Actually read and checked","Not read or not established","Method limitations and integrity statement"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NM/pass-01","facets":{"geography":["us","us-nm"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh NewMexico provider-access/fees component only; all broader state categories remain required","pending_corrections":0},{"key":"s_nm--pass-02","task":"S_NM","title":"SNM bounded correction to original","parent_title":"New Mexico debt and debt relief law","edition":"pass-02","path":"/research/s_nm--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":15,"claims":7,"sources":4,"review_status":"accepted_with_limits","review_complete":true,"sha256":"da7a19236df8967fe84480fbdbd41fd763dfde59d15e485b6969c0493cef7f4e","headings":["1. Loan-arranger/lender exclusion replacements","1.1 Replace the affected model-classification row","1.2 Replace the affected exact-exemption row","1.3 Replace the affected fee-treatment cell","1.4 Replace the affected coverage-table row","1.5 Replace original claim C016","2. Court and legislative-index pinpoint replacements","2.1 Replace original source S011","2.2 Replace original claim C008","2.3 Replace original claim C038","2.4 Replace original source S008","2.5 Replace the source/pinpoint portion of original claim C021","3. Replace E10’s result and New Mexico boundary","E10 — replacement text only","4. Federal wording replacements","4.1 Replace original claim C028","4.2 Replace the credit-improvement paragraph in Section 4.5","4.3 Replace original claim C033","Bounded researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NM/pass-02","facets":{"geography":["us","us-nm"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Onlyloan-exclusionauthorizationpredicate,sourcepage-labelnormalization,E10earning/NMhold,andprecisefederaltriggerwording","pending_corrections":0},{"key":"s_ny--access-01","task":"S_NY","title":"SNY ACCESS-01 — Source provenance correction","parent_title":"New York debt and debt relief law","edition":"access-01","path":"/research/s_ny--access-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":2,"claims":0,"sources":1,"review_status":"revise","review_complete":true,"sha256":"91ad97dc333b644b947cbe1f2d9b1be173038954595333b7d3743b10b258b131","headings":["1. Corrected S_NY-P02-C005 finding and status","Prior evidence reuse","2. Corrected S_NY-P02-S003 source-register row","3. Claim, source and coverage disposition","4. Residual holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NY/access-01","facets":{"geography":["us","us-ny"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"","pending_corrections":0},{"key":"s_ny--pass-01","task":"S_NY","title":"SNY New York debt-adjustment and debt-settlement provider law","parent_title":"New York debt and debt relief law","edition":"pass-01","path":"/research/s_ny--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":10,"claims":45,"sources":28,"review_status":"revise","review_complete":true,"sha256":"4279447b9a0dfb4ad50af0b6bf31fff9f84acdc53cb05edb9c07f839526f189d","headings":["1. Executive findings","2. Detailed statutory findings","2.1 Regulated activity and geographic reach","2.2 Attorneys, nonprofits and counseling","2.3 Licensing, bonding and operational requirements","2.4 Contracts, disclosures and cancellation","2.5 Enforcement","3. DFS licensing materials and fee findings","4. Federal Telemarketing Sales Rule overlay","CFPB withdrawal check","5. Worked examples and operational consequences","Example A — Federal TSR fee allocation","Example B — Savings-based fee","Example C — Three-business-day cancellation","Example D — Failed enrollment and disbursement","Operational evidence checklist","6. Additional regulatory and licensing findings","Consumer complaint and remediation pathway","7. Source register","8. Claim/evidence register","8. Claim/evidence register — continuation","8.1 Remaining claim rows","8.2 Evidence-integrity corrections","9. Granular coverage register","9.1 Category 1 — Every assigned seed","9. Granular coverage register — remaining rows","9.1 Category 1 — Continued","9.2 Other six parent-assignment categories","10. Most consequential publication holds","11. Next focused research questions","12. Article, tool and document opportunities","13. Worked-example verification","14. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NY/pass-01","facets":{"geography":["us","us-ny"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation"]},"scope":"Category1 provider regulation only; all other New York categories pending","pending_corrections":0},{"key":"s_ny--pass-02","task":"S_NY","title":"SNY New York provider fees, cancellation and debtor funds","parent_title":"New York debt and debt relief law","edition":"pass-02","path":"/research/s_ny--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":6,"claims":13,"sources":18,"review_status":"revise","review_complete":true,"sha256":"867f960e222fec8b67895a86dcf14524d333206b3802ce87dd0ce69eb78c2ec1","headings":["1. Findings and regulatory status","S_NY-P02-C001 — Part 402 applicability","S_NY-P02-C002 — Part 404 is substantively relevant","S_NY-P02-C003 — Fee-structure modification","S_NY-P02-C004 — Counseling and creditor payments","S_NY-P02-C005 — Rescission and counseling-fee exception","S_NY-P02-C006 — Trust-account titling and individual debtor accounting","S_NY-P02-C007 — Bond coverage and reporting","S_NY-P02-C008 — Records and examination trail","S_NY-P02-C009 — Ordinary termination is distinct from rescission","S_NY-P02-C010 — Official compilation and amendment history","2. Source register","3. Additional Part 404 findings","Source-register additions","4. Claim/evidence register","5. Granular coverage table","6. Conditional refund illustration","7. Corrections to pass-01","8. Persistent publication holds","9. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NY/pass-02","facets":{"geography":["us","us-ny"],"debt_type":[],"stage":[],"subject":["definitions-classification","fees-outcomes","client-money","provider-licensing"]},"scope":"Current NY provider fee/cancellation/funds regulations; other categories remain pending","pending_corrections":0},{"key":"s_nc--pass-01","task":"S_NC","title":"SNC, North Carolina provider market access and consumer fees","parent_title":"North Carolina debt and debt relief law","edition":"pass-01","path":"/research/s_nc--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":10,"claims":36,"sources":29,"review_status":"revise","review_complete":true,"sha256":"fbfea53275786eac3015cf8fc123acd44c14698031d5ffb76a094ca54be6a997","headings":["A. Substantive findings","1. Classification depends on the actual services, money flow, compensation, and debtor","2. Market access: prohibition, conditional exceptions, and unresolved boundaries","3. Verified consumer-fee structures and limits","4. When fees may be requested or received","5. Actual public permission, application, and lookup materials","6–7. Examples, coverage, and acceptance boundary","B. Source register","Sources actually read","Unavailable or not substantively read","C. Claim register","D. Worked examples and coverage/gap table","Worked examples","Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NC/pass-01","facets":{"geography":["us","us-nc"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_nc--pass-02","task":"S_NC","title":"Noncustodial postperformance fees and the unit of completion","parent_title":"North Carolina debt and debt relief law","edition":"pass-02","path":"/research/s_nc--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":23,"sources":24,"review_status":"revise","review_complete":true,"sha256":"d7d26e7acbe7068157f512c972a021f248934983548051482bd7f41ad2c65ae1","headings":["Noncustodial postperformance fees and the unit of completion","A. Substantive findings","1. The fully performed noncustodial model: a supported coverage distinction","2. Per-debt completion remains the decisive unresolved boundary","3. Orion supplies adverse language and enterprise findings, but the procedural stages matter","4. Erwin expressly reserved the merits, and its appeal history is not cleared","5. Consumer Law Group: the actual judgment supplies limited permission","6. Other targeted authorities did not close the gap","B. Actual source register","Statutes and interpretive materials","Judicial documents and official enforcement reporting","Currentness and proposed-law checks","C. Claim register","D. Earlier-claim patch map — original IDs preserved","E. Failed routes and discovery-only leads","These are not entries in the substantive source register","F. Dependency crosswalk","Imported PASS-01 material is distinguished from fresh reading","G. Conditional boundary examples","Example 1 — Fully completed single engagement","Example 2 — One completed account in a continuing program","H. Component coverage and remaining gaps","I. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NC/pass-02","facets":{"geography":["us","us-nc"],"debt_type":[],"stage":["resolution"],"subject":["fees-outcomes"]},"scope":"Resolve onlypurelynoncustodial after-full-performance debtor-side model and per-debt/whole-servicecompletion under14-423/424. Reopenofficial2015NCBC102/2016NCBC100; distinguishenterpriseholdings,2018Erwinarbitrationreservation andactualConsumerLawGroupconsentjudgment(notjustDOJreport). Seekcontrollingcurrentmerits/formalinterpretation and laterhistory. PatchC006/C016-C019. Do notredoDMPmath/federaloverview; moneytransmissionseparate.","pending_corrections":0},{"key":"s_nd--pass-01","task":"S_ND","title":"SND North Dakota provider market access and consumer fees","parent_title":"North Dakota debt and debt relief law","edition":"pass-01","path":"/research/s_nd--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":37,"sources":21,"review_status":"scoped_review_complete_with_explicit_limits","review_complete":true,"sha256":"77da7e85fffaa107e295f622efa8b8a8622ac251f0faceca528feae9b5a72692","headings":["Bottom line","1. Classification of conduct","1.1 Operative classification matrix","1.2 Marketing labels do not decide coverage","1.3 Consumer versus business-purpose debt","1.4 Resident and remote-provider nexus","2. Prohibited, licensed, bond-filed, and excluded models","2.1 Chapter 13-11: licensed activity","2.2 Chapter 13-11 exclusions","2.3 Self-creditor conduct","2.4 Chapter 13-07: bond-filed activity, not ordinary licensing","2.5 Nonprofit history reconciled","3. Consumer and provider fees","3.1 Consumer-fee matrix","3.2 Chapter 13-11 savings formula","3.3 Chapter 13-11 fee trigger","3.4 Installment settlement ambiguity","3.5 Settlements above 50% of principal","3.6 Chapter 13-11 cancellation and the “application fee” inconsistency","3.7 Chapter 13-07 fee base and first-payment ambiguity","3.8 Chapter 13-07 cancellation gap","4. State timing versus the federal TSR","4.1 Conditional federal baseline","4.2 Consequences for the North Dakota pathways","4.3 Credit-improvement representations","5. Regulator procedure, public lookup, and present market access","5.1 Chapter 13-11 procedure","5.2 Chapter 13-07 procedure","5.3 Rules and currentness","B.1 Current primary and official operational sources","B.2 Enactments and currentness sources","B.3 Federal and judicial sources","C.1 Classification and nexus claims","C.2 Permission and exclusion claims","C.3 Consumer-fee, timing, and refund claims","C.4 Federal interaction, case law, and currentness claims","Example 1 — Chapter 13-11 lump-sum settlement","Example 2 — Lower debt settled above 50% of principal","Example 3 — No savings","Branch A: amount paid exceeds principal","Branch B: amount paid equals principal","Example 4 — Two debts, prior earned fee, and cancellation","Debt A","Debt B","Cancellation","Example 5 — Installment settlement hold","Example 6 — Chapter 13-07 later deposit","Example 7 — Chapter 13-07 initial payment: unresolved gross versus net base","Conservative net-base branch","Unresolved gross-base branch","Example 8 — Small initial Chapter 13-07 payment","Conservative net base","Gross alternative, unresolved","Example 9 — Chapter 13-07 cancellation with prior fees","Actually read","Not read or not established","Method and status limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ND/pass-01","facets":{"geography":["us","us-nd"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh NorthDakota provider-access/fees component only; allbroaderstatecategoriesrequired","pending_corrections":0},{"key":"s_nd--pass-02","task":"S_ND","title":"Four remaining fee-timing and refund questions","parent_title":"North Dakota debt and debt relief law","edition":"pass-02","path":"/research/s_nd--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":13,"claims":46,"sources":28,"review_status":"scoped_coordinator_four_interpretation_holds_review_complete_unresolved_with_source_currentness_contract_application_holds","review_complete":true,"sha256":"7210ed7b0eda9f3f6fb29554912471546ec6ae1441381b56c73a928aa3e42b57","headings":["Four remaining fee-timing and refund questions","Before/after proposition map","1. Chapter 13-11: installment settlements and fee collection","1.1 The operative provisions address different events","1.2 Reconciliation supported by the text, but not conclusively adjudicated","1.3 Conditional federal overlay: complete relevant conditions","2. Chapter 13-11: cancellation, material violation, application fees, and invalid contracts","2.1 The application-fee inconsistency remains literal and unresolved","2.2 Distinct cancellation and recovery branches","2.3 Refund accounting, payment authority, and creditor notice","3. Chapter 13-07: initial fee base and residual collection","3.1 What the current text establishes","3.2 Gross versus net remains an interpretive hold","3.3 “Partial payment” does not resolve residual fee collection","4. Chapter 13-07: cancellation, retained fees, and pending trust money","4.1 The chapter supplies several clocks—but no express universal refund clock","4.2 Pending money and previously retained fees are separate questions","4.3 Conditional contract-law timing","4.4 Uniform Trust Code: possible, not automatic","4.5 Rescission, restitution, and AG restoration are distinct avenues","4.6 Exact missing contractual provisions","B.1 Governing text and historical enactments","B.2 Generic agency materials, published opinions, and discovery sources","B.3 Source-access failures and recovery limits","C.1 Installment and federal interaction claims","C.2 Chapter 13-11 cancellation and invalidity claims","C.3 Chapter 13-07 fee and cancellation claims","C.4 Trust, restitution, authority, and research-limit claims","Model 1 — Installment settlement: federal eligibility is not state permission","Model 2 — Cancellation after one settled debt: consistent method and prior fee","Model 3 — First Chapter 13-07 payment: two calculations, no approved range","Model 4 — Chapter 13-07 cancellation with prior fees and pending funds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ND/pass-02","facets":{"geography":["us","us-nd"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Only four reviewed P01 installment/application-fee/first-deposit/cancellation-refund interpretation holds","pending_corrections":0},{"key":"s_oh--pass-01","task":"S_OH","title":"SOH Ohio provider market access and consumer fees","parent_title":"Ohio debt and debt relief law","edition":"pass-01","path":"/research/s_oh--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":40,"sources":21,"review_status":"revise","review_complete":true,"sha256":"049e72ae393576ef8da692a78492d7cbce44595aeb8f769bafc281ce109816f3","headings":["A. Substantive findings","1. Classification follows the activity and representations","2. Market access: compliance, actual exemptions, and a separate registration regime","3. Current fee structures and the limits of what was established","4. When fees may be requested or received","5. What public market-access evidence was actually verified","6–7. Examples, coverage, and remaining investigations","B. Source table","Controlling and interpretive materials","Procedure, legislative status, historical comparison, and failed routes","C. Claim table","D. Worked examples and coverage/gaps","D.1. Plain-text worked examples","D.2. Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OH/pass-01","facets":{"geography":["us","us-oh"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_oh--pass-02","task":"S_OH","title":"Remaining evidence: §4710.02 fee bases and aggregation","parent_title":"Ohio debt and debt relief law","edition":"pass-02","path":"/research/s_oh--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":15,"sources":9,"review_status":"revise","review_complete":true,"sha256":"011230c89817d03ee04d40ec9fbd9cbd099452a72d0959a3e089e498d714719f","headings":["Remaining evidence: §4710.02 fee bases and aggregation","A. Substantive findings","1. Initial setup, initial consultation, and the annual consultation limit","2. Multiple weekly or other submonthly administration charges","3. Fee-inclusive debit versus money paid for creditor distribution","4. Stand-alone savings-, principal-, or per-debt success fees","B. Actual-source register — documents retrieved and relevant passages read","Status reconciliation","C. Claim table","D. Actual earlier-claim patch map","Example disposition","E. Failed routes — excluded from the actual-source register","F. Dependency crosswalk — carried findings and unverified dependencies","G. Component coverage and exact remaining investigations","H. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OH/pass-02","facets":{"geography":["us","us-oh"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Resolve only4710.02feebasis/aggregation: setupversusinitialconsultationand100annualcap; multipleweekly/submonthlycharges; fee-inclusivedebitversusactualdistributionbase; standalonesavings/principal/per-debtsuccessfeepathway. Seekcontrollingofficialinterpretation/casesandcurrentstatus. Preservegreater-of8.5%or30 andhardship. PatchC024-C026/examplesonlyifnewauthoritywarrants. NofullOhiooverview/CSOclearance.","pending_corrections":0},{"key":"s_ok--pass-01","task":"S_OK","title":"SOK Oklahoma provider market access and consumer fees","parent_title":"Oklahoma debt and debt relief law","edition":"pass-01","path":"/research/s_ok--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":38,"sources":15,"review_status":"provider_component_reviewed_with_primary_currency_and_scope_holds","review_complete":true,"sha256":"f22e31743cdeb3c826c7744a6351c49b2d4874e6e497bb774d91d5bf9fc27225","headings":["Bottom-line disposition","1. Current classification of debt adjustment, settlement, DMP, credit counseling, and related fee-taking conduct","1.1 Oklahoma debt pooling is a conduct-based prohibition","1.2 The debt-pooling exclusions are narrow and model-specific","1.3 Consumer versus business purpose under the pooling statute","1.4 The separate Credit Services Organization Act","1.5 Custodial and noncustodial boundaries","1.6 Resident and remote-provider nexus","2. Prohibited, licensed, authorized, or exempt status by business model","2.1 Prohibited model","2.2 Licensed model","2.3 CSO definitional exclusions","2.4 Attorney and nonprofit failure cases","2.5 No affirmative pure-settlement safe harbor established","3. Applicable consumer fee structures, limits, indexing, and refunds","3.1 Debt pooling","3.2 Oklahoma CSO consumer fees","3.3 State payment timing","3.4 Trust-account amount and duration","3.5 Cancellation and refunds","3.6 Government charges are not consumer fee ceilings","4. When fees may actually be requested or received","4.1 Oklahoma-only state timing matrix","4.2 Federal TSR debt-relief timing, when applicable","4.3 Federal dedicated-account conditions","4.4 Federal credit-improvement timing","4.5 Conditional CROA overlap","5. Actual regulator permission, public procedure, and lookup evidence","5.1 Issuing regulator","5.2 Current application pathway","5.3 Public lookup","5.4 Official-rule limitation","6. Worked fee and boundary examples","7. Component result and required next investigations","S_OK-P1-S011 direct-section URL inventory","Example 1 — Direct custodial DMP/debt pooling","Example 2 — Oklahoma CSO timing without and with trust-account qualification","Branch A: bond but no qualifying trust account","Branch B: accepted $10,000 bond plus qualifying Oklahoma trust account","Example 3 — Timely Oklahoma cancellation","Example 4 — TSR proportional-to-enrolled-debt allocation","Example 5 — TSR percentage-of-savings method","Example 6 — Lower debt, prior fee, and later cancellation","Example 7 — Settlement signed but no creditor payment","Example 8 — Dedicated account withdrawal","Pass coverage and gap table","Actually read or inspected","Not actually read or not established","Method and assertion controls"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OK/pass-01","facets":{"geography":["us","us-ok"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","provider-licensing"]},"scope":"First extensive Oklahoma provider market access/consumer-fees component only; all broader state dimensions remain required.","pending_corrections":0},{"key":"s_or--pass-01","task":"S_OR","title":"SOR Oregon provider market access and consumer fees","parent_title":"Oregon debt and debt relief law","edition":"pass-01","path":"/research/s_or--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":8,"claims":37,"sources":25,"review_status":"revise","review_complete":true,"sha256":"65281f3692ad70538f2e1bfee21508eb4e67a82d735e3a6126358841953fcdbe","headings":["Executive determination","1. Current classification and definitions","1.1 Covered “consumer”","1.2 Covered activities","1.3 Principal reduction versus ordinary concessions","1.4 Custodial and noncustodial models","1.5 Resident and remote-provider nexus","2. Prohibited, registered, conditionally exempt, and unresolved models","2.1 Market-access matrix","2.2 Why ORS 697.612(2) is not treated as a universal for-profit settlement prohibition","2.3 Attorney exemption","2.4 Nonprofit status","3. Current Oregon fee structures","3.1 Controlling fee matrix","3.2 Which fees can coexist","3.3 No separate per-debt contract or duplicate joint-debt fees","3.4 CPI adjustment authority and current amount verification","3.5 Dated Appendix A and current DFR webpage","4. When fees may be requested or received","4.1 Oregon state timing","4.2 Credit-only budget-analysis conflict","4.3 Federal TSR timing — conditional overlay","4.4 Federal dedicated account","4.5 Credit-repair federal overlap","5. Regulator permission, application, and public lookup","5.1 Regulator and application channel","5.2 Term and renewal","5.3 Public lookup","5.4 Advertising","6. Worked fee and boundary examples","Example 1 — Custodial monthly fee","Example 2 — Noncustodial enrolled-debt fee","Example 3 — Low-balance principal-savings fee","Example 4 — Same-method proportional allocation after partial settlement","Example 5 — Same savings method across debts","Example 6 — Previous provider fees do not reduce creditor-payment input","Example 7 — Three-business-day cancellation","Example 8 — Later custodial cancellation","Example 9 — Overcharge remedy","Example 10 — Credit-only first month","Example 11 — Entity debt versus individual business debt","Actually read or inspected","Not read, not completed, or expressly held"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-01","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Distinct active unlaunched Oregon provider-access/fees component; all other state dimensions remain required","pending_corrections":0},{"key":"s_or--pass-02","task":"S_OR","title":"SOR bounded correction to","parent_title":"Oregon debt and debt relief law","edition":"pass-02","path":"/research/s_or--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":6,"sources":7,"review_status":"accepted_with_limits","review_complete":true,"sha256":"4ae9b0921c5c00c3f7b169a072c7ef497da5dbd1f31980f8e342c6e4bd00e959","headings":["1. Replacement for Example 8","Example 8 — Later custodial cancellation","Scenario A — $1,000 represents starting receipts","Scenario B — $1,000 represents the current amount held","Currentness qualification","2. Replacement for PASS-01 §4.5 — federal credit-repair overlap","3. Replacement savings-fee timing qualification","4. Stable PASS-01 claim-cell replacements","5. New corrective claims","6. Minimal document and version-usage corrections","7. Affected coverage patch","8. Researcher self-check","Freshly opened and read for this correction","Reused or preserved without fresh full rereview","Failed or not completed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-02","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyE8money-state correction, exactcreditrepair/CROAtiming, Appendixdischarge/currentness qualifiers and minimaldocumentaliases/archivedbillqualification","pending_corrections":0},{"key":"s_or--pass-03","task":"S_OR","title":"SOR Oregon consumer funds and trust-account component","parent_title":"Oregon debt and debt relief law","edition":"pass-03","path":"/research/s_or--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":28,"sources":14,"review_status":"revise","review_complete":true,"sha256":"4aae82f9fca93f0754663462e8767c5279730b240ae420222916cdbeec33a299","headings":["Currentness limitation","1. Which providers and funds flows must use an Oregon trust account","1.1 The trigger is actual direct or indirect custody—not the program label","1.2 The noncustodial branch is narrow","1.3 Debts, creditors, and beneficiaries","1.4 Registration-exempt actors","2. Account establishment, institution, insurance, ownership, segregation, deposits, disbursements, and withdrawals","2.1 Establishment and Oregon location","2.2 “Insured institution” means the FDIC-based category","2.3 Separate versus pooled account","2.4 Segregation and commingling","2.5 What must enter the trust account","2.6 What may leave the trust account","2.7 Noncustodial withdrawals","2.8 Interest and bank-maintenance fees","2.9 Maximum balance and insurance qualification","2.10 Waivers, exceptions, and agency approval","3. Ledgers, reconciliation, records, consumer access, bank information, and regulator examination","3.1 Required consumer and trust records","3.2 No explicit reconciliation cadence located","3.3 Consumer statements and account access","3.4 Regulator notice and examination","3.5 Processor and bank authority","4. Cancellation, termination, failed plans, closure, and insolvency","4.1 Consumer cancellation","Preserved money-state distinction","4.2 Provider cancellation","4.3 Failed settlement or failed plan","4.4 Protection from provider creditors","4.5 Insolvency and regulatory intervention","4.6 Continuing record duties","5. Narrow Oregon money-transmission gateway","5.1 Statutory gateway","5.2 Relevant exemptions—but no express DMSP exemption","5.3 Debt Pay Gateway enforcement order","5.4 Set Forth enforcement order","5.5 Waiver and opinion routes","Model 1 — Custodial provider","Model 2 — Actual noncustodial settlement","Model 3 — Independent custodial administrator","Assumptions","Freshly read or inspected","Reused without rerunning","Search-only or inaccessible","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-03","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":["client-money","limitations-revival"]},"scope":"Remaining consumer-money/trust-account component from reviewed P1gap; fee-currentness/savings/credit-only and broader stateholds stayopen.","pending_corrections":0},{"key":"s_or--pass-04","task":"S_OR","title":"SOR bounded source-pinpoint and order-wording correction","parent_title":"Oregon debt and debt relief law","edition":"pass-04","path":"/research/s_or--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":9,"sources":8,"review_status":"accepted_with_limits","review_complete":true,"sha256":"9ccf578cf85de1d96cc3b873cc8ff10e7c68cc4604220229d120a99c3b89b833","headings":["1. Old → corrected patch index","S002 usages checked but not changed","2. Corrected affected source cells","S_OR-P3-S002 — replacement source cell","S_OR-P3-S001 — replacement source-status cell","S_OR-P3-S009 — replacement source/access cell","S_OR-P3-S011 — corrected subsection (2) usage","S_OR-P3-S013 — replacement source cell","S_OR-P3-S014 — replacement source cell","3. Corrected affected claim cells","4. Replacement for P3 §5.4 order wording","5. Minimum new source-usage rows","6. Coverage and gap disposition","7. Researcher self-check","Freshly read or visually inspected for PASS-04","Reused without rerunning","Access failures and provenance limits preserved","Not read or performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-04","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":[]},"scope":"BoundedP3printedpage/index/source-history/order-continuationwording corrections only; fullfunds/currentness/overlap/broaderholdsunchanged.","pending_corrections":0},{"key":"s_or--pass-05","task":"S_OR","title":"SOR Oregon debt-management bond/security and consumer-recovery component","parent_title":"Oregon debt and debt relief law","edition":"pass-05","path":"/research/s_or--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":34,"sources":12,"review_status":"revise","review_complete":true,"sha256":"acb66ef86a4605528114834c0c1f2b45b8f9518bee4fee6b3b7a2060b2168dd4","headings":["Currentness and source limitation","1.1 Who must furnish the bond","1.2 Current amount","1.3 Issuer and form","1.4 Payee and protected interests","1.5 Security and money categories must remain separate","2.1 Bond condition","2.2 Consumer private liability and bond action","2.3 The 697.707 mismatch remains unresolved","2.4 Records violations present the opposite boundary","2.5 Court order, Director order, and exhaustion","2.6 Attorney fees","2.7 Director enforcement and damages for consumers","2.8 Restitution versus civil penalty: RH Law Group","2.9 No universal treble damages or automatic penalty transfer","3.1 Surety cancellation and loss-payment notice","3.2 Provider replacement or cessation","3.3 Change in bonding company","3.4 Bond lapse and enforcement","3.5 Record retention","3.6 Claims timing","3.7 Former administrative bond-claim statutes were repealed","3.8 Aggregate limit and multiple claimants","3.9 Public record of bond collection","3.10 Insolvency and cessation","4.1 Electronic surety procedure","4.2 Complete Oregon-specific form not recovered","4.3 Consumer disclosure identifies the surety","4.4 Public registration lookup","4.5 Complaint directions","5.1 Oregon appellate decisions","5.2 RH Law Group formal agency application","5.3 Other DFR enforcement orders","Example 1 — Single covered loss below the displayed bond amount","Assumptions","Calculation","Result","Example 2 — Single loss larger than the displayed bond amount","Assumptions","Calculation","Result","Example 3 — Multiple consumers and unresolved aggregate allocation","Assumptions","Arithmetic","Supported conclusion","Unsupported allocations that must not be invented","Prior-payment variable","Freshly read or inspected","Explicit reuse","Failed or incomplete source routes","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-05","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":["counseling-dmp","provider-security","provider-remedies","limitations-revival"]},"scope":"Reviewed P3excluded bond/security/consumerrecovery component; independentofunreviewedP4pinpointpatch, allremainingholdsretain.","pending_corrections":0},{"key":"s_or--pass-06","task":"S_OR","title":"SOR bounded precision correction to","parent_title":"Oregon debt and debt relief law","edition":"pass-06","path":"/research/s_or--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":6,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"7879dd4737c3d9496de0da82c94c1c9ffc7b8d7d70b9cbc6965d8696ecbf04e8","headings":["1. Old → corrected patch table","S_OR-P5-C020 — replacement","Replacement for PASS-05 §3.7","S_OR-P5-C024 — replacement","Corrected security/claimant/remedy matrix row","Replacement for the affected PASS-05 narrative","S_OR-P5-C031 — replacement","Replacement for PASS-05 §2.8 / §5.2 RH discussion","S_OR-P5-S009 — corrected affected source cell","S_OR-P5-S007 — corrected ORS 697.762 usage","S_OR-P5-S012 — corrected source cell","Freshly read for PASS-06","Reused without rerunning","Access and provenance preserved","Not read or established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-06","facets":{"geography":["us","us-or"],"debt_type":[],"stage":[],"subject":[]},"scope":"P5 C020operative/effective/contractapplicability, C024claim-inclusion-versus-court-award, C031joint-authority precision only.","pending_corrections":0},{"key":"s_or--pass-07","task":"S_OR","title":"SOR Oregon mandatory agreement, disclosure, and consent component","parent_title":"Oregon debt and debt relief law","edition":"pass-07","path":"/research/s_or--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":42,"sources":19,"review_status":"revise_bounded_waiver_subject_severability_wording_pending","review_complete":true,"sha256":"a3b8ffb15ab72544794da66c6e3d34f0a8b5b7a04af1bb25a0540732b404169d","headings":["Currentness limitation","1. Prerequisites before agreement, services, and money","1.1 Best-supported state sequence","Important sequence distinction","1.2 General budget-analysis contents","1.3 Credit-improvement budget","1.4 Suitability, feasibility, and ability","1.5 Model distinctions","2.1 Written agreement clauses","2.2 Required disclosure document","2.3 Model/application matrix","3.1 Formation and copies","3.2 Oregon UETA baseline","3.3 Special consumer electronic-consent conditions","3.4 Retainability and delivery","3.5 Federal E-SIGN","3.6 Primary-residence notices","3.7 Cancellation by email or fax","3.8 Record retention","3.9 Language, readability, and form","4.1 Consumer cancellation","Early branch","Later branch","4.2 Provider termination","4.3 Void waivers and prohibited clauses","4.4 Adding debts or changing services","4.5 Fee or payment changes","4.6 Assignment and successor provider","4.7 Automatic renewal and continuous service","5.1 Current application materials","5.2 Public model documents","5.3 Persels & Associates, LLC v. DCBS","5.4 Daniel March / Litigation Practice Group final order","5.5 Trimarche / GST Factoring consent order","5.6 Premier Legal Service default order","5.7 No controlling e-signature or amendment case located","Example 1 — Compliant paper-sequence boundary","Assumed events","Result","Failure variants","Example 2 — Electronic agreement workflow","Assumptions","Result","Failure variants","Example 3 — Noncustodial settlement disclosures","Inputs","Required document result","Remaining hold","Example 4 — Cancellation delivery and current balance","Early branch","Later branch","Preserved balance cases","Example 5 — Adding a new debt","Starting agreement","Later event","Supported boundary","Unresolved mechanics","Example 6 — Prohibited waiver and blank-field clause","Proposed terms","Result"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_OR/pass-07","facets":{"geography":["us","us-or"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures","limitations-revival","privacy-data"]},"scope":"ExactreviewedP1remaining fullagreement/disclosure/signature/electronicconsent/amendment/notice/language gap, priorreviewedfee/funds/bond andP6unaccepted precisionholds retained.","pending_corrections":1},{"key":"s_pa--pass-01","task":"S_PA","title":"SPA Pennsylvania provider market access and consumer fees","parent_title":"Pennsylvania debt and debt relief law","edition":"pass-01","path":"/research/s_pa--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":12,"claims":45,"sources":30,"review_status":"revise","review_complete":true,"sha256":"3bdec48c92f6498bf0ada891270c94ae403a84c59084fc36202992b22350537a","headings":["A. Substantive findings","1. Classification follows the actual service, payment arrangement and debt purpose","2. Authorization, prohibition and conditional exemptions","3. Consumer fee structures and current amount limitations","4. When fees may actually be requested or received","5. Actual regulator procedure and public market-access verification","6–7. Worked applications and component coverage","B. Source table","B1. Substantive sources actually read","B2. Discovery and failed-access evidence","C. Claim table","D. Worked examples and coverage/gap table","D1. Plain-text worked examples","D2. Component coverage and exact remaining investigations","D3. Remaining Pennsylvania dossier categories","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_PA/pass-01","facets":{"geography":["us","us-pa"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},{"key":"s_pa--pass-02","task":"S_PA","title":"SPA Pennsylvania DMSA §15(i) annual adjusted fee maxima","parent_title":"Pennsylvania debt and debt relief law","edition":"pass-02","path":"/research/s_pa--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":13,"sources":12,"review_status":"revise","review_complete":true,"sha256":"96f4e8e15ca42f4de0fbd732faf412a5a7a7c28f1a15ebd637998e93264a5292","headings":["Bottom line","1. The three statutory starting figures are authenticated, but they are not automatically the October 2026 figures","2. The adjustment mechanism and relevant anniversary can be bounded","3. DoBS expressly promised annual Pennsylvania Bulletin publication","4. The current annual notice was not found in the official 2025 or 2026 Bulletin indexes","5. The 2026 anniversary issues themselves do not contain the notice in their DoBS contents","6. Nothing published through October 24, 2026 in the current issue cures the gap","7. No rounding instruction was authenticated","Supplied evidence not relabeled as new evidence","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_PA/pass-02","facets":{"geography":["us","us-pa"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"ONLY authenticate the DMSA section15(i) annual adjusted consultation, per-initial-account and monthly aggregate maxima actually applicable on October24,2026. Locate and read the operative DoBS annual notice(s), exact period/effective trigger and any rounding instructions; reconcile printed50/10/50 base amounts with the actual controlling notice. SourceS010 was an unrelated/insufficient Gazette lead, not a cleared current fee schedule. If more than one period or notice is needed, trace it with exact dates; do not calculate a new CPI amount or guess. No repeat DMP classification, worked math, federal overview, DSSA allocation, licensing, seven-day interpretation or NMLS package work. Preserve those distinct later questions.","pending_corrections":0},{"key":"s_ri--pass-01","task":"S_RI","title":"SRI Rhode Island provider market access and consumer fees","parent_title":"Rhode Island debt and debt relief law","edition":"pass-01","path":"/research/s_ri--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":42,"sources":16,"review_status":"revise","review_complete":true,"sha256":"e958b5cca90febb2010bc813e00afcbfdc024998cc4267df5255c830ad8ecb0c","headings":["Executive determination","1. Classification of debt adjustment, settlement, DMPs, counseling, and related conduct","1.1 The governing functional test","1.2 Custodial versus noncustodial models","1.3 Resident and remote-provider nexus","2. Prohibited, registered, authorized, and exempt business models","2.1 Covered providers have a registration pathway","2.2 The law does not establish a nonprofit-only market","2.3 An attorney connection is not enough","2.4 Express exclusions and conditional exemptions","2.5 Access prerequisites","3. Applicable fee structures and limits","3.1 Critical current-dollar hold","3.2 Consumer-fee matrix","3.3 Fee bases and credits","3.4 Refund and termination conditions","4. When fees may be requested or received","4.1 Rhode Island state-law timing","4.2 Federal TSR timing must be applied separately","4.3 Combined operational rule","5. Actual regulator procedure, lookup, and current market access","5.1 Current public application channel","5.2 Evidence that the program is active","5.3 Inaccessible or unverified procedural material","5.4 No current DMS-specific rule or adjustment notice located","6. Worked fee and boundary examples","Example 1 — DMP with four creditors","Example 2 — Monthly count decreases as creditors leave","Example 3 — Lower-debt settlement setup fee","Example 4 — Per-debt settlement compensation with prior fees","Example 5 — Small settlement savings and prior-fee credit","Example 6 — Two debts and aggregate compensation","Example 7 — Later termination and 65% setup refund","Example 8 — Ordinary three-business-day cancellation","Example 9 — Counseling without an agreement","Example 10 — One-time negotiation with no payment schedule","Example 11 — Natural-person business debt versus entity-only debt","7. Immediate implementation implications for SettleADebt.com","Actually read","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_RI/pass-01","facets":{"geography":["us","us-ri"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Rhode Island provider-access/fees component; every broader state category remains required","pending_corrections":0},{"key":"s_ri--pass-02","task":"S_RI","title":"SRI bounded correction patch to saved","parent_title":"Rhode Island debt and debt relief law","edition":"pass-02","path":"/research/s_ri--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":10,"claims":13,"sources":6,"review_status":"accepted_with_limits","review_complete":true,"sha256":"ad1c8fa52c0fc3a0e4fa6dcbb5d395f37a7ebfd0d2dba86a53b4af294fec10e9","headings":["1.1 Replace the cancellation portion of P1 A3.4","Replacement for P1 claim C027","1.2 Replace Worked Example 8","Example 8 — Ordinary three-business-day cancellation, with no valid emergency waiver","1.3 Replace the cancellation/refund row in the P1 coverage table","2.1 Replace the “No pre-agreement collection” shorthand","Corrected state-law timing sequence","2.2 Replacement for P1 claim C018","2.3 Replace the boundary language in Worked Example 9","Example 9 — Counseling without an agreement, followed by an agreement within 90 days","3.1 Governing provenance correction","3.2 Exact replacement for P1 source S004","3.3 Exact replacement qualifications for P1 C003–C008","3.4 Exact replacement qualifications for P1 C022, C028–C030, C037, and C039","3.5 Required patch to Worked Example 7","3.6 Funds-context preservation note","Failed exact-version retrieval route","Freshly read for this correction","Locator verification without broad substantive rerun","Not read or not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_RI/pass-02","facets":{"geography":["us","us-ri"],"debt_type":[],"stage":[],"subject":[]},"scope":"Narrow cancellation/counseling/comment-version/source-locator correction","pending_corrections":0},{"key":"s_sc--pass-01","task":"S_SC","title":"SSC South Carolina provider market access and consumer fees","parent_title":"South Carolina debt and debt relief law","edition":"pass-01","path":"/research/s_sc--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":10,"claims":48,"sources":39,"review_status":"revise","review_complete":true,"sha256":"2642b6c242d746328f0281a50352f1f9ae88ba221f09e03174d8c338ce1ce0c8","headings":["A. Substantive findings","1. Classification: the conduct and financial arrangements determine coverage","2. Market access: licensing is available, with conditional exclusions","3. Consumer fee structures and current dollar limits","4. When fees may be requested or received","5. Public licensing procedure and actual status verification","6–7. Worked examples and component coverage","B. Source register","Statutes, regulations, decisions, and adjustment materials","Licensing procedure and administrative interpretations","Federal context and currentness checks","C. Claim table","D. Worked examples and coverage/gap table","D1. Bounded plain-text examples","D2. Component coverage and exact remaining investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SC/pass-01","facets":{"geography":["us","us-sc"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; all other state categories remain required","pending_corrections":0},{"key":"s_sc--pass-02","task":"S_SC","title":"SSC South Carolina remaining-evidence investigation","parent_title":"South Carolina debt and debt relief law","edition":"pass-02","path":"/research/s_sc--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":14,"sources":4,"review_status":"revise","review_complete":true,"sha256":"e20a9c6bb8d88dcb7faf06a4f96cfcc3a50f6e91c6b65d20bdba6d35d15c7f5c","headings":["Bottom-line changes to PASS-01","1. DCA Administrative Interpretation 7.108-1003","1.1 Compensation source, not consumer billing label, controls the threshold","1.2 Education, budget analysis, and written contract come before compensated counseling services","1.3 Assignment from a compliant licensed assignor","1.4 Assignment from an unlicensed/noncompliant assignor","1.5 Assignment-law caveat","1.6 What 7.108-1003 does not resolve","2. DCA Administrative Interpretation 7.108-1001","Practical boundary","3. Status and later-history limitation of the interpretations","Actual issue recovered","Relevant-result check","Legal-effect conclusion","Additional PASS-01 claims materially clarified","Failed/recovered routes","Narrowed unresolved dependencies","Actually read in PASS-02","Not claimed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SC/pass-02","facets":{"geography":["us","us-sc"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only recover full DCA formal interpretations7.108-1003 and related relevant2010text (not index summaries) plus actual October23Register issue relevant changes. Use new usable public text route and preserve failures; no rerun broadstate/feeexamples/federaloverview.","pending_corrections":0},{"key":"s_sc--pass-03","task":"S_SC","title":"SSC South Carolina consumer agreements and client-money duties","parent_title":"South Carolina debt and debt relief law","edition":"pass-03","path":"/research/s_sc--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":3,"claims":50,"sources":13,"review_status":"revise","review_complete":true,"sha256":"c442baa5eed0f3ad19dfacbef6411cd87ba8a111dcc67e024171a2e048819322","headings":["Executive result","A1. Mandatory agreements for negotiation versus DMP/credit-counseling models","A1.1 Coverage necessary to apply the agreement duties","A1.2 Pre-contract prerequisites","A1.3 Written contract and execution","A1.4 General mandatory contract provisions","A1.5 Additional DMP / creditor-distribution terms","A1.6 Creditor consent records","A1.7 Contract copy and delivery","A1.8 Readability, completeness, and prohibited terms","A2. Electronic execution, electronic delivery, and consent limits","A3.1 Continuous cancellation right, not a fixed cooling-off window","A3.2 Written notice and method","A3.3 Legal counting rule: exact calendar endpoint held","A3.4 What must be refunded","Refund timing","A4.1 Trigger for the statutory trust-account regime","A4.2 Trust and segregation duties","A4.3 Deposit deadline","A4.4 Creditor disbursement deadline","A4.5 Consumer receipts and access","A4.6 Monthly reconciliation","A4.7 Quarterly accounting and demand accounting","A4.8 FDIC-insured institution language","A4.9 Third-party account administrators","A4.10 Records and retention","Statute","Regulation","Agency interpretations and guidance","Example 1 — Compensated negotiation, consumer retains all settlement money","Example 2 — $600 received for creditor distribution","Example 3 — Cancellation after some creditor money has already been spent","Example 4 — Monthly reconciliation","Case A — bank cash = $500","Case B — bank cash = $490","Example 5 — Quarterly accounting arithmetic","Example 6 — Ten-day cancellation: exact calendar date intentionally held","Example 7 — Conditional §109 setup refund without importing an old fee amount","Example 8 — Third-party “special purpose account”","Actually read in this pass","Explicitly not established"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SC/pass-03","facets":{"geography":["us","us-sc"],"debt_type":[],"stage":[],"subject":["agreements-disclosures","client-money"]},"scope":"Independent required agreements/cancellation/client-money custody component; prior fee/source holds remain open.","pending_corrections":0},{"key":"s_sc--pass-04","task":"S_SC","title":"SSC bounded correction to saved","parent_title":"South Carolina debt and debt relief law","edition":"pass-04","path":"/research/s_sc--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":11,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"39ea245799856b8fc1d6e4c8635ed24934986cb436e64c8fd869647fba9f04d2","headings":["A. Replacement patch keyed to original PASS-03 body and claim IDs","A1. Correct §37-7-111 structure and pinpoints","A2. Replace the vague §37-7-114(C) out-of-state-records description","A3. Correct and narrow the electronic-record treatment in C013, C044, and A4.10","B. PASS-04 source table","C. PASS-04 material claim table","D. Assigned-issue coverage and remaining dependencies","E. Actual reading versus supplied provenance","Actually read in this correction","Supplied or preserved rather than freshly reopened"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SC/pass-04","facets":{"geography":["us","us-sc"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only111pinpoints/114(C)productiondeadlinealternative/FAQ-vs-D3qualification","pending_corrections":0},{"key":"s_sd--pass-01","task":"S_SD","title":"SSD South Dakota provider market access and consumer fees","parent_title":"South Dakota debt and debt relief law","edition":"pass-01","path":"/research/s_sd--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":36,"sources":18,"review_status":"scoped_review_complete_requires_bounded_correction","review_complete":true,"sha256":"a5776d108123ac82c1e8514f4ef2a27211b4bb7f0591cae98385cee7f3e732e1","headings":["Executive determination","1. Current classification of debt adjustment, settlement, negotiation, DMPs, and credit counseling","1.1 Operative definition","1.2 Business-model classification matrix","1.3 Consumer versus business purpose","2. Prohibited, authorized, or conditionally exempt models","2.1 Default prohibition","2.2 Complete exception map","2.3 Commercial provider’s residual access route","2.4 Why this is not an ordinary license","3. State fee structures, limits, indexing, and refund conditions","3.1 What Chapter 37-34 establishes","3.2 Administrative-rule and bulletin reconciliation","3.3 Consequence of the absence of a state fee formula","4. When fees may be requested or received","4.1 South Dakota chapter","4.2 Federal TSR overlay—only when independently applicable","Permitted federal allocation methods","Dedicated-account conditions","TSR scope limitations","4.3 Conditional credit-repair overlap","5. Regulator permission, operational procedure, and public lookup","5.1 Responsible state authority","5.2 Publicly documented bond procedure","5.3 Evidence of current administration","5.4 No public provider-status lookup established","6. Worked fee and boundary examples","7. Component coverage and remaining investigations","Example E01 — Covered for-profit provider without an exception or bond","Example E02 — Bonded provider and a hypothetical enrolled-debt fee","Example E03 — Proportional method, partial settlement, previous lawful fee, and cancellation","Example E04 — Consistent percentage-of-savings method","Example E05 — Lower-debt case and an upfront “setup” fee","Example E06 — Custodial DMP and proposed monthly fee","Example E07 — Loan/disbursement exception and an adjustment fee","Example E08 — Nonprofit, attorney, and self-creditor boundaries","Nonprofit branch","Attorney branch","Original-creditor branch","Full scope-coverage and gap table","Actually read or directly checked","Searched but not established","Not read or not completed","Access and method limitations preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SD/pass-01","facets":{"geography":["us","us-sd"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"First extensive South Dakota provider market access/consumer-fees component only; all broader state dimensions remain required.","pending_corrections":0},{"key":"s_sd--pass-02","task":"S_SD","title":"SSD Four corrections to","parent_title":"South Dakota debt and debt relief law","edition":"pass-02","path":"/research/s_sd--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":4,"claims":20,"sources":7,"review_status":"accepted_with_limits","review_complete":true,"sha256":"d0728390485c3acf2ee4da235df810e2b78b25ae4863219cb656616f68f77f22","headings":["1. Four-row before-and-after correction map","2. Fresh source register","3. Atomic claim register","CROA correction’s precise effect","4. E03 — Bounded correction, with the original method preserved","Two abstract failure branches","5. Four-issue coverage and gap table","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SD/pass-02","facets":{"geography":["us","us-sd"],"debt_type":[],"stage":[],"subject":[]},"scope":"ONLYfourP01source-status/budgetpinpoint/CROAbridge/TSRrequest-receiptcorrections","pending_corrections":0},{"key":"s_sd--pass-03","task":"S_SD","title":"SSD Provider agreements, disclosures, consent, cancellation, and contract failure","parent_title":"South Dakota debt and debt relief law","edition":"pass-03","path":"/research/s_sd--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":10,"claims":62,"sources":20,"review_status":"accepted_with_limits_corrections_resolved","review_complete":true,"sha256":"f60d55ab1e5048ea04e2295e828cbb00ccb078a538c4a52ef50084d6b91e9d73","headings":["A. Findings and atomic claim register","1. Formation, required terms, disclosures, and applicability","2. Consent, negotiation authority, payment authority, and electronic delivery","3. Cancellation, rescission, withdrawal, and the different clocks","4. Incomplete performance, failed payments, rejection, switching, and refunds","5. Deceptive terms, nonwaiver, severability, governing law, and arbitration","6. Document-level audit worksheet","B. Source register","Freshly read substantive sources","Partial and failed sources—not substantive permission","C. Worked hypothetical document and failure models","E01 — Custodial DMP with a cancellation request","E02 — Noncustodial negotiator obtains an offer the consumer rejects","E03 — Conditional credit repair: three different events","E04 — Remote electronic enrollment, mixed purpose, and claimed professional/nonprofit status","E05 — Home visit versus entirely remote sale","D. Granular coverage and gap register","E. Read/failure log and researcher self-check","What was actually done","Fresh reading versus foundation reuse","Failures that remain material","Scope and acceptance limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SD/pass-03","facets":{"geography":["us","us-sd"],"debt_type":[],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures","privacy-data"]},"scope":"Reviewed remaining provider agreements/disclosures/consent/cancellation/contract-failure component only; not P01access/fee or P02repairs rerun","pending_corrections":0},{"key":"s_sd--pass-04","task":"S_SD","title":"SSD Bounded corrections to P03","parent_title":"South Dakota debt and debt relief law","edition":"pass-04","path":"/research/s_sd--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":5,"claims":5,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"6192624f0cd1f98e85f98e1a0bcfc812b872206ac559133e14f53c714d27f277","headings":["1. Fresh source table and affected source annotations","2. Atomic corrective claims and exact replacement passages","Placement instructions for the principal corrections","3. Exact affected downstream replacements","4. Correction coverage table","5. Complete effect-on-original table","6. Read-status and remaining holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_SD/pass-04","facets":{"geography":["us","us-sd"],"debt_type":[],"stage":[],"subject":[]},"scope":"Two bounded P03 correction groups: C022/C049 agency qualifiers; distinct429.1(h)atomicclaim mapping only.","pending_corrections":0},{"key":"s_tn--pass-01","task":"S_TN","title":"STN, Tennessee provider market access and consumer fees","parent_title":"Tennessee debt and debt relief law","edition":"pass-01","path":"/research/s_tn--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":42,"sources":28,"review_status":"revise","review_complete":true,"sha256":"5c4135ae5f171becf271b815d57648a86ac29280e26023d8ff9aa6cb62ebe530","headings":["1. Classification: what activity falls within which framework?","Two statutory frameworks must be evaluated","Resident and remote-provider nexus","2. Market access, exemptions, and the 2026 transition","Licensing and registration authority","Exemptions are activity- and entity-specific","Effective date and transition","3. Consumer fee structures, limits, adjustment, and historical reconciliation","A decisive historical correction: July 1, 2014","Part 55 fee provisions","Inflation adjustment: established mechanism, exact amounts held","Part 58 fee structures","4. When fees may be requested or received","State requirements","Cancellation, earned fees, and refunds","Federal TSR — common context, separately applicable","5. Actual public registration procedure and authorization lookup","6. Bounded worked examples","Example 1 — one debt resolved within a larger program","Example 2 — prior earned fee payment and later cancellation","Example 3 — lower-debt savings calculation","Example 4 — installment payment is not the savings amount","Example 5 — DMP base-schedule arithmetic, current adjusted ceiling held","Example 6 — education fee refunded after conversion","Example 7 — timely Part 55 initial cancellation","Example 8 — custody and nonprofit boundaries","7. Component disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_TN/pass-01","facets":{"geography":["us","us-tn"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},{"key":"s_tn--pass-02","task":"S_TN","title":"Tennessee current-law authentication, 2026 rules, transition/overlap, and indexed amounts","parent_title":"Tennessee debt and debt relief law","edition":"pass-02","path":"/research/s_tn--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":13,"sources":10,"review_status":"revise","review_complete":true,"sha256":"dcefb7912814dcf5034b263a0aca9793e45b465dc5126be0d59359ff60c5cf26","headings":["Tennessee current-law authentication, 2026 rules, transition/overlap, and indexed amounts","PASS-02 bottom line","1. Current Part 55 and Part 58 are authenticated as current statutory programs","The TDCI “Part 48” discrepancy","2. The transition statute has three distinct grandfathering rules","§5820(a): transactions","§5820(b): existing licenses","§5820(c): services other than debt resolution","Section 3: new-law temporal rule","Result for post-January 1, 2026 new debt-resolution contracts","3. Agency transition guidance helps, but creates an interpretation issue rather than eliminating it","Present PASS-02 interpretation boundary","4. Permanent 2026 rules are authenticated as effective, but their complete operative text still is not","Important limitation","5. Indexed Part 55 consumer-fee amounts remain held—and the reason is now sharper","What this pass could not authenticate","Why no calculation is supplied","6. No new final-rule authority resolves the custodial/overlap question","7. Targeted interpretation/case check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_TN/pass-02","facets":{"geography":["us","us-tn"],"debt_type":[],"stage":[],"subject":["policy-history"]},"scope":"Authenticate ONLY currentPart55/58/2026rules and the specific transition/overlap and indexed-amount authority. Existing SOS PDFs repeatedly403; oldMay2026packet exceeds ordinary reader capacity. Try a materially different readable PUBLIC official final filing/agency-hosted text or authenticated enactment chain, record exact actual results; do not endlessly repeat identical blocked URLs. Amendment HA0187 is not itself final/current codification. No fresh broad classification/examples/TSR recap.","pending_corrections":0},{"key":"s_tx--main","task":"S_TX","title":"Texas Debt and Debt-Relief Law — Research Reference","parent_title":"Texas debt and debt relief law","edition":"initial","path":"/research/s_tx--main/","kind":"initial","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-22","tables":10,"claims":51,"sources":35,"review_status":"revise","review_complete":true,"sha256":"6a1bd6f0d20926716455499560f691f815b69acab621aa101d14aca4e52ccaa6","headings":["Scope, legal hierarchy, and verified matrix","Debt relief providers and debt collection","Limitation periods, lawsuits, arbitration, and judgments","Garnishment, exemptions, secured debt, and special debt types","Ordinary collection exemptions","Mortgages and foreclosure","Vehicle repossession and deficiency","Rent and eviction arrears","Medical debt","Utilities, support, fines, overpayments, and tax debt","Consumer remedies, identity issues, military protections, local and tribal boundaries","Worked examples, comparisons, publication opportunities, and gap register","Source register","Claim/evidence register, granular coverage, and researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_TX/initial","facets":{"geography":["us","us-tx"],"debt_type":[],"stage":["collection"],"subject":[]},"scope":"Research Texas individually and extensively. Do not give a generic US article. Locate controlling current statutes/regulations/court rules, official regulator/license lookup, attorney-general guidance and court self-help/forms. Build a section-by-section verified matrix with exact citations for:\n1. Debt-adjustment/settlement/DMP/counseling definitions, licensing/registration/bonds, exemptions including attorney/nonprofit scope, permitted services, fee timing/caps/formulas, contracts/cancellation/customer funds, enforcement.\n2. Collection licensing, original-creditor versus third-party coverage, prohibited communications/conduct, documentation/validation and credit reporting overlays.\n3. Limitation by debt/contract type, accrual/choice of law, acknowledgment/partial-payment revival, debt-sale implications; separate credit reporting and judgment clocks.\n4. Service/venue/answer deadlines, court-specific rules, default/vacatur, evidence/standing, arbitration, judgment interest/duration/renewal, satisfaction and lien release. Give official forms and clearly bounded dated examples.\n5. Wage/bank garnishment, minimum balances, benefits, homestead/property exemptions, claiming exemptions and debt-specific exceptions; distinguish federal bankruptcy elections and ordinary collection protections.\n6. Mortgages/foreclosure, vehicles/repo/deficiency, rent/eviction arrears, medical billing/assistance/reporting, utilities/shutoff, support/fines/government overpayments and state/local tax relief. State which topic needs a narrower followup.\n7. State consumer remedies, complaints/legal aid, coercion/identity theft, military/older-adult protections, future-effective/pending changes and county/local/tribal limits.\nProvide source and claim registers, coverage for EACH matrix category, useful process examples and specific gaps. No cell is verified without its actual authority and applicability. Distinguish unknown/inaccessible from nonexistent. Never guess a fee cap, limitation period or deadline.","pending_corrections":0},{"key":"s_ut--pass-01","task":"S_UT","title":"SUT — Utah provider market access and consumer fees","parent_title":"Utah debt and debt relief law","edition":"pass-01","path":"/research/s_ut--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":6,"claims":23,"sources":16,"review_status":"revise","review_complete":true,"sha256":"b3fc1cc8e33c5f069e7b6b6c509ae67bf94bc86a512d8d16dcd07b7dda6e1ffb","headings":["A. Substantive findings","1. Classification of covered services","2. Market access and registration","3. Consumer fee ceilings — current official statute verified","4. Fee timing and federal separation","5. Refund and counseling branch","B. Source register","C. Claim register","D. Worked fee examples","Example 1 — DMP monthly fee","Example 2 — Settlement fee, enrolled-balance method","Example 3 — Savings method, partial settlement","Example 4 — Prior fees and allocation consistency","Example 5 — Counseling refund","Example 6 — Lower-debt scenario","E. Component coverage and exact remaining investigations","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_UT/pass-01","facets":{"geography":["us","us-ut"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Fresh Utahprovider-access/fees component only; allbroader statecategories required","pending_corrections":0},{"key":"s_ut--pass-02","task":"S_UT","title":"SUT bounded coordinator correction","parent_title":"Utah debt and debt relief law","edition":"pass-02","path":"/research/s_ut--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":4,"sources":2,"review_status":"accepted_with_limits","review_complete":true,"sha256":"b465d9f4a383706dd819bfe749330fcc6961d984f8220eddca1cf1c9393b0d9a","headings":["1. Minimal replacement claim cells","2. Source and version usage check","3. Corrective PASS-02 claims","4. Focused PASS-01 coverage patch","5. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_UT/pass-02","facets":{"geography":["us","us-ut"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyP1C010/C016/C018signed-agreement/counseling/123(6)exceptionqualificationandaffectednarrative/coverage","pending_corrections":0},{"key":"s_vt--pass-01","task":"S_VT","title":"SVT Vermont provider market access and consumer fees","parent_title":"Vermont debt and debt relief law","edition":"pass-01","path":"/research/s_vt--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":38,"sources":17,"review_status":"revise","review_complete":true,"sha256":"9de72eaaae045c85c298c58c3c005364de18cb0e19d2333bcfce7cb75f14817f","headings":["Bottom-line determination","A1. Definitions and classification","1.1 Controlling definition","1.2 Principal reduction and noncustodial settlement","1.3 DMP and credit-counseling models","1.4 Consumer versus business-purpose debt","1.5 Resident and remote-provider nexus","A2. Prohibition, licensing path, and exemptions","2.1 Conditional market access—not categorical prohibition","2.2 Custodial requirements","2.3 Attorney exception","2.4 Nonprofit exception","2.5 Institutional and professional exceptions","2.6 Original-creditor or self-creditor activity","A3. Consumer fee structures and present limits","3.1 Verified statutory formula","3.2 No verified CPI or administrative adjustment","3.3 No additive menu of fee labels","3.4 Noncustodial debt-settlement fee problem","3.5 Creditor compensation","A4. When fees may be requested or received","4.1 Vermont state trigger","4.2 Three-business-day rescission","4.3 Later cancellation","4.4 Federal TSR overlay","4.5 State and federal rules are cumulative","A5. Regulator permission, application, and public lookup","5.1 Regulator and application route","5.2 State applicant fees, bond, and suitability","5.3 Renewal","5.4 NMLS fee reconciliation","5.5 Public lookup","5.6 Operative regulations","5.7 Historical fee materials","A6. Court-decision boundary","A7. Operational classification for SettleADebt.com","Verified conditional pathway","Not yet established","D1. Worked examples","Example 1 — Custodial DMP over 12 months","Example 2 — Lower payment and timely rescission","Example 3 — One debt settled in a multi-debt custodial program","Example 4 — Fully noncustodial percentage-of-savings model","Example 5 — Prior fees and an additional monthly payment","Example 6 — Cancellation after several months","D2. Component coverage and gap table","Highest-priority next investigations","Material actually read","Discovered but not substantively read","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VT/pass-01","facets":{"geography":["us","us-vt"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh Vermont provider-access/fees component; all broader state categories remain required","pending_corrections":0},{"key":"s_va--pass-01","task":"S_VA","title":"SVA Virginia provider market access and consumer fees","parent_title":"Virginia debt and debt relief law","edition":"pass-01","path":"/research/s_va--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":13,"claims":52,"sources":25,"review_status":"revise","review_complete":true,"sha256":"7c8f25708e80cd5842b17aabfb9a485a29ca82ad503f2ace7c32f5a50914e289","headings":["A. Substantive findings","1. Classification follows the conduct, funds arrangement, and customer—not the marketing label","2. Authorization, exclusions, and prohibited models","3. Consumer fee bases, ceilings, additional charges, and currentness","4. When a fee may be requested or received","5. Actual public application and verification routes","6. Worked examples","7. Component coverage and adjacent conduct","B. Source register","Virginia statutes, regulations, and enactments","SCC operational evidence","Federal baseline and attorney authorities","Access failures and recovery status","C. Claim register","Classification and market access","State consumer fees and timing","Federal timing and accounting context","Currentness, operational evidence, and retained limits","D. Worked examples and component coverage","Worked examples","Full component coverage and gap table","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-01","facets":{"geography":["us","us-va"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},{"key":"s_va--pass-02","task":"S_VA","title":"SVA Virginia narrow construction follow-up","parent_title":"Virginia debt and debt relief law","edition":"pass-02","path":"/research/s_va--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":11,"sources":14,"review_status":"revise","review_complete":true,"sha256":"8e54403ee5801ed7425eb7a67e156a1052481ac2a17e3b8957cc52382ea580eb","headings":["Bottom line","1. Later debt settled without its own creditor payment","What Virginia actually says","What the SCC rulemaking does—and does not—resolve","Legislative-history signal","Current conclusion","2. Independent account administrator charges","Virginia expressly contemplates an independent account administrator","But § 2041 does not supply a separate account-fee authorization","The account provision itself regulates compensation—but only referral compensation expressly","Rulemaking search result","Current conclusion","3. Cancellation refunds and § 6.2-2016 actual-cost reimbursements","The cancellation text","The permitted additional charges use different terminology","The distinction is original, not a recodification accident","But the missing legal step remains missing","Practical distinctions within the unresolved issue","Current conclusion","Failed or incomplete routes","Exact remaining dependencies"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-02","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"ONLY state-law construction of2040(3)/2041(B) for a later debt settled without its own creditor payment, plus2040(6)/2041(A) independent-account charge treatment and2014/2016 cancellation of actual-cost reimbursements. Seek actual SCC formal interpretations/controlling court passages with later history. Keep federal conditions attributed; no repeat statute overview, old examples or assumed approved charges.","pending_corrections":0},{"key":"s_va--pass-03","task":"S_VA","title":"SVA Virginia consumer agreements and client-money duties","parent_title":"Virginia debt and debt relief law","edition":"pass-03","path":"/research/s_va--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":5,"claims":55,"sources":9,"review_status":"revise","review_complete":true,"sha256":"01a2b1a43a31b0b9cd3aad7c1dc21c878bd7869fc2ff69c5738fefa13045f056","headings":["1. Mandatory agreement form, execution, disclosures, promises, warnings, prohibited terms","A1. Coverage needed to apply the contract rules","A2. Debt-settlement agreement — Chapter 20.1","A3. Settlement agreement formatting and readability","A4. DMP agreement — Chapter 20","A5. Additional DMP pre-contract disclosure forms","A6. Creditor participation and service-performance promises","A7. Electronic consent and delivery","A8. Settlement termination rights","A9. DMP termination and early refund rights","A10. Counting “five days” and “31 days”","A11. Settlement is not automatically a custodial business","A12. DMP trust-account requirement","A13. Third-party custodians/agents do not eliminate the trust duties","A14. Creditor-disbursement timing","A15. Statements, receipts, electronic access, and accounting","A16. Books and record retention","Example 1 — Settlement-only provider cannot turn itself into the creditor-payment custodian","Example 2 — Consumer-owned settlement account withdrawal","Example 3 — DMP trust account: consumer versus provider money","Example 4 — DMP cancellation: creditor money versus fee refund","Example 5 — Counting without fabricating a calendar deadline","Example 6 — Eight “business days” is provider-office based","Settlement chapter","DMP chapter","Judicial / formal interpretive authority located","Primary-source retrieval limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-03","facets":{"geography":["us","us-va"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures","client-money","employment-care-benefits","tools-forms-checklists"]},"scope":"Independent required agreements/cancellation/client-money custody component; prior fee/source holds remain open.","pending_corrections":0},{"key":"s_va--pass-04","task":"S_VA","title":"SVA Bounded correction addendum to","parent_title":"Virginia debt and debt relief law","edition":"pass-04","path":"/research/s_va--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":5,"claims":12,"sources":8,"review_status":"accepted_with_limits","review_complete":true,"sha256":"a050d36633cb61a5aef4acf47ca0c69d32c60f1e6ddb4bc3dd3e46906a32e1f8","headings":["A. Exact narrative-to-canonical-claim map","Exact identity corrections","B1. Replacement for PASS-02 narrative § 2, “Current conclusion”","Effect of the correction","B2. Replacement for PASS-02 narrative § 3, “Current conclusion”","Effect of the correction","B3. Replacement access and evidentiary qualification","Prior source not freshly reopened"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-04","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"Bounded narrative/claim identity,50Bpredicate and partialhistoricalsourceaccess repair only; no repeat interpretation search","pending_corrections":0},{"key":"s_va--pass-05","task":"S_VA","title":"SVA Bounded correction addendum to","parent_title":"Virginia debt and debt relief law","edition":"pass-05","path":"/research/s_va--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":7,"sources":3,"review_status":"accepted_with_limits","review_complete":true,"sha256":"9aaae2d0767aeb15bba116a45c75759fee70508a67bb7e405b210cb456c523ac","headings":["A. Exact old-to-replacement claim map","B1. Replacement for PASS-03 claim C027","Dependent PASS-03 language","B2. Replacement for PASS-03 claim C022","B3. Replacement for PASS-03 claim C032"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_VA/pass-05","facets":{"geography":["us","us-va"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only PASS03 C027 within-five-day wording, C022 statutory exception and C032 endpoint qualification","pending_corrections":0},{"key":"s_wa--pass-03-citation-01","task":"S_WA","title":"SWA correction of the C070 coverage pinpoint","parent_title":"Washington debt and debt relief law","edition":"pass-03-citation-01","path":"/research/s_wa--pass-03-citation-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":6,"claims":6,"sources":3,"review_status":"bounded_review_complete_followup_L001_pinpoint_resolved_other_holds_preserved","review_complete":true,"sha256":"b0a8518f109cab79bedc5c7ce3f3eb807a505cbf90d19f52ff385a764cc89bd8","headings":["1. Source and usage register","2. Corrected claim register","3. Old-versus-new patch table","4. Coverage and disposition table","5. Source-version and quantity-or-unchanged table","6. Bounded read/search/failure log and self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-03-citation-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyS_WA-P3-L001nonmaterialC070RegFcoveragepinpoint1006.1(b)versus(c)(1);no substantive rerun.","pending_corrections":0},{"key":"s_wa--pass-03-citation-02","task":"S_WA","title":"SWA exact original-row completion","parent_title":"Washington debt and debt relief law","edition":"pass-03-citation-02","path":"/research/s_wa--pass-03-citation-02/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":7,"claims":3,"sources":4,"review_status":"resolved_textual_pinpoint_only_all_other_scope_authority_application_holds_preserved","review_complete":true,"sha256":"79e2e5f26d75116e7f0ac99ecb7a937a59b863e8b2aaa05e8a01eb048946dace","headings":["1. Source and usage register","2. Corrected claim table","3. Complete old/new patch table","4. Explicit S023 binding — supplied original row, unchanged","5. Coverage and disposition table","6. Version and quantity-or-unchanged table","7. Bounded access/failure log and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-03-citation-02","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["resolution"],"subject":[]},"scope":"ExactoriginalC070oldnewrowandS023bindingonly;coordinatorwholeoccurrenceaudit supplied; no whole-report rerun.","pending_corrections":0},{"key":"s_wa--pass-18-limited-01","task":"S_WA","title":"Two bounded source corrections","parent_title":"Washington debt and debt relief law","edition":"pass-18-limited-01","path":"/research/s_wa--pass-18-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":7,"claims":2,"sources":4,"review_status":"scoped_two_material_patches_resolved_all_other_holds_preserved","review_complete":true,"sha256":"24663084431681de315cdfae41fc7c79755d71383d36c99db352f832baad3cff","headings":["Two bounded source corrections","1. Exact replacement claim table","2. Necessary cross-reference patch table","3. Fresh source and usage table","4. Version and application limits","5. Coverage and gap-preservation table","6. Actual read, search and failure log","7. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-18-limited-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":[]},"scope":"","pending_corrections":0},{"key":"s_wa--pass-19-limited-01","task":"S_WA","title":"1. Exact two-cell replacements","parent_title":"Washington debt and debt relief law","edition":"pass-19-limited-01","path":"/research/s_wa--pass-19-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":4,"claims":2,"sources":1,"review_status":"bounded_correction_resolved_other_holds_retained","review_complete":true,"sha256":"a8fa2155c77f758a001cf82eae3f73a8ffdcb9e83b8aaf362273fb6a9e5ad7f9","headings":["1. Exact two-cell replacements","2. Minimal source and claim traceability","3. Claim and coverage preservation","4. Actual read/failure log and version limits","5. Gap preservation and researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-19-limited-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":[]},"scope":"","pending_corrections":0},{"key":"s_wa--pass-01","task":"S_WA","title":"Washington provider market access and consumer fees","parent_title":"Washington debt and debt relief law","edition":"pass-01","path":"/research/s_wa--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":40,"sources":30,"review_status":"revise","review_complete":true,"sha256":"48da86aadd01b032253bbbaa4795cd1def907fff39b7e2b7e94115c16405aa6c","headings":["Washington provider market access and consumer fees","1. What Washington classifies as debt adjustment","Conduct controls the classification","Washington residents and remote providers","2. Market access, exclusions, and prohibited models","General debt-adjuster market access","Every exclusion in current RCW 18.28.010(1)","Custodial operations and independent account administrators","Compensation restrictions relevant to SettleADebt.com","3. Current consumer fee structures and limits","Operative fee rules","Fair share is a narrow exception","Historical reconciliation","4. When fees may be requested, received, or retained","Washington requirements","Federal TSR — common context, independently applicable","Cancellation, credits, and refunds","5. Public permission, application procedure, and lookup evidence","What is established","What remains unverified","Hybrid-service boundary","B1. Sources read","B2. Failed or incomplete retrievals","D1. Bounded plain-text examples","Example 1 — Aggregate headroom does not permit a larger payment deduction","Example 2 — Credit for a previously retained initial charge","Example 3 — Lower debt reduces the available initial charge","Example 4 — Administrator and bank fees consume aggregate capacity","Example 5 — A partial settlement and savings formula can still fail Washington’s payment limit","Example 6 — Federal allocation after one debt resolves","Example 7 — Cancellation formula, previous fees, and trust restriction","Example 8 — Different cancellation destinations for different account models","Example 9 — Contracted overcharge can require return beyond the excess alone","Example 10 — Nonprofit threshold and referral-payment boundary","D2. Component coverage and exact next investigations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},{"key":"s_wa--pass-02","task":"S_WA","title":"Remaining fee interactions and patches to","parent_title":"Washington debt and debt relief law","edition":"pass-02","path":"/research/s_wa--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":8,"claims":19,"sources":13,"review_status":"revise","review_complete":true,"sha256":"a3d8189523612086d8d23e5ce9b0297c952f5ebd285add504a3a358026fed970","headings":["Remaining fee interactions and patches to PASS-01","A. Substantive findings","1. Initial $25, the payment cap, cumulative retention, and a small first payment","2. Fair share: the exact exception and the unresolved aggregate effect","3. Nonprofit $15 threshold, setup charges, and add-ons","4. Cancellation: calculation, direct trust, independent account, and TSR withdrawal","B. Actual source register — freshly read primary material","C. PASS-02 claim table","D. Actual earlier-claim patch map","E. Conditional examples and specific corrections","Example 1 — Small first payment: the $25 maximum does not clear the interaction","Example 2 — Patch the previous-$25/cumulative-$200 example","Example 3 — Fair-share aggregate ambiguity cannot be solved by arithmetic","Example 4 — Nonprofit monthly fee plus setup service charge","Example 5 — Cancellation formula and account destination are separate","F. Failed routes and discovery-only material","G. Dependency crosswalk — prior work versus fresh evidence","H. Component coverage and remaining-evidence table","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-02","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Resolve onlyC039interactions: initial25exceptionversus15%payment/cumulativecap,addresssmallfirstpaymentwithoutassumingpermission; fairshareexceptionwhichsentence/aggregateeffect; nonprofit15thresholdandsetup/addons; cancellation6%capversus18.28.150trustcloseout/19.230.350independentaccount/federalwithdrawal. Retrievecontrollingcases/formalinterpretation/operativeclauses; distinguishdirecttrustcreditordistributionfromindependentaccountdebtoreturn. Patchspecificexampleswhereauthorityrequires. Nofullstateoverview/repealedlicensingrerun.","pending_corrections":0},{"key":"s_wa--pass-03","task":"S_WA","title":"Generic limitation periods, accrual, acknowledgment, payment and revival","parent_title":"Washington debt and debt relief law","edition":"pass-03","path":"/research/s_wa--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":98,"sources":45,"review_status":"scoped_review_complete_nonmaterial_L001_pinpoint_resolved_other_holds_preserved","review_complete":true,"sha256":"15d979b6019d69f0497f6860dc40d9a7ec5aadddecf3bb42b842041a8e495c5a","headings":["Generic limitation periods, accrual, acknowledgment, payment and revival","How to read the registers","1.1 Ordinary contracts, accounts, sales and leases","1.2 Promissory notes and other negotiable instruments","1.3 Mortgage-release exception, judgments and expressly separate liabilities","1.4 Accrual, borrowing, tolling, commencement and counting","1.5 Acknowledgment, promise, payment and revival","1.6 Indispensable federal collection-conduct and military overlays","1.7 Amendment, effective-date and application claims","Currency and read conventions","3.1 Washington codification and court rules","3.2 Federal codification, regulations and incorporated definitions","3.3 Original Washington enactments","7.1 Actual read log","7.2 Public web-search log","7.3 Discovery, duplicate-format and nonrelied routes — not the source register","7.4 Bounded failed-route log"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-03","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["judgment"],"subject":["limitations-revival","judgments-duration"]},"scope":"Independent required Washington registry dimension3 generic debt/contract limitations-accrual-revival public-law component; reviewed P1/P2 excluded scope only","pending_corrections":0},{"key":"s_wa--pass-04","task":"S_WA","title":"SWA Washington generic civil debt-action framework","parent_title":"Washington debt and debt relief law","edition":"pass-04","path":"/research/s_wa--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":17,"claims":103,"sources":112,"review_status":"reviewed_with_service_default_incorporation_original_history_currentness_and_application_holds","review_complete":true,"sha256":"a7d58e4743b9558b01fbde7fa9c953d91567f029c55f3457572406db63e63848","headings":["1. Reading conventions and authority boundaries","Authority and procedural-category comparison","2.1 Courts, jurisdiction, venue, and procedural tracks","2.2 Commencement, summons, and service","2.3 Initial response, appearance, and time","2.4 Default, judgment, and relief from default","2.5 Real party, pleadings, evidence, assigned debt, and debt buyers","2.6 Military default safeguards and version limits","5.1 Register conventions","5.2 Washington constitution, statutes, and enacted laws","5.3 Operative court rules","5.4 Adopted orders, proposed order, federal sources, and instructions","6.1 Actual substantive-read log","6.2 Discovery and navigation routes — not substantive authority by themselves","6.3 Bounded failures and incomplete routes — separate from the source register"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-04","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["lawsuit"],"subject":[]},"scope":"Independent initial court/venue/service/response/default portion of registrydimension4, no limitations/judgmentclock duplicate","pending_corrections":0},{"key":"s_wa--pass-05","task":"S_WA","title":"SWA Washington ordinary civil earnings garnishment","parent_title":"Washington debt and debt relief law","edition":"pass-05","path":"/research/s_wa--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":23,"claims":84,"sources":39,"review_status":"reviewed_with_local_wage_reference_state_conversion_fee_priority_service_tender_currentness_and_application_holds","review_complete":true,"sha256":"175b95210dd092264feca0e07d8a778fe4b06dfcad65ee1e73afe92cc946ac40","headings":["A. Substantive findings and atomic claim register","Reading conventions","A1. Legal categories, jurisdictional predicates, and authority levels","A2. Symbolic wage relations and adopted rate references","A3. Bounded federal comparison, aggregation, and employment protection","A4. Generic earnings-process and event comparisons","A5. Exemption, contest, release, and bounded remedy framework","A6. Counting, special branches, and version status","B. Meaningful category and authority comparisons","B1. Which legal question each authority answers","B2. Event distinctions that remain essential","C. Quantities, periods, units, reference events, and boundaries","C1. Earnings, rates, aggregation, and charges","C2. Process quantities","C3. Material version and adjustment boundaries","D. Source and usage register","D1. Register conventions and currentness","D2. S001 — Washington garnishment chapter, with section-level usage","D3. Other statutes, wage notices, and federal authorities","D4. Court rules and counting statutes","D5. Washington adopted amendments and proposal-status sources","E. Failed routes, discovery-only material, and dependency crosswalk","E1. Actual failures and materially different ordinary routes","E2. Discovery or incidental material that is not substantive corroboration","E3. Indispensable or potentially material incorporations still held","F. Conditional branch register","G. Wholly blank analytical worksheet","H. Granular scope coverage and remaining gaps","I. Complete read, search, and failure log","I1. Read log","I2. Search log","I3. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-05","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["levy"],"subject":["wage-garnishment"]},"scope":"Independent ordinary wages/earnings garnishment and claiming-process part of dimension5","pending_corrections":0},{"key":"s_wa--pass-06","task":"S_WA","title":"Washington non-earnings bank/deposit garnishment, account protections, and exemption process","parent_title":"Washington debt and debt relief law","edition":"pass-06","path":"/research/s_wa--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":26,"claims":91,"sources":31,"review_status":"reviewed_with_deposit_classification_tracing_overlap_private_student_blank_procedure_incorporation_currentness_and_application_holds","review_complete":true,"sha256":"c02e6153bc4e3a1ce27fcfd55f8c3934692f795477c4ac648ca3ac8f38a57317","headings":["Washington non-earnings bank/deposit garnishment, account protections, and exemption process","Reading and citation conventions","1.1 What each authority governs","Material findings requiring particular care","2.1 Washington definitions and exemption statutes","2.2 Chapter 6.27 RCW — separate usage rows for one registered chapter","2.3 Original enactments and amendment reconciliation","2.4 Federal regulation and original adoption","2.5 Federal benefit statutes and indispensable definition branches","2.6 Other Washington benefit and classification incorporations","2.7 Court rules and time-computation sources","3.1 Scope, issuance, institution, and earnings boundaries","3.2 State deposit protection, classification, and version","3.3 Federal account-processing protection","3.4 Ultimate benefit exemptions and exceptions","3.5 Bank-specific procedure, release, and failure consequences","4.1 State exemption and restraint quantities","4.2 Federal review, protection, notice, and fee parameters","4.3 Washington process, release, and failure periods","4.4 Material version and application dates","5.1 Authority level","5.2 Events that remain legally distinct","9.1 Substantive read log","9.2 Search log","9.3 Failed routes — separate from the source register","9.4 Navigation-only and unrelied material","Actual reading versus remaining holds","Currentness and method limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-06","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property"]},"scope":"Independent ordinary non-earnings bank/deposit garnishment and benefit/account-protection process portion of dimension5; wages/fullproperty/initialcourt/clocks excluded.","pending_corrections":0},{"key":"s_wa--pass-07","task":"S_WA","title":"Washington homestead and ordinary nonwage, nondeposit property exemptions from execution","parent_title":"Washington debt and debt relief law","edition":"pass-07","path":"/research/s_wa--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":16,"claims":120,"sources":29,"review_status":"reviewed_with_prescribed_dataset_valuation_wording_proceeds_objection_currentness_incorporation_and_application_holds","review_complete":true,"sha256":"b4adc385e47c1df94496735fb399c28cedef4ae686d884196f872b79c5c87167","headings":["Washington homestead and ordinary nonwage, nondeposit property exemptions from execution","Reading conventions","1.1 The principal distinctions","1.2 Source-stated symbolic relations","2.1 Washington operative texts and enactments","2.2 Federal text and federal currency checks","3.1 Homestead eligibility, creation, continuity, and amount","3.2 Homestead proceeds, exceptions, liens, and execution interfaces","3.3 Ordinary personal-property categories and limitations","3.4 Preservation, objections, hearings, release, and sale framework","3.5 Computation, enactments, federal boundaries, and currentness","8.1 Actual read log","8.2 Search log","Discovery-only material not promoted into evidence","8.3 Failed routes — separate from the source register"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-07","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["levy"],"subject":["bank-garnishment","exemptions-property"]},"scope":"Independent homestead and ordinary nonwage/nondeposit property exemption and necessary claim-process component of dimension5; bank/wage/initialcourt/clocks/fullspecialregimes excluded.","pending_corrections":0},{"key":"s_wa--pass-08","task":"S_WA","title":"Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries","parent_title":"Washington debt and debt relief law","edition":"pass-08","path":"/research/s_wa--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":21,"claims":94,"sources":27,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"1faa09673d2084833a601b2e22006d7a9d7c23376b440147a6efbd2c6ac3264d","headings":["Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries","1. Reading conventions and authority boundaries","Authority and category comparison","2.1 Principal codified instruments and indispensable incorporations","2.2 S001 section-by-section usage, credits, and boundaries","2.3 S021 rule usage and adopted-rule credits","2.4 Enacted originals, adopted order, and official administrative material","3.1 Framework, roles, property, and scope — question 1","3.2 Residential contact, default notice, successors and mediation — question 2","3.3 State servicing and loss-mitigation interfaces — questions 2–3","3.4 Cure, reinstatement, tender, expenses and information — question 3","3.5 Sale setting, continuation, restraint, completion, rescission and proceeds — question 4","3.6 Deficiency, guarantor, waiver and remedy boundaries — question 5","3.7 Version, funding and counting claims — questions 6–7","4.1 Scope, contact, notice and mediation","4.2 Servicing, cure and expenses","4.3 Sale, restraint, completion and personal-liability relations","8.1 Read log","8.2 Search log","8.3 Failed routes and unresolved retrievals — not source evidence"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-08","facets":{"geography":["us","us-wa"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"Independent nonjudicialdeed-of-trust foreclosure/residentialpresale/cure/sale/postponement/deficiency portionofdimension6; homestead/P3clocks/fulljudicial/federal/tenancyregimes excluded.","pending_corrections":0},{"key":"s_wa--pass-09","task":"S_WA","title":"Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries","parent_title":"Washington debt and debt relief law","edition":"pass-09","path":"/research/s_wa--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":106,"sources":54,"review_status":"revise_scoped_coordinator_review_material_correction_UNSENT","review_complete":true,"sha256":"601fd4bce4bf81544a380f2e1d1d0a4bf5aab42dd78f5517d61b7b5cc8d1e6c8","headings":["Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries","Reading conventions","A. Judicial-route gateway, instruments, actors, parties, and proof — Questions 1–2","B. Action, decree, concurrent enforcement, installments, abandonment, and stays — Questions 1–2, 4–5","C. Judicial sale, notice, postponement, confirmation, proceeds, and instruments — Question 3","D. Redemption, accounting, possession, and deed consequences — Question 4","E. Deficiency, surplus, satisfaction, guaranty, and limited remedies — Question 5","F. Time computation, historical wording, and operative versions — Question 7","3.1 Payment and installment relations","3.2 Redemption from the purchaser","3.3 Redemption from a redemptioner","3.4 Net-rents credit, deficiency, and surplus fees","5.1 Current statutory and court-rule sources actually read","5.2 Enacted originals actually read","5.3 Official currency and discovery materials — not substitutes for operative law","10.1 Actual read log","10.2 Search log","10.3 Actual failures and materially different ordinary routes"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-09","facets":{"geography":["us","us-wa"],"debt_type":["mortgage"],"stage":["foreclosure","repossession"],"subject":["foreclosure-repossession"]},"scope":"Independentrequiredjudicialmortgageforeclosure/judicialsale/redemption/deficiencyportionofdimension6;P8nonjudicial/P7ordinaryexecution-exemptions/P3clocks/fullfederaltenancyexcluded.","pending_corrections":1},{"key":"s_wa--pass-10","task":"S_WA","title":"Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies","parent_title":"Washington debt and debt relief law","edition":"pass-10","path":"/research/s_wa--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":20,"claims":111,"sources":72,"review_status":"scoped_coordinator_Article9_review_complete_unrefreshed_history_consumerlaw_waiver_drafting_construction_application_parent_holds","review_complete":true,"sha256":"fc5351c9bcb9cf74519bfc7dea0fdff44df18da4c8f6129680253c9bf5f73bdc","headings":["Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies","Reading conventions","1. Material category, actor, authority, and event comparisons","1.1 Categories that must remain separate","1.2 Authority and event distinctions","2. Atomic consequential claim register","2.1 Currentness, amendment, and application claims","2.2 Scope, definitions, and classification","2.3 Default, possession, collection, and mandatory duties","2.4 Disposition and information duties","2.5 Collection proceeds, disposition proceeds, and deficiency proof","2.6 Redemption, acceptance, mandatory disposition, and transfer effects","2.7 Narrow noncompliance remedies and release-related predicates","3. Complete relied-on quantity, formula, trigger, and boundary register","4. Source and usage register","Common metadata","4.1 Current Article 9A and necessary incorporations","4.2 Article 1 sources","4.3 Enacted originals and current transition text","4.4 Publication, amendment-index, and proposal-status sources","5. Conditional-branch and missing-authority register","6. Wholly blank analytical worksheet","7. Granular scope coverage and retained gaps","8. Complete read, search, discovery, and failure log","8.1 Actual primary reading log","8.2 Actual search queries","8.3 Discovery-only material — not substantive source evidence","8.4 Failed routes and their exact resolution","9. Precise remaining gaps and researcher self-check","Remaining substantive gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-10","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"IndependentrequiredArticle9personalproperty/vehicleconsumerdefault/repossession/disposition/redemption/surplusdeficiency/remediesdimension6;retailtitlepawnfederalspecialregimesheld.","pending_corrections":0},{"key":"s_wa--pass-11","task":"S_WA","title":"SWA Washington consumer credit sales and retail installment obligations","parent_title":"Washington debt and debt relief law","edition":"pass-11","path":"/research/s_wa--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":81,"sources":45,"review_status":"scoped_coordinator_selected_retailcredit_review_complete_source_history_construction_application_parent_holds","review_complete":true,"sha256":"8ce4112551caf7d93426d28319f0b089ef59ce7775e17869ba1e67bc91ac1cd0","headings":["1. Principal findings","Identifier convention","2. Material legal-category and authority comparisons","A. Scope, definitions, and classification","Vehicle-actor scope qualification","B. Agreement creation, contents, delivery, and records","C. Service charges, additional charges, insurance, and vehicle fees","D. Payments, prepayment, deferral, default, and cancellation","E. Assignee, nonwaiver, and remedy boundaries","F. Ancillary GAP protection and currentness","5.1 Current codified chapter 63.14 — S_WA-P11-S001","5.2 Other current statutes and rules","5.3 Enacted originals, adoption orders, and material version boundaries","9.1 Reading log by purpose","9.2 Search log","9.3 Discovery-only and read-but-not-relied-on material","9.4 Failed routes and materially different ordinary recoveries"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-11","facets":{"geography":["us","us-wa"],"debt_type":["store_cards"],"stage":[],"subject":[]},"scope":"Independentrequiredgenericconsumercreditgoods/retailinstallmentsaleandmaterialmotorvehiclelawboundariesdimension6;notfullArticle9remediesorproviderlicensing.","pending_corrections":0},{"key":"s_wa--pass-12","task":"S_WA","title":"SWA Consumer personal-property leases and rental-purchase agreements","parent_title":"Washington debt and debt relief law","edition":"pass-12","path":"/research/s_wa--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":15,"claims":112,"sources":31,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"fa48130acb9df0b20f6c9d40ce5fc03f060637b0006fd7096c09442ce91471ee","headings":["1. Substantive findings by requested question","Question 1 — Governing regimes and classification","Question 2 — Agreement, disclosure, writing, and prohibited terms","Question 3 — Charges and payments","Question 4 — Renewal, termination, reinstatement, and ownership","Question 5 — Narrow default, assignee, and remedy boundaries","Questions 6–7 — Retained dependencies and legal status","2.1 Current operative texts","2.2 Adopted originals, application clauses, and status materials","3.1 Classification and agreement requirements","3.2 Rental-purchase performance and consumer-lease charges","3.3 Warranties, risk, performance, and default","3.4 Monetary remedies, assignment, enforcement, and versions","8.1 Document reading log","8.2 Public search log","8.3 Fresh failed routes and recovery"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-12","facets":{"geography":["us","us-wa"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","agreements-disclosures"]},"scope":"Independentrequiredgenerictrueconsumerpersonalpropertyleaseandrentalpurchaseportionofdimension6; all limitations/priorcredit-sale/secured/fullfederalexcluded.","pending_corrections":0},{"key":"s_wa--pass-13","task":"S_WA","title":"SWA Residential rent arrears, nonpayment termination, deposits, and the summary-possession interface","parent_title":"Washington debt and debt relief law","edition":"pass-13","path":"/research/s_wa--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":17,"claims":118,"sources":99,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"c87fefdac4e74310e52d64ac2d3c60633e914134cc27a8895d760955e95239c2","headings":["Reading conventions","1. Material category and authority comparisons","2. Atomic consequential claim register","A. Scope, actors, agreements, and charge classification","B. Rent increases, nonwaiver, and dishonored-payment boundaries","C. Notice, specialized court process, judgment, and reinstatement","D. End-of-tenancy debt, security deposits, and the optional fee alternative","E. Self-help, retaliation, legacy provisions, and version boundaries","3. Complete relied-on quantity, formula, and trigger register","4. Source and usage register","Register-wide provenance","A. Scope, agreements, payments, and rent regulation","B. Check branch, notices, and specialized proceedings","C. Court rules, deposits, remedies, and legacy rent provisions","D. Adopted originals and material version evidence","5. Version, effective-date, and application disposition","6. Conditional branches and exact remaining investigations","7. Wholly blank conceptual worksheet","8. Granular component coverage and retained scope","9. Read, search, discovery, and failure log","A. Successful read and discovery routes","B. Bounded failures and permitted alternative routes","10. Researcher self-check and remaining boundary"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-13","facets":{"geography":["us","us-wa"],"debt_type":["rent_lease"],"stage":["late","eviction"],"subject":["tenancy-housing"]},"scope":"Independentrequiredordinaryresidentialrentarrears/nonpaymenttermination/rent-debt/depositandspecialsummarypossessioninterface dimension6;priorgoodslease/mortgage/ordinarycourt/clocks/fullfederalexcluded.","pending_corrections":0},{"key":"s_wa--pass-14","task":"S_WA","title":"SWA Regulated residential electricity and natural-gas arrears, disconnection and restoration","parent_title":"Washington debt and debt relief law","edition":"pass-14","path":"/research/s_wa--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":19,"claims":114,"sources":19,"review_status":"scoped_review_complete_with_source_status_incorporation_construction_application_holds","review_complete":true,"sha256":"a7852848940dc6c4ec5aaf378c7e6ee10b8f72a1591ec5b410ddd3522d48aea2","headings":["Reading key and limits","1.1 Statutes: instruments, literal URLs and read bounds","1.2 Administrative-code instruments and section-by-section usage","Section usage matrix for S008 and S009","1.3 Adopted originals and official supporting publications","2.1 Scope, jurisdiction and service categories — Questions 1 and 7","2.2 Billing, payment, deposits, corrections and charge boundaries — Question 2","2.3 Ordinary and exceptional disconnection — Question 3","2.4 Payment arrangements, winter and heat — Question 4","2.5 Medical and protected-customer safeguards — Question 5","2.6 Restoration, disputes and narrow remedy boundaries — Question 6","2.7 Version and unresolved-source claims — Question 7","8.1 Read/search log","Discovery-only material kept separate","8.2 Bounded access/failure log"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-14","facets":{"geography":["us","us-wa"],"debt_type":["utilities"],"stage":["late","shutoff"],"subject":["utilities-service"]},"scope":"Independent required generic regulated residential electricity/naturalgas arrears/disconnection/paymentarrangements/restoration sector dimension6; housingrebilling/companytariffs/otherproviders/fullfederal excluded.","pending_corrections":0},{"key":"s_wa--pass-15","task":"S_WA","title":"SWA Hospital charity care, medical billing, and medical-debt collection","parent_title":"Washington debt and debt relief law","edition":"pass-15","path":"/research/s_wa--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":19,"claims":112,"sources":41,"review_status":"scoped_coordinator_review_selected_text_and_all_holds_retained","review_complete":true,"sha256":"9fd847e50cffaed2a7be883c135df06784ba424c1cebd0094fa81633d470f8e4","headings":["Reading conventions and scope","1. Material legal-category and actor comparisons","2A. Current codified operative sources","2B. Adopted originals, federal poverty publication, interpretation, and status sources","3A. Scope, definitions, and institutional boundaries","3B. Assistance duties, tiers, assets, and poverty reference","3C. Screening, documentation, decision, appeal, and refund","3D. Billing, charges, transfer, and collection information","3E. Reporting, unenforceability, liens, and narrow enforcement","3F. Oversight and remedy boundaries","3G. Versions and additional reconciliation claims","4A. Eligibility, assistance, assets, and information duties","4B. Collection, charges, liens, and remedies","4C. Version and application register","8A. Read and search activity","8B. Discovery-only material and unresolved source identities","8C. Bounded access and failure log","Remaining evidence gaps","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-15","facets":{"geography":["us","us-wa"],"debt_type":["medical"],"stage":["collection"],"subject":["medical-assistance","employment-care-benefits"]},"scope":"Independent required generic hospitalcharitycare/medicalbilling-debt/medical-debtcollection-relief portiondimension6; utilitymedical/ordinarygarnishment/privatehospitalpolicies/fullinsurance-federal-localmerits excluded.","pending_corrections":0},{"key":"s_wa--pass-16","task":"S_WA","title":"Washington student-loan servicing and borrower protection","parent_title":"Washington debt and debt relief law","edition":"pass-16","path":"/research/s_wa--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":120,"sources":22,"review_status":"scoped_coordinator_studentservicing_review_complete_one_pinpoint_correction_UNSENT_source_history_construction_application_parent_holds","review_complete":true,"sha256":"a2b025f06ba6d1208a9b3e0a1a315197e13f3d0d8cabead0afa1f8ec219fe8b4","headings":["Washington student-loan servicing and borrower protection","1. Material category and authority comparisons","Reading and identification conventions","2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act","2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC","2.3 Other current statutes, originals, and status sources","3.1 Scope, definitions and exclusions","3.2 Licensing, financial requirements, continuation and cessation","3.3 Payment, charges, information, disputes and transfer","3.4 Information, assistance, refinancing and protected-status boundaries","3.5 Supervision, remedies, nonwaiver and limits","3.6 Version and application findings","Version and application quantities","8.1 Read and search log","8.2 Bounded failures and materially different routes","Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-16","facets":{"geography":["us","us-wa"],"debt_type":["student"],"stage":[],"subject":["education-programs"]},"scope":"Independent required student-education-loan servicing/borrower-protection state sector dimension6; priorprivate-studentwagebankpropertyexemptions,medical,fullfederalprogrammerits excluded.","pending_corrections":1},{"key":"s_wa--pass-17","task":"S_WA","title":"SWA Washington small-loan / payday / deferred-deposit component","parent_title":"Washington debt and debt relief law","edition":"pass-17","path":"/research/s_wa--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":29,"claims":141,"sources":134,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"c6c19f2313c947210f26597a91be0f33cc13345d1102f32ef433b3fb68ef2088","headings":["1. Reading conventions and evidentiary status","2. Atomic consequential-claim register","A. Category, actor, exemption, and territorial boundaries","B. License, endorsement, limited-agent, and financial-security structure","C. Amount, income, term, repeat borrowing, and price","D. Agreement, disclosures, rescission, prepayment, and installment plans","E. Default, payment instruments, and sector collection restrictions","F. Database, records, security, and continuing duties","G. Prohibitions, enforcement, remedies, complaints, and nonwaiver","H. Version, proposal, and incorporation findings","3. Product, actor, exemption, license, charge, plan, default, and remedy distinctions","4. Complete relied-on quantity, unit, base, frequency, endpoint, and exception register","Symbol definitions","A. Borrower/product quantities","B. Market-access, records, reporting, and remedy quantities","5. Material version, effective-date, application, and transition relationships","6. Prior reviewed scope, reuse, new evidence, and remaining gaps","7. Conditional branches: missing predicate, supported consequence, inference restraint, next generic inquiry","8. Wholly blank conceptual worksheet","9. Granular coverage of questions 1–8","10. Complete source and usage register","A. Current core statutes","B. Current implementing rules","C. Necessary incorporated/boundary statutes","D. Adopted statutory and rule originals","E. Currentness and proposal-status sources","F. Additional complete current rules used for rights and continuing duties","G. Failed or nonrelied access records","11. Complete read, search, and failure log","A. Consolidated read log","B. Search log","C. Fresh failure and alternate-route log","12. Exact remaining currentness, history, incorporation, and construction gaps","13. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-17","facets":{"geography":["us","us-wa"],"debt_type":["payday"],"stage":[],"subject":[]},"scope":"Independent required generic payday-smallloan-deferredpresentment sector dimension6; priorprovider/wages/limitations/studentservicing/ordinaryloan/federalmerits excluded.","pending_corrections":0},{"key":"s_wa--pass-18","task":"S_WA","title":"Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund","parent_title":"Washington debt and debt relief law","edition":"pass-18","path":"/research/s_wa--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":23,"claims":122,"sources":78,"review_status":"whole_first_scoped_review_complete_two_material_patches_resolved_other_holds","review_complete":true,"sha256":"3f3c3e9bbd4ca4d16cb758163d2f1edf52c9128b61463aaa8d02c453a004cef7","headings":["Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund","Reading conventions","1. Reviewed reuse, new evidence and remaining scope","2. Atomic consequential claim ledger","A. Category, purpose, territory, actors and the narrow licensing gateway","B. Interest, origination charges and other fees","C. Agreement, disclosure, advertising and record structure","D. Payment, payoff, prepayment, refinancing and refunds","E. Necessary consequence interfaces","F. Material history and currentness","3. Required distinctions and comparisons","4. Quantity, unit, base, timing and endpoint ledger","Symbolic relations only","5. Source and usage ledger","A. Current statutory bodies","B. Current implementing rules","C. Adopted statutory originals","D. Adopted rule originals","E. Currentness, discovery and unsuccessful access records","6. Material version, effective-date and application relationships","7. Conditional branches: missing predicates, consequences and next generic inquiry","8. Wholly blank conceptual worksheet","9. Granular coverage of questions 1–7","10. Actual read, search and failure log","A. Read and navigation log","B. Exact search-query log","C. Complete fresh failure log","11. Exact remaining holds","12. Researcher self-check — not independent review"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-18","facets":{"geography":["us","us-wa"],"debt_type":["mortgage"],"stage":["origination"],"subject":["agreements-disclosures","consolidation-refinancing"]},"scope":"DistinctremainingordinarynonmortgageCLAorigination/pricing/agreement/disclosure/payment/prepayment/refinancing/refunds; necessarygatewayonly/fullstudentmortgagepaydaylicensingadministrationexcluded.","pending_corrections":0},{"key":"s_wa--pass-19","task":"S_WA","title":"Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries","parent_title":"Washington debt and debt relief law","edition":"pass-19","path":"/research/s_wa--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":24,"claims":120,"sources":82,"review_status":"revise_two_bounded_quantity_wording_corrections_pending","review_complete":true,"sha256":"9803eb220c91ebd18836b8958b885020deae585c7bd0eeeeacb636ceff5a3c10","headings":["Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries","1. Provenance and remaining-scope matrix","2. Source and usage ledger","Reading conventions","2.1 Current statutory and rule bodies","2.2 Adopted originals","2.3 Discovery and failed-source records","3. Atomic consequential-claim ledger","3.1 Scope, actors and collection","3.2 Exemption, income and changes of status","3.3 Deferral and veteran-survivor grant","3.4 Disaster, improvements and foreclosure","3.5 Review, refunds and version consequences","4. Route, actor, act and consequence comparisons","5. Quantity, endpoint, frequency and symbolic-relation register","5.1 Collection and payment constants","5.2 Exemption and income constants","5.3 Deferral and grant constants","5.4 Disaster, improvements, foreclosure and remedies","5.5 Symbolic relations only","6. Material version, effective-date and application relationships","7. Conditional branches and exact next generic inquiries","8. Wholly blank conceptual worksheet","9. Granular coverage of questions 1–7","10. Actual read, search and failure log","10.1 Read sequence and boundaries","10.2 Actual bounded discovery searches","10.3 Complete fresh failure log","11. Exact remaining dependencies and construction holds","12. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-19","facets":{"geography":["us","us-wa"],"debt_type":["tax"],"stage":["late","foreclosure"],"subject":["hardship-workouts","exemptions-property","foreclosure-repossession","tax-cancellation","research-quality"]},"scope":"Distinctgenericresidentialrealpropertytaxarrears/paymentrelief/exemptiondeferral/taxforeclosureboundary","pending_corrections":2},{"key":"s_wa--pass-20","task":"S_WA","title":"Ordinary contested civil debt proof in Washington","parent_title":"Washington debt and debt relief law","edition":"pass-20","path":"/research/s_wa--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":21,"claims":165,"sources":123,"review_status":"scoped_coordinator_review_selected_primary_text_all_holds_retained","review_complete":true,"sha256":"0a87c3584a0160ca7c68c5b75f27f940719496d08cc78b6b913c94c9e62203e3","headings":["Ordinary contested civil debt proof in Washington","1.1 Court-specific scope and legal roles","1.2 Assertions, admissions, affidavits, and declarations","1.3 Documentary and electronic proof","1.4 Hearsay, business records, public records, and missing records","1.5 Summary judgment","1.6 Collection-agency, debt-buyer, and assignment interfaces","1.7 Versions, originals, and currentness","2.1 Reuse / new evidence / remaining-gap matrix","2.2 Route and consequence comparison","3.1 Court scope, pleadings, admissions, declarations, and general evidence","3.2 Documents, electronic records, and hearsay","3.3 Summary judgment, timing, finality, collection, and assignment","3.4 Adopted originals and their exact reading boundaries","3.5 Navigation, metadata, and unsuccessful access","4.1 Scope, pleadings, statements, and admissibility","4.2 Documentary/electronic evidence and hearsay","4.3 Summary judgment, collection, and future-law boundaries","Atomic claims C101–C146","Atomic claims C147–C165","Other version limits","11.1 Reading and navigation log","11.2 Exact search-query log","11.3 Failure and image-availability log"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-20","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":["proof-evidence"]},"scope":"Distinctreviewedremainingordinarycontestedcivildebtproof/documentauthentication/hearsay/businessrecords/summaryjudgmentdimension4; initialcourt/default/fulltrialdiscovery/appellateexcluded.","pending_corrections":0},{"key":"s_wv--pass-01","task":"S_WV","title":"SWV West Virginia provider market access and consumer fees","parent_title":"West Virginia debt and debt relief law","edition":"pass-01","path":"/research/s_wv--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":43,"sources":15,"review_status":"provider_component_reviewed_with_primary_access_history_and_application_holds","review_complete":true,"sha256":"da0b5c6e64d888df93981af513228f9883572a74da4eb165a03fed5fe30c3e05","headings":["Executive determination","1. Current classification of debt adjustment, settlement, DMP, counseling, and related fee-taking","1.1 Controlling activity definition","1.2 Model-by-model classification","1.3 Consumer/business distinctions under the overlays","2. Prohibited, registered, licensed, or conditionally exempt models","2.1 Core debt-pooling status","2.2 Is all performance of debt pooling prohibited?","2.3 Attorney condition","2.4 Nonprofit condition","2.5 Financial institutions and other entities","2.6 Authorization matrix","3. Applicable fee structures and current limits","3.1 Core debt-pooling consumer fee ceiling","3.2 Nonprofit additional charge","3.3 Attorney fee-cap exception","3.4 No indexing or adjusted table","3.5 No separate state subcaps","3.6 CSO fee and bond rules","3.7 Telemarketer government fees and security","3.8 Refund and credit rules within this component","4. When fees may be requested or received","4.1 Core West Virginia timing","4.2 State CSO timing","4.3 West Virginia telemarketing credit-improvement timing","4.4 Federal TSR timing as common context","4.5 Federal CROA timing as conditional overlap","4.6 Combined constraint order","5. Current regulator procedure, lookup, and public market-access evidence","5.1 Core debt pooling","5.2 CSO registration procedure","5.3 Telemarketer registration procedure","5.4 General business registration","5.5 Named-provider status","6. Worked examples","7. Component-level answer and remaining investigations","B1. West Virginia primary and official operational sources","B2. Federal common-context sources","D1. Example 1 — cumulative actual deposits and prior fees","D2. Example 2 — enrolled debt is not the fee base","D3. Example 3 — qualifying nonprofit counseling charge","D4. Example 4 — partial settlement with consistent TSR proportional allocation","Contract inputs","First triggered debt: A","Later triggered debt: B","D5. Example 5 — uniform percentage-of-savings method as a separate scenario","D6. Example 6 — prior fees and cancellation overlays","D7. Example 7 — classification hold for direct-pay negotiation","D8. Provider government-fee separation","CSO filing","Telemarketer registration","D9. Scope coverage and gap table","Actually read and relied on","Discovery only or not treated as authority","Not established","Process limitations preserved"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WV/pass-01","facets":{"geography":["us","us-wv"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"First extensive West Virginia provider market access/consumer-fees component only; all broader state dimensions remain required.","pending_corrections":0},{"key":"s_wi--pass-01","task":"S_WI","title":"SWI Wisconsin provider market access and consumer fees","parent_title":"Wisconsin debt and debt relief law","edition":"pass-01","path":"/research/s_wi--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":45,"sources":24,"review_status":"narrative_crosswalk_correction_pending_with_primary_currency_and_scope_holds","review_complete":true,"sha256":"9bb4fdd4882ea848b1d3c2e3a70969f4f73379927e6bc20729f86a32bce5ea94","headings":["Executive disposition","1. Classification of the covered business models","1.1 Statutory definition","1.2 Conduct matrix","1.3 Custodial versus noncustodial models","1.4 Resident and remote-provider nexus","1.5 Consumer versus business purpose","2. Prohibited, licensed, authorized, and potentially exempt models","2.1 General licensing result","2.2 Operational model matrix","2.3 Nonprofit status","2.4 Attorneys","2.5 Financial institutions, original creditors, and self-creditor activity","2.6 Consequences of unlicensed operation","3. Current fee authority","3.1 Controlling current architecture","3.2 Consumer and creditor fee table","3.3 Monthly distribution plan","3.4 Performance-fee plan","3.5 One-time setup charge","3.6 Creditor contributions","3.7 Aggregate and per-debt limits","3.8 No verified indexing","3.9 Reconciliation with older fee materials","4. When fees may be requested or received","4.1 Wisconsin rules","4.2 Federal TSR timing when applicable","TSR coverage limitation","4.3 Debtor-controlled dedicated accounts","4.4 Credit-improvement representations","Federal telemarketing credit-repair timing","Federal CROA","Wisconsin credit-services organizations","5. Public market-access procedure and lookup","5.1 Issuing regulator and application route","5.2 Government charges","5.3 Public lookup","5.4 Reporting evidence","5.5 Current-law and precedent status","D1. Monthly distribution-fee examples","Example D1-A — $900 creditor-distribution payment","Example D1-B — $1,800 creditor-distribution payment","D2. Performance fee with completed satisfaction","Example D2-A — Maximum percentage","Example D2-B — Lower debt","Example D2-C — No savings","D3. Multi-debt performance contract with prior earnings and cancellation","Debt A","Debt B","Cancellation branches","D4. Partial installment settlement","D5. Setup-fee transition","D6. Creditor contribution","D7. Unlicensed provider","Component coverage and gap table","Exact next investigations","Actually read or inspected","Not fully read or not established","Process and provenance"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-01","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["repossession"],"subject":["fees-outcomes","provider-licensing"]},"scope":"First extensive Wisconsin provider market access/consumer-fees component only; all broader state dimensions remain required.","pending_corrections":1},{"key":"s_wi--pass-02","task":"S_WI","title":"Wisconsin collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","parent_title":"Wisconsin debt and debt relief law","edition":"pass-02","path":"/research/s_wi--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":60,"sources":28,"review_status":"revise_four_bounded_scope_bond_traceability_guidance_qualifications_UNSENT","review_complete":true,"sha256":"1112adb1ae1d6161b134a1ac8bbd0aef2c8da659d0cdce1b951a6a55169891a6","headings":["Wisconsin collection-agency/debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","Important access limitation","1. Governing classification architecture","1.1 The three Wisconsin layers","1.2 Section 218.04 definition and exclusions","Healthcare billing company exclusion","1.3 Territorial nexus","1.4 Model-by-license, registration, and conduct matrix","2.1 Issuing regulator and application","2.2 Offices, branches, and remote employees","2.3 Initial and recurring government charges","2.4 License period, renewal, reporting, and changes","2.5 Bond and financial security","2.6 Material licensing discipline conditions","2.7 Public verification","2.8 Complaint route","2.9 Consumer-facing Wisconsin license identity","3.1 Coverage must be tested actor by actor","3.2 State-conduct matrix","3.3 Calls, times, and harassment","3.4 Workplace contacts","3.5 Third-party contacts and privacy","3.6 Cease requests","3.7 Threats, false process, and legal status","3.8 Fees and interest","3.9 Disputes and credit reporting boundary","3.10 Electronic contacts","4.1 Scope comparison","4.2 Debt buyers — Henson v. Santander","4.3 Collection lawyers — Heintz v. Jenkins","4.4 Security-interest enforcement — Obduskey v. McCarthy","4.5 Preservation of state law","Hornik","Security Finance","Koble","Plaza","Debt-buyer licensing search result","Example 1 — Original creditor versus purchased debt","Scenario A: Original creditor","Scenario B: Genuine debt buyer","Example 2 — Sham purchase","Example 3 — Remote agency","Changed fact: collector travels to Wisconsin","Changed fact: email/SMS only","Example 4 — Attorney collector","Changed fact: nonresident attorney","Example 5 — Workplace callback","Example 6 — Prohibited threats","Example 7 — Credit/debit-card fee","Payment of $400","Payment of $1,200","Example 8 — Current operational bond calculation","Example 9 — Call frequency","Example 10 — Initial Wisconsin license notice","Example 11 — Overpayment","$4 overpayment, no other account listed","$4 overpayment, another account listed","$7 overpayment, no other account listed","Example 12 — Electronic opt-out","S_WI-P02-S001 through S_WI-P02-S028"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-02","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing","limitations-revival"]},"scope":"Independent requiredcollection licensing/modelcoverage/stateconduct; P1provideronlyfullysavedUNREVIEWEDnotpremise; reusefailedMTviewafteroneboundeddisplayrecoverypreserved","pending_corrections":4},{"key":"s_wi--pass-03","task":"S_WI","title":"Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation","parent_title":"Wisconsin debt and debt relief law","edition":"pass-03","path":"/research/s_wi--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":63,"sources":34,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"45b6525da852e0d960474f31d79771eca19af545112b3fad2c4c60e7be7528cf","headings":["Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation","State-source access limitation","1. Wisconsin Consumer Act gateway","First-lien mortgage caution","2. Territorial nexus","3. Actor-by-duty matrix","1. Initial transaction documents","1.1 Exact copy before payment becomes due","1.2 Retained signed writings and later copy demand","1.3 Natural-person obligor or guarantor","2. Account statements and evidence of payment","Open-end initial disclosures","3. Written questions about bills or statements — DFI-WCA 1.36","3.1 Trigger and actors","3.2 Timing","3.3 Payment-instrument exception","3.4 Disputed status and collection effect","4. Assignment notice and proof","4.1 Consumer-credit assignment — Wis. Stat. §422.409","Payment direction","Assignment-notice content","Reasonable proof on request","Joint parties and changed addresses","4.2 UCC assignment proof — Wis. Stat. §409.406","5. Wisconsin disputed-status disclosure","6. Licensed collection-agency records and debtor access","6.1 Records that must exist","6.2 Payment history","6.3 Paid-or-settled receipt","6.4 Backup, creditor reports, and account return","1. Federal actor and debt predicates","2. Initial validation information","2.1 Statutory timing","2.2 Required identity and account information","2.3 Itemization date","2.4 Mortgage special rule","3. Validation period and receipt","4. Oral versus written disputes","4.1 Oral or otherwise nonwritten contact","4.2 Timely written dispute","4.3 Timely original-creditor request","4.4 Later dispute","5. Verification standard and restart","6. Duplicative disputes","7. Overshadowing and the model form","8. Electronic delivery","9. Federal records","10. Federal preservation of Wisconsin law","Walton","Janetos","Rsidue","Bounded negative appellate search","Example 1 — Original creditor account statement versus federal validation","Facts","Applicable state branch","Federal branch","Not automatically required","Example 2 — Written question under DFI-WCA 1.36","Facts","Relative timeline"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-03","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["collection","lawsuit"],"subject":["validation-disputes","limitations-revival"]},"scope":"Independent expresslydeferred validation/dispute/documentation; onlyafterWI2complete/saved; P1/P2unreviewednotpremises","pending_corrections":3},{"key":"s_wi--pass-04","task":"S_WI","title":"Credit reporting, disputed information, settlements, and reporting consequences","parent_title":"Wisconsin debt and debt relief law","edition":"pass-04","path":"/research/s_wi--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":14,"claims":51,"sources":42,"review_status":"revise","review_complete":true,"sha256":"5e3d45ab6f4ed558c20d27bd3dd3e30de75ace033d625d78b02c4a4c3bc4fc2f","headings":["Credit reporting, disputed information, settlements, and reporting consequences","1. Critical current-law findings","The 2025 federal medical-debt reporting ban is not operative","Wisconsin's disputed-debt rule differs from federal FCRA investigation duties","A consumer dispute can trigger different legal processes","2. Federal preemption substantially limits Wisconsin reporting claims","3. Actor, debt, and jurisdiction coverage","4. Before a collector reports: Wisconsin, FDCPA, and Regulation F","4.1 Wisconsin false-credit and disputed-status duties","4.2 Regulation F debt parking","4.3 FDCPA disputed-status furnishing","5. FCRA investigation architecture","5.1 Initial furnisher duties: §623(a)","5.2 CRA-mediated dispute: §§611 and 623(b)","5.3 Direct-to-furnisher dispute: Regulation V §1022.43","5.4 Reporting/investigation outcome matrix","6. Relative clocks, notices, and decision-makers","7. Reporting status, obsolescence, and settlement consequences","7.1 First delinquency and re-aging","7.2 Reporting status matrix","7.3 Public records and bankruptcy","8. Medical debt: current authority and voluntary practice","Controlling status","Separate, surviving categories","9. State–federal claims, remedies, and preemption","Wisconsin statutory damages are not automatically the federal award","Federal limitations, causation, and concrete injury","10. Controlling case grid and important limitations","Later-treatment and version limitations","11. Hypothetical evidence and decision workflows","Example 1 — Original creditor reports a balance the consumer disputes","Example 2 — Third-party collector wants to report before contact","Example 3 — Late oral dispute outside the validation period","Example 4 — CRA-mediated versus direct furnisher dispute","Example 5 — Thirty versus forty-five days, with new evidence","Example 6 — Fully settled account still displays original unpaid balance","Example 7 — Paid medical collection","Example 8 — New collector and an old charged-off account","Example 9 — Duplicate accounts and disputed ownership","Example 10 — Claim of credit denial and damages","Example 11 — Wisconsin statutory penalty arithmetic without assuming a claim survives","Example 12 — Credit freeze versus collection/reporting","12. Source register — S_WI-P04-S001 onward","Wisconsin and federal statutes/rules","Public policies, forms, enforcement routes, and decisions","13. Consumer access, official instructions, and evidentiary records","Access to reports","Security freezes","Official forms and instructions","Evidence to retain versus legally mandatory records","14. Claim register — S_WI-P04-C001 onward","15. Complete PASS-04 coverage and gap matrix","16. Exact follow-on research holds","17. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-04","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation","credit-reporting"]},"scope":"DistinctremainingWisconsincreditreporting/disputedinformation/settlement-reportingstate-federalintersection;P1P2P3unreviewednotpremises;afterP3whole saved","pending_corrections":0},{"key":"s_wi--pass-05","task":"S_WI","title":"SWI Wisconsin correction dossier","parent_title":"Wisconsin debt and debt relief law","edition":"pass-05","path":"/research/s_wi--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":16,"claims":28,"sources":34,"review_status":"revise_two_narrow_residual_repairs_with_current_primary_holds","review_complete":true,"sha256":"3584e147191d8231e216165aadf68516d43b42ff1adf280ea868ed8c4892eabd","headings":["G1. Corrected federal predicates and exceptions","1. Regulation F §1006.30(b): paid, settled, and discharged debts","Separate §1006.30(a) debt-parking rule","2. FCRA §1681s-2(a)(1)(C): the missing address qualification","G2. Corrected pinpoints and previously missing atomic claims","3. Turner — exact Wisconsin opinion-page mapping","4. Security freezes — corrected statutory cross-reference","5. Negative-information notice — separate §623(a)(7) claim","6. FDCPA remedies — separate §1692k claim","G3. Current primary-access and confidence holds","7. Wisconsin official-source failure remains unresolved","8. Free annual report — primary text newly recovered","9. Medical publisher policies — exact verified wording","G4. Rendering, medical-rule status, and observation corrections","10. Replace duplicated formulas with one plain expression each","11. The January 2025 medical rule was final, then vacated","12. Observation and version boundaries","13. Bounded corrected comparisons","14. Group-resolution and PASS-04 crosswalk","Newly read federal authorities, opinions, and publisher materials","Wisconsin current-text and legacy-evidence holds","Additional newly read or failed federal passages"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-05","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedP04G1-G4 federalexceptions/pinpoint/crosswalk/currentbodyholds/rendering correction","pending_corrections":0},{"key":"s_wi--pass-06","task":"S_WI","title":"SWI Bounded corrections to","parent_title":"Wisconsin debt and debt relief law","edition":"pass-06","path":"/research/s_wi--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":13,"sources":7,"review_status":"targeted_two_residual_repairs_addressed_with_limits","review_complete":true,"sha256":"a0866bc6432469e8d473afe32a2696708870f94e9bd5ee92320ae8c4cd2c3582","headings":["G1. Exact Regulation F predicates and exceptions","1. Replace PASS-05 C001's inconsistent conditions cell","2. Preserve the different scopes of the exceptions","3. Two bounded classification comparisons","G2. Corrected self-check counts and provenance","4. Replace PASS-05's final audit counts","5. Preserve the distinct source-access histories","6. Preserve the separate federal investigation clocks","7. Other holds remain untouched","8. Complete PASS-05 → PASS-06 crosswalk","9. PASS-06 source register","10. PASS-06 atomic claim register","11. Complete two-group coverage and retained holds","12. Final count and provenance reconciliation"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-06","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only constructiveknowledge/actionpredicatecell and actualvisibleauditcounts/provenancebounds; unaffectedP04/P05retained","pending_corrections":0},{"key":"s_wi--pass-07","task":"S_WI","title":"SWI Wisconsin hospital / medical-bill financial assistance, charity care, patient billing, and assistance-related collection protections","parent_title":"Wisconsin debt and debt relief law","edition":"pass-07","path":"/research/s_wi--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":10,"claims":32,"sources":17,"review_status":"scoped_review_complete_with_explicit_limits","review_complete":true,"sha256":"5ad642b7a82605e464080728558757c17ddc3942d1f8ce93f987c9e0e8fd13b1","headings":["Executive findings","1. Federal §501(r) actor and facility gateway","Actor / service classification matrix","2. Wisconsin's currently verified state layer","3. What a qualifying FAP must contain","4. Provider-list boundary","5. Publicity, paper copies, billing statements, and translations","6. Emergency care and FAP eligibility are separate","7. Charges for FAP-eligible patients","8. What qualifies as an extraordinary collection action","Debt sale that is not treated as an ECA","9. Ordinary notification route","10. Application period","11. Incomplete application","12. Complete application","13. Refund rule","14. Medicaid screening","15. Referral or sale to a collector","Example 1 — Uninsured person at a qualifying charitable hospital","Example 2 — Insured person with an uncovered balance","Example 3 — Independent emergency physician bill","Example 4 — Incomplete FAP application","Example 5 — Complete application after collection activity began","Example 6 — Later FAP approval and refund","Example 7 — Changed provider status / nonqualifying facility","16. Calendar example — 120-day and 30-day ECA gates","17. Federal consequence is principally tax-compliance enforcement","18. Generic official routes","19. Evidence-backed SettleADebt article/tool opportunities"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-07","facets":{"geography":["us","us-wi"],"debt_type":["medical"],"stage":["collection"],"subject":["medical-assistance","employment-care-benefits"]},"scope":"Only reviewed P04row9 hospital medical-bill financial assistance/charitycare and directly related collection","pending_corrections":0},{"key":"s_wi--pass-08","task":"S_WI","title":"Wisconsin ordinary civil money judgments: entry, docketing, liens, enforceability, renewal, interest, payments, and satisfaction","parent_title":"Wisconsin debt and debt relief law","edition":"pass-08","path":"/research/s_wi--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":13,"claims":43,"sources":30,"review_status":"scoped_review_targeted_repairs_addressed_current_primary_holds_remain","review_complete":true,"sha256":"02d7cd42196322494a9bff55b69df3561eb711e0c79b471da25aad507e53f90e","headings":["Wisconsin ordinary civil money judgments: entry, docketing, liens, enforceability, renewal, interest, payments, and satisfaction","Wisconsin primary-text access qualification","1. Rendition, entry, perfection, and docketing","1.1 Rendition","1.2 Entry","1.3 Perfection","1.4 Docketing","2. Ten-year real-property lien","2.1 Other Wisconsin counties","2.2 Homestead and exempt-property boundary","2.3 Spouse and former-spouse property","3. Small-claims money judgments","4. Suspension, appeal, and lien restoration","4.1 Legally delayed enforcement","4.2 Appeal","5. Ordinary execution within five years","6. Execution after five years","7. Twenty-year outer execution limit","8. Action on a Wisconsin judgment","8.1 What the action accomplishes","8.2 Timing and good cause","8.3 No automatic restart from partial payment or acknowledgment","9. Intervening events and special exceptions","Death or estate","Bankruptcy","Family/support and legally impossible enforcement","10. Ordinary postjudgment-interest formula","11. Verified 2026 rates","12. Pre-entry interest and costs are distinct","13. Special rates and categories","14. Simple versus compound interest","15. Partial-payment allocation","16. Private payment is not the same as docket satisfaction","Partial satisfaction","Clerk’s act","17. Other statutory satisfaction routes","Execution returned satisfied","Deposit with the clerk","Fully paid but creditor does not satisfy","18. Lien effect of satisfaction","19. Satisfaction in other Wisconsin counties","19.1 Act 60 procedure","19.2 Forms and version limits","20. Satisfaction and credit reporting","Example 1 — Different rendition, entry, and docket dates","Example 2 — Judgment approaching the twenty-year boundary","Example 3 — Expired property lien and claimed “renewal”","Example 4 — One year of interest and a partial payment","Example 5 — Compromise payment and full satisfaction","Example 6 — Partial satisfaction involving two judgment debtors","Example 7 — Satisfaction in multiple counties","Example 8 — Small-claims judgment never docketed","Example 9 — Appeal and a “secured on appeal” notation","Example 10 — Foreign judgment","21. P04 boundary crosswalk","22. Evidence-backed article and tool opportunities","Judgment Clock Classifier","Postjudgment Interest Calculator","Satisfaction Checklist","Actual reading"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-08","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment","resolution"],"subject":["interest-charges-math","judgments-duration"]},"scope":"Only reviewed excludedP04row8/C048 Wisconsin civil moneyjudgmentduration/lien/revival/interest/satisfaction","pending_corrections":0},{"key":"s_wi--pass-09","task":"S_WI","title":"Federal identity-theft credit-report blocking, fraud alerts, ordinary security freezes, and protected-consumer freezes","parent_title":"Wisconsin debt and debt relief law","edition":"pass-09","path":"/research/s_wi--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":17,"claims":43,"sources":21,"review_status":"scoped_review_four_qualification_repairs_addressed_remaining_holds","review_complete":true,"sha256":"9c2ac323cff0da209ba285ae8fb4914330db96e6777577a9bd7ba91b7d65da8e","headings":["Federal identity-theft credit-report blocking, fraud alerts, ordinary security freezes, and protected-consumer freezes","1. Actor and route matrix","2. The complete four-element block packet","Packet-element matrix","3. “Identity theft” and “identity-theft report”","4. Four-business-day block and furnisher notice","5. Declining or rescinding a block","6. Resellers, check services, and law enforcement","Reseller without a relevant maintained or currently resold report","Reseller maintaining the identified report","Check-services company","Law enforcement","7. Furnisher, transfer, and collector consequences","CRA notice to furnisher","Direct identity-theft report to a furnisher","Selling, transferring, or placing the debt for collection","Third-party debt collector","8. Block versus ordinary dispute","9. Alert comparison","10. Initial fraud alert","11. Extended fraud alert","12. Active-duty alert","13. User verification duties","Initial and active-duty alerts","Extended alert","14. Referral, resellers, and other CRAs","15. Ordinary national freeze: coverage and operation","Placement, confirmation, removal, and temporary lift","16. Complete ordinary-freeze exception matrix","17. Freeze rights notice and web access","18. Protected consumers under subsection (j)","Who is a protected consumer?","Placement and creation of a record","Release and removal","19. Ordinary versus protected-consumer freeze","Example 1 — Complete block packet","Example 2 — Incomplete or minimally detailed identity-theft report","Example 3 — Block declined or rescinded","Example 4 — Initial versus extended alert","Example 5 — Active-duty alert","Example 6 — Ordinary freeze and one-hour temporary lift","Example 7 — Existing creditor or collector versus a new creditor","Example 8 — Child or protected adult with missing authority proof","Example 9 — Blocked debt transferred to another collector","20. Current primary text","21. P04/P05 old-to-new crosswalk","22. Wisconsin §100.54 hold","Core federal coverage","Actual reading","Access and currentness limitations","Clock checks","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-09","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["repossession"],"subject":["credit-reporting","identity-fraud"]},"scope":"ReviewedP04row11remainingfederalidentitytheftblocks/alerts/fullfreezes; no unreviewedP07/P08premise","pending_corrections":0},{"key":"s_wi--pass-10","task":"S_WI","title":"Four bounded corrections to Wisconsin","parent_title":"Wisconsin debt and debt relief law","edition":"pass-10","path":"/research/s_wi--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":9,"claims":11,"sources":6,"review_status":"four_P08_bounded_groups_addressed_with_holds","review_complete":true,"sha256":"4972e948801f7baec448256fe032919160af32e89750e93a50c0aafb3ad4d6be","headings":["Four bounded corrections to Wisconsin PASS-08","Replacement for the PASS-08 introduction, §19.1, S023, C036, C040, and affected self-check language","Correct source-status classification","Replacement for PASS-08 §19.1","Corrected branch structure","Exact replacement for PASS-08 Example 7","Preserved PASS-08 material","Replacement for PASS-08 §15 and S_WI-P08-C026","Replacement claim cell for S_WI-P08-C026","Corrected PASS-08 Example 4 adverse branch","Replacement for S_WI-P08-S013","Replacement for S_WI-P08-C014","Replacement for S_WI-P08-C015","Replacement for S_WI-P08-C018","Scope retained","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-10","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyfourreviewedP08source/predicate/pinpointrepairs; waitactiveP09completecapture/idle","pending_corrections":0},{"key":"s_wi--pass-11","task":"S_WI","title":"Wisconsin ordinary consumer-judgment earnings garnishment","parent_title":"Wisconsin debt and debt relief law","edition":"pass-11","path":"/research/s_wi--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":48,"sources":34,"review_status":"scoped_coordinator_review_UNSENT_traceability_repairs","review_complete":true,"sha256":"93e2bd887dd1350b1fd1b50ae7ff51be3c0d158616186eb7a9fd32a39612c8a4","headings":["Wisconsin ordinary consumer-judgment earnings garnishment","1. Covered proceeding","2. Statutory actors","3. Earnings and disposable earnings","4. Venue and existing judgment","5. Commencement and required forms","6. Service sequence","7. Garnishee’s initial response","8. Duration","Written extension","9. Special duration branches","10. Garnishee fees","11. Wisconsin’s ordinary 80% exemption","12. Federal CCPA ceiling","13. Combined ordinary calculation","14. Complete poverty exemption","15. Need-based-public-assistance exemption","16. Partial poverty protection","17. Current Wisconsin poverty schedule","18. Support priority","19. Special debts outside ordinary Wisconsin exemptions","20. Multiple orders and aggregate ceiling","21. Debtor answer","22. Garnishee treatment of the answer","23. Creditor objection and hearing","24. Hardship relief","25. Bad-faith answer or objection","26. Employer payment to creditor and notice to debtor","27. Garnishee liability","28. Wisconsin employer-retaliation rule","29. Federal discharge protection","Example 1 — Weekly wages below the federal floor and poverty line","Example 2 — Weekly middle income where the federal floor controls","Example 3 — Weekly higher wages where Wisconsin’s 20% controls","Example 4 — Biweekly earnings reduced by the poverty cap","Example 5 — Monthly pay with poverty protection","Example 6 — Support assignment reduces the ordinary order","Example 7 — Need-based-public-assistance branch","Example 8 — Two ordinary creditor garnishments","Example 9 — Debtor answers after withholding begins","Example 10 — Service and 13-week calendar","Example 11 — Employer remittance window","Example 12 — Employer threatens discharge","Example 13 — Bank funds are outside this pass","30. Old-to-new disposition","31. Evidence-backed article and tool opportunities","Wisconsin earnings-garnishment classifier","Conditional withholding worksheet","Process checklist","Actual reading","Currentness and access limits","Arithmetic check","Calendar check","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-11","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment","levy"],"subject":["wage-garnishment","research-quality"]},"scope":"ReviewedP08D5ordinaryconsumerjudgmentEARNINGSgarnishmentonly;currentgatewaysfresh,non-earningsdeferred;unreviewedconclusionsnotadopted","pending_corrections":2},{"key":"s_wi--pass-12","task":"S_WI","title":"Four bounded qualification repairs to reviewed","parent_title":"Wisconsin debt and debt relief law","edition":"pass-12","path":"/research/s_wi--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":13,"sources":5,"review_status":"reviewed_scoped_four_bounded_repairs_addressed_with_holds","review_complete":true,"sha256":"0ae9c032c776ba15cdcf9752984022abe8483471a2fce9548efe279293c2511f","headings":["Four bounded qualification repairs to reviewed PASS-09","1. Replacement for PASS-09 paragraph 3 and S_WI-P09-C005","Exact Regulation V sequence","Relative timing comparison","Replacement claim cell for S_WI-P09-C005","2. Replacement for PASS-09 Example 2","3. Reseller wording correction","Replacement claim cell for S_WI-P09-C010","4. Check-services matrix correction","Corrected actor-matrix cell","5. Correct definition of “new credit plan”","6. Replacement for PASS-09 paragraph 13 and S_WI-P09-C023","Initial and active-duty alerts","Replacement claim cell","7. Replacement for S_WI-P09-C024","Extended alerts","8. Correct extended-alert period starts","9. Replacement for PASS-09’s A–J matrix row (B)","Corrected matrix row","10. Replacement for S_WI-P09-C029 and coverage row 67","11. Replacement for PASS-09 paragraph 18 and S_WI-P09-C037","Corrected S_WI-P09-C037","12. Textual implementation hold for self-requesting protected consumers","13. Temporary removal qualification","Ordinary versus protected-consumer proof","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-12","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["origination"],"subject":["identity-fraud"]},"scope":"Four bounded reportacceptance/alertscope/freezeB/protectedremovalreceiptproof repairs to reviewedP09, plus2ancillarycells","pending_corrections":0},{"key":"s_wi--pass-13","task":"S_WI","title":"Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-13","path":"/research/s_wi--pass-13/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":10,"claims":53,"sources":47,"review_status":"scoped_coordinator_review_qualifications_UNSENT","review_complete":true,"sha256":"f00b0f0e032c2fefe6bb19ffaac0b742bd333bd8c2166d3b4c5a300988757bfb","headings":["Wisconsin ordinary consumer-judgment non-earnings garnishment of bank/deposit accounts and exempt-funds gateway","1. Actor and legal-role matrix","2. Separate-action and postjudgment gateway","3. Commencement and service","3.1 Filing and issuance","3.2 Service on garnishee","3.3 Service on debtor","4. Financial-institution implementation point","5. Garnishee answer","6. Debtor answer and creditor response","7. Default and failure to answer","8. Scope of property held","9. Payment to the clerk and disposition","10. Third-party claimant and release bond","11. Wisconsin depository-account exemption","Deposit-account exemption conditions","12. Exemption must generally be claimed","13. Partial exemption, spouses, residency, and consumer-credit election","14. Deposited wages are not automatically CCPA “earnings”","15. Joint accounts, liens, setoff, and competing claims","16. Scope of 31 C.F.R. part 212","17. Definitions that control the automated review","18. First review: special federal or child-support notice","19. Account review timing and method","20. No coded payment in lookback","21. Coded benefit found: automatic protected amount","22. Funds above the protected amount","23. One review, later deposits, and multiple orders","24. Garnishment fees","25. Federal notice to account holder","26. Preemption, safe harbor, and records","27. Underlying federal benefit protections","Social Security","SSI","VA benefits","Railroad and OPM benefits","Example 1 — Ordinary unprotected personal funds","Example 2 — Coded federal benefit deposits; entire balance protected","Example 3 — Coded benefits plus $500 excess","Example 4 — Older benefit funds outside the automated lookback","Example 5 — Benefit paid by paper check","Example 6 — Wages deposited before bank garnishment","Example 7 — Joint account and nondebtor ownership claim","Example 8 — Debtor claims Wisconsin deposit exemption","Example 9 — Garnishee fails to answer","Example 10 — Federal review clock and account-holder notice","Example 11 — Two orders and bank setoff claim","Example 12 — United States or child-support Appendix B order","28. PASS-08 D5 crosswalk","29. Evidence-backed article and tool opportunities","A. Wisconsin bank-garnishment process map","B. Deposit-account exemption checklist","C. Federal benefit protected-amount calculator","D. Clock checklist","Actual fresh reading","Currentness and evidence limits","Calculation check","Calendar check","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-13","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment","levy"],"subject":["bank-garnishment"]},"scope":"OnlyreviewedP08D5non-earningsdepositgarnishment/state-exemptionandfederalbankreviewgateway; no unreviewedP11wagepremises","pending_corrections":3},{"key":"s_wi--pass-14","task":"S_WI","title":"Wisconsin ordinary civil money-judgment personal-property execution, levy, and sheriff-sale gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-14","path":"/research/s_wi--pass-14/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":10,"claims":48,"sources":31,"review_status":"scoped_coordinator_review_complete_with_current_primary_secondary_judicial_application_holds","review_complete":true,"sha256":"bfb4efe8a2f093ec77ec6b18504aba63c9b4198ff321b5d7e45ed1fbdb32444d","headings":["Wisconsin ordinary civil money-judgment personal-property execution, levy, and sheriff-sale gateway","1. Execution is court process, not self-help","2. Core actors","3. Issuance and contents of the writ","4. Personal property precedes real property","5. County and delivery gateway","6. Sheriff’s endorsement","7. Sixty-day return, with levy-sale extension","8. Docketing is not a blanket personal-property lien","Distinction matrix","9. Levy binds from seizure","10. Creditor information and sheriff control","11. Indemnity where ownership or execution liability is doubtful","12. Money and negotiable instruments","13. Secured property and debtor equity","14. Exemption gateway only","15. Affirmative selection and timing","16. Valuation and appraisal","17. Partially exempt indivisible property","18. Other exemption predicates","19. Twenty-day public notice of personal-property sale","Personal-notice qualification","20. Perishable or rapidly depreciating property","21. Auction mechanics","22. Adjournment","23. Officer may not purchase","24. Defaced or omitted notice","25. Sale does not automatically extinguish security interests","26. Sheriff’s return and report","27. Fees and expenses","28. Application of proceeds and remaining balance","29. Property ownership is not presumed from possession","30. No blanket lien and no automatic priority","31. Bankruptcy automatic-stay gateway","32. Appeal or other state-law stay","33. Exemption objection and timing","34. No ordinary personal-property redemption period established","35. Sale title and set-aside remedies","36. Return fully, partially, or wholly unsatisfied","Example 1 — Ordinary judgment and valid writ","Example 2 — Creditor demands seizure without a writ","Example 3 — Ownership is contested","Example 4 — Debtor selects potentially exempt property","Example 5 — Twenty-day sale notice","Example 6 — Return period with pre-expiration levy","Example 7 — Public sale and conditional proceeds arithmetic","Example 8 — Prior secured interest","Example 9 — Bankruptcy or appellate stay uncertainty","Example 10 — Partial collection and unsatisfied return","37. Old-to-new disposition","38. Evidence-backed article and checklist opportunities","A. “From judgment to sheriff levy” process map","B. Personal-property execution checklist","C. Conditional sale-net calculator","Actual fresh reading","Currentness limitations","Arithmetic and calendar checks","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-14","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment","levy"],"subject":[]},"scope":"SettleADebt S_WI PASS-14 -- WISCONSIN, SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P08 D6 REMAINING ORDINARY CIVIL MONEY-JUDGMENT PERSONAL-PROPERTY EXECUTION/LEVY/SHERIFF SALE GATEWAY. Exact reviewed remaining row appended. WI1provider/WI2collector/WI3documentation/WI7medical/WI11earnings/WI13bankgarnishment saved UNREVIEWED: adopt none as accepted premises. P08judgment gateway/P10fourrepairs are scoped reviewed with current-primary/citator/local/private holds. Do not replay judgment duration/interest/satisfaction or use unreviewed wage/bank conclusions.","pending_corrections":0},{"key":"s_wi--pass-15","task":"S_WI","title":"Wisconsin homestead and ordinary personal-property exemption amounts, eligibility, and valuation gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-15","path":"/research/s_wi--pass-15/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":49,"sources":22,"review_status":"delegated_coordinator_scoped_review_complete_no_new_material_contradiction_established","review_complete":true,"sha256":"d26ba2c5c2fe980cd13b30621b07edc26ea854e3ec8ab36cbb27532cb63cf45f","headings":["Wisconsin homestead and ordinary personal-property exemption amounts, eligibility, and valuation gateway","Current principal amounts","1. Constitutional and statutory construction","2. Core statutory definitions","3. Homestead’s physical definition","4. Current amendment and amount history","5. Eligibility and amount","6. Equity, not gross value","7. Married owners and the $150,000 possibility","8. Occupancy and temporary absence","9. Sale proceeds and replacement homestead","10. Homestead assertion and burden","11. Levy-selection procedure","12. Release of a judgment lien","13. Liens and claims the exemption does not defeat","14. Current category and amount matrix","15. Business tools and closely held business are alternatives","16. Consumer goods and vehicle transfer","17. Life insurance and annuities","18. Personal injury, wrongful death, and traceability","19. Retirement benefits","20. Depository accounts and no general cash wildcard","21. Claiming and selecting ordinary exemptions","22. Valuation","23. Spousal exemptions","24. Partially exempt property and exempt proceeds","25. Tracing","26. Fraudulent transfers and exemption denial","27. Consumer-credit election","28. Purchase money, security interests, and voluntary liens","29. Residency","30. Bankruptcy boundary","Example 1 — Single-debtor homestead, fully exempt equity","Example 2 — Married joint owners without assumed automatic doubling","Example 3 — Sale proceeds and replacement-home intent","Example 4 — Financed vehicle","Branch A: fully exempt equity","Branch B: partial exemption with unused consumer-goods capacity","Example 5 — Tools and equipment used in an occupation","Example 6 — Household-property aggregate","Example 7 — Mixed deposit and benefit tracing","Example 8 — Joint personal property and nondebtor title","Example 9 — Voluntary security interest","Example 10 — Recently funded annuity","Example 11 — Bankruptcy-versus-state collection boundary","31. Old-to-new disposition","32. Evidence-backed content and tool opportunities","A. Wisconsin exemption worksheet","B. Homestead equity calculator","C. Category allocation checker","Actual fresh reading","Currentness and source limits","Arithmetic check","Timing check","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-15","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":["exemptions-property","research-quality"]},"scope":"OnlyreviewedP08D7statehomestead/personalpropertyexemptioncurrentamounts-equity-ownershipgateway; unreviewedWI11/13/14notpremises","pending_corrections":0},{"key":"s_wi--pass-16","task":"S_WI","title":"Wisconsin ordinary consumer money-debt small-claims commencement, service, appearance/answer, default, and necessary merits-proof gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-16","path":"/research/s_wi--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":12,"claims":58,"sources":34,"review_status":"scoped_coordinator_review_corrections_UNSENT","review_complete":true,"sha256":"ccc49e53456bdcb459b0ffefebcec346f818986607f70e252ef8a28b2ce9786c","headings":["Wisconsin ordinary consumer money-debt small-claims commencement, service, appearance/answer, default, and necessary merits-proof gateway","1. Ordinary money-claim scope","Categories that must remain separate","2. Future threshold","3. Amount claimed versus interest and costs","4. Commencement","5. Written complaint and summons content","6. Ordinary civil rules apply only where chapter 799 does not displace them","7. Return-date windows","Wisconsin resident, non-eviction","Nonresident","8. Natural-person service","9. Corporation and LLC service","10. Mail service","11. Publication and mailing","12. Proof of service","13. Appearance and answer on the return date","14. Oral versus written answer","15. Mail or telephone answer under local rule","16. Representation","17. Venue boundary","18. Plaintiff nonappearance","19. Defendant nonappearance","20. Contract money claim: permitted default-proof methods","21. Minimum proof architecture","22. Small-claims evidentiary standard","23. Current Wis. Stat. §425.109 merchant pleading requirements","Open-end claims","Non-open-end claims","Writings request","24. Right-to-cure gateway","25. “Creditor” changed to “merchant”","26. Assignment and ownership proof","Gemini Capital Group v. Jones","Palisades Collection v. Kalal","Scope limit","27. Deficiency claims","28. Military-status declaration","29. No automatic writ or collection","30. Contested route","31. Form and guidance matrix","32. Published precedents used","Example 1 — Ordinary money claim below the ceiling","Example 2 — Exactly the current ceiling","Example 3 — One cent above the current ceiling","Example 4 — Interest and costs classification","Example 5 — Return-date calculation","Example 6 — Ninety-day service period","Example 7 — Eight-day pre-return service","Example 8 — Unqualified attempted mail service","Example 9 — Missed return date, service disputed","Example 10 — Defendant appears and disputes the debt","Example 11 — Merchant complaint lacks balance breakdown","Example 12 — Debt buyer assignment gap","Example 13 — Organization represented by nonlawyer employee","Example 14 — Defendant is not the actual debtor","Example 15 — Form predates the future amendment","33. Old-to-new disposition","34. Evidence-backed article and tool opportunities","A. Wisconsin small-claims debt gateway"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-16","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["lawsuit"],"subject":["client-money","court-entry-service","proof-evidence","policy-history"]},"scope":"ReviewedP08D1ordinaryconsumer-moneydebtSMALLCLAIMScommencement/service/answer/default/proofgatewayONLY; allunreviewedP15andotherreportsnotpremises.","pending_corrections":3},{"key":"s_wi--pass-17","task":"S_WI","title":"Wisconsin small-claims motion to reopen or vacate an ordinary consumer money-debt judgment","parent_title":"Wisconsin debt and debt relief law","edition":"pass-17","path":"/research/s_wi--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":15,"claims":53,"sources":28,"review_status":"P17citation_and_dependent_support_repaired_or_explicitly_held_viaP19","review_complete":true,"sha256":"8e4cc0f8c20802a1af27b3e5737b8ee6b335911c93048a8bbecc79748e6d4d06","headings":["Wisconsin small-claims motion to reopen or vacate an ordinary consumer money-debt judgment","1. Chapter 799 controls the special small-claims route","2. Ordinary motion under §799.29","Actor and required-document matrix","3. Improper venue branch","4. Default judgment cannot be directly appealed","5. Filing, service, and hearing notice","6. Remote hearing is not automatic","7. Section 806.07 grounds as guideposts—not an ordinary alternative route","8. Excusable neglect and good cause","9. Promptness matters inside the twelve-month ceiling","10. Newly discovered evidence","11. Fraud, misrepresentation, or misconduct","12. Truly void versus merely erroneous or voidable","Small-claims service uncertainty","13. Voluntary appearance and waiver","14. Satisfied, released, or discharged judgment","15. Catchall and extraordinary circumstances","16. Grounds and applicable-route matrix","17. Ordinary §799.29 motion does not automatically stay enforcement","18. The §799.14 mail-service route has a mandatory stay","19. Reopening, vacating, and winning are different","20. Terms, costs, and partial relief","21. Restoration after a judgment is set aside","22. Notice and proof","23. Commissioner review, judge decisions, and appeals are different routes","24. Clerical error versus substantive disagreement","25. Statewide form matrix","26. Selected authority grid","Example 1 — Forgetfulness","Example 2 — Credible emergency","Example 3 — Alleged invalid service and voidness","Example 4 — Voluntary appearance","Example 5 — Inside twelve months but unreasonable delay","Example 6 — Outer twelve-month calculation and closed clerk’s office","Example 7 — Attempt to use catchall after twelve months","Example 8 — Newly discovered record","Example 9 — Fraud discovered on disputed date","Example 10 — Special mail-service 15-day clock","Example 11 — Special mail-service one-year cap controls","Example 12 — Opponent fraud","Example 13 — Paid or released judgment","Example 14 — Clerical error versus merits error","Example 15 — Bankruptcy-discharge claim","Example 16 — Commissioner decision confused with default judgment","Example 17 — Enforcement already underway","Example 18 — Mailed motion-hearing notice","27. P08 D2 old-to-new disposition","28. Evidence-backed article and tool opportunities","A. Wisconsin small-claims relief router","B. Good-cause evidence checklist","C. Conditional deadline display","Materials freshly read","Currentness and authority limits","Timing checks","Register reconciliation","No actions performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-17","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment"],"subject":["client-money","research-quality"]},"scope":"ReviewedP08D2ordinaryconsumer-moneydebtSMALLCLAIMSreopen/vacaturgatewayONLY;P16andotherunreviewedmodulesnotpremises.","pending_corrections":0},{"key":"s_wi--pass-18","task":"S_WI","title":"Wisconsin arbitration-award confirmation, vacatur, modification, and judgment gateway","parent_title":"Wisconsin debt and debt relief law","edition":"pass-18","path":"/research/s_wi--pass-18/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":12,"claims":66,"sources":36,"review_status":"citation_and_missing_atomic_claim_traceability_repairs_viaP20_C027sourcepending","review_complete":true,"sha256":"0772f66383dc9392d42e9df28143d14266c80f062a571844fa6ddaa0e199b06b","headings":["Wisconsin arbitration-award confirmation, vacatur, modification, and judgment gateway","The four principal Wisconsin stages","A court does not conduct an ordinary appeal from the award","Wisconsin and federal routes are not interchangeable","1. Written arbitration agreement and contract validity","2. Form of the award","3. Finality","4. Wisconsin confirmation","5. Where the award was “made”","6. Five-day confirmation notice","7. Vacatur grounds","8. Rehearing after vacatur","9. Modification or correction","10. Three-month notice rule","11. Response to a confirmation application","12. Stay of enforcement","13. Papers and judgment entry","14. Appeal","15. Wisconsin small-claims route","16. FAA coverage","17. Transportation-worker exclusion","18. Federal confirmation","19. Federal vacatur and modification","20. FAA grounds are exclusive for FAA expedited review","21. Choice of law and preemption","22. Federal subject-matter jurisdiction","23. Formation and nonparties","24. Wisconsin arbitrability allocation","25. Fraud, corruption, and undue means","26. Evident partiality","27. Procedural misconduct","28. Exceeding powers","29. Mere error versus Wisconsin’s exceptional review doctrines","30. Public policy and illegality","31. Numerical error","32. Matters not submitted","33. Form defects","34. Confirmation, vacatur, rehearing, and judgment are distinct","35. Generic document package","36. Statewide forms","Workflow 1 — Prompt confirmation of a final domestic money award","Calendar model","Workflow 2 — Award delivery date cannot be verified","Workflow 3 — Three-month service model","Workflow 4 — Untimely standalone vacatur notice","Workflow 5 — Fraud discovered after the award","Workflow 6 — Evident partiality","Workflow 7 — Refusal to hear evidence, but prejudice unproved","Workflow 8 — Disagreement with legal reasoning only","Workflow 9 — Evident arithmetic mistake","Workflow 10 — New issue outside the submission","Workflow 11 — Unsigned agreement or disputed nonparty","Workflow 12 — No independent federal jurisdiction","Workflow 13 — Five-day confirmation-hearing notice","Workflow 14 — Vacatur and discretionary rehearing","Workflow 15 — Foreign or Convention award","37. P08 D4 old-to-new disposition","38. Evidence-backed article and tool opportunities","A. Arbitration-award route classifier","B. Vacatur evidence checklist"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-18","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment"],"subject":["arbitration-adr"]},"scope":"ReviewedP08D4Wisconsinarbitrationawardconfirmation/vacatur/modificationgatewayONLY.","pending_corrections":0},{"key":"s_wi--pass-19","task":"S_WI","title":"Bounded citation-status correction to","parent_title":"Wisconsin debt and debt relief law","edition":"pass-19","path":"/research/s_wi--pass-19/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":12,"claims":23,"sources":5,"review_status":"P17pre2009citation_and_dependent_support_repairs_addressed_with_holds","review_complete":true,"sha256":"3b060ced1dedae8122cd1b2db5727211dbc7ebdcd994bd89d1ae7f4d92864be3","headings":["Bounded citation-status correction to PASS-17","1. Citation rule and currentness boundary","Operative distinction established by the sources read","Current integrated-body hold","2. Exact replacements for the two principal PASS-17 claim cells","S_WI-P17-C050 — full old-to-new replacement","S_WI-P17-C027 — full old-to-new replacement","3. Replacement source-status and case-grid cells","4. Remaining affected PASS-17 atomic-claim cells","Preserved supporting anchors—not fresh PASS-19 reads","5. Exact narrative and self-check replacements","PASS-17 §8: good cause and excusable neglect","PASS-17 §12: genuine voidness","PASS-17 §26: case-grid status sentence","PASS-17 final self-check","6. New citation-rule source register","7. New atomic correction claims","8. Complete affected PASS-17 coverage replacements","9. Old-to-new crosswalk","10. Two fictional citation-routing examples","Example A — Historical 1998 unpublished opinion","Example B — Authored 2019 unpublished opinion","11. Complete correction-scope coverage","12. Retained holds and territorial limits","Deferred holds","Territorial and local scope","13. Final provenance and count reconciliation","Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-19","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyreviewedP17pre2009unpublishedcitationstatusanddependentatomiccoverage/sourcecells; P18unreviewednotpremise.","pending_corrections":0},{"key":"s_wi--pass-20","task":"S_WI","title":"Bounded citation-status and claim-traceability repair to","parent_title":"Wisconsin debt and debt relief law","edition":"pass-20","path":"/research/s_wi--pass-20/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":5,"sources":7,"review_status":"citation_traceability_caption_repairs_addressed_C027_authority_and_tolling_explicitly_pending","review_complete":true,"sha256":"1b72fc3e496b6658769c78af8e8dc0f298decb2b0f4874c348820ac635f64745","headings":["Bounded citation-status and claim-traceability repair to PASS-18","2.1 Replacement source status: S_WI-P18-S024","2.2 The Milwaukee Police source gap","2.3 Complete replacement claim cells","Replacement for PASS-18 G1.11","Replacement for PASS-18 G3.25","2.4 Narrow changes to PASS-18 workflows 4 and 5","3.1 Replacement for S_WI-P18-S020","3.2 Complete replacement for S_WI-P18-C011 and G1.5’s case explanation","4.1 Add one distinct substantive claim","Exact link repairs","4.2 Preserve the actual S_WI-P18-C034","4.3 Correct G4.36’s guidance link","4.4 Correct S_WI-P18-S018’s caption","5.1 Newly registered PASS-20 resources","5.2 Existing PASS-18 source audit overlays","Example A — Brown County offered as fraud-tolling authority","Example B — Minerals offered as a universal jurisdiction holding","Deferred matters","Territorial/local limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-20","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyreviewedP18Brown/Mineralscitationstatusandmissingconsumeratomicclaim/traceability/caption","pending_corrections":0},{"key":"s_wi--pass-21","task":"S_WI","title":"Wisconsin ordinary-civil default-judgment relief under §806.07","parent_title":"Wisconsin debt and debt relief law","edition":"pass-21","path":"/research/s_wi--pass-21/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":48,"sources":24,"review_status":"whole_answer_selected_primary_math_coverage_reviewed;current_statutory_gaps_and_minor_Mikrut_date_annotation_pending","review_complete":true,"sha256":"00706f95ab344468631eb2c9b75668d10c9a0defd7f1ebec80cb8d30a22a8582","headings":["Wisconsin ordinary-civil default-judgment relief under §806.07","2.1 What kind of default is involved?","2.2 Who can seek relief?","3.1 Ground-by-ground matrix","3.2 Entry is not rendition, notice, or discovery","3.3 Reasonable time is an additional requirement","3.4 The court cannot simply enlarge the §806.07 period","4.1 Mistake and neglect: a defense is necessary, but it need not be proved victorious","4.2 Newly discovered evidence: exact linkage and the no-verdict gap","4.3 Fraud by an adverse party","4.4 Genuine voidness versus competency or technical error","4.5 Satisfaction, release, discharge, prior judgments, and prospective relief","4.6 Paragraph (h): overlap is possible, but relabeling is insufficient","4.7 Hearing is conditional—not automatic on a conclusory motion","5.1 Two powers are preserved","5.2 Independent equitable relief has demanding predicates","5.3 Contradictory evidence is not automatically fraud on the court","6.1 Required writing and papers","6.2 Exact “made” rule","6.3 Service and filing remain separate duties","6.4 Hearing notice and time computation","6.5 Electronic filing does not erase service conditions","7.1 No automatic stay","7.2 Relief is defined by the court’s order","7.3 Restoration after collection","7.4 Motion, appeal, new trial, satisfaction, and correction are distinct","Model A — One-year trigger is entry, not later notice","Model B — Weekend and clerk closure","Model C — Five-day hearing notice","Model D — Conditional restoration base","Local implementation—all 72 counties unexamined individually","Territorial/special categories","Deferred families"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-21","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["judgment"],"subject":["court-entry-service"]},"scope":"ReviewedP08D2ordinarylargeclaimcivildefaultjudgment80607reliefONLY;smallclaims/arbitration/appealsseparate.","pending_corrections":0},{"key":"s_wi--pass-22","task":"S_WI","title":"Narrow supplement: the 1979 Milwaukee Police confirmation-response holding","parent_title":"Wisconsin debt and debt relief law","edition":"pass-22","path":"/research/s_wi--pass-22/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":13,"claims":9,"sources":2,"review_status":"C027original1979primary_opinion_text_checked;official_facsimile_currentlaw_laterhistory_application_holds_retained","review_complete":true,"sha256":"3e1d168410d5d1435cda737098828694e7d6c340d5992bd42ab68702e9ba9799","headings":["Narrow supplement: the 1979 Milwaukee Police confirmation-response holding","2.1 Majority holding at pages 164–65","2.2 Actual procedural context","2.3 Statutory version and terminology","2.4 Majority, merits outcome, and dissent","2.5 What the decision does not resolve","4.1 PASS-18 G1.11 and PASS-20’s source-pending paragraph","4.2 Affected existing coverage cells","4.3 Existing workflows 4 and 5","Nonfresh source overlays","Example A — Statutory objection in a pending confirmation proceeding","Example B — Late standalone fraud challenge, no confirmation application","Deferred verification and application","Territorial/local boundaries"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-22","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"ReviewedP18/P20C027correct1979MilwaukeePoliceprimarybody/defensiveconfirmationexceptionONLY;C028fraudtollingseparatehold.","pending_corrections":0},{"key":"s_wi--pass-23","task":"S_WI","title":"Motion-made, hearing-notice computation, electronic-service qualifications, and Mikrut date correction","parent_title":"Wisconsin debt and debt relief law","edition":"pass-23","path":"/research/s_wi--pass-23/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":19,"claims":13,"sources":4,"review_status":"minor_date_annotation_addressed_current_primary_gap_retained","review_complete":true,"sha256":"22dbef9bac9241bbeb6ef4a0006ad86dde7ae7668d1e83cbf9d143b484cd7318","headings":["Motion-made, hearing-notice computation, electronic-service qualifications, and Mikrut date correction","1.1 The central current-primary gap is not closed","1.2 Limited primary electronic-filing support was obtained","2.1 S_WI-P21-C031 — written motion, supporting papers, and formal requirements","2.2 S_WI-P21-C032 — when the noticed motion is “made”","2.3 S_WI-P21-C035 — hearing notice and affidavits","2.4 S_WI-P21-C036 — computation versus enlargement","2.5 S_WI-P21-C037 — response additions are not universal extensions","2.6 S_WI-P21-C038 — electronic submission, acceptance, and recipients","5.1 Newly registered resources","5.2 Existing-source checks and overlays","Two symbolic computation models","Model A — qualifying noticed motion and hearing lead","Model B — response-after-service versus entry-based initiation","Deferred","Local and territorial"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-23","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"ReviewedP21currentprimary80201motion-made/80115notice-countingandnecessaryserviceconditionsONLY;minorMikrutsource-dateannotation.","pending_corrections":0},{"key":"s_wy--pass-01","task":"S_WY","title":"SWY Wyoming provider market access and consumer fees","parent_title":"Wyoming debt and debt relief law","edition":"pass-01","path":"/research/s_wy--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":30,"sources":20,"review_status":"scoped_review_complete_with_limits","review_complete":true,"sha256":"c15d3b9f0da51a3b9ec965006407782178e46a78810a06ff83d986569acde98c","headings":["Bottom-line determination","Executive classification matrix","1. Definition and classification of covered conduct","1.1 Operative definition","1.2 Principal reduction versus concession and distribution services","1.3 The fee-clause grammar is not perfectly resolved","1.4 Consumer versus business-purpose debt","1.5 Resident and remote-provider nexus","1.6 Self-creditor and institutional conduct","2. Prohibited, licensed, authorized, and conditionally excluded models","2.1 Nonexcluded debt-adjusting business: prohibited","2.2 Conditional nonprofit exclusion","2.3 Attorney and legal-practice exclusions","2.4 Banks, lenders, collection agencies, and other licenses","2.5 Financial technology sandbox","3. Applicable fee structures, limits, indexing, and refunds","3.1 Covered nonexcluded provider","3.2 Conditional nonprofit service","3.3 Attorney fees","4. When fees may be requested or received","4.1 Wyoming state timing","4.2 Federal TSR debt-relief timing—independent common context","4.3 Separate TSR credit-improvement timing","4.4 Conditional CROA overlap","5. Actual regulator permission, lookup, and application evidence","5.1 No Chapter 14 issuing regulator or application","5.2 Condition-specific verification tools","6. Worked fee and boundary examples","Example E1 — Noncustodial commercial settlement fee","Example E2 — Custodial DMP with setup and monthly fees","Example E3 — Lower-debt case","Example E4 — Conditional nonprofit fixed fees","Example E5 — Attorney advance and cancellation","Example E6 — Federal proportional method with prior earned fees","Example E7 — Dedicated-account cancellation without double deduction","Actually read","Searched but not established","Not read or not done"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WY/pass-01","facets":{"geography":["us","us-wy"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"First extensive Wyoming provider market access/consumer-fees component only; all broader state dimensions remain required.","pending_corrections":0},{"key":"s_wy--pass-02","task":"S_WY","title":"Wyoming agreements, disclosures, authority, and cancellation","parent_title":"Wyoming debt and debt relief law","edition":"pass-02","path":"/research/s_wy--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":74,"sources":22,"review_status":"revise_two_bounded_atomic_pinpoint_scope_corrections_UNSENT_with_retained_holds","review_complete":true,"sha256":"32d8d8b908dcabae11bcf4dd97901330bf0a03daf4b492cf1d60054503772011","headings":["Wyoming agreements, disclosures, authority, and cancellation","Principal conclusions","A1. Classify the actor and activity before selecting agreement language","Compact branch matrix","Chapter 14: prohibition first, then exclusion","A2. Lawyer agreement, communication, delivery, and termination requirements","Ordinary fee engagements","Separate Wyoming contingent-fee rules","Client control and termination","A3. When Wyoming consumer-credit agreement rules actually attach","Counseling is not automatically credit extension","Actual agreement consequences","Wyoming home-solicitation cancellation","A4. Conditional federal agreement and cancellation overlays","CROA: actual credit-improvement representations matter","TSR: disclosures before enrollment and specific settlement execution","Separate FTC Cooling-Off Rule","A5. Electronic assent, delivery, and retention","A6. Authority to negotiate, bind, receive, or release","A7. Cancellation is object-specific","C1. Actor and professional-agreement claims","C2. Credit-sale, solicitation, and credit-repair claims","C3. Electronic records, agency, and cases","C4. Federal authorization, cancellation separation, and additional agreement limits","E1. Wyoming contingent-fee packet—complete field and provision inventory","E2. CROA—complete statutory disclosure and cancellation fields","Separate precontract disclosure","Contract fields and near-signature notice","Duplicate cancellation form","E3. Wyoming home-solicitation form","E4. FTC Cooling-Off Rule form","Model 1 — A complete electronic contract cannot cure prohibited activity","Model 2 — Excluded nonprofit, electronic assent, but defective delivery","Model 3 — Lawyer contingent engagement: timely versus late rescission","Model 4 — CROA-covered service: business-day clock and delivery","Model 5 — Negotiation authority, binding authority, and TSR execution","Model 6 — Unearned legal advance: same balance, no double deduction","Model 7 — Provider’s own credit sale and overlapping solicitation rules","Smaller supported failure postures","G1. Assigned-question coverage","G2. Separate holds","G3. Contribution crosswalk","H1. Failed or incomplete source routes","H2. What was actually read","Component conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WY/pass-02","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP01agreementcontents/cancellationremainingrow; focusedagreement/disclosure/authority/cancellationonly, notfullstate/funds/remedies","pending_corrections":2},{"key":"s_wy--pass-03","task":"S_WY","title":"Wyoming funds, custody, accounts, remittance, and return","parent_title":"Wyoming debt and debt relief law","edition":"pass-03","path":"/research/s_wy--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":74,"sources":26,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"29ec73947e86012a7793b41e9cc63ed613b577c2240c02ec1a806370f940df1b","headings":["Wyoming funds, custody, accounts, remittance, and return","Principal findings","1. Actor, activity, purpose, nexus, and funds flow","Branch matrix","Consumer purpose and remote providers","2. Ownership, title, segregation, control, institution, and interest","2.1 No special Chapter 14 trust regime","2.2 Lawyer-held money","2.3 Consumer-owned dedicated settlement accounts","2.4 Money-transmitter assets are not automatically individual consumer deposit accounts","3. Deposit, remittance, clearing, posting, accounting, and access","3.1 No universal remittance deadline established","3.2 “Remitted” does not necessarily mean “credited to the creditor”","3.3 Consumer access and error handling","4. Return triggers: cancellation, failure, dispute, death, and erroneous payment","Failure and death require identifying the proper actor","5. Lawyer and nonprofit branches","5.1 Current professional-rule version","5.2 Disputed entitlement is not unilateral offset authority","5.3 Nonprofit tax qualification is not custody permission","6. Money transmission, delegates, payee agents, and processors","6.1 Separate state licensing gate","6.2 Wyoming’s fixed federal reference matters","6.3 Labels do not satisfy the exclusions","6.4 Regulations and instructions: important verification limit","7. Published cases and formal interpretations","8. Worked cash-flow analysis","C1. Classification and money-transmission rules","C2. Lawyer funds","C3. TSR, payment systems, agency, trusts, and remaining limits","Model 1 — Provider-held DMP ledger with separate consumer balances","Inputs and sequence","Conservation","Model 2 — Consumer-owned third-party account; insufficient performance","Model 3 — Lawyer advance: earned, disputed, and unearned portions","Inputs and sequence","Required allocation","Model 4 — TSR return with consistent enrollment balances and prior fees","Same enrolled debts and method throughout","Historical cash flow","Branch A — B satisfies all required earning conditions","Branch B — B payment happened, but required customer execution is missing","Smaller failure postures","F1. Every assigned question and material subquestion","F2. Broader categories expressly still open","H1. Material failed or limited routes","H2. Actual read versus not read","Final component determination"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WY/pass-03","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"ReviewedP01exacttrustaccounts/bonds/financialassuranceremainder narrowedfunds/custody/remittance/return;bondseparatelater/P02agreementunreviewednotpremise","pending_corrections":0},{"key":"s_wy--pass-04","task":"S_WY","title":"Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority","parent_title":"Wyoming debt and debt relief law","edition":"pass-04","path":"/research/s_wy--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":71,"sources":27,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"e8329cf1f4394da6117fded73e21ff0728793b31cd0abe57e63cdb9cfafcc1ad","headings":["Provider financial assurance, bonds, fiduciary safeguards, and failure-claim priority","1. Which branches actually carry financial-assurance requirements?","1.1 Classification remains the first gate","Branch matrix","1.2 Professional form is not financial assurance","2. Authenticated security instruments: amount, parties, maintenance, and cancellation","2.1 Collection-agency bond or cash substitute","2.2 Money-transmitter security, net worth, and investments","2.3 Sandbox bond","2.4 Federal bankruptcy-counseling agency security","2.5 Trustee bond","3. Who may claim, what loss is covered, and which clocks apply?","Security-specific claim comparison","4. Property, shortfalls, insolvency, and priority","4.1 Separate the assets before discussing priority","4.2 Federal bankruptcy prevents an automatic “trust means first paid” conclusion","4.3 Nonprofit dissolution is not automatic distribution to clients","4.4 A limited consumer-deposit priority may exist—but not for every program balance","5. Attorney safeguards, insurance, and the Client Protection Fund","5.1 Professional safeguards are not insurance","5.2 Fund eligibility and exclusions","5.3 The $15,000 number is not an absolute cap","5.4 Later recoveries and Fund reimbursement","5.5 Insurance-failure and deposit-insurance limits","6. Public forms, electronic procedures, and authenticated limits","6.1 Procedure established without an account","6.2 Complete public blank form actually examined","C1. State security instruments","C2. Federal nonprofit and professional security","C3. Fund, insolvency, insurance and procedure","Model 1 — Collector bond versus prohibited debtor-side adjuster","Branch A: creditor-side collector","Branch B: debtor-side adjustment company","Model 2 — Two eligible collector claimants after prior bond payments","Model 3 — Lawyer-owned assets versus client shortfall and Fund eligibility","Eligibility branch","Failure branches","Model 4 — Nonprofit insolvency with mixed and missing property","Proven-property branch","Unproved-property branch","Separate service-deposit subexample","Model 5 — Transmitter security, capital and investments are separate","Model 6 — Federal nonprofit security and a conditional state credit","Additional failure postures","Separate preserved holds","H1. Material failed or limited routes","H2. Actual read and currentness limits","Final determination"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WY/pass-04","facets":{"geography":["us","us-wy"],"debt_type":[],"stage":[],"subject":["budget-priorities","provider-security"]},"scope":"Reviewed remaining security/bond/financial-assurance/failure-priority component; not P01access/fees, P02agreements or P03custody/remittance rerun","pending_corrections":0},{"key":"s_dc--pass-01","task":"S_DC","title":"SDC — District of Columbia","parent_title":"District of Columbia debt and debt relief law","edition":"pass-01","path":"/research/s_dc--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":7,"claims":15,"sources":10,"review_status":"revise","review_complete":true,"sha256":"845d3e2eb8a418fff4574a899998a863d75605882d610ee652da3424b58f3efc","headings":["PASS-01: Debt-relief provider market access and consumer fees","Initial controlling findings","A. Substantive findings by scope question","1. Definitions and business-model classification","2. Prohibition, licensing, registration, and exemptions","3. Consumer fees, ceilings, indexing, and refunds","4. Fee timing and performance conditions","5. Regulator permission, applications, and provider lookup","6. Worked fee and boundary examples","Supplemental verified federal finding","B. Source register","C. Claim register","D. Component coverage and gap register","Priority for the next D.C. investigation","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DC/pass-01","facets":{"geography":["us","us-dc"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Fresh District of Columbiaprovider-access/fees component only; allbroader statecategories required","pending_corrections":0},{"key":"s_dc--pass-02","task":"S_DC","title":"SDC — District of Columbia","parent_title":"District of Columbia debt and debt relief law","edition":"pass-02","path":"/research/s_dc--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":33,"sources":23,"review_status":"scoped_review_complete_requires_bounded_correction","review_complete":true,"sha256":"7007976291cbb549b2a9584a353f35a0e1939cf111679d37afeb18bc14d21969","headings":["PASS-02: Focused provider-market-access follow-up","1.1 The affirmative provider framework exists","1.2 Commercial debt settlement is strongly, but not finally judicially, within that framework","1.3 DISB is the current administering regulator","1.4 The legal duty is verified; the current filing mechanics are not","1.5 Consumer fee amount limits remain on hold","4.1 Issuing and administering authority","4.2 Application route","4.3 Public lookup","4.4 DCMR implementation layer","5.1 Money transmission","5.2 Basic Business License","5.3 Foreign-entity registration","S_DC-P2-S001 — D.C. Code, Title 28, Chapter 46, Consumer Credit Service Organizations","S_DC-P2-S002 — D.C. Law 8-236","S_DC-P2-S003 — D.C. Code publication information","S_DC-P2-S004 — D.C. Code § 26-551.03","S_DC-P2-S005 — D.C. Code §§ 31-101 and 31-103","S_DC-P2-S006 — DISB Banking Bureau","S_DC-P2-S007 — DISB Divisions","S_DC-P2-S008 — DISB Compliance Requirements: Banking","S_DC-P2-S009 — DISB non-depository public verification page","S_DC-P2-S010 — DISB Licensing and Registration Requirements","S_DC-P2-S011 — D.C. Municipal Regulations, Title 16","S_DC-P2-S012 — OAG Student Aid Center release","S_DC-P2-S013 — District v. Student Aid Center complaint","S_DC-P2-S014 — OAG Burlington release","S_DC-P2-S015 — Burlington consent judgment","S_DC-P2-S016 — YF Solution Assurance of Voluntary Compliance","S_DC-P2-S017 — Chen v. Bell-Smith","S_DC-P2-S018 — D.C. Money Transmitters Act provisions","S_DC-P2-S019 — Basic Business License provisions","S_DC-P2-S020 — DLCP Business Licensing Division","S_DC-P2-S021 — Foreign-entity provisions","S_DC-P2-S022 — Historical DISB initial non-depository instructions","S_DC-P2-S023 — DISB FY 2017–2018 Biennial Report","P1 authority aliases, not new P2 sources","Actually freshly read or visually inspected","Reused rather than re-researched","Not established or not completely read","Final provider-market-access result"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DC/pass-02","facets":{"geography":["us","us-dc"],"debt_type":[],"stage":[],"subject":["provider-licensing"]},"scope":"Reviewed remaining affirmativeproviderframework/operativeDCMR/authorizationcategory/instructions and minimalP1federal-accesssupersession;feecomputationheldpendingpath","pending_corrections":0},{"key":"s_dc--pass-03","task":"S_DC","title":"P02 audit-trail repairs and remaining public CCSO procedure/rule gaps","parent_title":"District of Columbia debt and debt relief law","edition":"pass-03","path":"/research/s_dc--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":7,"claims":19,"sources":34,"review_status":"accepted_with_limits","review_complete":true,"sha256":"fd779fce921147b88c6a357bfe74e3aa35607a626bc77126ef80f1a957921de4","headings":["P02 audit-trail repairs and remaining public CCSO procedure/rule gaps","1.1 Before-and-after correction map","1.2 Minimal P02 coverage patch","A. Current CCSO statement, checklist, renewal form, and submission instructions","A1. The prescribed-form requirement remains distinct from the missing form","A2. The generic MU1 PDF is not an authenticated D.C. CCSO application","A3. A generic lockbox bulletin does not complete the CCSO filing route","A4. Renewal remains a separate missing procedural document","B. Generic CCSO public lookup, help, and blank method","C. Operative CCSO implementation rules and final adoption","C1. The rulemaking statute identifies required subjects, not an authenticated adopted rule","C2. A historical final-rule document was found, but it does not close the CCSO gap","C3. The adjacent trust-law note is not a CCSO repeal","Branch 1 — Generic form found, prescribed-form match missing","Branch 2 — Generic lookup help and an old rule excerpt found, but neither matches CCSO","Final patch"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DC/pass-03","facets":{"geography":["us","us-dc"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P02accessdate/source-tableerrata and reviewedremaininggenericCCSOprocedure/operative-rulegaps","pending_corrections":0},{"key":"s_dc--pass-04","task":"S_DC","title":"Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure","parent_title":"District of Columbia debt and debt relief law","edition":"pass-04","path":"/research/s_dc--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":58,"sources":18,"review_status":"scoped_coordinator_contract_electronic_authority_review_complete_F02_pinpoint_correction_UNSENT_FCRA_reverification_and_all_source_application_holds","review_complete":true,"sha256":"6f376033cbf310f53e869c6cc17b5541ed87a9e7834ac22125c180cf1e6590b4","headings":["Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure","2.1 The governing sequence","Mandatory Chapter 46 document checks","2.2 Three unresolved drafting issues must remain visible","3.1 Separate authority matrix","3.2 When a document is a power of attorney","3.3 The TSR’s specific-agreement requirement is narrower than general agency authority","3.4 Debit and records authorizations","4.1 Electronic equivalence does not establish agreement","4.2 Delivery must remain retainable and satisfy applicable method requirements","4.3 Receipt is a factual and legal event—not automatically a send timestamp","4.4 Conditional E-SIGN consumer-consent requirements","Conditional electronic-document audit additions","5.1 The clocks cannot be merged","5.2 CROA has additional document requirements","5.3 TSR coverage and disclosures remain transaction-specific","Separate the money categories","7.1 State nonwaiver is not an automatic whole-contract-void rule","7.2 Current CPPA provisions relevant to contract wording","7.3 Published opinions: holdings, posture, and limits","Model M01 — Covered noncustodial negotiation agreement with overbroad settlement authority","Model M02 — Conditionally eligible custodial DMP cancellation","Model M03 — Conditional credit repair with conflicting clock assumptions","Model M04 — Remote electronic delivery with uncertain purpose and exclusion facts","12.1 Access and read log","12.2 Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_DC/pass-04","facets":{"geography":["us","us-dc"],"debt_type":[],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"Reviewed remaining provider agreements/disclosures/authority/electronic delivery/cancellation/contract-failure component only; A/B/Cprocedure gaps held","pending_corrections":1},{"key":"j_pr--pass-01","task":"J_PR","title":"JPR Puerto Rico provider market access and consumer fees","parent_title":"Puerto Rico debt and relief law","edition":"pass-01","path":"/research/j_pr--pass-01/","kind":"split_pass","category":"territory","role":"territory","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":18,"claims":77,"sources":39,"review_status":"scoped_coordinator_review_complete_retained_material_authorization_fee_source_currentness_application_holds","review_complete":true,"sha256":"70f0c6a1ce6f3cd2e6f06f65e1f22b8d7ecc6082eb63e6f0197b93e61aa30fe4","headings":["How to read the registers","Issuing authority and exceptions","Territorial and entity gateways","Fee earning, allocation, accounts, and credit repair","Model 1 — For-profit, noncustodial principal negotiation","Model 2 — Custodial DMP with all creditors bound at inception","Model 3 — Partial settlements, previous fee, same portfolio and contract","Model 4 — Cancellation, pending consumer funds, and previous fees","Model 5 — Separate savings-based contract, not a method switch","Additional short failure branches","Puerto Rico statutes, rules, and generic process materials","Federal authorities and remaining provenance sources","Parent dimensions preserved for later work"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"J_PR/pass-01","facets":{"geography":["us-territories","j_pr"],"debt_type":["business","unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"FIRSTPuertoRicoprovider-market-access/consumer-feecomponentonly;Spanishauthority/federalterritorialgateway/publicgenericprocedure","pending_corrections":0},{"key":"j_vi--pass-01","task":"J_VI","title":"United States Virgin Islands: Debt-relief provider regulation and applicability","parent_title":"US Virgin Islands debt and relief law","edition":"pass-01","path":"/research/j_vi--pass-01/","kind":"split_pass","category":"territory","role":"territory","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":23,"claims":48,"sources":87,"review_status":"scoped_coordinator_review_complete_material_corrections_UNSENT_source_currentness_application_holds","review_complete":true,"sha256":"f8ecb72528900e2429f2e4ffbea069bd016c73792a09c7d0b47e4bee67264b00","headings":["United States Virgin Islands: Debt-relief provider regulation and applicability","Principal finding","1. Jurisdiction and source-authority map","2. Provider-classification decisions","3. Registration, security and exemptions","The crucial fee-currentness hold","4. Permitted fees: territorial text versus federal timing","5. Agreement, cancellation, creditor consent and customer money","Required pre-agreement work and disclosures","Customer funds: distinguish two arrangements","6. Consequences, remedies and read-only consumer process","Individual provider-evaluation checklist — documents only","Three bounded hypotheticals","A. Visible source register","A1. Territorial authority and full Chapter 7 text","A2. Adjacent territorial law, federal statutes, regulations and institutional sources","B. Visible claim register — A066 / J_VI-P01","B1. Authority, classification, registration","B2. Service conduct, agreements, fees and customer funds","B3. Enforcement, crossover and limitations","C. Granular coverage and disposition table","C1. Territorial authority and applicability","C2. Provider classification","C3. Registration, financial assurance and exemptions","C4. Services and fees","C5. Contract, cancellation and funds","C6. Consequences, remedies and process","C7. Explicitly deferred parent dimensions","D. Researcher self-check and publication holds","Evidence checks performed","Exact unresolved questions, ranked by publication importance","Publication restrictions for SettleADebt"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"J_VI/pass-01","facets":{"geography":["us-territories","j_vi"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"United States Virgin Islands independent focused provider-regulatory and applicability gateway; other six parent dimensions deferred","pending_corrections":3},{"key":"j_gu--pass-01","task":"J_GU","title":"Debt-relief provider regulation and applicability gateways","parent_title":"Guam debt and relief law","edition":"pass-01","path":"/research/j_gu--pass-01/","kind":"split_pass","category":"territory","role":"territory","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":25,"claims":48,"sources":45,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"a6cc7eec9ec44c4004f570a310145da38cbbfb6670d71ba93d4bc17532588eb8","headings":["Debt-relief provider regulation and applicability gateways","1. Guam jurisdiction and source-authority map","Currentness finding","2. The central Guam provider statute","Classification and exemption decision table","3. Authorization, registration, security, and oversight","Chapter 7 authorized-agency path","Three other registration layers","4. Provider charges and federal overlays","Guam fee law","Federal TSR: separate and sometimes much more restrictive","Credit repair: overlapping but different product","Operational federal/territorial applicability matrix","5. Contracts, cancellation, disbursements, and creditor independence","6. Territorial and federal consequences","7. Worked applicability examples","Example A — An out-of-state settlement company claims that its other-state license and attorney supervision are enough","Example B — The FTC debt-relief fee calculation","Example C — Canceling a service with money in a dedicated account","Additional federal recordkeeping finding","Separate bankruptcy approval list—important distinction","8. Read-only evaluation checklist","9. Complete source register","Territorial statutes, rules, and official source gateways","Federal text and applicability gateways","Courts, complaints, and assistance sources","10. Claim register — A066 / Guam provider-regulatory pass","Territorial authority, classification, and authorizations","Federal overlays and fees","Territorial/federal remedies, evidence limits, and examples","11. Granular coverage and gap register","Item 1 — Territorial authority, hierarchy, and applicability","Item 2 — Provider classification","Item 3 — License, registration, exemptions, and supervision","Item 4 — Permitted services, fee amount and timing","Item 5 — Agreement, cancellation, creditor participation, and customer funds","Item 6 — Consequences, remedies, process and resources","Six deferred parent dimensions","12. Bounded official search and decision results","Operational hold/allow matrix","13. Precise unresolved questions and publication holds","Publication decision by assertion type","14. Scoped researcher self-check","Final scoped assessment"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"J_GU/pass-01","facets":{"geography":["us-territories","j_gu"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Guam independent focused provider-regulatory and applicability gateway; other six parent dimensions deferred","pending_corrections":1},{"key":"c_ca--pass-01","task":"C_CA","title":"Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards","parent_title":"Canada consumer debt and resolution","edition":"pass-01","path":"/research/c_ca--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":23,"claims":80,"sources":40,"review_status":"scoped_coordinator_review_complete_evidence_confidence_corrections_UNSENT_current_operative_source_holds","review_complete":true,"sha256":"9ff2703a3034a1ee1ad31913fa096b3cc9502c54bef16eeae13814ef20f09910","headings":["Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards","Executive determination","Important source-access qualification","A. Controlling law and jurisdiction","B. Who is regulated, and what authorization is required?","Registration and operating conditions","Exceptions require their predicates","C. Consumer fees, performance and funds","Two prescribed contract methods","When may the agency earn or take its fee?","Money held for creditors is not the agency's earned fee","D. Agreements, cancellation and remedies","E. Federal boundary: private negotiation is not insolvency","F. Worked decisions — invented Ontario examples","Example 1 — three debts, one-time-settlement method","Example 2 — two debts, payment-schedule method","Example 3 — claimed charitable exemption with a missing predicate","Example 4 — out-of-province remote provider","Example 5 — delivered copy, defective copy or uncertain notice","Example 6 — professional title without professional-work facts","Register 1 — primary sources and access provenance","Register 2 — atomic claim-to-authority ledger","A. Framework, jurisdiction and classification","B. Actors, registration, exemptions and oversight","C. Agreements, fees, payments and accounting","D. Cancellation, refund, remedies and enforcement","E–F. Federal boundary and worked computations","Register 3 — granular A097/A098 Ontario component coverage","A. Controlling framework and territorial application","B. Actor classification and authorization","C. Fees, performance and money","D. Contracts, cancellation and enforcement","E. Narrow federal route","F. Scenarios and quantitative validation","Consumer document checklist and likely adverse branches","Explicit country/province research boundary register","Explicitly deferred A097/A098 country questions","Researcher self-check and publication controls","Material new questions generated","Evidence-grounded SettleADebt opportunities","Final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_CA/pass-01","facets":{"geography":["international","c_ca"],"debt_type":[],"stage":["settlement"],"subject":["agreements-disclosures","settlement-negotiation","fees-outcomes","provider-licensing","accessibility"]},"scope":"Ontario-only consumer debt-settlement provider classification/authorization/fees/contracts/funds; Canadianfederalinsolvencygatewaynarrow, allotherprovinces/countrydimensionsdeferred","pending_corrections":2},{"key":"c_ew--pass-01","task":"C_EW","title":"England and Wales: debt-adjusting and debt-counselling providers","parent_title":"England and Wales consumer debt and resolution","edition":"pass-01","path":"/research/c_ew--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":23,"claims":61,"sources":66,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"5808cd0e79b24af9771ebf341eed8940c448e4f4d8d7a869dfe19c35a1ea942f","headings":["England and Wales: debt-adjusting and debt-counselling providers","1. Substantive findings","A. What activity requires permission?","B. Which providers and exemptions are actually relevant?","C. What must happen before and during a consumer engagement?","D. Money held for creditors, firm failure and remedies","E. Private arrangements versus statutory debt mechanisms","F. Practical consumer verification path","2. Worked decision scenarios","Scenario 1 — Paid negotiator versus claimed charity exemption","Scenario 2 — Voluntary debt-management plan versus a statutory procedure","Scenario 3 — Welsh customer, overseas provider, overseas creditor","Scenario 4 — Distance settlement service: partial work, cancellation and segregated funds","Scenario 5 — Inappropriate advice and an attempted “government write-off” promise","Scenario 6 — Client-money shortfall and redress are different questions","3. Complete visible source register","Perimeter, actors and verification","Consumer engagement, charging and prudential rules","Client money, complaints, compensation and published decisions","Private arrangements and distinct statutory mechanisms","4. Atomic claim register","C001–C030: perimeter, actors, engagement","C031–C061: charging, client funds, redress and mechanism boundary","5. Granular coverage register","A. Regulatory perimeter","B. Actors, exclusions and safeguards","C. Engagement, fees and arrangements","D. Client money, complaints and redress","E. Mechanism and geographic boundary","F. Explicitly deferred parent topics and next-pass questions","6. Research audit, unresolved questions and publication holds","6.1 Retrieval and evidence log","6.2 Important source-version checkpoints","6.3 Researcher self-check","6.4 Material questions for the next focused provider pass","6.5 Evidence-grounded content and tool opportunities","6.6 Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_EW/pass-01","facets":{"geography":["international","c_ew"],"debt_type":[],"stage":[],"subject":["counseling-dmp"]},"scope":"England and Wales: paid debt-adjusting/debt-counselling provider authorization, conduct, fees, funds and consumer pathways","pending_corrections":3},{"key":"c_sc--pass-01","task":"C_SC","title":"Independent paid-provider classification and authorisation gateway","parent_title":"Scotland consumer debt and resolution","edition":"pass-01","path":"/research/c_sc--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":26,"claims":53,"sources":52,"review_status":"scoped_coordinator_review_complete_gateway_coverage_correction_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"f8df002ed7fb743d78036363fa00faefd08c07cb7ea6822f738143ab7f448428","headings":["Independent paid-provider classification and authorisation gateway","1. Principal findings","2. A — Operative FSMA/RAO perimeter","A1. Activity classification","A2. Debtor, debt and purpose branches","3. B — Actor, role and exception matrix","4. C and F — Distinct authorisation, Scottish adviser and practitioner gateways","Classification decision","C1. FCA and professional gateways","F1. Scotland's Debt Arrangement Scheme","F2. Sequestration and protected trust deeds: practitioner status only","5. D — Territorial and jurisdiction boundary","6. E — Read-only official verification workflow","What a consumer would check","7. G — Six bounded hypothetical classification workflows","Scenario G1 — Paid card-debt negotiator in Glasgow","Scenario G2 — Free charity adviser offering DAS","Scenario G3 — Licensed insolvency practitioner offering a PTD and a separate commercial settlement service","Scenario G4 — Online referral tool and appointed-representative claim","Scenario G5 — Debt purchaser versus independent collector","Scenario G6 — DAS payments provider serving a legal-person debtor","Two quantified FCA prudential-resource examples","8. Complete visible source register","S001–S016 — FSMA, Regulated Activities Order and operative amendments","S017–S027 — FCA primary regulatory guidance, rules and public checks","S028–S040 — Scottish Debt Arrangement Scheme and bankruptcy legislation","S041–S048 — Practitioner, registers, payments and narrowly located exemptions","S049–S052 — Material failed current-text retrievals","9. Atomic claim register","C001–C028 — UK activity, debt, actor and exemption tests","C029–C053 — Scotland roles, FCA safeguards, territorial and verification findings","10. Coverage inventory — all A–G material subissues","A — Operative perimeter and currency","B — Actor and exemption classification","C — Authorisation, registration and gateway safeguards","D — Territorial and professional nexus","E — Read-only registers and evidence","F — Separate Scottish statutory practitioner boundaries","G — Scenarios, costs and consequences","11. H — Complete visible deferred-work inventory","H01–H10 — Consumer economics, contracts and conduct","H11–H20 — Funds, redress, private arrangements and debt records","H21–H30 — Courts, enforcement, protected assets and priority debts","H31–H38 — Full Scottish processes and international/other scope","12. Reader-useful questions supported by P01","13. Unresolved evidence, currency and publication holds","14. Final self-check and disposition","Arithmetic and completeness reconciliation","Disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_SC/pass-01","facets":{"geography":["international","c_sc"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Firstindependentproviderperimeter/authorisationonly; allremainingcountrytopicsdeferred","pending_corrections":1},{"key":"c_ni--pass-01","task":"C_NI","title":"CNI Northern Ireland","parent_title":"Northern Ireland consumer debt and resolution","edition":"pass-01","path":"/research/c_ni--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":26,"claims":50,"sources":36,"review_status":"scoped_coordinator_review_material_qualifications_UNSENT","review_complete":true,"sha256":"50c94fe774a99e3508182be0f74637fe2668d07b5fbc0e73f8ffb88d94a8b046","headings":["Independent provider-classification and authorisation gateway","A. Operative paid-service perimeter","B. Actor-role and exclusion matrix","C. Permission, registration and gateway safeguards","D. Territorial and activity-location boundary","E. Read-only official verification workflow","F. Northern Ireland's separate statutory-practitioner boundary","G. Eight bounded actor/activity scenarios","Publication and reuse rules arising from this pass","Complete visible primary-source register","UK-wide FSMA, regulated activities and FCA perimeter","Northern Ireland statutory solution, officeholder and verification sources","Atomic claim register","FCA perimeter and debtor/debt classification","Actors, payment, territorial and verification claims","NI practitioner and statutory-mechanism claims","Complete visible coverage inventory","A — Operative perimeter, debt/person scope and currency","B — Actors, exemptions, restricted professional capacity","C — Licence, application, competence and gateway financial safeguards","D — UK/NI and international nexus","E — Read-only official checking","F — Local statutory solution and professional boundary","G — Hypothetical tests and quantitative safeguards","H — Full independently enumerated deferred-work inventory","Currentness, uncertainty and integrity holds","Final self-check and acceptance disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_NI/pass-01","facets":{"geography":["international","c_ni"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Firstindependentproviderperimeter/authorisationonly; allremainingcountrytopicsdeferred","pending_corrections":4},{"key":"c_ie--pass-01","task":"C_IE","title":"Independent provider perimeter and authorisation research","parent_title":"Ireland consumer debt and resolution","edition":"pass-01","path":"/research/c_ie--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":15,"claims":50,"sources":43,"review_status":"scoped_review_completed_narrative_source_crosslink_correction_required","review_complete":true,"sha256":"9093fd456e6e3310fef5517dccbc442bba57877d6782ef7bdc6e3d3087dda922","headings":["Independent provider perimeter and authorisation research","Principal determination","Particularly important 2026 currentness correction","A. Operative perimeter, definitions and commencement","A1. The statutory test","A2. Commencement and transition","B. Actor-by-actor exceptions and adjacent businesses","B1. Complete section 28(1) excepted-person categories","B2. Adjacent activities that must not be conflated","C. Authorisation and safeguards","C1. Permission decision","C2. Ongoing qualification and protective requirements","C3. Unauthorised activity and adverse outcomes","C4. Two quantitative agency-levy examples","€1,292.50","€1,817.50","D. Public verification and documentary workflow","E. Statutory insolvency and geographic boundary","Worked bounded decisions","Scenario 1 — “Free” introductory advice followed by a paid service; claimed charity exception","Scenario 2 — Collection agency versus debtor-appointed negotiator","Scenario 3 — Foreign remote adviser targeting an Irish resident","Scenario 4 — Sole trader, company debt and personal guarantee","Scenario 5 — A private “insolvency specialist” versus an authorised statutory practitioner","Scenario 6 — Payment routing with no advice, then service expansion","A. Operative perimeter and currency","B. Actors and exemptions","C. Authorisation and safeguards","D. Public checks and documentation","E. Insolvency, EU and geography","F. Explicit later passes — not silently answered here","Researcher self-check and evidentiary holds","Material new questions for the next owner","Evidence-grounded opportunities for SettleADebt","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_IE/pass-01","facets":{"geography":["international","c_ie"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Ireland ONLY covered paid debt-management activities/actors/debts, exclusions, Irish/remote nexus and authorization safeguards; consumer fees/contracts/client-money/redress/fullcountrytopics explicitly deferred","pending_corrections":0},{"key":"c_ie--pass-02","task":"C_IE","title":"CIE Ireland traceability corrections","parent_title":"Ireland consumer debt and resolution","edition":"pass-02","path":"/research/c_ie--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":6,"claims":15,"sources":15,"review_status":"six_targeted_crosslink_repairs_addressed_with_limits","review_complete":true,"sha256":"722569d98a3cb6be5099833ca7f0934a2def7b2f803d22d31aa1cbb39a54d881","headings":["1. Complete replacement text — all six groups","Group 1 — C4 industry-funding formula paragraph","Group 2 — C4 evidence-limit paragraph","Group 3 — E statutory insolvency-option names","Group 4 — E statutory practitioner capacities","Group 5 — E credit-servicing framework","Group 6 — B2 adjacent-activity matrix closing cross-reference","2. Correction crosswalk","3. Arithmetic reconfirmation — no change to P01 examples","7. Researcher self-check","Disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_IE/pass-02","facets":{"geography":["international","c_ie"],"debt_type":[],"stage":[],"subject":[]},"scope":"Six narrative source crosslink repairs only; no whole report rerun","pending_corrections":0},{"key":"c_fr--pass-01","task":"C_FR","title":"Independent provider-perimeter and authorization investigation","parent_title":"France consumer debt and resolution","edition":"pass-01","path":"/research/c_fr--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":14,"claims":41,"sources":31,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"4cca8b8910ef5d3d86358cecda8657341019288dfee8594f61e7e0c64ff06ff1","headings":["Independent provider-perimeter and authorization investigation","Principal determination","A. Debtor-paid services: operative legal perimeter","A1. The particular Code de la consommation prohibition","A2. Banking and credit intermediation","A3. Legal advice is a separate question","B. Actor, beneficiary and remuneration matrix","C. Authorization gateways and costs","C1. IOBSP and ORIAS","C2. Other gateways","C3. Foreign, telephone and online models","C4. Two bounded quantitative financial-safeguard calculations","C5. The imminent November 2026 legal change","D. Read-only public verification workflow","E. Statutory debt-mechanism boundary","F. Worked classification and authorization scenarios","Scenario W01 — Debtor-paid negotiation of existing consumer debt","Scenario W02 — A mortgage/credit intermediary claims its registration permits paid debt settlement","Scenario W03 — A nonprofit claims an unrestricted legal-advice exemption","Scenario W04 — The same phone call, three different creditor-side actors","Scenario W05 — Foreign company selling debt negotiation by telephone into France","Scenario W06 — Consumer loan, business debt and guarantee","Scenario W07 — Private consultant versus court-appointed business professional","1. Complete source register","Retrieval and provenance notes","2. Atomic claim register — A097/A098 reference claims","3. Granular coverage and deferral register","A. Activity, debtor, debt and time perimeter","B. Actor, exclusion and remuneration gateway","C. Authorization, registration, safeguards and nexus","D. Registry and bounded decision evidence","E. Statutory mechanisms and professional boundaries","F. Individually deferred parent-country topics","Territorial/local register","4. Researcher self-check and material outstanding questions","Checks performed","Highest-value next focused legal questions","Evidence-grounded content and tools for SettleADebt","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_FR/pass-01","facets":{"geography":["international","c_fr"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"IndependentFrancepaidproviderclassification/authorisationonly;fullcountry/consumerconductdeferred","pending_corrections":2},{"key":"c_nl--pass-01","task":"C_NL","title":"CNL Netherlands","parent_title":"Netherlands consumer debt and resolution","edition":"pass-01","path":"/research/c_nl--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":13,"claims":48,"sources":43,"review_status":"scoped_review_with_remaining_primary_currentness_territorial_application_holds","review_complete":true,"sha256":"ac2377ef9d10b4f5b0504b43b8515d990c3d5a75db2cd02e04f3109264c55618","headings":["Independent provider-perimeter and authorisation gateway","Principal findings","A. The operative debtor-side test","An important consequence boundary","B. Actor, exemption and capacity matrix","C. Authorities, evidence and cross-border nexus","D. Read-only hypothetical verification sequence","E. Four worked classification problems and an additional funds-flow problem","Two reproducible statutory agency-cost examples — not borrower fees","Source register","S001–S012: Core Wck law, amendment history and proposed changes","S013–S024: Municipal aid, insolvency gateway and professional appointments","S025–S032: Collection and credit-servicing regimes","S033–S043: Adjacent Wft permissions, public lookups and geography","Atomic claim register — C_NL-P01-C001 onward","F. Granular coverage register","F1. Core A–E question coverage","F2. Explicitly deferred parent domains","F3. All twelve European-Netherlands provinces — local implementation register","F4. Caribbean Netherlands, autonomous Kingdom countries and external territories","Researcher self-check and unresolved legal priorities","Tested against source text","Material unanswered questions, in priority order","Retrieval log and honest limits","Evidence-grounded publishing opportunities — with restrictions","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_NL/pass-01","facets":{"geography":["international","c_nl"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Independent Dutch provider perimeter and authorisation gateway only; country and territories held","pending_corrections":0},{"key":"c_nl--pass-02","task":"C_NL","title":"CNL Netherlands Wck text reconciliation","parent_title":"Netherlands consumer debt and resolution","edition":"pass-02","path":"/research/c_nl--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":16,"sources":24,"review_status":"targeted_enactment_supplements_corrected_currentness_application_held","review_complete":true,"sha256":"2a2c69ea367e31508f72ff8a5215b875b43db237b7c57b807789c9364a03add0","headings":["1. Findings — G1 and G2","G1.1 — Operative definition of krediettransactie: bounded reconstruction","G1.2 — Article 47: prohibition and schuldbemiddeling","G1.3 — Article 48(1): exceptions, with corrected professional and municipal wording","G1.4 — Article 48(2)–(3): certificate power versus actual requirement","G1.5 — 2017 retained definitions and repealed chapters","Currentness limitation","2. G2 — Original-to-later-text and commencement crosswalk","3. G3 — Article 48(1)(d) designation boundary","3.1 The only enacted designation examined in this pass was temporary","3.2 The later Vrijstellingsbesluit materials examined were drafts","3.3 Actual 2026 proposals are not operative replacements","3.4 Bounded conclusion on present designation","4. PASS-02 source register","4.1 Enacted Wck and linked instruments","4.2 Designation, proposals, corroboration and failed access","5. Atomic claim register","6. G4 — Exact targeted disposition of supplied P01 claims","Old-to-new source identity preservation","7. Granular G1–G4 coverage register","G1 — Current-definition and exception reconstruction","G2 — Amendment and commencement","G3 — Current designation gateway","G4 — Bounded disposition and excluded application questions","Separately targeted original coverage rows","8. Read-only research log and limitations","9. Researcher self-check and publication holds","PASS-02 visible register counts","Material questions still open","Evidence-grounded publication opportunities","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_NL/pass-02","facets":{"geography":["international","c_nl"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Reviewed P01 remaining current Wck1/47/48 text-amendment-designation question only","pending_corrections":0},{"key":"c_za--pass-01","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-01","path":"/research/c_za--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":21,"claims":57,"sources":37,"review_status":"scoped_review_with_remaining_primary_currentness_contract_payment_professional_territorial_holds","review_complete":true,"sha256":"c164b58644ff73b173835b76d84fec475ab9bfe0021d454bca802f99231431c1","headings":["Independent provider-perimeter and authorisation gateway","1. Principal findings","1.1 South Africa has distinct legal categories that must not be combined","1.2 Debt-review coverage cannot be presumed for every debt","1.3 Publication holds already established","A–E. Detailed findings and decision rules","1. Identify the service before identifying the licence","2. Debt and debtor classification comes first","3. The statutory route is different from a private workout","4. Actor and claimed-exception matrix","5. Which authority controls which capacity?","6. Special financial and competence conditions actually read","7. Currentness and enactment checkpoints","8. Two recomputed statutory-category cost examples","E. Worked classification and capacity scenarios","Scenario 1 — A debtor-paid firm offers “debt review”","Scenario 2 — “We are a charity, and our employee is qualified”","Scenario 3 — Debtor advocate, creditor collector, and debt purchaser","Scenario 4 — A foreign call-centre advises South African debtors remotely","Scenario 5 — A natural person signs for a business loan or guarantees company debt","Scenario 6 — Private advice versus an appointed statutory office","Two quantitative permission-cost/safeguard checks — with limits","D. Public, read-only verification sequence","Source register — C_ZA-P01-S001 onward","National Credit Act and NCR materials","Debt collection, legal practice and related professional authority","Payment systems, court appointments, corporate rescue and currentness materials","Discovery, obsolete comparisons and regulator-specific records","Atomic claim register — A097/A098 handoff identifiers","Core activity, agreement and authorisation claims","Temporal, exceptional, institutional and verification claims","F. Granular coverage and gap register","A. Activity and agreement perimeter","B. Actor, exemption, remuneration and capacity matrix","C. Authorising/supervising body, financial capacity, nexus and cost","D. Read-only verification, documents and consequences","E. Statutory-solution boundary and worked examples","F. Explicitly deferred subjects — no substantive acceptance","Geographic register — all nine provinces","Research process and self-check","Official-source search and read bounds","Arithmetic self-check","Material questions generated for the next specialist passes","Evidence-grounded HomeLoanWiki/SettleADebt opportunities","Publication and operational holds","Researcher self-check and handoff disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-01","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Independent South African provider perimeter/authorisation gateway only","pending_corrections":0},{"key":"c_za--pass-02","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-02","path":"/research/c_za--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":25,"sources":16,"review_status":"source_provenance_and_narrative_duration_addressed_viaP03","review_complete":true,"sha256":"6bd90abe2674bebf175eaefa70fef9e355809d1e169cc18d0ac9745102e16dfe","headings":["Focused finding: 2019 debt-intervention commencement and implementation","Verification window and result","G1 — Enactment, commencement and transitional status","G2 — Enacted operational architecture, with current availability unproved","G3 — The 2025–26 documents are different instrument families","G4 — Immediate claim disposition and publication rule","Source register — C_ZA-P02-S001 through S016","Atomic claim/evidence register — C_ZA-P02-C001 through C025","Enactment-to-operation dependency crosswalk","Targeted P01 old-to-new disposition","Worked status-classification examples","Example 1 — Published Act, no commencement instrument in the evidence file","Example 2 — Hypothetical staged commencement; one section operative, another withheld","Example 3 — An unrelated draft or current guideline is presented as proof","Example 4 — The statutory 48-month rule is mistaken for a 2019–2023 calendar window","Granular coverage ledger","G1 — Enactment, commencement, provenance and currentness","G2 — Statutory service dependencies and actors","G3 — Source-family conflicts","G4 — P01 corrections and publication disposition","Deferred P01 and whole-country subjects — unchanged holds","Search and read audit","Official repositories and actual bounds","Unresolved primary candidates and prioritized retrieval","Researcher self-check and publication controls","Displayed register counts","Evidence-grounded next publishing opportunity"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-02","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["lawsuit"],"subject":["validation-disputes","court-entry-service","policy-history"]},"scope":"Reviewed remaining2019debt-intervention enactment/commencement/operative-dependencies identity question only","pending_corrections":0},{"key":"c_za--pass-03","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-03","path":"/research/c_za--pass-03/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":6,"claims":11,"sources":2,"review_status":"exact_duration_narrative_correction_resolved_operative_status_held","review_complete":true,"sha256":"9d4bdf0c6eb766afe24705629785e9a659a880d4c6534d880feeb8659fcc5be8","headings":["Narrow correction: §87A suspension duration","1. Finding and exact replacement sentence","2. Narrow statutory reading","G1 — Duration, scope and decision-maker","G2 — Subsequent review does not make relief automatic","Preserved commencement boundary","3. Complete source register","4. Complete atomic claim and evidence register","5. Actual old-to-new correction disposition","6. Two invented classification examples","Example 1 — Fixed wording without automatic benefit","Example 2 — Agreement scope is different from time","7. Complete granular P03 coverage and deferral register","8. Search/read audit and researcher self-check","Actual visible-row counts","Consistency check","Exact next research question, if separately authorized"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-03","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":[]},"scope":"ExactP02narrative12monthwordingonly","pending_corrections":0},{"key":"c_za--pass-05","task":"C_ZA","title":"South Africa: continuation of consumer debt-counseling fee research","parent_title":"South Africa consumer debt and resolution","edition":"pass-05","path":"/research/c_za--pass-05/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":9,"claims":38,"sources":16,"review_status":"same_coordinator_selected_primary_arithmetic_coverage_checked_with_holds","review_complete":true,"sha256":"80bdccef3cda2e64043343e6dc2e0c1f018c43c1a891f81cc730d9fd6c137346","headings":["C_ZA PASS-05 — continuation from the preserved P04 stopping point","7. Controlling authority: the crucial distinction is statutory prescription versus NCR guidance","8. Recovered 2018 fee cells and exact stage conditions","9. Refund and withdrawal: what is actually established, and what is not","10. Reckless-lending fee conflict","11. Consumer documentation needed to classify a charge","Example 1 — initial application and administration","Example 2 — single-applicant restructuring below the ceiling","Example 3 — single-applicant restructuring above the ceiling","Example 4 — qualifying joint/community-of-property restructuring","Example 5 — recurring aftercare","Example 6 — application rejected","Example 7 — withdrawal after restructuring work","Example 8 — creditor instalment, PDA, attorney, collector and regulator fees confused with counsellor fee","Core G1–G5 coverage","Explicitly deferred / unaccepted domains","Arithmetic self-check","Actual displayed counts in this continuation","Exact remaining primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-05","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["counseling-dmp","fees-outcomes","limitations-revival"]},"scope":"Missing-only continuation of capacity-limited P04 consumer fee component","pending_corrections":0},{"key":"c_za--pass-06","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-06","path":"/research/c_za--pass-06/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":50,"sources":13,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"11d2d925f8269197a93f94918bae616f0d56ed9f6474c1633fc5484cbc49cbf8","headings":["Ordinary NCA debt-review payment-distribution agents: client money, trust accounts and reconciliation","G1. Registration and who may control the money","G2. What the enacted client-money requirements say","Capital, insurance and account balances are different protections","Interest has its own account and regulatory pathway","G3. Ledger, reconciliation, records and reporting","Material additional finding: PDA distribution fees are expressly prescribed","Additional ledger and timing findings","Minimum account and reconciliation document contract","G4. Six worked hypothetical money paths","Scenario 1 — Consumer pays creditors directly","Scenario 2 — Debt counsellor receives all repayments into an operating account","Scenario 3 — PDA receives and distributes the whole payment","Scenario 4 — Creditor shortfall and bank-to-ledger mismatch","Scenario 5 — A PDA fee is proposed before creditor allocation","Scenario 6 — Closure, erroneous transfer or claimed attorney trust account","G5. Targeted P01 disposition","Complete P06 source register","Complete atomic claim/evidence register","Legal-force and operational-dependency crosswalk","G1 — Actor, permission and version","G2 — Account, funds, deductions and protection","G3 — Ledgers, reporting, audit and accountability","G4 — Hypothetical classifications and calculations","G5 — Prior-work reconciliation and publication","Separately deferred legal families","Geographic register — all nine provinces","Evidence-backed article, tool and document opportunities","Read/search audit and unresolved primary documents","Researcher self-check and counts","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-06","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["client-money","provider-licensing"]},"scope":"ReviewedP01F04/PDAfundflow safeguarding/distribution only; P05unreviewedfees notadopted","pending_corrections":2},{"key":"c_za--pass-07","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-07","path":"/research/c_za--pass-07/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":38,"sources":24,"review_status":"scoped_review_targeted_consistency_repairs_addressed_holds_remain","review_complete":true,"sha256":"3715364632e1ecd23fa5786eebfb58e65897b5ee796467a4388e073ca80d8f5b","headings":["Ordinary NCA debt-counsellor fees: currentness, incorporation and final-adoption chain","Research dates, provenance and scope","G1.1 What Circular 01 adds to the P05 finding","G1.2 What Circular 01 does not establish","G1.3 Current publication and review status","G1.4 Current regulator practice versus legal incorporation","G1.5 The 2013 voluntary code does not fill the incorporation gap","G1.6 The 2024 “fee guideline” documents are a different subject","Current publication wording","G3.1 Actual official search routes and queries","G3.2 Failed and limited accesses","Workflow 1 — Allegedly new “final fee PDF” without authority or an effective date","Workflow 2 — Generic registration condition expressly incorporates the guideline","Workflow 3 — R1,500 quoted after an announced intention to withdraw","Workflow 4 — Refund demanded under the 2011 rule or Circular 06 proposal","Core coverage — G1","Core coverage — G2 fee categories","Core coverage — G3 source/currentness audit","Core coverage — G4 workflows","Core coverage — G5 reconciliation","Explicitly deferred families","Territorial register","Consistency self-check","Exact next primary-source question","Final P07 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-07","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["fees-outcomes","research-quality"]},"scope":"ReviewedP05remainingcurrentfeelegalforce/finaladoptionchain only; unreviewedP06PDAconclusions notadopted","pending_corrections":0},{"key":"c_za--pass-08","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-08","path":"/research/c_za--pass-08/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":60,"sources":14,"review_status":"three_bounded_P11_repairs_addressed_with_holds","review_complete":true,"sha256":"3baa4c0feb16b04ae1dc660aaad05bf033e1484dfe988d087cb9b1d8ab83e88a","headings":["General consumer-service contract, disclosure, cancellation and refund gateway","G1.1 The hypothetical service may be a CPA “service”","G1.2 Territorial and supplier scope","G1.3 Natural consumers, juristic consumers and business purpose","G1.4 NCA credit-agreement exclusion and the separate service contract","G1.5 CPA contract compliance is not occupational permission","G1.6 Current direct-marketing overlay","G2.1 Plain language and an accessible written contract","G2.2 Online disclosures","G2.3 Fee forms","G2.4 Intermediary-specific disclosure is conditional","G2.5 Unfair price, terms and administration","G2.6 Regulation 44 “grey list”","G2.7 Marketing claims and guarantees","G2.8 Quality of service and partial refunds","G2.9 Advance and prepaid services","G3.1 CPA §14 fixed-term agreements","G3.2 CPA §16 direct-marketing cooling off","G3.3 CPA §17 advance bookings","G3.4 ECTA scope and consumer","G3.5 ECTA §43 disclosure failure","G3.6 ECTA §44 cooling off","G3.7 Service-start consent and other ECTA exclusions","G3.8 Delayed or unavailable electronic performance","G3.9 Foreign law and non-exclusion","G3.10 CPA business-day calculation","Workflow 1 — Free initial call, then paid in-person budgeting session","Workflow 2 — In-person direct marketing followed by immediate paper acceptance","Workflow 3 — Outbound electronic marketing and online acceptance","Workflow 4 — Consumer-initiated electronic service with immediate performance","Workflow 5 — Twelve-month periodic service cancelled early","Workflow 6 — Partially performed fixed fee with a misleading guarantee","Workflow 7 — Contingent fee where no settlement is accepted","Workflow 8 — Mixed legal work, fund control and a business customer","G1 — Applicability, actor and agreement: 16 rows","G2 — Formation, disclosure, fees and fairness: 20 rows","G3 — Cancellation and refund routes: 20 rows","G4 — Fictional workflows: 8 rows","G5 — Reviewed gaps and scope: 6 rows","Consistency checks","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-08","facets":{"geography":["international","c_za"],"debt_type":["contracts"],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"ReviewedP05D02/D03privateCPA/ECTAcontractcancellationgatewayonly; P06P07unreviewednotadopted","pending_corrections":0},{"key":"c_za--pass-09","task":"C_ZA","title":"CZA four bounded consistency repairs","parent_title":"South Africa consumer debt and resolution","edition":"pass-09","path":"/research/c_za--pass-09/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":6,"sources":6,"review_status":"reviewed_scoped_consistency_repairs_addressed_with_holds","review_complete":true,"sha256":"a49dae9a8fc24b537adeb53f81ae0ea28bf7f6b46edc3cfcb067f0c790150eae","headings":["Repair 1 — aftercare source linkage","Replacement for C_ZA-P07-C021","Replacement for P07 coverage row G2-07","Repair 2 — exact 2025/26 annual-report gap reference","Replacement for P07 coverage row G3-08","P07 C038 disposition","Repair 3 — bounded registration-condition search statement","Replacement for C_ZA-P07-C011","Replacement for P07 coverage row G3-05","Repair 4 — September 2025 guideline locator and image-status honesty","Replacement for P07 source row S015","G1 — Aftercare linkage","G2 — Annual-report gap","G3 — Conditions search bound","G4 — Locator honesty","Provincial/local holds","Consistency check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-09","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":["employment-care-benefits"]},"scope":"Four bounded citation, status-crosslink, negative-search and source-locator repairs to reviewedP07","pending_corrections":0},{"key":"c_za--pass-10","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-10","path":"/research/c_za--pass-10/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":95,"sources":14,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"5483c925102bb6df62a5afd304d8fc07c81ac27f104d8faa6acc5291a76d6316","headings":["Generic NCR consumer complaint, investigation and public-enforcement/NCT gateway for ordinary debt-counselling conduct","Focused disposition","G1.1 Who may complain","G1.2 Ordinary debt-counsellor conduct versus other disputes","G1.3 Registered debt counsellor versus alleged unregistered actor","G1.4 Form 29 and complaint content","G1.5 Representation and third-party assistance","G1.6 Anonymous and own-initiative branches","G1.7 Confidentiality is qualified, not absolute","G1.8 Receipt, acknowledgement and operating targets","G2.1 Initial NCR choices are discretionary","G2.2 Initial non-referral","G2.3 Informal or voluntary resolution","G2.4 Formal investigation powers","G2.5 Post-investigation outcomes","G2.6 Provincial consumer-court routing","G2.7 Direct referral after NCR non-referral","G2.8 Current NCT procedural-rule gap","G2.9 Costs and adverse direct-referral branch","G2.10 Appeals and reviews","G2.11 Limitation period","G3.1 Section 54 cessation notice for an alleged unregistered actor","G3.2 Section 55 compliance notice","G3.3 Objection to an NCR notice","G3.4 Cancellation or suspension of registration","G3.5 Interim relief and no automatic collection stay","G3.6 NCT remedial powers","G3.7 Administrative fines","G3.8 Consent-order damages, excess-charge repayment and civil damages are distinct","G3.9 Contract and debt effects are not automatic","G3.10 Orders and review","Workflow 1 — Alleged unperformed aftercare","Workflow 2 — Fee quotation where current authority is unresolved","Workflow 3 — Consumer could not reach the debt counsellor first","Workflow 4 — NCR issues a notice of non-referral","Workflow 5 — NCR investigates and refers public enforcement","Workflow 6 — Voluntary resolution becomes a consent order","Workflow 7 — NCT cancellation or fine versus consumer refund","Workflow 8 — Complaint during active collection litigation","Workflow 9 — Matter may belong to another regulator","Workflow 10 — Alleged unregistered debt counsellor","Workflow 11 — Statutory clock examples","Clock A: §56 objection by recipient of an NCR notice","Clock B: §166 three-year outer period","G1 — Complaint applicability, actor, content and intake: 22 rows","G2 — Assessment, investigation, non-referral and referral: 23 rows","G3 — Public enforcement, sanctions and private consequence: 25 rows","G4 — Fictional workflows and calculations: 11 rows","G5 — Reviewed gap, currentness and territorial scope: 9 rows","Official repositories actually used","Representative bounded searches","Material access and currentness limits","Consistency self-check","Exact next primary-source question","Final P10 disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-10","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":["counseling-dmp","provider-remedies"]},"scope":"ReviewedP07D06nationalgenericNCRcomplaint/investigation/publicenforcement/NCTgatewayonly;unreviewedP06P08P09notadopted","pending_corrections":1},{"key":"c_za--pass-11","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-11","path":"/research/c_za--pass-11/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":7,"sources":2,"review_status":"three_P08_bounded_groups_addressed_with_holds","review_complete":true,"sha256":"7e3eebf7d1a67f2e7728c1cccef647b3ec949e2f3e31a419269e4ac48e6446e9","headings":["Three bounded qualification and traceability repairs to reviewed P08","Focused disposition","R1 — CPA §14(1): both parties must be juristic persons","R2 — CPA §14(3)(b)(ii): credit of consumer-owned remainder","R3 — source, pinpoint and ECTA-trigger repairs","Replacement for P08 G3.1 — CPA §14 fixed-term agreements","Replacement for P08 G2.3 — fee forms","Replacement for P08 G2.8 — service quality and partial refunds","Replacement for P08 G3.8 — ECTA delayed or unavailable performance","R1 — Both-party juristic-person qualification: 7 rows","R2 — Consumer-owned cancellation credit: 6 rows","R3 — Traceability, source and §46 trigger: 11 rows","Nine provincial/local branches","Consistency check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-11","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"Onlythree reviewedP08actor/consumer-ownedcredit/traceability-triggerrepairs; unreviewedP10enforcementfindingsnotadopted","pending_corrections":0},{"key":"c_za--pass-12","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-12","path":"/research/c_za--pass-12/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":64,"sources":16,"review_status":"P14addressed_three_bounded_groups_and_minor_count_link_consistency_with_holds","review_complete":true,"sha256":"596c91ecd02af3ee547100687c3662ff3053b76ef32dd55c89c188ab31967601","headings":["Ordinary unsecured private consumer-debt prescription gateway","Principal disposition","G1.1 Current statutory architecture and currentness","G1.2 Extinction, subsidiary debt and post-prescription payment","G1.3 Applicable periods","G1.4 When the clock begins","G1.5 Instalments and acceleration","G1.6 Assignment or sale of a debt","G2.1 Section 13 delays completion; it does not create one generic pause rule","G2.2 Acknowledgment of liability","G2.3 Judicial interruption","G2.4 Other Acts and pleading","G3.1 Exact §126B protection","Sale","Collection or reactivation","G3.2 Scope and actor limits","G3.3 Revival, acknowledgment and temporal limit","G3.4 Payment after prescription","G3.5 Prescription is not credit-report retention","G3.6 2019 amendment hold","Prescription-period comparison","Clock-changing-event comparison","Workflow 1 — one missed instalment","Workflow 2 — accelerated balance with clause unknown","Workflow 3 — creditor knowledge dispute","Workflow 4 — partial payment or acknowledgment","Workflow 5 — settlement negotiations","Workflow 6 — summons filed but service unknown","Workflow 7 — timely service followed by abandonment","Workflow 8 — minor or deceased-estate delay","Workflow 9 — NCA debt versus non-NCA debt","Workflow 10 — payment after completion","Workflow 11 — assigned old debt","Workflow 12 — principal debtor and guarantor","G1 — Act, periods, due date, knowledge and obligation classification","G2 — Delays, acknowledgment, process and pleading","G3 — NCA interaction","G4 — Fictional workflows and timelines","G5 — Reviewed gap and scope","Consistency self-check","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-12","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":["limitations-revival"]},"scope":"SettleADebt C_ZA PASS-12 -- SOUTH AFRICA, SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P05 D13 REMAINING ORDINARY UNSECURED PRIVATE CONSUMER-DEBT PRESCRIPTION GATEWAY. Exact reviewed remaining row appended. P06PDA/P10enforcement/P11targetedpatch saved unreviewed and not accepted premises. P01-P03/P05/P07/P09 scoped reviews with holds only, no country acceptance. No fee, PDA, CPA cancellation or complaint report replay.","pending_corrections":0},{"key":"c_za--pass-13","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-13","path":"/research/c_za--pass-13/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":68,"sources":12,"review_status":"same_coordinator_selected_primary_arithmetic_coverage_checked_with_holds","review_complete":true,"sha256":"ac09861ff80bc528ce9d3f6b3982b1ccf85319c4d504a1d5daa4eb0ba3bb7b16","headings":["NCA agreement, applicability and debt-type classification gateway","Principal disposition","G1.1 Source edition, amendment and commencement","G1.2 “Consumer,” natural persons and juristic persons","G1.3 Territorial nexus","G1.4 State, organs of state, the Reserve Bank and public providers","G1.5 Arm’s-length requirement","G1.6 Juristic-person threshold","G1.7 Large agreements with below-threshold juristic consumers","G1.8 Limited application where a juristic consumer remains covered","G1.9 Incidental credit has limited, not absent, NCA coverage","G1.10 Cheques, third-party cards and continuous services","G1.11 Classification is not provider permission","G2.1 Core agreement categories","G2.2 Express exclusions from “credit agreement”","G2.3 Deferral alone is not necessarily credit","G2.4 Periodic payment is not automatically deferral","G2.5 Threshold instrument and continuing status","G2.6 Small, intermediate and large agreements","Small","Intermediate","Large","Credit facilities above R250,000","Credit guarantees","G2.7 Principal debt versus total cost","G2.8 Mortgage and secured-loan distinction","G2.9 Guarantee follows the underlying agreement","Workflow 1 — Immediate cash sale","Workflow 2 — Interest-bearing store card","Workflow 3 — Overdraft above the lower threshold","Workflow 4 — Ordinary unsecured term loan with interest","Workflow 5 — Movable-goods instalment agreement","Workflow 6 — Periodic movable-property payments with no charge","Workflow 7 — Medical or municipal service arrears","Workflow 8 — Residential rent versus NCA-defined lease","Workflow 9 — Natural-person surety for excluded corporate loan","Workflow 10 — Below-threshold corporate consumer, non-large agreement","Workflow 11 — Corporate consumer exactly at R1 million","Workflow 12 — Principal below higher threshold, total payments above it","Workflow 13 — Small mortgage","Example A — juristic threshold equality","Example B — lower boundary for a facility","Example C — upper boundary for an ordinary credit transaction","Example D — amount deferred versus total cost","Example E — mortgage overrides amount","G1 — Scope, parties, nexus and exceptions","G2 — Agreement types and thresholds","G3 — Published merits authorities","G4 — Fictional workflows and arithmetic","G5 — Reviewed gap and scope","Consistency self-check","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-13","facets":{"geography":["international","c_za"],"debt_type":["unknown"],"stage":["repossession"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"SettleADebt C_ZA PASS-13 -- SOUTH AFRICA, SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED P05 D11 REMAINING NCA AGREEMENT/APPLICABILITY AND DEBT-TYPE CLASSIFICATION GATEWAY ONLY. Exact reviewed row appended. No full fee/privateCPA-ECTAcontract/PDA/prescription/enforcement reportreplay. P06PDA/P10enforcement/P12prescription saved UNREVIEWED, noneacceptedpremises. P01-P03/P05/P07/P08/P09/P11 SAMEcoordinator scopedreviewswithholds only, no countryacceptance. Source necessary currentNCA applicability/threshold/definition rules freshly; older2019enactment/commencement findings not license to assume uncommencedmodule operative.","pending_corrections":0},{"key":"c_za--pass-14","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-14","path":"/research/c_za--pass-14/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":7,"sources":5,"review_status":"three_boundedP12groups_and_minor_count_link_repairs_addressed_with_holds","review_complete":true,"sha256":"0e8b9f1ed378932b55462ccaee03c5e074c996655a8f08a718aec1e124493d56","headings":["Three bounded repairs to P12, plus count and link consistency","Focused disposition","Replacement for P12 G2.2 — acknowledgment during negotiations","Replacement for P12 G2.3 — service and deemed service","Replacement for P12 G1.1 — 2026 Bill currentness","Replacement for P12 search/read audit — Bill sources","Five preserved anniversary expressions","R1 — KLD qualification","R2 — §15(5) deemed service","R3 — Bill identity, status and count/link repair","Territorial holds","Self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-14","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"OnlyreviewedP12KLDparty-exclusion/deemedservice/Billsourceidentitypluscountlinkconsistency.","pending_corrections":0},{"key":"c_za--pass-15","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-15","path":"/research/c_za--pass-15/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":72,"sources":13,"review_status":"delegated_coordinator_scoped_review_complete_Q001_Q002_UNSENT","review_complete":true,"sha256":"822d0878d05c6188754f418f4135633c3c11876cf8944c554e8abf5e42ceec7d","headings":["National credit-reporting, debt-review clearance and correction gateway","Principal disposition","G1.1 Source chain and currentness","G1.2 What counts as consumer credit information","G1.3 Reporting-source accuracy and advance notice","G1.4 Maximum retention periods","G1.5 Paid arrears and payment-profile updates","G1.6 Free access and inspection","G1.7 Disputes and verification","G1.8 Escalation after credible evidence","G1.9 Prescription-reporting boundary","G1.10 POPIA crossover","G2.1 Two statutory clearance branches","Branch A — all included obligations satisfied","Branch B — qualifying continuing agreement remains","G2.2 Mortgage branch limits","G2.3 “Other prescribed long-term agreement” gap","G2.4 Debt-counsellor measures and proof","G2.5 Refusal or failure to issue","G2.6 Filing after issuance","G2.7 What bureaux must remove after clearance","G2.8 Clearance is not judgment rescission","G2.9 Current 2026 filing process","G2.10 Form 19 and regulation 27 conflict","G2.11 Withdrawal, termination and clearance are distinct","G3.1 Section 71A paid-up removal","G3.2 Defined adverse categories","G3.3 Payment-profile facts versus adverse listing","G3.4 Paid judgment versus rescinded judgment","G3.5 Historical 2014 amnesty","G3.6 Accuracy dispute with credible evidence","G3.7 Accuracy dispute without credible evidence","G3.8 Erroneous debt-review flag","G3.9 Prescription assertion","G3.10 No score, credit or debt-forgiveness guarantee","Workflow 1 — all included unsecured debts settled","Workflow 2 — continuing housing mortgage, criteria met","Workflow 3 — continuing housing mortgage with arrears","Workflow 4 — claimed “other long-term agreement”","Workflow 5 — debt counsellor refuses the certificate","Workflow 6 — certificate issued but not filed","Workflow 7 — unverified disputed listing","Workflow 8 — accurate adverse listing followed by settlement","Workflow 9 — judgment paid but not rescinded","Workflow 10 — erroneous debt-review flag","Workflow 11 — prescription assertion not proved","Workflow 12 — withdrawal versus clearance","Workflow 13 — multiple bureaux after successful dispute","Workflow 14 — adverse label removed, factual payment history remains","Example A — certificate issuance and filing","Example B — §71A settlement sequence","Example C — regulation 20 dispute period","Example D — payment-profile maximum","Example E — adverse-classification maximum","G1 — Reporting perimeter, retention and disputes: 28 rows","G2 — Debt-review clearance: 22 rows","G3 — Paid-up removal and adverse branches: 22 rows","G4 — Fictional workflows and timing examples: 14 rows","G5 — Reviewed gap and scope: 8 rows","Consistency self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-15","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession","resolution"],"subject":["credit-reporting"]},"scope":"ReviewedP05D14nationalcreditreporting/clearance/dispute/removalgatewayONLY.","pending_corrections":2},{"key":"c_za--pass-16","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-16","path":"/research/c_za--pass-16/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":17,"claims":98,"sources":20,"review_status":"delegated_coordinator_scoped_review_Q001_UNSENT","review_complete":true,"sha256":"a0c232332729eec8f7ebe1d30a3b6e72ea6253f7ceb77254b87f6751c3c738e2","headings":["Narrow Magistrates’ Court administration-order gateway","Principal disposition","G1.1 Current statute and source limitations","G1.2 Current debt ceiling","Amount boundary","G1.3 Core eligibility predicates","G1.4 Competent court and territorial nexus","G1.5 Prescribed application and statement","Required statement content","G1.6 Notice and hearing","G1.7 Court’s financial inquiry","G2.1 Contents of the order","G2.2 Payment amount and household necessities","G2.3 Assets and secured agreements","G2.4 Appointment and status of the administrator","G2.5 Security and notice of appointment","Objection periods established in Rule 48","G2.6 Creditor lists and omitted claims","G2.7 Payments to the administrator and default","G2.8 Records, distribution and priorities","G2.9 Distribution account and judicial review","G2.10 Trust-account separation","G2.11 Administrator default or disappearance","G2.12 Administrator accounting failures","G2.13 Direct payments outside the order","G2.14 Administrator’s asset-realisation authority","G2.15 Remuneration and expenses","Latest final Part III tariff actually read","G2.16 Rule-based reserve","G2.17 Information to creditors","G2.18 Failure by administrator to perform duties","G2.19 Application costs","G2.20 Creditor remedies while the order is in force","G3.1 Default under the order","G3.2 Suspension, amendment and rescission","G3.3 Variation following reduced ability to pay","G3.4 Rescission and revival of earlier orders","G3.5 New credit or debt after the order","G3.6 Address, employment and court transfer","G3.7 When the order lapses","G3.8 Sequestration remains possible","G3.9 Prescription boundary","G3.10 Administrator removal and accounts","G3.11 Appeal and review boundary","G3.12 No automatic reporting, lien or interest consequences","Example 1 — ceiling equality","Example 2 — illustrative available-income budget","Example 3 — administrator fee and combined cap","Example 4 — Rule 48 reserve","Example 5 — pro-rata dividend after deductions","Example 6 — symbolic notice and distribution clocks","G1 — statute, ceiling, eligibility, application and hearing: 30 rows","G2 — order, administrator, money, debts and enforcement: 34 rows","G3 — failure, variation, end and remedy boundary: 22 rows","G4 — workflows and numerical examples: 16 rows","G5 — reviewed gap and scope: 8 rows","Consistency self-check","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-16","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession"],"subject":[]},"scope":"ReviewedP05D09MagistratesCourtadministration-ordergatewayONLY;sequestration/businessrescueheld.","pending_corrections":1},{"key":"c_za--pass-17","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-17","path":"/research/c_za--pass-17/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":61,"sources":22,"review_status":"whole_answer_math_counts_and_selected_primary_checked;coreActbody_not_freshly_confirmed;material_currentness_procedure_authority_holds_retained","review_complete":true,"sha256":"faee3e7229728340f97a452e05697a2f05384101feea64a80da16220b1de705c","headings":["Natural-person voluntary surrender of an estate: national statutory gateway","G1.1 What voluntary surrender is","G1.2 Scope of “debtor” and “insolvent estate”","Deceased-estate boundary","G1.3 Joint estate of spouses married in community of property","G1.4 Competent court and territorial nexus","G1.5 Actual insolvency, not cash-flow difficulty alone","G1.6 Sufficient property to cover sequestration costs","G1.7 Advantage to creditors and discretion","G1.8 Valuation and evidence","G2.1 Gazette and newspaper publication","G2.2 Notice to creditors","G2.3 Employees and registered trade unions","G2.4 SARS notice","G2.5 Statement of affairs","G2.6 Local copy and inspection","G2.7 Master’s report and court documents","G2.8 Creditor participation and opposition","G2.9 Defective notice is not automatically harmless","G2.10 Limited effect of publication before an order","G2.11 Withdrawal of the published notice","G2.12 Refusal, lapse and costs","G3.1 Vesting and control","G3.2 Provisional trustee, later appointment and security","G3.3 Court appointment is not an NCR credential","G3.4 Proceedings and execution","G3.5 Solvent spouse’s separate property","G3.6 Secured rights are not automatically cancelled","G3.7 Employment, earnings and necessities","G3.8 Creditors must prove claims","G3.9 Earlier dispositions may be scrutinised","G3.10 No immediate discharge","G3.11 Review of Master decisions","Calculation A — unencumbered assets and a possible concurrent dividend","Calculation B — encumbered property and a downside scenario","Calculation C — positive but minimal estimated dividend","Calculation D — statutory timetable, kept symbolic","G1 — Statute, applicant, forum and financial gateway: 20 rows","G2 — Notices, documents, hearing and withdrawal: 18 rows","G3 — Order, asset control, creditors and rehabilitation: 20 rows","G4 — Fictional workflows: 14 rows","G5 — Reviewed gap and currentness: 6 rows","Self-check","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-17","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"ReviewedP05D09naturalpersonvoluntarysurrendersequestrationgatewayONLY;administration/businessrescueheld.","pending_corrections":0},{"key":"c_za--pass-18","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-18","path":"/research/c_za--pass-18/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":65,"sources":27,"review_status":"scoped_review_complete_with_holds","review_complete":true,"sha256":"6b5bfb3d2b883d26e8d89c0ca0d1111d88b9fb6a975d454f08e96b5e655319f0","headings":["Creditor-initiated sequestration of a natural person: application, provisional order and final-order gateway","Principal findings","Primary anchors","1.1 Natural-person estate and competent court","1.2 Qualifying creditor and amount","1.3 Disputed and unliquidated claims","1.4 Act of insolvency or actual insolvency","1.5 Actual insolvency alternative","Primary anchors","2.1 Required petition information and affidavit","2.2 Security for application and administration costs","2.3 Master’s pre-court role","2.4 Initial furnishing under §9(4A)","2.5 Stratford: actual final judgment and limits","2.6 Ordinary motion procedure and opposition","2.7 No voluntary-surrender publication timetable imported","Primary anchors","3.1 Provisional and final tests","3.2 Rule nisi and service","3.3 Creditor advantage","3.4 Contested evidence","3.5 Friendly, abusive or collusive applications","3.6 Settlement and applicant costs","3.7 Immediate effect is not discharge","Example A — creditor standing thresholds","Example B — conditional advantage model","Example C — valuation downside","Example D — Master’s certificate age","Example E — procedural clocks kept separate","G1 — Applicant, claim, insolvency and jurisdiction: 20 rows","G2 — Petition, Master, notice and procedure: 22 rows","G3 — Provisional/final orders and consequences: 22 rows","G4 — Workflows: 14 rows","G5 — Reviewed gap and limits: 6 rows","Consistency check","Exact next primary-source question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-18","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["origination","bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"ReviewedP05D09creditor-initiatedinvoluntarynaturalpersonsequestrationgatewayONLY;P16/P17unreviewednotpremises.","pending_corrections":0},{"key":"c_za--pass-19","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-19","path":"/research/c_za--pass-19/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":36,"sources":20,"review_status":"scoped_review_complete_with_material_directive_currentness_local_holds","review_complete":true,"sha256":"b8e4dff754a8a6aff1b4d3c82e673f0f9ab62d5bd541c6ba66894b4742ff9d81","headings":["Voluntary surrender: High Court jurisdiction, Master-report procedure and publication directions","Focused disposition","Primary amendment","Current-text read aid—not an official consolidation","1.1 The jurisdictional connections","1.2 The enacted 2001 proviso","1.3 Section 149(2) and §151 are not interchangeable","Controlling rulemaking body","2.1 Covered categories—not every estate","2.2 Ordinary capable living debtor: what remains open","2.3 What the rule actually times","2.4 Missing or late report","Official integrated rules body","3.1 Application papers and actors","3.2 Ex parte procedure and creditor participation","3.3 Service and “delivery”","Document/actor comparison","3.4 Changed dates, disputed facts and directions","4.1 Directive 1 of 2025: actual body recovered","4.2 Directive 1 of 2020: linked qualification recovered","4.3 Currentness of the court rules","Illustration A — Rule 6(9) sequence","Illustration B — Ordinary ex parte filing and set-down","Jurisdiction and review: 9 rows","Master-report mechanism: 10 rows","Application papers and opposition: 9 rows","Publication and source currentness: 8 rows","Workflows: 6 rows","Reconciliation and controls: 4 rows","Nine provincial/local branches","Audit","Supported opportunities","Reconciled counts","Final self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-19","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["repossession","bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"ReviewedP17remainingcurrent149jurisdiction/UniformRuleMaster-reportprocedure/necessarydirectivegapONLY;P18unreviewednotpremise.","pending_corrections":0},{"key":"c_za--pass-20","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-20","path":"/research/c_za--pass-20/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":20,"sources":17,"review_status":"scoped_review_complete_joint_current_primary_and_observer_holds","review_complete":true,"sha256":"41aa939f1b3b5b7d9109250c4b8129ef371ecbb86a515bd745f5ab9d37c3f8ec","headings":["Section 9 qualifying-claim thresholds and monetary continuity","1.1 Single-creditor R100: fresh primary judicial confirmation","1.2 Statutory conversion rule found—not merely historical commentary","Commencement and edition limit","1.3 Joint R200: judicial corroboration, but not the requested controlling application","1.4 Exact §9(1)–(2) structure recovered only from a secondary reproduction","1.5 Result of the currentness inquiry","Replacement for C_ZA-P18-C004","Replacement coverage cells","Model A — single-creditor boundary","Model B — grouped boundary and separate single-creditor possibility","Source-status accounting","Threshold, wording and monetary chain — 18 rows","Fictional postures — 8 rows","Reconciliation and safeguards — 4 rows","Nine provincial/local holds","Evidence-backed next product"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-20","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":[]},"scope":"SettleADebt C_ZA PASS-20 — SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P18 REMAINING CURRENT-PRIMARY JOINT R200 / SINGLE R100 QUALIFYING CLAIM THRESHOLD AND MONETARY CONTINUITY QUESTION. No whole sequestration or P19procedure rerun.","pending_corrections":0},{"key":"c_za--pass-21","task":"C_ZA","title":"CZA South Africa","parent_title":"South Africa consumer debt and resolution","edition":"pass-21","path":"/research/c_za--pass-21/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":30,"sources":19,"review_status":"scoped_review_complete_one_material_2_3_scope_repair_pending","review_complete":true,"sha256":"343775489c14415c79fe7625118ad3d51f4afb8b9510761200a2608939f41011","headings":["Insolvency Act §149: primary jurisdiction text, amendment chain and foreign-designation boundary","Fresh primary judicial text","1.1 The alternatives and their different dates","1.2 Actual judicial application, not merely a copied heading","1.3 What remains unconfirmed","Official primary compilation","2.1 Older terminology does not identify a modern seat by itself","2.2 Area is a legal boundary, not simply a province label","Fresh enacted amendment","3.1 Domestic alternative forum","3.2 Foreign-State branch","3.3 Original amendment and repeal must not be conflated","Original enacted body, disclosed primary reproduction","4.1 Designation requires a legal instrument","4.2 Original approval and withdrawal provisions are not certified current","4.3 Commencement is not the same as designation","4.4 Actual current designation status remains unresolved","5.1 Exact §149(2) wording obtained from a final judgment","5.2 “Made by it” is a real boundary","5.3 No broad automatic-nullity or cure conclusion","5.4 Section 151 remains a different review gateway","Model A — jurisdictional connections","Model B — domestic and foreign discretion","Reviewed coverage rows","Affected P19 claim cells","Jurisdiction, definition and area — 12 rows","Proviso, amendments and designation — 12 rows","Own orders, review and authority limits — 6 rows","Fictional workflows — 6 rows","Models, crosswalk and research controls — 6 rows","Nine provincial/local holds","Self-check","Exact unresolved primary question"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-21","facets":{"geography":["international","c_za"],"debt_type":[],"stage":["bankruptcy"],"subject":["bankruptcy-insolvency"]},"scope":"SettleADebt C_ZA PASS-21 — SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P19 REMAINING INSOLVENCY ACT149 PRIMARY COURT-JURISDICTION TEXT / MATERIAL AMENDMENT-COMMENCEMENT / FOREIGN-DESIGNATION BOUNDARY. No whole surrender/sequestration, report-publication or creditor-threshold rerun.","pending_corrections":0},{"key":"c_za--pass-22","task":"C_ZA","title":"CZA narrow correction to P21","parent_title":"South Africa consumer debt and resolution","edition":"pass-22","path":"/research/c_za--pass-22/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":4,"claims":1,"sources":1,"review_status":"targeted_2_3_scope_repair_addressed_with_remaining_holds","review_complete":true,"sha256":"5a98f4190197938db673ce53f08a963540a7cb539d5a57d8d64e0494e33a6cab","headings":["1. Replacement for P21 §II.2.2’s §2(3) paragraph","2. Replacement atomic claim","3. Replacement coverage cell","4. Effect on workflow and model references","5. Fresh source record","Retained provenance and holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_ZA/pass-22","facets":{"geography":["international","c_za"],"debt_type":[],"stage":[],"subject":[]},"scope":"OneP21SuperiorCourtsAct2(3)expressscopeexclusionrepaironly","pending_corrections":0},{"key":"c_sg--pass-01","task":"C_SG","title":"Singapore: Provider classification and authorization gateways","parent_title":"Singapore consumer debt and resolution","edition":"pass-01","path":"/research/c_sg--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":16,"claims":40,"sources":29,"review_status":"revise_two_bounded_groups_UNSENT","review_complete":true,"sha256":"a43670a7132e46f7edf677e8785e799fd5a85b3110014e21b28c7b99bd782f4a","headings":["Singapore: Provider classification and authorization gateways","Principal determination","A. Paid activities, debt perimeter, and legal gateways","A1. Activity-by-activity classification","A2. Debt types: consumer, commercial, and guarantor obligations","A3. Payment and benefit","B. Actor and exemption crosswalk","Professional exceptions do not travel automatically","C. Territorial nexus and authorization checks","C1. Where the activity occurs","C2. Essential authorization conditions","C3. Read-only public verification","D. Boundary with Singapore insolvency law","Source register — C_SG-P01-S001 onward","Statutes, subsidiary instruments, and Police authorities","MAS authorities","Courts, insolvency, company and legal-profession authorities","Source-integrity observations","Atomic claim register — C_SG-P01-C001 onward","Explicit negative and unresolved propositions","E. Fully worked hypothetical classification workflows","H1 — Paid debtor negotiator versus creditor-side collector","H2 — Free nonprofit with a claimed professional exception","H3 — Offshore online debt-help provider","H4 — Consumer debt, company debt, sole proprietor and guarantor","H5 — Debt consultant also recommending an investment product","H6 — Private settlement consultant versus statutory voluntary-arrangement nominee","E2. Quantitative gateway-cost examples","Example Q1 — One collection business, three approved collectors","Example Q2 — Two distinct legal entities, one collector per entity","F. Granular coverage and remaining-work register","F1. Activity, debt, and financial-advice coverage","F2. Actors, exceptions, and authorization capacity","F3. Territorial, gateway, register and currentness coverage","F4. Necessary insolvency boundary and hypothetical checks","F5. Explicitly deferred country and A098 questions","Material new questions produced by this pass","Evidence-grounded SettleADebt content and tool opportunities","Annotated-document research opportunities","Researcher self-check and evidence limitations","Checks performed","Limitations requiring coordinator attention","Coordinator disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_SG/pass-01","facets":{"geography":["international","c_sg"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Singapore paid debt-advice-negotiation defined activities/actor/debt/exemption/nexus and authorization gateway ONLY; consumer fees contracts funds conduct remedies fullcountryquestions deferred","pending_corrections":2},{"key":"c_br--pass-01","task":"C_BR","title":"Brazil: provider perimeter and authorization gateways","parent_title":"Brazil consumer debt and resolution","edition":"pass-01","path":"/research/c_br--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":10,"claims":51,"sources":40,"review_status":"scoped_gateway_reviewed_current_financial_judgment_territorial_holds","review_complete":true,"sha256":"4c7071f159a6fb142f0ba9711c9348d6e17686588e16e8f6cd4ef80af0042b32","headings":["Executive determination","A–C. Substantive legal perimeter","A. The controlling distinction is the activity, not the business label","B. Actor/activity/capacity matrix","C. Public-law gateway: superendividamento, proceedings and authority","D. Read-only public-authority verification method","E. Worked invented classifications","Conditional numerical treatment","Source register","Claim/evidence register","F. Complete granular coverage ledger","F1. Every A–E gateway issue","F2. Every broader deferred subject, separately","F3. Complete territorial inventory — every current state and Distrito Federal","Editorial applications and publication decisions","Explicit publication holds","Researcher self-check and handoff"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-01","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Independent narrow Brazilian provider-perimeter and capacity gateway; state/DF/local and broader country held","pending_corrections":0},{"key":"c_br--pass-02","task":"C_BR","title":"Brazil: bank-correspondent versus debtor-agent rule-body research","parent_title":"Brazil consumer debt and resolution","edition":"pass-02","path":"/research/c_br--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":26,"sources":15,"review_status":"selected_official_historical_explanatory_checks_completed_access_window_unverified","review_complete":true,"sha256":"6b3599cbfed85e8bd7d5110bd40a04b8d04a68c0e3bf8d9f9450c21c831be59b","headings":["Principal finding","G1. Current rule-body reconciliation","Original regulation, amendment and commencement crosswalk","Material provisions actually examined","G2. Actor/activity/capacity determination","Remuneration, disclosures and qualifications","G3. Exact proof and verification requirements","G4. Five invented classifications","Source register — PASS-02 only","Atomic claim/evidence register","G5. P01 old-to-new disposition","COMPLETE PASS-02 granular coverage","G1–G4 and P01 reconciliation coverage","Separately named deferred families","All 27 original territorial branches expressly preserved as deferred","PASS-02 researcher self-check","Exact next source and acceptance blocker"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-02","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"OnlyreviewedremainingcurrentCMN4935institution-sidecorrespondentversusdebtoragentbody/capacity","pending_corrections":0},{"key":"c_br--pass-03","task":"C_BR","title":"Brazil: PASS-02 source-access provenance correction","parent_title":"Brazil consumer debt and resolution","edition":"pass-03","path":"/research/c_br--pass-03/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":5,"claims":10,"sources":0,"review_status":"unsupported_access_window_withdrawn_clock_unknown_preserved","review_complete":true,"sha256":"176ee5eb19e3e4322d3581919a0ac944c40194a254239aea82723c3bfcb4c02f","headings":["G1. Exact reusable replacement paragraph","Exact replacement paragraph","A. Source-register introductory paragraph","B. All 15 PASS-02 source rows"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-03","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"Only P02unverified access-clock/source-provenance correction; legal findings/currentness holds preserved","pending_corrections":0},{"key":"c_br--pass-04","task":"C_BR","title":"Brazil: consumer-service fees, contracts, cancellation and refund framework","parent_title":"Brazil consumer debt and resolution","edition":"pass-04","path":"/research/c_br--pass-04/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":49,"sources":16,"review_status":"scoped_coordinator_review_complete_primary_source_blocks_currentness_application_holds","review_complete":true,"sha256":"2be498fa496ae380d55f4b78c9b6b720fa01ccb749d210d2f64580ec6f9c177e","headings":["Executive determination","G1. Applicability, contract formation and disclosures","1. Which engagements fall within the CDC?","2. Information, sales scripts and incorporated promises","3. Standard-form engagement contracts","4. Additional online contracting duties","G2. Fees, earning events, performance and unfair terms","1. The default remuneration rules","2. What is actually wrong with a fee clause?","3. Nonperformance versus lack of a successful settlement","4. Fee ceilings and double recovery","G3. Withdrawal, termination and refunds","1. Four routes that must not be combined","2. Withdrawal conditions and procedure","3. In-person agreements","4. Services already started or completed","5. Termination and revocation outside the reflection period","G4. Six worked invented classifications","H01 — Fixed advice fee, partial performance","H02 — Online engagement and statutory withdrawal","H03 — Ordinary in-person signing","H04 — Contingent negotiation fee, no accepted settlement","H05 — Nonperformance and misleading guarantee","H06 — Combined nonlegal work with legal opinions or debtor funds","G5. Preservation of P01 records and targeted dispositions","Narrow result","Material amendment/currentness crosswalk","Core coverage: G1–G5, documents, time and examples","Separately named deferred families","All inherited states and Distrito Federal — no fresh geographic certification","Useful publication/tool/document opportunities — subject to holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-04","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures","fees-outcomes"]},"scope":"P01C043/G52/D08/D09 generalfederalconsumerfee/contract/cancellation gateway only","pending_corrections":0},{"key":"c_br--pass-05","task":"C_BR","title":"Brazil: private consumer-debt limitation and prescription","parent_title":"Brazil consumer debt and resolution","edition":"pass-05","path":"/research/c_br--pass-05/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":60,"sources":16,"review_status":"scoped_coordinator_review_complete_statutory_source_currentness_judicial_calendar_application_holds","review_complete":true,"sha256":"9c594fee1a60efebda57ed8f0b274dba30d854c1b4211014a0bd1cb44ef41441","headings":["Executive determination","G1.1 Period-selection matrix","Narrow classification rule","G1.2 Accrual and maturity","G1.3 Principal, interest and accessories","G1.4 Prescription versus decadence","G1.5 Substantive claim versus reporting clock","G2.1 Impediment and suspension","G2.2 One-time interruption","Filing, citation and diligence","Protest and pre-protest negotiation","G2.3 Acknowledgment, partial payment and new agreements","Unequivocal acknowledgment","Partial payment","Novation and confirmation","G2.4 Effects among multiple parties","G2.5 Intercurrent prescription","G3.1 Judicial recognition","G3.2 Effect on the claim and underlying obligation","G3.3 Extrajudicial collection: present uncertainty","G3.4 Setoff","G3.5 Credit reporting remains separate","H01 — Single written liquid contract, maturity known","H02 — Leap-day maturity","H03 — Instalments and uncertain acceleration","H04 — Proposed part payment and disputed acknowledgment","H05 — Suit filed just before the apparent endpoint","H06 — Collector letter versus statutory protest","H07 — Apparently prescribed debt, voluntary payment and new agreement","Literal reviewed P01 row preserved","PASS-05 addition","Exact documents still needed for any real classification"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-05","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["limitations-revival"]},"scope":"ReviewedP01D04 ordinaryunsecuredcivilprescriptiononly; no unreviewedP04feeconclusion adopted","pending_corrections":0},{"key":"c_br--pass-06","task":"C_BR","title":"Brazil: negative credit-register entries, notice, duration and correction","parent_title":"Brazil consumer debt and resolution","edition":"pass-06","path":"/research/c_br--pass-06/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":60,"sources":20,"review_status":"same_coordinator_selected_primary_math_coverage_checked_with_holds","review_complete":true,"sha256":"8372d94996ff60f097599a061aae545f5f301106a892807a9a4419c9fa34ca23","headings":["G1.1 Covered data and excluded systems","G1.2 Actors and their distinct duties","G1.3 Consumer and business classifications","G2.1 Who gives notice?","G2.2 How early must the notice be?","G2.3 Postal notice","G2.4 Electronic notice and the 2026 current rule","Currentness correction","G2.5 Five-year maximum and the correct trigger","G2.6 The two duration limits","G3.1 Full and cleared payment","G3.2 Partial payment and instalment settlements","G3.3 Access","G3.4 Immediate correction","G3.5 Notice failure, prior lawful entries and remedies","G3.6 Generic public routes","H01 — Proposed negative entry with no prior notice","H02 — Wrong postal address and unproved email","H03 — Matured debt close to the five-year limit","H04 — Assignment to a debt buyer","H05 — Full payment clears on a Monday","H06 — Partial payment and instalment settlement","H07 — Mistaken identity and inaccurate amount","H08 — One erroneous entry alongside an earlier lawful entry","H09 — Consumer requests access and correction through a representative","Literal reviewed P01 row preserved","PASS-06 narrow addition","Material currentness crosswalk","Exact evidence still required for a real record analysis"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-06","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["privacy-data"]},"scope":"ReviewedP01D05ordinarynegativecreditregisteronly; no unreviewedP04/P05premise","pending_corrections":0},{"key":"c_br--pass-07","task":"C_BR","title":"Brazil: positive credit history and Cadastro Positivo","parent_title":"Brazil consumer debt and resolution","edition":"pass-07","path":"/research/c_br--pass-07/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":72,"sources":11,"review_status":"P11legal_clock_count_and_P12actor_stage_provenance_repairs_addressed_with_holds","review_complete":true,"sha256":"9436775376cc79d7229c599cd2759740c76dddf9d9b06c247da0b7c3a0a93744","headings":["G1.1 Operative law and amendment timeline","G1.2 Actor matrix","G1.3 Natural persons, legal persons and territorial limits","G1.4 What constitutes positive payment history?","G1.5 Prohibited and out-of-scope data","G1.6 Manager requirements versus a general provider licence","G2.1 Opt-in to opt-out transition","G2.2 Opening notice","Notice exception","Previously expressed opt-out","G2.3 Sixty-day consultation barrier","G2.4 Full-history authorization","G2.5 Permitted consultation purpose","G2.6 Sharing among managers","G2.7 Cancellation and reopening","Effects of cancellation","Reopening","G2.8 Score-access suspension","G3.1 Free access","G3.2 Access clocks","G3.3 Correction and refusal","G3.4 Score criteria and transparency","G3.5 Automated decisions","G3.6 Duration and retention","G3.7 Limited LGPD crossover","G3.8 Generic registration and regulatory verification","H01 — Automatic opening without prior opt-in","H02 — Missing or delayed opening notice","H03 — Consumer requests cancellation","H04 — Later reopening after cancellation","H05 — Score-only consultation versus full-history access","H06 — Inaccurate partial-payment datum","H07 — Accurate datum but adverse credit decision","H08 — Legal-person business record","H09 — Representative requests access","H10 — Utility and financial-source edge","Literal reviewed P01 row preserved","PASS-07 narrow addition","Exact evidence still required for a real positive-history assessment"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-07","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["privacy-data","accessibility","policy-history"]},"scope":"ReviewedP01D05positivepaymenthistory/cadastropositivocomponentonly;unreviewedP04P05P06notadopted","pending_corrections":0},{"key":"c_br--pass-08","task":"C_BR","title":"Brazil: LGPD data roles, legal bases and data-subject rights","parent_title":"Brazil consumer debt and resolution","edition":"pass-08","path":"/research/c_br--pass-08/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":73,"sources":11,"review_status":"delegated_coordinator_scoped_review_complete_Q001_Q002_UNSENT","review_complete":true,"sha256":"17391f391c1432b16c252138460178718a278fe1165e870b90bb018d6a9c8bfb","headings":["G1.1 Currentness and commencement crosswalk","G1.2 Definitions and person scope","Anonymization boundary","G1.3 Territorial triggers and exclusions","G1.4 Publicly accessible data","G1.5 Role classification by actual operation","G2.1 Principles apply regardless of legal basis","G2.2 Material ordinary-data bases","Bases ordinarily outside this narrow commercial gateway","G2.3 Consent requirements","G2.4 Contract basis","G2.5 Regular exercise of rights","G2.6 Legitimate interest","G2.7 Credit protection","G2.8 Public-source reuse","G2.9 Data-law basis is not substantive business permission","G3.1 Transparency before a request","G3.2 Rights matrix","G3.3 Confirmation and access","G3.4 Correction","G3.5 Deletion, anonymization and blocking","Unnecessary, excessive or unlawful data","Consent-based deletion","Accurate debt data","G3.6 Processing termination and retention","G3.7 Revocation and objection","Revocation","Objection","G3.8 Requests, representative and identity verification","G3.9 Request made to an operator","G3.10 Automated decisions","G3.11 Small processing agents","Eligibility","Deadlines","G3.12 Public authorities","G3.13 Generic ANPD route","H01 — Data subject requests confirmation and complete access","Standard-controller clock","H02 — Inaccurate debt balance","H03 — Accurate debt, but subject demands deletion","H04 — Consent withdrawn while lawful retention is asserted","H05 — Public-source data repurposed into a debt lead","H06 — Operator receives an access request","H07 — Representative requests a person’s debt file without authority proof","H08 — Solely automated adverse credit decision","H09 — Legitimate-interest processing is objected to","H10 — Requester wrongly assumes every small business gets 30 days","Qualifying small-agent complete-statement calculation","Different simplified branch","Other rights branch","Literal P01 G53 row preserved","Literal P01 D05 row preserved","Narrow PASS-08 disposition","Exact evidence required for an actual LGPD classification"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-08","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["privacy-data"]},"scope":"Only reviewedP01G53/D05ordinaryLGPDrole/basis/data-subjectrightscomponent; no unreviewedP04-P07premises","pending_corrections":2},{"key":"c_br--pass-09","task":"C_BR","title":"Ordinary private civil repayment, consensual settlement, payment allocation, receipt and release gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-09","path":"/research/c_br--pass-09/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":10,"claims":84,"sources":5,"review_status":"accepted_with_limits","review_complete":true,"sha256":"034d1aee37351efa1eca11a10d4c79142ff45f41e8cccde7b0e399b71b45bb5c","headings":["Ordinary private civil repayment, consensual settlement, payment allocation, receipt and release gateway","G1.1 Current law and narrow currentness","G1.2 Legal classification matrix","G1.3 Validity, form and interpretation","Capacity, subject matter and form","Intent, wording and strict interpretation","Offer, acceptance and changed terms","Conditions","G1.4 Legal-person authority","G1.5 Representation and mandate","G1.6 Creditor assignment and debtor substitution","Assignment of the credit","Assumption of debt","G1.7 Narrow consumer overlay","G2.1 Who may pay?","Debtor and interested third party","Noninterested third party","G2.2 Who may receive?","Creditor or authorized representative","Unauthorized payee","Putative creditor","Incapable recipient","Holder of a receipt","Attachment, seizure or third-party opposition","G2.3 What must the creditor accept?","Different performance","Partial payment","Monetary obligations","G2.4 Proof and quitação","Right to regular receipt","Receipt contents","Statutory presumptions","Expenses","G2.5 Time and place","G2.6 Payment consignation gateway","G2.7 Subrogation","G2.8 Allocation among multiple debts","Debtor’s designation","Creditor’s receipt allocation","Principal and interest","Statutory fallback","Costs","G3.1 Dation in payment","G3.2 Novation","Three statutory branches","Intent is indispensable","New debtor","Accessories and guarantees","G3.3 Remission","G3.4 Partial payment and solidarity","G3.5 Transaction — transação","Mutual concessions and disposable rights","Form","Scope and interpretation","Guarantor and solidary effects","Penalty, invalidity and annulment","G3.6 Receipt, quitação and “full release”","G3.7 Judicial and extrajudicial enforcement gateway","Judicially approved settlement","Extrajudicial enforcement title"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-09","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["settlement","resolution"],"subject":["settlement-negotiation"]},"scope":"OnlyreviewedP01D06ordinarycivilpayment/allocation/novation/remission/settlement/receiptcomponent; no unreviewedP04-P08premises","pending_corrections":0},{"key":"c_br--pass-10","task":"C_BR","title":"Ordinary consumer debt-collection communications and conduct","parent_title":"Brazil consumer debt and resolution","edition":"pass-10","path":"/research/c_br--pass-10/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":12,"claims":65,"sources":9,"review_status":"delegated_coordinator_scoped_review_complete_no_new_material_contradiction_established","review_complete":true,"sha256":"08487c03220ca987c25ba5ce8325b50564c96de3d872dd1e2db1bb6557b5442f","headings":["Ordinary consumer debt-collection communications and conduct","G1.1 Consumer and supplier nexus","G1.2 Actor matrix","G1.3 Civil conduct rule","Examples of conduct requiring fact-specific review","G1.4 No universal call-hour or frequency rule established","G1.5 Criminal collection-conduct gateway","G1.6 Administrative enforcement gateway","G1.7 Collection-document identity","G2.1 Exact CDC art. 42 sole-paragraph predicates","What the text does not establish","G2.2 “Undue amount” must be determined first","G2.3 Actual payment requirement","G2.4 Objective good faith and engano justificável","Tema 929 current-status hold","G2.5 Two conditional numerical examples","Example A — full excess payment","Example B — demand error larger than actual overpayment","G2.6 Creditor and third-party collector","G3.1 Written challenge","G3.2 No imported FDCPA mechanism","G3.3 Evidence preservation","G3.4 Consumidor.gov.br","G3.5 SNDC bodies","G3.6 Separate routes preserved","H01 — Ordinary private consumer demand","H02 — Employer and relative disclosure","H03 — Collection document omits identifying fields","H04 — Mistaken demand, no payment","H05 — Paid excess; no justifiable error established","H06 — Demand error exceeds the amount actually overpaid","H07 — Outsourced collector falsely threatens immediate court seizure","H08 — Disputed identity, no actual account record provided","H09 — Regulated lender versus ordinary private negotiator","H10 — Frequency, hours and local-law uncertainty","Literal reviewed row preserved","PASS-10 disposition","Evidence required for a real collection-conduct assessment"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-10","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["collection"],"subject":["collection-conduct"]},"scope":"SettleADebt C_BR PASS-10 -- BRAZIL, SAME AUTHORISED ORIGINAL REGULAR CHAT. ONLY REVIEWED P01 D03 REMAINING COLLECTION COMMUNICATIONS AND CONDUCT. Exact reviewed row appended. BR4 contracts/BR5 prescription/BR7 positive/BR8 LGPD/BR9 payment saved awaiting first review; none of their conclusions accepted as premises. BR6 review in progress, no adoption required. Re-establish necessary primary definitions fresh. Do not replay provider-perimeter or entire reporting/contract/payment modules.","pending_corrections":0},{"key":"c_br--pass-11","task":"C_BR","title":"Two bounded corrections to reviewed positive-history research","parent_title":"Brazil consumer debt and resolution","edition":"pass-11","path":"/research/c_br--pass-11/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":9,"claims":15,"sources":3,"review_status":"P11legal_clock_count_and_P12actor_stage_provenance_repairs_addressed_with_holds","review_complete":true,"sha256":"da58eacea2790c72d9c331fec324b17917a8b81f72961a84b6d839b76a53912b","headings":["Two bounded corrections to reviewed PASS-07 positive-history research","1.1 Exact operative provision","Correction determination","1.2 Distinction from the other PASS-07 rules","1.3 Unresolved implementation question","H01 — Automatic opening without prior opt-in","H02 — Missing or delayed opening notice","H06 — Inaccurate partial-payment datum","Corrected stipulated trigger","Replacement source-count paragraph","All 11 original PASS-07 source rows","Final patch disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-11","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["credit-reporting","policy-history"]},"scope":"Onlytwo reviewedP07prior-informationright/source-audit_andH06receiptassumptiongroups; afterBR10completecapture/import/idle","pending_corrections":0},{"key":"c_br--pass-12","task":"C_BR","title":"One bounded provenance-only repair to","parent_title":"Brazil consumer debt and resolution","edition":"pass-12","path":"/research/c_br--pass-12/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":9,"claims":6,"sources":0,"review_status":"one_bounded_access_actor_stage_group_resolved","review_complete":true,"sha256":"28a8e18c916030c2c9e12564640e6c380aa9b90443d2e128d1263d0e9416e4f1","headings":["One bounded provenance-only repair to PASS-11","Final provenance disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-12","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"OnlyP11originalresearcher-versus-latercoordinatoraccessprovenancecells;preservevalidP07legal-clock-countpatch","pending_corrections":0},{"key":"c_br--pass-13","task":"C_BR","title":"Ordinary civil assignment, ownership, debtor notice, defenses and creditor/payment-recipient authority","parent_title":"Brazil consumer debt and resolution","edition":"pass-13","path":"/research/c_br--pass-13/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":66,"sources":8,"review_status":"P15addressed_boundedpaymentqualification_traceability_countgroups_with_holds","review_complete":true,"sha256":"05f425e6f9a0c05c8c36e0369c5a7df977ca355589a0a858bc58d757448d1a05","headings":["Ordinary civil assignment, ownership, debtor notice, defenses and creditor/payment-recipient authority","G1.1 Controlling bodies and commencement","G1.2 What ordinary assignment does","Anti-assignment clause","Accessories","Mortgage registration boundary","G1.3 Validity between the assignment parties versus effects on third parties","G1.4 Transaction distinctions","G2.1 Debtor consent versus notice","G2.2 Citation and unequivocal knowledge","Corte Especial — 2021","Third Panel — 2026","No retroactive cure of prior payment","G2.3 Bare notice versus ownership proof","G2.4 Multiple assignments","Priority between assignments","Debtor’s protected payment after multiple notifications","Public deed","G2.5 Conservatory acts before notice","G2.6 Whom the debtor may safely pay","Original creditor before knowledge","Original creditor after knowledge","Creditor or representative","Putative creditor","Holder of a receipt","Attached claim","G2.7 Debtor defenses","Civil assignment versus endorsement","G2.8 Setoff","G2.9 Assignor warranties","Existence of the claim","Solvency","September 2026 STJ qualification","G2.10 Minimum documentary packet","G3.1 Court-authority table","G3.2 Precedential/currentness limits","H01 — Bare collection email","H02 — Written notice but incomplete title chain","H03 — Partial payment to the original creditor before knowledge","H04 — Multiple assignees","H05 — Contractual prohibition on assignment","H06 — Debtor has a defense against the original creditor","H07 — Collector has mandate but no ownership","H08 — Assignee invokes assignor solvency warranty","H09 — Assignment confused with novation","H10 — Assignee sues without earlier notice","Literal reviewed P01 row preserved","PASS-13 narrow disposition","Exact evidence required for a real authority determination"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-13","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["ownership-transfer"]},"scope":"SettleADebt C_BR PASS-13 -- BRAZIL, SAME ORIGINAL AUTHORISED REGULAR CHAT. DISTINCT REVIEWED P01 D07 REMAINING CREDITOR AUTHORITY: ORDINARY CIVIL ASSIGNMENT/OWNERSHIP, DEBTOR NOTICE, DEFENCES AND ASSIGNOR/ASSIGNEE/PAYMENT-RECIPIENT AUTHORITY GATEWAY ONLY. Actual reviewed remaining row appended. D07 also names voluntary creditor participation/court nonappearance: those separate court/superendividamento modules remain DEFERRED here except boundary statement. P01-P03 scoped reviews and BR6/P07/P11/P12 scoped corrections with holds NOT wholecountryacceptance. BR4contracts/BR5prescription/BR8LGPD/BR9payment/BR10collection remain unreviewed: NONEof their conclusions acceptedpremises; source necessary definitions and narrowpayment/assignment rules fresh. No rerun negative/positive reporting/fee/payment/prescription full reports.","pending_corrections":0},{"key":"c_br--pass-14","task":"C_BR","title":"Ordinary civil transaction validity, nullity and annulability gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-14","path":"/research/c_br--pass-14/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":86,"sources":6,"review_status":"three_predicate_traceability_count_repairs_addressed_viaP17","review_complete":true,"sha256":"2ae207b9aab944fb803f78521b8c5a73695e268fa0b33d852971f2ba3e3a1211","headings":["Ordinary civil transaction validity, nullity and annulability gateway","G1.1 Currentness and operative-text crosswalk","G1.2 Current capacity rules","Natural persons","Juristic persons","G1.3 Core validity elements","Relative incapacity is personal","Initial impossibility","G1.4 Form: validity requirement versus evidence","General freedom of form","Mandatory public deed","Contractually chosen public instrument","Invalid instrument versus invalid transaction","G1.5 Manifestation and interpretation","Mental reservation","Silence","Intention and language","Good faith and the 2019 amendment","Benefits and waivers","G1.6 Representation and authority","G1.7 Consumer-law qualification","G2.1 Structural comparison","G2.2 Nullity grounds — art. 166","G2.3 Simulation — art. 167","G2.4 Who can invoke nullity and what the court does","G2.5 No confirmation or convalidation by time","G2.6 Conversion","G2.7 Annulability grounds","G2.8 Confirmation","Express confirmation","Tacit confirmation","Effect","Missing third-party authorization","G2.9 Standing and effect before judgment","G2.10 Decadence periods","Four-year periods — art. 178","Two-year fallback — art. 179","G2.11 General decadence qualifications","G2.12 Minor’s false statement of age","G2.13 Payment to an incapable person","G2.14 Restoration after annulment","G2.15 Instrument, partial invalidity and accessories","G3.1 Error or ignorance — arts. 138–144","G3.2 Dolo — arts. 145–150","G3.3 Coercion — arts. 151–155","G3.4 State of danger — art. 156","G3.5 Lesion — art. 157","G3.6 Fraud against creditors — arts. 158–165","Gratuitous transfers and remission","Onerous contracts","Purchaser’s deposit option","Defendants and third-party bad faith","Premature payment and preferences","H01 — Capable adult, ordinary form","H02 — Mandatory form missing","H03 — Relative incapacity","H04 — Minor falsely declares adulthood","H05 — Substantial error versus poor bargain","H06 — Causative versus incidental dolo","H07 — Third-party coercion, beneficiary knew or did not know"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-14","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":[]},"scope":"ReviewedP01D02currentCiviltransactionvalidity/nullity/annulabilitygatewayONLY;BR4/5/9/10/13unreviewednotpremises.","pending_corrections":0},{"key":"c_br--pass-15","task":"C_BR","title":"Bounded P13 payment-recipient qualification and source/claim/count traceability repair","parent_title":"Brazil consumer debt and resolution","edition":"pass-15","path":"/research/c_br--pass-15/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":8,"sources":2,"review_status":"P13paymentqualification_traceability_count_repairs_addressed_with_holds","review_complete":true,"sha256":"a296808dfdc73fec0502103c5eeb2526d4c6548d5d15afb1fbab6b3b081c2049","headings":["Bounded P13 payment-recipient qualification and source/claim/count traceability repair","R1.1 Replacement for the affected portion of P13 G2.6","Creditor or rightful representative — art. 308","Good-faith payment to a putative creditor — art. 309","Creditor incapable of giving valid discharge — art. 310","Bearer of the creditor’s receipt — art. 311","R1.2 Replacement attachment discussion","Art. 298 — creditor’s knowing attempted transfer of an attached claim","Art. 312 — debtor pays after formal intimation","R1.3 Exact distinction","Replacement P13-G37","P13-G38 through G41","Replacement P13-G42","Replacement H03 adverse branch","R2.1 Civil Code commencement","Erroneous P13 reference","Replacement paragraph","R2.2 CPC commencement","Erroneous P13 reference","Replacement paragraph","R2.3 Replacement P13 core-coverage references","R2.4 CPC succession claims remain unchanged","Replacement P13 crosswalk-count sentence","Replacement P13 self-check cell","C_BR-P15-S001","C_BR-P15-S002","Final self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-15","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":[]},"scope":"ReviewedP13CC310/312vs298paymentqualificationpluscommencementtraceability/countunitsONLY.","pending_corrections":0},{"key":"c_br--pass-16","task":"C_BR","title":"Ordinary civil surety (fiança) and solidary/joint-obligation gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-16","path":"/research/c_br--pass-16/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":11,"claims":80,"sources":13,"review_status":"delegated_coordinator_scoped_review_source_access_currentness_judicial_application_holds","review_complete":true,"sha256":"ceece20be1caf96f186c14ca89a65afd845abe5513499b078100a6288822eda1","headings":["Ordinary civil surety (fiança) and solidary/joint-obligation gateway","G1.1 Current federal bodies","G1.2 Merely joint/divided versus solidary obligations","Divisible obligations with several debtors or creditors","Indivisible obligations","Solidarity","Special statutory exceptions","G1.3 Active solidarity","G1.4 Passive solidarity: external claim","Death of a solidary debtor","Partial payment and remission","New condition imposed on one debtor","Impossibility, damages and default interest","Defenses","Renunciation of solidarity","G1.5 Passive solidarity: internal contribution","G1.6 Relationship-classification matrix","G1.7 Natural person, juristic person and consumer nexus","G2.1 Definition and accessory character","G2.2 Writing and strict interpretation","G2.3 Debtor consent","G2.4 Future debts","G2.5 Scope, accessories and judicial expenses","G2.6 Lesser or more favorable surety","G2.7 Invalid principal obligation","G2.8 Suitability and replacement of surety","G2.9 Benefit of excussion","Exceptions","G2.10 Co-sureties","G2.11 Surety payment, subrogation and internal recourse","G2.12 Indefinite surety and prospective exoneration","G2.13 Death and heirs","G2.14 Defenses","G2.15 Statutory discharge","G2.16 Novation, transaction, assignment and remission—narrow effects only","G3.1 Spousal authorization","G3.2 Judicially supplied authorization","G3.3 Consequence, ratification and standing","G3.4 STJ Súmula 332","G3.5 Business guarantee does not remove authorization requirement","G3.6 Deliberate concealment or false declaration of marital status","G3.7 Unconsented amendments — Súmula 214","G3.8 Automatic extension — Súmula 656","G3.9 Current lease-law duration rule","G3.10 Notice during a fixed lease","G3.11 Older lease transitional branch","G3.12 Waiver after indefinite extension","G3.13 Original rent versus unconsented increase","G3.14 Family-home attachment held","H01 — Two debtors sign without solidarity wording","H02 — Express solidary debt and partial payment","H03 — Creditor remits one debtor’s share","H04 — One insolvent solidary co-debtor","H05 — Written surety versus oral promise","H06 — Surety invokes excussion but identifies no usable assets","H07 — Waiver and principal-payer branch","H08 — Two co-sureties with and without division","H09 — Indefinite surety notice and lease branch","Ordinary Civil Code branch — 60 days","Current indefinite residential-lease branch — 120 days"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-16","facets":{"geography":["international","c_br"],"debt_type":[],"stage":[],"subject":["liability-signers"]},"scope":"ReviewedP01D13Civilfiança/solidaryjointliabilitygatewayONLY.","pending_corrections":0},{"key":"c_br--pass-17","task":"C_BR","title":"Bounded P14 atomic-predicate, commencement-traceability and count-unit repair","parent_title":"Brazil consumer debt and resolution","edition":"pass-17","path":"/research/c_br--pass-17/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":5,"sources":1,"review_status":"three_predicate_and_traceability_count_repairs_addressed_with_holds","review_complete":true,"sha256":"4df261a42a042d67fcd7c81e661d8365e5c7a13cfc6f50b6f3750fd92846c79d","headings":["Bounded P14 atomic-predicate, commencement-traceability and count-unit repair","Replacement C_BR-P14-C006","Replacement C_BR-P14-C027","Replacement C_BR-P14-C044","Replacement P14 crosswalk-count sentence","Replacement P14 self-check cell"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-17","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service","policy-history"]},"scope":"OnlyreviewedP14threeatomicpredicatespluscommencementtraceability/crosswalkcountunits.","pending_corrections":0},{"key":"c_br--pass-18","task":"C_BR","title":"Ordinary civil commencement and service-of-process gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-18","path":"/research/c_br--pass-18/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":14,"claims":80,"sources":27,"review_status":"delegated_coordinator_scoped_review_source_access_currentness_interpretation_application_holds","review_complete":true,"sha256":"b810657fcceeb2a5c8f5f97cdef2e2794316fdd64b62032c19957833e108fcc3","headings":["Ordinary civil commencement and service-of-process gateway","Principal findings","1.1 Amendment and commencement crosswalk","1.2 CNJ reconstruction and residual currentness hold","2.1 Jurisdiction and competent court","Forum clauses after the 2024 amendment","Consumer qualification","2.2 Procedural capacity and representation","Counsel and receipt of citation","2.3 Initial petition","Amendment before rejection","2.4 Filing, registration and distribution","2.5 Court costs and fee assistance","3.1 Citation versus intimation","3.2 Judicial service targets are not defense deadlines","3.3 Personal recipient and representative","3.4 Postal citation","3.5 Officer service","3.6 Service by hora certa","3.7 Citation by edital","3.8 Special curator and absence of actual knowledge","3.9 Protected situations and inability to receive","3.10 Outside the territorial district and abroad","4.1 Registered recipient categories","4.2 Private-company and ordinary non-public citation","4.3 Public-law legal persons","4.4 Other personal notifications","4.5 Timely confirmation and fifth business day","4.6 Consultation on a non-business day","4.7 DJEN publication","4.8 Content, access and alerts","4.9 Rollout and local implementation","5.1 Valid citation","5.2 Voluntary appearance","5.3 Invalid service and timely objection","5.4 Purpose and prejudice","5.5 Defective later intimation","5.6 General response trigger, without default merits","5.7 Calendar and electronic filing","T01 — Fifteen business days to amend the initial petition","T02 — Private electronic acknowledgment branch","T03 — Fifth-business-day marker after confirmation","Literal reviewed record","Narrow dispositions","9.1 Read bodies, guidance and indexes","9.2 Failed or substantively unread routes"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-18","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["lawsuit"],"subject":["court-entry-service","policy-history"]},"scope":"ReviewedP01D15ordinarycivilcommencementandservicegatewayONLY;default/appealsseparate.","pending_corrections":0},{"key":"c_br--pass-19","task":"C_BR","title":"Ordinary civil revelia and ensuing merits-judgment gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-19","path":"/research/c_br--pass-19/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":13,"claims":77,"sources":12,"review_status":"delegated_coordinator_scoped_review_no_new_material_error_RQ001_validation_only_UNSENT","review_complete":true,"sha256":"f2a9604d810f1543a3982ae91d537c585f4b91dd755854c148cd4d30e557079a","headings":["Ordinary civil revelia and ensuing merits-judgment gateway","1.1 Current CPC and temporal boundaries","1.2 Preconditions, not a service rerun","2.1 What creates the status","2.2 Failure to answer versus failure to deny a particular fact","2.3 What the presumption covers","2.4 All art. 345 exceptions","Co-defendant qualification","3.1 Publication and representation","3.2 Evidence after default","Not every requested item must be produced","3.3 Later allegations and just cause","3.4 When the factual effect does not apply","4.1 Ordinary burden","4.2 Redistribution is reasoned and prospective enough to permit compliance","4.3 CDC inversion is not automatic from a label or default","4.4 Contradictory process and judicial proof","5.1 Early merits judgment","5.2 Organization of the remaining case","5.3 Partial merits judgment","6.1 Essential judgment structure","6.2 Amount of the monetary obligation","6.3 Liquidation is not a second opportunity to prove the entire claim","6.4 Relief cannot exceed the claim—but the claim has statutory implicit components","6.5 Supervening facts","7.1 Main claim","7.2 Preliminary issues: an express default exception","7.3 What does not independently become final","7.4 Preclusion and reopening","H01 — Unanswered ordinary money claim","H02 — One co-defendant answers","H03 — Non-disposable right","H04 — Legally indispensable instrument missing","H05 — Implausible or contradicted allegations","H06 — Late appearance","H07 — Appearance while evidence can still be produced","H08 — Liability established but amount unresolved","H09 — Claimant’s proof remains weak","H10 — Relief exceeds the claim","H11 — Partial versus final judgment","H12 — Reasons missing","T01 — Ordinary answer period after an unsuccessful hearing","T02 — Five-day adjustment request after saneamento","T03 — Separable partial merits component","Preserved literal record","Narrow PASS-19 dispositions"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-19","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["judgment"],"subject":["proof-evidence"]},"scope":"ReviewedP01D15ordinarycivilrevelia/defaultandjudgmentgatewayONLY;P18serviceunreviewednotpremise.","pending_corrections":0},{"key":"c_br--pass-20","task":"C_BR","title":"Ordinary civil apelação from a first-instance sentence","parent_title":"Brazil consumer debt and resolution","edition":"pass-20","path":"/research/c_br--pass-20/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":16,"claims":85,"sources":20,"review_status":"accepted_with_limits","review_complete":true,"sha256":"186d3563a5aab9cb50688540dd3726ce755bbf906889c00e67d2d8b3271f21e2","headings":["Ordinary civil apelação from a first-instance sentence","1.1 Principal operative body","1.2 Material amendment crosswalk","1.3 Consumer qualification and exclusions","2.1 Sentence, interlocutory decision and despacho","2.2 Partial merits decision","2.3 Deferred interlocutory objections","2.4 Necessary agravo boundary: Tema 988","3.1 Who may appeal?","3.2 Representation and authority","3.3 Originating and deciding court","3.4 Petition contents and reasons","3.5 Admissibility is not merits","3.6 Formal cure does not mean rewriting an appeal after time expires","4.1 Ordinary response","4.2 Recurso adesivo","5.1 Ordinary period and trigger","5.2 Electronic journal: availability, publication and day one","5.3 Designated counsel and defective notice","5.4 Business days, recess and force majeure","5.5 Multiple parties and procedural privileges","5.6 Filing and technical unavailability","5.7 Local-holiday proof after Lei 14.939/2024","5.8 Embargos de declaração boundary","6.1 Distinct cost defects","6.2 Legal aid requested in the appeal","6.3 Published qualification: insufficient payment after aid refusal","7.1 Ordinary rule","7.2 All six art. 1.012 §1 exceptions","7.3 Where suspension is requested","7.4 Preserve the actual §4 alternatives","8.1 Extent and depth of review","8.2 Immediate merits decision: all art. 1.013 §3 branches","8.3 Reasons and contradiction","8.4 Necessary evidence at appellate stage","8.5 New factual allegations","8.6 Retratação and correction are limited","T01 — Appeal after electronic-journal publication","T02 — Insufficient preparation: five-day cure","T03 — Respondent’s response and adhesive window","Preserved literal record","PASS-20 narrow dispositions","Exact unresolved inputs for an actual appeal"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-20","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["appeal"],"subject":["appeals"]},"scope":"ReviewedP01D15ordinarycivilapelaçaogatewayONLY;P18/P19unreviewednotpremises.","pending_corrections":0},{"key":"c_br--pass-21","task":"C_BR","title":"Ordinary civil embargos de declaração: clarification, correction and limited modifying effects","parent_title":"Brazil consumer debt and resolution","edition":"pass-21","path":"/research/c_br--pass-21/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":74,"sources":20,"review_status":"scoped_coordinator_review_with_limits_no_material_correction_established","review_complete":true,"sha256":"4982b646e48daabdab494ae5fa1ab5ff933c92a4c23a3ade2e1456c4df58c0a4","headings":["Ordinary civil embargos de declaração: clarification, correction and limited modifying effects","1.1 Operative text and commencement","1.2 Material currentness checks","2.1 Which decisions?","2.2 Four statutory grounds","2.3 Mandatory-precedent and reason-giving omissions","2.4 Concise reasons can be sufficient","2.5 Material correction versus another merits appeal","3.1 Standing and representation","3.2 Same issuing judge or court","3.3 What the petition must identify","3.4 Five business days—not fifteen","Electronic-journal sequence","3.5 Notice defects, holidays and technical interruption","3.6 Period privileges","3.7 No preparo","4.1 Opponent’s participation","Published qualifications do not create a blanket notice exception","4.2 Decision timing","4.3 Conversion into agravo interno","4.4 Outcome-changing correction","5.1 The ordinary effect","5.2 Rejected on the defect merits is not the same as inadmissible","5.3 Special higher-appeal gate: no generalization","5.4 The opponent’s own clarification window is not restarted","5.5 Not every procedural duty is an appeal period","5.6 Repeated applications","6.1 No automatic suspension","6.2 Actual suspension standard","7.1 Article 1.025","7.2 STJ procedural qualification","7.3 Súmula 98 and its limit","8.1 First sanction branch","8.2 Repetition","8.3 Two previous applications deemed dilatory","8.4 First fine versus mandatory predeposit: authorities and tension","T01 — Five-business-day clarification period","T02 — Full restart of another ordinary appeal period","T03 — Fine ceilings and a stipulated judicial percentage","First manifestly dilatory finding","Repeated manifestly dilatory finding","Preserved literal record","PASS-21 narrow dispositions","Exact remaining facts before an individual conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-21","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["appeal"],"subject":["appeals"]},"scope":"ReviewedP01D15ordinarycivilEmbargosDeDeclaracaoCPC1022-26gatewayONLY;P18/P19/P20unreviewednotpremises.","pending_corrections":0},{"key":"c_br--pass-22","task":"C_BR","title":"Ordinary civil agravo de instrumento and interlocutory-review gateway","parent_title":"Brazil consumer debt and resolution","edition":"pass-22","path":"/research/c_br--pass-22/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":80,"sources":17,"review_status":"delegated_coordinator_scoped_review_selected_Tema988_primary_statutory_access_later_judicial_application_holds","review_complete":true,"sha256":"f8a535125629e6fe3926d45b9fffeb61e978c26dd52b3aa9eb20f943995468f5","headings":["Ordinary civil agravo de instrumento and interlocutory-review gateway","1.1 Statute and commencement","1.2 Material amendment/status crosswalk","2.1 Interlocutory decision versus sentence","2.2 Deferred review under art. 1.009 §1","3.1 Sole-paragraph procedural contexts","3.2 Special intervention limits","4.1 Actual full judgment obtained","4.2 The majority’s test","4.3 Application in the representative judgment","4.4 Temporal modulation","4.5 Preclusion: preserve the two different branches","Expressly appealable decisions","Exceptional unlisted decisions","4.6 Separate writings","4.7 Status limitation","5.1 Correcting the case value is not denying legal aid","5.2 Evidence inside a disregard incident is not automatically art. 1.015(IV)","5.3 An evidentiary ruling does not establish urgency by its label","5.4 Later authority is not a new repetitive thesis","6.1 Standing and adverse interest","6.2 Directly to the competent tribunal","6.3 Petition contents","6.4 Required instrument in the non-electronic branch","6.5 Authenticity and preservation","6.6 Electronic origin records","6.7 Filing channels","6.8 Missing pieces and other curable defects","7.1 Paper origin records","7.2 Consequence requires respondent allegation and proof","7.3 Later prejudice and proof qualification","7.4 Retraction and information from the originating judge","8.1 Ordinary appeal period","8.2 Electronic journal sequence","8.3 Calendar, suspension and just cause","8.4 Multiple parties and institutions","8.5 Local-holiday proof","8.6 Electronic filing time and unavailability","9.1 Ordinary preparation","9.2 Distinct correction branches","9.3 Aid requested on appeal versus review of an aid denial","10.1 Relator’s initial actions","10.2 Respondent’s response","10.3 Ministério Público","10.4 One-month scheduling direction","10.5 Submission alone is not suspension","Three different inquiries","10.6 Reasons, participation and evidence","10.7 Agravo interno is a different remedy","T01 — Ordinary fifteen-business-day appeal","T02 — Three-day paper-origin notification","T03 — Five-day documentary correction","Preserved literal record","PASS-22 narrow dispositions","Exact unresolved inputs for an actual application"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-22","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["appeal"],"subject":["appeals"]},"scope":"SettleADebt C_BR PASS-22 — SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P01 D15 REMAINING ORDINARY CIVIL AGRAVO DE INSTRUMENTO / INTERLOCUTORY-REVIEW GATEWAY, CPC1015-1020 AND NECESSARY1009(1),1021BOUNDARY. No apelação or embargosdeclaração rerun.","pending_corrections":0},{"key":"c_br--pass-23","task":"C_BR","title":"Ordinary civil agravo interno against a relator’s monocratic decision","parent_title":"Brazil consumer debt and resolution","edition":"pass-23","path":"/research/c_br--pass-23/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":18,"claims":70,"sources":28,"review_status":"delegated_coordinator_scoped_review_no_new_material_error_RQ001_validation_only_UNSENT","review_complete":true,"sha256":"f9299b6a04985eaaf123dd239351ce1a177c7d2e9b51ac338a11838d05140dbb","headings":["Ordinary civil agravo interno against a relator’s monocratic decision","Principal determination","Material source limitations","1.1 Principal CPC body","1.2 Material amendment and commencement crosswalk","2.1 Proper target","2.2 Higher-admission boundary","2.3 Standing and adverse interest","2.4 Capacity and representation","2.5 Filing and deciding body","3.1 Article 932 is not unrestricted power to decide every appeal alone","3.2 What the internal appeal must attack","3.3 Independent chapters are not identical to multiple grounds sustaining one chapter","3.4 Cure has limits","3.5 Informal reconsideration does not stop the appeal clock","3.6 Conversion and fungibility are not automatic","4.1 Ordinary period","4.2 Correct notification event","4.3 Electronic publication and current-channel hold","4.4 Calendar, suspension and impediment","4.5 Co-parties and public institutions","4.6 Holiday proof and electronic filing","4.7 Respondent’s period","5.1 Retraction inside the appeal","5.2 Agenda and decision","5.3 Oral argument: not a universal yes or no","6.1 Statutory starting point","6.2 Full repetitive judgment actually read","6.3 Actual result and sanction distinction","6.4 Subsequent-record limit","7.1 Preparo is not the §4 fine","7.2 Legal aid","7.3 Filing does not automatically stay the decision","8.1 Cumulative statutory requirements","8.2 Directly read 2026 application: no automatic penalty","8.3 Tema 1201: verified thesis, full-body gap","Limits that remain","8.4 Advance deposit under §5","8.5 A subsequent appeal challenging only the fine","T01 — Fifteen-business-day internal appeal","T02 — Five-day formal cure","T03 — Fine range and conditional deposit","Preserved literal record","PASS-23 additions","13.1 Statutes and amendment bodies","13.2 Published judicial bodies and official records","13.3 Failed full-body routes","Exact residual work"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_BR/pass-23","facets":{"geography":["international","c_br"],"debt_type":[],"stage":["appeal"],"subject":["appeals"]},"scope":"SettleADebt C_BR PASS-23 — SAME ORIGINAL AUTHORISED REGULAR CHAT. ONLY REVIEWED P01 D15 REMAINING ORDINARY CIVIL AGRAVO INTERNO AGAINST A RELATOR'S MONOCRATIC DECISION, CPC1021 AND NECESSARY932/OTHERGENERALBOUNDARIES. No fullagravodeinstrumento/apelação/embargos/higher-specialappeals rerun.","pending_corrections":0}],"groups":[{"id":"foundations","title":"Debt & money basics","range":[1,8]},{"id":"debt-types","title":"Types of debt","range":[9,31]},{"id":"ways-forward","title":"Ways to resolve debt","range":[32,40]},{"id":"settlement","title":"Settlement in detail","range":[41,53]},{"id":"collections","title":"Collections & legal rights","range":[54,70]},{"id":"life","title":"Life events & special situations","range":[71,80]},{"id":"industry","title":"Providers, evidence & the economy","range":[81,86]},{"id":"practical","title":"Decision tools & practical resources","range":[87,93]},{"id":"global","title":"Business, markets & international debt","range":[94,100]}],"areas":[{"number":1,"area_id":"A001","title":"Debt terminology and definitions","scope":"Debt, credit, liability, arrears, delinquency, default, charge-off, collection, settlement, restructuring, forgiveness, cancellation, discharge, satisfaction, release; distinguish outcomes.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Debt, credit, liability, arrears, delinquency, default, charge-off, collection, settlement, restructuring, forgiveness, cancellation, discharge, satisfaction, release","Explain and verify: distinguish outcomes."],"url":"/topics/debt-terminology-and-definitions/"},{"number":2,"area_id":"A002","title":"Debt classification","scope":"Secured/unsecured, revolving/installment, consumer/commercial, public/private, recourse/nonrecourse, priority/nonpriority, fixed/contingent, disputed/undisputed.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Secured/unsecured, revolving/installment, consumer/commercial, public/private, recourse/nonrecourse, priority/nonpriority, fixed/contingent, disputed/undisputed."],"url":"/topics/debt-classification/"},{"number":3,"area_id":"A003","title":"Who legally owes a debt","scope":"Individual and joint borrowers, cosigners, guarantors, authorized users, spouses, businesses, partnerships, trusts, estates; liability after payment, settlement, death, divorce, bankruptcy.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Individual and joint borrowers, cosigners, guarantors, authorized users, spouses, businesses, partnerships, trusts, estates","Explain and verify: liability after payment, settlement, death, divorce, bankruptcy."],"url":"/topics/who-legally-owes-a-debt/"},{"number":4,"area_id":"A004","title":"Interest fees and debt mathematics","scope":"APR, simple/compound interest, daily accrual, amortization, capitalization, penalty rates, deferred interest, late fees, collection costs, variable rates, minimum payments, negative amortization.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: APR, simple/compound interest, daily accrual, amortization, capitalization, penalty rates, deferred interest, late fees, collection costs, variable rates, minimum payments, negative amortization."],"url":"/topics/interest-fees-and-debt-mathematics/"},{"number":5,"area_id":"A005","title":"Loan agreements and account terms","scope":"Notes, security agreements, guarantees, acceleration, cross-default, arbitration, governing law, payment allocation, prepayment, modifications.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Notes, security agreements, guarantees, acceleration, cross-default, arbitration, governing law, payment allocation, prepayment, modifications."],"url":"/topics/loan-agreements-and-account-terms/"},{"number":6,"area_id":"A006","title":"The debt lifecycle","scope":"Application, underwriting, origination, servicing, repayment, hardship, delinquency, default, charge-off, collection placement, sale, litigation, judgment, resolution, closure.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Application, underwriting, origination, servicing, repayment, hardship, delinquency, default, charge-off, collection placement, sale, litigation, judgment, resolution, closure."],"url":"/topics/the-debt-lifecycle/"},{"number":7,"area_id":"A007","title":"Measuring a debt situation","scope":"Inventory, balance sheet, income, essential expenses, assets, cash flow, DTI, disposable income, affordability, temporary and lasting shortfalls.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Inventory, balance sheet, income, essential expenses, assets, cash flow, DTI, disposable income, affordability, temporary and lasting shortfalls."],"url":"/topics/measuring-a-debt-situation/"},{"number":8,"area_id":"A008","title":"Urgency and competing deadlines","scope":"Court responses, foreclosure, repossession, eviction, shutoff, garnishment, tax notices, disputes, expiring offers, assistance applications.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Court responses, foreclosure, repossession, eviction, shutoff, garnishment, tax notices, disputes, expiring offers, assistance applications."],"url":"/topics/urgency-and-competing-deadlines/"},{"number":9,"area_id":"A009","title":"Credit cards and charge accounts","scope":"General-purpose, store, secured, charge, business, cash advance, transfer, promotional, joint, closed-with-balance accounts; hardship, disputes, settlement and alternatives.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: General-purpose, store, secured, charge, business, cash advance, transfer, promotional, joint, closed-with-balance accounts","Explain and verify: hardship, disputes, settlement and alternatives."],"url":"/topics/credit-cards-and-charge-accounts/"},{"number":10,"area_id":"A010","title":"Personal loans and bank debts","scope":"Unsecured installments, lines, credit unions, deposit-secured borrowing, overdrafts, negative accounts, returned payments, online lending.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Unsecured installments, lines, credit unions, deposit-secured borrowing, overdrafts, negative accounts, returned payments, online lending."],"url":"/topics/personal-loans-and-bank-debts/"},{"number":11,"area_id":"A011","title":"Payday title and small dollar credit","scope":"Payday, title, high-cost installments, pawn, tribal lending, cash advances, renewals, refinancing cycles, licensing, enforceability.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Payday, title, high-cost installments, pawn, tribal lending, cash advances, renewals, refinancing cycles, licensing, enforceability."],"url":"/topics/payday-title-and-small-dollar-credit/"},{"number":12,"area_id":"A012","title":"Retail financing and BNPL","scope":"Pay-in-four, longer installments, furniture, appliances, electronics, deferred interest, rent-to-own, returns/refunds, loan stacking.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Pay-in-four, longer installments, furniture, appliances, electronics, deferred interest, rent-to-own, returns/refunds, loan stacking."],"url":"/topics/retail-financing-and-bnpl/"},{"number":13,"area_id":"A013","title":"Mortgages and home secured borrowing","scope":"First/second mortgages, HELOC, equity loans, reverse, manufactured homes, arrears, escrow, balloons, deficiencies, loss mitigation.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: First/second mortgages, HELOC, equity loans, reverse, manufactured homes, arrears, escrow, balloons, deficiencies, loss mitigation."],"url":"/topics/mortgages-and-home-secured-borrowing/"},{"number":14,"area_id":"A014","title":"Housing and property debts","scope":"Rent, termination, eviction balances, deposits, HOA/condo, assessments, timeshares, improvements, solar financing.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Rent, termination, eviction balances, deposits, HOA/condo, assessments, timeshares, improvements, solar financing."],"url":"/topics/housing-and-property-debts/"},{"number":15,"area_id":"A015","title":"Vehicle and asset financing","scope":"Auto loans/leases, motorcycles, RVs, boats, recreational assets, equipment, surrender, repossession, auctions, deficiencies, GAP disputes.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Auto loans/leases, motorcycles, RVs, boats, recreational assets, equipment, surrender, repossession, auctions, deficiencies, GAP disputes."],"url":"/topics/vehicle-and-asset-financing/"},{"number":16,"area_id":"A016","title":"Medical dental and care debt","scope":"Hospitals, clinicians, ambulance, emergency, dental, mental health, rehabilitation, nursing/long-term care, insurance, itemization, charity assistance, medical cards, surprise bills.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Hospitals, clinicians, ambulance, emergency, dental, mental health, rehabilitation, nursing/long-term care, insurance, itemization, charity assistance, medical cards, surprise bills."],"url":"/topics/medical-dental-and-care-debt/"},{"number":17,"area_id":"A017","title":"Federal student loans","scope":"Loan families, current repayment, delinquency, default, rehabilitation, consolidation, deferment, forbearance, forgiveness/discharge, collection, borrower defense, bankruptcy, current court changes.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Loan families, current repayment, delinquency, default, rehabilitation, consolidation, deferment, forbearance, forgiveness/discharge, collection, borrower defense, bankruptcy, current court changes."],"url":"/topics/federal-student-loans/"},{"number":18,"area_id":"A018","title":"Private education and school debts","scope":"Private loans, cosigners, institutional loans, tuition arrears/plans, income-share agreements, scholarship repayment, aid overpayments, transcripts.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Private loans, cosigners, institutional loans, tuition arrears/plans, income-share agreements, scholarship repayment, aid overpayments, transcripts."],"url":"/topics/private-education-and-school-debts/"},{"number":19,"area_id":"A019","title":"Tax debt","scope":"Federal/state/local income, payroll, sales, property/business taxes; penalties, interest, assessments, liens, levies, agreements, compromise, hardship, appeals.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Federal/state/local income, payroll, sales, property/business taxes","Explain and verify: penalties, interest, assessments, liens, levies, agreements, compromise, hardship, appeals."],"url":"/topics/tax-debt/"},{"number":20,"area_id":"A020","title":"Utilities and telecom debt","scope":"Electric, gas, water, sewer, trash, phone, internet/cable, equipment, termination, deposits, shutoff protections, payment/assistance plans.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Electric, gas, water, sewer, trash, phone, internet/cable, equipment, termination, deposits, shutoff protections, payment/assistance plans."],"url":"/topics/utilities-and-telecom-debt/"},{"number":21,"area_id":"A021","title":"Everyday bills and service contracts","scope":"Childcare, veterinary, funeral, legal/accounting, storage, moving, subscriptions, gym, repair, disputed cancellation charges.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Childcare, veterinary, funeral, legal/accounting, storage, moving, subscriptions, gym, repair, disputed cancellation charges."],"url":"/topics/everyday-bills-and-service-contracts/"},{"number":22,"area_id":"A022","title":"Debts workers owe employers","scope":"Wage overpayment, payroll advances, signing/relocation clawbacks, training repayment, tuition reimbursement, equipment, employer loans.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Wage overpayment, payroll advances, signing/relocation clawbacks, training repayment, tuition reimbursement, equipment, employer loans."],"url":"/topics/debts-workers-owe-employers/"},{"number":23,"area_id":"A023","title":"Family and personal obligations","scope":"Informal family/friend loans, written agreements, support arrears, divorce obligations, gifts versus loans.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Informal family/friend loans, written agreements, support arrears, divorce obligations, gifts versus loans."],"url":"/topics/family-and-personal-obligations/"},{"number":24,"area_id":"A024","title":"Government benefit and aid overpayments","scope":"Social Security, unemployment, public/housing benefits, veterans, disaster aid, appeals, waiver, repayment, collections, Treasury offset.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Social Security, unemployment, public/housing benefits, veterans, disaster aid, appeals, waiver, repayment, collections, Treasury offset."],"url":"/topics/government-benefit-and-aid-overpayments/"},{"number":25,"area_id":"A025","title":"Fines fees and criminal justice debt","scope":"Traffic/parking/tolls, court costs, probation, criminal fines, restitution, incarceration charges, ability-to-pay proceedings.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Traffic/parking/tolls, court costs, probation, criminal fines, restitution, incarceration charges, ability-to-pay proceedings."],"url":"/topics/fines-fees-and-criminal-justice-debt/"},{"number":26,"area_id":"A026","title":"Civil claims judgments and insurance debts","scope":"Accident/property liability, subrogation, deductibles, indemnity, damages, attorney awards, existing legal settlement obligations.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Accident/property liability, subrogation, deductibles, indemnity, damages, attorney awards, existing legal settlement obligations."],"url":"/topics/civil-claims-judgments-and-insurance-debts/"},{"number":27,"area_id":"A027","title":"Business loans and facilities","scope":"Term/credit lines, equipment, cards, SBA, disaster, franchise, guarantees, public credit, commercial property, farm and trade finance boundaries.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Term/credit lines, equipment, cards, SBA, disaster, franchise, guarantees, public credit, commercial property, farm and trade finance boundaries."],"url":"/topics/business-loans-and-facilities/"},{"number":28,"area_id":"A028","title":"Merchant cash advances and alternative funding","scope":"Receivables purchases, remittances, reconciliation, factoring, revenue financing, stacking, brokers, guarantees, legal characterization.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Receivables purchases, remittances, reconciliation, factoring, revenue financing, stacking, brokers, guarantees, legal characterization."],"url":"/topics/merchant-cash-advances-and-alternative-funding/"},{"number":29,"area_id":"A029","title":"Business operating debts","scope":"Vendors, trade, rent/leases, payroll/benefits, deposits/refunds, chargebacks, taxes, supplier disputes, professionals.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Vendors, trade, rent/leases, payroll/benefits, deposits/refunds, chargebacks, taxes, supplier disputes, professionals."],"url":"/topics/business-operating-debts/"},{"number":30,"area_id":"A030","title":"Specialized borrowing and claims","scope":"Farm/agricultural, commercial property, construction/projects, trade/export, margin/securities-backed, premium financing, litigation/inheritance advances, casino credit.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Farm/agricultural, commercial property, construction/projects, trade/export, margin/securities-backed, premium financing, litigation/inheritance advances, casino credit."],"url":"/topics/specialized-borrowing-and-claims/"},{"number":31,"area_id":"A031","title":"Borderline contingent and mislabeled debt","scope":"Retirement/policy loans, earned-wage access, home-equity investments, undrawn lines, uncalled guarantees, sales, future payments, fabricated/released/discharged claims.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Retirement/policy loans, earned-wage access, home-equity investments, undrawn lines, uncalled guarantees, sales, future payments, fabricated/released/discharged claims."],"url":"/topics/borderline-contingent-and-mislabeled-debt/"},{"number":32,"area_id":"A032","title":"Repaying without a formal program","scope":"Snowball, avalanche, highest-risk-first, minimums, scheduling, extra payments, budget/income, emergency reserves.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Snowball, avalanche, highest-risk-first, minimums, scheduling, extra payments, budget/income, emergency reserves."],"url":"/topics/repaying-without-a-formal-program/"},{"number":33,"area_id":"A033","title":"Direct creditor hardship","scope":"Rates, fee waivers, temporary reductions, extensions, deferment, forbearance, re-aging, modifications, applications.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Rates, fee waivers, temporary reductions, extensions, deferment, forbearance, re-aging, modifications, applications."],"url":"/topics/direct-creditor-hardship/"},{"number":34,"area_id":"A034","title":"Counseling and debt management plans","scope":"Assessments, participation, distribution, concessions, fees, closures, restrictions, completion/cancellation, nonprofit/for-profit.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Assessments, participation, distribution, concessions, fees, closures, restrictions, completion/cancellation, nonprofit/for-profit."],"url":"/topics/counseling-and-debt-management-plans/"},{"number":35,"area_id":"A035","title":"Consolidation and refinancing","scope":"Personal loans, transfers/refinancing, qualification, collateral, fees, promotions, total interest, term, repeat borrowing.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Personal loans, transfers/refinancing, qualification, collateral, fees, promotions, total interest, term, repeat borrowing."],"url":"/topics/consolidation-and-refinancing/"},{"number":36,"area_id":"A036","title":"Using assets or other borrowing","scope":"Savings, sales, family help, equity, retirement loans/withdrawals, insurance loans; tax, lost assets, collateral, repayment.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Savings, sales, family help, equity, retirement loans/withdrawals, insurance loans","Explain and verify: tax, lost assets, collateral, repayment."],"url":"/topics/using-assets-or-other-borrowing/"},{"number":37,"area_id":"A037","title":"Assistance waivers and forgiveness","scope":"Hospital, utilities/rent, benefits, education, tax, public/charitable relief, eligibility, application routes.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Hospital, utilities/rent, benefits, education, tax, public/charitable relief, eligibility, application routes."],"url":"/topics/assistance-waivers-and-forgiveness/"},{"number":38,"area_id":"A038","title":"Consumer bankruptcy","scope":"Chapters 7/13, eligibility/means, exemptions/stay, trustees, plans, secured/priority claims, discharge exceptions, costs, dismissal/repeat, credit.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Chapters 7/13, eligibility/means, exemptions/stay, trustees, plans, secured/priority claims, discharge exceptions, costs, dismissal/repeat, credit."],"url":"/topics/consumer-bankruptcy/"},{"number":39,"area_id":"A039","title":"Business restructuring and insolvency","scope":"Workouts, forbearance, extensions, composition, chapters 7/11, Subchapter V, chapter 12, receivers, assignments, closure, guarantees.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Workouts, forbearance, extensions, composition, chapters 7/11, Subchapter V, chapter 12, receivers, assignments, closure, guarantees."],"url":"/topics/business-restructuring-and-insolvency/"},{"number":40,"area_id":"A040","title":"Mixed solutions and no affordable payment","scope":"Multiple debt remedies, essentials, protected income, collection exposure, temporary hardship, persistent insolvency, legal assessment.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Multiple debt remedies, essentials, protected income, collection exposure, temporary hardship, persistent insolvency, legal assessment."],"url":"/topics/mixed-solutions-and-no-affordable-payment/"},{"number":41,"area_id":"A041","title":"Settlement fundamentals and suitability","scope":"Principal reduction, eligibility/exclusions, funds, account status, participation, alternatives, uncertainty, unsuitability.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Principal reduction, eligibility/exclusions, funds, account status, participation, alternatives, uncertainty, unsuitability."],"url":"/topics/settlement-fundamentals-and-suitability/"},{"number":42,"area_id":"A042","title":"DIY settlement and hired help","scope":"Direct negotiation, settlement companies, consumer attorneys, legal aid, limited/full representation, costs, responsibility, boundaries.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Direct negotiation, settlement companies, consumer attorneys, legal aid, limited/full representation, costs, responsibility, boundaries."],"url":"/topics/diy-settlement-and-hired-help/"},{"number":43,"area_id":"A043","title":"Settlement preparation","scope":"Verification, account records, hardship, ownership, income/expenses/assets, available funds, authority, proceedings.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Verification, account records, hardship, ownership, income/expenses/assets, available funds, authority, proceedings."],"url":"/topics/settlement-preparation/"},{"number":44,"area_id":"A044","title":"Creditor and collector settlement policies","scope":"Original creditors, servicers, agencies, buyers, attorneys, authority, hardship, age, documents; distinguish observed policies from universal rights.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Original creditors, servicers, agencies, buyers, attorneys, authority, hardship, age, documents","Explain and verify: distinguish observed policies from universal rights."],"url":"/topics/creditor-and-collector-settlement-policies/"},{"number":45,"area_id":"A045","title":"Offers and negotiation","scope":"Initial/counteroffers, evidence, timing, escalation, rejected offers, follow-up, multiple debts, public-information limits.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Initial/counteroffers, evidence, timing, escalation, rejected offers, follow-up, multiple debts, public-information limits."],"url":"/topics/offers-and-negotiation/"},{"number":46,"area_id":"A046","title":"Lump sum and installment settlements","scope":"Funding, schedules, interest, missed payments, default, reinstated balances, partial performance.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Funding, schedules, interest, missed payments, default, reinstated balances, partial performance."],"url":"/topics/lump-sum-and-installment-settlements/"},{"number":47,"area_id":"A047","title":"Settlement fees and actual financial results","scope":"Enrolled-balance/savings fees, account/legal charges, balance growth, taxes, total payments, net savings, applicable TSR/state rules.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Enrolled-balance/savings fees, account/legal charges, balance growth, taxes, total payments, net savings, applicable TSR/state rules."],"url":"/topics/settlement-fees-and-actual-financial-results/"},{"number":48,"area_id":"A048","title":"Dedicated accounts and funding","scope":"Ownership, administrators, deposits, withdrawals, creditor payments, earned fees, reconciliation, commitments, refunds, failed deposits, insurance scope.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Ownership, administrators, deposits, withdrawals, creditor payments, earned fees, reconciliation, commitments, refunds, failed deposits, insurance scope."],"url":"/topics/dedicated-accounts-and-funding/"},{"number":49,"area_id":"A049","title":"Written settlement agreements","scope":"Parties/account, amount/dates/method, balance extinguishment, release, guarantees, reporting, assignment, collection, breach.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Parties/account, amount/dates/method, balance extinguishment, release, guarantees, reporting, assignment, collection, breach."],"url":"/topics/written-settlement-agreements/"},{"number":50,"area_id":"A050","title":"Settlement during or after litigation","scope":"Pending deadlines, counsel, dismissals, consent/stipulated judgment, payments, satisfaction, lien releases.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Pending deadlines, counsel, dismissals, consent/stipulated judgment, payments, satisfaction, lien releases."],"url":"/topics/settlement-during-or-after-litigation/"},{"number":51,"area_id":"A051","title":"Settlement completion records","scope":"Offer versus paid completion, receipts, statements, zero balance, releases, credit updates, tax forms, retention.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Offer versus paid completion, receipts, statements, zero balance, releases, credit updates, tax forms, retention."],"url":"/topics/settlement-completion-records/"},{"number":52,"area_id":"A052","title":"Failure cancellation and provider switching","scope":"Missed funds, broken agreements, refusal, withdrawal, fees/refunds, balances, shutdowns, records, unresolved accounts.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Missed funds, broken agreements, refusal, withdrawal, fees/refunds, balances, shutdowns, records, unresolved accounts."],"url":"/topics/failure-cancellation-and-provider-switching/"},{"number":53,"area_id":"A053","title":"Settlement outcomes and claims","scope":"Settlement/completion/dropout rates, first/full-resolution time, unresolved accounts, lawsuits, net savings, all-enrollee denominators.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Settlement/completion/dropout rates, first/full-resolution time, unresolved accounts, lawsuits, net savings, all-enrollee denominators."],"url":"/topics/settlement-outcomes-and-claims/"},{"number":54,"area_id":"A054","title":"Collection industry and ownership","scope":"Creditors, servicers, agencies, buyers, counsel, sales/assignments, recalls, chain, collection authority.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Creditors, servicers, agencies, buyers, counsel, sales/assignments, recalls, chain, collection authority."],"url":"/topics/collection-industry-and-ownership/"},{"number":55,"area_id":"A055","title":"Debt validation and disputes","scope":"Notices, information, ownership/amount, identity, duplicates, paid debt, identity theft, requests, deadlines, consequences.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Notices, information, ownership/amount, identity, duplicates, paid debt, identity theft, requests, deadlines, consequences."],"url":"/topics/debt-validation-and-disputes/"},{"number":56,"area_id":"A056","title":"Collection communications and harassment","scope":"Calls/letters/text/email/social media, workplace/third parties, preferences, cease contact, threats, abuse, records, Regulation F exceptions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Calls/letters/text/email/social media, workplace/third parties, preferences, cease contact, threats, abuse, records, Regulation F exceptions."],"url":"/topics/collection-communications-and-harassment/"},{"number":57,"area_id":"A057","title":"Old debt and limitation periods","scope":"Accrual, governing law, time bar, revival/acknowledgment, partial payment, judgments, reporting versus lawsuit clocks.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Accrual, governing law, time bar, revival/acknowledgment, partial payment, judgments, reporting versus lawsuit clocks."],"url":"/topics/old-debt-and-limitation-periods/"},{"number":58,"area_id":"A058","title":"Responding to lawsuits","scope":"Summons/complaint, service, jurisdiction/venue, response deadlines, forms, filing, hearings/remote, legal help.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Summons/complaint, service, jurisdiction/venue, response deadlines, forms, filing, hearings/remote, legal help."],"url":"/topics/responding-to-lawsuits/"},{"number":59,"area_id":"A059","title":"Lawsuit evidence and defenses","scope":"Standing, assignment, records, arithmetic/history, limitations, theft, discharge, prior settlement, discovery, evidentiary rules.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Standing, assignment, records, arithmetic/history, limitations, theft, discharge, prior settlement, discovery, evidentiary rules."],"url":"/topics/lawsuit-evidence-and-defenses/"},{"number":60,"area_id":"A060","title":"Arbitration mediation and court resolution","scope":"Clauses, rights, mediation, conferences, costs/procedure, enforcement, review/appeal.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Clauses, rights, mediation, conferences, costs/procedure, enforcement, review/appeal."],"url":"/topics/arbitration-mediation-and-court-resolution/"},{"number":61,"area_id":"A061","title":"Default judgments and duration","scope":"Failure to respond, service defects, vacatur, interest, renewal/expiration, satisfaction, records.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Failure to respond, service defects, vacatur, interest, renewal/expiration, satisfaction, records."],"url":"/topics/default-judgments-and-duration/"},{"number":62,"area_id":"A062","title":"Garnishment levies and setoff","scope":"Judicial/administrative, employers, frozen/joint accounts, exemptions/objections, same-institution rights, debt-specific exceptions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Judicial/administrative, employers, frozen/joint accounts, exemptions/objections, same-institution rights, debt-specific exceptions."],"url":"/topics/garnishment-levies-and-setoff/"},{"number":63,"area_id":"A063","title":"Liens foreclosure and repossession","scope":"Judgment/tax liens, foreclosure, repossession, redemption/reinstatement, sales/deficiency, lien releases.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Judgment/tax liens, foreclosure, repossession, redemption/reinstatement, sales/deficiency, lien releases."],"url":"/topics/liens-foreclosure-and-repossession/"},{"number":64,"area_id":"A064","title":"Protected income and property","scope":"Wages, Social Security/SSI/VA, retirement/homestead/property, claiming exemptions, creditor/debt distinctions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Wages, Social Security/SSI/VA, retirement/homestead/property, claiming exemptions, creditor/debt distinctions."],"url":"/topics/protected-income-and-property/"},{"number":65,"area_id":"A065","title":"Federal legal framework","scope":"FDCPA/Reg F, FCRA, TILA, ECOA, EFTA, bankruptcy, TSR, unfair/deceptive practices, military protections, scope/exceptions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: FDCPA/Reg F, FCRA, TILA, ECOA, EFTA, bankruptcy, TSR, unfair/deceptive practices, military protections, scope/exceptions."],"url":"/topics/federal-legal-framework/"},{"number":66,"area_id":"A066","title":"State local territorial and tribal rules","scope":"All 50 states and DC: licensing, fees, interest, debt adjustment/collection, limitation/revival, exemptions, foreclosure/repo, courts/remedies; territories/tribal legal boundaries with gaps explicit.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: All 50 states and DC: licensing, fees, interest, debt adjustment/collection, limitation/revival, exemptions, foreclosure/repo, courts/remedies","Explain and verify: territories/tribal legal boundaries with gaps explicit."],"url":"/topics/state-local-territorial-and-tribal-rules/"},{"number":67,"area_id":"A067","title":"Taxes after cancellation","scope":"COD income, 1099-C/982, insolvency, bankruptcy, tax attributes, joint/state/business debt, foreclosure/repo, current-year transitions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: COD income, 1099-C/982, insolvency, bankruptcy, tax attributes, joint/state/business debt, foreclosure/repo, current-year transitions."],"url":"/topics/taxes-after-cancellation/"},{"number":68,"area_id":"A068","title":"Credit reports and scoring","scope":"Payment/utilization, collections/charge-offs/settled/paid, dates/periods, scoring model differences, underwriting.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Payment/utilization, collections/charge-offs/settled/paid, dates/periods, scoring model differences, underwriting."],"url":"/topics/credit-reports-and-scoring/"},{"number":69,"area_id":"A069","title":"Credit disputes and repair claims","scope":"Balances/duplicates/mixed files/theft/obsolete data, reinvestigation/furnishers, freezes/alerts, unsupported deletion guarantees.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Balances/duplicates/mixed files/theft/obsolete data, reinvestigation/furnishers, freezes/alerts, unsupported deletion guarantees."],"url":"/topics/credit-disputes-and-repair-claims/"},{"number":70,"area_id":"A070","title":"Complaints enforcement and remedies","scope":"Regulators, AGs, licensing, ombudsmen, legal aid/attorneys, litigation/class actions, restitution, misconduct evidence.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Regulators, AGs, licensing, ombudsmen, legal aid/attorneys, litigation/class actions, restitution, misconduct evidence."],"url":"/topics/complaints-enforcement-and-remedies/"},{"number":71,"area_id":"A071","title":"Marriage divorce death and inheritance","scope":"Community property, joint debts, divorce orders, estates/survivors/heirs, liens, cosigners/executors; jurisdiction differences.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Community property, joint debts, divorce orders, estates/survivors/heirs, liens, cosigners/executors","Explain and verify: jurisdiction differences."],"url":"/topics/marriage-divorce-death-and-inheritance/"},{"number":72,"area_id":"A072","title":"Service contracts consent and privacy","scope":"Enrollment, cancellation, e-signatures, POA, data sharing, leads, marketing, recording, privacy, representation/UPL.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Enrollment, cancellation, e-signatures, POA, data sharing, leads, marketing, recording, privacy, representation/UPL."],"url":"/topics/service-contracts-consent-and-privacy/"},{"number":73,"area_id":"A073","title":"Job loss and unstable income","scope":"Unemployment, reduced hours, seasonal/gig/self-employed/commission, business failure, recovery, uncertainty.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Unemployment, reduced hours, seasonal/gig/self-employed/commission, business failure, recovery, uncertainty."],"url":"/topics/job-loss-and-unstable-income/"},{"number":74,"area_id":"A074","title":"Illness disability care and disasters","scope":"Temporary/permanent disability, illness, caregiving, bereavement/divorce, fire/flood/displacement, insurance delays, assistance.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Temporary/permanent disability, illness, caregiving, bereavement/divorce, fire/flood/displacement, insurance delays, assistance."],"url":"/topics/illness-disability-care-and-disasters/"},{"number":75,"area_id":"A075","title":"Older adults and benefit recipients","scope":"Fixed incomes, retirement borrowing, medical debt, reverse mortgages, protected benefits, cognition/exploitation, paperwork.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Fixed incomes, retirement borrowing, medical debt, reverse mortgages, protected benefits, cognition/exploitation, paperwork."],"url":"/topics/older-adults-and-benefit-recipients/"},{"number":76,"area_id":"A076","title":"Military veterans and families","scope":"Deployment, SCRA/MLA, benefits/overpayments, clearances, legal assistance, civilian transition; no blanket clearance promises.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Deployment, SCRA/MLA, benefits/overpayments, clearances, legal assistance, civilian transition","Explain and verify: no blanket clearance promises."],"url":"/topics/military-veterans-and-families/"},{"number":77,"area_id":"A077","title":"Students young adults couples and parents","scope":"First/thin credit, student/parent loans, shared finance, unequal burdens, childcare, helping relatives/guarantees.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: First/thin credit, student/parent loans, shared finance, unequal burdens, childcare, helping relatives/guarantees."],"url":"/topics/students-young-adults-couples-and-parents/"},{"number":78,"area_id":"A078","title":"Underserved audiences and access","scope":"Language/disability/rural/tribal, immigrants, unbanked/homeless/formerly incarcerated, access and concrete assistance.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Language/disability/rural/tribal, immigrants, unbanked/homeless/formerly incarcerated, access and concrete assistance."],"url":"/topics/underserved-audiences-and-access/"},{"number":79,"area_id":"A079","title":"Abuse fraud and addiction related debt","scope":"Coerced debt, partner/elder abuse, theft/forgery, gambling/spending, scams, safe records and assistance.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Coerced debt, partner/elder abuse, theft/forgery, gambling/spending, scams, safe records and assistance."],"url":"/topics/abuse-fraud-and-addiction-related-debt/"},{"number":80,"area_id":"A080","title":"Debt psychology and behavior","scope":"Shame/avoidance/anxiety, literacy/pressure/fatigue, minimum anchoring, optimism, household conflict, motivation/completion barriers.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Shame/avoidance/anxiety, literacy/pressure/fatigue, minimum anchoring, optimism, household conflict, motivation/completion barriers."],"url":"/topics/debt-psychology-and-behavior/"},{"number":81,"area_id":"A081","title":"Provider research and comparison","scope":"Settlement/counseling/law/consolidation/tax/student/medical providers; ownership, availability, fees/contracts/complaints/outcomes with methodology.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Settlement/counseling/law/consolidation/tax/student/medical providers","Explain and verify: ownership, availability, fees/contracts/complaints/outcomes with methodology."],"url":"/topics/provider-research-and-comparison/"},{"number":82,"area_id":"A082","title":"Business models and incentives","scope":"Fees, commissions, creditor contributions, attorney/affiliate/referral arrangements, lead generation/resale, recommendation conflicts.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Fees, commissions, creditor contributions, attorney/affiliate/referral arrangements, lead generation/resale, recommendation conflicts."],"url":"/topics/business-models-and-incentives/"},{"number":83,"area_id":"A083","title":"Service operations and technology","scope":"Intake/suitability/enrollment, verification, negotiations/payments/service/complaints/legal referral, staff/vendors/security/continuity.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Intake/suitability/enrollment, verification, negotiations/payments/service/complaints/legal referral, staff/vendors/security/continuity."],"url":"/topics/service-operations-and-technology/"},{"number":84,"area_id":"A084","title":"History ethics and public policy","scope":"Collection/relief history, reforms/enforcement, discriminatory/predatory credit, medical/student policy, buyers, charitable cancellation, forgiveness debates.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Collection/relief history, reforms/enforcement, discriminatory/predatory credit, medical/student policy, buyers, charitable cancellation, forgiveness debates."],"url":"/topics/history-ethics-and-public-policy/"},{"number":85,"area_id":"A085","title":"Research quality and outcomes","scope":"Independent/industry funding, selection/missingness/dropout bias, success definitions, fees/taxes/unresolved, comparison groups, long-term effects.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Independent/industry funding, selection/missingness/dropout bias, success definitions, fees/taxes/unresolved, comparison groups, long-term effects."],"url":"/topics/research-quality-and-outcomes/"},{"number":86,"area_id":"A086","title":"Statistics and economy","scope":"Balances/delinquency/default/collection/bankruptcy, rates/employment/inflation/standards, age/geography/income/race/product, dates/denominators.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Balances/delinquency/default/collection/bankruptcy, rates/employment/inflation/standards, age/geography/income/race/product, dates/denominators."],"url":"/topics/statistics-and-economy/"},{"number":87,"area_id":"A087","title":"Decision guides and visitor pathways","scope":"Cannot pay, collector letter, lawsuit, garnishment, wrong debt, completion; document-based routing and stop/urgent conditions.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Cannot pay, collector letter, lawsuit, garnishment, wrong debt, completion","Explain and verify: document-based routing and stop/urgent conditions."],"url":"/topics/decision-guides-and-visitor-pathways/"},{"number":88,"area_id":"A088","title":"Calculators and comparison tools","scope":"Payoff/interest/minimums, avalanche/snowball, consolidation/transfers, settlement/net savings/affordability, garnishment/tax scenarios, assumptions/limits.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Payoff/interest/minimums, avalanche/snowball, consolidation/transfers, settlement/net savings/affordability, garnishment/tax scenarios, assumptions/limits."],"url":"/topics/calculators-and-comparison-tools/"},{"number":89,"area_id":"A089","title":"Letters scripts forms and checklists","scope":"Hardship, disputes/validation, offers/agreement review, complaints, aid, phone scripts, logs, completion, state-dependent court forms.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Hardship, disputes/validation, offers/agreement review, complaints, aid, phone scripts, logs, completion, state-dependent court forms."],"url":"/topics/letters-scripts-forms-and-checklists/"},{"number":90,"area_id":"A090","title":"Directories of legitimate help","scope":"Legal aid, consumer counsel, court self-help, credit/housing counseling, hospitals, tax clinics, military, regulators, local emergency support.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Legal aid, consumer counsel, court self-help, credit/housing counseling, hospitals, tax clinics, military, regulators, local emergency support."],"url":"/topics/directories-of-legitimate-help/"},{"number":91,"area_id":"A091","title":"Creditor collector and buyer profiles","scope":"Official contacts, ownership/service, hardship, complaint routes, documented negotiation, litigation, authentication; no fabricated settlement percentages.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Official contacts, ownership/service, hardship, complaint routes, documented negotiation, litigation, authentication","Explain and verify: no fabricated settlement percentages."],"url":"/topics/creditor-collector-and-buyer-profiles/"},{"number":92,"area_id":"A092","title":"Life after resolution","scope":"Remaining liabilities, records/credit, savings/sustainable borrowing, housing/mortgage/vehicle/insurance, recurrence, renewed collection.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Remaining liabilities, records/credit, savings/sustainable borrowing, housing/mortgage/vehicle/insurance, recurrence, renewed collection."],"url":"/topics/life-after-resolution/"},{"number":93,"area_id":"A093","title":"Research and editorial standards","scope":"Authority/expert review, jurisdiction/date/update/correction, methods/calculators/provider reviews, disclosures, conflicts/accessibility, fact versus estimate.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Authority/expert review, jurisdiction/date/update/correction, methods/calculators/provider reviews, disclosures, conflicts/accessibility, fact versus estimate."],"url":"/topics/research-and-editorial-standards/"},{"number":94,"area_id":"A094","title":"Corporate debt and capital structure","scope":"Bonds/notes/debentures/commercial paper/syndication/private credit, security/subordination/covenants, distressed exchange/equity swap, committees/recoveries.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Bonds/notes/debentures/commercial paper/syndication/private credit, security/subordination/covenants, distressed exchange/equity swap, committees/recoveries."],"url":"/topics/corporate-debt-and-capital-structure/"},{"number":95,"area_id":"A095","title":"Financial market and institutional debt","scope":"Securitization/MBS/ABS, bank deposits/funding/repos/interbank, insurer/pension liabilities, derivative payables, financial-institution resolution.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Securitization/MBS/ABS, bank deposits/funding/repos/interbank, insurer/pension liabilities, derivative payables, financial-institution resolution."],"url":"/topics/financial-market-and-institutional-debt/"},{"number":96,"area_id":"A096","title":"Government and sovereign borrowing","scope":"Municipal/public authority/national, domestic/external, sustainability/default/negotiation/restructuring/CAC/official creditors/municipal insolvency.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Municipal/public authority/national, domestic/external, sustainability/default/negotiation/restructuring/CAC/official creditors/municipal insolvency."],"url":"/topics/government-and-sovereign-borrowing/"},{"number":97,"area_id":"A097","title":"Consumer debt outside the US","scope":"Country-specific products, collection, repayment/insolvency, reporting/limitation, regulators/advisers; document country register and explicit unresearched countries.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Country-specific products, collection, repayment/insolvency, reporting/limitation, regulators/advisers","Explain and verify: document country register and explicit unresearched countries."],"url":"/topics/consumer-debt-outside-the-us/"},{"number":98,"area_id":"A098","title":"Cross border debt and insolvency","scope":"Moving abroad, foreign creditors/currency/law/jurisdiction/judgments/enforcement/assets, multinational restructuring/recognition.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Moving abroad, foreign creditors/currency/law/jurisdiction/judgments/enforcement/assets, multinational restructuring/recognition."],"url":"/topics/cross-border-debt-and-insolvency/"},{"number":99,"area_id":"A099","title":"Islamic and alternative financing","scope":"Deferred sale/lease/partnership/qard/sukuk, payment rights/late treatment/restructuring, debt versus equity, country and structure differences.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Deferred sale/lease/partnership/qard/sukuk, payment rights/late treatment/restructuring, debt versus equity, country and structure differences."],"url":"/topics/islamic-and-alternative-financing/"},{"number":100,"area_id":"A100","title":"Emerging products and debt technology","scope":"Digital asset/DeFi/platform borrowing/deficits, embedded/subscription/wage credit, AI negotiation/collections/underwriting, open banking/security, legal changes.","baseline_date":"2026-10-22","jurisdiction":"US unless explicitly international","seed_questions":["Explain and verify: Digital asset/DeFi/platform borrowing/deficits, embedded/subscription/wage credit, AI negotiation/collections/underwriting, open banking/security, legal changes."],"url":"/topics/emerging-products-and-debt-technology/"}],"counts":{"tables":6379,"claims":24511,"sources":10851,"coverage":24695},"saved_reports":517,"current_assignments":231,"original_hashes_checked":1551,"skipped_sensitive_pattern_records":[],"limits":"Saved research includes supplements and revisions. Record counts are not counts of independently verified facts. Scoped review does not establish complete current-law, jurisdiction or individual application acceptance."}