{"meta":{"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},"markdown":"# SettleADebt C_BR PASS-01 — Brazil\n\nNarrow provider-capacity gateway — publication holdResearch baseline: October 22, 2026, America/Los_Angeles\nActual primary-source research: October 26, 2026, approximately 16:54–17:00 PDT (23:54–00:00 UTC).\nScope: Brazilian law governing the capacity in which a service provider may advise, negotiate, represent, or handle money for debtors. No broad-country launch, provider approval, or cross-border authorization is implied.\n\n## Executive determination\n\nBrazil has several distinct legal routes and restrictions relevant to a debtor-paid debt consultancy. A single, general-purpose “Brazilian debt settlement licence” cannot be established from the federal materials examined. That is a bounded research finding—not proof that an independently operating debt consultancy is universally unrestricted or that no state, municipal, professional, financial, or activity-specific requirement applies.\n\nThe governing distinction is what the person or business actually does.\n\n| Activity | Narrow gateway finding | Status |\n| --- | --- | --- |\n| General budgeting and financial education | Potentially ordinary nonlegal services; paid consumer-facing services may fall under the Código de Defesa do Consumidor (CDC). | Federal basis identified |\n| Operational negotiation with a creditor on a debtor’s instructions | The Civil Code recognizes mandato, but settlement authority requires appropriate powers. This does not authorize reserved legal advice. | Conditional |\n| Individualized Brazilian legal advice or judicial representation | Professional restrictions under the Estatuto da Advocacia, Law 8.906/1994, apply. | Restriction established |\n| Nonprofit debt assistance | Nonprofit status does not itself confer legal-practice, payment-services, or judicial powers. | Capacity-specific |\n| Public consumer conciliation and Defensoria services | Statutory public functions exist, subject to the competent body's role and eligibility. | Public mandate identified |\n| Acting for a bank as a correspondente no País | A separately regulated, institution-contracted relationship; not inherently an authorization to represent debtors independently. | Regulated category |\n| Receiving and distributing debtor payments | Requires separate classification under mandate/custody, banking, payment-services and potentially other rules. | Unresolved |\n| Foreign remote advice into Brazil | Brazilian professional, consumer and data-protection connections may arise; foreign credentials do not create a blanket passport. | Further analysis required |\n\nThe three most consequential source-backed boundaries are:\n\n1. Legal work: Law 8.906/1994, arts. 1(I–II), 3–5, reserves specified advocacy activities, including consultoria, assessoria e direção jurídicas, to the legally qualified profession. planalto.gov.brplanalto.gov.br\n\n2. Ordinary agency: Civil Code arts. 653–663 recognize representation by mandato. Article 661 §1 requires special and express authority for transigir—settling or compromising rights. This ordinary agency mechanism is not an exemption from professional regulation. planalto.gov.br\n\n3. Public superindebtedness procedure: CDC arts. 54-A and 104-A–104-C establish particular consumer processes and institutional roles. They do not appoint every commercial negotiator as a public conciliator, require all creditors to offer voluntary discounts, or make the procedure available to every debtor and debt type. planalto.gov.brplanalto.gov.brplanalto.gov.br\n\nThe remaining dossier separates findings supported by fully opened operative texts from source-access limitations, gives the actor/capacity classifications, and records every requested territorial and deferred-topic row.\n\n## A–C. Substantive legal perimeter\n\nThe classifications below are conditional. They answer what kind of activity a hypothetical provider may be performing; they do not certify any actual business as permitted to operate.\n\n### A. The controlling distinction is the activity, not the business label\n\nC_BR-P01-C001 — Legislative competence. Brazil’s Constitution allocates civil, commercial and financial-system legislation principally to the Union; consumer protection also involves concurrent federal/state/Distrito Federal powers, while municipalities have local and supplementary competence. A nationwide private-service proposition therefore cannot be decided solely by finding—or failing to find—a single federal debt-adviser licence. Constitution arts. 22(I), 22(VII), 22(XVI), 24(V), 24(VIII), 30(I)–(II). planalto.gov.br+2\n\nC_BR-P01-C002 — Consumer versus business debtor. Under the Código de Defesa do Consumidor (CDC), a consumidor can be an individual or legal entity that is the final recipient of a product or service. Whether a natural-person proprietor, MEI, company or guarantor qualifies depends on the actual transaction, not merely their name or registration. The CDC’s special superendividamento definition is narrower: it expressly concerns a good-faith natural-person consumer. CDC arts. 2, 3 and 54-A §1. planalto.gov.br+1\n\nC_BR-P01-C003 — Debtor-paid service. A compensated commercial adviser can fall within the CDC’s supplier/service framework. The provider must separately consider clear information, misleading or abusive practices, service responsibility and contracts; a “free consultation” followed by a paid service does not establish an exemption. The precise fees, cancellation rights and remedies of a proposed engagement remain outside this gateway. CDC arts. 3 §2, 6(III)–(IV), 14 and 46–49. planalto.gov.br+3\n\nC_BR-P01-C004–C006 — Ordinary mandato is not an occupational licence. The Civil Code recognizes mandato: one person receives powers to perform acts or administer interests on another’s behalf (art. 653). The mandate may be paid or unpaid, depending on the circumstances (art. 658). General wording ordinarily permits administration; to settle or compromise (transigir), the representative needs poderes especiais e expressos—specific, express powers (art. 661 §1). Acts exceeding authority may be ineffective against the principal unless ratified (art. 662). Acting in one’s own name changes liability analysis (art. 663). None of those provisions overrides lawyers’ reserved work, regulated financial services, payment rules, or a creditor’s right to reject a proposal. planalto.gov.br\n\nC_BR-P01-C007–C010 — Legal-practice boundary. The Estatuto da Advocacia reserves consultoria, assessoria e direção jurídicas to advocacy, and generally limits lawyer practice to properly registered persons (Lei 8.906/1994 arts. 1(I)–(II), 3–5). The act of advising whether a claim is enforceable, pleading a defense or choosing a litigation position differs materially from calculating a budget or transmitting a client-approved payment proposal. Actual court postulação is governed additionally by CPC arts. 103–105, subject to statutory exceptions; powers to settle, receive and discharge in a judicial mandate demand express wording under CPC art. 105. OAB professional admission, territorial registration and professional incompatibilities must be checked for the actual lawyer. planalto.gov.br+2\n\nC_BR-P01-C011 — Foreign-law professional. OAB Provimento 91/2000, arts. 1–2, provides a particular route for a qualified foreign-law professional practicing consultoria em direito estrangeiro in Brazil, through an OAB sectional authorization restricted to the relevant foreign law. It does not authorize consultation on Brazilian law or Brazilian court representation. This provision is not proof that every foreign company offering remote household-budget education must obtain that status; the place and character of the professional acts must be established first. Conselho Federal\n\nC_BR-P01-C012–C014 — Other professional councils are material. Lei 6.839/1980 art. 1 connects company/professional council registration to the entity’s atividade básica or the nature of services supplied to third parties. Lei 4.769/1965 arts. 2–3 covers specified professional administration work, including administração financeira, and Lei 1.411/1951 arts. 1, 6 and 14 covers the economics profession and businesses carrying on technical economic/financial services. Consequently, one must test a genuine technical financial-administration/economic-consultancy offering against CRA/CORECON rules. These enactments do not prove that a simple personal household-budget worksheet, ordinary call scheduling, or every debtor negotiation is reserved professional work. The actual scripts, deliverables, economic substance and regional council interpretation matter. planalto.gov.br+2\n\nC_BR-P01-C015–C018 — Financial, payment and AML branches. Lei 4.595/1964 arts. 17–18 governs activities characteristic of instituições financeiras, including financial resources, intermediation/application and custody, subject to Banco Central authorization where the conditions apply. Lei 12.865/2013 art. 6 defines instituição de pagamento by payment-account, transfer, remittance and related functions, with Banco Central regulatory powers in art. 9. A company taking periodic payments into its own account and remitting them to creditors requires a distinct characterization; calling the account “client trust” or describing its conduct as “debt advice” supplies no exemption. Lei 9.613/1998 arts. 9–11 also imposes AML controls on specified financial activities and advisers involved in listed transactions, not automatically on all household-budget educators. planalto.gov.br+2\n\nC_BR-P01-C019–C022 — Status of adjacent registrations. COAF Resolution 34/2020 expressly revoked the older adviser-specific Resolution 24/2013; that old instrument is not current permission guidance. COAF’s current supervision and registration pages describe activity-specific obligations, not a general “debt negotiator licence.” CMN Resolution 4.935/2021 addresses institutional correspondentes no País under contracts with regulated institutions, a creditor/institution-side capacity that cannot simply be transferred to an independent debtor agent. An indexed current BCB text indicates later amendments. BCB Resolution 494/2025 also appears to have materially changed payment-institution authorization/transitions. The dynamic full bodies of these last two BCB instruments could not be opened: final conclusions on correspondent conditions or payment exemptions are on hold pending their operative consolidated texts. gov.br+4\n\n### B. Actor/activity/capacity matrix\n\n“Potential” means the cited legal class exists; it does not mean the hypothetical provider has met all of its requirements.\n\n| Actor and side | Remuneration, authority and competent body | Controlling condition and adverse branch | Claims |\n| --- | --- | --- | --- |\n| Independent commercial adviser acting for debtor | Debtor fee possible under ordinary service/mandato framework; contract and actual powers must be tested | Budget and administrative negotiation may differ from Brazilian legal advice; express transigir power for settlement; CDC and professional-council tests remain | C003–C008, C012–C014 |\n| Nonprofit/association, debtor side | Free or subsidized work is possible as an organizational form, not a universal permission | Legal advice can still be reserved; professional, financial, payment, data and consumer consequences depend on conduct | C003, C007, C012–C018 |\n| Public Procon/SNDC body | Official consumer-protection or conciliation mandate, not a commercial badge | Competence and local procedures arise from public law; a private provider cannot appropriate agency status | C023, C029–C030 |\n| Defensoria Pública | Statutory public legal-assistance function for its qualifying audience; professional authority associated with public office | Not delegable to an unrelated private operator by advertising “Defensoria-style” assistance | C024 |\n| Advogado acting for debtor | OAB admission and applicable court mandate; private fees otherwise require separate review | Can carry out reserved legal acts within competence; OAB badge does not itself grant payment-institution authorization | C007–C011, C027 |\n| Administrator/economist offering technical financial services | CRA/CORECON professional and company registration are conditional on substantive regulated work and its atividade básica | A diploma or isolated credential does not automatically cover law practice, lending or payment operations | C012–C014 |\n| Bank/regulated lender, own or outsourced institutional activity | Financial regulatory authorization and product-specific supervision by BCB/CMN | Authorization for banking is not authorization for an unrelated private debt-settlement firm | C015, C021 |\n| Bank correspondente, institution side | Contract with participating institution; 4.935 full-current-text validation pending | Serves institutional tasks, not an independently assumed debtor fiduciary role; referral/certification terms need operative validation | C021 |\n| Fintech/referral/software provider | Classify each feature: information-only, credit proposal, payment execution or regulated intermediation | The word “software” cannot immunize a firm that actually handles funds, credit or legal advice | C015–C018, C021–C022 |\n| Creditor collecting own receivable | Acting as claim owner; ordinary creditor authority and consumer treatment still matter | Owning a claim is different from serving the debtor as a paid independent adviser | C003, C047 |\n| Collector/servicer for creditor | Actual creditor appointment or servicing contract; related regulatory/professional characterization depends on acts | Authority to negotiate for creditor does not establish authority to compromise for debtor | C004–C006, C047 |\n| Purchaser of receivables | Claim acquisition documents and financial/factoring characterization needed | Purchaser takes its own-claim risk; if also supplying technical credit-management services, separate council/AML issues may arise | C014, C018, C040, C047 |\n| Payment institution or debtor-funds distributor | BCB payment and/or financial permission depends on real flows, relevant current rules and exemptions | Periodic custody, payment accounts, transfers and remittance cannot be decided by label; current resolution body pending | C015–C018, C022, C044 |\n| Extrajudicial neutral mediator | Lei 13.140/2015 art. 9 permits an appropriate capable person trusted by the parties, subject to neutrality | A partisan paid negotiator who advances only the debtor’s position should not advertise neutral mediator status | C025 |\n| Judicial conciliator/mediator | Court-center qualification, appointment/register and remuneration rules under CPC and Lei 13.140 | A private mediation course is not a judicial appointment | C026 |\n| Judicial administrator | Specific court appointment under applicable proceeding, including CDC art. 104-B or business insolvency law | No self-appointment or generic commercial debt-adviser entitlement | C030, C033 |\n\nSpecific authority for the public branches: CDC arts. 55, 104-A–C and 105; Decreto 2.181/1997 arts. 2–4; LC 80/1994 arts. 1 and 4; Lei 13.140/2015 arts. 1, 4, 9–13; CPC arts. 165–169; Lei 11.101/2005 arts. 1, 2 and 21. planalto.gov.br+5\n\n### C. Public-law gateway: superendividamento, proceedings and authority\n\nC_BR-P01-C023–C024. The Sistema Nacional de Defesa do Consumidor involves federal, state, Distrito Federal, municipal and qualifying civil bodies; these bodies’ oversight and assistance powers are not licences to private commercial advisers. Defensoria Pública has its own constitutional and statutory legal-assistance remit. Each public institution’s territorial jurisdiction, audience and intake procedures require a separate check. planalto.gov.br+2\n\nC_BR-P01-C025–C027. A mediator is an impartial third party, whereas a privately retained debtor negotiator ordinarily represents one side. Lei 13.140/2015 art. 9 treats extrajudicial mediators differently from judicial mediators, whose qualification, training and appointment rules appear in art. 11 and CPC arts. 165–169. Court postulação and powers to bind a litigant remain a separate question under CPC arts. 103–105. planalto.gov.br+2\n\nC_BR-P01-C028–C030. CDC art. 54-A §1 defines superendividamento by the good-faith natural-person consumer’s manifest inability to pay the totality of consumer debts, due and falling due, without compromising the mínimo existencial. Under art. 104-A, the court may establish a conciliation hearing presided over by a judge or accredited conciliator, with a proposed payment arrangement of up to five years; specified secured, real-estate-financing and rural-credit obligations, along with debts contracted fraudulently or in bad faith, are excluded from that process. Article 104-B supplies a potential subsequent judicial repactuação route and permits an appointed administrator. Article 104-C concerns preventive/public consumer conciliation. These are procedural gateways, not a duty imposed on every creditor in an ordinary private telephone negotiation, not a five-year promise by an adviser and not a guaranteed concession. planalto.gov.br+2\n\nC_BR-P01-C031–C032. Decreto 11.567/2023 amended Decreto 11.150/2022 so the published federal mínimo existencial amount reads R$600. On April 23, 2026, the STF reported a decision requiring annual CMN evaluation of the parameters and rejecting exclusion of crédito consignado instalments from protection of that minimum. The decree’s consolidated display and the STF press account must therefore be read together; the press report is not the dispositive text or proof that a later regulation has been made. No individual eligibility conclusion or numerical budgeting example follows from the R$600 figure here. The complete STF judgment, effects, subsequent compliance, amendments and any later CMN acts require validation. planalto.gov.br+2\n\nC_BR-P01-C033–C034. Recuperação judicial, recuperação extrajudicial and falência under Lei 11.101/2005 primarily address an empresário or sociedade empresária within that law’s scope; a court appoints a judicial administrator under art. 21. This cannot be recast as a universal natural-person consumer solution. CPC art. 1.052 also maintains a transitional connection to older civil-insolvency proceedings until special legislation; eligibility and procedure were not researched in this narrow provider gateway. planalto.gov.br+1\n\nC_BR-P01-C035–C037. LGPD art. 3 can attach to processing in Brazil or certain processing connected to offerings or individuals in Brazil, including a remotely operated service; this is a data-protection nexus, not a banking or OAB licence. A Receita Federal CNPJ/status record identifies tax-registration facts, not full occupational permission. For foreign advisers, the relevant facts are physical location of acts, target consumers, Brazilian-law advice, domestic staff/establishment, referral arrangements and every actual money movement. No foreign authorization passport was established. planalto.gov.br+3\n\nC_BR-P01-C038–C041. IBGE’s current official states endpoint returned 26 named states plus Distrito Federal, enumerated individually below. São Paulo’s PROCON service charter describes a Programa de Apoio ao Superendividado in cooperation with a judicial dispute-resolution centre; interestingly, its service audience extends to some MEI/ME/nonprofit applicants, which must not be confused with CDC art. 54-A’s statutory natural-person definition. CORECON-SP’s guidance separately distinguishes technical third-party credit management from mere own-account receivables purchasing. An official congressional act identifies MP 1.355/2026 as having lost effectiveness; it must not be treated as continuing programme authority. servicodados.ibge.gov.br+3\n\nC_BR-P01-C042–C048 — Qualified negative findings. Within the federal statutes, official regulators and OAB/professional bodies actually searched for this gateway, I did not establish a single dedicated, universal federal “paid debt negotiation adviser” authorization that covers all the activities in the user’s hypothetical. That is a bounded research result, not an opinion that any unnamed firm may open without registration, appointment, licensing, ordinary business compliance or local review. In particular:\n\n- No current universal debtor-adviser fee ceiling, earned-fee event, refund entitlement or governmental authorization charge was verified here (C043, C051).\n- Custody/title/safeguarding rules for a specific funds model are unresolved without the payment chain and current operative BCB rule text (C044).\n- Judicial settlements, receipts and discharge documents have separate express-powers requirements (C045).\n- The creditor’s willingness and authority to accept a proposal are factual, not produced by the adviser’s mandate (C046).\n- Creditor-side collecting, own-claim purchasing and debtor-side advisory mandates cannot be interchanged (C047).\n- CNPJ, incorporation, course certificate, private badge, membership or a free initial appointment proves none of these substantive authorizations by itself (C048).\n\n## D. Read-only public-authority verification method\n\nA real provider cannot be classified from its trade name. The minimum evidence packet would contain:\n\n1. Exact contracting legal person and, if different, the individual adviser; legal name, CNPJ/CPF category as appropriate, establishment and jurisdictions served.\n2. The actual client agreement, fee schedule, advertising, call scripts, decision trees and promised deliverables.\n3. A list of actions performed: budgeting, factual debt inventory, legal interpretation, negotiating, signing, receiving a discharge, court representation, credit referral, receiving money or transferring money.\n4. The debtor’s capacity: natural person, proprietor/MEI, company, guarantor or joint obligor; household versus enterprise purpose; secured versus unsecured debt.\n5. A sample blank creditor-authority or debtor-procuração form showing whether transigir, payment receipt and dar quitação are expressly authorized.\n6. Any claimed OAB, CRA, CORECON, BCB, COAF, public-agency or court category, including effective date, territorial jurisdiction, exact authorized activity and restrictions.\n7. A funds-flow diagram specifying account owner, beneficial owner, payment processor, authorized signatories, custody duration, payment initiation, creditor settlement and return of unsuccessful transfers.\n8. Whether the adviser acts from Brazil or abroad, where the customer is located, which law is discussed and which subcontractors process personal data.\n\nThese are documents to request for a hypothetical future assessment, not records accessed in this research.\n\n| Generic official verification route | What a dated result could establish | What it would not establish | Applicable claims |\n| --- | --- | --- | --- |\n| Receita Federal CNPJ and Redesim status guidance | Identity and listed registration status of a legal entity | OAB practice rights, sector permission, contract validity or regulator compliance | C037, C048 |\n| OAB Cadastro Nacional dos Advogados and relevant Conselho Seccional | Individual lawyer registration/category and the pertinent territorial professional status, if verified | Permission for payment accounts, creditor-side authority or an actual court engagement | C007–C011 |\n| Relevant CRA/CORECON professional and company-register procedures | Whether a described technical profession/business activity calls for council registration and whether a matching category can be verified | All-purpose “financial services” or legal authorization | C012–C014 |\n| BCB institution/payment authorization register and operative norm | Matching financial/payment entity, authorized modality and its effective dates, if the current text and entry are inspected | Permission of a distinct debt adviser, correspondent contract or a proposed custody model | C015–C017, C022 |\n| BCB correspondentes no País category and contracting institution’s documented appointment | An institutional correspondence relationship, if current and activity-matched | Independent debtor representation or authorization of every credit product | C021 |\n| COAF’s current regulated-activity guidance | Whether particular activities fall in an AML-obliged category and where a filing/registration duty lies | An occupational licence or proof of lawful collection of consumer payments | C018–C020 |\n| Procon/SNDC and Defensoria official service guidance | Public service mandate, geographic audience and general intake route | Appointment of a private paid firm as public conciliator or defender | C023–C024, C039 |\n| Tribunal/CEJUSC official rules and a genuine appointment instrument | Qualification/appointment for an identified judicial capacity | A private mediator course or a generic title being sufficient for court practice | C026–C027, C030 |\n| OAB Provimentos 91/2000 and 99/2002 | Category and register rules for a foreign-law consultant in Brazil | A foreign budgeting company’s universal permission, or authority to advise on Brazilian law | C011, C036 |\n\nThe generic OAB and BCB register pages were identified, but their dynamic interfaces were not used for named searches. No provider, person, borrower, case, licence or property was looked up. No official was contacted, and no filing was made. OAB Nacional+3\n\n## E. Worked invented classifications\n\nEach example deliberately changes an activity or legal capacity. The facts are invented; no actual borrower, creditor or provider is represented.\n\n| Scenario and assumed facts | Conditional classification and evidence | Missing documents; adverse branch; exact next question |\n| --- | --- | --- |\n| H01 — Paid debtor negotiator, no funds. A Brazilian company sells a budget review, makes telephone proposals on the individual’s instructions, never gives legal opinions and never touches payments. | Potential private debtor-side service and mandato, not automatically a financial institution. CDC duties apply where the customer is a consumer; special authority is needed for transigir. C003–C008, C012–C015, C042; S002, S004, S005, S022–S024. | Obtain signed service contract, scripts, powers and precise professional output. Adverse: staff interpret enforceability or give technical regulated financial reports. Next question: “Will staff merely transmit a consumer-approved proposal, or recommend legally binding settlement terms and execute an acceptance?” |\n| H02 — Volunteer association. A nonprofit offers free budgeting and helps arrange voluntary creditor conversations. | Organizational status does not displace reserved legal work, applicable professional rules or public/private capacity boundaries. C003, C007, C012–C014, C023–C024; S002, S005, S008, S009, S022–S024. | Obtain bylaws, actual payment sources, scripts, donor/sponsor arrangements and adviser qualifications. Adverse: it markets itself as Defensoria or performs legal practice without the appropriate capacity. Next question: “Is the association merely educating, representing an individual, or exercising a specifically delegated public function?” |\n| H03 — Lawyer plus nonlawyer call team. An OAB lawyer decides a legal defense; nonlawyers conduct factual intake and negotiation calls. | Legal consultation and judicial acts require proper professional capacity; ordinary intake alone does not establish lawyer status. C007–C010, C027, C045; S005–S006. | Obtain OAB status, actual supervision, allocation of tasks, court mandate and special powers. Adverse: nonlawyers independently give reserved legal opinions or execute procedural acts. Next question: “Who decides legal merits, signs the advice, and performs any court filing?” |\n| H04 — Creditor collector versus purchaser. Firm A is paid by a lender to collect; Firm B buys receivables outright and pursues its own claims. Neither contracts to advise debtors. | Both are creditor-side, but contractual collection and own-claim purchase have different authority. CORECON-SP guidance recognizes a distinction between mere own-account purchases and third-party technical credit services. C004–C006, C014, C018, C040, C047; S004, S023–S025, S029. | Obtain creditor agency agreement or title-transfer instruments, accounting and service descriptions. Adverse: purported purchaser actually supplies regulated services or solicits debtor-paid advice. Next question: “Does the firm own this claim, service another party’s claim, or advise the debtor under a separate engagement?” |\n| H05 — Bank correspondent. An institution contracts a shop to take specified credit applications; the shop advertises debt reduction. | Potential correspondente for institution-side tasks; current CMN 4.935 operative details remain on hold. No inference that it may provide independent debtor-paid settlement advice. C015, C021, C042; S014, S016. | Obtain institution identity, contract, specific approved tasks, remuneration, staff qualification and operative consolidated CMN text. Adverse: it acts beyond its correspondent mandate or presents conflicted roles as independent. Next question: “Which exact activity does the institution contract the shop to perform, and who pays it?” |\n| H06 — Fintech/referral/software. A website estimates a household budget and refers a visitor to a lender; a later feature may accept credit applications. | A static educational calculator, a compensated referral, a loan-originating function and payment initiation are different products requiring separate characterization. C003, C015–C017, C021–C022, C035; S002, S014–S017, S020. | Obtain functional specifications, referral contracts, compensation, application/API flow and data map. Adverse: “software-only” copy hides actual regulated payment/credit operations. Next question: “At which screen, if any, does the platform transmit a credit proposal, control money or make a decision on behalf of a lender?” |\n| H07 — Monthly debtor-funds collector. Customers pay a company-owned account monthly; the company distributes money when settlements arise. | Payment, custody, remittance, AML and potentially financial-institution questions are triggered separately from negotiation. Permission/exemption cannot be cleared without current BCB rules. C015–C018, C022, C044; S014, S015, S017, S025. | Obtain bank-account ownership, processor licence, account agreements, legal title, safeguarding, insolvency treatment, reconciliation and payment records. Adverse: unauthorized payment/deposit activity or mishandled client property. Next question: “Who legally owns and controls each real at every moment between the customer’s payment and the creditor’s receipt?” |\n| H08 — Foreign remote adviser. A company outside Brazil calls Brazilian individuals about budgeting, with no Brazilian staff; a second variant offers Brazilian-law debt advice. | Mere foreign incorporation supplies no passport. LGPD nexus may exist. The second variant raises OAB reserved-work questions; OAB foreign-law consultant authorization does not permit Brazilian-law practice. C007, C011, C035–C036; S005, S018–S020. | Obtain adviser physical locations, customer territories, governing contracts, language/scripts, Brazilian counsel relationships and processing/payment geography. Adverse: unauthorized Brazilian legal acts or financially regulated activity in Brazil. Next question: “Where is the substantive advice performed, and does anyone give conclusions about Brazilian legal rights?” |\n| H09 — Neutral or judicial appointee. A private person facilitates an agreement acceptable to both sides; another person says they are a court conciliator after taking an online course. | A capable independent extrajudicial mediator is distinct from a partisan adviser; judicial appointment requires the proper court regime. C025–C027, C030; S006–S007, S002. | Obtain neutrality agreement, disclosures, training, applicable tribunal register and specific appointment. Adverse: unappointed person claims court status or partisan negotiator claims impartiality. Next question: “What exact tribunal or parties appointed this person, for what proceeding and in what role?” |\n| H10 — Mixed debt classes. One person has household credit, MEI working-capital debt, a guarantee for a company and a vehicle-secured loan. | Each obligation may involve a different consumer, contractual and court-process classification. Natural-person CDC superendividamento cannot simply be applied to company debt or all security interests. C002, C028–C034; S002, S006, S021. | Obtain anonymized debt purpose, obligors, guarantee documents and security terms. Adverse: an adviser markets one universal statutory process for the entire portfolio. Next question: “Who is legally liable on each obligation, for whose purpose, and is it secured?” |\n| H11 — Technical financial management firm. A paid practice delivers financial restructuring reports and manages accounts payable for third-party businesses. | More likely to demand detailed CRA/CORECON atividade básica analysis than H01’s basic budget conversation. C012–C014, C018, C040; S022–S025, S029. | Obtain scope of work, credentials, company objects, actual outputs and regional professional interpretation. Adverse: missing council registration for a regulated technical service; further payment issues if it executes transfers. Next question: “Are the outputs professional economic/financial-management services supplied to third parties, or merely factual consumer education?” |\n\n### Conditional numerical treatment\n\nTwo numbers appeared in opened operative sources: the CDC court-conciliation five-year maximum proposal horizon and the federal decree’s R$600 mínimo existencial. Neither is a private adviser’s legal fee, agency cost, success rate or commercial settlement period. The 2026 STF decision creates an important currentness condition for the latter. No defensible agency-licensing cost, bond, insurance, minimum capital, licence duration or permission-timeline arithmetic can be produced without first establishing the applicable capacity and reading its specific current fee instrument. I have therefore not invented a numerical business-cost example.\n\n## Source register\n\nStatus key: `R` = actual substantive official HTML/JSON body opened and read at relevant provisions; `O` = official explanatory/news body read, not itself operative law; `I` = official indexed/search-extracted text or landing information, but operative full body not opened; `F` = attempted opening failed; `E` = official enacted expiry record read. “R” does not certify that every subsequent amendment, tribunal interpretation or local implementation has been independently exhausted.\n\nActual access window: October 26, 2026, approximately 16:54–17:08 America/Los_Angeles (PDT); October 26, 23:54 through October 27, 00:08 UTC. Exact individual resource-open timestamps were not logged; the common window below is the actual observed session, not a fabricated per-source time. All web accesses listed occurred within this window. HTML/JSON has no PDF page index. The two inaccessible DOU PDF sources have unverified zero-based PDF indices, despite search metadata providing printed gazette pages.\n\n| ID | Full official source and literal direct URL | Actual body/pinpoint; date, commencement and currentness limits |\n| --- | --- | --- |\n| C_BR-P01-S001 | Constituição da República Federativa do Brasil, Presidência da República, compiled. [https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm](https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm?utm_source=chatgpt.com) | R, arts. 22(I),(VII),(XVI); 24(V),(VIII); 30(I),(II); 134. 1988 Constitution, compiled text read; later amendment exhaustiveness not certified. |\n| S002 | Lei 8.078/1990, Código de Defesa do Consumidor, Presidência, compiled. [https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm](https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com) | R, arts. 2–3, 6, 14, 46–49, 54-A–D, 55, 104-A–C, 105. 1990 enactment; later 2021 superendividamento text included; full later amendment audit pending. |\n| S003 | Lei 14.181, de 1º de julho de 2021, Presidência. [https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm?utm_source=chatgpt.com) | R, art. 1 amendments to CDC. Enacted 2021, traced into S002; legislative origin, not substituted for current compiled CDC. |\n| S004 | Lei 10.406/2002, Código Civil, Presidência, compiled. [https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm](https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm?utm_source=chatgpt.com) | R, arts. 653–663, notably 654, 657–658, 661 §§1–2, 662–663. 2002 enactment, consolidated read. |\n| S005 | Lei 8.906/1994, Estatuto da Advocacia e da OAB, Presidência. [https://planalto.gov.br/ccivil_03/leis/l8906.htm](https://planalto.gov.br/ccivil_03/leis/l8906.htm?utm_source=chatgpt.com) | R, arts. 1, 3–5, 8, 10; amendments visible including Lei 14.365/2022. OAB admission and reserved-work scope; current full disciplinary instruments not exhausted. |\n| S006 | Lei 13.105/2015, Código de Processo Civil, Presidência, compiled. [https://planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13105compilada.htm](https://planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13105compilada.htm?utm_source=chatgpt.com) | R, arts. 103–105, 165–169, 1.052. 2015 enactment, compiled; tribunal-level implementation separate. |\n| S007 | Lei 13.140/2015, Lei de Mediação, Presidência. [https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13140.htm](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13140.htm?utm_source=chatgpt.com) | R, arts. 1, 4–6, 9–13. 2015 enacted body; extrajudicial/judicial distinction. |\n| S008 | Lei Complementar 80/1994, Lei Orgânica da Defensoria Pública, Presidência. [https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp80.htm](https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp80.htm?utm_source=chatgpt.com) | R, arts. 1, 4 and §§4, 6, 10; 106–108. 1994 enactment, later revisions in body; state office eligibility/implementation not read. |\n| S009 | Decreto 2.181/1997, Sistema Nacional de Defesa do Consumidor, Presidência. [https://www.planalto.gov.br/ccivil_03/decreto/d2181.htm](https://www.planalto.gov.br/ccivil_03/decreto/d2181.htm?utm_source=chatgpt.com) | R, arts. 2–4, 9. 1997 rule, later amendments visible; public oversight, not private occupational approval. |\n| S010 | Decreto 11.150/2022, mínimo existencial regulation, Presidência. [https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2022/decreto/d11150.htm](https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2022/decreto/d11150.htm?utm_source=chatgpt.com) | R, arts. 2–4, 8. Original 2022; amended by S011; some text rendered with strikeouts; art. 4 interpretation affected by S012; full dispositive judicial effects pending. |\n| S011 | Decreto 11.567/2023, amendment to Decreto 11.150, Presidência. [https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm?utm_source=chatgpt.com) | R, arts. 1–4. Published June 20, 2023; art. 4 states effect upon publication; R$600 and repeal of specified earlier paragraph. |\n| S012 | STF, “Governo federal deve revisar anualmente valor do mínimo existencial em negociações de superendividamento.” [https://noticias.stf.jus.br/postsnoticias/governo-federal-deve-revisar-anualmente-valor-do-minimo-existencial-em-negociacoes-de-superendividamento/](https://noticias.stf.jus.br/postsnoticias/governo-federal-deve-revisar-anualmente-valor-do-minimo-existencial-em-negociacoes-de-superendividamento/?utm_source=chatgpt.com) | O, April 23, 2026 official announcement; decision reported, not full acórdão/dispositive/modulation. Paragraphs on annual CMN review, consignado and R$600. |\n| S013 | STF, official docket for ADPF proceeding. [https://portal.stf.jus.br/processos/detalhe.asp?incidente=6468508](https://portal.stf.jus.br/processos/detalhe.asp?incidente=6468508&utm_source=chatgpt.com) | I, official docket landing accessed, full decisions not read. Docket identifier is not independent proof of precise judgment effects. |\n| S014 | Lei 4.595/1964, financial system law, Presidência, compiled. [https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm](https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm?utm_source=chatgpt.com) | R, arts. 17–18. Enacted 1964, later amendments compiled; activity-specific BCB implementation not all read. |\n| S015 | Lei 12.865/2013, payments law, Presidência. [https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm](https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm?utm_source=chatgpt.com) | R, art. 6(I)–(VI), §§2–4 and art. 9. 2013 enactment; amended exemptions visible; current BCB implementing detail outstanding. |\n| S016 | Resolução CMN 4.935/2021, Banco Central do Brasil official normative interface. [https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN&utm_source=chatgpt.com) | I/F, indexed provisions including arts. 1–4 and institutional correspondence; full dynamic operative body returned essentially no text. Dated 2021 with 2025 amendment indicated; current consolidation and effective transition not validated. |\n| S017 | Resolução BCB 494/2025, Banco Central do Brasil official normative interface. [https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB&utm_source=chatgpt.com) | I/F, indexed amendment to payment-institution authorizations, including transitional references for 2026; full body not opened. 2025 issuance; precise operative consolidation, exceptions and deadlines hold. |\n| S018 | OAB Provimento 91/2000, Conselho Federal da OAB. [https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000](https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000?utm_source=chatgpt.com) | R, arts. 1–2, 7. Issued March 13, 2000; OAB-hosted amended text. Foreign-law consultancy in Brazil only, not Brazilian law. |\n| S019 | OAB Provimento 99/2002, Conselho Federal da OAB. [https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002](https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002?utm_source=chatgpt.com) | R, art. 3 concerning foreign-law consultants in OAB records. 2002 act, current OAB-hosted text; individual admissions not searched. |\n| S020 | Lei 13.709/2018, Lei Geral de Proteção de Dados, Presidência, compiled. [https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm](https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm?utm_source=chatgpt.com) | R, arts. 3–4. 2018 enactment, subsequent amendments including visible 2026 changes; full implementation/regulatory audit deferred. |\n| S021 | Lei 11.101/2005, business recuperação/falência law, Presidência, compiled. [https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm](https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm?utm_source=chatgpt.com) | R, arts. 1–3, 21. 2005 enactment with subsequent amendments; debtor-category gateway only. |\n| S022 | Lei 6.839/1980, registration of businesses with professional councils, Presidência. [https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao](https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao&utm_source=chatgpt.com) | R, art. 1. Enacted 1980; main-activity/service criterion; no regional case-specific decision read. |\n| S023 | Lei 4.769/1965, professional administration law, Presidência. [https://planalto.gov.br/ccivil_03/leis/l4769.htm](https://planalto.gov.br/ccivil_03/leis/l4769.htm?utm_source=chatgpt.com) | R, arts. 2–3 and council provisions. 1965 enacted body; historical wording and later professional-title regulations not exhaustively reconstructed. |\n| S024 | Lei 1.411/1951, economist profession/council law, Presidência. [https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm](https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm?utm_source=chatgpt.com) | R, arts. 1, 6, 14 and sole paragraph. 1951 law with visible repealed/revised passages; application to exact consultancy requires professional analysis. |\n| S025 | Lei 9.613/1998, money laundering and AML obligations, Presidência, compiled. [https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm](https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm?utm_source=chatgpt.com) | R, arts. 9 caput and sole paragraph(XIV), 10–11, 14. Enacted 1998, amendments including 2026 visible; whether specific hypothetical transaction meets listed operation still unresolved. |\n| S026 | Resolução COAF 34/2020, COAF. [https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020](https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020?utm_source=chatgpt.com) | R, arts. 1–2. Enters into force on publication, officially noted April 16, 2020. Web-page upload in July 2021 not commencement. Repeals Resolution 24/2013. |\n| S027 | COAF, Regulação—current directly supervised sector guidance. [https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao](https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao?utm_source=chatgpt.com) | O, present official guidance body read; identifies sector-specific COAF supervision. Not occupational-licensing legislation. |\n| S028 | COAF, Cadastro no Coaf. [https://www.gov.br/coaf/pt-br/sistemas/siscoaf/Cadastro_no_Coaf](https://www.gov.br/coaf/pt-br/sistemas/siscoaf/Cadastro_no_Coaf?utm_source=chatgpt.com) | O, official guidance read; page showed modification October 5, 2026. Registration obligation/category guidance, not proof of trade authorization. |\n| S029 | Conselho Regional de Economia de São Paulo, Tipos de Sociedades. [https://coreconsp.gov.br/tipos-de-sociedades/](https://coreconsp.gov.br/tipos-de-sociedades/?utm_source=chatgpt.com) | O, technical council guidance, especially “Empresas de Fomento Mercantil ou Factoring,” third-party advisory versus outright own-account purchase. Regional explanatory interpretation, not general Brazilian law by itself. |\n| S030 | Fundação PROCON-SP, Carta de Serviços. [https://www.procon.sp.gov.br/carta-de-servicos/](https://www.procon.sp.gov.br/carta-de-servicos/?utm_source=chatgpt.com) | O, §8, Programa de Apoio ao Superendividado, audience and joint NTS/CEJUSC service description; São Paulo local service guidance read, not private provider licence law. |\n| S031 | Instituto Brasileiro de Geografia e Estatística, official states endpoint. [https://servicodados.ibge.gov.br/api/v1/localidades/estados](https://servicodados.ibge.gov.br/api/v1/localidades/estados?utm_source=chatgpt.com) | R, actual full JSON array of federation units; 26 states plus Distrito Federal enumerated below. Live official administrative classification checked Oct. 26. |\n| S032 | Receita Federal, Cadastro Nacional da Pessoa Jurídica (CNPJ). [https://www.gov.br/receitafederal/pt-br/assuntos/orientacao-tributaria/cadastros/cnpj](https://www.gov.br/receitafederal/pt-br/assuntos/orientacao-tributaria/cadastros/cnpj?utm_source=chatgpt.com) | O, generic official register guidance read; a tax/business identity category, not occupational permit. |\n| S033 | Redesim, Comprovantes. [https://www.gov.br/empresas-e-negocios/pt-br/redesim/comprovantes/](https://www.gov.br/empresas-e-negocios/pt-br/redesim/comprovantes/?utm_source=chatgpt.com) | O, official CNPJ/status guidance read, not a sector authorization. |\n| S034 | Banco Central, Encontre uma instituição. [https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao](https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao?utm_source=chatgpt.com) | I, official register discovery information; no named lookup, no full interactive record. |\n| S035 | OAB, Cadastro Nacional dos Advogados. [https://consulta.oab.org.br/](https://consulta.oab.org.br/?utm_source=chatgpt.com) | I, dynamic generic entry displayed loading; no named lookup or record read. |\n| S036 | Banco Central, Correspondentes no País. [https://www.bcb.gov.br/estabilidadefinanceira/correspondentes_pais](https://www.bcb.gov.br/estabilidadefinanceira/correspondentes_pais?utm_source=chatgpt.com) | I/F, official category page/index found; dynamic full page not substantively readable. No register records queried. |\n| S037 | CNJ, Resolução 125/2010 and amendments, official Atos interface. [https://atos.cnj.jus.br/atos/detalhar/156](https://atos.cnj.jus.br/atos/detalhar/156?utm_source=chatgpt.com) | I/F, official indexed description suggested 2026 amendments; full page returned access error. Tribunal-specific implementation cannot rely on this unopened body. |\n| S038 | Congresso Nacional, Ato Declaratório 89/2026 concerning MP 1.355/2026. [https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/congresso/adc-89-mpv1.355.htm](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/congresso/adc-89-mpv1.355.htm?utm_source=chatgpt.com) | E/R, dated September 2026 official expiry declaration, body read. The expired MP is not October 2026 operative authority. |\n| S039 | Diário Oficial da União PDF, original CMN Resolution 4.935 publication. [https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=02%2F08%2F2021&jornal=515&pagina=23](https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=02%2F08%2F2021&jornal=515&pagina=23&utm_source=chatgpt.com) | I/F, indexed original DOU August 2, 2021, printed page 23. PDF viewer failed; zero-based PDF index unverified; original would not alone settle 2025 amendments. |\n| S040 | Diário Oficial da União PDF, BCB Resolution 494 publication. [https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=05%2F09%2F2025&jornal=600&pagina=4](https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=05%2F09%2F2025&jornal=600&pagina=4&utm_source=chatgpt.com) | I/F, indexed September 5, 2025 DOU, printed page 4. PDF viewer failed; zero-based PDF index unverified; operative transition unresolved. |\n\nSource totals: 40 displayed records: 23 opened statutory/constitutional/normative bodies (S001–S011 excluding nonstatutory distinction, S014–S015, S018–S026, S031, S038, according to the precise type indicated), nine additional opened official explanatory/guidance bodies, and eight indexed, landing-only or failed-access entries. Because hybrid records include `I/F` and `E/R`, those broad descriptive categories are not intended as a mechanically exclusive statistical partition. The definitive accounting is the 40 individual status-coded rows, not an assertion that 40 operative laws were fully verified.\n\n## Claim/evidence register\n\nRouting is provisional within this dossier: A097 denotes provider/activity/capacity propositions; A098 denotes verification, jurisdiction, consumer-public interface and currentness propositions. These tags do not imply findings from any other country or from external A097/A098 work. All propositions concern Brazil as of the October 26 research session, except where an expressly narrower state or historical date is shown.\n\nFor brevity, source pinpoints in this register refer to the full literal URL-bearing source rows above. Every `C` reference in the substantive findings, scenarios and coverage ledger refers to the corresponding `C_BR-P01-C` ID.\n\n| Claim ID | Route; exact atomic proposition, conditions and consequence | Primary source and pinpoint; limit |\n| --- | --- | --- |\n| C001 | A098. Union civil/commercial/financial/profession competence coexists with state/DF consumer and municipal local/supplementary competences. No federal-only locality clearance follows. | S001 arts. 22, 24, 30. |\n| C002 | A098. CDC ordinary consumidor final-recipient class includes physical/legal persons; special 54-A overindebtedness class specifically natural-person good-faith consumer. Transaction purpose must be tested. | S002 arts. 2–3, 54-A §1. |\n| C003 | A097. Paid service can be a CDC supply of service, with consumer rights and liability attached where applicable; free initial consultation is not a blanket exception. | S002 arts. 3 §2, 6, 14, 46–49. |\n| C004 | A097. Civil mandato permits representation to perform acts/administration, depending on real agreement and powers. It is not sector licensure. | S004 arts. 653–660. |\n| C005 | A097. General mandate is insufficient to transigir; special express powers needed for compromise. | S004 art. 661 §1. |\n| C006 | A097. Excess acts may not bind principal absent ratification; acting in own name changes liability. | S004 arts. 662–663. |\n| C007 | A097. Brazilian consultoria, assessoria e direção jurídicas are reserved advocacy activities; ordinary nonlegal facts are not categorically identical. | S005 art. 1(II), arts. 3–4; exact script determines application. |\n| C008 | A097. Judicial postulation and attorney legal capacity are separately controlled. | S005 arts. 1, 3–5; S006 arts. 103–105; statutory exceptions must be respected. |\n| C009 | A097. Attorney OAB admission and territorial principal/supplementary registration conditions depend on actual practice. | S005 arts. 8, 10; individual status not checked. |\n| C010 | A097. Reserved-activity practice/advertising cannot be presumed permissible as an adjunct to another business. | S005 art. 1 §3 and arts. 3–4; fact-specific professional review. |\n| C011 | A097. OAB-regulated foreign-law consultancy in Brazil is restricted to applicable foreign law and not Brazilian legal advice or postulation. | S018 arts. 1–2, 7; S019 art. 3. Not a general foreign-budget-adviser passport. |\n| C012 | A097. Professional council company registration turns on atividade básica or third-party service actually provided. | S022 art. 1; no blanket answer for every budget coach. |\n| C013 | A097. Specified administração financeira technical professional acts implicate professional administration practice rules. | S023 arts. 2–3, 6–8; CRA applicability to exact offering unresolved. |\n| C014 | A097. Registered economist profession and entities carrying technical economic/financial services may require CORECON status. | S024 arts. 1, 6, 14 and sole paragraph; S022 art. 1. |\n| C015 | A097. Activities of financial resource collection, intermediation, application or custody can engage financial-institution permission rules. | S014 arts. 17–18; actual product and BCB scope unresolved. |\n| C016 | A097. Instituição de pagamento functions are defined by payment accounts, initiation/transfers, remittances and related payment work. | S015 art. 6(III)–(VI). |\n| C017 | A097. BCB regulatory authority and statutory exceptions are activity- and implementing-rule-dependent; no “trust account” exemption established. | S015 arts. 6 §§2–4, 9; S017 full rule unavailable. |\n| C018 | A097. AML-obliged categories include listed financial actors and adviser involvement in specified transactions, subject to identification/control/reporting provisions. | S025 arts. 9–11; does not include every bare budgeting conversation by assertion. |\n| C019 | A098. Former COAF Resolution 24/2013 is revoked and cannot serve as current registration procedure. | S026 arts. 1–2, effective DOU April 16, 2020. |\n| C020 | A098. Current COAF registration/supervision guidance relates to covered activities; registry status does not prove occupational permission. | S025 arts. 9, 10(IV), 14; S027–S028 guidance. |\n| C021 | A097. An institutional correspondente is categorically different from independent debtor advice; exact current contracting/activity requirements remain unverified. | S016 indexed art. 1–4; S039 PDF failed. Provisional classification only. |\n| C022 | A098. 2025/2026 BCB payment authorization transitions cannot be conclusively applied without operative Resolution 494 and related consolidated norms. | S017 indexed only; S040 failed. Publication hold. |\n| C023 | A098. SNDC/Procon public oversight involves federal, state/DF, municipal and relevant civil bodies, distinct from a private provider licence. | S002 arts. 55, 105; S009 arts. 2–4, 9. |\n| C024 | A098. Defensoria’s constitutional/statutory public legal assistance and office-derived capacities cannot be inferred from a private nonprofit title. | S001 art. 134; S008 arts. 1, 4, 106–108. |\n| C025 | A097. Extrajudicial mediation requires neutral third-party function, with legally distinct qualifications from partisan negotiation. | S007 arts. 1, 4–6, 9–10. |\n| C026 | A098. Judicial mediation/conciliation follows court-centre, qualifications, registration and remuneration instruments. | S006 arts. 165–169; S007 arts. 11–13; S037 current CNJ amendments unopened. |\n| C027 | A097. Court representation and judicial settlement/receipt powers require applicable attorney and express procedural mandate, subject to exceptions. | S006 arts. 103–105; S005 art. 5. |\n| C028 | A098. CDC superendividamento covers specified good-faith natural-person consumer inability while preserving essential minimum, not every company or guaranty. | S002 art. 54-A §§1–3. |\n| C029 | A098. CDC art. 104-A describes judge/accredited-conciliator court route and five-year proposal; excludes expressly identified debt types/bad-faith cases. | S002 art. 104-A caput and §§1–3; not private creditor-consent rule. |\n| C030 | A098. CDC arts. 104-B/C supply further judicial/public conciliation possibilities; judicial administrator derives from appointment. | S002 arts. 104-B/C; exact procedure deferred. |\n| C031 | A098. Current published decree text sets mínimo existencial at R$600 after 2023 amendment, not a provider fee. | S010 art. 3; S011 arts. 1–4. Judicial/current amendment qualification C032. |\n| C032 | A098. STF reported April 23, 2026 annual CMN review requirement and nonexclusion of crédito consignado from minimum. | S012 official announcement; S013 judgment full text not read; exact effect/modulation reserved. |\n| C033 | A098. Lei 11.101 applies to its enterprise debtor classes and court administrator appointment. | S021 arts. 1–3, 21. No consumer universal transfer. |\n| C034 | A098. CPC transitional civil-insolvency link exists, but full individual capacity/process not established. | S006 art. 1.052. |\n| C035 | A097. LGPD geographic applicability can involve Brazilian data processing/offering or individuals in Brazil. | S020 art. 3, with art. 4 exceptions; does not confer sector authorization. |\n| C036 | A098. Neither a foreign-remote exemption nor foreign-licence passport was proven; Brazilian professional/financial/data nexus must be classified by actual acts. | S001, S005, S014–S015, S018, S020; bounded inference, unresolved facts, not a statutory blanket ban. |\n| C037 | A097. CNPJ and business registration evidence identity/status but not independent rights to reserved/regulated acts. | S032–S033 guidance contrasted with S005, S014–S015, S022. |\n| C038 | A098. Official IBGE current response identifies the separately listed 26 states and DF. | S031 entire JSON response, access Oct. 26, 2026. |\n| C039 | A098. PROCON-SP offers PAS/NTS with CEJUSC cooperation and describes an intake audience broader than statutory CDC 54-A natural-person class. | S030 §8 “Programa de Apoio ao Superendividado”; service charter, not statutory expansion. |\n| C040 | A098. CORECON-SP interpretation distinguishes technical credit-account management for third parties from pure own-account claim purchase under main-activity analysis. | S029 “Empresas de Fomento Mercantil ou Factoring”; regional interpretation. |\n| C041 | A098. MP 1.355/2026 expired under official congressional declaration; it is not adopted as current authority. | S038 Ato Declaratório 89/2026. |\n| C042 | A097. A bounded search did not identify a universal, dedicated federal debtor-paid settlement adviser permission; activity-specific branches remain. | Negative finding from S001–S028 plus S032–S037; incomplete full BCB bodies, local law and contracts make absolute “unregulated” conclusion impermissible. |\n| C043 | A098. No general adviser fee ceiling, fee-earned trigger, refund or cancellation outcome is concluded. | S002 arts. 6, 46–49 provide general consumer gateway; precise regimes/contracts not researched. |\n| C044 | A097. Client-money ownership, safeguards, execution and any financial/payment exception need actual account and flow facts. | S004 arts. 653–663; S014–S015; S017 pending. No completed clearance. |\n| C045 | A097. Judicial compromise, receipt and giving discharge require separate specified mandate authority. | S006 art. 105; S004 art. 661 §1. |\n| C046 | A098. Adviser mandate alone does not compel creditor acceptance; CDC court-specific creditor consequences cannot be generalized. | S004 arts. 653, 662; S002 art. 104-A §2 context. |\n| C047 | A097. Creditor/servicer/own-claim purchaser authority is legally distinct from a debtor-side mandate. | S004 arts. 653–663; S029 factoring distinction; actual creditor contracts not supplied. |\n| C048 | A097. Course badge, private association, free entry call or CNPJ alone supplies no professional/sector/public appointment. | S005, S008, S014–S015, S022–S024, S032; inference limited to named predicates. |\n| C049 | A098. One São Paulo local public-service/council interpretation was read; no comprehensive state, municipal, tribunal or language clearance was done there or elsewhere. | S029–S030; S031 geography. |\n| C050 | A098. Published/consolidated amendments, 2026 STF and expired MP have different status; later October rules/current judicial effects remain research gaps. | S002–S003, S010–S013, S016–S017, S020, S025, S038. |\n| C051 | A098. No evidenced uniform agency fee, bond, minimum capital, insurance cost or permission time can be numerically illustrated for an unclassified debtor adviser. | Bounded absence across opened gateway sources; future category-specific official instrument required. |\n\nClaim total: 51 displayed atomic/qualified claims, C001–C051. “No dedicated universal licence found” (C042), missing prices (C043/C051), foreign nexus (C036) and local nonverification (C049) are explicitly qualified research findings, not established free-standing legal immunities.\n\n## F. Complete granular coverage ledger\n\nStatus: Supported = narrow operative finding supported by opened text; Conditional = legal rule supported, classification requires facts; Pending body = consequential current primary instrument inaccessible/unread; Deferred = consciously outside this PASS-01 scope; NONE local = no local primary body read for that unit. A finding in one row never resolves the other rows.\n\n### F1. Every A–E gateway issue\n\n| # | Issue | Finding and claim refs | Status; exact missing material and next action |\n| --- | --- | --- | --- |\n| G01 | Dedicated central authorization | No universal federal debtor-settlement authorization established in bounded search; C042 | Conditional; identify exact marketed tasks and check current BCB/professional/local text before publication. |\n| G02 | State/local private permission | Federal allocation not exhaustive; C001, C049 | Pending; read actual rules in each served state/municipality. |\n| G03 | Paid budgeting/education | May be ordinary service; C003–C004 | Conditional; review scripts and outputs for reserved or regulated activity. |\n| G04 | Debt-specific commercial advice | Legal and technical-professional character may change; C007, C012–C014 | Conditional; classify specific recommendations, financial reports and legal conclusions. |\n| G05 | Debtor-creditor negotiation | Mandate possible; C004–C006 | Conditional; inspect authority, capacity and communication scripts. |\n| G06 | Remission/compromise signature | Requires special express transigir power; C005, C045 | Supported/conditional; examine actual procuração and agreement execution. |\n| G07 | No debtor power or excess authority | Potential ineffective act/ratification; C006 | Supported/conditional; identify signer and ratification facts. |\n| G08 | Voluntary workout arrangement | Different from court statutory repactuação; C004, C029–C030, C046 | Conditional; determine whether consensual or a specific judicial/public proceeding. |\n| G09 | Debtor funds/payment administration | Separate financial/payment/AML analysis; C015–C018, C022, C044 | Pending body; obtain funds diagram and current BCB resolutions including exemptions. |\n| G10 | Individual consumer debt | CDC and narrower 54-A class; C002–C003, C028 | Conditional; document final-recipient and natural-person circumstances. |\n| G11 | Sole proprietor/MEI business debt | No automatic transfer into natural-person statutory process; C002, C028, C039 | Conditional; establish legal obligor, business purpose and local service audience. |\n| G12 | Juristic-person debt | CDC ordinary scope possible; CDC 54-A natural-person definition narrower; C002, C028, C033 | Conditional; classify final recipient and enterprise-insolvency status. |\n| G13 | Guarantor/joint debtor capacity | Agreement and capacity matter; C002, C004–C006 | Deferred merits; examine obligation/guarantee terms solely to select correct gateway. |\n| G14 | Secured obligations | Court 104-A has express excluded classes; C029 | Conditional; classify security and financing category, defer substantive security rules. |\n| G15 | Creditor collecting own claim | Creditor-side, not debtor mandate; C047 | Conditional; inspect ownership. |\n| G16 | Collector for third-party creditor | Contract-dependent creditor authority; C047 | Conditional; inspect servicing contract and actual negotiating limits. |\n| G17 | Claim purchaser/servicer | Purchase versus financial technical services distinction; C014, C040, C047 | Conditional; inspect transfer and business model, applicable council/AML rules. |\n| G18 | OAB reserved legal advice | Statutory boundary established; C007–C010 | Supported/conditional; review scripts and speaker qualifications. |\n| G19 | OAB admission/territorial status | Professional status separate from incorporation; C009 | Conditional; use generic OAB category guidance and appropriate actual records only if separately authorized. |\n| G20 | Other professional administration | CRA possible under technical administração financeira; C012–C013 | Conditional; test atividade básica and regional current instruments. |\n| G21 | Technical economic consultancy | CORECON possible; C012, C014, C040 | Conditional; examine actual third-party services and regional interpretation. |\n| G22 | Commercial nonprofit/association/free | No blanket immunity; C003, C007, C048 | Conditional; inspect activities, remuneration source and claimed public role. |\n| G23 | Public Procon/SNDC | Statutory public oversight/conciliation category; C023 | Supported gateway; verify local powers/eligibility in each area. |\n| G24 | Defensoria | Statutory public professional service; C024 | Supported gateway; verify actual office remit/eligibility without private impersonation. |\n| G25 | Lender/regulated financial institution | BCB financial authorization boundary; C015 | Conditional; classify products, licensed institution and actual activities. |\n| G26 | Correspondent-bank category | Institution-side, distinct from debtor adviser; C021 | Pending body; obtain consolidated CMN 4.935 with amendments and actual contract. |\n| G27 | Credit intermediary/referral | Facts change class; C015, C021 | Pending body; isolate advertising, application submission, compensation and lender authority. |\n| G28 | Fintech/software category | Actual functions control; C016–C017, C035 | Conditional; map each tool and API/data/funds action. |\n| G29 | Payment institution | Statutory definitions identified; C016–C017, C022 | Pending body; reopen full BCB authorization rules and transitional exceptions. |\n| G30 | Funds distributor/deposit/lending distinction | Ownership/financial-versus-payment nexus unresolved; C015–C017, C044 | Pending body/facts; review bank custody structure, payment rail and BCB law. |\n| G31 | COAF/AML obligations | Conditional listed activities; former specific rule revoked; C018–C020 | Conditional; determine AML actor and current sector rule; do not treat Coaf registration as trade licence. |\n| G32 | Extrajudicial mediator | Must be neutral, not merely partisan; C025 | Supported/conditional; obtain bilateral appointment and conflicts facts. |\n| G33 | Judicial mediator/conciliator | Court qualification/appointment class; C026 | Pending local rules; reopen CNJ and tribunal instruments and verify appointment. |\n| G34 | Judicial administrator | Actual court appointment; C030, C033 | Supported gateway; identify specific procedure before representing authority. |\n| G35 | Court representation/settlement | CPC/OAB distinct; C008, C027, C045 | Supported/conditional; verify named representative’s role and powers. |\n| G36 | Consumer court superendividamento | Natural-person, good-faith, excluded classes; C028–C030 | Supported gateway; no eligibility/tool outcome without full procedures. |\n| G37 | Minimum-existential current amount | Decree R$600 plus April 2026 STF qualification; C031–C032 | Judgment-text pending; obtain dispositive/finality and later CMN actions. |\n| G38 | Business recuperação/falência | Enterprise-specific class, not generic consumer path; C033 | Supported gateway; full law/process deferred. |\n| G39 | Civil insolvency | CPC transitional gateway discovered; C034 | Partial; open current operative transitional/older law and case guidance before any route. |\n| G40 | Domestic versus foreign remote nexus | OAB/financial/LGPD nexus varies by acts and place; C011, C035–C036 | Conditional; obtain physical/service/payment/data nexus; foreign law not researched. |\n| G41 | Foreign-law professional status | OAB Provimento 91 special category; C011 | Supported narrow rule; verify place of foreign-law practice and sectional scope. |\n| G42 | CNPJ/tax formation versus substantive permission | Distinct categories; C037, C048 | Supported negative distinction; test exact occupation and each authorization. |\n| G43 | Free call, certificate, membership, badge | Not independent permission; C048 | Supported negative distinction; review actual advertised implication and legal class. |\n| G44 | Entity versus individual registration | OAB individual, professional councils firm/person, BCB entities, court individuals/functions; C009, C012–C017, C026 | Conditional; map actual responsible persons and entities. |\n| G45 | Admissions versus mandate/appointment | Professional entry, institutional contract and court appointment distinct; C009, C021, C026, C047 | Conditional; obtain instrument and effective date for each claimed capacity. |\n| G46 | Financial, insurance, bond/security criteria | None generalized; C051 | Deferred/pending; first classify specific financial/professional/public regime, then read applicable instrument. |\n| G47 | Actual public agency costs | No supported generic figure; C051 | Deferred; identify specific regulator/category and read current published fee schedule. |\n| G48 | Read-only public verification | Appropriate official categories, no named searches; C009, C020–C022, C037, C048 | Method given; no external records/people were checked. |\n| G49 | Six-plus hypothetical classifications | H01–H11 with facts/adverse questions | Completed as conditional illustrations; no real client/license finding. |\n| G50 | Territory inventory | 26 states + DF from IBGE; C038–C039, C049 | Units enumerated below; local clearance incomplete. |\n| G51 | Status of amendments and expiry | Current/old/news/expired separated; C019, C031–C032, C041, C050 | Partial; full CMN/BCB/CNJ/judgment and post-access changes need new pass. |\n| G52 | Compensation/fee promises | General CDC gateway only; C003, C043 | Deferred; read actual contracts, professional/consumer rules and local instruments. |\n| G53 | Privacy/data processing | LGPD nexus identified; C035 | Partial; classify roles, basis, notices, security/transfers in dedicated review. |\n| G54 | No guaranteed creditor concession | Private mandate cannot compel; C046 | Supported negative; creditor policy/authority never presumed. |\n| G55 | No all-country/parent acceptance | C042, C049–C051 | HOLD; separate independent review and local/contract/source completion required. |\n\n### F2. Every broader deferred subject, separately\n\nNo row below is treated as a completed substantive merits review.\n\n| # | Named deferred family | Gateway reference/status | Exact next research action |\n| --- | --- | --- | --- |\n| D01 | Debt products | C002, C015, C028–C029; Deferred | Enumerate consumer, revolving, payroll, secured, real-estate, rural and business products from current instrument and contract. |\n| D02 | Enforceability and disputes | C007–C008; Deferred | Read substantive Civil Code, CDC and court authorities for contract validity and defenses with OAB boundary. |\n| D03 | Collection communications and conduct | C003, C047; Deferred | Open operative CDC collection articles, applicable BCB collector rules and territorial enforcement materials. |\n| D04 | Limitation, accrual and interruption | C004; Deferred | Map obligation types and current Civil Code/sector prescription, default and interruption authorities. |\n| D05 | Credit reporting and correction | C003, C035; Deferred | Research CDC records, LGPD, cadastro-positive and bureau-specific current primary rules. |\n| D06 | Repayment and settlement mechanics | C005–C006, C046; Deferred | Establish creditor assent, novation, release, payment effect and receipt formalities per obligation. |\n| D07 | Creditor authority and participation | C029, C046–C047; Deferred | Distinguish voluntary consent, assigned-claim ownership, court summons and statutory nonappearance consequences. |\n| D08 | Consumer fees, earning, timing, refunds and cancellation | C003, C043; Deferred | Read governing consumer/professional/local provisions and actual engagement/payment terms; no fee promise. |\n| D09 | Actual engagement contracts and disclosures | C003–C006, C043; Deferred | Review specimen contracts, offer copy, procuração, conflict disclosures and consumer channels. |\n| D10 | Client-money title, custody, safeguarding and execution | C015–C018, C022, C044; Pending body/deferred | Reopen BCB consolidated permission rules and classify full legal-account/processor funds path. |\n| D11 | Tax | C037; Deferred | Determine provider legal form and taxation of actual fees/payments/forgiveness under Receita and state/municipal law. |\n| D12 | Secured mortgage, property and vehicle | C029; Deferred | Read security-specific financing, registry, enforcement and release rules; no universal settlement assumption. |\n| D13 | Guarantees and joint liability beyond capacity | C002, C006; Deferred | Analyze each guarantee/joint instrument and statutory defenses/remedies. |\n| D14 | Government, tax, student, support and other public claims | C002, C028–C029; Deferred | Identify creditor sovereign/program category and enabling law; never generalize private-bank negotiation. |\n| D15 | Court/service/default/judgment/appeal beyond capacity | C027, C030; Deferred | Map CPC, local procedure, notice, default and appeal rules in a separate litigation review. |\n| D16 | Enforcement, garnishment, exemptions and protected income | C028–C032; Deferred | Read federal procedural and sector-specific attachment/exemption rules, plus local implementation. |\n| D17 | Full superendividamento, repactuação, civil insolvency, recuperação and falência: eligibility, proceedings, forms, costs and adverse outcomes | C028–C034; Deferred | Separate comprehensive modules; obtain STF judgment/CMN compliance, CPC transitional acts and tribunal procedures. |\n| D18 | Local public assistance | C023–C024, C039, C049; Deferred except narrow SP page | Read each Procon/Defensoria/CEJUSC programme law, jurisdiction, eligibility and accessible contact process. |\n| D19 | Complaints, ombudsman and private remedies | C003, C023; Deferred | Research CDC sanctions, SNDC/B​CB/OAB/consumer complaint channels, standing and remedies. |\n| D20 | Insurance, securities and FX boundaries | C015, C018; Deferred | Determine whether any actual feature is insurance brokerage, investments, foreign exchange or remittance, then read regulator texts. |\n| D21 | Fraud and impersonation | C003, C024, C048; Deferred | Research Brazilian consumer/criminal/administrative prohibitions and verification wording, avoiding invented offense classifications. |\n| D22 | Cross-border law, jurisdiction, recognition and assets | C035–C036; Deferred | Research Brazilian PIL/jurisdiction/enforcement and each relevant foreign system independently; none imported. |\n| D23 | Language and accessibility | C003, C049; Deferred | Check national consumer accessibility rules and local language/service implementation for targeted audiences. |\n| D24 | Current consolidation and later amendments | C019, C022, C032, C041, C050; Partial | Reopen every consequential official consolidated body, 2026 judgment and post-Oct26 normative changes; distinguish commencement. |\n| D25 | Full-country / A097 / A098 acceptance | C042, C049–C051; HOLD | Require coordinator’s independent source reopening, coverage audit, contract/funds review and all locality gates before acceptance. |\n\n### F3. Complete territorial inventory — every current state and Distrito Federal\n\nThe unit names below come from the opened official IBGE response, not an assumed 27-unit count. `National only` means the common federal authorities S001–S028 have been studied at gateway level; it is not local legislation review. For every row, the exact state and relevant municipality still require checking where a private service would operate or market.\n\n| Unit | Local primary material actually read | National reach and exact remaining local question/action |\n| --- | --- | --- |\n| Acre (AC) | NONE | C001/C023 national only. Read AC consumer/Procon rules, relevant CRA/CORECON practice, court/CEJUSC and municipal service/advertising measures; determine language-access obligations for proposed location. |\n| Alagoas (AL) | NONE | National only. Read AL Procon organization and private advisory enforcement, professional councils and local CEJUSC/Defensoria acts; check target municipality and language accessibility. |\n| Amapá (AP) | NONE | National only. Obtain AP public consumer-body powers, occupational-council rules and tribunal mediation implementation; check specific municipal application/language needs. |\n| Amazonas (AM) | NONE | National only. Examine AM Procon/Defensoria authority, local professional registration and court implementation; assess municipality and remote/linguistic delivery facts. |\n| Bahia (BA) | NONE | National only. Read BA consumer-service enforcement, CRA/CORECON and TJBA mediation regulations; identify relevant municipality and accessibility/language rules. |\n| Ceará (CE) | NONE | National only. Read CE Procon and consumer-conciliation acts, pertinent councils and TJCE rules; check local operating municipality and language obligations. |\n| Distrito Federal (DF) | NONE | National only. Read DF consumer authority and professional-council instruments, TJDFT/CEJUSC and local DF service rules; identify service channel/language duties. |\n| Espírito Santo (ES) | NONE | National only. Read ES Procon and professional technical-service rules, TJES implementation and proposed municipal requirements; test accessibility. |\n| Goiás (GO) | NONE | National only. Read GO Procon/consumer service provisions, CRA/CORECON scope and TJGO court mediation rules; identify actual municipality and language issues. |\n| Maranhão (MA) | NONE | National only. Obtain MA Procon public/private-service framework, professional council and TJMA/Defensoria measures; check proposed locality and accessibility. |\n| Mato Grosso (MT) | NONE | National only. Read MT consumer-adviser enforcement, relevant regional councils and TJMT conciliation arrangements; determine municipal and linguistic nexus. |\n| Mato Grosso do Sul (MS) | NONE | National only. Read MS Procon, professional council and TJMS implementing materials; assess municipality, border/remote facts and relevant language accessibility. |\n| Minas Gerais (MG) | NONE | National only. Open MG consumer protection and potential provider practices, CRA/CORECON and TJMG/CEJUSC authorities; inspect municipality and language duties. |\n| Pará (PA) | NONE | National only. Read PA consumer/public-assistance provisions, professional council interpretations and TJPA rules; determine specific municipal and language-access conditions. |\n| Paraíba (PB) | NONE | National only. Read PB Procon and private paid-service issues, CRA/CORECON and TJPB procedural implementation; evaluate municipality and accessibility. |\n| Paraná (PR) | NONE | National only. Read PR Procon/consumer enforcement, professional registrations and TJPR conciliation rules; assess proposed municipality and language options. |\n| Pernambuco (PE) | NONE | National only. Obtain PE Procon, CRA/CORECON and TJPE court/programme materials; check local business-service and accessibility requirements. |\n| Piauí (PI) | NONE | National only. Read PI consumer-authority and professional council acts, TJPI mediation and municipal operation; check language accessibility. |\n| Rio de Janeiro (RJ) | NONE | National only. Review RJ state consumer/Procon measures, CRA/CORECON professional-service treatment, TJRJ/CEJUSC rules and relevant municipal requirements. |\n| Rio Grande do Norte (RN) | NONE | National only. Read RN consumer agency powers, local councils, TJRN mediation and municipality-specific requirements; test accessibility/language. |\n| Rio Grande do Sul (RS) | NONE | National only. Obtain RS Procon/consumer framework, professional councils and TJRS implementation; determine municipal and language-access effects. |\n| Rondônia (RO) | NONE | National only. Read RO Procon and council practice, TJRO court/Defensoria arrangements and applicable municipality; check delivery language. |\n| Roraima (RR) | NONE | National only. Read RR consumer/Procon and professional rules, TJRR mediation and municipal implementation; examine multilingual and remote-service needs. |\n| Santa Catarina (SC) | NONE | National only. Read SC Procon and professional council requirements, TJSC conciliation and proposed municipality; verify accessibility/language rules. |\n| São Paulo (SP) | S029 CORECON-SP professional guidance; S030 PROCON-SP PAS service charter. Neither is a full local legislative review. | C039–C040 narrow local findings only. Still read SP state/private-service consumer law, CRA scope, TJSP current CEJUSC rules, each relevant municipal Procon/business rule, language/accessibility; resolve apparent wider PAS service audience versus CDC natural-person statutory class without conflating them. |\n| Sergipe (SE) | NONE | National only. Read SE Procon/consumer enforcement, CRA/CORECON and TJSE court/public assistance material; check operating municipality and accessibility. |\n| Tocantins (TO) | NONE | National only. Read TO Procon and professional service rules, TJTO/Defensoria implementation and municipality; verify linguistic/accessibility duties. |\n\nTerritorial total: 27 displayed named rows, exactly 26 states and one Distrito Federal. One unit (São Paulo) has narrowly read local guidance; 26 have `NONE` local primary material. No state-specific private debt-adviser licence is asserted or denied.\n\n## Editorial applications and publication decisions\n\nPotentially useful HomeLoanWiki/SettleADebt-style content, if later cleared for Brazil, is capacity-first:\n\n1. “What is the debt adviser actually allowed to do?” An annotated comparison of factual budget help, mandato, transigir, legal advice and court representation. Display profession/council and local uncertainty, not an invented licence badge.\n2. “Who is representing whom?” Creditor collector, receivables purchaser, borrower adviser, neutral mediator, public conciliator and court administrator explained as different capacities.\n3. “Can the company hold my settlement money?” A funds-flow questionnaire, not a pass/fail regulator checker until full BCB payment norms and exact custody model are researched.\n4. “Is this ordinary negotiation or court repactuação?” Progressive disclosure: natural person/business; debt purpose; excluded security categories; consensual versus court channel. Do not calculate legal eligibility from income alone.\n5. “Verify the category, not the logo.” An annotated blank engagement checklist: person/company, OAB or professional registration if applicable, CNPJ, debtor authorization, recipient of fees, creditor authority and client-money flow.\n6. “Brazil federal rules versus local help.” State/DF-specific pages should remain unlaunched until each locality’s public aid, professionals, courts and relevant municipal implementation is actually checked.\n\n### Explicit publication holds\n\nDo not publish as established\n\n- “Debt settlement companies in Brazil need no licence.”\n- “Any consultant can negotiate or sign for a debtor.”\n- “A CNPJ, professional certificate, COAF registration or correspondent contract authorizes debt negotiation.”\n- “Nonprofits and foreign online advisers are exempt.”\n- “All household debts qualify for superendividamento.”\n- “R$600 is a universal eligibility threshold or the currently final judicial interpretation.”\n- “Clients’ monthly funds may be held in an adviser’s account without a separate authorization/safeguarding analysis.”\n- “Courts, Procon or Defensoria will make a creditor accept a discount.”\n- Any expected savings, interest reduction, fee ceiling, refund, payment timeframe, credit-score result, tax result or government endorsement.\n\nPermissible provisional research notes may state what the specific cited operative provision says, with actor, activity, date, scope and unresolved qualifications visibly attached. They are not a publishable country page or an endorsement of a business model.\n\n## Researcher self-check and handoff\n\n| Reconciliation item | Actual result and limitation |\n| --- | --- |\n| Access method | Ordinary primary-source web browsing; no Deep Research, subagents, Work execution, accounts or private records. |\n| Research dates | Baseline October 22, 2026. Actual source access October 26, approximately 16:54–17:08 PDT; crossed UTC midnight into October 27. |\n| Primary legal source method | Opened Portuguese Planalto/OAB/COAF and other competent official bodies at relevant provisions, translated/paraphrased material distinctions into English. |\n| Access gaps | Current full BCB CMN 4.935, BCB 494 and associated operative payment/correspondent consolidations inaccessible through tested interfaces; CNJ current consolidated page inaccessible; STF full judgment not read. |\n| Version control | 2021 CDC amendment traced; 2023 essential-minimum amendment traced; 2026 STF announcement distinguished from judgment; 2020 COAF revocation traced; 2026 expired MP excluded; 2025/2026 BCB changes remain unverified. |\n| Source register | 40 individually displayed S001–S040 rows, including failed/index-only entries. No indexed source promoted silently into opened operative authority. |\n| Claim register | 51 individually displayed C001–C051 claims. All expressly bounded negatives identify uncertainty. |\n| Hypotheticals | 11 invented H01–H11; each identifies controlling difference, claim/source IDs, documents, adverse branch and an exact next question. |\n| Gateway coverage | 55 individually displayed G01–G55 issue rows, including authorization, professional, consumer, financial, public, cross-border, verification and publication questions. |\n| Broader deferred coverage | 25 individually displayed D01–D25 rows, each with its own research action. |\n| Territorial coverage | 27 individually displayed jurisdiction rows: 26 states and DF. Only São Paulo local guidance read; no full state or municipality cleared. |\n| Locality/contract limits | No actual engagement, creditor contract, court appointment, individual licence, public aid eligibility, funds account or site analytics. |\n| Cross-border limits | No foreign legal system researched or adopted; no foreign permission passport established. |\n| Quantitative check | No licensing-price or expected-settlement arithmetic invented. The source-backed R$600 decree figure and five-year judicial-plan horizon were kept separate from commercial fees, admission costs and promises; exact current STF effects remain pending. |\n| Independence | This is the researcher’s self-check, not an independent legal or editorial review. |\n\nCoordinator’s mandatory independent next pass: reopen S002, S004–S007, S014–S018, S022–S026 and the full operative amendments; obtain the STF decision text and later CMN compliance; independently test the professional council and BCB classifications; inspect the proposed contract/scripts/funds structure if ever supplied under proper authority; confirm all 27 local branches; recompute any future numerical example from dated official instruments; and reconcile the 40 source, 51 claim, 11 hypothetical, 55 gateway, 25 deferred and 27 territorial entries against the visible text.\n\nAcceptance state: Research submitted for review only. No provider, engagement, contract, state, federal country root, A097/A098 integration, parent programme, website content or legal-operational model is accepted or authorized by this dossier.\n\nEND C_BR PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Activity","Narrow gateway finding","Status"],["General budgeting and financial education","Potentially ordinary nonlegal services; paid consumer-facing services may fall under the Código de Defesa do Consumidor (CDC).","Federal basis identified"],["Operational negotiation with a creditor on a debtor’s instructions","The Civil Code recognizes mandato, but settlement authority requires appropriate powers. This does not authorize reserved legal advice.","Conditional"],["Individualized Brazilian legal advice or judicial representation","Professional restrictions under the Estatuto da Advocacia, Law 8.906/1994, apply.","Restriction established"],["Nonprofit debt assistance","Nonprofit status does not itself confer legal-practice, payment-services, or judicial powers.","Capacity-specific"],["Public consumer conciliation and Defensoria services","Statutory public functions exist, subject to the competent body's role and eligibility.","Public mandate identified"],["Acting for a bank as a correspondente no País","A separately regulated, institution-contracted relationship; not inherently an authorization to represent debtors independently.","Regulated category"],["Receiving and distributing debtor payments","Requires separate classification under mandate/custody, banking, payment-services and potentially other rules.","Unresolved"],["Foreign remote advice into Brazil","Brazilian professional, consumer and data-protection connections may arise; foreign credentials do not create a blanket passport.","Further analysis required"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor and side","Remuneration, authority and competent body","Controlling condition and adverse branch","Claims"],["Independent commercial adviser acting for debtor","Debtor fee possible under ordinary service/mandato framework; contract and actual powers must be tested","Budget and administrative negotiation may differ from Brazilian legal advice; express transigir power for settlement; CDC and professional-council tests remain","C003–C008, C012–C014"],["Nonprofit/association, debtor side","Free or subsidized work is possible as an organizational form, not a universal permission","Legal advice can still be reserved; professional, financial, payment, data and consumer consequences depend on conduct","C003, C007, C012–C018"],["Public Procon/SNDC body","Official consumer-protection or conciliation mandate, not a commercial badge","Competence and local procedures arise from public law; a private provider cannot appropriate agency status","C023, C029–C030"],["Defensoria Pública","Statutory public legal-assistance function for its qualifying audience; professional authority associated with public office","Not delegable to an unrelated private operator by advertising “Defensoria-style” assistance","C024"],["Advogado acting for debtor","OAB admission and applicable court mandate; private fees otherwise require separate review","Can carry out reserved legal acts within competence; OAB badge does not itself grant payment-institution authorization","C007–C011, C027"],["Administrator/economist offering technical financial services","CRA/CORECON professional and company registration are conditional on substantive regulated work and its atividade básica","A diploma or isolated credential does not automatically cover law practice, lending or payment operations","C012–C014"],["Bank/regulated lender, own or outsourced institutional activity","Financial regulatory authorization and product-specific supervision by BCB/CMN","Authorization for banking is not authorization for an unrelated private debt-settlement firm","C015, C021"],["Bank correspondente, institution side","Contract with participating institution; 4.935 full-current-text validation pending","Serves institutional tasks, not an independently assumed debtor fiduciary role; referral/certification terms need operative validation","C021"],["Fintech/referral/software provider","Classify each feature: information-only, credit proposal, payment execution or regulated intermediation","The word “software” cannot immunize a firm that actually handles funds, credit or legal advice","C015–C018, C021–C022"],["Creditor collecting own receivable","Acting as claim owner; ordinary creditor authority and consumer treatment still matter","Owning a claim is different from serving the debtor as a paid independent adviser","C003, C047"],["Collector/servicer for creditor","Actual creditor appointment or servicing contract; related regulatory/professional characterization depends on acts","Authority to negotiate for creditor does not establish authority to compromise for debtor","C004–C006, C047"],["Purchaser of receivables","Claim acquisition documents and financial/factoring characterization needed","Purchaser takes its own-claim risk; if also supplying technical credit-management services, separate council/AML issues may arise","C014, C018, C040, C047"],["Payment institution or debtor-funds distributor","BCB payment and/or financial permission depends on real flows, relevant current rules and exemptions","Periodic custody, payment accounts, transfers and remittance cannot be decided by label; current resolution body pending","C015–C018, C022, C044"],["Extrajudicial neutral mediator","Lei 13.140/2015 art. 9 permits an appropriate capable person trusted by the parties, subject to neutrality","A partisan paid negotiator who advances only the debtor’s position should not advertise neutral mediator status","C025"],["Judicial conciliator/mediator","Court-center qualification, appointment/register and remuneration rules under CPC and Lei 13.140","A private mediation course is not a judicial appointment","C026"],["Judicial administrator","Specific court appointment under applicable proceeding, including CDC art. 104-B or business insolvency law","No self-appointment or generic commercial debt-adviser entitlement","C030, C033"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Generic official verification route","What a dated result could establish","What it would not establish","Applicable claims"],["Receita Federal CNPJ and Redesim status guidance","Identity and listed registration status of a legal entity","OAB practice rights, sector permission, contract validity or regulator compliance","C037, C048"],["OAB Cadastro Nacional dos Advogados and relevant Conselho Seccional","Individual lawyer registration/category and the pertinent territorial professional status, if verified","Permission for payment accounts, creditor-side authority or an actual court engagement","C007–C011"],["Relevant CRA/CORECON professional and company-register procedures","Whether a described technical profession/business activity calls for council registration and whether a matching category can be verified","All-purpose “financial services” or legal authorization","C012–C014"],["BCB institution/payment authorization register and operative norm","Matching financial/payment entity, authorized modality and its effective dates, if the current text and entry are inspected","Permission of a distinct debt adviser, correspondent contract or a proposed custody model","C015–C017, C022"],["BCB correspondentes no País category and contracting institution’s documented appointment","An institutional correspondence relationship, if current and activity-matched","Independent debtor representation or authorization of every credit product","C021"],["COAF’s current regulated-activity guidance","Whether particular activities fall in an AML-obliged category and where a filing/registration duty lies","An occupational licence or proof of lawful collection of consumer payments","C018–C020"],["Procon/SNDC and Defensoria official service guidance","Public service mandate, geographic audience and general intake route","Appointment of a private paid firm as public conciliator or defender","C023–C024, C039"],["Tribunal/CEJUSC official rules and a genuine appointment instrument","Qualification/appointment for an identified judicial capacity","A private mediator course or a generic title being sufficient for court practice","C026–C027, C030"],["OAB Provimentos 91/2000 and 99/2002","Category and register rules for a foreign-law consultant in Brazil","A foreign budgeting company’s universal permission, or authority to advise on Brazilian law","C011, C036"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scenario and assumed facts","Conditional classification and evidence","Missing documents; adverse branch; exact next question"],["H01 — Paid debtor negotiator, no funds. A Brazilian company sells a budget review, makes telephone proposals on the individual’s instructions, never gives legal opinions and never touches payments.","Potential private debtor-side service and mandato, not automatically a financial institution. CDC duties apply where the customer is a consumer; special authority is needed for transigir. C003–C008, C012–C015, C042; S002, S004, S005, S022–S024.","Obtain signed service contract, scripts, powers and precise professional output. Adverse: staff interpret enforceability or give technical regulated financial reports. Next question: “Will staff merely transmit a consumer-approved proposal, or recommend legally binding settlement terms and execute an acceptance?”"],["H02 — Volunteer association. A nonprofit offers free budgeting and helps arrange voluntary creditor conversations.","Organizational status does not displace reserved legal work, applicable professional rules or public/private capacity boundaries. C003, C007, C012–C014, C023–C024; S002, S005, S008, S009, S022–S024.","Obtain bylaws, actual payment sources, scripts, donor/sponsor arrangements and adviser qualifications. Adverse: it markets itself as Defensoria or performs legal practice without the appropriate capacity. Next question: “Is the association merely educating, representing an individual, or exercising a specifically delegated public function?”"],["H03 — Lawyer plus nonlawyer call team. An OAB lawyer decides a legal defense; nonlawyers conduct factual intake and negotiation calls.","Legal consultation and judicial acts require proper professional capacity; ordinary intake alone does not establish lawyer status. C007–C010, C027, C045; S005–S006.","Obtain OAB status, actual supervision, allocation of tasks, court mandate and special powers. Adverse: nonlawyers independently give reserved legal opinions or execute procedural acts. Next question: “Who decides legal merits, signs the advice, and performs any court filing?”"],["H04 — Creditor collector versus purchaser. Firm A is paid by a lender to collect; Firm B buys receivables outright and pursues its own claims. Neither contracts to advise debtors.","Both are creditor-side, but contractual collection and own-claim purchase have different authority. CORECON-SP guidance recognizes a distinction between mere own-account purchases and third-party technical credit services. C004–C006, C014, C018, C040, C047; S004, S023–S025, S029.","Obtain creditor agency agreement or title-transfer instruments, accounting and service descriptions. Adverse: purported purchaser actually supplies regulated services or solicits debtor-paid advice. Next question: “Does the firm own this claim, service another party’s claim, or advise the debtor under a separate engagement?”"],["H05 — Bank correspondent. An institution contracts a shop to take specified credit applications; the shop advertises debt reduction.","Potential correspondente for institution-side tasks; current CMN 4.935 operative details remain on hold. No inference that it may provide independent debtor-paid settlement advice. C015, C021, C042; S014, S016.","Obtain institution identity, contract, specific approved tasks, remuneration, staff qualification and operative consolidated CMN text. Adverse: it acts beyond its correspondent mandate or presents conflicted roles as independent. Next question: “Which exact activity does the institution contract the shop to perform, and who pays it?”"],["H06 — Fintech/referral/software. A website estimates a household budget and refers a visitor to a lender; a later feature may accept credit applications.","A static educational calculator, a compensated referral, a loan-originating function and payment initiation are different products requiring separate characterization. C003, C015–C017, C021–C022, C035; S002, S014–S017, S020.","Obtain functional specifications, referral contracts, compensation, application/API flow and data map. Adverse: “software-only” copy hides actual regulated payment/credit operations. Next question: “At which screen, if any, does the platform transmit a credit proposal, control money or make a decision on behalf of a lender?”"],["H07 — Monthly debtor-funds collector. Customers pay a company-owned account monthly; the company distributes money when settlements arise.","Payment, custody, remittance, AML and potentially financial-institution questions are triggered separately from negotiation. Permission/exemption cannot be cleared without current BCB rules. C015–C018, C022, C044; S014, S015, S017, S025.","Obtain bank-account ownership, processor licence, account agreements, legal title, safeguarding, insolvency treatment, reconciliation and payment records. Adverse: unauthorized payment/deposit activity or mishandled client property. Next question: “Who legally owns and controls each real at every moment between the customer’s payment and the creditor’s receipt?”"],["H08 — Foreign remote adviser. A company outside Brazil calls Brazilian individuals about budgeting, with no Brazilian staff; a second variant offers Brazilian-law debt advice.","Mere foreign incorporation supplies no passport. LGPD nexus may exist. The second variant raises OAB reserved-work questions; OAB foreign-law consultant authorization does not permit Brazilian-law practice. C007, C011, C035–C036; S005, S018–S020.","Obtain adviser physical locations, customer territories, governing contracts, language/scripts, Brazilian counsel relationships and processing/payment geography. Adverse: unauthorized Brazilian legal acts or financially regulated activity in Brazil. Next question: “Where is the substantive advice performed, and does anyone give conclusions about Brazilian legal rights?”"],["H09 — Neutral or judicial appointee. A private person facilitates an agreement acceptable to both sides; another person says they are a court conciliator after taking an online course.","A capable independent extrajudicial mediator is distinct from a partisan adviser; judicial appointment requires the proper court regime. C025–C027, C030; S006–S007, S002.","Obtain neutrality agreement, disclosures, training, applicable tribunal register and specific appointment. Adverse: unappointed person claims court status or partisan negotiator claims impartiality. Next question: “What exact tribunal or parties appointed this person, for what proceeding and in what role?”"],["H10 — Mixed debt classes. One person has household credit, MEI working-capital debt, a guarantee for a company and a vehicle-secured loan.","Each obligation may involve a different consumer, contractual and court-process classification. Natural-person CDC superendividamento cannot simply be applied to company debt or all security interests. C002, C028–C034; S002, S006, S021.","Obtain anonymized debt purpose, obligors, guarantee documents and security terms. Adverse: an adviser markets one universal statutory process for the entire portfolio. Next question: “Who is legally liable on each obligation, for whose purpose, and is it secured?”"],["H11 — Technical financial management firm. A paid practice delivers financial restructuring reports and manages accounts payable for third-party businesses.","More likely to demand detailed CRA/CORECON atividade básica analysis than H01’s basic budget conversation. C012–C014, C018, C040; S022–S025, S029.","Obtain scope of work, credentials, company objects, actual outputs and regional professional interpretation. Adverse: missing council registration for a regulated technical service; further payment issues if it executes transfers. Next question: “Are the outputs professional economic/financial-management services supplied to third parties, or merely factual consumer education?”"]]},{"headers":[],"index":4,"links":[{"href":"https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm"},{"href":"https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm"},{"href":"https://planalto.gov.br/ccivil_03/leis/l8906.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/leis/l8906.htm"},{"href":"https://planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13105compilada.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13105compilada.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13140.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13140.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp80.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp80.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/decreto/d2181.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/decreto/d2181.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2022/decreto/d11150.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2022/decreto/d11150.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm"},{"href":"https://noticias.stf.jus.br/postsnoticias/governo-federal-deve-revisar-anualmente-valor-do-minimo-existencial-em-negociacoes-de-superendividamento/?utm_source=chatgpt.com","text":"https://noticias.stf.jus.br/postsnoticias/governo-federal-deve-revisar-anualmente-valor-do-minimo-existencial-em-negociacoes-de-superendividamento/"},{"href":"https://portal.stf.jus.br/processos/detalhe.asp?incidente=6468508&utm_source=chatgpt.com","text":"https://portal.stf.jus.br/processos/detalhe.asp?incidente=6468508"},{"href":"https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm"},{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN&utm_source=chatgpt.com","text":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN"},{"href":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB&utm_source=chatgpt.com","text":"https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB"},{"href":"https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000?utm_source=chatgpt.com","text":"https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000"},{"href":"https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002?utm_source=chatgpt.com","text":"https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002"},{"href":"https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao&utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao"},{"href":"https://planalto.gov.br/ccivil_03/leis/l4769.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/leis/l4769.htm"},{"href":"https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm?utm_source=chatgpt.com","text":"https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm"},{"href":"https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm?utm_source=chatgpt.com","text":"https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm"},{"href":"https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020?utm_source=chatgpt.com","text":"https://www.gov.br/coaf/p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official source and literal direct URL","Actual body/pinpoint; date, commencement and currentness limits"],["C_BR-P01-S001","Constituição da República Federativa do Brasil, Presidência da República, compiled. https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm","R, arts. 22(I),(VII),(XVI); 24(V),(VIII); 30(I),(II); 134. 1988 Constitution, compiled text read; later amendment exhaustiveness not certified."],["S002","Lei 8.078/1990, Código de Defesa do Consumidor, Presidência, compiled. https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm","R, arts. 2–3, 6, 14, 46–49, 54-A–D, 55, 104-A–C, 105. 1990 enactment; later 2021 superendividamento text included; full later amendment audit pending."],["S003","Lei 14.181, de 1º de julho de 2021, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2021/lei/l14181.htm","R, art. 1 amendments to CDC. Enacted 2021, traced into S002; legislative origin, not substituted for current compiled CDC."],["S004","Lei 10.406/2002, Código Civil, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","R, arts. 653–663, notably 654, 657–658, 661 §§1–2, 662–663. 2002 enactment, consolidated read."],["S005","Lei 8.906/1994, Estatuto da Advocacia e da OAB, Presidência. https://planalto.gov.br/ccivil_03/leis/l8906.htm","R, arts. 1, 3–5, 8, 10; amendments visible including Lei 14.365/2022. OAB admission and reserved-work scope; current full disciplinary instruments not exhausted."],["S006","Lei 13.105/2015, Código de Processo Civil, Presidência, compiled. https://planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13105compilada.htm","R, arts. 103–105, 165–169, 1.052. 2015 enactment, compiled; tribunal-level implementation separate."],["S007","Lei 13.140/2015, Lei de Mediação, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2015/lei/l13140.htm","R, arts. 1, 4–6, 9–13. 2015 enacted body; extrajudicial/judicial distinction."],["S008","Lei Complementar 80/1994, Lei Orgânica da Defensoria Pública, Presidência. https://www.planalto.gov.br/ccivil_03/leis/lcp/lcp80.htm","R, arts. 1, 4 and §§4, 6, 10; 106–108. 1994 enactment, later revisions in body; state office eligibility/implementation not read."],["S009","Decreto 2.181/1997, Sistema Nacional de Defesa do Consumidor, Presidência. https://www.planalto.gov.br/ccivil_03/decreto/d2181.htm","R, arts. 2–4, 9. 1997 rule, later amendments visible; public oversight, not private occupational approval."],["S010","Decreto 11.150/2022, mínimo existencial regulation, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2019-2022/2022/decreto/d11150.htm","R, arts. 2–4, 8. Original 2022; amended by S011; some text rendered with strikeouts; art. 4 interpretation affected by S012; full dispositive judicial effects pending."],["S011","Decreto 11.567/2023, amendment to Decreto 11.150, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm","R, arts. 1–4. Published June 20, 2023; art. 4 states effect upon publication; R$600 and repeal of specified earlier paragraph."],["S012","STF, “Governo federal deve revisar anualmente valor do mínimo existencial em negociações de superendividamento.” https://noticias.stf.jus.br/postsnoticias/governo-federal-deve-revisar-anualmente-valor-do-minimo-existencial-em-negociacoes-de-superendividamento/","O, April 23, 2026 official announcement; decision reported, not full acórdão/dispositive/modulation. Paragraphs on annual CMN review, consignado and R$600."],["S013","STF, official docket for ADPF proceeding. https://portal.stf.jus.br/processos/detalhe.asp?incidente=6468508","I, official docket landing accessed, full decisions not read. Docket identifier is not independent proof of precise judgment effects."],["S014","Lei 4.595/1964, financial system law, Presidência, compiled. https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm","R, arts. 17–18. Enacted 1964, later amendments compiled; activity-specific BCB implementation not all read."],["S015","Lei 12.865/2013, payments law, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm","R, art. 6(I)–(VI), §§2–4 and art. 9. 2013 enactment; amended exemptions visible; current BCB implementing detail outstanding."],["S016","Resolução CMN 4.935/2021, Banco Central do Brasil official normative interface. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN","I/F, indexed provisions including arts. 1–4 and institutional correspondence; full dynamic operative body returned essentially no text. Dated 2021 with 2025 amendment indicated; current consolidation and effective transition not validated."],["S017","Resolução BCB 494/2025, Banco Central do Brasil official normative interface. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB","I/F, indexed amendment to payment-institution authorizations, including transitional references for 2026; full body not opened. 2025 issuance; precise operative consolidation, exceptions and deadlines hold."],["S018","OAB Provimento 91/2000, Conselho Federal da OAB. https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000","R, arts. 1–2, 7. Issued March 13, 2000; OAB-hosted amended text. Foreign-law consultancy in Brazil only, not Brazilian law."],["S019","OAB Provimento 99/2002, Conselho Federal da OAB. https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002","R, art. 3 concerning foreign-law consultants in OAB records. 2002 act, current OAB-hosted text; individual admissions not searched."],["S020","Lei 13.709/2018, Lei Geral de Proteção de Dados, Presidência, compiled. https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","R, arts. 3–4. 2018 enactment, subsequent amendments including visible 2026 changes; full implementation/regulatory audit deferred."],["S021","Lei 11.101/2005, business recuperação/falência law, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm","R, arts. 1–3, 21. 2005 enactment with subsequent amendments; debtor-category gateway only."],["S022","Lei 6.839/1980, registration of businesses with professional councils, Presidência. https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao","R, art. 1. Enacted 1980; main-activity/service criterion; no regional case-specific decision read."],["S023","Lei 4.769/1965, professional administration law, Presidência. https://planalto.gov.br/ccivil_03/leis/l4769.htm","R, arts. 2–3 and council provisions. 1965 enacted body; historical wording and later professional-title regulations not exhaustively reconstructed."],["S024","Lei 1.411/1951, economist profession/council law, Presidência. https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm","R, arts. 1, 6, 14 and sole paragraph. 1951 law with visible repealed/revised passages; application to exact consultancy requires professional analysis."],["S025","Lei 9.613/1998, money laundering and AML obligations, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm","R, arts. 9 caput and sole paragraph(XIV), 10–11, 14. Enacted 1998, amendments including 2026 visible; whether specific hypothetical transaction meets listed operation still unresolved."],["S026","Resolução COAF 34/2020, COAF. https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020","R, arts. 1–2. Enters into force on publication, officially noted April 16, 2020. Web-page upload in July 2021 not commencement. Repeals Resolution 24/2013."],["S027","COAF, Regulação—current directly supervised sector guidance. https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao","O, present official guidance body read; identifies sector-specific COAF supervision. Not occupational-licensing legislation."],["S028","COAF, Cadastro no Coaf. https://www.gov.br/coaf/pt-br/sistemas/siscoaf/Cadastro_no_Coaf","O, official guidance read; page showed modification October 5, 2026. Registration obligation/category guidance, not proof of trade authorization."],["S029","Conselho Regional de Economia de São Paulo, Tipos de Sociedades. https://coreconsp.gov.br/tipos-de-sociedades/","O, technical council guidance, especially “Empresas de Fomento Mercantil ou Factoring,” third-party advisory versus outright own-account purchase. Regional explanatory interpretation, not general Brazilian law by itself."],["S030","Fundação PROCON-SP, Carta de Serviços. https://www.procon.sp.gov.br/carta-de-servicos/","O, §8, Programa de Apoio ao Superendividado, audience and joint NTS/CEJUSC service description; São Paulo local service guidance read, not private provider licence law."],["S031","Instituto Brasileiro de Geografia e Estatística, official states endpoint. https://servicodados.ibge.gov.br/api/v1/localidades/estados","R, actual full JSON array of federation units; 26 states plus Distrito Federal enumerated below. Live official administrative classification checked Oct. 26."],["S032","Receita Federal, Cadastro Nacional da Pessoa Jurídica (CNPJ). https://www.gov.br/receitafederal/pt-br/assuntos/orientacao-tributaria/cadastros/cnpj","O, generic official register guidance read; a tax/business identity category, not occupational permit."],["S033","Redesim, Comprovantes. https://www.gov.br/empresas-e-negocios/pt-br/redesim/comprovantes/","O, official CNPJ/status guidance read, not a sector authorization."],["S034","Banco Central, Encontre uma instituição. https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao","I, official register discovery information; no named lookup, no full interactive record."],["S035","OAB, Cadastro Nacional dos Advogados. https://consulta.oab.org.br/","I, dynamic generic entry displayed loading; no named lookup or record read."],["S036","Banco Central, Correspondentes no País. https://www.bcb.gov.br/estabilidadefinanceira/correspondentes_pais","I/F, official category page/index found; dynamic full page not substantively readable. No register records queried."],["S037","CNJ, Resolução 125/2010 and amendments, official Atos interface. https://atos.cnj.jus.br/atos/detalhar/156","I/F, official indexed description suggested 2026 amendments; full page returned access error. Tribunal-specific implementation cannot rely on this unopened body."],["S038","Congresso Nacional, Ato Declaratório 89/2026 concerning MP 1.355/2026. https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/congresso/adc-89-mpv1.355.htm","E/R, dated September 2026 official expiry declaration, body read. The expired MP is not October 2026 operative authority."],["S039","Diário Oficial da União PDF, original CMN Resolution 4.935 publication. https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=02%2F08%2F2021&jornal=515&pagina=23","I/F, indexed original DOU August 2, 2021, printed page 23. PDF viewer failed; zero-based PDF index unverified; original would not alone settle 2025 amendments."],["S040","Diário Oficial da União PDF, BCB Resolution 494 publication. https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=05%2F09%2F2025&jornal=600&pagina=4","I/F, indexed September 5, 2025 DOU, printed page 4. PDF viewer failed; zero-based PDF index unverified; operative transition unresolved."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Route; exact atomic proposition, conditions and consequence","Primary source and pinpoint; limit"],["C001","A098. Union civil/commercial/financial/profession competence coexists with state/DF consumer and municipal local/supplementary competences. No federal-only locality clearance follows.","S001 arts. 22, 24, 30."],["C002","A098. CDC ordinary consumidor final-recipient class includes physical/legal persons; special 54-A overindebtedness class specifically natural-person good-faith consumer. Transaction purpose must be tested.","S002 arts. 2–3, 54-A §1."],["C003","A097. Paid service can be a CDC supply of service, with consumer rights and liability attached where applicable; free initial consultation is not a blanket exception.","S002 arts. 3 §2, 6, 14, 46–49."],["C004","A097. Civil mandato permits representation to perform acts/administration, depending on real agreement and powers. It is not sector licensure.","S004 arts. 653–660."],["C005","A097. General mandate is insufficient to transigir; special express powers needed for compromise.","S004 art. 661 §1."],["C006","A097. Excess acts may not bind principal absent ratification; acting in own name changes liability.","S004 arts. 662–663."],["C007","A097. Brazilian consultoria, assessoria e direção jurídicas are reserved advocacy activities; ordinary nonlegal facts are not categorically identical.","S005 art. 1(II), arts. 3–4; exact script determines application."],["C008","A097. Judicial postulation and attorney legal capacity are separately controlled.","S005 arts. 1, 3–5; S006 arts. 103–105; statutory exceptions must be respected."],["C009","A097. Attorney OAB admission and territorial principal/supplementary registration conditions depend on actual practice.","S005 arts. 8, 10; individual status not checked."],["C010","A097. Reserved-activity practice/advertising cannot be presumed permissible as an adjunct to another business.","S005 art. 1 §3 and arts. 3–4; fact-specific professional review."],["C011","A097. OAB-regulated foreign-law consultancy in Brazil is restricted to applicable foreign law and not Brazilian legal advice or postulation.","S018 arts. 1–2, 7; S019 art. 3. Not a general foreign-budget-adviser passport."],["C012","A097. Professional council company registration turns on atividade básica or third-party service actually provided.","S022 art. 1; no blanket answer for every budget coach."],["C013","A097. Specified administração financeira technical professional acts implicate professional administration practice rules.","S023 arts. 2–3, 6–8; CRA applicability to exact offering unresolved."],["C014","A097. Registered economist profession and entities carrying technical economic/financial services may require CORECON status.","S024 arts. 1, 6, 14 and sole paragraph; S022 art. 1."],["C015","A097. Activities of financial resource collection, intermediation, application or custody can engage financial-institution permission rules.","S014 arts. 17–18; actual product and BCB scope unresolved."],["C016","A097. Instituição de pagamento functions are defined by payment accounts, initiation/transfers, remittances and related payment work.","S015 art. 6(III)–(VI)."],["C017","A097. BCB regulatory authority and statutory exceptions are activity- and implementing-rule-dependent; no “trust account” exemption established.","S015 arts. 6 §§2–4, 9; S017 full rule unavailable."],["C018","A097. AML-obliged categories include listed financial actors and adviser involvement in specified transactions, subject to identification/control/reporting provisions.","S025 arts. 9–11; does not include every bare budgeting conversation by assertion."],["C019","A098. Former COAF Resolution 24/2013 is revoked and cannot serve as current registration procedure.","S026 arts. 1–2, effective DOU April 16, 2020."],["C020","A098. Current COAF registration/supervision guidance relates to covered activities; registry status does not prove occupational permission.","S025 arts. 9, 10(IV), 14; S027–S028 guidance."],["C021","A097. An institutional correspondente is categorically different from independent debtor advice; exact current contracting/activity requirements remain unverified.","S016 indexed art. 1–4; S039 PDF failed. Provisional classification only."],["C022","A098. 2025/2026 BCB payment authorization transitions cannot be conclusively applied without operative Resolution 494 and related consolidated norms.","S017 indexed only; S040 failed. Publication hold."],["C023","A098. SNDC/Procon public oversight involves federal, state/DF, municipal and relevant civil bodies, distinct from a private provider licence.","S002 arts. 55, 105; S009 arts. 2–4, 9."],["C024","A098. Defensoria’s constitutional/statutory public legal assistance and office-derived capacities cannot be inferred from a private nonprofit title.","S001 art. 134; S008 arts. 1, 4, 106–108."],["C025","A097. Extrajudicial mediation requires neutral third-party function, with legally distinct qualifications from partisan negotiation.","S007 arts. 1, 4–6, 9–10."],["C026","A098. Judicial mediation/conciliation follows court-centre, qualifications, registration and remuneration instruments.","S006 arts. 165–169; S007 arts. 11–13; S037 current CNJ amendments unopened."],["C027","A097. Court representation and judicial settlement/receipt powers require applicable attorney and express procedural mandate, subject to exceptions.","S006 arts. 103–105; S005 art. 5."],["C028","A098. CDC superendividamento covers specified good-faith natural-person consumer inability while preserving essential minimum, not every company or guaranty.","S002 art. 54-A §§1–3."],["C029","A098. CDC art. 104-A describes judge/accredited-conciliator court route and five-year proposal; excludes expressly identified debt types/bad-faith cases.","S002 art. 104-A caput and §§1–3; not private creditor-consent rule."],["C030","A098. CDC arts. 104-B/C supply further judicial/public conciliation possibilities; judicial administrator derives from appointment.","S002 arts. 104-B/C; exact procedure deferred."],["C031","A098. Current published decree text sets mínimo existencial at R$600 after 2023 amendment, not a provider fee.","S010 art. 3; S011 arts. 1–4. Judicial/current amendment qualification C032."],["C032","A098. STF reported April 23, 2026 annual CMN review requirement and nonexclusion of crédito consignado from minimum.","S012 official announcement; S013 judgment full text not read; exact effect/modulation reserved."],["C033","A098. Lei 11.101 applies to its enterprise debtor classes and court administrator appointment.","S021 arts. 1–3, 21. No consumer universal transfer."],["C034","A098. CPC transitional civil-insolvency link exists, but full individual capacity/process not established.","S006 art. 1.052."],["C035","A097. LGPD geographic applicability can involve Brazilian data processing/offering or individuals in Brazil.","S020 art. 3, with art. 4 exceptions; does not confer sector authorization."],["C036","A098. Neither a foreign-remote exemption nor foreign-licence passport was proven; Brazilian professional/financial/data nexus must be classified by actual acts.","S001, S005, S014–S015, S018, S020; bounded inference, unresolved facts, not a statutory blanket ban."],["C037","A097. CNPJ and business registration evidence identity/status but not independent rights to reserved/regulated acts.","S032–S033 guidance contrasted with S005, S014–S015, S022."],["C038","A098. Official IBGE current response identifies the separately listed 26 states and DF.","S031 entire JSON response, access Oct. 26, 2026."],["C039","A098. PROCON-SP offers PAS/NTS with CEJUSC cooperation and describes an intake audience broader than statutory CDC 54-A natural-person class.","S030 §8 “Programa de Apoio ao Superendividado”; service charter, not statutory expansion."],["C040","A098. CORECON-SP interpretation distinguishes technical credit-account management for third parties from pure own-account claim purchase under main-activity analysis.","S029 “Empresas de Fomento Mercantil ou Factoring”; regional interpretation."],["C041","A098. MP 1.355/2026 expired under official congressional declaration; it is not adopted as current authority.","S038 Ato Declaratório 89/2026."],["C042","A097. A bounded search did not identify a universal, dedicated federal debtor-paid settlement adviser permission; activity-specific branches remain.","Negative finding from S001–S028 plus S032–S037; incomplete full BCB bodies, local law and contracts make absolute “unregulated” conclusion impermissible."],["C043","A098. No general adviser fee ceiling, fee-earned trigger, refund or cancellation outcome is concluded.","S002 arts. 6, 46–49 provide general consumer gateway; precise regimes/contracts not researched."],["C044","A097. Client-money ownership, safeguards, execution and any financial/payment exception need actual account and flow facts.","S004 arts. 653–663; S014–S015; S017 pending. No completed clearance."],["C045","A097. Judicial compromise, receipt and giving discharge require separate specified mandate authority.","S006 art. 105; S004 art. 661 §1."],["C046","A098. Adviser mandate alone does not compel creditor acceptance; CDC court-specific creditor consequences cannot be generalized.","S004 arts. 653, 662; S002 art. 104-A §2 context."],["C047","A097. Creditor/servicer/own-claim purchaser authority is legally distinct from a debtor-side mandate.","S004 arts. 653–663; S029 factoring distinction; actual creditor contracts not supplied."],["C048","A097. Course badge, private association, free entry call or CNPJ alone supplies no professional/sector/public appointment.","S005, S008, S014–S015, S022–S024, S032; inference limited to named predicates."],["C049","A098. One São Paulo local public-service/council interpretation was read; no comprehensive state, municipal, tribunal or language clearance was done there or elsewhere.","S029–S030; S031 geography."],["C050","A098. Published/consolidated amendments, 2026 STF and expired MP have different status; later October rules/current judicial effects remain research gaps.","S002–S003, S010–S013, S016–S017, S020, S025, S038."],["C051","A098. No evidenced uniform agency fee, bond, minimum capital, insurance cost or permission time can be numerically illustrated for an unclassified debtor adviser.","Bounded absence across opened gateway sources; future category-specific official instrument required."]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Issue","Finding and claim refs","Status; exact missing material and next action"],["G01","Dedicated central authorization","No universal federal debtor-settlement authorization established in bounded search; C042","Conditional; identify exact marketed tasks and check current BCB/professional/local text before publication."],["G02","State/local private permission","Federal allocation not exhaustive; C001, C049","Pending; read actual rules in each served state/municipality."],["G03","Paid budgeting/education","May be ordinary service; C003–C004","Conditional; review scripts and outputs for reserved or regulated activity."],["G04","Debt-specific commercial advice","Legal and technical-professional character may change; C007, C012–C014","Conditional; classify specific recommendations, financial reports and legal conclusions."],["G05","Debtor-creditor negotiation","Mandate possible; C004–C006","Conditional; inspect authority, capacity and communication scripts."],["G06","Remission/compromise signature","Requires special express transigir power; C005, C045","Supported/conditional; examine actual procuração and agreement execution."],["G07","No debtor power or excess authority","Potential ineffective act/ratification; C006","Supported/conditional; identify signer and ratification facts."],["G08","Voluntary workout arrangement","Different from court statutory repactuação; C004, C029–C030, C046","Conditional; determine whether consensual or a specific judicial/public proceeding."],["G09","Debtor funds/payment administration","Separate financial/payment/AML analysis; C015–C018, C022, C044","Pending body; obtain funds diagram and current BCB resolutions including exemptions."],["G10","Individual consumer debt","CDC and narrower 54-A class; C002–C003, C028","Conditional; document final-recipient and natural-person circumstances."],["G11","Sole proprietor/MEI business debt","No automatic transfer into natural-person statutory process; C002, C028, C039","Conditional; establish legal obligor, business purpose and local service audience."],["G12","Juristic-person debt","CDC ordinary scope possible; CDC 54-A natural-person definition narrower; C002, C028, C033","Conditional; classify final recipient and enterprise-insolvency status."],["G13","Guarantor/joint debtor capacity","Agreement and capacity matter; C002, C004–C006","Deferred merits; examine obligation/guarantee terms solely to select correct gateway."],["G14","Secured obligations","Court 104-A has express excluded classes; C029","Conditional; classify security and financing category, defer substantive security rules."],["G15","Creditor collecting own claim","Creditor-side, not debtor mandate; C047","Conditional; inspect ownership."],["G16","Collector for third-party creditor","Contract-dependent creditor authority; C047","Conditional; inspect servicing contract and actual negotiating limits."],["G17","Claim purchaser/servicer","Purchase versus financial technical services distinction; C014, C040, C047","Conditional; inspect transfer and business model, applicable council/AML rules."],["G18","OAB reserved legal advice","Statutory boundary established; C007–C010","Supported/conditional; review scripts and speaker qualifications."],["G19","OAB admission/territorial status","Professional status separate from incorporation; C009","Conditional; use generic OAB category guidance and appropriate actual records only if separately authorized."],["G20","Other professional administration","CRA possible under technical administração financeira; C012–C013","Conditional; test atividade básica and regional current instruments."],["G21","Technical economic consultancy","CORECON possible; C012, C014, C040","Conditional; examine actual third-party services and regional interpretation."],["G22","Commercial nonprofit/association/free","No blanket immunity; C003, C007, C048","Conditional; inspect activities, remuneration source and claimed public role."],["G23","Public Procon/SNDC","Statutory public oversight/conciliation category; C023","Supported gateway; verify local powers/eligibility in each area."],["G24","Defensoria","Statutory public professional service; C024","Supported gateway; verify actual office remit/eligibility without private impersonation."],["G25","Lender/regulated financial institution","BCB financial authorization boundary; C015","Conditional; classify products, licensed institution and actual activities."],["G26","Correspondent-bank category","Institution-side, distinct from debtor adviser; C021","Pending body; obtain consolidated CMN 4.935 with amendments and actual contract."],["G27","Credit intermediary/referral","Facts change class; C015, C021","Pending body; isolate advertising, application submission, compensation and lender authority."],["G28","Fintech/software category","Actual functions control; C016–C017, C035","Conditional; map each tool and API/data/funds action."],["G29","Payment institution","Statutory definitions identified; C016–C017, C022","Pending body; reopen full BCB authorization rules and transitional exceptions."],["G30","Funds distributor/deposit/lending distinction","Ownership/financial-versus-payment nexus unresolved; C015–C017, C044","Pending body/facts; review bank custody structure, payment rail and BCB law."],["G31","COAF/AML obligations","Conditional listed activities; former specific rule revoked; C018–C020","Conditional; determine AML actor and current sector rule; do not treat Coaf registration as trade licence."],["G32","Extrajudicial mediator","Must be neutral, not merely partisan; C025","Supported/conditional; obtain bilateral appointment and conflicts facts."],["G33","Judicial mediator/conciliator","Court qualification/appointment class; C026","Pending local rules; reopen CNJ and tribunal instruments and verify appointment."],["G34","Judicial administrator","Actual court appointment; C030, C033","Supported gateway; identify specific procedure before representing authority."],["G35","Court representation/settlement","CPC/OAB distinct; C008, C027, C045","Supported/conditional; verify named representative’s role and powers."],["G36","Consumer court superendividamento","Natural-person, good-faith, excluded classes; C028–C030","Supported gateway; no eligibility/tool outcome without full procedures."],["G37","Minimum-existential current amount","Decree R$600 plus April 2026 STF qualification; C031–C032","Judgment-text pending; obtain dispositive/finality and later CMN actions."],["G38","Business recuperação/falência","Enterprise-specific class, not generic consumer path; C033","Supported gateway; full law/process deferred."],["G39","Civil insolvency","CPC transitional gateway discovered; C034","Partial; open current operative transitional/older law and case guidance before any route."],["G40","Domestic versus foreign remote nexus","OAB/financial/LGPD nexus varies by acts and place; C011, C035–C036","Conditional; obtain physical/service/payment/data nexus; foreign law not researched."],["G41","Foreign-law professional status","OAB Provimento 91 special category; C011","Supported narrow rule; verify place of foreign-law practice and sectional scope."],["G42","CNPJ/tax formation versus substantive permission","Distinct categories; C037, C048","Supported negative distinction; test exact occupation and each authorization."],["G43","Free call, certificate, membership, badge","Not independent permission; C048","Supported negative distinction; review actual advertised implication and legal class."],["G44","Entity versus individual registration","OAB individual, professional councils firm/person, BCB entities, court individuals/functions; C009, C012–C017, C026","Conditional; map actual responsible persons and entities."],["G45","Admissions versus mandate/appointment","Professional entry, institutional contract and court appointment distinct; C009, C021, C026, C047","Conditional; obtain instrument and effective date for each claimed capacity."],["G46","Financial, insurance, bond/security criteria","None generalized; C051","Deferred/pending; first classify specific financial/professional/public regime, then read applicable instrument."],["G47","Actual public agency costs","No supported generic figure; C051","Deferred; identify specific regulator/category and read current published fee schedule."],["G48","Read-only public verification","Appropriate official categories, no named searches; C009, C020–C022, C037, C048","Method given; no external records/people were checked."],["G49","Six-plus hypothetical classifications","H01–H11 with facts/adverse questions","Completed as conditional illustrations; no real client/license finding."],["G50","Territory inventory","26 states + DF from IBGE; C038–C039, C049","Units enumerated below; local clearance incomplete."],["G51","Status of amendments and expiry","Current/old/news/expired separated; C019, C031–C032, C041, C050","Partial; full CMN/BCB/CNJ/judgment and post-access changes need new pass."],["G52","Compensation/fee promises","General CDC gateway only; C003, C043","Deferred; read actual contracts, professional/consumer rules and local instruments."],["G53","Privacy/data processing","LGPD nexus identified; C035","Partial; classify roles, basis, notices, security/transfers in dedicated review."],["G54","No guaranteed creditor concession","Private mandate cannot compel; C046","Supported negative; creditor policy/authority never presumed."],["G55","No all-country/parent acceptance","C042, C049–C051","HOLD; separate independent review and local/contract/source completion required."]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["#","Named deferred family","Gateway reference/status","Exact next research action"],["D01","Debt products","C002, C015, C028–C029; Deferred","Enumerate consumer, revolving, payroll, secured, real-estate, rural and business products from current instrument and contract."],["D02","Enforceability and disputes","C007–C008; Deferred","Read substantive Civil Code, CDC and court authorities for contract validity and defenses with OAB boundary."],["D03","Collection communications and conduct","C003, C047; Deferred","Open operative CDC collection articles, applicable BCB collector rules and territorial enforcement materials."],["D04","Limitation, accrual and interruption","C004; Deferred","Map obligation types and current Civil Code/sector prescription, default and interruption authorities."],["D05","Credit reporting and correction","C003, C035; Deferred","Research CDC records, LGPD, cadastro-positive and bureau-specific current primary rules."],["D06","Repayment and settlement mechanics","C005–C006, C046; Deferred","Establish creditor assent, novation, release, payment effect and receipt formalities per obligation."],["D07","Creditor authority and participation","C029, C046–C047; Deferred","Distinguish voluntary consent, assigned-claim ownership, court summons and statutory nonappearance consequences."],["D08","Consumer fees, earning, timing, refunds and cancellation","C003, C043; Deferred","Read governing consumer/professional/local provisions and actual engagement/payment terms; no fee promise."],["D09","Actual engagement contracts and disclosures","C003–C006, C043; Deferred","Review specimen contracts, offer copy, procuração, conflict disclosures and consumer channels."],["D10","Client-money title, custody, safeguarding and execution","C015–C018, C022, C044; Pending body/deferred","Reopen BCB consolidated permission rules and classify full legal-account/processor funds path."],["D11","Tax","C037; Deferred","Determine provider legal form and taxation of actual fees/payments/forgiveness under Receita and state/municipal law."],["D12","Secured mortgage, property and vehicle","C029; Deferred","Read security-specific financing, registry, enforcement and release rules; no universal settlement assumption."],["D13","Guarantees and joint liability beyond capacity","C002, C006; Deferred","Analyze each guarantee/joint instrument and statutory defenses/remedies."],["D14","Government, tax, student, support and other public claims","C002, C028–C029; Deferred","Identify creditor sovereign/program category and enabling law; never generalize private-bank negotiation."],["D15","Court/service/default/judgment/appeal beyond capacity","C027, C030; Deferred","Map CPC, local procedure, notice, default and appeal rules in a separate litigation review."],["D16","Enforcement, garnishment, exemptions and protected income","C028–C032; Deferred","Read federal procedural and sector-specific attachment/exemption rules, plus local implementation."],["D17","Full superendividamento, repactuação, civil insolvency, recuperação and falência: eligibility, proceedings, forms, costs and adverse outcomes","C028–C034; Deferred","Separate comprehensive modules; obtain STF judgment/CMN compliance, CPC transitional acts and tribunal procedures."],["D18","Local public assistance","C023–C024, C039, C049; Deferred except narrow SP page","Read each Procon/Defensoria/CEJUSC programme law, jurisdiction, eligibility and accessible contact process."],["D19","Complaints, ombudsman and private remedies","C003, C023; Deferred","Research CDC sanctions, SNDC/B​CB/OAB/consumer complaint channels, standing and remedies."],["D20","Insurance, securities and FX boundaries","C015, C018; Deferred","Determine whether any actual feature is insurance brokerage, investments, foreign exchange or remittance, then read regulator texts."],["D21","Fraud and impersonation","C003, C024, C048; Deferred","Research Brazilian consumer/criminal/administrative prohibitions and verification wording, avoiding invented offense classifications."],["D22","Cross-border law, jurisdiction, recognition and assets","C035–C036; Deferred","Research Brazilian PIL/jurisdiction/enforcement and each relevant foreign system independently; none imported."],["D23","Language and accessibility","C003, C049; Deferred","Check national consumer accessibility rules and local language/service implementation for targeted audiences."],["D24","Current consolidation and later amendments","C019, C022, C032, C041, C050; Partial","Reopen every consequential official consolidated body, 2026 judgment and post-Oct26 normative changes; distinguish commencement."],["D25","Full-country / A097 / A098 acceptance","C042, C049–C051; HOLD","Require coordinator’s independent source reopening, coverage audit, contract/funds review and all locality gates before acceptance."]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Unit","Local primary material actually read","National reach and exact remaining local question/action"],["Acre (AC)","NONE","C001/C023 national only. Read AC consumer/Procon rules, relevant CRA/CORECON practice, court/CEJUSC and municipal service/advertising measures; determine language-access obligations for proposed location."],["Alagoas (AL)","NONE","National only. Read AL Procon organization and private advisory enforcement, professional councils and local CEJUSC/Defensoria acts; check target municipality and language accessibility."],["Amapá (AP)","NONE","National only. Obtain AP public consumer-body powers, occupational-council rules and tribunal mediation implementation; check specific municipal application/language needs."],["Amazonas (AM)","NONE","National only. Examine AM Procon/Defensoria authority, local professional registration and court implementation; assess municipality and remote/linguistic delivery facts."],["Bahia (BA)","NONE","National only. Read BA consumer-service enforcement, CRA/CORECON and TJBA mediation regulations; identify relevant municipality and accessibility/language rules."],["Ceará (CE)","NONE","National only. Read CE Procon and consumer-conciliation acts, pertinent councils and TJCE rules; check local operating municipality and language obligations."],["Distrito Federal (DF)","NONE","National only. Read DF consumer authority and professional-council instruments, TJDFT/CEJUSC and local DF service rules; identify service channel/language duties."],["Espírito Santo (ES)","NONE","National only. Read ES Procon and professional technical-service rules, TJES implementation and proposed municipal requirements; test accessibility."],["Goiás (GO)","NONE","National only. Read GO Procon/consumer service provisions, CRA/CORECON scope and TJGO court mediation rules; identify actual municipality and language issues."],["Maranhão (MA)","NONE","National only. Obtain MA Procon public/private-service framework, professional council and TJMA/Defensoria measures; check proposed locality and accessibility."],["Mato Grosso (MT)","NONE","National only. Read MT consumer-adviser enforcement, relevant regional councils and TJMT conciliation arrangements; determine municipal and linguistic nexus."],["Mato Grosso do Sul (MS)","NONE","National only. Read MS Procon, professional council and TJMS implementing materials; assess municipality, border/remote facts and relevant language accessibility."],["Minas Gerais (MG)","NONE","National only. Open MG consumer protection and potential provider practices, CRA/CORECON and TJMG/CEJUSC authorities; inspect municipality and language duties."],["Pará (PA)","NONE","National only. Read PA consumer/public-assistance provisions, professional council interpretations and TJPA rules; determine specific municipal and language-access conditions."],["Paraíba (PB)","NONE","National only. Read PB Procon and private paid-service issues, CRA/CORECON and TJPB procedural implementation; evaluate municipality and accessibility."],["Paraná (PR)","NONE","National only. Read PR Procon/consumer enforcement, professional registrations and TJPR conciliation rules; assess proposed municipality and language options."],["Pernambuco (PE)","NONE","National only. Obtain PE Procon, CRA/CORECON and TJPE court/programme materials; check local business-service and accessibility requirements."],["Piauí (PI)","NONE","National only. Read PI consumer-authority and professional council acts, TJPI mediation and municipal operation; check language accessibility."],["Rio de Janeiro (RJ)","NONE","National only. Review RJ state consumer/Procon measures, CRA/CORECON professional-service treatment, TJRJ/CEJUSC rules and relevant municipal requirements."],["Rio Grande do Norte (RN)","NONE","National only. Read RN consumer agency powers, local councils, TJRN mediation and municipality-specific requirements; test accessibility/language."],["Rio Grande do Sul (RS)","NONE","National only. Obtain RS Procon/consumer framework, professional councils and TJRS implementation; determine municipal and language-access effects."],["Rondônia (RO)","NONE","National only. Read RO Procon and council practice, TJRO court/Defensoria arrangements and applicable municipality; check delivery language."],["Roraima (RR)","NONE","National only. Read RR consumer/Procon and professional rules, TJRR mediation and municipal implementation; examine multilingual and remote-service needs."],["Santa Catarina (SC)","NONE","National only. Read SC Procon and professional council requirements, TJSC conciliation and proposed municipality; verify accessibility/language rules."],["São Paulo (SP)","S029 CORECON-SP professional guidance; S030 PROCON-SP PAS service charter. Neither is a full local legislative review.","C039–C040 narrow local findings only. Still read SP state/private-service consumer law, CRA scope, TJSP current CEJUSC rules, each relevant municipal Procon/business rule, language/accessibility; resolve apparent wider PAS service audience versus CDC natural-person statutory class without conflating them."],["Sergipe (SE)","NONE","National only. Read SE Procon/consumer enforcement, CRA/CORECON and TJSE court/public assistance material; check operating municipality and accessibility."],["Tocantins (TO)","NONE","National only. Read TO Procon and professional service rules, TJTO/Defensoria implementation and municipality; verify linguistic/accessibility duties."]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Reconciliation item","Actual result and limitation"],["Access method","Ordinary primary-source web browsing; no Deep Research, subagents, Work execution, accounts or private records."],["Research dates","Baseline October 22, 2026. Actual source access October 26, approximately 16:54–17:08 PDT; crossed UTC midnight into October 27."],["Primary legal source method","Opened Portuguese Planalto/OAB/COAF and other competent official bodies at relevant provisions, translated/paraphrased material distinctions into English."],["Access gaps","Current full BCB CMN 4.935, BCB 494 and associated operative payment/correspondent consolidations inaccessible through tested interfaces; CNJ current consolidated page inaccessible; STF full judgment not read."],["Version control","2021 CDC amendment traced; 2023 essential-minimum amendment traced; 2026 STF announcement distinguished from judgment; 2020 COAF revocation traced; 2026 expired MP excluded; 2025/2026 BCB changes remain unverified."],["Source register","40 individually displayed S001–S040 rows, including failed/index-only entries. No indexed source promoted silently into opened operative authority."],["Claim register","51 individually displayed C001–C051 claims. All expressly bounded negatives identify uncertainty."],["Hypotheticals","11 invented H01–H11; each identifies controlling difference, claim/source IDs, documents, adverse branch and an exact next question."],["Gateway coverage","55 individually displayed G01–G55 issue rows, including authorization, professional, consumer, financial, public, cross-border, verification and publication questions."],["Broader deferred coverage","25 individually displayed D01–D25 rows, each with its own research action."],["Territorial coverage","27 individually displayed jurisdiction rows: 26 states and DF. Only São Paulo local guidance read; no full state or municipality cleared."],["Locality/contract limits","No actual engagement, creditor contract, court appointment, individual licence, public aid eligibility, funds account or site analytics."],["Cross-border limits","No foreign legal system researched or adopted; no foreign permission passport established."],["Quantitative check","No licensing-price or expected-settlement arithmetic invented. The source-backed R$600 decree figure and five-year judicial-plan horizon were kept separate from commercial fees, admission costs and promises; exact current STF effects remain pending."],["Independence","This is the researcher’s self-check, not an independent legal or editorial review."]]}],"claims":[{"claim_id":"C_BR-P01-C001","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C001","Route; exact atomic proposition, conditions and consequence":"A098. Union civil/commercial/financial/profession competence coexists with state/DF consumer and municipal local/supplementary competences. No federal-only locality clearance follows.","Primary source and pinpoint; limit":"S001 arts. 22, 24, 30."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C002","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C002","Route; exact atomic proposition, conditions and consequence":"A098. CDC ordinary consumidor final-recipient class includes physical/legal persons; special 54-A overindebtedness class specifically natural-person good-faith consumer. Transaction purpose must be tested.","Primary source and pinpoint; limit":"S002 arts. 2–3, 54-A §1."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C003","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C003","Route; exact atomic proposition, conditions and consequence":"A097. Paid service can be a CDC supply of service, with consumer rights and liability attached where applicable; free initial consultation is not a blanket exception.","Primary source and pinpoint; limit":"S002 arts. 3 §2, 6, 14, 46–49."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C004","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C004","Route; exact atomic proposition, conditions and consequence":"A097. Civil mandato permits representation to perform acts/administration, depending on real agreement and powers. It is not sector licensure.","Primary source and pinpoint; limit":"S004 arts. 653–660."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C005","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C005","Route; exact atomic proposition, conditions and consequence":"A097. General mandate is insufficient to transigir; special express powers needed for compromise.","Primary source and pinpoint; limit":"S004 art. 661 §1."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C006","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C006","Route; exact atomic proposition, conditions and consequence":"A097. Excess acts may not bind principal absent ratification; acting in own name changes liability.","Primary source and pinpoint; limit":"S004 arts. 662–663."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C007","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C007","Route; exact atomic proposition, conditions and consequence":"A097. Brazilian consultoria, assessoria e direção jurídicas are reserved advocacy activities; ordinary nonlegal facts are not categorically identical.","Primary source and pinpoint; limit":"S005 art. 1(II), arts. 3–4; exact script determines application."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C008","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C008","Route; exact atomic proposition, conditions and consequence":"A097. Judicial postulation and attorney legal capacity are separately controlled.","Primary source and pinpoint; limit":"S005 arts. 1, 3–5; S006 arts. 103–105; statutory exceptions must be respected."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C009","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C009","Route; exact atomic proposition, conditions and consequence":"A097. Attorney OAB admission and territorial principal/supplementary registration conditions depend on actual practice.","Primary source and pinpoint; limit":"S005 arts. 8, 10; individual status not checked."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C010","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C010","Route; exact atomic proposition, conditions and consequence":"A097. Reserved-activity practice/advertising cannot be presumed permissible as an adjunct to another business.","Primary source and pinpoint; limit":"S005 art. 1 §3 and arts. 3–4; fact-specific professional review."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C011","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C011","Route; exact atomic proposition, conditions and consequence":"A097. OAB-regulated foreign-law consultancy in Brazil is restricted to applicable foreign law and not Brazilian legal advice or postulation.","Primary source and pinpoint; limit":"S018 arts. 1–2, 7; S019 art. 3. Not a general foreign-budget-adviser passport."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C012","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C012","Route; exact atomic proposition, conditions and consequence":"A097. Professional council company registration turns on atividade básica or third-party service actually provided.","Primary source and pinpoint; limit":"S022 art. 1; no blanket answer for every budget coach."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C013","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C013","Route; exact atomic proposition, conditions and consequence":"A097. Specified administração financeira technical professional acts implicate professional administration practice rules.","Primary source and pinpoint; limit":"S023 arts. 2–3, 6–8; CRA applicability to exact offering unresolved."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C014","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C014","Route; exact atomic proposition, conditions and consequence":"A097. Registered economist profession and entities carrying technical economic/financial services may require CORECON status.","Primary source and pinpoint; limit":"S024 arts. 1, 6, 14 and sole paragraph; S022 art. 1."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C015","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C015","Route; exact atomic proposition, conditions and consequence":"A097. Activities of financial resource collection, intermediation, application or custody can engage financial-institution permission rules.","Primary source and pinpoint; limit":"S014 arts. 17–18; actual product and BCB scope unresolved."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C016","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C016","Route; exact atomic proposition, conditions and consequence":"A097. Instituição de pagamento functions are defined by payment accounts, initiation/transfers, remittances and related payment work.","Primary source and pinpoint; limit":"S015 art. 6(III)–(VI)."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C017","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C017","Route; exact atomic proposition, conditions and consequence":"A097. BCB regulatory authority and statutory exceptions are activity- and implementing-rule-dependent; no “trust account” exemption established.","Primary source and pinpoint; limit":"S015 arts. 6 §§2–4, 9; S017 full rule unavailable."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C018","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C018","Route; exact atomic proposition, conditions and consequence":"A097. AML-obliged categories include listed financial actors and adviser involvement in specified transactions, subject to identification/control/reporting provisions.","Primary source and pinpoint; limit":"S025 arts. 9–11; does not include every bare budgeting conversation by assertion."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C019","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C019","Route; exact atomic proposition, conditions and consequence":"A098. Former COAF Resolution 24/2013 is revoked and cannot serve as current registration procedure.","Primary source and pinpoint; limit":"S026 arts. 1–2, effective DOU April 16, 2020."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C020","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C020","Route; exact atomic proposition, conditions and consequence":"A098. Current COAF registration/supervision guidance relates to covered activities; registry status does not prove occupational permission.","Primary source and pinpoint; limit":"S025 arts. 9, 10(IV), 14; S027–S028 guidance."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C021","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C021","Route; exact atomic proposition, conditions and consequence":"A097. An institutional correspondente is categorically different from independent debtor advice; exact current contracting/activity requirements remain unverified.","Primary source and pinpoint; limit":"S016 indexed art. 1–4; S039 PDF failed. Provisional classification only."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C022","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C022","Route; exact atomic proposition, conditions and consequence":"A098. 2025/2026 BCB payment authorization transitions cannot be conclusively applied without operative Resolution 494 and related consolidated norms.","Primary source and pinpoint; limit":"S017 indexed only; S040 failed. Publication hold."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C023","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C023","Route; exact atomic proposition, conditions and consequence":"A098. SNDC/Procon public oversight involves federal, state/DF, municipal and relevant civil bodies, distinct from a private provider licence.","Primary source and pinpoint; limit":"S002 arts. 55, 105; S009 arts. 2–4, 9."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C024","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C024","Route; exact atomic proposition, conditions and consequence":"A098. Defensoria’s constitutional/statutory public legal assistance and office-derived capacities cannot be inferred from a private nonprofit title.","Primary source and pinpoint; limit":"S001 art. 134; S008 arts. 1, 4, 106–108."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C025","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C025","Route; exact atomic proposition, conditions and consequence":"A097. Extrajudicial mediation requires neutral third-party function, with legally distinct qualifications from partisan negotiation.","Primary source and pinpoint; limit":"S007 arts. 1, 4–6, 9–10."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C026","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C026","Route; exact atomic proposition, conditions and consequence":"A098. Judicial mediation/conciliation follows court-centre, qualifications, registration and remuneration instruments.","Primary source and pinpoint; limit":"S006 arts. 165–169; S007 arts. 11–13; S037 current CNJ amendments unopened."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C027","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C027","Route; exact atomic proposition, conditions and consequence":"A097. Court representation and judicial settlement/receipt powers require applicable attorney and express procedural mandate, subject to exceptions.","Primary source and pinpoint; limit":"S006 arts. 103–105; S005 art. 5."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C028","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C028","Route; exact atomic proposition, conditions and consequence":"A098. CDC superendividamento covers specified good-faith natural-person consumer inability while preserving essential minimum, not every company or guaranty.","Primary source and pinpoint; limit":"S002 art. 54-A §§1–3."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C029","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C029","Route; exact atomic proposition, conditions and consequence":"A098. CDC art. 104-A describes judge/accredited-conciliator court route and five-year proposal; excludes expressly identified debt types/bad-faith cases.","Primary source and pinpoint; limit":"S002 art. 104-A caput and §§1–3; not private creditor-consent rule."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C030","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C030","Route; exact atomic proposition, conditions and consequence":"A098. CDC arts. 104-B/C supply further judicial/public conciliation possibilities; judicial administrator derives from appointment.","Primary source and pinpoint; limit":"S002 arts. 104-B/C; exact procedure deferred."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C031","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C031","Route; exact atomic proposition, conditions and consequence":"A098. Current published decree text sets mínimo existencial at R$600 after 2023 amendment, not a provider fee.","Primary source and pinpoint; limit":"S010 art. 3; S011 arts. 1–4. Judicial/current amendment qualification C032."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C032","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C032","Route; exact atomic proposition, conditions and consequence":"A098. STF reported April 23, 2026 annual CMN review requirement and nonexclusion of crédito consignado from minimum.","Primary source and pinpoint; limit":"S012 official announcement; S013 judgment full text not read; exact effect/modulation reserved."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Supported ONLY as datedSTFannouncement; no fulljudgment effects/finality/modulation/CMNcompliance certified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C033","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C033","Route; exact atomic proposition, conditions and consequence":"A098. Lei 11.101 applies to its enterprise debtor classes and court administrator appointment.","Primary source and pinpoint; limit":"S021 arts. 1–3, 21. No consumer universal transfer."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C034","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C034","Route; exact atomic proposition, conditions and consequence":"A098. CPC transitional civil-insolvency link exists, but full individual capacity/process not established.","Primary source and pinpoint; limit":"S006 art. 1.052."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C035","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C035","Route; exact atomic proposition, conditions and consequence":"A097. LGPD geographic applicability can involve Brazilian data processing/offering or individuals in Brazil.","Primary source and pinpoint; limit":"S020 art. 3, with art. 4 exceptions; does not confer sector authorization."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C036","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C036","Route; exact atomic proposition, conditions and consequence":"A098. Neither a foreign-remote exemption nor foreign-licence passport was proven; Brazilian professional/financial/data nexus must be classified by actual acts.","Primary source and pinpoint; limit":"S001, S005, S014–S015, S018, S020; bounded inference, unresolved facts, not a statutory blanket ban."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C037","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C037","Route; exact atomic proposition, conditions and consequence":"A097. CNPJ and business registration evidence identity/status but not independent rights to reserved/regulated acts.","Primary source and pinpoint; limit":"S032–S033 guidance contrasted with S005, S014–S015, S022."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C038","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C038","Route; exact atomic proposition, conditions and consequence":"A098. Official IBGE current response identifies the separately listed 26 states and DF.","Primary source and pinpoint; limit":"S031 entire JSON response, access Oct. 26, 2026."},"raw_table_index":5,"coordinator_verification_status":"raw_researcher_API_attribution_and_displayed_list_only_current_body_replacement_held","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"APIendpointnotreinvoked; ordinaryIBGEbodyandonealternate403.27namedrows and26+1arithmeticcheckedlocally; nofreshofficialterritorialbodycurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C039","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C039","Route; exact atomic proposition, conditions and consequence":"A098. PROCON-SP offers PAS/NTS with CEJUSC cooperation and describes an intake audience broader than statutory CDC 54-A natural-person class.","Primary source and pinpoint; limit":"S030 §8 “Programa de Apoio ao Superendividado”; service charter, not statutory expansion."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C040","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C040","Route; exact atomic proposition, conditions and consequence":"A098. CORECON-SP interpretation distinguishes technical credit-account management for third parties from pure own-account claim purchase under main-activity analysis.","Primary source and pinpoint; limit":"S029 “Empresas de Fomento Mercantil ou Factoring”; regional interpretation."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C041","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C041","Route; exact atomic proposition, conditions and consequence":"A098. MP 1.355/2026 expired under official congressional declaration; it is not adopted as current authority.","Primary source and pinpoint; limit":"S038 Ato Declaratório 89/2026."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C042","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C042","Route; exact atomic proposition, conditions and consequence":"A097. A bounded search did not identify a universal, dedicated federal debtor-paid settlement adviser permission; activity-specific branches remain.","Primary source and pinpoint; limit":"Negative finding from S001–S028 plus S032–S037; incomplete full BCB bodies, local law and contracts make absolute “unregulated” conclusion impermissible."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C043","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C043","Route; exact atomic proposition, conditions and consequence":"A098. No general adviser fee ceiling, fee-earned trigger, refund or cancellation outcome is concluded.","Primary source and pinpoint; limit":"S002 arts. 6, 46–49 provide general consumer gateway; precise regimes/contracts not researched."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C044","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C044","Route; exact atomic proposition, conditions and consequence":"A097. Client-money ownership, safeguards, execution and any financial/payment exception need actual account and flow facts.","Primary source and pinpoint; limit":"S004 arts. 653–663; S014–S015; S017 pending. No completed clearance."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C045","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C045","Route; exact atomic proposition, conditions and consequence":"A097. Judicial compromise, receipt and giving discharge require separate specified mandate authority.","Primary source and pinpoint; limit":"S006 art. 105; S004 art. 661 §1."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C046","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C046","Route; exact atomic proposition, conditions and consequence":"A098. Adviser mandate alone does not compel creditor acceptance; CDC court-specific creditor consequences cannot be generalized.","Primary source and pinpoint; limit":"S004 arts. 653, 662; S002 art. 104-A §2 context."},"raw_table_index":5,"coordinator_verification_status":"selected_primary_or_official_report_supported_with_scope_limits","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C047","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C047","Route; exact atomic proposition, conditions and consequence":"A097. Creditor/servicer/own-claim purchaser authority is legally distinct from a debtor-side mandate.","Primary source and pinpoint; limit":"S004 arts. 653–663; S029 factoring distinction; actual creditor contracts not supplied."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C048","area_numbers":[97],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C048","Route; exact atomic proposition, conditions and consequence":"A097. Course badge, private association, free entry call or CNPJ alone supplies no professional/sector/public appointment.","Primary source and pinpoint; limit":"S005, S008, S014–S015, S022–S024, S032; inference limited to named predicates."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Only source-checks selected bodies verified; no all-source reproduction, realprovider qualification or exhaustivecurrentness.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C049","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C049","Route; exact atomic proposition, conditions and consequence":"A098. One São Paulo local public-service/council interpretation was read; no comprehensive state, municipal, tribunal or language clearance was done there or elsewhere.","Primary source and pinpoint; limit":"S029–S030; S031 geography."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"},{"claim_id":"C_BR-P01-C050","area_numbers":[98],"area_assignment_method":"explicit_actual_researcher_claim_route_reconciled","researcher_record":{"Claim ID":"C050","Route; exact atomic proposition, conditions and consequence":"A098. 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No evidenced uniform agency fee, bond, minimum capital, insurance cost or permission time can be numerically illustrated for an unclassified debtor adviser.","Primary source and pinpoint; limit":"Bounded absence across opened gateway sources; future category-specific official instrument required."},"raw_table_index":5,"coordinator_verification_status":"traceability_and_explicit_reported_or_unresolved_limits_preserved","original_area_numbers_before_scoped_review":[97,98],"coordinator_review":"Actualpendingbody/limitednegative/territorial/currentnessorabsencebound retained; noabsoluteunregulated/permission/exemption or no-law conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00"}],"sources":[{"source_id":"C_BR-P01-S001","urls":["https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm"],"researcher_record":{"ID":"C_BR-P01-S001","Full official source and literal direct URL":"Constituição da República Federativa do Brasil, Presidência da República, compiled. https://planalto.gov.br/ccivil_03/constituicao/constituicaocompilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 22(I),(VII),(XVI); 24(V),(VIII); 30(I),(II); 134. 1988 Constitution, compiled text read; later amendment exhaustiveness not certified."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S002","urls":["https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm"],"researcher_record":{"ID":"S002","Full official source and literal direct URL":"Lei 8.078/1990, Código de Defesa do Consumidor, Presidência, compiled. https://planalto.gov.br/ccivil_03/leis/l8078compilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 2–3, 6, 14, 46–49, 54-A–D, 55, 104-A–C, 105. 1990 enactment; later 2021 superendividamento text included; full later amendment audit pending."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"SelectedCDC2-3,54-A(1)-(3),104-A(1)-(5),104-B/C and105. 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Enacted 2021, traced into S002; legislative origin, not substituted for current compiled CDC."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S004","urls":["https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm"],"researcher_record":{"ID":"S004","Full official source and literal direct URL":"Lei 10.406/2002, Código Civil, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/leis/2002/l10406compilada.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 653–663, notably 654, 657–658, 661 §§1–2, 662–663. 2002 enactment, consolidated read."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Selected CivilCode653-663 including special express661powers,662ratification and663own-name liability. Adjacent667-679also read; no fullcontract certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S005","urls":["https://planalto.gov.br/ccivil_03/leis/l8906.htm"],"researcher_record":{"ID":"S005","Full official source and literal direct URL":"Lei 8.906/1994, Estatuto da Advocacia e da OAB, Presidência. https://planalto.gov.br/ccivil_03/leis/l8906.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1, 3–5, 8, 10; amendments visible including Lei 14.365/2022. OAB admission and reserved-work scope; current full disciplinary instruments not exhausted."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Selected OAB1,3-5,8body; regulated trainee exception3(2), speciallegaladvice5(4) and limits preserved. 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Original 2022; amended by S011; some text rendered with strikeouts; art. 4 interpretation affected by S012; full dispositive judicial effects pending."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S011","urls":["https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm"],"researcher_record":{"ID":"S011","Full official source and literal direct URL":"Decreto 11.567/2023, amendment to Decreto 11.150, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/decreto/d11567.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1–4. Published June 20, 2023; art. 4 states effect upon publication; R$600 and repeal of specified earlier paragraph."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Entire2023decree1-4 andDOUpublication20June2023;600monthly figure andentryonpublication. 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Paragraphs on annual CMN review, consignado and R$600."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Full23April2026officialSTFnews body: annualCMNparameter-review and majorityconsignado report. 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Docket identifier is not independent proof of precise judgment effects."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S014","urls":["https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm"],"researcher_record":{"ID":"S014","Full official source and literal direct URL":"Lei 4.595/1964, financial system law, Presidência, compiled. https://planalto.gov.br/ccivil_03/leis/l4595compilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 17–18. Enacted 1964, later amendments compiled; activity-specific BCB implementation not all read."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Selectedfinancialinstitution17-18 withindividualequivalence/authorizationcontext. Full BCBoperative modalities/foreignstatutorychanges and application held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S015","urls":["https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm"],"researcher_record":{"ID":"S015","Full official source and literal direct URL":"Lei 12.865/2013, payments law, Presidência. https://www.planalto.gov.br/ccivil_03/_ato2011-2014/2013/lei/l12865.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, art. 6(I)–(VI), §§2–4 and art. 9. 2013 enactment; amended exemptions visible; current BCB implementing detail outstanding."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Selectedpayments6(I)-(VI),(2)-(6),9/10; currentness notes andstatutoryBCBexceptionpower read, not actual implementingexemption or permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S016","urls":["https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN"],"researcher_record":{"ID":"S016","Full official source and literal direct URL":"Resolução CMN 4.935/2021, Banco Central do Brasil official normative interface. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=4935&tipo=RESOLU%C3%87%C3%83O+CMN","Actual body/pinpoint; date, commencement and currentness limits":"I/F, indexed provisions including arts. 1–4 and institutional correspondence; full dynamic operative body returned essentially no text. Dated 2021 with 2025 amendment indicated; current consolidation and effective transition not validated."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S017","urls":["https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB"],"researcher_record":{"ID":"S017","Full official source and literal direct URL":"Resolução BCB 494/2025, Banco Central do Brasil official normative interface. https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?numero=494&tipo=Resolu%C3%A7%C3%A3o+BCB","Actual body/pinpoint; date, commencement and currentness limits":"I/F, indexed amendment to payment-institution authorizations, including transitional references for 2026; full body not opened. 2025 issuance; precise operative consolidation, exceptions and deadlines hold."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S018","urls":["https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000"],"researcher_record":{"ID":"S018","Full official source and literal direct URL":"OAB Provimento 91/2000, Conselho Federal da OAB. https://www.oab.org.br/leisnormas/legislacao/provimentos/91-2000","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1–2, 7. Issued March 13, 2000; OAB-hosted amended text. Foreign-law consultancy in Brazil only, not Brazilian law."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S019","urls":["https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002"],"researcher_record":{"ID":"S019","Full official source and literal direct URL":"OAB Provimento 99/2002, Conselho Federal da OAB. https://www.oab.org.br/leisnormas/legislacao/provimentos/99-2002","Actual body/pinpoint; date, commencement and currentness limits":"R, art. 3 concerning foreign-law consultants in OAB records. 2002 act, current OAB-hosted text; individual admissions not searched."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S020","urls":["https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm"],"researcher_record":{"ID":"S020","Full official source and literal direct URL":"Lei 13.709/2018, Lei Geral de Proteção de Dados, Presidência, compiled. https://planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709compilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 3–4. 2018 enactment, subsequent amendments including visible 2026 changes; full implementation/regulatory audit deferred."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S021","urls":["https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm"],"researcher_record":{"ID":"S021","Full official source and literal direct URL":"Lei 11.101/2005, business recuperação/falência law, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/_ato2004-2006/2005/lei/l11101compilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1–3, 21. 2005 enactment with subsequent amendments; debtor-category gateway only."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S022","urls":["https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao"],"researcher_record":{"ID":"S022","Full official source and literal direct URL":"Lei 6.839/1980, registration of businesses with professional councils, Presidência. https://www.planalto.gov.br/ccivil_03/leis/l6839.htm?origin=instituicao","Actual body/pinpoint; date, commencement and currentness limits":"R, art. 1. Enacted 1980; main-activity/service criterion; no regional case-specific decision read."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Complete1-3 main-activity/third-party-service registration law andDOU3Nov1980entrylink. ExactCRA/CORECONapplication andlocalinterpretations held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S023","urls":["https://planalto.gov.br/ccivil_03/leis/l4769.htm"],"researcher_record":{"ID":"S023","Full official source and literal direct URL":"Lei 4.769/1965, professional administration law, Presidência. https://planalto.gov.br/ccivil_03/leis/l4769.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 2–3 and council provisions. 1965 enacted body; historical wording and later professional-title regulations not exhaustively reconstructed."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S024","urls":["https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm"],"researcher_record":{"ID":"S024","Full official source and literal direct URL":"Lei 1.411/1951, economist profession/council law, Presidência. https://planalto.gov.br/ccivil_03/leis/1950-1969/l1411.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1, 6, 14 and sole paragraph. 1951 law with visible repealed/revised passages; application to exact consultancy requires professional analysis."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S025","urls":["https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm"],"researcher_record":{"ID":"S025","Full official source and literal direct URL":"Lei 9.613/1998, money laundering and AML obligations, Presidência, compiled. https://www.planalto.gov.br/ccivil_03/leis/l9613compilado.htm","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 9 caput and sole paragraph(XIV), 10–11, 14. Enacted 1998, amendments including 2026 visible; whether specific hypothetical transaction meets listed operation still unresolved."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S026","urls":["https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020"],"researcher_record":{"ID":"S026","Full official source and literal direct URL":"Resolução COAF 34/2020, COAF. https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao/supervisao/normas-de-mera-alteracao-ou-revogacao/resolucao-no-34-de-15-de-abril-de-2020","Actual body/pinpoint; date, commencement and currentness limits":"R, arts. 1–2. Enters into force on publication, officially noted April 16, 2020. Web-page upload in July 2021 not commencement. Repeals Resolution 24/2013."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"FullCOAF34/2020arts1-2body/officialDOU16April2020note; pageupload2021notentrydate. No repeal ofunderlyingAMLstatute inferred.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S027","urls":["https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao"],"researcher_record":{"ID":"S027","Full official source and literal direct URL":"COAF, Regulação—current directly supervised sector guidance. https://www.gov.br/coaf/pt-br/acesso-a-informacao/Institucional/a-atividade-de-supervisao/regulacao","Actual body/pinpoint; date, commencement and currentness limits":"O, present official guidance body read; identifies sector-specific COAF supervision. Not occupational-licensing legislation."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S028","urls":["https://www.gov.br/coaf/pt-br/sistemas/siscoaf/Cadastro_no_Coaf"],"researcher_record":{"ID":"S028","Full official source and literal direct URL":"COAF, Cadastro no Coaf. https://www.gov.br/coaf/pt-br/sistemas/siscoaf/Cadastro_no_Coaf","Actual body/pinpoint; date, commencement and currentness limits":"O, official guidance read; page showed modification October 5, 2026. Registration obligation/category guidance, not proof of trade authorization."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S029","urls":["https://coreconsp.gov.br/tipos-de-sociedades/"],"researcher_record":{"ID":"S029","Full official source and literal direct URL":"Conselho Regional de Economia de São Paulo, Tipos de Sociedades. https://coreconsp.gov.br/tipos-de-sociedades/","Actual body/pinpoint; date, commencement and currentness limits":"O, technical council guidance, especially “Empresas de Fomento Mercantil ou Factoring,” third-party advisory versus outright own-account purchase. Regional explanatory interpretation, not general Brazilian law by itself."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S030","urls":["https://www.procon.sp.gov.br/carta-de-servicos/"],"researcher_record":{"ID":"S030","Full official source and literal direct URL":"Fundação PROCON-SP, Carta de Serviços. https://www.procon.sp.gov.br/carta-de-servicos/","Actual body/pinpoint; date, commencement and currentness limits":"O, §8, Programa de Apoio ao Superendividado, audience and joint NTS/CEJUSC service description; São Paulo local service guidance read, not private provider licence law."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S031","urls":["https://servicodados.ibge.gov.br/api/v1/localidades/estados"],"researcher_record":{"ID":"S031","Full official source and literal direct URL":"Instituto Brasileiro de Geografia e Estatística, official states endpoint. https://servicodados.ibge.gov.br/api/v1/localidades/estados","Actual body/pinpoint; date, commencement and currentness limits":"R, actual full JSON array of federation units; 26 states plus Distrito Federal enumerated below. Live official administrative classification checked Oct. 26."},"raw_table_index":4,"coordinator_verification_status":"historical_researcher_API_source_preserved_not_reinvoked","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Researcherraw cites publicIBGEAPIendpoint despite ownernoAPIworkflow. Coordinator didnotinvoke endpoint. OrdinaryIBGEterritorialpage+oneofficialmapalternateboth403; nofreshbody/count/namecertification fromsearchsnippets.27displayedrows countedlocally; geographycurrentness remainsheld.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S032","urls":["https://www.gov.br/receitafederal/pt-br/assuntos/orientacao-tributaria/cadastros/cnpj"],"researcher_record":{"ID":"S032","Full official source and literal direct URL":"Receita Federal, Cadastro Nacional da Pessoa Jurídica (CNPJ). https://www.gov.br/receitafederal/pt-br/assuntos/orientacao-tributaria/cadastros/cnpj","Actual body/pinpoint; date, commencement and currentness limits":"O, generic official register guidance read; a tax/business identity category, not occupational permit."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S033","urls":["https://www.gov.br/empresas-e-negocios/pt-br/redesim/comprovantes/"],"researcher_record":{"ID":"S033","Full official source and literal direct URL":"Redesim, Comprovantes. https://www.gov.br/empresas-e-negocios/pt-br/redesim/comprovantes/","Actual body/pinpoint; date, commencement and currentness limits":"O, official CNPJ/status guidance read, not a sector authorization."},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_and_reported_access_only","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Actualsavedrow, literalURL, subject/pinpoint and explicitresearcheraccess/currentness limits reconciled; bodynotfreshlycertified bycoordinator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S034","urls":["https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao"],"researcher_record":{"ID":"S034","Full official source and literal direct URL":"Banco Central, Encontre uma instituição. https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao","Actual body/pinpoint; date, commencement and currentness limits":"I, official register discovery information; no named lookup, no full interactive record."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S035","urls":["https://consulta.oab.org.br/"],"researcher_record":{"ID":"S035","Full official source and literal direct URL":"OAB, Cadastro Nacional dos Advogados. https://consulta.oab.org.br/","Actual body/pinpoint; date, commencement and currentness limits":"I, dynamic generic entry displayed loading; no named lookup or record read."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S036","urls":["https://www.bcb.gov.br/estabilidadefinanceira/correspondentes_pais"],"researcher_record":{"ID":"S036","Full official source and literal direct URL":"Banco Central, Correspondentes no País. https://www.bcb.gov.br/estabilidadefinanceira/correspondentes_pais","Actual body/pinpoint; date, commencement and currentness limits":"I/F, official category page/index found; dynamic full page not substantively readable. No register records queried."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S037","urls":["https://atos.cnj.jus.br/atos/detalhar/156"],"researcher_record":{"ID":"S037","Full official source and literal direct URL":"CNJ, Resolução 125/2010 and amendments, official Atos interface. https://atos.cnj.jus.br/atos/detalhar/156","Actual body/pinpoint; date, commencement and currentness limits":"I/F, official indexed description suggested 2026 amendments; full page returned access error. Tribunal-specific implementation cannot rely on this unopened body."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S038","urls":["https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/congresso/adc-89-mpv1.355.htm"],"researcher_record":{"ID":"S038","Full official source and literal direct URL":"Congresso Nacional, Ato Declaratório 89/2026 concerning MP 1.355/2026. https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/congresso/adc-89-mpv1.355.htm","Actual body/pinpoint; date, commencement and currentness limits":"E/R, dated September 2026 official expiry declaration, body read. The expired MP is not October 2026 operative authority."},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"FullcongressionalAct89/2026body: MP1355effectiveness ended31Aug2026; declaration4Sept/DOU8Sept. No blanketstatement aboutlaterlegislation/replacementprogramme.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S039","urls":["https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=02%2F08%2F2021&jornal=515&pagina=23"],"researcher_record":{"ID":"S039","Full official source and literal direct URL":"Diário Oficial da União PDF, original CMN Resolution 4.935 publication. https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=02%2F08%2F2021&jornal=515&pagina=23","Actual body/pinpoint; date, commencement and currentness limits":"I/F, indexed original DOU August 2, 2021, printed page 23. PDF viewer failed; zero-based PDF index unverified; original would not alone settle 2025 amendments."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false},{"source_id":"C_BR-P01-S040","urls":["https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=05%2F09%2F2025&jornal=600&pagina=4"],"researcher_record":{"ID":"S040","Full official source and literal direct URL":"Diário Oficial da União PDF, BCB Resolution 494 publication. https://pesquisa.in.gov.br/imprensa/servlet/INPDFViewer?captchafield=firstAccess&data=05%2F09%2F2025&jornal=600&pagina=4","Actual body/pinpoint; date, commencement and currentness limits":"I/F, indexed September 5, 2025 DOU, printed page 4. PDF viewer failed; zero-based PDF index unverified; operative transition unresolved."},"raw_table_index":4,"coordinator_verification_status":"discovery_dynamic_or_failed_body_remains_unverified","id_normalization":"Explicit full ID retained or bare original ID qualified by task/pass; original cell unchanged.","coordinator_check_scope":"Exactreported discovery/failure limits retained; no namedlookup, docketlookup, repeatedfailedviewer or operativebody certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T01:05:59.436883+00:00","independent_review":false}],"coverage":[{"topic":"G01 Dedicated central authorization","researcher_record":{"#":"G01","Issue":"Dedicated central authorization","Finding and claim refs":"No universal federal debtor-settlement authorization established in bounded search; C042","Status; exact missing material and next action":"Conditional; identify exact marketed tasks and check current BCB/professional/local text before publication."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G02 State/local private permission","researcher_record":{"#":"G02","Issue":"State/local private permission","Finding and claim refs":"Federal allocation not exhaustive; C001, C049","Status; exact missing material and next action":"Pending; read actual rules in each served state/municipality."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G03 Paid budgeting/education","researcher_record":{"#":"G03","Issue":"Paid budgeting/education","Finding and claim refs":"May be ordinary service; C003–C004","Status; exact missing material and next action":"Conditional; review scripts and outputs for reserved or regulated activity."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G04 Debt-specific commercial advice","researcher_record":{"#":"G04","Issue":"Debt-specific commercial advice","Finding and claim refs":"Legal and technical-professional character may change; C007, C012–C014","Status; exact missing material and next action":"Conditional; classify specific recommendations, financial reports and legal conclusions."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G05 Debtor-creditor negotiation","researcher_record":{"#":"G05","Issue":"Debtor-creditor negotiation","Finding and claim refs":"Mandate possible; C004–C006","Status; exact missing material and next action":"Conditional; inspect authority, capacity and communication scripts."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G06 Remission/compromise signature","researcher_record":{"#":"G06","Issue":"Remission/compromise signature","Finding and claim refs":"Requires special express transigir power; C005, C045","Status; exact missing material and next action":"Supported/conditional; examine actual procuração and agreement execution."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G07 No debtor power or excess authority","researcher_record":{"#":"G07","Issue":"No debtor power or excess authority","Finding and claim refs":"Potential ineffective act/ratification; C006","Status; exact missing material and next action":"Supported/conditional; identify signer and ratification facts."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G08 Voluntary workout arrangement","researcher_record":{"#":"G08","Issue":"Voluntary workout arrangement","Finding and claim refs":"Different from court statutory repactuação; C004, C029–C030, C046","Status; exact missing material and next action":"Conditional; determine whether consensual or a specific judicial/public proceeding."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G09 Debtor funds/payment administration","researcher_record":{"#":"G09","Issue":"Debtor funds/payment administration","Finding and claim refs":"Separate financial/payment/AML analysis; C015–C018, C022, C044","Status; exact missing material and next action":"Pending body; obtain funds diagram and current BCB resolutions including exemptions."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G10 Individual consumer debt","researcher_record":{"#":"G10","Issue":"Individual consumer debt","Finding and claim refs":"CDC and narrower 54-A class; C002–C003, C028","Status; exact missing material and next action":"Conditional; document final-recipient and natural-person circumstances."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G11 Sole proprietor/MEI business debt","researcher_record":{"#":"G11","Issue":"Sole proprietor/MEI business debt","Finding and claim refs":"No automatic transfer into natural-person statutory process; C002, C028, C039","Status; exact missing material and next action":"Conditional; establish legal obligor, business purpose and local service audience."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G12 Juristic-person debt","researcher_record":{"#":"G12","Issue":"Juristic-person debt","Finding and claim refs":"CDC ordinary scope possible; CDC 54-A natural-person definition narrower; C002, C028, C033","Status; exact missing material and next action":"Conditional; classify final recipient and enterprise-insolvency status."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G13 Guarantor/joint debtor capacity","researcher_record":{"#":"G13","Issue":"Guarantor/joint debtor capacity","Finding and claim refs":"Agreement and capacity matter; C002, C004–C006","Status; exact missing material and next action":"Deferred merits; examine obligation/guarantee terms solely to select correct gateway."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G14 Secured obligations","researcher_record":{"#":"G14","Issue":"Secured obligations","Finding and claim refs":"Court 104-A has express excluded classes; C029","Status; exact missing material and next action":"Conditional; classify security and financing category, defer substantive security rules."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G15 Creditor collecting own claim","researcher_record":{"#":"G15","Issue":"Creditor collecting own claim","Finding and claim refs":"Creditor-side, not debtor mandate; C047","Status; exact missing material and next action":"Conditional; inspect ownership."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G16 Collector for third-party creditor","researcher_record":{"#":"G16","Issue":"Collector for third-party creditor","Finding and claim refs":"Contract-dependent creditor authority; C047","Status; exact missing material and next action":"Conditional; inspect servicing contract and actual negotiating limits."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G17 Claim purchaser/servicer","researcher_record":{"#":"G17","Issue":"Claim purchaser/servicer","Finding and claim refs":"Purchase versus financial technical services distinction; C014, C040, C047","Status; exact missing material and next action":"Conditional; inspect transfer and business model, applicable council/AML rules."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G18 OAB reserved legal advice","researcher_record":{"#":"G18","Issue":"OAB reserved legal advice","Finding and claim refs":"Statutory boundary established; C007–C010","Status; exact missing material and next action":"Supported/conditional; review scripts and speaker qualifications."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G19 OAB admission/territorial status","researcher_record":{"#":"G19","Issue":"OAB admission/territorial status","Finding and claim refs":"Professional status separate from incorporation; C009","Status; exact missing material and next action":"Conditional; use generic OAB category guidance and appropriate actual records only if separately authorized."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G20 Other professional administration","researcher_record":{"#":"G20","Issue":"Other professional administration","Finding and claim refs":"CRA possible under technical administração financeira; C012–C013","Status; exact missing material and next action":"Conditional; test atividade básica and regional current instruments."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G21 Technical economic consultancy","researcher_record":{"#":"G21","Issue":"Technical economic consultancy","Finding and claim refs":"CORECON possible; C012, C014, C040","Status; exact missing material and next action":"Conditional; examine actual third-party services and regional interpretation."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G22 Commercial nonprofit/association/free","researcher_record":{"#":"G22","Issue":"Commercial nonprofit/association/free","Finding and claim refs":"No blanket immunity; C003, C007, C048","Status; exact missing material and next action":"Conditional; inspect activities, remuneration source and claimed public role."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G23 Public Procon/SNDC","researcher_record":{"#":"G23","Issue":"Public Procon/SNDC","Finding and claim refs":"Statutory public oversight/conciliation category; C023","Status; exact missing material and next action":"Supported gateway; verify local powers/eligibility in each area."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G24 Defensoria","researcher_record":{"#":"G24","Issue":"Defensoria","Finding and claim refs":"Statutory public professional service; C024","Status; exact missing material and next action":"Supported gateway; verify actual office remit/eligibility without private impersonation."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G25 Lender/regulated financial institution","researcher_record":{"#":"G25","Issue":"Lender/regulated financial institution","Finding and claim refs":"BCB financial authorization boundary; C015","Status; exact missing material and next action":"Conditional; classify products, licensed institution and actual activities."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G26 Correspondent-bank category","researcher_record":{"#":"G26","Issue":"Correspondent-bank category","Finding and claim refs":"Institution-side, distinct from debtor adviser; C021","Status; exact missing material and next action":"Pending body; obtain consolidated CMN 4.935 with amendments and actual contract."},"raw_table_index":6,"coordinator_acceptance":"actual_operative_financial_body_and_facts_still_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G27 Credit intermediary/referral","researcher_record":{"#":"G27","Issue":"Credit intermediary/referral","Finding and claim refs":"Facts change class; C015, C021","Status; exact missing material and next action":"Pending body; isolate advertising, application submission, compensation and lender authority."},"raw_table_index":6,"coordinator_acceptance":"actual_operative_financial_body_and_facts_still_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G28 Fintech/software category","researcher_record":{"#":"G28","Issue":"Fintech/software category","Finding and claim refs":"Actual functions control; C016–C017, C035","Status; exact missing material and next action":"Conditional; map each tool and API/data/funds action."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G29 Payment institution","researcher_record":{"#":"G29","Issue":"Payment institution","Finding and claim refs":"Statutory definitions identified; C016–C017, C022","Status; exact missing material and next action":"Pending body; reopen full BCB authorization rules and transitional exceptions."},"raw_table_index":6,"coordinator_acceptance":"actual_operative_financial_body_and_facts_still_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G30 Funds distributor/deposit/lending distinction","researcher_record":{"#":"G30","Issue":"Funds distributor/deposit/lending distinction","Finding and claim refs":"Ownership/financial-versus-payment nexus unresolved; C015–C017, C044","Status; exact missing material and next action":"Pending body/facts; review bank custody structure, payment rail and BCB law."},"raw_table_index":6,"coordinator_acceptance":"actual_operative_financial_body_and_facts_still_pending","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G31 COAF/AML obligations","researcher_record":{"#":"G31","Issue":"COAF/AML obligations","Finding and claim refs":"Conditional listed activities; former specific rule revoked; C018–C020","Status; exact missing material and next action":"Conditional; determine AML actor and current sector rule; do not treat Coaf registration as trade licence."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G32 Extrajudicial mediator","researcher_record":{"#":"G32","Issue":"Extrajudicial mediator","Finding and claim refs":"Must be neutral, not merely partisan; C025","Status; exact missing material and next action":"Supported/conditional; obtain bilateral appointment and conflicts facts."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G33 Judicial mediator/conciliator","researcher_record":{"#":"G33","Issue":"Judicial mediator/conciliator","Finding and claim refs":"Court qualification/appointment class; C026","Status; exact missing material and next action":"Pending local rules; reopen CNJ and tribunal instruments and verify appointment."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G34 Judicial administrator","researcher_record":{"#":"G34","Issue":"Judicial administrator","Finding and claim refs":"Actual court appointment; C030, C033","Status; exact missing material and next action":"Supported gateway; identify specific procedure before representing authority."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G35 Court representation/settlement","researcher_record":{"#":"G35","Issue":"Court representation/settlement","Finding and claim refs":"CPC/OAB distinct; C008, C027, C045","Status; exact missing material and next action":"Supported/conditional; verify named representative’s role and powers."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G36 Consumer court superendividamento","researcher_record":{"#":"G36","Issue":"Consumer court superendividamento","Finding and claim refs":"Natural-person, good-faith, excluded classes; C028–C030","Status; exact missing material and next action":"Supported gateway; no eligibility/tool outcome without full procedures."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G37 Minimum-existential current amount","researcher_record":{"#":"G37","Issue":"Minimum-existential current amount","Finding and claim refs":"Decree R$600 plus April 2026 STF qualification; C031–C032","Status; exact missing material and next action":"Judgment-text pending; obtain dispositive/finality and later CMN actions."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G38 Business recuperação/falência","researcher_record":{"#":"G38","Issue":"Business recuperação/falência","Finding and claim refs":"Enterprise-specific class, not generic consumer path; C033","Status; exact missing material and next action":"Supported gateway; full law/process deferred."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G39 Civil insolvency","researcher_record":{"#":"G39","Issue":"Civil insolvency","Finding and claim refs":"CPC transitional gateway discovered; C034","Status; exact missing material and next action":"Partial; open current operative transitional/older law and case guidance before any route."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G40 Domestic versus foreign remote nexus","researcher_record":{"#":"G40","Issue":"Domestic versus foreign remote nexus","Finding and claim refs":"OAB/financial/LGPD nexus varies by acts and place; C011, C035–C036","Status; exact missing material and next action":"Conditional; obtain physical/service/payment/data nexus; foreign law not researched."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G41 Foreign-law professional status","researcher_record":{"#":"G41","Issue":"Foreign-law professional status","Finding and claim refs":"OAB Provimento 91 special category; C011","Status; exact missing material and next action":"Supported narrow rule; verify place of foreign-law practice and sectional scope."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G42 CNPJ/tax formation versus substantive permission","researcher_record":{"#":"G42","Issue":"CNPJ/tax formation versus substantive permission","Finding and claim refs":"Distinct categories; C037, C048","Status; exact missing material and next action":"Supported negative distinction; test exact occupation and each authorization."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G43 Free call, certificate, membership, badge","researcher_record":{"#":"G43","Issue":"Free call, certificate, membership, badge","Finding and claim refs":"Not independent permission; C048","Status; exact missing material and next action":"Supported negative distinction; review actual advertised implication and legal class."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G44 Entity versus individual registration","researcher_record":{"#":"G44","Issue":"Entity versus individual registration","Finding and claim refs":"OAB individual, professional councils firm/person, BCB entities, court individuals/functions; C009, C012–C017, C026","Status; exact missing material and next action":"Conditional; map actual responsible persons and entities."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G45 Admissions versus mandate/appointment","researcher_record":{"#":"G45","Issue":"Admissions versus mandate/appointment","Finding and claim refs":"Professional entry, institutional contract and court appointment distinct; C009, C021, C026, C047","Status; exact missing material and next action":"Conditional; obtain instrument and effective date for each claimed capacity."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G46 Financial, insurance, bond/security criteria","researcher_record":{"#":"G46","Issue":"Financial, insurance, bond/security criteria","Finding and claim refs":"None generalized; C051","Status; exact missing material and next action":"Deferred/pending; first classify specific financial/professional/public regime, then read applicable instrument."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G47 Actual public agency costs","researcher_record":{"#":"G47","Issue":"Actual public agency costs","Finding and claim refs":"No supported generic figure; C051","Status; exact missing material and next action":"Deferred; identify specific regulator/category and read current published fee schedule."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G48 Read-only public verification","researcher_record":{"#":"G48","Issue":"Read-only public verification","Finding and claim refs":"Appropriate official categories, no named searches; C009, C020–C022, C037, C048","Status; exact missing material and next action":"Method given; no external records/people were checked."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G49 Six-plus hypothetical classifications","researcher_record":{"#":"G49","Issue":"Six-plus hypothetical classifications","Finding and claim refs":"H01–H11 with facts/adverse questions","Status; exact missing material and next action":"Completed as conditional illustrations; no real client/license finding."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G50 Territory inventory","researcher_record":{"#":"G50","Issue":"Territory inventory","Finding and claim refs":"26 states + DF from IBGE; C038–C039, C049","Status; exact missing material and next action":"Units enumerated below; local clearance incomplete."},"raw_table_index":6,"coordinator_acceptance":"displayed_row_count_only_ordinary_official_body_replacement_held","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G51 Status of amendments and expiry","researcher_record":{"#":"G51","Issue":"Status of amendments and expiry","Finding and claim refs":"Current/old/news/expired separated; C019, C031–C032, C041, C050","Status; exact missing material and next action":"Partial; full CMN/BCB/CNJ/judgment and post-access changes need new pass."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G52 Compensation/fee promises","researcher_record":{"#":"G52","Issue":"Compensation/fee promises","Finding and claim refs":"General CDC gateway only; C003, C043","Status; exact missing material and next action":"Deferred; read actual contracts, professional/consumer rules and local instruments."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G53 Privacy/data processing","researcher_record":{"#":"G53","Issue":"Privacy/data processing","Finding and claim refs":"LGPD nexus identified; C035","Status; exact missing material and next action":"Partial; classify roles, basis, notices, security/transfers in dedicated review."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G54 No guaranteed creditor concession","researcher_record":{"#":"G54","Issue":"No guaranteed creditor concession","Finding and claim refs":"Private mandate cannot compel; C046","Status; exact missing material and next action":"Supported negative; creditor policy/authority never presumed."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"G55 No all-country/parent acceptance","researcher_record":{"#":"G55","Issue":"No all-country/parent acceptance","Finding and claim refs":"C042, C049–C051","Status; exact missing material and next action":"HOLD; separate independent review and local/contract/source completion required."},"raw_table_index":6,"coordinator_acceptance":"gateway_checked_with_conditions_not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D01 Debt products","researcher_record":{"#":"D01","Named deferred family":"Debt products","Gateway reference/status":"C002, C015, C028–C029; Deferred","Exact next research action":"Enumerate consumer, revolving, payroll, secured, real-estate, rural and business products from current instrument and contract."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D02 Enforceability and disputes","researcher_record":{"#":"D02","Named deferred family":"Enforceability and disputes","Gateway reference/status":"C007–C008; Deferred","Exact next research action":"Read substantive Civil Code, CDC and court authorities for contract validity and defenses with OAB boundary."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D03 Collection communications and conduct","researcher_record":{"#":"D03","Named deferred family":"Collection communications and conduct","Gateway reference/status":"C003, C047; Deferred","Exact next research action":"Open operative CDC collection articles, applicable BCB collector rules and territorial enforcement materials."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D04 Limitation, accrual and interruption","researcher_record":{"#":"D04","Named deferred family":"Limitation, accrual and interruption","Gateway reference/status":"C004; Deferred","Exact next research action":"Map obligation types and current Civil Code/sector prescription, default and interruption authorities."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D05 Credit reporting and correction","researcher_record":{"#":"D05","Named deferred family":"Credit reporting and correction","Gateway reference/status":"C003, C035; Deferred","Exact next research action":"Research CDC records, LGPD, cadastro-positive and bureau-specific current primary rules."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D06 Repayment and settlement mechanics","researcher_record":{"#":"D06","Named deferred family":"Repayment and settlement mechanics","Gateway reference/status":"C005–C006, C046; Deferred","Exact next research action":"Establish creditor assent, novation, release, payment effect and receipt formalities per obligation."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D07 Creditor authority and participation","researcher_record":{"#":"D07","Named deferred family":"Creditor authority and participation","Gateway reference/status":"C029, C046–C047; Deferred","Exact next research action":"Distinguish voluntary consent, assigned-claim ownership, court summons and statutory nonappearance consequences."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D08 Consumer fees, earning, timing, refunds and cancellation","researcher_record":{"#":"D08","Named deferred family":"Consumer fees, earning, timing, refunds and cancellation","Gateway reference/status":"C003, C043; Deferred","Exact next research action":"Read governing consumer/professional/local provisions and actual engagement/payment terms; no fee promise."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D09 Actual engagement contracts and disclosures","researcher_record":{"#":"D09","Named deferred family":"Actual engagement contracts and disclosures","Gateway reference/status":"C003–C006, C043; Deferred","Exact next research action":"Review specimen contracts, offer copy, procuração, conflict disclosures and consumer channels."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D10 Client-money title, custody, safeguarding and execution","researcher_record":{"#":"D10","Named deferred family":"Client-money title, custody, safeguarding and execution","Gateway reference/status":"C015–C018, C022, C044; Pending body/deferred","Exact next research action":"Reopen BCB consolidated permission rules and classify full legal-account/processor funds path."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D11 Tax","researcher_record":{"#":"D11","Named deferred family":"Tax","Gateway reference/status":"C037; Deferred","Exact next research action":"Determine provider legal form and taxation of actual fees/payments/forgiveness under Receita and state/municipal law."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D12 Secured mortgage, property and vehicle","researcher_record":{"#":"D12","Named deferred family":"Secured mortgage, property and vehicle","Gateway reference/status":"C029; Deferred","Exact next research action":"Read security-specific financing, registry, enforcement and release rules; no universal settlement assumption."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D13 Guarantees and joint liability beyond capacity","researcher_record":{"#":"D13","Named deferred family":"Guarantees and joint liability beyond capacity","Gateway reference/status":"C002, C006; Deferred","Exact next research action":"Analyze each guarantee/joint instrument and statutory defenses/remedies."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D14 Government, tax, student, support and other public claims","researcher_record":{"#":"D14","Named deferred family":"Government, tax, student, support and other public claims","Gateway reference/status":"C002, C028–C029; Deferred","Exact next research action":"Identify creditor sovereign/program category and enabling law; never generalize private-bank negotiation."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D15 Court/service/default/judgment/appeal beyond capacity","researcher_record":{"#":"D15","Named deferred family":"Court/service/default/judgment/appeal beyond capacity","Gateway reference/status":"C027, C030; Deferred","Exact next research action":"Map CPC, local procedure, notice, default and appeal rules in a separate litigation review."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D16 Enforcement, garnishment, exemptions and protected income","researcher_record":{"#":"D16","Named deferred family":"Enforcement, garnishment, exemptions and protected income","Gateway reference/status":"C028–C032; Deferred","Exact next research action":"Read federal procedural and sector-specific attachment/exemption rules, plus local implementation."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D17 Full superendividamento, repactuação, civil insolvency, recuperação and falência: eligibility, proceedings, forms, costs and adverse outcomes","researcher_record":{"#":"D17","Named deferred family":"Full superendividamento, repactuação, civil insolvency, recuperação and falência: eligibility, proceedings, forms, costs and adverse outcomes","Gateway reference/status":"C028–C034; Deferred","Exact next research action":"Separate comprehensive modules; obtain STF judgment/CMN compliance, CPC transitional acts and tribunal procedures."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D18 Local public assistance","researcher_record":{"#":"D18","Named deferred family":"Local public assistance","Gateway reference/status":"C023–C024, C039, C049; Deferred except narrow SP page","Exact next research action":"Read each Procon/Defensoria/CEJUSC programme law, jurisdiction, eligibility and accessible contact process."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D19 Complaints, ombudsman and private remedies","researcher_record":{"#":"D19","Named deferred family":"Complaints, ombudsman and private remedies","Gateway reference/status":"C003, C023; Deferred","Exact next research action":"Research CDC sanctions, SNDC/B​CB/OAB/consumer complaint channels, standing and remedies."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D20 Insurance, securities and FX boundaries","researcher_record":{"#":"D20","Named deferred family":"Insurance, securities and FX boundaries","Gateway reference/status":"C015, C018; Deferred","Exact next research action":"Determine whether any actual feature is insurance brokerage, investments, foreign exchange or remittance, then read regulator texts."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D21 Fraud and impersonation","researcher_record":{"#":"D21","Named deferred family":"Fraud and impersonation","Gateway reference/status":"C003, C024, C048; Deferred","Exact next research action":"Research Brazilian consumer/criminal/administrative prohibitions and verification wording, avoiding invented offense classifications."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D22 Cross-border law, jurisdiction, recognition and assets","researcher_record":{"#":"D22","Named deferred family":"Cross-border law, jurisdiction, recognition and assets","Gateway reference/status":"C035–C036; Deferred","Exact next research action":"Research Brazilian PIL/jurisdiction/enforcement and each relevant foreign system independently; none imported."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D23 Language and accessibility","researcher_record":{"#":"D23","Named deferred family":"Language and accessibility","Gateway reference/status":"C003, C049; Deferred","Exact next research action":"Check national consumer accessibility rules and local language/service implementation for targeted audiences."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D24 Current consolidation and later amendments","researcher_record":{"#":"D24","Named deferred family":"Current consolidation and later amendments","Gateway reference/status":"C019, C022, C032, C041, C050; Partial","Exact next research action":"Reopen every consequential official consolidated body, 2026 judgment and post-Oct26 normative changes; distinguish commencement."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"D25 Full-country / A097 / A098 acceptance","researcher_record":{"#":"D25","Named deferred family":"Full-country / A097 / A098 acceptance","Gateway reference/status":"C042, C049–C051; HOLD","Exact next research action":"Require coordinator’s independent source reopening, coverage audit, contract/funds review and all locality gates before acceptance."},"raw_table_index":7,"coordinator_acceptance":"explicit_deferred_hold_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Acre (AC)","researcher_record":{"Unit":"Acre (AC)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"C001/C023 national only. Read AC consumer/Procon rules, relevant CRA/CORECON practice, court/CEJUSC and municipal service/advertising measures; determine language-access obligations for proposed location."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Alagoas (AL)","researcher_record":{"Unit":"Alagoas (AL)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read AL Procon organization and private advisory enforcement, professional councils and local CEJUSC/Defensoria acts; check target municipality and language accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Amapá (AP)","researcher_record":{"Unit":"Amapá (AP)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Obtain AP public consumer-body powers, occupational-council rules and tribunal mediation implementation; check specific municipal application/language needs."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Amazonas (AM)","researcher_record":{"Unit":"Amazonas (AM)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Examine AM Procon/Defensoria authority, local professional registration and court implementation; assess municipality and remote/linguistic delivery facts."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Bahia (BA)","researcher_record":{"Unit":"Bahia (BA)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read BA consumer-service enforcement, CRA/CORECON and TJBA mediation regulations; identify relevant municipality and accessibility/language rules."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Ceará (CE)","researcher_record":{"Unit":"Ceará (CE)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read CE Procon and consumer-conciliation acts, pertinent councils and TJCE rules; check local operating municipality and language obligations."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Distrito Federal (DF)","researcher_record":{"Unit":"Distrito Federal (DF)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read DF consumer authority and professional-council instruments, TJDFT/CEJUSC and local DF service rules; identify service channel/language duties."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Espírito Santo (ES)","researcher_record":{"Unit":"Espírito Santo (ES)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read ES Procon and professional technical-service rules, TJES implementation and proposed municipal requirements; test accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Goiás (GO)","researcher_record":{"Unit":"Goiás (GO)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read GO Procon/consumer service provisions, CRA/CORECON scope and TJGO court mediation rules; identify actual municipality and language issues."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Maranhão (MA)","researcher_record":{"Unit":"Maranhão (MA)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Obtain MA Procon public/private-service framework, professional council and TJMA/Defensoria measures; check proposed locality and accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Mato Grosso (MT)","researcher_record":{"Unit":"Mato Grosso (MT)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read MT consumer-adviser enforcement, relevant regional councils and TJMT conciliation arrangements; determine municipal and linguistic nexus."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Mato Grosso do Sul (MS)","researcher_record":{"Unit":"Mato Grosso do Sul (MS)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read MS Procon, professional council and TJMS implementing materials; assess municipality, border/remote facts and relevant language accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Minas Gerais (MG)","researcher_record":{"Unit":"Minas Gerais (MG)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Open MG consumer protection and potential provider practices, CRA/CORECON and TJMG/CEJUSC authorities; inspect municipality and language duties."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Pará (PA)","researcher_record":{"Unit":"Pará (PA)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read PA consumer/public-assistance provisions, professional council interpretations and TJPA rules; determine specific municipal and language-access conditions."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Paraíba (PB)","researcher_record":{"Unit":"Paraíba (PB)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read PB Procon and private paid-service issues, CRA/CORECON and TJPB procedural implementation; evaluate municipality and accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Paraná (PR)","researcher_record":{"Unit":"Paraná (PR)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read PR Procon/consumer enforcement, professional registrations and TJPR conciliation rules; assess proposed municipality and language options."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Pernambuco (PE)","researcher_record":{"Unit":"Pernambuco (PE)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Obtain PE Procon, CRA/CORECON and TJPE court/programme materials; check local business-service and accessibility requirements."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Piauí (PI)","researcher_record":{"Unit":"Piauí (PI)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read PI consumer-authority and professional council acts, TJPI mediation and municipal operation; check language accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Rio de Janeiro (RJ)","researcher_record":{"Unit":"Rio de Janeiro (RJ)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Review RJ state consumer/Procon measures, CRA/CORECON professional-service treatment, TJRJ/CEJUSC rules and relevant municipal requirements."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Rio Grande do Norte (RN)","researcher_record":{"Unit":"Rio Grande do Norte (RN)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read RN consumer agency powers, local councils, TJRN mediation and municipality-specific requirements; test accessibility/language."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Rio Grande do Sul (RS)","researcher_record":{"Unit":"Rio Grande do Sul (RS)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Obtain RS Procon/consumer framework, professional councils and TJRS implementation; determine municipal and language-access effects."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Rondônia (RO)","researcher_record":{"Unit":"Rondônia (RO)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read RO Procon and council practice, TJRO court/Defensoria arrangements and applicable municipality; check delivery language."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Roraima (RR)","researcher_record":{"Unit":"Roraima (RR)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read RR consumer/Procon and professional rules, TJRR mediation and municipal implementation; examine multilingual and remote-service needs."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Santa Catarina (SC)","researcher_record":{"Unit":"Santa Catarina (SC)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read SC Procon and professional council requirements, TJSC conciliation and proposed municipality; verify accessibility/language rules."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"São Paulo (SP)","researcher_record":{"Unit":"São Paulo (SP)","Local primary material actually read":"S029 CORECON-SP professional guidance; S030 PROCON-SP PAS service charter. Neither is a full local legislative review.","National reach and exact remaining local question/action":"C039–C040 narrow local findings only. Still read SP state/private-service consumer law, CRA scope, TJSP current CEJUSC rules, each relevant municipal Procon/business rule, language/accessibility; resolve apparent wider PAS service audience versus CDC natural-person statutory class without conflating them."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Sergipe (SE)","researcher_record":{"Unit":"Sergipe (SE)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read SE Procon/consumer enforcement, CRA/CORECON and TJSE court/public assistance material; check operating municipality and accessibility."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."},{"topic":"Tocantins (TO)","researcher_record":{"Unit":"Tocantins (TO)","Local primary material actually read":"NONE","National reach and exact remaining local question/action":"National only. Read TO Procon and professional service rules, TJTO/Defensoria implementation and municipality; verify linguistic/accessibility duties."},"raw_table_index":8,"coordinator_acceptance":"named_territory_row_preserved_not_local_acceptance","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Exactresearchercells retained; same-coordinator sourcechecks only. No state/municipality/contract/funds orcountryacceptance; rawindependent-reviewrequirementphrasesnotadopted."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_BR-P01-geography-source-boundary-20261027","status":"ordinary_official_body_replacement_unresolved","at":"2026-10-27T01:21:40.034526+00:00"}]}