{"meta":{"key":"c_ca--pass-01","task":"C_CA","title":"Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards","parent_title":"Canada consumer debt and resolution","edition":"pass-01","path":"/research/c_ca--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":23,"claims":80,"sources":40,"review_status":"scoped_coordinator_review_complete_evidence_confidence_corrections_UNSENT_current_operative_source_holds","review_complete":true,"sha256":"9ff2703a3034a1ee1ad31913fa096b3cc9502c54bef16eeae13814ef20f09910","headings":["Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards","Executive determination","Important source-access qualification","A. Controlling law and jurisdiction","B. Who is regulated, and what authorization is required?","Registration and operating conditions","Exceptions require their predicates","C. Consumer fees, performance and funds","Two prescribed contract methods","When may the agency earn or take its fee?","Money held for creditors is not the agency's earned fee","D. Agreements, cancellation and remedies","E. Federal boundary: private negotiation is not insolvency","F. Worked decisions — invented Ontario examples","Example 1 — three debts, one-time-settlement method","Example 2 — two debts, payment-schedule method","Example 3 — claimed charitable exemption with a missing predicate","Example 4 — out-of-province remote provider","Example 5 — delivered copy, defective copy or uncertain notice","Example 6 — professional title without professional-work facts","Register 1 — primary sources and access provenance","Register 2 — atomic claim-to-authority ledger","A. Framework, jurisdiction and classification","B. Actors, registration, exemptions and oversight","C. Agreements, fees, payments and accounting","D. Cancellation, refund, remedies and enforcement","E–F. Federal boundary and worked computations","Register 3 — granular A097/A098 Ontario component coverage","A. Controlling framework and territorial application","B. Actor classification and authorization","C. Fees, performance and money","D. Contracts, cancellation and enforcement","E. Narrow federal route","F. Scenarios and quantitative validation","Consumer document checklist and likely adverse branches","Explicit country/province research boundary register","Explicitly deferred A097/A098 country questions","Researcher self-check and publication controls","Material new questions generated","Evidence-grounded SettleADebt opportunities","Final disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_CA/pass-01","facets":{"geography":["international","c_ca"],"debt_type":[],"stage":["settlement"],"subject":["agreements-disclosures","settlement-negotiation","fees-outcomes","provider-licensing","accessibility"]},"scope":"Ontario-only consumer debt-settlement provider classification/authorization/fees/contracts/funds; Canadianfederalinsolvencygatewaynarrow, allotherprovinces/countrydimensionsdeferred","pending_corrections":2},"markdown":"# SettleADebt — C_CA PASS-01\n\n## Ontario, Canada: Debt-settlement provider regulation, fees, contracts, and consumer safeguards\n\nFocused primary-source research dossier Not independently reviewed\n\nResearch baseline: October 22, 2026, America/Los_Angeles\nActual verification: October 26, 2026 — Pacific Daylight Time (UTC−7), Eastern Daylight Time in Ontario (UTC−4), and UTC.\nJurisdiction: Ontario, Canada, with limited Canadian federal insolvency-law boundaries.\nParent assignments: A097/A098 remain open.\n\n### Executive determination\n\nOntario has a specific statutory regime governing businesses paid by debtors to negotiate or arrange debt settlements. The principal legislation is the Collection and Debt Settlement Services Act, R.S.O. 1990, c. C.14 (CDSSA), together with R.R.O. 1990, Regulation 74.\n\nThe law generally treats a covered, paid debt-settlement provider as a collection agency for registration purposes, even when the business negotiates on behalf of the debtor rather than collecting debts for creditors.\n\nThe most consequential findings are:\n\n1. Registration: A covered debt-settlement business must be registered in Ontario. Individual collectors are no longer separately registered, but remain subject to conduct rules.\n2. Fee eligibility: Most compensation cannot be demanded or received for a particular creditor until the debtor has an agreement with that creditor, has made at least one payment under it, and the agency has written proof of that payment.\n3. Two fee models: The regulation distinguishes negotiated payment schedules, generally capped at 15% of payments to creditors, from one-time settlement offers, generally capped at 10% of each qualifying debt's balance when the services agreement was signed. A limited CAD $50 charge is permitted for the payment-schedule model.\n4. Cancellation: A debtor generally has a 10-day period after receiving the written agreement to cancel without giving a reason. A separate one-year cancellation right applies when the prescribed agreement-copy requirements have not been met.\n5. Refunds: Illegal fees and payments under properly cancelled agreements have statutory refund routes. The prescribed agency refund period is 15 days after receipt of a qualifying demand.\n6. Client funds: Money handled by a registered agency can be subject to statutory trust-account and disbursement requirements. These are distinct from whether the agency has earned its service fee.\n7. Underlying debts: Cancelling a provider agreement does not, by itself, extinguish the consumer's original creditor debts.\n8. Federal boundary: Private settlements are not statutory consumer proposals or bankruptcies under Canada's Bankruptcy and Insolvency Act.\n\nThese determinations rest principally on CDSSA ss. 1–2, 4, 16.3–16.10, 22.1 and 32, Regulation 74 ss. 13–19.11 and 26–30, the 2013 Ontario legislative amendments, and official Ministry guidance. \n\n### Important source-access qualification\n\nOntario's official e-Laws pages were discoverable through current official indexed text, including section-level extracts, but direct attempts to open the consolidated statute and regulation returned HTTP 403. Accessible Legislative Assembly enactment text and Ontario government PDFs were read directly where available.\n\nAccordingly, this report distinguishes directly read primary text, official indexed extracts, historical enactments, official guidance, and unresolved text-access gaps. It does not claim a complete page-by-page inspection of the current e-Laws consolidations.\n\nThe current e-Laws listing identifies the CDSSA consolidation as running from December 6, 2023, and Regulation 74 from March 1, 2022, subject to the e-Laws currency date. The Consumer Protection Act, 2023 is identified as not yet in force in the official listing checked for this report. \n\n## A. Controlling law and jurisdiction\n\nThe central Ontario law is the Collection and Debt Settlement Services Act (CDSSA), R.S.O. 1990, c. C.14, particularly sections 1, 2, 2.1, 4, 16.3–16.10, 22 and 22.1. Its detailed operating rules are in R.R.O. 1990, Regulation 74, particularly sections 13–19.1, 26–30.\n\n| Instrument | Verified legislative status | Relevance |\n| --- | --- | --- |\n| CDSSA | e-Laws consolidation December 6, 2023 to the currency date | Governs the covered provider, authorization, agreements, fees, cancellation and remedies |\n| Regulation 74 | e-Laws consolidation March 1, 2022 to the currency date | Prescribes contract particulars, fee limits, earning conditions, trust accounts and conduct |\n| Consumer Protection Act, 2002 | Current consolidation begins December 11, 2025 | Its sections 92 and 94 are expressly incorporated into CDSSA cancellation procedures; it may separately cover qualifying personal consumer transactions |\n| Consumer Protection Act, 2023 | Enacted but expressly not yet in force | Its replacement cancellation provisions cannot presently be substituted for the 2002 Act |\n| 2013 debt-settlement reforms | Operational provisions came into force July 1, 2015 | Section 32 preserves the pre-commencement treatment of older agreements until amendment, renewal or extension |\n| 2017–18 changes | Significant changes effective January 1 and July 1, 2018 | Individual collector registration and bonding were removed; trust and other requirements changed |\n\nThe Act's scope test is unusually concrete: under CDSSA section 2(0.1), it applies to a collection agency or collector dealing with a debtor if the debtor or the agency/collector is in Ontario when the dealing occurs. A website's incorporation address, a telephone number, or a foreign licence alone cannot settle that test. Section 2.1 requires attention to the real substance of an arrangement, including an apparent workaround using separate entities or differently named fees. ontario.ca+5\n\nA crucial scope distinction is that Ontario removed corporate-debt collection from the CDSSA framework effective January 2018. That does not prove that every debt incurred for business purposes is excluded, particularly where an individual proprietor or guarantor is involved. Nor does it automatically answer whether a paid debtor-side negotiation arrangement satisfies the separately worded definition of debt settlement services. The general Consumer Protection Act, 2002 uses a personal, family or household consumer concept; its ordinary consumer remedies cannot simply be assumed for a business-purpose contract. Each activity and debtor must be classified independently. January 2018+3\n\nOntario's Ministry of Public and Business Service Delivery and Procurement administers this provincial registration and enforcement system through the Registrar and consumer-protection operations. The federal Office of the Superintendent of Bankruptcy (OSB) regulates the distinct statutory insolvency system discussed in section E. Neither regulator's role establishes jurisdiction over every other province or foreign transaction.\n\n## B. Who is regulated, and what authorization is required?\n\nThe definition turns on the activity and payment source—not the marketing title.\n\n| Actor or arrangement | Ontario classification and consequence | Critical qualification |\n| --- | --- | --- |\n| Firm paid by a debtor to negotiate reductions or arrangements with creditors | Ordinarily within CDSSA “debt settlement services”; treated as a collection agency for the Act | Includes offers or undertakings to negotiate, and receiving debtor funds for distribution, when debtor-paid consideration is involved |\n| Firm collecting a creditor's debt or purchasing delinquent accounts and collecting them | Separate collection-agency branches of the statutory definition | A collection business is not necessarily a debtor-paid settlement provider |\n| Individual negotiating on behalf of a registered agency | A “collector” subject to conduct requirements | Individual collector registration was removed January 1, 2018; the agency remains responsible |\n| Creditor dealing under its own lawful name | Not automatically an independent third-party settlement agency | The creditor's actual identity, affiliates, assigned claims and transaction structure matter |\n| Refinancing lender | Making a new loan is not itself debtor-paid negotiation with existing creditors | A separate fee-based negotiation service could change the classification; lending has its own legislation |\n| Neutral payment distributor | Could fall within the definition when it receives debtor funds for creditor distribution for debtor-paid remuneration | Trust, payment-processing and other regimes require an activity-specific examination |\n| Licensed insolvency trustee (LIT) administering a statutory proceeding | Separate federal insolvency authority; CDSSA has a function-specific statutory-professional exemption | A “debt advisor” or referral firm is not an LIT merely because it works with one |\n| Ontario lawyer or paralegal practising professionally | Potential professional-practice exemption | Exact professional licence, regular-practice activities, employees and regulatory carve-backs must be established |\n| Non-profit credit counsellor | No blanket exemption for every charity or all services | Registered-charity and non-profit predicates affect specified rules, particularly agency filing fees; paid negotiation still requires classification |\n\nThese distinctions follow CDSSA sections 1–2, 4–5 and 11 and Regulation 74 sections 18.1–19.11. The 2018 Registrar bulletin expressly confirms removal of individual collector registration and bonds. Legislative Assembly of Ontario+4\n\n### Registration and operating conditions\n\nFor an ordinary covered agency:\n\n- Registration with Ontario's Registrar is required before operating. A business operating under another province's registration is not thereby registered in Ontario.\n- A corporate agency must be incorporated under legislation of Ontario, Canada, or another Canadian province or territory. A foreign-only incorporation fails that particular statutory condition unless the structure changes in a legally valid way.\n- Regulation 74 requires a permanent Ontario business location that is not a dwelling and is open during normal business hours. The Registrar's September 2021 bulletin permits remote work activities while requiring specified records to remain at the registered premises.\n- The applicant's relevant experience must satisfy the regulatory two-year-or-equivalent test. Where the examination requirement applies, the official pass mark is 75% and the examination fee is CAD $10.\n- Ontario's published application material lists CAD $290 for an agency application or renewal and CAD $290 per branch. These are governmental registration charges, not permissible charges to a debtor.\n- Renewal material includes agency and key-person disclosures and accountant-certified financial statements addressing trust-account compliance. A complete timely renewal is important: a lapse can require cessation of agency operations and a new registration approval.\n- No current general agency bond requirement was identified; the Registrar expressly recorded its removal effective January 2018. That does not mean there are no financial-statement, accounting or trust requirements. ontario.ca+6\n\nA February 2026 Registrar bulletin concerning place-of-business requirements was discovered, but the document body was inaccessible. The enacted section 13(10) is therefore the controlling verified text; any administrative elaboration from that bulletin remains a follow-up item.\n\n### Exceptions require their predicates\n\nThe statutory exceptions include specified work by Ontario lawyers, regulated financial institutions, insurers and certain insolvency or court-appointed professionals, as well as other narrowly described persons acting in their authorized capacities. Regulation 74 section 18.1 applies some provisions back to lawyers who publicly present a debt-collection service outside their regular professional work; section 18.2 addresses paralegals. Neither “lawyer,” “charity” nor “financial institution” should become an automatic database-wide exemption flag. ontario.ca+3\n\nA particularly easy error involves charitable credit counselling. Regulation 74 section 19.1(2) provides a government-fee exemption for a non-profit corporation that is an Income Tax Act registered charity providing credit counselling. The section's older individual-collector-registration language must be read in light of the 2018 removal of that registration system. It should not be used to infer exemption from agency registration, consumer-fee caps or contracts. ontario.ca+2\n\nOntario provides a public read-only [business licence and registration search](https://www.ontario.ca/page/search-business-licence-registration-or-appointment?utm_source=chatgpt.com) that covers collection agencies, debt-settlement providers and debt purchasers. The relevant checks are registration type, name, status, number and location, with attention to the directory's update limitations. No person or business was searched in this pass. ontario.ca\n\n## C. Consumer fees, performance and funds\n\n### Two prescribed contract methods\n\nRegulation 74 section 27 requires an agency to specify the applicable method. The two alternatives have distinct bases:\n\n| Method | Maximum consumer charge stated in the prescribed agreement | What it is not |\n| --- | --- | --- |\n| Proposed schedule of payments to creditors | 15% of each payment the debtor makes to a creditor under the covered debts | Not 15% of the original enrolled balance as an immediately earned fee |\n| Negotiated one-time payment on or before a specified date, below the debt | 10% of the amount of each debt when the debtor signed the agreement, for debts actually settled through the agency | Not automatically 10% of savings, and not a charge for every debt merely enrolled |\n\nThese are ceilings, not Ontario's mandatory price for all providers. They apply to the ordinary covered agency under the relevant model. A contract can charge less; an exempt professional or a transaction outside the definition cannot automatically be assigned this fee schedule. ontario.ca+2\n\n### When may the agency earn or take its fee?\n\nUnder Regulation 74 section 28(1)–(2), for each creditor separately:\n\n1. The debtor must have an agreement with that creditor about the amount to be paid to settle the debt.\n2. The debtor must have made at least one payment under that agreement.\n3. The agency must possess written evidence of that payment.\n4. The charge must remain within the applicable contractual and regulatory limits.\n\nA success on debt A does not authorize a fee for debts B and C. Section 28(3) adds a proportional ceiling on fees allocated to each creditor, using the agreement-wide permissible amount multiplied by that creditor's share of the debts. Section 28(4) permits a distinct one-time fee of no more than CAD $50 in the schedule-of-payments model before the normal earning prerequisites are met. Section 28(5) has a narrow dishonoured-cheque charge tied to the financial institution's actual charge. ontario.ca+3\n\nCDSSA section 16.6 additionally prohibits unauthorized advance payment or security and reaches compensation paid indirectly or to another person as a condition of entering the arrangement. An agency that contracts before being registered is not entitled to fees for those services simply because it later registers or eventually negotiates a settlement. Legislative Assembly of Ontario\n\n### Money held for creditors is not the agency's earned fee\n\nRegulation 74 section 17(1) treats normal-course money received from clients or debtors as trust money, except amounts clearly representing earned fees. It also expressly includes advance deposits for future services or expenses in the trust definition. Section 17 imposes designated separate trust-account and controlled-withdrawal rules; trust funds received from Ontario debtors generally must be deposited within two banking days. Use of a qualifying trust account elsewhere in Canada is conditioned on creditor instructions, equivalent restrictions, notification and written Registrar consent—not a free choice of foreign account. Section 18 requires accounting and remittance, generally by the 20th of the following month, subject to specified small-balance and unclaimed-fund rules. January 2018+4\n\nMaterial source inconsistencyOntario's online agency guide places advance payments for future services outside its short description of trust funds, whereas the Registrar's official bulletin reproduces section 17(1) expressly including those advances. The enacted regulation is the stronger authority. More importantly, characterizing a prohibited upfront fee as “trust money” cannot make charging it lawful. That conflict requires direct regulatory-text reconciliation before publishing categorical instructions. ontario.ca+1\n\nCreditor-funded remuneration is addressed by a mandatory contract disclosure: the agency must say whether it receives or seeks creditor funding connected to the debtor's agreement. The precise application of the debtor-paid statutory definition to a genuinely creditor-only-funded advisory arrangement remains fact-dependent. An agency cannot safely evade debtor-fee rules with a compulsory third-party payment or a differently labelled referral charge. Tax treatment or a GST/HST addition to a particular price was not established here and is not included in the examples.\n\n## D. Agreements, cancellation and remedies\n\n| Consumer question | Ontario rule | Necessary qualification |\n| --- | --- | --- |\n| Must there be a contract before services? | Yes: prescribed written agreement, delivered no later than entering the agreement, in a retainable form | Agency must be properly registered and agreement compliant |\n| What appears in it? | Identified parties and agency registration, affected creditors and balances, services, price and payment terms, method and timing, required disclosures, funding source, signatures and termination information | Detailed requirements are in Regulation 74 section 27; the actual private document must be inspected |\n| What must be first? | Prescribed front-page document: “Settling Debt—What You Need to Know” for one-time settlements, or “Repaying Debt and Credit Counselling—What You Need to Know” for a payment schedule | Both prescribed forms are dated November 24, 2014 |\n| Can a debtor cancel without giving a reason? | From entry into the agreement through 10 days after receiving the written copy | Actual receipt/delivery and applicable notice facts must be established |\n| What if a compliant copy was never provided? | Separate cancellation right within one year after entering the agreement | Requires the section 16.5(1) noncompliance predicate |\n| How is notice given? | CDSSA section 16.7 incorporates CPA 2002 sections 92 and 94: notice can generally be oral or written unless regulations require otherwise; a written notice delivered other than personally is generally deemed given when sent | Preserve evidence of content, destination and sending; do not confuse sending with a separate refund-response receipt trigger |\n| What is cancelled? | Agency service agreement and specified related agreements, guarantees and financing instruments | Not the debtor's settlement agreement with a creditor merely because the agency contract is cancelled |\n| When can fees be demanded back? | A cancelling debtor may demand payments made under the agreement within one year of entering it; an illegally charged fee has a separate one-year-from-payment demand route | Regulation prescribes refund administration, generally within 15 days after the agency receives the demand |\n| Can a contract waive these protections? | CDSSA section 22.1 renders waivers or releases of statutory rights void | Does not independently cancel an underlying debt |\n\nThe statute also provides a particular private court remedy. Under section 16.10, a debtor can bring an action in Ontario's Superior Court of Justice to recover prohibited charges/payments; if successful, the court ordinarily orders full recovery unless inequitable and may award exemplary, punitive or other proper relief. This is legally distinct from a Registrar penalty, registration suspension, administrative charge or criminal conviction. Legislative Assembly of Ontario+5\n\nFor amendments, Regulation 74 section 27 provides a renewed 10-day copy-receipt cancellation window for a qualifying amendment and preserves previously acquired rights and already settled debts. For an agreement entered before July 1, 2015, section 32's transition must be assessed before applying the later debt-settlement contract provisions. ontario.ca+1\n\nPublished forms access limitation: Both prescribed Ontario form entries were located in the Central Forms Repository, including English and French downloads. The one-time-payment PDF yielded only an Adobe/XFA compatibility message; the schedule-form download returned an unsupported content type. Consequently, the actual form-body wording was not readable and has not been invented. Their identity and first-page requirement are verified, but compliance with their complete printed content remains an explicit publication hold. Central Forms Repository (CFR)+5\n\nOntario's complaint guidance directs consumers first toward a documented written attempt to resolve the issue with the business and subsequently identifies the ministry's complaint route. A published ministry complaint-notice form describes a three-week business-response stage and possible Registrar enforcement; it is not a judicial decision or a guarantee of individual reimbursement. Official court/legal-help information remains a separate read-only pathway. No complaint or contact was made. files.ontario.ca+2\n\n## E. Federal boundary: private negotiation is not insolvency\n\nThe federal Bankruptcy and Insolvency Act (BIA), R.S.C. 1985, c. B-3, governs statutory bankruptcy and consumer-proposal processes; its official current text is consolidated through September 30, 2026, with a recorded June 20, 2026 amendment. Relevant gateways include sections 13 and 66.11–66.14. The OSB identifies a licensed insolvency trustee as the authorized professional administering these statutory proceedings. Under BIA section 66.13, a consumer-debtor proposal begins through assistance from the administrator and prescribed financial information—not a private settlement company's promise. laws-lois.justice.gc.ca+3\n\nThe OSB expressly warns about fee-charging debt advisors or lead generators that imply they can file consumer proposals, possess LIT status or provide access that consumers must buy. It also makes the important counterpoint that debt-management advice as such is not inherently prohibited; the activity and any insolvency-process representations determine the applicable rules. No federal statutory stay, compromise of dissenting creditors or discharge should be represented as the automatic consequence of an ordinary private settlement contract. ised-isde.canada.ca\n\n## F. Worked decisions — invented Ontario examples\n\nAll amounts are hypothetical Canadian dollars. They assume a current, properly registered Ontario agency; covered debtor-paid services; a compliant written agreement using the specified method; disclosed fees no higher than the stated examples; no taxes or separate creditor charges; and no accrued interest during the snapshot. The actual documents, creditor assent and time facts would govern any real case.\n\n### Example 1 — three debts, one-time-settlement method\n\nAt agreement signature:\n\n| Creditor | Starting balance | 10% ceiling if settled through agency | Present outcome | Fee presently supportable |\n| --- | --- | --- | --- | --- |\n| A | $4,800.00 | $480.00 | Written full-satisfaction agreement for $2,400; debtor paid $2,400; agency has written evidence | $480.00 maximum |\n| B | $3,600.00 | $360.00 | No creditor agreement | $0.00 |\n| C | $1,600.00 | $160.00 | Creditor offered a $1,000 settlement, but no debtor payment yet | $0.00 |\n| Total | $10,000.00 | $1,000.00 theoretical aggregate | Only A has met every fee trigger | $480.00 |\n\nSection 28(3) allocation independently produces:\n\n- A: $1,000 × $4,800 / $10,000 = $480.00\n- B: $1,000 × $3,600 / $10,000 = $360.00, but $0 currently earned\n- C: $1,000 × $1,600 / $10,000 = $160.00, but $0 currently earned\n\nIf the firm charges the allowable $480, debtor cash outflow is $2,400 creditor payment + $480 provider fee = $2,880. Assuming creditor A's written terms make the $2,400 payment full satisfaction, A's remaining balance is $0; B and C still total $5,200 before interest or charges.\n\nIf the debtor then validly exercises a still-open statutory cancellation right and makes the qualifying refund demand, the provider returns the $480 already paid. Net consumer cash outflow becomes $2,400, while the completed agreement with A remains separately effective. Without the full-satisfaction writing, do not infer A was discharged. ontario.ca+3\n\n### Example 2 — two debts, payment-schedule method\n\nAt signature A owes $6,000 and B owes $4,000. The compliant schedule proposes to repay the full $10,000 in creditor payments. Its eventual percentage ceiling, if all such payments occur, is 15% × $10,000 = $1,500. The proportional creditor ceilings are:\n\n- A: $1,500 × $6,000 / $10,000 = $900\n- B: $1,500 × $4,000 / $10,000 = $600\n\nSuppose A agrees in writing to the schedule; the debtor makes one $500 payment to A, and the agency obtains written evidence. B has neither agreement nor payment. The agency's currently supportable percentage fee for the A payment is 15% × $500 = $75—well within A's proportional ceiling. The contract also calls for the separately permitted one-time $50 schedule-model fee, already paid. Thus:\n\n| Calculation | CAD |\n| --- | --- |\n| Creditor A paid | $500.00 |\n| Provider percentage fee actually triggered | $75.00 |\n| Permitted one-time schedule fee assumed charged | $50.00 |\n| Consumer cash out | $625.00 |\n| A balance, ignoring interest | $5,500.00 |\n| B balance | $4,000.00 |\n| Remaining creditor balances | $9,500.00 |\n\nIf proper statutory cancellation and a timely refund demand occur, the assumed $75 + $50 = $125 paid under the agency agreement is refundable, leaving a net consumer cash cost of $500 to the creditor. The original creditor balance remaining is still $9,500. This computation does not make the agency entitled to $75 without the written creditor agreement, actual creditor payment, agency evidence, valid provider registration and compliant contract. The treatment of any different contractual allocation of the $50 charge would require contract review. ontario.ca+4\n\n### Example 3 — claimed charitable exemption with a missing predicate\n\nA company advertises itself as “non-profit credit counselling” and negotiates debts for a consumer fee. Its Canadian registered-charity status cannot be established.\n\nDecision: Do not suppress the agency-registration or fee rules. Obtain evidence of its legal structure, registered-charity qualification, actual activities and Ontario registration. Even proven section 19.1(2) charitable status affects the government registration fee, not an unlimited right to charge consumers upfront. If the entity only supplies uncompensated financial education and never performs the statutory activities, the initial classification may differ. ontario.ca+2\n\n### Example 4 — out-of-province remote provider\n\nA corporation based outside Ontario solicits an Ontario resident remotely, charges for negotiating credit-card debts and claims that its home-jurisdiction authorization is sufficient.\n\nDecision: The Ontario debtor's location during the dealing potentially satisfies CDSSA section 2(0.1). The agency-registration, Canadian-incorporation and permanent-Ontario-location requirements need examination. Unknown facts include who made the offer, where each party was when dealing occurred, which legal entity contracted, where money is held and whether any claimed exemption applies. An unrelated province's authorization alone does not resolve Ontario compliance. ontario.ca+3\n\n### Example 5 — delivered copy, defective copy or uncertain notice\n\nAn Ontario debtor signed an agreement, but cannot establish whether the agency delivered the prescribed written copy or when a cancellation email was sent.\n\n| Facts established | Potential branch |\n| --- | --- |\n| A compliant copy was received | Ordinary cancellation period runs through 10 days after receipt |\n| No copy meeting CDSSA section 16.5(1) was delivered | The separate one-year-from-agreement cancellation branch may apply |\n| A copy was delivered but its completeness is disputed | Examine signed agreement and prescribed first page; classification is unresolved |\n| Timely written cancellation sent to an authorized address with evidence | CPA section 92's when-sent rule may determine giving of notice |\n| No proof of address, sending, content or timing | Notice effectiveness cannot safely be declared; preserve all correspondence |\n| Valid cancellation but no timely refund demand | The statutory refund-demand step must be separately analyzed; do not presume an automatic bank credit |\n\nNo calendar deadline is calculated because signature, compliant-copy receipt, notice method, destination and possible amendment facts are missing. Legislative Assembly of Ontario+3\n\n### Example 6 — professional title without professional-work facts\n\nA debt-relief service says that “a lawyer oversees all negotiations.” It does not establish that the contracting and negotiating person is an Ontario-licensed professional acting in regular professional practice.\n\nDecision: This claim alone is insufficient for the professional exception. Determine contracting entity, professional qualification, work actually performed, fee recipient, employee authority, public-facing collection activity and Regulation 74 sections 18.1–18.2 carve-backs. The adverse branch is unregistered agency activity and loss of fee entitlement under section 16.6(4), without any automatic cancellation of the consumer's original debts. ontario.ca+2\n\n## Register 1 — primary sources and access provenance\n\nSource-check window: October 26, 2026, approximately 20:38–20:53 UTC / 1:38–1:53 p.m. Pacific (PDT) / 4:38–4:53 p.m. Ontario (EDT). All entries below are fresh public-source retrievals in this pass; no sibling findings, previous model reports or coordinator materials were adopted.\n\nReading-status terms:\n\n- Body read: relevant text actually returned and examined.\n- Indexed excerpt: official source's relevant statutory or guidance wording surfaced in search, but direct page access failed. This is weaker than examination of the complete current consolidation.\n- Metadata only / unread: the item was identified but its substantive body could not be examined.\n- PDF `P0`, `P1`, etc., means a zero-based text-extraction page index, not a visual screenshot. No PDF page pixels were inspected.\n\nThe full URLs are given literally, rather than shortened citation references.\n\n| ID | Issuer; primary document and full direct URL | Pinpoints; version/effective status; jurisdiction and scope | Material examined, access and limits |\n| --- | --- | --- | --- |\n| C_CA-P01-S001 | Ontario e-Laws, Collection and Debt Settlement Services Act, R.S.O. 1990, c. C.14. [https://www.ontario.ca/laws/statute/90c14](https://www.ontario.ca/laws/statute/90c14?utm_source=chatgpt.com) | §§1(1), 2(0.1), 2(1), 2.1, 4–5, 8, 11, 16.3–16.10, 22–22.1, 25, 28–29.0.1, 32; consolidation from 2023-12-06 to e-Laws currency date; Ontario collection/debtor-paid-settlement actors | Official indexed excerpts, several section-specific queries; direct full-text `open` 403. Current e-Laws status shown; sections not reproduced in full remain dependent on indexing or S002/S003. ontario.ca+3 |\n| C_CA-P01-S002 | Ontario e-Laws, General, R.R.O. 1990, Reg. 74. [https://www.ontario.ca/laws/regulation/900074](https://www.ontario.ca/laws/regulation/900074?utm_source=chatgpt.com) | §§12–19.11, 26–30; consolidation from 2022-03-01 to currency date; Ontario agency, collector, professional and debtor | Official indexed excerpts, including §17 trust, §27 agreement, §28 fees and §29 conduct; direct complete page 403. Material subsection fragments read; complete current regulation not linearly read. ontario.ca+3 |\n| C_CA-P01-S003 | Ontario Legislative Assembly, Stronger Protection for Ontario Consumers Act, 2013, Bill 55 legislative text. [https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55](https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55?utm_source=chatgpt.com) | Debt-settlement amendments to §§1–2.1, 16.3–16.10, 22, 25, 28, 32; historic 2013 enactment text, not a substitute for today's consolidation | Body read, especially HTML lines 500–731. Legislative display contains amendment markup and multiple text stages; historical wording cross-checked against indexed current S001 where available. Legislative Assembly of Ontario+2 |\n| C_CA-P01-S004 | Ontario Gazette, Vol. 147, Issue 52, proclamation. [https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014](https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014?utm_source=chatgpt.com) | Proclamation of debt-settlement amendments for 2015-07-01; Ontario transitional timing | Official indexed excerpt, direct page 403; historic effective-date evidence, not a new 2026 event. ontario.ca |\n| C_CA-P01-S005 | Ontario e-Laws, O. Reg. 309/14 amending Regulation 74. [https://www.ontario.ca/laws/regulation/r14309](https://www.ontario.ca/laws/regulation/r14309?utm_source=chatgpt.com) | Enacted 2014 regulation provisions inserting §27–30 rules; effective in relevant 2015 reform phase | Official indexed excerpts, including §28 creditor-by-creditor triggers, promotional and contract requirements. Amendment must be read with current S002. ontario.ca+2 |\n| C_CA-P01-S006 | Ontario e-Laws, O. Reg. 460/17. [https://www.ontario.ca/laws/regulation/r17460](https://www.ontario.ca/laws/regulation/r17460?utm_source=chatgpt.com) | 2017 amendments, particularly Regulation 74 §13 business requirements and debt-collection exceptions; phased 2018 implementation | Official indexed excerpts read; not the complete amending instrument. ontario.ca+1 |\n| C_CA-P01-S007 | Ontario e-Laws, O. Reg. 319/18. [https://www.ontario.ca/laws/regulation/r18319](https://www.ontario.ca/laws/regulation/r18319?utm_source=chatgpt.com) | 2018 lawyer/paralegal definitions and §§18.1–18.2 modifications; Ontario regulated professionals | Official indexed excerpts read; complete current professional carve-backs only partly retrieved. ontario.ca+1 |\n| C_CA-P01-S008 | Ontario e-Laws, O. Reg. 461/17, Administrative Penalties. [https://www.ontario.ca/laws/regulation/170461](https://www.ontario.ca/laws/regulation/170461?utm_source=chatgpt.com) | Prescribed CDSSA/Reg. 74 contraventions and penalties; current consolidation from 2022-03-01; public enforcement | Indexed provisions/table entries read, including unlawful-refund and recordkeeping failures. Direct page inaccessible. ontario.ca+2 |\n| C_CA-P01-S009 | Ontario e-Laws, Consumer Protection Act, 2002, S.O. 2002, c. 30, Sch. A. [https://www.ontario.ca/laws/statute/02c30](https://www.ontario.ca/laws/statute/02c30?utm_source=chatgpt.com) | §§1–2, 92(1)–(5), 94; current consolidation 2025-12-11 to currency date; Ontario consumer and expressly incorporated CDSSA notices | Indexed operative excerpts read, including oral/written notice and when-sent deeming. Direct full page inaccessible. Applicable CPA exemptions and other remedies not exhaustively examined. ontario.ca+2 |\n| C_CA-P01-S010 | Ontario e-Laws, Consumer Protection Act, 2023, S.O. 2023, c. 23, Sch. 1. [https://www.ontario.ca/laws/statute/23c23](https://www.ontario.ca/laws/statute/23c23?utm_source=chatgpt.com) | Enacted 2023-12-06; expressly not yet in force as checked; related prospective CDSSA §111 amendments | Official indexed enactment/status text read; future cross-references excluded from present rules. Direct page inaccessible. ontario.ca |\n| C_CA-P01-S011 | Ontario ministry, Business Guide to Consumer Protection (2024). [https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf](https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf?utm_source=chatgpt.com) | PDF P0–P4 (zero-based), especially P3 discussion of currently operative CPA; informational, not enacted law | PDF text layer read on relevant pages; 20-page PDF, not all pages read. Published 2024; does not independently establish later proclamation. forms.mgcs.gov.on.ca |\n| C_CA-P01-S012 | Ontario Registrar, Registrar's Bulletin — January 2018 (dated Jan. 5). [https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf](https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf?utm_source=chatgpt.com) | PDF P0–P2: 2018 commencement, bonds, individuals, Reg. 74 §17(1), trust and financial statements; historical official administration | PDF text layer/body read P0–P2. Bulletin not itself an amendment; identifies January/July 2018 effective events. File-name 2023 date not treated as 2018 legal commencement. January 2018+1 |\n| C_CA-P01-S013 | Ontario Registrar, Registrar's Bulletin — September 2021 (dated Sept. 24). [https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf](https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf?utm_source=chatgpt.com) | PDF P0–P2; Reg. 74 §§13(6), 13(10), 13(12), 14, 16; remote work, records, renewals | PDF body/text layer read P0–P2. Administrative guidance; historical date and supersession potential disclosed. September 2021+1 |\n| C_CA-P01-S014 | Ontario ministry, A guide for collection agencies. [https://www.ontario.ca/page/guide-collection-agencies](https://www.ontario.ca/page/guide-collection-agencies?utm_source=chatgpt.com) | Registration/conduct overview; page updated around 2024-09-25; Ontario agencies and collectors | Indexed extracts read; direct 403. Page update is not an enactment. Contains the agency/individual distinction. ontario.ca+1 |\n| C_CA-P01-S015 | Ontario ministry, Apply to register a collection agency. [https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency](https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency?utm_source=chatgpt.com) | Agency/branch application, place, examination, CAD fees; published around 2023 and retrieved 2026 | Indexed extracts read, including $10 examination/75%; direct 403; no application submitted. ontario.ca+1 |\n| C_CA-P01-S016 | Ontario ministry, Renew a collection agency registration. [https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration](https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration?utm_source=chatgpt.com) | Renewal procedures, documentary requirements and fees; guidance not statute | Indexed extract/metadata, direct 403; more reliable detailed renewal body S013 P1–P2. Internal Error |\n| C_CA-P01-S017 | Ontario ministry, Conducting business. [https://www.ontario.ca/document/guide-collection-agencies/conducting-business](https://www.ontario.ca/document/guide-collection-agencies/conducting-business?utm_source=chatgpt.com) | Agency names, incorporation, changes and conduct; Ontario current guidance | Indexed excerpts read, direct full page not obtained. ontario.ca |\n| C_CA-P01-S018 | Ontario ministry, Trust accounts and trust funds. [https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds](https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds?utm_source=chatgpt.com) | Trust handling; ministry explanatory guidance | Indexed excerpt read, including apparently conflicting advance-payment description; direct body inaccessible. Explicitly not relied on over enacted Reg. 74 §17(1). ontario.ca |\n| C_CA-P01-S019 | Ontario ministry, Compliance and enforcement. [https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement](https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement?utm_source=chatgpt.com) | Registrar actions, administrative penalties and business compliance | Indexed excerpts read; no named case or disciplinary action looked up. ontario.ca+1 |\n| C_CA-P01-S020 | Ontario Gazette, Vol. 150, Issue 52, governmental notice of fees (Dec. 30, 2017). [https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other](https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other?utm_source=chatgpt.com) | Ministerial registration charge: CAD $290 agency application/renewal; CAD $290 branch; fees transferred to ministerial orders effective 2018 | Official indexed body excerpts read; direct current 2026 order not independently opened; current guide corroboration S015. Not consumer fee authority. ontario.ca+1 |\n| C_CA-P01-S021 | Ontario Central Forms Repository, Settling Debt — What You Need to Know, Form 11351. [https://forms.mgcs.gov.on.ca/en/dataset/11351](https://forms.mgcs.gov.on.ca/en/dataset/11351?utm_source=chatgpt.com) | Prescribed first page for one-time settlement method; dated 2014-11-24 under Reg. 74 §27 | Full repository listing read, including English/French files; form content itself unresolved, S022–S023. Central Forms Repository (CFR) |\n| C_CA-P01-S022 | Ontario, Form 11351e, English PDF. [https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf](https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf?utm_source=chatgpt.com) | PDF P0; official English front-page form; version/date required by §27 is 2014-11-24 | Unread substantive form: PDF extraction returned only Adobe Reader/XFA-compatibility text. No visual inspection; cannot certify actual passages. forms.mgcs.gov.on.ca |\n| C_CA-P01-S023 | Ontario, Form 11351f, French PDF. [https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf](https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf?utm_source=chatgpt.com) | PDF P0; official French equivalent | Unread substantive form, same XFA placeholder; no translated body inferred. forms.mgcs.gov.on.ca |\n| C_CA-P01-S024 | Ontario Central Forms Repository, Repaying Debt and Credit Counselling — What You Need to Know, Form 11352. [https://forms.mgcs.gov.on.ca/en/dataset/11352](https://forms.mgcs.gov.on.ca/en/dataset/11352?utm_source=chatgpt.com) | Prescribed first page for schedule method; §27; dated 2014-11-24 | Repository listing/body read, English/French files identified; actual form content unresolved. Central Forms Repository (CFR) |\n| C_CA-P01-S025 | Ontario, Form 11352e, English PDF. [https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf](https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf?utm_source=chatgpt.com) | Prescribed schedule disclosure, PDF pages not determinable | Failed fetch, unsupported `application/octet-stream`; no body read. No repeat of unchanged failed fetch. Internal Error |\n| C_CA-P01-S026 | Ontario, Form 11352f, French PDF. [https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/9bef090f-71a9-4301-bf4f-e82c49876241/download/11352f.pdf](https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/9bef090f-71a9-4301-bf4f-e82c49876241/download/11352f.pdf?utm_source=chatgpt.com) | Official French schedule disclosure; pages not determinable | Failed fetch, unsupported `application/octet-stream`; no body/translation read. Internal Error |\n| C_CA-P01-S027 | Ontario ministry, Debt Collection: Information About Your Rights. [https://files.ontario.ca/collection_and_debt_settlement_services_act_disclosure_statement.pdf](https://files.ontario.ca/collection_and_debt_settlement_services_act_disclosure_statement.pdf?utm_source=chatgpt.com) | PDF P0, dated 2018-03-01, creditor-side initial collector notice | Complete one-page PDF text read. Crucially not either prescribed debt-settlement-agreement first page; excluded as substitute. files.ontario.ca |\n| C_CA-P01-S028 | Ontario ministry, Complaint Notice: Debt Settlement Service. [https://files.ontario.ca/cpo_0008-17_cpo_notices_debt_settlement.pdf](https://files.ontario.ca/cpo_0008-17_cpo_notices_debt_settlement.pdf?utm_source=chatgpt.com) | PDF P0–P1; preliminary complaint and enforcement process | Complete two-page text read. Administrative template, not a court holding or a source of private statutory compensation. files.ontario.ca |\n| C_CA-P01-S029 | Ontario ministry, Filing a consumer complaint. [https://www.ontario.ca/page/filing-consumer-complaint](https://www.ontario.ca/page/filing-consumer-complaint?utm_source=chatgpt.com) | Public read-only complaint pathway and prerequisites | Indexed excerpts only, direct 403; no filing, business contact or case inquiry. Internal Error |\n| C_CA-P01-S030 | Ontario public business registration directory. [https://www.ontario.ca/page/search-business-licence-registration-or-appointment](https://www.ontario.ca/page/search-business-licence-registration-or-appointment?utm_source=chatgpt.com) | Collection agency/debt settlement provider types and public registration fields; Ontario | Official indexed discovery/features, direct public page not fully read; no entity searched. ontario.ca |\n| C_CA-P01-S031 | Ontario ministry, Registrar bulletin concerning place-of-business requirements, dated 2026-02-26. [https://www.ontario.ca/files/2026-03/mpbsdp-registrars-bulletin-place-of-business-requirements-en-2026-02-26.pdf](https://www.ontario.ca/files/2026-03/mpbsdp-registrars-bulletin-place-of-business-requirements-en-2026-02-26.pdf?utm_source=chatgpt.com) | Apparent recent guidance relevant to Reg. 74 §13(10), not enacted regulation | Discovery only / PDF fetch 403. No proposition about the bulletin's actual operative text adopted. Internal Error |\n| C_CA-P01-S032 | Ontario e-Laws, French official statute: Loi sur les services de recouvrement et de règlement de dette. [https://www.ontario.ca/lois/loi/90c14](https://www.ontario.ca/lois/loi/90c14?utm_source=chatgpt.com) | French version of S001; same provincial subject and legal currency issue | Official indexed title/excerpts, complete French law not read; no certified bilingual discrepancy review.  |\n| C_CA-P01-S033 | Ontario e-Laws, French Reg. 74: Dispositions générales. [https://www.ontario.ca/lois/reglement/900074](https://www.ontario.ca/lois/reglement/900074?utm_source=chatgpt.com) | French version of S002, including §§17, 18.1–19.11 and 27–28 | Official indexed excerpts only; language-specific contract/exception wording not exhaustively compared. ontario.ca+1 |\n| C_CA-P01-S034 | Government of Canada, Bankruptcy and Insolvency Act, R.S.C. 1985, c. B-3. [https://laws-lois.justice.gc.ca/eng/acts/B-3/FullText.html](https://laws-lois.justice.gc.ca/eng/acts/B-3/FullText.html?utm_source=chatgpt.com) | §§2, 13, 66.11–66.14, 66.26, 202(1)(a); federal consolidation current to 2026-09-30, last amendment 2026-06-20 | Official statutory HTML body read in material sections. English version used; French statutory wording and wider insolvency provisions not exhaustively reviewed. laws-lois.justice.gc.ca+2 |\n| C_CA-P01-S035 | Canada OSB, What is a Licensed Insolvency Trustee? [https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee](https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee?utm_source=chatgpt.com) | Federal LIT authority, insolvency proceedings, oversight; web page modified 2016-06-05 | Relevant page body read. Informational source subordinate to BIA; older publication date disclosed. ised-isde.canada.ca |\n| C_CA-P01-S036 | Canada OSB, The Adverse Effects of the Debt Advisory Marketplace on the Insolvency System. [https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/adverse-effects-of-the-debt-advisory-marketplace-on-the-insolvency-system](https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/adverse-effects-of-the-debt-advisory-marketplace-on-the-insolvency-system?utm_source=chatgpt.com) | Federal regulator's debt-advisor/lead-generator positions, especially body ¶-equivalent HTML lines 37–58, 78–106, 108–144, 176–205, 237–263 | Material body read; OSB policy/interpretation is distinguished from enacted offence elements. Not a finding about any named firm. ised-isde.canada.ca |\n| C_CA-P01-S037 | Canada OSB, You Owe Money — Consumer Proposals. [https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals](https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals?utm_source=chatgpt.com) | Federal statutory proposal distinction and LIT administration | Official indexed excerpt, not a complete process review. Consumer proposals |\n| C_CA-P01-S038 | Ontario Tribunals, Licence Appeal Tribunal, Laws, rules and decisions. [https://tribunalsontario.ca/lat-gs/laws-rules-and-decisions/](https://tribunalsontario.ca/lat-gs/laws-rules-and-decisions/?utm_source=chatgpt.com) | Jurisdiction listing includes CDSSA; administrative appeal decision research doorway | Page text surfaced/read via search, no material CDSSA merits decision located in bounded case searches. tribunalsontario.ca |\n| C_CA-P01-S039 | Ontario Superior Court of Justice, Decisions of the Court. [https://www.ontariocourts.ca/scj/about-the-court-2/decisions-of-the-court/](https://www.ontariocourts.ca/scj/about-the-court-2/decisions-of-the-court/?utm_source=chatgpt.com) | Court judgment repository/currency and official-record qualifications | Official page body excerpt read: CanLII is not exhaustive and the signed court-file original controls. No CDSSA fee decision holding adopted. Ontario Superior Court of Justice |\n| C_CA-P01-S040 | Ontario Superior Court of Justice, Finding Legal Help and Representation. [https://www.ontariocourts.ca/scj/areas-of-law/small-claims-court/finding-legal-help/](https://www.ontariocourts.ca/scj/areas-of-law/small-claims-court/finding-legal-help/?utm_source=chatgpt.com) | Read-only legal-help options | Official page text surfaced/read; no referral performed. ontariocourts.ca |\n\nVersion caution: A prior historical version of a regulation may display a now-repealed bond or individual-collector-registration clause, or a prospective commencement note. The current consolidations (S001–S002), with applicable historical and transitional provisions, control the present rule. A form listing, an inaccessible PDF, an HTML search snippet, a ministerial guide and a formal statute do not have identical evidentiary weight.\n\n## Register 2 — atomic claim-to-authority ledger\n\nThis register assigns a separate identifier to each material rule or research-limitation finding. “Indexed” means the rule was recovered from Ontario's official indexed text but the entire current enactment was not directly readable. Statutory provisions are controlling to the extent accurately reflected in the current consolidation; a ministry interpretation is identified separately.\n\n### A. Framework, jurisdiction and classification\n\n| Claim ID | Precise claim, application and qualification | Source ID and pinpoint |\n| --- | --- | --- |\n| C_CA-P01-C001 | Ontario's principal debtor-paid debt-settlement framework is the CDSSA and its General Regulation 74; this is a provincial, not Canada-wide, regulatory determination. | S001 §§1, 16.3–16.10; S002 §§27–30; indexed |\n| C_CA-P01-C002 | CDSSA consolidation runs from December 6, 2023; Reg. 74 from March 1, 2022. These are consolidation starting dates, not every provision's commencement date. | S001 and S002, e-Laws consolidation headers; indexed |\n| C_CA-P01-C003 | Consumer Protection Act, 2023 is enacted but not yet operative; CDSSA's references to CPA 2002 §§92, 94 remain the presently applicable cancellation route. | S010 commencement note; S001 §16.9; S009 §§92, 94; S011 P3; indexed/statutory and ministry corroboration |\n| C_CA-P01-C004 | The debt-settlement statutory changes relevant to CDSSA §32 came into force July 1, 2015; pre-commencement agreements require the §32 amendment/renewal/extension test. | S004 proclamation; S001 §32; S003 enacted §32; historical/current indexed cross-check |\n| C_CA-P01-C005 | 2018 changes removed individual collector registration and general bonding on January 1; subsequent changes included trust-account arrangements effective July 1. | S012 PDF P0–P1, dated Jan. 5, 2018; enacted-regulation cross-check S002 §§13, 17 |\n| C_CA-P01-C006 | Debtor-paid offering/undertaking to negotiate or arrange with creditors, or receiving debtor money for distribution, can be “debt settlement services” even before a creditor accepts an offer. | S001 §1(1) defined term; S003 legislative text lines 503–515; current definition indexed |\n| C_CA-P01-C007 | Collecting for a creditor and buying delinquent debt to collect are separate collection-agency activities; they are not synonymous with debtor-paid negotiations. | S001 §1(1), definitions of collection agency/collector; S012 P0; indexed |\n| C_CA-P01-C008 | The Ontario-location gateway is met if either the debtor or applicable agency/collector is in Ontario when dealing occurs. | S001 §2(0.1); S003 lines 517–521; indexed |\n| C_CA-P01-C009 | Courts/tribunals examine an entity's or transaction's real substance and may disregard outward form; labels or entity splitting do not conclusively determine coverage. | S001 §2.1; S003 lines 522–526; indexed |\n| C_CA-P01-C010 | Corporate-debt collection was removed from CDSSA coverage in 2018; the effect on debt owed by individuals for business purposes or on debtor-paid settlement services requires separately applying exact definitions and exceptions. | S012 P0; S002 §19.7; S001 §§1–2; partially resolved, not a blanket exclusion |\n| C_CA-P01-C011 | CPA 2002's ordinary “consumer” scope involves personal, family or household rather than business purposes; the CDSSA-specific cancellation right separately incorporates CPA notice procedure. | S009 §§1–2, 92, 94; S001 §§16.7–16.9; indexed |\n| C_CA-P01-C012 | Ontario public regulator is the CDSSA Registrar within the ministry's consumer-protection system; the statute and regulation, not an external licence, determine provincial registration and enforcement. | S001 §§3–8, 27–29.0.1; S019 compliance guide; S028 P0–P1 |\n| C_CA-P01-C013 | French official statutory and regulatory versions exist, but no comprehensive bilingual substantive reconciliation was achieved. | S032 title; S033 title/§§18.1–19.11; language verification partial |\n\n### B. Actors, registration, exemptions and oversight\n\n| Claim ID | Precise claim, application and qualification | Source ID and pinpoint |\n| --- | --- | --- |\n| C_CA-P01-C014 | Ordinary covered debt-settlement agencies must register before conducting that business in Ontario. | S001 §4(1), §16.6(4); S014 registration overview; indexed |\n| C_CA-P01-C015 | Individual collectors remain regulated for conduct but do not need an individual Ontario collector registration under the post-2018 regime. Agency registration remains necessary. | S012 P0; S014 guidance; S001 §4, amended 2017 |\n| C_CA-P01-C016 | A corporate collection agency operating in Ontario must be incorporated under Ontario, Canadian, or another Canadian provincial/territorial law. | S001 §11; S017 incorporation guidance; indexed |\n| C_CA-P01-C017 | Regulated agencies must operate from a permanent non-dwelling Ontario location open during normal business hours. Remote staff do not eliminate required premises. | S002 §13(10); S013 P1; current indexed |\n| C_CA-P01-C018 | Certain remote-worker records must be kept at the agency's registered premises; local files only on an individual worker's computer are insufficient under the Registrar's published interpretation. | S002 §13(12); S013 P1; administrative guidance explaining regulation |\n| C_CA-P01-C019 | Agency experience is subject to the two-years-or-equivalent test; applicable examination pass mark is at least 75%, with official stated exam fee CAD $10. | S002 §§13, 15; S015 examination guide; indexed |\n| C_CA-P01-C020 | Official published agency registration/renewal fee is CAD $290, plus CAD $290 per branch; these are filing/registration fees, not debtor service charges. | S020 ministerial notice items 1–2; S015; official indexed, current administrative corroboration |\n| C_CA-P01-C021 | A general collection-agency bond is no longer a current registration requirement, effective January 2018; financial reporting and trust compliance remain. No universal insurance exemption was established. | S012 P0; S002 §§13–14; insurance-specific inquiry unresolved |\n| C_CA-P01-C022 | Renewal requires a timely, complete package, including pertinent disclosures and certified financial/trust reporting; lapse may require stopping business and obtaining a new registration. | S002 §§13–14; S013 P1–P2 |\n| C_CA-P01-C023 | Registrar refusal, renewal refusal, conditions, suspension or revocation are separate administrative processes, with procedural/tribunal routes; convictions and monetary penalties are not equivalent to private refunds. | S001 §§8, 28–29.0.1; S008; S019; S028 P1 |\n| C_CA-P01-C024 | Public read-only registration searches cover collection agencies, debt-settlement providers and debt purchasers; directory listing alone does not establish every contract's legality. | S030 directory category description; indexed/features only |\n| C_CA-P01-C025 | Ontario lawyer professional-work exemption requires legally qualifying professional status/activity; Reg. 74 §18.1 reapplies provisions in certain outward-facing collection activities beyond regular professional practice. | S001 §2(1)(a); S002 §18.1(1)–(9); S007 amendment; carve-back subparagraph verification partial |\n| C_CA-P01-C026 | Paralegals and their employees receive corresponding activity-dependent treatment under Reg. 74 §18.2; “paralegal” alone is not sufficient proof of an exemption. | S002 §18.2(1)–(4); S007 relevant amendments; indexed |\n| C_CA-P01-C027 | A qualifying non-profit registered charity providing credit counselling has a specified government-fee exemption, not a general exemption from agency or consumer rules. | S002 §19.1(1)–(2); S012 P0 (individual-registration repeal); indexed |\n| C_CA-P01-C028 | Professional, Bank Act, insurer, credit-union, trust/loan-company and specified insolvency/court-appointed exceptions depend on exact capacity and statutory predicates. | S001 §2(1) specified clauses; S002 §§18.1–19.11; individual exclusions partially read; no blanket extension |\n| C_CA-P01-C029 | Creditors acting on their own lawfully held claims differ from independent collectors; debt purchasers and affiliate arrangements have specific conditions, including name and delinquency predicates in particular exemptions. | S001 §§1, 2, 5; S002 §§19.5–19.11; indexed |\n| C_CA-P01-C030 | Simply originating a refinance loan, providing general financial education or referring a debtor is not necessarily the statutory debtor-paid negotiation activity; combining these with paid negotiations can change classification. | S001 §1(1), §2.1; S036 HTML lines 37–46; inference from statutory functions, not a categorical safe harbour |\n| C_CA-P01-C031 | Another jurisdiction's authorization does not remove the Ontario-location gateway or establish satisfaction of Canadian corporate incorporation, Ontario premises and agency registration. | S001 §§2(0.1), 4, 11; S002 §13(10); applied conditional inference |\n\n### C. Agreements, fees, payments and accounting\n\n| Claim ID | Precise claim, application and qualification | Source ID and pinpoint |\n| --- | --- | --- |\n| C_CA-P01-C032 | Covered debt-settlement services require a prescribed written agreement delivered by the time it is entered into, in a form the debtor can retain. | S001 §16.5(1), (3)–(4); S003 lines 554–570 |\n| C_CA-P01-C033 | Only one unexpired debt-settlement agreement may ordinarily operate between agency and debtor; related additional agreements can be deemed part of it. | S001 §16.5(2); S003 lines 563–564 |\n| C_CA-P01-C034 | Disclosure must be clear, comprehensible and prominent; ambiguities allowing multiple reasonable interpretations favour the debtor. | S001 §16.5(3)–(5); S003 lines 565–573 |\n| C_CA-P01-C035 | The applicable prescribed form dated November 24, 2014 must be the agreement's first page; selection depends on schedule versus one-time-settlement method. | S002 §27(1); S021/S024 repository identity; S022–S026 bodies unread |\n| C_CA-P01-C036 | Regulation 74 §27 specifies agency identity, registration details, creditors, balances, services, costs, dates, signatures, conditions, termination and appropriate schedule/settlement terms. | S002 §27(1), indexed; S005 enacted amendments; actual private agreements unavailable |\n| C_CA-P01-C037 | The agency must disclose whether it receives or will attempt to receive creditor funding connected to the debtor's arrangement. This does not itself prove such funding is lawful or unlawful in every structure. | S001 §16.5(1)(c); S002 §27(1) funding clause; indexed |\n| C_CA-P01-C038 | The schedule-payment model specifies a maximum of 15% of each creditor payment covered by the agreement. | S002 §27(1)(1)(ii); S005 corresponding amendment; indexed |\n| C_CA-P01-C039 | The qualifying one-time settlement model specifies a maximum of 10% of each debt's amount at agreement signing, only for debts settled through the agency. | S002 §27(1)(2)(ii); S005; indexed |\n| C_CA-P01-C040 | Before charging on a creditor's debt the agency needs a debtor–creditor agreement for the settlement amount, at least one payment under it and written evidence possessed by the agency. | S002 §28(1)(a)–(c); S005; indexed |\n| C_CA-P01-C041 | Those fee predicates apply creditor by creditor in a multi-creditor agreement; performance on one debt does not unlock another's fee. | S002 §28(2); S005; indexed |\n| C_CA-P01-C042 | Section 28(3) imposes the per-creditor allocation limit A×B/CA\\times B/CA×B/C, using the agreement-wide allowable services amount, particular creditor's debt and total debts. | S002 §28(3), variables A/B/C; S005; official indexed text |\n| C_CA-P01-C043 | Schedule-model agencies may charge a distinct one-time amount no greater than CAD $50 before the §28(1) performance conditions. | S002 §28(4); indexed; no extension to lump-sum-only method |\n| C_CA-P01-C044 | Dishonoured-cheque charges have a narrow §28(5) allowance tied to the actual financial-institution charge; unrelated administration, referral or setup labels have no automatic allowance. | S002 §28(5); S001 §16.6(1)–(2); indexed |\n| C_CA-P01-C045 | Direct/indirect advance consumer compensation or security is prohibited except where prescribed; “payment” includes remuneration channelled to another person as a contract condition. | S001 §16.6(1)–(3); S003 lines 575–585 |\n| C_CA-P01-C046 | A provider entering the settlement agreement before registration cannot become entitled to its services fee by later registering. | S001 §16.6(4); S003 lines 587–588 |\n| C_CA-P01-C047 | Unambiguously earned fees are excluded from §17(1) trust funds; other normal-course client/debtor money and future-service advances/deposits are included. | S002 §17(1); S012 PDF P2, lines 95–105 reproducing the provision |\n| C_CA-P01-C048 | Agencies maintain designated, separate trust accounts with restricted withdrawals; money may be withdrawn/disbursed only consistently with the terms on which it was received or another legal authorization. | S002 §17(2), (3), (5), (7); indexed |\n| C_CA-P01-C049 | Trust funds received from an Ontario debtor generally must be deposited within two banking days. | S002 §17(4); indexed |\n| C_CA-P01-C050 | A trust account elsewhere in Canada requires the particular creditor-instruction, equivalent-protection, Registrar-notice and written-consent conditions; no general foreign escrow safe harbour was proven. | S002 §17(4.2)–(4.3); S012 P1 |\n| C_CA-P01-C051 | Trust remittances are generally due to the person entitled by the 20th day of the next month; sums below CAD $15 have a 90-day rule and qualifying six-month unclaimed amounts go to the Minister. | S002 §18(1)–(2); indexed; applicable creditor-as-agency exception requires fact check |\n| C_CA-P01-C052 | The current Ontario guide's description of future-service advances conflicts with the Registrar's express quotation of Reg. 74 §17(1); the guide is not treated as amending law. | S018 indexed; S012 P2; source-conflict finding |\n| C_CA-P01-C053 | Agencies must retain specified negotiation, agreement, communication, payment and advertising records for six years measured under Reg. 74 §30(3). | S002 §30(1)–(3); S008 listed breach; indexed |\n| C_CA-P01-C054 | The debtor can request a written performance report; failing to provide it within 15 days is a prescribed prohibited practice. | S002 §29(4); S005; S008; official indexed |\n| C_CA-P01-C055 | Creditor-authorization and creditor-refusal notices have specified 15-day obligations; the agency cannot imply creditors are guaranteed to cooperate. | S002 §29 relevant paragraphs; S005; indexed |\n| C_CA-P01-C056 | Debt-settlement practices include restrictions on misleading outcomes/timing, debtor incentives, unauthorized information disclosure and limitations on the debtor's creditor communications. | S001 §§16.3–16.4, 25; S002 §§26, 29; full paragraph-by-paragraph comparison partial |\n| C_CA-P01-C057 | An agency advertising “typical results” must apply the regulated historical measurement rather than an invented savings guarantee; Regulation 74 uses a six-to-twelve-month period from the preceding year. | S002 §26(1)–(2); official indexed |\n\n### D. Cancellation, refund, remedies and enforcement\n\n| Claim ID | Precise claim, application and qualification | Source ID and pinpoint |\n| --- | --- | --- |\n| C_CA-P01-C058 | Without giving a reason, a debtor may cancel from agreement entry until 10 days after receiving its written copy. | S001 §16.7(1); S003 lines 596–598 |\n| C_CA-P01-C059 | If the debtor never receives a copy satisfying §16.5(1), an additional cancellation right exists within one year after entering the agreement. | S001 §16.7(2); S003 lines 600–601 |\n| C_CA-P01-C060 | Cancellation is governed by incorporated CPA 2002 §§92 and 94. Unless another regulation requires otherwise, notice can be oral or written; qualifying non-personally served written notice is deemed given when sent. | S001 §§16.7(3), 16.9; S009 §§92(1)–(5), 94(1); indexed |\n| C_CA-P01-C061 | Amending the agreement can restart the specified no-reason cancellation window on receipt of the amended written copy; a compliant amendment cannot retroactively extinguish previously acquired rights or completed creditor settlements. | S002 §27(2)–(5); indexed |\n| C_CA-P01-C062 | Valid agency-agreement cancellation affects specified related agreements, guarantees and financing; it expressly excludes independently entered creditor agreements from the related-agreement cancellation. | S001 §16.7(4)–(5); S003 lines 606–622 |\n| C_CA-P01-C063 | A debtor cancelling under §16.7 may demand refund of payments under the agency agreement within one year after the agreement was entered into. | S001 §16.8(1); S003 lines 624–625 |\n| C_CA-P01-C064 | A person who made a payment prohibited by §16.6 has a separate refund-demand route requiring notice within one year of that payment. | S001 §16.6(5); S003 lines 590–594 |\n| C_CA-P01-C065 | For either prescribed §16.6(5) or §16.8(1) demand, the agency must refund within 15 days after receiving the notice. Notice-giving and agency receipt are separate factual predicates. | S002 §28(6); S001 §§16.6(6), 16.8(2); directly surfaced official text ontario.ca |\n| C_CA-P01-C066 | CDSSA contractual waivers/releases of Act/regulation protections are void. | S001 §22.1; indexed |\n| C_CA-P01-C067 | CDSSA §16.10 grants a debtor a specific Superior Court of Justice action for prohibited settlement-service payments; successful relief is subject to the statutory inequity exception and judicial discretion for additional damages. | S001 §16.10(1)–(2); S003 lines 645–657 |\n| C_CA-P01-C068 | Administrative remedies include licence actions and penalties; CDSSA §29.0.1 has an administrative penalty ceiling of CAD $10,000, distinct from the offence penalties of up to CAD $50,000 for individuals and CAD $250,000 for corporations. | S001 §§8, 28(2.2), 29.0.1; S008; S028 P1 |\n| C_CA-P01-C069 | Official complaint material recommends a first written attempt to resolve with the business and describes potential investigation/enforcement after a roughly three-week response stage. This is not a court judgment or individual reimbursement guarantee. | S028 P0–P1; S029 guidance indexed |\n| C_CA-P01-C070 | The bounded primary-source court/tribunal search located jurisdiction and decision repositories but no relevant CDSSA consumer-fee merits decision whose actual reasons could be read; no absence-of-case-law claim follows. | S038–S039; searches of Tribunal, Ontario court and CanLII indexes on 2026-10-26 |\n| C_CA-P01-C071 | The two required official front-page form families were located, but their content could not be read through the available delivery methods; any statement asserting full form-text compliance is unsupported. | S021–S026, exact repository and failed-download records |\n| C_CA-P01-C072 | Official English and French enactment sources exist, but an exhaustive bilingual equivalence/meaning comparison was not performed. | S001–S002; S032–S033 |\n| C_CA-P01-C073 | Ontario civil remedies against a settlement provider do not by themselves extinguish an underlying creditor debt or judgment. Creditors' own contracts and any statutory insolvency effect require separate predicates. | S001 §16.7(5); S003 lines 621–622; S034 BIA statutory contrast |\n\n### E–F. Federal boundary and worked computations\n\n| Claim ID | Precise claim, application and qualification | Source ID and pinpoint |\n| --- | --- | --- |\n| C_CA-P01-C074 | The federal BIA creates a distinct regulated bankruptcy/consumer-proposal system, administered through legally qualified trustees/administrators rather than a private settlement fee contract. | S034 §§13, 66.11–66.14; S035 relevant body |\n| C_CA-P01-C075 | Federal OSB recognizes permissible independent debt-management advice but warns that non-LIT advisors misrepresenting their ability to offer/file insolvency proceedings raise separate concerns. | S036 HTML lines 37–58, 78–106; policy interpretation separated from S034 §202 |\n| C_CA-P01-C076 | Example 1: with signed debts CAD 4,800/3,600/1,600, the hypothetical 10% ceilings are CAD 480/360/160; only A triggers a fee because only A has creditor agreement, payment and written proof. | S002 §§27(1)(2), 28(1)–(3); computed application of C039–C042 |\n| C_CA-P01-C077 | Example 1: CAD 2,400 creditor payment plus CAD 480 supportable agency fee equals CAD 2,880 outflow; assuming A's written full satisfaction, other starting balances sum to CAD 5,200. Valid cancellation/refund of CAD 480 reduces net outflow to CAD 2,400 without undoing A's settlement. | S001 §§16.7–16.8; S002 §§27–28; arithmetic and explicit assumptions |\n| C_CA-P01-C078 | Example 2: CAD 6,000/4,000 schedule balances with expected full payments permit an illustrative 15% total CAD 1,500, proportionally CAD 900/600; a proven CAD 500 creditor A payment supports at most CAD 75 percentage fee. | S002 §§27(1)(1), 28(1)–(3); arithmetic and explicit assumptions |\n| C_CA-P01-C079 | Example 2: with a permitted CAD 50 one-time schedule charge and CAD 75 triggered fee, CAD 500 creditor payment produces CAD 625 consumer outflow and CAD 9,500 nominal remaining debt; proper cancellation/refund of CAD 125 leaves CAD 500 net outflow. | S001 §§16.7–16.8; S002 §28(4), (6); arithmetic and conditional assumptions |\n| C_CA-P01-C080 | The remote-provider, claimed-charity, claimed-lawyer and notice scenarios are conditional decision trees; without missing factual predicates none can establish exemption, fee entitlement, cancellation deadline or creditor discharge. | C008, C014–C031, C058–C065, C073; illustrated applications only |\n\nThe two monetary examples use whole-dollar/whole-cent values and therefore have CAD $0.00 rounding adjustments. Neither includes an unsupported tax surcharge, interest estimate, consumer's actual contractual price, creditor-settlement probability or provider earnings guarantee.\n\n## Register 3 — granular A097/A098 Ontario component coverage\n\n“Answered” means a substantive rule was identified within this focused component, not that every underlying source has passed independent verification. “Partial” identifies a material evidence or interpretation gap. “Unresolved” means no safe operative conclusion. All references are to claims above and findings A–F already displayed.\n\n### A. Controlling framework and territorial application\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| A1. Actual Ontario enactment | Answered, source-access qualified | A; C001–C003 | Direct full e-Laws current body inaccessible; retrieve complete official text independently |\n| A2. Consolidation versus commencement | Partial | A; C002–C005 | Recheck individual amendments and every relevant commencement table from complete current consolidation |\n| A3. 2023 replacement not yet force | Answered | A/D; C003 | Recheck proclamation immediately before eventual publication |\n| A4. Provincial authority versus federal insolvency | Answered within narrow boundary | A/E; C012, C074–C075 | Broader federal agency/bank and national regimes deferred |\n| A5. Consumer versus business purpose | Partial | A; C010–C011 | Test individual sole proprietor, guarantor and debtor-side service under every applicable clause |\n| A6. Provider and debtor definitions | Answered, source-access qualified | A/B; C006–C007 | Full definition/amendment comparison |\n| A7. Remote/out-of-province location | Answered as conditional gateway | A/F4; C008, C031 | Particular contracting entity/location facts and conflicts analysis in later pass |\n| A8. Anti-avoidance | Answered | A; C009 | Real-world factual application intentionally excluded |\n| A9. Indigenous/local/special jurisdiction overlay | Unresolved | Jurisdiction note | Separately research any federal-Indigenous, reserve, municipal or local overlay; no silent Ontario-wide closure |\n| A10. English/French/version comparison | Partial | Source register; C013, C072 | Complete bilingual enactment and form-text comparison required |\n\n### B. Actor classification and authorization\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| B1. Debtor-paid negotiator | Answered | B; C006, C014 | Apply fee-source and activity facts for a real model |\n| B2. Creditor collector/purchased debt | Answered at classification level | B; C007, C029 | Full collector conduct expressly deferred |\n| B3. Payment-only distributor | Partial | B/C; C006, C030, C047–C051 | Examine precise fee recipient, ownership of funds and any separately regulated payment-services activity |\n| B4. Creditor's own debt | Partial | B; C029 | Analyze affiliate/assignment/own-name predicates with complete §§19.5–19.11 text |\n| B5. Refinancing lender | Partial | B; C030 | Lender/broker licensing elsewhere, and combined loan–negotiation business model |\n| B6. LIT/insolvency professional | Answered as boundary | B/E; C028, C074 | Verify exact activity/capacity before invoking CDSSA §2 exception |\n| B7. Ontario lawyers | Partial | B/F6; C025 | Read all Reg. 74 §18.1(3)–(9) clauses against Law Society authority |\n| B8. Paralegals | Partial | B/F6; C026 | Same for §18.2; exact client engagement |\n| B9. Registered-charity counsellors | Answered for narrow fee exemption; partial overall | B/F3; C027 | Verify §19.1 legacy language and any other specific charity exemption |\n| B10. Banks/insurers/trusts/credit unions | Partial | B; C028 | Actor-specific statutory definitions and regulated-business capacity |\n| B11. Agencies/collectors/branches | Answered | B; C014–C017, C020 | Detailed branch approvals and individual identification obligations |\n| B12. Nonresident corporations | Partial | B/F4; C016–C017, C031 | Incorporation and registration pathways for particular entity structures |\n| B13. Financial/experience/exam qualifications | Partial | B; C019, C021–C022 | Full current application form; insurance/security tests and personal eligibility |\n| B14. Official fees | Answered with current-order hold | B; C020 | Read direct current Minister's order and check subsequent fee amendments |\n| B15. Bond and security | Answered for general bond removal; otherwise partial | B; C021 | Special registration conditions, insurance, financial security and new guidance |\n| B16. Renewal, records, discipline | Answered with procedural gaps | B/D; C022–C023, C053, C068 | Tribunal procedure and administrative-penalty tier mapping |\n| B17. Public register | Answered for existence/features | B; C024 | Official refresh cycle and field definitions; no specific entity search authorized |\n| B18. Dedicated “debt-advisor” licence distinct from CDSSA collection-agency registration | Not located; unresolved, not deemed nonexistent | B; C001, C014, C030 | Bounded official searches of CDSSA, Reg. 74, Ontario ministry licensing guidance and OSB materials found collection-agency route; next inspect complete Ontario licence inventory and separate advisory/lending legislation |\n\n### C. Fees, performance and money\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| C1. Scope of consumer payment | Answered | C; C045 | Particular third-party/referral arrangements require factual review |\n| C2. Schedule percentage/base | Answered | C/F2; C038, C078 | Full contract and first-page form still needed |\n| C3. One-time percentage/base | Answered | C/F1; C039, C076 | Balance and settlement evidence needed in any actual account |\n| C4. Contract price versus statutory ceiling | Answered | C; C038–C039 | Actual price unknown; no assumed charge |\n| C5. Creditor agreement and payment trigger | Answered | C; C040 | Creditor writing and first-payment evidence needed |\n| C6. Separate per-debt earning | Answered | C/F; C041 | Application to jointly owned/assigned accounts unresolved |\n| C7. Proportional multi-creditor cap | Answered at statutory formula | C/F; C042 | Fine treatment of amendments and any separately charged $50 allocation requires further examination |\n| C8. CAD $50 advance exception | Answered | C/F2; C043 | Contract allocation and actual fee receipt unknown |\n| C9. Dishonoured instrument | Answered with source limits | C; C044 | Full current §28(5) and actual bank charge |\n| C10. Other fees/lead/referral/add-ons | Partial | C; C037, C044–C045 | Map each consideration pathway and prohibited indirect terms |\n| C11. Pre-registration fee | Answered | B/C; C046 | Factual date of contracting and actual registration status |\n| C12. Creditor-only compensation | Partial | C; C006, C037 | Test whether consumer consideration, agency status or other statutes independently apply |\n| C13. Taxes/GST/HST | Unresolved | C examples intentionally exclude taxes | CRA/GST-HST taxability and invoicing pass; do not infer amount or exemption |\n| C14. Trust definition | Answered with guidance inconsistency | C; C047, C052 | Reconcile direct operative text and conflicting ministry web guide |\n| C15. Trust deposit/segregation | Answered | C; C048–C050 | Account-level compliance is outside read-only general research |\n| C16. Trust disbursement/unclaimed funds | Answered at general rule | C; C051 | Exact exception for agency-as-creditor, disputed ownership and unclaimed property |\n| C17. Cross-provincial/third-party escrow | Partial | C; C050 | Payment-provider structures, beneficial ownership and extra licensing |\n| C18. Contract performance reports/records | Answered | C/D; C053–C055 | Exact example report/template remains unavailable |\n| C19. Advertising and savings representations | Partial | C; C056–C057 | Read entire §26/§29 enumerations and compare marketing claims |\n| C20. Existing/transitional agreement fee | Partial | A/D; C004 | Pre-2015 signing/amendment chronology for any particular agreement |\n\n### D. Contracts, cancellation and enforcement\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| D1. Written agreement before services | Answered | D; C032 | Actual provider agreement absent |\n| D2. Delivery/retainable form | Answered | D; C032–C034 | Evidence of actual receipt and compliant delivery |\n| D3. Contract particulars/signature/funding | Partial | D; C035–C037 | Entire current §27 body plus private agreement and forms |\n| D4. Prescribed first-page English/French forms | Partial — material hold | D/source register; C035, C071–C072 | Download/read 11351e/f and 11352e/f in a supported official format |\n| D5. Language requirement | Partial | D; C013, C072 | Verify French form, language service duties and any contract-language election; no universal translation mandate inferred |\n| D6. One agreement/amendment | Answered with trigger gaps | D; C033, C061 | Full renewal/extension term and 18-month termination trigger wording |\n| D7. No-reason cancellation | Answered | D/F5; C058 | Receipt and notice dates for individual calculation |\n| D8. Defective-copy one-year route | Answered conditionally | D/F5; C059 | Establish what was delivered and whether it complied |\n| D9. Notice form/address/giving | Answered as statutory method | D/F5; C060 | Detailed holiday/deeming, method and evidence fact-pattern checks |\n| D10. Separate refund demand window | Answered | D; C063–C064 | Actual notice dates, identity of payer and service |\n| D11. Refund recipient/deadline | Answered generally | D; C065 | Payee/account mechanism and any disputed payment ownership |\n| D12. Cancellation effects | Answered | D; C062, C073 | Particular financing/guarantee nexus and creditor writing |\n| D13. Nonwaiver | Answered | D; C066 | No contract-specific review |\n| D14. Private court remedy | Answered at statute | D; C067 | Limitation, pleading and forum/process issues deferred |\n| D15. Public penalties and registration actions | Answered generally | D; C023, C068 | No enforcement result in a private case inferred |\n| D16. Published merits decisions | Unresolved after bounded search | D; C070 | Future targeted Ontario court/Tribunal decision search using actual reasons, neutral citation and subsequent history |\n| D17. Official complaint/legal-help paths | Answered as read-only information | D; C069 | No complaint, contact or referral performed |\n| D18. Evidence checklist and adverse outcomes | Answered as research framework | Below; C040–C073 | Specific consumer outcome requires documents and legal analysis |\n\n### E. Narrow federal route\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| E1. Federal BIA authority | Answered as gateway | E; C074 | Wider eligibility and procedure deferred |\n| E2. LIT and statutory proposal distinction | Answered as gateway | E; C074–C075 | Particular LIT delegation/proposal conditions not evaluated |\n| E3. Ordinary private settlement effect | Answered at distinction level | E; C073–C075 | Creditor contract and applicable debt-specific statute |\n| E4. OSB debt-advisor position | Answered with policy caveat | E; C075 | Do not transform OSB examples into a judicial holding |\n| E5. Federal bank/credit-product/collector regimes | Excluded with reason | E boundary only; C074 | Parent country passes; outside provider-focused investigation |\n\n### F. Scenarios and quantitative validation\n\n| Subissue | Status | Finding location; exact claims | Missing evidence / next focused step |\n| --- | --- | --- | --- |\n| F1. Covered versus claimed charity | Answered conditional | F3; C027–C028, C080 | Proof of status and actual service |\n| F2. Multi-debt one-time calculation | Answered hypothetical | F1; C076–C077 | Actual amounts, writing and fees absent |\n| F3. Schedule-model calculation | Answered hypothetical | F2; C078–C079 | Contract allocation, actual payments and earned-fee ledger |\n| F4. Two fully recomputed quantitative examples | Answered | F1–F2; C076–C079 | Arithmetic audited internally, not independently approved |\n| F5. Remote/out-of-province nexus unknown | Answered conditional | F4; C008, C031, C080 | Parties' locations at dealings and legal entity |\n| F6. Defective copy/notice timing | Answered symbolic | F5; C058–C065, C080 | No invented calendar deadline |\n| F7. Professional-title exemption | Answered conditional | F6; C025–C026, C080 | Exact professional-practice predicates |\n| F8. Adverse branch/no automatic debt discharge | Answered | F1–F6; C073 | Creditor contract, judgments and other law not reviewed |\n\n### Consumer document checklist and likely adverse branches\n\nFor a consumer or editorial case study, collect or request the following from the consumer's own records before deciding entitlement:\n\n1. All signed versions of the provider agreement, amendments, appended first-page disclosure, delivery emails and original document metadata.\n2. Agency's exact contracting name, stated Ontario registration number, any separate fee recipient, business address and dated advertisements or sales representations.\n3. Each creditor's name, original and signing-date debt balance, interest terms, offers, written acceptance and release or full-satisfaction language.\n4. Every payment confirmation, recipient, bank statement excerpt, receipt, agency-held-funds ledger and refund transaction.\n5. Written agency evidence of the debtor's first payment under each creditor agreement, if supplied; the actual agency claim of fee entitlement.\n6. Cancellation and refund notices with full text, address or channel, transmission receipt and delivery evidence.\n7. Performance reports, creditor refusals, authorization notices and service correspondence.\n8. Any pre-2015 contract and amendment chronology or claimed lawyer/charity/LIT exemption evidence.\n\nLikely adverse branches include an unregistered agency, fee claimed before its creditor-specific trigger, prohibited indirect charge, noncompliant first page, missing copy, late or unprovable cancellation notice, missing refund demand, mishandled trust money, or creditor refusal. None, standing alone, proves that an underlying debt has vanished. The proper next actor may be the Ontario Registrar, a lawyer, or a licensed insolvency trustee depending on which distinct legal issue is actually present.\n\n## Explicit country/province research boundary register\n\nOntario only — other Canadian jurisdictions unresearched| Jurisdiction | Status in C_CA-P01 | Required next focused investigation |\n| --- | --- | --- |\n| Ontario | Focused provider component researched; partial evidence holds | Resolve unread forms, complete e-Laws text, professional carve-backs, money-account treatment and decisions |\n| Alberta | Not researched | Establish independently the current collection/debt-repayment licensing categories, exemptions, consumer fees, agreements, refund and money-handling rules |\n| British Columbia | Not researched | Independently investigate debt repayment agency regulation, licensing, fee formula, trust funds and cancellation |\n| Manitoba | Not researched | Independently identify collection and credit-counselling/debt-management laws and the current licensing/contract rules |\n| New Brunswick | Not researched | Independently investigate its enacted debt-settlement act/rules, commencement, fees and oversight; no New Brunswick draft used as Ontario authority |\n| Newfoundland and Labrador | Not researched | Locate current collection/debt settlement enactments, licences, exemptions, fees and cancellation |\n| Nova Scotia | Not researched | Investigate collector and debtor-side debt-management categories, licensing, trust and contracts |\n| Prince Edward Island | Not researched | Establish present statutory collection/debt counselling activities, provider authorization and safeguards |\n| Quebec | Not researched | Research applicable Quebec legislation independently in authoritative French and English where available; no Ontario terms transplanted |\n| Saskatchewan | Not researched | Identify current collection-agent/debt-adjustment licensing, fees, contracts and provincial enforcement |\n| Northwest Territories | Not researched | Independently research territorial licensing and consumer fee/contract rules, plus applicable federal gateways |\n| Nunavut | Not researched | Independently research territorial collection/debt-settlement authority, commencement and consumer safeguards |\n| Yukon | Not researched | Independently investigate territorial consumer/collection agency statutes, exemptions and money handling |\n| Canada federal boundary | Only insolvency gateway reviewed | Separate federal banking, communications, competition, privacy, financial consumer, taxation and cross-border analyses remain necessary |\n\nNo findings for the other provinces or territories, local jurisdictions, Indigenous governance systems or contracts are incorporated by analogy.\n\n### Explicitly deferred A097/A098 country questions\n\n| Deferred country issue | Status | Precise next-pass question |\n| --- | --- | --- |\n| Debt products | Excluded | Which loans, credit cards, medical, utility, student and other obligations follow distinct federal/provincial regimes? |\n| Collector conduct and validation | Excluded | What creditor-side notice, communication, dispute and collection rights actually operate in each jurisdiction? |\n| Limitation and revival | Excluded | How do dates, acknowledgments, payments and judgments affect court limitation periods? |\n| Credit reporting | Excluded | What may creditors and bureaus report after default, settlement, cancellation or insolvency? |\n| Courts and litigation | Excluded | Which courts, claims procedures, costs and appeal paths apply to private debt disputes? |\n| Garnishment and exemptions | Excluded | What income/property may creditors reach and under which judgments and exclusions? |\n| Secured debts | Excluded | What do security interests, mortgages, vehicle financing and creditor remedies change? |\n| Support obligations | Excluded | Are maintenance and support debts treated differently in settlement and insolvency? |\n| Government debts | Excluded | How do tax, benefit, fines and Crown debt collection rules differ? |\n| Detailed insolvency eligibility | Excluded | Who qualifies for proposals/bankruptcy, and what actual approvals, stays and discharge exceptions apply? |\n| Insolvency procedures and creditor voting | Excluded | What are the filing, voting, amendment, annulment and distribution rules? |\n| Canadian tax on forgiven debt and provider services | Unresolved/deferred | What federal/provincial income-tax and GST/HST rules apply to specific actors and transactions? |\n| Moving abroad | Excluded | What changes when debtor, creditor or provider relocates during negotiation or enforcement? |\n| Currency and payment transfers | Excluded | How do exchange conversion, cross-border funds and payment-provider regulations apply? |\n| Contract choice of law | Excluded | Which mandatory Ontario protections survive a foreign forum/law clause? |\n| Foreign judgments and recognition | Excluded | When are foreign judgments or settlements enforceable in Ontario, or vice versa? |\n| Cross-border insolvency recognition | Excluded | What specific proceedings can be recognized, and by whom, under the applicable statutory route? |\n| Indigenous and special local legal regimes | Unresolved/deferred | What jurisdiction-specific protections or authorities alter the general provincial analysis? |\n\nBriefly mentioning any of these as a boundary does not count as researching or completing it.\n\n## Researcher self-check and publication controls\n\n| Test | Result | Qualification or hold |\n| --- | --- | --- |\n| Actual primary-source internet research | Performed | Ontario e-Laws, Legislative Assembly, ministry PDFs, Central Forms Repository, Canadian Justice Laws and OSB |\n| Current enactment identified | Partial access | Current official indexed statutory text obtained; direct e-Laws full-page reads returned 403 |\n| Statutory dates versus page update dates | Separated | 2015, 2018 and prospective 2023 commencement distinguished |\n| Exact provider and actor branches | Partially resolved | Professional exceptions and business-purpose edge cases need full text |\n| Consumer fee arithmetic | Recomputed | Examples 1–2 balance; hypothetical assumptions are explicit |\n| Fee performance triggers | Located | Agreement, first creditor payment and written evidence applied per debt |\n| Refund trigger and days | Located | One-year notice branches and 15 days after provider receipt kept separate |\n| Trust funds and guide inconsistency | Material reconciliation needed | Regulation/Registrar §17(1) conflicts with indexed web guidance |\n| Mandatory front-page form contents | Publication hold | Form files found but substantive content unread through available public tools |\n| Actual published court/Tribunal merits decision | Not established | Bounded searches completed; no decision adopted from a snippet |\n| Named provider/borrower lookups | None | Public directory existence described only |\n| External filings/contacts/payment/publication | None | Entire task remained read-only |\n| Nationwide Canada findings | Not claimed | Ontario focused pass and narrow federal boundary only |\n| Independent legal review | Not performed | Researcher's self-check does not replace the coordinator's review |\n\n### Material new questions generated\n\n1. Does the present Ontario e-Laws text of Regulation 74 section 17(1) still reproduce every word of the Registrar's 2018 bulletin, and why does the Ontario trust guide describe advances differently?\n2. What exact wording appears on all four English/French prescribed first-page PDFs, including cancellation instructions, warnings and language-specific nuances?\n3. Which specific portions of sections 18.1 and 18.2 apply back to lawyers/paralegals conducting high-volume or separately advertised collection and negotiation activities?\n4. Does section 19.7's corporate-debt collection exclusion affect a debtor-paid settlement arrangement involving a corporate guarantor or individual business-purpose borrower, and by which exact statutory route?\n5. What happens to the section 28(3) proportional ceiling when debts are added, balances change, or a separate CAD $50 schedule charge is contracted?\n6. Which payment processors or independent trustees holding consumer funds require a distinct authorization or satisfy the agency's trust duties—and who legally owns deposited money?\n7. What current Ministerial registration fee order, February 2026 place-of-business guidance, and tribunal decisions add to the publicly indexed rules?\n8. Which additional CPA 2002 requirements actually apply to qualifying online, remote or direct agreements without conflicting with the CDSSA-specific regime?\n\n### Evidence-grounded SettleADebt opportunities\n\nThese are proposed information products, not implemented or approved for publication:\n\n| Article or tool | Essential inputs | Required guardrail |\n| --- | --- | --- |\n| “Does this Ontario debt-settlement service need registration?” | Activities, fee payer, debtor/provider Ontario location, actor type | Distinguish agency from individual collector, charity, lawyer, lender and LIT |\n| “When can my settlement company charge me?” | Schedule vs one-time, debt-by-debt original balance, creditor agreement, payment and written proof | Each creditor separately; no fee automatically earned on enrolment |\n| Ontario fee-ceiling calculator | Signed-date balances, model, actual creditor payments, contracted fee | Apply both model-specific cap and §28(3); label maximum versus amount presently earnable |\n| “Can I cancel my Ontario debt-settlement agreement?” | Signature, copy delivered, copy defects, amendment, notice and refund-demand evidence | Symbolic pending deadlines until delivery and method facts are complete |\n| Trust-money explainer | Payment recipient, earned-fee status, debtor location, account arrangement | Do not equate prohibited upfront fees with authorized trust deposits |\n| Provider verification guide | Legal contracting name, public register type/status, business documents | Read-only public checks; no endorsement inferred |\n| Creditor-versus-provider debt diagram | Provider contract, creditor agreement, actual payments, release language | Cancellation of service agreement is not discharge of original creditor debt |\n| “Debt settlement vs consumer proposal” | Private offer versus statutory proceeding and LIT status | Never imply that a private arrangement produces a federal statutory stay or discharge |\n| Ontario document organizer | Copies, contracts, notices, payment/creditor evidence | Privacy-first; avoid asking visitors to upload unnecessary personal identifiers |\n\n### Final disposition\n\nC_CA PASS-01 focused research is completed to the extent of available public primary-source access, with the complete findings, quantitative scenarios and visible registers provided here. The outstanding evidence holds are material: unread prescribed forms, direct complete current e-Laws text, professional carve-back details, some money-handling and nonresident branches, and unverified case-law coverage.\n\nThis is a research submission, not independent legal review, a published consumer legal article, or an operational determination about any firm or debtor. The coordinator must separately verify consequential primary-source wording, arithmetic, exceptions, effective dates and the coverage classifications before accepting any Ontario component. The Canada country dossier and A097/A098 remain open; no provincial, territorial, operational or publication acceptance is asserted.\n\nEND C_CA PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Instrument","Verified legislative status","Relevance"],["CDSSA","e-Laws consolidation December 6, 2023 to the currency date","Governs the covered provider, authorization, agreements, fees, cancellation and remedies"],["Regulation 74","e-Laws consolidation March 1, 2022 to the currency date","Prescribes contract particulars, fee limits, earning conditions, trust accounts and conduct"],["Consumer Protection Act, 2002","Current consolidation begins December 11, 2025","Its sections 92 and 94 are expressly incorporated into CDSSA cancellation procedures; it may separately cover qualifying personal consumer transactions"],["Consumer Protection Act, 2023","Enacted but expressly not yet in force","Its replacement cancellation provisions cannot presently be substituted for the 2002 Act"],["2013 debt-settlement reforms","Operational provisions came into force July 1, 2015","Section 32 preserves the pre-commencement treatment of older agreements until amendment, renewal or extension"],["2017–18 changes","Significant changes effective January 1 and July 1, 2018","Individual collector registration and bonding were removed; trust and other requirements changed"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or arrangement","Ontario classification and consequence","Critical qualification"],["Firm paid by a debtor to negotiate reductions or arrangements with creditors","Ordinarily within CDSSA “debt settlement services”; treated as a collection agency for the Act","Includes offers or undertakings to negotiate, and receiving debtor funds for distribution, when debtor-paid consideration is involved"],["Firm collecting a creditor's debt or purchasing delinquent accounts and collecting them","Separate collection-agency branches of the statutory definition","A collection business is not necessarily a debtor-paid settlement provider"],["Individual negotiating on behalf of a registered agency","A “collector” subject to conduct requirements","Individual collector registration was removed January 1, 2018; the agency remains responsible"],["Creditor dealing under its own lawful name","Not automatically an independent third-party settlement agency","The creditor's actual identity, affiliates, assigned claims and transaction structure matter"],["Refinancing lender","Making a new loan is not itself debtor-paid negotiation with existing creditors","A separate fee-based negotiation service could change the classification; lending has its own legislation"],["Neutral payment distributor","Could fall within the definition when it receives debtor funds for creditor distribution for debtor-paid remuneration","Trust, payment-processing and other regimes require an activity-specific examination"],["Licensed insolvency trustee (LIT) administering a statutory proceeding","Separate federal insolvency authority; CDSSA has a function-specific statutory-professional exemption","A “debt advisor” or referral firm is not an LIT merely because it works with one"],["Ontario lawyer or paralegal practising professionally","Potential professional-practice exemption","Exact professional licence, regular-practice activities, employees and regulatory carve-backs must be established"],["Non-profit credit counsellor","No blanket exemption for every charity or all services","Registered-charity and non-profit predicates affect specified rules, particularly agency filing fees; paid negotiation still requires classification"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[]],"rows":[["Method","Maximum consumer charge stated in the prescribed agreement","What it is not"],["Proposed schedule of payments to creditors","15% of each payment the debtor makes to a creditor under the covered debts","Not 15% of the original enrolled balance as an immediately earned fee"],["Negotiated one-time payment on or before a specified date, below the debt","10% of the amount of each debt when the debtor signed the agreement, for debts actually settled through the agency","Not automatically 10% of savings, and not a charge for every debt merely enrolled"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Consumer question","Ontario rule","Necessary qualification"],["Must there be a contract before services?","Yes: prescribed written agreement, delivered no later than entering the agreement, in a retainable form","Agency must be properly registered and agreement compliant"],["What appears in it?","Identified parties and agency registration, affected creditors and balances, services, price and payment terms, method and timing, required disclosures, funding source, signatures and termination information","Detailed requirements are in Regulation 74 section 27; the actual private document must be inspected"],["What must be first?","Prescribed front-page document: “Settling Debt—What You Need to Know” for one-time settlements, or “Repaying Debt and Credit Counselling—What You Need to Know” for a payment schedule","Both prescribed forms are dated November 24, 2014"],["Can a debtor cancel without giving a reason?","From entry into the agreement through 10 days after receiving the written copy","Actual receipt/delivery and applicable notice facts must be established"],["What if a compliant copy was never provided?","Separate cancellation right within one year after entering the agreement","Requires the section 16.5(1) noncompliance predicate"],["How is notice given?","CDSSA section 16.7 incorporates CPA 2002 sections 92 and 94: notice can generally be oral or written unless regulations require otherwise; a written notice delivered other than personally is generally deemed given when sent","Preserve evidence of content, destination and sending; do not confuse sending with a separate refund-response receipt trigger"],["What is cancelled?","Agency service agreement and specified related agreements, guarantees and financing instruments","Not the debtor's settlement agreement with a creditor merely because the agency contract is cancelled"],["When can fees be demanded back?","A cancelling debtor may demand payments made under the agreement within one year of entering it; an illegally charged fee has a separate one-year-from-payment demand route","Regulation prescribes refund administration, generally within 15 days after the agency receives the demand"],["Can a contract waive these protections?","CDSSA section 22.1 renders waivers or releases of statutory rights void","Does not independently cancel an underlying debt"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Creditor","Starting balance","10% ceiling if settled through agency","Present outcome","Fee presently supportable"],["A","$4,800.00","$480.00","Written full-satisfaction agreement for $2,400; debtor paid $2,400; agency has written evidence","$480.00 maximum"],["B","$3,600.00","$360.00","No creditor agreement","$0.00"],["C","$1,600.00","$160.00","Creditor offered a $1,000 settlement, but no debtor payment yet","$0.00"],["Total","$10,000.00","$1,000.00 theoretical aggregate","Only A has met every fee trigger","$480.00"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Calculation","CAD"],["Creditor A paid","$500.00"],["Provider percentage fee actually triggered","$75.00"],["Permitted one-time schedule fee assumed charged","$50.00"],["Consumer cash out","$625.00"],["A balance, ignoring interest","$5,500.00"],["B balance","$4,000.00"],["Remaining creditor balances","$9,500.00"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Facts established","Potential branch"],["A compliant copy was received","Ordinary cancellation period runs through 10 days after receipt"],["No copy meeting CDSSA section 16.5(1) was delivered","The separate one-year-from-agreement cancellation branch may apply"],["A copy was delivered but its completeness is disputed","Examine signed agreement and prescribed first page; classification is unresolved"],["Timely written cancellation sent to an authorized address with evidence","CPA section 92's when-sent rule may determine giving of notice"],["No proof of address, sending, content or timing","Notice effectiveness cannot safely be declared; preserve all correspondence"],["Valid cancellation but no timely refund demand","The statutory refund-demand step must be separately analyzed; do not presume an automatic bank credit"]]},{"headers":[],"index":7,"links":[{"href":"https://www.ontario.ca/laws/statute/90c14?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/statute/90c14"},{"href":"https://www.ontario.ca/laws/regulation/900074?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/regulation/900074"},{"href":"https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55?utm_source=chatgpt.com","text":"https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55"},{"href":"https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014"},{"href":"https://www.ontario.ca/laws/regulation/r14309?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/regulation/r14309"},{"href":"https://www.ontario.ca/laws/regulation/r17460?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/regulation/r17460"},{"href":"https://www.ontario.ca/laws/regulation/r18319?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/regulation/r18319"},{"href":"https://www.ontario.ca/laws/regulation/170461?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/regulation/170461"},{"href":"https://www.ontario.ca/laws/statute/02c30?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/statute/02c30"},{"href":"https://www.ontario.ca/laws/statute/23c23?utm_source=chatgpt.com","text":"https://www.ontario.ca/laws/statute/23c23"},{"href":"https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf"},{"href":"https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf?utm_source=chatgpt.com","text":"https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf"},{"href":"https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf?utm_source=chatgpt.com","text":"https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf"},{"href":"https://www.ontario.ca/page/guide-collection-agencies?utm_source=chatgpt.com","text":"https://www.ontario.ca/page/guide-collection-agencies"},{"href":"https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency"},{"href":"https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration"},{"href":"https://www.ontario.ca/document/guide-collection-agencies/conducting-business?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/guide-collection-agencies/conducting-business"},{"href":"https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds"},{"href":"https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement"},{"href":"https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other?utm_source=chatgpt.com","text":"https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other"},{"href":"https://forms.mgcs.gov.on.ca/en/dataset/11351?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/en/dataset/11351"},{"href":"https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf"},{"href":"https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf"},{"href":"https://forms.mgcs.gov.on.ca/en/dataset/11352?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/en/dataset/11352"},{"href":"https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf?utm_source=chatgpt.com","text":"https://forms.mgcs.gov.on.ca/dataset/dfe09870-3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Legislative display contains amendment markup and multiple text stages; historical wording cross-checked against indexed current S001 where available. \nLegislative Assembly of Ontario\n+2"],["C_CA-P01-S004","Ontario Gazette, Vol. 147, Issue 52, proclamation. https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014","Proclamation of debt-settlement amendments for 2015-07-01; Ontario transitional timing","Official indexed excerpt, direct page 403; historic effective-date evidence, not a new 2026 event. \nontario.ca"],["C_CA-P01-S005","Ontario e-Laws, O. Reg. 309/14 amending Regulation 74. https://www.ontario.ca/laws/regulation/r14309","Enacted 2014 regulation provisions inserting §27–30 rules; effective in relevant 2015 reform phase","Official indexed excerpts, including §28 creditor-by-creditor triggers, promotional and contract requirements. Amendment must be read with current S002. \nontario.ca\n+2"],["C_CA-P01-S006","Ontario e-Laws, O. Reg. 460/17. https://www.ontario.ca/laws/regulation/r17460","2017 amendments, particularly Regulation 74 §13 business requirements and debt-collection exceptions; phased 2018 implementation","Official indexed excerpts read; not the complete amending instrument. \nontario.ca\n+1"],["C_CA-P01-S007","Ontario e-Laws, O. Reg. 319/18. https://www.ontario.ca/laws/regulation/r18319","2018 lawyer/paralegal definitions and §§18.1–18.2 modifications; Ontario regulated professionals","Official indexed excerpts read; complete current professional carve-backs only partly retrieved. \nontario.ca\n+1"],["C_CA-P01-S008","Ontario e-Laws, O. Reg. 461/17, Administrative Penalties. https://www.ontario.ca/laws/regulation/170461","Prescribed CDSSA/Reg. 74 contraventions and penalties; current consolidation from 2022-03-01; public enforcement","Indexed provisions/table entries read, including unlawful-refund and recordkeeping failures. Direct page inaccessible. \nontario.ca\n+2"],["C_CA-P01-S009","Ontario e-Laws, Consumer Protection Act, 2002, S.O. 2002, c. 30, Sch. A. https://www.ontario.ca/laws/statute/02c30","§§1–2, 92(1)–(5), 94; current consolidation 2025-12-11 to currency date; Ontario consumer and expressly incorporated CDSSA notices","Indexed operative excerpts read, including oral/written notice and when-sent deeming. Direct full page inaccessible. Applicable CPA exemptions and other remedies not exhaustively examined. \nontario.ca\n+2"],["C_CA-P01-S010","Ontario e-Laws, Consumer Protection Act, 2023, S.O. 2023, c. 23, Sch. 1. https://www.ontario.ca/laws/statute/23c23","Enacted 2023-12-06; expressly not yet in force as checked; related prospective CDSSA §111 amendments","Official indexed enactment/status text read; future cross-references excluded from present rules. Direct page inaccessible. \nontario.ca"],["C_CA-P01-S011","Ontario ministry, Business Guide to Consumer Protection (2024). https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf","PDF P0–P4 (zero-based), especially P3 discussion of currently operative CPA; informational, not enacted law","PDF text layer read on relevant pages; 20-page PDF, not all pages read. Published 2024; does not independently establish later proclamation. \nforms.mgcs.gov.on.ca"],["C_CA-P01-S012","Ontario Registrar, Registrar's Bulletin — January 2018 (dated Jan. 5). https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf","PDF P0–P2: 2018 commencement, bonds, individuals, Reg. 74 §17(1), trust and financial statements; historical official administration","PDF text layer/body read P0–P2. Bulletin not itself an amendment; identifies January/July 2018 effective events. File-name 2023 date not treated as 2018 legal commencement. \nJanuary 2018\n+1"],["C_CA-P01-S013","Ontario Registrar, Registrar's Bulletin — September 2021 (dated Sept. 24). https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf","PDF P0–P2; Reg. 74 §§13(6), 13(10), 13(12), 14, 16; remote work, records, renewals","PDF body/text layer read P0–P2. Administrative guidance; historical date and supersession potential disclosed. \nSeptember 2021\n+1"],["C_CA-P01-S014","Ontario ministry, A guide for collection agencies. https://www.ontario.ca/page/guide-collection-agencies","Registration/conduct overview; page updated around 2024-09-25; Ontario agencies and collectors","Indexed extracts read; direct 403. Page update is not an enactment. Contains the agency/individual distinction. \nontario.ca\n+1"],["C_CA-P01-S015","Ontario ministry, Apply to register a collection agency. https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency","Agency/branch application, place, examination, CAD fees; published around 2023 and retrieved 2026","Indexed extracts read, including $10 examination/75%; direct 403; no application submitted. \nontario.ca\n+1"],["C_CA-P01-S016","Ontario ministry, Renew a collection agency registration. https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration","Renewal procedures, documentary requirements and fees; guidance not statute","Indexed extract/metadata, direct 403; more reliable detailed renewal body S013 P1–P2. \nInternal Error"],["C_CA-P01-S017","Ontario ministry, Conducting business. https://www.ontario.ca/document/guide-collection-agencies/conducting-business","Agency names, incorporation, changes and conduct; Ontario current guidance","Indexed excerpts read, direct full page not obtained. \nontario.ca"],["C_CA-P01-S018","Ontario ministry, Trust accounts and trust funds. https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds","Trust handling; ministry explanatory guidance","Indexed excerpt read, including apparently conflicting advance-payment description; direct body inaccessible. Explicitly not relied on over enacted Reg. 74 §17(1). \nontario.ca"],["C_CA-P01-S019","Ontario ministry, Compliance and enforcement. https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement","Registrar actions, administrative penalties and business compliance","Indexed excerpts read; no named case or disciplinary action looked up. \nontario.ca\n+1"],["C_CA-P01-S020","Ontario Gazette, Vol. 150, Issue 52, governmental notice of fees (Dec. 30, 2017). https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other","Ministerial registration charge: CAD $290 agency application/renewal; CAD $290 branch; fees transferred to ministerial orders effective 2018","Official indexed body excerpts read; direct current 2026 order not independently opened; current guide corroboration S015. Not consumer fee authority. \nontario.ca\n+1"],["C_CA-P01-S021","Ontario Central Forms Repository, Settling Debt — What You Need to Know, Form 11351. https://forms.mgcs.gov.on.ca/en/dataset/11351","Prescribed first page for one-time settlement method; dated 2014-11-24 under Reg. 74 §27","Full repository listing read, including English/French files; form content itself unresolved, S022–S023. \nCentral Forms Repository (CFR)"],["C_CA-P01-S022","Ontario, Form 11351e, English PDF. https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf","PDF P0; official English front-page form; version/date required by §27 is 2014-11-24","Unread substantive form: PDF extraction returned only Adobe Reader/XFA-compatibility text. No visual inspection; cannot certify actual passages. \nforms.mgcs.gov.on.ca"],["C_CA-P01-S023","Ontario, Form 11351f, French PDF. https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf","PDF P0; official French equivalent","Unread substantive form, same XFA placeholder; no translated body inferred. \nforms.mgcs.gov.on.ca"],["C_CA-P01-S024","Ontario Central Forms Repository, Repaying Debt and Credit Counselling — What You Need to Know, Form 11352. https://forms.mgcs.gov.on.ca/en/dataset/11352","Prescribed first page for schedule method; §27; dated 2014-11-24","Repository listing/body read, English/French files identified; actual form content unresolved. \nCentral Forms Repository (CFR)"],["C_CA-P01-S025","Ontario, Form 11352e, English PDF. https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf","Prescribed schedule disclosure, PDF pages not determinable","Failed fetch, unsupported application/octet-stream; no body read. No repeat of unchanged failed fetch. \nInternal Error"],["C_CA-P01-S026","Ontario, Form 11352f, French PDF. https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/9bef090f-71a9-4301-bf4f-e82c49876241/download/11352f.pdf","Official French schedule disclosure; pages not determinable","Failed fetch, unsupported application/octet-stream; no body/translation read. \nInternal Error"],["C_CA-P01-S027","Ontario ministry, Debt Collection: Information About Your Rights. https://files.ontario.ca/collection_and_debt_settlement_services_act_disclosure_statement.pdf","PDF P0, dated 2018-03-01, creditor-side initial collector notice","Complete one-page PDF text read. Crucially not either prescribed debt-settlement-agreement first page; excluded as substitute. \nfiles.ontario.ca"],["C_CA-P01-S028","Ontario ministry, Complaint Notice: Debt Settlement Service. https://files.ontario.ca/cpo_0008-17_cpo_notices_debt_settlement.pdf","PDF P0–P1; preliminary complaint and enforcement process","Complete two-page text read. Administrative template, not a court holding or a source of private statutory compensation. \nfiles.ontario.ca"],["C_CA-P01-S029","Ontario ministry, Filing a consumer complaint. https://www.ontario.ca/page/filing-consumer-complaint","Public read-only complaint pathway and prerequisites","Indexed excerpts only, direct 403; no filing, business contact or case inquiry. \nInternal Error"],["C_CA-P01-S030","Ontario public business registration directory. https://www.ontario.ca/page/search-business-licence-registration-or-appointment","Collection agency/debt settlement provider types and public registration fields; Ontario","Official indexed discovery/features, direct public page not fully read; no entity searched. \nontario.ca"],["C_CA-P01-S031","Ontario ministry, Registrar bulletin concerning place-of-business requirements, dated 2026-02-26. https://www.ontario.ca/files/2026-03/mpbsdp-registrars-bulletin-place-of-business-requirements-en-2026-02-26.pdf","Apparent recent guidance relevant to Reg. 74 §13(10), not enacted regulation","Discovery only / PDF fetch 403. No proposition about the bulletin's actual operative text adopted. \nInternal Error"],["C_CA-P01-S032","Ontario e-Laws, French official statute: Loi sur les services de recouvrement et de règlement de dette. https://www.ontario.ca/lois/loi/90c14","French version of S001; same provincial subject and legal currency issue","Official indexed title/excerpts, complete French law not read; no certified bilingual discrepancy review."],["C_CA-P01-S033","Ontario e-Laws, French Reg. 74: Dispositions générales. https://www.ontario.ca/lois/reglement/900074","French version of S002, including §§17, 18.1–19.11 and 27–28","Official indexed excerpts only; language-specific contract/exception wording not exhaustively compared. \nontario.ca\n+1"],["C_CA-P01-S034","Government of Canada, Bankruptcy and Insolvency Act, R.S.C. 1985, c. B-3. https://laws-lois.justice.gc.ca/eng/acts/B-3/FullText.html","§§2, 13, 66.11–66.14, 66.26, 202(1)(a); federal consolidation current to 2026-09-30, last amendment 2026-06-20","Official statutory HTML body read in material sections. English version used; French statutory wording and wider insolvency provisions not exhaustively reviewed. \nlaws-lois.justice.gc.ca\n+2"],["C_CA-P01-S035","Canada OSB, What is a Licensed Insolvency Trustee? https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","Federal LIT authority, insolvency proceedings, oversight; web page modified 2016-06-05","Relevant page body read. Informational source subordinate to BIA; older publication date disclosed. \nised-isde.canada.ca"],["C_CA-P01-S036","Canada OSB, The Adverse Effects of the Debt Advisory Marketplace on the Insolvency System. https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/adverse-effects-of-the-debt-advisory-marketplace-on-the-insolvency-system","Federal regulator's debt-advisor/lead-generator positions, especially body ¶-equivalent HTML lines 37–58, 78–106, 108–144, 176–205, 237–263","Material body read; OSB policy/interpretation is distinguished from enacted offence elements. Not a finding about any named firm. \nised-isde.canada.ca"],["C_CA-P01-S037","Canada OSB, You Owe Money — Consumer Proposals. https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","Federal statutory proposal distinction and LIT administration","Official indexed excerpt, not a complete process review. \nConsumer proposals"],["C_CA-P01-S038","Ontario Tribunals, Licence Appeal Tribunal, Laws, rules and decisions. https://tribunalsontario.ca/lat-gs/laws-rules-and-decisions/","Jurisdiction listing includes CDSSA; administrative appeal decision research doorway","Page text surfaced/read via search, no material CDSSA merits decision located in bounded case searches. \ntribunalsontario.ca"],["C_CA-P01-S039","Ontario Superior Court of Justice, Decisions of the Court. https://www.ontariocourts.ca/scj/about-the-court-2/decisions-of-the-court/","Court judgment repository/currency and official-record qualifications","Official page body excerpt read: CanLII is not exhaustive and the signed court-file original controls. No CDSSA fee decision holding adopted. \nOntario Superior Court of Justice"],["C_CA-P01-S040","Ontario Superior Court of Justice, Finding Legal Help and Representation. https://www.ontariocourts.ca/scj/areas-of-law/small-claims-court/finding-legal-help/","Read-only legal-help options","Official page text surfaced/read; no referral performed. \nontariocourts.ca"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim, application and qualification","Source ID and pinpoint"],["C_CA-P01-C001","Ontario's principal debtor-paid debt-settlement framework is the CDSSA and its General Regulation 74; this is a provincial, not Canada-wide, regulatory determination.","S001 §§1, 16.3–16.10; S002 §§27–30; indexed"],["C_CA-P01-C002","CDSSA consolidation runs from December 6, 2023; Reg. 74 from March 1, 2022. These are consolidation starting dates, not every provision's commencement date.","S001 and S002, e-Laws consolidation headers; indexed"],["C_CA-P01-C003","Consumer Protection Act, 2023 is enacted but not yet operative; CDSSA's references to CPA 2002 §§92, 94 remain the presently applicable cancellation route.","S010 commencement note; S001 §16.9; S009 §§92, 94; S011 P3; indexed/statutory and ministry corroboration"],["C_CA-P01-C004","The debt-settlement statutory changes relevant to CDSSA §32 came into force July 1, 2015; pre-commencement agreements require the §32 amendment/renewal/extension test.","S004 proclamation; S001 §32; S003 enacted §32; historical/current indexed cross-check"],["C_CA-P01-C005","2018 changes removed individual collector registration and general bonding on January 1; subsequent changes included trust-account arrangements effective July 1.","S012 PDF P0–P1, dated Jan. 5, 2018; enacted-regulation cross-check S002 §§13, 17"],["C_CA-P01-C006","Debtor-paid offering/undertaking to negotiate or arrange with creditors, or receiving debtor money for distribution, can be “debt settlement services” even before a creditor accepts an offer.","S001 §1(1) defined term; S003 legislative text lines 503–515; current definition indexed"],["C_CA-P01-C007","Collecting for a creditor and buying delinquent debt to collect are separate collection-agency activities; they are not synonymous with debtor-paid negotiations.","S001 §1(1), definitions of collection agency/collector; S012 P0; indexed"],["C_CA-P01-C008","The Ontario-location gateway is met if either the debtor or applicable agency/collector is in Ontario when dealing occurs.","S001 §2(0.1); S003 lines 517–521; indexed"],["C_CA-P01-C009","Courts/tribunals examine an entity's or transaction's real substance and may disregard outward form; labels or entity splitting do not conclusively determine coverage.","S001 §2.1; S003 lines 522–526; indexed"],["C_CA-P01-C010","Corporate-debt collection was removed from CDSSA coverage in 2018; the effect on debt owed by individuals for business purposes or on debtor-paid settlement services requires separately applying exact definitions and exceptions.","S012 P0; S002 §19.7; S001 §§1–2; partially resolved, not a blanket exclusion"],["C_CA-P01-C011","CPA 2002's ordinary “consumer” scope involves personal, family or household rather than business purposes; the CDSSA-specific cancellation right separately incorporates CPA notice procedure.","S009 §§1–2, 92, 94; S001 §§16.7–16.9; indexed"],["C_CA-P01-C012","Ontario public regulator is the CDSSA Registrar within the ministry's consumer-protection system; the statute and regulation, not an external licence, determine provincial registration and enforcement.","S001 §§3–8, 27–29.0.1; S019 compliance guide; S028 P0–P1"],["C_CA-P01-C013","French official statutory and regulatory versions exist, but no comprehensive bilingual substantive reconciliation was achieved.","S032 title; S033 title/§§18.1–19.11; language verification partial"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim, application and qualification","Source ID and pinpoint"],["C_CA-P01-C014","Ordinary covered debt-settlement agencies must register before conducting that business in Ontario.","S001 §4(1), §16.6(4); S014 registration overview; indexed"],["C_CA-P01-C015","Individual collectors remain regulated for conduct but do not need an individual Ontario collector registration under the post-2018 regime. Agency registration remains necessary.","S012 P0; S014 guidance; S001 §4, amended 2017"],["C_CA-P01-C016","A corporate collection agency operating in Ontario must be incorporated under Ontario, Canadian, or another Canadian provincial/territorial law.","S001 §11; S017 incorporation guidance; indexed"],["C_CA-P01-C017","Regulated agencies must operate from a permanent non-dwelling Ontario location open during normal business hours. Remote staff do not eliminate required premises.","S002 §13(10); S013 P1; current indexed"],["C_CA-P01-C018","Certain remote-worker records must be kept at the agency's registered premises; local files only on an individual worker's computer are insufficient under the Registrar's published interpretation.","S002 §13(12); S013 P1; administrative guidance explaining regulation"],["C_CA-P01-C019","Agency experience is subject to the two-years-or-equivalent test; applicable examination pass mark is at least 75%, with official stated exam fee CAD $10.","S002 §§13, 15; S015 examination guide; indexed"],["C_CA-P01-C020","Official published agency registration/renewal fee is CAD $290, plus CAD $290 per branch; these are filing/registration fees, not debtor service charges.","S020 ministerial notice items 1–2; S015; official indexed, current administrative corroboration"],["C_CA-P01-C021","A general collection-agency bond is no longer a current registration requirement, effective January 2018; financial reporting and trust compliance remain. No universal insurance exemption was established.","S012 P0; S002 §§13–14; insurance-specific inquiry unresolved"],["C_CA-P01-C022","Renewal requires a timely, complete package, including pertinent disclosures and certified financial/trust reporting; lapse may require stopping business and obtaining a new registration.","S002 §§13–14; S013 P1–P2"],["C_CA-P01-C023","Registrar refusal, renewal refusal, conditions, suspension or revocation are separate administrative processes, with procedural/tribunal routes; convictions and monetary penalties are not equivalent to private refunds.","S001 §§8, 28–29.0.1; S008; S019; S028 P1"],["C_CA-P01-C024","Public read-only registration searches cover collection agencies, debt-settlement providers and debt purchasers; directory listing alone does not establish every contract's legality.","S030 directory category description; indexed/features only"],["C_CA-P01-C025","Ontario lawyer professional-work exemption requires legally qualifying professional status/activity; Reg. 74 §18.1 reapplies provisions in certain outward-facing collection activities beyond regular professional practice.","S001 §2(1)(a); S002 §18.1(1)–(9); S007 amendment; carve-back subparagraph verification partial"],["C_CA-P01-C026","Paralegals and their employees receive corresponding activity-dependent treatment under Reg. 74 §18.2; “paralegal” alone is not sufficient proof of an exemption.","S002 §18.2(1)–(4); S007 relevant amendments; indexed"],["C_CA-P01-C027","A qualifying non-profit registered charity providing credit counselling has a specified government-fee exemption, not a general exemption from agency or consumer rules.","S002 §19.1(1)–(2); S012 P0 (individual-registration repeal); indexed"],["C_CA-P01-C028","Professional, Bank Act, insurer, credit-union, trust/loan-company and specified insolvency/court-appointed exceptions depend on exact capacity and statutory predicates.","S001 §2(1) specified clauses; S002 §§18.1–19.11; individual exclusions partially read; no blanket extension"],["C_CA-P01-C029","Creditors acting on their own lawfully held claims differ from independent collectors; debt purchasers and affiliate arrangements have specific conditions, including name and delinquency predicates in particular exemptions.","S001 §§1, 2, 5; S002 §§19.5–19.11; indexed"],["C_CA-P01-C030","Simply originating a refinance loan, providing general financial education or referring a debtor is not necessarily the statutory debtor-paid negotiation activity; combining these with paid negotiations can change classification.","S001 §1(1), §2.1; S036 HTML lines 37–46; inference from statutory functions, not a categorical safe harbour"],["C_CA-P01-C031","Another jurisdiction's authorization does not remove the Ontario-location gateway or establish satisfaction of Canadian corporate incorporation, Ontario premises and agency registration.","S001 §§2(0.1), 4, 11; S002 §13(10); applied conditional inference"]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim, application and qualification","Source ID and pinpoint"],["C_CA-P01-C032","Covered debt-settlement services require a prescribed written agreement delivered by the time it is entered into, in a form the debtor can retain.","S001 §16.5(1), (3)–(4); S003 lines 554–570"],["C_CA-P01-C033","Only one unexpired debt-settlement agreement may ordinarily operate between agency and debtor; related additional agreements can be deemed part of it.","S001 §16.5(2); S003 lines 563–564"],["C_CA-P01-C034","Disclosure must be clear, comprehensible and prominent; ambiguities allowing multiple reasonable interpretations favour the debtor.","S001 §16.5(3)–(5); S003 lines 565–573"],["C_CA-P01-C035","The applicable prescribed form dated November 24, 2014 must be the agreement's first page; selection depends on schedule versus one-time-settlement method.","S002 §27(1); S021/S024 repository identity; S022–S026 bodies unread"],["C_CA-P01-C036","Regulation 74 §27 specifies agency identity, registration details, creditors, balances, services, costs, dates, signatures, conditions, termination and appropriate schedule/settlement terms.","S002 §27(1), indexed; S005 enacted amendments; actual private agreements unavailable"],["C_CA-P01-C037","The agency must disclose whether it receives or will attempt to receive creditor funding connected to the debtor's arrangement. This does not itself prove such funding is lawful or unlawful in every structure.","S001 §16.5(1)(c); S002 §27(1) funding clause; indexed"],["C_CA-P01-C038","The schedule-payment model specifies a maximum of 15% of each creditor payment covered by the agreement.","S002 §27(1)(1)(ii); S005 corresponding amendment; indexed"],["C_CA-P01-C039","The qualifying one-time settlement model specifies a maximum of 10% of each debt's amount at agreement signing, only for debts settled through the agency.","S002 §27(1)(2)(ii); S005; indexed"],["C_CA-P01-C040","Before charging on a creditor's debt the agency needs a debtor–creditor agreement for the settlement amount, at least one payment under it and written evidence possessed by the agency.","S002 §28(1)(a)–(c); S005; indexed"],["C_CA-P01-C041","Those fee predicates apply creditor by creditor in a multi-creditor agreement; performance on one debt does not unlock another's fee.","S002 §28(2); S005; indexed"],["C_CA-P01-C042","Section 28(3) imposes the per-creditor allocation limit \n𝐴\n×\n𝐵\n/\n𝐶\nA×B/C, using the agreement-wide allowable services amount, particular creditor's debt and total debts.","S002 §28(3), variables A/B/C; S005; official indexed text"],["C_CA-P01-C043","Schedule-model agencies may charge a distinct one-time amount no greater than CAD $50 before the §28(1) performance conditions.","S002 §28(4); indexed; no extension to lump-sum-only method"],["C_CA-P01-C044","Dishonoured-cheque charges have a narrow §28(5) allowance tied to the actual financial-institution charge; unrelated administration, referral or setup labels have no automatic allowance.","S002 §28(5); S001 §16.6(1)–(2); indexed"],["C_CA-P01-C045","Direct/indirect advance consumer compensation or security is prohibited except where prescribed; “payment” includes remuneration channelled to another person as a contract condition.","S001 §16.6(1)–(3); S003 lines 575–585"],["C_CA-P01-C046","A provider entering the settlement agreement before registration cannot become entitled to its services fee by later registering.","S001 §16.6(4); S003 lines 587–588"],["C_CA-P01-C047","Unambiguously earned fees are excluded from §17(1) trust funds; other normal-course client/debtor money and future-service advances/deposits are included.","S002 §17(1); S012 PDF P2, lines 95–105 reproducing the provision"],["C_CA-P01-C048","Agencies maintain designated, separate trust accounts with restricted withdrawals; money may be withdrawn/disbursed only consistently with the terms on which it was received or another legal authorization.","S002 §17(2), (3), (5), (7); indexed"],["C_CA-P01-C049","Trust funds received from an Ontario debtor generally must be deposited within two banking days.","S002 §17(4); indexed"],["C_CA-P01-C050","A trust account elsewhere in Canada requires the particular creditor-instruction, equivalent-protection, Registrar-notice and written-consent conditions; no general foreign escrow safe harbour was proven.","S002 §17(4.2)–(4.3); S012 P1"],["C_CA-P01-C051","Trust remittances are generally due to the person entitled by the 20th day of the next month; sums below CAD $15 have a 90-day rule and qualifying six-month unclaimed amounts go to the Minister.","S002 §18(1)–(2); indexed; applicable creditor-as-agency exception requires fact check"],["C_CA-P01-C052","The current Ontario guide's description of future-service advances conflicts with the Registrar's express quotation of Reg. 74 §17(1); the guide is not treated as amending law.","S018 indexed; S012 P2; source-conflict finding"],["C_CA-P01-C053","Agencies must retain specified negotiation, agreement, communication, payment and advertising records for six years measured under Reg. 74 §30(3).","S002 §30(1)–(3); S008 listed breach; indexed"],["C_CA-P01-C054","The debtor can request a written performance report; failing to provide it within 15 days is a prescribed prohibited practice.","S002 §29(4); S005; S008; official indexed"],["C_CA-P01-C055","Creditor-authorization and creditor-refusal notices have specified 15-day obligations; the agency cannot imply creditors are guaranteed to cooperate.","S002 §29 relevant paragraphs; S005; indexed"],["C_CA-P01-C056","Debt-settlement practices include restrictions on misleading outcomes/timing, debtor incentives, unauthorized information disclosure and limitations on the debtor's creditor communications.","S001 §§16.3–16.4, 25; S002 §§26, 29; full paragraph-by-paragraph comparison partial"],["C_CA-P01-C057","An agency advertising “typical results” must apply the regulated historical measurement rather than an invented savings guarantee; Regulation 74 uses a six-to-twelve-month period from the preceding year.","S002 §26(1)–(2); official indexed"]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim, application and qualification","Source ID and pinpoint"],["C_CA-P01-C058","Without giving a reason, a debtor may cancel from agreement entry until 10 days after receiving its written copy.","S001 §16.7(1); S003 lines 596–598"],["C_CA-P01-C059","If the debtor never receives a copy satisfying §16.5(1), an additional cancellation right exists within one year after entering the agreement.","S001 §16.7(2); S003 lines 600–601"],["C_CA-P01-C060","Cancellation is governed by incorporated CPA 2002 §§92 and 94. Unless another regulation requires otherwise, notice can be oral or written; qualifying non-personally served written notice is deemed given when sent.","S001 §§16.7(3), 16.9; S009 §§92(1)–(5), 94(1); indexed"],["C_CA-P01-C061","Amending the agreement can restart the specified no-reason cancellation window on receipt of the amended written copy; a compliant amendment cannot retroactively extinguish previously acquired rights or completed creditor settlements.","S002 §27(2)–(5); indexed"],["C_CA-P01-C062","Valid agency-agreement cancellation affects specified related agreements, guarantees and financing; it expressly excludes independently entered creditor agreements from the related-agreement cancellation.","S001 §16.7(4)–(5); S003 lines 606–622"],["C_CA-P01-C063","A debtor cancelling under §16.7 may demand refund of payments under the agency agreement within one year after the agreement was entered into.","S001 §16.8(1); S003 lines 624–625"],["C_CA-P01-C064","A person who made a payment prohibited by §16.6 has a separate refund-demand route requiring notice within one year of that payment.","S001 §16.6(5); S003 lines 590–594"],["C_CA-P01-C065","For either prescribed §16.6(5) or §16.8(1) demand, the agency must refund within 15 days after receiving the notice. Notice-giving and agency receipt are separate factual predicates.","S002 §28(6); S001 §§16.6(6), 16.8(2); directly surfaced official text \nontario.ca"],["C_CA-P01-C066","CDSSA contractual waivers/releases of Act/regulation protections are void.","S001 §22.1; indexed"],["C_CA-P01-C067","CDSSA §16.10 grants a debtor a specific Superior Court of Justice action for prohibited settlement-service payments; successful relief is subject to the statutory inequity exception and judicial discretion for additional damages.","S001 §16.10(1)–(2); S003 lines 645–657"],["C_CA-P01-C068","Administrative remedies include licence actions and penalties; CDSSA §29.0.1 has an administrative penalty ceiling of CAD $10,000, distinct from the offence penalties of up to CAD $50,000 for individuals and CAD $250,000 for corporations.","S001 §§8, 28(2.2), 29.0.1; S008; S028 P1"],["C_CA-P01-C069","Official complaint material recommends a first written attempt to resolve with the business and describes potential investigation/enforcement after a roughly three-week response stage. This is not a court judgment or individual reimbursement guarantee.","S028 P0–P1; S029 guidance indexed"],["C_CA-P01-C070","The bounded primary-source court/tribunal search located jurisdiction and decision repositories but no relevant CDSSA consumer-fee merits decision whose actual reasons could be read; no absence-of-case-law claim follows.","S038–S039; searches of Tribunal, Ontario court and CanLII indexes on 2026-10-26"],["C_CA-P01-C071","The two required official front-page form families were located, but their content could not be read through the available delivery methods; any statement asserting full form-text compliance is unsupported.","S021–S026, exact repository and failed-download records"],["C_CA-P01-C072","Official English and French enactment sources exist, but an exhaustive bilingual equivalence/meaning comparison was not performed.","S001–S002; S032–S033"],["C_CA-P01-C073","Ontario civil remedies against a settlement provider do not by themselves extinguish an underlying creditor debt or judgment. Creditors' own contracts and any statutory insolvency effect require separate predicates.","S001 §16.7(5); S003 lines 621–622; S034 BIA statutory contrast"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim, application and qualification","Source ID and pinpoint"],["C_CA-P01-C074","The federal BIA creates a distinct regulated bankruptcy/consumer-proposal system, administered through legally qualified trustees/administrators rather than a private settlement fee contract.","S034 §§13, 66.11–66.14; S035 relevant body"],["C_CA-P01-C075","Federal OSB recognizes permissible independent debt-management advice but warns that non-LIT advisors misrepresenting their ability to offer/file insolvency proceedings raise separate concerns.","S036 HTML lines 37–58, 78–106; policy interpretation separated from S034 §202"],["C_CA-P01-C076","Example 1: with signed debts CAD 4,800/3,600/1,600, the hypothetical 10% ceilings are CAD 480/360/160; only A triggers a fee because only A has creditor agreement, payment and written proof.","S002 §§27(1)(2), 28(1)–(3); computed application of C039–C042"],["C_CA-P01-C077","Example 1: CAD 2,400 creditor payment plus CAD 480 supportable agency fee equals CAD 2,880 outflow; assuming A's written full satisfaction, other starting balances sum to CAD 5,200. Valid cancellation/refund of CAD 480 reduces net outflow to CAD 2,400 without undoing A's settlement.","S001 §§16.7–16.8; S002 §§27–28; arithmetic and explicit assumptions"],["C_CA-P01-C078","Example 2: CAD 6,000/4,000 schedule balances with expected full payments permit an illustrative 15% total CAD 1,500, proportionally CAD 900/600; a proven CAD 500 creditor A payment supports at most CAD 75 percentage fee.","S002 §§27(1)(1), 28(1)–(3); arithmetic and explicit assumptions"],["C_CA-P01-C079","Example 2: with a permitted CAD 50 one-time schedule charge and CAD 75 triggered fee, CAD 500 creditor payment produces CAD 625 consumer outflow and CAD 9,500 nominal remaining debt; proper cancellation/refund of CAD 125 leaves CAD 500 net outflow.","S001 §§16.7–16.8; S002 §28(4), (6); arithmetic and conditional assumptions"],["C_CA-P01-C080","The remote-provider, claimed-charity, claimed-lawyer and notice scenarios are conditional decision trees; without missing factual predicates none can establish exemption, fee entitlement, cancellation deadline or creditor discharge.","C008, C014–C031, C058–C065, C073; illustrated applications only"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["A1. Actual Ontario enactment","Answered, source-access qualified","A; C001–C003","Direct full e-Laws current body inaccessible; retrieve complete official text independently"],["A2. Consolidation versus commencement","Partial","A; C002–C005","Recheck individual amendments and every relevant commencement table from complete current consolidation"],["A3. 2023 replacement not yet force","Answered","A/D; C003","Recheck proclamation immediately before eventual publication"],["A4. Provincial authority versus federal insolvency","Answered within narrow boundary","A/E; C012, C074–C075","Broader federal agency/bank and national regimes deferred"],["A5. Consumer versus business purpose","Partial","A; C010–C011","Test individual sole proprietor, guarantor and debtor-side service under every applicable clause"],["A6. Provider and debtor definitions","Answered, source-access qualified","A/B; C006–C007","Full definition/amendment comparison"],["A7. Remote/out-of-province location","Answered as conditional gateway","A/F4; C008, C031","Particular contracting entity/location facts and conflicts analysis in later pass"],["A8. Anti-avoidance","Answered","A; C009","Real-world factual application intentionally excluded"],["A9. Indigenous/local/special jurisdiction overlay","Unresolved","Jurisdiction note","Separately research any federal-Indigenous, reserve, municipal or local overlay; no silent Ontario-wide closure"],["A10. English/French/version comparison","Partial","Source register; C013, C072","Complete bilingual enactment and form-text comparison required"]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["B1. Debtor-paid negotiator","Answered","B; C006, C014","Apply fee-source and activity facts for a real model"],["B2. Creditor collector/purchased debt","Answered at classification level","B; C007, C029","Full collector conduct expressly deferred"],["B3. Payment-only distributor","Partial","B/C; C006, C030, C047–C051","Examine precise fee recipient, ownership of funds and any separately regulated payment-services activity"],["B4. Creditor's own debt","Partial","B; C029","Analyze affiliate/assignment/own-name predicates with complete §§19.5–19.11 text"],["B5. Refinancing lender","Partial","B; C030","Lender/broker licensing elsewhere, and combined loan–negotiation business model"],["B6. LIT/insolvency professional","Answered as boundary","B/E; C028, C074","Verify exact activity/capacity before invoking CDSSA §2 exception"],["B7. Ontario lawyers","Partial","B/F6; C025","Read all Reg. 74 §18.1(3)–(9) clauses against Law Society authority"],["B8. Paralegals","Partial","B/F6; C026","Same for §18.2; exact client engagement"],["B9. Registered-charity counsellors","Answered for narrow fee exemption; partial overall","B/F3; C027","Verify §19.1 legacy language and any other specific charity exemption"],["B10. Banks/insurers/trusts/credit unions","Partial","B; C028","Actor-specific statutory definitions and regulated-business capacity"],["B11. Agencies/collectors/branches","Answered","B; C014–C017, C020","Detailed branch approvals and individual identification obligations"],["B12. Nonresident corporations","Partial","B/F4; C016–C017, C031","Incorporation and registration pathways for particular entity structures"],["B13. Financial/experience/exam qualifications","Partial","B; C019, C021–C022","Full current application form; insurance/security tests and personal eligibility"],["B14. Official fees","Answered with current-order hold","B; C020","Read direct current Minister's order and check subsequent fee amendments"],["B15. Bond and security","Answered for general bond removal; otherwise partial","B; C021","Special registration conditions, insurance, financial security and new guidance"],["B16. Renewal, records, discipline","Answered with procedural gaps","B/D; C022–C023, C053, C068","Tribunal procedure and administrative-penalty tier mapping"],["B17. Public register","Answered for existence/features","B; C024","Official refresh cycle and field definitions; no specific entity search authorized"],["B18. Dedicated “debt-advisor” licence distinct from CDSSA collection-agency registration","Not located; unresolved, not deemed nonexistent","B; C001, C014, C030","Bounded official searches of CDSSA, Reg. 74, Ontario ministry licensing guidance and OSB materials found collection-agency route; next inspect complete Ontario licence inventory and separate advisory/lending legislation"]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["C1. Scope of consumer payment","Answered","C; C045","Particular third-party/referral arrangements require factual review"],["C2. Schedule percentage/base","Answered","C/F2; C038, C078","Full contract and first-page form still needed"],["C3. One-time percentage/base","Answered","C/F1; C039, C076","Balance and settlement evidence needed in any actual account"],["C4. Contract price versus statutory ceiling","Answered","C; C038–C039","Actual price unknown; no assumed charge"],["C5. Creditor agreement and payment trigger","Answered","C; C040","Creditor writing and first-payment evidence needed"],["C6. Separate per-debt earning","Answered","C/F; C041","Application to jointly owned/assigned accounts unresolved"],["C7. Proportional multi-creditor cap","Answered at statutory formula","C/F; C042","Fine treatment of amendments and any separately charged $50 allocation requires further examination"],["C8. CAD $50 advance exception","Answered","C/F2; C043","Contract allocation and actual fee receipt unknown"],["C9. Dishonoured instrument","Answered with source limits","C; C044","Full current §28(5) and actual bank charge"],["C10. Other fees/lead/referral/add-ons","Partial","C; C037, C044–C045","Map each consideration pathway and prohibited indirect terms"],["C11. Pre-registration fee","Answered","B/C; C046","Factual date of contracting and actual registration status"],["C12. Creditor-only compensation","Partial","C; C006, C037","Test whether consumer consideration, agency status or other statutes independently apply"],["C13. Taxes/GST/HST","Unresolved","C examples intentionally exclude taxes","CRA/GST-HST taxability and invoicing pass; do not infer amount or exemption"],["C14. Trust definition","Answered with guidance inconsistency","C; C047, C052","Reconcile direct operative text and conflicting ministry web guide"],["C15. Trust deposit/segregation","Answered","C; C048–C050","Account-level compliance is outside read-only general research"],["C16. Trust disbursement/unclaimed funds","Answered at general rule","C; C051","Exact exception for agency-as-creditor, disputed ownership and unclaimed property"],["C17. Cross-provincial/third-party escrow","Partial","C; C050","Payment-provider structures, beneficial ownership and extra licensing"],["C18. Contract performance reports/records","Answered","C/D; C053–C055","Exact example report/template remains unavailable"],["C19. Advertising and savings representations","Partial","C; C056–C057","Read entire §26/§29 enumerations and compare marketing claims"],["C20. Existing/transitional agreement fee","Partial","A/D; C004","Pre-2015 signing/amendment chronology for any particular agreement"]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["D1. Written agreement before services","Answered","D; C032","Actual provider agreement absent"],["D2. Delivery/retainable form","Answered","D; C032–C034","Evidence of actual receipt and compliant delivery"],["D3. Contract particulars/signature/funding","Partial","D; C035–C037","Entire current §27 body plus private agreement and forms"],["D4. Prescribed first-page English/French forms","Partial — material hold","D/source register; C035, C071–C072","Download/read 11351e/f and 11352e/f in a supported official format"],["D5. Language requirement","Partial","D; C013, C072","Verify French form, language service duties and any contract-language election; no universal translation mandate inferred"],["D6. One agreement/amendment","Answered with trigger gaps","D; C033, C061","Full renewal/extension term and 18-month termination trigger wording"],["D7. No-reason cancellation","Answered","D/F5; C058","Receipt and notice dates for individual calculation"],["D8. Defective-copy one-year route","Answered conditionally","D/F5; C059","Establish what was delivered and whether it complied"],["D9. Notice form/address/giving","Answered as statutory method","D/F5; C060","Detailed holiday/deeming, method and evidence fact-pattern checks"],["D10. Separate refund demand window","Answered","D; C063–C064","Actual notice dates, identity of payer and service"],["D11. Refund recipient/deadline","Answered generally","D; C065","Payee/account mechanism and any disputed payment ownership"],["D12. Cancellation effects","Answered","D; C062, C073","Particular financing/guarantee nexus and creditor writing"],["D13. Nonwaiver","Answered","D; C066","No contract-specific review"],["D14. Private court remedy","Answered at statute","D; C067","Limitation, pleading and forum/process issues deferred"],["D15. Public penalties and registration actions","Answered generally","D; C023, C068","No enforcement result in a private case inferred"],["D16. Published merits decisions","Unresolved after bounded search","D; C070","Future targeted Ontario court/Tribunal decision search using actual reasons, neutral citation and subsequent history"],["D17. Official complaint/legal-help paths","Answered as read-only information","D; C069","No complaint, contact or referral performed"],["D18. Evidence checklist and adverse outcomes","Answered as research framework","Below; C040–C073","Specific consumer outcome requires documents and legal analysis"]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["E1. Federal BIA authority","Answered as gateway","E; C074","Wider eligibility and procedure deferred"],["E2. LIT and statutory proposal distinction","Answered as gateway","E; C074–C075","Particular LIT delegation/proposal conditions not evaluated"],["E3. Ordinary private settlement effect","Answered at distinction level","E; C073–C075","Creditor contract and applicable debt-specific statute"],["E4. OSB debt-advisor position","Answered with policy caveat","E; C075","Do not transform OSB examples into a judicial holding"],["E5. Federal bank/credit-product/collector regimes","Excluded with reason","E boundary only; C074","Parent country passes; outside provider-focused investigation"]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location; exact claims","Missing evidence / next focused step"],["F1. Covered versus claimed charity","Answered conditional","F3; C027–C028, C080","Proof of status and actual service"],["F2. Multi-debt one-time calculation","Answered hypothetical","F1; C076–C077","Actual amounts, writing and fees absent"],["F3. Schedule-model calculation","Answered hypothetical","F2; C078–C079","Contract allocation, actual payments and earned-fee ledger"],["F4. Two fully recomputed quantitative examples","Answered","F1–F2; C076–C079","Arithmetic audited internally, not independently approved"],["F5. Remote/out-of-province nexus unknown","Answered conditional","F4; C008, C031, C080","Parties' locations at dealings and legal entity"],["F6. Defective copy/notice timing","Answered symbolic","F5; C058–C065, C080","No invented calendar deadline"],["F7. Professional-title exemption","Answered conditional","F6; C025–C026, C080","Exact professional-practice predicates"],["F8. Adverse branch/no automatic debt discharge","Answered","F1–F6; C073","Creditor contract, judgments and other law not reviewed"]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Jurisdiction","Status in C_CA-P01","Required next focused investigation"],["Ontario","Focused provider component researched; partial evidence holds","Resolve unread forms, complete e-Laws text, professional carve-backs, money-account treatment and decisions"],["Alberta","Not researched","Establish independently the current collection/debt-repayment licensing categories, exemptions, consumer fees, agreements, refund and money-handling rules"],["British Columbia","Not researched","Independently investigate debt repayment agency regulation, licensing, fee formula, trust funds and cancellation"],["Manitoba","Not researched","Independently identify collection and credit-counselling/debt-management laws and the current licensing/contract rules"],["New Brunswick","Not researched","Independently investigate its enacted debt-settlement act/rules, commencement, fees and oversight; no New Brunswick draft used as Ontario authority"],["Newfoundland and Labrador","Not researched","Locate current collection/debt settlement enactments, licences, exemptions, fees and cancellation"],["Nova Scotia","Not researched","Investigate collector and debtor-side debt-management categories, licensing, trust and contracts"],["Prince Edward Island","Not researched","Establish present statutory collection/debt counselling activities, provider authorization and safeguards"],["Quebec","Not researched","Research applicable Quebec legislation independently in authoritative French and English where available; no Ontario terms transplanted"],["Saskatchewan","Not researched","Identify current collection-agent/debt-adjustment licensing, fees, contracts and provincial enforcement"],["Northwest Territories","Not researched","Independently research territorial licensing and consumer fee/contract rules, plus applicable federal gateways"],["Nunavut","Not researched","Independently research territorial collection/debt-settlement authority, commencement and consumer safeguards"],["Yukon","Not researched","Independently investigate territorial consumer/collection agency statutes, exemptions and money handling"],["Canada federal boundary","Only insolvency gateway reviewed","Separate federal banking, communications, competition, privacy, financial consumer, taxation and cross-border analyses remain necessary"]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Deferred country issue","Status","Precise next-pass question"],["Debt products","Excluded","Which loans, credit cards, medical, utility, student and other obligations follow distinct federal/provincial regimes?"],["Collector conduct and validation","Excluded","What creditor-side notice, communication, dispute and collection rights actually operate in each jurisdiction?"],["Limitation and revival","Excluded","How do dates, acknowledgments, payments and judgments affect court limitation periods?"],["Credit reporting","Excluded","What may creditors and bureaus report after default, settlement, cancellation or insolvency?"],["Courts and litigation","Excluded","Which courts, claims procedures, costs and appeal paths apply to private debt disputes?"],["Garnishment and exemptions","Excluded","What income/property may creditors reach and under which judgments and exclusions?"],["Secured debts","Excluded","What do security interests, mortgages, vehicle financing and creditor remedies change?"],["Support obligations","Excluded","Are maintenance and support debts treated differently in settlement and insolvency?"],["Government debts","Excluded","How do tax, benefit, fines and Crown debt collection rules differ?"],["Detailed insolvency eligibility","Excluded","Who qualifies for proposals/bankruptcy, and what actual approvals, stays and discharge exceptions apply?"],["Insolvency procedures and creditor voting","Excluded","What are the filing, voting, amendment, annulment and distribution rules?"],["Canadian tax on forgiven debt and provider services","Unresolved/deferred","What federal/provincial income-tax and GST/HST rules apply to specific actors and transactions?"],["Moving abroad","Excluded","What changes when debtor, creditor or provider relocates during negotiation or enforcement?"],["Currency and payment transfers","Excluded","How do exchange conversion, cross-border funds and payment-provider regulations apply?"],["Contract choice of law","Excluded","Which mandatory Ontario protections survive a foreign forum/law clause?"],["Foreign judgments and recognition","Excluded","When are foreign judgments or settlements enforceable in Ontario, or vice versa?"],["Cross-border insolvency recognition","Excluded","What specific proceedings can be recognized, and by whom, under the applicable statutory route?"],["Indigenous and special local legal regimes","Unresolved/deferred","What jurisdiction-specific protections or authorities alter the general provincial analysis?"]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Test","Result","Qualification or hold"],["Actual primary-source internet research","Performed","Ontario e-Laws, Legislative Assembly, ministry PDFs, Central Forms Repository, Canadian Justice Laws and OSB"],["Current enactment identified","Partial access","Current official indexed statutory text obtained; direct e-Laws full-page reads returned 403"],["Statutory dates versus page update dates","Separated","2015, 2018 and prospective 2023 commencement distinguished"],["Exact provider and actor branches","Partially resolved","Professional exceptions and business-purpose edge cases need full text"],["Consumer fee arithmetic","Recomputed","Examples 1–2 balance; hypothetical assumptions are explicit"],["Fee performance triggers","Located","Agreement, first creditor payment and written evidence applied per debt"],["Refund trigger and days","Located","One-year notice branches and 15 days after provider receipt kept separate"],["Trust funds and guide inconsistency","Material reconciliation needed","Regulation/Registrar §17(1) conflicts with indexed web guidance"],["Mandatory front-page form contents","Publication hold","Form files found but substantive content unread through available public tools"],["Actual published court/Tribunal merits decision","Not established","Bounded searches completed; no decision adopted from a snippet"],["Named provider/borrower lookups","None","Public directory existence described only"],["External filings/contacts/payment/publication","None","Entire task remained read-only"],["Nationwide Canada findings","Not claimed","Ontario focused pass and narrow federal boundary only"],["Independent legal review","Not performed","Researcher's self-check does not replace the coordinator's review"]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Article or tool","Essential inputs","Required guardrail"],["“Does this Ontario debt-settlement service need registration?”","Activities, fee payer, debtor/provider Ontario location, actor type","Distinguish agency from individual collector, charity, lawyer, lender and LIT"],["“When can my settlement company charge me?”","Schedule vs one-time, debt-by-debt original balance, creditor agreement, payment and written proof","Each creditor separately; no fee automatically earned on enrolment"],["Ontario fee-ceiling calculator","Signed-date balances, model, actual creditor payments, contracted fee","Apply both model-specific cap and §28(3); label maximum versus amount presently earnable"],["“Can I cancel my Ontario debt-settlement agreement?”","Signature, copy delivered, copy defects, amendment, notice and refund-demand evidence","Symbolic pending deadlines until delivery and method facts are complete"],["Trust-money explainer","Payment recipient, earned-fee status, debtor location, account arrangement","Do not equate prohibited upfront fees with authorized trust deposits"],["Provider verification guide","Legal contracting name, public register type/status, business documents","Read-only public checks; no endorsement inferred"],["Creditor-versus-provider debt diagram","Provider contract, creditor agreement, actual payments, release language","Cancellation of service agreement is not discharge of original creditor debt"],["“Debt settlement vs consumer proposal”","Private offer versus statutory proceeding and LIT status","Never imply that a private arrangement produces a federal statutory stay or discharge"],["Ontario document organizer","Copies, contracts, notices, payment/creditor evidence","Privacy-first; avoid asking visitors to upload unnecessary personal identifiers"]]}],"claims":[{"claim_id":"C_CA-P01-C001","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C001","Precise claim, application and qualification":"Ontario's principal debtor-paid debt-settlement framework is the CDSSA and its General Regulation 74; this is a provincial, not Canada-wide, regulatory determination.","Source ID and pinpoint":"S001 §§1, 16.3–16.10; S002 §§27–30; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C001","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical2013frameworkamendment checked; currentAct/Reg74completebodies remainoriginalindexed/403held, noCanada-wideapplication.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C002","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C002","Precise claim, application and qualification":"CDSSA consolidation runs from December 6, 2023; Reg. 74 from March 1, 2022. These are consolidation starting dates, not every provision's commencement date.","Source ID and pinpoint":"S001 and S002, e-Laws consolidation headers; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C002","status":"bounded_evidence_confidence_correction_UNSENT","note":"Originalconsolidationdates not freshlyverified; Q001currentstatuscalibration, not proof anydatefalse.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C003","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C003","Precise claim, application and qualification":"Consumer Protection Act, 2023 is enacted but not yet operative; CDSSA's references to CPA 2002 §§92, 94 remain the presently applicable cancellation route.","Source ID and pinpoint":"S010 commencement note; S001 §16.9; S009 §§92, 94; S011 P3; indexed/statutory and ministry corroboration"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S001","C_CA-P01-S009","C_CA-P01-S010","C_CA-P01-S011"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C003","status":"bounded_evidence_confidence_correction_UNSENT","note":"CPA2023notyetforce assertion and92/94replacementcurrentoperation not freshlyverified; Q001requirespublication/commencement hold.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S009":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S010":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S011":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C004","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C004","Precise claim, application and qualification":"The debt-settlement statutory changes relevant to CDSSA §32 came into force July 1, 2015; pre-commencement agreements require the §32 amendment/renewal/extension test.","Source ID and pinpoint":"S004 proclamation; S001 §32; S003 enacted §32; historical/current indexed cross-check"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003","C_CA-P01-S004"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C004","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2013transition32historicalbody checked; exactJuly1,2015proclamation/currency unreopened.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held","C_CA-P01-S004":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C005","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C005","Precise claim, application and qualification":"2018 changes removed individual collector registration and general bonding on January 1; subsequent changes included trust-account arrangements effective July 1.","Source ID and pinpoint":"S012 PDF P0–P1, dated Jan. 5, 2018; enacted-regulation cross-check S002 §§13, 17"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C005","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletinphases/individualregistration/bond removal checked as datedguidance, not2026enactmentchain.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C006","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C006","Precise claim, application and qualification":"Debtor-paid offering/undertaking to negotiate or arrange with creditors, or receiving debtor money for distribution, can be “debt settlement services” even before a creditor accepts an offer.","Source ID and pinpoint":"S001 §1(1) defined term; S003 legislative text lines 503–515; current definition indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C006","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historicaldefinitiondebtorpaid/offering/undertaking/receivingdistribution checked inOLA; actualcurrentdefinition/application held.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C007","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C007","Precise claim, application and qualification":"Collecting for a creditor and buying delinquent debt to collect are separate collection-agency activities; they are not synonymous with debtor-paid negotiations.","Source ID and pinpoint":"S001 §1(1), definitions of collection agency/collector; S012 P0; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C007","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historicalcollection-agencybranches and2018debtpurchaserbulletinchecked; currentfullown-creditor/exemptionsheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C008","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C008","Precise claim, application and qualification":"The Ontario-location gateway is met if either the debtor or applicable agency/collector is in Ontario when dealing occurs.","Source ID and pinpoint":"S001 §2(0.1); S003 lines 517–521; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C008","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical2(0.1)eitherpartyOntarioattimeofdealing checked, noactualforeignentityfacts.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C009","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C009","Precise claim, application and qualification":"Courts/tribunals examine an entity's or transaction's real substance and may disregard outward form; labels or entity splitting do not conclusively determine coverage.","Source ID and pinpoint":"S001 §2.1; S003 lines 522–526; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C009","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical2.1SHALLreal-substance/MAYdisregardform checked, notcaseholding.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C010","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C010","Precise claim, application and qualification":"Corporate-debt collection was removed from CDSSA coverage in 2018; the effect on debt owed by individuals for business purposes or on debtor-paid settlement services requires separately applying exact definitions and exceptions.","Source ID and pinpoint":"S012 P0; S002 §19.7; S001 §§1–2; partially resolved, not a blanket exclusion"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C010","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletin sayscorporatedebtsexcluded;19.7unread andindividualbusinesspurpose/guarantor/debtorserviceeffects unresolved.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C011","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C011","Precise claim, application and qualification":"CPA 2002's ordinary “consumer” scope involves personal, family or household rather than business purposes; the CDSSA-specific cancellation right separately incorporates CPA notice procedure.","Source ID and pinpoint":"S009 §§1–2, 92, 94; S001 §§16.7–16.9; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S009"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C011","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"CPAconsumerpurpose/92/94completecurrentbodiesunread; historicalCDSSAincorporationchecked, noautomaticbusinesspurposeexclusion.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S009":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C012","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C012","Precise claim, application and qualification":"Ontario public regulator is the CDSSA Registrar within the ministry's consumer-protection system; the statute and regulation, not an external licence, determine provincial registration and enforcement.","Source ID and pinpoint":"S001 §§3–8, 27–29.0.1; S019 compliance guide; S028 P0–P1"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S019","C_CA-P01-S028"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C012","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Complaintnoticeconfirmsministryprogram/Registrar; fullcurrent3-8/27-29administration andministryrenamings held.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S019":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S028":"official_complaint_template_checked_only"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C013","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C013","Precise claim, application and qualification":"French official statutory and regulatory versions exist, but no comprehensive bilingual substantive reconciliation was achieved.","Source ID and pinpoint":"S032 title; S033 title/§§18.1–19.11; language verification partial"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S032","C_CA-P01-S033"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C013","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"OfficialFrenchsourcesrecordedbutnotreopened; selected2013bilingualPDFnotexhaustiveequivalence.","source_dispositions":{"C_CA-P01-S032":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S033":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C014","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C014","Precise claim, application and qualification":"Ordinary covered debt-settlement agencies must register before conducting that business in Ontario.","Source ID and pinpoint":"S001 §4(1), §16.6(4); S014 registration overview; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S014"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C014","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historicalpre-registrationfeeconsequencechecked; currentagencyregistration4textunread, noactualregistration.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S014":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C015","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C015","Precise claim, application and qualification":"Individual collectors remain regulated for conduct but do not need an individual Ontario collector registration under the post-2018 regime. Agency registration remains necessary.","Source ID and pinpoint":"S012 P0; S014 guidance; S001 §4, amended 2017"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S012","C_CA-P01-S014"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C015","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletinindividualregistrationremoval/conductandagencylists checked; currentamendmentchainheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation","C_CA-P01-S014":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C016","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C016","Precise claim, application and qualification":"A corporate collection agency operating in Ontario must be incorporated under Ontario, Canadian, or another Canadian provincial/territorial law.","Source ID and pinpoint":"S001 §11; S017 incorporation guidance; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S017"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C016","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Current11incorporationrequirement and17guidebodyunread; noforeigncorporatestructure/legalqualificationdetermination.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S017":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C017","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C017","Precise claim, application and qualification":"Regulated agencies must operate from a permanent non-dwelling Ontario location open during normal business hours. Remote staff do not eliminate required premises.","Source ID and pinpoint":"S002 §13(10); S013 P1; current indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S013"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C017","status":"bounded_evidence_confidence_correction_UNSENT","note":"2021bulletinpremises/remoteoperationsquoted; current13(10)and2026bulletinunread,Q001verifiedwordingrepair.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S013":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C018","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C018","Precise claim, application and qualification":"Certain remote-worker records must be kept at the agency's registered premises; local files only on an individual worker's computer are insufficient under the Registrar's published interpretation.","Source ID and pinpoint":"S002 §13(12); S013 P1; administrative guidance explaining regulation"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S013"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C018","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2021bulletinregisteredpremisesrecords/local-filesrule checked asdatedinterpretation, notall2026remote-worklaw.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S013":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C019","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C019","Precise claim, application and qualification":"Agency experience is subject to the two-years-or-equivalent test; applicable examination pass mark is at least 75%, with official stated exam fee CAD $10.","Source ID and pinpoint":"S002 §§13, 15; S015 examination guide; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S015"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C019","status":"bounded_evidence_confidence_correction_UNSENT","note":"Two-year/75%/10exam claimsremainindexed-only;Q001currentqualification/chargehold.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S015":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C020","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C020","Precise claim, application and qualification":"Official published agency registration/renewal fee is CAD $290, plus CAD $290 per branch; these are filing/registration fees, not debtor service charges.","Source ID and pinpoint":"S020 ministerial notice items 1–2; S015; official indexed, current administrative corroboration"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S015","C_CA-P01-S020"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C020","status":"bounded_evidence_confidence_correction_UNSENT","note":"290agency/branchfees remainoldindexedministerial/guide evidence;Q001currentorderunreopened.","source_dispositions":{"C_CA-P01-S015":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S020":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C021","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C021","Precise claim, application and qualification":"A general collection-agency bond is no longer a current registration requirement, effective January 2018; financial reporting and trust compliance remain. No universal insurance exemption was established.","Source ID and pinpoint":"S012 P0; S002 §§13–14; insurance-specific inquiry unresolved"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C021","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletinbondremovalconfirmed historically; noallsecurity/insuranceexemptionorcurrentregistrationconditionfound.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C022","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C022","Precise claim, application and qualification":"Renewal requires a timely, complete package, including pertinent disclosures and certified financial/trust reporting; lapse may require stopping business and obtaining a new registration.","Source ID and pinpoint":"S002 §§13–14; S013 P1–P2"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S013"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C022","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2021renewalpackage/certifiedstatements/before-expiry/lapse/restartguidancechecked; currentruleandactualrenewalheld.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S013":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C023","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C023","Precise claim, application and qualification":"Registrar refusal, renewal refusal, conditions, suspension or revocation are separate administrative processes, with procedural/tribunal routes; convictions and monetary penalties are not equivalent to private refunds.","Source ID and pinpoint":"S001 §§8, 28–29.0.1; S008; S019; S028 P1"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S008","C_CA-P01-S019","C_CA-P01-S028"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C023","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical25cessation/Tribunalstay andcomplaintenforcement distinctionchecked; current8/29/APtiersunread.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S008":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S019":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S028":"official_complaint_template_checked_only"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C024","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C024","Precise claim, application and qualification":"Public read-only registration searches cover collection agencies, debt-settlement providers and debt purchasers; directory listing alone does not establish every contract's legality.","Source ID and pinpoint":"S030 directory category description; indexed/features only"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S030"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C024","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Publicdirectoryfeaturesonlyoriginalindexed; nofreshdirectorybody/entitylookuporcomplianceacceptance.","source_dispositions":{"C_CA-P01-S030":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C025","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C025","Precise claim, application and qualification":"Ontario lawyer professional-work exemption requires legally qualifying professional status/activity; Reg. 74 §18.1 reapplies provisions in certain outward-facing collection activities beyond regular professional practice.","Source ID and pinpoint":"S001 §2(1)(a); S002 §18.1(1)–(9); S007 amendment; carve-back subparagraph verification partial"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002","C_CA-P01-S007"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C025","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Lawyerexception/current18.1fullcarvebacksunread; labelsdo not proveactivity/licence.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S007":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C026","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C026","Precise claim, application and qualification":"Paralegals and their employees receive corresponding activity-dependent treatment under Reg. 74 §18.2; “paralegal” alone is not sufficient proof of an exemption.","Source ID and pinpoint":"S002 §18.2(1)–(4); S007 relevant amendments; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S007"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C026","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Paralegal18.2fullbodyunread; noactualprofessionalexception.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S007":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C027","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C027","Precise claim, application and qualification":"A qualifying non-profit registered charity providing credit counselling has a specified government-fee exemption, not a general exemption from agency or consumer rules.","Source ID and pinpoint":"S002 §19.1(1)–(2); S012 P0 (individual-registration repeal); indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C027","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Charity19.1governmentfeeexceptionoriginalindexedonly; currentlegacylanguageandnonprofitstatusheld.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C028","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C028","Precise claim, application and qualification":"Professional, Bank Act, insurer, credit-union, trust/loan-company and specified insolvency/court-appointed exceptions depend on exact capacity and statutory predicates.","Source ID and pinpoint":"S001 §2(1) specified clauses; S002 §§18.1–19.11; individual exclusions partially read; no blanket extension"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C028","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Actor-specificexemptions2/18-19unread; BIAadministratoralternative checked narrowly, no blanketprofessionexemption.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C029","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C029","Precise claim, application and qualification":"Creditors acting on their own lawfully held claims differ from independent collectors; debt purchasers and affiliate arrangements have specific conditions, including name and delinquency predicates in particular exemptions.","Source ID and pinpoint":"S001 §§1, 2, 5; S002 §§19.5–19.11; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C029","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletincomplete19.1.1own-creditornamequotationchecked with60day/no-contingency/no-directpayment/name/registered-only/prenoticeconditions; current19.5-19.11broaderbranchesheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C030","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C030","Precise claim, application and qualification":"Simply originating a refinance loan, providing general financial education or referring a debtor is not necessarily the statutory debtor-paid negotiation activity; combining these with paid negotiations can change classification.","Source ID and pinpoint":"S001 §1(1), §2.1; S036 HTML lines 37–46; inference from statutory functions, not a categorical safe harbour"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S036"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C030","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"HistoricalfunctionaldebtorpaiddefinitionandOSBadvicepolicychecked; nolender/referrer/paymentprocessorstatutorysafeharbour.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S036":"selected_federal_primary_gateway_or_policy_checked_application_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C031","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C031","Precise claim, application and qualification":"Another jurisdiction's authorization does not remove the Ontario-location gateway or establish satisfaction of Canadian corporate incorporation, Ontario premises and agency registration.","Source ID and pinpoint":"S001 §§2(0.1), 4, 11; S002 §13(10); applied conditional inference"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C031","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"HistoricalOntario-locationgatewaychecked; current11/13premises/foreignregistration/commercialconflictsunread.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C032","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C032","Precise claim, application and qualification":"Covered debt-settlement services require a prescribed written agreement delivered by the time it is entered into, in a form the debtor can retain.","Source ID and pinpoint":"S001 §16.5(1), (3)–(4); S003 lines 554–570"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C032","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.5written/prescribed/deliveredbyentry/retainabletextchecked andselectedRoyalAssentPDFagrees; currentcontractlawheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C033","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C033","Precise claim, application and qualification":"Only one unexpired debt-settlement agreement may ordinarily operate between agency and debtor; related additional agreements can be deemed part of it.","Source ID and pinpoint":"S001 §16.5(2); S003 lines 563–564"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C033","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.5(2)oneunexpiredagreement/deemedrelatedserviceagreementchecked; currentexpiry/amendmentterminationruleunread.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C034","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C034","Precise claim, application and qualification":"Disclosure must be clear, comprehensible and prominent; ambiguities allowing multiple reasonable interpretations favour the debtor.","Source ID and pinpoint":"S001 §16.5(3)–(5); S003 lines 565–573"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C034","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.5clear/comprehensible/prominent/retainable/debtor-favourambiguitytextchecked.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C035","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C035","Precise claim, application and qualification":"The applicable prescribed form dated November 24, 2014 must be the agreement's first page; selection depends on schedule versus one-time-settlement method.","Source ID and pinpoint":"S002 §27(1); S021/S024 repository identity; S022–S026 bodies unread"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S021","C_CA-P01-S022","C_CA-P01-S023","C_CA-P01-S024","C_CA-P01-S025","C_CA-P01-S026"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C035","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Bothofficialrepositorylistingsexist; current27model/dateandactual11351/11352e/fbodies remainunread, noformcompliance.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S021":"form_repository_metadata_checked_actual_form_body_unread","C_CA-P01-S022":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S023":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S024":"form_repository_metadata_checked_actual_form_body_unread","C_CA-P01-S025":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S026":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C036","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C036","Precise claim, application and qualification":"Regulation 74 §27 specifies agency identity, registration details, creditors, balances, services, costs, dates, signatures, conditions, termination and appropriate schedule/settlement terms.","Source ID and pinpoint":"S002 §27(1), indexed; S005 enacted amendments; actual private agreements unavailable"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C036","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Detailed27particulars/currentbodyunread; historical16.5generalprescriptiondoesnotsubstitutefullrule.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C037","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C037","Precise claim, application and qualification":"The agency must disclose whether it receives or will attempt to receive creditor funding connected to the debtor's arrangement. This does not itself prove such funding is lawful or unlawful in every structure.","Source ID and pinpoint":"S001 §16.5(1)(c); S002 §27(1) funding clause; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C037","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.5fundingsourcesdisclosurechecked; actualcreditoronlyfundingclassification/legalcompensationheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C038","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C038","Precise claim, application and qualification":"The schedule-payment model specifies a maximum of 15% of each creditor payment covered by the agreement.","Source ID and pinpoint":"S002 §27(1)(1)(ii); S005 corresponding amendment; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C038","status":"bounded_evidence_confidence_correction_UNSENT","note":"15%paymentmodelreg27bodyunread, originalindexedformulaonly;Q001legalentitlementhold despitearithmeticmatch.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C039","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C039","Precise claim, application and qualification":"The qualifying one-time settlement model specifies a maximum of 10% of each debt's amount at agreement signing, only for debts settled through the agency.","Source ID and pinpoint":"S002 §27(1)(2)(ii); S005; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C039","status":"bounded_evidence_confidence_correction_UNSENT","note":"10%signaturebalance/actuallysettledreg27bodyunread, originalindexedformulaonly;Q001legalentitlementhold.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C040","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C040","Precise claim, application and qualification":"Before charging on a creditor's debt the agency needs a debtor–creditor agreement for the settlement amount, at least one payment under it and written evidence possessed by the agency.","Source ID and pinpoint":"S002 §28(1)(a)–(c); S005; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C040","status":"bounded_evidence_confidence_correction_UNSENT","note":"Percreditoragreement/payment/writtenproofreg28bodyunread;Q001originalindexedpredicatesunverified.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C041","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C041","Precise claim, application and qualification":"Those fee predicates apply creditor by creditor in a multi-creditor agreement; performance on one debt does not unlock another's fee.","Source ID and pinpoint":"S002 §28(2); S005; indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C041","status":"bounded_evidence_confidence_correction_UNSENT","note":"Separatecreditorreg28(2)bodyunread; performanceononecannotbecertifiedasfeeentitlementfromnumbers.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C042","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C042","Precise claim, application and qualification":"Section 28(3) imposes the per-creditor allocation limit \n𝐴\n×\n𝐵\n/\n𝐶\nA×B/C, using the agreement-wide allowable services amount, particular creditor's debt and total debts.","Source ID and pinpoint":"S002 §28(3), variables A/B/C; S005; official indexed text"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C042","status":"bounded_evidence_confidence_correction_UNSENT","note":"A*B/Creg28(3)definitionunread; originalformula/denominator and50allocationhold, noalternateamountinvented.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C043","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C043","Precise claim, application and qualification":"Schedule-model agencies may charge a distinct one-time amount no greater than CAD $50 before the §28(1) performance conditions.","Source ID and pinpoint":"S002 §28(4); indexed; no extension to lump-sum-only method"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C043","status":"bounded_evidence_confidence_correction_UNSENT","note":"50scheduleexceptionreg28(4)unread;Q001noearnedfee/actualauthorizationcertification.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C044","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C044","Precise claim, application and qualification":"Dishonoured-cheque charges have a narrow §28(5) allowance tied to the actual financial-institution charge; unrelated administration, referral or setup labels have no automatic allowance.","Source ID and pinpoint":"S002 §28(5); S001 §16.6(1)–(2); indexed"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C044","status":"bounded_evidence_confidence_correction_UNSENT","note":"Dishonourreg28(5)bodyunread; historical16.6indirectpaymentconstraintchecked, noactualbankcharge.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C045","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C045","Precise claim, application and qualification":"Direct/indirect advance consumer compensation or security is prohibited except where prescribed; “payment” includes remuneration channelled to another person as a contract condition.","Source ID and pinpoint":"S001 §16.6(1)–(3); S003 lines 575–585"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C045","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.6(1)-(3)advancepayment/security/indirectthirdpartyconditionchecked; currentprescribedexceptionsheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C046","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C046","Precise claim, application and qualification":"A provider entering the settlement agreement before registration cannot become entitled to its services fee by later registering.","Source ID and pinpoint":"S001 §16.6(4); S003 lines 587–588"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C046","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.6(4)pre-registrationatagreementfeeconsequencechecked, noactualcontractdates/registrationfinding.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C047","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C047","Precise claim, application and qualification":"Unambiguously earned fees are excluded from §17(1) trust funds; other normal-course client/debtor money and future-service advances/deposits are included.","Source ID and pinpoint":"S002 §17(1); S012 PDF P2, lines 95–105 reproducing the provision"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C047","status":"bounded_evidence_confidence_correction_UNSENT","note":"2018bulletinexplicit17(1)includesadvancesandearnedfeeexception; currentreg17unread,Q002comparisoncalibration.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":["C_CA-P01-Q002"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C048","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C048","Precise claim, application and qualification":"Agencies maintain designated, separate trust accounts with restricted withdrawals; money may be withdrawn/disbursed only consistently with the terms on which it was received or another legal authorization.","Source ID and pinpoint":"S002 §17(2), (3), (5), (7); indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C048","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletin17(3)multipletrustaccountspriornotice/consentchecked; fullcurrent17(2)/(5)/(7)withdrawalsunread.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C049","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C049","Precise claim, application and qualification":"Trust funds received from an Ontario debtor generally must be deposited within two banking days.","Source ID and pinpoint":"S002 §17(4); indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C049","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Two-banking-day17(4)currentbodyunread, noactualfunds/depositdeadline.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C050","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C050","Precise claim, application and qualification":"A trust account elsewhere in Canada requires the particular creditor-instruction, equivalent-protection, Registrar-notice and written-consent conditions; no general foreign escrow safe harbour was proven.","Source ID and pinpoint":"S002 §17(4.2)–(4.3); S012 P1"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S012"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C050","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"2018bulletinoutsideOntariotrustnotification/consentchecked; fullcreditorinstruction/equivalence/current17(4.2)-(4.3)unread.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C051","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C051","Precise claim, application and qualification":"Trust remittances are generally due to the person entitled by the 20th day of the next month; sums below CAD $15 have a 90-day rule and qualifying six-month unclaimed amounts go to the Minister.","Source ID and pinpoint":"S002 §18(1)–(2); indexed; applicable creditor-as-agency exception requires fact check"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C051","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"20th/15/90day/sixmonth/agencycreditorremittancebranches remainindexed-only, noactualdistribution.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C052","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C052","Precise claim, application and qualification":"The current Ontario guide's description of future-service advances conflicts with the Registrar's express quotation of Reg. 74 §17(1); the guide is not treated as amending law.","Source ID and pinpoint":"S018 indexed; S012 P2; source-conflict finding"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S012","C_CA-P01-S018"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C052","status":"bounded_evidence_confidence_correction_UNSENT","note":"Q002onlyapparentindexedguideversus2018quote discrepancy; fullcurrentguideandregulationcontextunread.","source_dispositions":{"C_CA-P01-S012":"historical_official_bulletin_checked_not_current_regulation","C_CA-P01-S018":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q002"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C053","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C053","Precise claim, application and qualification":"Agencies must retain specified negotiation, agreement, communication, payment and advertising records for six years measured under Reg. 74 §30(3).","Source ID and pinpoint":"S002 §30(1)–(3); S008 listed breach; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S008"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C053","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Sixyear30recordsbodyunread; actualrecordeventtriggernotcertified.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S008":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C054","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C054","Precise claim, application and qualification":"The debtor can request a written performance report; failing to provide it within 15 days is a prescribed prohibited practice.","Source ID and pinpoint":"S002 §29(4); S005; S008; official indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S005","C_CA-P01-S008"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C054","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"15dayperformance29reportbodyunread; noactualrequestdeadline.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry","C_CA-P01-S008":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C055","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C055","Precise claim, application and qualification":"Creditor-authorization and creditor-refusal notices have specified 15-day obligations; the agency cannot imply creditors are guaranteed to cooperate.","Source ID and pinpoint":"S002 §29 relevant paragraphs; S005; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002","C_CA-P01-S005"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C055","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"15daycreditorauthorization/refusal29bodyunread; noauthoritytocertifycreditorcooperation.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S005":"amending_instrument_URL_failed_403_once_no_retry"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C056","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C056","Precise claim, application and qualification":"Debt-settlement practices include restrictions on misleading outcomes/timing, debtor incentives, unauthorized information disclosure and limitations on the debtor's creditor communications.","Source ID and pinpoint":"S001 §§16.3–16.4, 25; S002 §§26, 29; full paragraph-by-paragraph comparison partial"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C056","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.3/16.4/25generaldisclosures/falseinfo/adschecked; full26/29practicesandexceptionsunread.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C057","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C057","Precise claim, application and qualification":"An agency advertising “typical results” must apply the regulated historical measurement rather than an invented savings guarantee; Regulation 74 uses a six-to-twelve-month period from the preceding year.","Source ID and pinpoint":"S002 §26(1)–(2); official indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C057","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Advertising6-12monthmeasurement26unread; noactualmarketingclaim orperformanceaccepted.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C058","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C058","Precise claim, application and qualification":"Without giving a reason, a debtor may cancel from agreement entry until 10 days after receiving its written copy.","Source ID and pinpoint":"S001 §16.7(1); S003 lines 596–598"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C058","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.7(1)10daysafterwrittencopyrulechecked, actualcurrentlaw/calendarheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C059","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C059","Precise claim, application and qualification":"If the debtor never receives a copy satisfying §16.5(1), an additional cancellation right exists within one year after entering the agreement.","Source ID and pinpoint":"S001 §16.7(2); S003 lines 600–601"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C059","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.7(2)one-yearnoncompliant-copybranchchecked; actualdelivery/complianceheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C060","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C060","Precise claim, application and qualification":"Cancellation is governed by incorporated CPA 2002 §§92 and 94. Unless another regulation requires otherwise, notice can be oral or written; qualifying non-personally served written notice is deemed given when sent.","Source ID and pinpoint":"S001 §§16.7(3), 16.9; S009 §§92(1)–(5), 94(1); indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S009"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C060","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.7(3)/16.9incorporationchecked; CPA92/94completecurrentmethod/deemingsunread, noactualnoticeeffect.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S009":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C061","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C061","Precise claim, application and qualification":"Amending the agreement can restart the specified no-reason cancellation window on receipt of the amended written copy; a compliant amendment cannot retroactively extinguish previously acquired rights or completed creditor settlements.","Source ID and pinpoint":"S002 §27(2)–(5); indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C061","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Current27(2)-(5)amendment/newwindow/priorrightsbodyunread; no retroactiverightlossor18monthterminationfinding.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C062","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C062","Precise claim, application and qualification":"Valid agency-agreement cancellation affects specified related agreements, guarantees and financing; it expressly excludes independently entered creditor agreements from the related-agreement cancellation.","Source ID and pinpoint":"S001 §16.7(4)–(5); S003 lines 606–622"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C062","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.7(4)-(5)relatedagreements/guarantees/financingcancellation andcreditoragreementexceptionchecked.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C063","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C063","Precise claim, application and qualification":"A debtor cancelling under §16.7 may demand refund of payments under the agency agreement within one year after the agreement was entered into.","Source ID and pinpoint":"S001 §16.8(1); S003 lines 624–625"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C063","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.8one-yearfromagreementrefunddemand/allpaymentschecked; currentprescribedadministration/actualnoticesheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C064","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C064","Precise claim, application and qualification":"A person who made a payment prohibited by §16.6 has a separate refund-demand route requiring notice within one year of that payment.","Source ID and pinpoint":"S001 §16.6(5); S003 lines 590–594"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C064","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.6(5)debtororotherpayerone-yearfrompaymentillegalpaymentrefundroutechecked.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C065","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C065","Precise claim, application and qualification":"For either prescribed §16.6(5) or §16.8(1) demand, the agency must refund within 15 days after receiving the notice. Notice-giving and agency receipt are separate factual predicates.","Source ID and pinpoint":"S002 §28(6); S001 §§16.6(6), 16.8(2); directly surfaced official text \nontario.ca"},"coordinator_verification_status":"bounded_evidence_confidence_correction_UNSENT","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C065","status":"bounded_evidence_confidence_correction_UNSENT","note":"Current28(6)15daysafterreceiptbodyunread;Q001do not certifydeadlinefromindexedtext alone.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":["C_CA-P01-Q001"],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C066","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C066","Precise claim, application and qualification":"CDSSA contractual waivers/releases of Act/regulation protections are void.","Source ID and pinpoint":"S001 §22.1; indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C066","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Current22.1nonwaiverbodyunread; historicalcontractrestrictionsdonotsubstitutenonwaiverstatute.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C067","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C067","Precise claim, application and qualification":"CDSSA §16.10 grants a debtor a specific Superior Court of Justice action for prohibited settlement-service payments; successful relief is subject to the statutory inequity exception and judicial discretion for additional damages.","Source ID and pinpoint":"S001 §16.10(1)–(2); S003 lines 645–657"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C067","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.10SuperiorCourtprohibitedpayments/fullrecoveryunlessinequitable/MAYadditionalreliefchecked; noactualaward/pleading/civilprocedure.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C068","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C068","Precise claim, application and qualification":"Administrative remedies include licence actions and penalties; CDSSA §29.0.1 has an administrative penalty ceiling of CAD $10,000, distinct from the offence penalties of up to CAD $50,000 for individuals and CAD $250,000 for corporations.","Source ID and pinpoint":"S001 §§8, 28(2.2), 29.0.1; S008; S028 P1"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S008","C_CA-P01-S028"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C068","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical28offence50k/250k/twoyearslessdayandcomplaintnoticechecked; currentAP10000ceiling/tiersunread, noautomaticpenalty/refund.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S008":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S028":"official_complaint_template_checked_only"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C069","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C069","Precise claim, application and qualification":"Official complaint material recommends a first written attempt to resolve with the business and describes potential investigation/enforcement after a roughly three-week response stage. This is not a court judgment or individual reimbursement guarantee.","Source ID and pinpoint":"S028 P0–P1; S029 guidance indexed"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S028","C_CA-P01-S029"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C069","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Full2pagecomplainttemplate3weekresponse/ministryfollowupchecked, noactualcomplaintfilingdeadlineorrefundguarantee.","source_dispositions":{"C_CA-P01-S028":"official_complaint_template_checked_only","C_CA-P01-S029":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C070","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C070","Precise claim, application and qualification":"The bounded primary-source court/tribunal search located jurisdiction and decision repositories but no relevant CDSSA consumer-fee merits decision whose actual reasons could be read; no absence-of-case-law claim follows.","Source ID and pinpoint":"S038–S039; searches of Tribunal, Ontario court and CanLII indexes on 2026-10-26"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S038","C_CA-P01-S039"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C070","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Originalboundednegativecourt/Tribunalsearchnotrepeated; nofreshcase/reason/citator orabsenceclaim.","source_dispositions":{"C_CA-P01-S038":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S039":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C071","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C071","Precise claim, application and qualification":"The two required official front-page form families were located, but their content could not be read through the available delivery methods; any statement asserting full form-text compliance is unsupported.","Source ID and pinpoint":"S021–S026, exact repository and failed-download records"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S021","C_CA-P01-S022","C_CA-P01-S023","C_CA-P01-S024","C_CA-P01-S025","C_CA-P01-S026"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C071","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Repository11351/11352metadatafresh; allfouractualformsbodyoriginallyXFA/octetstreamunread, preservedwithoutretry.","source_dispositions":{"C_CA-P01-S021":"form_repository_metadata_checked_actual_form_body_unread","C_CA-P01-S022":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S023":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S024":"form_repository_metadata_checked_actual_form_body_unread","C_CA-P01-S025":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S026":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C072","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C072","Precise claim, application and qualification":"Official English and French enactment sources exist, but an exhaustive bilingual equivalence/meaning comparison was not performed.","Source ID and pinpoint":"S001–S002; S032–S033"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002","C_CA-P01-S032","C_CA-P01-S033"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C072","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"NoexhaustivecurrentFrenchEnglishlaw/formcomparison; selectedbilingual2013PDFdoesnotcure.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S032":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S033":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C073","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C073","Precise claim, application and qualification":"Ontario civil remedies against a settlement provider do not by themselves extinguish an underlying creditor debt or judgment. Creditors' own contracts and any statutory insolvency effect require separate predicates.","Source ID and pinpoint":"S001 §16.7(5); S003 lines 621–622; S034 BIA statutory contrast"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S003","C_CA-P01-S034"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C073","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Historical16.7(5)creditoragreementexceptionandBIAseparateproposalprocesschecked; noactualcreditorreleaseorjudgmentdischarge.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S003":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held","C_CA-P01-S034":"selected_federal_primary_gateway_or_policy_checked_application_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C074","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C074","Precise claim, application and qualification":"The federal BIA creates a distinct regulated bankruptcy/consumer-proposal system, administered through legally qualified trustees/administrators rather than a private settlement fee contract.","Source ID and pinpoint":"S034 §§13, 66.11–66.14; S035 relevant body"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S034","C_CA-P01-S035"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C074","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"CompleteBIA13and66.11-66.14gatewaytextchecked incl66.11(b)appointed/designeealternative. NofullBIA/eligibility/stay/discharge/tax/countrycoverage.","source_dispositions":{"C_CA-P01-S034":"selected_federal_primary_gateway_or_policy_checked_application_held","C_CA-P01-S035":"selected_federal_primary_gateway_or_policy_checked_application_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C075","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C075","Precise claim, application and qualification":"Federal OSB recognizes permissible independent debt-management advice but warns that non-LIT advisors misrepresenting their ability to offer/file insolvency proceedings raise separate concerns.","Source ID and pinpoint":"S036 HTML lines 37–58, 78–106; policy interpretation separated from S034 §202"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S034","C_CA-P01-S036"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C075","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"SelectedOSBpolicy2025-03-05read withlegaladvice/misrepresentation/delegation/66.11(b)footnote;202offencebodychecked. UnderlyingRules/directives/CompetitionActandquotedcaseunreopened.","source_dispositions":{"C_CA-P01-S034":"selected_federal_primary_gateway_or_policy_checked_application_held","C_CA-P01-S036":"selected_federal_primary_gateway_or_policy_checked_application_held"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C076","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C076","Precise claim, application and qualification":"Example 1: with signed debts CAD 4,800/3,600/1,600, the hypothetical 10% ceilings are CAD 480/360/160; only A triggers a fee because only A has creditor agreement, payment and written proof.","Source ID and pinpoint":"S002 §§27(1)(2), 28(1)–(3); computed application of C039–C042"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C076","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Existing10%480/360/160andcurrent480numericrelationshipsmatch; fullreg27/28legalbase/triggersunverified, noactualearning.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C077","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C077","Precise claim, application and qualification":"Example 1: CAD 2,400 creditor payment plus CAD 480 supportable agency fee equals CAD 2,880 outflow; assuming A's written full satisfaction, other starting balances sum to CAD 5,200. Valid cancellation/refund of CAD 480 reduces net outflow to CAD 2,400 without undoing A's settlement.","Source ID and pinpoint":"S001 §§16.7–16.8; S002 §§27–28; arithmetic and explicit assumptions"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C077","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Existing2880outflow/5200remaining/480refund/net2400relationships match; actualAfullsatisfaction/cancellation/demandheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C078","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C078","Precise claim, application and qualification":"Example 2: CAD 6,000/4,000 schedule balances with expected full payments permit an illustrative 15% total CAD 1,500, proportionally CAD 900/600; a proven CAD 500 creditor A payment supports at most CAD 75 percentage fee.","Source ID and pinpoint":"S002 §§27(1)(1), 28(1)–(3); arithmetic and explicit assumptions"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C078","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Existing1500/900/600/75mathmatches; regformulaandtheoreticalfuturepaymentsnotactualfeeentitlement.","source_dispositions":{"C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C079","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C079","Precise claim, application and qualification":"Example 2: with a permitted CAD 50 one-time schedule charge and CAD 75 triggered fee, CAD 500 creditor payment produces CAD 625 consumer outflow and CAD 9,500 nominal remaining debt; proper cancellation/refund of CAD 125 leaves CAD 500 net outflow.","Source ID and pinpoint":"S001 §§16.7–16.8; S002 §28(4), (6); arithmetic and conditional assumptions"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":["C_CA-P01-S001","C_CA-P01-S002"],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C079","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Existing625cash/9500remaining/125refund/net500mathmatches;50allocation,currentlaw,cancellation/timelydemand/earningsheld.","source_dispositions":{"C_CA-P01-S001":"not_reopened_original_access_status_and_scope_preserved","C_CA-P01-S002":"not_reopened_original_access_status_and_scope_preserved"},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_CA-P01-C080","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C_CA-P01-C080","Precise claim, application and qualification":"The remote-provider, claimed-charity, claimed-lawyer and notice scenarios are conditional decision trees; without missing factual predicates none can establish exemption, fee entitlement, cancellation deadline or creditor discharge.","Source ID and pinpoint":"C008, C014–C031, C058–C065, C073; illustrated applications only"},"coordinator_verification_status":"scoped_review_complete_remaining_source_currentness_application_holds","source_ids":[],"source_reference_normalization":"ExplicitP01context; expanded short IDs/ranges mechanically; rawresearchercells preserved. No verified-source inference.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_CA-P01-C080","status":"scoped_review_complete_remaining_source_currentness_application_holds","note":"Allfourqualitativebranchesread withmissingpredicates; no entity,professionaleligibility,noticeeffect,foreigncomplianceorautomaticdischargefinding.","source_dispositions":{},"finding_ids":[],"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"sources":[{"source_id":"C_CA-P01-S001","urls":["https://www.ontario.ca/laws/statute/90c14"],"researcher_record":{"ID":"C_CA-P01-S001","Issuer; primary document and full direct URL":"Ontario e-Laws, Collection and Debt Settlement Services Act, R.S.O. 1990, c. C.14. https://www.ontario.ca/laws/statute/90c14","Pinpoints; version/effective status; jurisdiction and scope":"§§1(1), 2(0.1), 2(1), 2.1, 4–5, 8, 11, 16.3–16.10, 22–22.1, 25, 28–29.0.1, 32; consolidation from 2023-12-06 to e-Laws currency date; Ontario collection/debtor-paid-settlement actors","Material examined, access and limits":"Official indexed excerpts, several section-specific queries; direct full-text open 403. Current e-Laws status shown; sections not reproduced in full remain dependent on indexing or S002/S003. \nontario.ca\n+3"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S001","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S002","urls":["https://www.ontario.ca/laws/regulation/900074"],"researcher_record":{"ID":"C_CA-P01-S002","Issuer; primary document and full direct URL":"Ontario e-Laws, General, R.R.O. 1990, Reg. 74. https://www.ontario.ca/laws/regulation/900074","Pinpoints; version/effective status; jurisdiction and scope":"§§12–19.11, 26–30; consolidation from 2022-03-01 to currency date; Ontario agency, collector, professional and debtor","Material examined, access and limits":"Official indexed excerpts, including §17 trust, §27 agreement, §28 fees and §29 conduct; direct complete page 403. Material subsection fragments read; complete current regulation not linearly read. \nontario.ca\n+3"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S002","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S003","urls":["https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55"],"researcher_record":{"ID":"C_CA-P01-S003","Issuer; primary document and full direct URL":"Ontario Legislative Assembly, Stronger Protection for Ontario Consumers Act, 2013, Bill 55 legislative text. https://www.ola.org/en/legislative-business/bills/parliament-40/session-2/bill-55","Pinpoints; version/effective status; jurisdiction and scope":"Debt-settlement amendments to §§1–2.1, 16.3–16.10, 22, 25, 28, 32; historic 2013 enactment text, not a substitute for today's consolidation","Material examined, access and limits":"Body read, especially HTML lines 500–731. Legislative display contains amendment markup and multiple text stages; historical wording cross-checked against indexed current S001 where available. \nLegislative Assembly of Ontario\n+2"},"coordinator_verification_status":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S003","status":"historical_legislative_text_and_observed_Royal_Assent_link_checked_currentness_held","read_ids":["CCA1-R001","CCA1-R002","CCA1-R003"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S004","urls":["https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014"],"researcher_record":{"ID":"C_CA-P01-S004","Issuer; primary document and full direct URL":"Ontario Gazette, Vol. 147, Issue 52, proclamation. https://www.ontario.ca/document/ontario-gazette-volume-147-issue-52-december-27-2014","Pinpoints; version/effective status; jurisdiction and scope":"Proclamation of debt-settlement amendments for 2015-07-01; Ontario transitional timing","Material examined, access and limits":"Official indexed excerpt, direct page 403; historic effective-date evidence, not a new 2026 event. \nontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S004","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S005","urls":["https://www.ontario.ca/laws/regulation/r14309"],"researcher_record":{"ID":"C_CA-P01-S005","Issuer; primary document and full direct URL":"Ontario e-Laws, O. Reg. 309/14 amending Regulation 74. https://www.ontario.ca/laws/regulation/r14309","Pinpoints; version/effective status; jurisdiction and scope":"Enacted 2014 regulation provisions inserting §27–30 rules; effective in relevant 2015 reform phase","Material examined, access and limits":"Official indexed excerpts, including §28 creditor-by-creditor triggers, promotional and contract requirements. Amendment must be read with current S002. \nontario.ca\n+2"},"coordinator_verification_status":"amending_instrument_URL_failed_403_once_no_retry","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S005","status":"amending_instrument_URL_failed_403_once_no_retry","read_ids":[],"new_failure":[{"source_id":"C_CA-P01-S005","url":"https://www.ontario.ca/laws/regulation/r14309","packet":"[internal evidence reference]","exact_message":"Failed to fetch https://www.ontario.ca/laws/regulation/r14309: (403) Forbidden","attempts_this_review":1,"original_report_status":"Official indexed excerpt, no full amendment instrument read; earlier direct-attempt count unspecified.","repeat_or_alternate_route_after_failure":false,"law_disproved":false}],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S006","urls":["https://www.ontario.ca/laws/regulation/r17460"],"researcher_record":{"ID":"C_CA-P01-S006","Issuer; primary document and full direct URL":"Ontario e-Laws, O. Reg. 460/17. https://www.ontario.ca/laws/regulation/r17460","Pinpoints; version/effective status; jurisdiction and scope":"2017 amendments, particularly Regulation 74 §13 business requirements and debt-collection exceptions; phased 2018 implementation","Material examined, access and limits":"Official indexed excerpts read; not the complete amending instrument. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S006","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S007","urls":["https://www.ontario.ca/laws/regulation/r18319"],"researcher_record":{"ID":"C_CA-P01-S007","Issuer; primary document and full direct URL":"Ontario e-Laws, O. Reg. 319/18. https://www.ontario.ca/laws/regulation/r18319","Pinpoints; version/effective status; jurisdiction and scope":"2018 lawyer/paralegal definitions and §§18.1–18.2 modifications; Ontario regulated professionals","Material examined, access and limits":"Official indexed excerpts read; complete current professional carve-backs only partly retrieved. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S007","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S008","urls":["https://www.ontario.ca/laws/regulation/170461"],"researcher_record":{"ID":"C_CA-P01-S008","Issuer; primary document and full direct URL":"Ontario e-Laws, O. Reg. 461/17, Administrative Penalties. https://www.ontario.ca/laws/regulation/170461","Pinpoints; version/effective status; jurisdiction and scope":"Prescribed CDSSA/Reg. 74 contraventions and penalties; current consolidation from 2022-03-01; public enforcement","Material examined, access and limits":"Indexed provisions/table entries read, including unlawful-refund and recordkeeping failures. Direct page inaccessible. \nontario.ca\n+2"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S008","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S009","urls":["https://www.ontario.ca/laws/statute/02c30"],"researcher_record":{"ID":"C_CA-P01-S009","Issuer; primary document and full direct URL":"Ontario e-Laws, Consumer Protection Act, 2002, S.O. 2002, c. 30, Sch. A. https://www.ontario.ca/laws/statute/02c30","Pinpoints; version/effective status; jurisdiction and scope":"§§1–2, 92(1)–(5), 94; current consolidation 2025-12-11 to currency date; Ontario consumer and expressly incorporated CDSSA notices","Material examined, access and limits":"Indexed operative excerpts read, including oral/written notice and when-sent deeming. Direct full page inaccessible. Applicable CPA exemptions and other remedies not exhaustively examined. \nontario.ca\n+2"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S009","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S010","urls":["https://www.ontario.ca/laws/statute/23c23"],"researcher_record":{"ID":"C_CA-P01-S010","Issuer; primary document and full direct URL":"Ontario e-Laws, Consumer Protection Act, 2023, S.O. 2023, c. 23, Sch. 1. https://www.ontario.ca/laws/statute/23c23","Pinpoints; version/effective status; jurisdiction and scope":"Enacted 2023-12-06; expressly not yet in force as checked; related prospective CDSSA §111 amendments","Material examined, access and limits":"Official indexed enactment/status text read; future cross-references excluded from present rules. Direct page inaccessible. \nontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S010","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S011","urls":["https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf"],"researcher_record":{"ID":"C_CA-P01-S011","Issuer; primary document and full direct URL":"Ontario ministry, Business Guide to Consumer Protection (2024). https://forms.mgcs.gov.on.ca/dataset/84a1187d-62f2-48a8-8310-d405c1941b9e/resource/8768fdd0-da01-49e4-aff4-9805002ad7bc/download/on00783e.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0–P4 (zero-based), especially P3 discussion of currently operative CPA; informational, not enacted law","Material examined, access and limits":"PDF text layer read on relevant pages; 20-page PDF, not all pages read. Published 2024; does not independently establish later proclamation. \nforms.mgcs.gov.on.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S011","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S012","urls":["https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf"],"researcher_record":{"ID":"C_CA-P01-S012","Issuer; primary document and full direct URL":"Ontario Registrar, Registrar's Bulletin — January 2018 (dated Jan. 5). https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0–P2: 2018 commencement, bonds, individuals, Reg. 74 §17(1), trust and financial statements; historical official administration","Material examined, access and limits":"PDF text layer/body read P0–P2. Bulletin not itself an amendment; identifies January/July 2018 effective events. File-name 2023 date not treated as 2018 legal commencement. \nJanuary 2018\n+1"},"coordinator_verification_status":"historical_official_bulletin_checked_not_current_regulation","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S012","status":"historical_official_bulletin_checked_not_current_regulation","read_ids":["CCA1-R004","CCA1-R005"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S013","urls":["https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf"],"researcher_record":{"ID":"C_CA-P01-S013","Issuer; primary document and full direct URL":"Ontario Registrar, Registrar's Bulletin — September 2021 (dated Sept. 24). https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0–P2; Reg. 74 §§13(6), 13(10), 13(12), 14, 16; remote work, records, renewals","Material examined, access and limits":"PDF body/text layer read P0–P2. Administrative guidance; historical date and supersession potential disclosed. \nSeptember 2021\n+1"},"coordinator_verification_status":"historical_official_bulletin_checked_not_current_regulation","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S013","status":"historical_official_bulletin_checked_not_current_regulation","read_ids":["CCA1-R006","CCA1-R007"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S014","urls":["https://www.ontario.ca/page/guide-collection-agencies"],"researcher_record":{"ID":"C_CA-P01-S014","Issuer; primary document and full direct URL":"Ontario ministry, A guide for collection agencies. https://www.ontario.ca/page/guide-collection-agencies","Pinpoints; version/effective status; jurisdiction and scope":"Registration/conduct overview; page updated around 2024-09-25; Ontario agencies and collectors","Material examined, access and limits":"Indexed extracts read; direct 403. Page update is not an enactment. Contains the agency/individual distinction. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S014","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S015","urls":["https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency"],"researcher_record":{"ID":"C_CA-P01-S015","Issuer; primary document and full direct URL":"Ontario ministry, Apply to register a collection agency. https://www.ontario.ca/document/guide-collection-agencies/apply-register-collection-agency","Pinpoints; version/effective status; jurisdiction and scope":"Agency/branch application, place, examination, CAD fees; published around 2023 and retrieved 2026","Material examined, access and limits":"Indexed extracts read, including $10 examination/75%; direct 403; no application submitted. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S015","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S016","urls":["https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration"],"researcher_record":{"ID":"C_CA-P01-S016","Issuer; primary document and full direct URL":"Ontario ministry, Renew a collection agency registration. https://www.ontario.ca/document/guide-collection-agencies/renew-collection-agency-registration","Pinpoints; version/effective status; jurisdiction and scope":"Renewal procedures, documentary requirements and fees; guidance not statute","Material examined, access and limits":"Indexed extract/metadata, direct 403; more reliable detailed renewal body S013 P1–P2. \nInternal Error"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S016","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S017","urls":["https://www.ontario.ca/document/guide-collection-agencies/conducting-business"],"researcher_record":{"ID":"C_CA-P01-S017","Issuer; primary document and full direct URL":"Ontario ministry, Conducting business. https://www.ontario.ca/document/guide-collection-agencies/conducting-business","Pinpoints; version/effective status; jurisdiction and scope":"Agency names, incorporation, changes and conduct; Ontario current guidance","Material examined, access and limits":"Indexed excerpts read, direct full page not obtained. \nontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S017","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S018","urls":["https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds"],"researcher_record":{"ID":"C_CA-P01-S018","Issuer; primary document and full direct URL":"Ontario ministry, Trust accounts and trust funds. https://www.ontario.ca/document/guide-collection-agencies/trust-accounts-and-trust-funds","Pinpoints; version/effective status; jurisdiction and scope":"Trust handling; ministry explanatory guidance","Material examined, access and limits":"Indexed excerpt read, including apparently conflicting advance-payment description; direct body inaccessible. Explicitly not relied on over enacted Reg. 74 §17(1). \nontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S018","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S019","urls":["https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement"],"researcher_record":{"ID":"C_CA-P01-S019","Issuer; primary document and full direct URL":"Ontario ministry, Compliance and enforcement. https://www.ontario.ca/document/guide-collection-agencies/compliance-and-enforcement","Pinpoints; version/effective status; jurisdiction and scope":"Registrar actions, administrative penalties and business compliance","Material examined, access and limits":"Indexed excerpts read; no named case or disciplinary action looked up. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S019","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S020","urls":["https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other"],"researcher_record":{"ID":"C_CA-P01-S020","Issuer; primary document and full direct URL":"Ontario Gazette, Vol. 150, Issue 52, governmental notice of fees (Dec. 30, 2017). https://www.ontario.ca/document/ontario-gazette-volume-150-issue-52-december-30-2017/government-notices-other","Pinpoints; version/effective status; jurisdiction and scope":"Ministerial registration charge: CAD $290 agency application/renewal; CAD $290 branch; fees transferred to ministerial orders effective 2018","Material examined, access and limits":"Official indexed body excerpts read; direct current 2026 order not independently opened; current guide corroboration S015. Not consumer fee authority. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S020","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S021","urls":["https://forms.mgcs.gov.on.ca/en/dataset/11351"],"researcher_record":{"ID":"C_CA-P01-S021","Issuer; primary document and full direct URL":"Ontario Central Forms Repository, Settling Debt — What You Need to Know, Form 11351. https://forms.mgcs.gov.on.ca/en/dataset/11351","Pinpoints; version/effective status; jurisdiction and scope":"Prescribed first page for one-time settlement method; dated 2014-11-24 under Reg. 74 §27","Material examined, access and limits":"Full repository listing read, including English/French files; form content itself unresolved, S022–S023. \nCentral Forms Repository (CFR)"},"coordinator_verification_status":"form_repository_metadata_checked_actual_form_body_unread","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S021","status":"form_repository_metadata_checked_actual_form_body_unread","read_ids":["CCA1-R017"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S022","urls":["https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf"],"researcher_record":{"ID":"C_CA-P01-S022","Issuer; primary document and full direct URL":"Ontario, Form 11351e, English PDF. https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/9f6e16a4-1952-4222-8572-5109b537a609/download/11351e.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0; official English front-page form; version/date required by §27 is 2014-11-24","Material examined, access and limits":"Unread substantive form: PDF extraction returned only Adobe Reader/XFA-compatibility text. No visual inspection; cannot certify actual passages. \nforms.mgcs.gov.on.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S022","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S023","urls":["https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf"],"researcher_record":{"ID":"C_CA-P01-S023","Issuer; primary document and full direct URL":"Ontario, Form 11351f, French PDF. https://forms.mgcs.gov.on.ca/dataset/5ee842f2-05a8-4971-bad2-c0469ee5d9b5/resource/fa9f0e1d-01a2-440c-8507-cc5dcfb5c824/download/11351f.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0; official French equivalent","Material examined, access and limits":"Unread substantive form, same XFA placeholder; no translated body inferred. \nforms.mgcs.gov.on.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S023","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S024","urls":["https://forms.mgcs.gov.on.ca/en/dataset/11352"],"researcher_record":{"ID":"C_CA-P01-S024","Issuer; primary document and full direct URL":"Ontario Central Forms Repository, Repaying Debt and Credit Counselling — What You Need to Know, Form 11352. https://forms.mgcs.gov.on.ca/en/dataset/11352","Pinpoints; version/effective status; jurisdiction and scope":"Prescribed first page for schedule method; §27; dated 2014-11-24","Material examined, access and limits":"Repository listing/body read, English/French files identified; actual form content unresolved. \nCentral Forms Repository (CFR)"},"coordinator_verification_status":"form_repository_metadata_checked_actual_form_body_unread","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S024","status":"form_repository_metadata_checked_actual_form_body_unread","read_ids":["CCA1-R018"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S025","urls":["https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf"],"researcher_record":{"ID":"C_CA-P01-S025","Issuer; primary document and full direct URL":"Ontario, Form 11352e, English PDF. https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/968cfa1c-3549-4273-a584-f109fc3ac342/download/11352e.pdf","Pinpoints; version/effective status; jurisdiction and scope":"Prescribed schedule disclosure, PDF pages not determinable","Material examined, access and limits":"Failed fetch, unsupported application/octet-stream; no body read. No repeat of unchanged failed fetch. \nInternal Error"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S025","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S026","urls":["https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/9bef090f-71a9-4301-bf4f-e82c49876241/download/11352f.pdf"],"researcher_record":{"ID":"C_CA-P01-S026","Issuer; primary document and full direct URL":"Ontario, Form 11352f, French PDF. https://forms.mgcs.gov.on.ca/dataset/dfe09870-3a5d-43c4-961b-8db625e8085b/resource/9bef090f-71a9-4301-bf4f-e82c49876241/download/11352f.pdf","Pinpoints; version/effective status; jurisdiction and scope":"Official French schedule disclosure; pages not determinable","Material examined, access and limits":"Failed fetch, unsupported application/octet-stream; no body/translation read. \nInternal Error"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S026","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S027","urls":["https://files.ontario.ca/collection_and_debt_settlement_services_act_disclosure_statement.pdf"],"researcher_record":{"ID":"C_CA-P01-S027","Issuer; primary document and full direct URL":"Ontario ministry, Debt Collection: Information About Your Rights. https://files.ontario.ca/collection_and_debt_settlement_services_act_disclosure_statement.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0, dated 2018-03-01, creditor-side initial collector notice","Material examined, access and limits":"Complete one-page PDF text read. Crucially not either prescribed debt-settlement-agreement first page; excluded as substitute. \nfiles.ontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S027","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S028","urls":["https://files.ontario.ca/cpo_0008-17_cpo_notices_debt_settlement.pdf"],"researcher_record":{"ID":"C_CA-P01-S028","Issuer; primary document and full direct URL":"Ontario ministry, Complaint Notice: Debt Settlement Service. https://files.ontario.ca/cpo_0008-17_cpo_notices_debt_settlement.pdf","Pinpoints; version/effective status; jurisdiction and scope":"PDF P0–P1; preliminary complaint and enforcement process","Material examined, access and limits":"Complete two-page text read. Administrative template, not a court holding or a source of private statutory compensation. \nfiles.ontario.ca"},"coordinator_verification_status":"official_complaint_template_checked_only","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S028","status":"official_complaint_template_checked_only","read_ids":["CCA1-R016"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S029","urls":["https://www.ontario.ca/page/filing-consumer-complaint"],"researcher_record":{"ID":"C_CA-P01-S029","Issuer; primary document and full direct URL":"Ontario ministry, Filing a consumer complaint. https://www.ontario.ca/page/filing-consumer-complaint","Pinpoints; version/effective status; jurisdiction and scope":"Public read-only complaint pathway and prerequisites","Material examined, access and limits":"Indexed excerpts only, direct 403; no filing, business contact or case inquiry. \nInternal Error"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S029","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S030","urls":["https://www.ontario.ca/page/search-business-licence-registration-or-appointment"],"researcher_record":{"ID":"C_CA-P01-S030","Issuer; primary document and full direct URL":"Ontario public business registration directory. https://www.ontario.ca/page/search-business-licence-registration-or-appointment","Pinpoints; version/effective status; jurisdiction and scope":"Collection agency/debt settlement provider types and public registration fields; Ontario","Material examined, access and limits":"Official indexed discovery/features, direct public page not fully read; no entity searched. \nontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S030","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S031","urls":["https://www.ontario.ca/files/2026-03/mpbsdp-registrars-bulletin-place-of-business-requirements-en-2026-02-26.pdf"],"researcher_record":{"ID":"C_CA-P01-S031","Issuer; primary document and full direct URL":"Ontario ministry, Registrar bulletin concerning place-of-business requirements, dated 2026-02-26. https://www.ontario.ca/files/2026-03/mpbsdp-registrars-bulletin-place-of-business-requirements-en-2026-02-26.pdf","Pinpoints; version/effective status; jurisdiction and scope":"Apparent recent guidance relevant to Reg. 74 §13(10), not enacted regulation","Material examined, access and limits":"Discovery only / PDF fetch 403. No proposition about the bulletin's actual operative text adopted. \nInternal Error"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S031","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S032","urls":["https://www.ontario.ca/lois/loi/90c14"],"researcher_record":{"ID":"C_CA-P01-S032","Issuer; primary document and full direct URL":"Ontario e-Laws, French official statute: Loi sur les services de recouvrement et de règlement de dette. https://www.ontario.ca/lois/loi/90c14","Pinpoints; version/effective status; jurisdiction and scope":"French version of S001; same provincial subject and legal currency issue","Material examined, access and limits":"Official indexed title/excerpts, complete French law not read; no certified bilingual discrepancy review."},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S032","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S033","urls":["https://www.ontario.ca/lois/reglement/900074"],"researcher_record":{"ID":"C_CA-P01-S033","Issuer; primary document and full direct URL":"Ontario e-Laws, French Reg. 74: Dispositions générales. https://www.ontario.ca/lois/reglement/900074","Pinpoints; version/effective status; jurisdiction and scope":"French version of S002, including §§17, 18.1–19.11 and 27–28","Material examined, access and limits":"Official indexed excerpts only; language-specific contract/exception wording not exhaustively compared. \nontario.ca\n+1"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S033","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S034","urls":["https://laws-lois.justice.gc.ca/eng/acts/B-3/FullText.html"],"researcher_record":{"ID":"C_CA-P01-S034","Issuer; primary document and full direct URL":"Government of Canada, Bankruptcy and Insolvency Act, R.S.C. 1985, c. B-3. https://laws-lois.justice.gc.ca/eng/acts/B-3/FullText.html","Pinpoints; version/effective status; jurisdiction and scope":"§§2, 13, 66.11–66.14, 66.26, 202(1)(a); federal consolidation current to 2026-09-30, last amendment 2026-06-20","Material examined, access and limits":"Official statutory HTML body read in material sections. English version used; French statutory wording and wider insolvency provisions not exhaustively reviewed. \nlaws-lois.justice.gc.ca\n+2"},"coordinator_verification_status":"selected_federal_primary_gateway_or_policy_checked_application_held","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S034","status":"selected_federal_primary_gateway_or_policy_checked_application_held","read_ids":["CCA1-R008","CCA1-R009","CCA1-R010","CCA1-R011"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S035","urls":["https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee"],"researcher_record":{"ID":"C_CA-P01-S035","Issuer; primary document and full direct URL":"Canada OSB, What is a Licensed Insolvency Trustee? https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/what-licensed-insolvency-trustee","Pinpoints; version/effective status; jurisdiction and scope":"Federal LIT authority, insolvency proceedings, oversight; web page modified 2016-06-05","Material examined, access and limits":"Relevant page body read. Informational source subordinate to BIA; older publication date disclosed. \nised-isde.canada.ca"},"coordinator_verification_status":"selected_federal_primary_gateway_or_policy_checked_application_held","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S035","status":"selected_federal_primary_gateway_or_policy_checked_application_held","read_ids":["CCA1-R012"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S036","urls":["https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/adverse-effects-of-the-debt-advisory-marketplace-on-the-insolvency-system"],"researcher_record":{"ID":"C_CA-P01-S036","Issuer; primary document and full direct URL":"Canada OSB, The Adverse Effects of the Debt Advisory Marketplace on the Insolvency System. https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/adverse-effects-of-the-debt-advisory-marketplace-on-the-insolvency-system","Pinpoints; version/effective status; jurisdiction and scope":"Federal regulator's debt-advisor/lead-generator positions, especially body ¶-equivalent HTML lines 37–58, 78–106, 108–144, 176–205, 237–263","Material examined, access and limits":"Material body read; OSB policy/interpretation is distinguished from enacted offence elements. Not a finding about any named firm. \nised-isde.canada.ca"},"coordinator_verification_status":"selected_federal_primary_gateway_or_policy_checked_application_held","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S036","status":"selected_federal_primary_gateway_or_policy_checked_application_held","read_ids":["CCA1-R013","CCA1-R014","CCA1-R015"],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S037","urls":["https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals"],"researcher_record":{"ID":"C_CA-P01-S037","Issuer; primary document and full direct URL":"Canada OSB, You Owe Money — Consumer Proposals. https://www.ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/you-owe-money/you-owe-money-consumer-proposals","Pinpoints; version/effective status; jurisdiction and scope":"Federal statutory proposal distinction and LIT administration","Material examined, access and limits":"Official indexed excerpt, not a complete process review. \nConsumer proposals"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S037","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S038","urls":["https://tribunalsontario.ca/lat-gs/laws-rules-and-decisions/"],"researcher_record":{"ID":"C_CA-P01-S038","Issuer; primary document and full direct URL":"Ontario Tribunals, Licence Appeal Tribunal, Laws, rules and decisions. https://tribunalsontario.ca/lat-gs/laws-rules-and-decisions/","Pinpoints; version/effective status; jurisdiction and scope":"Jurisdiction listing includes CDSSA; administrative appeal decision research doorway","Material examined, access and limits":"Page text surfaced/read via search, no material CDSSA merits decision located in bounded case searches. \ntribunalsontario.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S038","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S039","urls":["https://www.ontariocourts.ca/scj/about-the-court-2/decisions-of-the-court/"],"researcher_record":{"ID":"C_CA-P01-S039","Issuer; primary document and full direct URL":"Ontario Superior Court of Justice, Decisions of the Court. https://www.ontariocourts.ca/scj/about-the-court-2/decisions-of-the-court/","Pinpoints; version/effective status; jurisdiction and scope":"Court judgment repository/currency and official-record qualifications","Material examined, access and limits":"Official page body excerpt read: CanLII is not exhaustive and the signed court-file original controls. No CDSSA fee decision holding adopted. \nOntario Superior Court of Justice"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S039","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_CA-P01-S040","urls":["https://www.ontariocourts.ca/scj/areas-of-law/small-claims-court/finding-legal-help/"],"researcher_record":{"ID":"C_CA-P01-S040","Issuer; primary document and full direct URL":"Ontario Superior Court of Justice, Finding Legal Help and Representation. https://www.ontariocourts.ca/scj/areas-of-law/small-claims-court/finding-legal-help/","Pinpoints; version/effective status; jurisdiction and scope":"Read-only legal-help options","Material examined, access and limits":"Official page text surfaced/read; no referral performed. \nontariocourts.ca"},"coordinator_verification_status":"not_reopened_original_access_status_and_scope_preserved","literal_reconciliation":"Restored source table7 verbatim from complete raw; no header THEAD required. No new source access or legal verification.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_CA-P01-S040","status":"not_reopened_original_access_status_and_scope_preserved","read_ids":[],"new_failure":[],"researcher_record_unchanged":true,"full_current_operative_body_or_actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"coverage":[{"topic":"A1. Actual Ontario enactment","researcher_record":{"Subissue":"A1. Actual Ontario enactment","Status":"Answered, source-access qualified","Finding location; exact claims":"A; C001–C003","Missing evidence / next focused step":"Direct full e-Laws current body inaccessible; retrieve complete official text independently"},"claim_ids":["C_CA-P01-C001","C_CA-P01-C002","C_CA-P01-C003"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":1,"raw_table_index":13,"topic":"A1. Actual Ontario enactment","researcher_status_preserved":"Answered, source-access qualified","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C001","C_CA-P01-C002","C_CA-P01-C003"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A2. Consolidation versus commencement","researcher_record":{"Subissue":"A2. Consolidation versus commencement","Status":"Partial","Finding location; exact claims":"A; C002–C005","Missing evidence / next focused step":"Recheck individual amendments and every relevant commencement table from complete current consolidation"},"claim_ids":["C_CA-P01-C002","C_CA-P01-C003","C_CA-P01-C004","C_CA-P01-C005"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":2,"raw_table_index":13,"topic":"A2. Consolidation versus commencement","researcher_status_preserved":"Partial","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C002","C_CA-P01-C003","C_CA-P01-C004","C_CA-P01-C005"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A3. 2023 replacement not yet force","researcher_record":{"Subissue":"A3. 2023 replacement not yet force","Status":"Answered","Finding location; exact claims":"A/D; C003","Missing evidence / next focused step":"Recheck proclamation immediately before eventual publication"},"claim_ids":["C_CA-P01-C003"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":3,"raw_table_index":13,"topic":"A3. 2023 replacement not yet force","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C003"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A4. Provincial authority versus federal insolvency","researcher_record":{"Subissue":"A4. Provincial authority versus federal insolvency","Status":"Answered within narrow boundary","Finding location; exact claims":"A/E; C012, C074–C075","Missing evidence / next focused step":"Broader federal agency/bank and national regimes deferred"},"claim_ids":["C_CA-P01-C012","C_CA-P01-C074","C_CA-P01-C075"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":4,"raw_table_index":13,"topic":"A4. Provincial authority versus federal insolvency","researcher_status_preserved":"Answered within narrow boundary","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C012","C_CA-P01-C074","C_CA-P01-C075"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A5. Consumer versus business purpose","researcher_record":{"Subissue":"A5. Consumer versus business purpose","Status":"Partial","Finding location; exact claims":"A; C010–C011","Missing evidence / next focused step":"Test individual sole proprietor, guarantor and debtor-side service under every applicable clause"},"claim_ids":["C_CA-P01-C010","C_CA-P01-C011"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":5,"raw_table_index":13,"topic":"A5. Consumer versus business purpose","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C010","C_CA-P01-C011"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A6. Provider and debtor definitions","researcher_record":{"Subissue":"A6. Provider and debtor definitions","Status":"Answered, source-access qualified","Finding location; exact claims":"A/B; C006–C007","Missing evidence / next focused step":"Full definition/amendment comparison"},"claim_ids":["C_CA-P01-C006","C_CA-P01-C007"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":6,"raw_table_index":13,"topic":"A6. Provider and debtor definitions","researcher_status_preserved":"Answered, source-access qualified","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C006","C_CA-P01-C007"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A7. Remote/out-of-province location","researcher_record":{"Subissue":"A7. Remote/out-of-province location","Status":"Answered as conditional gateway","Finding location; exact claims":"A/F4; C008, C031","Missing evidence / next focused step":"Particular contracting entity/location facts and conflicts analysis in later pass"},"claim_ids":["C_CA-P01-C008","C_CA-P01-C031"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":7,"raw_table_index":13,"topic":"A7. Remote/out-of-province location","researcher_status_preserved":"Answered as conditional gateway","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C008","C_CA-P01-C031"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A8. Anti-avoidance","researcher_record":{"Subissue":"A8. Anti-avoidance","Status":"Answered","Finding location; exact claims":"A; C009","Missing evidence / next focused step":"Real-world factual application intentionally excluded"},"claim_ids":["C_CA-P01-C009"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":8,"raw_table_index":13,"topic":"A8. Anti-avoidance","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C009"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A9. Indigenous/local/special jurisdiction overlay","researcher_record":{"Subissue":"A9. Indigenous/local/special jurisdiction overlay","Status":"Unresolved","Finding location; exact claims":"Jurisdiction note","Missing evidence / next focused step":"Separately research any federal-Indigenous, reserve, municipal or local overlay; no silent Ontario-wide closure"},"claim_ids":[],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":9,"raw_table_index":13,"topic":"A9. Indigenous/local/special jurisdiction overlay","researcher_status_preserved":"Unresolved","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"A10. English/French/version comparison","researcher_record":{"Subissue":"A10. English/French/version comparison","Status":"Partial","Finding location; exact claims":"Source register; C013, C072","Missing evidence / next focused step":"Complete bilingual enactment and form-text comparison required"},"claim_ids":["C_CA-P01-C013","C_CA-P01-C072"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":13,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":10,"raw_table_index":13,"topic":"A10. English/French/version comparison","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C013","C_CA-P01-C072"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B1. Debtor-paid negotiator","researcher_record":{"Subissue":"B1. Debtor-paid negotiator","Status":"Answered","Finding location; exact claims":"B; C006, C014","Missing evidence / next focused step":"Apply fee-source and activity facts for a real model"},"claim_ids":["C_CA-P01-C006","C_CA-P01-C014"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":11,"raw_table_index":14,"topic":"B1. Debtor-paid negotiator","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C006","C_CA-P01-C014"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B2. Creditor collector/purchased debt","researcher_record":{"Subissue":"B2. Creditor collector/purchased debt","Status":"Answered at classification level","Finding location; exact claims":"B; C007, C029","Missing evidence / next focused step":"Full collector conduct expressly deferred"},"claim_ids":["C_CA-P01-C007","C_CA-P01-C029"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":12,"raw_table_index":14,"topic":"B2. Creditor collector/purchased debt","researcher_status_preserved":"Answered at classification level","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C007","C_CA-P01-C029"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B3. Payment-only distributor","researcher_record":{"Subissue":"B3. Payment-only distributor","Status":"Partial","Finding location; exact claims":"B/C; C006, C030, C047–C051","Missing evidence / next focused step":"Examine precise fee recipient, ownership of funds and any separately regulated payment-services activity"},"claim_ids":["C_CA-P01-C006","C_CA-P01-C030","C_CA-P01-C047","C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050","C_CA-P01-C051"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":13,"raw_table_index":14,"topic":"B3. Payment-only distributor","researcher_status_preserved":"Partial","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C006","C_CA-P01-C030","C_CA-P01-C047","C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050","C_CA-P01-C051"],"finding_ids":["C_CA-P01-Q002"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B4. Creditor's own debt","researcher_record":{"Subissue":"B4. Creditor's own debt","Status":"Partial","Finding location; exact claims":"B; C029","Missing evidence / next focused step":"Analyze affiliate/assignment/own-name predicates with complete §§19.5–19.11 text"},"claim_ids":["C_CA-P01-C029"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":14,"raw_table_index":14,"topic":"B4. Creditor's own debt","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C029"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B5. Refinancing lender","researcher_record":{"Subissue":"B5. Refinancing lender","Status":"Partial","Finding location; exact claims":"B; C030","Missing evidence / next focused step":"Lender/broker licensing elsewhere, and combined loan–negotiation business model"},"claim_ids":["C_CA-P01-C030"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":15,"raw_table_index":14,"topic":"B5. Refinancing lender","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C030"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B6. LIT/insolvency professional","researcher_record":{"Subissue":"B6. LIT/insolvency professional","Status":"Answered as boundary","Finding location; exact claims":"B/E; C028, C074","Missing evidence / next focused step":"Verify exact activity/capacity before invoking CDSSA §2 exception"},"claim_ids":["C_CA-P01-C028","C_CA-P01-C074"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":16,"raw_table_index":14,"topic":"B6. LIT/insolvency professional","researcher_status_preserved":"Answered as boundary","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C028","C_CA-P01-C074"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B7. Ontario lawyers","researcher_record":{"Subissue":"B7. Ontario lawyers","Status":"Partial","Finding location; exact claims":"B/F6; C025","Missing evidence / next focused step":"Read all Reg. 74 §18.1(3)–(9) clauses against Law Society authority"},"claim_ids":["C_CA-P01-C025"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":17,"raw_table_index":14,"topic":"B7. Ontario lawyers","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C025"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B8. Paralegals","researcher_record":{"Subissue":"B8. Paralegals","Status":"Partial","Finding location; exact claims":"B/F6; C026","Missing evidence / next focused step":"Same for §18.2; exact client engagement"},"claim_ids":["C_CA-P01-C026"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":18,"raw_table_index":14,"topic":"B8. Paralegals","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C026"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B9. Registered-charity counsellors","researcher_record":{"Subissue":"B9. Registered-charity counsellors","Status":"Answered for narrow fee exemption; partial overall","Finding location; exact claims":"B/F3; C027","Missing evidence / next focused step":"Verify §19.1 legacy language and any other specific charity exemption"},"claim_ids":["C_CA-P01-C027"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":19,"raw_table_index":14,"topic":"B9. Registered-charity counsellors","researcher_status_preserved":"Answered for narrow fee exemption; partial overall","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C027"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B10. Banks/insurers/trusts/credit unions","researcher_record":{"Subissue":"B10. Banks/insurers/trusts/credit unions","Status":"Partial","Finding location; exact claims":"B; C028","Missing evidence / next focused step":"Actor-specific statutory definitions and regulated-business capacity"},"claim_ids":["C_CA-P01-C028"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":20,"raw_table_index":14,"topic":"B10. Banks/insurers/trusts/credit unions","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C028"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B11. Agencies/collectors/branches","researcher_record":{"Subissue":"B11. Agencies/collectors/branches","Status":"Answered","Finding location; exact claims":"B; C014–C017, C020","Missing evidence / next focused step":"Detailed branch approvals and individual identification obligations"},"claim_ids":["C_CA-P01-C014","C_CA-P01-C015","C_CA-P01-C016","C_CA-P01-C017","C_CA-P01-C020"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":21,"raw_table_index":14,"topic":"B11. Agencies/collectors/branches","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C014","C_CA-P01-C015","C_CA-P01-C016","C_CA-P01-C017","C_CA-P01-C020"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B12. Nonresident corporations","researcher_record":{"Subissue":"B12. Nonresident corporations","Status":"Partial","Finding location; exact claims":"B/F4; C016–C017, C031","Missing evidence / next focused step":"Incorporation and registration pathways for particular entity structures"},"claim_ids":["C_CA-P01-C016","C_CA-P01-C017","C_CA-P01-C031"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":22,"raw_table_index":14,"topic":"B12. Nonresident corporations","researcher_status_preserved":"Partial","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C016","C_CA-P01-C017","C_CA-P01-C031"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B13. Financial/experience/exam qualifications","researcher_record":{"Subissue":"B13. Financial/experience/exam qualifications","Status":"Partial","Finding location; exact claims":"B; C019, C021–C022","Missing evidence / next focused step":"Full current application form; insurance/security tests and personal eligibility"},"claim_ids":["C_CA-P01-C019","C_CA-P01-C021","C_CA-P01-C022"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":23,"raw_table_index":14,"topic":"B13. Financial/experience/exam qualifications","researcher_status_preserved":"Partial","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C019","C_CA-P01-C021","C_CA-P01-C022"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B14. Official fees","researcher_record":{"Subissue":"B14. Official fees","Status":"Answered with current-order hold","Finding location; exact claims":"B; C020","Missing evidence / next focused step":"Read direct current Minister's order and check subsequent fee amendments"},"claim_ids":["C_CA-P01-C020"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":24,"raw_table_index":14,"topic":"B14. Official fees","researcher_status_preserved":"Answered with current-order hold","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C020"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B15. Bond and security","researcher_record":{"Subissue":"B15. Bond and security","Status":"Answered for general bond removal; otherwise partial","Finding location; exact claims":"B; C021","Missing evidence / next focused step":"Special registration conditions, insurance, financial security and new guidance"},"claim_ids":["C_CA-P01-C021"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":25,"raw_table_index":14,"topic":"B15. Bond and security","researcher_status_preserved":"Answered for general bond removal; otherwise partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C021"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B16. Renewal, records, discipline","researcher_record":{"Subissue":"B16. Renewal, records, discipline","Status":"Answered with procedural gaps","Finding location; exact claims":"B/D; C022–C023, C053, C068","Missing evidence / next focused step":"Tribunal procedure and administrative-penalty tier mapping"},"claim_ids":["C_CA-P01-C022","C_CA-P01-C023","C_CA-P01-C053","C_CA-P01-C068"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":26,"raw_table_index":14,"topic":"B16. Renewal, records, discipline","researcher_status_preserved":"Answered with procedural gaps","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C022","C_CA-P01-C023","C_CA-P01-C053","C_CA-P01-C068"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B17. Public register","researcher_record":{"Subissue":"B17. Public register","Status":"Answered for existence/features","Finding location; exact claims":"B; C024","Missing evidence / next focused step":"Official refresh cycle and field definitions; no specific entity search authorized"},"claim_ids":["C_CA-P01-C024"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":27,"raw_table_index":14,"topic":"B17. Public register","researcher_status_preserved":"Answered for existence/features","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C024"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"B18. Dedicated “debt-advisor” licence distinct from CDSSA collection-agency registration","researcher_record":{"Subissue":"B18. Dedicated “debt-advisor” licence distinct from CDSSA collection-agency registration","Status":"Not located; unresolved, not deemed nonexistent","Finding location; exact claims":"B; C001, C014, C030","Missing evidence / next focused step":"Bounded official searches of CDSSA, Reg. 74, Ontario ministry licensing guidance and OSB materials found collection-agency route; next inspect complete Ontario licence inventory and separate advisory/lending legislation"},"claim_ids":["C_CA-P01-C001","C_CA-P01-C014","C_CA-P01-C030"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":14,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":28,"raw_table_index":14,"topic":"B18. Dedicated “debt-advisor” licence distinct from CDSSA collection-agency registration","researcher_status_preserved":"Not located; unresolved, not deemed nonexistent","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C001","C_CA-P01-C014","C_CA-P01-C030"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C1. Scope of consumer payment","researcher_record":{"Subissue":"C1. Scope of consumer payment","Status":"Answered","Finding location; exact claims":"C; C045","Missing evidence / next focused step":"Particular third-party/referral arrangements require factual review"},"claim_ids":["C_CA-P01-C045"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":29,"raw_table_index":15,"topic":"C1. Scope of consumer payment","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C045"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C2. Schedule percentage/base","researcher_record":{"Subissue":"C2. Schedule percentage/base","Status":"Answered","Finding location; exact claims":"C/F2; C038, C078","Missing evidence / next focused step":"Full contract and first-page form still needed"},"claim_ids":["C_CA-P01-C038","C_CA-P01-C078"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":30,"raw_table_index":15,"topic":"C2. Schedule percentage/base","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C038","C_CA-P01-C078"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C3. One-time percentage/base","researcher_record":{"Subissue":"C3. One-time percentage/base","Status":"Answered","Finding location; exact claims":"C/F1; C039, C076","Missing evidence / next focused step":"Balance and settlement evidence needed in any actual account"},"claim_ids":["C_CA-P01-C039","C_CA-P01-C076"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":31,"raw_table_index":15,"topic":"C3. One-time percentage/base","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C039","C_CA-P01-C076"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C4. Contract price versus statutory ceiling","researcher_record":{"Subissue":"C4. Contract price versus statutory ceiling","Status":"Answered","Finding location; exact claims":"C; C038–C039","Missing evidence / next focused step":"Actual price unknown; no assumed charge"},"claim_ids":["C_CA-P01-C038","C_CA-P01-C039"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":32,"raw_table_index":15,"topic":"C4. Contract price versus statutory ceiling","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C038","C_CA-P01-C039"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C5. Creditor agreement and payment trigger","researcher_record":{"Subissue":"C5. Creditor agreement and payment trigger","Status":"Answered","Finding location; exact claims":"C; C040","Missing evidence / next focused step":"Creditor writing and first-payment evidence needed"},"claim_ids":["C_CA-P01-C040"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":33,"raw_table_index":15,"topic":"C5. Creditor agreement and payment trigger","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C040"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C6. Separate per-debt earning","researcher_record":{"Subissue":"C6. Separate per-debt earning","Status":"Answered","Finding location; exact claims":"C/F; C041","Missing evidence / next focused step":"Application to jointly owned/assigned accounts unresolved"},"claim_ids":["C_CA-P01-C041"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":34,"raw_table_index":15,"topic":"C6. Separate per-debt earning","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C041"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C7. Proportional multi-creditor cap","researcher_record":{"Subissue":"C7. Proportional multi-creditor cap","Status":"Answered at statutory formula","Finding location; exact claims":"C/F; C042","Missing evidence / next focused step":"Fine treatment of amendments and any separately charged $50 allocation requires further examination"},"claim_ids":["C_CA-P01-C042"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":35,"raw_table_index":15,"topic":"C7. Proportional multi-creditor cap","researcher_status_preserved":"Answered at statutory formula","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C042"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C8. CAD $50 advance exception","researcher_record":{"Subissue":"C8. CAD $50 advance exception","Status":"Answered","Finding location; exact claims":"C/F2; C043","Missing evidence / next focused step":"Contract allocation and actual fee receipt unknown"},"claim_ids":["C_CA-P01-C043"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":36,"raw_table_index":15,"topic":"C8. CAD $50 advance exception","researcher_status_preserved":"Answered","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C043"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C9. Dishonoured instrument","researcher_record":{"Subissue":"C9. Dishonoured instrument","Status":"Answered with source limits","Finding location; exact claims":"C; C044","Missing evidence / next focused step":"Full current §28(5) and actual bank charge"},"claim_ids":["C_CA-P01-C044"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":37,"raw_table_index":15,"topic":"C9. Dishonoured instrument","researcher_status_preserved":"Answered with source limits","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C044"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C10. Other fees/lead/referral/add-ons","researcher_record":{"Subissue":"C10. Other fees/lead/referral/add-ons","Status":"Partial","Finding location; exact claims":"C; C037, C044–C045","Missing evidence / next focused step":"Map each consideration pathway and prohibited indirect terms"},"claim_ids":["C_CA-P01-C037","C_CA-P01-C044","C_CA-P01-C045"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":38,"raw_table_index":15,"topic":"C10. Other fees/lead/referral/add-ons","researcher_status_preserved":"Partial","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C037","C_CA-P01-C044","C_CA-P01-C045"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C11. Pre-registration fee","researcher_record":{"Subissue":"C11. Pre-registration fee","Status":"Answered","Finding location; exact claims":"B/C; C046","Missing evidence / next focused step":"Factual date of contracting and actual registration status"},"claim_ids":["C_CA-P01-C046"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":39,"raw_table_index":15,"topic":"C11. Pre-registration fee","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C046"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C12. Creditor-only compensation","researcher_record":{"Subissue":"C12. Creditor-only compensation","Status":"Partial","Finding location; exact claims":"C; C006, C037","Missing evidence / next focused step":"Test whether consumer consideration, agency status or other statutes independently apply"},"claim_ids":["C_CA-P01-C006","C_CA-P01-C037"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":40,"raw_table_index":15,"topic":"C12. Creditor-only compensation","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C006","C_CA-P01-C037"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C13. Taxes/GST/HST","researcher_record":{"Subissue":"C13. Taxes/GST/HST","Status":"Unresolved","Finding location; exact claims":"C examples intentionally exclude taxes","Missing evidence / next focused step":"CRA/GST-HST taxability and invoicing pass; do not infer amount or exemption"},"claim_ids":[],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":41,"raw_table_index":15,"topic":"C13. Taxes/GST/HST","researcher_status_preserved":"Unresolved","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C14. Trust definition","researcher_record":{"Subissue":"C14. Trust definition","Status":"Answered with guidance inconsistency","Finding location; exact claims":"C; C047, C052","Missing evidence / next focused step":"Reconcile direct operative text and conflicting ministry web guide"},"claim_ids":["C_CA-P01-C047","C_CA-P01-C052"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":42,"raw_table_index":15,"topic":"C14. Trust definition","researcher_status_preserved":"Answered with guidance inconsistency","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C047","C_CA-P01-C052"],"finding_ids":["C_CA-P01-Q002"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C15. Trust deposit/segregation","researcher_record":{"Subissue":"C15. Trust deposit/segregation","Status":"Answered","Finding location; exact claims":"C; C048–C050","Missing evidence / next focused step":"Account-level compliance is outside read-only general research"},"claim_ids":["C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":43,"raw_table_index":15,"topic":"C15. Trust deposit/segregation","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C16. Trust disbursement/unclaimed funds","researcher_record":{"Subissue":"C16. Trust disbursement/unclaimed funds","Status":"Answered at general rule","Finding location; exact claims":"C; C051","Missing evidence / next focused step":"Exact exception for agency-as-creditor, disputed ownership and unclaimed property"},"claim_ids":["C_CA-P01-C051"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":44,"raw_table_index":15,"topic":"C16. Trust disbursement/unclaimed funds","researcher_status_preserved":"Answered at general rule","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C051"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C17. Cross-provincial/third-party escrow","researcher_record":{"Subissue":"C17. Cross-provincial/third-party escrow","Status":"Partial","Finding location; exact claims":"C; C050","Missing evidence / next focused step":"Payment-provider structures, beneficial ownership and extra licensing"},"claim_ids":["C_CA-P01-C050"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":45,"raw_table_index":15,"topic":"C17. Cross-provincial/third-party escrow","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C050"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C18. Contract performance reports/records","researcher_record":{"Subissue":"C18. Contract performance reports/records","Status":"Answered","Finding location; exact claims":"C/D; C053–C055","Missing evidence / next focused step":"Exact example report/template remains unavailable"},"claim_ids":["C_CA-P01-C053","C_CA-P01-C054","C_CA-P01-C055"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":46,"raw_table_index":15,"topic":"C18. Contract performance reports/records","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C053","C_CA-P01-C054","C_CA-P01-C055"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C19. Advertising and savings representations","researcher_record":{"Subissue":"C19. Advertising and savings representations","Status":"Partial","Finding location; exact claims":"C; C056–C057","Missing evidence / next focused step":"Read entire §26/§29 enumerations and compare marketing claims"},"claim_ids":["C_CA-P01-C056","C_CA-P01-C057"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":47,"raw_table_index":15,"topic":"C19. Advertising and savings representations","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C056","C_CA-P01-C057"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"C20. Existing/transitional agreement fee","researcher_record":{"Subissue":"C20. Existing/transitional agreement fee","Status":"Partial","Finding location; exact claims":"A/D; C004","Missing evidence / next focused step":"Pre-2015 signing/amendment chronology for any particular agreement"},"claim_ids":["C_CA-P01-C004"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":15,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":48,"raw_table_index":15,"topic":"C20. Existing/transitional agreement fee","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C004"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D1. Written agreement before services","researcher_record":{"Subissue":"D1. Written agreement before services","Status":"Answered","Finding location; exact claims":"D; C032","Missing evidence / next focused step":"Actual provider agreement absent"},"claim_ids":["C_CA-P01-C032"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":49,"raw_table_index":16,"topic":"D1. Written agreement before services","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C032"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D2. Delivery/retainable form","researcher_record":{"Subissue":"D2. Delivery/retainable form","Status":"Answered","Finding location; exact claims":"D; C032–C034","Missing evidence / next focused step":"Evidence of actual receipt and compliant delivery"},"claim_ids":["C_CA-P01-C032","C_CA-P01-C033","C_CA-P01-C034"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":50,"raw_table_index":16,"topic":"D2. Delivery/retainable form","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C032","C_CA-P01-C033","C_CA-P01-C034"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D3. Contract particulars/signature/funding","researcher_record":{"Subissue":"D3. Contract particulars/signature/funding","Status":"Partial","Finding location; exact claims":"D; C035–C037","Missing evidence / next focused step":"Entire current §27 body plus private agreement and forms"},"claim_ids":["C_CA-P01-C035","C_CA-P01-C036","C_CA-P01-C037"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":51,"raw_table_index":16,"topic":"D3. Contract particulars/signature/funding","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C035","C_CA-P01-C036","C_CA-P01-C037"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D4. Prescribed first-page English/French forms","researcher_record":{"Subissue":"D4. Prescribed first-page English/French forms","Status":"Partial — material hold","Finding location; exact claims":"D/source register; C035, C071–C072","Missing evidence / next focused step":"Download/read 11351e/f and 11352e/f in a supported official format"},"claim_ids":["C_CA-P01-C035","C_CA-P01-C071","C_CA-P01-C072"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":52,"raw_table_index":16,"topic":"D4. Prescribed first-page English/French forms","researcher_status_preserved":"Partial — material hold","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C035","C_CA-P01-C071","C_CA-P01-C072"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D5. Language requirement","researcher_record":{"Subissue":"D5. Language requirement","Status":"Partial","Finding location; exact claims":"D; C013, C072","Missing evidence / next focused step":"Verify French form, language service duties and any contract-language election; no universal translation mandate inferred"},"claim_ids":["C_CA-P01-C013","C_CA-P01-C072"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":53,"raw_table_index":16,"topic":"D5. Language requirement","researcher_status_preserved":"Partial","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C013","C_CA-P01-C072"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D6. One agreement/amendment","researcher_record":{"Subissue":"D6. One agreement/amendment","Status":"Answered with trigger gaps","Finding location; exact claims":"D; C033, C061","Missing evidence / next focused step":"Full renewal/extension term and 18-month termination trigger wording"},"claim_ids":["C_CA-P01-C033","C_CA-P01-C061"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":54,"raw_table_index":16,"topic":"D6. One agreement/amendment","researcher_status_preserved":"Answered with trigger gaps","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C033","C_CA-P01-C061"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D7. No-reason cancellation","researcher_record":{"Subissue":"D7. No-reason cancellation","Status":"Answered","Finding location; exact claims":"D/F5; C058","Missing evidence / next focused step":"Receipt and notice dates for individual calculation"},"claim_ids":["C_CA-P01-C058"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":55,"raw_table_index":16,"topic":"D7. No-reason cancellation","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C058"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D8. Defective-copy one-year route","researcher_record":{"Subissue":"D8. Defective-copy one-year route","Status":"Answered conditionally","Finding location; exact claims":"D/F5; C059","Missing evidence / next focused step":"Establish what was delivered and whether it complied"},"claim_ids":["C_CA-P01-C059"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":56,"raw_table_index":16,"topic":"D8. Defective-copy one-year route","researcher_status_preserved":"Answered conditionally","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C059"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D9. Notice form/address/giving","researcher_record":{"Subissue":"D9. Notice form/address/giving","Status":"Answered as statutory method","Finding location; exact claims":"D/F5; C060","Missing evidence / next focused step":"Detailed holiday/deeming, method and evidence fact-pattern checks"},"claim_ids":["C_CA-P01-C060"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":57,"raw_table_index":16,"topic":"D9. Notice form/address/giving","researcher_status_preserved":"Answered as statutory method","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C060"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D10. Separate refund demand window","researcher_record":{"Subissue":"D10. Separate refund demand window","Status":"Answered","Finding location; exact claims":"D; C063–C064","Missing evidence / next focused step":"Actual notice dates, identity of payer and service"},"claim_ids":["C_CA-P01-C063","C_CA-P01-C064"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":58,"raw_table_index":16,"topic":"D10. Separate refund demand window","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C063","C_CA-P01-C064"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D11. Refund recipient/deadline","researcher_record":{"Subissue":"D11. Refund recipient/deadline","Status":"Answered generally","Finding location; exact claims":"D; C065","Missing evidence / next focused step":"Payee/account mechanism and any disputed payment ownership"},"claim_ids":["C_CA-P01-C065"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":59,"raw_table_index":16,"topic":"D11. Refund recipient/deadline","researcher_status_preserved":"Answered generally","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C065"],"finding_ids":["C_CA-P01-Q001"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D12. Cancellation effects","researcher_record":{"Subissue":"D12. Cancellation effects","Status":"Answered","Finding location; exact claims":"D; C062, C073","Missing evidence / next focused step":"Particular financing/guarantee nexus and creditor writing"},"claim_ids":["C_CA-P01-C062","C_CA-P01-C073"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":60,"raw_table_index":16,"topic":"D12. Cancellation effects","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C062","C_CA-P01-C073"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D13. Nonwaiver","researcher_record":{"Subissue":"D13. Nonwaiver","Status":"Answered","Finding location; exact claims":"D; C066","Missing evidence / next focused step":"No contract-specific review"},"claim_ids":["C_CA-P01-C066"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":61,"raw_table_index":16,"topic":"D13. Nonwaiver","researcher_status_preserved":"Answered","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C066"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D14. Private court remedy","researcher_record":{"Subissue":"D14. Private court remedy","Status":"Answered at statute","Finding location; exact claims":"D; C067","Missing evidence / next focused step":"Limitation, pleading and forum/process issues deferred"},"claim_ids":["C_CA-P01-C067"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":62,"raw_table_index":16,"topic":"D14. Private court remedy","researcher_status_preserved":"Answered at statute","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C067"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D15. Public penalties and registration actions","researcher_record":{"Subissue":"D15. Public penalties and registration actions","Status":"Answered generally","Finding location; exact claims":"D; C023, C068","Missing evidence / next focused step":"No enforcement result in a private case inferred"},"claim_ids":["C_CA-P01-C023","C_CA-P01-C068"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":63,"raw_table_index":16,"topic":"D15. Public penalties and registration actions","researcher_status_preserved":"Answered generally","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C023","C_CA-P01-C068"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D16. Published merits decisions","researcher_record":{"Subissue":"D16. Published merits decisions","Status":"Unresolved after bounded search","Finding location; exact claims":"D; C070","Missing evidence / next focused step":"Future targeted Ontario court/Tribunal decision search using actual reasons, neutral citation and subsequent history"},"claim_ids":["C_CA-P01-C070"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":64,"raw_table_index":16,"topic":"D16. Published merits decisions","researcher_status_preserved":"Unresolved after bounded search","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C070"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D17. Official complaint/legal-help paths","researcher_record":{"Subissue":"D17. Official complaint/legal-help paths","Status":"Answered as read-only information","Finding location; exact claims":"D; C069","Missing evidence / next focused step":"No complaint, contact or referral performed"},"claim_ids":["C_CA-P01-C069"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":65,"raw_table_index":16,"topic":"D17. Official complaint/legal-help paths","researcher_status_preserved":"Answered as read-only information","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C069"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"D18. Evidence checklist and adverse outcomes","researcher_record":{"Subissue":"D18. Evidence checklist and adverse outcomes","Status":"Answered as research framework","Finding location; exact claims":"Below; C040–C073","Missing evidence / next focused step":"Specific consumer outcome requires documents and legal analysis"},"claim_ids":["C_CA-P01-C040","C_CA-P01-C041","C_CA-P01-C042","C_CA-P01-C043","C_CA-P01-C044","C_CA-P01-C045","C_CA-P01-C046","C_CA-P01-C047","C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050","C_CA-P01-C051","C_CA-P01-C052","C_CA-P01-C053","C_CA-P01-C054","C_CA-P01-C055","C_CA-P01-C056","C_CA-P01-C057","C_CA-P01-C058","C_CA-P01-C059","C_CA-P01-C060","C_CA-P01-C061","C_CA-P01-C062","C_CA-P01-C063","C_CA-P01-C064","C_CA-P01-C065","C_CA-P01-C066","C_CA-P01-C067","C_CA-P01-C068","C_CA-P01-C069","C_CA-P01-C070","C_CA-P01-C071","C_CA-P01-C072","C_CA-P01-C073"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":16,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":66,"raw_table_index":16,"topic":"D18. Evidence checklist and adverse outcomes","researcher_status_preserved":"Answered as research framework","coordinator_disposition":"evidence_confidence_correction_hold_UNSENT","existing_normalized_claim_ids_preserved":["C_CA-P01-C040","C_CA-P01-C041","C_CA-P01-C042","C_CA-P01-C043","C_CA-P01-C044","C_CA-P01-C045","C_CA-P01-C046","C_CA-P01-C047","C_CA-P01-C048","C_CA-P01-C049","C_CA-P01-C050","C_CA-P01-C051","C_CA-P01-C052","C_CA-P01-C053","C_CA-P01-C054","C_CA-P01-C055","C_CA-P01-C056","C_CA-P01-C057","C_CA-P01-C058","C_CA-P01-C059","C_CA-P01-C060","C_CA-P01-C061","C_CA-P01-C062","C_CA-P01-C063","C_CA-P01-C064","C_CA-P01-C065","C_CA-P01-C066","C_CA-P01-C067","C_CA-P01-C068","C_CA-P01-C069","C_CA-P01-C070","C_CA-P01-C071","C_CA-P01-C072","C_CA-P01-C073"],"finding_ids":["C_CA-P01-Q001","C_CA-P01-Q002"],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"E1. Federal BIA authority","researcher_record":{"Subissue":"E1. Federal BIA authority","Status":"Answered as gateway","Finding location; exact claims":"E; C074","Missing evidence / next focused step":"Wider eligibility and procedure deferred"},"claim_ids":["C_CA-P01-C074"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":17,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":67,"raw_table_index":17,"topic":"E1. Federal BIA authority","researcher_status_preserved":"Answered as gateway","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C074"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"E2. LIT and statutory proposal distinction","researcher_record":{"Subissue":"E2. LIT and statutory proposal distinction","Status":"Answered as gateway","Finding location; exact claims":"E; C074–C075","Missing evidence / next focused step":"Particular LIT delegation/proposal conditions not evaluated"},"claim_ids":["C_CA-P01-C074","C_CA-P01-C075"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":17,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":68,"raw_table_index":17,"topic":"E2. LIT and statutory proposal distinction","researcher_status_preserved":"Answered as gateway","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C074","C_CA-P01-C075"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"E3. Ordinary private settlement effect","researcher_record":{"Subissue":"E3. Ordinary private settlement effect","Status":"Answered at distinction level","Finding location; exact claims":"E; C073–C075","Missing evidence / next focused step":"Creditor contract and applicable debt-specific statute"},"claim_ids":["C_CA-P01-C073","C_CA-P01-C074","C_CA-P01-C075"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":17,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":69,"raw_table_index":17,"topic":"E3. Ordinary private settlement effect","researcher_status_preserved":"Answered at distinction level","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C073","C_CA-P01-C074","C_CA-P01-C075"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"E4. OSB debt-advisor position","researcher_record":{"Subissue":"E4. OSB debt-advisor position","Status":"Answered with policy caveat","Finding location; exact claims":"E; C075","Missing evidence / next focused step":"Do not transform OSB examples into a judicial holding"},"claim_ids":["C_CA-P01-C075"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":17,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":70,"raw_table_index":17,"topic":"E4. OSB debt-advisor position","researcher_status_preserved":"Answered with policy caveat","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C075"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"E5. Federal bank/credit-product/collector regimes","researcher_record":{"Subissue":"E5. Federal bank/credit-product/collector regimes","Status":"Excluded with reason","Finding location; exact claims":"E boundary only; C074","Missing evidence / next focused step":"Parent country passes; outside provider-focused investigation"},"claim_ids":["C_CA-P01-C074"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":17,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":71,"raw_table_index":17,"topic":"E5. Federal bank/credit-product/collector regimes","researcher_status_preserved":"Excluded with reason","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C074"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"F1. Covered versus claimed charity","researcher_record":{"Subissue":"F1. Covered versus claimed charity","Status":"Answered conditional","Finding location; exact claims":"F3; C027–C028, C080","Missing evidence / next focused step":"Proof of status and actual service"},"claim_ids":["C_CA-P01-C027","C_CA-P01-C028","C_CA-P01-C080"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":72,"raw_table_index":18,"topic":"F1. Covered versus claimed charity","researcher_status_preserved":"Answered conditional","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C027","C_CA-P01-C028","C_CA-P01-C080"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"F2. Multi-debt one-time calculation","researcher_record":{"Subissue":"F2. Multi-debt one-time calculation","Status":"Answered hypothetical","Finding location; exact claims":"F1; C076–C077","Missing evidence / next focused step":"Actual amounts, writing and fees absent"},"claim_ids":["C_CA-P01-C076","C_CA-P01-C077"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":73,"raw_table_index":18,"topic":"F2. Multi-debt one-time calculation","researcher_status_preserved":"Answered hypothetical","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C076","C_CA-P01-C077"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"F3. Schedule-model calculation","researcher_record":{"Subissue":"F3. Schedule-model calculation","Status":"Answered hypothetical","Finding location; exact claims":"F2; C078–C079","Missing evidence / next focused step":"Contract allocation, actual payments and earned-fee ledger"},"claim_ids":["C_CA-P01-C078","C_CA-P01-C079"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":74,"raw_table_index":18,"topic":"F3. Schedule-model calculation","researcher_status_preserved":"Answered hypothetical","coordinator_disposition":"scoped_review_complete_source_currentness_application_holds","existing_normalized_claim_ids_preserved":["C_CA-P01-C078","C_CA-P01-C079"],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"F4. Two fully recomputed quantitative examples","researcher_record":{"Subissue":"F4. Two fully recomputed quantitative examples","Status":"Answered","Finding location; exact claims":"F1–F2; C076–C079","Missing evidence / next focused step":"Arithmetic audited internally, not independently approved"},"claim_ids":["C_CA-P01-C076","C_CA-P01-C077","C_CA-P01-C078","C_CA-P01-C079"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":75,"raw_table_index":18,"topic":"F4. 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Remote/out-of-province nexus unknown","Status":"Answered conditional","Finding location; exact claims":"F4; C008, C031, C080","Missing evidence / next focused step":"Parties' locations at dealings and legal entity"},"claim_ids":["C_CA-P01-C008","C_CA-P01-C031","C_CA-P01-C080"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":76,"raw_table_index":18,"topic":"F5. 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Defective copy/notice timing","Status":"Answered symbolic","Finding location; exact claims":"F5; C058–C065, C080","Missing evidence / next focused step":"No invented calendar deadline"},"claim_ids":["C_CA-P01-C058","C_CA-P01-C059","C_CA-P01-C060","C_CA-P01-C061","C_CA-P01-C062","C_CA-P01-C063","C_CA-P01-C064","C_CA-P01-C065","C_CA-P01-C080"],"coordinator_acceptance":"evidence_confidence_correction_hold_UNSENT","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":77,"raw_table_index":18,"topic":"F6. 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Professional-title exemption","Status":"Answered conditional","Finding location; exact claims":"F6; C025–C026, C080","Missing evidence / next focused step":"Exact professional-practice predicates"},"claim_ids":["C_CA-P01-C025","C_CA-P01-C026","C_CA-P01-C080"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":78,"raw_table_index":18,"topic":"F7. 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Adverse branch/no automatic debt discharge","Status":"Answered","Finding location; exact claims":"F1–F6; C073","Missing evidence / next focused step":"Creditor contract, judgments and other law not reviewed"},"claim_ids":["C_CA-P01-C073"],"coordinator_acceptance":"scoped_review_complete_source_currentness_application_holds","raw_table_index":18,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":79,"raw_table_index":18,"topic":"F8. 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no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":81,"raw_table_index":19,"topic":"Alberta","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"British Columbia","researcher_record":{"Jurisdiction":"British Columbia","Status in C_CA-P01":"Not researched","Required next focused investigation":"Independently investigate debt repayment agency regulation, licensing, fee formula, trust funds and cancellation"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; 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no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":84,"raw_table_index":19,"topic":"New Brunswick","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Newfoundland and Labrador","researcher_record":{"Jurisdiction":"Newfoundland and Labrador","Status in C_CA-P01":"Not researched","Required next focused investigation":"Locate current collection/debt settlement enactments, licences, exemptions, fees and cancellation"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":85,"raw_table_index":19,"topic":"Newfoundland and Labrador","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Nova Scotia","researcher_record":{"Jurisdiction":"Nova Scotia","Status in C_CA-P01":"Not researched","Required next focused investigation":"Investigate collector and debtor-side debt-management categories, licensing, trust and contracts"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":86,"raw_table_index":19,"topic":"Nova Scotia","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Prince Edward Island","researcher_record":{"Jurisdiction":"Prince Edward Island","Status in C_CA-P01":"Not researched","Required next focused investigation":"Establish present statutory collection/debt counselling activities, provider authorization and safeguards"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":87,"raw_table_index":19,"topic":"Prince Edward Island","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Quebec","researcher_record":{"Jurisdiction":"Quebec","Status in C_CA-P01":"Not researched","Required next focused investigation":"Research applicable Quebec legislation independently in authoritative French and English where available; no Ontario terms transplanted"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":88,"raw_table_index":19,"topic":"Quebec","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Saskatchewan","researcher_record":{"Jurisdiction":"Saskatchewan","Status in C_CA-P01":"Not researched","Required next focused investigation":"Identify current collection-agent/debt-adjustment licensing, fees, contracts and provincial enforcement"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":89,"raw_table_index":19,"topic":"Saskatchewan","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Northwest Territories","researcher_record":{"Jurisdiction":"Northwest Territories","Status in C_CA-P01":"Not researched","Required next focused investigation":"Independently research territorial licensing and consumer fee/contract rules, plus applicable federal gateways"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":90,"raw_table_index":19,"topic":"Northwest Territories","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Nunavut","researcher_record":{"Jurisdiction":"Nunavut","Status in C_CA-P01":"Not researched","Required next focused investigation":"Independently research territorial collection/debt-settlement authority, commencement and consumer safeguards"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":91,"raw_table_index":19,"topic":"Nunavut","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Yukon","researcher_record":{"Jurisdiction":"Yukon","Status in C_CA-P01":"Not researched","Required next focused investigation":"Independently investigate territorial consumer/collection agency statutes, exemptions and money handling"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":92,"raw_table_index":19,"topic":"Yukon","researcher_status_preserved":"Not researched","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Canada federal boundary","researcher_record":{"Jurisdiction":"Canada federal boundary","Status in C_CA-P01":"Only insolvency gateway reviewed","Required next focused investigation":"Separate federal banking, communications, competition, privacy, financial consumer, taxation and cross-border analyses remain necessary"},"claim_ids":[],"coordinator_acceptance":"jurisdiction_scope_preserved_not_accepted","raw_table_index":19,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":93,"raw_table_index":19,"topic":"Canada federal boundary","researcher_status_preserved":"Only insolvency gateway reviewed","coordinator_disposition":"jurisdiction_scope_preserved_not_accepted","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Debt products","researcher_record":{"Deferred country issue":"Debt products","Status":"Excluded","Precise next-pass question":"Which loans, credit cards, medical, utility, student and other obligations follow distinct federal/provincial regimes?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":94,"raw_table_index":20,"topic":"Debt products","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Collector conduct and validation","researcher_record":{"Deferred country issue":"Collector conduct and validation","Status":"Excluded","Precise next-pass question":"What creditor-side notice, communication, dispute and collection rights actually operate in each jurisdiction?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":95,"raw_table_index":20,"topic":"Collector conduct and validation","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Limitation and revival","researcher_record":{"Deferred country issue":"Limitation and revival","Status":"Excluded","Precise next-pass question":"How do dates, acknowledgments, payments and judgments affect court limitation periods?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":96,"raw_table_index":20,"topic":"Limitation and revival","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Credit reporting","researcher_record":{"Deferred country issue":"Credit reporting","Status":"Excluded","Precise next-pass question":"What may creditors and bureaus report after default, settlement, cancellation or insolvency?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":97,"raw_table_index":20,"topic":"Credit reporting","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Courts and litigation","researcher_record":{"Deferred country issue":"Courts and litigation","Status":"Excluded","Precise next-pass question":"Which courts, claims procedures, costs and appeal paths apply to private debt disputes?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":98,"raw_table_index":20,"topic":"Courts and litigation","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Garnishment and exemptions","researcher_record":{"Deferred country issue":"Garnishment and exemptions","Status":"Excluded","Precise next-pass question":"What income/property may creditors reach and under which judgments and exclusions?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":99,"raw_table_index":20,"topic":"Garnishment and exemptions","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Secured debts","researcher_record":{"Deferred country issue":"Secured debts","Status":"Excluded","Precise next-pass question":"What do security interests, mortgages, vehicle financing and creditor remedies change?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":100,"raw_table_index":20,"topic":"Secured debts","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Support obligations","researcher_record":{"Deferred country issue":"Support obligations","Status":"Excluded","Precise next-pass question":"Are maintenance and support debts treated differently in settlement and insolvency?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":101,"raw_table_index":20,"topic":"Support obligations","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Government debts","researcher_record":{"Deferred country issue":"Government debts","Status":"Excluded","Precise next-pass question":"How do tax, benefit, fines and Crown debt collection rules differ?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":102,"raw_table_index":20,"topic":"Government debts","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Detailed insolvency eligibility","researcher_record":{"Deferred country issue":"Detailed insolvency eligibility","Status":"Excluded","Precise next-pass question":"Who qualifies for proposals/bankruptcy, and what actual approvals, stays and discharge exceptions apply?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":103,"raw_table_index":20,"topic":"Detailed insolvency eligibility","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Insolvency procedures and creditor voting","researcher_record":{"Deferred country issue":"Insolvency procedures and creditor voting","Status":"Excluded","Precise next-pass question":"What are the filing, voting, amendment, annulment and distribution rules?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":104,"raw_table_index":20,"topic":"Insolvency procedures and creditor voting","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Canadian tax on forgiven debt and provider services","researcher_record":{"Deferred country issue":"Canadian tax on forgiven debt and provider services","Status":"Unresolved/deferred","Precise next-pass question":"What federal/provincial income-tax and GST/HST rules apply to specific actors and transactions?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":105,"raw_table_index":20,"topic":"Canadian tax on forgiven debt and provider services","researcher_status_preserved":"Unresolved/deferred","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Moving abroad","researcher_record":{"Deferred country issue":"Moving abroad","Status":"Excluded","Precise next-pass question":"What changes when debtor, creditor or provider relocates during negotiation or enforcement?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":106,"raw_table_index":20,"topic":"Moving abroad","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Currency and payment transfers","researcher_record":{"Deferred country issue":"Currency and payment transfers","Status":"Excluded","Precise next-pass question":"How do exchange conversion, cross-border funds and payment-provider regulations apply?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":107,"raw_table_index":20,"topic":"Currency and payment transfers","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Contract choice of law","researcher_record":{"Deferred country issue":"Contract choice of law","Status":"Excluded","Precise next-pass question":"Which mandatory Ontario protections survive a foreign forum/law clause?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":108,"raw_table_index":20,"topic":"Contract choice of law","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Foreign judgments and recognition","researcher_record":{"Deferred country issue":"Foreign judgments and recognition","Status":"Excluded","Precise next-pass question":"When are foreign judgments or settlements enforceable in Ontario, or vice versa?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":109,"raw_table_index":20,"topic":"Foreign judgments and recognition","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Cross-border insolvency recognition","researcher_record":{"Deferred country issue":"Cross-border insolvency recognition","Status":"Excluded","Precise next-pass question":"What specific proceedings can be recognized, and by whom, under the applicable statutory route?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":110,"raw_table_index":20,"topic":"Cross-border insolvency recognition","researcher_status_preserved":"Excluded","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"Indigenous and special local legal regimes","researcher_record":{"Deferred country issue":"Indigenous and special local legal regimes","Status":"Unresolved/deferred","Precise next-pass question":"What jurisdiction-specific protections or authorities alter the general provincial analysis?"},"claim_ids":[],"coordinator_acceptance":"country_question_deferred_preserved","raw_table_index":20,"literal_reconciliation":"Exact focused-subissue/jurisdiction/deferred-country row from raw; no new substantive research or acceptance.","coordinator_review":{"at":"2026-10-29T04:42:05.771795+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"coverage_ordinal":111,"raw_table_index":20,"topic":"Indigenous and special local legal regimes","researcher_status_preserved":"Unresolved/deferred","coordinator_disposition":"country_question_deferred_preserved","existing_normalized_claim_ids_preserved":[],"finding_ids":[],"component_country_or_parent_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"annotations":{},"corrections":[{"issue_id":"C_CA-P01-Q001","finding":"Current operative verification must remain qualified where complete Ontario text was inaccessible The report honestly discloses403andindexed-onlyaccess, but calls13(10)controlling VERIFIEDtext and labels currentlegislativestatus verified. The completecurrentregulation/currentstatute were never directlyread, new2026premisesguidancewasunread, and historical2018/2021guidance cannot establish every2026condition. Currentfee and15dayrefundformula legalapplication likewise remains indexed-only, even whenarithmeticmatches.","affected_claim_ids":["C_CA-P01-C002","C_CA-P01-C003","C_CA-P01-C017","C_CA-P01-C019","C_CA-P01-C020","C_CA-P01-C038","C_CA-P01-C039","C_CA-P01-C040","C_CA-P01-C041","C_CA-P01-C042","C_CA-P01-C043","C_CA-P01-C044","C_CA-P01-C065"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-september-24-2021-en-2023-08-18.pdf","https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_CA-P01-Q002","finding":"The trust-guide discrepancy is apparent rather than a confirmed conflict with current enacted text The2018bulletin definitely includes future-service advances in its quoted17(1), but the supposedlycurrentguide was onlyan indexedexcerpt and thecompletecurrentregulation was inaccessible. Differentcontexts or omittedqualifications have notbeen ruledout. The report labels the comparison a material sourceinconsistency and says enactedregulation stronger before confirming theactualcurrenttext.","affected_claim_ids":["C_CA-P01-C047","C_CA-P01-C052"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://files.ontario.ca/mpbsd-cpo-rb/mpbsd-cdssa-registrars-bulletin-january-5-2018-en-2023-08-18.pdf"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"C_CA-P01-COORDINATOR-SCOPED-REVIEW","status":"scoped_coordinator_review_complete_evidence_confidence_corrections_UNSENT_and_operative_source_currentness_application_holds","at":null}]}