{"meta":{"key":"c_ie--pass-01","task":"C_IE","title":"Independent provider perimeter and authorisation research","parent_title":"Ireland consumer debt and resolution","edition":"pass-01","path":"/research/c_ie--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":15,"claims":50,"sources":43,"review_status":"scoped_review_completed_narrative_source_crosslink_correction_required","review_complete":true,"sha256":"9093fd456e6e3310fef5517dccbc442bba57877d6782ef7bdc6e3d3087dda922","headings":["Independent provider perimeter and authorisation research","Principal determination","Particularly important 2026 currentness correction","A. Operative perimeter, definitions and commencement","A1. The statutory test","A2. Commencement and transition","B. Actor-by-actor exceptions and adjacent businesses","B1. Complete section 28(1) excepted-person categories","B2. Adjacent activities that must not be conflated","C. Authorisation and safeguards","C1. Permission decision","C2. Ongoing qualification and protective requirements","C3. Unauthorised activity and adverse outcomes","C4. Two quantitative agency-levy examples","€1,292.50","€1,817.50","D. Public verification and documentary workflow","E. Statutory insolvency and geographic boundary","Worked bounded decisions","Scenario 1 — “Free” introductory advice followed by a paid service; claimed charity exception","Scenario 2 — Collection agency versus debtor-appointed negotiator","Scenario 3 — Foreign remote adviser targeting an Irish resident","Scenario 4 — Sole trader, company debt and personal guarantee","Scenario 5 — A private “insolvency specialist” versus an authorised statutory practitioner","Scenario 6 — Payment routing with no advice, then service expansion","A. Operative perimeter and currency","B. Actors and exemptions","C. Authorisation and safeguards","D. Public checks and documentation","E. Insolvency, EU and geography","F. Explicit later passes — not silently answered here","Researcher self-check and evidentiary holds","Material new questions for the next owner","Evidence-grounded opportunities for SettleADebt","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_IE/pass-01","facets":{"geography":["international","c_ie"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Ireland ONLY covered paid debt-management activities/actors/debts, exclusions, Irish/remote nexus and authorization safeguards; consumer fees/contracts/client-money/redress/fullcountrytopics explicitly deferred","pending_corrections":0},"markdown":"# SettleADebt C_IE PASS-01 — Ireland\n\n## Independent provider perimeter and authorisation research\n\nFocused research complete subject to identified evidence gaps — not accepted or publication-readyResearch baseline: 22 October 2026, America/Los_Angeles\nPublic-source verification: 26 October 2026 (UTC, Pacific and Ireland local date; exact retrieval times not recorded)\nJurisdiction: Republic of Ireland. Northern Ireland is a separate UK jurisdiction and is excluded.\nMethod: Read-only, ordinary public-source browsing in regular Chat. No private provider, person, licence, customer or case lookup; no application, filing, contact, purchase or site publication.\n\n### Principal determination\n\nIreland has a specific debt management firm authorisation regime in Part V of the Central Bank Act 1997, as amended by Part 10 of the Central Bank (Supervision and Enforcement) Act 2013. A person providing debt management services for direct or indirect remuneration to at least one statutory consumer can come within this regime unless a precisely defined excepted-person provision applies. The competent authorising body is the Central Bank of Ireland. The core provisions commenced on 1 August 2013. [C_IE-P01-C001–C005] Law Reform+3\n\nThe decisive classification questions are these:\n\n| Question | Finding | Claim |\n| --- | --- | --- |\n| What activity? | Advice on discharging debt, related budgeting, negotiating with creditors, or similar discharge activity. Negotiation without broader advice still falls within the statutory activity definition. | C003, C032 |\n| Who receives it? | An individual acting outside business, or a microenterprise under the incorporated EU definition. Not all businesses qualify; not all individuals act as consumers in every transaction. | C005–C007 |\n| Who pays? | Direct or indirect payments and commissions count. Charging for another service while calling debt advice “free” can still be remuneration. | C004 |\n| Is the actor excepted? | The statute lists specific charities, public bodies, regulated institutions, limited professional services and statutory insolvency roles. Each exception has its own factual predicates. | C009–C015 |\n| Which permission? | An ordinary covered private firm needs the appropriate Central Bank debt-management-firm authorisation. A professional credential, another type of financial permission or an insolvency-practitioner authorisation is not automatically interchangeable. | C018–C023, C033 |\n| Does the service cross borders? | The Central Bank’s published debt-management standards require authorised firms’ debt-management services to be conducted within Ireland; its application guidance refers to establishment in Ireland. This does not resolve all remote-provider or foreign-law questions. | C018–C019 |\n\nThese are classification and authorisation findings, not findings that a particular consumer contract is enforceable, that any provider will achieve a settlement, or that any creditor must accept a reduced amount.\n\n### Particularly important 2026 currentness correction\n\nThe Consumer Protection Code 2025 took effect on 24 March 2026. Its regulations contain a specific Chapter 12 for debt management firms. The older 2012 Code, still referenced in some historical Central Bank application documents, must not be treated as the current conduct framework. Chapter 12 also expressly distinguishes a firm engaged solely in negotiation for particular conduct-rule purposes; that is not an exemption from the underlying debt-management-firm authorisation definition. Detailed conduct, disclosures, consumer charges and contracts remain reserved for later passes. [C_IE-P01-C032] Central Bank of Ireland+2\n\nThe following registers state precisely what was verified, where the evidence stops, and which conclusions remain on hold.\n\n## A. Operative perimeter, definitions and commencement\n\n### A1. The statutory test\n\nThe starting point is Central Bank Act 1997, Part V, section 28(1), as amended in 2013.\n\nA provider is potentially a debt management firm when all four elements exist:\n\n1. A person provides a debt management service.\n2. The service is provided to at least one statutory consumer.\n3. The person receives remuneration, directly or indirectly.\n4. The person does not qualify as an excepted person.\n\nSection 29 then prohibits carrying on the regulated business without the relevant authorisation. It expressly removes excepted persons from treatment as carrying on the business of a debt management firm. [C003–C005, C009–C016, C028; S003–S006] Law Reform+2\n\n| Component | Exact operative distinction | Classification consequence |\n| --- | --- | --- |\n| Advice | Advice about discharging debt wholly or partly; includes budgeting advice connected to debt discharge. | Paid debt-specific budgeting can qualify even without direct creditor contact. |\n| Negotiation | Negotiating with a person's creditors about discharge of the person's debts wholly or partly. | A negotiation-only service is not outside the statutory definition merely because it avoids giving recommendations. |\n| Similar activities | Other activities similar to advice or negotiation and associated with debt discharge. | Examine what staff actually do. A business label is insufficient. |\n| Remuneration | Commission or payment, direct or indirect, including payment for other services that results in debt-management services being described as free. | A separately charged “membership,” “financial review” or referral-funded model may still satisfy the remuneration element. |\n| Consumer | An individual acting otherwise than in business, or a microenterprise within the incorporated EU definition. | An individual trading commercially and a microenterprise must be examined separately. |\n| Underlying debt | Section 28's debt-management-service definition refers broadly to “debts”; it does not itself specify a credit-card-only, unsecured-only or consumer-credit-only list. | Do not infer that every tax, secured, business, guarantee or foreign obligation can legally be compromised through the same process. Those separate rules have not been examined. |\n\nThe European Commission describes a microenterprise as having fewer than 10 staff and either annual turnover or balance-sheet total not exceeding €2 million. Group and linked-enterprise figures may matter. This Commission page is an official explanatory source; the complete operative Annex to Recommendation 2003/361/EC could not be read directly in this pass. Therefore borderline classifications remain partial. [C005–C007; S005, S008] Law Reform+1\n\nExamples of distinctions that matter:\n\n- A private individual asking about household debts is potentially within the consumer limb.\n- A sole trader seeking help solely with business obligations does not automatically qualify through the individual/nonbusiness limb; the microenterprise limb still has to be tested.\n- An incorporated microenterprise can potentially satisfy the consumer definition even though it is a business.\n- A larger commercial debtor outside both limbs does not qualify as a “consumer” for this particular statutory definition. That is not a conclusion that no other regulation applies.\n- For a guarantor, determine whose obligation is being discussed, whether a present debt is owed by that guarantor, their capacity, and whether an applicable consumer or microenterprise limb is satisfied. No automatic guarantor-wide rule was located in section 28. [C005–C007, C042]\n\n### A2. Commencement and transition\n\nThe 2013 amendment introducing this category is in Central Bank (Supervision and Enforcement) Act 2013, section 59. The operative commencement instrument, S.I. 287/2013, article 2, brought the relevant Act into operation on 1 August 2013; its exception for section 72 is not the debt-management-firm introduction. [C001–C002; S003–S004] Law Reform+1\n\nSection 34D of the 1997 Act provided a historic transition for firms already carrying on that business immediately before commencement and applying within the specified three-month period. The Central Bank could impose conditions or temporarily direct a qualifying transitional applicant not to operate. This is not an application window for new firms in 2026. No historic deadline has been converted into a newly usable current deadline. [C030; S007] Law Reform\n\nCurrency qualification: The Law Reform Commission’s revised Central Bank Act 1997 is updated to 1 August 2026; its revised 2013 Act is updated to 7 July 2026. They are administrative consolidations, not guarantees that every later change is captured. Relevant 2026 amendments elsewhere in Part V, including credit servicing, mean that an old copy of the 1997 Act is unsuitable for current classification. [C001; S001–S002] Law Reform+2\n\n## B. Actor-by-actor exceptions and adjacent businesses\n\n### B1. Complete section 28(1) excepted-person categories\n\nAn exception is not established merely by calling an organisation “nonprofit,” “professional,” “regulated,” “independent” or “free.” The following is the statutory list, with the specific evidence needed to test it.\n\n| Paragraph | Person or capacity described in section 28 | Critical predicate and adverse branch | Claims |\n| --- | --- | --- | --- |\n| (a) | A charitable organisation under Charities Act 2009, s.2(1) | Check governing documents, exclusively charitable purposes, application of property and statutory excluded-body rules. A socially minded for-profit or ordinary nonprofit does not qualify by its label. | C009, C045 |\n| (b) | Money Advice and Budgeting Service (MABS) | Establish that the activity is actually provided by MABS, not a private operator using similar branding. | C010 |\n| (c) | A licensed bank, building society, credit union or friendly society | Confirm the particular institution's statutory status and actual service capacity. A commercial affiliation or lender referral relationship does not itself make another company that institution. | C011 |\n| (d) | Barrister, solicitor or accountant | Both only incidental provision of debt-management services and regulation by a professional body are required. A practice built primarily around paid negotiations may fail the incidental condition. | C012 |\n| (e) | A party to the 2 August 2012 Protocol for Independent Advice to Borrowers Availing of Long Term Mortgage Forbearance, as amended | Must be a party and provide the advice in accordance with the applicable Protocol. The complete Protocol/version was not retrieved; no wider exemption is established. | C013 |\n| (f) | Insolvency Service of Ireland; authorised approved intermediary acting as such; authorised personal insolvency practitioner practising as such | Capacity and actual statutory function matter. Practitioner authorisation alone does not grant all other regulated financial-advice permissions. | C014, C033 |\n| (g) | Personal representative within Succession Act 1965, s.3 | Verify genuine estate-representative status and function, rather than unrelated commercial debt negotiation. Underlying succession-law particulars deferred. | C015 |\n| (h) | Trustees of a trust | Exception does not cover a trust established to provide debt-management services. Verify trust instrument and actual purpose. | C015 |\n| (i) | Central Bank of Ireland | Specific statutory body, not an affiliated private company. | C015 |\n| (j) | An Post | Specific statutory actor. | C015 |\n| (k) | National Asset Management Agency | Specific statutory actor. | C015 |\n| (l) | National Treasury Management Agency | Specific statutory actor. | C015 |\n| (m) | National Consumer Agency, as worded in the provision | Historical institutional name. The relevant consumer-agency functions were transferred to the Competition and Consumer Protection Commission; the precise transfer/identity must be documented for any real capacity claim. | C015 |\n| (n) | Another person constituted or holding office under enactment, or funded wholly or partly by a Government Minister | Obtain the establishing enactment, appointment or actual government funding evidence. Do not presume all publicly associated charities or contractors qualify. | C015 |\n\nThe list is from the current revised section 28 text, read together with section 29(5)(b). The charitable-organisation criteria were checked against Charities Act 2009, s.2; the charity-registration rule was separately checked at s.39. [S005–S006, S009–S010] Law Reform+4\n\n### B2. Adjacent activities that must not be conflated\n\n| Actual role | Debt-management-firm conclusion | Separate gateway or open issue |\n| --- | --- | --- |\n| A creditor negotiating repayment of its own receivable | Ordinarily the person is administering its own claim, rather than providing a debt-discharge service to the debtor. This is an activity-based inference, not a universal statutory exemption for every creditor service. | Lending, retail credit, servicing and conduct permissions depend on the underlying activity. |\n| Collector acting for a creditor | Collecting or administering the creditor's claim is different from being retained to advise the debtor. | Credit servicing may be separately regulated under the 1997 Act and 2023 EU-implementation regime; other collection branches remain unresearched. |\n| Debt purchaser | Ownership alone does not prove it is providing paid debtor-side advice. | Purchaser/servicer responsibilities need the separate product and servicing classification. |\n| Referral or lead-generation platform | Pure introduction with no debtor-side advice, negotiation or similar discharge activity is not automatically a DMF. | Referral-funded bundled advice can become remunerated DM services; other intermediary/advertising rules are deferred. |\n| Payment distributor only | Pure mechanical payment routing does not necessarily establish the s.28 advice/negotiation elements. | Separate payment or money-transmission permission may arise; DMF authorisation by itself is not authority to hold customers' money. |\n| Solicitor/accountant performing substantive routine debt negotiation | Professional status by itself is insufficient. | Test incidental character and actual professional regulation; otherwise Central Bank authorisation may be required. |\n| Statutory personal-insolvency practitioner | May qualify under the excepted-person limb while practising in the authorised statutory capacity. | Insolvency Service of Ireland authorisation is distinct from Central Bank DMF authorisation. |\n\n[C003–C004, C011–C015, C034–C035, C043; S005, S030, S035–S037] Law Reform+3\n\nThe key evidence is who the service is provided to, the actual task, why money or other benefits are received, and which legal person performs it. A third party paying the provider does not necessarily eliminate remuneration; conversely, receiving money solely from a creditor for genuinely creditor-side servicing does not by itself establish a debtor-side DMF relationship.\n\n## C. Authorisation and safeguards\n\n### C1. Permission decision\n\nFor a person within the statutory DMF definition, the relevant gateway is Central Bank of Ireland authorisation to carry on the business of a debt management firm under Part V of the 1997 Act. Sections 30–31 govern applying and grant/refusal. Section 32 makes the resulting permission subject to its conditions, and section 33 requires conditions to be set out in the authorisation or annexes. [C020–C023; S011–S015] Law Reform+3\n\nThe available text did not establish a general “appointed representative” substitute, automatic recognition of a foreign debt-management permission, or an ordinary professional-registration-only route for a non-excepted commercial DMF. These routes are therefore not established, rather than declared nonexistent.\n\nA covered applicant must provide the Bank's specified form, information and documents. Section 30(2)(c) refers to an application fee if one is prescribed under section 33K of the Central Bank Act 1942. No current DMF-specific application-fee amount was established from a read operative fee instrument in this pass. [C020; S011]\n\nSection 31 permits refusal on specified grounds, including relevant money-laundering/terrorism-law concerns, inability to fulfil the applicable obligations, and materially false or misleading information. The Bank must follow the statutory proposed-refusal notice and representation process. This is not an automatic entitlement to approval on merely submitting a form. [C021; S012]\n\n### C2. Ongoing qualification and protective requirements\n\n| Requirement | Source and precision | Documentary evidence to request hypothetically |\n| --- | --- | --- |\n| Organisation, competent management, suitable owners and adequate resources | 1997 Act s.31A(a)–(g) | Legal-entity and ownership chart, management biographies, business plan, staffing, compliance arrangements |\n| Controlled functions/PCFs | Central Bank Reform Act 2010 ss.21 and 23; current Bank authorisation process | Applicable role matrix; fitness/probity certification and written agreement; Bank's written PCF approval where required |\n| Competence | Bank's minimum-competency framework; recognised DM-service qualifications | Relevant qualification and experience records; individual credential alone is not firm authorisation |\n| Solvency | DMF Authorisation Requirements and Standards Part A §2, printed p.6, PDF index 5 | Accounts showing liabilities can be met when due and balance-sheet assets exceed liabilities, excluding goodwill/intangibles under the stated calculation |\n| Professional indemnity insurance | 1997 Act s.33A(5); DMF standards §3, printed p.6, PDF index 5 | Insurer's confirmation covering DM services, required limits, policy period, exclusions, excess and evidence of resources for the excess |\n| Governance and outsourcing | DMF standards Part A §§4–8 | Compliance arrangements, outsourcing agreement and Bank approvals/notifications applicable to locations, name and other activities |\n| Records | 1997 Act s.36F; standards §9, printed pp.13–14, PDF indices 12–13 | Records kept at notified Irish office(s), customer files, creditor negotiations and retention schedule |\n| Reporting | Bank DMF reporting page; standards §5.2 | Appropriate annual DMF return, financial-year-end evidence and additional returns for other permissions |\n| Conditions and continuing status | 1997 Act ss.32–33A, 35, 36A | Original authorisation and every annex/amendment, current status and revocation notices if any |\n\n[C022–C027, C029, C041, C046–C048; S013–S020, S023–S027, S038] Law Reform+6\n\nThe Bank's currently linked DMF standards specify professional indemnity cover of at least €1.25 million per claim and €1.85 million in aggregate for one policy period, plus insurer confirmation before commencing and annually thereafter. These are insurance coverage limits, not an application charge, bank deposit, customer-specific bond, guaranteed recovery fund or maximum consumer compensation. Coverage remains subject to policy terms and underlying liability. [C024; S016, S020] centralbank.ie\n\nThe standards require qualifying records to be retained for at least five years from the particular trigger appropriate to the record type. For relevant customer files, that is the later of cessation of service or last customer interaction. Other records have different triggers. The Bank's reporting page says the annual DMF return is due within six months after the firm's relevant financial year-end. No universal calendar filing date is inferred without the individual firm's year-end and requirements. [C026–C027; S019–S020, S027] centralbank.ie+1\n\n### C3. Unauthorised activity and adverse outcomes\n\nA person carrying on a covered regulated business without authorisation contravenes section 29(1) and commits the offence in section 29(2). The enacted provision prints different summary and indictment consequences and further penalties for continuing after conviction; the Law Reform Commission notes that historic summary fine amounts are affected by the Fines Act 2010 classification. This report does not turn those provisions into a projected penalty for any hypothetical actor. [C028; S006] Law Reform+1\n\nAuthorisation can be revoked on enumerated statutory grounds, including certain sustained inactivity, false representations, serious breaches, fitness or supervisory problems, subject to statutory process. Section 35 separately addresses failure by an authorised person to observe Part V, conditions and regulations. An officer of a corporate offender has a distinct potential criminal-liability rule with statutory defences under s.36K. [C029; S017–S018, S039] Law Reform+2\n\nImportant consequence boundary: These are regulatory and criminal rules. Nothing read here establishes that a DMF violation automatically cancels the underlying creditor debt, releases collateral, voids a judgment, or creates a particular private damages remedy. Private and regulatory redress analysis is deferred.\n\n### C4. Two quantitative agency-levy examples\n\nThe Central Bank's August 2026 Funding Strategy and Guide, section 4.3, Table 6 (printed p.14; zero-based PDF page 13), places authorised DMFs in industry-funding Category C. It states:\n\n- Minimum levy: €1,198.\n- Variable formula: (A − B) × C, with B = €205,000 and C = 0.21%.\n- A is income from fees plus commissions shown in the specified return for the year ended 31 December 2024, or the most recently received preceding return.\n- Amounts are before deducting commissions payable to third parties.\n- The guide describes the 2026 billing cycle recovering 2025 supervisory costs, not a charge for a consumer's debt-management contract.\n- Newly authorised firms not yet required to file a return are assigned the stated minimum; failure to return may trigger a €4,500 default assessment that is subsequently replaced on filing.\n- Partial-year authorisations may be subject to pro-rating, and multiple authorisations may produce multiple levies. [C036–C037, C040; S034] centralbank.ie+2\n\nThe following hypothetical firms are assumed to have held the relevant permission throughout 2025, with one Category C authorisation, a valid relevant return, no pro-rating, other-category levy, waiver or adjustment. Both values are above the threshold, avoiding any unsupported below-threshold treatment.\n\nExample 1 — reported fees and commissions of €250,000\n\nA = €250,000; B = €205,000; rate C = 0.0021\n\n€250,000 − €205,000 = €45,000\n\n€45,000 × 0.0021 = €94.50 variable levy\n\nIllustrative Category C total\n\n## €1,292.50\n\n€1,198 minimum + €94.50 variable = €1,292.50Example 2 — reported fees and commissions of €500,000\n\nA = €500,000; B = €205,000; rate C = 0.0021\n\n€500,000 − €205,000 = €295,000\n\n€295,000 × 0.0021 = €619.50 variable levy\n\nIllustrative Category C total\n\n## €1,817.50\n\n€1,198 minimum + €619.50 variable = €1,817.50Legal-evidence limitation: The Bank's official calculation guide was read, but the actual text of S.I. 348/2026 could not be opened from the Irish Statute Book or the attempted official alternative. The examples therefore reproduce the regulator's published calculation, not an independently reconciled reading of every clause of the operative instrument. Actual invoices, assessment bases, pro-rating, waivers, appeals and other levies require that instrument and the firm's facts. No consumer fee, insurance premium, debt reduction or customer entitlement is inferred. [C040; S034, S040]\n\n## D. Public verification and documentary workflow\n\nThe Central Bank provides a public [register portal](https://registers.centralbank.ie/?utm_source=chatgpt.com) and a [register-download index](https://registers.centralbank.ie/downloadspage.aspx?utm_source=chatgpt.com). At the check date, the index advertised a Register of Debt Management Firms as at 22 October 2026. The index also separately listed credit-servicing, payment-institution and other sector registers. No individual entry or named company was searched. [C031; S028–S029] registers.centralbank.ie+1\n\nA consumer's hypothetical, read-only verification sequence is:\n\n1. Identify the contracting legal person. Record its exact corporate or personal legal name, trading name, address and registration identifiers from the proposed agreement or website.\n2. Map promised activities. Mark separately: budgeting advice, debt strategy, negotiating, merely introducing, collecting for a creditor, paying creditors, and performing a statutory insolvency function.\n3. Map benefits received. Ask what the provider, its affiliates and referring parties receive, from whom, and for which service—even if the first meeting is described as free.\n4. Identify the debtor and debt. Determine individual versus business capacity, microenterprise facts, creditor identity, relevant obligation and any guarantor role.\n5. Test an asserted exception. Request the charity constitution/registration information, professional-regulator details and proof of incidental work, institutional authorisation, Protocol participation/compliance, appointment, government funding or Insolvency Service authorisation as applicable.\n6. If the ordinary DMF gateway applies, compare the precise legal person with the Central Bank's DMF category and ask to inspect the authorisation letter, current conditions, permitted activities, relevant trading names and insurer confirmation.\n7. If another activity is claimed, verify that additional permission in its own category rather than treating a DMF entry as permission for payments, lending, servicing or every financial service.\n8. Flag mismatches or missing facts for independent regulatory/legal clarification before relying on the claim. A register match alone cannot verify a private agreement or settlement promise.\n\nA public listing establishes neither that a particular service is allowed under its conditions, nor that the website is genuinely operated by that firm, nor that an individual representative has an applicable statutory status. The Central Bank also warns that some EEA financial businesses operate under sector-specific passporting arrangements. That general observation is not proof of a DMF passport. [C018–C019, C031, C035, C038; S021, S028–S030]\n\nNo actual consumer agreement, authority letter, professional appointment or insurance policy was supplied or examined.\n\n## E. Statutory insolvency and geographic boundary\n\nIreland's statutory names include Debt Relief Notice (DRN), Debt Settlement Arrangement (DSA), Personal Insolvency Arrangement (PIA) and bankruptcy. They must not be relabelled with UK or US mechanisms. The current 2025 consumer-protection regulations themselves use those names in defining an “insolvency option.” [C032–C033; S032]\n\nThe Personal Insolvency Act 2012 separates:\n\n- An approved intermediary, authorised by the Insolvency Service of Ireland under section 47 for the relevant statutory functions.\n- An individually authorised personal insolvency practitioner, under section 164. That authorisation is personal, subject to statutory qualification requirements, and section 164(6) expressly says it does not authorise other Central Bank-regulated financial advisory services.\n\nSection 28(1)(f) of the 1997 Act excepts the specified persons while acting in those capacities. A private voluntary settlement consultant cannot become a statutory insolvency practitioner by changing its marketing language. Conversely, a legitimate practitioner acting within the statutory role is not necessarily required to take a separate DMF authorisation for that role. [C014, C033; S005, S035–S036] Law Reform+2\n\nThe Central Bank's published DMF standards say authorised debt-management services are to be conducted within the State, and its application guidance states that DMF authorisation is granted to persons established in the State. These are important supervisory statements, but do not comprehensively decide whether every online contact, overseas customer, foreign negotiator or cross-border arrangement amounts to carrying on the regulated activity in Ireland. The legal nexus, other-state permission, particular services and contractual location remain unresolved without more operative material. [C018–C019, C044; S020–S022] centralbank.ie+1\n\nThe European credit-servicing framework is a different service and permission category. The Central Bank describes Irish implementation of Directive (EU) 2021/2167 through the 2023 credit-servicing regulations, with a corresponding service-specific passport. That does not create a general EU passport for Irish debt-management-firm work. [C034, C044; S037] Central Bank of Ireland\n\n## Worked bounded decisions\n\nThe scenarios are hypothetical classifications, not advice to a real provider or a prediction of settlement.\n\n### Scenario 1 — “Free” introductory advice followed by a paid service; claimed charity exception\n\nFacts: An Ireland-based organisation offers free first meetings, prepares household-debt discharge plans and negotiates with creditors. A related membership programme charges for continuing assistance. It describes itself as a nonprofit.\n\nApplication:\n\n- Advice and negotiation satisfy the activity types. A connected membership charge may satisfy indirect remuneration. [C003–C004]\n- The household debtor potentially satisfies the consumer limb. [C005]\n- The organisation's nonprofit description does not prove the statutory charity exception. Inspect its legal constitution, charitable purpose, property-distribution restrictions and excluded-body status; test the exact legal person providing the service. [C009, C045]\n\nConditional result: If statutory charity status is established, the DMF excepted-person branch may apply. If not, and all other elements hold, ordinary Central Bank authorisation is the adverse branch. If no direct or indirect remuneration exists, the DMF remuneration element may fail, but that does not certify every other rule as inapplicable.\n\nMissing: Contracts, beneficial payment flows, charity constitution/registration and full activity records.\n\n### Scenario 2 — Collection agency versus debtor-appointed negotiator\n\nFacts: Company A buys an account and uses Company B to seek payments on A's behalf. Company C separately markets debt-discharge negotiations to that same debtor, charging the debtor's employer a service fee.\n\nApplication:\n\n- B's genuine creditor-side collection function is not automatically debtor-side DM advice. The credit-servicing gateway needs separate testing. [C034]\n- C is negotiating with the debtor's creditors for the debtor, and its employer-funded compensation can still constitute remuneration. [C003–C004]\n- The employer's payment does not alone prove C is excepted. [C016]\n\nConditional result: C may need DMF authorisation; B may need a different servicing authorisation, or fall outside that separate category depending on the precise credit/debt and structure. Neither conclusion determines whether the debt is collectible.\n\nMissing: Ownership and servicing agreements, customer mandate, compensation contracts, loan type and creditor/client identities.\n\n### Scenario 3 — Foreign remote adviser targeting an Irish resident\n\nFacts: An adviser established outside Ireland advertises to Irish residents, holds video consultations abroad, sends suggested repayment terms and negotiates by email. It displays a foreign licence.\n\nApplication:\n\n- The described activity and potential remuneration satisfy the substantive DMF-type activity test if the recipient is a qualifying consumer. [C003–C005]\n- The Bank's standards and guidance impose Irish-place/establishment expectations on its authorised DMFs. [C018–C019]\n- A foreign authorisation is not automatically proof that this activity may be provided into Ireland. Nor do the sources read establish a conclusive jurisdictional test for every online interaction. [C044]\n\nConditional result: Unresolved territorial nexus and permission. Hold any statement that the foreign licence is sufficient or that the arrangement is categorically outside Irish law.\n\nMissing: Country of establishment, actual work locations, targeted market, contracting entity, domestic representation, activity performed in Ireland and the foreign permission's statutory scope.\n\n### Scenario 4 — Sole trader, company debt and personal guarantee\n\nFacts: An individual runs a sole-trader business and seeks to renegotiate trade debts. They also guaranteed a separate company loan.\n\nApplication:\n\n- Their solely commercial activity does not automatically meet the individual otherwise-than-business limb. [C005]\n- Their enterprise could nonetheless be a microenterprise, depending on current headcount, turnover/balance sheet, linked enterprises and calculation period. [C006]\n- The guarantee must be analysed as a distinct obligation: whose legally enforceable debt, in what capacity, and whether the service is provided to a statutory consumer. [C042]\n\nConditional result: Potential coverage if the microenterprise criteria and other DMF elements hold; potentially outside this DMF definition if neither consumer limb applies. No finding is made on the enforceability or amount of the guarantee.\n\nMissing: Accounts, staff and linked-entity data, guarantee deed, demand history, entity identities and actual service mandate.\n\n### Scenario 5 — A private “insolvency specialist” versus an authorised statutory practitioner\n\nFacts: A company offers a voluntary settlement plan and says one employee is a personal insolvency practitioner. It also offers to initiate a statutory PIA.\n\nApplication:\n\n- Private paid negotiation by the company is tested against the DMF definition and company-level exception, not simply an employee's title. [C003, C014]\n- A genuine personally authorised PIP acting as such falls within the narrower statutory exception for that function. [C033]\n- The PIP's individual authorisation does not automatically license the company to carry on all private financial advice. [C033]\n\nConditional result: Separate the statutory mandate from the commercial company's nonstatutory services; test each legal person and permission independently.\n\nMissing: ISI authorisation/appointment documentation, exact engagement parties, scope of work and service agreements.\n\n### Scenario 6 — Payment routing with no advice, then service expansion\n\nFacts: A technical platform only sends consumer-instructed payments to creditors. It later adds personalised repayment plans and creditor negotiation.\n\nApplication: Pure payment routing does not itself demonstrate the s.28 advice or negotiation elements. The added service may. Payment permission remains a separate inquiry in either state. [C003, C035, C043]\n\nConditional result: A possible initial non-DMF branch becomes a possible covered DMF branch upon expansion. The platform cannot rely on a DMF authorisation as blanket authority to receive or safeguard money.\n\nMissing: Funds flow, client ownership of funds, payment execution contracts, financial-service permissions, employee scripts and change-of-service date.\n\n# Source register — C_IE-P01-S001–S043\n\nReading convention: `Body` means relevant operative body text was actually opened and read. `Guidance` is the regulator's own published interpretation or standard, not an enacted Act merely because it is official. `Failed/discovery` cannot independently support a material legal proposition. For PDFs, printed page and zero-based PDF index are separated. For HTML, both are N/A.\n\nAll open/read dates below are 26 October 2026. A source's publication or consolidation date is distinct from its legal effective date.\n\n| ID | Issuer; title; full literal direct URL | Pinpoint; version, jurisdiction and evidence status |\n| --- | --- | --- |\n| S001 | Law Reform Commission; Central Bank Act 1997, revised front. [https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html?utm_source=chatgpt.com) | Front, revision metadata. Body read. Revised through 1 Aug 2026; Acts and SIs considered as stated there. Administrative consolidation disclaimer. Ireland; Part V DMF plus adjacent categories. PDF N/A. |\n| S002 | Law Reform Commission; Central Bank (Supervision and Enforcement) Act 2013, revised front. [https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html](https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html?utm_source=chatgpt.com) | Front, revision metadata. Body read. Revised through 7 July 2026; administrative consolidation. Ireland, amending Act; PDF N/A. |\n| S003 | Law Reform Commission; 2013 Act, s.59(a)–(b). [https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html](https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html?utm_source=chatgpt.com) | Definitions and exceptions introduced into 1997 Act s.28. Body read; commenced 1 Aug 2013 under S004. Ireland; consumers and DMF activities. PDF N/A. |\n| S004 | Irish Statute Book; S.I. 287/2013, Commencement Order. [https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf](https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf?utm_source=chatgpt.com) | Article 2: printed p.2 / PDF index 1. Made 25 July 2013; commencement 1 Aug 2013 except s.72. Operative PDF body read, four pages. |\n| S005 | Law Reform Commission; 1997 Act s.28(1). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html?utm_source=chatgpt.com) | Consumer, DMF, services, remuneration, excepted persons, qualifying shareholder, credit-servicing definitions. Body read, revision governed by S001; PDF N/A. |\n| S006 | Law Reform Commission; 1997 Act s.29(1)–(5). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html?utm_source=chatgpt.com) | Authorisation prohibition, offences, excepted-person rule, fines editorial notes, 2026 amendment annotation. Body read; PDF N/A. |\n| S007 | Law Reform Commission; 1997 Act s.34D(1)–(3). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html?utm_source=chatgpt.com) | Historic transitional DMF authorisation. Body read; inserted effective 1 Aug 2013; PDF N/A. |\n| S008 | European Commission; SME definition. [https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl](https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl&utm_source=chatgpt.com) | “SME definition” table and linked-enterprise warning. Official explanatory body read. Original Recommendation Annex not directly accessible; not itself operative incorporation text. EU definition used by Irish s.28; PDF N/A. |\n| S009 | Law Reform Commission; Charities Act 2009 s.2(1). [https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html](https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html?utm_source=chatgpt.com) | Charitable organisation/trust, constitution, excluded-body definitions. Body read; Irish exception predicate; PDF N/A. |\n| S010 | Law Reform Commission; Charities Act 2009 s.39(1)–(4), (16). [https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html](https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html?utm_source=chatgpt.com) | Charity register and activity-in-State application gateway. Relevant body read; separate from DMF authorisation; PDF N/A. |\n| S011 | Law Reform Commission; 1997 Act s.30(1)–(3). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html?utm_source=chatgpt.com) | Application, documents, fee if prescribed, information notice. Body read; PDF N/A. |\n| S012 | Law Reform Commission; 1997 Act s.31(1)–(7). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html?utm_source=chatgpt.com) | Grant/refusal grounds, notice/reps, registration. Body read; PDF N/A. |\n| S013 | Law Reform Commission; 1997 Act s.31A(a)–(g). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html?utm_source=chatgpt.com) | Owners, managers, resources, supervision and organisation. Body read; PDF N/A. |\n| S014 | Law Reform Commission; 1997 Act s.32(1)–(2). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html?utm_source=chatgpt.com) | Effect and term of permission. Body read; PDF N/A. |\n| S015 | Law Reform Commission; 1997 Act s.33(1)–(2). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html?utm_source=chatgpt.com) | Conditions and annexes. Body read; PDF N/A. |\n| S016 | Law Reform Commission; 1997 Act s.33A(1)–(5). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html?utm_source=chatgpt.com) | Bank supervisory conditions, qualifications and DMF PII enabling power. Body read; PDF N/A. |\n| S017 | Law Reform Commission; 1997 Act s.35(1)–(2). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html?utm_source=chatgpt.com) | Failure to comply with conditions, offence and fines editorial note. Body read; PDF N/A. |\n| S018 | Law Reform Commission; 1997 Act s.36A(1)–(following procedural provisions). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html?utm_source=chatgpt.com) | Revocation grounds including inactivity, breach, probity. Relevant body read; process not exhaustively worked into a case deadline. PDF N/A. |\n| S019 | Law Reform Commission; 1997 Act s.36F(1)–(4). [https://revisedacts.lawreform.ie/eli/1997/act/8/section/36F/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/36F/revised/en/html?utm_source=chatgpt.com) | Records at notified Irish office and notified retention. Body read; PDF N/A. |\n| S020 | Central Bank; Authorisation Requirements and Standards for Debt Management Firms. [https://www.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/gns-4-4-6-2-requirements-and-standards-dmfd22eb8134644629bacc1ff0000269695.pdf?sfvrsn=4](https://www.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/gns-4-4-6-2-requirements-and-standards-dmfd22eb8134644629bacc1ff0000269695.pdf?sfvrsn=4&utm_source=chatgpt.com) | Body read. 18-page PDF. §1.3 printed p.3/PDF 2; solvency §2 and PII §3 printed p.6/PDF 5; locations §8 printed p.13/PDF 12; records §9 printed pp.13–14/PDF 12–13. Originally 2013 standards still linked on current authorisation page. Historical references to 2011/2012 codes superseded. |\n| S021 | Central Bank; DMF authorisation process. [https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/authorisation-process](https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/authorisation-process?utm_source=chatgpt.com) | Current application phases, IQ/PCF and service standards. Guidance body read; page last updated 21 Aug 2026. No application made. PDF N/A. |\n| S022 | Central Bank; Guidance Note on Completing an Application for Authorisation as a DMF. [https://edit.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/dmf-guidance-note.pdf?sfvrsn=35bd61d_2](https://edit.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/dmf-guidance-note.pdf?sfvrsn=35bd61d_2&utm_source=chatgpt.com) | Body read, 25-page PDF, especially printed pp.3–4/PDF 2–3; establishment-in-State statement. Older document refers to superseded codes; historical guidance, not unqualified current law. |\n| S023 | Law Reform Commission; Central Bank Reform Act 2010 s.21(1)–(5). [https://revisedacts.lawreform.ie/eli/2010/act/23/section/21/revised/en/html](https://revisedacts.lawreform.ie/eli/2010/act/23/section/21/revised/en/html?utm_source=chatgpt.com) | Controlled-function fitness/probity certificate and written agreement. Body read; PDF N/A. |\n| S024 | Law Reform Commission; 2010 Act s.23(1)–(3). [https://revisedacts.lawreform.ie/eli/2010/act/23/section/23/revised/en/html](https://revisedacts.lawreform.ie/eli/2010/act/23/section/23/revised/en/html?utm_source=chatgpt.com) | Written approval for applicable PCF appointments, subject to linked qualifications. Body read; PDF N/A. |\n| S025 | Central Bank; Fitness and Probity Standards, Nov 2025. [https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fitness-probity/fitness-and-probity-standards-2025.pdf](https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fitness-probity/fitness-and-probity-standards-2025.pdf?utm_source=chatgpt.com) | Body read, 17 pages: version printed p.2/PDF 1, scope/legal basis printed p.4/PDF 3, applicability and exceptions on subsequent pages. Issued under 2010 Act s.50; professional standards, not firm licence. |\n| S026 | Central Bank; recognised minimum-competency qualifications. [https://www.centralbank.ie/regulation/how-we-regulate/authorisation/minimum-competency/qualifications](https://www.centralbank.ie/regulation/how-we-regulate/authorisation/minimum-competency/qualifications?utm_source=chatgpt.com) | Part 3, specified function “providing debt management services”; two listed designations. Official body read; current webpage, not standalone authorisation. PDF N/A. |\n| S027 | Central Bank; DMF reporting requirements. [https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/reporting-requirements](https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/reporting-requirements?utm_source=chatgpt.com) | Annual return and conditional submission timing; multiple permissions, breach and ad hoc reporting. Guidance body read; PDF N/A. |\n| S028 | Central Bank register portal. [https://registers.centralbank.ie/](https://registers.centralbank.ie/?utm_source=chatgpt.com) | General public lookup entry point. Landing body opened, no firm searched. Dynamic result contents unexamined. PDF N/A. |\n| S029 | Central Bank register downloads. [https://registers.centralbank.ie/downloadspage.aspx](https://registers.centralbank.ie/downloadspage.aspx?utm_source=chatgpt.com) | DMF category and snapshot dated 22 Oct 2026. Index body read; underlying named-entry PDF deliberately not opened or searched. PDF N/A for index. |\n| S030 | Central Bank; unauthorised firms/public status guidance. [https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms](https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms?utm_source=chatgpt.com) | General register verification, impersonation and sector-dependent EEA passport caution. Guidance body read, no named search. PDF N/A. |\n| S031 | Central Bank; introduction to DMFs. [https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms](https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms?utm_source=chatgpt.com) | DMF overview, distinct client-funds authorisation warning. Guidance body read; legacy 2009 payment-law example not relied on as current. PDF N/A. |\n| S032 | Central Bank; online reproduction of S.I. 81/2025, Part 1. [https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general](https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general?utm_source=chatgpt.com) | Regulation 1(1)–(2), formal 2025 name and 24 Mar 2026 commencement. Operative regulation body read on regulator site; Irish Statute Book PDF access failed. PDF N/A for this HTML. |\n| S033 | Central Bank; online reproduction of S.I. 81/2025, Part 3 Chapter 12. [https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements](https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements?utm_source=chatgpt.com) | Regs. 286–287, 299 and adjacent Chapter 12 read for scope/negotiation-only branch. Remaining fee, contract and conduct provisions observed but intentionally not analysed as this pass's findings. Operative HTML; PDF N/A. |\n| S034 | Central Bank; Consumer Protection Code Review. [https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review](https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review?utm_source=chatgpt.com) | Implementation and revocations; 2025 Code effective 24 Mar 2026, 2012 Code revoked 23 Mar 2026. Regulator history/read, not an independent enactment. Page updated Aug 2026. |\n| S035 | Central Bank; Funding Strategy and Guide to the 2026 Industry Funding Regulations. [https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fees-levies/industry-funding-levy/guidance/funding-strategy-and-guide-to-the-2026-industry-funding-regulations-%28002%29.pdf?Status=Master&sfvrsn=1284761a_3](https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fees-levies/industry-funding-levy/guidance/funding-strategy-and-guide-to-the-2026-industry-funding-regulations-%28002%29.pdf?Status=Master&sfvrsn=1284761a_3&utm_source=chatgpt.com) | August 2026 guide body read, 29-page PDF. §2 printed p.5/PDF 4; pro-rating printed p.8/PDF 7; §4.3 Table 6 printed p.14/PDF 13. Describes levy for 2025 costs billed in 2026; not itself the SI. |\n| S036 | Law Reform Commission; Personal Insolvency Act 2012 s.47(1), (5)–(6). [https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html](https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html?utm_source=chatgpt.com) | Insolvency Service authority for approved intermediaries and regulation of that role. Body read. Other subsections observed; consumer fee detail not developed. PDF N/A. |\n| S037 | Law Reform Commission; Personal Insolvency Act 2012 s.164(1)–(6). [https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html](https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html?utm_source=chatgpt.com) | PIP personal authorisation, eligibility safeguards, five-year maximum current term, prohibition on using it for other CBI-regulated advice. Body read; PDF N/A. |\n| S038 | Central Bank; credit-servicing authorisation process. [https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process](https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process?utm_source=chatgpt.com) | Separate Part V/2023 servicing frameworks and service-specific EU rights. Regulator body read, not full 2023 implementing instrument. PDF N/A. |\n| S039 | Central Bank; DMF supervision process. [https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process](https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process?utm_source=chatgpt.com) | Current supervision, 2025 consumer-code linkage and conditions context. Guidance body read; PDF N/A. |\n| S040 | Irish Statute Book; S.I. 348/2026, Central Bank Act 1942 (Section 32D) Regulations 2026. [https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf](https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com) | Failed to open; official HTML/print and one official alternative [https://www.legislation.ie/eli/2026/si/348/made/en/pdf](https://www.legislation.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com) also inaccessible. The Bank's S035 was read instead. No claim that SI body was read. |\n| S041 | Irish Statute Book; S.I. 64/2026, FSPO industry levy regulations. [https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf](https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf?utm_source=chatgpt.com) | Discovery-only/failed to open. Search indicated a distinct possible annual levy; its legal base and current calculation are not adopted. |\n| S042 | EUR-Lex; Commission Recommendation 2003/361/EC. [https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361&utm_source=chatgpt.com) | Failed/robot-blocked during direct-read attempt. Exact Annex calculations and linked enterprises must be retrieved directly for borderline cases; S008 is only the official Commission explanation. |\n| S043 | Insolvency Service of Ireland, public practitioner directory/general material. [https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/](https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/?utm_source=chatgpt.com) | 403/fetch failure; public directory described in discovery material but no entries or named persons searched. Statutory authorisation established through S036–S037, not this inaccessible page. |\n\nAdditional bounded discovery gap: an exact-title official search for the 2 August 2012 Protocol found statutory and regulatory references but no fully read operative Protocol with amendments. It is therefore not represented as an opened source or as proof of a particular party's exception. No general judicial case or enforcement decision was necessary to establish the basic statutory test; none was searched, and this makes no claim about the existence or absence of precedents.\n\n# Atomic claim register — C_IE-P01-C001–C050\n\nEach claim is limited to Ireland, the actor/capacity and legal period stated or incorporated in its source. “If covered, authorisation required” means only when every statutory DMF element is satisfied and no excepted-person provision applies. It is not a judgment about a real person.\n\n| Claim ID | Atomic statement; predicates, act/consequence and limits | Source/pinpoint |\n| --- | --- | --- |\n| C001 | The current source basis is a revised 1997 Act consolidated to 1 Aug 2026 and a 2013 Act consolidated to 7 Jul 2026; these are administrative texts and do not warrant complete post-cutoff currency. | S001 front; S002 front |\n| C002 | The 2013 DMF amendment commenced on 1 Aug 2013, not merely when the Act was published or enacted. | S003 s.59; S004 art.2, printed p.2/PDF 1 |\n| C003 | DM services include advice on whole/partial debt discharge, debt-connected budgeting, negotiations with creditors and similar discharge activity; negotiation-only may therefore trigger classification. | S005 s.28(1), “debt management services” (a)–(c); S033 regs.287, 299 |\n| C004 | Remuneration includes direct/indirect commission or payment, including payment for a different service resulting in apparently free DM work; identify economic recipient and purpose. | S005 s.28(1), “remuneration” |\n| C005 | The licensing definition of consumer includes an individual acting outside business or a microenterprise; capacity and enterprise size must be tested. | S005 s.28(1), “consumer” (a)–(b); S003 s.59(b) |\n| C006 | The Commission's explanatory microenterprise threshold is staff below 10 and turnover or balance sheet no more than €2m, with group attribution potentially material; exact Recommendation Annex unresolved. | S008 table and group caveat; S042 inaccessible |\n| C007 | The DM-service limb is expressed as discharge of “debts” without an express unsecured/card-only list; this does not determine substantive treatment of any particular debt product, secured claim or public liability. | S005 s.28(1), service definition (a)–(c); inference limited to statutory text |\n| C008 | A creditor enforcing its own claim or its collector is not, merely by taking payment, providing a discharge service to the debtor; actual beneficiary, mandate and activities control the inference. Separate credit-servicing rules may apply. | S005 s.28(1) DM and credit-servicing definitions; S038 framework; classification inference |\n| C009 | Charitable organisation is excepted, but the definition in the Charities Act has substantive charitable-purpose, asset-use and excluded-body predicates. “Nonprofit” is not sufficient proof. | S005 excepted (a); S009 s.2(1) |\n| C010 | MABS is specifically an excepted person; a different provider using similar descriptions does not acquire that statutory identity. | S005 excepted (b); S006 s.29(5)(b) |\n| C011 | A licensed bank, building society, credit union or friendly society is an excepted person; verify actual status and responsible legal person. | S005 excepted (c) |\n| C012 | Barrister, solicitor or accountant exception requires services to be only incidental and the professional to be subject to regulation by a professional body. | S005 excepted (d) |\n| C013 | The Protocol exception requires party status and provision of advice according to the 2 Aug 2012 Protocol as amended. Full operative Protocol not read; no broader exemption claimed. | S005 excepted (e) |\n| C014 | ISI, a s.47 approved intermediary acting as such, and a PIP authorised under Part 5 practising as such are statutory excepted persons in those capacities. | S005 excepted (f); S036 s.47(1); S037 s.164 |\n| C015 | Section 28 additionally lists personal representatives, qualifying trustees, CBI, An Post, NAMA, NTMA, historical National Consumer Agency and persons constituted/holding office under enactment or funded in whole/part by a Minister; each factual condition must be documented. | S005 excepted (g)–(n); s.28 annotations |\n| C016 | Excepted persons are not treated as carrying on the DMF regulated business; exclusion from this one category is not blanket immunity under all financial or professional rules. | S006 s.29(5)(b); S005 exceptions |\n| C017 | A third-party payer/referrer, paid ancillary service or free consultation must be analysed for indirect remuneration, not assumed dispositive either way. | S005 “remuneration”; application inference |\n| C018 | Bank standards state DMF services must be conducted within the State; individual authorisation conditions remain material. This is not a complete extraterritorial statute. | S020 §1.3–1.4, printed p.3/PDF 2 |\n| C019 | Bank application guidance says DMF authorisation is granted only to persons established in the State; remote nexus and foreign licence recognition are not conclusively resolved by that guidance alone. | S022 printed p.4/PDF 3; S021 process |\n| C020 | A non-excepted covered person must seek the relevant CBI authorisation; application uses Bank-specified form/documents and fee if prescribed. No current specific application amount established. | S006 s.29(1); S011 s.30(1)–(3) |\n| C021 | Bank grant/refusal is governed by s.31's enumerated predicates and proposed-refusal/reps process; application alone is not permission. | S012 s.31(1)–(7) |\n| C022 | Firm authorisation scrutiny includes owner/manager competence and probity, staffing, systems and financial resources; applicable controlled functions and PCFs have separate personal approval/certification rules. | S013 s.31A(a)–(g); S023 s.21; S024 s.23; S025 scope |\n| C023 | Granted permission operates subject to its particular conditions and continues until lawful revocation; authorisation and annexes define scope. | S014 s.32; S015 s.33; S016 s.33A |\n| C024 | Current-linked Bank DMF standards specify PII €1.25m per claim and €1.85m aggregate per policy period, insurer confirmation before commencing and annually, plus ability to bear excess. This is not a bond or promised payment to a particular customer. | S016 s.33A(5); S020 §3.1–3.3, printed p.6/PDF 5 |\n| C025 | DMF standards require obligations to be met when due and balance-sheet assets above liabilities under their stated exclusion of intangibles; the requirement is not a fixed statutory cash deposit. | S020 §2, printed p.6/PDF 5 |\n| C026 | Required records must be held at notified offices in Ireland and retained for relevant periods; Bank standards state a five-year minimum with record-type-specific starting events. | S019 s.36F; S020 §9, printed pp.13–14/PDF 12–13 |\n| C027 | The Bank requires a DMF annual return tied to firm year-end, ordinarily within six months; other authorised categories have independent return duties. Actual entity deadline requires its facts. | S027 “DMF Return” and “Multiple Authorisations”; S020 §5.2 |\n| C028 | Conducting a covered regulated business without authorisation is prohibited and an offence; continuing after conviction has a further statutory offence mechanism. Fine reclassification notes prevent blindly repeating old summary amounts. | S006 s.29(1)–(3), editorial notes E37–E38 |\n| C029 | Breach of conditions by an authorised holder can be an offence; CBI may revoke under enumerated s.36A grounds. Corporate-officer liability has stated statutory defences, not automatic guilt. | S017 s.35; S018 s.36A; s.36K (see source note below) |\n| C030 | The three-month 2013 transitional route applied only to qualifying pre-existing firms and is not a current new-applicant route. | S007 s.34D(1)–(3); S004 art.2 |\n| C031 | CBI has a separate DMF public-register category, advertised snapshot 22 Oct 2026; any listing is point-in-time and no proof of every service, actor, condition or result. | S029 DMF category; S028 portal; S030 register guidance |\n| C032 | S.I. 81/2025 took effect 24 Mar 2026, with Chapter 12 applying to DMFs and a conduct distinction for negotiation-only work; it does not remove negotiation from the licensing definition. Older 2012 Code is superseded. | S032 reg.1(2); S033 regs.286–287, 299; S034 revocation history |\n| C033 | ISI separately authorises statutory approved intermediaries and PIPs; PIP authorisation is personal and does not cover other CBI-regulated advisory services. | S036 s.47; S037 s.164(1)–(6) |\n| C034 | Creditor-side servicing can be subject to a separate Irish credit-servicing framework and a service-specific EU scheme; it is not automatically DMF activity or DMF permission. | S005 credit-servicing definition; S038 §§Credit Servicing Firms/Credit Servicers; separate implementing SI not fully read |\n| C035 | CBI warns that DMF permission alone does not authorise holding client funds; payment/money-transmission permission must be separately established. Detailed payment law deferred. | S031 introduction; S029 separate register categories |\n| C036 | Bank's August 2026 Category C guide specifies the €1,198 minimum, €205,000 threshold, 0.21% variable rate, prescribed reporting-year base, default assessment and possible multiple levies/pro-rating. | S035 §2, §4.3 Table 6, printed pp.5,8,14/PDF 4,7,13 |\n| C037 | Under expressly assumed full-year/single-category circumstances, A=€250,000 gives €1,292.50 and A=€500,000 gives €1,817.50 by the Bank's Category C guide. These are researcher calculations, not invoice determinations. | S035 Table 6; arithmetic displayed above |\n| C038 | Verification must identify legal contracting person, actual service, direct/indirect benefits, debtor capacity, exception evidence and specific permission. This is a research workflow inference, not a prescribed statutory consumer form. | S005–S006 definitions; S015 authorisation conditions; S029–S030 verification |\n| C039 | No source establishes guaranteed creditor participation, debt cancellation, debt-reduction percentage, security release or judgment invalidity from DMF engagement or violation. The current conduct regulations separately acknowledge a creditor may decline concessions. | S033 reg.300(4), esp. creditor-acceptance warning; limits of S006 |\n| C040 | S.I. 348/2026 operative text was inaccessible; S035 is an official Bank guide, not the enacted SI. A separate possible FSPO levy appeared in discovery but its 2026 operative text was also not read. Cost conclusions therefore remain qualified. | S035; S040–S041 failed/discovery |\n| C041 | The Bank identifies two qualifications for the specified DM-services function, but a person's relevant qualification is not the firm's authority; actual role and minimum-competency applicability must be tested. | S026 Part 3; S021 pre-application section |\n| C042 | The s.28 text does not state an automatic rule for every guarantor; establish a debtor obligation and the person's individual/nonbusiness or microenterprise capacity before classifying. | S005 consumer and services definitions; expressly bounded inference |\n| C043 | Payment-distribution-only conduct without debt advice/negotiation does not, on those facts alone, establish the DM-service definition; separate permissions remain possible. Adding advice or negotiation changes the classification. | S005 s.28 DM definition; S031 separate money warning; inference |\n| C044 | An EU credit-servicer passport, foreign financial permission or Northern Ireland regulatory status does not itself establish permission for Irish DMF services. Complete cross-border conflict rules are outside this pass. | S020 §1.3; S022 establishment guidance; S038 distinct servicer framework |\n| C045 | Charities Act s.39 provides a separate public charity-registration mechanism. A registration record is one evidential input, not a blanket certificate of unrelated financial permissions. | S009 s.2(1); S010 s.39(1)–(4) |\n| C046 | DMF standards require governance, controlled outsourcing, relevant branch/location approvals and supervisory records; an outsourced function does not automatically remove the firm's responsibility. Individual annex conditions control. | S020 §§4–9, especially printed pp.7–14/PDF 6–13; S039 |\n| C047 | CBI describes multi-stage authorisation and a 90-working-day assessment service standard after a complete relevant submission, with pauses/exceptions; this is not a guaranteed approval date. | S021 Stages 1–6 and Service Standards |\n| C048 | Current fitness/probity rules address applicable people/functions; exemption from an individual standard must not be misread as exemption from DMF firm authorisation. | S023–S025; S021 |\n| C049 | Personal voluntary advice and the exact Irish statutory insolvency capacities are separate pathways; no full process, eligibility, creditor vote, court or discharge conclusion is made. | S005 excepted (f); S033 reg.286; S036–S037 |\n| C050 | This component determines the perimeter/authorisation gateway only. Contract legality, consumer fees, funds, complaints, remedies and underlying debts require separately opened controlling sources and private facts. | Research scope limitation; no affirmative substantive law finding |\n\nAdditional pinpoint for C029: the read Law Reform Commission text of 1997 Act s.36K(1)–(3) is at [https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html](https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html?utm_source=chatgpt.com), access 26 October 2026, revised status governed by S001, HTML/no PDF page. It provides the corporate-officer offence rule and its knowledge/reasonable-precautions branches. This direct URL is an extension to source S018 for C029, not a separate unregistered unseen authority. Law Reform\n\n# Granular coverage register — A–F and geographical boundaries\n\nHere, answered means this focused classification point has a substantive source-backed conclusion at the recorded source currency—not that every live case or later amendment is resolved. Partial means the principal branch is determined but a material predicate or operative authority remains unread. Unresolved is a genuine evidence gap. Excluded_with_reason is intentionally deferred to a separate pass.\n\n### A. Operative perimeter and currency\n\n| Issue | Status | Finding location and exact claims | Missing evidence; next focused action |\n| --- | --- | --- | --- |\n| A01 Legal DMF category and authority | answered | A1, C003–C005, C020 | Recheck at publication against legislation after Aug 2026 consolidation |\n| A02 Advice, budgeting, negotiations, similar activity | answered | A1, C003 | Fact-specific service description needed for application |\n| A03 Negotiation without wider advice | answered | A1, 2026 note, C003, C032 | Later conduct pass to analyse reg.299 consequences |\n| A04 Direct/indirect benefit and nominally free work | answered | A1, B2, C004, C017 | Actual income and affiliated-payment documentation |\n| A05 Nonbusiness individual | answered | A1, C005 | Actual capacity for each obligation |\n| A06 Microenterprise limb | partial | A1, C005–C006 | Direct full Commission Recommendation Annex, affiliation/accounting rules |\n| A07 Sole trader and business-purpose branch | partial | A1, Scenario 4, C005–C007, C042 | Debtor's business capacity and Annex calculation |\n| A08 Incorporated commercial entity branch | partial | A1, C005–C007 | Staff, accounts, linked enterprises; separate sector law |\n| A09 Guarantor debt | unresolved | A1, Scenario 4, C042 | Obligation/deed and Irish guarantee classification research |\n| A10 Debt-category/credit-purpose limitation | partial | A1, C007 | Product-specific definitions and exclusions in next debt-product passes |\n| A11 Creditor, collector, purchaser distinction | partial | B2, Scenario 2, C008, C034 | Full servicing SI and specific mandate |\n| A12 Irish territorial nexus | partial | E, Scenario 3, C018–C019, C044 | Further territorial case law, CBI conditions and online fact patterns |\n| A13 Commencement | answered | A2, C002 | None for 2013 core commencement; later amendments separately |\n| A14 Historical transitional route | answered | A2, C030 | Historic applicant facts only; not current route |\n| A15 Amendment/consolidation currency | partial | A2, C001, C032 | Official subsequent Oct 2026 amendment sweep before publishing |\n| A16 Future/proposed/expired distinction | partial | A2, 2026 note, C001, C032 | Reopen post-Aug instruments and any newly commenced amendments |\n\n### B. Actors and exemptions\n\n| Issue | Status | Finding location and exact claims | Missing evidence; next focused action |\n| --- | --- | --- | --- |\n| B01 Statutory exhaustive excepted-person list | answered | B1, C009–C015 | Factual proof per branch, not new generic carve-out |\n| B02 Charities and nonprofit claims | partial | B1, C009, C045 | Full constitution, actual statutory status and any later charity amendments |\n| B03 MABS | answered | B1, C010 | Verify real provider identity only in actual case |\n| B04 Banks/building societies/credit unions/friendly societies | answered | B1, C011 | Particular institution and service role |\n| B05 Barrister/solicitor/accountant | partial | B1, C012 | Incidental-work test on actual facts; profession-specific rules next |\n| B06 Mortgage-forbearance Protocol | unresolved | B1, C013 | Retrieve signed/current Protocol and amendments, party criteria |\n| B07 Insolvency Service / approved intermediary / PIP | answered | B1, E, C014, C033 | Actual person's statutory capacity and present appointment |\n| B08 Estate representatives and trustees | partial | B1, C015 | Succession/trust documents and separate fiduciary law |\n| B09 Public statutory/funded actors | partial | B1, C015 | Enactment, appointment, funding and transferred-function provenance |\n| B10 Free private advisers | answered | A1, B2, C004, C016–C017 | Actual payments and separate obligations; no blanket classification |\n| B11 Own creditor and debt purchaser | partial | B2, C008, C034 | Full product and servicing-permission pass |\n| B12 Creditor-side debt collectors | partial | B2, Scenario 2, C008, C034 | Full SI 644/2023 and related actor exceptions |\n| B13 Referral-only actor | partial | B2, C017, C043 | Actual referral and service flows; separate intermediary rules |\n| B14 Payment-distribution-only actor | partial | B2, Scenario 6, C035, C043 | Payment services/money transmission law in deferred pass |\n| B15 Employment/subcontracted representative | partial | B2, D, C022, C038, C046 | Actual employer, outsourcing mandate, CF/PCF role and conditions |\n| B16 Foreign licence or professional title | partial | B2, E, C012, C019, C044 | Exact jurisdiction and activity authority; no automatic recognition |\n\n### C. Authorisation and safeguards\n\n| Issue | Status | Finding location and exact claims | Missing evidence; next focused action |\n| --- | --- | --- | --- |\n| C01 Competent authorising body | answered | C1, C020 | No real application |\n| C02 Firm authorisation versus other permission | answered | C1, B2, C020, C023, C034–C035 | Actual scope letter and other regimes |\n| C03 Representative/intermediary substitute | unresolved | C1, C020, C038 | Targeted enacted-law search for a relevant specific route; none established here |\n| C04 Application form, documents, conditional charge | partial | C1, C020 | Current applicable fee SI for DMF-specific application amount |\n| C05 Grant/refusal substantive and procedural rules | answered | C1, C021 | Actual notice/application not available |\n| C06 Organisational and financial qualification | answered | C2, C022, C025 | Applicant accounts/ownership |\n| C07 PCF, controlled functions and fitness/probity | answered | C2, C022, C048 | Particular functions and personal status |\n| C08 Individual minimum competency | partial | C2, C041 | Applicable functions, complete current code/addenda and actual qualification |\n| C09 PII enabling power and minimum cover | answered | C2, C024 | Policy exclusions, excess and actual insurer confirmation |\n| C10 Solvency calculation | answered | C2, C025 | Actual balance sheet and Bank-specific conditions |\n| C11 Records and record location | answered | C2, C026 | Actual written notification/retention schedule |\n| C12 Governance and outsourcing | answered | C2, C046 | Actual annexes and outsourced-function facts |\n| C13 Branch/location and additional activity | partial | C2, C046 | Current authorisation annex and applicable post-authorisation approval |\n| C14 Annual supervisory returns | answered | C2, C027 | Entity year-end and actual reporting conditions |\n| C15 Unauthorised-business consequence | answered | C3, C028 | Actual charges/posture or sanctions not researched |\n| C16 Condition breach and revocation | answered | C3, C029 | Procedure in an actual decision not analysed |\n| C17 Agency annual levy formula | partial | C4, C036–C040 | Read full SI 348/2026 and any additional applicable levy SI |\n| C18 Authorisation application fee | unresolved | C1, C020, C040 | Retrieve DMF-specific fee instrument; do not infer zero |\n| C19 Separate FSPO levy/other agency cost | unresolved | C4, C040 | Read S.I. 64/2026 and its charging predicates |\n| C20 Consumer bond or guaranteed deposit | unresolved | C2, C024–C025 | No such requirement established here; do not infer inexistence |\n| C21 Service-standard timing | answered | C1, C047 | A non-binding target, not an individual deadline |\n| C22 Statutory transition and continuing permission | answered | A2, C023, C030 | Actual present authorisation must still be verified |\n\n### D. Public checks and documentation\n\n| Issue | Status | Finding location and exact claims | Missing evidence; next focused action |\n| --- | --- | --- | --- |\n| D01 DMF public register exists | answered | D, C031 | No individual result inspected |\n| D02 Category versus general financial-service registration | answered | D, C023, C031, C034–C035 | Individual permission/annex needed |\n| D03 Snapshot/currentness and identity impersonation | answered | D, C031, C038 | Current entry, exact legal/trading name and issuer verification |\n| D04 Professional exemption evidence | partial | D, C012, C038 | Professional-regulator and work-incidental proof |\n| D05 Charity/public-body proof | partial | D, C009, C015, C045 | Governing documents, public funding or statutory constitution |\n| D06 Statutory insolvency person verification | partial | D, C014, C033 | ISI current directory unavailable; no named lookup |\n| D07 Remote/foreign authority documents | partial | D, Scenario 3, C019, C044 | Foreign statute, permission and nexus facts |\n| D08 No contract supplied | unresolved | D, C038, C050 | Obtain particular document only with later user authority; none here |\n| D09 General precedent or enforcement case | excluded_with_reason | Research limits, C050 | No actual case dispute or case investigation requested |\n| D10 No person/provider/licence search | excluded_with_reason | Method and D, C031 | Explicit privacy/scope restriction; none conducted |\n\n### E. Insolvency, EU and geography\n\n| Issue or jurisdiction | Status | Finding location and exact claims | Missing evidence; next focused action |\n| --- | --- | --- | --- |\n| E01 Republic of Ireland | answered | A–E, C001–C005, C020 | Only focused DMF authorisation component |\n| E02 Statutory DRN, DSA, PIA and bankruptcy names | answered | E, C033, C049 | Eligibility/process deferred |\n| E03 Approved intermediary capacity | answered | E, C014, C033 | Individual appointment and rules in actual case |\n| E04 PIP authorisation and limits | answered | E, C033 | Individual status; regulatory details beyond gateway deferred |\n| E05 Voluntary negotiation versus statutory process | answered | E, Scenarios 5–6, C003, C049 | No insolvency outcome inference |\n| E06 EU microenterprise incorporation | partial | A1, C005–C006 | Original 2003/361/EC Annex |\n| E07 EU credit-servicer implementation | partial | B2, E, C034, C044 | Read full SI 644/2023 for substantive servicing classification |\n| E08 Other EU/EEA states | excluded_with_reason | E, C019, C044 | A098 cross-border law and host-state permissions deferred |\n| E09 Northern Ireland (UK) | excluded_with_reason | Scope, E, C044 | Separate jurisdiction; no UK rule imported |\n| E10 Other UK regions and non-EU countries | excluded_with_reason | Scope, C044 | Independently researched country passes only |\n| E11 Moving, foreign creditors, recognition and judgments | excluded_with_reason | E, C044, C050 | A098 country-to-country questions later |\n| E12 Irish local/municipal or sector-specific overlay | partial | A1–B2, C007, C034 | Contract/product and local-specific source sweep later |\n\n### F. Explicit later passes — not silently answered here\n\n| Deferred topic | Status | Precise next question | Relevant gateway claims |\n| --- | --- | --- | --- |\n| F01 Consumer fees, when earned, charging basis and caps | excluded_with_reason | What current Irish rules govern every consumer charge, timing, benefit and prohibition for a DMF? | C004, C032, C050 |\n| F02 Cancellation, termination and refunds | excluded_with_reason | Which statutory and contract-specific cancellation/refund rights apply, with notice and trigger? | C032, C050 |\n| F03 Consumer agreements and disclosures | excluded_with_reason | What complete signed-agreement, precontract information and warning requirements apply under current 2025 regulations? | C032, C050 |\n| F04 Advertising, sales and conduct | excluded_with_reason | Which current Standards for Business and Consumer Protection Regulations apply to each DMF service? | C032, C050 |\n| F05 Client money, trust, payment execution and safeguarding | excluded_with_reason | Which payment/money-transmission permission, segregation and consumer-fund safeguards apply to each funds-flow model? | C035, C043, C050 |\n| F06 Civil claims, redress and complaints | excluded_with_reason | What private cause, regulator process, ombudsman eligibility, limitation and remedies apply to a specified violation? | C028–C029, C050 |\n| F07 Regulatory enforcement and administrative sanctions | excluded_with_reason | What powers, procedures, appellate steps and consequences apply to an actual DMF breach? | C028–C029, C050 |\n| F08 Irish loan/debt products | excluded_with_reason | How is each card, unsecured loan, mortgage, business debt, guarantee or hire product classified and regulated? | C007, C034, C042 |\n| F09 Collection, validation, disputes | excluded_with_reason | Which debt-specific proof, collection conduct and dispute rules govern creditors and servicers? | C008, C034 |\n| F10 Limitation, acknowledgement and revival | excluded_with_reason | What limits actions or revives obligations, differentiated by instrument and acknowledgment/payment? | C039, C050 |\n| F11 Credit reporting | excluded_with_reason | What reporting and correction rules apply to settlement, arrears, defaults and guarantors? | C039, C050 |\n| F12 Court procedure, service and judgments | excluded_with_reason | Which court, service, defence, judgment and appeal provisions apply by debt/amount? | C039, C050 |\n| F13 Attachment, enforcement and exemptions | excluded_with_reason | Which enforcement measures, exemptions and priority rules govern property/income? | C039, C050 |\n| F14 Secured, public, support, tax and priority debts | excluded_with_reason | Who can compromise each debt and under what priority, consent and public-law limits? | C007, C039 |\n| F15 Assistance and public advice services | excluded_with_reason | What complete MABS/Abhaile/public and charity assistance programmes are available and eligible? | C010, C050 |\n| F16 Full personal-insolvency/bankruptcy procedures | excluded_with_reason | DRN/DSA/PIA/bankruptcy eligibility, forms, costs, creditor process, protection, discharge, tax and appeals? | C014, C033, C049 |\n| F17 Foreign consumers/providers and moving abroad | excluded_with_reason | Which state may regulate each remote service after a residence or business-location change? | C018–C019, C044 |\n| F18 Foreign debt, currency, law and jurisdiction | excluded_with_reason | Applicable contract law, governing currency, forum, service abroad and foreign-creditor rights? | C044, C050 |\n| F19 Foreign judgments, assets and recognition | excluded_with_reason | Recognition, enforcement, assets and insolvency cross-border effects for each country pair? | C044, C050 |\n| F20 Actual agreement or provider conduct | excluded_with_reason | What do actual supplied terms, activities, payments, licences and communications establish? | C038, C050 |\n| F21 Legislative and policy changes after source cutoffs | partial | Did any post-1 Aug 2026 amendment affect Part V, the current 2025 Code or ancillary fees? | C001, C032, C040 |\n| F22 Other countries' legal regimes | excluded_with_reason | Conduct a fresh country-specific primary-law perimeter pass; transfer only verified general research method. | C044, C050 |\n\n## Researcher self-check and evidentiary holds\n\n| Check | Researcher result |\n| --- | --- |\n| Primary operative DMF definition opened? | Yes — 2013 s.59 and revised 1997 s.28. |\n| Linked exceptions opened? | Yes for s.28 list, s.29(5)(b) and Charities Act s.2; partial for the Protocol and factual public-body/professional predicates. |\n| Commencement instrument opened? | Yes — S.I. 287/2013, article 2, operative PDF. |\n| Current code distinguished from historic code? | Yes — 2025 regulation commencement and DMF chapter, with 2012 revocation distinguished. |\n| Current authorisation/PII source opened? | Yes — Bank's linked DMF standards, Part A, plus enabling statute. |\n| Numerical calculations recomputed? | Yes, researcher arithmetic only — €1,292.50 and €1,817.50 on stated inputs; coordinator must independently recompute. |\n| Underlying 2026 levy SI opened? | No — official-source failed-fetch gap; guide is explicitly labelled. |\n| Named provider/person/contract/case investigated? | No — none was supplied or searched. |\n| Fully determined online/foreign nexus? | No — classified partial, not passed off as absence of jurisdiction. |\n| Statutory insolvency fully researched? | No — only practitioner authorisation and mechanism-name boundary. |\n| Broader Ireland A097/A098 accepted? | No — not submitted for independent acceptance. |\n\n### Material new questions for the next owner\n\n1. Does the full S.I. 348/2026 operative text reproduce the Bank's Category C formula, and what are its exact pro-rata, adjustment, waiver and appeal clauses?\n2. Is there a current DMF-specific application charge under section 33K, and is a separate FSPO levy payable with distinct bases?\n3. What exact document and amendments comprise the 2 August 2012 mortgage-forbearance Protocol, and how is valid party status determined?\n4. How do the original Commission Recommendation's partner/linked-enterprise accounting rules resolve borderline microenterprise applicants?\n5. What is the authoritative Irish legal test for a foreign remotely delivered debtor-side advisory service, as distinct from an Irish-authorised firm conducting services outside Ireland?\n6. Where a regulated creditor, servicer or PIP also operates a separately branded commercial negotiation business, which legal person and capacity bears each authorisation requirement?\n7. Does a provider offering only creditor payments, introductions or software actually remain outside the similar-activity limb once customer scripts and remuneration flows are examined?\n8. What later-than-1-August-2026 changes, if any, affect the operative Part V text or delegated requirements?\n\n### Evidence-grounded opportunities for SettleADebt\n\n| Opportunity | Useful user question | Required publication safeguard |\n| --- | --- | --- |\n| “Is this debt adviser regulated in Ireland?” decision tool | Are they paid, what do they do, who is the debtor, and is an exact exception documented? | Output possible gateway, not an automatic legal verdict. Link the statute and register; do not scrape provider names. |\n| Debt-adviser role comparison | Creditor's collector, debtor's adviser, PIP or payment company? | Distinguish mandates and separate licences. |\n| Annotated statutory exceptions reference | What does each section 28 exception actually require? | Quote accurate current provisions sparingly; flag unresolved Protocol and charity predicates. |\n| “Check a register” guide | Which exact category and legal name do I need? | Read-only instructions and anti-impersonation warning; no claim that listing guarantees outcomes. |\n| Professional-indemnity explainer | What do the €1.25m and €1.85m figures mean? | Show coverage limits, not consumer insurance entitlement, cash reserves or settlement rates. |\n| Irish statutory versus voluntary path explainer | Am I considering private negotiations, DRN, DSA, PIA or bankruptcy? | Keep full eligibility and procedural guidance behind a separately sourced review. |\n\n### Publication and operational holds\n\n- Hold the annual-levy formula as a final unqualified statement of enacted law until S.I. 348/2026 is directly reopened; publish any interim example only as the Bank guide's illustrative calculation.\n- Hold affirmative reliance on the Protocol exception, foreign authorisation, unreviewed microenterprise edge cases, business guarantor classification and every claimed payment-services permission.\n- Hold fee, contract, client-money, remedies, debt-product and insolvency-process articles for their specifically enumerated next passes.\n- Do not create a named-provider badge, recommend a particular firm, validate its licence or claim that regulated status guarantees creditor cooperation.\n- Do not state a personal consumer deadline based on a generic regulatory timeline, or treat a 90-working-day service standard as guaranteed authorisation.\n- Do not infer that unauthorised debt-management activity extinguishes the customer's debt or automatically supplies a private remedy.\n- Do not import conclusions from Northern Ireland, the rest of the UK, the US, Canada, Australia or any other jurisdiction.\n\nThis is a researcher self-check, not independent legal or coordinator review. The coordinator must reopen consequential source provisions, resolve the inaccessible instruments, independently recompute the arithmetic and reconcile every partial/unresolved coverage row before acceptance. It would be inaccurate to call this a completed Ireland country dossier.\n\nDisposition: The focused Irish debt-management perimeter and authorisation component has substantive source-backed findings, with explicit currency, cross-border, professional-exception and levy-instrument gaps. A097/A098 acceptance remains held.\n\nEND C_IE PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Question","Finding","Claim"],["What activity?","Advice on discharging debt, related budgeting, negotiating with creditors, or similar discharge activity. Negotiation without broader advice still falls within the statutory activity definition.","C003, C032"],["Who receives it?","An individual acting outside business, or a microenterprise under the incorporated EU definition. Not all businesses qualify; not all individuals act as consumers in every transaction.","C005–C007"],["Who pays?","Direct or indirect payments and commissions count. Charging for another service while calling debt advice “free” can still be remuneration.","C004"],["Is the actor excepted?","The statute lists specific charities, public bodies, regulated institutions, limited professional services and statutory insolvency roles. Each exception has its own factual predicates.","C009–C015"],["Which permission?","An ordinary covered private firm needs the appropriate Central Bank debt-management-firm authorisation. A professional credential, another type of financial permission or an insolvency-practitioner authorisation is not automatically interchangeable.","C018–C023, C033"],["Does the service cross borders?","The Central Bank’s published debt-management standards require authorised firms’ debt-management services to be conducted within Ireland; its application guidance refers to establishment in Ireland. This does not resolve all remote-provider or foreign-law questions.","C018–C019"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Component","Exact operative distinction","Classification consequence"],["Advice","Advice about discharging debt wholly or partly; includes budgeting advice connected to debt discharge.","Paid debt-specific budgeting can qualify even without direct creditor contact."],["Negotiation","Negotiating with a person's creditors about discharge of the person's debts wholly or partly.","A negotiation-only service is not outside the statutory definition merely because it avoids giving recommendations."],["Similar activities","Other activities similar to advice or negotiation and associated with debt discharge.","Examine what staff actually do. A business label is insufficient."],["Remuneration","Commission or payment, direct or indirect, including payment for other services that results in debt-management services being described as free.","A separately charged “membership,” “financial review” or referral-funded model may still satisfy the remuneration element."],["Consumer","An individual acting otherwise than in business, or a microenterprise within the incorporated EU definition.","An individual trading commercially and a microenterprise must be examined separately."],["Underlying debt","Section 28's debt-management-service definition refers broadly to “debts”; it does not itself specify a credit-card-only, unsecured-only or consumer-credit-only list.","Do not infer that every tax, secured, business, guarantee or foreign obligation can legally be compromised through the same process. Those separate rules have not been examined."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Paragraph","Person or capacity described in section 28","Critical predicate and adverse branch","Claims"],["(a)","A charitable organisation under Charities Act 2009, s.2(1)","Check governing documents, exclusively charitable purposes, application of property and statutory excluded-body rules. A socially minded for-profit or ordinary nonprofit does not qualify by its label.","C009, C045"],["(b)","Money Advice and Budgeting Service (MABS)","Establish that the activity is actually provided by MABS, not a private operator using similar branding.","C010"],["(c)","A licensed bank, building society, credit union or friendly society","Confirm the particular institution's statutory status and actual service capacity. A commercial affiliation or lender referral relationship does not itself make another company that institution.","C011"],["(d)","Barrister, solicitor or accountant","Both only incidental provision of debt-management services and regulation by a professional body are required. A practice built primarily around paid negotiations may fail the incidental condition.","C012"],["(e)","A party to the 2 August 2012 Protocol for Independent Advice to Borrowers Availing of Long Term Mortgage Forbearance, as amended","Must be a party and provide the advice in accordance with the applicable Protocol. The complete Protocol/version was not retrieved; no wider exemption is established.","C013"],["(f)","Insolvency Service of Ireland; authorised approved intermediary acting as such; authorised personal insolvency practitioner practising as such","Capacity and actual statutory function matter. Practitioner authorisation alone does not grant all other regulated financial-advice permissions.","C014, C033"],["(g)","Personal representative within Succession Act 1965, s.3","Verify genuine estate-representative status and function, rather than unrelated commercial debt negotiation. Underlying succession-law particulars deferred.","C015"],["(h)","Trustees of a trust","Exception does not cover a trust established to provide debt-management services. Verify trust instrument and actual purpose.","C015"],["(i)","Central Bank of Ireland","Specific statutory body, not an affiliated private company.","C015"],["(j)","An Post","Specific statutory actor.","C015"],["(k)","National Asset Management Agency","Specific statutory actor.","C015"],["(l)","National Treasury Management Agency","Specific statutory actor.","C015"],["(m)","National Consumer Agency, as worded in the provision","Historical institutional name. The relevant consumer-agency functions were transferred to the Competition and Consumer Protection Commission; the precise transfer/identity must be documented for any real capacity claim.","C015"],["(n)","Another person constituted or holding office under enactment, or funded wholly or partly by a Government Minister","Obtain the establishing enactment, appointment or actual government funding evidence. Do not presume all publicly associated charities or contractors qualify.","C015"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Actual role","Debt-management-firm conclusion","Separate gateway or open issue"],["A creditor negotiating repayment of its own receivable","Ordinarily the person is administering its own claim, rather than providing a debt-discharge service to the debtor. This is an activity-based inference, not a universal statutory exemption for every creditor service.","Lending, retail credit, servicing and conduct permissions depend on the underlying activity."],["Collector acting for a creditor","Collecting or administering the creditor's claim is different from being retained to advise the debtor.","Credit servicing may be separately regulated under the 1997 Act and 2023 EU-implementation regime; other collection branches remain unresearched."],["Debt purchaser","Ownership alone does not prove it is providing paid debtor-side advice.","Purchaser/servicer responsibilities need the separate product and servicing classification."],["Referral or lead-generation platform","Pure introduction with no debtor-side advice, negotiation or similar discharge activity is not automatically a DMF.","Referral-funded bundled advice can become remunerated DM services; other intermediary/advertising rules are deferred."],["Payment distributor only","Pure mechanical payment routing does not necessarily establish the s.28 advice/negotiation elements.","Separate payment or money-transmission permission may arise; DMF authorisation by itself is not authority to hold customers' money."],["Solicitor/accountant performing substantive routine debt negotiation","Professional status by itself is insufficient.","Test incidental character and actual professional regulation; otherwise Central Bank authorisation may be required."],["Statutory personal-insolvency practitioner","May qualify under the excepted-person limb while practising in the authorised statutory capacity.","Insolvency Service of Ireland authorisation is distinct from Central Bank DMF authorisation."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Requirement","Source and precision","Documentary evidence to request hypothetically"],["Organisation, competent management, suitable owners and adequate resources","1997 Act s.31A(a)–(g)","Legal-entity and ownership chart, management biographies, business plan, staffing, compliance arrangements"],["Controlled functions/PCFs","Central Bank Reform Act 2010 ss.21 and 23; current Bank authorisation process","Applicable role matrix; fitness/probity certification and written agreement; Bank's written PCF approval where required"],["Competence","Bank's minimum-competency framework; recognised DM-service qualifications","Relevant qualification and experience records; individual credential alone is not firm authorisation"],["Solvency","DMF Authorisation Requirements and Standards Part A §2, printed p.6, PDF index 5","Accounts showing liabilities can be met when due and balance-sheet assets exceed liabilities, excluding goodwill/intangibles under the stated calculation"],["Professional indemnity insurance","1997 Act s.33A(5); DMF standards §3, printed p.6, PDF index 5","Insurer's confirmation covering DM services, required limits, policy period, exclusions, excess and evidence of resources for the excess"],["Governance and outsourcing","DMF standards Part A §§4–8","Compliance arrangements, outsourcing agreement and Bank approvals/notifications applicable to locations, name and other activities"],["Records","1997 Act s.36F; standards §9, printed pp.13–14, PDF indices 12–13","Records kept at notified Irish office(s), customer files, creditor negotiations and retention schedule"],["Reporting","Bank DMF reporting page; standards §5.2","Appropriate annual DMF return, financial-year-end evidence and additional returns for other permissions"],["Conditions and continuing status","1997 Act ss.32–33A, 35, 36A","Original authorisation and every annex/amendment, current status and revocation notices if any"]]},{"headers":[],"index":5,"links":[{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html"},{"href":"https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf?utm_source=chatgpt.com","text":"https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html"},{"href":"https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl&utm_source=chatgpt.com","text":"https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl"},{"href":"https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36F/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36F/revised/en/html"},{"href":"https://www.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/gns-4-4-6-2-requirements-and-standards-dmfd22eb8134644629bacc1ff0000269695.pdf?sfvrsn=4&utm_source=chatgpt.com","text":"https://www.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/gns-4-4-6-2-requirements-and-standards-dmfd22eb8134644629bacc1ff0000269695.pdf?sfvrsn=4"},{"href":"https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/authorisation-process?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/authorisation-process"},{"href":"https://edit.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/dmf-guidance-note.pdf?sfvrsn=35bd61d_2&utm_source=chatgpt.com","text":"https://edit.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/dmf-guidance-note.pdf?sfvrsn=35bd61d_2"},{"href":"https://revisedacts.lawreform.ie/eli/2010/act/23/section/21/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2010/act/23/sec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title; full literal direct URL","Pinpoint; version, jurisdiction and evidence status"],["S001","Law Reform Commission; Central Bank Act 1997, revised front. https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html","Front, revision metadata. Body read. Revised through 1 Aug 2026; Acts and SIs considered as stated there. Administrative consolidation disclaimer. Ireland; Part V DMF plus adjacent categories. PDF N/A."],["S002","Law Reform Commission; Central Bank (Supervision and Enforcement) Act 2013, revised front. https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html","Front, revision metadata. Body read. Revised through 7 July 2026; administrative consolidation. Ireland, amending Act; PDF N/A."],["S003","Law Reform Commission; 2013 Act, s.59(a)–(b). https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html","Definitions and exceptions introduced into 1997 Act s.28. Body read; commenced 1 Aug 2013 under S004. Ireland; consumers and DMF activities. PDF N/A."],["S004","Irish Statute Book; S.I. 287/2013, Commencement Order. https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf","Article 2: printed p.2 / PDF index 1. Made 25 July 2013; commencement 1 Aug 2013 except s.72. Operative PDF body read, four pages."],["S005","Law Reform Commission; 1997 Act s.28(1). https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html","Consumer, DMF, services, remuneration, excepted persons, qualifying shareholder, credit-servicing definitions. Body read, revision governed by S001; PDF N/A."],["S006","Law Reform Commission; 1997 Act s.29(1)–(5). https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html","Authorisation prohibition, offences, excepted-person rule, fines editorial notes, 2026 amendment annotation. Body read; PDF N/A."],["S007","Law Reform Commission; 1997 Act s.34D(1)–(3). https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html","Historic transitional DMF authorisation. Body read; inserted effective 1 Aug 2013; PDF N/A."],["S008","European Commission; SME definition. https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl","“SME definition” table and linked-enterprise warning. Official explanatory body read. Original Recommendation Annex not directly accessible; not itself operative incorporation text. EU definition used by Irish s.28; PDF N/A."],["S009","Law Reform Commission; Charities Act 2009 s.2(1). https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html","Charitable organisation/trust, constitution, excluded-body definitions. Body read; Irish exception predicate; PDF N/A."],["S010","Law Reform Commission; Charities Act 2009 s.39(1)–(4), (16). https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html","Charity register and activity-in-State application gateway. Relevant body read; separate from DMF authorisation; PDF N/A."],["S011","Law Reform Commission; 1997 Act s.30(1)–(3). https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html","Application, documents, fee if prescribed, information notice. Body read; PDF N/A."],["S012","Law Reform Commission; 1997 Act s.31(1)–(7). https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html","Grant/refusal grounds, notice/reps, registration. Body read; PDF N/A."],["S013","Law Reform Commission; 1997 Act s.31A(a)–(g). https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html","Owners, managers, resources, supervision and organisation. Body read; PDF N/A."],["S014","Law Reform Commission; 1997 Act s.32(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html","Effect and term of permission. Body read; PDF N/A."],["S015","Law Reform Commission; 1997 Act s.33(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html","Conditions and annexes. Body read; PDF N/A."],["S016","Law Reform Commission; 1997 Act s.33A(1)–(5). https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html","Bank supervisory conditions, qualifications and DMF PII enabling power. Body read; PDF N/A."],["S017","Law Reform Commission; 1997 Act s.35(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html","Failure to comply with conditions, offence and fines editorial note. Body read; PDF N/A."],["S018","Law Reform Commission; 1997 Act s.36A(1)–(following procedural provisions). https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html","Revocation grounds including inactivity, breach, probity. Relevant body read; process not exhaustively worked into a case deadline. PDF N/A."],["S019","Law Reform Commission; 1997 Act s.36F(1)–(4). https://revisedacts.lawreform.ie/eli/1997/act/8/section/36F/revised/en/html","Records at notified Irish office and notified retention. Body read; PDF N/A."],["S020","Central Bank; Authorisation Requirements and Standards for Debt Management Firms. https://www.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/gns-4-4-6-2-requirements-and-standards-dmfd22eb8134644629bacc1ff0000269695.pdf?sfvrsn=4","Body read. 18-page PDF. §1.3 printed p.3/PDF 2; solvency §2 and PII §3 printed p.6/PDF 5; locations §8 printed p.13/PDF 12; records §9 printed pp.13–14/PDF 12–13. Originally 2013 standards still linked on current authorisation page. Historical references to 2011/2012 codes superseded."],["S021","Central Bank; DMF authorisation process. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/authorisation-process","Current application phases, IQ/PCF and service standards. Guidance body read; page last updated 21 Aug 2026. No application made. PDF N/A."],["S022","Central Bank; Guidance Note on Completing an Application for Authorisation as a DMF. https://edit.centralbank.ie/docs/default-source/regulation/industry-market-sectors/debt-management-firms/authorisation-process/dmf-guidance-note.pdf?sfvrsn=35bd61d_2","Body read, 25-page PDF, especially printed pp.3–4/PDF 2–3; establishment-in-State statement. Older document refers to superseded codes; historical guidance, not unqualified current law."],["S023","Law Reform Commission; Central Bank Reform Act 2010 s.21(1)–(5). https://revisedacts.lawreform.ie/eli/2010/act/23/section/21/revised/en/html","Controlled-function fitness/probity certificate and written agreement. Body read; PDF N/A."],["S024","Law Reform Commission; 2010 Act s.23(1)–(3). https://revisedacts.lawreform.ie/eli/2010/act/23/section/23/revised/en/html","Written approval for applicable PCF appointments, subject to linked qualifications. Body read; PDF N/A."],["S025","Central Bank; Fitness and Probity Standards, Nov 2025. https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fitness-probity/fitness-and-probity-standards-2025.pdf","Body read, 17 pages: version printed p.2/PDF 1, scope/legal basis printed p.4/PDF 3, applicability and exceptions on subsequent pages. Issued under 2010 Act s.50; professional standards, not firm licence."],["S026","Central Bank; recognised minimum-competency qualifications. https://www.centralbank.ie/regulation/how-we-regulate/authorisation/minimum-competency/qualifications","Part 3, specified function “providing debt management services”; two listed designations. Official body read; current webpage, not standalone authorisation. PDF N/A."],["S027","Central Bank; DMF reporting requirements. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/reporting-requirements","Annual return and conditional submission timing; multiple permissions, breach and ad hoc reporting. Guidance body read; PDF N/A."],["S028","Central Bank register portal. https://registers.centralbank.ie/","General public lookup entry point. Landing body opened, no firm searched. Dynamic result contents unexamined. PDF N/A."],["S029","Central Bank register downloads. https://registers.centralbank.ie/downloadspage.aspx","DMF category and snapshot dated 22 Oct 2026. Index body read; underlying named-entry PDF deliberately not opened or searched. PDF N/A for index."],["S030","Central Bank; unauthorised firms/public status guidance. https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms","General register verification, impersonation and sector-dependent EEA passport caution. Guidance body read, no named search. PDF N/A."],["S031","Central Bank; introduction to DMFs. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms","DMF overview, distinct client-funds authorisation warning. Guidance body read; legacy 2009 payment-law example not relied on as current. PDF N/A."],["S032","Central Bank; online reproduction of S.I. 81/2025, Part 1. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general","Regulation 1(1)–(2), formal 2025 name and 24 Mar 2026 commencement. Operative regulation body read on regulator site; Irish Statute Book PDF access failed. PDF N/A for this HTML."],["S033","Central Bank; online reproduction of S.I. 81/2025, Part 3 Chapter 12. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements","Regs. 286–287, 299 and adjacent Chapter 12 read for scope/negotiation-only branch. Remaining fee, contract and conduct provisions observed but intentionally not analysed as this pass's findings. Operative HTML; PDF N/A."],["S034","Central Bank; Consumer Protection Code Review. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review","Implementation and revocations; 2025 Code effective 24 Mar 2026, 2012 Code revoked 23 Mar 2026. Regulator history/read, not an independent enactment. Page updated Aug 2026."],["S035","Central Bank; Funding Strategy and Guide to the 2026 Industry Funding Regulations. https://www.centralbank.ie/docs/default-source/regulation/how-we-regulate/fees-levies/industry-funding-levy/guidance/funding-strategy-and-guide-to-the-2026-industry-funding-regulations-%28002%29.pdf?Status=Master&sfvrsn=1284761a_3","August 2026 guide body read, 29-page PDF. §2 printed p.5/PDF 4; pro-rating printed p.8/PDF 7; §4.3 Table 6 printed p.14/PDF 13. Describes levy for 2025 costs billed in 2026; not itself the SI."],["S036","Law Reform Commission; Personal Insolvency Act 2012 s.47(1), (5)–(6). https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html","Insolvency Service authority for approved intermediaries and regulation of that role. Body read. Other subsections observed; consumer fee detail not developed. PDF N/A."],["S037","Law Reform Commission; Personal Insolvency Act 2012 s.164(1)–(6). https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html","PIP personal authorisation, eligibility safeguards, five-year maximum current term, prohibition on using it for other CBI-regulated advice. Body read; PDF N/A."],["S038","Central Bank; credit-servicing authorisation process. https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process","Separate Part V/2023 servicing frameworks and service-specific EU rights. Regulator body read, not full 2023 implementing instrument. PDF N/A."],["S039","Central Bank; DMF supervision process. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process","Current supervision, 2025 consumer-code linkage and conditions context. Guidance body read; PDF N/A."],["S040","Irish Statute Book; S.I. 348/2026, Central Bank Act 1942 (Section 32D) Regulations 2026. https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf","Failed to open; official HTML/print and one official alternative https://www.legislation.ie/eli/2026/si/348/made/en/pdf also inaccessible. The Bank's S035 was read instead. No claim that SI body was read."],["S041","Irish Statute Book; S.I. 64/2026, FSPO industry levy regulations. https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf","Discovery-only/failed to open. Search indicated a distinct possible annual levy; its legal base and current calculation are not adopted."],["S042","EUR-Lex; Commission Recommendation 2003/361/EC. https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361","Failed/robot-blocked during direct-read attempt. Exact Annex calculations and linked enterprises must be retrieved directly for borderline cases; S008 is only the official Commission explanation."],["S043","Insolvency Service of Ireland, public practitioner directory/general material. https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/","403/fetch failure; public directory described in discovery material but no entries or named persons searched. Statutory authorisation established through S036–S037, not this inaccessible page."]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Atomic statement; predicates, act/consequence and limits","Source/pinpoint"],["C001","The current source basis is a revised 1997 Act consolidated to 1 Aug 2026 and a 2013 Act consolidated to 7 Jul 2026; these are administrative texts and do not warrant complete post-cutoff currency.","S001 front; S002 front"],["C002","The 2013 DMF amendment commenced on 1 Aug 2013, not merely when the Act was published or enacted.","S003 s.59; S004 art.2, printed p.2/PDF 1"],["C003","DM services include advice on whole/partial debt discharge, debt-connected budgeting, negotiations with creditors and similar discharge activity; negotiation-only may therefore trigger classification.","S005 s.28(1), “debt management services” (a)–(c); S033 regs.287, 299"],["C004","Remuneration includes direct/indirect commission or payment, including payment for a different service resulting in apparently free DM work; identify economic recipient and purpose.","S005 s.28(1), “remuneration”"],["C005","The licensing definition of consumer includes an individual acting outside business or a microenterprise; capacity and enterprise size must be tested.","S005 s.28(1), “consumer” (a)–(b); S003 s.59(b)"],["C006","The Commission's explanatory microenterprise threshold is staff below 10 and turnover or balance sheet no more than €2m, with group attribution potentially material; exact Recommendation Annex unresolved.","S008 table and group caveat; S042 inaccessible"],["C007","The DM-service limb is expressed as discharge of “debts” without an express unsecured/card-only list; this does not determine substantive treatment of any particular debt product, secured claim or public liability.","S005 s.28(1), service definition (a)–(c); inference limited to statutory text"],["C008","A creditor enforcing its own claim or its collector is not, merely by taking payment, providing a discharge service to the debtor; actual beneficiary, mandate and activities control the inference. Separate credit-servicing rules may apply.","S005 s.28(1) DM and credit-servicing definitions; S038 framework; classification inference"],["C009","Charitable organisation is excepted, but the definition in the Charities Act has substantive charitable-purpose, asset-use and excluded-body predicates. “Nonprofit” is not sufficient proof.","S005 excepted (a); S009 s.2(1)"],["C010","MABS is specifically an excepted person; a different provider using similar descriptions does not acquire that statutory identity.","S005 excepted (b); S006 s.29(5)(b)"],["C011","A licensed bank, building society, credit union or friendly society is an excepted person; verify actual status and responsible legal person.","S005 excepted (c)"],["C012","Barrister, solicitor or accountant exception requires services to be only incidental and the professional to be subject to regulation by a professional body.","S005 excepted (d)"],["C013","The Protocol exception requires party status and provision of advice according to the 2 Aug 2012 Protocol as amended. Full operative Protocol not read; no broader exemption claimed.","S005 excepted (e)"],["C014","ISI, a s.47 approved intermediary acting as such, and a PIP authorised under Part 5 practising as such are statutory excepted persons in those capacities.","S005 excepted (f); S036 s.47(1); S037 s.164"],["C015","Section 28 additionally lists personal representatives, qualifying trustees, CBI, An Post, NAMA, NTMA, historical National Consumer Agency and persons constituted/holding office under enactment or funded in whole/part by a Minister; each factual condition must be documented.","S005 excepted (g)–(n); s.28 annotations"],["C016","Excepted persons are not treated as carrying on the DMF regulated business; exclusion from this one category is not blanket immunity under all financial or professional rules.","S006 s.29(5)(b); S005 exceptions"],["C017","A third-party payer/referrer, paid ancillary service or free consultation must be analysed for indirect remuneration, not assumed dispositive either way.","S005 “remuneration”; application inference"],["C018","Bank standards state DMF services must be conducted within the State; individual authorisation conditions remain material. This is not a complete extraterritorial statute.","S020 §1.3–1.4, printed p.3/PDF 2"],["C019","Bank application guidance says DMF authorisation is granted only to persons established in the State; remote nexus and foreign licence recognition are not conclusively resolved by that guidance alone.","S022 printed p.4/PDF 3; S021 process"],["C020","A non-excepted covered person must seek the relevant CBI authorisation; application uses Bank-specified form/documents and fee if prescribed. No current specific application amount established.","S006 s.29(1); S011 s.30(1)–(3)"],["C021","Bank grant/refusal is governed by s.31's enumerated predicates and proposed-refusal/reps process; application alone is not permission.","S012 s.31(1)–(7)"],["C022","Firm authorisation scrutiny includes owner/manager competence and probity, staffing, systems and financial resources; applicable controlled functions and PCFs have separate personal approval/certification rules.","S013 s.31A(a)–(g); S023 s.21; S024 s.23; S025 scope"],["C023","Granted permission operates subject to its particular conditions and continues until lawful revocation; authorisation and annexes define scope.","S014 s.32; S015 s.33; S016 s.33A"],["C024","Current-linked Bank DMF standards specify PII €1.25m per claim and €1.85m aggregate per policy period, insurer confirmation before commencing and annually, plus ability to bear excess. This is not a bond or promised payment to a particular customer.","S016 s.33A(5); S020 §3.1–3.3, printed p.6/PDF 5"],["C025","DMF standards require obligations to be met when due and balance-sheet assets above liabilities under their stated exclusion of intangibles; the requirement is not a fixed statutory cash deposit.","S020 §2, printed p.6/PDF 5"],["C026","Required records must be held at notified offices in Ireland and retained for relevant periods; Bank standards state a five-year minimum with record-type-specific starting events.","S019 s.36F; S020 §9, printed pp.13–14/PDF 12–13"],["C027","The Bank requires a DMF annual return tied to firm year-end, ordinarily within six months; other authorised categories have independent return duties. Actual entity deadline requires its facts.","S027 “DMF Return” and “Multiple Authorisations”; S020 §5.2"],["C028","Conducting a covered regulated business without authorisation is prohibited and an offence; continuing after conviction has a further statutory offence mechanism. Fine reclassification notes prevent blindly repeating old summary amounts.","S006 s.29(1)–(3), editorial notes E37–E38"],["C029","Breach of conditions by an authorised holder can be an offence; CBI may revoke under enumerated s.36A grounds. Corporate-officer liability has stated statutory defences, not automatic guilt.","S017 s.35; S018 s.36A; s.36K (see source note below)"],["C030","The three-month 2013 transitional route applied only to qualifying pre-existing firms and is not a current new-applicant route.","S007 s.34D(1)–(3); S004 art.2"],["C031","CBI has a separate DMF public-register category, advertised snapshot 22 Oct 2026; any listing is point-in-time and no proof of every service, actor, condition or result.","S029 DMF category; S028 portal; S030 register guidance"],["C032","S.I. 81/2025 took effect 24 Mar 2026, with Chapter 12 applying to DMFs and a conduct distinction for negotiation-only work; it does not remove negotiation from the licensing definition. Older 2012 Code is superseded.","S032 reg.1(2); S033 regs.286–287, 299; S034 revocation history"],["C033","ISI separately authorises statutory approved intermediaries and PIPs; PIP authorisation is personal and does not cover other CBI-regulated advisory services.","S036 s.47; S037 s.164(1)–(6)"],["C034","Creditor-side servicing can be subject to a separate Irish credit-servicing framework and a service-specific EU scheme; it is not automatically DMF activity or DMF permission.","S005 credit-servicing definition; S038 §§Credit Servicing Firms/Credit Servicers; separate implementing SI not fully read"],["C035","CBI warns that DMF permission alone does not authorise holding client funds; payment/money-transmission permission must be separately established. Detailed payment law deferred.","S031 introduction; S029 separate register categories"],["C036","Bank's August 2026 Category C guide specifies the €1,198 minimum, €205,000 threshold, 0.21% variable rate, prescribed reporting-year base, default assessment and possible multiple levies/pro-rating.","S035 §2, §4.3 Table 6, printed pp.5,8,14/PDF 4,7,13"],["C037","Under expressly assumed full-year/single-category circumstances, A=€250,000 gives €1,292.50 and A=€500,000 gives €1,817.50 by the Bank's Category C guide. These are researcher calculations, not invoice determinations.","S035 Table 6; arithmetic displayed above"],["C038","Verification must identify legal contracting person, actual service, direct/indirect benefits, debtor capacity, exception evidence and specific permission. This is a research workflow inference, not a prescribed statutory consumer form.","S005–S006 definitions; S015 authorisation conditions; S029–S030 verification"],["C039","No source establishes guaranteed creditor participation, debt cancellation, debt-reduction percentage, security release or judgment invalidity from DMF engagement or violation. The current conduct regulations separately acknowledge a creditor may decline concessions.","S033 reg.300(4), esp. creditor-acceptance warning; limits of S006"],["C040","S.I. 348/2026 operative text was inaccessible; S035 is an official Bank guide, not the enacted SI. A separate possible FSPO levy appeared in discovery but its 2026 operative text was also not read. Cost conclusions therefore remain qualified.","S035; S040–S041 failed/discovery"],["C041","The Bank identifies two qualifications for the specified DM-services function, but a person's relevant qualification is not the firm's authority; actual role and minimum-competency applicability must be tested.","S026 Part 3; S021 pre-application section"],["C042","The s.28 text does not state an automatic rule for every guarantor; establish a debtor obligation and the person's individual/nonbusiness or microenterprise capacity before classifying.","S005 consumer and services definitions; expressly bounded inference"],["C043","Payment-distribution-only conduct without debt advice/negotiation does not, on those facts alone, establish the DM-service definition; separate permissions remain possible. Adding advice or negotiation changes the classification.","S005 s.28 DM definition; S031 separate money warning; inference"],["C044","An EU credit-servicer passport, foreign financial permission or Northern Ireland regulatory status does not itself establish permission for Irish DMF services. Complete cross-border conflict rules are outside this pass.","S020 §1.3; S022 establishment guidance; S038 distinct servicer framework"],["C045","Charities Act s.39 provides a separate public charity-registration mechanism. A registration record is one evidential input, not a blanket certificate of unrelated financial permissions.","S009 s.2(1); S010 s.39(1)–(4)"],["C046","DMF standards require governance, controlled outsourcing, relevant branch/location approvals and supervisory records; an outsourced function does not automatically remove the firm's responsibility. Individual annex conditions control.","S020 §§4–9, especially printed pp.7–14/PDF 6–13; S039"],["C047","CBI describes multi-stage authorisation and a 90-working-day assessment service standard after a complete relevant submission, with pauses/exceptions; this is not a guaranteed approval date.","S021 Stages 1–6 and Service Standards"],["C048","Current fitness/probity rules address applicable people/functions; exemption from an individual standard must not be misread as exemption from DMF firm authorisation.","S023–S025; S021"],["C049","Personal voluntary advice and the exact Irish statutory insolvency capacities are separate pathways; no full process, eligibility, creditor vote, court or discharge conclusion is made.","S005 excepted (f); S033 reg.286; S036–S037"],["C050","This component determines the perimeter/authorisation gateway only. Contract legality, consumer fees, funds, complaints, remedies and underlying debts require separately opened controlling sources and private facts.","Research scope limitation; no affirmative substantive law finding"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Status","Finding location and exact claims","Missing evidence; next focused action"],["A01 Legal DMF category and authority","answered","A1, C003–C005, C020","Recheck at publication against legislation after Aug 2026 consolidation"],["A02 Advice, budgeting, negotiations, similar activity","answered","A1, C003","Fact-specific service description needed for application"],["A03 Negotiation without wider advice","answered","A1, 2026 note, C003, C032","Later conduct pass to analyse reg.299 consequences"],["A04 Direct/indirect benefit and nominally free work","answered","A1, B2, C004, C017","Actual income and affiliated-payment documentation"],["A05 Nonbusiness individual","answered","A1, C005","Actual capacity for each obligation"],["A06 Microenterprise limb","partial","A1, C005–C006","Direct full Commission Recommendation Annex, affiliation/accounting rules"],["A07 Sole trader and business-purpose branch","partial","A1, Scenario 4, C005–C007, C042","Debtor's business capacity and Annex calculation"],["A08 Incorporated commercial entity branch","partial","A1, C005–C007","Staff, accounts, linked enterprises; separate sector law"],["A09 Guarantor debt","unresolved","A1, Scenario 4, C042","Obligation/deed and Irish guarantee classification research"],["A10 Debt-category/credit-purpose limitation","partial","A1, C007","Product-specific definitions and exclusions in next debt-product passes"],["A11 Creditor, collector, purchaser distinction","partial","B2, Scenario 2, C008, C034","Full servicing SI and specific mandate"],["A12 Irish territorial nexus","partial","E, Scenario 3, C018–C019, C044","Further territorial case law, CBI conditions and online fact patterns"],["A13 Commencement","answered","A2, C002","None for 2013 core commencement; later amendments separately"],["A14 Historical transitional route","answered","A2, C030","Historic applicant facts only; not current route"],["A15 Amendment/consolidation currency","partial","A2, C001, C032","Official subsequent Oct 2026 amendment sweep before publishing"],["A16 Future/proposed/expired distinction","partial","A2, 2026 note, C001, C032","Reopen post-Aug instruments and any newly commenced amendments"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Status","Finding location and exact claims","Missing evidence; next focused action"],["B01 Statutory exhaustive excepted-person list","answered","B1, C009–C015","Factual proof per branch, not new generic carve-out"],["B02 Charities and nonprofit claims","partial","B1, C009, C045","Full constitution, actual statutory status and any later charity amendments"],["B03 MABS","answered","B1, C010","Verify real provider identity only in actual case"],["B04 Banks/building societies/credit unions/friendly societies","answered","B1, C011","Particular institution and service role"],["B05 Barrister/solicitor/accountant","partial","B1, C012","Incidental-work test on actual facts; profession-specific rules next"],["B06 Mortgage-forbearance Protocol","unresolved","B1, C013","Retrieve signed/current Protocol and amendments, party criteria"],["B07 Insolvency Service / approved intermediary / PIP","answered","B1, E, C014, C033","Actual person's statutory capacity and present appointment"],["B08 Estate representatives and trustees","partial","B1, C015","Succession/trust documents and separate fiduciary law"],["B09 Public statutory/funded actors","partial","B1, C015","Enactment, appointment, funding and transferred-function provenance"],["B10 Free private advisers","answered","A1, B2, C004, C016–C017","Actual payments and separate obligations; no blanket classification"],["B11 Own creditor and debt purchaser","partial","B2, C008, C034","Full product and servicing-permission pass"],["B12 Creditor-side debt collectors","partial","B2, Scenario 2, C008, C034","Full SI 644/2023 and related actor exceptions"],["B13 Referral-only actor","partial","B2, C017, C043","Actual referral and service flows; separate intermediary rules"],["B14 Payment-distribution-only actor","partial","B2, Scenario 6, C035, C043","Payment services/money transmission law in deferred pass"],["B15 Employment/subcontracted representative","partial","B2, D, C022, C038, C046","Actual employer, outsourcing mandate, CF/PCF role and conditions"],["B16 Foreign licence or professional title","partial","B2, E, C012, C019, C044","Exact jurisdiction and activity authority; no automatic recognition"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Status","Finding location and exact claims","Missing evidence; next focused action"],["C01 Competent authorising body","answered","C1, C020","No real application"],["C02 Firm authorisation versus other permission","answered","C1, B2, C020, C023, C034–C035","Actual scope letter and other regimes"],["C03 Representative/intermediary substitute","unresolved","C1, C020, C038","Targeted enacted-law search for a relevant specific route; none established here"],["C04 Application form, documents, conditional charge","partial","C1, C020","Current applicable fee SI for DMF-specific application amount"],["C05 Grant/refusal substantive and procedural rules","answered","C1, C021","Actual notice/application not available"],["C06 Organisational and financial qualification","answered","C2, C022, C025","Applicant accounts/ownership"],["C07 PCF, controlled functions and fitness/probity","answered","C2, C022, C048","Particular functions and personal status"],["C08 Individual minimum competency","partial","C2, C041","Applicable functions, complete current code/addenda and actual qualification"],["C09 PII enabling power and minimum cover","answered","C2, C024","Policy exclusions, excess and actual insurer confirmation"],["C10 Solvency calculation","answered","C2, C025","Actual balance sheet and Bank-specific conditions"],["C11 Records and record location","answered","C2, C026","Actual written notification/retention schedule"],["C12 Governance and outsourcing","answered","C2, C046","Actual annexes and outsourced-function facts"],["C13 Branch/location and additional activity","partial","C2, C046","Current authorisation annex and applicable post-authorisation approval"],["C14 Annual supervisory returns","answered","C2, C027","Entity year-end and actual reporting conditions"],["C15 Unauthorised-business consequence","answered","C3, C028","Actual charges/posture or sanctions not researched"],["C16 Condition breach and revocation","answered","C3, C029","Procedure in an actual decision not analysed"],["C17 Agency annual levy formula","partial","C4, C036–C040","Read full SI 348/2026 and any additional applicable levy SI"],["C18 Authorisation application fee","unresolved","C1, C020, C040","Retrieve DMF-specific fee instrument; do not infer zero"],["C19 Separate FSPO levy/other agency cost","unresolved","C4, C040","Read S.I. 64/2026 and its charging predicates"],["C20 Consumer bond or guaranteed deposit","unresolved","C2, C024–C025","No such requirement established here; do not infer inexistence"],["C21 Service-standard timing","answered","C1, C047","A non-binding target, not an individual deadline"],["C22 Statutory transition and continuing permission","answered","A2, C023, C030","Actual present authorisation must still be verified"]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Status","Finding location and exact claims","Missing evidence; next focused action"],["D01 DMF public register exists","answered","D, C031","No individual result inspected"],["D02 Category versus general financial-service registration","answered","D, C023, C031, C034–C035","Individual permission/annex needed"],["D03 Snapshot/currentness and identity impersonation","answered","D, C031, C038","Current entry, exact legal/trading name and issuer verification"],["D04 Professional exemption evidence","partial","D, C012, C038","Professional-regulator and work-incidental proof"],["D05 Charity/public-body proof","partial","D, C009, C015, C045","Governing documents, public funding or statutory constitution"],["D06 Statutory insolvency person verification","partial","D, C014, C033","ISI current directory unavailable; no named lookup"],["D07 Remote/foreign authority documents","partial","D, Scenario 3, C019, C044","Foreign statute, permission and nexus facts"],["D08 No contract supplied","unresolved","D, C038, C050","Obtain particular document only with later user authority; none here"],["D09 General precedent or enforcement case","excluded_with_reason","Research limits, C050","No actual case dispute or case investigation requested"],["D10 No person/provider/licence search","excluded_with_reason","Method and D, C031","Explicit privacy/scope restriction; none conducted"]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue or jurisdiction","Status","Finding location and exact claims","Missing evidence; next focused action"],["E01 Republic of Ireland","answered","A–E, C001–C005, C020","Only focused DMF authorisation component"],["E02 Statutory DRN, DSA, PIA and bankruptcy names","answered","E, C033, C049","Eligibility/process deferred"],["E03 Approved intermediary capacity","answered","E, C014, C033","Individual appointment and rules in actual case"],["E04 PIP authorisation and limits","answered","E, C033","Individual status; regulatory details beyond gateway deferred"],["E05 Voluntary negotiation versus statutory process","answered","E, Scenarios 5–6, C003, C049","No insolvency outcome inference"],["E06 EU microenterprise incorporation","partial","A1, C005–C006","Original 2003/361/EC Annex"],["E07 EU credit-servicer implementation","partial","B2, E, C034, C044","Read full SI 644/2023 for substantive servicing classification"],["E08 Other EU/EEA states","excluded_with_reason","E, C019, C044","A098 cross-border law and host-state permissions deferred"],["E09 Northern Ireland (UK)","excluded_with_reason","Scope, E, C044","Separate jurisdiction; no UK rule imported"],["E10 Other UK regions and non-EU countries","excluded_with_reason","Scope, C044","Independently researched country passes only"],["E11 Moving, foreign creditors, recognition and judgments","excluded_with_reason","E, C044, C050","A098 country-to-country questions later"],["E12 Irish local/municipal or sector-specific overlay","partial","A1–B2, C007, C034","Contract/product and local-specific source sweep later"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Deferred topic","Status","Precise next question","Relevant gateway claims"],["F01 Consumer fees, when earned, charging basis and caps","excluded_with_reason","What current Irish rules govern every consumer charge, timing, benefit and prohibition for a DMF?","C004, C032, C050"],["F02 Cancellation, termination and refunds","excluded_with_reason","Which statutory and contract-specific cancellation/refund rights apply, with notice and trigger?","C032, C050"],["F03 Consumer agreements and disclosures","excluded_with_reason","What complete signed-agreement, precontract information and warning requirements apply under current 2025 regulations?","C032, C050"],["F04 Advertising, sales and conduct","excluded_with_reason","Which current Standards for Business and Consumer Protection Regulations apply to each DMF service?","C032, C050"],["F05 Client money, trust, payment execution and safeguarding","excluded_with_reason","Which payment/money-transmission permission, segregation and consumer-fund safeguards apply to each funds-flow model?","C035, C043, C050"],["F06 Civil claims, redress and complaints","excluded_with_reason","What private cause, regulator process, ombudsman eligibility, limitation and remedies apply to a specified violation?","C028–C029, C050"],["F07 Regulatory enforcement and administrative sanctions","excluded_with_reason","What powers, procedures, appellate steps and consequences apply to an actual DMF breach?","C028–C029, C050"],["F08 Irish loan/debt products","excluded_with_reason","How is each card, unsecured loan, mortgage, business debt, guarantee or hire product classified and regulated?","C007, C034, C042"],["F09 Collection, validation, disputes","excluded_with_reason","Which debt-specific proof, collection conduct and dispute rules govern creditors and servicers?","C008, C034"],["F10 Limitation, acknowledgement and revival","excluded_with_reason","What limits actions or revives obligations, differentiated by instrument and acknowledgment/payment?","C039, C050"],["F11 Credit reporting","excluded_with_reason","What reporting and correction rules apply to settlement, arrears, defaults and guarantors?","C039, C050"],["F12 Court procedure, service and judgments","excluded_with_reason","Which court, service, defence, judgment and appeal provisions apply by debt/amount?","C039, C050"],["F13 Attachment, enforcement and exemptions","excluded_with_reason","Which enforcement measures, exemptions and priority rules govern property/income?","C039, C050"],["F14 Secured, public, support, tax and priority debts","excluded_with_reason","Who can compromise each debt and under what priority, consent and public-law limits?","C007, C039"],["F15 Assistance and public advice services","excluded_with_reason","What complete MABS/Abhaile/public and charity assistance programmes are available and eligible?","C010, C050"],["F16 Full personal-insolvency/bankruptcy procedures","excluded_with_reason","DRN/DSA/PIA/bankruptcy eligibility, forms, costs, creditor process, protection, discharge, tax and appeals?","C014, C033, C049"],["F17 Foreign consumers/providers and moving abroad","excluded_with_reason","Which state may regulate each remote service after a residence or business-location change?","C018–C019, C044"],["F18 Foreign debt, currency, law and jurisdiction","excluded_with_reason","Applicable contract law, governing currency, forum, service abroad and foreign-creditor rights?","C044, C050"],["F19 Foreign judgments, assets and recognition","excluded_with_reason","Recognition, enforcement, assets and insolvency cross-border effects for each country pair?","C044, C050"],["F20 Actual agreement or provider conduct","excluded_with_reason","What do actual supplied terms, activities, payments, licences and communications establish?","C038, C050"],["F21 Legislative and policy changes after source cutoffs","partial","Did any post-1 Aug 2026 amendment affect Part V, the current 2025 Code or ancillary fees?","C001, C032, C040"],["F22 Other countries' legal regimes","excluded_with_reason","Conduct a fresh country-specific primary-law perimeter pass; transfer only verified general research method.","C044, C050"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Researcher result"],["Primary operative DMF definition opened?","Yes — 2013 s.59 and revised 1997 s.28."],["Linked exceptions opened?","Yes for s.28 list, s.29(5)(b) and Charities Act s.2; partial for the Protocol and factual public-body/professional predicates."],["Commencement instrument opened?","Yes — S.I. 287/2013, article 2, operative PDF."],["Current code distinguished from historic code?","Yes — 2025 regulation commencement and DMF chapter, with 2012 revocation distinguished."],["Current authorisation/PII source opened?","Yes — Bank's linked DMF standards, Part A, plus enabling statute."],["Numerical calculations recomputed?","Yes, researcher arithmetic only — €1,292.50 and €1,817.50 on stated inputs; coordinator must independently recompute."],["Underlying 2026 levy SI opened?","No — official-source failed-fetch gap; guide is explicitly labelled."],["Named provider/person/contract/case investigated?","No — none was supplied or searched."],["Fully determined online/foreign nexus?","No — classified partial, not passed off as absence of jurisdiction."],["Statutory insolvency fully researched?","No — only practitioner authorisation and mechanism-name boundary."],["Broader Ireland A097/A098 accepted?","No — not submitted for independent acceptance."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Opportunity","Useful user question","Required publication safeguard"],["“Is this debt adviser regulated in Ireland?” decision tool","Are they paid, what do they do, who is the debtor, and is an exact exception documented?","Output possible gateway, not an automatic legal verdict. Link the statute and register; do not scrape provider names."],["Debt-adviser role comparison","Creditor's collector, debtor's adviser, PIP or payment company?","Distinguish mandates and separate licences."],["Annotated statutory exceptions reference","What does each section 28 exception actually require?","Quote accurate current provisions sparingly; flag unresolved Protocol and charity predicates."],["“Check a register” guide","Which exact category and legal name do I need?","Read-only instructions and anti-impersonation warning; no claim that listing guarantees outcomes."],["Professional-indemnity explainer","What do the €1.25m and €1.85m figures mean?","Show coverage limits, not consumer insurance entitlement, cash reserves or settlement rates."],["Irish statutory versus voluntary path explainer","Am I considering private negotiations, DRN, DSA, PIA or bankruptcy?","Keep full eligibility and procedural guidance behind a separately sourced review."]]}],"claims":[{"claim_id":"C_IE-P01-C001","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C001","Atomic statement; predicates, act/consequence and limits":"The current source basis is a revised 1997 Act consolidated to 1 Aug 2026 and a 2013 Act consolidated to 7 Jul 2026; these are administrative texts and do not warrant complete post-cutoff currency.","Source/pinpoint":"S001 front; S002 front"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S001","C_IE-P01-S002"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C002","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Atomic statement; predicates, act/consequence and limits":"The 2013 DMF amendment commenced on 1 Aug 2013, not merely when the Act was published or enacted.","Source/pinpoint":"S003 s.59; S004 art.2, printed p.2/PDF 1"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S003","C_IE-P01-S004"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C003","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Atomic statement; predicates, act/consequence and limits":"DM services include advice on whole/partial debt discharge, debt-connected budgeting, negotiations with creditors and similar discharge activity; negotiation-only may therefore trigger classification.","Source/pinpoint":"S005 s.28(1), “debt management services” (a)–(c); S033 regs.287, 299"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S033"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C004","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Atomic statement; predicates, act/consequence and limits":"Remuneration includes direct/indirect commission or payment, including payment for a different service resulting in apparently free DM work; identify economic recipient and purpose.","Source/pinpoint":"S005 s.28(1), “remuneration”"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C005","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Atomic statement; predicates, act/consequence and limits":"The licensing definition of consumer includes an individual acting outside business or a microenterprise; capacity and enterprise size must be tested.","Source/pinpoint":"S005 s.28(1), “consumer” (a)–(b); S003 s.59(b)"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S003"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C006","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Atomic statement; predicates, act/consequence and limits":"The Commission's explanatory microenterprise threshold is staff below 10 and turnover or balance sheet no more than €2m, with group attribution potentially material; exact Recommendation Annex unresolved.","Source/pinpoint":"S008 table and group caveat; S042 inaccessible"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S008","C_IE-P01-S042"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C007","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Atomic statement; predicates, act/consequence and limits":"The DM-service limb is expressed as discharge of “debts” without an express unsecured/card-only list; this does not determine substantive treatment of any particular debt product, secured claim or public liability.","Source/pinpoint":"S005 s.28(1), service definition (a)–(c); inference limited to statutory text"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C008","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Atomic statement; predicates, act/consequence and limits":"A creditor enforcing its own claim or its collector is not, merely by taking payment, providing a discharge service to the debtor; actual beneficiary, mandate and activities control the inference. Separate credit-servicing rules may apply.","Source/pinpoint":"S005 s.28(1) DM and credit-servicing definitions; S038 framework; classification inference"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S038"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C009","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Atomic statement; predicates, act/consequence and limits":"Charitable organisation is excepted, but the definition in the Charities Act has substantive charitable-purpose, asset-use and excluded-body predicates. “Nonprofit” is not sufficient proof.","Source/pinpoint":"S005 excepted (a); S009 s.2(1)"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S009"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C010","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Atomic statement; predicates, act/consequence and limits":"MABS is specifically an excepted person; a different provider using similar descriptions does not acquire that statutory identity.","Source/pinpoint":"S005 excepted (b); S006 s.29(5)(b)"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S006"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C011","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Atomic statement; predicates, act/consequence and limits":"A licensed bank, building society, credit union or friendly society is an excepted person; verify actual status and responsible legal person.","Source/pinpoint":"S005 excepted (c)"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C012","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Atomic statement; predicates, act/consequence and limits":"Barrister, solicitor or accountant exception requires services to be only incidental and the professional to be subject to regulation by a professional body.","Source/pinpoint":"S005 excepted (d)"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C013","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Atomic statement; predicates, act/consequence and limits":"The Protocol exception requires party status and provision of advice according to the 2 Aug 2012 Protocol as amended. Full operative Protocol not read; no broader exemption claimed.","Source/pinpoint":"S005 excepted (e)"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C014","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Atomic statement; predicates, act/consequence and limits":"ISI, a s.47 approved intermediary acting as such, and a PIP authorised under Part 5 practising as such are statutory excepted persons in those capacities.","Source/pinpoint":"S005 excepted (f); S036 s.47(1); S037 s.164"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S036","C_IE-P01-S037"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C015","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Atomic statement; predicates, act/consequence and limits":"Section 28 additionally lists personal representatives, qualifying trustees, CBI, An Post, NAMA, NTMA, historical National Consumer Agency and persons constituted/holding office under enactment or funded in whole/part by a Minister; each factual condition must be documented.","Source/pinpoint":"S005 excepted (g)–(n); s.28 annotations"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C016","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Atomic statement; predicates, act/consequence and limits":"Excepted persons are not treated as carrying on the DMF regulated business; exclusion from this one category is not blanket immunity under all financial or professional rules.","Source/pinpoint":"S006 s.29(5)(b); S005 exceptions"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S006","C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C017","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Atomic statement; predicates, act/consequence and limits":"A third-party payer/referrer, paid ancillary service or free consultation must be analysed for indirect remuneration, not assumed dispositive either way.","Source/pinpoint":"S005 “remuneration”; application inference"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C018","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Atomic statement; predicates, act/consequence and limits":"Bank standards state DMF services must be conducted within the State; individual authorisation conditions remain material. This is not a complete extraterritorial statute.","Source/pinpoint":"S020 §1.3–1.4, printed p.3/PDF 2"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S020"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C019","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Atomic statement; predicates, act/consequence and limits":"Bank application guidance says DMF authorisation is granted only to persons established in the State; remote nexus and foreign licence recognition are not conclusively resolved by that guidance alone.","Source/pinpoint":"S022 printed p.4/PDF 3; S021 process"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S022","C_IE-P01-S021"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C020","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Atomic statement; predicates, act/consequence and limits":"A non-excepted covered person must seek the relevant CBI authorisation; application uses Bank-specified form/documents and fee if prescribed. No current specific application amount established.","Source/pinpoint":"S006 s.29(1); S011 s.30(1)–(3)"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S006","C_IE-P01-S011"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C021","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Atomic statement; predicates, act/consequence and limits":"Bank grant/refusal is governed by s.31's enumerated predicates and proposed-refusal/reps process; application alone is not permission.","Source/pinpoint":"S012 s.31(1)–(7)"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S012"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C022","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Atomic statement; predicates, act/consequence and limits":"Firm authorisation scrutiny includes owner/manager competence and probity, staffing, systems and financial resources; applicable controlled functions and PCFs have separate personal approval/certification rules.","Source/pinpoint":"S013 s.31A(a)–(g); S023 s.21; S024 s.23; S025 scope"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S013","C_IE-P01-S023","C_IE-P01-S024","C_IE-P01-S025"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C023","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Atomic statement; predicates, act/consequence and limits":"Granted permission operates subject to its particular conditions and continues until lawful revocation; authorisation and annexes define scope.","Source/pinpoint":"S014 s.32; S015 s.33; S016 s.33A"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S014","C_IE-P01-S015","C_IE-P01-S016"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C024","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Atomic statement; predicates, act/consequence and limits":"Current-linked Bank DMF standards specify PII €1.25m per claim and €1.85m aggregate per policy period, insurer confirmation before commencing and annually, plus ability to bear excess. This is not a bond or promised payment to a particular customer.","Source/pinpoint":"S016 s.33A(5); S020 §3.1–3.3, printed p.6/PDF 5"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S016","C_IE-P01-S020"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C025","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Atomic statement; predicates, act/consequence and limits":"DMF standards require obligations to be met when due and balance-sheet assets above liabilities under their stated exclusion of intangibles; the requirement is not a fixed statutory cash deposit.","Source/pinpoint":"S020 §2, printed p.6/PDF 5"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S020"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C026","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Atomic statement; predicates, act/consequence and limits":"Required records must be held at notified offices in Ireland and retained for relevant periods; Bank standards state a five-year minimum with record-type-specific starting events.","Source/pinpoint":"S019 s.36F; S020 §9, printed pp.13–14/PDF 12–13"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S019","C_IE-P01-S020"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C027","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Atomic statement; predicates, act/consequence and limits":"The Bank requires a DMF annual return tied to firm year-end, ordinarily within six months; other authorised categories have independent return duties. Actual entity deadline requires its facts.","Source/pinpoint":"S027 “DMF Return” and “Multiple Authorisations”; S020 §5.2"},"coordinator_verification_status":"scope_and_source_trace_checked_not_fresh_body_verified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S027","C_IE-P01-S020"],"coordinator_review":"Retained with source/currentness/application holds; no all-source acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C028","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Atomic statement; predicates, act/consequence and limits":"Conducting a covered regulated business without authorisation is prohibited and an offence; continuing after conviction has a further statutory offence mechanism. Fine reclassification notes prevent blindly repeating old summary amounts.","Source/pinpoint":"S006 s.29(1)–(3), editorial notes E37–E38"},"coordinator_verification_status":"selected_body_support_with_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S006"],"coordinator_review":"Selected body checked; case facts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C029","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Atomic statement; predicates, act/consequence and limits":"Breach of conditions by an authorised holder can be an offence; CBI may revoke under enumerated s.36A grounds. Corporate-officer liability has stated statutory defences, not automatic guilt.","Source/pinpoint":"S017 s.35; S018 s.36A; s.36K (see source note below)"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S017","C_IE-P01-S018"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C030","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Atomic statement; predicates, act/consequence and limits":"The three-month 2013 transitional route applied only to qualifying pre-existing firms and is not a current new-applicant route.","Source/pinpoint":"S007 s.34D(1)–(3); S004 art.2"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S007","C_IE-P01-S004"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C031","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Atomic statement; predicates, act/consequence and limits":"CBI has a separate DMF public-register category, advertised snapshot 22 Oct 2026; any listing is point-in-time and no proof of every service, actor, condition or result.","Source/pinpoint":"S029 DMF category; S028 portal; S030 register guidance"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S029","C_IE-P01-S028","C_IE-P01-S030"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C032","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Atomic statement; predicates, act/consequence and limits":"S.I. 81/2025 took effect 24 Mar 2026, with Chapter 12 applying to DMFs and a conduct distinction for negotiation-only work; it does not remove negotiation from the licensing definition. Older 2012 Code is superseded.","Source/pinpoint":"S032 reg.1(2); S033 regs.286–287, 299; S034 revocation history"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S032","C_IE-P01-S033","C_IE-P01-S034"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C033","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Atomic statement; predicates, act/consequence and limits":"ISI separately authorises statutory approved intermediaries and PIPs; PIP authorisation is personal and does not cover other CBI-regulated advisory services.","Source/pinpoint":"S036 s.47; S037 s.164(1)–(6)"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S036","C_IE-P01-S037"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C034","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Atomic statement; predicates, act/consequence and limits":"Creditor-side servicing can be subject to a separate Irish credit-servicing framework and a service-specific EU scheme; it is not automatically DMF activity or DMF permission.","Source/pinpoint":"S005 credit-servicing definition; S038 §§Credit Servicing Firms/Credit Servicers; separate implementing SI not fully read"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S038"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C035","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Atomic statement; predicates, act/consequence and limits":"CBI warns that DMF permission alone does not authorise holding client funds; payment/money-transmission permission must be separately established. Detailed payment law deferred.","Source/pinpoint":"S031 introduction; S029 separate register categories"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S031","C_IE-P01-S029"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C036","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Atomic statement; predicates, act/consequence and limits":"Bank's August 2026 Category C guide specifies the €1,198 minimum, €205,000 threshold, 0.21% variable rate, prescribed reporting-year base, default assessment and possible multiple levies/pro-rating.","Source/pinpoint":"S035 §2, §4.3 Table 6, printed pp.5,8,14/PDF 4,7,13"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S035"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C037","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Atomic statement; predicates, act/consequence and limits":"Under expressly assumed full-year/single-category circumstances, A=€250,000 gives €1,292.50 and A=€500,000 gives €1,817.50 by the Bank's Category C guide. These are researcher calculations, not invoice determinations.","Source/pinpoint":"S035 Table 6; arithmetic displayed above"},"coordinator_verification_status":"conditional_arithmetic_recomputed_source_basis_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S035"],"coordinator_review":"Both displayed sums recomputed exactly; guide fetch failed and charging SI unread. No invoice/entitlement finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C038","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Atomic statement; predicates, act/consequence and limits":"Verification must identify legal contracting person, actual service, direct/indirect benefits, debtor capacity, exception evidence and specific permission. This is a research workflow inference, not a prescribed statutory consumer form.","Source/pinpoint":"S005–S006 definitions; S015 authorisation conditions; S029–S030 verification"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S006","C_IE-P01-S015","C_IE-P01-S029","C_IE-P01-S030"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C039","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Atomic statement; predicates, act/consequence and limits":"No source establishes guaranteed creditor participation, debt cancellation, debt-reduction percentage, security release or judgment invalidity from DMF engagement or violation. The current conduct regulations separately acknowledge a creditor may decline concessions.","Source/pinpoint":"S033 reg.300(4), esp. creditor-acceptance warning; limits of S006"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S033","C_IE-P01-S006"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C040","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Atomic statement; predicates, act/consequence and limits":"S.I. 348/2026 operative text was inaccessible; S035 is an official Bank guide, not the enacted SI. A separate possible FSPO levy appeared in discovery but its 2026 operative text was also not read. Cost conclusions therefore remain qualified.","Source/pinpoint":"S035; S040–S041 failed/discovery"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S035","C_IE-P01-S040","C_IE-P01-S041"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C041","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Atomic statement; predicates, act/consequence and limits":"The Bank identifies two qualifications for the specified DM-services function, but a person's relevant qualification is not the firm's authority; actual role and minimum-competency applicability must be tested.","Source/pinpoint":"S026 Part 3; S021 pre-application section"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S026","C_IE-P01-S021"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C042","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Atomic statement; predicates, act/consequence and limits":"The s.28 text does not state an automatic rule for every guarantor; establish a debtor obligation and the person's individual/nonbusiness or microenterprise capacity before classifying.","Source/pinpoint":"S005 consumer and services definitions; expressly bounded inference"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C043","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Atomic statement; predicates, act/consequence and limits":"Payment-distribution-only conduct without debt advice/negotiation does not, on those facts alone, establish the DM-service definition; separate permissions remain possible. Adding advice or negotiation changes the classification.","Source/pinpoint":"S005 s.28 DM definition; S031 separate money warning; inference"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S031"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C044","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Atomic statement; predicates, act/consequence and limits":"An EU credit-servicer passport, foreign financial permission or Northern Ireland regulatory status does not itself establish permission for Irish DMF services. Complete cross-border conflict rules are outside this pass.","Source/pinpoint":"S020 §1.3; S022 establishment guidance; S038 distinct servicer framework"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S020","C_IE-P01-S022","C_IE-P01-S038"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C045","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C045","Atomic statement; predicates, act/consequence and limits":"Charities Act s.39 provides a separate public charity-registration mechanism. A registration record is one evidential input, not a blanket certificate of unrelated financial permissions.","Source/pinpoint":"S009 s.2(1); S010 s.39(1)–(4)"},"coordinator_verification_status":"explicit_source_or_application_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S009","C_IE-P01-S010"],"coordinator_review":"Unopened linked authority, currency, factual or access limitation remains; no absence inference.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C046","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Atomic statement; predicates, act/consequence and limits":"DMF standards require governance, controlled outsourcing, relevant branch/location approvals and supervisory records; an outsourced function does not automatically remove the firm's responsibility. Individual annex conditions control.","Source/pinpoint":"S020 §§4–9, especially printed pp.7–14/PDF 6–13; S039"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S020","C_IE-P01-S039"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C047","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Atomic statement; predicates, act/consequence and limits":"CBI describes multi-stage authorisation and a 90-working-day assessment service standard after a complete relevant submission, with pauses/exceptions; this is not a guaranteed approval date.","Source/pinpoint":"S021 Stages 1–6 and Service Standards"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S021"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C048","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Atomic statement; predicates, act/consequence and limits":"Current fitness/probity rules address applicable people/functions; exemption from an individual standard must not be misread as exemption from DMF firm authorisation.","Source/pinpoint":"S023–S025; S021"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S023","C_IE-P01-S024","C_IE-P01-S025","C_IE-P01-S021"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C049","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Atomic statement; predicates, act/consequence and limits":"Personal voluntary advice and the exact Irish statutory insolvency capacities are separate pathways; no full process, eligibility, creditor vote, court or discharge conclusion is made.","Source/pinpoint":"S005 excepted (f); S033 reg.286; S036–S037"},"coordinator_verification_status":"selected_branch_or_scope_checked_remaining_sources_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":["C_IE-P01-S005","C_IE-P01-S033","C_IE-P01-S036","C_IE-P01-S037"],"coordinator_review":"Only selected predicates/source branches checked; linked body or application remains held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"},{"claim_id":"C_IE-P01-C050","area_numbers":[97,98],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Atomic statement; predicates, act/consequence and limits":"This component determines the perimeter/authorisation gateway only. Contract legality, consumer fees, funds, complaints, remedies and underlying debts require separately opened controlling sources and private facts.","Source/pinpoint":"Research scope limitation; no affirmative substantive law finding"},"coordinator_verification_status":"scope_limit_preserved","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_source_ids":[],"coordinator_review":"Deferred fee/contract/funds/remedy/country questions remain open.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00"}],"sources":[{"source_id":"C_IE-P01-S001","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S001","Issuer; title; full literal direct URL":"Law Reform Commission; Central Bank Act 1997, revised front. https://revisedacts.lawreform.ie/eli/1997/act/8/front/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Front, revision metadata. 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PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S002","urls":["https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html","https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S002","Issuer; title; full literal direct URL":"Law Reform Commission; Central Bank (Supervision and Enforcement) Act 2013, revised front. https://revisedacts.lawreform.ie/eli/2013/act/26/front/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Front, revision metadata. Body read. Revised through 7 July 2026; administrative consolidation. Ireland, amending Act; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S003","urls":["https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html","https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S003","Issuer; title; full literal direct URL":"Law Reform Commission; 2013 Act, s.59(a)–(b). https://revisedacts.lawreform.ie/eli/2013/act/26/section/59/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Definitions and exceptions introduced into 1997 Act s.28. Body read; commenced 1 Aug 2013 under S004. Ireland; consumers and DMF activities. PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S004","urls":["https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf","https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S004","Issuer; title; full literal direct URL":"Irish Statute Book; S.I. 287/2013, Commencement Order. https://www.irishstatutebook.ie/eli/2013/si/287/made/en/pdf","Pinpoint; version, jurisdiction and evidence status":"Article 2: printed p.2 / PDF index 1. Made 25 July 2013; commencement 1 Aug 2013 except s.72. Operative PDF body read, four pages."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S005","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S005","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.28(1). https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Consumer, DMF, services, remuneration, excepted persons, qualifying shareholder, credit-servicing definitions. Body read, revision governed by S001; PDF N/A."},"coordinator_verification_status":"selected_primary_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Selected s.28 definitions and exceptions; individual facts and linked regimes held.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S006","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S006","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.29(1)–(5). https://revisedacts.lawreform.ie/eli/1997/act/8/section/29/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Authorisation prohibition, offences, excepted-person rule, fines editorial notes, 2026 amendment annotation. Body read; PDF N/A."},"coordinator_verification_status":"selected_primary_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Selected s.29 prohibition/excepted-person body and editorial fine notes; no actual sanction.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S007","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S007","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.34D(1)–(3). https://revisedacts.lawreform.ie/eli/1997/act/8/section/34D/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Historic transitional DMF authorisation. Body read; inserted effective 1 Aug 2013; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S008","urls":["https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl","https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl&utm_source=chatgpt.com"],"researcher_record":{"ID":"S008","Issuer; title; full literal direct URL":"European Commission; SME definition. https://single-market-economy.ec.europa.eu/smes/sme-fundamentals/sme-definition_en?etrans=de&prefLang=sl","Pinpoint; version, jurisdiction and evidence status":"“SME definition” table and linked-enterprise warning. Official explanatory body read. Original Recommendation Annex not directly accessible; not itself operative incorporation text. EU definition used by Irish s.28; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S009","urls":["https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html","https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S009","Issuer; title; full literal direct URL":"Law Reform Commission; Charities Act 2009 s.2(1). https://revisedacts.lawreform.ie/eli/2009/act/6/section/2/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Charitable organisation/trust, constitution, excluded-body definitions. Body read; Irish exception predicate; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S010","urls":["https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html","https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S010","Issuer; title; full literal direct URL":"Law Reform Commission; Charities Act 2009 s.39(1)–(4), (16). https://revisedacts.lawreform.ie/eli/2009/act/6/section/39/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Charity register and activity-in-State application gateway. Relevant body read; separate from DMF authorisation; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S011","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S011","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.30(1)–(3). https://revisedacts.lawreform.ie/eli/1997/act/8/section/30/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Application, documents, fee if prescribed, information notice. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S012","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S012","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.31(1)–(7). https://revisedacts.lawreform.ie/eli/1997/act/8/section/31/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Grant/refusal grounds, notice/reps, registration. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S013","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S013","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.31A(a)–(g). https://revisedacts.lawreform.ie/eli/1997/act/8/section/31A/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Owners, managers, resources, supervision and organisation. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S014","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S014","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.32(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/32/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Effect and term of permission. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S015","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S015","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.33(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/33/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Conditions and annexes. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S016","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S016","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.33A(1)–(5). https://revisedacts.lawreform.ie/eli/1997/act/8/section/33A/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Bank supervisory conditions, qualifications and DMF PII enabling power. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S017","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S017","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.35(1)–(2). https://revisedacts.lawreform.ie/eli/1997/act/8/section/35/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Failure to comply with conditions, offence and fines editorial note. Body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S018","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html","https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S018","Issuer; title; full literal direct URL":"Law Reform Commission; 1997 Act s.36A(1)–(following procedural provisions). https://revisedacts.lawreform.ie/eli/1997/act/8/section/36A/revised/en/html","Pinpoint; version, jurisdiction and evidence status":"Revocation grounds including inactivity, breach, probity. 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Index body read; underlying named-entry PDF deliberately not opened or searched. PDF N/A for index."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S030","urls":["https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms","https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms?utm_source=chatgpt.com"],"researcher_record":{"ID":"S030","Issuer; title; full literal direct URL":"Central Bank; unauthorised firms/public status guidance. https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms","Pinpoint; version, jurisdiction and evidence status":"General register verification, impersonation and sector-dependent EEA passport caution. 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PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S032","urls":["https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general","https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general?utm_source=chatgpt.com"],"researcher_record":{"ID":"S032","Issuer; title; full literal direct URL":"Central Bank; online reproduction of S.I. 81/2025, Part 1. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general","Pinpoint; version, jurisdiction and evidence status":"Regulation 1(1)–(2), formal 2025 name and 24 Mar 2026 commencement. 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PDF N/A for this HTML."},"coordinator_verification_status":"selected_primary_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Regulator HTML regulation1(2) commencement read; not whole 2025 code recertification.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S033","urls":["https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements","https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements?utm_source=chatgpt.com"],"researcher_record":{"ID":"S033","Issuer; title; full literal direct URL":"Central Bank; online reproduction of S.I. 81/2025, Part 3 Chapter 12. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements","Pinpoint; version, jurisdiction and evidence status":"Regs. 286–287, 299 and adjacent Chapter 12 read for scope/negotiation-only branch. Remaining fee, contract and conduct provisions observed but intentionally not analysed as this pass's findings. Operative HTML; PDF N/A."},"coordinator_verification_status":"selected_primary_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Regulator HTML regulations286–287 and299 read; narrow role/scope exception, no full consumer-conduct review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S034","urls":["https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review","https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review?utm_source=chatgpt.com"],"researcher_record":{"ID":"S034","Issuer; title; full literal direct URL":"Central Bank; Consumer Protection Code Review. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review","Pinpoint; version, jurisdiction and evidence status":"Implementation and revocations; 2025 Code effective 24 Mar 2026, 2012 Code revoked 23 Mar 2026. 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Body read; PDF N/A."},"coordinator_verification_status":"selected_primary_body_checked_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"PIA164(1)–(6) current presented body read; personal authorisation and distinct-services limit; linked eligibility not exhaustive.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S038","urls":["https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process","https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process?utm_source=chatgpt.com"],"researcher_record":{"ID":"S038","Issuer; title; full literal direct URL":"Central Bank; credit-servicing authorisation process. https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process","Pinpoint; version, jurisdiction and evidence status":"Separate Part V/2023 servicing frameworks and service-specific EU rights. Regulator body read, not full 2023 implementing instrument. PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S039","urls":["https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process","https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process?utm_source=chatgpt.com"],"researcher_record":{"ID":"S039","Issuer; title; full literal direct URL":"Central Bank; DMF supervision process. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms/supervision-process","Pinpoint; version, jurisdiction and evidence status":"Current supervision, 2025 consumer-code linkage and conditions context. Guidance body read; PDF N/A."},"coordinator_verification_status":"researcher_access_preserved_not_freshly_reopened","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Source register and traceability examined; no fresh body certification in this selected review.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S040","urls":["https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf","https://www.legislation.ie/eli/2026/si/348/made/en/pdf","https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com","https://www.legislation.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S040","Issuer; title; full literal direct URL":"Irish Statute Book; S.I. 348/2026, Central Bank Act 1942 (Section 32D) Regulations 2026. https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf","Pinpoint; version, jurisdiction and evidence status":"Failed to open; official HTML/print and one official alternative https://www.legislation.ie/eli/2026/si/348/made/en/pdf also inaccessible. The Bank's S035 was read instead. No claim that SI body was read."},"coordinator_verification_status":"reported_failed_or_discovery_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Original failed/discovery status retained; not used to certify operative body or exhaustiveness.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S041","urls":["https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf","https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S041","Issuer; title; full literal direct URL":"Irish Statute Book; S.I. 64/2026, FSPO industry levy regulations. https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf","Pinpoint; version, jurisdiction and evidence status":"Discovery-only/failed to open. Search indicated a distinct possible annual levy; its legal base and current calculation are not adopted."},"coordinator_verification_status":"reported_failed_or_discovery_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Original failed/discovery status retained; not used to certify operative body or exhaustiveness.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S042","urls":["https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361","https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361&utm_source=chatgpt.com"],"researcher_record":{"ID":"S042","Issuer; title; full literal direct URL":"EUR-Lex; Commission Recommendation 2003/361/EC. https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361","Pinpoint; version, jurisdiction and evidence status":"Failed/robot-blocked during direct-read attempt. Exact Annex calculations and linked enterprises must be retrieved directly for borderline cases; S008 is only the official Commission explanation."},"coordinator_verification_status":"reported_failed_or_discovery_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Original failed/discovery status retained; not used to certify operative body or exhaustiveness.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false},{"source_id":"C_IE-P01-S043","urls":["https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/","https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/?utm_source=chatgpt.com"],"researcher_record":{"ID":"S043","Issuer; title; full literal direct URL":"Insolvency Service of Ireland, public practitioner directory/general material. https://www.gov.ie/en/insolvency-service-of-ireland/publications/pip-activity/","Pinpoint; version, jurisdiction and evidence status":"403/fetch failure; public directory described in discovery material but no entries or named persons searched. Statutory authorisation established through S036–S037, not this inaccessible page."},"coordinator_verification_status":"reported_failed_or_discovery_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP01reportcontext; rawcellsunchanged,mechanicalqualificationonly.","coordinator_check_scope":"Original failed/discovery status retained; not used to certify operative body or exhaustiveness.","coordinator_checked_at":"2026-10-26T22:52:48.574854+00:00","coordinator_review_file":"[internal evidence reference]","independent_review":false}],"coverage":[{"topic":"A01 Legal DMF category and authority","researcher_record":{"Issue":"A01 Legal DMF category and authority","Status":"answered","Finding location and exact claims":"A1, C003–C005, C020","Missing evidence; next focused action":"Recheck at publication against legislation after Aug 2026 consolidation"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C003","C_IE-P01-C004","C_IE-P01-C005","C_IE-P01-C020"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Recheck at publication against legislation after Aug 2026 consolidation"},{"topic":"A02 Advice, budgeting, negotiations, similar activity","researcher_record":{"Issue":"A02 Advice, budgeting, negotiations, similar activity","Status":"answered","Finding location and exact claims":"A1, C003","Missing evidence; next focused action":"Fact-specific service description needed for application"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C003"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Fact-specific service description needed for application"},{"topic":"A03 Negotiation without wider advice","researcher_record":{"Issue":"A03 Negotiation without wider advice","Status":"answered","Finding location and exact claims":"A1, 2026 note, C003, C032","Missing evidence; next focused action":"Later conduct pass to analyse reg.299 consequences"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C003","C_IE-P01-C032"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Later conduct pass to analyse reg.299 consequences"},{"topic":"A04 Direct/indirect benefit and nominally free work","researcher_record":{"Issue":"A04 Direct/indirect benefit and nominally free work","Status":"answered","Finding location and exact claims":"A1, B2, C004, C017","Missing evidence; next focused action":"Actual income and affiliated-payment documentation"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C004","C_IE-P01-C017"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual income and affiliated-payment documentation"},{"topic":"A05 Nonbusiness individual","researcher_record":{"Issue":"A05 Nonbusiness individual","Status":"answered","Finding location and exact claims":"A1, C005","Missing evidence; next focused action":"Actual capacity for each obligation"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C005"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual capacity for each obligation"},{"topic":"A06 Microenterprise limb","researcher_record":{"Issue":"A06 Microenterprise limb","Status":"partial","Finding location and exact claims":"A1, C005–C006","Missing evidence; next focused action":"Direct full Commission Recommendation Annex, affiliation/accounting rules"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C005","C_IE-P01-C006"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Direct full Commission Recommendation Annex, affiliation/accounting rules"},{"topic":"A07 Sole trader and business-purpose branch","researcher_record":{"Issue":"A07 Sole trader and business-purpose branch","Status":"partial","Finding location and exact claims":"A1, Scenario 4, C005–C007, C042","Missing evidence; next focused action":"Debtor's business capacity and Annex calculation"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C005","C_IE-P01-C006","C_IE-P01-C007","C_IE-P01-C042"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Debtor's business capacity and Annex calculation"},{"topic":"A08 Incorporated commercial entity branch","researcher_record":{"Issue":"A08 Incorporated commercial entity branch","Status":"partial","Finding location and exact claims":"A1, C005–C007","Missing evidence; next focused action":"Staff, accounts, linked enterprises; separate sector law"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C005","C_IE-P01-C006","C_IE-P01-C007"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Staff, accounts, linked enterprises; separate sector law"},{"topic":"A09 Guarantor debt","researcher_record":{"Issue":"A09 Guarantor debt","Status":"unresolved","Finding location and exact claims":"A1, Scenario 4, C042","Missing evidence; next focused action":"Obligation/deed and Irish guarantee classification research"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C042"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Obligation/deed and Irish guarantee classification research"},{"topic":"A10 Debt-category/credit-purpose limitation","researcher_record":{"Issue":"A10 Debt-category/credit-purpose limitation","Status":"partial","Finding location and exact claims":"A1, C007","Missing evidence; next focused action":"Product-specific definitions and exclusions in next debt-product passes"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C007"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Product-specific definitions and exclusions in next debt-product passes"},{"topic":"A11 Creditor, collector, purchaser distinction","researcher_record":{"Issue":"A11 Creditor, collector, purchaser distinction","Status":"partial","Finding location and exact claims":"B2, Scenario 2, C008, C034","Missing evidence; next focused action":"Full servicing SI and specific mandate"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C008","C_IE-P01-C034"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Full servicing SI and specific mandate"},{"topic":"A12 Irish territorial nexus","researcher_record":{"Issue":"A12 Irish territorial nexus","Status":"partial","Finding location and exact claims":"E, Scenario 3, C018–C019, C044","Missing evidence; next focused action":"Further territorial case law, CBI conditions and online fact patterns"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C018","C_IE-P01-C019","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Further territorial case law, CBI conditions and online fact patterns"},{"topic":"A13 Commencement","researcher_record":{"Issue":"A13 Commencement","Status":"answered","Finding location and exact claims":"A2, C002","Missing evidence; next focused action":"None for 2013 core commencement; later amendments separately"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C002"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. None for 2013 core commencement; later amendments separately"},{"topic":"A14 Historical transitional route","researcher_record":{"Issue":"A14 Historical transitional route","Status":"answered","Finding location and exact claims":"A2, C030","Missing evidence; next focused action":"Historic applicant facts only; not current route"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C030"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Historic applicant facts only; not current route"},{"topic":"A15 Amendment/consolidation currency","researcher_record":{"Issue":"A15 Amendment/consolidation currency","Status":"partial","Finding location and exact claims":"A2, C001, C032","Missing evidence; next focused action":"Official subsequent Oct 2026 amendment sweep before publishing"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C001","C_IE-P01-C032"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Official subsequent Oct 2026 amendment sweep before publishing"},{"topic":"A16 Future/proposed/expired distinction","researcher_record":{"Issue":"A16 Future/proposed/expired distinction","Status":"partial","Finding location and exact claims":"A2, 2026 note, C001, C032","Missing evidence; next focused action":"Reopen post-Aug instruments and any newly commenced amendments"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":7,"coordinator_claim_ids":["C_IE-P01-C001","C_IE-P01-C032"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Reopen post-Aug instruments and any newly commenced amendments"},{"topic":"B01 Statutory exhaustive excepted-person list","researcher_record":{"Issue":"B01 Statutory exhaustive excepted-person list","Status":"answered","Finding location and exact claims":"B1, C009–C015","Missing evidence; next focused action":"Factual proof per branch, not new generic carve-out"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C009","C_IE-P01-C010","C_IE-P01-C011","C_IE-P01-C012","C_IE-P01-C013","C_IE-P01-C014","C_IE-P01-C015"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Factual proof per branch, not new generic carve-out"},{"topic":"B02 Charities and nonprofit claims","researcher_record":{"Issue":"B02 Charities and nonprofit claims","Status":"partial","Finding location and exact claims":"B1, C009, C045","Missing evidence; next focused action":"Full constitution, actual statutory status and any later charity amendments"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C009","C_IE-P01-C045"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Full constitution, actual statutory status and any later charity amendments"},{"topic":"B03 MABS","researcher_record":{"Issue":"B03 MABS","Status":"answered","Finding location and exact claims":"B1, C010","Missing evidence; next focused action":"Verify real provider identity only in actual case"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C010"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Verify real provider identity only in actual case"},{"topic":"B04 Banks/building societies/credit unions/friendly societies","researcher_record":{"Issue":"B04 Banks/building societies/credit unions/friendly societies","Status":"answered","Finding location and exact claims":"B1, C011","Missing evidence; next focused action":"Particular institution and service role"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C011"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Particular institution and service role"},{"topic":"B05 Barrister/solicitor/accountant","researcher_record":{"Issue":"B05 Barrister/solicitor/accountant","Status":"partial","Finding location and exact claims":"B1, C012","Missing evidence; next focused action":"Incidental-work test on actual facts; profession-specific rules next"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C012"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Incidental-work test on actual facts; profession-specific rules next"},{"topic":"B06 Mortgage-forbearance Protocol","researcher_record":{"Issue":"B06 Mortgage-forbearance Protocol","Status":"unresolved","Finding location and exact claims":"B1, C013","Missing evidence; next focused action":"Retrieve signed/current Protocol and amendments, party criteria"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C013"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Retrieve signed/current Protocol and amendments, party criteria"},{"topic":"B07 Insolvency Service / approved intermediary / PIP","researcher_record":{"Issue":"B07 Insolvency Service / approved intermediary / PIP","Status":"answered","Finding location and exact claims":"B1, E, C014, C033","Missing evidence; next focused action":"Actual person's statutory capacity and present appointment"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C014","C_IE-P01-C033"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual person's statutory capacity and present appointment"},{"topic":"B08 Estate representatives and trustees","researcher_record":{"Issue":"B08 Estate representatives and trustees","Status":"partial","Finding location and exact claims":"B1, C015","Missing evidence; next focused action":"Succession/trust documents and separate fiduciary law"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C015"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Succession/trust documents and separate fiduciary law"},{"topic":"B09 Public statutory/funded actors","researcher_record":{"Issue":"B09 Public statutory/funded actors","Status":"partial","Finding location and exact claims":"B1, C015","Missing evidence; next focused action":"Enactment, appointment, funding and transferred-function provenance"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C015"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Enactment, appointment, funding and transferred-function provenance"},{"topic":"B10 Free private advisers","researcher_record":{"Issue":"B10 Free private advisers","Status":"answered","Finding location and exact claims":"A1, B2, C004, C016–C017","Missing evidence; next focused action":"Actual payments and separate obligations; no blanket classification"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C004","C_IE-P01-C016","C_IE-P01-C017"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual payments and separate obligations; no blanket classification"},{"topic":"B11 Own creditor and debt purchaser","researcher_record":{"Issue":"B11 Own creditor and debt purchaser","Status":"partial","Finding location and exact claims":"B2, C008, C034","Missing evidence; next focused action":"Full product and servicing-permission pass"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C008","C_IE-P01-C034"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Full product and servicing-permission pass"},{"topic":"B12 Creditor-side debt collectors","researcher_record":{"Issue":"B12 Creditor-side debt collectors","Status":"partial","Finding location and exact claims":"B2, Scenario 2, C008, C034","Missing evidence; next focused action":"Full SI 644/2023 and related actor exceptions"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C008","C_IE-P01-C034"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Full SI 644/2023 and related actor exceptions"},{"topic":"B13 Referral-only actor","researcher_record":{"Issue":"B13 Referral-only actor","Status":"partial","Finding location and exact claims":"B2, C017, C043","Missing evidence; next focused action":"Actual referral and service flows; separate intermediary rules"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C017","C_IE-P01-C043"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual referral and service flows; separate intermediary rules"},{"topic":"B14 Payment-distribution-only actor","researcher_record":{"Issue":"B14 Payment-distribution-only actor","Status":"partial","Finding location and exact claims":"B2, Scenario 6, C035, C043","Missing evidence; next focused action":"Payment services/money transmission law in deferred pass"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C035","C_IE-P01-C043"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Payment services/money transmission law in deferred pass"},{"topic":"B15 Employment/subcontracted representative","researcher_record":{"Issue":"B15 Employment/subcontracted representative","Status":"partial","Finding location and exact claims":"B2, D, C022, C038, C046","Missing evidence; next focused action":"Actual employer, outsourcing mandate, CF/PCF role and conditions"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C022","C_IE-P01-C038","C_IE-P01-C046"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual employer, outsourcing mandate, CF/PCF role and conditions"},{"topic":"B16 Foreign licence or professional title","researcher_record":{"Issue":"B16 Foreign licence or professional title","Status":"partial","Finding location and exact claims":"B2, E, C012, C019, C044","Missing evidence; next focused action":"Exact jurisdiction and activity authority; no automatic recognition"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":8,"coordinator_claim_ids":["C_IE-P01-C012","C_IE-P01-C019","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Exact jurisdiction and activity authority; no automatic recognition"},{"topic":"C01 Competent authorising body","researcher_record":{"Issue":"C01 Competent authorising body","Status":"answered","Finding location and exact claims":"C1, C020","Missing evidence; next focused action":"No real application"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C020"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. No real application"},{"topic":"C02 Firm authorisation versus other permission","researcher_record":{"Issue":"C02 Firm authorisation versus other permission","Status":"answered","Finding location and exact claims":"C1, B2, C020, C023, C034–C035","Missing evidence; next focused action":"Actual scope letter and other regimes"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C020","C_IE-P01-C023","C_IE-P01-C034","C_IE-P01-C035"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual scope letter and other regimes"},{"topic":"C03 Representative/intermediary substitute","researcher_record":{"Issue":"C03 Representative/intermediary substitute","Status":"unresolved","Finding location and exact claims":"C1, C020, C038","Missing evidence; next focused action":"Targeted enacted-law search for a relevant specific route; none established here"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C020","C_IE-P01-C038"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Targeted enacted-law search for a relevant specific route; none established here"},{"topic":"C04 Application form, documents, conditional charge","researcher_record":{"Issue":"C04 Application form, documents, conditional charge","Status":"partial","Finding location and exact claims":"C1, C020","Missing evidence; next focused action":"Current applicable fee SI for DMF-specific application amount"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C020"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Current applicable fee SI for DMF-specific application amount"},{"topic":"C05 Grant/refusal substantive and procedural rules","researcher_record":{"Issue":"C05 Grant/refusal substantive and procedural rules","Status":"answered","Finding location and exact claims":"C1, C021","Missing evidence; next focused action":"Actual notice/application not available"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C021"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual notice/application not available"},{"topic":"C06 Organisational and financial qualification","researcher_record":{"Issue":"C06 Organisational and financial qualification","Status":"answered","Finding location and exact claims":"C2, C022, C025","Missing evidence; next focused action":"Applicant accounts/ownership"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C022","C_IE-P01-C025"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Applicant accounts/ownership"},{"topic":"C07 PCF, controlled functions and fitness/probity","researcher_record":{"Issue":"C07 PCF, controlled functions and fitness/probity","Status":"answered","Finding location and exact claims":"C2, C022, C048","Missing evidence; next focused action":"Particular functions and personal status"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C022","C_IE-P01-C048"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Particular functions and personal status"},{"topic":"C08 Individual minimum competency","researcher_record":{"Issue":"C08 Individual minimum competency","Status":"partial","Finding location and exact claims":"C2, C041","Missing evidence; next focused action":"Applicable functions, complete current code/addenda and actual qualification"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C041"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Applicable functions, complete current code/addenda and actual qualification"},{"topic":"C09 PII enabling power and minimum cover","researcher_record":{"Issue":"C09 PII enabling power and minimum cover","Status":"answered","Finding location and exact claims":"C2, C024","Missing evidence; next focused action":"Policy exclusions, excess and actual insurer confirmation"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C024"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Policy exclusions, excess and actual insurer confirmation"},{"topic":"C10 Solvency calculation","researcher_record":{"Issue":"C10 Solvency calculation","Status":"answered","Finding location and exact claims":"C2, C025","Missing evidence; next focused action":"Actual balance sheet and Bank-specific conditions"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C025"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual balance sheet and Bank-specific conditions"},{"topic":"C11 Records and record location","researcher_record":{"Issue":"C11 Records and record location","Status":"answered","Finding location and exact claims":"C2, C026","Missing evidence; next focused action":"Actual written notification/retention schedule"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C026"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual written notification/retention schedule"},{"topic":"C12 Governance and outsourcing","researcher_record":{"Issue":"C12 Governance and outsourcing","Status":"answered","Finding location and exact claims":"C2, C046","Missing evidence; next focused action":"Actual annexes and outsourced-function facts"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C046"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual annexes and outsourced-function facts"},{"topic":"C13 Branch/location and additional activity","researcher_record":{"Issue":"C13 Branch/location and additional activity","Status":"partial","Finding location and exact claims":"C2, C046","Missing evidence; next focused action":"Current authorisation annex and applicable post-authorisation approval"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C046"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Current authorisation annex and applicable post-authorisation approval"},{"topic":"C14 Annual supervisory returns","researcher_record":{"Issue":"C14 Annual supervisory returns","Status":"answered","Finding location and exact claims":"C2, C027","Missing evidence; next focused action":"Entity year-end and actual reporting conditions"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C027"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Entity year-end and actual reporting conditions"},{"topic":"C15 Unauthorised-business consequence","researcher_record":{"Issue":"C15 Unauthorised-business consequence","Status":"answered","Finding location and exact claims":"C3, C028","Missing evidence; next focused action":"Actual charges/posture or sanctions not researched"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C028"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual charges/posture or sanctions not researched"},{"topic":"C16 Condition breach and revocation","researcher_record":{"Issue":"C16 Condition breach and revocation","Status":"answered","Finding location and exact claims":"C3, C029","Missing evidence; next focused action":"Procedure in an actual decision not analysed"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C029"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Procedure in an actual decision not analysed"},{"topic":"C17 Agency annual levy formula","researcher_record":{"Issue":"C17 Agency annual levy formula","Status":"partial","Finding location and exact claims":"C4, C036–C040","Missing evidence; next focused action":"Read full SI 348/2026 and any additional applicable levy SI"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C036","C_IE-P01-C037","C_IE-P01-C038","C_IE-P01-C039","C_IE-P01-C040"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Read full SI 348/2026 and any additional applicable levy SI"},{"topic":"C18 Authorisation application fee","researcher_record":{"Issue":"C18 Authorisation application fee","Status":"unresolved","Finding location and exact claims":"C1, C020, C040","Missing evidence; next focused action":"Retrieve DMF-specific fee instrument; do not infer zero"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C020","C_IE-P01-C040"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Retrieve DMF-specific fee instrument; do not infer zero"},{"topic":"C19 Separate FSPO levy/other agency cost","researcher_record":{"Issue":"C19 Separate FSPO levy/other agency cost","Status":"unresolved","Finding location and exact claims":"C4, C040","Missing evidence; next focused action":"Read S.I. 64/2026 and its charging predicates"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C040"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Read S.I. 64/2026 and its charging predicates"},{"topic":"C20 Consumer bond or guaranteed deposit","researcher_record":{"Issue":"C20 Consumer bond or guaranteed deposit","Status":"unresolved","Finding location and exact claims":"C2, C024–C025","Missing evidence; next focused action":"No such requirement established here; do not infer inexistence"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C024","C_IE-P01-C025"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. No such requirement established here; do not infer inexistence"},{"topic":"C21 Service-standard timing","researcher_record":{"Issue":"C21 Service-standard timing","Status":"answered","Finding location and exact claims":"C1, C047","Missing evidence; next focused action":"A non-binding target, not an individual deadline"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C047"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. A non-binding target, not an individual deadline"},{"topic":"C22 Statutory transition and continuing permission","researcher_record":{"Issue":"C22 Statutory transition and continuing permission","Status":"answered","Finding location and exact claims":"A2, C023, C030","Missing evidence; next focused action":"Actual present authorisation must still be verified"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":9,"coordinator_claim_ids":["C_IE-P01-C023","C_IE-P01-C030"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Actual present authorisation must still be verified"},{"topic":"D01 DMF public register exists","researcher_record":{"Issue":"D01 DMF public register exists","Status":"answered","Finding location and exact claims":"D, C031","Missing evidence; next focused action":"No individual result inspected"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C031"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. No individual result inspected"},{"topic":"D02 Category versus general financial-service registration","researcher_record":{"Issue":"D02 Category versus general financial-service registration","Status":"answered","Finding location and exact claims":"D, C023, C031, C034–C035","Missing evidence; next focused action":"Individual permission/annex needed"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C023","C_IE-P01-C031","C_IE-P01-C034","C_IE-P01-C035"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Individual permission/annex needed"},{"topic":"D03 Snapshot/currentness and identity impersonation","researcher_record":{"Issue":"D03 Snapshot/currentness and identity impersonation","Status":"answered","Finding location and exact claims":"D, C031, C038","Missing evidence; next focused action":"Current entry, exact legal/trading name and issuer verification"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C031","C_IE-P01-C038"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Current entry, exact legal/trading name and issuer verification"},{"topic":"D04 Professional exemption evidence","researcher_record":{"Issue":"D04 Professional exemption evidence","Status":"partial","Finding location and exact claims":"D, C012, C038","Missing evidence; next focused action":"Professional-regulator and work-incidental proof"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C012","C_IE-P01-C038"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Professional-regulator and work-incidental proof"},{"topic":"D05 Charity/public-body proof","researcher_record":{"Issue":"D05 Charity/public-body proof","Status":"partial","Finding location and exact claims":"D, C009, C015, C045","Missing evidence; next focused action":"Governing documents, public funding or statutory constitution"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C009","C_IE-P01-C015","C_IE-P01-C045"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Governing documents, public funding or statutory constitution"},{"topic":"D06 Statutory insolvency person verification","researcher_record":{"Issue":"D06 Statutory insolvency person verification","Status":"partial","Finding location and exact claims":"D, C014, C033","Missing evidence; next focused action":"ISI current directory unavailable; no named lookup"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C014","C_IE-P01-C033"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. ISI current directory unavailable; no named lookup"},{"topic":"D07 Remote/foreign authority documents","researcher_record":{"Issue":"D07 Remote/foreign authority documents","Status":"partial","Finding location and exact claims":"D, Scenario 3, C019, C044","Missing evidence; next focused action":"Foreign statute, permission and nexus facts"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C019","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Foreign statute, permission and nexus facts"},{"topic":"D08 No contract supplied","researcher_record":{"Issue":"D08 No contract supplied","Status":"unresolved","Finding location and exact claims":"D, C038, C050","Missing evidence; next focused action":"Obtain particular document only with later user authority; none here"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C038","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Obtain particular document only with later user authority; none here"},{"topic":"D09 General precedent or enforcement case","researcher_record":{"Issue":"D09 General precedent or enforcement case","Status":"excluded_with_reason","Finding location and exact claims":"Research limits, C050","Missing evidence; next focused action":"No actual case dispute or case investigation requested"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. No actual case dispute or case investigation requested"},{"topic":"D10 No person/provider/licence search","researcher_record":{"Issue":"D10 No person/provider/licence search","Status":"excluded_with_reason","Finding location and exact claims":"Method and D, C031","Missing evidence; next focused action":"Explicit privacy/scope restriction; none conducted"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":10,"coordinator_claim_ids":["C_IE-P01-C031"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Explicit privacy/scope restriction; none conducted"},{"topic":"E01 Republic of Ireland","researcher_record":{"Issue or jurisdiction":"E01 Republic of Ireland","Status":"answered","Finding location and exact claims":"A–E, C001–C005, C020","Missing evidence; next focused action":"Only focused DMF authorisation component"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C001","C_IE-P01-C002","C_IE-P01-C003","C_IE-P01-C004","C_IE-P01-C005","C_IE-P01-C020"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Only focused DMF authorisation component"},{"topic":"E02 Statutory DRN, DSA, PIA and bankruptcy names","researcher_record":{"Issue or jurisdiction":"E02 Statutory DRN, DSA, PIA and bankruptcy names","Status":"answered","Finding location and exact claims":"E, C033, C049","Missing evidence; next focused action":"Eligibility/process deferred"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C033","C_IE-P01-C049"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Eligibility/process deferred"},{"topic":"E03 Approved intermediary capacity","researcher_record":{"Issue or jurisdiction":"E03 Approved intermediary capacity","Status":"answered","Finding location and exact claims":"E, C014, C033","Missing evidence; next focused action":"Individual appointment and rules in actual case"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C014","C_IE-P01-C033"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Individual appointment and rules in actual case"},{"topic":"E04 PIP authorisation and limits","researcher_record":{"Issue or jurisdiction":"E04 PIP authorisation and limits","Status":"answered","Finding location and exact claims":"E, C033","Missing evidence; next focused action":"Individual status; regulatory details beyond gateway deferred"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C033"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Individual status; regulatory details beyond gateway deferred"},{"topic":"E05 Voluntary negotiation versus statutory process","researcher_record":{"Issue or jurisdiction":"E05 Voluntary negotiation versus statutory process","Status":"answered","Finding location and exact claims":"E, Scenarios 5–6, C003, C049","Missing evidence; next focused action":"No insolvency outcome inference"},"coordinator_acceptance":"scoped_trace_reviewed_not_country_acceptance","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C003","C_IE-P01-C049"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. No insolvency outcome inference"},{"topic":"E06 EU microenterprise incorporation","researcher_record":{"Issue or jurisdiction":"E06 EU microenterprise incorporation","Status":"partial","Finding location and exact claims":"A1, C005–C006","Missing evidence; next focused action":"Original 2003/361/EC Annex"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C005","C_IE-P01-C006"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Original 2003/361/EC Annex"},{"topic":"E07 EU credit-servicer implementation","researcher_record":{"Issue or jurisdiction":"E07 EU credit-servicer implementation","Status":"partial","Finding location and exact claims":"B2, E, C034, C044","Missing evidence; next focused action":"Read full SI 644/2023 for substantive servicing classification"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C034","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Read full SI 644/2023 for substantive servicing classification"},{"topic":"E08 Other EU/EEA states","researcher_record":{"Issue or jurisdiction":"E08 Other EU/EEA states","Status":"excluded_with_reason","Finding location and exact claims":"E, C019, C044","Missing evidence; next focused action":"A098 cross-border law and host-state permissions deferred"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C019","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. A098 cross-border law and host-state permissions deferred"},{"topic":"E09 Northern Ireland (UK)","researcher_record":{"Issue or jurisdiction":"E09 Northern Ireland (UK)","Status":"excluded_with_reason","Finding location and exact claims":"Scope, E, C044","Missing evidence; next focused action":"Separate jurisdiction; no UK rule imported"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Separate jurisdiction; no UK rule imported"},{"topic":"E10 Other UK regions and non-EU countries","researcher_record":{"Issue or jurisdiction":"E10 Other UK regions and non-EU countries","Status":"excluded_with_reason","Finding location and exact claims":"Scope, C044","Missing evidence; next focused action":"Independently researched country passes only"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Independently researched country passes only"},{"topic":"E11 Moving, foreign creditors, recognition and judgments","researcher_record":{"Issue or jurisdiction":"E11 Moving, foreign creditors, recognition and judgments","Status":"excluded_with_reason","Finding location and exact claims":"E, C044, C050","Missing evidence; next focused action":"A098 country-to-country questions later"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C044","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. A098 country-to-country questions later"},{"topic":"E12 Irish local/municipal or sector-specific overlay","researcher_record":{"Issue or jurisdiction":"E12 Irish local/municipal or sector-specific overlay","Status":"partial","Finding location and exact claims":"A1–B2, C007, C034","Missing evidence; next focused action":"Contract/product and local-specific source sweep later"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":11,"coordinator_claim_ids":["C_IE-P01-C007","C_IE-P01-C034"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Contract/product and local-specific source sweep later"},{"topic":"F01 Consumer fees, when earned, charging basis and caps","researcher_record":{"Deferred topic":"F01 Consumer fees, when earned, charging basis and caps","Status":"excluded_with_reason","Precise next question":"What current Irish rules govern every consumer charge, timing, benefit and prohibition for a DMF?","Relevant gateway claims":"C004, C032, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C004","C_IE-P01-C032","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What current Irish rules govern every consumer charge, timing, benefit and prohibition for a DMF?"},{"topic":"F02 Cancellation, termination and refunds","researcher_record":{"Deferred topic":"F02 Cancellation, termination and refunds","Status":"excluded_with_reason","Precise next question":"Which statutory and contract-specific cancellation/refund rights apply, with notice and trigger?","Relevant gateway claims":"C032, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C032","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which statutory and contract-specific cancellation/refund rights apply, with notice and trigger?"},{"topic":"F03 Consumer agreements and disclosures","researcher_record":{"Deferred topic":"F03 Consumer agreements and disclosures","Status":"excluded_with_reason","Precise next question":"What complete signed-agreement, precontract information and warning requirements apply under current 2025 regulations?","Relevant gateway claims":"C032, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C032","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What complete signed-agreement, precontract information and warning requirements apply under current 2025 regulations?"},{"topic":"F04 Advertising, sales and conduct","researcher_record":{"Deferred topic":"F04 Advertising, sales and conduct","Status":"excluded_with_reason","Precise next question":"Which current Standards for Business and Consumer Protection Regulations apply to each DMF service?","Relevant gateway claims":"C032, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C032","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which current Standards for Business and Consumer Protection Regulations apply to each DMF service?"},{"topic":"F05 Client money, trust, payment execution and safeguarding","researcher_record":{"Deferred topic":"F05 Client money, trust, payment execution and safeguarding","Status":"excluded_with_reason","Precise next question":"Which payment/money-transmission permission, segregation and consumer-fund safeguards apply to each funds-flow model?","Relevant gateway claims":"C035, C043, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C035","C_IE-P01-C043","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which payment/money-transmission permission, segregation and consumer-fund safeguards apply to each funds-flow model?"},{"topic":"F06 Civil claims, redress and complaints","researcher_record":{"Deferred topic":"F06 Civil claims, redress and complaints","Status":"excluded_with_reason","Precise next question":"What private cause, regulator process, ombudsman eligibility, limitation and remedies apply to a specified violation?","Relevant gateway claims":"C028–C029, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C028","C_IE-P01-C029","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What private cause, regulator process, ombudsman eligibility, limitation and remedies apply to a specified violation?"},{"topic":"F07 Regulatory enforcement and administrative sanctions","researcher_record":{"Deferred topic":"F07 Regulatory enforcement and administrative sanctions","Status":"excluded_with_reason","Precise next question":"What powers, procedures, appellate steps and consequences apply to an actual DMF breach?","Relevant gateway claims":"C028–C029, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C028","C_IE-P01-C029","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What powers, procedures, appellate steps and consequences apply to an actual DMF breach?"},{"topic":"F08 Irish loan/debt products","researcher_record":{"Deferred topic":"F08 Irish loan/debt products","Status":"excluded_with_reason","Precise next question":"How is each card, unsecured loan, mortgage, business debt, guarantee or hire product classified and regulated?","Relevant gateway claims":"C007, C034, C042"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C007","C_IE-P01-C034","C_IE-P01-C042"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. How is each card, unsecured loan, mortgage, business debt, guarantee or hire product classified and regulated?"},{"topic":"F09 Collection, validation, disputes","researcher_record":{"Deferred topic":"F09 Collection, validation, disputes","Status":"excluded_with_reason","Precise next question":"Which debt-specific proof, collection conduct and dispute rules govern creditors and servicers?","Relevant gateway claims":"C008, C034"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C008","C_IE-P01-C034"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which debt-specific proof, collection conduct and dispute rules govern creditors and servicers?"},{"topic":"F10 Limitation, acknowledgement and revival","researcher_record":{"Deferred topic":"F10 Limitation, acknowledgement and revival","Status":"excluded_with_reason","Precise next question":"What limits actions or revives obligations, differentiated by instrument and acknowledgment/payment?","Relevant gateway claims":"C039, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C039","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What limits actions or revives obligations, differentiated by instrument and acknowledgment/payment?"},{"topic":"F11 Credit reporting","researcher_record":{"Deferred topic":"F11 Credit reporting","Status":"excluded_with_reason","Precise next question":"What reporting and correction rules apply to settlement, arrears, defaults and guarantors?","Relevant gateway claims":"C039, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C039","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What reporting and correction rules apply to settlement, arrears, defaults and guarantors?"},{"topic":"F12 Court procedure, service and judgments","researcher_record":{"Deferred topic":"F12 Court procedure, service and judgments","Status":"excluded_with_reason","Precise next question":"Which court, service, defence, judgment and appeal provisions apply by debt/amount?","Relevant gateway claims":"C039, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C039","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which court, service, defence, judgment and appeal provisions apply by debt/amount?"},{"topic":"F13 Attachment, enforcement and exemptions","researcher_record":{"Deferred topic":"F13 Attachment, enforcement and exemptions","Status":"excluded_with_reason","Precise next question":"Which enforcement measures, exemptions and priority rules govern property/income?","Relevant gateway claims":"C039, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C039","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which enforcement measures, exemptions and priority rules govern property/income?"},{"topic":"F14 Secured, public, support, tax and priority debts","researcher_record":{"Deferred topic":"F14 Secured, public, support, tax and priority debts","Status":"excluded_with_reason","Precise next question":"Who can compromise each debt and under what priority, consent and public-law limits?","Relevant gateway claims":"C007, C039"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C007","C_IE-P01-C039"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Who can compromise each debt and under what priority, consent and public-law limits?"},{"topic":"F15 Assistance and public advice services","researcher_record":{"Deferred topic":"F15 Assistance and public advice services","Status":"excluded_with_reason","Precise next question":"What complete MABS/Abhaile/public and charity assistance programmes are available and eligible?","Relevant gateway claims":"C010, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C010","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What complete MABS/Abhaile/public and charity assistance programmes are available and eligible?"},{"topic":"F16 Full personal-insolvency/bankruptcy procedures","researcher_record":{"Deferred topic":"F16 Full personal-insolvency/bankruptcy procedures","Status":"excluded_with_reason","Precise next question":"DRN/DSA/PIA/bankruptcy eligibility, forms, costs, creditor process, protection, discharge, tax and appeals?","Relevant gateway claims":"C014, C033, C049"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C014","C_IE-P01-C033","C_IE-P01-C049"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. DRN/DSA/PIA/bankruptcy eligibility, forms, costs, creditor process, protection, discharge, tax and appeals?"},{"topic":"F17 Foreign consumers/providers and moving abroad","researcher_record":{"Deferred topic":"F17 Foreign consumers/providers and moving abroad","Status":"excluded_with_reason","Precise next question":"Which state may regulate each remote service after a residence or business-location change?","Relevant gateway claims":"C018–C019, C044"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C018","C_IE-P01-C019","C_IE-P01-C044"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Which state may regulate each remote service after a residence or business-location change?"},{"topic":"F18 Foreign debt, currency, law and jurisdiction","researcher_record":{"Deferred topic":"F18 Foreign debt, currency, law and jurisdiction","Status":"excluded_with_reason","Precise next question":"Applicable contract law, governing currency, forum, service abroad and foreign-creditor rights?","Relevant gateway claims":"C044, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C044","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Applicable contract law, governing currency, forum, service abroad and foreign-creditor rights?"},{"topic":"F19 Foreign judgments, assets and recognition","researcher_record":{"Deferred topic":"F19 Foreign judgments, assets and recognition","Status":"excluded_with_reason","Precise next question":"Recognition, enforcement, assets and insolvency cross-border effects for each country pair?","Relevant gateway claims":"C044, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C044","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Recognition, enforcement, assets and insolvency cross-border effects for each country pair?"},{"topic":"F20 Actual agreement or provider conduct","researcher_record":{"Deferred topic":"F20 Actual agreement or provider conduct","Status":"excluded_with_reason","Precise next question":"What do actual supplied terms, activities, payments, licences and communications establish?","Relevant gateway claims":"C038, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C038","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. What do actual supplied terms, activities, payments, licences and communications establish?"},{"topic":"F21 Legislative and policy changes after source cutoffs","researcher_record":{"Deferred topic":"F21 Legislative and policy changes after source cutoffs","Status":"partial","Precise next question":"Did any post-1 Aug 2026 amendment affect Part V, the current 2025 Code or ancillary fees?","Relevant gateway claims":"C001, C032, C040"},"coordinator_acceptance":"explicit_remaining_hold","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C001","C_IE-P01-C032","C_IE-P01-C040"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Did any post-1 Aug 2026 amendment affect Part V, the current 2025 Code or ancillary fees?"},{"topic":"F22 Other countries' legal regimes","researcher_record":{"Deferred topic":"F22 Other countries' legal regimes","Status":"excluded_with_reason","Precise next question":"Conduct a fresh country-specific primary-law perimeter pass; transfer only verified general research method.","Relevant gateway claims":"C044, C050"},"coordinator_acceptance":"explicit_deferred_or_excluded_not_answered","raw_table_index":12,"coordinator_claim_ids":["C_IE-P01-C044","C_IE-P01-C050"],"coordinator_review_file":"[internal evidence reference]","coordinator_review":"All98 rows reconciled with focused brief; researcher answered label does not certify all sources or country completion. Conduct a fresh country-specific primary-law perimeter pass; transfer only verified general research method."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_IE-pass-01-20261026-2256","status":"six_targeted_crosslinks_addressed_with_limits_via_P02","at":"2026-10-26T23:01:50.110703+00:00"}]}