{"meta":{"key":"c_ie--pass-02","task":"C_IE","title":"CIE Ireland traceability corrections","parent_title":"Ireland consumer debt and resolution","edition":"pass-02","path":"/research/c_ie--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":6,"claims":15,"sources":15,"review_status":"six_targeted_crosslink_repairs_addressed_with_limits","review_complete":true,"sha256":"722569d98a3cb6be5099833ca7f0934a2def7b2f803d22d31aa1cbb39a54d881","headings":["1. Complete replacement text — all six groups","Group 1 — C4 industry-funding formula paragraph","Group 2 — C4 evidence-limit paragraph","Group 3 — E statutory insolvency-option names","Group 4 — E statutory practitioner capacities","Group 5 — E credit-servicing framework","Group 6 — B2 adjacent-activity matrix closing cross-reference","2. Correction crosswalk","3. Arithmetic reconfirmation — no change to P01 examples","7. Researcher self-check","Disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_IE/pass-02","facets":{"geography":["international","c_ie"],"debt_type":[],"stage":[],"subject":[]},"scope":"Six narrative source crosslink repairs only; no whole report rerun","pending_corrections":0},"markdown":"# SettleADebt C_IE PASS-02 — Ireland traceability corrections\n\nSix narrative cross-references corrected Underlying levy authority and other P01 holds remain open\n\nScope: Six identified citation/cross-reference groups only. P01 findings, calculations, scenarios and registers remain preserved except for the replacement text below.\n\nResearch baseline: 22 October 2026, America/Los_Angeles.\nActual P02 source checks: 26 October 2026 (UTC, America/Los_Angeles and Ireland local date; exact retrieval times not recorded).\n\nI reopened the relevant Irish statutory sections and Central Bank webpages. The August 2026 industry-funding guide failed on a fresh direct request and one official URL variant; its precise P01 reading is retained as attributable prior evidence, not freshly verified in P02. The six defects are source-ID assignments, not demonstrated errors in the underlying P01 conclusions. Law Reform+4\n\n## 1. Complete replacement text — all six groups\n\n### Group 1 — C4 industry-funding formula paragraph\n\nReplace the original formula paragraph and its concluding cross-reference with:\n\nThe Central Bank of Ireland's August 2026 Funding Strategy and Guide to the 2026 Industry Funding Regulations, section 4.3, Table 6 (printed page 14; zero-based PDF page 13), places authorised debt management firms in industry-funding Category C.\n\nAccording to that Bank guide:\n\n- The minimum Category C levy is €1,198.\n- The stated variable calculation is (A − B) × C, where B = €205,000 and C = 0.21%.\n- A is income from fees plus commissions reported for the year ended 31 December 2024, or the most recently received preceding return as specified in the guide.\n- Fees and commissions are measured before deducting commissions payable to third parties.\n- The 2026 billing exercise relates to recovery of 2025 supervisory costs; it is not a consumer fee or debt-settlement charge.\n- Under the guide, newly authorised firms for which a return is not yet due receive the specified minimum assessment. Failure to file a required return may produce a €4,500 default assessment, replaceable following submission.\n- Partial-year authorisations and firms holding multiple regulatory authorisations may require additional calculations.\n\nThese are the figures and conditions recorded from the Bank guide in P01. The guide itself could not be reopened in P02, and the operative charging instrument remains unread; therefore the paragraph does not independently certify the enacted levy law or any current invoice. [C_IE-P01-C036–C037, C040; C_IE-P01-S035, §2 and §4.3 Table 6, printed pp.5, 8, 14 / PDF indices 4, 7, 13.]\n\nCorrection: `S034` becomes `S035`.\n\nWhy: `S034` is the Bank's Consumer Protection Code Review, addressing consumer-code history and implementation. `S035` is the Bank's industry-funding guide containing the reported Category C calculations. P02's failed re-fetch does not erase or elevate P01's documented reading.\n\n### Group 2 — C4 evidence-limit paragraph\n\nReplace the original evidence-limit paragraph with:\n\nLegal-evidence limitation: The Central Bank's official calculation guide was reported read in P01, but a fresh P02 retrieval failed. The operative text of S.I. 348/2026 has not been directly read in either the preserved P01 record or this correction pass. Accordingly, the two numerical illustrations reproduce the Bank guide formula as recorded in P01, rather than representing an independently reconciled interpretation of the complete charging instrument. Actual invoices, assessment bases, part-year adjustments, waivers, appeals, multiple-authorisation charges and any additional agency levies remain subject to the operative instrument and the relevant firm's facts. Neither illustration establishes a consumer charge, an insurance premium, a settlement percentage or a legal entitlement. [C_IE-P01-C040; C_IE-P01-S035, §2 and §4.3 Table 6, printed pp.5, 8, 14 / PDF indices 4, 7, 13; C_IE-P01-S040, operative instrument not read.]\n\nCorrection: `S034, S040` becomes `S035, S040`.\n\nWhy: The consumer-code review cannot support a levy calculation. `S040` remains a failed/not-read primary instrument, and cannot be presented as though its provisions were verified.\n\n### Group 3 — E statutory insolvency-option names\n\nReplace the original opening paragraph of section E with:\n\nIreland's named statutory insolvency options include Debt Relief Notice (DRN), Debt Settlement Arrangement (DSA), Personal Insolvency Arrangement (PIA) and bankruptcy. They must not be relabelled using mechanisms from another jurisdiction. The Central Bank's reproduction of the Consumer Protection Regulations 2025, Regulation 286, expressly uses these four names when defining insolvency option for Chapter 12 on debt management firms. Regulation 287 confines that Chapter to debt-management services provided by a debt management firm. These definitions identify the relevant Irish mechanisms but do not establish their eligibility conditions, application steps, discharge results or costs, which remain deferred. [C_IE-P01-C032–C033, C049; C_IE-P01-S033, regs.286–287.]\n\nCorrection: `S032` becomes `S033`.\n\nWhy: `S032`, Regulation 1(2), establishes the 24 March 2026 commencement of the 2025 Regulations. The specific list of statutory insolvency options is in `S033`, Regulation 286. Regulation 287 also supplies the proper Chapter 12 application boundary. Central Bank of Ireland+1\n\n### Group 4 — E statutory practitioner capacities\n\nReplace the original statutory-capacity discussion with:\n\nThe Personal Insolvency Act 2012 identifies distinct statutory capacities:\n\n- Under section 47(1), the Insolvency Service of Ireland may authorise a person or class of persons to perform the functions of an approved intermediary under the relevant Chapter. Section 47(5)–(6) provides for regulations governing that authorisation and its possible withdrawal.\n- Under section 164(1), the Insolvency Service may authorise an individual to practise as a personal insolvency practitioner (PIP). Section 164(3) contains grounds for refusing authorisation; subsection (5) makes that authorisation personal. Crucially, section 164(6) states that PIP authorisation does not authorise other forms of financial advisory service regulated by the Central Bank.\n\nThe DMF definition's excepted-person provision in the Central Bank Act 1997, section 28(1)(f), includes the Insolvency Service of Ireland, a section 47 approved intermediary acting as such, and an authorised PIP carrying on practice as such. The statutory capacity therefore matters: neither a professional title nor a PIP authorisation automatically excepts a separate commercial debtor-advice business or another legal person's paid voluntary debt negotiations. Determination of the actual capacity would require the relevant authorisation and engagement documents. [C_IE-P01-C014, C033, C049; C_IE-P01-S005, s.28(1)(f); S036, s.47(1), (5)–(6); S037, s.164(1), (3), (5)–(6).]\n\nCorrection: `S005, S035–S036` becomes `S005, S036–S037`.\n\nWhy: `S035` is the levy guide, not an insolvency statute. `S036` contains approved-intermediary authority; `S037` contains PIP authorisation and its limits. The actual sections support the bounded capacity distinction. Law Reform+2\n\n### Group 5 — E credit-servicing framework\n\nReplace the original credit-servicing paragraph with:\n\nThe credit-servicing regulatory framework is a separate activity and permission category from debtor-side debt-management services. The Central Bank explains that Irish credit-servicing regulation includes Part V of the Central Bank Act 1997 and the European Union (Credit Servicers and Credit Purchasers) Regulations 2023, implementing Directive (EU) 2021/2167 with effect from 30 December 2023. In describing the 2023 regime, the Bank distinguishes a relevant credit servicer, for which authorisation is required, from a credit purchaser on whom those particular regulations do not impose a direct authorisation obligation merely as purchaser. The Bank describes cross-border rights for appropriately authorised credit servicers under that framework. Such a service-specific route is not evidence of an equivalent passport for paid Irish debtor-side debt-management advice or negotiation. A real activity still requires classification under its applicable legislation. The complete 2023 implementing instrument was not independently analysed in P01 or P02. [C_IE-P01-C034, C044; C_IE-P01-S005, s.28(1), credit-servicing definition; C_IE-P01-S038, “Credit Servicing Firms” and “Credit Servicers” sections.]\n\nCorrection: `S037` becomes `S038`, with `S005` retained for the statutory distinction.\n\nPrecise qualification from the opened regulator text: The Bank's direct-purchaser statement is specifically about the 2023 regulations. It cannot be expanded into a claim that every credit purchaser is exempt from every Irish financial-services authorisation rule. Central Bank of Ireland+1\n\n### Group 6 — B2 adjacent-activity matrix closing cross-reference\n\nLeave every matrix row and its substantive classifications intact. Replace only the closing cross-reference with:\n\n[C_IE-P01-C003–C004, C011–C015, C034–C035, C043; C_IE-P01-S005, s.28(1), debt-management services, remuneration, excepted-person paragraphs (c), (d), (f) and credit-servicing definitions; S031, “Introduction to Debt Management Firms,” client-funds authorisation warning; S036, Personal Insolvency Act s.47(1); S037, Personal Insolvency Act s.164(1), (5)–(6); S038, “Credit Servicing Firms” and “Credit Servicers” sections.]\n\nCorrections:\n\n- `S005` supports the activity and actor definitions, including the professional and statutory-capacity predicates.\n- `S031` supports the Bank's warning that DMF authorisation by itself does not confer authority to hold client funds. Its reference to historic payment legislation must not be treated as certification of present payment-law detail.\n- `S036` and `S037` support the distinct insolvency-practitioner capacities.\n- `S038` supports the separate credit-servicing gateway.\n- `S035` is removed entirely from this actor matrix because levy calculations do not establish any of these actor distinctions.\n- `S030`, the general register/unauthorised-firms page, is not needed for this specific activity-and-capacity cross-reference. Its separate P01 verification use remains intact.\n\nLaw Reform+4## 2. Correction crosswalk\n\n| Group | Old P01 cross-reference | Corrected P01 cross-reference | Exact controlling subject and pinpoint | P02 disposition |\n| --- | --- | --- | --- | --- |\n| 1 — C4 formula | C036–C037, C040; S034 | C036–C037, C040; S035 | Bank funding guide §4.3, Table 6, printed p.14 / PDF 13; §2, printed pp.5,8 / PDF 4,7 | Crosslink fixed Guide reused from P01, P02 fetch failed |\n| 2 — C4 limit | C040; S034, S040 | C040; S035, S040 | S035 calculation guide; S040 SI 348/2026 operative instrument not read | Crosslink fixed Legal certification held |\n| 3 — Names | C032–C033; S032 | C032–C033, C049; S033 | 2025 Regulations reg.286, names; reg.287, Chapter 12 scope | Freshly checked |\n| 4 — Practitioner | C014, C033; S005, S035–S036 | C014, C033, C049; S005, S036–S037 | 1997 Act s.28(1)(f); PIA s.47(1), (5)–(6); s.164(1), (3), (5)–(6) | Freshly checked |\n| 5 — Servicing | C034, C044; S037 | C034, C044; S005, S038 | 1997 Act s.28 credit-servicing definition; CBI authorisation page, Credit Servicing Firms / Credit Servicers | Freshly checked |\n| 6 — B2 matrix | C003–C004, C011–C015, C034–C035, C043; S005, S030, S035–S037 | Same P01 activity/actor claims; S005, S031, S036–S038 | Statutory actor definitions; client-funds warning; PIA practitioner sections; servicing page | Freshly checked |\n\nHere and below, short identifiers such as `S035` refer to the original P01 IDs. P02's own source and claim identifiers follow.\n\n## 3. Arithmetic reconfirmation — no change to P01 examples\n\nThe original formula is used only as recorded in the P01 Bank guide. Assume one Category C authorisation, full-year relevant authorisation, the specified reporting base, no other levy category, pro-rating, waiver or adjustment.\n\n| Input/step | Illustration 1 | Illustration 2 |\n| --- | --- | --- |\n| A — reported fees plus commissions | €250,000.00 | €500,000.00 |\n| B — threshold | €205,000.00 | €205,000.00 |\n| A − B | €45,000.00 | €295,000.00 |\n| Variable rate | 0.21% = 0.0021 | 0.21% = 0.0021 |\n| Variable calculation | €45,000 × 0.0021 = €94.50 | €295,000 × 0.0021 = €619.50 |\n| Minimum levy | €1,198.00 | €1,198.00 |\n| Illustrative total | €1,292.50 | €1,817.50 |\n\nBoth calculations were recomputed in P02. This verifies arithmetic against stipulated inputs, not source-law currency, liability, invoice amount or a consumer price. [C_IE-P01-C036–C037, C040; C_IE-P01-S035, §4.3 Table 6, reported P01 read.]\n\n# 4. P02 source register — C_IE-P02-S001 onward\n\nStatus meanings\n\n- Fresh body read: This pass opened and examined the relevant official body on 26 October 2026.\n- Precisely attributed P01 reuse: P01's recorded read is preserved; the present pass does not claim a new successful fetch.\n- Failed/not read: The specified retrieval failed or the authority remains inaccessible. It is not evidence of the operative contents.\n- Context only: Checked or preserved for boundary integrity, but not authority for a changed conclusion.\n\nAll listed dates are 26 October 2026 unless a document/version date is separately specified. No PDF page indices apply to HTML sources.\n\n| New ID; P01 alias | Issuer, title, full literal direct URL | Precise body/pinpoint; version, actual access and limit |\n| --- | --- | --- |\n| C_IE-P02-S001; P01 S005 | Law Reform Commission, Central Bank Act 1997, s.28 revised. [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) | Fresh body read. s.28(1): “debt management firm”; “debt management services” (a)–(c); “remuneration”; excepted (c), (d), (f); separate “credit servicing” definition. Ireland; amended/consolidated Act, P01 revision cutoff 1 Aug 2026. PDF/printed pages N/A. |\n| C_IE-P02-S002; P01 S031 | Central Bank of Ireland, Debt Management Firms — Introduction. [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) | Fresh body read. “Introduction to Debt Management Firms,” statutory definition and explicit distinction between DMF permission and authority to hold client funds. Regulator guidance. The page's legacy reference to 2009 payment regulations is not adopted as current payment-law authority. HTML, pages N/A. |\n| C_IE-P02-S003; P01 S032 | Central Bank of Ireland, online operative reproduction of Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 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) | Fresh body read. Regulation 1(1)–(2); commencement 24 Mar 2026. It does not provide Regulation 286's insolvency names. HTML, pages N/A. |\n| C_IE-P02-S004; P01 S033 | Central Bank of Ireland, same 2025 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](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) | Fresh body read. Chapter 12, regs.286, 287, 299. Regulation 286 lists DRN/DSA/PIA/bankruptcy; 287 applies Chapter 12 to DMF services; 299 defines a narrow nonapplication of particular conduct requirements where negotiation-only conditions are met. Not a new authorisation exception. HTML, pages N/A. |\n| C_IE-P02-S005; P01 S034 | Central Bank of Ireland, 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) | Fresh body read, but not relied upon for levy claims. Publication of Code 24 Mar 2025, commencement 24 Mar 2026, 2012 Code revocation effective 23 Mar 2026; page updated Aug 2026. Regulator history. HTML, pages N/A. |\n| C_IE-P02-S006; P01 S035 | Central Bank of Ireland, 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) | Precisely attributed P01 reuse; P02 fresh fetch failed. P01 records a successful August 2026, 29-page guide read: §2, printed pp.5,8 / PDF indices 4,7; §4.3 Table 6, printed p.14 / PDF index 13. P02 attempted this exact URL and the official variant using `(002).pdf`; both failed. It is a Bank guide, not S.I. 348/2026. |\n| C_IE-P02-S007; P01 S036 | Law Reform Commission, Personal Insolvency Act 2012, s.47 revised. [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) | Fresh body read. s.47(1), (5)–(6): ISI approved-intermediary authorisation and regulatory powers. Additional section contents observed but fee/remedy analysis explicitly deferred. Ireland, amended statute. HTML, pages N/A. |\n| C_IE-P02-S008; P01 S037 | Law Reform Commission, Personal Insolvency Act 2012, s.164 revised. [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) | Fresh body read. s.164(1), (3), (5)–(6): PIP authorisation, refusal conditions, personal nature and non-extension to other CBI financial advice. Ireland, amended statute; s.164(4) amendment annotated as 31 Jul 2013. HTML, pages N/A. |\n| C_IE-P02-S009; P01 S038 | Central Bank of Ireland, Authorisation Process for Credit Servicing Firms and Credit Servicers. [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) | Fresh body read. “Credit Servicing Firms” and “Credit Servicers”; separate 1997/2023 regimes; EU directive, 2023 commencement and service-specific passport explanation. Regulator interpretation/guidance, not the complete enacted 2023 SI. HTML, pages N/A. |\n| C_IE-P02-S010; P01 S030 | Central Bank of Ireland, Unauthorised Firms. [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) | Fresh body read, context only. Register and impostor-verification cautions, general sector-dependent EEA passport statement. Not authority for specific creditor servicing, PIP status, consumer-funds handling or levy arithmetic. HTML, pages N/A. |\n| C_IE-P02-S011; P01 post-table scoped extension to S018, not a reassignment of S018 | Law Reform Commission, Central Bank Act 1997, s.36K revised. [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) | Fresh body read. s.36K(1)–(3), corporate-officer offences and statutory knowledge/reasonable-prevention branches; editorial fine reclassification note. P01 expressly appended this pinpoint to its s.36A/S018 source scope. Unchanged C029, outside six correction groups. HTML, pages N/A. |\n| C_IE-P02-S012; P01 S020 | Central Bank of Ireland, 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) | P01 preserved/context only; no fresh P02 body-read claim. 18-page PDF: §1.3 printed p.3/PDF 2; solvency §2 and PII §3 printed p.6/PDF 5. Coordinator's stated selected-passage check is attributable coordinator activity, not an independent review. No new correction made to territorial or PII claims. |\n| C_IE-P02-S013; P01 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/not read — inherited hold. Actual operative levy text was not opened in P01 or certified here; no printed/PDF pinpoint can honestly be assigned. S006 guide cannot replace statutory verification. |\n| C_IE-P02-S014; P01 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 in P01; not newly opened in P02. Separate levy scope/amount/trigger unresolved. |\n| C_IE-P02-S015; P01 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/blocked in P01; not reopened in P02. Operative microenterprise Annex details remain held; no conclusion from a fresh Annex reading is claimed. |\n\nP02 direct-source access boundary: P02 freshly verified S001–S005 and S007–S011 above. S006 was attempted twice in distinct official URL forms and failed; no third attempt or workaround was made. S012–S015 are precisely identified inherited records or holds, not fresh checks.\n\n# 5. Atomic P02 claim register — C_IE-P02-C001 onward\n\nEach P02 claim concerns the accuracy of the specified correction, not independent recertification of all Irish law. P01 claim IDs remain the controlling labels for preserved substantive content.\n\n| P02 ID | Atomic correction/statement | Authority and exact pinpoint | Conditions, consequence and limit |\n| --- | --- | --- | --- |\n| C_IE-P02-C001 | The 2026 DMF Category C formula paragraph belongs to P01 S035, not S034. | P02-S006/P01 S035, §4.3 Table 6, printed p.14/PDF 13; P02-S005/P01 S034, Code history subject | Source-identity correction; guide evidence P01 attributable reuse, not P02 fresh verified enactment. Preserves P01 C036–C037, C040. |\n| C_IE-P02-C002 | Levy evidence-limit paragraph must cite S035 guide and S040 unread operative SI; S034 is irrelevant. | P02-S006 and P02-S013; P02-S005 | Maintain unresolved operative law. No new application, agency payment, filing or deadline conclusion. Preserves P01 C040. |\n| C_IE-P02-C003 | The four named Irish insolvency options appear in Regulation 286, located in P01 S033, not S032. | P02-S004/P01 S033 reg.286; P02-S003/P01 S032 reg.1(2) | Mechanism naming only. Chapter 12 scope reg.287; no eligibility or discharge conclusion. Preserves C032–C033, C049. |\n| C_IE-P02-C004 | The narrow statutory approved-intermediary authorisation is in PIA s.47, P01 S036. | P02-S007/P01 S036 s.47(1), (5)–(6); P02-S001 s.28(1)(f) | Applies to the authorised approved intermediary acting as such; not ordinary paid advice. Preserves P01 C014, C033. |\n| C_IE-P02-C005 | PIP personal authorisation and non-extension to other regulated financial advice are in PIA s.164, P01 S037. | P02-S008/P01 S037 s.164(1), (3), (5)–(6); P02-S001 excepted (f) | PIP status must be actual and capacity-specific; no blanket commercial-provider permission. Preserves C014, C033, C049. |\n| C_IE-P02-C006 | Credit-servicing process, separate 2023 gateway and described servicer passport are supported by P01 S038, not PIA s.164/S037. | P02-S009/P01 S038, “Credit Servicing Firms” and “Credit Servicers”; P02-S001 s.28 credit-servicing definition | Specific to relevant servicing activities. The page distinguishes purchaser from servicer under 2023 rules; full SI not read. Preserves C034, C044. |\n| C_IE-P02-C007 | B2's general debtor-side service, remuneration and statutory-exception branches rest on S005, not a funding guide. | P02-S001/P01 S005 s.28(1), definitions and exceptions (c), (d), (f) | Application still turns on actual activity, beneficiary, indirect remuneration and exception predicates. Preserves C003–C004, C011–C015, C043. |\n| C_IE-P02-C008 | A DMF permission alone is not permission to hold customer funds; the relevant Bank warning is S031. | P02-S002/P01 S031, “Introduction,” client-funds paragraph | Separate present-day payment-law analysis held; no reliance on webpage's superseded 2009 example. Preserves C035, C043. |\n| C_IE-P02-C009 | B2 statutory-capacity and servicing source range is properly S036–S038, with distinct authorities in each. | P02-S007 s.47; S008 s.164; S009 credit-servicing sections | S035 removed; P01 actor distinctions not substantively expanded. Preserves C014, C033–C035. |\n| C_IE-P02-C010 | The two illustrative levy sums remain €1,292.50 and €1,817.50 on stipulated inputs and conditions. | P02-S006/P01 S035 §4.3 reported inputs; P02 arithmetic above | Arithmetic-only check; no current legal levy, consumer charge or firm invoice certification. Preserves C036–C037, C040. |\n| C_IE-P02-C011 | P01's C029 expressly used a post-table pinpoint for s.36K, rather than silently placing s.36K within the s.36A URL for S018. | P02-S011, 1997 Act s.36K(1)–(3), plus P01 scoped-extension note | Scope attribution preserved; no new penalty, liability or remedy determination. |\n| C_IE-P02-C012 | P01 S034 is valid only for Code review/commencement history in these groups, not for industry funding or insolvency-option names. | P02-S005 Code review; P02-S003 reg.1(2); P02-S004 reg.286 | This is a subject/pinpoint correction, not an accusation that S034 itself was unreliable. |\n| C_IE-P02-C013 | P02's inability to reopen S035 and continuing inability to read S.I. 348/2026 leave statutory levy verification unresolved. | P02-S006 failed re-fetch; P02-S013 not-read; retained P01 read record | No inferred amount from inaccessible instrument; guide remains qualified evidence. |\n| C_IE-P02-C014 | Source correction does not convert the Bank's general EEA passport warning into an Irish DMF passport. | P02-S010/P01 S030; P02-S009 servicing-specific discussion | Remote authorisation and all A098 recognition questions remain held. |\n| C_IE-P02-C015 | P02 makes no finding on consumer contracts/charges, safeguarding, disputes, civil remedies, statutory insolvency procedure or unrelated country law. | User's bounded correction scope; P01 C050 | Explicit research boundary, not a purported rule of Irish law. |\n\n# 6. Granular P02 coverage register\n\n| Coverage ID | Exact focused issue | Status | Finding/replacement location; P02 and retained P01 claims | Gap and next focused action |\n| --- | --- | --- | --- | --- |\n| P02-K01 | Formula-paragraph source identity | answered | Group 1; P02-C001; P01 C036–C037, C040 | Corrected to S035. Source-law certification remains K09. |\n| P02-K02 | Formula evidence-limit source identity | answered | Group 2; P02-C002, C013; P01 C040 | S035 guide versus unread S040 charging instrument clearly separated. |\n| P02-K03 | Names of four Irish statutory insolvency options | answered | Group 3; P02-C003, C012; P01 C032–C033, C049 | Regulation 286 mapped to S033. Full eligibility remains deferred. |\n| P02-K04 | Approved-intermediary and PIP statutory capacities | answered | Group 4; P02-C004–C005; P01 C014, C033, C049 | S005 excepted (f), S036 s.47 and S037 s.164 accurately mapped. Actual individual's status not examined. |\n| P02-K05 | Credit-servicing framework source identity | answered | Group 5; P02-C006, C014; P01 C034, C044 | S038 verified. Full 2023 implementing SI remains outside P02. |\n| P02-K06 | Adjacent-activity matrix closing crosslink | answered | Group 6; P02-C007–C009; P01 C003–C004, C011–C015, C034–C035, C043 | S005/S031/S036/S037/S038 mapped by actor function. No matrix cells changed. |\n| P02-K07 | Industry arithmetic | answered, arithmetic only | Computation table; P02-C010; P01 C036–C037 | Both totals independently recalculated on P01 assumptions; not legal amount determination. |\n| P02-K08 | Fresh funding-guide retrieval | partial | P02-S006; P02-C001–C002, C013 | P02 exact URL plus one official variant failed. P01 read record preserved. Next: official retrievable edition. |\n| P02-K09 | S.I. 348/2026 enacted calculation | unresolved | P02-S013; P02-C013 | Full operative text must be read before law-level certification. |\n| P02-K10 | Separate FSPO annual levy | unresolved | P02-S014; P01 C040 | Read current operative S.I. 64/2026; no amount adopted. |\n| P02-K11 | P01 C029 s.36K post-table extension | answered for preservation | P02-S011; P02-C011 | Original s.36A/S018 identifier unchanged; s.36K is expressly a scoped extension. No seventh substantive correction. |\n| P02-K12 | P01 S020 DMF standards and territorial/insurance conditions | excluded_with_reason | P02-S012; P01 C018, C024–C025 | Unaffected by six citation defects; no full rereview. Currentness/individual conditions held. |\n| P02-K13 | Mortgage-forbearance Protocol and amendments | unresolved, retained | P01 C013 | Retrieve full current Protocol and exact party/advice predicates in a later focused pass. |\n| P02-K14 | Microenterprise original Recommendation Annex | unresolved, retained | P02-S015; P01 C005–C006 | Read operative Annex and related enterprise tests. |\n| P02-K15 | Remote, EU, EEA, foreign-provider nexus | partial, retained | P02-C014; P01 C018–C019, C044 | No automatic foreign permission recognition; jurisdictional analysis remains A098 work. |\n| P02-K16 | Post-August 2026 amendment/currency sweep | unresolved, retained | P01 C001, C032, C040 | Reopen later legislation and regulatory instruments before publication. |\n| P02-K17 | Consumer fees, contract terms, cancellation/refunds | excluded_with_reason | P02-C015; P01 C050 and F01–F04 | Dedicated future Irish consumer-protection pass; nothing resolved here. |\n| P02-K18 | Client money, payment permission and safeguarding | excluded_with_reason | P02-C008, C015; P01 C035, C043 | Only authorisation warning retained; operative payment/financial-safeguard analysis later. |\n| P02-K19 | Complaints, enforcement specifics and private remedies | excluded_with_reason | P02-C011, C015; P01 C028–C029, C050 | C029 scoped-extension recognition is not remedies review. |\n| P02-K20 | Irish debt categories, collection, reporting, courts and limitation | excluded_with_reason | P02-C015; P01 F08–F14 | No broader country analysis launched. |\n| P02-K21 | Full DRN/DSA/PIA/bankruptcy eligibility/process | excluded_with_reason | P02-C003–C005, C015; P01 C049 | Names/capacity only; forms, procedure, costs and outcomes deferred. |\n| P02-K22 | Northern Ireland, other UK countries and non-Irish jurisdictions | excluded_with_reason | P02-C014–C015; P01 C044 | Separately researched jurisdictions; no imported rules. |\n| P02-K23 | Named person, firm, licence, contract or litigation | excluded_with_reason | Research method; P02-C015 | Explicit read-only correction restriction; no such lookup undertaken. |\n| P02-K24 | All-source independent recertification and parent acceptance | excluded_with_reason | Self-check below | Six-group self-check only. Coordinator review/acceptance is separate; A097/A098 held. |\n\n## 7. Researcher self-check\n\n| Test | Result |\n| --- | --- |\n| Exactly six narrative groups corrected? | Yes. Two levy crosslinks, two insolvency crosslinks, one servicing crosslink, one B2 matrix closing crosslink. |\n| Original P01 source-ID meanings preserved? | Yes. S034 remains Code review, S035 remains funding guide, S036 approved intermediary, S037 PIP, S038 servicing. |\n| Current relevant body independently checked? | Yes, except fresh funding-guide body access failed. PIA, s.28, Code regs.1/286/287/299, servicing and client-funds warning were reopened. |\n| Precise printed/PDF pages retained for levy? | Yes, from attributable P01 reading only: Table 6 printed p.14, PDF index 13. |\n| Two sums recomputed? | Yes: €1,292.50 and €1,817.50. |\n| Unread SI treated as read? | No. S.I. 348/2026 remains explicitly inaccessible/unresolved. |\n| S018 extension overwritten? | No. s.36K(1)–(3) remains the original express post-table extension, verified but not relabelled. |\n| Any extra Ireland/country finding or site mutation? | No. No other-country report, private lookup, file write, site work or external action. |\n| Independent review claimed? | No. This is the researcher's bounded correction and self-check. |\n\n### Disposition\n\nThe six specified narrative source-traceability defects are corrected, and their exact replacement text and registers are visible above. P01 remains the preserved substantive base. The levy guide's successful P01 read and failed P02 retrieval have been distinguished; neither the enacted levy instrument nor the broader Ireland report has been certified.\n\nNo country, component, A097 or A098 acceptance is claimed.\n\nEND C_IE PASS-02\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Group","Old P01 cross-reference","Corrected P01 cross-reference","Exact controlling subject and pinpoint","P02 disposition"],["1 — C4 formula","C036–C037, C040; S034","C036–C037, C040; S035","Bank funding guide §4.3, Table 6, printed p.14 / PDF 13; §2, printed pp.5,8 / PDF 4,7","Crosslink fixed Guide reused from P01, P02 fetch failed"],["2 — C4 limit","C040; S034, S040","C040; S035, S040","S035 calculation guide; S040 SI 348/2026 operative instrument not read","Crosslink fixed Legal certification held"],["3 — Names","C032–C033; S032","C032–C033, C049; S033","2025 Regulations reg.286, names; reg.287, Chapter 12 scope","Freshly checked"],["4 — Practitioner","C014, C033; S005, S035–S036","C014, C033, C049; S005, S036–S037","1997 Act s.28(1)(f); PIA s.47(1), (5)–(6); s.164(1), (3), (5)–(6)","Freshly checked"],["5 — Servicing","C034, C044; S037","C034, C044; S005, S038","1997 Act s.28 credit-servicing definition; CBI authorisation page, Credit Servicing Firms / Credit Servicers","Freshly checked"],["6 — B2 matrix","C003–C004, C011–C015, C034–C035, C043; S005, S030, S035–S037","Same P01 activity/actor claims; S005, S031, S036–S038","Statutory actor definitions; client-funds warning; PIA practitioner sections; servicing page","Freshly checked"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Input/step","Illustration 1","Illustration 2"],["A — reported fees plus commissions","€250,000.00","€500,000.00"],["B — threshold","€205,000.00","€205,000.00"],["A − B","€45,000.00","€295,000.00"],["Variable rate","0.21% = 0.0021","0.21% = 0.0021"],["Variable calculation","€45,000 × 0.0021 = €94.50","€295,000 × 0.0021 = €619.50"],["Minimum levy","€1,198.00","€1,198.00"],["Illustrative total","€1,292.50","€1,817.50"]]},{"headers":[],"index":2,"links":[{"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://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms"},{"href":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general"},{"href":"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","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements"},{"href":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review"},{"href":"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","text":"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"},{"href":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html"},{"href":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html"},{"href":"https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process"},{"href":"https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms"},{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/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.irishstatutebook.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com","text":"https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf"},{"href":"https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf?utm_source=chatgpt.com","text":"https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf"},{"href":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361&utm_source=chatgpt.com","text":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361"}],"row_links":[[],[{"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://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms"}],[{"href":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general"}],[{"href":"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","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-3-consumer-banking--credit--arrears-and-certain-other-financial-arrangements"}],[{"href":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review"}],[{"href":"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","text":"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"}],[{"href":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html"}],[{"href":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html"}],[{"href":"https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process"}],[{"href":"https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms?utm_source=chatgpt.com","text":"https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms"}],[{"href":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html?utm_source=chatgpt.com","text":"https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/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.irishstatutebook.ie/eli/2026/si/348/made/en/pdf?utm_source=chatgpt.com","text":"https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf"}],[{"href":"https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf?utm_source=chatgpt.com","text":"https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf"}],[{"href":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361&utm_source=chatgpt.com","text":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361"}]],"rows":[["New ID; P01 alias","Issuer, title, full literal direct URL","Precise body/pinpoint; version, actual access and limit"],["C_IE-P02-S001; P01 S005","Law Reform Commission, Central Bank Act 1997, s.28 revised. https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html","Fresh body read. s.28(1): “debt management firm”; “debt management services” (a)–(c); “remuneration”; excepted (c), (d), (f); separate “credit servicing” definition. Ireland; amended/consolidated Act, P01 revision cutoff 1 Aug 2026. PDF/printed pages N/A."],["C_IE-P02-S002; P01 S031","Central Bank of Ireland, Debt Management Firms — Introduction. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms","Fresh body read. “Introduction to Debt Management Firms,” statutory definition and explicit distinction between DMF permission and authority to hold client funds. Regulator guidance. The page's legacy reference to 2009 payment regulations is not adopted as current payment-law authority. HTML, pages N/A."],["C_IE-P02-S003; P01 S032","Central Bank of Ireland, online operative reproduction of Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025, Part 1. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general","Fresh body read. Regulation 1(1)–(2); commencement 24 Mar 2026. It does not provide Regulation 286's insolvency names. HTML, pages N/A."],["C_IE-P02-S004; P01 S033","Central Bank of Ireland, same 2025 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","Fresh body read. Chapter 12, regs.286, 287, 299. Regulation 286 lists DRN/DSA/PIA/bankruptcy; 287 applies Chapter 12 to DMF services; 299 defines a narrow nonapplication of particular conduct requirements where negotiation-only conditions are met. Not a new authorisation exception. HTML, pages N/A."],["C_IE-P02-S005; P01 S034","Central Bank of Ireland, Consumer Protection Code Review. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review","Fresh body read, but not relied upon for levy claims. Publication of Code 24 Mar 2025, commencement 24 Mar 2026, 2012 Code revocation effective 23 Mar 2026; page updated Aug 2026. Regulator history. HTML, pages N/A."],["C_IE-P02-S006; P01 S035","Central Bank of Ireland, 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","Precisely attributed P01 reuse; P02 fresh fetch failed. P01 records a successful August 2026, 29-page guide read: §2, printed pp.5,8 / PDF indices 4,7; §4.3 Table 6, printed p.14 / PDF index 13. P02 attempted this exact URL and the official variant using (002).pdf; both failed. It is a Bank guide, not S.I. 348/2026."],["C_IE-P02-S007; P01 S036","Law Reform Commission, Personal Insolvency Act 2012, s.47 revised. https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html","Fresh body read. s.47(1), (5)–(6): ISI approved-intermediary authorisation and regulatory powers. Additional section contents observed but fee/remedy analysis explicitly deferred. Ireland, amended statute. HTML, pages N/A."],["C_IE-P02-S008; P01 S037","Law Reform Commission, Personal Insolvency Act 2012, s.164 revised. https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html","Fresh body read. s.164(1), (3), (5)–(6): PIP authorisation, refusal conditions, personal nature and non-extension to other CBI financial advice. Ireland, amended statute; s.164(4) amendment annotated as 31 Jul 2013. HTML, pages N/A."],["C_IE-P02-S009; P01 S038","Central Bank of Ireland, Authorisation Process for Credit Servicing Firms and Credit Servicers. https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process","Fresh body read. “Credit Servicing Firms” and “Credit Servicers”; separate 1997/2023 regimes; EU directive, 2023 commencement and service-specific passport explanation. Regulator interpretation/guidance, not the complete enacted 2023 SI. HTML, pages N/A."],["C_IE-P02-S010; P01 S030","Central Bank of Ireland, Unauthorised Firms. https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms","Fresh body read, context only. Register and impostor-verification cautions, general sector-dependent EEA passport statement. Not authority for specific creditor servicing, PIP status, consumer-funds handling or levy arithmetic. HTML, pages N/A."],["C_IE-P02-S011; P01 post-table scoped extension to S018, not a reassignment of S018","Law Reform Commission, Central Bank Act 1997, s.36K revised. https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html","Fresh body read. s.36K(1)–(3), corporate-officer offences and statutory knowledge/reasonable-prevention branches; editorial fine reclassification note. P01 expressly appended this pinpoint to its s.36A/S018 source scope. Unchanged C029, outside six correction groups. HTML, pages N/A."],["C_IE-P02-S012; P01 S020","Central Bank of Ireland, 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","P01 preserved/context only; no fresh P02 body-read claim. 18-page PDF: §1.3 printed p.3/PDF 2; solvency §2 and PII §3 printed p.6/PDF 5. Coordinator's stated selected-passage check is attributable coordinator activity, not an independent review. No new correction made to territorial or PII claims."],["C_IE-P02-S013; P01 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/not read — inherited hold. Actual operative levy text was not opened in P01 or certified here; no printed/PDF pinpoint can honestly be assigned. S006 guide cannot replace statutory verification."],["C_IE-P02-S014; P01 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 in P01; not newly opened in P02. Separate levy scope/amount/trigger unresolved."],["C_IE-P02-S015; P01 S042","EUR-Lex, Commission Recommendation 2003/361/EC. https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361","Failed/blocked in P01; not reopened in P02. Operative microenterprise Annex details remain held; no conclusion from a fresh Annex reading is claimed."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["P02 ID","Atomic correction/statement","Authority and exact pinpoint","Conditions, consequence and limit"],["C_IE-P02-C001","The 2026 DMF Category C formula paragraph belongs to P01 S035, not S034.","P02-S006/P01 S035, §4.3 Table 6, printed p.14/PDF 13; P02-S005/P01 S034, Code history subject","Source-identity correction; guide evidence P01 attributable reuse, not P02 fresh verified enactment. Preserves P01 C036–C037, C040."],["C_IE-P02-C002","Levy evidence-limit paragraph must cite S035 guide and S040 unread operative SI; S034 is irrelevant.","P02-S006 and P02-S013; P02-S005","Maintain unresolved operative law. No new application, agency payment, filing or deadline conclusion. Preserves P01 C040."],["C_IE-P02-C003","The four named Irish insolvency options appear in Regulation 286, located in P01 S033, not S032.","P02-S004/P01 S033 reg.286; P02-S003/P01 S032 reg.1(2)","Mechanism naming only. Chapter 12 scope reg.287; no eligibility or discharge conclusion. Preserves C032–C033, C049."],["C_IE-P02-C004","The narrow statutory approved-intermediary authorisation is in PIA s.47, P01 S036.","P02-S007/P01 S036 s.47(1), (5)–(6); P02-S001 s.28(1)(f)","Applies to the authorised approved intermediary acting as such; not ordinary paid advice. Preserves P01 C014, C033."],["C_IE-P02-C005","PIP personal authorisation and non-extension to other regulated financial advice are in PIA s.164, P01 S037.","P02-S008/P01 S037 s.164(1), (3), (5)–(6); P02-S001 excepted (f)","PIP status must be actual and capacity-specific; no blanket commercial-provider permission. Preserves C014, C033, C049."],["C_IE-P02-C006","Credit-servicing process, separate 2023 gateway and described servicer passport are supported by P01 S038, not PIA s.164/S037.","P02-S009/P01 S038, “Credit Servicing Firms” and “Credit Servicers”; P02-S001 s.28 credit-servicing definition","Specific to relevant servicing activities. The page distinguishes purchaser from servicer under 2023 rules; full SI not read. Preserves C034, C044."],["C_IE-P02-C007","B2's general debtor-side service, remuneration and statutory-exception branches rest on S005, not a funding guide.","P02-S001/P01 S005 s.28(1), definitions and exceptions (c), (d), (f)","Application still turns on actual activity, beneficiary, indirect remuneration and exception predicates. Preserves C003–C004, C011–C015, C043."],["C_IE-P02-C008","A DMF permission alone is not permission to hold customer funds; the relevant Bank warning is S031.","P02-S002/P01 S031, “Introduction,” client-funds paragraph","Separate present-day payment-law analysis held; no reliance on webpage's superseded 2009 example. Preserves C035, C043."],["C_IE-P02-C009","B2 statutory-capacity and servicing source range is properly S036–S038, with distinct authorities in each.","P02-S007 s.47; S008 s.164; S009 credit-servicing sections","S035 removed; P01 actor distinctions not substantively expanded. Preserves C014, C033–C035."],["C_IE-P02-C010","The two illustrative levy sums remain €1,292.50 and €1,817.50 on stipulated inputs and conditions.","P02-S006/P01 S035 §4.3 reported inputs; P02 arithmetic above","Arithmetic-only check; no current legal levy, consumer charge or firm invoice certification. Preserves C036–C037, C040."],["C_IE-P02-C011","P01's C029 expressly used a post-table pinpoint for s.36K, rather than silently placing s.36K within the s.36A URL for S018.","P02-S011, 1997 Act s.36K(1)–(3), plus P01 scoped-extension note","Scope attribution preserved; no new penalty, liability or remedy determination."],["C_IE-P02-C012","P01 S034 is valid only for Code review/commencement history in these groups, not for industry funding or insolvency-option names.","P02-S005 Code review; P02-S003 reg.1(2); P02-S004 reg.286","This is a subject/pinpoint correction, not an accusation that S034 itself was unreliable."],["C_IE-P02-C013","P02's inability to reopen S035 and continuing inability to read S.I. 348/2026 leave statutory levy verification unresolved.","P02-S006 failed re-fetch; P02-S013 not-read; retained P01 read record","No inferred amount from inaccessible instrument; guide remains qualified evidence."],["C_IE-P02-C014","Source correction does not convert the Bank's general EEA passport warning into an Irish DMF passport.","P02-S010/P01 S030; P02-S009 servicing-specific discussion","Remote authorisation and all A098 recognition questions remain held."],["C_IE-P02-C015","P02 makes no finding on consumer contracts/charges, safeguarding, disputes, civil remedies, statutory insolvency procedure or unrelated country law.","User's bounded correction scope; P01 C050","Explicit research boundary, not a purported rule of Irish law."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID","Exact focused issue","Status","Finding/replacement location; P02 and retained P01 claims","Gap and next focused action"],["P02-K01","Formula-paragraph source identity","answered","Group 1; P02-C001; P01 C036–C037, C040","Corrected to S035. Source-law certification remains K09."],["P02-K02","Formula evidence-limit source identity","answered","Group 2; P02-C002, C013; P01 C040","S035 guide versus unread S040 charging instrument clearly separated."],["P02-K03","Names of four Irish statutory insolvency options","answered","Group 3; P02-C003, C012; P01 C032–C033, C049","Regulation 286 mapped to S033. Full eligibility remains deferred."],["P02-K04","Approved-intermediary and PIP statutory capacities","answered","Group 4; P02-C004–C005; P01 C014, C033, C049","S005 excepted (f), S036 s.47 and S037 s.164 accurately mapped. Actual individual's status not examined."],["P02-K05","Credit-servicing framework source identity","answered","Group 5; P02-C006, C014; P01 C034, C044","S038 verified. Full 2023 implementing SI remains outside P02."],["P02-K06","Adjacent-activity matrix closing crosslink","answered","Group 6; P02-C007–C009; P01 C003–C004, C011–C015, C034–C035, C043","S005/S031/S036/S037/S038 mapped by actor function. No matrix cells changed."],["P02-K07","Industry arithmetic","answered, arithmetic only","Computation table; P02-C010; P01 C036–C037","Both totals independently recalculated on P01 assumptions; not legal amount determination."],["P02-K08","Fresh funding-guide retrieval","partial","P02-S006; P02-C001–C002, C013","P02 exact URL plus one official variant failed. P01 read record preserved. Next: official retrievable edition."],["P02-K09","S.I. 348/2026 enacted calculation","unresolved","P02-S013; P02-C013","Full operative text must be read before law-level certification."],["P02-K10","Separate FSPO annual levy","unresolved","P02-S014; P01 C040","Read current operative S.I. 64/2026; no amount adopted."],["P02-K11","P01 C029 s.36K post-table extension","answered for preservation","P02-S011; P02-C011","Original s.36A/S018 identifier unchanged; s.36K is expressly a scoped extension. No seventh substantive correction."],["P02-K12","P01 S020 DMF standards and territorial/insurance conditions","excluded_with_reason","P02-S012; P01 C018, C024–C025","Unaffected by six citation defects; no full rereview. Currentness/individual conditions held."],["P02-K13","Mortgage-forbearance Protocol and amendments","unresolved, retained","P01 C013","Retrieve full current Protocol and exact party/advice predicates in a later focused pass."],["P02-K14","Microenterprise original Recommendation Annex","unresolved, retained","P02-S015; P01 C005–C006","Read operative Annex and related enterprise tests."],["P02-K15","Remote, EU, EEA, foreign-provider nexus","partial, retained","P02-C014; P01 C018–C019, C044","No automatic foreign permission recognition; jurisdictional analysis remains A098 work."],["P02-K16","Post-August 2026 amendment/currency sweep","unresolved, retained","P01 C001, C032, C040","Reopen later legislation and regulatory instruments before publication."],["P02-K17","Consumer fees, contract terms, cancellation/refunds","excluded_with_reason","P02-C015; P01 C050 and F01–F04","Dedicated future Irish consumer-protection pass; nothing resolved here."],["P02-K18","Client money, payment permission and safeguarding","excluded_with_reason","P02-C008, C015; P01 C035, C043","Only authorisation warning retained; operative payment/financial-safeguard analysis later."],["P02-K19","Complaints, enforcement specifics and private remedies","excluded_with_reason","P02-C011, C015; P01 C028–C029, C050","C029 scoped-extension recognition is not remedies review."],["P02-K20","Irish debt categories, collection, reporting, courts and limitation","excluded_with_reason","P02-C015; P01 F08–F14","No broader country analysis launched."],["P02-K21","Full DRN/DSA/PIA/bankruptcy eligibility/process","excluded_with_reason","P02-C003–C005, C015; P01 C049","Names/capacity only; forms, procedure, costs and outcomes deferred."],["P02-K22","Northern Ireland, other UK countries and non-Irish jurisdictions","excluded_with_reason","P02-C014–C015; P01 C044","Separately researched jurisdictions; no imported rules."],["P02-K23","Named person, firm, licence, contract or litigation","excluded_with_reason","Research method; P02-C015","Explicit read-only correction restriction; no such lookup undertaken."],["P02-K24","All-source independent recertification and parent acceptance","excluded_with_reason","Self-check below","Six-group self-check only. Coordinator review/acceptance is separate; A097/A098 held."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Test","Result"],["Exactly six narrative groups corrected?","Yes. Two levy crosslinks, two insolvency crosslinks, one servicing crosslink, one B2 matrix closing crosslink."],["Original P01 source-ID meanings preserved?","Yes. S034 remains Code review, S035 remains funding guide, S036 approved intermediary, S037 PIP, S038 servicing."],["Current relevant body independently checked?","Yes, except fresh funding-guide body access failed. PIA, s.28, Code regs.1/286/287/299, servicing and client-funds warning were reopened."],["Precise printed/PDF pages retained for levy?","Yes, from attributable P01 reading only: Table 6 printed p.14, PDF index 13."],["Two sums recomputed?","Yes: €1,292.50 and €1,817.50."],["Unread SI treated as read?","No. S.I. 348/2026 remains explicitly inaccessible/unresolved."],["S018 extension overwritten?","No. s.36K(1)–(3) remains the original express post-table extension, verified but not relabelled."],["Any extra Ireland/country finding or site mutation?","No. No other-country report, private lookup, file write, site work or external action."],["Independent review claimed?","No. This is the researcher's bounded correction and self-check."]]}],"claims":[{"researcher_record":{"P02 ID":"C_IE-P02-C001","Atomic correction/statement":"The 2026 DMF Category C formula paragraph belongs to P01 S035, not S034.","Authority and exact pinpoint":"P02-S006/P01 S035, §4.3 Table 6, printed p.14/PDF 13; P02-S005/P01 S034, Code history subject","Conditions, consequence and limit":"Source-identity correction; guide evidence P01 attributable reuse, not P02 fresh verified enactment. Preserves P01 C036–C037, C040."},"raw_table_index":3,"claim_id":"C_IE-P02-C001","coordinator_verification_status":"traceability_or_arithmetic_supported_operative_levy_held","coordinator_review":"Guide identity/mapping and stipulated decimal sums verified; no fresh guide body, statutory charging rule or invoice certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C002","Atomic correction/statement":"Levy evidence-limit paragraph must cite S035 guide and S040 unread operative SI; S034 is irrelevant.","Authority and exact pinpoint":"P02-S006 and P02-S013; P02-S005","Conditions, consequence and limit":"Maintain unresolved operative law. No new application, agency payment, filing or deadline conclusion. Preserves P01 C040."},"raw_table_index":3,"claim_id":"C_IE-P02-C002","coordinator_verification_status":"traceability_or_arithmetic_supported_operative_levy_held","coordinator_review":"Guide identity/mapping and stipulated decimal sums verified; no fresh guide body, statutory charging rule or invoice certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C003","Atomic correction/statement":"The four named Irish insolvency options appear in Regulation 286, located in P01 S033, not S032.","Authority and exact pinpoint":"P02-S004/P01 S033 reg.286; P02-S003/P01 S032 reg.1(2)","Conditions, consequence and limit":"Mechanism naming only. Chapter 12 scope reg.287; no eligibility or discharge conclusion. Preserves C032–C033, C049."},"raw_table_index":3,"claim_id":"C_IE-P02-C003","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C004","Atomic correction/statement":"The narrow statutory approved-intermediary authorisation is in PIA s.47, P01 S036.","Authority and exact pinpoint":"P02-S007/P01 S036 s.47(1), (5)–(6); P02-S001 s.28(1)(f)","Conditions, consequence and limit":"Applies to the authorised approved intermediary acting as such; not ordinary paid advice. Preserves P01 C014, C033."},"raw_table_index":3,"claim_id":"C_IE-P02-C004","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C005","Atomic correction/statement":"PIP personal authorisation and non-extension to other regulated financial advice are in PIA s.164, P01 S037.","Authority and exact pinpoint":"P02-S008/P01 S037 s.164(1), (3), (5)–(6); P02-S001 excepted (f)","Conditions, consequence and limit":"PIP status must be actual and capacity-specific; no blanket commercial-provider permission. Preserves C014, C033, C049."},"raw_table_index":3,"claim_id":"C_IE-P02-C005","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C006","Atomic correction/statement":"Credit-servicing process, separate 2023 gateway and described servicer passport are supported by P01 S038, not PIA s.164/S037.","Authority and exact pinpoint":"P02-S009/P01 S038, “Credit Servicing Firms” and “Credit Servicers”; P02-S001 s.28 credit-servicing definition","Conditions, consequence and limit":"Specific to relevant servicing activities. The page distinguishes purchaser from servicer under 2023 rules; full SI not read. Preserves C034, C044."},"raw_table_index":3,"claim_id":"C_IE-P02-C006","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C007","Atomic correction/statement":"B2's general debtor-side service, remuneration and statutory-exception branches rest on S005, not a funding guide.","Authority and exact pinpoint":"P02-S001/P01 S005 s.28(1), definitions and exceptions (c), (d), (f)","Conditions, consequence and limit":"Application still turns on actual activity, beneficiary, indirect remuneration and exception predicates. Preserves C003–C004, C011–C015, C043."},"raw_table_index":3,"claim_id":"C_IE-P02-C007","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C008","Atomic correction/statement":"A DMF permission alone is not permission to hold customer funds; the relevant Bank warning is S031.","Authority and exact pinpoint":"P02-S002/P01 S031, “Introduction,” client-funds paragraph","Conditions, consequence and limit":"Separate present-day payment-law analysis held; no reliance on webpage's superseded 2009 example. Preserves C035, C043."},"raw_table_index":3,"claim_id":"C_IE-P02-C008","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C009","Atomic correction/statement":"B2 statutory-capacity and servicing source range is properly S036–S038, with distinct authorities in each.","Authority and exact pinpoint":"P02-S007 s.47; S008 s.164; S009 credit-servicing sections","Conditions, consequence and limit":"S035 removed; P01 actor distinctions not substantively expanded. Preserves C014, C033–C035."},"raw_table_index":3,"claim_id":"C_IE-P02-C009","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C010","Atomic correction/statement":"The two illustrative levy sums remain €1,292.50 and €1,817.50 on stipulated inputs and conditions.","Authority and exact pinpoint":"P02-S006/P01 S035 §4.3 reported inputs; P02 arithmetic above","Conditions, consequence and limit":"Arithmetic-only check; no current legal levy, consumer charge or firm invoice certification. Preserves C036–C037, C040."},"raw_table_index":3,"claim_id":"C_IE-P02-C010","coordinator_verification_status":"traceability_or_arithmetic_supported_operative_levy_held","coordinator_review":"Guide identity/mapping and stipulated decimal sums verified; no fresh guide body, statutory charging rule or invoice certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C011","Atomic correction/statement":"P01's C029 expressly used a post-table pinpoint for s.36K, rather than silently placing s.36K within the s.36A URL for S018.","Authority and exact pinpoint":"P02-S011, 1997 Act s.36K(1)–(3), plus P01 scoped-extension note","Conditions, consequence and limit":"Scope attribution preserved; no new penalty, liability or remedy determination."},"raw_table_index":3,"claim_id":"C_IE-P02-C011","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Explicit P01 post-table S018/s36K extension preserved; selected body reused, no silent ID reassignment.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C012","Atomic correction/statement":"P01 S034 is valid only for Code review/commencement history in these groups, not for industry funding or insolvency-option names.","Authority and exact pinpoint":"P02-S005 Code review; P02-S003 reg.1(2); P02-S004 reg.286","Conditions, consequence and limit":"This is a subject/pinpoint correction, not an accusation that S034 itself was unreliable."},"raw_table_index":3,"claim_id":"C_IE-P02-C012","coordinator_verification_status":"targeted_traceability_correction_supported_with_limits","coordinator_review":"Changed mapping agrees with actual original register subject/pinpoint and supplied context; no broader country acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C013","Atomic correction/statement":"P02's inability to reopen S035 and continuing inability to read S.I. 348/2026 leave statutory levy verification unresolved.","Authority and exact pinpoint":"P02-S006 failed re-fetch; P02-S013 not-read; retained P01 read record","Conditions, consequence and limit":"No inferred amount from inaccessible instrument; guide remains qualified evidence."},"raw_table_index":3,"claim_id":"C_IE-P02-C013","coordinator_verification_status":"traceability_or_arithmetic_supported_operative_levy_held","coordinator_review":"Guide identity/mapping and stipulated decimal sums verified; no fresh guide body, statutory charging rule or invoice certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C014","Atomic correction/statement":"Source correction does not convert the Bank's general EEA passport warning into an Irish DMF passport.","Authority and exact pinpoint":"P02-S010/P01 S030; P02-S009 servicing-specific discussion","Conditions, consequence and limit":"Remote authorisation and all A098 recognition questions remain held."},"raw_table_index":3,"claim_id":"C_IE-P02-C014","coordinator_verification_status":"remaining_scope_and_evidence_holds_preserved","coordinator_review":"No generic DMF passport, private fact, consumer-fee/contract/payment/remedy or full-country finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"},{"researcher_record":{"P02 ID":"C_IE-P02-C015","Atomic correction/statement":"P02 makes no finding on consumer contracts/charges, safeguarding, disputes, civil remedies, statutory insolvency procedure or unrelated country law.","Authority and exact pinpoint":"User's bounded correction scope; P01 C050","Conditions, consequence and limit":"Explicit research boundary, not a purported rule of Irish law."},"raw_table_index":3,"claim_id":"C_IE-P02-C015","coordinator_verification_status":"remaining_scope_and_evidence_holds_preserved","coordinator_review":"No generic DMF passport, private fact, consumer-fee/contract/payment/remedy or full-country finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00"}],"sources":[{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S001; P01 S005","Issuer, title, full literal direct URL":"Law Reform Commission, Central Bank Act 1997, s.28 revised. https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html","Precise body/pinpoint; version, actual access and limit":"Fresh body read. s.28(1): “debt management firm”; “debt management services” (a)–(c); “remuneration”; excepted (c), (d), (f); separate “credit servicing” definition. Ireland; amended/consolidated Act, P01 revision cutoff 1 Aug 2026. PDF/printed pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S001","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/28/revised/en/html"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S002; P01 S031","Issuer, title, full literal direct URL":"Central Bank of Ireland, Debt Management Firms — Introduction. https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms","Precise body/pinpoint; version, actual access and limit":"Fresh body read. “Introduction to Debt Management Firms,” statutory definition and explicit distinction between DMF permission and authority to hold client funds. Regulator guidance. The page's legacy reference to 2009 payment regulations is not adopted as current payment-law authority. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S002","coordinator_verification_status":"fresh_selected_primary_body_checked","urls":["https://www.centralbank.ie/regulation/industry-market-sectors/debt-management-firms"],"coordinator_check_scope":"Current Bank introduction client-funds warning read; historical2009 example not certified current law.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S003; P01 S032","Issuer, title, full literal direct URL":"Central Bank of Ireland, online operative reproduction of Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025, Part 1. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general","Precise body/pinpoint; version, actual access and limit":"Fresh body read. Regulation 1(1)–(2); commencement 24 Mar 2026. It does not provide Regulation 286's insolvency names. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S003","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","urls":["https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/section-48-regulations/part-1-preliminary-and-general"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S004; P01 S033","Issuer, title, full literal direct URL":"Central Bank of Ireland, same 2025 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","Precise body/pinpoint; version, actual access and limit":"Fresh body read. Chapter 12, regs.286, 287, 299. Regulation 286 lists DRN/DSA/PIA/bankruptcy; 287 applies Chapter 12 to DMF services; 299 defines a narrow nonapplication of particular conduct requirements where negotiation-only conditions are met. Not a new authorisation exception. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S004","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","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"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S005; P01 S034","Issuer, title, full literal direct URL":"Central Bank of Ireland, Consumer Protection Code Review. https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review","Precise body/pinpoint; version, actual access and limit":"Fresh body read, but not relied upon for levy claims. Publication of Code 24 Mar 2025, commencement 24 Mar 2026, 2012 Code revocation effective 23 Mar 2026; page updated Aug 2026. Regulator history. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S005","coordinator_verification_status":"source_identity_and_scope_checked","urls":["https://www.centralbank.ie/regulation/consumer-protection/consumer-protection-code/consumer-protection-code-review"],"coordinator_check_scope":"Register identity checked; not all source body recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S006; P01 S035","Issuer, title, full literal direct URL":"Central Bank of Ireland, 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","Precise body/pinpoint; version, actual access and limit":"Precisely attributed P01 reuse; P02 fresh fetch failed. P01 records a successful August 2026, 29-page guide read: §2, printed pp.5,8 / PDF indices 4,7; §4.3 Table 6, printed p.14 / PDF index 13. P02 attempted this exact URL and the official variant using (002).pdf; both failed. It is a Bank guide, not S.I. 348/2026."},"raw_table_index":2,"source_id":"C_IE-P02-S006","coordinator_verification_status":"attributed_prior_read_and_new_failure_separate","urls":["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"],"coordinator_check_scope":"Exact P01 researcher guide read remains attributed; P02 researcher two failed requests and coordinator IE1 failed request retained. No further failed-fetch loop or operative-SI certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S007; P01 S036","Issuer, title, full literal direct URL":"Law Reform Commission, Personal Insolvency Act 2012, s.47 revised. https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html","Precise body/pinpoint; version, actual access and limit":"Fresh body read. s.47(1), (5)–(6): ISI approved-intermediary authorisation and regulatory powers. Additional section contents observed but fee/remedy analysis explicitly deferred. Ireland, amended statute. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S007","coordinator_verification_status":"fresh_selected_primary_body_checked","urls":["https://revisedacts.lawreform.ie/eli/2012/act/44/section/47/revised/en/html"],"coordinator_check_scope":"PIA47(1),(5)–(6) authorisation/capacity body read; consumer fee/remedy questions not extended.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S008; P01 S037","Issuer, title, full literal direct URL":"Law Reform Commission, Personal Insolvency Act 2012, s.164 revised. https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html","Precise body/pinpoint; version, actual access and limit":"Fresh body read. s.164(1), (3), (5)–(6): PIP authorisation, refusal conditions, personal nature and non-extension to other CBI financial advice. Ireland, amended statute; s.164(4) amendment annotated as 31 Jul 2013. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S008","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","urls":["https://revisedacts.lawreform.ie/eli/2012/act/44/section/164/revised/en/html"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S009; P01 S038","Issuer, title, full literal direct URL":"Central Bank of Ireland, Authorisation Process for Credit Servicing Firms and Credit Servicers. https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process","Precise body/pinpoint; version, actual access and limit":"Fresh body read. “Credit Servicing Firms” and “Credit Servicers”; separate 1997/2023 regimes; EU directive, 2023 commencement and service-specific passport explanation. Regulator interpretation/guidance, not the complete enacted 2023 SI. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S009","coordinator_verification_status":"fresh_selected_primary_body_checked","urls":["https://www.centralbank.ie/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers/authorisation-process"],"coordinator_check_scope":"Bank distinct PartV/2023 categories, relevant-servicer/purchaser qualification and service-specific passport paragraph read; entire implementing SI held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S010; P01 S030","Issuer, title, full literal direct URL":"Central Bank of Ireland, Unauthorised Firms. https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms","Precise body/pinpoint; version, actual access and limit":"Fresh body read, context only. Register and impostor-verification cautions, general sector-dependent EEA passport statement. Not authority for specific creditor servicing, PIP status, consumer-funds handling or levy arithmetic. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S010","coordinator_verification_status":"source_identity_and_scope_checked","urls":["https://www.centralbank.ie/regulation/how-we-regulate/authorisation/unauthorised-firms"],"coordinator_check_scope":"Register identity checked; not all source body recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S011; P01 post-table scoped extension to S018, not a reassignment of S018","Issuer, title, full literal direct URL":"Law Reform Commission, Central Bank Act 1997, s.36K revised. https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html","Precise body/pinpoint; version, actual access and limit":"Fresh body read. s.36K(1)–(3), corporate-officer offences and statutory knowledge/reasonable-prevention branches; editorial fine reclassification note. P01 expressly appended this pinpoint to its s.36A/S018 source scope. Unchanged C029, outside six correction groups. HTML, pages N/A."},"raw_table_index":2,"source_id":"C_IE-P02-S011","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","urls":["https://revisedacts.lawreform.ie/eli/1997/act/8/section/36K/revised/en/html"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S012; P01 S020","Issuer, title, full literal direct URL":"Central Bank of Ireland, 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","Precise body/pinpoint; version, actual access and limit":"P01 preserved/context only; no fresh P02 body-read claim. 18-page PDF: §1.3 printed p.3/PDF 2; solvency §2 and PII §3 printed p.6/PDF 5. Coordinator's stated selected-passage check is attributable coordinator activity, not an independent review. No new correction made to territorial or PII claims."},"raw_table_index":2,"source_id":"C_IE-P02-S012","coordinator_verification_status":"dated_same_coordinator_selected_body_reuse","urls":["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"],"coordinator_check_scope":"Precise P01 coordinator packets from this continuation reused at their actual bounds; researcher fresh-read account separate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S013; P01 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","Precise body/pinpoint; version, actual access and limit":"Failed/not read — inherited hold. Actual operative levy text was not opened in P01 or certified here; no printed/PDF pinpoint can honestly be assigned. S006 guide cannot replace statutory verification."},"raw_table_index":2,"source_id":"C_IE-P02-S013","coordinator_verification_status":"inherited_not_read_hold_preserved","urls":["https://www.irishstatutebook.ie/eli/2026/si/348/made/en/pdf"],"coordinator_check_scope":"No operative body accepted from inaccessible SI/Annex or discovery. Full statutory/FSPO/enterprise calculation held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S014; P01 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","Precise body/pinpoint; version, actual access and limit":"Discovery-only/failed in P01; not newly opened in P02. Separate levy scope/amount/trigger unresolved."},"raw_table_index":2,"source_id":"C_IE-P02-S014","coordinator_verification_status":"inherited_not_read_hold_preserved","urls":["https://www.irishstatutebook.ie/eli/2026/si/64/made/en/pdf"],"coordinator_check_scope":"No operative body accepted from inaccessible SI/Annex or discovery. Full statutory/FSPO/enterprise calculation held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false},{"researcher_record":{"New ID; P01 alias":"C_IE-P02-S015; P01 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","Precise body/pinpoint; version, actual access and limit":"Failed/blocked in P01; not reopened in P02. Operative microenterprise Annex details remain held; no conclusion from a fresh Annex reading is claimed."},"raw_table_index":2,"source_id":"C_IE-P02-S015","coordinator_verification_status":"inherited_not_read_hold_preserved","urls":["https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32003H0361"],"coordinator_check_scope":"No operative body accepted from inaccessible SI/Annex or discovery. Full statutory/FSPO/enterprise calculation held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T23:06:44.144610+00:00","independent_review":false}],"coverage":[{"researcher_record":{"Coverage ID":"P02-K01","Exact focused issue":"Formula-paragraph source identity","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 1; P02-C001; P01 C036–C037, C040","Gap and next focused action":"Corrected to S035. Source-law certification remains K09."},"raw_table_index":4,"topic":"P02-K01 Formula-paragraph source identity","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K02","Exact focused issue":"Formula evidence-limit source identity","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 2; P02-C002, C013; P01 C040","Gap and next focused action":"S035 guide versus unread S040 charging instrument clearly separated."},"raw_table_index":4,"topic":"P02-K02 Formula evidence-limit source identity","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K03","Exact focused issue":"Names of four Irish statutory insolvency options","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 3; P02-C003, C012; P01 C032–C033, C049","Gap and next focused action":"Regulation 286 mapped to S033. Full eligibility remains deferred."},"raw_table_index":4,"topic":"P02-K03 Names of four Irish statutory insolvency options","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K04","Exact focused issue":"Approved-intermediary and PIP statutory capacities","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 4; P02-C004–C005; P01 C014, C033, C049","Gap and next focused action":"S005 excepted (f), S036 s.47 and S037 s.164 accurately mapped. Actual individual's status not examined."},"raw_table_index":4,"topic":"P02-K04 Approved-intermediary and PIP statutory capacities","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K05","Exact focused issue":"Credit-servicing framework source identity","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 5; P02-C006, C014; P01 C034, C044","Gap and next focused action":"S038 verified. Full 2023 implementing SI remains outside P02."},"raw_table_index":4,"topic":"P02-K05 Credit-servicing framework source identity","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K06","Exact focused issue":"Adjacent-activity matrix closing crosslink","Status":"answered","Finding/replacement location; P02 and retained P01 claims":"Group 6; P02-C007–C009; P01 C003–C004, C011–C015, C034–C035, C043","Gap and next focused action":"S005/S031/S036/S037/S038 mapped by actor function. No matrix cells changed."},"raw_table_index":4,"topic":"P02-K06 Adjacent-activity matrix closing crosslink","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K07","Exact focused issue":"Industry arithmetic","Status":"answered, arithmetic only","Finding/replacement location; P02 and retained P01 claims":"Computation table; P02-C010; P01 C036–C037","Gap and next focused action":"Both totals independently recalculated on P01 assumptions; not legal amount determination."},"raw_table_index":4,"topic":"P02-K07 Industry arithmetic","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K08","Exact focused issue":"Fresh funding-guide retrieval","Status":"partial","Finding/replacement location; P02 and retained P01 claims":"P02-S006; P02-C001–C002, C013","Gap and next focused action":"P02 exact URL plus one official variant failed. P01 read record preserved. Next: official retrievable edition."},"raw_table_index":4,"topic":"P02-K08 Fresh funding-guide retrieval","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K09","Exact focused issue":"S.I. 348/2026 enacted calculation","Status":"unresolved","Finding/replacement location; P02 and retained P01 claims":"P02-S013; P02-C013","Gap and next focused action":"Full operative text must be read before law-level certification."},"raw_table_index":4,"topic":"P02-K09 S.I. 348/2026 enacted calculation","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K10","Exact focused issue":"Separate FSPO annual levy","Status":"unresolved","Finding/replacement location; P02 and retained P01 claims":"P02-S014; P01 C040","Gap and next focused action":"Read current operative S.I. 64/2026; no amount adopted."},"raw_table_index":4,"topic":"P02-K10 Separate FSPO annual levy","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K11","Exact focused issue":"P01 C029 s.36K post-table extension","Status":"answered for preservation","Finding/replacement location; P02 and retained P01 claims":"P02-S011; P02-C011","Gap and next focused action":"Original s.36A/S018 identifier unchanged; s.36K is expressly a scoped extension. No seventh substantive correction."},"raw_table_index":4,"topic":"P02-K11 P01 C029 s.36K post-table extension","coordinator_acceptance":"targeted_mapping_or_arithmetic_checked_with_limits","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K12","Exact focused issue":"P01 S020 DMF standards and territorial/insurance conditions","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-S012; P01 C018, C024–C025","Gap and next focused action":"Unaffected by six citation defects; no full rereview. Currentness/individual conditions held."},"raw_table_index":4,"topic":"P02-K12 P01 S020 DMF standards and territorial/insurance conditions","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K13","Exact focused issue":"Mortgage-forbearance Protocol and amendments","Status":"unresolved, retained","Finding/replacement location; P02 and retained P01 claims":"P01 C013","Gap and next focused action":"Retrieve full current Protocol and exact party/advice predicates in a later focused pass."},"raw_table_index":4,"topic":"P02-K13 Mortgage-forbearance Protocol and amendments","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K14","Exact focused issue":"Microenterprise original Recommendation Annex","Status":"unresolved, retained","Finding/replacement location; P02 and retained P01 claims":"P02-S015; P01 C005–C006","Gap and next focused action":"Read operative Annex and related enterprise tests."},"raw_table_index":4,"topic":"P02-K14 Microenterprise original Recommendation Annex","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K15","Exact focused issue":"Remote, EU, EEA, foreign-provider nexus","Status":"partial, retained","Finding/replacement location; P02 and retained P01 claims":"P02-C014; P01 C018–C019, C044","Gap and next focused action":"No automatic foreign permission recognition; jurisdictional analysis remains A098 work."},"raw_table_index":4,"topic":"P02-K15 Remote, EU, EEA, foreign-provider nexus","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K16","Exact focused issue":"Post-August 2026 amendment/currency sweep","Status":"unresolved, retained","Finding/replacement location; P02 and retained P01 claims":"P01 C001, C032, C040","Gap and next focused action":"Reopen later legislation and regulatory instruments before publication."},"raw_table_index":4,"topic":"P02-K16 Post-August 2026 amendment/currency sweep","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K17","Exact focused issue":"Consumer fees, contract terms, cancellation/refunds","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C015; P01 C050 and F01–F04","Gap and next focused action":"Dedicated future Irish consumer-protection pass; nothing resolved here."},"raw_table_index":4,"topic":"P02-K17 Consumer fees, contract terms, cancellation/refunds","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K18","Exact focused issue":"Client money, payment permission and safeguarding","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C008, C015; P01 C035, C043","Gap and next focused action":"Only authorisation warning retained; operative payment/financial-safeguard analysis later."},"raw_table_index":4,"topic":"P02-K18 Client money, payment permission and safeguarding","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K19","Exact focused issue":"Complaints, enforcement specifics and private remedies","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C011, C015; P01 C028–C029, C050","Gap and next focused action":"C029 scoped-extension recognition is not remedies review."},"raw_table_index":4,"topic":"P02-K19 Complaints, enforcement specifics and private remedies","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K20","Exact focused issue":"Irish debt categories, collection, reporting, courts and limitation","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C015; P01 F08–F14","Gap and next focused action":"No broader country analysis launched."},"raw_table_index":4,"topic":"P02-K20 Irish debt categories, collection, reporting, courts and limitation","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K21","Exact focused issue":"Full DRN/DSA/PIA/bankruptcy eligibility/process","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C003–C005, C015; P01 C049","Gap and next focused action":"Names/capacity only; forms, procedure, costs and outcomes deferred."},"raw_table_index":4,"topic":"P02-K21 Full DRN/DSA/PIA/bankruptcy eligibility/process","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K22","Exact focused issue":"Northern Ireland, other UK countries and non-Irish jurisdictions","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"P02-C014–C015; P01 C044","Gap and next focused action":"Separately researched jurisdictions; no imported rules."},"raw_table_index":4,"topic":"P02-K22 Northern Ireland, other UK countries and non-Irish jurisdictions","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K23","Exact focused issue":"Named person, firm, licence, contract or litigation","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"Research method; P02-C015","Gap and next focused action":"Explicit read-only correction restriction; no such lookup undertaken."},"raw_table_index":4,"topic":"P02-K23 Named person, firm, licence, contract or litigation","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."},{"researcher_record":{"Coverage ID":"P02-K24","Exact focused issue":"All-source independent recertification and parent acceptance","Status":"excluded_with_reason","Finding/replacement location; P02 and retained P01 claims":"Self-check below","Gap and next focused action":"Six-group self-check only. Coordinator review/acceptance is separate; A097/A098 held."},"raw_table_index":4,"topic":"P02-K24 All-source independent recertification and parent acceptance","coordinator_acceptance":"explicit_hold_or_deferred_scope_preserved","coordinator_review_file":"[internal evidence reference]","coordinator_review":"Six targeted groups reconciled; every remaining row retained at its explicit source/application/currentness boundary."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_IE-pass-02-20261026-2309","status":"six_targeted_crosslink_repairs_addressed_with_limits","at":"2026-10-26T23:15:30.895060+00:00"}]}