{"meta":{"key":"c_ni--pass-01","task":"C_NI","title":"CNI Northern Ireland","parent_title":"Northern Ireland consumer debt and resolution","edition":"pass-01","path":"/research/c_ni--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":26,"claims":50,"sources":36,"review_status":"scoped_coordinator_review_material_qualifications_UNSENT","review_complete":true,"sha256":"50c94fe774a99e3508182be0f74637fe2668d07b5fbc0e73f8ffb88d94a8b046","headings":["Independent provider-classification and authorisation gateway","A. Operative paid-service perimeter","B. Actor-role and exclusion matrix","C. Permission, registration and gateway safeguards","D. Territorial and activity-location boundary","E. Read-only official verification workflow","F. Northern Ireland's separate statutory-practitioner boundary","G. Eight bounded actor/activity scenarios","Publication and reuse rules arising from this pass","Complete visible primary-source register","UK-wide FSMA, regulated activities and FCA perimeter","Northern Ireland statutory solution, officeholder and verification sources","Atomic claim register","FCA perimeter and debtor/debt classification","Actors, payment, territorial and verification claims","NI practitioner and statutory-mechanism claims","Complete visible coverage inventory","A — Operative perimeter, debt/person scope and currency","B — Actors, exemptions, restricted professional capacity","C — Licence, application, competence and gateway financial safeguards","D — UK/NI and international nexus","E — Read-only official checking","F — Local statutory solution and professional boundary","G — Hypothetical tests and quantitative safeguards","H — Full independently enumerated deferred-work inventory","Currentness, uncertainty and integrity holds","Final self-check and acceptance disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_NI/pass-01","facets":{"geography":["international","c_ni"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Firstindependentproviderperimeter/authorisationonly; allremainingcountrytopicsdeferred","pending_corrections":4},"markdown":"# C_NI PASS-01 — Northern Ireland\n\n## Independent provider-classification and authorisation gateway\n\nNarrow investigation completed with identified evidence gaps Not accepted as a country dossier\n\nResearch baseline: 22 October 2026, America/Los_Angeles.\nActual primary-source access: 26 October 2026 — Pacific date, UTC date and Northern Ireland local date. Exact access times were not recorded.\nJurisdiction: Northern Ireland, using UK-wide law only where it applies to Northern Ireland.\n\nDecision: A commercial business that negotiates repayments or advises Northern Ireland borrowers about debts under credit agreements will ordinarily need to test the UK Financial Conduct Authority (FCA) regulated-activity and permission framework. But there is no single statutory licence covering all services marketed as “debt help.” Classification depends on what the business actually does, which debt and person are involved, whose side it represents, whether it acts by way of business, where the activity occurs, and whether a precisely defined exclusion or permitted capacity applies.\n\nSeparately, Northern Ireland has its own legal authority for individual voluntary arrangements (IVAs), debt relief orders (DROs), bankruptcy and insolvency practitioners. FCA authorisation alone does not make a firm an NI IVA nominee, DRO approved intermediary or bankruptcy officeholder. Nor does an NI insolvency-practitioner authorisation automatically permit an unrelated commercial debt-management business. [C001–C004, C031–C039] legislation.gov.uk+3\n\nThis pass does not determine whether a particular provider is lawful, whether a debt is enforceable, or whether a settlement would succeed.\n\n### A. Operative paid-service perimeter\n\nThe relevant UK framework is the Financial Services and Markets Act 2000 (FSMA), particularly sections 19 and 22, and the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (RAO). FCA Handbook PERG explains the regulator's interpretation; an R-marked Handbook rule binds within its stated application, whereas G-marked guidance does not create a new statutory activity. The consumer-credit transfer began operating substantively on 1 April 2014. [C001, C009] PERG 2 Authorisation and regulated activities+2\n\n| Actual service or feature | Operative test | Preliminary classification, including adverse branch | Claims |\n| --- | --- | --- | --- |\n| Negotiating lower balances or repayment terms for a borrower | RAO 39D(1): negotiating with lender on borrower’s behalf concerning discharge of a credit-agreement debt, taking over discharge obligations for payments, or analogous liquidation activity | Potential debt adjusting. An agreed lump-sum settlement is not necessarily outside the activity simply because no monthly debt-management plan exists. Check precise exclusions. | C002, C016 |\n| Similar negotiation for a hirer | RAO 39D(2); underlying consumer-hire agreement | Also potentially debt adjusting, although the product is hire rather than a loan. | C002 |\n| Advising a borrower to pay, compromise or otherwise liquidate a particular credit debt | RAO 39E(1) | Potential debt counselling even without negotiations, custody of funds, or a signed plan. A free first meeting does not, by itself, settle the “by way of business” inquiry. | C003, C009 |\n| Advising a hirer about a specific consumer-hire debt | RAO 39E(2) | Potential debt counselling, separately tested. | C003 |\n| General budgeting, factual explanations or an impersonal educational article | Advice about liquidation of a specified borrower’s covered debt? See FCA PERG 17 | May be outside 39E if genuinely general information. Personalized selection of a debt strategy can change the answer. “Educational software” is not itself an exemption. | C043 |\n| Collecting debts for creditors | RAO 39F and exclusions | Debt collecting is a distinct creditor-side activity; not synonymous with borrower-side 39D. Applicable debt type, creditor status, and exclusions matter. | C004, C016 |\n| Exercising or enforcing a lender’s/owner’s rights on its behalf | RAO 39G | Potential debt administration. Merely administering a borrower’s repayment budget is not automatically 39G. | C005 |\n| Referring someone to a consolidation loan or presenting a new credit product | RAO 36A, depending on the introduction, borrower, intended agreement, and exemptions | Potential credit broking. A referral solely to obtain existing-debt advice is not automatically credit broking. | C006 |\n| Helping correct credit-report information | RAO 89A credit-information services | A separate possible regulated activity; the exact acts and exceptions must be established. | C007 |\n| Agreeing to provide one of the regulated services later | RAO 64 where applicable | An agreement to perform a covered regulated activity can itself require analysis. | C008 |\n| Holding or forwarding debtor payments | RAO debt activities plus Payment Services Regulations 2017, if applicable | Payment-service authorisation is not automatic for an ordinary ancillary debt-management-plan distribution; an independently operated money-remittance business may cross another gateway. | C026–C027 |\n\nThe first four rows follow the distinct statutory verbs in RAO articles 39D–39G; they cannot be merged into one debt-negotiator licence category. [C002–C005] legislation.gov.uk+2\n\n#### Debtor, debt and agreement branches\n\n| Branch | Result at this gateway | Missing fact that could change it |\n| --- | --- | --- |\n| Individual borrowing personally | Normally the clearest potential credit-agreement borrower within articles 39D/39E. Not every individual debt is a credit-agreement debt. [C011–C012] | Original contract, creditor identity, debt source and advice actually delivered |\n| Sole trader | May be an “individual” borrower notwithstanding business purpose. A business-purpose exemption from lender regulation under article 60C is not automatically an exemption from 39D/39E, whose wording uses “credit agreement.” [C011–C013, C049] | Whether borrower is individual; loan amount, business purpose, date and nature of agreement |\n| Small partnership/unincorporated organisation | The statutory definition of relevant recipient of credit can include a partnership of two or three persons, and specified small unincorporated bodies; it does not mean every partnership. [C011] | Constitution, partners, borrower named, whether relevant statutory definition met |\n| Incorporated company owing its own trading debt | Company borrowing ordinarily does not satisfy the article 60B individual/relevant-recipient formulation. Do not infer an FCA 39D/39E licence is required for that corporate debt solely from this category. [C011–C012] | Is a human also borrower, guarantor or party to a separate credit agreement? Other regulated activity? |\n| Joint borrowers | Each person legally designated borrower may trigger the borrower-facing test. [C014] | Signed agreement and allocation of contractual obligations |\n| Guarantor or family member paying for someone else | Status as payer or guarantor does not automatically make that person the statutory borrower receiving 39E advice. Conversely, an adviser representing the actual borrower may be conducting 39D. [C014] | Guarantee, borrower identity, agency and advice recipient |\n| Personal secured loan | Security alone does not remove the debt from analysis. Mortgage/home-finance overlaps and RAO 39J require separate classification. [C015] | Land security, first/second charge, mortgage-regulated status and loan terms |\n| Hire purchase/consumer hire | Examine both credit and consumer-hire limbs; distinguish owner’s rights, hirer’s debt and any regulated hire exceptions. [C002–C005] | Hire agreement, owner, hirer and activity |\n| Credit agreement exempt from the lender’s Part 14A regime | RAO 60B(3) defines “credit agreement” separately from “regulated credit agreement”; 39D/E use the former. It is therefore unsafe to equate exempt agreement with unregulated debt advice. [C012–C013] | Specific exemption, 39H/39J/other exclusions, agreement date |\n| Rent arrears, rates, income tax, fines, utilities, support arrears or ordinary trade invoices | No automatic 39D/39E classification solely from these debt labels. Other UK/local legal gateways could still be relevant. [C012, C050] | Did any obligation actually arise under a covered credit/hire agreement, or is there another regulated transaction? |\n| Mixed debts | Classification is activity-by-activity and debt-by-debt. One credit-card debt may make a portion of a proposed paid service regulated even where accompanying tax/rent advice is not 39E. [C003, C012] | Schedule matching each obligation to its governing instrument |\n\nImportant distinction: In RAO article 60C(3), credit exceeding £25,000 and wholly or predominantly for the borrower's business may make that credit agreement exempt for the lending-activity chapter. The associated declaration creates a rebuttable presumption under article 60C(5)–(6), not an all-purpose debt-advice exemption. The credit agreement versus regulated credit agreement distinction must be maintained. [C013, C049] legislation.gov.uk\n\n### B. Actor-role and exclusion matrix\n\n| Actor or asserted status | Actual legal route or exclusion | What is not established | Claims |\n| --- | --- | --- | --- |\n| Paid private settlement negotiator | FCA Part 4A permissions for relevant RAO activities unless an actual exclusion/exemption applies | A Companies House or ordinary business registration is not permission. | C001–C003, C023 |\n| Paid DMP operator | Usually investigate debt adjusting and counselling, precise FCA permission and any DMP restriction; CONC 10 resources if within application | “Authorised” without corresponding specific activity and restrictions is not enough. | C023–C024 |\n| Charity/not-for-profit debt adviser | The Carrying on Regulated Activities by Way of Business Order 2001, art. 3E, expressly treats qualifying not-for-profit bodies undertaking specified non-occasional debt adjusting, counselling and credit-information services as operating by way of business. Constitution/public-purpose/no-distribution predicates matter. | “Free,” “charity” or “no debtor fee” is not a blanket FCA exemption. [C010, C017] | C010, C017 |\n| Infrequent nonprofit assistance | Article 3E(2) excludes activities carried on only occasionally from that deeming provision | This is not a declaration that every occasional case is free of all other statutory tests. | C010 |\n| NI district council acting itself | RAO 72G local-authority exclusion applicable to articles 39D–39G; RAO art. 3 defines local authority for NI as a district council | Neither every “government-funded” organisation nor every council affiliate is automatically within the precise statutory exclusion. | C018 |\n| Public advice department or agency that is not an NI district council | Identify the exact statutory personality, function and any specific exemption | “Public sector” does not itself equal RAO 72G. | C018 |\n| NI solicitor acting in litigation/advocacy | RAO 39K excludes relevant barristers and solicitors acting in specifically described advocacy/litigation capacities | General non-litigious commercial debt settlement is not universally excluded merely by a solicitor practising certificate. | C019 |\n| Solicitor/accountant firm providing incidental regulated services | FSMA Part XX, especially s.327, and designated-body rules under ss.326/332 may provide exempt professional firm status if all conditions hold: professional membership/control, complementary/incidental activity, approved body rules, treatment of outside reward, and any restrictions/directions. | A professional title alone is insufficient. Law Society NI's role as an FSMA designated professional body must not be confused with its former NI insolvency-practitioner recognising role. | C020, C034, C047 |\n| Creditor collecting or restructuring its own claim | Specific RAO 39H lender/owner/supplier exclusions for certain 39D–39G acts, alongside lender-rights rules under 60B and exceptions such as the 39H(1A) debt-collecting qualification | A third-party collector or independent debt purchaser cannot rely on a broad “creditor exemption” without testing the legal capacity. | C016 |\n| Debt buyer, servicing firm or collection agency | Examine rights acquired, whether acting for lender/owner, article 39F, 39G, 60B(2) and 39H conditions | Creditor-side activity does not prove borrower-side counselling permission. | C004–C005, C016 |\n| Pure information publisher or software vendor | No activity-based exemption merely because delivery is electronic. Examine functionality, influence on a particular debtor’s decision, operator and benefit. | “AI,” “self-service” or “referral website” is not an FCA-authorised class. | C006–C008, C043 |\n| Payment-only distributor | First distinguish ancillary distributions under a DMP from payment service independently carried on as a business under the 2017 Payment Services Regulations | Neither universal payment-service licensing nor universal exclusion can be inferred. | C026–C027 |\n| Statutory insolvency practitioner | RAO 72H excludes certain activities while acting as an insolvency practitioner; a narrower prospective-appointment exclusion covers 39D, 39E and 89A in reasonable contemplation of appointment. | The same practitioner's separate retail debt-negotiation venture cannot use a general lifelong exclusion. | C021, C047 |\n| Appointed representative (AR) | FSMA s.39 and FCA SUP 12 where an eligible activity is covered by a principal's agreement and corresponding permission, with principal responsibility | AR status for an unrelated permission does not cover debt adjusting. Verify scope and FCA listing. | C022 |\n\nThe not-for-profit and professional boundaries are especially consequential: the former may be positively treated as carrying on a business, while the latter is a conditional capacity exemption rather than immunity for a profession. [C010, C020] SI20130726rvsdRAONo2130725+2\n\n### C. Permission, registration and gateway safeguards\n\nWho must have what?\n\n1. Direct FCA authorisation: The legal entity undertaking an in-scope regulated activity ordinarily needs FCA Part 4A authorisation with that particular permission, absent a valid exemption. A permission to collect creditor debts or broker credit is not, on its face, permission to conduct every debtor-side debt-management service. [C001, C023]\n2. Full versus limited permission: These are meaningful FCA classifications with restricted activities. FEES 3 distinguishes a non-DMP/limited-description debt-adjusting or debt-counselling application from a broader debt-management application. The application-fee category is not itself a legal permission. [C023, C025]\n3. Appointed representative: Check the authorised principal, the AR contract/scope and the regulated activity the arrangement legally covers. It is not a stand-alone FCA authorisation for all services. [C022]\n4. Exempt professional firm: Verify the qualifying firm, designated professional body, relevant body rules and actual restricted capacity under FSMA Part XX. This is neither a Part 4A licence nor unrestricted authority. [C020]\n5. Statutory NI insolvency role: Verify individual insolvency-practitioner authorisation and case appointment, or DRO intermediary approval through a designated competent authority. The supervising government department is the NI Department for the Economy, including its Insolvency Service functions—not the FCA for the local statutory appointment. [C031–C037]\n6. Separately conducted remittance: If payment transmission is independently provided within the Payment Services Regulations 2017, investigate FCA-authorised payment institution, small-payment-institution registration or another actual statutory category. Merely handling DMP instalments ancillary to debt management ordinarily does not itself establish this activity in the FCA's stated view. [C026–C027] PERG 15.2 General\n\nGateway fitness and financial safeguards: FCA authorisation involves threshold conditions and responsible governance/competence assessment. For firms to which CONC 10 applies, ongoing solvency and specified prudential resources are actual binding R rules, not a guaranteed compensation account. It applies to debt management firms, and also a not-for-profit debt advice body holding or projecting at least £1 million client money at the stated rolling 12-month threshold; qualifying primarily professional firms have a specific exception. [C024, C041] handbook.fca.org.uk\n\n| Sourced gateway example | Computation or amount | Crucial limit |\n| --- | --- | --- |\n| 2026 FCA Part 4A application fee, FEES 3 Annex 1/1A | CC2 debt adjusting/counselling in the restricted category 3: £1,130; broader category 6: £11,260 (Annex 1A effective 2 July 2026) | Only if the applicant fits that category. No customer fee is stated or implied; multiple-activity and special-classification rules may alter an application. [C025] |\n| CONC 10 prudential resources, £2 million relevant debts under management | £2,000,000 × 0.25% = £5,000; compare £5,000 floor ⇒ £5,000 | Applies only to covered firms/debts; not £5,000 held for each customer. [C024] |\n| CONC 10 prudential resources, £10 million relevant debts under management | First £5m × 0.25% = £12,500; next £5m × 0.15% = £7,500; total £20,000 | If another regulated activity imposes higher prudential resources, use the higher requirement. [C024] |\n| NI insolvency practitioner bond, general penalty sum | 2025 amendment substitutes £750,000 for £250,000 | Transitional saving: qualifying bond issued and practitioner appointed before 1 January 2027 can remain under prior terms. Fraud/dishonesty bond cover—not a universal debtor refund or guarantee. [C040] |\n\nThe FCA fee schedule and CONC amounts are current Handbook values in the sources actually read. The NI bond is governed by its distinct 2025 statutory instrument, operative 9 December 2025, including its express 2027 saving. handbook.fca.org.uk+4\n\nHistoric transition: The 2013 consumer-credit transfer included interim permissions and a narrow grandfathering rule for certain not-for-profit group-licence bodies; it is not a general present-day entitlement inferred from a former Office of Fair Trading credit licence. [C009, C046] The 2011 NI DRO intermediary regulations also contain pre-2014 references to consumer-credit licences: those provisions cannot responsibly be translated into a definitive 2026 FCA licensing requirement without resolving amendment, supersession and interpretation. [C036; unresolved U03]\n\n### D. Territorial and activity-location boundary\n\nFor the relevant UK-wide FSMA framework, Northern Ireland is within the UK. FCA PERG 2.4 addresses whether activity is carried on in the UK, including circumstances where the provider is based elsewhere. A Northern Ireland debtor's address, a non-UK website domain or a firm's location, taken in isolation, is not a complete territorial legal test. [C028] handbook.fca.org.uk\n\n| Hypothetical nexus | Narrow decision |\n| --- | --- |\n| NI firm advising NI borrower by telephone | Test UK regulated activity and precise RAO permission/exclusion; medium is not a safe harbour. |\n| Firm elsewhere in the UK soliciting NI customers | UK-wide FCA perimeter may apply, but local NI statutory solution roles remain a separate legal test. |\n| Overseas firm with no NI premises selling paid, tailored advice into NI | Do not infer “outside FCA jurisdiction.” Assess where conduct occurs, UK connection, actual FSMA territorial construction and any specific exemption. RAO article 72 overseas-person exclusions are not a blanket exclusion from debtor-side 39D/39E. |\n| NI company advising debtors abroad | The NI establishment can supply a UK nexus; a foreign client's residence does not by itself cancel the UK test. Foreign local licensing is deferred to A098. |\n| Offshore marketing affiliate or call centre | Identify which legal person markets, advises, refers, negotiates, receives commission or money, and who is principal/agent. Treat each activity and jurisdictional connection independently. |\n\nNo conclusion about foreign recognition, creditor law, judgment enforceability, currency or overseas insolvency is adopted in this pass. [C028, C050]\n\n### E. Read-only official verification workflow\n\nThis is the hypothetical method a consumer would use. No actual person, provider, firm registration or insolvency case was queried.\n\n| Step | Document/fact to obtain hypothetically | Official comparison and decision |\n| --- | --- | --- |\n| 1. Establish entity | Exact legal name, legal form, any trading names, registered address and the party signing the engagement | Do not check a brand name alone against a regulator entry. |\n| 2. Classify conduct | Who gives advice, negotiates, proposes plan, receives commission, collects money, introduces credit or claims to be an officeholder | Map to RAO 39D/E/F/G, 36A, 89A, or payments/NI insolvency gateway as appropriate. [C002–C008] |\n| 3. Match debt and recipient | Agreements; named borrower/hirer; guarantor role; original purpose; secured status; debt-by-debt schedule | Confirm the legal subject matter before interpreting “permission.” [C011–C015] |\n| 4. Verify FCA category | [FCA Financial Services Register](https://register.fca.org.uk/s/?utm_source=chatgpt.com) and [FCA Firm Checker](https://www.fca.org.uk/consumers/fca-firm-checker?utm_source=chatgpt.com) | Inspect status, legal entity, permission wording, restrictions, effective periods and, for ARs, principal and covered capacity. Do not treat simple listing as unrestricted approval. [C030, C044] |\n| 5. Verify NI IVA/bankruptcy practitioner status | Individual's claimed RPB, licence scope and actual statutory appointment | Use the NI Department for the Economy's [insolvency practitioner directory](https://www.economy-ni.gov.uk/services/find-insolvency-practitioner?utm_source=chatgpt.com), understanding directory completeness/opt-in limitations, and the appropriate authorising body's status evidence. [C032–C035] |\n| 6. Verify NI DRO adviser capacity | Claimed approved intermediary, its competent authority, and current approval; not merely charity employment | Compare against the Department's [designated competent authorities list](https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme?utm_source=chatgpt.com); the authority's approval of the individual is the further question. [C036] |\n| 7. Verify cash-flow category | Whether consumer pays creditor directly, through the debt firm, through a third-party payment provider, or via standalone money remittance | Determine the actual payer/payee/service and if a separate payment-services permission/registration must be checked. [C026–C027] |\n| 8. Keep conclusion conditional | Capacity, permission, exclusions and relevant dates | A regulator listing proves neither creditor agreement to settle, contractual fairness, lawful customer fees, release of debt, nor settlement outcome. [C044] |\n\n### F. Northern Ireland's separate statutory-practitioner boundary\n\n| Mechanism/capacity | NI source and decision maker | Gateway distinction and currentness |\n| --- | --- | --- |\n| Private voluntary repayment/settlement negotiation | Ordinary debtor-creditor negotiation; FSMA/RAO only if covered activities are undertaken | No private “settlement proposal” becomes a statutory NI IVA simply by being called an arrangement. A firm may need FCA permission but not NI IVA nominee status merely to negotiate privately. [C048] |\n| Individual voluntary arrangement (IVA) | Insolvency (Northern Ireland) Order 1989, Part VIII, Chapter II; NI High Court and qualified nominee/supervisor according to relevant procedure | An appropriately authorised individual insolvency practitioner is the operative professional route. The older alternative authorised-nominee wording and Article 348A were repealed by the Insolvency (Amendment) Act (Northern Ireland) 2016, Schedule 3/4. Do not resurrect them from an older consolidation. [C031–C032] |\n| Debt relief order (DRO) | NI 1989 Order Part VIIA as introduced by the Debt Relief Act (Northern Ireland) 2010: Official Receiver determines order; Article 208U approved intermediary assists in applications under approval from a Department-designated competent authority | An organisation's designation does not by itself mean every staff member is individually approved. There is an express Article 208U restriction on intermediary charges connected with the application; the wider consumer fee dossier is deferred. [C036–C037] |\n| Bankruptcy | NI 1989 Order bankruptcy provisions; NI High Court, Official Receiver and appropriately qualified statutory officeholder capacities | No ordinary private debt counsellor becomes a trustee/Official Receiver. Full court petition and trustee powers are deferred. [C038] |\n| Fast-track voluntary arrangements | NI 2026 Act s.93, commenced by S.R. 2026 No.180, art.2(2)(n) | Repealed for new cases from 16 October 2026, but s.93(6) expressly preserves cases in which the debtor supplied the specified documents to the Official Receiver before commencement. An older government or statutory index may still display the former route. [C039] |\n| Recognised professional body (RPB) authorising an NI insolvency practitioner | NI 1989 Order articles 349/349A/350, as substantially amended in 2016; Department for the Economy recognises/oversees bodies; authorised individual, potentially full or individual-only/companies-only partial authorisation | Check current body recognition and the specific individual's authorisation and case capacity. A generic accountant/solicitor title or RPB trade membership does not suffice. [C032–C035] |\n\nTwo corrections are essential:\n\n- Law Society of Northern Ireland: its NI insolvency-practitioner RPB recognition was revoked 5 November 2025 by S.R. 2025 No.170. This says nothing by itself about the separately designated FSMA Part XX professional body function. [C020, C034] legislation.gov.uk+1\n- Chartered Accountants Ireland: the NI Department says its NI insolvency-practitioner RPB recognition ceased 19 February 2025. Current recognition cannot be inferred from a historical list bearing its name. [C035] Department for the Economy\n\nCurrency hold: The full up-to-the-minute consolidated 1989 Order returned unsupported XHTML/timeouts through the public reader. The operative 2010, 2016, 2025 and October 2026 amending enactments were read directly, but the entire consolidated NI officeholder/recognising-body schedule has not been independently certified. This prevents a categorical assertion that every entry on an older directory is current. The source and coverage registers below preserve that exact limitation.\n\n### G. Eight bounded actor/activity scenarios\n\nThese are constructed hypotheticals, not real consumer, provider, creditor or case determinations. None assumes an agreement, licence, approval or debt result not specified.\n\n| Scenario and known facts | Actual test / provisional result | Missing facts and adverse branch | Decision maker, documents, next read-only check |\n| --- | --- | --- | --- |\n| G1. Paid card settlement. An NI company charges customers to telephone credit-card lenders and seek reduced settlements for the cardholders. | Strong potential 39D debt adjusting; any borrower-specific repayment recommendations add 39E. [C002–C003] | Legal borrower, nature of each card debt, full service and any exclusion. “One-off settlement” does not alone defeat 39D. | FCA gateway. Engagement terms, service scripts, agreements, company identity; compare FCA status, 39D/39E permissions and restrictions. |\n| G2. Free charity debt clinic. An NI charity regularly advises individuals about their named card and hire debts without billing those individuals. | Articles 39D/E if acts occur; business-order art.3E may deem non-occasional covered charity activity by way of business. [C003, C010] | Charity constitution, legal entity, how regularly it advises, actual regulatory route. No customer fee is not exemption. | FCA or valid exemption route. Constitution, funding/benefit, case workflow, exact authorisation/exempt-capacity evidence; check FCA record or governing exemption. |\n| G3. Solicitor-led negotiations. A practising NI solicitor proposes a non-litigious telephone debt-settlement service as a stand-alone paid offering. | RAO 39K advocacy/litigation exclusion cannot automatically be applied. Test FSMA s.327 professional-firm conditions or appropriate FCA permission. [C019–C020] | Are services genuinely litigation/advocacy or incidental to supervised professional work? Separate remuneration, advertising, body rules, entity structure. | Law Society NI designated professional-body capacity and/or FCA. Practising status, firm structure, activity descriptions, remuneration agreement; compare actual exempt-professional conditions. |\n| G4. Insolvency practitioner also sells private DMPs. An NI-authorised individual acts as IVA supervisor in one matter but separately markets monthly repayment negotiation to unrelated people. | RAO 72H applies to acts in IP capacity, not automatically to the separate DMP business. [C021, C047] | Which entity contracts, appointments, case files and acts are in which capacity? | NI authorising RPB for statutory office; FCA for separate regulated service. Licence/appointment documents and separate DMP engagements; check both gateways distinctly. |\n| G5. “DRO approved” staff member. A debt charity appears on an NI competent-authority list, and an employee offers to file a DRO. | Article 208U requires a specifically approved individual through a designated competent authority. [C036] | Whether employee is approved, whether approval remains effective, capacity and restrictions. Organisation listing alone insufficient. | NI designated competent authority / Official Receiver. Organisation designation and individual's approval evidence; use published authority list without making any actual-person query. |\n| G6. Outside-UK app selling NI debt recommendations. A foreign website accepts an NI customer's debt figures, suggests settlements and takes a referral payment. | FCA PERG 17 helps distinguish factual information from debt counselling; FSMA UK territorial nexus remains fact-sensitive. [C006, C028, C043] | Provider establishment, recipient, where personalised advice occurs, affiliate roles, fee/benefit, debt source. “Foreign site” alone not exclusion. | FCA perimeter plus deferred foreign-law analysis. Product demonstration, terms, referral agreements, operator chart and data flow; match each act to permissions. |\n| G7. Debt buyer enforces acquired loans. A company buys outstanding borrower receivables and pursues payments for itself, without taking customer debt-advice mandates. | Examine 39H, 39F/G, 60B(2) and acquired lender rights; not automatically 39D. [C004–C005, C016] | Legal assignment, ownership vs servicing, covered agreement, whether collector acts for itself/another. | FCA. Assignment and servicing contracts, product samples, collector's activities; compare permission for exercising lender rights/collecting/administration. |\n| G8. Payment distributor. A processor receives customers’ instalments and sends them to creditors; it does not advise or negotiate. | Determine whether it independently provides regulated money remittance under the 2017 Regulations or merely performs ancillary DMP distributions under FCA PERG 15.2 Q9. [C026–C027] | Who holds funds, for whose account, source of instructions, business model, contractual status and any separate payment service. | FCA payments gateway where triggered. Flow-of-funds schematic, user contract and processing arrangement; check appropriate payment-institution/agent category rather than assuming a debt-adjusting licence. |\n\n#### Enforcement consequence, bounded\n\nFSMA s.19 prohibits carrying on a regulated activity in the UK unless authorised or exempt; s.20 addresses authorised firms outside their permission; s.23 sets criminal consequences with its own elements and applicable defences. FCA PERG describes the prohibition and penalties. Neither suspicion of an unauthorised provider nor even an authorisation offence automatically establishes that the original creditor debt, agreement or judgment is cancelled or that a consumer receives a private monetary award. The separate FSMA agreement-enforceability provisions, remedies, procedures and defences are later work. [C001, C029] legislation.gov.uk+1\n\n### Publication and reuse rules arising from this pass\n\nA useful consumer-facing NI gateway question should ask:\n\n“Are you being offered help negotiating an existing debt, general information, a repayment plan, creditor collection, an insolvency arrangement, or a DRO application—and who is legally providing each service?”\n\nA subsequent question should ask for debt type and actual borrower/guarantor status before showing any suggested FCA permission or NI practitioner class. Where a provider invokes charity, solicitor, accountant, official receiver, insolvency practitioner or appointed-representative status, the explanation must disclose the restricted capacity being claimed.\n\nHold before publication: Do not publish a definitive “all debt companies in NI must be FCA licensed,” “charities are unregulated,” “all insolvency practitioners can negotiate any debt,” “the Law Society of NI still licenses NI insolvency practitioners,” or “fast-track IVA applications remain open” statement. All are contradicted or materially qualified by the primary evidence. [C010, C020–C021, C034, C039]\n\n## Complete visible primary-source register\n\nConventions:\n\n- Each `S` identifier is unique within this pass. All records below were accessed or attempted 26 October 2026.\n- B means the identified substantive body or PDF text was actually returned and read; I means source/index or discovery only; F means the specified fetch failed. Index text is not treated as a statutory body read.\n- For PDF sources, P0, P1, … are zero-based PDF indices, distinct from printed document page numbers. If no reliable printed pagination exists, that is stated.\n- A legislation.gov.uk point-in-time URL records the date selected in the URL, not a certification of all subsequent amendments. A current FCA Handbook interface and its rule dates are noted independently.\n- All source URLs are given literally and directly. The linked document is the issuer's public source, not another country's research report.\n\n### UK-wide FSMA, regulated activities and FCA perimeter\n\n| ID / status | Issuer, direct official URL and exact portion read | Version/effect; actor, debt and jurisdiction limits |\n| --- | --- | --- |\n| S001 B | UK Parliament, Financial Services and Markets Act 2000, original enacted PDF; ss.19–23, 26–29, 39–40, 326–327 and 332. PDF P27–P32, corresponding original printed pp.8–13 for main prohibitions/remedies; P36–P37, printed pp.17–18 for representative/application route. `https://www.legislation.gov.uk/ukpga/2000/8/pdfs/ukpga_20000008_en.pdf` | As enacted 2000 only, not a reliable modern consolidation. UK including NI, persons conducting regulated activities. Used with current FCA guidance/amending law; original statutory wording is not asserted unchanged in all respects. legislation.gov.uk |\n| S002 B | FCA, PERG 2—Authorisation and regulated activities, especially 2.2 prohibition/permission and 2.4, 2.8–2.11 scope/exemption context. `https://handbook.fca.org.uk/handbook/perg2?timeline=true` | Current FCA Handbook display accessed 26 Oct 2026; relevant interface shows changes through 16 Sept 2026. Guidance (G), UK regulated activities and NI nexus, not a statutory substitute. PERG 2 Authorisation and regulated activities |\n| S003 B | UK Treasury, Regulated Activities Order 2001, Part II arts.4, 36A, 39D–39L, 60-series references, 64, 72, 72G, 72H, 89A references, detailed exceptions/annotations. `https://www.legislation.gov.uk/uksi/2001/544/part/II/2025-07-15/data.html` | Official 15 July 2025 point-in-time consolidated body. UK except express geographic limits; credit agreements/hire and regulated services. July–Oct 2026 Part II whole-part consolidation was unavailable, so amendment completeness after that date is held. legislation.gov.uk |\n| S004 B | UK Treasury, same RAO, article 3 interpretation, including NI local authority and insolvency-practitioner cross-references. `https://www.legislation.gov.uk/uksi/2001/544/article/3/2026-02-25/data.html` | 25 Feb 2026 point-in-time body, UK/NI definition branch; does not certify all changes after selected date. legislation.gov.uk |\n| S005 B | UK Treasury, same RAO Part II Ch.14A, arts.60B and 60C(1)–(8), credit/regulated credit and business-purpose exemptions. `https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html` | 15 July 2026 point-in-time body, individual/relevant recipient of credit; distinguishes borrower and lender permissions from debt-counselling activities. legislation.gov.uk |\n| S006 B | UK Treasury, S.I.2013/1881, Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013: art.1(2)–(6), arts.3–5, art.13 inserting business-order art.3E, art.60 grandfathering. PDF P0–P3 printed pp.1–4; P31–P32 printed pp.32–33; P68 printed p.69. `https://www.legislation.gov.uk/uksi/2013/1881/pdfs/uksi_20131881_en.pdf` | As-made enactment, central operative date 1 April 2014 subject to preparatory/transitional commencement. Historical group-licence provisions not general 2026 permission. UK including NI. SI20130726rvsdRAONo2130725 |\n| S007 B | FCA, PERG 2.3.1–2.3.3 “The business element”; nonprofit art.3E, occasional business and case factors. `https://handbook.fca.org.uk/handbook/perg2/perg2s3` | FCA G, current displayed version last updated 16 Sept 2026, future version indicated for 2027 (not yet operative). UK covered actors. PERG 2.3 The business element |\n| S008 B | FCA, PERG 17.2 basic debt-counselling elements, borrower, particular credit debt and advice. `https://handbook.fca.org.uk/handbook/perg17/perg17s2` | FCA G, current interface viewed; UK including NI, particular credit/hire debt advice. handbook.fca.org.uk |\n| S009 B | FCA, PERG 17 consolidated consumer-credit debt-counselling questions and examples, general information versus borrower-specific assessment. `https://handbook.fca.org.uk/handbook/perg17` | FCA G, 26 Oct 2026 access; UK covered debt advice. Guidance examples cannot settle unspecified software behaviour. PERG 17 Consumer credit debt counselling |\n| S010 B | FCA, PERG 2.4, link between regulated activities and the UK. `https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true` | FCA G, displayed current at access; UK territorial operation, overseas and NI services. No foreign-state licensing certification. handbook.fca.org.uk |\n| S011 B | FCA, SUP 12, appointed representatives: responsibilities, contractual scope, oversight and relevant registration. `https://handbook.fca.org.uk/handbook/sup12` | Current FCA Handbook section as accessed; R/G depending provision. AR/principal route for activities lawfully eligible; UK including NI. SUP 12 Appointed representatives |\n| S012 B | FCA, PROF 2.1.1–2.1.14, FSMA ss.326–329, 332 professional-firm gateway and restrictions. `https://handbook.fca.org.uk/handbook/prof2/prof2s1` | FCA G; display last updated 23 Oct 2025 (subrules have own dates). UK designated professional bodies and regulated incidental services. handbook.fca.org.uk |\n| S013 B | FCA, PROF 2 Annex 1.1, designated bodies including Law Society of Northern Ireland and accountancy bodies. `https://handbook.fca.org.uk/handbook/prof2/prof2s2?timeline=true` | FCA G annex updated 6 July 2006; historic designation list—current applicability also conditional upon statutory/body rule changes. Not the NI insolvency RPB roster. handbook.fca.org.uk |\n| S014 B | FCA, FEES 3 Annex 1, Part 2 activity groups CC1/CC2; Annex 1A pricing categories; FEES 3.2. `https://handbook.fca.org.uk/handbook/fees3` | Binding R fee provisions; Annex 1A last updated 2 July 2026: category 3 £1,130, category 6 £11,260. Application fees only, subject to category/other rules; UK including NI. handbook.fca.org.uk+1 |\n| S015 B | FCA, CONC 10.1.1–10.1.6, 10.2.1–10.2.14, prudential-resource application, £1m nonprofit test, formula, £5k minimum, professional exception. `https://handbook.fca.org.uk/handbook/conc10` | Binding R versus marked G. Chapter shows last update 1 July 2014; current interface accessed 26 Oct 2026. Applicable UK debt-management firms including NI; not every debt adviser. handbook.fca.org.uk+1 |\n| S016 B | UK Treasury, Payment Services Regulations 2017, regs.2, 4–5; Sch.1 Part 1 para.1(f), Part 2; Sch.3. PDF, P11–P14 printed approximately pp.12–15; P93–P96 printed pp.94–97 for capital/own funds. `https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf` | As-made 2017, later changes not comprehensively consolidated here. Payment institutions, stand-alone remittance and exclusions; UK including NI. Not an automatic classification for DMP transfers. legislation.gov.uk |\n| S017 B | FCA, PERG 15.2 Q9, Q11–Q11B, payment activity as a business in its own right, ordinary ancillary DMP examples and dual FSMA/payment capacities. `https://handbook.fca.org.uk/handbook/perg15/perg15s2` | FCA G current accessed page; UK payment-service providers, including NI; fact-sensitive exception, not unconditional authorisation. PERG 15.2 General |\n| S018 B | FCA, Apply to become an electronic money or payment institution, application/registration gateway. `https://www.fca.org.uk/firms/apply-emoney-payment-institution` | FCA official page current accessed 26 Oct; webpage last-updated marker 20 Aug 2026. Payment providers, not every debt firm; procedural costs/details outside narrow pass. FCA |\n| S019 B | FCA, Safeguarding requirements for EMIs and payment institutions, scope of payment-institution safeguards. `https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements` | FCA official page current at access; includes 2026 material, but no full client-money/safeguarding audit undertaken. UK including NI when payment gateway actually applies. FCA |\n\n### Northern Ireland statutory solution, officeholder and verification sources\n\n| ID / status | Issuer, direct official URL and exact portion | Version/effect; actor, debt and jurisdiction limits |\n| --- | --- | --- |\n| S020 F/I | UK legislation publisher, Insolvency (Northern Ireland) Order 1989, S.I.1989/2405 (N.I.19), attempted full contemporary revision and narrower arts. 3, 208U, 227–236, 348–350. `https://www.legislation.gov.uk/nisi/1989/2405/2026-06-25/data.html` | 26 Oct 2026 full-body fetch failed (timeout); separate article pages produced unsupported XHTML. Search-index extracts of 349 and 208U were viewed but not treated as body-read. Historical and subsequently amended text separately supported by S021–S032. This is an explicit current-consolidation gap. Internal Error+2 |\n| S021 B | NI Assembly, Insolvency (Amendment) Act (Northern Ireland) 2016, ss.14–17; Schedule 2 transition paras.11–16; Schedule 3 paras.4–15; Schedule 4 repeal of arts.348A/351–354. PDF P13–P17, printed pp.10–14; P40–P44, printed pp.37–41. `https://www.legislation.gov.uk/nia/2016/2/pdfs/nia_20160002_en.pdf` | Enacted 29 Jan 2016; substantive provisions commenced separately, notably 2016 officeholder reform and repeal. NI only; authoritative amended statutory wording, not proof that every provision was effective at Royal Assent. legislation.gov.uk+1 |\n| S022 B | NI Assembly, Debt Relief Act (Northern Ireland) 2010, s.1 introducing 1989 Order Part VIIA; arts.208A–208E and 208U, especially intermediary and competent authority. PDF P1–P4 printed pp.1–4; P15–P17 printed pp.15–17. `https://www.legislation.gov.uk/nia/2010/16/pdfs/nia_20100016_en.pdf` | As enacted 2010; commenced by separate instruments, not assumed immediately effective. NI DROs only. Later threshold/qualification amendments not audited in this narrow gateway. Front Cover of Act.doc+1 |\n| S023 B | NI Department, Debt Relief Orders (Designation of Competent Authorities) Regulations (Northern Ireland) 2011, regs.2–10: designation, fit/proper body, restricted designation, individual intermediary approval, training/insurance/documents. PDF P0–P5, printed pp.1–6. `https://www.legislation.gov.uk/nisr/2011/15/pdfs/nisr_20110015_en.pdf?wrap=true` | As-made 2011. References to historic consumer-credit licensing require 2014/current-law reconciliation. NI DRO competent authorities and individual intermediaries. N4713_floating.doc+1 |\n| S024 B | NI Department for the Economy, Debt Relief Orders, discussion of Official Receiver, approved advisers and agency role, especially page sections “What is a debt relief order?” and “More information.” `https://www.economy-ni.gov.uk/topics/debt-relief-orders` | Live NI agency page accessed 26 Oct 2026; may include newer product eligibility thresholds not adopted in P01. NI public guidance, not a substitute for individual approval. Department for the Economy |\n| S025 B | NI Department for the Economy, List of competent authorities in relation to the debt relief scheme, publication metadata and designated-organisation document link. `https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme` | Published 26 May 2015, last updated 22 Apr 2024. Page body-read, linked Word attachment not body-read. Thus names/completeness of the current list are not certified. Department for the Economy |\n| S026 B | NI Department for the Economy, S.R.2025 No.170, Insolvency Practitioners (Recognised Professional Bodies) (Revocation of Recognition) (No.2) Order (NI), arts.1–2. PDF P0–P1, printed pp.1–2; explanatory P2, printed p.3. `https://www.legislation.gov.uk/nisr/2025/170/pdfs/nisr_20250170_en.pdf` | Effective 5 Nov 2025; removes Law Society of NI from NI insolvency RPB schedule. Not an FSMA s.326 designation repeal. legislation.gov.uk |\n| S027 B | NI Department for the Economy, Insolvency Service notice—revocation of recognition of the Institute of Chartered Accountants in Ireland as an RPB, paragraphs about art.350N and effective date. `https://www.economy-ni.gov.uk/articles/insolvency-service-notice-revocation-recognition-institute-chartered-accountants-ireland-recognised-professional-body-economy-0` | NI Department notice: 19 Feb 2025 effective; describes move of authorisations. The corresponding S.R.2025 No.19 was not separately body-read, a narrower evidentiary limit. Department for the Economy |\n| S028 B | NI Department for the Economy, Insolvency Service notice—Law Society NI RPB recognition revocation, art.350N notice/reasons. `https://www.economy-ni.gov.uk/publications/insolvency-service-notice-revocation-recognition-law-society-northern-ireland-recognised-professional-body` | Dated 5 Nov 2025; confirms practitioner transition, distinct from FCA designated-professional status. NI specific. Department for the Economy |\n| S029 B | NI Department, Insolvency Practitioners Regulations (Northern Ireland) 2006, especially regs.2, 6–10, 12 and Sch.2 paras.1–3. PDF P2–P5, printed pp.3–6; bond P11–P13, printed pp.12–14. `https://www.legislation.gov.uk/nisr/2006/33/pdfs/nisr_20060033_en.pdf` | As-made 2006, professional fitness/training and original £250k general-bond term; substantially amended after 2006, including S030. Historic officeholder qualification references cannot supersede 2016 reforms. N2491_floating.doc+1 |\n| S030 B | NI Department for the Economy, S.R.2025 No.177, Insolvency Practitioners (Amendment and Transitional Provisions) Regulations (NI) 2025, regs.1, 3–6, Sch.2 substituted bond terms. PDF P0–P3, printed pp.1–4. `https://www.legislation.gov.uk/nisr/2025/177/pdfs/nisr_20250177_en.pdf` | Operative 9 Dec 2025 with pre-1 Jan 2027 bond/appointment saving. NI IP fraud/dishonesty security, £750k prospective general penalty sum, not consumer-money guarantee. legislation.gov.uk+1 |\n| S031 B | NI Assembly, Insolvency (Amendment) Act (NI) 2026, Part 8, s.93(1)–(6) repeal of fast-track voluntary arrangements and existing-case saving. `https://www.legislation.gov.uk/nia/2026/6/part/8/data.html` | Royal Assent 24 June 2026 is distinct from substantive commencement. NI s.93 commenced 16 Oct 2026 by S032. No PDF pagination for this HTML section. legislation.gov.uk |\n| S032 B | NI Department for the Economy, S.R.2026 No.180, Insolvency (Amendment) (2026 Act) (Commencement No.1 and Transitional Provisions) Order (NI) 2026, arts.2(1)–(2)(n),(s), 3–5. `https://www.legislation.gov.uk/nisr/2026/180/made/data.html` | Made 15 Oct, relevant provisions in force 16 Oct 2026; other provisions expressly future or commenced for preparatory/delegated purposes only. NI, no PDF pages for HTML. legislation.gov.uk |\n| S033 B | FCA, FCA Firm Checker, guidance for confirming permitted financial service identity. `https://www.fca.org.uk/consumers/fca-firm-checker` | Public official guidance accessible 26 Oct 2026; consumer read-only lookup workflow described, not performed. UK including NI. FCA |\n| S034 B | FCA, Financial Services Register, listing types and status/permissions information. `https://www.fca.org.uk/firms/financial-services-register` | Official register guidance accessed 26 Oct 2026. No person/firm record was queried. Registration and authorisation classes are not interchangeable. FCA |\n| S035 B | NI Department for the Economy, Find an insolvency practitioner, official directory search description. `https://www.economy-ni.gov.uk/services/find-insolvency-practitioner` | Live webpage accessed 26 Oct 2026; no search undertaken. Directory results may not by themselves establish officeholding in a particular case. Department for the Economy |\n| S036 B | NI Department for the Economy, Statement of Insolvency Practice 3.1—Individual Voluntary Arrangements, introductory official description of IP as adviser/nominee/supervisor. `https://www.economy-ni.gov.uk/publications/sip-31-individual-voluntary-arrangements` | Page published 1 July 2014; page body read, linked SIP PDF not read. This supports the NI IVA role distinction only; not a full 2026 procedures/conduct statement. Department for the Economy |\n\nRegister completeness: 36 source records, of which 35 contain directly read source bodies or substantive official webpage text and S020 is explicitly failed/index-only. This is an evidence-access count, not a certification of complete NI legal coverage. S025 and S036 are page-body reads only, not reads of their linked attachments. The 2000, 2006, 2010, 2011, 2013 and 2017 enacted PDFs must be interpreted with their amendments and effective dates; no as-made PDF is presented as an unamended 2026 consolidation.\n\n## Atomic claim register\n\nA claim identifier records a particular assertion, not an overall conclusion about an entire country. Confidence refers to whether the cited primary material supports the stated narrow proposition as of the research date:\n\n- H: Operative text/current official regulatory explanation directly supports the proposition, subject to its stated predicates.\n- M: Supported by an actual body read, but a point-in-time consolidation, amendments or case-specific facts constrain reuse.\n- L/held: A material currentness or source-access gap prevents a definitive conclusion.\n\n### FCA perimeter and debtor/debt classification\n\n| Claim | Exact assertion; required predicate or exception; consequence | Direct source and pinpoint | Confidence / limit |\n| --- | --- | --- | --- |\n| C001 | A person carrying on a regulated activity in the UK needs appropriate authorised or exempt status under FSMA s.19, where the statutory elements apply. | S001 s.19, S002 PERG 2.2, S003 art.4 | H; exemptions/territory remain case-specific. |\n| C002 | Negotiating discharge of a credit-agreement borrower's debt for that borrower, assuming business conduct and no exclusion, falls within RAO 39D(1); the specified consumer-hire equivalent falls under 39D(2). | S003 art.39D(1)(a)–(c),(2)(a)–(c) | H for activity words; 2026 whole-chapter cutoff M. |\n| C003 | Advice about liquidation of a debt to a borrower under a credit agreement, or hirer under consumer-hire agreement, is specified in 39E(1)/(2); fact-specific advice must be distinguished from information. | S003 art.39E(1)–(2); S008 PERG17.2 | H/M. |\n| C004 | Obtaining payment of certain covered obligations for a creditor, rather than counselling the debtor, invokes 39F, subject to express limitations/exclusions. | S003 art.39F(1)–(3), 39H, 39L | H/M; particular debt/actor required. |\n| C005 | Performing duties or exercising/enforcing lender/owner rights for that lender/owner invokes 39G, not merely managing the debtor's personal budget. | S003 art.39G(1)–(3) | H/M. |\n| C006 | Introductions, offers or preparatory work directed to entry into qualifying credit/hire agreements may be 36A credit broking; existing-debt referrals alone are not automatically 36A. | S003 arts.36A(1)–(4), 36B–36F | H/M; fee/exclusion distinctions preserved. |\n| C007 | Performing an act defined as providing credit-information services is a separate potential regulated activity under 89A; “credit repair” marketing alone is not a sufficient legal classification. | S003 arts.39L/72H references, 89A | M; full fact-specific 89A exclusions not closed. |\n| C008 | An agreement to carry out a specified regulated activity can itself fall within RAO 64 where its conditions apply. | S003 art.64 and adjacent exclusions | M; requires exact promised activity. |\n| C009 | Credit-related activities entered the FCA regime through the 2013 amendment order, with the principal commencement 1 Apr 2014, not the order's 2013 publication date. | S006 arts.1(2)–(6), 3–6; S007 PERG2.3.2 | H. |\n| C010 | Qualifying not-for-profit bodies doing non-occasional debt adjusting, counselling or credit-information service are treated as carrying on business under business-order 3E; the occasional-only proviso limits that deeming rule. | S006 art.13, inserted 3E(1)–(4); S007 PERG2.3.2(3B) | H, constitution and frequency must be tested. |\n| C011 | Credit agreement's borrower definition concerns an individual or relevant recipient of credit; a qualifying small partnership/unincorporated body may count, an ordinary incorporated company's own debt ordinarily does not. | S003 arts.60B(3), 60L(1); S005 60B(3) | H/M; inspect organisational form and agreement. |\n| C012 | RAO 39D/39E say credit agreement, while 60B(3) differentiates regulated credit agreement; these terms cannot be interchanged. | S003 39D/E; S005 60B(3) | H text; overlap exceptions still apply. |\n| C013 | Under 60C(3) a credit agreement exceeding £25,000 wholly/predominantly for business is exempt for that chapter; 60C(5)–(6) sets declaration/rebuttal treatment. | S005 60C(1),(3),(5)–(7) | H; not a debt-advice carve-out by itself. |\n| C014 | A guarantor or third-party funder is not automatically the borrower for 39E merely by paying; a signed joint borrower can be the recipient. | S003 39E(1), 60L borrower definitions; S005 60B(3) | M—statutory-role inference; guarantee/agency specifics unresolved. |\n| C015 | Certain mortgage/home-finance overlaps are dealt with through RAO 39J and other activity classifications; security on land is not a universal 39D/39E exclusion. | S003 39J(1)–(3), 39L; S005 60C(2) | M; mortgage product and date required. |\n| C016 | 39H provides role-specific lender, owner, supplier and other exclusions with limits, including the 39H(1A) qualification; a generic creditor or debt-buyer label is insufficient. | S003 39H(1)–(3), 39F/G; S005 60B(2) | H/M. |\n| C017 | “Charitable,” “free consultation” and “no debtor fee” do not themselves disapply 39D/39E: business and precise exemption tests remain necessary. | S006 art.13 / 3E; S007 PERG2.3.2–2.3.3 | H, no blanket exemption. |\n| C018 | NI district council qualifies as RAO's “local authority” under art.3 and 72G excludes described local-authority acts from 39D–39G; other public bodies must establish their own basis. | S004 art.3 definition; S003 72G(1)–(3), 39L | H/M, actor identity essential. |\n| C019 | RAO 39K concerns specified barrister/solicitor acts in advocacy/litigation capacities including NI solicitor branch; general non-litigious service is not automatically excluded. | S003 39K(1)–(3) | H/M, service-specific. |\n| C020 | FSMA s.327 professional exemption requires compliance with designated-body rules, incidental/complementary professional service and financial benefit conditions, subject to 328/329 restrictions. | S001 ss.326–329, 332 as enacted; S012 PROF2.1.3–2.1.14; S013 Annex1 | H FCA guidance; individual body-rule check held. |\n| C021 | RAO 72H(1)–(3) excludes stated acts as insolvency practitioner; reasonable contemplation of appointment has narrower specified 39D/39E/89A scope. | S003 72H(1)–(3), 39L; S015 CONC10.2.10G | H/M, actual appointment/capacity required. |\n| C022 | An appointed representative operates through a principal's responsibility and valid contract for eligible specified activities, not independent comprehensive authorisation. | S001 s.39; S011 SUP12 | H/M, validate principal, activity eligibility and scope. |\n| C023 | The legal person carrying on in-scope debt adjusting/counselling needs its own appropriate FCA permission unless lawfully excluded/exempt/represented; permission restrictions and DMP scope matter. | S001 ss.19, 40; S003 39D/E; S014 FEES3 Annex1 CC2 | H framework, actual firm permission not tested. |\n| C024 | For covered CONC10 firms, prudential requirement is the higher of £5,000 or 0.25% first £5m + 0.15% next £95m + 0.05% above, with higher-other-regime provision. | S015 10.1.1–1.2, 10.2.2–2.10 | H, not compensation or segregated client money. |\n| C025 | At the 2 July 2026 pricing schedule, FEES3 CC2 restricted category 3 = £1,130 and broader category 6 £11,260 per relevant application classification. | S014 FEES3 Annex1 Part2 CC2; Annex1A | H on listed categories; combinations/actual applicant require more facts. |\n\n### Actors, payment, territorial and verification claims\n\n| Claim | Exact assertion; predicates, exception and consequence | Direct source/pinpoint | Confidence / limit |\n| --- | --- | --- | --- |\n| C026 | A payment operation is within the 2017 PSRs when a specified payment service is carried on as an independent business/regular occupation and not excluded; ordinary ancillary DMP remittance is generally not classified that way in FCA PERG Q9. | S016 regs.2, 4–5, Sch.1; S017 PERG15.2 Q9 | H FCA position; contracts/cash flow determinative. |\n| C027 | Independently provided money remittance may require FCA payment-institution authorisation, small-institution registration or another valid category; FSMA permission does not automatically answer that PSR test. | S016 regs.6–14, Sch.1; S017 PERG15.2 Q11–Q11B; S018 | M, all exception/threshold branches not comprehensively updated. |\n| C028 | FSMA's “carried on in the UK” link includes NI; provider/consumer/medium/location fact patterns determine reach, and non-UK location is no categorical 39D/39E exemption. | S001 s.19; S002 PERG2; S010 PERG2.4; S003 art.72 | M on hypothetical overseas conduct; foreign law deferred. |\n| C029 | Violation of FSMA ss.19/20/23 has statutory regulatory/criminal consequences only on proven elements and exceptions; it does not automatically extinguish creditor obligations. | S001 ss.19–29, especially s.28(9); S002 PERG2.2 | H for nonautomatic effect; full remedies deferred. |\n| C030 | FCA provides public firm checker and register; valid confirmation requires matching legal person, active status, activity permission/restriction, and AR/principal where relevant. | S033 FCA checker instructions; S034 FS Register instructions; S011 SUP12 | H, no particular listing checked. |\n| C040 | NI IP bond amendment increased general penalty sum to £750,000, subject to S.R.2025/177 reg.6 saving for certain pre-2027 bond/case combinations, to address specified dishonest-loss claims. | S029 Sch.2 para.3 historic £250k; S030 regs.5–6 | H, not a settlement-refund promise. |\n| C041 | CONC10 applies to an NFP debt advice body if it held £1m+ client money within last 12 months or projects that level within next 12; qualifying professional-firm exception has specific 50%-income and incidental requirements. | S015 10.1.1(2), 10.1.2(1)–(3) | H, client-money meaning not fully audited. |\n| C043 | Debt-specific personalised advice must be tested against 39E; unpersonalised information may not meet its advice element. Delivery through an algorithm does not itself settle the test. | S003 39E; S008 PERG17.2; S009 PERG17.3–17.6 | M; product interactions needed. |\n| C044 | Register listing, FCA authorisation or an insolvency title does not independently establish lawful contract terms, creditor assent, debt release or successful outcome. | S033–S034 register scope; S003 regulated activities; S036 IVA distinct statutory role | H logical limitation, no specific agreement assessed. |\n| C046 | S.I.2013/1881 art.60 had a restricted not-for-profit former group-licence permission route from 1 Apr 2014, only to licence-described activities; old licence alone is not present proof of permission. | S006 art.60(1)–(3); S034 current register | H on historic transition, individual present status untested. |\n| C047 | Being licensed as an NI IP does not automatically authorise unrelated debt-adjusting services outside the 72H capacity; FSMA exemption and NI officeholding are different tests. | S003 72H; S021 s.14 / 349A; S012 PROF2.1 | H/M, dual activity details needed. |\n| C049 | Business-purpose exempt credit lending under 60C does not alone remove debtor-side 39D/E where the debt remains due under a “credit agreement”; other specific exclusions may still apply. | S005 60B(3), 60C(3); S003 39D/E/H/J | H on terminology; definitive case outcome held. |\n| C050 | Debt categories like tax, rent, support, rates, fines and ordinary company trade invoices do not become 39D/E credit-agreement debt solely by label, and other legal gateways may remain. | S003 39D/E; S005 60B(3); S009 PERG17 | M, other product/sector law deferred. |\n\n### NI practitioner and statutory-mechanism claims\n\n| Claim | Exact assertion; predicates, exceptions and consequence | Direct source/pinpoint | Confidence / limit |\n| --- | --- | --- | --- |\n| C031 | NI IVA is distinct statutory arrangement under NI 1989 Order Part VIII Ch.II, with statutory nominee/supervisor roles; not any private repayment negotiation. | S020 index only, Part VIII; S021 s.5, Sch.3–4; S036 IVA explanatory text | M; consolidated Order direct body access gap. |\n| C032 | An NI insolvency practitioner must be an individual, qualified/appropriately authorised under reformed 349/349A; full versus individual-only/company-only partial authorisation determines role scope. | S021 s.14(2)–(4), 349A(1)–(5); S029 reg.2/Sch.2 as amended | H for 2016 enactment; complete current RPB roster held. |\n| C033 | NI Department for the Economy supervises statutory recognition of professional bodies under reformed art.350, which authorise individual insolvency practitioners subject to training/fitness/security. | S021 ss.14–17; S029 reg.6–10, read with S030 | H/M; current recognition must be verified. |\n| C034 | S.R.2025/170 removed Law Society NI as an NI insolvency RPB effective 5 Nov 2025; separate FSMA designated professional-body listing is not repealed by this instrument. | S026 arts.1–2; S028 departmental notice; S013 PROF2 Annex1 | H within distinct statutes. |\n| C035 | NI Department's art.350N notice states Chartered Accountants Ireland NI insolvency RPB recognition ended 19 Feb 2025. | S027 effective-date paragraph, S026 explanatory history mentioning S.R.2025/19 | M because S.R.2025/19 not itself body-read. |\n| C036 | NI DRO Official Receiver makes the statutory order; an individual “approved intermediary” under 208U(1) must have approval from a Department-designated competent authority. | S022 s.1, 208C–208E, 208U(1)–(4); S023 regs.3–10; S024 | H for statutory roles, current individual designation not checked. |\n| C037 | NI 208U restricts charging debtor for activities connected to a DRO application as an approved intermediary, within the express statutory wording, not a general debt-advice-fee determination. | S022 208U(7) | H for that role only; consumer fee dossier deferred. |\n| C038 | NI bankruptcy involves NI statutory High Court/Official Receiver/trustee officeholder roles, not a generic commercial “bankruptcy adviser” licence. | S021 s.8; 1989 Order references; S029 reg.2 | M, full Part IX consolidation and procedure excluded. |\n| C039 | NI 2026 s.93 abolished 1989 Order arts.237A–237G fast-track voluntary arrangement route effective 16 Oct 2026; s.93(6) preserves already-submitted specified cases. | S031 s.93(1)–(6); S032 art.2(1),(2)(n) | H, precise grandfathering predicate retained. |\n| C042 | The 2016 reform repealed NI 1989 Order article 348A and alternate authorised nominee/supervisor wording; a pre-repeal consolidated extract must not be treated as current. | S021 Sch.3 paras.4–15; Sch.4, plus s.27 | H on repeal text; commencement annotation cross-check. |\n| C045 | An old NI government list of insolvency RPBs may be stale after 2025 revocations; professional-body designation and current individual licence must be checked separately. | S026–S028 revocation/effective dates, S035 directory | H as dated-list warning; no exhaustive live RPB list claim. |\n| C048 | A negotiated payment compromise is not the NI statutory IVA or DRO merely because parties call it an “arrangement”; NI statutory offices arise under their governing instrument. | S021 IVA amendments; S022 DRO statutory gateway; S036 IVA role description | H for mechanism distinction, no statement of private contract enforceability. |\n\nClaim-register completeness: 50 atomic claims, C001–C050 inclusive, with no intentionally omitted number. Claims C031, C035 and C038, and selected 2026-wide portions of C002–C008/C015–C016, retain explicit legal-currentness/source limitations. None uses an unsupplied England/Wales or other-country report as its premise.\n\n## Complete visible coverage inventory\n\nStatus definitions: A = answered within P01's limited gateway; P = partially answered because a particular amendment, body text or fact remains unverified; U = unresolved in P01; D = deliberately deferred; X = outside this jurisdiction/pass. “Next evidence/question” is a bounded research or hypothetical-document step, not an instruction to contact a provider or file an application.\n\n### A — Operative perimeter, debt/person scope and currency\n\n| Row / status | Material question and answer boundary | Claims; primary sources | Missing evidence and exact next retrieval/question |\n| --- | --- | --- | --- |\n| A01 A | Does UK FSMA/RAO apply to covered NI activity? Yes, subject to regulated activity, business, nexus and exceptions. | C001; S001–S003, S010 | For a given service: which conduct occurs in the UK? Obtain hypothetical activity map. |\n| A02 A | What constitutes debtor-side negotiation? RAO 39D, distinct hire branch. | C002; S003 art.39D | Particular authority/agency contract and credit instrument. |\n| A03 A | What constitutes debtor-specific repayment advice? RAO 39E, credit and hire branches. | C003; S003 art.39E, S008 | Specific advice output and legal borrower identity. |\n| A04 A | Is creditor-side collection the same permission? No; 39F separately defined. | C004; S003 art.39F | Creditor/collector contract and 39H predicates. |\n| A05 A | Is administering a DMP necessarily debt administration? No; 39G lender/owner rights test. | C005; S003 art.39G | Whose rights/duties does actor exercise? |\n| A06 A | Are introductions always credit broking? No; 36A specifies covered credit/hire introductions and exclusions. | C006; S003 arts.36A–36F | Destination product, commission and actual referral role. |\n| A07 P | Is credit repair a separate permission? 89A potentially; precise subactivity must be established. | C007; S003 art.89A references | Open current RAO 89A/89B and read each exclusion against credit-repair example. |\n| A08 A | Can agreeing now to perform later matter? Potentially RAO 64. | C008; S003 art.64 | Exact engagement promise and whether future act is specified. |\n| A09 A | What is “by way of business”? Statutory test plus 2001 Business Order, modified by specific activity and nonprofit provision. | C009–C010; S006 art.13, S007 | Continuity, scale, commercial benefit and organisational constitution. |\n| A10 A | Does a fee-free first meeting exempt a paid later service? No automatic exemption. | C017; S007 PERG2.3 | Whole sales funnel, indirect consideration and substantive advice. |\n| A11 A | Are charities/free providers automatically outside? No, art.3E has a non-occasional deeming rule. | C010, C017; S006, S007 | Frequency; constitution; actual authorised/exempt legal capacity. |\n| A12 A | Is an individual borrower included? Yes, for qualifying credit-agreement activity. | C011; S003 60L, S005 60B | Named borrower and underlying debt agreement. |\n| A13 A | Do sole-trader business debts automatically escape? No; individual borrower and agreement exemptions are distinct tests. | C011–C013, C049; S003, S005 | Loan amount, date, business-use declaration, 39H/J overlap. |\n| A14 A | Which partnerships/unincorporated bodies are relevant? Statutory relevant-recipient definition, not every organisation. | C011; S003 art.60L | Number/type of partners and actual borrower. |\n| A15 A | Are all corporate company debts covered by 39D/E? No, company-alone branch needs other authority. | C011–C012; S003, S005 | Any separate individual borrowing/guarantee or other activity. |\n| A16 P | Joint borrower, guarantor, third-party payer? Only actual statutory borrower/hirer status decides 39E; beneficiary/agent may matter for 39D. | C014; S003 39D/E, 60L | Current creditor agreement, guarantee and agency facts; reconcile each branch. |\n| A17 A | Secured/unsecured/hire debts one category? No; hire and home-finance overlaps differ. | C002–C005, C015; S003, S005 | Mortgage contract type and security instrument. |\n| A18 A | Are exempt lending agreements necessarily excluded from advice? No; “credit” versus “regulated credit” text differs. | C012–C013, C049; S003, S005 | Apply every relevant 39H/39J and specific contract exception. |\n| A19 P | Are tax/rent/support/fines/utility bills necessarily FCA debt advice? Not merely by label. | C050; S003, S005 | Test actual underlying agreement and any other sector authorisation. |\n| A20 A | Did consumer-credit perimeter start merely at 2013 enactment? No; substantial transition on 1 Apr 2014. | C009, C046; S006 | Historical firm-specific interim permission, if ever relevant. |\n| A21 P | Is every RAO 39D–39L 2026 amendment independently accounted for? No, 2025 whole-part body and some 2026 narrower provisions read. | C002–C008; S003–S005 | Retrieve accessible full amended Part II as at 26 Oct 2026, compare legislative changes after 15 Jul 2025 provision-by-provision. |\n| A22 A | Is 2026 publication the same as commencement? No; 2026 NI Act and order have separate dated operative provisions. | C039; S031–S032 | For additional 2026 sections, read each appointed commencement and saving before asserting operation. |\n| A23 U | Are there further specialised trade/sector gateways for noncredit debt advice not captured here? Not determined. | C050; S003 scope boundary | Next narrow provider pass: classify any proposed pension, investment, mortgage, housing, tax or immigration advice against its own operative instrument. |\n\n### B — Actors, exemptions, restricted professional capacity\n\n| Row / status | Material question and answer boundary | Claims; primary sources | Missing evidence and next question |\n| --- | --- | --- | --- |\n| B01 A | Paid commercial debtor-side firm: 39D/E and appropriate FCA route, not a generic debt licence. | C001–C003, C023; S001–S003, S014 | Who is the contracting legal person; which permissions? |\n| B02 A | Not-for-profit/charity/free advice: no blanket immunity; art.3E. | C010, C017; S006–S007 | Is activity occasional only; which entity and authorised/exempt status? |\n| B03 P | Government-funded or public adviser: no general “public sector” exemption established. | C018; S003 72G, S004 art.3 | What is exact public body and its enabling function? |\n| B04 A | NI district council as local authority: 72G specified exclusions. | C018; S003, S004 | Is the actor the council itself or a separate subsidiary/contractor? |\n| B05 A | Solicitor litigation/advocacy: 39K specific branch. | C019; S003 art.39K | Is actual activity advocacy/litigation? |\n| B06 P | Solicitor/accountant non-litigious professional services: conditional FSMA s.327 and body rules. | C020; S001, S012–S013 | Read current specific designated body's approved s.332 rules for the service. |\n| B07 A | Creditor collecting own debt: 39H, regulated creditor/lender-rights branch and exceptions. | C016; S003 39H, S005 60B(2) | Original ownership and whether any work is for another lender. |\n| B08 P | Debt buyer/acquirer: role and rights can cross 60B(2), 39F/G. | C004–C005, C016; S003, S005 | Assignment, servicing, original agreement and exemption predicates. |\n| B09 A | Independent creditor collector: creditor-side permission distinct from borrower-side counselling. | C004–C005; S003 39F/G | Exact engagement and lender/owner principal. |\n| B10 A | Referrer/publisher/software: activity and remuneration control, not label. | C006–C008, C043; S003, S008–S009 | Actual information/advice interface and referral contracts. |\n| B11 A | Ancillary DMP payment distributor: not automatically PSR payment business. | C026; S016–S017 | Service independence and fund-flow arrangements. |\n| B12 P | Independent payment remitter: another gateway may apply. | C027; S016–S019 | Current PSR authorisation/registration amendments and specific arrangement. |\n| B13 A | Statutory IP: 72H capacity-limited and separate 349A appointment. | C021, C032, C047; S003, S021 | Which individual and case capacity? |\n| B14 A | Appointed representative: principal-based s.39/SUP12. | C022; S001, S011 | Actual AR contract, principal permission and covered activity. |\n| B15 P | Special public agency/charity undertaking only NI DRO-approved work: separate 208U authority, not universal FCA exclusion. | C036; S022–S025 | Does it also give other debt advice? Check 72H/other actual exemption separately. |\n\n### C — Licence, application, competence and gateway financial safeguards\n\n| Row / status | Material question and answer boundary | Claims; primary sources | Missing evidence and next question |\n| --- | --- | --- | --- |\n| COV-C01 A | FCA authorisation belongs to appropriate legal person, with named activity permission. | C001, C023; S001, S014 | Exact firm/entity and restricted permission. |\n| COV-C02 A | FCA full/limited and DMP distinctions materially affect applicant classification. | C023, C025; S014 Annex1 | Apply regulatory activity group and permitted restrictions to an actual business model. |\n| COV-C03 A | AR is exemption through authorised principal/contract for eligible activities, not free-standing licence. | C022; S001 s.39, S011 | Which regulated act in principal's permission and AR contract? |\n| COV-C04 P | Exempt professional firm has designated professional body/approved rules/incidental capacity predicates. | C020; S012–S013 | Read actual current NI solicitor/accountancy body permitted-activity schedule. |\n| COV-C05 A | NI insolvency-practitioner authorisation is individual, potentially partial by company/individual scope. | C032–C033; S021 s.14 | Individual licence and authorising RPB currentness. |\n| COV-C06 A | NI DRO competent authority designation differs from individual intermediary approval. | C036; S022 208U, S023 regs.3–10 | Current competent authority and individual approval status, hypothetically. |\n| COV-C07 P | Fitness, experience, training and qualifications for NI officeholders/advisers: meaningful regulations exist, but post-2016 consolidation must be applied. | C032–C036; S021, S023, S029 | Reconcile revised Article349A with amended 2006 fitness regulations; reconcile obsolete 2011 CCA licence language. |\n| COV-C08 P | NI DRO intermediary public-liability/indemnity insurance appears in 2011 regs.8–9. | C036; S023 regs.8–9 | Read 2026 revised text and ensure exact policy coverage/amount; no universal numeric PII figure adopted. |\n| COV-C09 A | Debt-management CONC10 financial resources and £5k floor/proportional formula are distinct from compensation/client funds. | C024; S015 10.1–10.2 | For a hypothetical firm, calculate relevant debts and other higher requirement. |\n| COV-C10 A | £1m client-money threshold for certain not-for-profit bodies affects CONC10 application. | C041; S015 10.1.1 | Twelve-month actual/projection and statutory “client money” treatment. |\n| COV-C11 A | 2026 FCA applicant categories 3/6 have specified prices, not customer fees. | C025; S014 Annex1/1A | Multi-activity grouping, permission limit, not-for-profit fee exception. |\n| COV-C12 A | NI IP bond now has £750k new standard subject to express pre-2027 saving. | C040; S029–S030 | Bond issue/appointment dates and whether relevant loss within cover. |\n| COV-C13 P | Further PII, minimum liquidity, bonding or security for other actor categories cannot be assumed. | C024, C027, C036, C040; S015–S016, S023, S030 | Identify exact regulated activity and source of each proposed financial safeguard; retrieve its operative schedule. |\n| COV-C14 A | Historic 2014 consumer-credit permission route exists but is not proof of present firm authorisation. | C009, C046; S006 art.60, S034 | Modern FCA register legal entity/permission, hypothetically. |\n| COV-C15 P | FCA accountable management, fitness, competence and threshold conditions apply according to permission and firm type. | C023–C024; S001, S002, S015 | Read current COND/SYSC/SMCR-specific provisions for a defined firm; no invented single named responsible-person requirement. |\n| COV-C16 P | Payment institution may have separate initial-capital/safeguard requirements, conditional on PSR activity. | C026–C027; S016–S019 | Confirm exact 2026 amended PSR Sch.3 capital and applicable provider classification; no sum transferred to an ordinary DMP firm. |\n\n### D — UK/NI and international nexus\n\n| Row / status | Material question and answer boundary | Claims; primary sources | Missing evidence and next question |\n| --- | --- | --- | --- |\n| D01 A | NI lies inside UK FSMA geographic frame. | C001, C028; S001 s.19, S010 | Where do particular regulated acts occur? |\n| D02 A | Rest-of-UK provider into NI: UK FCA classification remains possible; NI statutory role separately governed. | C028, C031–C038; S010, S021–S023 | Is service financial, insolvency officeholding or both? |\n| D03 P | Foreign provider into NI via online/telephone: no automatic nonresident exemption. | C028; S003 art.72, S010 PERG2.4 | Actual acts, agents, UK establishment and relevant RAO territorial exclusions. |\n| D04 P | NI provider helping debtor abroad: NI place of carrying on business can matter; foreign regulatory permissions not resolved. | C028; S001, S010 | Map acts in UK; A098 foreign state requirements separately. |\n| D05 A | Website/telephone medium itself does not decide regulated activity. | C028, C043; S008–S010 | Degree of personalised advice and who supplies it. |\n| D06 P | Offshore affiliate, call-centre agent, introducer: actor-by-actor UK link necessary. | C006, C022, C028; S003, S010–S011 | Agency/contracts, payments, attribution, actual location. |\n| D07 P | Any specific treaty/overseas-person exemption for an identified nonstandard activity? Only if exact law allows. | C028; S003 art.72 | Read exemption for the specific activity; 39D/E cannot borrow unrelated art.72 limb. |\n| D08 D | Foreign recognition, creditor law, judgment enforcement and assets/migration. | C028 boundary; S010 | A098: What foreign law governs the identified debtor/creditor/asset and recognition event? |\n\n### E — Read-only official checking\n\n| Row / status | Verification question | Claims; official sources | Missing evidence and next check |\n| --- | --- | --- | --- |\n| E01 A | Is legal identity more reliable than brand name? Yes for register matching. | C030; S033–S034 | Precise legal entity, trading name and signing party. |\n| E02 A | Is an FCA listing enough? No; must inspect exact permission, status and restriction. | C023, C030, C044; S033–S034 | Activity-to-permission match at relevant engagement date. |\n| E03 A | What about AR? Match AR and principal, permitted contracted activity. | C022, C030; S011, S034 | Principal permission and representation contract. |\n| E04 P | Exempt professional firm: body listing alone insufficient. | C020; S012–S013 | Firm's designated-body exempt status and current rule permitted acts. |\n| E05 A | Separate payments register class may be necessary when independently remitting. | C026–C027; S016–S018, S034 | Determine payment service first, then correct FCA category. |\n| E06 P | NI insolvency practitioner directory: useful but not complete proof. | C032–C035; S026–S028, S035 | Authorising RPB, individual licence, limited capacity, actual appointment. |\n| E07 P | NI DRO body list: organisation status does not certify each adviser. | C036; S023–S025 | Linked authority roster attachment and individual approval. |\n| E08 A | Have actual entities/people/cases been checked? No; all procedures were hypothetical. | C030, C044; S033–S035 | No additional real-case lookup within authorisation. |\n| E09 A | Does authorisation prove settlement/debt release? No. | C044; S033–S034, S036 | Later contract/creditor assent and remedy dossier; outside P01. |\n\n### F — Local statutory solution and professional boundary\n\n| Row / status | NI gateway issue and limited finding | Claims; primary sources | Missing evidence and exact next question |\n| --- | --- | --- | --- |\n| F01 A | Private voluntary negotiation is not itself statutory NI IVA/DRO. | C048; S021–S022, S036 | Does provider claim a specific statutory office or only consensual negotiating authority? |\n| F02 P | NI IVA nominee/supervisor and Part VIII authority identified. | C031–C032, C042; S020–S021, S036 | Obtain current amended 1989 Order 227–236 body and current NI IVA rules before procedural claims. |\n| F03 A | NI insolvency practitioner is individual with appropriate/partial authorisation. | C032–C033; S021 s.14, S029–S030 | Exact individual scope and current RPB confirmation. |\n| F04 A | 2016 repeal of alternative authorisation under 348A. | C042; S021 Sch.3/4 | Verify commencement annotations if evaluating a historic appointment. |\n| F05 P | NI DRO Official Receiver and approved intermediary/competent authority roles established. | C036–C037; S022–S025 | Current approved-intermediary roster and 2011 licence-language reconciliation. |\n| F06 P | NI bankruptcy High Court/Official Receiver/trustee boundary established, not full procedure. | C038; S021, S029 | Read current 1989 Order Part IX/NI rules only in later bankruptcy pass. |\n| F07 A | Law Society NI insolvency RPB recognition revoked 5 Nov 2025. | C034; S026, S028 | Distinguish retained FSMA designated-professional function, then verify individual alternative RPB. |\n| F08 P | Chartered Accountants Ireland NI insolvency RPB recognition revoked 19 Feb 2025. | C035; S027, plus S026 history | Retrieve and body-read S.R.2025 No.19 for direct independent enactment confirmation. |\n| F09 P | Exhaustive current NI recognised professional bodies not established solely by old agency lists. | C033–C035, C045; S020–S021, S026–S028 | Read S.R.1991 No.301 consolidated Schedule and every applicable 2022/2025 amendment. |\n| F10 A | 2026 fast-track voluntary arrangements repealed for new cases 16 Oct 2026, existing-submission saving. | C039; S031 s.93, S032 art.2(2)(n) | For historic cases only: was 237B(1) submission made before operative date? No actual case checked. |\n| F11 A | NI IP general bond changed in 2025 with express transitional saving. | C040; S029–S030 | Determine bond/appointment dates; no case, claim or insurance lookup. |\n| F12 D | IVA/DRO/bankruptcy eligibility, procedure, distribution, discharge, tax and cost are not answered. | C031/C036/C038 boundary only; S020–S024 | Later solution-specific dossier: what are current NI qualifying conditions, acts, forms and legal effects? |\n\n### G — Hypothetical tests and quantitative safeguards\n\n| Row / status | Coverage | Claims; sources | Remaining evidence/next question |\n| --- | --- | --- | --- |\n| G01 A | Paid card settlement scenario G1 | C002–C003; S003 | Contract, borrower and permission in any actual matter. |\n| G02 A | Nonprofit free-adviser scenario G2 | C010, C017; S006–S007 | Constitution, regularity and exempt/authorised capacity. |\n| G03 A | NI solicitor commercial settlement scenario G3 | C019–C020; S003, S012–S013 | Current professional-body s.332 rules and incidental-service facts. |\n| G04 A | Insolvency practitioner selling separate DMP G4 | C021, C047; S003, S021 | Appointment capacity versus commercial mandate. |\n| G05 A | NI DRO competent authority/employee G5 | C036; S022–S025 | Individual approval and authority scope. |\n| G06 P | Overseas app/remote NI service G6 | C028, C043; S008–S010 | Full territorial and functional interaction evidence. |\n| G07 A | Acquiring/collecting creditor G7 | C004–C005, C016; S003, S005 | Assignment and servicer status. |\n| G08 A | Payment-only distributor G8 | C026–C027; S016–S017 | Whether independent PSR payment service exists. |\n| G09 A | FCA fee example (£1,130/£11,260, 2026) | C025; S014 | Precise applicant category, no consumer fee implied. |\n| G10 A | CONC resources examples (£5k/£20k), formula verified | C024, C041; S015 | Actual relevant-debt calculation and higher parallel requirement. |\n| G11 A | NI practitioner bond (£750k with transition) | C040; S029–S030 | Bond and appointment dates; covered loss, not assumed award. |\n| G12 A | Unauthorised activity consequence kept conditional | C029; S001–S002 | Any actual allegation would require each criminal/regulatory element and defence; remedies separate. |\n\nA–G self-check: 23 A rows + 15 B rows + 16 C rows + 8 D rows + 9 E rows + 12 F rows + 12 G rows = 95 visible coverage rows. Of those, 69 A, 23 P, 1 U, 2 D. These counts reflect research dispositions, not a percentage of Northern Ireland law completed.\n\n### H — Full independently enumerated deferred-work inventory\n\nAll rows below are deliberately unanswered by P01. A reference to a gateway above supplies context only; it is not substantive authority for the deferred rule. No rule, amount, deadline, remedy or consumer entitlement is being adopted in these rows.\n\n#### H1. Consumer fees, contract formation, disclosures and conduct\n\n| Row / status | Deferred rule family | Exact next research question |\n| --- | --- | --- |\n| H001 D | Consumer-paid charges | What fees may an NI debt-management/settlement provider charge a debtor, by precisely classified activity? |\n| H002 D | Indirect provider remuneration | How are creditor commissions, lead payments, affiliated benefits and other indirect compensation treated for disclosure, conflicts and authorisation? |\n| H003 D | Fee earning | At what legally defined event, if any, is a provider entitled to earn a fee? |\n| H004 D | Advance-payment restrictions | Which operative FCA/other rules limit taking money before negotiations, creditor agreement or performance? |\n| H005 D | Fee caps and calculation | Are any statutory, regulatory or professional caps applicable, to which services, with what calculation base? |\n| H006 D | Cancellation and withdrawal | What statutory or contractual cancellation rights, cooling-off periods and notices govern each transaction channel and provider class? |\n| H007 D | Refunds and unearned fees | What must be returned upon cancellation, nonperformance, termination, provider failure or ineffective settlement? |\n| H008 D | Advertising and solicitation | Which current financial-promotion, advertising, cold-calling and lead-generation restrictions apply in NI to each service? |\n| H009 D | Written contracts | Which service contracts must be in writing, and what form, signatures or electronic-record rules apply? |\n| H010 D | Mandatory contractual terms | Which provider promises, duration, service limitations, variation and termination clauses are mandatory, prohibited or unfair? |\n| H011 D | Pre-contract disclosures | What must the provider disclose about fees, risks, alternatives, creditor participation, client funds and status before commitment? |\n| H012 D | Suitability and advice standards | What assessment, suitability, vulnerability and best-interests obligations apply under relevant FCA/professional rules? |\n| H013 D | Debt-relief outcome claims | What evidence is required for claims about savings, settlement rate, time to resolution, credit effects or guarantee? |\n| H014 D | Ongoing service and exit | What periodic statements, reviews, records, variation notices and closure steps are required during and after engagement? |\n\n#### H2. Funds, redress, complaints, privacy and provider failure\n\n| Row / status | Deferred rule family | Exact next research question |\n| --- | --- | --- |\n| H015 D | Client money receipt | When is money held by a debt adviser legally “client money” under the applicable FCA regime? |\n| H016 D | Client money segregation | What account segregation, reconciliation, identification and audit obligations apply to a specific DMP business model? |\n| H017 D | Stand-alone payment regulation | What is the fully updated October 2026 payment-services authorisation/registration/agent and safeguard regime, including every exemption and threshold? |\n| H018 D | Trust and insolvency ring-fencing | If a provider fails, what proprietary or trust interest, if any, exists in money held for customers? |\n| H019 D | Payment authority and distribution | What authority is required to initiate, distribute, withhold, reverse or refund customer payments, and what records must be retained? |\n| H020 D | Private civil remedies | What specific cause of action, standing, limitation period, damages or restitution may follow an actual provider breach? |\n| H021 D | Regulatory breaches and enforcement | What FCA investigative powers, notices, sanctions, procedural protections and individual accountability mechanisms apply to particular contraventions? |\n| H022 D | Consumer complaints and ombudsman | What complaints processes and Financial Ombudsman Service jurisdiction apply to each covered legal person and service? |\n| H023 D | NI insolvency practitioner complaints | What is the current complaint allocation among NI RPB, Department, officeholder and court, including former-RPB cases? |\n| H024 D | Compensation schemes | When, if at all, does the Financial Services Compensation Scheme or another scheme cover a failure or a dishonest loss? |\n| H025 D | Personal data and privacy | What UK GDPR/data-protection lawful basis, retention, data-sharing and security obligations apply to debt intake and creditor negotiation records? |\n| H026 D | Marketing/contact permissions | What consent, privacy, telephone, email, text and direct-marketing rules apply to NI debt leads, introductions and remarketing? |\n\n#### H3. Debt products, collecting, disputes, time limits and credit records\n\n| Row / status | Deferred rule family | Exact next research question |\n| --- | --- | --- |\n| H027 D | Credit card, overdraft and personal-loan products | What borrower rights, creditor duties and product-specific rules govern each source of debt in NI? |\n| H028 D | Payday, BNPL and deferred-payment credit | Which 2026 commencement, temporary permission, product and grandfathering provisions apply to each agreement? |\n| H029 D | Debt-collection conduct | What rules govern demands, communications, hardship treatment, harassment, third-party contact and collection practices? |\n| H030 D | Validation and proof of debt | What evidence must an NI creditor/collector produce, when, and through what procedure? |\n| H031 D | Balance and liability disputes | How does a debtor challenge balance, interest, ownership, accounting, fraud or contractual enforceability? |\n| H032 D | Assignment and debt purchases | What notice, legal/equitable assignment, standing and debtor-defence rules govern transferred claims? |\n| H033 D | Limitation periods | What NI limitation law and accrual date governs each credit, specialty, mortgage, tax or judgment claim? |\n| H034 D | Acknowledgment, payment and revival | Which signed acknowledgment, partial payment, admission or other event affects a limitation defence in NI? |\n| H035 D | Credit reference reporting | What source-specific reporting, accuracy, correction, suppression and retention rules apply? |\n| H036 D | Credit score and future borrowing | What documented, qualified credit effects may follow each action, without promising score movement or recovery? |\n| H037 D | Out-of-court creditor rights | What set-off, lien, acceleration, demand and account-closure rights arise under each creditor agreement and NI law? |\n\n#### H4. NI courts, enforcement, protected income and priority debt\n\n| Row / status | Deferred rule family | Exact next research question |\n| --- | --- | --- |\n| H038 D | Court jurisdiction and claims | Which NI court or statutory forum hears the identified debt claim, and under which jurisdictional rules? |\n| H039 D | Service of process | What are the applicable NI service methods, substituted service, cross-border service and proof requirements? |\n| H040 D | Default and response | What actual NI procedural steps and legally operative deadlines arise after a properly served claim? |\n| H041 D | Judgment formation | What proof and hearings are required for default, summary or contested judgment? |\n| H042 D | Set-aside and appeal | On what grounds and under what procedure can a debtor challenge or reopen a judgment or order? |\n| H043 D | Enforcement mechanisms | What NI enforcement office, attachment, seizure, instalment, registration and creditor-priority powers exist? |\n| H044 D | Income/property protection | What NI exemptions or protections apply to wages, household goods, benefits, pensions and property? |\n| H045 D | Bank accounts and third-party money | What attachment, set-off or other enforcement mechanisms may reach deposits or funds held for another person? |\n| H046 D | Secured and mortgage debt | How do NI land charges, mortgage regulation, secured arrears and redemption interact? |\n| H047 D | Mortgage enforcement/repossession | What NI procedure governs possession, sale, deficiency and borrower protections? |\n| H048 D | Vehicles and hire purchase | What recovery, repossession, hire termination and secured vehicle deficiency rules govern NI agreements? |\n| H049 D | Rent and housing | What tenancy-arrears, eviction, social-housing and housing-support rules apply in NI? |\n| H050 D | Medical and care bills | What NI health, private treatment, care contribution and related collection rules govern the obligation? |\n| H051 D | Utilities and telecommunications | What NI electricity, gas, water, telecom, disconnection, metering and arrears protections apply? |\n| H052 D | Family maintenance and support | What NI child-maintenance, family-support and related enforcement priorities apply? |\n| H053 D | Fines and criminal financial orders | Which NI criminal-court or statutory collection procedures govern fines, compensation and penalties? |\n| H054 D | Tax, rates and other government debt | What HMRC, NI rates, overpayment recovery and government-creditor powers apply to each liability? |\n| H055 D | Priority and nonpriority sorting | What legally supported criteria determine which NI debts have more urgent consequences or priority? |\n| H056 D | Public assistance and free support | Which current NI public benefits, emergency assistance, housing support, debt-advice services and eligibility requirements exist? |\n\n#### H5. Full NI insolvency solutions, costs, cross-border work and remaining scope\n\n| Row / status | Deferred rule family | Exact next research question |\n| --- | --- | --- |\n| H057 D | NI IVA complete procedure | What are the current NI IVA proposal, nominee, filing, creditor-decision, modification, supervision and termination rules? |\n| H058 D | NI DRO complete procedure | What are current NI DRO eligibility, excluded debts, assets, income, applications, reviews, moratorium and discharge rules? |\n| H059 D | NI bankruptcy complete procedure | What are the current NI petition, adjudication, trustee, estate administration, restrictions and discharge rules? |\n| H060 D | Other NI statutory debt mechanisms | Which administration orders, compositions, debt remedies or sector-specific arrangements exist independently of IVA/DRO/bankruptcy? |\n| H061 D | Statutory filing forms and costs | Which exact NI court/agency forms, filing charges, professional expenses and cost allocations apply at their effective dates? |\n| H062 D | Distribution, discharge, surviving debt and tax | Which liabilities remain, how are proceeds distributed, when does discharge occur and what tax consequences follow? |\n| H063 D | A098 foreign exchange and currency | Which currency governs each obligation, exchange conversion, payment, settlement and court calculation? |\n| H064 D | A098 foreign contracts and governing law | Which contractual choice-of-law and mandatory protection rules determine rights under an international debt contract? |\n| H065 D | A098 cross-border insolvency | When and how may an NI insolvency procedure be recognised abroad, or a foreign process be recognised in NI? |\n| H066 D | A098 foreign judgments | Under what statutory/treaty/common-law route can a foreign judgment be recognised or enforced in NI, and vice versa? |\n| H067 D | A098 relocation and offshore assets | How do change of residence, overseas income, assets, creditors and foreign collection affect rights and jurisdiction? |\n| H068 D | Local, sector and professional overlaps | What additional NI consumer, solicitor, accountant, financial-promotion, property, mortgage, tax or contractual duties apply to a precisely identified non-gateway issue? |\n| H069 X | All other countries and UK local regimes | Those are not adopted here. What separate jurisdiction-specific authorisation and solution rules apply if another jurisdiction is independently assigned? |\n\nH inventory count: 69 rows: 68 deferred and 1 expressly outside this jurisdiction's scope. No H row is considered answered by a citation from the gateway research.\n\n## Currentness, uncertainty and integrity holds\n\nThe most consequential remaining gaps are explicit:\n\n1. U01 — RAO consolidation through 26 October 2026. The whole readable Part II was a 15 July 2025 version, supplemented by 2026 article-specific texts and FCA guidance. The attempted July 2026 whole-Part II and article 39D reads failed; therefore, not every post-July-2025 amendment to 39D–39L can be certified.\n2. U02 — Current full NI Insolvency Order. Current complete body and selected article fetches failed or returned unsupported XHTML. This does not mean missing law. The 2010, 2016, 2025 and 2026 primary amendments were read, with operative dates and savings separated.\n3. U03 — NI DRO intermediary rules after the FCA transfer. The 2011 regulations' historic consumer-credit-licence language needs an express contemporary statutory/interpretive reconciliation. It cannot simply be treated as a valid present-day OFT licence requirement.\n4. U04 — Exhaustive present NI insolvency RPB list. The 2025 Law Society statutory revocation and the Department's Chartered Accountants Ireland notice are established. The remaining organisations and every licence class require a fully amended S.R.1991/301 schedule; the linked modern lists are not exhaustively body-read.\n5. U05 — Current designated-professional-body rules. An FCA Annex identifying a designated body does not establish that a particular solicitor/accountant firm meets every FSMA s.327 condition, nor that a debt-settlement service is incidental and allowed.\n6. U06 — Particular payment services. FCA PERG 15 materially narrows assumptions about ancillary DMP payments. A stand-alone money-transfer model still requires analysis of the fully updated payment regulations and its business facts.\n7. U07 — Individual case capacity and territorial fact pattern. No provider, borrower, practitioner, licence, appointment, contract, judgment, payment account or cross-border transaction was examined. No conclusion depends on invented facts.\n8. U08 — Other restricted sectors. Mortgage-specific, solicitor-conduct, tax-advice, housing, collection and insolvency-procedure regimes remain deliberately bounded off.\n\nTwo additional statutory nuances are worth retaining when this work is continued:\n\n- RAO article 36C excludes certain 36A(1)(d)–(f) no-fee credit-broking activities, with “fee” including other financial consideration; its wording does not necessarily exclude 36A(1)(a)–(c) introductions. This qualification belongs with C006, supported by S003 arts.36A/36C. legislation.gov.uk\n- RAO article 39I has a specific exclusion for a relevant energy supplier acting in that capacity in relation to an associated Green Deal plan, and 39J deals only with its specified mortgage/home-purchase overlap to the extent the activity is otherwise regulated. Neither is a blanket exclusion for utility or secured debt. This further confines C015/C050, supported by S003 arts.39I–39J. legislation.gov.uk\n\n### Final self-check and acceptance disposition\n\n| Required deliverable | Visible result |\n| --- | --- |\n| Primary browsing/body reads | Yes, UK Acts/SIs, FCA Handbook, NI Acts/SRs and Department pages; precise failures and limited attachments identified |\n| Source register | 36 numbered S001–S036, direct literal URLs, provisions, applicable dates, jurisdiction, read status and PDF indices where relevant |\n| Atomic claim register | 50 numbered C001–C050, with scoped predicates, exclusions, consequence, primary-source pinpoint and confidence |\n| A–G coverage | 95 rows |\n| H deferred inventory | 69 rows |\n| Total visible coverage rows | 164 |\n| Four or more scenarios | Eight bounded hypotheticals, each containing facts, tests, responsible gateway, missing facts, adverse branch and verification documents |\n| At least two sourced quantitative examples | FCA 2026 application-category charges, two CONC10 computations, NI 2025 IP bond and 2027 saving |\n| Actual person/provider/consumer/firm verification | None |\n| Publication, external contact, filing, purchase, website or file alteration | None |\n| Reliance on failed/unreviewed other-country research | None |\n| Independent second-person review or all-law certification | None claimed |\n\nArithmetic correction to the earlier A–G status line: Recounting each displayed row gives 64 answered, 28 partial, 1 unresolved and 2 deferred, totaling 95. Adding H yields 64 answered, 28 partial, 1 unresolved, 70 deferred and 1 outside scope, totaling 164. This corrects the interim 69/23 status split without changing any underlying row or finding.\n\nDisposition: C_NI PASS-01 submitted as a first narrow independent provider-classification and authorisation investigation, with the specified holds. It is not an independent review, a complete Northern Ireland country report, approval of a particular provider or a determination of any consumer remedy. Parent, A097 and A098 acceptance remain held. The broad root-country assignment remains unlaunched.\n\nEND C_NI PASS-01.\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actual service or feature","Operative test","Preliminary classification, including adverse branch","Claims"],["Negotiating lower balances or repayment terms for a borrower","RAO 39D(1): negotiating with lender on borrower’s behalf concerning discharge of a credit-agreement debt, taking over discharge obligations for payments, or analogous liquidation activity","Potential debt adjusting. An agreed lump-sum settlement is not necessarily outside the activity simply because no monthly debt-management plan exists. Check precise exclusions.","C002, C016"],["Similar negotiation for a hirer","RAO 39D(2); underlying consumer-hire agreement","Also potentially debt adjusting, although the product is hire rather than a loan.","C002"],["Advising a borrower to pay, compromise or otherwise liquidate a particular credit debt","RAO 39E(1)","Potential debt counselling even without negotiations, custody of funds, or a signed plan. A free first meeting does not, by itself, settle the “by way of business” inquiry.","C003, C009"],["Advising a hirer about a specific consumer-hire debt","RAO 39E(2)","Potential debt counselling, separately tested.","C003"],["General budgeting, factual explanations or an impersonal educational article","Advice about liquidation of a specified borrower’s covered debt? See FCA PERG 17","May be outside 39E if genuinely general information. Personalized selection of a debt strategy can change the answer. “Educational software” is not itself an exemption.","C043"],["Collecting debts for creditors","RAO 39F and exclusions","Debt collecting is a distinct creditor-side activity; not synonymous with borrower-side 39D. Applicable debt type, creditor status, and exclusions matter.","C004, C016"],["Exercising or enforcing a lender’s/owner’s rights on its behalf","RAO 39G","Potential debt administration. Merely administering a borrower’s repayment budget is not automatically 39G.","C005"],["Referring someone to a consolidation loan or presenting a new credit product","RAO 36A, depending on the introduction, borrower, intended agreement, and exemptions","Potential credit broking. A referral solely to obtain existing-debt advice is not automatically credit broking.","C006"],["Helping correct credit-report information","RAO 89A credit-information services","A separate possible regulated activity; the exact acts and exceptions must be established.","C007"],["Agreeing to provide one of the regulated services later","RAO 64 where applicable","An agreement to perform a covered regulated activity can itself require analysis.","C008"],["Holding or forwarding debtor payments","RAO debt activities plus Payment Services Regulations 2017, if applicable","Payment-service authorisation is not automatic for an ordinary ancillary debt-management-plan distribution; an independently operated money-remittance business may cross another gateway.","C026–C027"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Result at this gateway","Missing fact that could change it"],["Individual borrowing personally","Normally the clearest potential credit-agreement borrower within articles 39D/39E. Not every individual debt is a credit-agreement debt. [C011–C012]","Original contract, creditor identity, debt source and advice actually delivered"],["Sole trader","May be an “individual” borrower notwithstanding business purpose. A business-purpose exemption from lender regulation under article 60C is not automatically an exemption from 39D/39E, whose wording uses “credit agreement.” [C011–C013, C049]","Whether borrower is individual; loan amount, business purpose, date and nature of agreement"],["Small partnership/unincorporated organisation","The statutory definition of relevant recipient of credit can include a partnership of two or three persons, and specified small unincorporated bodies; it does not mean every partnership. [C011]","Constitution, partners, borrower named, whether relevant statutory definition met"],["Incorporated company owing its own trading debt","Company borrowing ordinarily does not satisfy the article 60B individual/relevant-recipient formulation. Do not infer an FCA 39D/39E licence is required for that corporate debt solely from this category. [C011–C012]","Is a human also borrower, guarantor or party to a separate credit agreement? Other regulated activity?"],["Joint borrowers","Each person legally designated borrower may trigger the borrower-facing test. [C014]","Signed agreement and allocation of contractual obligations"],["Guarantor or family member paying for someone else","Status as payer or guarantor does not automatically make that person the statutory borrower receiving 39E advice. Conversely, an adviser representing the actual borrower may be conducting 39D. [C014]","Guarantee, borrower identity, agency and advice recipient"],["Personal secured loan","Security alone does not remove the debt from analysis. Mortgage/home-finance overlaps and RAO 39J require separate classification. [C015]","Land security, first/second charge, mortgage-regulated status and loan terms"],["Hire purchase/consumer hire","Examine both credit and consumer-hire limbs; distinguish owner’s rights, hirer’s debt and any regulated hire exceptions. [C002–C005]","Hire agreement, owner, hirer and activity"],["Credit agreement exempt from the lender’s Part 14A regime","RAO 60B(3) defines “credit agreement” separately from “regulated credit agreement”; 39D/E use the former. It is therefore unsafe to equate exempt agreement with unregulated debt advice. [C012–C013]","Specific exemption, 39H/39J/other exclusions, agreement date"],["Rent arrears, rates, income tax, fines, utilities, support arrears or ordinary trade invoices","No automatic 39D/39E classification solely from these debt labels. Other UK/local legal gateways could still be relevant. [C012, C050]","Did any obligation actually arise under a covered credit/hire agreement, or is there another regulated transaction?"],["Mixed debts","Classification is activity-by-activity and debt-by-debt. One credit-card debt may make a portion of a proposed paid service regulated even where accompanying tax/rent advice is not 39E. [C003, C012]","Schedule matching each obligation to its governing instrument"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or asserted status","Actual legal route or exclusion","What is not established","Claims"],["Paid private settlement negotiator","FCA Part 4A permissions for relevant RAO activities unless an actual exclusion/exemption applies","A Companies House or ordinary business registration is not permission.","C001–C003, C023"],["Paid DMP operator","Usually investigate debt adjusting and counselling, precise FCA permission and any DMP restriction; CONC 10 resources if within application","“Authorised” without corresponding specific activity and restrictions is not enough.","C023–C024"],["Charity/not-for-profit debt adviser","The Carrying on Regulated Activities by Way of Business Order 2001, art. 3E, expressly treats qualifying not-for-profit bodies undertaking specified non-occasional debt adjusting, counselling and credit-information services as operating by way of business. Constitution/public-purpose/no-distribution predicates matter.","“Free,” “charity” or “no debtor fee” is not a blanket FCA exemption. [C010, C017]","C010, C017"],["Infrequent nonprofit assistance","Article 3E(2) excludes activities carried on only occasionally from that deeming provision","This is not a declaration that every occasional case is free of all other statutory tests.","C010"],["NI district council acting itself","RAO 72G local-authority exclusion applicable to articles 39D–39G; RAO art. 3 defines local authority for NI as a district council","Neither every “government-funded” organisation nor every council affiliate is automatically within the precise statutory exclusion.","C018"],["Public advice department or agency that is not an NI district council","Identify the exact statutory personality, function and any specific exemption","“Public sector” does not itself equal RAO 72G.","C018"],["NI solicitor acting in litigation/advocacy","RAO 39K excludes relevant barristers and solicitors acting in specifically described advocacy/litigation capacities","General non-litigious commercial debt settlement is not universally excluded merely by a solicitor practising certificate.","C019"],["Solicitor/accountant firm providing incidental regulated services","FSMA Part XX, especially s.327, and designated-body rules under ss.326/332 may provide exempt professional firm status if all conditions hold: professional membership/control, complementary/incidental activity, approved body rules, treatment of outside reward, and any restrictions/directions.","A professional title alone is insufficient. Law Society NI's role as an FSMA designated professional body must not be confused with its former NI insolvency-practitioner recognising role.","C020, C034, C047"],["Creditor collecting or restructuring its own claim","Specific RAO 39H lender/owner/supplier exclusions for certain 39D–39G acts, alongside lender-rights rules under 60B and exceptions such as the 39H(1A) debt-collecting qualification","A third-party collector or independent debt purchaser cannot rely on a broad “creditor exemption” without testing the legal capacity.","C016"],["Debt buyer, servicing firm or collection agency","Examine rights acquired, whether acting for lender/owner, article 39F, 39G, 60B(2) and 39H conditions","Creditor-side activity does not prove borrower-side counselling permission.","C004–C005, C016"],["Pure information publisher or software vendor","No activity-based exemption merely because delivery is electronic. Examine functionality, influence on a particular debtor’s decision, operator and benefit.","“AI,” “self-service” or “referral website” is not an FCA-authorised class.","C006–C008, C043"],["Payment-only distributor","First distinguish ancillary distributions under a DMP from payment service independently carried on as a business under the 2017 Payment Services Regulations","Neither universal payment-service licensing nor universal exclusion can be inferred.","C026–C027"],["Statutory insolvency practitioner","RAO 72H excludes certain activities while acting as an insolvency practitioner; a narrower prospective-appointment exclusion covers 39D, 39E and 89A in reasonable contemplation of appointment.","The same practitioner's separate retail debt-negotiation venture cannot use a general lifelong exclusion.","C021, C047"],["Appointed representative (AR)","FSMA s.39 and FCA SUP 12 where an eligible activity is covered by a principal's agreement and corresponding permission, with principal responsibility","AR status for an unrelated permission does not cover debt adjusting. Verify scope and FCA listing.","C022"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Sourced gateway example","Computation or amount","Crucial limit"],["2026 FCA Part 4A application fee, FEES 3 Annex 1/1A","CC2 debt adjusting/counselling in the restricted category 3: £1,130; broader category 6: £11,260 (Annex 1A effective 2 July 2026)","Only if the applicant fits that category. No customer fee is stated or implied; multiple-activity and special-classification rules may alter an application. [C025]"],["CONC 10 prudential resources, £2 million relevant debts under management","£2,000,000 × 0.25% = £5,000; compare £5,000 floor ⇒ £5,000","Applies only to covered firms/debts; not £5,000 held for each customer. [C024]"],["CONC 10 prudential resources, £10 million relevant debts under management","First £5m × 0.25% = £12,500; next £5m × 0.15% = £7,500; total £20,000","If another regulated activity imposes higher prudential resources, use the higher requirement. [C024]"],["NI insolvency practitioner bond, general penalty sum","2025 amendment substitutes £750,000 for £250,000","Transitional saving: qualifying bond issued and practitioner appointed before 1 January 2027 can remain under prior terms. Fraud/dishonesty bond cover—not a universal debtor refund or guarantee. [C040]"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Hypothetical nexus","Narrow decision"],["NI firm advising NI borrower by telephone","Test UK regulated activity and precise RAO permission/exclusion; medium is not a safe harbour."],["Firm elsewhere in the UK soliciting NI customers","UK-wide FCA perimeter may apply, but local NI statutory solution roles remain a separate legal test."],["Overseas firm with no NI premises selling paid, tailored advice into NI","Do not infer “outside FCA jurisdiction.” Assess where conduct occurs, UK connection, actual FSMA territorial construction and any specific exemption. RAO article 72 overseas-person exclusions are not a blanket exclusion from debtor-side 39D/39E."],["NI company advising debtors abroad","The NI establishment can supply a UK nexus; a foreign client's residence does not by itself cancel the UK test. Foreign local licensing is deferred to A098."],["Offshore marketing affiliate or call centre","Identify which legal person markets, advises, refers, negotiates, receives commission or money, and who is principal/agent. Treat each activity and jurisdictional connection independently."]]},{"headers":[],"index":5,"links":[{"href":"https://register.fca.org.uk/s/?utm_source=chatgpt.com","text":"FCA Financial Services Register"},{"href":"https://www.fca.org.uk/consumers/fca-firm-checker?utm_source=chatgpt.com","text":"FCA Firm Checker"},{"href":"https://www.economy-ni.gov.uk/services/find-insolvency-practitioner?utm_source=chatgpt.com","text":"insolvency practitioner directory"},{"href":"https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme?utm_source=chatgpt.com","text":"designated competent authorities list"}],"row_links":[[],[],[],[],[{"href":"https://register.fca.org.uk/s/?utm_source=chatgpt.com","text":"FCA Financial Services Register"},{"href":"https://www.fca.org.uk/consumers/fca-firm-checker?utm_source=chatgpt.com","text":"FCA Firm Checker"}],[{"href":"https://www.economy-ni.gov.uk/services/find-insolvency-practitioner?utm_source=chatgpt.com","text":"insolvency practitioner directory"}],[{"href":"https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme?utm_source=chatgpt.com","text":"designated competent authorities list"}],[],[]],"rows":[["Step","Document/fact to obtain hypothetically","Official comparison and decision"],["1. Establish entity","Exact legal name, legal form, any trading names, registered address and the party signing the engagement","Do not check a brand name alone against a regulator entry."],["2. Classify conduct","Who gives advice, negotiates, proposes plan, receives commission, collects money, introduces credit or claims to be an officeholder","Map to RAO 39D/E/F/G, 36A, 89A, or payments/NI insolvency gateway as appropriate. [C002–C008]"],["3. Match debt and recipient","Agreements; named borrower/hirer; guarantor role; original purpose; secured status; debt-by-debt schedule","Confirm the legal subject matter before interpreting “permission.” [C011–C015]"],["4. Verify FCA category","FCA Financial Services Register and FCA Firm Checker","Inspect status, legal entity, permission wording, restrictions, effective periods and, for ARs, principal and covered capacity. Do not treat simple listing as unrestricted approval. [C030, C044]"],["5. Verify NI IVA/bankruptcy practitioner status","Individual's claimed RPB, licence scope and actual statutory appointment","Use the NI Department for the Economy's insolvency practitioner directory, understanding directory completeness/opt-in limitations, and the appropriate authorising body's status evidence. [C032–C035]"],["6. Verify NI DRO adviser capacity","Claimed approved intermediary, its competent authority, and current approval; not merely charity employment","Compare against the Department's designated competent authorities list; the authority's approval of the individual is the further question. [C036]"],["7. Verify cash-flow category","Whether consumer pays creditor directly, through the debt firm, through a third-party payment provider, or via standalone money remittance","Determine the actual payer/payee/service and if a separate payment-services permission/registration must be checked. [C026–C027]"],["8. Keep conclusion conditional","Capacity, permission, exclusions and relevant dates","A regulator listing proves neither creditor agreement to settle, contractual fairness, lawful customer fees, release of debt, nor settlement outcome. [C044]"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Mechanism/capacity","NI source and decision maker","Gateway distinction and currentness"],["Private voluntary repayment/settlement negotiation","Ordinary debtor-creditor negotiation; FSMA/RAO only if covered activities are undertaken","No private “settlement proposal” becomes a statutory NI IVA simply by being called an arrangement. A firm may need FCA permission but not NI IVA nominee status merely to negotiate privately. [C048]"],["Individual voluntary arrangement (IVA)","Insolvency (Northern Ireland) Order 1989, Part VIII, Chapter II; NI High Court and qualified nominee/supervisor according to relevant procedure","An appropriately authorised individual insolvency practitioner is the operative professional route. The older alternative authorised-nominee wording and Article 348A were repealed by the Insolvency (Amendment) Act (Northern Ireland) 2016, Schedule 3/4. Do not resurrect them from an older consolidation. [C031–C032]"],["Debt relief order (DRO)","NI 1989 Order Part VIIA as introduced by the Debt Relief Act (Northern Ireland) 2010: Official Receiver determines order; Article 208U approved intermediary assists in applications under approval from a Department-designated competent authority","An organisation's designation does not by itself mean every staff member is individually approved. There is an express Article 208U restriction on intermediary charges connected with the application; the wider consumer fee dossier is deferred. [C036–C037]"],["Bankruptcy","NI 1989 Order bankruptcy provisions; NI High Court, Official Receiver and appropriately qualified statutory officeholder capacities","No ordinary private debt counsellor becomes a trustee/Official Receiver. Full court petition and trustee powers are deferred. [C038]"],["Fast-track voluntary arrangements","NI 2026 Act s.93, commenced by S.R. 2026 No.180, art.2(2)(n)","Repealed for new cases from 16 October 2026, but s.93(6) expressly preserves cases in which the debtor supplied the specified documents to the Official Receiver before commencement. An older government or statutory index may still display the former route. [C039]"],["Recognised professional body (RPB) authorising an NI insolvency practitioner","NI 1989 Order articles 349/349A/350, as substantially amended in 2016; Department for the Economy recognises/oversees bodies; authorised individual, potentially full or individual-only/companies-only partial authorisation","Check current body recognition and the specific individual's authorisation and case capacity. A generic accountant/solicitor title or RPB trade membership does not suffice. [C032–C035]"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Scenario and known facts","Actual test / provisional result","Missing facts and adverse branch","Decision maker, documents, next read-only check"],["G1. Paid card settlement. An NI company charges customers to telephone credit-card lenders and seek reduced settlements for the cardholders.","Strong potential 39D debt adjusting; any borrower-specific repayment recommendations add 39E. [C002–C003]","Legal borrower, nature of each card debt, full service and any exclusion. “One-off settlement” does not alone defeat 39D.","FCA gateway. Engagement terms, service scripts, agreements, company identity; compare FCA status, 39D/39E permissions and restrictions."],["G2. Free charity debt clinic. An NI charity regularly advises individuals about their named card and hire debts without billing those individuals.","Articles 39D/E if acts occur; business-order art.3E may deem non-occasional covered charity activity by way of business. [C003, C010]","Charity constitution, legal entity, how regularly it advises, actual regulatory route. No customer fee is not exemption.","FCA or valid exemption route. Constitution, funding/benefit, case workflow, exact authorisation/exempt-capacity evidence; check FCA record or governing exemption."],["G3. Solicitor-led negotiations. A practising NI solicitor proposes a non-litigious telephone debt-settlement service as a stand-alone paid offering.","RAO 39K advocacy/litigation exclusion cannot automatically be applied. Test FSMA s.327 professional-firm conditions or appropriate FCA permission. [C019–C020]","Are services genuinely litigation/advocacy or incidental to supervised professional work? Separate remuneration, advertising, body rules, entity structure.","Law Society NI designated professional-body capacity and/or FCA. Practising status, firm structure, activity descriptions, remuneration agreement; compare actual exempt-professional conditions."],["G4. Insolvency practitioner also sells private DMPs. An NI-authorised individual acts as IVA supervisor in one matter but separately markets monthly repayment negotiation to unrelated people.","RAO 72H applies to acts in IP capacity, not automatically to the separate DMP business. [C021, C047]","Which entity contracts, appointments, case files and acts are in which capacity?","NI authorising RPB for statutory office; FCA for separate regulated service. Licence/appointment documents and separate DMP engagements; check both gateways distinctly."],["G5. “DRO approved” staff member. A debt charity appears on an NI competent-authority list, and an employee offers to file a DRO.","Article 208U requires a specifically approved individual through a designated competent authority. [C036]","Whether employee is approved, whether approval remains effective, capacity and restrictions. Organisation listing alone insufficient.","NI designated competent authority / Official Receiver. Organisation designation and individual's approval evidence; use published authority list without making any actual-person query."],["G6. Outside-UK app selling NI debt recommendations. A foreign website accepts an NI customer's debt figures, suggests settlements and takes a referral payment.","FCA PERG 17 helps distinguish factual information from debt counselling; FSMA UK territorial nexus remains fact-sensitive. [C006, C028, C043]","Provider establishment, recipient, where personalised advice occurs, affiliate roles, fee/benefit, debt source. “Foreign site” alone not exclusion.","FCA perimeter plus deferred foreign-law analysis. Product demonstration, terms, referral agreements, operator chart and data flow; match each act to permissions."],["G7. Debt buyer enforces acquired loans. A company buys outstanding borrower receivables and pursues payments for itself, without taking customer debt-advice mandates.","Examine 39H, 39F/G, 60B(2) and acquired lender rights; not automatically 39D. [C004–C005, C016]","Legal assignment, ownership vs servicing, covered agreement, whether collector acts for itself/another.","FCA. Assignment and servicing contracts, product samples, collector's activities; compare permission for exercising lender rights/collecting/administration."],["G8. Payment distributor. A processor receives customers’ instalments and sends them to creditors; it does not advise or negotiate.","Determine whether it independently provides regulated money remittance under the 2017 Regulations or merely performs ancillary DMP distributions under FCA PERG 15.2 Q9. [C026–C027]","Who holds funds, for whose account, source of instructions, business model, contractual status and any separate payment service.","FCA payments gateway where triggered. Flow-of-funds schematic, user contract and processing arrangement; check appropriate payment-institution/agent category rather than assuming a debt-adjusting licence."]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID / status","Issuer, direct official URL and exact portion read","Version/effect; actor, debt and jurisdiction limits"],["S001 B","UK Parliament, Financial Services and Markets Act 2000, original enacted PDF; ss.19–23, 26–29, 39–40, 326–327 and 332. PDF P27–P32, corresponding original printed pp.8–13 for main prohibitions/remedies; P36–P37, printed pp.17–18 for representative/application route. https://www.legislation.gov.uk/ukpga/2000/8/pdfs/ukpga_20000008_en.pdf","As enacted 2000 only, not a reliable modern consolidation. UK including NI, persons conducting regulated activities. Used with current FCA guidance/amending law; original statutory wording is not asserted unchanged in all respects. \nlegislation.gov.uk"],["S002 B","FCA, PERG 2—Authorisation and regulated activities, especially 2.2 prohibition/permission and 2.4, 2.8–2.11 scope/exemption context. https://handbook.fca.org.uk/handbook/perg2?timeline=true","Current FCA Handbook display accessed 26 Oct 2026; relevant interface shows changes through 16 Sept 2026. Guidance (G), UK regulated activities and NI nexus, not a statutory substitute. \nPERG 2 Authorisation and regulated activities"],["S003 B","UK Treasury, Regulated Activities Order 2001, Part II arts.4, 36A, 39D–39L, 60-series references, 64, 72, 72G, 72H, 89A references, detailed exceptions/annotations. https://www.legislation.gov.uk/uksi/2001/544/part/II/2025-07-15/data.html","Official 15 July 2025 point-in-time consolidated body. UK except express geographic limits; credit agreements/hire and regulated services. July–Oct 2026 Part II whole-part consolidation was unavailable, so amendment completeness after that date is held. \nlegislation.gov.uk"],["S004 B","UK Treasury, same RAO, article 3 interpretation, including NI local authority and insolvency-practitioner cross-references. https://www.legislation.gov.uk/uksi/2001/544/article/3/2026-02-25/data.html","25 Feb 2026 point-in-time body, UK/NI definition branch; does not certify all changes after selected date. \nlegislation.gov.uk"],["S005 B","UK Treasury, same RAO Part II Ch.14A, arts.60B and 60C(1)–(8), credit/regulated credit and business-purpose exemptions. https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","15 July 2026 point-in-time body, individual/relevant recipient of credit; distinguishes borrower and lender permissions from debt-counselling activities. \nlegislation.gov.uk"],["S006 B","UK Treasury, S.I.2013/1881, Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013: art.1(2)–(6), arts.3–5, art.13 inserting business-order art.3E, art.60 grandfathering. PDF P0–P3 printed pp.1–4; P31–P32 printed pp.32–33; P68 printed p.69. https://www.legislation.gov.uk/uksi/2013/1881/pdfs/uksi_20131881_en.pdf","As-made enactment, central operative date 1 April 2014 subject to preparatory/transitional commencement. Historical group-licence provisions not general 2026 permission. UK including NI. \nSI20130726rvsdRAONo2130725"],["S007 B","FCA, PERG 2.3.1–2.3.3 “The business element”; nonprofit art.3E, occasional business and case factors. https://handbook.fca.org.uk/handbook/perg2/perg2s3","FCA G, current displayed version last updated 16 Sept 2026, future version indicated for 2027 (not yet operative). UK covered actors. \nPERG 2.3 The business element"],["S008 B","FCA, PERG 17.2 basic debt-counselling elements, borrower, particular credit debt and advice. https://handbook.fca.org.uk/handbook/perg17/perg17s2","FCA G, current interface viewed; UK including NI, particular credit/hire debt advice. \nhandbook.fca.org.uk"],["S009 B","FCA, PERG 17 consolidated consumer-credit debt-counselling questions and examples, general information versus borrower-specific assessment. https://handbook.fca.org.uk/handbook/perg17","FCA G, 26 Oct 2026 access; UK covered debt advice. Guidance examples cannot settle unspecified software behaviour. \nPERG 17 Consumer credit debt counselling"],["S010 B","FCA, PERG 2.4, link between regulated activities and the UK. https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true","FCA G, displayed current at access; UK territorial operation, overseas and NI services. No foreign-state licensing certification. \nhandbook.fca.org.uk"],["S011 B","FCA, SUP 12, appointed representatives: responsibilities, contractual scope, oversight and relevant registration. https://handbook.fca.org.uk/handbook/sup12","Current FCA Handbook section as accessed; R/G depending provision. AR/principal route for activities lawfully eligible; UK including NI. \nSUP 12 Appointed representatives"],["S012 B","FCA, PROF 2.1.1–2.1.14, FSMA ss.326–329, 332 professional-firm gateway and restrictions. https://handbook.fca.org.uk/handbook/prof2/prof2s1","FCA G; display last updated 23 Oct 2025 (subrules have own dates). UK designated professional bodies and regulated incidental services. \nhandbook.fca.org.uk"],["S013 B","FCA, PROF 2 Annex 1.1, designated bodies including Law Society of Northern Ireland and accountancy bodies. https://handbook.fca.org.uk/handbook/prof2/prof2s2?timeline=true","FCA G annex updated 6 July 2006; historic designation list—current applicability also conditional upon statutory/body rule changes. Not the NI insolvency RPB roster. \nhandbook.fca.org.uk"],["S014 B","FCA, FEES 3 Annex 1, Part 2 activity groups CC1/CC2; Annex 1A pricing categories; FEES 3.2. https://handbook.fca.org.uk/handbook/fees3","Binding R fee provisions; Annex 1A last updated 2 July 2026: category 3 £1,130, category 6 £11,260. Application fees only, subject to category/other rules; UK including NI. \nhandbook.fca.org.uk\n+1"],["S015 B","FCA, CONC 10.1.1–10.1.6, 10.2.1–10.2.14, prudential-resource application, £1m nonprofit test, formula, £5k minimum, professional exception. https://handbook.fca.org.uk/handbook/conc10","Binding R versus marked G. Chapter shows last update 1 July 2014; current interface accessed 26 Oct 2026. Applicable UK debt-management firms including NI; not every debt adviser. \nhandbook.fca.org.uk\n+1"],["S016 B","UK Treasury, Payment Services Regulations 2017, regs.2, 4–5; Sch.1 Part 1 para.1(f), Part 2; Sch.3. PDF, P11–P14 printed approximately pp.12–15; P93–P96 printed pp.94–97 for capital/own funds. https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","As-made 2017, later changes not comprehensively consolidated here. Payment institutions, stand-alone remittance and exclusions; UK including NI. Not an automatic classification for DMP transfers. \nlegislation.gov.uk"],["S017 B","FCA, PERG 15.2 Q9, Q11–Q11B, payment activity as a business in its own right, ordinary ancillary DMP examples and dual FSMA/payment capacities. https://handbook.fca.org.uk/handbook/perg15/perg15s2","FCA G current accessed page; UK payment-service providers, including NI; fact-sensitive exception, not unconditional authorisation. \nPERG 15.2 General"],["S018 B","FCA, Apply to become an electronic money or payment institution, application/registration gateway. https://www.fca.org.uk/firms/apply-emoney-payment-institution","FCA official page current accessed 26 Oct; webpage last-updated marker 20 Aug 2026. Payment providers, not every debt firm; procedural costs/details outside narrow pass. \nFCA"],["S019 B","FCA, Safeguarding requirements for EMIs and payment institutions, scope of payment-institution safeguards. https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements","FCA official page current at access; includes 2026 material, but no full client-money/safeguarding audit undertaken. UK including NI when payment gateway actually applies. \nFCA"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID / status","Issuer, direct official URL and exact portion","Version/effect; actor, debt and jurisdiction limits"],["S020 F/I","UK legislation publisher, Insolvency (Northern Ireland) Order 1989, S.I.1989/2405 (N.I.19), attempted full contemporary revision and narrower arts. 3, 208U, 227–236, 348–350. https://www.legislation.gov.uk/nisi/1989/2405/2026-06-25/data.html","26 Oct 2026 full-body fetch failed (timeout); separate article pages produced unsupported XHTML. Search-index extracts of 349 and 208U were viewed but not treated as body-read. Historical and subsequently amended text separately supported by S021–S032. This is an explicit current-consolidation gap. \nInternal Error\n+2"],["S021 B","NI Assembly, Insolvency (Amendment) Act (Northern Ireland) 2016, ss.14–17; Schedule 2 transition paras.11–16; Schedule 3 paras.4–15; Schedule 4 repeal of arts.348A/351–354. PDF P13–P17, printed pp.10–14; P40–P44, printed pp.37–41. https://www.legislation.gov.uk/nia/2016/2/pdfs/nia_20160002_en.pdf","Enacted 29 Jan 2016; substantive provisions commenced separately, notably 2016 officeholder reform and repeal. NI only; authoritative amended statutory wording, not proof that every provision was effective at Royal Assent. \nlegislation.gov.uk\n+1"],["S022 B","NI Assembly, Debt Relief Act (Northern Ireland) 2010, s.1 introducing 1989 Order Part VIIA; arts.208A–208E and 208U, especially intermediary and competent authority. PDF P1–P4 printed pp.1–4; P15–P17 printed pp.15–17. https://www.legislation.gov.uk/nia/2010/16/pdfs/nia_20100016_en.pdf","As enacted 2010; commenced by separate instruments, not assumed immediately effective. NI DROs only. Later threshold/qualification amendments not audited in this narrow gateway. \nFront Cover of Act.doc\n+1"],["S023 B","NI Department, Debt Relief Orders (Designation of Competent Authorities) Regulations (Northern Ireland) 2011, regs.2–10: designation, fit/proper body, restricted designation, individual intermediary approval, training/insurance/documents. PDF P0–P5, printed pp.1–6. https://www.legislation.gov.uk/nisr/2011/15/pdfs/nisr_20110015_en.pdf?wrap=true","As-made 2011. References to historic consumer-credit licensing require 2014/current-law reconciliation. NI DRO competent authorities and individual intermediaries. \nN4713_floating.doc\n+1"],["S024 B","NI Department for the Economy, Debt Relief Orders, discussion of Official Receiver, approved advisers and agency role, especially page sections “What is a debt relief order?” and “More information.” https://www.economy-ni.gov.uk/topics/debt-relief-orders","Live NI agency page accessed 26 Oct 2026; may include newer product eligibility thresholds not adopted in P01. NI public guidance, not a substitute for individual approval. \nDepartment for the Economy"],["S025 B","NI Department for the Economy, List of competent authorities in relation to the debt relief scheme, publication metadata and designated-organisation document link. https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme","Published 26 May 2015, last updated 22 Apr 2024. Page body-read, linked Word attachment not body-read. Thus names/completeness of the current list are not certified. \nDepartment for the Economy"],["S026 B","NI Department for the Economy, S.R.2025 No.170, Insolvency Practitioners (Recognised Professional Bodies) (Revocation of Recognition) (No.2) Order (NI), arts.1–2. PDF P0–P1, printed pp.1–2; explanatory P2, printed p.3. https://www.legislation.gov.uk/nisr/2025/170/pdfs/nisr_20250170_en.pdf","Effective 5 Nov 2025; removes Law Society of NI from NI insolvency RPB schedule. Not an FSMA s.326 designation repeal. \nlegislation.gov.uk"],["S027 B","NI Department for the Economy, Insolvency Service notice—revocation of recognition of the Institute of Chartered Accountants in Ireland as an RPB, paragraphs about art.350N and effective date. https://www.economy-ni.gov.uk/articles/insolvency-service-notice-revocation-recognition-institute-chartered-accountants-ireland-recognised-professional-body-economy-0","NI Department notice: 19 Feb 2025 effective; describes move of authorisations. The corresponding S.R.2025 No.19 was not separately body-read, a narrower evidentiary limit. \nDepartment for the Economy"],["S028 B","NI Department for the Economy, Insolvency Service notice—Law Society NI RPB recognition revocation, art.350N notice/reasons. https://www.economy-ni.gov.uk/publications/insolvency-service-notice-revocation-recognition-law-society-northern-ireland-recognised-professional-body","Dated 5 Nov 2025; confirms practitioner transition, distinct from FCA designated-professional status. NI specific. \nDepartment for the Economy"],["S029 B","NI Department, Insolvency Practitioners Regulations (Northern Ireland) 2006, especially regs.2, 6–10, 12 and Sch.2 paras.1–3. PDF P2–P5, printed pp.3–6; bond P11–P13, printed pp.12–14. https://www.legislation.gov.uk/nisr/2006/33/pdfs/nisr_20060033_en.pdf","As-made 2006, professional fitness/training and original £250k general-bond term; substantially amended after 2006, including S030. Historic officeholder qualification references cannot supersede 2016 reforms. \nN2491_floating.doc\n+1"],["S030 B","NI Department for the Economy, S.R.2025 No.177, Insolvency Practitioners (Amendment and Transitional Provisions) Regulations (NI) 2025, regs.1, 3–6, Sch.2 substituted bond terms. PDF P0–P3, printed pp.1–4. https://www.legislation.gov.uk/nisr/2025/177/pdfs/nisr_20250177_en.pdf","Operative 9 Dec 2025 with pre-1 Jan 2027 bond/appointment saving. NI IP fraud/dishonesty security, £750k prospective general penalty sum, not consumer-money guarantee. \nlegislation.gov.uk\n+1"],["S031 B","NI Assembly, Insolvency (Amendment) Act (NI) 2026, Part 8, s.93(1)–(6) repeal of fast-track voluntary arrangements and existing-case saving. https://www.legislation.gov.uk/nia/2026/6/part/8/data.html","Royal Assent 24 June 2026 is distinct from substantive commencement. NI s.93 commenced 16 Oct 2026 by S032. No PDF pagination for this HTML section. \nlegislation.gov.uk"],["S032 B","NI Department for the Economy, S.R.2026 No.180, Insolvency (Amendment) (2026 Act) (Commencement No.1 and Transitional Provisions) Order (NI) 2026, arts.2(1)–(2)(n),(s), 3–5. https://www.legislation.gov.uk/nisr/2026/180/made/data.html","Made 15 Oct, relevant provisions in force 16 Oct 2026; other provisions expressly future or commenced for preparatory/delegated purposes only. NI, no PDF pages for HTML. \nlegislation.gov.uk"],["S033 B","FCA, FCA Firm Checker, guidance for confirming permitted financial service identity. https://www.fca.org.uk/consumers/fca-firm-checker","Public official guidance accessible 26 Oct 2026; consumer read-only lookup workflow described, not performed. UK including NI. \nFCA"],["S034 B","FCA, Financial Services Register, listing types and status/permissions information. https://www.fca.org.uk/firms/financial-services-register","Official register guidance accessed 26 Oct 2026. No person/firm record was queried. Registration and authorisation classes are not interchangeable. \nFCA"],["S035 B","NI Department for the Economy, Find an insolvency practitioner, official directory search description. https://www.economy-ni.gov.uk/services/find-insolvency-practitioner","Live webpage accessed 26 Oct 2026; no search undertaken. Directory results may not by themselves establish officeholding in a particular case. \nDepartment for the Economy"],["S036 B","NI Department for the Economy, Statement of Insolvency Practice 3.1—Individual Voluntary Arrangements, introductory official description of IP as adviser/nominee/supervisor. https://www.economy-ni.gov.uk/publications/sip-31-individual-voluntary-arrangements","Page published 1 July 2014; page body read, linked SIP PDF not read. This supports the NI IVA role distinction only; not a full 2026 procedures/conduct statement. \nDepartment for the Economy"]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Exact assertion; required predicate or exception; consequence","Direct source and pinpoint","Confidence / limit"],["C001","A person carrying on a regulated activity in the UK needs appropriate authorised or exempt status under FSMA s.19, where the statutory elements apply.","S001 s.19, S002 PERG 2.2, S003 art.4","H; exemptions/territory remain case-specific."],["C002","Negotiating discharge of a credit-agreement borrower's debt for that borrower, assuming business conduct and no exclusion, falls within RAO 39D(1); the specified consumer-hire equivalent falls under 39D(2).","S003 art.39D(1)(a)–(c),(2)(a)–(c)","H for activity words; 2026 whole-chapter cutoff M."],["C003","Advice about liquidation of a debt to a borrower under a credit agreement, or hirer under consumer-hire agreement, is specified in 39E(1)/(2); fact-specific advice must be distinguished from information.","S003 art.39E(1)–(2); S008 PERG17.2","H/M."],["C004","Obtaining payment of certain covered obligations for a creditor, rather than counselling the debtor, invokes 39F, subject to express limitations/exclusions.","S003 art.39F(1)–(3), 39H, 39L","H/M; particular debt/actor required."],["C005","Performing duties or exercising/enforcing lender/owner rights for that lender/owner invokes 39G, not merely managing the debtor's personal budget.","S003 art.39G(1)–(3)","H/M."],["C006","Introductions, offers or preparatory work directed to entry into qualifying credit/hire agreements may be 36A credit broking; existing-debt referrals alone are not automatically 36A.","S003 arts.36A(1)–(4), 36B–36F","H/M; fee/exclusion distinctions preserved."],["C007","Performing an act defined as providing credit-information services is a separate potential regulated activity under 89A; “credit repair” marketing alone is not a sufficient legal classification.","S003 arts.39L/72H references, 89A","M; full fact-specific 89A exclusions not closed."],["C008","An agreement to carry out a specified regulated activity can itself fall within RAO 64 where its conditions apply.","S003 art.64 and adjacent exclusions","M; requires exact promised activity."],["C009","Credit-related activities entered the FCA regime through the 2013 amendment order, with the principal commencement 1 Apr 2014, not the order's 2013 publication date.","S006 arts.1(2)–(6), 3–6; S007 PERG2.3.2","H."],["C010","Qualifying not-for-profit bodies doing non-occasional debt adjusting, counselling or credit-information service are treated as carrying on business under business-order 3E; the occasional-only proviso limits that deeming rule.","S006 art.13, inserted 3E(1)–(4); S007 PERG2.3.2(3B)","H, constitution and frequency must be tested."],["C011","Credit agreement's borrower definition concerns an individual or relevant recipient of credit; a qualifying small partnership/unincorporated body may count, an ordinary incorporated company's own debt ordinarily does not.","S003 arts.60B(3), 60L(1); S005 60B(3)","H/M; inspect organisational form and agreement."],["C012","RAO 39D/39E say credit agreement, while 60B(3) differentiates regulated credit agreement; these terms cannot be interchanged.","S003 39D/E; S005 60B(3)","H text; overlap exceptions still apply."],["C013","Under 60C(3) a credit agreement exceeding £25,000 wholly/predominantly for business is exempt for that chapter; 60C(5)–(6) sets declaration/rebuttal treatment.","S005 60C(1),(3),(5)–(7)","H; not a debt-advice carve-out by itself."],["C014","A guarantor or third-party funder is not automatically the borrower for 39E merely by paying; a signed joint borrower can be the recipient.","S003 39E(1), 60L borrower definitions; S005 60B(3)","M—statutory-role inference; guarantee/agency specifics unresolved."],["C015","Certain mortgage/home-finance overlaps are dealt with through RAO 39J and other activity classifications; security on land is not a universal 39D/39E exclusion.","S003 39J(1)–(3), 39L; S005 60C(2)","M; mortgage product and date required."],["C016","39H provides role-specific lender, owner, supplier and other exclusions with limits, including the 39H(1A) qualification; a generic creditor or debt-buyer label is insufficient.","S003 39H(1)–(3), 39F/G; S005 60B(2)","H/M."],["C017","“Charitable,” “free consultation” and “no debtor fee” do not themselves disapply 39D/39E: business and precise exemption tests remain necessary.","S006 art.13 / 3E; S007 PERG2.3.2–2.3.3","H, no blanket exemption."],["C018","NI district council qualifies as RAO's “local authority” under art.3 and 72G excludes described local-authority acts from 39D–39G; other public bodies must establish their own basis.","S004 art.3 definition; S003 72G(1)–(3), 39L","H/M, actor identity essential."],["C019","RAO 39K concerns specified barrister/solicitor acts in advocacy/litigation capacities including NI solicitor branch; general non-litigious service is not automatically excluded.","S003 39K(1)–(3)","H/M, service-specific."],["C020","FSMA s.327 professional exemption requires compliance with designated-body rules, incidental/complementary professional service and financial benefit conditions, subject to 328/329 restrictions.","S001 ss.326–329, 332 as enacted; S012 PROF2.1.3–2.1.14; S013 Annex1","H FCA guidance; individual body-rule check held."],["C021","RAO 72H(1)–(3) excludes stated acts as insolvency practitioner; reasonable contemplation of appointment has narrower specified 39D/39E/89A scope.","S003 72H(1)–(3), 39L; S015 CONC10.2.10G","H/M, actual appointment/capacity required."],["C022","An appointed representative operates through a principal's responsibility and valid contract for eligible specified activities, not independent comprehensive authorisation.","S001 s.39; S011 SUP12","H/M, validate principal, activity eligibility and scope."],["C023","The legal person carrying on in-scope debt adjusting/counselling needs its own appropriate FCA permission unless lawfully excluded/exempt/represented; permission restrictions and DMP scope matter.","S001 ss.19, 40; S003 39D/E; S014 FEES3 Annex1 CC2","H framework, actual firm permission not tested."],["C024","For covered CONC10 firms, prudential requirement is the higher of £5,000 or 0.25% first £5m + 0.15% next £95m + 0.05% above, with higher-other-regime provision.","S015 10.1.1–1.2, 10.2.2–2.10","H, not compensation or segregated client money."],["C025","At the 2 July 2026 pricing schedule, FEES3 CC2 restricted category 3 = £1,130 and broader category 6 £11,260 per relevant application classification.","S014 FEES3 Annex1 Part2 CC2; Annex1A","H on listed categories; combinations/actual applicant require more facts."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Exact assertion; predicates, exception and consequence","Direct source/pinpoint","Confidence / limit"],["C026","A payment operation is within the 2017 PSRs when a specified payment service is carried on as an independent business/regular occupation and not excluded; ordinary ancillary DMP remittance is generally not classified that way in FCA PERG Q9.","S016 regs.2, 4–5, Sch.1; S017 PERG15.2 Q9","H FCA position; contracts/cash flow determinative."],["C027","Independently provided money remittance may require FCA payment-institution authorisation, small-institution registration or another valid category; FSMA permission does not automatically answer that PSR test.","S016 regs.6–14, Sch.1; S017 PERG15.2 Q11–Q11B; S018","M, all exception/threshold branches not comprehensively updated."],["C028","FSMA's “carried on in the UK” link includes NI; provider/consumer/medium/location fact patterns determine reach, and non-UK location is no categorical 39D/39E exemption.","S001 s.19; S002 PERG2; S010 PERG2.4; S003 art.72","M on hypothetical overseas conduct; foreign law deferred."],["C029","Violation of FSMA ss.19/20/23 has statutory regulatory/criminal consequences only on proven elements and exceptions; it does not automatically extinguish creditor obligations.","S001 ss.19–29, especially s.28(9); S002 PERG2.2","H for nonautomatic effect; full remedies deferred."],["C030","FCA provides public firm checker and register; valid confirmation requires matching legal person, active status, activity permission/restriction, and AR/principal where relevant.","S033 FCA checker instructions; S034 FS Register instructions; S011 SUP12","H, no particular listing checked."],["C040","NI IP bond amendment increased general penalty sum to £750,000, subject to S.R.2025/177 reg.6 saving for certain pre-2027 bond/case combinations, to address specified dishonest-loss claims.","S029 Sch.2 para.3 historic £250k; S030 regs.5–6","H, not a settlement-refund promise."],["C041","CONC10 applies to an NFP debt advice body if it held £1m+ client money within last 12 months or projects that level within next 12; qualifying professional-firm exception has specific 50%-income and incidental requirements.","S015 10.1.1(2), 10.1.2(1)–(3)","H, client-money meaning not fully audited."],["C043","Debt-specific personalised advice must be tested against 39E; unpersonalised information may not meet its advice element. Delivery through an algorithm does not itself settle the test.","S003 39E; S008 PERG17.2; S009 PERG17.3–17.6","M; product interactions needed."],["C044","Register listing, FCA authorisation or an insolvency title does not independently establish lawful contract terms, creditor assent, debt release or successful outcome.","S033–S034 register scope; S003 regulated activities; S036 IVA distinct statutory role","H logical limitation, no specific agreement assessed."],["C046","S.I.2013/1881 art.60 had a restricted not-for-profit former group-licence permission route from 1 Apr 2014, only to licence-described activities; old licence alone is not present proof of permission.","S006 art.60(1)–(3); S034 current register","H on historic transition, individual present status untested."],["C047","Being licensed as an NI IP does not automatically authorise unrelated debt-adjusting services outside the 72H capacity; FSMA exemption and NI officeholding are different tests.","S003 72H; S021 s.14 / 349A; S012 PROF2.1","H/M, dual activity details needed."],["C049","Business-purpose exempt credit lending under 60C does not alone remove debtor-side 39D/E where the debt remains due under a “credit agreement”; other specific exclusions may still apply.","S005 60B(3), 60C(3); S003 39D/E/H/J","H on terminology; definitive case outcome held."],["C050","Debt categories like tax, rent, support, rates, fines and ordinary company trade invoices do not become 39D/E credit-agreement debt solely by label, and other legal gateways may remain.","S003 39D/E; S005 60B(3); S009 PERG17","M, other product/sector law deferred."]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Exact assertion; predicates, exceptions and consequence","Direct source/pinpoint","Confidence / limit"],["C031","NI IVA is distinct statutory arrangement under NI 1989 Order Part VIII Ch.II, with statutory nominee/supervisor roles; not any private repayment negotiation.","S020 index only, Part VIII; S021 s.5, Sch.3–4; S036 IVA explanatory text","M; consolidated Order direct body access gap."],["C032","An NI insolvency practitioner must be an individual, qualified/appropriately authorised under reformed 349/349A; full versus individual-only/company-only partial authorisation determines role scope.","S021 s.14(2)–(4), 349A(1)–(5); S029 reg.2/Sch.2 as amended","H for 2016 enactment; complete current RPB roster held."],["C033","NI Department for the Economy supervises statutory recognition of professional bodies under reformed art.350, which authorise individual insolvency practitioners subject to training/fitness/security.","S021 ss.14–17; S029 reg.6–10, read with S030","H/M; current recognition must be verified."],["C034","S.R.2025/170 removed Law Society NI as an NI insolvency RPB effective 5 Nov 2025; separate FSMA designated professional-body listing is not repealed by this instrument.","S026 arts.1–2; S028 departmental notice; S013 PROF2 Annex1","H within distinct statutes."],["C035","NI Department's art.350N notice states Chartered Accountants Ireland NI insolvency RPB recognition ended 19 Feb 2025.","S027 effective-date paragraph, S026 explanatory history mentioning S.R.2025/19","M because S.R.2025/19 not itself body-read."],["C036","NI DRO Official Receiver makes the statutory order; an individual “approved intermediary” under 208U(1) must have approval from a Department-designated competent authority.","S022 s.1, 208C–208E, 208U(1)–(4); S023 regs.3–10; S024","H for statutory roles, current individual designation not checked."],["C037","NI 208U restricts charging debtor for activities connected to a DRO application as an approved intermediary, within the express statutory wording, not a general debt-advice-fee determination.","S022 208U(7)","H for that role only; consumer fee dossier deferred."],["C038","NI bankruptcy involves NI statutory High Court/Official Receiver/trustee officeholder roles, not a generic commercial “bankruptcy adviser” licence.","S021 s.8; 1989 Order references; S029 reg.2","M, full Part IX consolidation and procedure excluded."],["C039","NI 2026 s.93 abolished 1989 Order arts.237A–237G fast-track voluntary arrangement route effective 16 Oct 2026; s.93(6) preserves already-submitted specified cases.","S031 s.93(1)–(6); S032 art.2(1),(2)(n)","H, precise grandfathering predicate retained."],["C042","The 2016 reform repealed NI 1989 Order article 348A and alternate authorised nominee/supervisor wording; a pre-repeal consolidated extract must not be treated as current.","S021 Sch.3 paras.4–15; Sch.4, plus s.27","H on repeal text; commencement annotation cross-check."],["C045","An old NI government list of insolvency RPBs may be stale after 2025 revocations; professional-body designation and current individual licence must be checked separately.","S026–S028 revocation/effective dates, S035 directory","H as dated-list warning; no exhaustive live RPB list claim."],["C048","A negotiated payment compromise is not the NI statutory IVA or DRO merely because parties call it an “arrangement”; NI statutory offices arise under their governing instrument.","S021 IVA amendments; S022 DRO statutory gateway; S036 IVA role description","H for mechanism distinction, no statement of private contract enforceability."]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Material question and answer boundary","Claims; primary sources","Missing evidence and exact next retrieval/question"],["A01 A","Does UK FSMA/RAO apply to covered NI activity? Yes, subject to regulated activity, business, nexus and exceptions.","C001; S001–S003, S010","For a given service: which conduct occurs in the UK? Obtain hypothetical activity map."],["A02 A","What constitutes debtor-side negotiation? RAO 39D, distinct hire branch.","C002; S003 art.39D","Particular authority/agency contract and credit instrument."],["A03 A","What constitutes debtor-specific repayment advice? RAO 39E, credit and hire branches.","C003; S003 art.39E, S008","Specific advice output and legal borrower identity."],["A04 A","Is creditor-side collection the same permission? No; 39F separately defined.","C004; S003 art.39F","Creditor/collector contract and 39H predicates."],["A05 A","Is administering a DMP necessarily debt administration? No; 39G lender/owner rights test.","C005; S003 art.39G","Whose rights/duties does actor exercise?"],["A06 A","Are introductions always credit broking? No; 36A specifies covered credit/hire introductions and exclusions.","C006; S003 arts.36A–36F","Destination product, commission and actual referral role."],["A07 P","Is credit repair a separate permission? 89A potentially; precise subactivity must be established.","C007; S003 art.89A references","Open current RAO 89A/89B and read each exclusion against credit-repair example."],["A08 A","Can agreeing now to perform later matter? Potentially RAO 64.","C008; S003 art.64","Exact engagement promise and whether future act is specified."],["A09 A","What is “by way of business”? Statutory test plus 2001 Business Order, modified by specific activity and nonprofit provision.","C009–C010; S006 art.13, S007","Continuity, scale, commercial benefit and organisational constitution."],["A10 A","Does a fee-free first meeting exempt a paid later service? No automatic exemption.","C017; S007 PERG2.3","Whole sales funnel, indirect consideration and substantive advice."],["A11 A","Are charities/free providers automatically outside? No, art.3E has a non-occasional deeming rule.","C010, C017; S006, S007","Frequency; constitution; actual authorised/exempt legal capacity."],["A12 A","Is an individual borrower included? Yes, for qualifying credit-agreement activity.","C011; S003 60L, S005 60B","Named borrower and underlying debt agreement."],["A13 A","Do sole-trader business debts automatically escape? No; individual borrower and agreement exemptions are distinct tests.","C011–C013, C049; S003, S005","Loan amount, date, business-use declaration, 39H/J overlap."],["A14 A","Which partnerships/unincorporated bodies are relevant? Statutory relevant-recipient definition, not every organisation.","C011; S003 art.60L","Number/type of partners and actual borrower."],["A15 A","Are all corporate company debts covered by 39D/E? No, company-alone branch needs other authority.","C011–C012; S003, S005","Any separate individual borrowing/guarantee or other activity."],["A16 P","Joint borrower, guarantor, third-party payer? Only actual statutory borrower/hirer status decides 39E; beneficiary/agent may matter for 39D.","C014; S003 39D/E, 60L","Current creditor agreement, guarantee and agency facts; reconcile each branch."],["A17 A","Secured/unsecured/hire debts one category? No; hire and home-finance overlaps differ.","C002–C005, C015; S003, S005","Mortgage contract type and security instrument."],["A18 A","Are exempt lending agreements necessarily excluded from advice? No; “credit” versus “regulated credit” text differs.","C012–C013, C049; S003, S005","Apply every relevant 39H/39J and specific contract exception."],["A19 P","Are tax/rent/support/fines/utility bills necessarily FCA debt advice? Not merely by label.","C050; S003, S005","Test actual underlying agreement and any other sector authorisation."],["A20 A","Did consumer-credit perimeter start merely at 2013 enactment? No; substantial transition on 1 Apr 2014.","C009, C046; S006","Historical firm-specific interim permission, if ever relevant."],["A21 P","Is every RAO 39D–39L 2026 amendment independently accounted for? No, 2025 whole-part body and some 2026 narrower provisions read.","C002–C008; S003–S005","Retrieve accessible full amended Part II as at 26 Oct 2026, compare legislative changes after 15 Jul 2025 provision-by-provision."],["A22 A","Is 2026 publication the same as commencement? No; 2026 NI Act and order have separate dated operative provisions.","C039; S031–S032","For additional 2026 sections, read each appointed commencement and saving before asserting operation."],["A23 U","Are there further specialised trade/sector gateways for noncredit debt advice not captured here? Not determined.","C050; S003 scope boundary","Next narrow provider pass: classify any proposed pension, investment, mortgage, housing, tax or immigration advice against its own operative instrument."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Material question and answer boundary","Claims; primary sources","Missing evidence and next question"],["B01 A","Paid commercial debtor-side firm: 39D/E and appropriate FCA route, not a generic debt licence.","C001–C003, C023; S001–S003, S014","Who is the contracting legal person; which permissions?"],["B02 A","Not-for-profit/charity/free advice: no blanket immunity; art.3E.","C010, C017; S006–S007","Is activity occasional only; which entity and authorised/exempt status?"],["B03 P","Government-funded or public adviser: no general “public sector” exemption established.","C018; S003 72G, S004 art.3","What is exact public body and its enabling function?"],["B04 A","NI district council as local authority: 72G specified exclusions.","C018; S003, S004","Is the actor the council itself or a separate subsidiary/contractor?"],["B05 A","Solicitor litigation/advocacy: 39K specific branch.","C019; S003 art.39K","Is actual activity advocacy/litigation?"],["B06 P","Solicitor/accountant non-litigious professional services: conditional FSMA s.327 and body rules.","C020; S001, S012–S013","Read current specific designated body's approved s.332 rules for the service."],["B07 A","Creditor collecting own debt: 39H, regulated creditor/lender-rights branch and exceptions.","C016; S003 39H, S005 60B(2)","Original ownership and whether any work is for another lender."],["B08 P","Debt buyer/acquirer: role and rights can cross 60B(2), 39F/G.","C004–C005, C016; S003, S005","Assignment, servicing, original agreement and exemption predicates."],["B09 A","Independent creditor collector: creditor-side permission distinct from borrower-side counselling.","C004–C005; S003 39F/G","Exact engagement and lender/owner principal."],["B10 A","Referrer/publisher/software: activity and remuneration control, not label.","C006–C008, C043; S003, S008–S009","Actual information/advice interface and referral contracts."],["B11 A","Ancillary DMP payment distributor: not automatically PSR payment business.","C026; S016–S017","Service independence and fund-flow arrangements."],["B12 P","Independent payment remitter: another gateway may apply.","C027; S016–S019","Current PSR authorisation/registration amendments and specific arrangement."],["B13 A","Statutory IP: 72H capacity-limited and separate 349A appointment.","C021, C032, C047; S003, S021","Which individual and case capacity?"],["B14 A","Appointed representative: principal-based s.39/SUP12.","C022; S001, S011","Actual AR contract, principal permission and covered activity."],["B15 P","Special public agency/charity undertaking only NI DRO-approved work: separate 208U authority, not universal FCA exclusion.","C036; S022–S025","Does it also give other debt advice? Check 72H/other actual exemption separately."]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Material question and answer boundary","Claims; primary sources","Missing evidence and next question"],["COV-C01 A","FCA authorisation belongs to appropriate legal person, with named activity permission.","C001, C023; S001, S014","Exact firm/entity and restricted permission."],["COV-C02 A","FCA full/limited and DMP distinctions materially affect applicant classification.","C023, C025; S014 Annex1","Apply regulatory activity group and permitted restrictions to an actual business model."],["COV-C03 A","AR is exemption through authorised principal/contract for eligible activities, not free-standing licence.","C022; S001 s.39, S011","Which regulated act in principal's permission and AR contract?"],["COV-C04 P","Exempt professional firm has designated professional body/approved rules/incidental capacity predicates.","C020; S012–S013","Read actual current NI solicitor/accountancy body permitted-activity schedule."],["COV-C05 A","NI insolvency-practitioner authorisation is individual, potentially partial by company/individual scope.","C032–C033; S021 s.14","Individual licence and authorising RPB currentness."],["COV-C06 A","NI DRO competent authority designation differs from individual intermediary approval.","C036; S022 208U, S023 regs.3–10","Current competent authority and individual approval status, hypothetically."],["COV-C07 P","Fitness, experience, training and qualifications for NI officeholders/advisers: meaningful regulations exist, but post-2016 consolidation must be applied.","C032–C036; S021, S023, S029","Reconcile revised Article349A with amended 2006 fitness regulations; reconcile obsolete 2011 CCA licence language."],["COV-C08 P","NI DRO intermediary public-liability/indemnity insurance appears in 2011 regs.8–9.","C036; S023 regs.8–9","Read 2026 revised text and ensure exact policy coverage/amount; no universal numeric PII figure adopted."],["COV-C09 A","Debt-management CONC10 financial resources and £5k floor/proportional formula are distinct from compensation/client funds.","C024; S015 10.1–10.2","For a hypothetical firm, calculate relevant debts and other higher requirement."],["COV-C10 A","£1m client-money threshold for certain not-for-profit bodies affects CONC10 application.","C041; S015 10.1.1","Twelve-month actual/projection and statutory “client money” treatment."],["COV-C11 A","2026 FCA applicant categories 3/6 have specified prices, not customer fees.","C025; S014 Annex1/1A","Multi-activity grouping, permission limit, not-for-profit fee exception."],["COV-C12 A","NI IP bond now has £750k new standard subject to express pre-2027 saving.","C040; S029–S030","Bond issue/appointment dates and whether relevant loss within cover."],["COV-C13 P","Further PII, minimum liquidity, bonding or security for other actor categories cannot be assumed.","C024, C027, C036, C040; S015–S016, S023, S030","Identify exact regulated activity and source of each proposed financial safeguard; retrieve its operative schedule."],["COV-C14 A","Historic 2014 consumer-credit permission route exists but is not proof of present firm authorisation.","C009, C046; S006 art.60, S034","Modern FCA register legal entity/permission, hypothetically."],["COV-C15 P","FCA accountable management, fitness, competence and threshold conditions apply according to permission and firm type.","C023–C024; S001, S002, S015","Read current COND/SYSC/SMCR-specific provisions for a defined firm; no invented single named responsible-person requirement."],["COV-C16 P","Payment institution may have separate initial-capital/safeguard requirements, conditional on PSR activity.","C026–C027; S016–S019","Confirm exact 2026 amended PSR Sch.3 capital and applicable provider classification; no sum transferred to an ordinary DMP firm."]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Material question and answer boundary","Claims; primary sources","Missing evidence and next question"],["D01 A","NI lies inside UK FSMA geographic frame.","C001, C028; S001 s.19, S010","Where do particular regulated acts occur?"],["D02 A","Rest-of-UK provider into NI: UK FCA classification remains possible; NI statutory role separately governed.","C028, C031–C038; S010, S021–S023","Is service financial, insolvency officeholding or both?"],["D03 P","Foreign provider into NI via online/telephone: no automatic nonresident exemption.","C028; S003 art.72, S010 PERG2.4","Actual acts, agents, UK establishment and relevant RAO territorial exclusions."],["D04 P","NI provider helping debtor abroad: NI place of carrying on business can matter; foreign regulatory permissions not resolved.","C028; S001, S010","Map acts in UK; A098 foreign state requirements separately."],["D05 A","Website/telephone medium itself does not decide regulated activity.","C028, C043; S008–S010","Degree of personalised advice and who supplies it."],["D06 P","Offshore affiliate, call-centre agent, introducer: actor-by-actor UK link necessary.","C006, C022, C028; S003, S010–S011","Agency/contracts, payments, attribution, actual location."],["D07 P","Any specific treaty/overseas-person exemption for an identified nonstandard activity? Only if exact law allows.","C028; S003 art.72","Read exemption for the specific activity; 39D/E cannot borrow unrelated art.72 limb."],["D08 D","Foreign recognition, creditor law, judgment enforcement and assets/migration.","C028 boundary; S010","A098: What foreign law governs the identified debtor/creditor/asset and recognition event?"]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Verification question","Claims; official sources","Missing evidence and next check"],["E01 A","Is legal identity more reliable than brand name? Yes for register matching.","C030; S033–S034","Precise legal entity, trading name and signing party."],["E02 A","Is an FCA listing enough? No; must inspect exact permission, status and restriction.","C023, C030, C044; S033–S034","Activity-to-permission match at relevant engagement date."],["E03 A","What about AR? Match AR and principal, permitted contracted activity.","C022, C030; S011, S034","Principal permission and representation contract."],["E04 P","Exempt professional firm: body listing alone insufficient.","C020; S012–S013","Firm's designated-body exempt status and current rule permitted acts."],["E05 A","Separate payments register class may be necessary when independently remitting.","C026–C027; S016–S018, S034","Determine payment service first, then correct FCA category."],["E06 P","NI insolvency practitioner directory: useful but not complete proof.","C032–C035; S026–S028, S035","Authorising RPB, individual licence, limited capacity, actual appointment."],["E07 P","NI DRO body list: organisation status does not certify each adviser.","C036; S023–S025","Linked authority roster attachment and individual approval."],["E08 A","Have actual entities/people/cases been checked? No; all procedures were hypothetical.","C030, C044; S033–S035","No additional real-case lookup within authorisation."],["E09 A","Does authorisation prove settlement/debt release? No.","C044; S033–S034, S036","Later contract/creditor assent and remedy dossier; outside P01."]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","NI gateway issue and limited finding","Claims; primary sources","Missing evidence and exact next question"],["F01 A","Private voluntary negotiation is not itself statutory NI IVA/DRO.","C048; S021–S022, S036","Does provider claim a specific statutory office or only consensual negotiating authority?"],["F02 P","NI IVA nominee/supervisor and Part VIII authority identified.","C031–C032, C042; S020–S021, S036","Obtain current amended 1989 Order 227–236 body and current NI IVA rules before procedural claims."],["F03 A","NI insolvency practitioner is individual with appropriate/partial authorisation.","C032–C033; S021 s.14, S029–S030","Exact individual scope and current RPB confirmation."],["F04 A","2016 repeal of alternative authorisation under 348A.","C042; S021 Sch.3/4","Verify commencement annotations if evaluating a historic appointment."],["F05 P","NI DRO Official Receiver and approved intermediary/competent authority roles established.","C036–C037; S022–S025","Current approved-intermediary roster and 2011 licence-language reconciliation."],["F06 P","NI bankruptcy High Court/Official Receiver/trustee boundary established, not full procedure.","C038; S021, S029","Read current 1989 Order Part IX/NI rules only in later bankruptcy pass."],["F07 A","Law Society NI insolvency RPB recognition revoked 5 Nov 2025.","C034; S026, S028","Distinguish retained FSMA designated-professional function, then verify individual alternative RPB."],["F08 P","Chartered Accountants Ireland NI insolvency RPB recognition revoked 19 Feb 2025.","C035; S027, plus S026 history","Retrieve and body-read S.R.2025 No.19 for direct independent enactment confirmation."],["F09 P","Exhaustive current NI recognised professional bodies not established solely by old agency lists.","C033–C035, C045; S020–S021, S026–S028","Read S.R.1991 No.301 consolidated Schedule and every applicable 2022/2025 amendment."],["F10 A","2026 fast-track voluntary arrangements repealed for new cases 16 Oct 2026, existing-submission saving.","C039; S031 s.93, S032 art.2(2)(n)","For historic cases only: was 237B(1) submission made before operative date? No actual case checked."],["F11 A","NI IP general bond changed in 2025 with express transitional saving.","C040; S029–S030","Determine bond/appointment dates; no case, claim or insurance lookup."],["F12 D","IVA/DRO/bankruptcy eligibility, procedure, distribution, discharge, tax and cost are not answered.","C031/C036/C038 boundary only; S020–S024","Later solution-specific dossier: what are current NI qualifying conditions, acts, forms and legal effects?"]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Coverage","Claims; sources","Remaining evidence/next question"],["G01 A","Paid card settlement scenario G1","C002–C003; S003","Contract, borrower and permission in any actual matter."],["G02 A","Nonprofit free-adviser scenario G2","C010, C017; S006–S007","Constitution, regularity and exempt/authorised capacity."],["G03 A","NI solicitor commercial settlement scenario G3","C019–C020; S003, S012–S013","Current professional-body s.332 rules and incidental-service facts."],["G04 A","Insolvency practitioner selling separate DMP G4","C021, C047; S003, S021","Appointment capacity versus commercial mandate."],["G05 A","NI DRO competent authority/employee G5","C036; S022–S025","Individual approval and authority scope."],["G06 P","Overseas app/remote NI service G6","C028, C043; S008–S010","Full territorial and functional interaction evidence."],["G07 A","Acquiring/collecting creditor G7","C004–C005, C016; S003, S005","Assignment and servicer status."],["G08 A","Payment-only distributor G8","C026–C027; S016–S017","Whether independent PSR payment service exists."],["G09 A","FCA fee example (£1,130/£11,260, 2026)","C025; S014","Precise applicant category, no consumer fee implied."],["G10 A","CONC resources examples (£5k/£20k), formula verified","C024, C041; S015","Actual relevant-debt calculation and higher parallel requirement."],["G11 A","NI practitioner bond (£750k with transition)","C040; S029–S030","Bond and appointment dates; covered loss, not assumed award."],["G12 A","Unauthorised activity consequence kept conditional","C029; S001–S002","Any actual allegation would require each criminal/regulatory element and defence; remedies separate."]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Deferred rule family","Exact next research question"],["H001 D","Consumer-paid charges","What fees may an NI debt-management/settlement provider charge a debtor, by precisely classified activity?"],["H002 D","Indirect provider remuneration","How are creditor commissions, lead payments, affiliated benefits and other indirect compensation treated for disclosure, conflicts and authorisation?"],["H003 D","Fee earning","At what legally defined event, if any, is a provider entitled to earn a fee?"],["H004 D","Advance-payment restrictions","Which operative FCA/other rules limit taking money before negotiations, creditor agreement or performance?"],["H005 D","Fee caps and calculation","Are any statutory, regulatory or professional caps applicable, to which services, with what calculation base?"],["H006 D","Cancellation and withdrawal","What statutory or contractual cancellation rights, cooling-off periods and notices govern each transaction channel and provider class?"],["H007 D","Refunds and unearned fees","What must be returned upon cancellation, nonperformance, termination, provider failure or ineffective settlement?"],["H008 D","Advertising and solicitation","Which current financial-promotion, advertising, cold-calling and lead-generation restrictions apply in NI to each service?"],["H009 D","Written contracts","Which service contracts must be in writing, and what form, signatures or electronic-record rules apply?"],["H010 D","Mandatory contractual terms","Which provider promises, duration, service limitations, variation and termination clauses are mandatory, prohibited or unfair?"],["H011 D","Pre-contract disclosures","What must the provider disclose about fees, risks, alternatives, creditor participation, client funds and status before commitment?"],["H012 D","Suitability and advice standards","What assessment, suitability, vulnerability and best-interests obligations apply under relevant FCA/professional rules?"],["H013 D","Debt-relief outcome claims","What evidence is required for claims about savings, settlement rate, time to resolution, credit effects or guarantee?"],["H014 D","Ongoing service and exit","What periodic statements, reviews, records, variation notices and closure steps are required during and after engagement?"]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Deferred rule family","Exact next research question"],["H015 D","Client money receipt","When is money held by a debt adviser legally “client money” under the applicable FCA regime?"],["H016 D","Client money segregation","What account segregation, reconciliation, identification and audit obligations apply to a specific DMP business model?"],["H017 D","Stand-alone payment regulation","What is the fully updated October 2026 payment-services authorisation/registration/agent and safeguard regime, including every exemption and threshold?"],["H018 D","Trust and insolvency ring-fencing","If a provider fails, what proprietary or trust interest, if any, exists in money held for customers?"],["H019 D","Payment authority and distribution","What authority is required to initiate, distribute, withhold, reverse or refund customer payments, and what records must be retained?"],["H020 D","Private civil remedies","What specific cause of action, standing, limitation period, damages or restitution may follow an actual provider breach?"],["H021 D","Regulatory breaches and enforcement","What FCA investigative powers, notices, sanctions, procedural protections and individual accountability mechanisms apply to particular contraventions?"],["H022 D","Consumer complaints and ombudsman","What complaints processes and Financial Ombudsman Service jurisdiction apply to each covered legal person and service?"],["H023 D","NI insolvency practitioner complaints","What is the current complaint allocation among NI RPB, Department, officeholder and court, including former-RPB cases?"],["H024 D","Compensation schemes","When, if at all, does the Financial Services Compensation Scheme or another scheme cover a failure or a dishonest loss?"],["H025 D","Personal data and privacy","What UK GDPR/data-protection lawful basis, retention, data-sharing and security obligations apply to debt intake and creditor negotiation records?"],["H026 D","Marketing/contact permissions","What consent, privacy, telephone, email, text and direct-marketing rules apply to NI debt leads, introductions and remarketing?"]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Deferred rule family","Exact next research question"],["H027 D","Credit card, overdraft and personal-loan products","What borrower rights, creditor duties and product-specific rules govern each source of debt in NI?"],["H028 D","Payday, BNPL and deferred-payment credit","Which 2026 commencement, temporary permission, product and grandfathering provisions apply to each agreement?"],["H029 D","Debt-collection conduct","What rules govern demands, communications, hardship treatment, harassment, third-party contact and collection practices?"],["H030 D","Validation and proof of debt","What evidence must an NI creditor/collector produce, when, and through what procedure?"],["H031 D","Balance and liability disputes","How does a debtor challenge balance, interest, ownership, accounting, fraud or contractual enforceability?"],["H032 D","Assignment and debt purchases","What notice, legal/equitable assignment, standing and debtor-defence rules govern transferred claims?"],["H033 D","Limitation periods","What NI limitation law and accrual date governs each credit, specialty, mortgage, tax or judgment claim?"],["H034 D","Acknowledgment, payment and revival","Which signed acknowledgment, partial payment, admission or other event affects a limitation defence in NI?"],["H035 D","Credit reference reporting","What source-specific reporting, accuracy, correction, suppression and retention rules apply?"],["H036 D","Credit score and future borrowing","What documented, qualified credit effects may follow each action, without promising score movement or recovery?"],["H037 D","Out-of-court creditor rights","What set-off, lien, acceleration, demand and account-closure rights arise under each creditor agreement and NI law?"]]},{"headers":[],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Deferred rule family","Exact next research question"],["H038 D","Court jurisdiction and claims","Which NI court or statutory forum hears the identified debt claim, and under which jurisdictional rules?"],["H039 D","Service of process","What are the applicable NI service methods, substituted service, cross-border service and proof requirements?"],["H040 D","Default and response","What actual NI procedural steps and legally operative deadlines arise after a properly served claim?"],["H041 D","Judgment formation","What proof and hearings are required for default, summary or contested judgment?"],["H042 D","Set-aside and appeal","On what grounds and under what procedure can a debtor challenge or reopen a judgment or order?"],["H043 D","Enforcement mechanisms","What NI enforcement office, attachment, seizure, instalment, registration and creditor-priority powers exist?"],["H044 D","Income/property protection","What NI exemptions or protections apply to wages, household goods, benefits, pensions and property?"],["H045 D","Bank accounts and third-party money","What attachment, set-off or other enforcement mechanisms may reach deposits or funds held for another person?"],["H046 D","Secured and mortgage debt","How do NI land charges, mortgage regulation, secured arrears and redemption interact?"],["H047 D","Mortgage enforcement/repossession","What NI procedure governs possession, sale, deficiency and borrower protections?"],["H048 D","Vehicles and hire purchase","What recovery, repossession, hire termination and secured vehicle deficiency rules govern NI agreements?"],["H049 D","Rent and housing","What tenancy-arrears, eviction, social-housing and housing-support rules apply in NI?"],["H050 D","Medical and care bills","What NI health, private treatment, care contribution and related collection rules govern the obligation?"],["H051 D","Utilities and telecommunications","What NI electricity, gas, water, telecom, disconnection, metering and arrears protections apply?"],["H052 D","Family maintenance and support","What NI child-maintenance, family-support and related enforcement priorities apply?"],["H053 D","Fines and criminal financial orders","Which NI criminal-court or statutory collection procedures govern fines, compensation and penalties?"],["H054 D","Tax, rates and other government debt","What HMRC, NI rates, overpayment recovery and government-creditor powers apply to each liability?"],["H055 D","Priority and nonpriority sorting","What legally supported criteria determine which NI debts have more urgent consequences or priority?"],["H056 D","Public assistance and free support","Which current NI public benefits, emergency assistance, housing support, debt-advice services and eligibility requirements exist?"]]},{"headers":[],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Row / status","Deferred rule family","Exact next research question"],["H057 D","NI IVA complete procedure","What are the current NI IVA proposal, nominee, filing, creditor-decision, modification, supervision and termination rules?"],["H058 D","NI DRO complete procedure","What are current NI DRO eligibility, excluded debts, assets, income, applications, reviews, moratorium and discharge rules?"],["H059 D","NI bankruptcy complete procedure","What are the current NI petition, adjudication, trustee, estate administration, restrictions and discharge rules?"],["H060 D","Other NI statutory debt mechanisms","Which administration orders, compositions, debt remedies or sector-specific arrangements exist independently of IVA/DRO/bankruptcy?"],["H061 D","Statutory filing forms and costs","Which exact NI court/agency forms, filing charges, professional expenses and cost allocations apply at their effective dates?"],["H062 D","Distribution, discharge, surviving debt and tax","Which liabilities remain, how are proceeds distributed, when does discharge occur and what tax consequences follow?"],["H063 D","A098 foreign exchange and currency","Which currency governs each obligation, exchange conversion, payment, settlement and court calculation?"],["H064 D","A098 foreign contracts and governing law","Which contractual choice-of-law and mandatory protection rules determine rights under an international debt contract?"],["H065 D","A098 cross-border insolvency","When and how may an NI insolvency procedure be recognised abroad, or a foreign process be recognised in NI?"],["H066 D","A098 foreign judgments","Under what statutory/treaty/common-law route can a foreign judgment be recognised or enforced in NI, and vice versa?"],["H067 D","A098 relocation and offshore assets","How do change of residence, overseas income, assets, creditors and foreign collection affect rights and jurisdiction?"],["H068 D","Local, sector and professional overlaps","What additional NI consumer, solicitor, accountant, financial-promotion, property, mortgage, tax or contractual duties apply to a precisely identified non-gateway issue?"],["H069 X","All other countries and UK local regimes","Those are not adopted here. What separate jurisdiction-specific authorisation and solution rules apply if another jurisdiction is independently assigned?"]]},{"headers":[],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Required deliverable","Visible result"],["Primary browsing/body reads","Yes, UK Acts/SIs, FCA Handbook, NI Acts/SRs and Department pages; precise failures and limited attachments identified"],["Source register","36 numbered S001–S036, direct literal URLs, provisions, applicable dates, jurisdiction, read status and PDF indices where relevant"],["Atomic claim register","50 numbered C001–C050, with scoped predicates, exclusions, consequence, primary-source pinpoint and confidence"],["A–G coverage","95 rows"],["H deferred inventory","69 rows"],["Total visible coverage rows","164"],["Four or more scenarios","Eight bounded hypotheticals, each containing facts, tests, responsible gateway, missing facts, adverse branch and verification documents"],["At least two sourced quantitative examples","FCA 2026 application-category charges, two CONC10 computations, NI 2025 IP bond and 2027 saving"],["Actual person/provider/consumer/firm verification","None"],["Publication, external contact, filing, purchase, website or file alteration","None"],["Reliance on failed/unreviewed other-country research","None"],["Independent second-person review or all-law certification","None claimed"]]}],"claims":[{"claim_id":"C_NI-P01-C001","area_numbers":[97,98],"researcher_record":{"Claim":"C001","Exact assertion; required predicate or exception; consequence":"A person carrying on a regulated activity in the UK needs appropriate authorised or exempt status under FSMA s.19, where the statutory elements apply.","Direct source and pinpoint":"S001 s.19, S002 PERG 2.2, S003 art.4","Confidence / limit":"H; exemptions/territory remain case-specific."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002","C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":["C_NI-P01-S001","C_NI-P01-S002"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C002","area_numbers":[97,98],"researcher_record":{"Claim":"C002","Exact assertion; required predicate or exception; consequence":"Negotiating discharge of a credit-agreement borrower's debt for that borrower, assuming business conduct and no exclusion, falls within RAO 39D(1); the specified consumer-hire equivalent falls under 39D(2).","Direct source and pinpoint":"S003 art.39D(1)(a)–(c),(2)(a)–(c)","Confidence / limit":"H for activity words; 2026 whole-chapter cutoff M."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C003","area_numbers":[97,98],"researcher_record":{"Claim":"C003","Exact assertion; required predicate or exception; consequence":"Advice about liquidation of a debt to a borrower under a credit agreement, or hirer under consumer-hire agreement, is specified in 39E(1)/(2); fact-specific advice must be distinguished from information.","Direct source and pinpoint":"S003 art.39E(1)–(2); S008 PERG17.2","Confidence / limit":"H/M."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S008"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S008"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C004","area_numbers":[97,98],"researcher_record":{"Claim":"C004","Exact assertion; required predicate or exception; consequence":"Obtaining payment of certain covered obligations for a creditor, rather than counselling the debtor, invokes 39F, subject to express limitations/exclusions.","Direct source and pinpoint":"S003 art.39F(1)–(3), 39H, 39L","Confidence / limit":"H/M; particular debt/actor required."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C005","area_numbers":[97,98],"researcher_record":{"Claim":"C005","Exact assertion; required predicate or exception; consequence":"Performing duties or exercising/enforcing lender/owner rights for that lender/owner invokes 39G, not merely managing the debtor's personal budget.","Direct source and pinpoint":"S003 art.39G(1)–(3)","Confidence / limit":"H/M."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C006","area_numbers":[97,98],"researcher_record":{"Claim":"C006","Exact assertion; required predicate or exception; consequence":"Introductions, offers or preparatory work directed to entry into qualifying credit/hire agreements may be 36A credit broking; existing-debt referrals alone are not automatically 36A.","Direct source and pinpoint":"S003 arts.36A(1)–(4), 36B–36F","Confidence / limit":"H/M; fee/exclusion distinctions preserved."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C007","area_numbers":[97,98],"researcher_record":{"Claim":"C007","Exact assertion; required predicate or exception; consequence":"Performing an act defined as providing credit-information services is a separate potential regulated activity under 89A; “credit repair” marketing alone is not a sufficient legal classification.","Direct source and pinpoint":"S003 arts.39L/72H references, 89A","Confidence / limit":"M; full fact-specific 89A exclusions not closed."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C008","area_numbers":[97,98],"researcher_record":{"Claim":"C008","Exact assertion; required predicate or exception; consequence":"An agreement to carry out a specified regulated activity can itself fall within RAO 64 where its conditions apply.","Direct source and pinpoint":"S003 art.64 and adjacent exclusions","Confidence / limit":"M; requires exact promised activity."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C009","area_numbers":[97,98],"researcher_record":{"Claim":"C009","Exact assertion; required predicate or exception; consequence":"Credit-related activities entered the FCA regime through the 2013 amendment order, with the principal commencement 1 Apr 2014, not the order's 2013 publication date.","Direct source and pinpoint":"S006 arts.1(2)–(6), 3–6; S007 PERG2.3.2","Confidence / limit":"H."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S007"],"not_newly_reopened_source_ids":["C_NI-P01-S006"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C010","area_numbers":[97,98],"researcher_record":{"Claim":"C010","Exact assertion; required predicate or exception; consequence":"Qualifying not-for-profit bodies doing non-occasional debt adjusting, counselling or credit-information service are treated as carrying on business under business-order 3E; the occasional-only proviso limits that deeming rule.","Direct source and pinpoint":"S006 art.13, inserted 3E(1)–(4); S007 PERG2.3.2(3B)","Confidence / limit":"H, constitution and frequency must be tested."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S007"],"not_newly_reopened_source_ids":["C_NI-P01-S006"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C011","area_numbers":[97,98],"researcher_record":{"Claim":"C011","Exact assertion; required predicate or exception; consequence":"Credit agreement's borrower definition concerns an individual or relevant recipient of credit; a qualifying small partnership/unincorporated body may count, an ordinary incorporated company's own debt ordinarily does not.","Direct source and pinpoint":"S003 arts.60B(3), 60L(1); S005 60B(3)","Confidence / limit":"H/M; inspect organisational form and agreement."},"raw_table_index":10,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q001"],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C012","area_numbers":[97,98],"researcher_record":{"Claim":"C012","Exact assertion; required predicate or exception; consequence":"RAO 39D/39E say credit agreement, while 60B(3) differentiates regulated credit agreement; these terms cannot be interchanged.","Direct source and pinpoint":"S003 39D/E; S005 60B(3)","Confidence / limit":"H text; overlap exceptions still apply."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C013","area_numbers":[97,98],"researcher_record":{"Claim":"C013","Exact assertion; required predicate or exception; consequence":"Under 60C(3) a credit agreement exceeding £25,000 wholly/predominantly for business is exempt for that chapter; 60C(5)–(6) sets declaration/rebuttal treatment.","Direct source and pinpoint":"S005 60C(1),(3),(5)–(7)","Confidence / limit":"H; not a debt-advice carve-out by itself."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C014","area_numbers":[97,98],"researcher_record":{"Claim":"C014","Exact assertion; required predicate or exception; consequence":"A guarantor or third-party funder is not automatically the borrower for 39E merely by paying; a signed joint borrower can be the recipient.","Direct source and pinpoint":"S003 39E(1), 60L borrower definitions; S005 60B(3)","Confidence / limit":"M—statutory-role inference; guarantee/agency specifics unresolved."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C015","area_numbers":[97,98],"researcher_record":{"Claim":"C015","Exact assertion; required predicate or exception; consequence":"Certain mortgage/home-finance overlaps are dealt with through RAO 39J and other activity classifications; security on land is not a universal 39D/39E exclusion.","Direct source and pinpoint":"S003 39J(1)–(3), 39L; S005 60C(2)","Confidence / limit":"M; mortgage product and date required."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C016","area_numbers":[97,98],"researcher_record":{"Claim":"C016","Exact assertion; required predicate or exception; consequence":"39H provides role-specific lender, owner, supplier and other exclusions with limits, including the 39H(1A) qualification; a generic creditor or debt-buyer label is insufficient.","Direct source and pinpoint":"S003 39H(1)–(3), 39F/G; S005 60B(2)","Confidence / limit":"H/M."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C017","area_numbers":[97,98],"researcher_record":{"Claim":"C017","Exact assertion; required predicate or exception; consequence":"“Charitable,” “free consultation” and “no debtor fee” do not themselves disapply 39D/39E: business and precise exemption tests remain necessary.","Direct source and pinpoint":"S006 art.13 / 3E; S007 PERG2.3.2–2.3.3","Confidence / limit":"H, no blanket exemption."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S007"],"not_newly_reopened_source_ids":["C_NI-P01-S006"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C018","area_numbers":[97,98],"researcher_record":{"Claim":"C018","Exact assertion; required predicate or exception; consequence":"NI district council qualifies as RAO's “local authority” under art.3 and 72G excludes described local-authority acts from 39D–39G; other public bodies must establish their own basis.","Direct source and pinpoint":"S004 art.3 definition; S003 72G(1)–(3), 39L","Confidence / limit":"H/M, actor identity essential."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S004","C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S004","C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C019","area_numbers":[97,98],"researcher_record":{"Claim":"C019","Exact assertion; required predicate or exception; consequence":"RAO 39K concerns specified barrister/solicitor acts in advocacy/litigation capacities including NI solicitor branch; general non-litigious service is not automatically excluded.","Direct source and pinpoint":"S003 39K(1)–(3)","Confidence / limit":"H/M, service-specific."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C020","area_numbers":[97,98],"researcher_record":{"Claim":"C020","Exact assertion; required predicate or exception; consequence":"FSMA s.327 professional exemption requires compliance with designated-body rules, incidental/complementary professional service and financial benefit conditions, subject to 328/329 restrictions.","Direct source and pinpoint":"S001 ss.326–329, 332 as enacted; S012 PROF2.1.3–2.1.14; S013 Annex1","Confidence / limit":"H FCA guidance; individual body-rule check held."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S012","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S012","C_NI-P01-S013"],"not_newly_reopened_source_ids":["C_NI-P01-S001"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C021","area_numbers":[97,98],"researcher_record":{"Claim":"C021","Exact assertion; required predicate or exception; consequence":"RAO 72H(1)–(3) excludes stated acts as insolvency practitioner; reasonable contemplation of appointment has narrower specified 39D/39E/89A scope.","Direct source and pinpoint":"S003 72H(1)–(3), 39L; S015 CONC10.2.10G","Confidence / limit":"H/M, actual appointment/capacity required."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S015"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C022","area_numbers":[97,98],"researcher_record":{"Claim":"C022","Exact assertion; required predicate or exception; consequence":"An appointed representative operates through a principal's responsibility and valid contract for eligible specified activities, not independent comprehensive authorisation.","Direct source and pinpoint":"S001 s.39; S011 SUP12","Confidence / limit":"H/M, validate principal, activity eligibility and scope."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S011"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S011"],"not_newly_reopened_source_ids":["C_NI-P01-S001"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C023","area_numbers":[97,98],"researcher_record":{"Claim":"C023","Exact assertion; required predicate or exception; consequence":"The legal person carrying on in-scope debt adjusting/counselling needs its own appropriate FCA permission unless lawfully excluded/exempt/represented; permission restrictions and DMP scope matter.","Direct source and pinpoint":"S001 ss.19, 40; S003 39D/E; S014 FEES3 Annex1 CC2","Confidence / limit":"H framework, actual firm permission not tested."},"raw_table_index":10,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S003","C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S014"],"not_newly_reopened_source_ids":["C_NI-P01-S001"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C024","area_numbers":[97,98],"researcher_record":{"Claim":"C024","Exact assertion; required predicate or exception; consequence":"For covered CONC10 firms, prudential requirement is the higher of £5,000 or 0.25% first £5m + 0.15% next £95m + 0.05% above, with higher-other-regime provision.","Direct source and pinpoint":"S015 10.1.1–1.2, 10.2.2–2.10","Confidence / limit":"H, not compensation or segregated client money."},"raw_table_index":10,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q003"],"fresh_selected_source_ids":["C_NI-P01-S015"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C025","area_numbers":[97,98],"researcher_record":{"Claim":"C025","Exact assertion; required predicate or exception; consequence":"At the 2 July 2026 pricing schedule, FEES3 CC2 restricted category 3 = £1,130 and broader category 6 £11,260 per relevant application classification.","Direct source and pinpoint":"S014 FEES3 Annex1 Part2 CC2; Annex1A","Confidence / limit":"H on listed categories; combinations/actual applicant require more facts."},"raw_table_index":10,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q002"],"fresh_selected_source_ids":["C_NI-P01-S014"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C026","area_numbers":[97,98],"researcher_record":{"Claim":"C026","Exact assertion; predicates, exception and consequence":"A payment operation is within the 2017 PSRs when a specified payment service is carried on as an independent business/regular occupation and not excluded; ordinary ancillary DMP remittance is generally not classified that way in FCA PERG Q9.","Direct source/pinpoint":"S016 regs.2, 4–5, Sch.1; S017 PERG15.2 Q9","Confidence / limit":"H FCA position; contracts/cash flow determinative."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S017"],"not_newly_reopened_source_ids":["C_NI-P01-S016"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C027","area_numbers":[97,98],"researcher_record":{"Claim":"C027","Exact assertion; predicates, exception and consequence":"Independently provided money remittance may require FCA payment-institution authorisation, small-institution registration or another valid category; FSMA permission does not automatically answer that PSR test.","Direct source/pinpoint":"S016 regs.6–14, Sch.1; S017 PERG15.2 Q11–Q11B; S018","Confidence / limit":"M, all exception/threshold branches not comprehensively updated."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017","C_NI-P01-S018"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S017"],"not_newly_reopened_source_ids":["C_NI-P01-S016","C_NI-P01-S018"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C028","area_numbers":[97,98],"researcher_record":{"Claim":"C028","Exact assertion; predicates, exception and consequence":"FSMA's “carried on in the UK” link includes NI; provider/consumer/medium/location fact patterns determine reach, and non-UK location is no categorical 39D/39E exemption.","Direct source/pinpoint":"S001 s.19; S002 PERG2; S010 PERG2.4; S003 art.72","Confidence / limit":"M on hypothetical overseas conduct; foreign law deferred."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002","C_NI-P01-S010","C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S010","C_NI-P01-S003"],"not_newly_reopened_source_ids":["C_NI-P01-S001","C_NI-P01-S002"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C029","area_numbers":[97,98],"researcher_record":{"Claim":"C029","Exact assertion; predicates, exception and consequence":"Violation of FSMA ss.19/20/23 has statutory regulatory/criminal consequences only on proven elements and exceptions; it does not automatically extinguish creditor obligations.","Direct source/pinpoint":"S001 ss.19–29, especially s.28(9); S002 PERG2.2","Confidence / limit":"H for nonautomatic effect; full remedies deferred."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":[],"not_newly_reopened_source_ids":["C_NI-P01-S001","C_NI-P01-S002"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C030","area_numbers":[97,98],"researcher_record":{"Claim":"C030","Exact assertion; predicates, exception and consequence":"FCA provides public firm checker and register; valid confirmation requires matching legal person, active status, activity permission/restriction, and AR/principal where relevant.","Direct source/pinpoint":"S033 FCA checker instructions; S034 FS Register instructions; S011 SUP12","Confidence / limit":"H, no particular listing checked."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S011"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S011"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C040","area_numbers":[97,98],"researcher_record":{"Claim":"C040","Exact assertion; predicates, exception and consequence":"NI IP bond amendment increased general penalty sum to £750,000, subject to S.R.2025/177 reg.6 saving for certain pre-2027 bond/case combinations, to address specified dishonest-loss claims.","Direct source/pinpoint":"S029 Sch.2 para.3 historic £250k; S030 regs.5–6","Confidence / limit":"H, not a settlement-refund promise."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S030"],"not_newly_reopened_source_ids":["C_NI-P01-S029"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C041","area_numbers":[97,98],"researcher_record":{"Claim":"C041","Exact assertion; predicates, exception and consequence":"CONC10 applies to an NFP debt advice body if it held £1m+ client money within last 12 months or projects that level within next 12; qualifying professional-firm exception has specific 50%-income and incidental requirements.","Direct source/pinpoint":"S015 10.1.1(2), 10.1.2(1)–(3)","Confidence / limit":"H, client-money meaning not fully audited."},"raw_table_index":11,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q003"],"fresh_selected_source_ids":["C_NI-P01-S015"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C043","area_numbers":[97,98],"researcher_record":{"Claim":"C043","Exact assertion; predicates, exception and consequence":"Debt-specific personalised advice must be tested against 39E; unpersonalised information may not meet its advice element. Delivery through an algorithm does not itself settle the test.","Direct source/pinpoint":"S003 39E; S008 PERG17.2; S009 PERG17.3–17.6","Confidence / limit":"M; product interactions needed."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S008","C_NI-P01-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S008"],"not_newly_reopened_source_ids":["C_NI-P01-S009"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C044","area_numbers":[97,98],"researcher_record":{"Claim":"C044","Exact assertion; predicates, exception and consequence":"Register listing, FCA authorisation or an insolvency title does not independently establish lawful contract terms, creditor assent, debt release or successful outcome.","Direct source/pinpoint":"S033–S034 register scope; S003 regulated activities; S036 IVA distinct statutory role","Confidence / limit":"H logical limitation, no specific agreement assessed."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S003","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S003","C_NI-P01-S036"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C046","area_numbers":[97,98],"researcher_record":{"Claim":"C046","Exact assertion; predicates, exception and consequence":"S.I.2013/1881 art.60 had a restricted not-for-profit former group-licence permission route from 1 Apr 2014, only to licence-described activities; old licence alone is not present proof of permission.","Direct source/pinpoint":"S006 art.60(1)–(3); S034 current register","Confidence / limit":"H on historic transition, individual present status untested."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S034"],"not_newly_reopened_source_ids":["C_NI-P01-S006"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C047","area_numbers":[97,98],"researcher_record":{"Claim":"C047","Exact assertion; predicates, exception and consequence":"Being licensed as an NI IP does not automatically authorise unrelated debt-adjusting services outside the 72H capacity; FSMA exemption and NI officeholding are different tests.","Direct source/pinpoint":"S003 72H; S021 s.14 / 349A; S012 PROF2.1","Confidence / limit":"H/M, dual activity details needed."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S021","C_NI-P01-S012"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S021","C_NI-P01-S012"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C049","area_numbers":[97,98],"researcher_record":{"Claim":"C049","Exact assertion; predicates, exception and consequence":"Business-purpose exempt credit lending under 60C does not alone remove debtor-side 39D/E where the debt remains due under a “credit agreement”; other specific exclusions may still apply.","Direct source/pinpoint":"S005 60B(3), 60C(3); S003 39D/E/H/J","Confidence / limit":"H on terminology; definitive case outcome held."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S005","C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S005","C_NI-P01-S003"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C050","area_numbers":[97,98],"researcher_record":{"Claim":"C050","Exact assertion; predicates, exception and consequence":"Debt categories like tax, rent, support, rates, fines and ordinary company trade invoices do not become 39D/E credit-agreement debt solely by label, and other legal gateways may remain.","Direct source/pinpoint":"S003 39D/E; S005 60B(3); S009 PERG17","Confidence / limit":"M, other product/sector law deferred."},"raw_table_index":11,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005","C_NI-P01-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"not_newly_reopened_source_ids":["C_NI-P01-S009"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C031","area_numbers":[97,98],"researcher_record":{"Claim":"C031","Exact assertion; predicates, exceptions and consequence":"NI IVA is distinct statutory arrangement under NI 1989 Order Part VIII Ch.II, with statutory nominee/supervisor roles; not any private repayment negotiation.","Direct source/pinpoint":"S020 index only, Part VIII; S021 s.5, Sch.3–4; S036 IVA explanatory text","Confidence / limit":"M; consolidated Order direct body access gap."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S020","C_NI-P01-S021","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S021","C_NI-P01-S036"],"not_newly_reopened_source_ids":["C_NI-P01-S020"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C032","area_numbers":[97,98],"researcher_record":{"Claim":"C032","Exact assertion; predicates, exceptions and consequence":"An NI insolvency practitioner must be an individual, qualified/appropriately authorised under reformed 349/349A; full versus individual-only/company-only partial authorisation determines role scope.","Direct source/pinpoint":"S021 s.14(2)–(4), 349A(1)–(5); S029 reg.2/Sch.2 as amended","Confidence / limit":"H for 2016 enactment; complete current RPB roster held."},"raw_table_index":12,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q004"],"fresh_selected_source_ids":["C_NI-P01-S021"],"not_newly_reopened_source_ids":["C_NI-P01-S029"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C033","area_numbers":[97,98],"researcher_record":{"Claim":"C033","Exact assertion; predicates, exceptions and consequence":"NI Department for the Economy supervises statutory recognition of professional bodies under reformed art.350, which authorise individual insolvency practitioners subject to training/fitness/security.","Direct source/pinpoint":"S021 ss.14–17; S029 reg.6–10, read with S030","Confidence / limit":"H/M; current recognition must be verified."},"raw_table_index":12,"coordinator_verification_status":"revision_or_qualification_required_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q004"],"fresh_selected_source_ids":["C_NI-P01-S021","C_NI-P01-S030"],"not_newly_reopened_source_ids":["C_NI-P01-S029"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C034","area_numbers":[97,98],"researcher_record":{"Claim":"C034","Exact assertion; predicates, exceptions and consequence":"S.R.2025/170 removed Law Society NI as an NI insolvency RPB effective 5 Nov 2025; separate FSMA designated professional-body listing is not repealed by this instrument.","Direct source/pinpoint":"S026 arts.1–2; S028 departmental notice; S013 PROF2 Annex1","Confidence / limit":"H within distinct statutes."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S026","C_NI-P01-S028","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S026","C_NI-P01-S013"],"not_newly_reopened_source_ids":["C_NI-P01-S028"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C035","area_numbers":[97,98],"researcher_record":{"Claim":"C035","Exact assertion; predicates, exceptions and consequence":"NI Department's art.350N notice states Chartered Accountants Ireland NI insolvency RPB recognition ended 19 Feb 2025.","Direct source/pinpoint":"S027 effective-date paragraph, S026 explanatory history mentioning S.R.2025/19","Confidence / limit":"M because S.R.2025/19 not itself body-read."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S027","C_NI-P01-S026"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S027","C_NI-P01-S026"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C036","area_numbers":[97,98],"researcher_record":{"Claim":"C036","Exact assertion; predicates, exceptions and consequence":"NI DRO Official Receiver makes the statutory order; an individual “approved intermediary” under 208U(1) must have approval from a Department-designated competent authority.","Direct source/pinpoint":"S022 s.1, 208C–208E, 208U(1)–(4); S023 regs.3–10; S024","Confidence / limit":"H for statutory roles, current individual designation not checked."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S022","C_NI-P01-S023","C_NI-P01-S024"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S022","C_NI-P01-S024"],"not_newly_reopened_source_ids":["C_NI-P01-S023"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C037","area_numbers":[97,98],"researcher_record":{"Claim":"C037","Exact assertion; predicates, exceptions and consequence":"NI 208U restricts charging debtor for activities connected to a DRO application as an approved intermediary, within the express statutory wording, not a general debt-advice-fee determination.","Direct source/pinpoint":"S022 208U(7)","Confidence / limit":"H for that role only; consumer fee dossier deferred."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S022"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S022"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C038","area_numbers":[97,98],"researcher_record":{"Claim":"C038","Exact assertion; predicates, exceptions and consequence":"NI bankruptcy involves NI statutory High Court/Official Receiver/trustee officeholder roles, not a generic commercial “bankruptcy adviser” licence.","Direct source/pinpoint":"S021 s.8; 1989 Order references; S029 reg.2","Confidence / limit":"M, full Part IX consolidation and procedure excluded."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S021"],"not_newly_reopened_source_ids":["C_NI-P01-S029"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C039","area_numbers":[97,98],"researcher_record":{"Claim":"C039","Exact assertion; predicates, exceptions and consequence":"NI 2026 s.93 abolished 1989 Order arts.237A–237G fast-track voluntary arrangement route effective 16 Oct 2026; s.93(6) preserves already-submitted specified cases.","Direct source/pinpoint":"S031 s.93(1)–(6); S032 art.2(1),(2)(n)","Confidence / limit":"H, precise grandfathering predicate retained."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S031","C_NI-P01-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S031","C_NI-P01-S032"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C042","area_numbers":[97,98],"researcher_record":{"Claim":"C042","Exact assertion; predicates, exceptions and consequence":"The 2016 reform repealed NI 1989 Order article 348A and alternate authorised nominee/supervisor wording; a pre-repeal consolidated extract must not be treated as current.","Direct source/pinpoint":"S021 Sch.3 paras.4–15; Sch.4, plus s.27","Confidence / limit":"H on repeal text; commencement annotation cross-check."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S021"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S021"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C045","area_numbers":[97,98],"researcher_record":{"Claim":"C045","Exact assertion; predicates, exceptions and consequence":"An old NI government list of insolvency RPBs may be stale after 2025 revocations; professional-body designation and current individual licence must be checked separately.","Direct source/pinpoint":"S026–S028 revocation/effective dates, S035 directory","Confidence / limit":"H as dated-list warning; no exhaustive live RPB list claim."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S026","C_NI-P01-S027","C_NI-P01-S028","C_NI-P01-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S026","C_NI-P01-S027","C_NI-P01-S035"],"not_newly_reopened_source_ids":["C_NI-P01-S028"],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}},{"claim_id":"C_NI-P01-C048","area_numbers":[97,98],"researcher_record":{"Claim":"C048","Exact assertion; predicates, exceptions and consequence":"A negotiated payment compromise is not the NI statutory IVA or DRO merely because parties call it an “arrangement”; NI statutory offices arise under their governing instrument.","Direct source/pinpoint":"S021 IVA amendments; S022 DRO statutory gateway; S036 IVA role description","Confidence / limit":"H for mechanism distinction, no statement of private contract enforceability."},"raw_table_index":12,"coordinator_verification_status":"scoped_reconciliation_with_unread_source_and_application_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S022","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","finding_ids":[],"fresh_selected_source_ids":["C_NI-P01-S021","C_NI-P01-S022","C_NI-P01-S036"],"not_newly_reopened_source_ids":[],"scope":"Originalclaimreadandreconciled;selectedsourceevidenceonly. Aselectedsourcereaddoesnotverifyeverycitedprovisionorentireclaim. Source-specificboundsandholdsgovern.","all_claim_or_currentness_acceptance":false,"independent_review":false}}],"sources":[{"source_id":"C_NI-P01-S001","urls":["https://www.legislation.gov.uk/ukpga/2000/8/pdfs/ukpga_20000008_en.pdf"],"researcher_record":{"ID / status":"S001 B","Issuer, direct official URL and exact portion read":"UK Parliament, Financial Services and Markets Act 2000, original enacted PDF; ss.19–23, 26–29, 39–40, 326–327 and 332. PDF P27–P32, corresponding original printed pp.8–13 for main prohibitions/remedies; P36–P37, printed pp.17–18 for representative/application route. https://www.legislation.gov.uk/ukpga/2000/8/pdfs/ukpga_20000008_en.pdf","Version/effect; actor, debt and jurisdiction limits":"As enacted 2000 only, not a reliable modern consolidation. UK including NI, persons conducting regulated activities. Used with current FCA guidance/amending law; original statutory wording is not asserted unchanged in all respects. \nlegislation.gov.uk"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S002","urls":["https://handbook.fca.org.uk/handbook/perg2?timeline=true"],"researcher_record":{"ID / status":"S002 B","Issuer, direct official URL and exact portion read":"FCA, PERG 2—Authorisation and regulated activities, especially 2.2 prohibition/permission and 2.4, 2.8–2.11 scope/exemption context. https://handbook.fca.org.uk/handbook/perg2?timeline=true","Version/effect; actor, debt and jurisdiction limits":"Current FCA Handbook display accessed 26 Oct 2026; relevant interface shows changes through 16 Sept 2026. Guidance (G), UK regulated activities and NI nexus, not a statutory substitute. \nPERG 2 Authorisation and regulated activities"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S003","urls":["https://www.legislation.gov.uk/uksi/2001/544/part/II/2025-07-15/data.html"],"researcher_record":{"ID / status":"S003 B","Issuer, direct official URL and exact portion read":"UK Treasury, Regulated Activities Order 2001, Part II arts.4, 36A, 39D–39L, 60-series references, 64, 72, 72G, 72H, 89A references, detailed exceptions/annotations. https://www.legislation.gov.uk/uksi/2001/544/part/II/2025-07-15/data.html","Version/effect; actor, debt and jurisdiction limits":"Official 15 July 2025 point-in-time consolidated body. UK except express geographic limits; credit agreements/hire and regulated services. July–Oct 2026 Part II whole-part consolidation was unavailable, so amendment completeness after that date is held. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R001","scope":"Selected general article4;36A and selected36B–E; complete selected39D/E/F/G; partial39H,39I,39K;39L references; complete60L relevant-recipient definition;72H IP and reasonable-contemplation exclusions. No complete36F/39J/39K(3)/64/72G/89A or current whole-RAO audit.","version_and_limits":"Explicit15July2025 PartII version, not current26/29October2026 consolidation. NI/EWS geographical amendment annotations retained; struck/scope-tagged wording not silently universalised.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S004","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/3/2026-02-25/data.html"],"researcher_record":{"ID / status":"S004 B","Issuer, direct official URL and exact portion read":"UK Treasury, same RAO, article 3 interpretation, including NI local authority and insolvency-practitioner cross-references. https://www.legislation.gov.uk/uksi/2001/544/article/3/2026-02-25/data.html","Version/effect; actor, debt and jurisdiction limits":"25 Feb 2026 point-in-time body, UK/NI definition branch; does not certify all changes after selected date. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R002","scope":"Article3 acting-IP definition, firm attribution and local-authority geographic branches including NI district council. This does not independently close72G or all public-body exclusions.","version_and_limits":"Explicit25February2026 version; not whole instrument or amendment chain.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S005","urls":["https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html"],"researcher_record":{"ID / status":"S005 B","Issuer, direct official URL and exact portion read":"UK Treasury, same RAO Part II Ch.14A, arts.60B and 60C(1)–(8), credit/regulated credit and business-purpose exemptions. https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","Version/effect; actor, debt and jurisdiction limits":"15 July 2026 point-in-time body, individual/relevant recipient of credit; distinguishes borrower and lender permissions from debt-counselling activities. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R003","scope":"Selected60B activity and credit/regulated-credit definitions plus visible amendment annotations. No full60C business exemption or complete geographic/currentness reconciliation adopted.","version_and_limits":"Explicit15July2026 narrow crossheading; NI versus EWS annotations matter. No current wholeRAO read.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S006","urls":["https://www.legislation.gov.uk/uksi/2013/1881/pdfs/uksi_20131881_en.pdf"],"researcher_record":{"ID / status":"S006 B","Issuer, direct official URL and exact portion read":"UK Treasury, S.I.2013/1881, Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013: art.1(2)–(6), arts.3–5, art.13 inserting business-order art.3E, art.60 grandfathering. PDF P0–P3 printed pp.1–4; P31–P32 printed pp.32–33; P68 printed p.69. https://www.legislation.gov.uk/uksi/2013/1881/pdfs/uksi_20131881_en.pdf","Version/effect; actor, debt and jurisdiction limits":"As-made enactment, central operative date 1 April 2014 subject to preparatory/transitional commencement. Historical group-licence provisions not general 2026 permission. UK including NI. \nSI20130726rvsdRAONo2130725"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S007","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s3"],"researcher_record":{"ID / status":"S007 B","Issuer, direct official URL and exact portion read":"FCA, PERG 2.3.1–2.3.3 “The business element”; nonprofit art.3E, occasional business and case factors. https://handbook.fca.org.uk/handbook/perg2/perg2s3","Version/effect; actor, debt and jurisdiction limits":"FCA G, current displayed version last updated 16 Sept 2026, future version indicated for 2027 (not yet operative). UK covered actors. \nPERG 2.3 The business element"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R004","scope":"Selected business-test guidance excerpt only, not full article3E or fullPERG2.3. Original occasional-only/nonprofit and2014 transition source remains partially unreopened.","version_and_limits":"Current returned FCA page excerpt, sparse selected read. Underlying2013amending body not newly reopened.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S008","urls":["https://handbook.fca.org.uk/handbook/perg17/perg17s2"],"researcher_record":{"ID / status":"S008 B","Issuer, direct official URL and exact portion read":"FCA, PERG 17.2 basic debt-counselling elements, borrower, particular credit debt and advice. https://handbook.fca.org.uk/handbook/perg17/perg17s2","Version/effect; actor, debt and jurisdiction limits":"FCA G, current interface viewed; UK including NI, particular credit/hire debt advice. \nhandbook.fca.org.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R005","scope":"Material PERG17.2 advice versus information gateway; not all17.3–17.6, judicial interpretation or algorithm/product-specific test.","version_and_limits":"FCA guidance as returned29October2026; current legislative reach/application not fully closed.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S009","urls":["https://handbook.fca.org.uk/handbook/perg17"],"researcher_record":{"ID / status":"S009 B","Issuer, direct official URL and exact portion read":"FCA, PERG 17 consolidated consumer-credit debt-counselling questions and examples, general information versus borrower-specific assessment. https://handbook.fca.org.uk/handbook/perg17","Version/effect; actor, debt and jurisdiction limits":"FCA G, 26 Oct 2026 access; UK covered debt advice. Guidance examples cannot settle unspecified software behaviour. \nPERG 17 Consumer credit debt counselling"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S010","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true"],"researcher_record":{"ID / status":"S010 B","Issuer, direct official URL and exact portion read":"FCA, PERG 2.4, link between regulated activities and the UK. https://handbook.fca.org.uk/handbook/perg2/perg2s4?timeline=true","Version/effect; actor, debt and jurisdiction limits":"FCA G, displayed current at access; UK territorial operation, overseas and NI services. No foreign-state licensing certification. \nhandbook.fca.org.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R006","scope":"Selected UK territorial gateway explanation. No overseas-fact scenario, full exclusions or foreign-law outcome assessed.","version_and_limits":"Current returned guidance excerpt; foreign/regional/application holds retained.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S011","urls":["https://handbook.fca.org.uk/handbook/sup12"],"researcher_record":{"ID / status":"S011 B","Issuer, direct official URL and exact portion read":"FCA, SUP 12, appointed representatives: responsibilities, contractual scope, oversight and relevant registration. https://handbook.fca.org.uk/handbook/sup12","Version/effect; actor, debt and jurisdiction limits":"Current FCA Handbook section as accessed; R/G depending provision. AR/principal route for activities lawfully eligible; UK including NI. \nSUP 12 Appointed representatives"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R007","scope":"Selected AR eligibility/credit-activity and principal-agreement excerpts. No whole SUP12, complete contract conditions or actual principal/AR register result.","version_and_limits":"FCA handbook selected excerpts; full current FSMA39 and actual contract untested.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S012","urls":["https://handbook.fca.org.uk/handbook/prof2/prof2s1"],"researcher_record":{"ID / status":"S012 B","Issuer, direct official URL and exact portion read":"FCA, PROF 2.1.1–2.1.14, FSMA ss.326–329, 332 professional-firm gateway and restrictions. https://handbook.fca.org.uk/handbook/prof2/prof2s1","Version/effect; actor, debt and jurisdiction limits":"FCA G; display last updated 23 Oct 2025 (subrules have own dates). UK designated professional bodies and regulated incidental services. \nhandbook.fca.org.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R008","scope":"Selected professional-exemption guidance only. Unread intervening and later conditions not certified complete; actual body-approved rules retained as hold.","version_and_limits":"FCA explanatory guidance, not complete current FSMA326–332 body or exact approved schedule.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S013","urls":["https://handbook.fca.org.uk/handbook/prof2/prof2s2?timeline=true"],"researcher_record":{"ID / status":"S013 B","Issuer, direct official URL and exact portion read":"FCA, PROF 2 Annex 1.1, designated bodies including Law Society of Northern Ireland and accountancy bodies. https://handbook.fca.org.uk/handbook/prof2/prof2s2?timeline=true","Version/effect; actor, debt and jurisdiction limits":"FCA G annex updated 6 July 2006; historic designation list—current applicability also conditional upon statutory/body rule changes. Not the NI insolvency RPB roster. \nhandbook.fca.org.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R009","scope":"Annex expressly lists LawSocietyNI as designated professional body, distinct from NI insolvencyRPB recognition. Historical designation list not a current licence/permissions roster.","version_and_limits":"Annex lastupdated6July2006; dated designation history. Retrieval2026does not make every current professional rule newly verified.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S014","urls":["https://handbook.fca.org.uk/handbook/fees3"],"researcher_record":{"ID / status":"S014 B","Issuer, direct official URL and exact portion read":"FCA, FEES 3 Annex 1, Part 2 activity groups CC1/CC2; Annex 1A pricing categories; FEES 3.2. https://handbook.fca.org.uk/handbook/fees3","Version/effect; actor, debt and jurisdiction limits":"Binding R fee provisions; Annex 1A last updated 2 July 2026: category 3 £1,130, category 6 £11,260. Application fees only, subject to category/other rules; UK including NI. \nhandbook.fca.org.uk\n+1"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R010","scope":"Complete selected CC1limitedpermission/NFP nofee and CC2categories3/6 mapping, plus corresponding category prices. Other activity combinations/classifications and applicant eligibility held.","version_and_limits":"Prices Annex1A effective2July2026; handbook broader lastupdate/future dates are separate. Applicationfee not customercharge or Part4Apermission definition.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S015","urls":["https://handbook.fca.org.uk/handbook/conc10"],"researcher_record":{"ID / status":"S015 B","Issuer, direct official URL and exact portion read":"FCA, CONC 10.1.1–10.1.6, 10.2.1–10.2.14, prudential-resource application, £1m nonprofit test, formula, £5k minimum, professional exception. https://handbook.fca.org.uk/handbook/conc10","Version/effect; actor, debt and jurisdiction limits":"Binding R versus marked G. Chapter shows last update 1 July 2014; current interface accessed 26 Oct 2026. Applicable UK debt-management firms including NI; not every debt adviser. \nhandbook.fca.org.uk\n+1"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R011","scope":"Complete selected10.1application/professional exclusion, solvency/ongoing resource rules, accounting-date base/tierformula/floor/newpermission projection and IPcapacity exclusion; greater15%recalculation and14daynotification. No full10.3capital eligibility or financial-accounting opinion. Incidental agency examples outside supplied report not recomputed/adopted.","version_and_limits":"FCA bindingR and interpretiveG labels distinguished, rules variously2014. £1mclient-money application threshold not same as relevant-debt denominator; professional50%income rule permits temporary≤5%variation.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S016","urls":["https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf"],"researcher_record":{"ID / status":"S016 B","Issuer, direct official URL and exact portion read":"UK Treasury, Payment Services Regulations 2017, regs.2, 4–5; Sch.1 Part 1 para.1(f), Part 2; Sch.3. PDF, P11–P14 printed approximately pp.12–15; P93–P96 printed pp.94–97 for capital/own funds. https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","Version/effect; actor, debt and jurisdiction limits":"As-made 2017, later changes not comprehensively consolidated here. Payment institutions, stand-alone remittance and exclusions; UK including NI. Not an automatic classification for DMP transfers. \nlegislation.gov.uk"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S017","urls":["https://handbook.fca.org.uk/handbook/perg15/perg15s2"],"researcher_record":{"ID / status":"S017 B","Issuer, direct official URL and exact portion read":"FCA, PERG 15.2 Q9, Q11–Q11B, payment activity as a business in its own right, ordinary ancillary DMP examples and dual FSMA/payment capacities. https://handbook.fca.org.uk/handbook/perg15/perg15s2","Version/effect; actor, debt and jurisdiction limits":"FCA G current accessed page; UK payment-service providers, including NI; fact-sensitive exception, not unconditional authorisation. \nPERG 15.2 General"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R012","scope":"Selected payment-provider framework, completeQ9 ancillary-versus-independent activity explanation, selectedQ11–11B categories. Not current fullPSRs2017 or all thresholds/exclusions.","version_and_limits":"FCA guidance as returned, underlying2017statutory amendments/authorisation/capital/safeguarding remain held.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S018","urls":["https://www.fca.org.uk/firms/apply-emoney-payment-institution"],"researcher_record":{"ID / status":"S018 B","Issuer, direct official URL and exact portion read":"FCA, Apply to become an electronic money or payment institution, application/registration gateway. https://www.fca.org.uk/firms/apply-emoney-payment-institution","Version/effect; actor, debt and jurisdiction limits":"FCA official page current accessed 26 Oct; webpage last-updated marker 20 Aug 2026. Payment providers, not every debt firm; procedural costs/details outside narrow pass. \nFCA"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S019","urls":["https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements"],"researcher_record":{"ID / status":"S019 B","Issuer, direct official URL and exact portion read":"FCA, Safeguarding requirements for EMIs and payment institutions, scope of payment-institution safeguards. https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements","Version/effect; actor, debt and jurisdiction limits":"FCA official page current at access; includes 2026 material, but no full client-money/safeguarding audit undertaken. UK including NI when payment gateway actually applies. \nFCA"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S020","urls":["https://www.legislation.gov.uk/nisi/1989/2405/2026-06-25/data.html"],"researcher_record":{"ID / status":"S020 F/I","Issuer, direct official URL and exact portion":"UK legislation publisher, Insolvency (Northern Ireland) Order 1989, S.I.1989/2405 (N.I.19), attempted full contemporary revision and narrower arts. 3, 208U, 227–236, 348–350. https://www.legislation.gov.uk/nisi/1989/2405/2026-06-25/data.html","Version/effect; actor, debt and jurisdiction limits":"26 Oct 2026 full-body fetch failed (timeout); separate article pages produced unsupported XHTML. Search-index extracts of 349 and 208U were viewed but not treated as body-read. Historical and subsequently amended text separately supported by S021–S032. This is an explicit current-consolidation gap. \nInternal Error\n+2"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S021","urls":["https://www.legislation.gov.uk/nia/2016/2/pdfs/nia_20160002_en.pdf"],"researcher_record":{"ID / status":"S021 B","Issuer, direct official URL and exact portion":"NI Assembly, Insolvency (Amendment) Act (Northern Ireland) 2016, ss.14–17; Schedule 2 transition paras.11–16; Schedule 3 paras.4–15; Schedule 4 repeal of arts.348A/351–354. PDF P13–P17, printed pp.10–14; P40–P44, printed pp.37–41. https://www.legislation.gov.uk/nia/2016/2/pdfs/nia_20160002_en.pdf","Version/effect; actor, debt and jurisdiction limits":"Enacted 29 Jan 2016; substantive provisions commenced separately, notably 2016 officeholder reform and repeal. NI only; authoritative amended statutory wording, not proof that every provision was effective at Royal Assent. \nlegislation.gov.uk\n+1"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R013","scope":"Enacted2016s14 inserts complete349A(1)–(3) and349B(1)–(10), including partnership-liability restrictions, later-awareness court/replacement routes and permitted period; selected repeal/savings schedules. No complete current1989Order/amendment/commencement chain or actual appointment.","version_and_limits":"48-page parsedPDF, headermetadata Draft but document cover2016CHAPTER2. Selected PDF13–15/printed9–11 and schedule pages as returned; no pixels. Enacted historical text only.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S022","urls":["https://www.legislation.gov.uk/nia/2010/16/pdfs/nia_20100016_en.pdf"],"researcher_record":{"ID / status":"S022 B","Issuer, direct official URL and exact portion":"NI Assembly, Debt Relief Act (Northern Ireland) 2010, s.1 introducing 1989 Order Part VIIA; arts.208A–208E and 208U, especially intermediary and competent authority. PDF P1–P4 printed pp.1–4; P15–P17 printed pp.15–17. https://www.legislation.gov.uk/nia/2010/16/pdfs/nia_20100016_en.pdf","Version/effect; actor, debt and jurisdiction limits":"As enacted 2010; commenced by separate instruments, not assumed immediately effective. NI DROs only. Later threshold/qualification amendments not audited in this narrow gateway. \nFront Cover of Act.doc\n+1"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R014","scope":"Entire selected208U(1)–(10), individualintermediary/competentauthority/charging boundary and ORdefinition. Not full208C–E or current amendedDROregime.","version_and_limits":"Enacted2010statute parsedPDF19–20 and definition vicinity; no current consolidated1989Order or2011licence-language reconciliation. No pixels.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S023","urls":["https://www.legislation.gov.uk/nisr/2011/15/pdfs/nisr_20110015_en.pdf?wrap=true"],"researcher_record":{"ID / status":"S023 B","Issuer, direct official URL and exact portion":"NI Department, Debt Relief Orders (Designation of Competent Authorities) Regulations (Northern Ireland) 2011, regs.2–10: designation, fit/proper body, restricted designation, individual intermediary approval, training/insurance/documents. PDF P0–P5, printed pp.1–6. https://www.legislation.gov.uk/nisr/2011/15/pdfs/nisr_20110015_en.pdf?wrap=true","Version/effect; actor, debt and jurisdiction limits":"As-made 2011. References to historic consumer-credit licensing require 2014/current-law reconciliation. NI DRO competent authorities and individual intermediaries. \nN4713_floating.doc\n+1"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S024","urls":["https://www.economy-ni.gov.uk/topics/debt-relief-orders"],"researcher_record":{"ID / status":"S024 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, Debt Relief Orders, discussion of Official Receiver, approved advisers and agency role, especially page sections “What is a debt relief order?” and “More information.” https://www.economy-ni.gov.uk/topics/debt-relief-orders","Version/effect; actor, debt and jurisdiction limits":"Live NI agency page accessed 26 Oct 2026; may include newer product eligibility thresholds not adopted in P01. NI public guidance, not a substitute for individual approval. \nDepartment for the Economy"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R015","scope":"AgencyDRO role explanation. Returned fullconsumer thresholds/asset/income amounts and duration are outside this narrow review and not certified or used to build scenarios.","version_and_limits":"Current official overview only, no exact personal eligibility or full statutory process.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S025","urls":["https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme"],"researcher_record":{"ID / status":"S025 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, List of competent authorities in relation to the debt relief scheme, publication metadata and designated-organisation document link. https://www.economy-ni.gov.uk/publications/list-competent-authorities-relation-debt-relief-scheme","Version/effect; actor, debt and jurisdiction limits":"Published 26 May 2015, last updated 22 Apr 2024. Page body-read, linked Word attachment not body-read. Thus names/completeness of the current list are not certified. \nDepartment for the Economy"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R016","scope":"Competent-authority list landingmetadata only. LinkedWordattachment/roster not opened.","version_and_limits":"2015publication updated22April2024; not accepted as complete current list or actual designation.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S026","urls":["https://www.legislation.gov.uk/nisr/2025/170/pdfs/nisr_20250170_en.pdf"],"researcher_record":{"ID / status":"S026 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, S.R.2025 No.170, Insolvency Practitioners (Recognised Professional Bodies) (Revocation of Recognition) (No.2) Order (NI), arts.1–2. PDF P0–P1, printed pp.1–2; explanatory P2, printed p.3. https://www.legislation.gov.uk/nisr/2025/170/pdfs/nisr_20250170_en.pdf","Version/effect; actor, debt and jurisdiction limits":"Effective 5 Nov 2025; removes Law Society of NI from NI insolvency RPB schedule. Not an FSMA s.326 designation repeal. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R017","scope":"Operative2025/170arts1–2 removeLawSocietyNIrecognition effective5November2025; explanatorynote separates background CAIrelandrevocation. No full current RPB roster.","version_and_limits":"4-page parsedSRPDF operativepage0/printed1 and note page1. No pixels; separate FSMA designation not repealed by this instrument.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S027","urls":["https://www.economy-ni.gov.uk/articles/insolvency-service-notice-revocation-recognition-institute-chartered-accountants-ireland-recognised-professional-body-economy-0"],"researcher_record":{"ID / status":"S027 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, Insolvency Service notice—revocation of recognition of the Institute of Chartered Accountants in Ireland as an RPB, paragraphs about art.350N and effective date. https://www.economy-ni.gov.uk/articles/insolvency-service-notice-revocation-recognition-institute-chartered-accountants-ireland-recognised-professional-body-economy-0","Version/effect; actor, debt and jurisdiction limits":"NI Department notice: 19 Feb 2025 effective; describes move of authorisations. The corresponding S.R.2025 No.19 was not separately body-read, a narrower evidentiary limit. \nDepartment for the Economy"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R018","scope":"Complete selected agencyrevocation notice, CAIreland effective19February2025 and reasons. No underlying2025/19body, no namedIP inquiry/list status.","version_and_limits":"Notice11February2025, historicaladministrative evidence; exactunderlyingorderbody held.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S028","urls":["https://www.economy-ni.gov.uk/publications/insolvency-service-notice-revocation-recognition-law-society-northern-ireland-recognised-professional-body"],"researcher_record":{"ID / status":"S028 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, Insolvency Service notice—Law Society NI RPB recognition revocation, art.350N notice/reasons. https://www.economy-ni.gov.uk/publications/insolvency-service-notice-revocation-recognition-law-society-northern-ireland-recognised-professional-body","Version/effect; actor, debt and jurisdiction limits":"Dated 5 Nov 2025; confirms practitioner transition, distinct from FCA designated-professional status. NI specific. \nDepartment for the Economy"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S029","urls":["https://www.legislation.gov.uk/nisr/2006/33/pdfs/nisr_20060033_en.pdf"],"researcher_record":{"ID / status":"S029 B","Issuer, direct official URL and exact portion":"NI Department, Insolvency Practitioners Regulations (Northern Ireland) 2006, especially regs.2, 6–10, 12 and Sch.2 paras.1–3. PDF P2–P5, printed pp.3–6; bond P11–P13, printed pp.12–14. https://www.legislation.gov.uk/nisr/2006/33/pdfs/nisr_20060033_en.pdf","Version/effect; actor, debt and jurisdiction limits":"As-made 2006, professional fitness/training and original £250k general-bond term; substantially amended after 2006, including S030. Historic officeholder qualification references cannot supersede 2016 reforms. \nN2491_floating.doc\n+1"},"coordinator_verification_status":"not_newly_reopened_original_hold_retained","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":null,"scope":"Originalsourcecell/access/versionholdretained;nonewsourcebodyread.","version_and_limits":"Originalrecordremainsauthorityforhistoricalaccessclaimonly;notfreshverification.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S030","urls":["https://www.legislation.gov.uk/nisr/2025/177/pdfs/nisr_20250177_en.pdf"],"researcher_record":{"ID / status":"S030 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, S.R.2025 No.177, Insolvency Practitioners (Amendment and Transitional Provisions) Regulations (NI) 2025, regs.1, 3–6, Sch.2 substituted bond terms. PDF P0–P3, printed pp.1–4. https://www.legislation.gov.uk/nisr/2025/177/pdfs/nisr_20250177_en.pdf","Version/effect; actor, debt and jurisdiction limits":"Operative 9 Dec 2025 with pre-1 Jan 2027 bond/appointment saving. NI IP fraud/dishonesty security, £750k prospective general penalty sum, not consumer-money guarantee. \nlegislation.gov.uk\n+1"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R019","scope":"Selected commencement/£750kGPS change, securityloss/expiry provisions and complete6pre2027bond-and-appointment saving including subsequentcapacity. No fullamended2006regulations, allbondclauses or compensation entitlement.","version_and_limits":"8-page PDF; selectedmaterialPDF0–3/printed1–4, not a4-pagewholePDF. Commencement9December2025 and pre2027saving distinct. No pixels.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S031","urls":["https://www.legislation.gov.uk/nia/2026/6/part/8/data.html"],"researcher_record":{"ID / status":"S031 B","Issuer, direct official URL and exact portion":"NI Assembly, Insolvency (Amendment) Act (NI) 2026, Part 8, s.93(1)–(6) repeal of fast-track voluntary arrangements and existing-case saving. https://www.legislation.gov.uk/nia/2026/6/part/8/data.html","Version/effect; actor, debt and jurisdiction limits":"Royal Assent 24 June 2026 is distinct from substantive commencement. NI s.93 commenced 16 Oct 2026 by S032. No PDF pagination for this HTML section. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R020","scope":"Entire selectedPart8s93 repeal plus6saving: specifieddocument AND statement suppliedbeforecommencement, not blanketpreservation of every oldcase.","version_and_limits":"2026Act sectionbody, not wholeAct or full1989consolidation.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S032","urls":["https://www.legislation.gov.uk/nisr/2026/180/made/data.html"],"researcher_record":{"ID / status":"S032 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, S.R.2026 No.180, Insolvency (Amendment) (2026 Act) (Commencement No.1 and Transitional Provisions) Order (NI) 2026, arts.2(1)–(2)(n),(s), 3–5. https://www.legislation.gov.uk/nisr/2026/180/made/data.html","Version/effect; actor, debt and jurisdiction limits":"Made 15 Oct, relevant provisions in force 16 Oct 2026; other provisions expressly future or commenced for preparatory/delegated purposes only. NI, no PDF pages for HTML. \nlegislation.gov.uk"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R021","scope":"Selectedcommencementorder2(1)date16October2026 and2(2)(n)s93; surroundingprovisionsreturnedbut no whole740lineorder/currentcaseorallcommencements opinion.","version_and_limits":"MadeSR2026/180 explicitcommencement, not publicationdate substitution.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S033","urls":["https://www.fca.org.uk/consumers/fca-firm-checker"],"researcher_record":{"ID / status":"S033 B","Issuer, direct official URL and exact portion":"FCA, FCA Firm Checker, guidance for confirming permitted financial service identity. https://www.fca.org.uk/consumers/fca-firm-checker","Version/effect; actor, debt and jurisdiction limits":"Public official guidance accessible 26 Oct 2026; consumer read-only lookup workflow described, not performed. UK including NI. \nFCA"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R022","scope":"Genericcheckerpurpose: authorisation/permission and risklimitations. No individual/entityquery or checkerresults.","version_and_limits":"Current FCApubliclanding; underlyingservice/actualpersonnotused.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S034","urls":["https://www.fca.org.uk/firms/financial-services-register"],"researcher_record":{"ID / status":"S034 B","Issuer, direct official URL and exact portion":"FCA, Financial Services Register, listing types and status/permissions information. https://www.fca.org.uk/firms/financial-services-register","Version/effect; actor, debt and jurisdiction limits":"Official register guidance accessed 26 Oct 2026. No person/firm record was queried. Registration and authorisation classes are not interchangeable. \nFCA"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R023","scope":"Genericregisterpurpose, current/historicalrecords, unauthorised/clonewarnings and rolecheckinstructions. No namedquery, paidextract, APIkey/use or actualpermissioncertification.","version_and_limits":"Page lastupdated13February2026; genericguidance only.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S035","urls":["https://www.economy-ni.gov.uk/services/find-insolvency-practitioner"],"researcher_record":{"ID / status":"S035 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, Find an insolvency practitioner, official directory search description. https://www.economy-ni.gov.uk/services/find-insolvency-practitioner","Version/effect; actor, debt and jurisdiction limits":"Live webpage accessed 26 Oct 2026; no search undertaken. Directory results may not by themselves establish officeholding in a particular case. \nDepartment for the Economy"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R024","scope":"NI find-IP landing/directorypurpose only. Underlyingsearch/list notopened; no realIPquery or freshreplication of optional-list warning.","version_and_limits":"Current agencylanding notexhaustiveauthorisationroster.","whole_source_or_current_law_accepted":false}},{"source_id":"C_NI-P01-S036","urls":["https://www.economy-ni.gov.uk/publications/sip-31-individual-voluntary-arrangements"],"researcher_record":{"ID / status":"S036 B","Issuer, direct official URL and exact portion":"NI Department for the Economy, Statement of Insolvency Practice 3.1—Individual Voluntary Arrangements, introductory official description of IP as adviser/nominee/supervisor. https://www.economy-ni.gov.uk/publications/sip-31-individual-voluntary-arrangements","Version/effect; actor, debt and jurisdiction limits":"Page published 1 July 2014; page body read, linked SIP PDF not read. This supports the NI IVA role distinction only; not a full 2026 procedures/conduct statement. \nDepartment for the Economy"},"coordinator_verification_status":"selected_primary_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;rawresearchercellsunchanged,nofreshverification.","coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","source_check_file":"[internal evidence reference]","read_id":"C_NI1-R025","scope":"NI SIP3.1 landingrolelist(adviser,nominee,supervisor), not full linkedPDF/currentSIPcomplianceconditions.","version_and_limits":"Published1July2014; legacylandingdoesnotcertifycurrentgoverningIVAprocedure.","whole_source_or_current_law_accepted":false}}],"coverage":[{"topic":"A01 A | Does UK FSMA/RAO apply to covered NI activity? Yes, subject to regulated activity, business, nexus and exceptions.","researcher_record":{"Row / status":"A01 A","Material question and answer boundary":"Does UK FSMA/RAO apply to covered NI activity? Yes, subject to regulated activity, business, nexus and exceptions.","Claims; primary sources":"C001; S001–S003, S010","Missing evidence and exact next retrieval/question":"For a given service: which conduct occurs in the UK? Obtain hypothetical activity map."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C001"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002","C_NI-P01-S003","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A02 A | What constitutes debtor-side negotiation? RAO 39D, distinct hire branch.","researcher_record":{"Row / status":"A02 A","Material question and answer boundary":"What constitutes debtor-side negotiation? RAO 39D, distinct hire branch.","Claims; primary sources":"C002; S003 art.39D","Missing evidence and exact next retrieval/question":"Particular authority/agency contract and credit instrument."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C002"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A03 A | What constitutes debtor-specific repayment advice? RAO 39E, credit and hire branches.","researcher_record":{"Row / status":"A03 A","Material question and answer boundary":"What constitutes debtor-specific repayment advice? RAO 39E, credit and hire branches.","Claims; primary sources":"C003; S003 art.39E, S008","Missing evidence and exact next retrieval/question":"Specific advice output and legal borrower identity."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C003"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S008"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A04 A | Is creditor-side collection the same permission? No; 39F separately defined.","researcher_record":{"Row / status":"A04 A","Material question and answer boundary":"Is creditor-side collection the same permission? No; 39F separately defined.","Claims; primary sources":"C004; S003 art.39F","Missing evidence and exact next retrieval/question":"Creditor/collector contract and 39H predicates."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C004"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A05 A | Is administering a DMP necessarily debt administration? No; 39G lender/owner rights test.","researcher_record":{"Row / status":"A05 A","Material question and answer boundary":"Is administering a DMP necessarily debt administration? No; 39G lender/owner rights test.","Claims; primary sources":"C005; S003 art.39G","Missing evidence and exact next retrieval/question":"Whose rights/duties does actor exercise?"},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C005"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A06 A | Are introductions always credit broking? No; 36A specifies covered credit/hire introductions and exclusions.","researcher_record":{"Row / status":"A06 A","Material question and answer boundary":"Are introductions always credit broking? No; 36A specifies covered credit/hire introductions and exclusions.","Claims; primary sources":"C006; S003 arts.36A–36F","Missing evidence and exact next retrieval/question":"Destination product, commission and actual referral role."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C006"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A07 P | Is credit repair a separate permission? 89A potentially; precise subactivity must be established.","researcher_record":{"Row / status":"A07 P","Material question and answer boundary":"Is credit repair a separate permission? 89A potentially; precise subactivity must be established.","Claims; primary sources":"C007; S003 art.89A references","Missing evidence and exact next retrieval/question":"Open current RAO 89A/89B and read each exclusion against credit-repair example."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C007"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A08 A | Can agreeing now to perform later matter? Potentially RAO 64.","researcher_record":{"Row / status":"A08 A","Material question and answer boundary":"Can agreeing now to perform later matter? Potentially RAO 64.","Claims; primary sources":"C008; S003 art.64","Missing evidence and exact next retrieval/question":"Exact engagement promise and whether future act is specified."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C008"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A09 A | What is “by way of business”? Statutory test plus 2001 Business Order, modified by specific activity and nonprofit provision.","researcher_record":{"Row / status":"A09 A","Material question and answer boundary":"What is “by way of business”? Statutory test plus 2001 Business Order, modified by specific activity and nonprofit provision.","Claims; primary sources":"C009–C010; S006 art.13, S007","Missing evidence and exact next retrieval/question":"Continuity, scale, commercial benefit and organisational constitution."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C009","C_NI-P01-C010"],"coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A10 A | Does a fee-free first meeting exempt a paid later service? No automatic exemption.","researcher_record":{"Row / status":"A10 A","Material question and answer boundary":"Does a fee-free first meeting exempt a paid later service? No automatic exemption.","Claims; primary sources":"C017; S007 PERG2.3","Missing evidence and exact next retrieval/question":"Whole sales funnel, indirect consideration and substantive advice."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C017"],"coordinator_source_ids":["C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A11 A | Are charities/free providers automatically outside? No, art.3E has a non-occasional deeming rule.","researcher_record":{"Row / status":"A11 A","Material question and answer boundary":"Are charities/free providers automatically outside? No, art.3E has a non-occasional deeming rule.","Claims; primary sources":"C010, C017; S006, S007","Missing evidence and exact next retrieval/question":"Frequency; constitution; actual authorised/exempt legal capacity."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C010","C_NI-P01-C017"],"coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A12 A | Is an individual borrower included? Yes, for qualifying credit-agreement activity.","researcher_record":{"Row / status":"A12 A","Material question and answer boundary":"Is an individual borrower included? Yes, for qualifying credit-agreement activity.","Claims; primary sources":"C011; S003 60L, S005 60B","Missing evidence and exact next retrieval/question":"Named borrower and underlying debt agreement."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C011"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A13 A | Do sole-trader business debts automatically escape? No; individual borrower and agreement exemptions are distinct tests.","researcher_record":{"Row / status":"A13 A","Material question and answer boundary":"Do sole-trader business debts automatically escape? No; individual borrower and agreement exemptions are distinct tests.","Claims; primary sources":"C011–C013, C049; S003, S005","Missing evidence and exact next retrieval/question":"Loan amount, date, business-use declaration, 39H/J overlap."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C011","C_NI-P01-C012","C_NI-P01-C013","C_NI-P01-C049"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A14 A | Which partnerships/unincorporated bodies are relevant? Statutory relevant-recipient definition, not every organisation.","researcher_record":{"Row / status":"A14 A","Material question and answer boundary":"Which partnerships/unincorporated bodies are relevant? Statutory relevant-recipient definition, not every organisation.","Claims; primary sources":"C011; S003 art.60L","Missing evidence and exact next retrieval/question":"Number/type of partners and actual borrower."},"raw_table_index":13,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C011"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q001"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A15 A | Are all corporate company debts covered by 39D/E? No, company-alone branch needs other authority.","researcher_record":{"Row / status":"A15 A","Material question and answer boundary":"Are all corporate company debts covered by 39D/E? No, company-alone branch needs other authority.","Claims; primary sources":"C011–C012; S003, S005","Missing evidence and exact next retrieval/question":"Any separate individual borrowing/guarantee or other activity."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C011","C_NI-P01-C012"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A16 P | Joint borrower, guarantor, third-party payer? Only actual statutory borrower/hirer status decides 39E; beneficiary/agent may matter for 39D.","researcher_record":{"Row / status":"A16 P","Material question and answer boundary":"Joint borrower, guarantor, third-party payer? Only actual statutory borrower/hirer status decides 39E; beneficiary/agent may matter for 39D.","Claims; primary sources":"C014; S003 39D/E, 60L","Missing evidence and exact next retrieval/question":"Current creditor agreement, guarantee and agency facts; reconcile each branch."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C014"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A17 A | Secured/unsecured/hire debts one category? No; hire and home-finance overlaps differ.","researcher_record":{"Row / status":"A17 A","Material question and answer boundary":"Secured/unsecured/hire debts one category? No; hire and home-finance overlaps differ.","Claims; primary sources":"C002–C005, C015; S003, S005","Missing evidence and exact next retrieval/question":"Mortgage contract type and security instrument."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C002","C_NI-P01-C003","C_NI-P01-C004","C_NI-P01-C005","C_NI-P01-C015"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A18 A | Are exempt lending agreements necessarily excluded from advice? No; “credit” versus “regulated credit” text differs.","researcher_record":{"Row / status":"A18 A","Material question and answer boundary":"Are exempt lending agreements necessarily excluded from advice? No; “credit” versus “regulated credit” text differs.","Claims; primary sources":"C012–C013, C049; S003, S005","Missing evidence and exact next retrieval/question":"Apply every relevant 39H/39J and specific contract exception."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C012","C_NI-P01-C013","C_NI-P01-C049"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A19 P | Are tax/rent/support/fines/utility bills necessarily FCA debt advice? Not merely by label.","researcher_record":{"Row / status":"A19 P","Material question and answer boundary":"Are tax/rent/support/fines/utility bills necessarily FCA debt advice? Not merely by label.","Claims; primary sources":"C050; S003, S005","Missing evidence and exact next retrieval/question":"Test actual underlying agreement and any other sector authorisation."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C050"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A20 A | Did consumer-credit perimeter start merely at 2013 enactment? No; substantial transition on 1 Apr 2014.","researcher_record":{"Row / status":"A20 A","Material question and answer boundary":"Did consumer-credit perimeter start merely at 2013 enactment? No; substantial transition on 1 Apr 2014.","Claims; primary sources":"C009, C046; S006","Missing evidence and exact next retrieval/question":"Historical firm-specific interim permission, if ever relevant."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C009","C_NI-P01-C046"],"coordinator_source_ids":["C_NI-P01-S006"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A21 P | Is every RAO 39D–39L 2026 amendment independently accounted for? No, 2025 whole-part body and some 2026 narrower provisions read.","researcher_record":{"Row / status":"A21 P","Material question and answer boundary":"Is every RAO 39D–39L 2026 amendment independently accounted for? No, 2025 whole-part body and some 2026 narrower provisions read.","Claims; primary sources":"C002–C008; S003–S005","Missing evidence and exact next retrieval/question":"Retrieve accessible full amended Part II as at 26 Oct 2026, compare legislative changes after 15 Jul 2025 provision-by-provision."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C002","C_NI-P01-C003","C_NI-P01-C004","C_NI-P01-C005","C_NI-P01-C006","C_NI-P01-C007","C_NI-P01-C008"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S004","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A22 A | Is 2026 publication the same as commencement? No; 2026 NI Act and order have separate dated operative provisions.","researcher_record":{"Row / status":"A22 A","Material question and answer boundary":"Is 2026 publication the same as commencement? No; 2026 NI Act and order have separate dated operative provisions.","Claims; primary sources":"C039; S031–S032","Missing evidence and exact next retrieval/question":"For additional 2026 sections, read each appointed commencement and saving before asserting operation."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C039"],"coordinator_source_ids":["C_NI-P01-S031","C_NI-P01-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"A23 U | Are there further specialised trade/sector gateways for noncredit debt advice not captured here? Not determined.","researcher_record":{"Row / status":"A23 U","Material question and answer boundary":"Are there further specialised trade/sector gateways for noncredit debt advice not captured here? Not determined.","Claims; primary sources":"C050; S003 scope boundary","Missing evidence and exact next retrieval/question":"Next narrow provider pass: classify any proposed pension, investment, mortgage, housing, tax or immigration advice against its own operative instrument."},"raw_table_index":13,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C050"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"U","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B01 A | Paid commercial debtor-side firm: 39D/E and appropriate FCA route, not a generic debt licence.","researcher_record":{"Row / status":"B01 A","Material question and answer boundary":"Paid commercial debtor-side firm: 39D/E and appropriate FCA route, not a generic debt licence.","Claims; primary sources":"C001–C003, C023; S001–S003, S014","Missing evidence and next question":"Who is the contracting legal person; which permissions?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C001","C_NI-P01-C002","C_NI-P01-C003","C_NI-P01-C023"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002","C_NI-P01-S003","C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B02 A | Not-for-profit/charity/free advice: no blanket immunity; art.3E.","researcher_record":{"Row / status":"B02 A","Material question and answer boundary":"Not-for-profit/charity/free advice: no blanket immunity; art.3E.","Claims; primary sources":"C010, C017; S006–S007","Missing evidence and next question":"Is activity occasional only; which entity and authorised/exempt status?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C010","C_NI-P01-C017"],"coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B03 P | Government-funded or public adviser: no general “public sector” exemption established.","researcher_record":{"Row / status":"B03 P","Material question and answer boundary":"Government-funded or public adviser: no general “public sector” exemption established.","Claims; primary sources":"C018; S003 72G, S004 art.3","Missing evidence and next question":"What is exact public body and its enabling function?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C018"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S004"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B04 A | NI district council as local authority: 72G specified exclusions.","researcher_record":{"Row / status":"B04 A","Material question and answer boundary":"NI district council as local authority: 72G specified exclusions.","Claims; primary sources":"C018; S003, S004","Missing evidence and next question":"Is the actor the council itself or a separate subsidiary/contractor?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C018"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S004"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B05 A | Solicitor litigation/advocacy: 39K specific branch.","researcher_record":{"Row / status":"B05 A","Material question and answer boundary":"Solicitor litigation/advocacy: 39K specific branch.","Claims; primary sources":"C019; S003 art.39K","Missing evidence and next question":"Is actual activity advocacy/litigation?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C019"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B06 P | Solicitor/accountant non-litigious professional services: conditional FSMA s.327 and body rules.","researcher_record":{"Row / status":"B06 P","Material question and answer boundary":"Solicitor/accountant non-litigious professional services: conditional FSMA s.327 and body rules.","Claims; primary sources":"C020; S001, S012–S013","Missing evidence and next question":"Read current specific designated body's approved s.332 rules for the service."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C020"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S012","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B07 A | Creditor collecting own debt: 39H, regulated creditor/lender-rights branch and exceptions.","researcher_record":{"Row / status":"B07 A","Material question and answer boundary":"Creditor collecting own debt: 39H, regulated creditor/lender-rights branch and exceptions.","Claims; primary sources":"C016; S003 39H, S005 60B(2)","Missing evidence and next question":"Original ownership and whether any work is for another lender."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C016"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B08 P | Debt buyer/acquirer: role and rights can cross 60B(2), 39F/G.","researcher_record":{"Row / status":"B08 P","Material question and answer boundary":"Debt buyer/acquirer: role and rights can cross 60B(2), 39F/G.","Claims; primary sources":"C004–C005, C016; S003, S005","Missing evidence and next question":"Assignment, servicing, original agreement and exemption predicates."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C004","C_NI-P01-C005","C_NI-P01-C016"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B09 A | Independent creditor collector: creditor-side permission distinct from borrower-side counselling.","researcher_record":{"Row / status":"B09 A","Material question and answer boundary":"Independent creditor collector: creditor-side permission distinct from borrower-side counselling.","Claims; primary sources":"C004–C005; S003 39F/G","Missing evidence and next question":"Exact engagement and lender/owner principal."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C004","C_NI-P01-C005"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B10 A | Referrer/publisher/software: activity and remuneration control, not label.","researcher_record":{"Row / status":"B10 A","Material question and answer boundary":"Referrer/publisher/software: activity and remuneration control, not label.","Claims; primary sources":"C006–C008, C043; S003, S008–S009","Missing evidence and next question":"Actual information/advice interface and referral contracts."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C006","C_NI-P01-C007","C_NI-P01-C008","C_NI-P01-C043"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S008","C_NI-P01-S009"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B11 A | Ancillary DMP payment distributor: not automatically PSR payment business.","researcher_record":{"Row / status":"B11 A","Material question and answer boundary":"Ancillary DMP payment distributor: not automatically PSR payment business.","Claims; primary sources":"C026; S016–S017","Missing evidence and next question":"Service independence and fund-flow arrangements."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C026"],"coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B12 P | Independent payment remitter: another gateway may apply.","researcher_record":{"Row / status":"B12 P","Material question and answer boundary":"Independent payment remitter: another gateway may apply.","Claims; primary sources":"C027; S016–S019","Missing evidence and next question":"Current PSR authorisation/registration amendments and specific arrangement."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C027"],"coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017","C_NI-P01-S018","C_NI-P01-S019"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B13 A | Statutory IP: 72H capacity-limited and separate 349A appointment.","researcher_record":{"Row / status":"B13 A","Material question and answer boundary":"Statutory IP: 72H capacity-limited and separate 349A appointment.","Claims; primary sources":"C021, C032, C047; S003, S021","Missing evidence and next question":"Which individual and case capacity?"},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C021","C_NI-P01-C032","C_NI-P01-C047"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S021"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B14 A | Appointed representative: principal-based s.39/SUP12.","researcher_record":{"Row / status":"B14 A","Material question and answer boundary":"Appointed representative: principal-based s.39/SUP12.","Claims; primary sources":"C022; S001, S011","Missing evidence and next question":"Actual AR contract, principal permission and covered activity."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C022"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S011"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"B15 P | Special public agency/charity undertaking only NI DRO-approved work: separate 208U authority, not universal FCA exclusion.","researcher_record":{"Row / status":"B15 P","Material question and answer boundary":"Special public agency/charity undertaking only NI DRO-approved work: separate 208U authority, not universal FCA exclusion.","Claims; primary sources":"C036; S022–S025","Missing evidence and next question":"Does it also give other debt advice? Check 72H/other actual exemption separately."},"raw_table_index":14,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S022","C_NI-P01-S023","C_NI-P01-S024","C_NI-P01-S025"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C01 A | FCA authorisation belongs to appropriate legal person, with named activity permission.","researcher_record":{"Row / status":"COV-C01 A","Material question and answer boundary":"FCA authorisation belongs to appropriate legal person, with named activity permission.","Claims; primary sources":"C001, C023; S001, S014","Missing evidence and next question":"Exact firm/entity and restricted permission."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C001","C_NI-P01-C023"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C02 A | FCA full/limited and DMP distinctions materially affect applicant classification.","researcher_record":{"Row / status":"COV-C02 A","Material question and answer boundary":"FCA full/limited and DMP distinctions materially affect applicant classification.","Claims; primary sources":"C023, C025; S014 Annex1","Missing evidence and next question":"Apply regulatory activity group and permitted restrictions to an actual business model."},"raw_table_index":15,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C023","C_NI-P01-C025"],"coordinator_source_ids":["C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q002"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C03 A | AR is exemption through authorised principal/contract for eligible activities, not free-standing licence.","researcher_record":{"Row / status":"COV-C03 A","Material question and answer boundary":"AR is exemption through authorised principal/contract for eligible activities, not free-standing licence.","Claims; primary sources":"C022; S001 s.39, S011","Missing evidence and next question":"Which regulated act in principal's permission and AR contract?"},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C022"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S011"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C04 P | Exempt professional firm has designated professional body/approved rules/incidental capacity predicates.","researcher_record":{"Row / status":"COV-C04 P","Material question and answer boundary":"Exempt professional firm has designated professional body/approved rules/incidental capacity predicates.","Claims; primary sources":"C020; S012–S013","Missing evidence and next question":"Read actual current NI solicitor/accountancy body permitted-activity schedule."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C020"],"coordinator_source_ids":["C_NI-P01-S012","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C05 A | NI insolvency-practitioner authorisation is individual, potentially partial by company/individual scope.","researcher_record":{"Row / status":"COV-C05 A","Material question and answer boundary":"NI insolvency-practitioner authorisation is individual, potentially partial by company/individual scope.","Claims; primary sources":"C032–C033; S021 s.14","Missing evidence and next question":"Individual licence and authorising RPB currentness."},"raw_table_index":15,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C032","C_NI-P01-C033"],"coordinator_source_ids":["C_NI-P01-S021"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q004"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C06 A | NI DRO competent authority designation differs from individual intermediary approval.","researcher_record":{"Row / status":"COV-C06 A","Material question and answer boundary":"NI DRO competent authority designation differs from individual intermediary approval.","Claims; primary sources":"C036; S022 208U, S023 regs.3–10","Missing evidence and next question":"Current competent authority and individual approval status, hypothetically."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S022","C_NI-P01-S023"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C07 P | Fitness, experience, training and qualifications for NI officeholders/advisers: meaningful regulations exist, but post-2016 consolidation must be applied.","researcher_record":{"Row / status":"COV-C07 P","Material question and answer boundary":"Fitness, experience, training and qualifications for NI officeholders/advisers: meaningful regulations exist, but post-2016 consolidation must be applied.","Claims; primary sources":"C032–C036; S021, S023, S029","Missing evidence and next question":"Reconcile revised Article349A with amended 2006 fitness regulations; reconcile obsolete 2011 CCA licence language."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C032","C_NI-P01-C033","C_NI-P01-C034","C_NI-P01-C035","C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S023","C_NI-P01-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C08 P | NI DRO intermediary public-liability/indemnity insurance appears in 2011 regs.8–9.","researcher_record":{"Row / status":"COV-C08 P","Material question and answer boundary":"NI DRO intermediary public-liability/indemnity insurance appears in 2011 regs.8–9.","Claims; primary sources":"C036; S023 regs.8–9","Missing evidence and next question":"Read 2026 revised text and ensure exact policy coverage/amount; no universal numeric PII figure adopted."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S023"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C09 A | Debt-management CONC10 financial resources and £5k floor/proportional formula are distinct from compensation/client funds.","researcher_record":{"Row / status":"COV-C09 A","Material question and answer boundary":"Debt-management CONC10 financial resources and £5k floor/proportional formula are distinct from compensation/client funds.","Claims; primary sources":"C024; S015 10.1–10.2","Missing evidence and next question":"For a hypothetical firm, calculate relevant debts and other higher requirement."},"raw_table_index":15,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C024"],"coordinator_source_ids":["C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q003"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C10 A | £1m client-money threshold for certain not-for-profit bodies affects CONC10 application.","researcher_record":{"Row / status":"COV-C10 A","Material question and answer boundary":"£1m client-money threshold for certain not-for-profit bodies affects CONC10 application.","Claims; primary sources":"C041; S015 10.1.1","Missing evidence and next question":"Twelve-month actual/projection and statutory “client money” treatment."},"raw_table_index":15,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C041"],"coordinator_source_ids":["C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q003"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C11 A | 2026 FCA applicant categories 3/6 have specified prices, not customer fees.","researcher_record":{"Row / status":"COV-C11 A","Material question and answer boundary":"2026 FCA applicant categories 3/6 have specified prices, not customer fees.","Claims; primary sources":"C025; S014 Annex1/1A","Missing evidence and next question":"Multi-activity grouping, permission limit, not-for-profit fee exception."},"raw_table_index":15,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C025"],"coordinator_source_ids":["C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q002"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C12 A | NI IP bond now has £750k new standard subject to express pre-2027 saving.","researcher_record":{"Row / status":"COV-C12 A","Material question and answer boundary":"NI IP bond now has £750k new standard subject to express pre-2027 saving.","Claims; primary sources":"C040; S029–S030","Missing evidence and next question":"Bond issue/appointment dates and whether relevant loss within cover."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C040"],"coordinator_source_ids":["C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C13 P | Further PII, minimum liquidity, bonding or security for other actor categories cannot be assumed.","researcher_record":{"Row / status":"COV-C13 P","Material question and answer boundary":"Further PII, minimum liquidity, bonding or security for other actor categories cannot be assumed.","Claims; primary sources":"C024, C027, C036, C040; S015–S016, S023, S030","Missing evidence and next question":"Identify exact regulated activity and source of each proposed financial safeguard; retrieve its operative schedule."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C024","C_NI-P01-C027","C_NI-P01-C036","C_NI-P01-C040"],"coordinator_source_ids":["C_NI-P01-S015","C_NI-P01-S016","C_NI-P01-S023","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C14 A | Historic 2014 consumer-credit permission route exists but is not proof of present firm authorisation.","researcher_record":{"Row / status":"COV-C14 A","Material question and answer boundary":"Historic 2014 consumer-credit permission route exists but is not proof of present firm authorisation.","Claims; primary sources":"C009, C046; S006 art.60, S034","Missing evidence and next question":"Modern FCA register legal entity/permission, hypothetically."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C009","C_NI-P01-C046"],"coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C15 P | FCA accountable management, fitness, competence and threshold conditions apply according to permission and firm type.","researcher_record":{"Row / status":"COV-C15 P","Material question and answer boundary":"FCA accountable management, fitness, competence and threshold conditions apply according to permission and firm type.","Claims; primary sources":"C023–C024; S001, S002, S015","Missing evidence and next question":"Read current COND/SYSC/SMCR-specific provisions for a defined firm; no invented single named responsible-person requirement."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C023","C_NI-P01-C024"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002","C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"COV-C16 P | Payment institution may have separate initial-capital/safeguard requirements, conditional on PSR activity.","researcher_record":{"Row / status":"COV-C16 P","Material question and answer boundary":"Payment institution may have separate initial-capital/safeguard requirements, conditional on PSR activity.","Claims; primary sources":"C026–C027; S016–S019","Missing evidence and next question":"Confirm exact 2026 amended PSR Sch.3 capital and applicable provider classification; no sum transferred to an ordinary DMP firm."},"raw_table_index":15,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C026","C_NI-P01-C027"],"coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017","C_NI-P01-S018","C_NI-P01-S019"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D01 A | NI lies inside UK FSMA geographic frame.","researcher_record":{"Row / status":"D01 A","Material question and answer boundary":"NI lies inside UK FSMA geographic frame.","Claims; primary sources":"C001, C028; S001 s.19, S010","Missing evidence and next question":"Where do particular regulated acts occur?"},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C001","C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D02 A | Rest-of-UK provider into NI: UK FCA classification remains possible; NI statutory role separately governed.","researcher_record":{"Row / status":"D02 A","Material question and answer boundary":"Rest-of-UK provider into NI: UK FCA classification remains possible; NI statutory role separately governed.","Claims; primary sources":"C028, C031–C038; S010, S021–S023","Missing evidence and next question":"Is service financial, insolvency officeholding or both?"},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028","C_NI-P01-C031","C_NI-P01-C032","C_NI-P01-C033","C_NI-P01-C034","C_NI-P01-C035","C_NI-P01-C036","C_NI-P01-C037","C_NI-P01-C038"],"coordinator_source_ids":["C_NI-P01-S010","C_NI-P01-S021","C_NI-P01-S022","C_NI-P01-S023"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D03 P | Foreign provider into NI via online/telephone: no automatic nonresident exemption.","researcher_record":{"Row / status":"D03 P","Material question and answer boundary":"Foreign provider into NI via online/telephone: no automatic nonresident exemption.","Claims; primary sources":"C028; S003 art.72, S010 PERG2.4","Missing evidence and next question":"Actual acts, agents, UK establishment and relevant RAO territorial exclusions."},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D04 P | NI provider helping debtor abroad: NI place of carrying on business can matter; foreign regulatory permissions not resolved.","researcher_record":{"Row / status":"D04 P","Material question and answer boundary":"NI provider helping debtor abroad: NI place of carrying on business can matter; foreign regulatory permissions not resolved.","Claims; primary sources":"C028; S001, S010","Missing evidence and next question":"Map acts in UK; A098 foreign state requirements separately."},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D05 A | Website/telephone medium itself does not decide regulated activity.","researcher_record":{"Row / status":"D05 A","Material question and answer boundary":"Website/telephone medium itself does not decide regulated activity.","Claims; primary sources":"C028, C043; S008–S010","Missing evidence and next question":"Degree of personalised advice and who supplies it."},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028","C_NI-P01-C043"],"coordinator_source_ids":["C_NI-P01-S008","C_NI-P01-S009","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D06 P | Offshore affiliate, call-centre agent, introducer: actor-by-actor UK link necessary.","researcher_record":{"Row / status":"D06 P","Material question and answer boundary":"Offshore affiliate, call-centre agent, introducer: actor-by-actor UK link necessary.","Claims; primary sources":"C006, C022, C028; S003, S010–S011","Missing evidence and next question":"Agency/contracts, payments, attribution, actual location."},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C006","C_NI-P01-C022","C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S010","C_NI-P01-S011"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D07 P | Any specific treaty/overseas-person exemption for an identified nonstandard activity? Only if exact law allows.","researcher_record":{"Row / status":"D07 P","Material question and answer boundary":"Any specific treaty/overseas-person exemption for an identified nonstandard activity? Only if exact law allows.","Claims; primary sources":"C028; S003 art.72","Missing evidence and next question":"Read exemption for the specific activity; 39D/E cannot borrow unrelated art.72 limb."},"raw_table_index":16,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"D08 D | Foreign recognition, creditor law, judgment enforcement and assets/migration.","researcher_record":{"Row / status":"D08 D","Material question and answer boundary":"Foreign recognition, creditor law, judgment enforcement and assets/migration.","Claims; primary sources":"C028 boundary; S010","Missing evidence and next question":"A098: What foreign law governs the identified debtor/creditor/asset and recognition event?"},"raw_table_index":16,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":["C_NI-P01-C028"],"coordinator_source_ids":["C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E01 A | Is legal identity more reliable than brand name? Yes for register matching.","researcher_record":{"Row / status":"E01 A","Verification question":"Is legal identity more reliable than brand name? Yes for register matching.","Claims; official sources":"C030; S033–S034","Missing evidence and next check":"Precise legal entity, trading name and signing party."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C030"],"coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E02 A | Is an FCA listing enough? No; must inspect exact permission, status and restriction.","researcher_record":{"Row / status":"E02 A","Verification question":"Is an FCA listing enough? No; must inspect exact permission, status and restriction.","Claims; official sources":"C023, C030, C044; S033–S034","Missing evidence and next check":"Activity-to-permission match at relevant engagement date."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C023","C_NI-P01-C030","C_NI-P01-C044"],"coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E03 A | What about AR? Match AR and principal, permitted contracted activity.","researcher_record":{"Row / status":"E03 A","Verification question":"What about AR? Match AR and principal, permitted contracted activity.","Claims; official sources":"C022, C030; S011, S034","Missing evidence and next check":"Principal permission and representation contract."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C022","C_NI-P01-C030"],"coordinator_source_ids":["C_NI-P01-S011","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E04 P | Exempt professional firm: body listing alone insufficient.","researcher_record":{"Row / status":"E04 P","Verification question":"Exempt professional firm: body listing alone insufficient.","Claims; official sources":"C020; S012–S013","Missing evidence and next check":"Firm's designated-body exempt status and current rule permitted acts."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C020"],"coordinator_source_ids":["C_NI-P01-S012","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E05 A | Separate payments register class may be necessary when independently remitting.","researcher_record":{"Row / status":"E05 A","Verification question":"Separate payments register class may be necessary when independently remitting.","Claims; official sources":"C026–C027; S016–S018, S034","Missing evidence and next check":"Determine payment service first, then correct FCA category."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C026","C_NI-P01-C027"],"coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017","C_NI-P01-S018","C_NI-P01-S034"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E06 P | NI insolvency practitioner directory: useful but not complete proof.","researcher_record":{"Row / status":"E06 P","Verification question":"NI insolvency practitioner directory: useful but not complete proof.","Claims; official sources":"C032–C035; S026–S028, S035","Missing evidence and next check":"Authorising RPB, individual licence, limited capacity, actual appointment."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C032","C_NI-P01-C033","C_NI-P01-C034","C_NI-P01-C035"],"coordinator_source_ids":["C_NI-P01-S026","C_NI-P01-S027","C_NI-P01-S028","C_NI-P01-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E07 P | NI DRO body list: organisation status does not certify each adviser.","researcher_record":{"Row / status":"E07 P","Verification question":"NI DRO body list: organisation status does not certify each adviser.","Claims; official sources":"C036; S023–S025","Missing evidence and next check":"Linked authority roster attachment and individual approval."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S023","C_NI-P01-S024","C_NI-P01-S025"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E08 A | Have actual entities/people/cases been checked? No; all procedures were hypothetical.","researcher_record":{"Row / status":"E08 A","Verification question":"Have actual entities/people/cases been checked? No; all procedures were hypothetical.","Claims; official sources":"C030, C044; S033–S035","Missing evidence and next check":"No additional real-case lookup within authorisation."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C030","C_NI-P01-C044"],"coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S035"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"E09 A | Does authorisation prove settlement/debt release? No.","researcher_record":{"Row / status":"E09 A","Verification question":"Does authorisation prove settlement/debt release? No.","Claims; official sources":"C044; S033–S034, S036","Missing evidence and next check":"Later contract/creditor assent and remedy dossier; outside P01."},"raw_table_index":17,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C044"],"coordinator_source_ids":["C_NI-P01-S033","C_NI-P01-S034","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F01 A | Private voluntary negotiation is not itself statutory NI IVA/DRO.","researcher_record":{"Row / status":"F01 A","NI gateway issue and limited finding":"Private voluntary negotiation is not itself statutory NI IVA/DRO.","Claims; primary sources":"C048; S021–S022, S036","Missing evidence and exact next question":"Does provider claim a specific statutory office or only consensual negotiating authority?"},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C048"],"coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S022","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F02 P | NI IVA nominee/supervisor and Part VIII authority identified.","researcher_record":{"Row / status":"F02 P","NI gateway issue and limited finding":"NI IVA nominee/supervisor and Part VIII authority identified.","Claims; primary sources":"C031–C032, C042; S020–S021, S036","Missing evidence and exact next question":"Obtain current amended 1989 Order 227–236 body and current NI IVA rules before procedural claims."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C031","C_NI-P01-C032","C_NI-P01-C042"],"coordinator_source_ids":["C_NI-P01-S020","C_NI-P01-S021","C_NI-P01-S036"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F03 A | NI insolvency practitioner is individual with appropriate/partial authorisation.","researcher_record":{"Row / status":"F03 A","NI gateway issue and limited finding":"NI insolvency practitioner is individual with appropriate/partial authorisation.","Claims; primary sources":"C032–C033; S021 s.14, S029–S030","Missing evidence and exact next question":"Exact individual scope and current RPB confirmation."},"raw_table_index":18,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C032","C_NI-P01-C033"],"coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q004"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F04 A | 2016 repeal of alternative authorisation under 348A.","researcher_record":{"Row / status":"F04 A","NI gateway issue and limited finding":"2016 repeal of alternative authorisation under 348A.","Claims; primary sources":"C042; S021 Sch.3/4","Missing evidence and exact next question":"Verify commencement annotations if evaluating a historic appointment."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C042"],"coordinator_source_ids":["C_NI-P01-S021"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F05 P | NI DRO Official Receiver and approved intermediary/competent authority roles established.","researcher_record":{"Row / status":"F05 P","NI gateway issue and limited finding":"NI DRO Official Receiver and approved intermediary/competent authority roles established.","Claims; primary sources":"C036–C037; S022–S025","Missing evidence and exact next question":"Current approved-intermediary roster and 2011 licence-language reconciliation."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036","C_NI-P01-C037"],"coordinator_source_ids":["C_NI-P01-S022","C_NI-P01-S023","C_NI-P01-S024","C_NI-P01-S025"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F06 P | NI bankruptcy High Court/Official Receiver/trustee boundary established, not full procedure.","researcher_record":{"Row / status":"F06 P","NI gateway issue and limited finding":"NI bankruptcy High Court/Official Receiver/trustee boundary established, not full procedure.","Claims; primary sources":"C038; S021, S029","Missing evidence and exact next question":"Read current 1989 Order Part IX/NI rules only in later bankruptcy pass."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C038"],"coordinator_source_ids":["C_NI-P01-S021","C_NI-P01-S029"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F07 A | Law Society NI insolvency RPB recognition revoked 5 Nov 2025.","researcher_record":{"Row / status":"F07 A","NI gateway issue and limited finding":"Law Society NI insolvency RPB recognition revoked 5 Nov 2025.","Claims; primary sources":"C034; S026, S028","Missing evidence and exact next question":"Distinguish retained FSMA designated-professional function, then verify individual alternative RPB."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C034"],"coordinator_source_ids":["C_NI-P01-S026","C_NI-P01-S028"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F08 P | Chartered Accountants Ireland NI insolvency RPB recognition revoked 19 Feb 2025.","researcher_record":{"Row / status":"F08 P","NI gateway issue and limited finding":"Chartered Accountants Ireland NI insolvency RPB recognition revoked 19 Feb 2025.","Claims; primary sources":"C035; S027, plus S026 history","Missing evidence and exact next question":"Retrieve and body-read S.R.2025 No.19 for direct independent enactment confirmation."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C035"],"coordinator_source_ids":["C_NI-P01-S027","C_NI-P01-S026"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F09 P | Exhaustive current NI recognised professional bodies not established solely by old agency lists.","researcher_record":{"Row / status":"F09 P","NI gateway issue and limited finding":"Exhaustive current NI recognised professional bodies not established solely by old agency lists.","Claims; primary sources":"C033–C035, C045; S020–S021, S026–S028","Missing evidence and exact next question":"Read S.R.1991 No.301 consolidated Schedule and every applicable 2022/2025 amendment."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C033","C_NI-P01-C034","C_NI-P01-C035","C_NI-P01-C045"],"coordinator_source_ids":["C_NI-P01-S020","C_NI-P01-S021","C_NI-P01-S026","C_NI-P01-S027","C_NI-P01-S028"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F10 A | 2026 fast-track voluntary arrangements repealed for new cases 16 Oct 2026, existing-submission saving.","researcher_record":{"Row / status":"F10 A","NI gateway issue and limited finding":"2026 fast-track voluntary arrangements repealed for new cases 16 Oct 2026, existing-submission saving.","Claims; primary sources":"C039; S031 s.93, S032 art.2(2)(n)","Missing evidence and exact next question":"For historic cases only: was 237B(1) submission made before operative date? No actual case checked."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C039"],"coordinator_source_ids":["C_NI-P01-S031","C_NI-P01-S032"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F11 A | NI IP general bond changed in 2025 with express transitional saving.","researcher_record":{"Row / status":"F11 A","NI gateway issue and limited finding":"NI IP general bond changed in 2025 with express transitional saving.","Claims; primary sources":"C040; S029–S030","Missing evidence and exact next question":"Determine bond/appointment dates; no case, claim or insurance lookup."},"raw_table_index":18,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C040"],"coordinator_source_ids":["C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"F12 D | IVA/DRO/bankruptcy eligibility, procedure, distribution, discharge, tax and cost are not answered.","researcher_record":{"Row / status":"F12 D","NI gateway issue and limited finding":"IVA/DRO/bankruptcy eligibility, procedure, distribution, discharge, tax and cost are not answered.","Claims; primary sources":"C031/C036/C038 boundary only; S020–S024","Missing evidence and exact next question":"Later solution-specific dossier: what are current NI qualifying conditions, acts, forms and legal effects?"},"raw_table_index":18,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":["C_NI-P01-C031","C_NI-P01-C036","C_NI-P01-C038"],"coordinator_source_ids":["C_NI-P01-S020","C_NI-P01-S021","C_NI-P01-S022","C_NI-P01-S023","C_NI-P01-S024"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G01 A | Paid card settlement scenario G1","researcher_record":{"Row / status":"G01 A","Coverage":"Paid card settlement scenario G1","Claims; sources":"C002–C003; S003","Remaining evidence/next question":"Contract, borrower and permission in any actual matter."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C002","C_NI-P01-C003"],"coordinator_source_ids":["C_NI-P01-S003"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G02 A | Nonprofit free-adviser scenario G2","researcher_record":{"Row / status":"G02 A","Coverage":"Nonprofit free-adviser scenario G2","Claims; sources":"C010, C017; S006–S007","Remaining evidence/next question":"Constitution, regularity and exempt/authorised capacity."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C010","C_NI-P01-C017"],"coordinator_source_ids":["C_NI-P01-S006","C_NI-P01-S007"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G03 A | NI solicitor commercial settlement scenario G3","researcher_record":{"Row / status":"G03 A","Coverage":"NI solicitor commercial settlement scenario G3","Claims; sources":"C019–C020; S003, S012–S013","Remaining evidence/next question":"Current professional-body s.332 rules and incidental-service facts."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C019","C_NI-P01-C020"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S012","C_NI-P01-S013"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G04 A | Insolvency practitioner selling separate DMP G4","researcher_record":{"Row / status":"G04 A","Coverage":"Insolvency practitioner selling separate DMP G4","Claims; sources":"C021, C047; S003, S021","Remaining evidence/next question":"Appointment capacity versus commercial mandate."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C021","C_NI-P01-C047"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S021"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G05 A | NI DRO competent authority/employee G5","researcher_record":{"Row / status":"G05 A","Coverage":"NI DRO competent authority/employee G5","Claims; sources":"C036; S022–S025","Remaining evidence/next question":"Individual approval and authority scope."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C036"],"coordinator_source_ids":["C_NI-P01-S022","C_NI-P01-S023","C_NI-P01-S024","C_NI-P01-S025"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G06 P | Overseas app/remote NI service G6","researcher_record":{"Row / status":"G06 P","Coverage":"Overseas app/remote NI service G6","Claims; sources":"C028, C043; S008–S010","Remaining evidence/next question":"Full territorial and functional interaction evidence."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C028","C_NI-P01-C043"],"coordinator_source_ids":["C_NI-P01-S008","C_NI-P01-S009","C_NI-P01-S010"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"P","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G07 A | Acquiring/collecting creditor G7","researcher_record":{"Row / status":"G07 A","Coverage":"Acquiring/collecting creditor G7","Claims; sources":"C004–C005, C016; S003, S005","Remaining evidence/next question":"Assignment and servicer status."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C004","C_NI-P01-C005","C_NI-P01-C016"],"coordinator_source_ids":["C_NI-P01-S003","C_NI-P01-S005"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G08 A | Payment-only distributor G8","researcher_record":{"Row / status":"G08 A","Coverage":"Payment-only distributor G8","Claims; sources":"C026–C027; S016–S017","Remaining evidence/next question":"Whether independent PSR payment service exists."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C026","C_NI-P01-C027"],"coordinator_source_ids":["C_NI-P01-S016","C_NI-P01-S017"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G09 A | FCA fee example (£1,130/£11,260, 2026)","researcher_record":{"Row / status":"G09 A","Coverage":"FCA fee example (£1,130/£11,260, 2026)","Claims; sources":"C025; S014","Remaining evidence/next question":"Precise applicant category, no consumer fee implied."},"raw_table_index":19,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C025"],"coordinator_source_ids":["C_NI-P01-S014"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q002"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G10 A | CONC resources examples (£5k/£20k), formula verified","researcher_record":{"Row / status":"G10 A","Coverage":"CONC resources examples (£5k/£20k), formula verified","Claims; sources":"C024, C041; S015","Remaining evidence/next question":"Actual relevant-debt calculation and higher parallel requirement."},"raw_table_index":19,"coordinator_acceptance":"revision_or_qualification_required_UNSENT","coordinator_claim_ids":["C_NI-P01-C024","C_NI-P01-C041"],"coordinator_source_ids":["C_NI-P01-S015"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":["C_NI-P01-Q003"],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G11 A | NI practitioner bond (£750k with transition)","researcher_record":{"Row / status":"G11 A","Coverage":"NI practitioner bond (£750k with transition)","Claims; sources":"C040; S029–S030","Remaining evidence/next question":"Bond and appointment dates; covered loss, not assumed award."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C040"],"coordinator_source_ids":["C_NI-P01-S029","C_NI-P01-S030"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"G12 A | Unauthorised activity consequence kept conditional","researcher_record":{"Row / status":"G12 A","Coverage":"Unauthorised activity consequence kept conditional","Claims; sources":"C029; S001–S002","Remaining evidence/next question":"Any actual allegation would require each criminal/regulatory element and defence; remedies separate."},"raw_table_index":19,"coordinator_acceptance":"scoped_read_with_original_partial_unresolved_and_application_holds","coordinator_claim_ids":["C_NI-P01-C029"],"coordinator_source_ids":["C_NI-P01-S001","C_NI-P01-S002"],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"A","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H001 D | Consumer-paid charges","researcher_record":{"Row / status":"H001 D","Deferred rule family":"Consumer-paid charges","Exact next research question":"What fees may an NI debt-management/settlement provider charge a debtor, by precisely classified activity?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H002 D | Indirect provider remuneration","researcher_record":{"Row / status":"H002 D","Deferred rule family":"Indirect provider remuneration","Exact next research question":"How are creditor commissions, lead payments, affiliated benefits and other indirect compensation treated for disclosure, conflicts and authorisation?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H003 D | Fee earning","researcher_record":{"Row / status":"H003 D","Deferred rule family":"Fee earning","Exact next research question":"At what legally defined event, if any, is a provider entitled to earn a fee?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H004 D | Advance-payment restrictions","researcher_record":{"Row / status":"H004 D","Deferred rule family":"Advance-payment restrictions","Exact next research question":"Which operative FCA/other rules limit taking money before negotiations, creditor agreement or performance?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H005 D | Fee caps and calculation","researcher_record":{"Row / status":"H005 D","Deferred rule family":"Fee caps and calculation","Exact next research question":"Are any statutory, regulatory or professional caps applicable, to which services, with what calculation base?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H006 D | Cancellation and withdrawal","researcher_record":{"Row / status":"H006 D","Deferred rule family":"Cancellation and withdrawal","Exact next research question":"What statutory or contractual cancellation rights, cooling-off periods and notices govern each transaction channel and provider class?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H007 D | Refunds and unearned fees","researcher_record":{"Row / status":"H007 D","Deferred rule family":"Refunds and unearned fees","Exact next research question":"What must be returned upon cancellation, nonperformance, termination, provider failure or ineffective settlement?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H008 D | Advertising and solicitation","researcher_record":{"Row / status":"H008 D","Deferred rule family":"Advertising and solicitation","Exact next research question":"Which current financial-promotion, advertising, cold-calling and lead-generation restrictions apply in NI to each service?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H009 D | Written contracts","researcher_record":{"Row / status":"H009 D","Deferred rule family":"Written contracts","Exact next research question":"Which service contracts must be in writing, and what form, signatures or electronic-record rules apply?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H010 D | Mandatory contractual terms","researcher_record":{"Row / status":"H010 D","Deferred rule family":"Mandatory contractual terms","Exact next research question":"Which provider promises, duration, service limitations, variation and termination clauses are mandatory, prohibited or unfair?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H011 D | Pre-contract disclosures","researcher_record":{"Row / status":"H011 D","Deferred rule family":"Pre-contract disclosures","Exact next research question":"What must the provider disclose about fees, risks, alternatives, creditor participation, client funds and status before commitment?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H012 D | Suitability and advice standards","researcher_record":{"Row / status":"H012 D","Deferred rule family":"Suitability and advice standards","Exact next research question":"What assessment, suitability, vulnerability and best-interests obligations apply under relevant FCA/professional rules?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H013 D | Debt-relief outcome claims","researcher_record":{"Row / status":"H013 D","Deferred rule family":"Debt-relief outcome claims","Exact next research question":"What evidence is required for claims about savings, settlement rate, time to resolution, credit effects or guarantee?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H014 D | Ongoing service and exit","researcher_record":{"Row / status":"H014 D","Deferred rule family":"Ongoing service and exit","Exact next research question":"What periodic statements, reviews, records, variation notices and closure steps are required during and after engagement?"},"raw_table_index":20,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H015 D | Client money receipt","researcher_record":{"Row / status":"H015 D","Deferred rule family":"Client money receipt","Exact next research question":"When is money held by a debt adviser legally “client money” under the applicable FCA regime?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H016 D | Client money segregation","researcher_record":{"Row / status":"H016 D","Deferred rule family":"Client money segregation","Exact next research question":"What account segregation, reconciliation, identification and audit obligations apply to a specific DMP business model?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H017 D | Stand-alone payment regulation","researcher_record":{"Row / status":"H017 D","Deferred rule family":"Stand-alone payment regulation","Exact next research question":"What is the fully updated October 2026 payment-services authorisation/registration/agent and safeguard regime, including every exemption and threshold?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H018 D | Trust and insolvency ring-fencing","researcher_record":{"Row / status":"H018 D","Deferred rule family":"Trust and insolvency ring-fencing","Exact next research question":"If a provider fails, what proprietary or trust interest, if any, exists in money held for customers?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H019 D | Payment authority and distribution","researcher_record":{"Row / status":"H019 D","Deferred rule family":"Payment authority and distribution","Exact next research question":"What authority is required to initiate, distribute, withhold, reverse or refund customer payments, and what records must be retained?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H020 D | Private civil remedies","researcher_record":{"Row / status":"H020 D","Deferred rule family":"Private civil remedies","Exact next research question":"What specific cause of action, standing, limitation period, damages or restitution may follow an actual provider breach?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H021 D | Regulatory breaches and enforcement","researcher_record":{"Row / status":"H021 D","Deferred rule family":"Regulatory breaches and enforcement","Exact next research question":"What FCA investigative powers, notices, sanctions, procedural protections and individual accountability mechanisms apply to particular contraventions?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H022 D | Consumer complaints and ombudsman","researcher_record":{"Row / status":"H022 D","Deferred rule family":"Consumer complaints and ombudsman","Exact next research question":"What complaints processes and Financial Ombudsman Service jurisdiction apply to each covered legal person and service?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H023 D | NI insolvency practitioner complaints","researcher_record":{"Row / status":"H023 D","Deferred rule family":"NI insolvency practitioner complaints","Exact next research question":"What is the current complaint allocation among NI RPB, Department, officeholder and court, including former-RPB cases?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H024 D | Compensation schemes","researcher_record":{"Row / status":"H024 D","Deferred rule family":"Compensation schemes","Exact next research question":"When, if at all, does the Financial Services Compensation Scheme or another scheme cover a failure or a dishonest loss?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H025 D | Personal data and privacy","researcher_record":{"Row / status":"H025 D","Deferred rule family":"Personal data and privacy","Exact next research question":"What UK GDPR/data-protection lawful basis, retention, data-sharing and security obligations apply to debt intake and creditor negotiation records?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H026 D | Marketing/contact permissions","researcher_record":{"Row / status":"H026 D","Deferred rule family":"Marketing/contact permissions","Exact next research question":"What consent, privacy, telephone, email, text and direct-marketing rules apply to NI debt leads, introductions and remarketing?"},"raw_table_index":21,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H027 D | Credit card, overdraft and personal-loan products","researcher_record":{"Row / status":"H027 D","Deferred rule family":"Credit card, overdraft and personal-loan products","Exact next research question":"What borrower rights, creditor duties and product-specific rules govern each source of debt in NI?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H028 D | Payday, BNPL and deferred-payment credit","researcher_record":{"Row / status":"H028 D","Deferred rule family":"Payday, BNPL and deferred-payment credit","Exact next research question":"Which 2026 commencement, temporary permission, product and grandfathering provisions apply to each agreement?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H029 D | Debt-collection conduct","researcher_record":{"Row / status":"H029 D","Deferred rule family":"Debt-collection conduct","Exact next research question":"What rules govern demands, communications, hardship treatment, harassment, third-party contact and collection practices?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H030 D | Validation and proof of debt","researcher_record":{"Row / status":"H030 D","Deferred rule family":"Validation and proof of debt","Exact next research question":"What evidence must an NI creditor/collector produce, when, and through what procedure?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H031 D | Balance and liability disputes","researcher_record":{"Row / status":"H031 D","Deferred rule family":"Balance and liability disputes","Exact next research question":"How does a debtor challenge balance, interest, ownership, accounting, fraud or contractual enforceability?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H032 D | Assignment and debt purchases","researcher_record":{"Row / status":"H032 D","Deferred rule family":"Assignment and debt purchases","Exact next research question":"What notice, legal/equitable assignment, standing and debtor-defence rules govern transferred claims?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H033 D | Limitation periods","researcher_record":{"Row / status":"H033 D","Deferred rule family":"Limitation periods","Exact next research question":"What NI limitation law and accrual date governs each credit, specialty, mortgage, tax or judgment claim?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H034 D | Acknowledgment, payment and revival","researcher_record":{"Row / status":"H034 D","Deferred rule family":"Acknowledgment, payment and revival","Exact next research question":"Which signed acknowledgment, partial payment, admission or other event affects a limitation defence in NI?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H035 D | Credit reference reporting","researcher_record":{"Row / status":"H035 D","Deferred rule family":"Credit reference reporting","Exact next research question":"What source-specific reporting, accuracy, correction, suppression and retention rules apply?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H036 D | Credit score and future borrowing","researcher_record":{"Row / status":"H036 D","Deferred rule family":"Credit score and future borrowing","Exact next research question":"What documented, qualified credit effects may follow each action, without promising score movement or recovery?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H037 D | Out-of-court creditor rights","researcher_record":{"Row / status":"H037 D","Deferred rule family":"Out-of-court creditor rights","Exact next research question":"What set-off, lien, acceleration, demand and account-closure rights arise under each creditor agreement and NI law?"},"raw_table_index":22,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H038 D | Court jurisdiction and claims","researcher_record":{"Row / status":"H038 D","Deferred rule family":"Court jurisdiction and claims","Exact next research question":"Which NI court or statutory forum hears the identified debt claim, and under which jurisdictional rules?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H039 D | Service of process","researcher_record":{"Row / status":"H039 D","Deferred rule family":"Service of process","Exact next research question":"What are the applicable NI service methods, substituted service, cross-border service and proof requirements?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H040 D | Default and response","researcher_record":{"Row / status":"H040 D","Deferred rule family":"Default and response","Exact next research question":"What actual NI procedural steps and legally operative deadlines arise after a properly served claim?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H041 D | Judgment formation","researcher_record":{"Row / status":"H041 D","Deferred rule family":"Judgment formation","Exact next research question":"What proof and hearings are required for default, summary or contested judgment?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H042 D | Set-aside and appeal","researcher_record":{"Row / status":"H042 D","Deferred rule family":"Set-aside and appeal","Exact next research question":"On what grounds and under what procedure can a debtor challenge or reopen a judgment or order?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H043 D | Enforcement mechanisms","researcher_record":{"Row / status":"H043 D","Deferred rule family":"Enforcement mechanisms","Exact next research question":"What NI enforcement office, attachment, seizure, instalment, registration and creditor-priority powers exist?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H044 D | Income/property protection","researcher_record":{"Row / status":"H044 D","Deferred rule family":"Income/property protection","Exact next research question":"What NI exemptions or protections apply to wages, household goods, benefits, pensions and property?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H045 D | Bank accounts and third-party money","researcher_record":{"Row / status":"H045 D","Deferred rule family":"Bank accounts and third-party money","Exact next research question":"What attachment, set-off or other enforcement mechanisms may reach deposits or funds held for another person?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H046 D | Secured and mortgage debt","researcher_record":{"Row / status":"H046 D","Deferred rule family":"Secured and mortgage debt","Exact next research question":"How do NI land charges, mortgage regulation, secured arrears and redemption interact?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H047 D | Mortgage enforcement/repossession","researcher_record":{"Row / status":"H047 D","Deferred rule family":"Mortgage enforcement/repossession","Exact next research question":"What NI procedure governs possession, sale, deficiency and borrower protections?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H048 D | Vehicles and hire purchase","researcher_record":{"Row / status":"H048 D","Deferred rule family":"Vehicles and hire purchase","Exact next research question":"What recovery, repossession, hire termination and secured vehicle deficiency rules govern NI agreements?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H049 D | Rent and housing","researcher_record":{"Row / status":"H049 D","Deferred rule family":"Rent and housing","Exact next research question":"What tenancy-arrears, eviction, social-housing and housing-support rules apply in NI?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H050 D | Medical and care bills","researcher_record":{"Row / status":"H050 D","Deferred rule family":"Medical and care bills","Exact next research question":"What NI health, private treatment, care contribution and related collection rules govern the obligation?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H051 D | Utilities and telecommunications","researcher_record":{"Row / status":"H051 D","Deferred rule family":"Utilities and telecommunications","Exact next research question":"What NI electricity, gas, water, telecom, disconnection, metering and arrears protections apply?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H052 D | Family maintenance and support","researcher_record":{"Row / status":"H052 D","Deferred rule family":"Family maintenance and support","Exact next research question":"What NI child-maintenance, family-support and related enforcement priorities apply?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H053 D | Fines and criminal financial orders","researcher_record":{"Row / status":"H053 D","Deferred rule family":"Fines and criminal financial orders","Exact next research question":"Which NI criminal-court or statutory collection procedures govern fines, compensation and penalties?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H054 D | Tax, rates and other government debt","researcher_record":{"Row / status":"H054 D","Deferred rule family":"Tax, rates and other government debt","Exact next research question":"What HMRC, NI rates, overpayment recovery and government-creditor powers apply to each liability?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H055 D | Priority and nonpriority sorting","researcher_record":{"Row / status":"H055 D","Deferred rule family":"Priority and nonpriority sorting","Exact next research question":"What legally supported criteria determine which NI debts have more urgent consequences or priority?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H056 D | Public assistance and free support","researcher_record":{"Row / status":"H056 D","Deferred rule family":"Public assistance and free support","Exact next research question":"Which current NI public benefits, emergency assistance, housing support, debt-advice services and eligibility requirements exist?"},"raw_table_index":23,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H057 D | NI IVA complete procedure","researcher_record":{"Row / status":"H057 D","Deferred rule family":"NI IVA complete procedure","Exact next research question":"What are the current NI IVA proposal, nominee, filing, creditor-decision, modification, supervision and termination rules?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H058 D | NI DRO complete procedure","researcher_record":{"Row / status":"H058 D","Deferred rule family":"NI DRO complete procedure","Exact next research question":"What are current NI DRO eligibility, excluded debts, assets, income, applications, reviews, moratorium and discharge rules?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H059 D | NI bankruptcy complete procedure","researcher_record":{"Row / status":"H059 D","Deferred rule family":"NI bankruptcy complete procedure","Exact next research question":"What are the current NI petition, adjudication, trustee, estate administration, restrictions and discharge rules?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H060 D | Other NI statutory debt mechanisms","researcher_record":{"Row / status":"H060 D","Deferred rule family":"Other NI statutory debt mechanisms","Exact next research question":"Which administration orders, compositions, debt remedies or sector-specific arrangements exist independently of IVA/DRO/bankruptcy?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H061 D | Statutory filing forms and costs","researcher_record":{"Row / status":"H061 D","Deferred rule family":"Statutory filing forms and costs","Exact next research question":"Which exact NI court/agency forms, filing charges, professional expenses and cost allocations apply at their effective dates?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H062 D | Distribution, discharge, surviving debt and tax","researcher_record":{"Row / status":"H062 D","Deferred rule family":"Distribution, discharge, surviving debt and tax","Exact next research question":"Which liabilities remain, how are proceeds distributed, when does discharge occur and what tax consequences follow?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H063 D | A098 foreign exchange and currency","researcher_record":{"Row / status":"H063 D","Deferred rule family":"A098 foreign exchange and currency","Exact next research question":"Which currency governs each obligation, exchange conversion, payment, settlement and court calculation?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H064 D | A098 foreign contracts and governing law","researcher_record":{"Row / status":"H064 D","Deferred rule family":"A098 foreign contracts and governing law","Exact next research question":"Which contractual choice-of-law and mandatory protection rules determine rights under an international debt contract?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H065 D | A098 cross-border insolvency","researcher_record":{"Row / status":"H065 D","Deferred rule family":"A098 cross-border insolvency","Exact next research question":"When and how may an NI insolvency procedure be recognised abroad, or a foreign process be recognised in NI?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H066 D | A098 foreign judgments","researcher_record":{"Row / status":"H066 D","Deferred rule family":"A098 foreign judgments","Exact next research question":"Under what statutory/treaty/common-law route can a foreign judgment be recognised or enforced in NI, and vice versa?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H067 D | A098 relocation and offshore assets","researcher_record":{"Row / status":"H067 D","Deferred rule family":"A098 relocation and offshore assets","Exact next research question":"How do change of residence, overseas income, assets, creditors and foreign collection affect rights and jurisdiction?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H068 D | Local, sector and professional overlaps","researcher_record":{"Row / status":"H068 D","Deferred rule family":"Local, sector and professional overlaps","Exact next research question":"What additional NI consumer, solicitor, accountant, financial-promotion, property, mortgage, tax or contractual duties apply to a precisely identified non-gateway issue?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"D","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}},{"topic":"H069 X | All other countries and UK local regimes","researcher_record":{"Row / status":"H069 X","Deferred rule family":"All other countries and UK local regimes","Exact next research question":"Those are not adopted here. What separate jurisdiction-specific authorisation and solution rules apply if another jurisdiction is independently assigned?"},"raw_table_index":24,"coordinator_acceptance":"deferred_or_outside_scope_preserved","coordinator_claim_ids":[],"coordinator_source_ids":[],"coordinator_review":{"reviewed_at":"2026-10-29T04:55:30.036946+00:00","reviewer":"delegated coordinator /root/review_wi1","review_file":"[internal evidence reference]","finding_ids":[],"original_status_preserved":"X","country_or_area_acceptance":false,"scope":"Rowreadandreconciled;researcherAstatusisnotcoordinatorlegal/currentnessacceptance. Hholdsandunresolvednextquestionsremain;nonewscenarioorprivateinquiryconducted."}}],"annotations":{},"corrections":[{"issue_id":"C_NI-P01-Q001","finding":"Separate partnership headcount from the other unincorporated-body limb The narrative calls the non-partnership limb “specified small unincorporated bodies”; C011 uses “qualifying small partnership/unincorporated body.” The dated RAO article60L has separate limbs: (a) a partnership of two or three persons, not all corporate; (b) an unincorporated body not entirely corporate and not a partnership. Limb(b) has no numerical headcount condition. This finding addresses that unsupported wording; it does not decide whether an actual body, borrower or agreement qualifies.","affected_claim_ids":["C_NI-P01-C011"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.legislation.gov.uk/uksi/2001/544/part/II/2025-07-15/data.html"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_NI-P01-Q002","finding":"Resolve the already-listed not-for-profit application-fee branch The CC2 category3 £1,130 and category6 £11,260 prices are confirmed. COV-C11 expressly lists the not-for-profit fee exception as missing evidence while marking the row answered. The adjacent CC1 entry says “Not-for-profit debt advice body — No fee payable.” CC1 limited permission/category2 and CC2 restricted-activity/category3 are separate rows. The original already distinguishes application fees from legal permission; no false price or blanket charitable exemption is attributed to it.","affected_claim_ids":["C_NI-P01-C025"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://handbook.fca.org.uk/handbook/fees3"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_NI-P01-Q003","finding":"Qualify the prudential-resource base and professional exception Both supplied currency calculations match the tiers and floor for their stipulated relevant-debt totals. For reuse, the gateway/table needs the accounting-reference-date sum of relevant debts across all customers, presently obliged future payments, new-permission projection to the day before the next accounting date, and the distinction between debts handled in an excluded IP capacity and other debt-adjusting work. The professional50%-income/incidental exception allows a temporary variation of not more than5% to be disregarded. These are adjacent qualifications, not evidence that either saved numeric result is wrong.","affected_claim_ids":["C_NI-P01-C024","C_NI-P01-C041"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://handbook.fca.org.uk/handbook/conc10"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"C_NI-P01-Q004","finding":"Add partial-IP partnership-liability restrictions and repair349A pinpoint The enacted2016 section14 insertion has article349A(1)–(3), followed by article349B(1)–(10). The gateway summary omits349B restrictions on partially authorised practitioners accepting known outstanding partnership-liability appointments. Later awareness has separate continuation, High Court permission/replacement and permitted-period conditions; the individual branch excludes Scottish partnerships. C032 cites349A(1)–(5), although this insertion has only349A(1)–(3). The additional qualifications are in349B.","affected_claim_ids":["C_NI-P01-C032","C_NI-P01-C033"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.legislation.gov.uk/nia/2016/2/pdfs/nia_20160002_en.pdf"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"C_NI-P01-SCOPED-REVIEW","status":"reviewed_with_material_qualifications_UNSENT_and_explicit_holds","at":null}]}