{"meta":{"key":"c_nl--pass-02","task":"C_NL","title":"CNL Netherlands Wck text reconciliation","parent_title":"Netherlands consumer debt and resolution","edition":"pass-02","path":"/research/c_nl--pass-02/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-27","tables":15,"claims":16,"sources":24,"review_status":"targeted_enactment_supplements_corrected_currentness_application_held","review_complete":true,"sha256":"2a2c69ea367e31508f72ff8a5215b875b43db237b7c57b807789c9364a03add0","headings":["1. Findings — G1 and G2","G1.1 — Operative definition of krediettransactie: bounded reconstruction","G1.2 — Article 47: prohibition and schuldbemiddeling","G1.3 — Article 48(1): exceptions, with corrected professional and municipal wording","G1.4 — Article 48(2)–(3): certificate power versus actual requirement","G1.5 — 2017 retained definitions and repealed chapters","Currentness limitation","2. G2 — Original-to-later-text and commencement crosswalk","3. G3 — Article 48(1)(d) designation boundary","3.1 The only enacted designation examined in this pass was temporary","3.2 The later Vrijstellingsbesluit materials examined were drafts","3.3 Actual 2026 proposals are not operative replacements","3.4 Bounded conclusion on present designation","4. PASS-02 source register","4.1 Enacted Wck and linked instruments","4.2 Designation, proposals, corroboration and failed access","5. Atomic claim register","6. G4 — Exact targeted disposition of supplied P01 claims","Old-to-new source identity preservation","7. Granular G1–G4 coverage register","G1 — Current-definition and exception reconstruction","G2 — Amendment and commencement","G3 — Current designation gateway","G4 — Bounded disposition and excluded application questions","Separately targeted original coverage rows","8. Read-only research log and limitations","9. Researcher self-check and publication holds","PASS-02 visible register counts","Material questions still open","Evidence-grounded publication opportunities","Publication and operational holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_NL/pass-02","facets":{"geography":["international","c_nl"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Reviewed P01 remaining current Wck1/47/48 text-amendment-designation question only","pending_corrections":0},"markdown":"# SettleADebt C_NL PASS-02 — Netherlands Wck text reconciliation\n\nPartial current-text verification — not country acceptanceResearch baseline: 22 October 2026, America/Los_Angeles\nActual primary-source verification: 26 October 2026, Pacific Daylight Time; 27 October 2026, UTC and Netherlands local time\nJurisdiction: European Netherlands, subject to the territorial and cross-border holds preserved from PASS-01.\n\n## 1. Findings — G1 and G2\n\nThis pass establishes four material changes missing or incompletely reconciled in the PASS-01 historical-to-current comparison:\n\n| Selected provision | Historical text or position | Verified enacted change | Effective date |\n| --- | --- | --- | --- |\n| Wck article 1(a)(2°)–(3°) | Credit transactions involving a roerende lichamelijke zaak | Removed lichamelijke, leaving roerende zaak | 1 January 1992 |\n| Wck article 48(2) | Delegated authority for remuneration rules | Added express authority for an AMvB to require a certificaat for mediation referred to in article 48(1) | 1 January 2008 |\n| Wck article 48(1)(c) | Included procureurs among professional exceptions | Removed procureurs | 1 September 2008 |\n| Wck article 1(a) | Required at least one borrower payment more than three months after the relevant advance or performance began | Deleted the three-month condition, subject to an express transition for earlier credit agreements | 25 May 2011 |\n\nThese changes are established by the actual amendment and commencement instruments, not by assuming that a current-looking website accurately reproduces the law. [1991 amendment](https://zoek.officielebekendmakingen.nl/stb-1991-630.pdf?utm_source=chatgpt.com) · [2007 amendment](https://zoek.officielebekendmakingen.nl/stb-2007-192.html?utm_source=chatgpt.com) · [2008 professional amendment](https://zoek.officielebekendmakingen.nl/stb-2008-100.html?utm_source=chatgpt.com) · [2011 amendment](https://zoek.officielebekendmakingen.nl/stb-2011-246.html?utm_source=chatgpt.com). zoek.officielebekendmakingen.nl+3\n\n### G1.1 — Operative definition of krediettransactie: bounded reconstruction\n\nThe original 1990 article 1(a) covered an agreement or linked agreements involving:\n\n1. A money advance by or for a kredietgever to a kredietnemer, followed by one or more borrower payments.\n2. Provision of the use of movable property or a service designated by AMvB, followed by borrower payments.\n3. A money advance linked to provision of movable property or a designated service, involving the creditor, borrower and potentially a third-party supplier, followed by borrower payments.\n\nThe original text added a common condition requiring at least one payment after three months. That condition was removed by Staatsblad 2011, 246, article II(A)(1). The amendment's article VI expressly excludes credit agreements concluded before the amendment's commencement. Its article VII makes commencement depend on the Staatsblad issue date; the issue date was 24 May 2011, producing 25 May 2011 as the effective date. An older agreement must therefore be examined against the transition, not automatically analyzed under the broadened post-amendment definition. C_NL-P02-C001–C003. zoek.officielebekendmakingen.nl+2\n\nSeparately, Staatsblad 1991, 630, article I(A) removed lichamelijke from the movable-property branches, effective 1 January 1992 under article VII. It would be inaccurate to reproduce the 1990 phrase as the fully operative later definition. C_NL-P02-C002. zoek.officielebekendmakingen.nl+1\n\nThe original 1991 Besluit aanwijzing diensten Wet op het consumentenkrediet designated passenger transport or accommodation supplied under a travel agreement for the service limb of article 1(a)(2°)–(3°). This is a service-definition instrument, not an article 48(1)(d) authorization for paid debt negotiators. Its presently consolidated amendment/repeal history remains to be certified. C_NL-P02-C004. zoek.officielebekendmakingen.nl\n\n### G1.2 — Article 47: prohibition and schuldbemiddeling\n\nThe enacted article 47(1) states: Schuldbemiddeling is verboden.\n\nArticle 47(2), as read in the original enacted text, concerns services supplied in the course of a business or profession, other than by entering into a credit transaction, aimed at arranging an existing debt burden of a natural person deriving wholly or partly from one or more qualifying credit transactions.\n\nTherefore the gateway still requires identifying:\n\n- the activity actually performed;\n- whether it is professional or commercial;\n- whether it aims to obtain a debt arrangement;\n- a natural-person debt burden;\n- at least one qualifying credit-derived component; and\n- the applicable version of the linked credit definition.\n\nThe selected amendments examined in this pass do not establish an express change to article 47's own wording. But an official complete consolidation as of 26 October 2026 could not be opened, and all intervening amendments were not exhaustively certified. Accordingly, the reconstructed wording is strongly supported but not certified as the complete 2026 consolidation. C_NL-P02-C005 and C015. zoek.officielebekendmakingen.nl+1\n\n### G1.3 — Article 48(1): exceptions, with corrected professional and municipal wording\n\nThe evidence supports the following reconstruction:\n\n| Paragraph | Reconstructed exception | Essential limitation |\n| --- | --- | --- |\n| 48(1)(a) | Om niet — gratuitous mediation | Indirect payment and mixed remuneration remain interpretive holds. |\n| 48(1)(b) | Municipalities, municipal credit banks, and institutions acting in opdracht en voor rekening van gemeenten | The last category needs evidence of both municipal instruction and performance for the municipal account. |\n| 48(1)(c) | Advocaten; qualifying curatoren and bewindvoerders under the Faillissementswet or the specified Book 1 BW provisions; notarissen, deurwaarders, registeraccountants, and accountants-administratieconsulenten | Professional identity does not prove an unrelated employee or corporate vehicle inherits the exception. Procureurs were removed in 2008. |\n| 48(1)(d) | Natural or legal persons or categories actually designated by an operative AMvB | A present qualifying designation has not been established in this pass. |\n\nThe professional amendment in Staatsblad 2013, 414, article III took effect 1 April 2014 through Staatsblad 2014, 85. The municipal-contractor substitution in Staatsblad 2018, 424, article XXVIA took effect 1 January 2019 under Staatsblad 2018, 425, article II(1). Those dates are independently confirmed here. C_NL-P02-C008–C009. Overheid.nl > Officiële bekendmakingen+3\n\n### G1.4 — Article 48(2)–(3): certificate power versus actual requirement\n\nCorrection to P01-C002: The original 1990 version of article 48(2) is incomplete for later periods.\n\nStaatsblad 2007, 192, article ID inserted authority for an AMvB to require a certificaat for mediation under article 48(1). Staatsblad 2007, 222 commenced that amendment on 1 January 2008.\n\nThe distinction matters:\n\n- Enacted statutory authority: verified.\n- An implementing AMvB currently imposing a certificate requirement: not established.\n- A universally required certificate for every article 48(1) actor: not established.\n- A universal paid-debt-mediator licence: not established.\n\nThe retained fee-rule delegation and article 48(3)'s rule concerning contractual departures must also be read with any actual operative implementing rules. Nothing read here automatically cancels the underlying creditor debt or invalidates a judgment. C_NL-P02-C006–C007. Overheid.nl > Officiële bekendmakingen+2\n\n### G1.5 — 2017 retained definitions and repealed chapters\n\nStaatsblad 2016, 360, article V, effective 1 January 2017 by Staatsblad 2016, 438, removed Wck chapters I, IV and X except the opening of article 1 and its paragraphs (a) and (n).\n\nArticle 1(n)'s original definition identifies a gemeentelijke kredietbank as a credit-lending institution established by one or more municipalities. Its exact later consolidated wording has not been independently recovered.\n\nCrucially, historical Wck articles 2–4 must not be imported as current exceptions to article 47 or article 48 merely because they appear in the 1990 source. C_NL-P02-C010. Overheid.nl > Officiële bekendmakingen+2\n\n### Currentness limitation\n\nThe official consolidated `wetten.overheid.nl` endpoint did not return a readable body in this research session. The official alternative was to open the enacted Staatsblad amendments and their separate commencement instruments. That establishes the particular amendments above; it does not establish that every intervening change has been captured.\n\nThere is independent recent corroboration that articles 47–48 remained the subject of operative supervision: a ministerial regulation published in Staatscourant 2025, 40669, effective 1 January 2026, appoints designated Finance Ministry officials to supervise compliance with those articles. This regulation does not authenticate every word of the underlying Wck or determine which AMvBs are in force. C_NL-P02-C014–C015. Overheid.nl > Officiële bekendmakingen\n\n## 2. G2 — Original-to-later-text and commencement crosswalk\n\nThe matrix distinguishes enactment from commencement. “Reconstructed” never means that the complete 2026 consolidated text was fetched.\n\n| Provision | Amendment identity and precise operation | Commencement evidence | Disposition |\n| --- | --- | --- | --- |\n| 1(a)(2°)–(3°) | 1991, 630, art. I(A): delete lichamelijke twice | Same instrument, art. VII: 1 Jan 1992 | Verified enacted and effective; complete subsequent chain held |\n| 1(a), final timing condition | 2011, 246, art. II(A)(1): delete the payment-after-three-months qualification | Arts VI–VII; issue 24 May 2011, effective 25 May 2011 | Verified for agreements to which amendment applies; legacy transition must be tested |\n| 1(a)(2°)–(3°), designated services | 1991, 515, art. 1: travel-agreement passenger transport/accommodation designation | Art. 2: alongside Wck commencement | Historical enacted designation verified; full 2026 instrument history held |\n| 1(n) | Original municipal credit-bank definition expressly retained | 2016, 360, art. V plus 2016, 438 | Retention effective 1 Jan 2017; no complete 2026 word-for-word certification |\n| 47(1)–(2) | Original prohibition and activity definition; no identified express replacement in selected amendments | Original source plus later specific amendments and 2026 supervisory reference | Reconstructed; not a full positive finding that no other amendment exists |\n| 48(1)(a), (d), (3) | Original gratuitous exception, AMvB designation power and conditional contractual-invalidity rule | Original 1990 law; selected amendments | Historical text established; current instrument and amendment holds retained |\n| 48(1)(b) | 2018, 424, art. XXVIA: municipal-contractor substitution | 2018, 425, art. II(1): 1 Jan 2019 | Verified |\n| 48(1)(c), procureurs | 2008, 100, art. XLVI: delete named profession | 2008, 274, sole article: 1 Sep 2008 | Verified |\n| 48(1)(c), appointed roles | 2013, 414, art. III: add BW 1:383(7) and 1:435(7) route | 2014, 85, sole article: 1 Apr 2014 | Verified; actual appointment/qualification remains fact-dependent |\n| 48(2), certificaat | 2007, 192, art. ID: insert delegated certificate power | 2007, 222, sole article: 1 Jan 2008 | Power verified; activation by AMvB unresolved |\n| Chapters I, IV, X | 2016, 360, art. V: repeal except article 1 opening/(a)/(n) | 2016, 438: 1 Jan 2017 | Verified; original articles 2–4 cannot be current exceptions |\n\nG2 conclusion: The supplied P01 2013 and 2018 changes withstand this targeted review, but their dates must be made explicit. The previously omitted 1991, 2007, 2008 and 2011 amendments materially strengthen the definition/exception reconstruction. None of the named future proposals below is incorporated into this matrix as current law. C_NL-P02-C001–C010.\n\n## 3. G3 — Article 48(1)(d) designation boundary\n\n### 3.1 The only enacted designation examined in this pass was temporary\n\nStaatsblad 1998, 454, the Tijdelijk vrijstellingsbesluit schuldbemiddelaars, actually used article 48(1)(d). Its article 2 designated qualifying registered natural/legal persons subject to conditions; article 3 dealt with remuneration; and article 4 expressly terminated the instrument two years after commencement.\n\nThe Staatsblad was issued 23 July 1998, so commencement was 24 July 1998; the decree expired under its own two-year sunset provision. Its historical registration arrangement and remuneration limits cannot establish a 2026 permission, fee cap or registration scheme. C_NL-P02-C011. Overheid.nl > Officiële bekendmakingen\n\n### 3.2 The later Vrijstellingsbesluit materials examined were drafts\n\n| Material | Actual status verified | Why it cannot authorize current paid mediation |\n| --- | --- | --- |\n| 2013 Concept-Vrijstellingsbesluit schuldbemiddelaars consultation | Published 11 July 2013; consultation closed 28 August 2013 | A closed consultation is not an enacted AMvB. |\n| July 2014 draft hosted by the Eerste Kamer | Draft articles 1–6, with incomplete decree formalities and a proposed 2015 start | Its proposed conditions and start date do not demonstrate promulgation or commencement. |\n| Government communication, Kamerstuk 34 509, nr. 1 | In 2016 the government described postponing further processing pending municipal-quality considerations | Evidence of historical policy status in 2016, not proof about every possible later decree. |\n\nC_NL-P02-C012. internetconsultatie.nl+2\n\n### 3.3 Actual 2026 proposals are not operative replacements\n\nThe government’s Wetsvoorstel schuldregelen was listed at the preparation/consultation stage. Its public 2026 draft proposes replacement legislation and, in draft article 29, repeal of the Wck and the separate Besluit aanwijzing diensten. Draft article 30 contemplates later commencement by royal decree. These are proposals, not operative repeals. Wetgevingskalender+1\n\nA separate Implementatiewet herziene richtlijn consumentenkrediet, bill 36.924, was approved by the Tweede Kamer on 6 October 2026 but was still before the Eerste Kamer in the official status page accessed for this pass. A chamber-approved bill is not a commenced amendment merely because it has passed the lower house. C_NL-P02-C013. Eerste Kamer der Staten-Generaal\n\n### 3.4 Bounded conclusion on present designation\n\nUnresolved: current article 48(1)(d) implementing instrumentOfficial searches covered the Wck's article 48 designation terminology, enacted Staatsblad instruments, the expired 1998 decree, later consultation drafts and the 2026 legislative proposals. No presently effective article 48(1)(d) category designation was positively established from an opened, commenced official body.\n\nThat is not a finding that no designation exists. Nor can the separate statutory certificaat power be translated into a current compulsory certificate without reading an operative implementing AMvB.\n\nThe exact remaining retrieval is an official 2026-date implementing-regulations index for BWBR0004815 article 48(1)(d) and (2), followed by every linked AMvB's current body, amendments, commencement, expiry and transition. Until then, both the present designation and any implemented certificate condition remain held. C_NL-P02-C016.\n\n## 4. PASS-02 source register\n\nID namespace: `C_NL-P02-Sxxx`. These IDs do not overwrite the supplied P01 `S001–S006`.\n\nAccess convention: All listed bodies were accessed in this pass on 26 October 2026 PDT / 27 October 2026 UTC (27 October Netherlands local time), except S022, where access was attempted but failed. These are web retrievals, not physical inspections of pre-2009 paper originals. “HTML N/A” means no PDF page index was used, not that an uninspected PDF was read. A published instrument's issue date is not automatically its effective date.\n\n### 4.1 Enacted Wck and linked instruments\n\n| Source; issuer; literal direct URL | Actual body read and exact pinpoint | Version, status, actor/scope and limits |\n| --- | --- | --- |\n| C_NL-P02-S001 — Kroon/legislature, Wet op het consumentenkrediet, Staatsblad 1990, 395. `https://zoek.officielebekendmakingen.nl/stb-1990-395.pdf` | Art. 1 opening/(a), PDF indices 0–1, printed Staatsblad pp. 1–2; art. 1(n), index 1 / p. 2; arts. 47(1)–(2), 48(1)(a)–(d), (2)–(3), index 16 / p. 17. | Original enacted Dutch text. Historical, not consolidated 2026 law. Credit-transaction definition, natural-person debt mediation and exceptions. Pre-July-2009 electronic facsimile; printed original not physically inspected. zoek.officielebekendmakingen.nl+1 |\n| C_NL-P02-S002 — Kroon/legislature, Wck/BW adaptation, Staatsblad 1991, 630. `https://zoek.officielebekendmakingen.nl/stb-1991-630.pdf` | Art. I(A), PDF index 0 / printed p. 1; art. VII, index 7 / printed p. 8. | Enacted amendment; relevant alteration effective 1 Jan 1992. Read limited to the selected Wck definition alteration and commencement; other provisions not audited. zoek.officielebekendmakingen.nl+1 |\n| C_NL-P02-S003 — Kroon, Besluit aanwijzing diensten Wet op het consumentenkrediet, Staatsblad 1991, 515. `https://zoek.officielebekendmakingen.nl/stb-1991-515.pdf` | Arts. 1–3, PDF index 0 / printed p. 1; explanatory service-scope passage index 2 / printed p. 3. | Original enacted AMvB identifying a category of services under Wck 1(a)(2°)/(3°), not persons designated under 48(1)(d). Effective upon Wck commencement under art. 2. Later amendment/repeal history and 2026 consolidated status not fully certified. zoek.officielebekendmakingen.nl |\n| C_NL-P02-S004 — Kroon/legislature, Wsnp-revision amendment, Staatsblad 2007, 192. `https://zoek.officielebekendmakingen.nl/stb-2007-192.html` | Art. ID, insertion into Wck 48(2). HTML; printed page not separately inspected; PDF index N/A. | Enacted express certificate-rule delegation, effective only upon S005 commencement. Does not itself establish an operational certificate system. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S005 — Kroon, commencement decree, Staatsblad 2007, 222. `https://zoek.officielebekendmakingen.nl/stb-2007-222.html` | Enig artikel. HTML; printed page not inspected; PDF index N/A. | Enacted commencement instrument: 1 Jan 2008 for S004. Read to relevant commencement. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S006 — Kroon/legislature, Wet afschaffing procuraat en invoering elektronisch berichtenverkeer, Staatsblad 2008, 100. `https://zoek.officielebekendmakingen.nl/stb-2008-100.html` | Art. XLVI removing procureurs from Wck 48(1)(c); art. LX requiring separate commencement. HTML; printed page not inspected; PDF index N/A. | Enacted amendment, operative through S007. Other procedural-law provisions not studied. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S007 — Kroon, commencement, Staatsblad 2008, 274. `https://zoek.officielebekendmakingen.nl/stb-2008-274.html` | Enig artikel. HTML; printed page not inspected; PDF index N/A. | Commenced S006 on 1 Sep 2008. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S008 — Kroon/legislature, consumer-credit-directive implementation, Staatsblad 2011, 246. `https://zoek.officielebekendmakingen.nl/stb-2011-246.html` | Art. II(A)(1) deleting Wck 1(a) timing phrase; arts. VI–VII transition/commencement; issue-date statement following art. VII. HTML; printed page not inspected; PDF index N/A. | Enacted. Issued 24 May 2011; applicable amendment effective 25 May 2011 under conditional art. VII. Art. VI preserves a distinction for earlier credit agreements. Old amendments to Wck art. 2 are not treated as current after 2017. Overheid.nl > Officiële bekendmakingen+1 |\n| C_NL-P02-S009 — Kroon/legislature, Wet wijziging curatele, beschermingsbewind en mentorschap, Staatsblad 2013, 414. `https://zoek.officielebekendmakingen.nl/stb-2013-414.html` | Art. III substitution within Wck 48(1)(c); arts. V–VI separate transition/commencement framework. HTML; printed page not inspected; PDF index N/A. | Enacted expansion to the specified BW Book 1 appointed categories. Specific commencement from S010. Detailed professional qualification and individual appointment facts not determined. Overheid.nl > Officiële bekendmakingen+1 |\n| C_NL-P02-S010 — Kroon, commencement, Staatsblad 2014, 85. `https://zoek.officielebekendmakingen.nl/stb-2014-85.html` | Enig artikel, expressly including S009 art. III. HTML; printed page not inspected; PDF index N/A. | Relevant effective date 1 Apr 2014. Accompanying explanation discusses quality requirements and transitional appointments; this pass does not certify individual qualifications. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S011 — Kroon/legislature, consumer-credit/goederenkrediet BW reform, Staatsblad 2016, 360. `https://zoek.officielebekendmakingen.nl/stb-2016-360.html` | Art. V, Wck chapter repeal and expressly retained 1 opening/(a)/(n). HTML; printed page not inspected; PDF index N/A. | Enacted repeal; commencement separately S012. Repealed Wck chapters cannot supply current exclusions. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S012 — Kroon, commencement, Staatsblad 2016, 438. `https://zoek.officielebekendmakingen.nl/stb-2016-438.html` | Enig artikel. HTML; printed page not inspected; PDF index N/A. | Commenced S011 on 1 Jan 2017. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S013 — Kroon/legislature, Verzamelwet SZW 2019, Staatsblad 2018, 424. `https://zoek.officielebekendmakingen.nl/stb-2018-424.html` | Art. XXVIA, Wck 48(1)(b) old/new substitution. HTML; printed page not inspected; PDF index N/A. | Enacted change to municipal-contractor words. Specific effective date depends on S014. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S014 — Kroon, commencement, Staatsblad 2018, 425. `https://zoek.officielebekendmakingen.nl/stb-2018-425.html` | Art. II(1) with exclusions checked against II(2)–(3). HTML; printed page not inspected; PDF index N/A. | Art. XXVIA is not excluded; effective 1 Jan 2019. Published 22 Nov 2018, a distinct date. Overheid.nl > Officiële bekendmakingen |\n\n### 4.2 Designation, proposals, corroboration and failed access\n\n| Source; issuer; literal direct URL | Actual body read and exact pinpoint | Version, status, actor/scope and limits |\n| --- | --- | --- |\n| C_NL-P02-S015 — Kroon, Tijdelijk vrijstellingsbesluit schuldbemiddelaars, Staatsblad 1998, 454. `https://zoek.officielebekendmakingen.nl/stb-1998-454.html` | Arts. 1–5, especially 2 (designated categories) and 4 (commencement/sunset); selected Nota van toelichting, introductory paragraphs. HTML; printed page not inspected; PDF index N/A. | Enacted historical art. 48(1)(d) designation. Issued 23 Jul 1998; commenced next day; sunset after two years. Its former registration/fee provisions are expired, not modern requirements. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S016 — Dutch government internet consultation, Concept-Vrijstellingsbesluit schuldbemiddelaars. `https://www.internetconsultatie.nl/vrijstellingsbesluit_schuldbemiddelaars/details` | Consultation title, description, dates and status fields. HTML; printed page/PDF index N/A. | Consultation 11 Jul–28 Aug 2013, closed. Discovery of a proposal, not an enacted rule. internetconsultatie.nl |\n| C_NL-P02-S017 — Government draft presented through Eerste Kamer, Besluit … houdende vrijstelling. `https://www.eerstekamer.nl/overig/20140704/besluit_van_houdende_vrijstelling/document` | Draft arts. 1–6, PDF indices 0–2, printed pagination not independently certified; blank decree formalities and projected commencement inspected. | 17-page proposal, not a promulgated Staatsblad instrument. Draft fees, professional conditions and proposed start are nonoperative. Only identity/version/proposal status used. eerstekamer.nl |\n| C_NL-P02-S018 — Dutch government communication to Tweede Kamer, Kamerstuk 34 509, nr. 1. `https://zoek.officielebekendmakingen.nl/kst-34509-1.html` | Section Tot slot, paragraphs discussing Vrijstellingsbesluit schuldbemiddelaars and deferral. HTML; printed page not inspected; PDF index N/A. | Official 2016 policy statement, not legislation or certification of 2026 decree status. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S019 — Overheid.nl legislative calendar, Wetsvoorstel schuldregelen, WGK012536. `https://wetgevingskalender.overheid.nl/Regeling/WGK012536` | Project summary, Voortgang, Mijlpalen en documenten; 2026 consultation dates. HTML; printed page/PDF index N/A. | Official live project listing accessed this pass; preparation-stage proposal, not Wck repeal. Future updates possible. Wetgevingskalender |\n| C_NL-P02-S020 — Government internet consultation, draft Wet schuldregelen. `https://www.internetconsultatie.nl/wetschuldregelen/document/15794` | Draft arts. 1–2, PDF indices 0–1; draft arts. 29–30, indices 6–7; separate printed pagination not independently established. | Eight-page consultation draft, not enacted. Proposed repeal and future commencement are not operative. Concept Regeling+1 |\n| C_NL-P02-S021 — Staatssecretaris SZW, Regeling aanwijzing toezichthouder Wet op het consumentenkrediet, Staatscourant 2025, 40669. `https://zoek.officielebekendmakingen.nl/stcrt-2025-40669.html` | Arts. 1–3 and explanatory paragraphs concerning transfer to DFEI. HTML; printed page not inspected; PDF index N/A. | Enacted ministerial supervisory designation, commenced 1 Jan 2026. Strong indication of ongoing regulatory treatment of arts. 47–48 at that date, not full current-text certification or proof of an art. 48(1)(d) decree. Overheid.nl > Officiële bekendmakingen |\n| C_NL-P02-S022 — Official `wetten.overheid.nl`, requested date-specific Wck consolidation. `https://wetten.overheid.nl/BWBR0004815/2026-10-26` | No substantive body obtained; retrieval returned an error. Printed page/PDF index N/A. | Failed access — non-evidentiary. The date in the requested URL is not proof the text was read, published or certified. Official Staatsblad enactments were used as the alternative; complete amendment-index reconciliation remains outstanding. |\n| C_NL-P02-S023 — Eerste Kamer, parliamentary dossier 36.924, Implementatiewet herziene richtlijn consumentenkrediet. `https://www.eerstekamer.nl/wetsvoorstel/36924_implementatiewet_herziene?df1=all&df2=kst` | Stand van zaken, adopted Tweede Kamer vote 6 Oct 2026, Eerste Kamer scheduled committee step and proposed commencement. HTML; printed page/PDF index N/A. | Official pending parliamentary status as accessed; not a commenced enacted amendment. Not evidence of any current article 48 designation. Eerste Kamer der Staten-Generaal |\n| C_NL-P02-S024 — Tweede Kamer, explanatory memorandum, Kamerstuk 36 924, nr. 3. `https://zoek.officielebekendmakingen.nl/kst-36924-3.html` | Explanatory section on schuldadviesdiensten, including its description of existing Wck 47–48 (body paragraphs around the discussion of credit banks and debt advice). HTML; printed page not separately inspected; PDF index N/A. | 2026 legislative explanation, secondary to enacted text for current-law purposes. Used only as a dated governmental cross-check; not an enacted substitution or a complete 2026 Wck consolidation. Overheid.nl > Officiële bekendmakingen |\n\nEvidence classification: 15 enacted/original historical statute or decree rows (S001–S015); 8 other successfully read official proposal, policy, regulator or parliamentary rows (S016–S021, S023–S024); 1 failed consolidation row (S022). S015 is historically enacted but expired. This classification counts source records, not independent confirmation of present-day validity.\n\n## 5. Atomic claim register\n\nEvery claim below is narrowly scoped. “Enacted” describes the specified legislative act; it does not certify an unread 2026 consolidation. Claim IDs are distinct from the P01 `C001–C048`.\n\n| New atomic claim | Exact proposition, actors, conditions and consequence | Supporting source and pinpoint | Remaining evidence limit |\n| --- | --- | --- | --- |\n| C_NL-P02-C001 | For credit agreements to which the 2011 Wck amendment applies, article 1(a) no longer imposes the historical condition that at least one payment occur more than three months after provision of money, property use or a designated service begins. This affects which transactions may constitute the credit-derived component of natural-person schuldbemiddeling. | S001 art. 1(a), PDF indices 0–1; S008 art. II(A)(1), VII. | Does not decide old agreements, exact debts, or other exclusions; complete 2026 consolidation not certified. |\n| C_NL-P02-C002 | In article 1(a)(2°)–(3°), the 1991 enacted amendment removed lichamelijke from roerende lichamelijke zaak with effect from 1 January 1992. The original 1990 adjective is not correct for the law after this amendment. | S001 art. 1(a); S002 art. I(A), VII, PDF indices 0 and 7. | Subsequent full definition chain remains held; particular property characterization not decided. |\n| C_NL-P02-C003 | The 2011 amendment's article VI states that its articles II and III do not apply to credit agreements entered into before those provisions commenced; because S008 was issued 24 May 2011, the relevant commencement under art. VII is 25 May 2011. | S008 arts. VI–VII and issuance statement. | Does not resolve every historical-debt/application conflict or judicial interpretation of article 47's reference to qualifying transactions. |\n| C_NL-P02-C004 | The 1991 Besluit aanwijzing diensten designated travel-agreement transport/accommodation services for Wck 1(a)(2°)/(3°). This is a definition-linked services designation, not an exemption designating private debt mediators under 48(1)(d). | S001 art. 1(a)(2°)–(3°); S003 arts. 1–3, PDF index 0. | Present consolidated status and later changes to this services instrument not fully proved. |\n| C_NL-P02-C005 | The original Wck art. 47(1) prohibits schuldbemiddeling. Its art. 47(2) defines a professional/business service directed toward arrangements for a natural person's existing debt burden arising wholly or partly from one or more credit transactions, other than concluding a new credit transaction. Each statutory element remains necessary for classification. | S001 art. 47(1)–(2), PDF index 16; S024 2026 government description of Wck 47–48 is corroborative only. | The complete 2026 amended text and individual scope/application are not certified. |\n| C_NL-P02-C006 | The enacted 1990 art. 48(1) contains distinct om niet, municipal, professional and AMvB-designated exceptions. Under original art. 48(3), a contractual departure from rules under 48(2) is void to the extent of the conflict. It does not state that a creditor's underlying claim is extinguished or a judgment annulled. | S001 art. 48(1)(a)–(d), (2)–(3), PDF index 16. | Later amendment and operative-decree requirements must be superimposed; current compensation interpretation held. |\n| C_NL-P02-C007 | The 2007 amendment enacted authority for an AMvB to impose a certificaat requirement relating to mediation under Wck 48(1), effective 1 January 2008. Enacting authority to impose a requirement is not the same as imposing it. | S004 art. ID; S005 sole article; original structure S001 art. 48(2). | No current implementing certificate decree, affected class or operational registration mechanism established. |\n| C_NL-P02-C008 | Wck 48(1)(c)'s separate procureurs category was deleted effective 1 September 2008. Its appointed curatoren/bewindvoerders wording was then expanded to the specified BW 1:383(7) and 1:435(7) categories effective 1 April 2014. | S001 art. 48(1)(c); S006 art. XLVI; S007 sole article; S009 art. III; S010 sole article. | Professional registration, court appointment, personally performed services, staffing/delegation and current qualification detail remain outside this textual finding. |\n| C_NL-P02-C009 | Since 1 January 2019, enacted Wck 48(1)(b) wording recognizes institutions performing mediation in opdracht en voor rekening van gemeenten, replacing the former municipally held-institution wording. | S001 historical 48(1)(b); S013 art. XXVIA; S014 art. II(1) checked against exclusions. | Whether any actual arrangement satisfies both instruction and municipal-account conditions remains untested; no municipal contractor searched. |\n| C_NL-P02-C010 | Effective 1 January 2017, Wck chapters I, IV and X were repealed except the article 1 opening and subparagraphs (a) and (n). Historical Wck articles 2–4 therefore cannot be used as current gateway exemptions. | S011 art. V; S012 sole article; S001 historical 1(a), 1(n), 2–4. | Not a complete amendment search for the retained definition or later articles 47–48. |\n| C_NL-P02-C011 | The temporary 1998 art. 48(1)(d) decree designated qualifying registered mediators during its limited life but expressly expired two years after commencing on 24 July 1998. Its scheme cannot authorize conduct in 2026. | S015 arts. 2–4, issue-date statement. | Does not establish whether some entirely different later designation exists. |\n| C_NL-P02-C012 | A 2013 consultation and unsigned 2014 draft proposed a later Vrijstellingsbesluit, and a 2016 government statement deferred further processing. None of those bodies, as read, establishes an enacted and commenced later exemption. | S016 status/dates; S017 draft arts. 1–6 and blank formalities; S018 Tot slot paragraphs. | Subsequent legislative/instrument history after 2016 not fully certified; no nonexistence inference. |\n| C_NL-P02-C013 | The 2026 Wetsvoorstel schuldregelen project and consultation draft propose Wck repeal/replacement but are not operative enactments in the bodies examined. Separately, bill 36.924 had passed the Tweede Kamer but remained in Eerste Kamer proceedings at this check. | S019 project stage; S020 draft arts. 29–30; S023 Stand van zaken. | Later legislative developments and future commencement are open; proposed terms are not 2026 Wck text. |\n| C_NL-P02-C014 | A ministerial regulation appointed designated DFEI officials to supervise Wck arts. 47–48 effective 1 January 2026, providing recent official evidence of regulatory continuity. | S021 arts. 1–2 and explanation. | The regulation is not a current Wck consolidation and does not establish a certificate or 48(1)(d) designation. Subsequent changes to this supervisory instrument not fully searched. |\n| C_NL-P02-C015 | A readable official 26 October 2026 consolidated Wck body was not obtained. The source-backed reconstruction establishes the enumerated enacted amendments but cannot certify the whole text, full intervening chain or absence of undiscovered changes. | Failed S022; reconstructed material S001–S014; limited cross-check S021/S024. | Methodological/access finding, not an affirmative claim about what every current provision says. |\n| C_NL-P02-C016 | The bounded official review established one expired 48(1)(d) AMvB and later draft proposals, but did not establish a presently operative 48(1)(d) designation or activated certificate requirement. | S001 art. 48(1)(d)/(2); S004–S005 certificate power; S015–S020 historical designation/proposal record; access hold S022. | An evidence-bound unresolved result, not proof that no other operative instrument or lawful capacity exists. |\n\nClaim counts: 16 new atomic claims, `C_NL-P02-C001` through `C_NL-P02-C016`. Their assertions are restricted to the specified actors, agreement periods, provisions and evidence limits. No claim has been designated A097/A098-accepted.\n\n## 6. G4 — Exact targeted disposition of supplied P01 claims\n\nThe supplied original claim texts are retained. This table specifies the proposed overlay; it does not silently replace other P01 claims.\n\n| Original claim and supplied proposition | Disposition and exact bounded correction | New claims and sources | Retained hold |\n| --- | --- | --- | --- |\n| P01-C001 — Article 47 prohibition/definition and qualifying natural-person credit debt | Strengthen limitation; supplement the linked definition. Keep article 47's element-by-element test. Replace reliance on unmodified 1990 article 1(a) with the 1991 movable-property amendment and 2011 removal of the three-month condition, explicitly subject to art. VI legacy agreements. | C_NL-P02-C001–C005, C015; S001–S003, S008, S022 | Complete 2026 consolidation, pre-2011 agreement application, particular debts, nexus. |\n| P01-C002 — Article 48 exceptions, fee-rule delegation and partial contractual invalidity | Material additive correction. Article 48(2) also contains the 2007-inserted power for an AMvB certificate requirement. Do not describe a compulsory current certificate without an active decree. Preserve the limited reading of 48(3). | C_NL-P02-C006–C007, C016; S001, S004–S005, S015–S020 | Currently operative designation/certificate AMvB, fee application, indirect remuneration. |\n| P01-C003 — Municipal-contractor wording in force from 2019 | Retain the supplied conclusion. Independently reconfirm the precise statutory substitution and 1 January 2019 commencement. | C_NL-P02-C009, C015; S013–S014 | Actual opdracht and voor rekening documents, contract interpretation, full subsequent amendments. |\n| P01-C008 — 2017 repeal/retention and historical articles 2–4 trap | Retain and expand the definition-version warning. Correctly excludes historical arts. 2–4; add the 1991 and 2011 changes to retained article 1(a), particularly the express legacy-agreement transition. | C_NL-P02-C001–C004, C010, C015; S001–S003, S008, S011–S012 | Exhaustive definition amendment chain and historical contract application. |\n| P01-C012 — Named professional and appointed-role exceptions | Strengthen chronological/name precision. Confirm procureurs deletion effective 1 September 2008, and Book 1 appointed-role expansion effective 1 April 2014. The P01 description of qualifying categories remains substantially intact. | C_NL-P02-C008, C015; S001, S006–S007, S009–S010 | Individual admission/appointment, work personally undertaken versus staff delegation, later professional-law changes. |\n| P01-C044 — No blanket paid-private commercial licence proved | Retain as a bounded negative, with a stronger express hold. Statute contains AMvB designation and certificate-rule powers; the examined historical designation is expired, and current implementing instruments have not been certified. Do not recast this as proof that no lawful route exists. | C_NL-P02-C007, C011–C016; S004–S005, S015–S023 | Complete current implementing regulations and legislative history; no provider-specific determination. |\n\n### Old-to-new source identity preservation\n\n| Original P01 authority | Original material retained | New reconciliation source |\n| --- | --- | --- |\n| P01-S001, Staatsblad 1990, 395 | The authentic historical base text; not replaced as a historical record | P02-S001, supplemented by P02-S002, S004, S006, S008 for changes missing from a 1990-only reading |\n| P01-S002, Staatsblad 2016, 360 | Art. V retained definitions/repealed chapters | P02-S011 |\n| P01-S003, Staatsblad 2016, 438 | Commencement 1 Jan 2017 | P02-S012 |\n| P01-S004, Staatsblad 2013, 414 | Professional BW Book 1 amendment | P02-S009, paired explicitly with P02-S010 commencement |\n| P01-S005, Staatsblad 2018, 424 | Municipal-contractor amendment | P02-S013 |\n| P01-S006, Staatsblad 2018, 425 | Municipal amendment commencement | P02-S014 |\n\nNo renumbering or overwriting of the other 42 P01 claims is authorized. Their findings, qualifications and review status remain as previously recorded.\n\n## 7. Granular G1–G4 coverage register\n\nStatus definitions\n\n- answered: The specifically identified amendment, enactment, commencement, expiration or historical proposition was verified. This does not imply full 2026 consolidation certification.\n- partial: A material proposition is supported, but a source-version, linked-rule or interpretive predicate remains.\n- unresolved: Evidence does not support the requested determination.\n- excluded_with_reason: Outside the expressly narrowed PASS-02 remit.\n\n### G1 — Current-definition and exception reconstruction\n\n| Coverage ID | Exact subissue | Status | Finding / exact new claim IDs | Missing evidence and next focused action |\n| --- | --- | --- | --- | --- |\n| K001 | Official Wck consolidation as of 26 Oct 2026 | unresolved | §1 currentness; C_NL-P02-C015 | Official body inaccessible. Obtain the government amendment-information table and 2026 consolidated arts. 1(a)/(n), 47, 48. |\n| K002 | Article 1(a)(1°), money-advance branch | partial | §1.1; C_NL-P02-C001, C005, C015 | Original branch read; complete subsequent wording not certified. Reconcile all article 1(a) amendments from official history. |\n| K003 | Article 1(a)(2°)–(3°), movable-property adjective | answered | §1.1; C_NL-P02-C002 | 1991 change/date proved. Separately certify subsequent version history before using a complete present-text quotation. |\n| K004 | Historical three-month credit-definition condition | answered | §1.1; C_NL-P02-C001 | Deletion and commencement proved. Must not extrapolate to every earlier agreement. |\n| K005 | Pre-commencement credit agreements | partial | §1.1; C_NL-P02-C003 | Statutory transition read. Next: separately analyze the applicable agreement date and the cross-time article 47 interpretation; no individual contract reviewed. |\n| K006 | Services designated for Wck 1(a)(2°)/(3°) | partial | §1.1; C_NL-P02-C004 | Original 1991 AMvB read; retrieve 2026 consolidation and all modifications/commencement. |\n| K007 | Retained article 1(n), gemeentelijke kredietbank | partial | §1.5; C_NL-P02-C010, C015 | Original definition and 2017 retention established; check later changes to its wording. |\n| K008 | Article 47(1) prohibition | partial | §1.2; C_NL-P02-C005, C014–C015 | Original text and 2026 supervisory continuity read; verify complete amended text. |\n| K009 | Article 47(2) professional activity/natural-person/credit-derived elements | partial | §1.2; C_NL-P02-C001–C005, C015 | Linked definition corrected; current complete body and judicial application held. |\n| K010 | Article 48(1)(a), om niet | partial | §1.3; C_NL-P02-C006, C015 | Original exception read. Indirect benefit, third-party payment and mixed-fee interpretation explicitly held. |\n| K011 | Article 48(1)(b), municipal contractor | answered | §1.3; C_NL-P02-C009 | Exact 2019 amendment proved. Municipal instructions, expense account and individual contractor documents not examined. |\n| K012 | Article 48(1)(c), professions/appointments | answered | §1.3; C_NL-P02-C008 | Exact 2008 and 2014 word changes proved. Professional admission, appointments and delegation remain separate. |\n| K013 | Article 48(1)(d), operative designated classes | unresolved | §3.4; C_NL-P02-C016 | Locate and read every presently operative linked AMvB, if any, with commencement and expiry. |\n| K014 | Article 48(2), certificate-enabling language | answered | §1.4; C_NL-P02-C007 | Statutory authority verified. Separate implementing requirement unresolved. |\n| K015 | Article 48(2), fee-rule delegation | partial | §1.4; C_NL-P02-C006–C007, C016 | Historical delegation understood; operative conditions not verified. Consumer fee amounts/timing/caps remain excluded. |\n| K016 | Article 48(3), contractual departures | partial | §1.4; C_NL-P02-C006, C015 | Historical conditional rule read. No current implementing rule or particular contract examined. |\n| K017 | Historical Wck arts. 2–4 after 2017 repeal | answered | §1.5; C_NL-P02-C010 | Repeal established. Other statutes' exclusions require separate research; old Wck provisions must not be revived by implication. |\n\n### G2 — Amendment and commencement\n\n| Coverage ID | Exact subissue | Status | Finding / exact new claim IDs | Missing evidence and next focused action |\n| --- | --- | --- | --- | --- |\n| K018 | 1991 movable-property amendment and start | answered | §2; C_NL-P02-C002 | Art. I(A) and VII read. No further action for these enactment facts. |\n| K019 | 2007 certificate-power amendment and start | answered | §2; C_NL-P02-C007 | Art. ID and separate 2008 commencement read. Implementing decree is K031. |\n| K020 | 2008 procureurs deletion and start | answered | §2; C_NL-P02-C008 | Art. XLVI and 1 Sep 2008 decree read. |\n| K021 | 2011 three-month deletion, issue date, transition and start | answered | §2; C_NL-P02-C001, C003 | Relevant enacted clauses checked. Case-level interpretation still held separately at K005. |\n| K022 | 2013 professional wording and actual commencement | answered | §2; C_NL-P02-C008 | 2013 art. III and 2014 commencement read. |\n| K023 | 2016 retained definitions/chapter repeal and start | answered | §2; C_NL-P02-C010 | Act and commencement read. Does not certify every retained-definition change. |\n| K024 | 2018 municipal substitution and 2019 start | answered | §2; C_NL-P02-C009 | Act plus exceptions in commencement decree read. |\n| K025 | Exhaustive post-1990/post-2019 amendment chain | unresolved | §1 currentness; C_NL-P02-C015 | Retrieve full official Wck amendment index, amending articles, corrections, commencement orders and consolidations through the access date. |\n| K026 | 2026 proposed Wet schuldregelen repeal/reform | answered | §3.3; C_NL-P02-C013 | Current proposal status, draft repeal and future-start mechanism verified. Monitor future enactment/commencement separately. |\n| K027 | 2026 consumer-credit implementation bill 36.924 | answered | §3.3; C_NL-P02-C013 | Official pending parliamentary status verified. Any later enacted text and commencement require a new check. |\n\n### G3 — Current designation gateway\n\n| Coverage ID | Exact subissue | Status | Finding / exact new claim IDs | Missing evidence and next focused action |\n| --- | --- | --- | --- | --- |\n| K028 | 1998 temporary designation and expiry | answered | §3.1; C_NL-P02-C011 | Enacted articles, commencement trigger and self-expiry read. No basis to apply former fee rules in 2026. |\n| K029 | 2013 consultation, 2014 draft, 2016 deferral | answered | §3.2; C_NL-P02-C012 | Historical proposal status proved. This does not answer whether another later instrument exists. |\n| K030 | Present operative 48(1)(d) designation | unresolved | §3.4; C_NL-P02-C016 | Obtain official linked subordinate instruments as of Oct 2026 and confirm every operative designation provision. |\n| K031 | Present certificate requirement, category or certification authority | unresolved | §3.4; C_NL-P02-C007, C016 | Locate implementing AMvB, if any; read its conditions, scope, start, amendments and expiry before asserting a requirement. |\n\n### G4 — Bounded disposition and excluded application questions\n\n| Coverage ID | Exact subissue | Status | Finding / exact new claim IDs | Missing evidence and next focused action |\n| --- | --- | --- | --- | --- |\n| K032 | Six identified P01 claim replacements/limitations | answered | §6; C_NL-P02-C001–C016, individually mapped to P01-C001/C002/C003/C008/C012/C044 | This is researcher reconciliation, not coordinator acceptance. Do not alter the remaining 42 claim records. |\n| K033 | Application issues outside current-text reconciliation | excluded_with_reason | §§1–3; C_NL-P02-C015–C016 establish the source/instrument holds, not application conclusions | Indirect remuneration, staff delegation, actual contractor contracts, cross-border nexus, creditor response, debtor funds, fees/remedies and judicial interpretation belong to other scoped work. |\n\n### Separately targeted original coverage rows\n\nThe task packet supplies the following eight A-row identifiers, but not their verbatim P01 coverage-row bodies. Unlike the six original claim rows, there is no supplied statement to compare word-for-word. I therefore cannot truthfully assert an exact old-to-new text replacement for any particular A-row. Each remains open for a read-only comparison with its saved original row, using the subject-specific claims established above.\n\nThis prevents an unsupported assumption that, for example, `A07` necessarily represents one particular Wck exception.\n\n| Original targeted row | Status | Exact claim supported now | Missing evidence and exact disposition action |\n| --- | --- | --- | --- |\n| A01 | unresolved | C_NL-P02-C015 establishes the cross-cutting currentness hold | Read saved A01 body; identify its exact assertion and append only matching C001–C016 correction. |\n| A02 | unresolved | C_NL-P02-C015 | Read saved A02 body; check whether it repeats original article 1(a) wording or timing; map the specific amendment if present. |\n| A03 | unresolved | C_NL-P02-C015 | Read saved A03 body; test whether municipal or exception wording is asserted; preserve unchanged material. |\n| A07 | unresolved | C_NL-P02-C015 | Read saved A07 body; test the article 48 enabling and implementing-instrument distinction if implicated. |\n| A08 | unresolved | C_NL-P02-C015 | Read saved A08 body; check retained definitions and historical exclusions only if that is its actual subject. |\n| A10 | unresolved | C_NL-P02-C015 | Read saved A10 body; determine precise actor/exception statement before making any replacement. |\n| A18 | unresolved | C_NL-P02-C015 | Read saved A18 body; test professional wording and dates only if contained there. |\n| A35 | unresolved | C_NL-P02-C015 | Read saved A35 body; distinguish a negative registration/licence conclusion from an unverified designation or certificate instrument. |\n\nThe conditional checks in this table are retrieval questions, not assertions about those original row contents. Until the verbatim bodies are reconciled, these eight rows must not be marked substantively accepted.\n\n## 8. Read-only research log and limitations\n\n| Source system / search boundary | Actually attempted | Result and significance |\n| --- | --- | --- |\n| `wetten.overheid.nl`, `BWBR0004815` date-specific consolidation | Direct current-version retrieval | Failed to return a readable operative body. Did not repeatedly retry the inaccessible endpoint. S022. |\n| `zoek.officielebekendmakingen.nl`, original Wck | Original Staatsblad 1990, 395 PDF | Opened article 1 and articles 47–48. Historical baseline only. S001. |\n| `zoek.officielebekendmakingen.nl`, named Wck amendments and commencement instruments | 1991, 2007, 2008, 2011, 2013/14, 2016/17 and 2018/19 instruments | Opened actual relevant enacted bodies and commencement provisions. S002, S004–S014. |\n| Official enacted AMvB search for `artikel 48, eerste lid, onder d`, `schuldbemiddelaars`, vrijstelling and certificaat | Official search plus opened 1998 decree | Expired operative historical designation established. Present designation not positively identified. S015. |\n| Official 2013–16 later-Vrijstellingsbesluit trail | Consultation, actual draft PDF and government communication | Proposal and deferral established, not a commenced decree. S016–S018. |\n| Linked article 1(a) service-definition instrument | 1991 Besluit aanwijzing diensten | Original designation opened. This was not mistaken for an article 48(1)(d) designation. S003. |\n| 2026 Dutch legislative monitoring | Government legislative calendar, public draft, Senate parliamentary status | Current identified proposal status separated from operative text. S019–S020, S023–S024. |\n| Recent regulatory continuity | 2025 designation of supervisory officials, effective 2026 | Relevant current-date corroboration but not a consolidation. S021. |\n| Unofficial republishers/search-engine snippets | Discovery only | Not used to certify the Wck or an exemption. No private provider/person searches. |\n\nNot performed: full official legislative citator, complete amendment graph, every linked AMvB history, every professional qualification rule, real-world contract analysis, Dutch territorial-nexus opinion, municipal-policy audit, private information access, filings, applications, payments, complaints or contacts.\n\nHistorical Staatsblad electronic copies issued before July 2009 are service facsimiles; the originally authoritative paper publications were not physically inspected. No PDF page index is claimed for an HTML-only read.\n\n## 9. Researcher self-check and publication holds\n\n## PASS-02 visible register counts\n\nSource rows\n\n# 24\n\n23 opened bodies; 1 failed consolidationNew atomic claims\n\n# 16\n\nC001–C016G1–G4 coverage rows\n\n# 33\n\nK001–K033Targeted original A-row holds\n\n# 8\n\nPlus 6 claim and 6 source mappings### Material questions still open\n\n1. Full current version: What does the official Wck amendment/consolidation record actually show for every change affecting articles 1(a), 1(n), 47 and 48 up to the research date?\n2. Service-designation survival: Has the 1991 Besluit aanwijzing diensten been changed or repealed by an operative later instrument?\n3. Present 48(1)(d) route: Is there a later enacted, currently commenced and unexpired AMvB designating paid private mediators, notwithstanding the expired 1998 decree and nonoperative later drafts?\n4. Certificate activation: Has any operative AMvB exercised the 2007 article 48(2) power, and for exactly which covered actors or activities?\n5. Legacy debt: How does the 2011 express credit-agreement transition interact with a later debt-mediation service concerning an agreement executed before 25 May 2011?\n6. Original coverage reconciliation: What do the saved A01/A02/A03/A07/A08/A10/A18/A35 rows actually say, and which of the newly established amendments changes their wording?\n\n### Evidence-grounded publication opportunities\n\nAfter the outstanding primary-source checks, SettleADebt could usefully publish:\n\n- A dated, version-controlled article explaining why the Wck's 1990 credit definition is not sufficient for evaluating later mediation activity.\n- An annotated article 48 actor/exception comparison showing municipal contractors, appointed professionals, gratuitous service and designated private actors as separate branches.\n- A historical-versus-operative decree warning: the expired 1998 Tijdelijk vrijstellingsbesluit, the 2013–14 drafts and a 2026 proposal are three different legal statuses.\n- A compact source-document decision checklist: agreement execution date, type of credit transaction, debt history, service purpose, compensation description, claimed statutory capacity, municipal instruction or appointment, and claimed implementing-decree authority. No actual person or provider verification would be implied.\n- A change-monitoring field set that stores enactment, publication, commencement, repeal, transition, evidence-access and review dates separately.\n\n### Publication and operational holds\n\nDo not publish as a certified 2026 legal gatewayThe following claims must remain withheld unless individually supported by the outstanding official text and implementing-instrument checks:\n\n- “All private paid debt mediation in the Netherlands requires licence X.”\n- “All article 48(1) actors must hold certificate Y.”\n- “A current article 48(1)(d) exemption definitely exists” or “definitely does not exist.”\n- “A historical 1998 or proposed 2014 fee formula governs in 2026.”\n- “A free initial consultation necessarily places a paid service outside article 47.”\n- “A foreign provider, ordinary business registration, municipal referral or professional employee automatically qualifies.”\n- “A provider's violation cancels the debt, releases security, voids a judgment or guarantees a private refund.”\n\nPreserved boundaries: P01's unaffected findings and remaining 42 claims are not reopened. The original 128 coverage rows are not accepted or overwritten. Municipal/provincial and Kingdom-territory coverage, foreign/remote nexus, creditor obligations, compensation interpretation, contractual/funds rules, professional-staff delegation, consumer remedies and judicial precedents remain outside this pass.\n\nResearcher-only conclusion: This pass has independently verified material amendments and their commencements, including changes the 1990-based P01 reconstruction could miss. It has not certified the full current Wck consolidation or a presently operative article 48(1)(d) designation. The eight original A-row texts were not furnished for literal reconciliation, so their exact replacements remain held.\n\nCoordinator review must separately reopen consequential enactments, verify complete later amendments and implementing rules, and compare the saved P01 coverage cells. This is not independent review, Dutch-country completion or A097/A098 acceptance.\n\nEND C_NL PASS-02\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Selected provision","Historical text or position","Verified enacted change","Effective date"],["Wck article 1(a)(2°)–(3°)","Credit transactions involving a roerende lichamelijke zaak","Removed lichamelijke, leaving roerende zaak","1 January 1992"],["Wck article 48(2)","Delegated authority for remuneration rules","Added express authority for an AMvB to require a certificaat for mediation referred to in article 48(1)","1 January 2008"],["Wck article 48(1)(c)","Included procureurs among professional exceptions","Removed procureurs","1 September 2008"],["Wck article 1(a)","Required at least one borrower payment more than three months after the relevant advance or performance began","Deleted the three-month condition, subject to an express transition for earlier credit agreements","25 May 2011"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Paragraph","Reconstructed exception","Essential limitation"],["48(1)(a)","Om niet — gratuitous mediation","Indirect payment and mixed remuneration remain interpretive holds."],["48(1)(b)","Municipalities, municipal credit banks, and institutions acting in opdracht en voor rekening van gemeenten","The last category needs evidence of both municipal instruction and performance for the municipal account."],["48(1)(c)","Advocaten; qualifying curatoren and bewindvoerders under the Faillissementswet or the specified Book 1 BW provisions; notarissen, deurwaarders, registeraccountants, and accountants-administratieconsulenten","Professional identity does not prove an unrelated employee or corporate vehicle inherits the exception. Procureurs were removed in 2008."],["48(1)(d)","Natural or legal persons or categories actually designated by an operative AMvB","A present qualifying designation has not been established in this pass."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Provision","Amendment identity and precise operation","Commencement evidence","Disposition"],["1(a)(2°)–(3°)","1991, 630, art. I(A): delete lichamelijke twice","Same instrument, art. VII: 1 Jan 1992","Verified enacted and effective; complete subsequent chain held"],["1(a), final timing condition","2011, 246, art. II(A)(1): delete the payment-after-three-months qualification","Arts VI–VII; issue 24 May 2011, effective 25 May 2011","Verified for agreements to which amendment applies; legacy transition must be tested"],["1(a)(2°)–(3°), designated services","1991, 515, art. 1: travel-agreement passenger transport/accommodation designation","Art. 2: alongside Wck commencement","Historical enacted designation verified; full 2026 instrument history held"],["1(n)","Original municipal credit-bank definition expressly retained","2016, 360, art. V plus 2016, 438","Retention effective 1 Jan 2017; no complete 2026 word-for-word certification"],["47(1)–(2)","Original prohibition and activity definition; no identified express replacement in selected amendments","Original source plus later specific amendments and 2026 supervisory reference","Reconstructed; not a full positive finding that no other amendment exists"],["48(1)(a), (d), (3)","Original gratuitous exception, AMvB designation power and conditional contractual-invalidity rule","Original 1990 law; selected amendments","Historical text established; current instrument and amendment holds retained"],["48(1)(b)","2018, 424, art. XXVIA: municipal-contractor substitution","2018, 425, art. II(1): 1 Jan 2019","Verified"],["48(1)(c), procureurs","2008, 100, art. XLVI: delete named profession","2008, 274, sole article: 1 Sep 2008","Verified"],["48(1)(c), appointed roles","2013, 414, art. III: add BW 1:383(7) and 1:435(7) route","2014, 85, sole article: 1 Apr 2014","Verified; actual appointment/qualification remains fact-dependent"],["48(2), certificaat","2007, 192, art. ID: insert delegated certificate power","2007, 222, sole article: 1 Jan 2008","Power verified; activation by AMvB unresolved"],["Chapters I, IV, X","2016, 360, art. V: repeal except article 1 opening/(a)/(n)","2016, 438: 1 Jan 2017","Verified; original articles 2–4 cannot be current exceptions"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[]],"rows":[["Material","Actual status verified","Why it cannot authorize current paid mediation"],["2013 Concept-Vrijstellingsbesluit schuldbemiddelaars consultation","Published 11 July 2013; consultation closed 28 August 2013","A closed consultation is not an enacted AMvB."],["July 2014 draft hosted by the Eerste Kamer","Draft articles 1–6, with incomplete decree formalities and a proposed 2015 start","Its proposed conditions and start date do not demonstrate promulgation or commencement."],["Government communication, Kamerstuk 34 509, nr. 1","In 2016 the government described postponing further processing pending municipal-quality considerations","Evidence of historical policy status in 2016, not proof about every possible later decree."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source; issuer; literal direct URL","Actual body read and exact pinpoint","Version, status, actor/scope and limits"],["C_NL-P02-S001 — Kroon/legislature, Wet op het consumentenkrediet, Staatsblad 1990, 395. https://zoek.officielebekendmakingen.nl/stb-1990-395.pdf","Art. 1 opening/(a), PDF indices 0–1, printed Staatsblad pp. 1–2; art. 1(n), index 1 / p. 2; arts. 47(1)–(2), 48(1)(a)–(d), (2)–(3), index 16 / p. 17.","Original enacted Dutch text. Historical, not consolidated 2026 law. Credit-transaction definition, natural-person debt mediation and exceptions. Pre-July-2009 electronic facsimile; printed original not physically inspected. \nzoek.officielebekendmakingen.nl\n+1"],["C_NL-P02-S002 — Kroon/legislature, Wck/BW adaptation, Staatsblad 1991, 630. https://zoek.officielebekendmakingen.nl/stb-1991-630.pdf","Art. I(A), PDF index 0 / printed p. 1; art. VII, index 7 / printed p. 8.","Enacted amendment; relevant alteration effective 1 Jan 1992. Read limited to the selected Wck definition alteration and commencement; other provisions not audited. \nzoek.officielebekendmakingen.nl\n+1"],["C_NL-P02-S003 — Kroon, Besluit aanwijzing diensten Wet op het consumentenkrediet, Staatsblad 1991, 515. https://zoek.officielebekendmakingen.nl/stb-1991-515.pdf","Arts. 1–3, PDF index 0 / printed p. 1; explanatory service-scope passage index 2 / printed p. 3.","Original enacted AMvB identifying a category of services under Wck 1(a)(2°)/(3°), not persons designated under 48(1)(d). Effective upon Wck commencement under art. 2. Later amendment/repeal history and 2026 consolidated status not fully certified. \nzoek.officielebekendmakingen.nl"],["C_NL-P02-S004 — Kroon/legislature, Wsnp-revision amendment, Staatsblad 2007, 192. https://zoek.officielebekendmakingen.nl/stb-2007-192.html","Art. ID, insertion into Wck 48(2). HTML; printed page not separately inspected; PDF index N/A.","Enacted express certificate-rule delegation, effective only upon S005 commencement. Does not itself establish an operational certificate system. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S005 — Kroon, commencement decree, Staatsblad 2007, 222. https://zoek.officielebekendmakingen.nl/stb-2007-222.html","Enig artikel. HTML; printed page not inspected; PDF index N/A.","Enacted commencement instrument: 1 Jan 2008 for S004. Read to relevant commencement. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S006 — Kroon/legislature, Wet afschaffing procuraat en invoering elektronisch berichtenverkeer, Staatsblad 2008, 100. https://zoek.officielebekendmakingen.nl/stb-2008-100.html","Art. XLVI removing procureurs from Wck 48(1)(c); art. LX requiring separate commencement. HTML; printed page not inspected; PDF index N/A.","Enacted amendment, operative through S007. Other procedural-law provisions not studied. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S007 — Kroon, commencement, Staatsblad 2008, 274. https://zoek.officielebekendmakingen.nl/stb-2008-274.html","Enig artikel. HTML; printed page not inspected; PDF index N/A.","Commenced S006 on 1 Sep 2008. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S008 — Kroon/legislature, consumer-credit-directive implementation, Staatsblad 2011, 246. https://zoek.officielebekendmakingen.nl/stb-2011-246.html","Art. II(A)(1) deleting Wck 1(a) timing phrase; arts. VI–VII transition/commencement; issue-date statement following art. VII. HTML; printed page not inspected; PDF index N/A.","Enacted. Issued 24 May 2011; applicable amendment effective 25 May 2011 under conditional art. VII. Art. VI preserves a distinction for earlier credit agreements. Old amendments to Wck art. 2 are not treated as current after 2017. \nOverheid.nl > Officiële bekendmakingen\n+1"],["C_NL-P02-S009 — Kroon/legislature, Wet wijziging curatele, beschermingsbewind en mentorschap, Staatsblad 2013, 414. https://zoek.officielebekendmakingen.nl/stb-2013-414.html","Art. III substitution within Wck 48(1)(c); arts. V–VI separate transition/commencement framework. HTML; printed page not inspected; PDF index N/A.","Enacted expansion to the specified BW Book 1 appointed categories. Specific commencement from S010. Detailed professional qualification and individual appointment facts not determined. \nOverheid.nl > Officiële bekendmakingen\n+1"],["C_NL-P02-S010 — Kroon, commencement, Staatsblad 2014, 85. https://zoek.officielebekendmakingen.nl/stb-2014-85.html","Enig artikel, expressly including S009 art. III. HTML; printed page not inspected; PDF index N/A.","Relevant effective date 1 Apr 2014. Accompanying explanation discusses quality requirements and transitional appointments; this pass does not certify individual qualifications. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S011 — Kroon/legislature, consumer-credit/goederenkrediet BW reform, Staatsblad 2016, 360. https://zoek.officielebekendmakingen.nl/stb-2016-360.html","Art. V, Wck chapter repeal and expressly retained 1 opening/(a)/(n). HTML; printed page not inspected; PDF index N/A.","Enacted repeal; commencement separately S012. Repealed Wck chapters cannot supply current exclusions. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S012 — Kroon, commencement, Staatsblad 2016, 438. https://zoek.officielebekendmakingen.nl/stb-2016-438.html","Enig artikel. HTML; printed page not inspected; PDF index N/A.","Commenced S011 on 1 Jan 2017. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S013 — Kroon/legislature, Verzamelwet SZW 2019, Staatsblad 2018, 424. https://zoek.officielebekendmakingen.nl/stb-2018-424.html","Art. XXVIA, Wck 48(1)(b) old/new substitution. HTML; printed page not inspected; PDF index N/A.","Enacted change to municipal-contractor words. Specific effective date depends on S014. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S014 — Kroon, commencement, Staatsblad 2018, 425. https://zoek.officielebekendmakingen.nl/stb-2018-425.html","Art. II(1) with exclusions checked against II(2)–(3). HTML; printed page not inspected; PDF index N/A.","Art. XXVIA is not excluded; effective 1 Jan 2019. Published 22 Nov 2018, a distinct date. \nOverheid.nl > Officiële bekendmakingen"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source; issuer; literal direct URL","Actual body read and exact pinpoint","Version, status, actor/scope and limits"],["C_NL-P02-S015 — Kroon, Tijdelijk vrijstellingsbesluit schuldbemiddelaars, Staatsblad 1998, 454. https://zoek.officielebekendmakingen.nl/stb-1998-454.html","Arts. 1–5, especially 2 (designated categories) and 4 (commencement/sunset); selected Nota van toelichting, introductory paragraphs. HTML; printed page not inspected; PDF index N/A.","Enacted historical art. 48(1)(d) designation. Issued 23 Jul 1998; commenced next day; sunset after two years. Its former registration/fee provisions are expired, not modern requirements. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S016 — Dutch government internet consultation, Concept-Vrijstellingsbesluit schuldbemiddelaars. https://www.internetconsultatie.nl/vrijstellingsbesluit_schuldbemiddelaars/details","Consultation title, description, dates and status fields. HTML; printed page/PDF index N/A.","Consultation 11 Jul–28 Aug 2013, closed. Discovery of a proposal, not an enacted rule. \ninternetconsultatie.nl"],["C_NL-P02-S017 — Government draft presented through Eerste Kamer, Besluit … houdende vrijstelling. https://www.eerstekamer.nl/overig/20140704/besluit_van_houdende_vrijstelling/document","Draft arts. 1–6, PDF indices 0–2, printed pagination not independently certified; blank decree formalities and projected commencement inspected.","17-page proposal, not a promulgated Staatsblad instrument. Draft fees, professional conditions and proposed start are nonoperative. Only identity/version/proposal status used. \neerstekamer.nl"],["C_NL-P02-S018 — Dutch government communication to Tweede Kamer, Kamerstuk 34 509, nr. 1. https://zoek.officielebekendmakingen.nl/kst-34509-1.html","Section Tot slot, paragraphs discussing Vrijstellingsbesluit schuldbemiddelaars and deferral. HTML; printed page not inspected; PDF index N/A.","Official 2016 policy statement, not legislation or certification of 2026 decree status. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S019 — Overheid.nl legislative calendar, Wetsvoorstel schuldregelen, WGK012536. https://wetgevingskalender.overheid.nl/Regeling/WGK012536","Project summary, Voortgang, Mijlpalen en documenten; 2026 consultation dates. HTML; printed page/PDF index N/A.","Official live project listing accessed this pass; preparation-stage proposal, not Wck repeal. Future updates possible. \nWetgevingskalender"],["C_NL-P02-S020 — Government internet consultation, draft Wet schuldregelen. https://www.internetconsultatie.nl/wetschuldregelen/document/15794","Draft arts. 1–2, PDF indices 0–1; draft arts. 29–30, indices 6–7; separate printed pagination not independently established.","Eight-page consultation draft, not enacted. Proposed repeal and future commencement are not operative. \nConcept Regeling\n+1"],["C_NL-P02-S021 — Staatssecretaris SZW, Regeling aanwijzing toezichthouder Wet op het consumentenkrediet, Staatscourant 2025, 40669. https://zoek.officielebekendmakingen.nl/stcrt-2025-40669.html","Arts. 1–3 and explanatory paragraphs concerning transfer to DFEI. HTML; printed page not inspected; PDF index N/A.","Enacted ministerial supervisory designation, commenced 1 Jan 2026. Strong indication of ongoing regulatory treatment of arts. 47–48 at that date, not full current-text certification or proof of an art. 48(1)(d) decree. \nOverheid.nl > Officiële bekendmakingen"],["C_NL-P02-S022 — Official wetten.overheid.nl, requested date-specific Wck consolidation. https://wetten.overheid.nl/BWBR0004815/2026-10-26","No substantive body obtained; retrieval returned an error. Printed page/PDF index N/A.","Failed access — non-evidentiary. The date in the requested URL is not proof the text was read, published or certified. Official Staatsblad enactments were used as the alternative; complete amendment-index reconciliation remains outstanding."],["C_NL-P02-S023 — Eerste Kamer, parliamentary dossier 36.924, Implementatiewet herziene richtlijn consumentenkrediet. https://www.eerstekamer.nl/wetsvoorstel/36924_implementatiewet_herziene?df1=all&df2=kst","Stand van zaken, adopted Tweede Kamer vote 6 Oct 2026, Eerste Kamer scheduled committee step and proposed commencement. HTML; printed page/PDF index N/A.","Official pending parliamentary status as accessed; not a commenced enacted amendment. Not evidence of any current article 48 designation. \nEerste Kamer der Staten-Generaal"],["C_NL-P02-S024 — Tweede Kamer, explanatory memorandum, Kamerstuk 36 924, nr. 3. https://zoek.officielebekendmakingen.nl/kst-36924-3.html","Explanatory section on schuldadviesdiensten, including its description of existing Wck 47–48 (body paragraphs around the discussion of credit banks and debt advice). HTML; printed page not separately inspected; PDF index N/A.","2026 legislative explanation, secondary to enacted text for current-law purposes. Used only as a dated governmental cross-check; not an enacted substitution or a complete 2026 Wck consolidation. \nOverheid.nl > Officiële bekendmakingen"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["New atomic claim","Exact proposition, actors, conditions and consequence","Supporting source and pinpoint","Remaining evidence limit"],["C_NL-P02-C001","For credit agreements to which the 2011 Wck amendment applies, article 1(a) no longer imposes the historical condition that at least one payment occur more than three months after provision of money, property use or a designated service begins. This affects which transactions may constitute the credit-derived component of natural-person schuldbemiddeling.","S001 art. 1(a), PDF indices 0–1; S008 art. II(A)(1), VII.","Does not decide old agreements, exact debts, or other exclusions; complete 2026 consolidation not certified."],["C_NL-P02-C002","In article 1(a)(2°)–(3°), the 1991 enacted amendment removed lichamelijke from roerende lichamelijke zaak with effect from 1 January 1992. The original 1990 adjective is not correct for the law after this amendment.","S001 art. 1(a); S002 art. I(A), VII, PDF indices 0 and 7.","Subsequent full definition chain remains held; particular property characterization not decided."],["C_NL-P02-C003","The 2011 amendment's article VI states that its articles II and III do not apply to credit agreements entered into before those provisions commenced; because S008 was issued 24 May 2011, the relevant commencement under art. VII is 25 May 2011.","S008 arts. VI–VII and issuance statement.","Does not resolve every historical-debt/application conflict or judicial interpretation of article 47's reference to qualifying transactions."],["C_NL-P02-C004","The 1991 Besluit aanwijzing diensten designated travel-agreement transport/accommodation services for Wck 1(a)(2°)/(3°). This is a definition-linked services designation, not an exemption designating private debt mediators under 48(1)(d).","S001 art. 1(a)(2°)–(3°); S003 arts. 1–3, PDF index 0.","Present consolidated status and later changes to this services instrument not fully proved."],["C_NL-P02-C005","The original Wck art. 47(1) prohibits schuldbemiddeling. Its art. 47(2) defines a professional/business service directed toward arrangements for a natural person's existing debt burden arising wholly or partly from one or more credit transactions, other than concluding a new credit transaction. Each statutory element remains necessary for classification.","S001 art. 47(1)–(2), PDF index 16; S024 2026 government description of Wck 47–48 is corroborative only.","The complete 2026 amended text and individual scope/application are not certified."],["C_NL-P02-C006","The enacted 1990 art. 48(1) contains distinct om niet, municipal, professional and AMvB-designated exceptions. Under original art. 48(3), a contractual departure from rules under 48(2) is void to the extent of the conflict. It does not state that a creditor's underlying claim is extinguished or a judgment annulled.","S001 art. 48(1)(a)–(d), (2)–(3), PDF index 16.","Later amendment and operative-decree requirements must be superimposed; current compensation interpretation held."],["C_NL-P02-C007","The 2007 amendment enacted authority for an AMvB to impose a certificaat requirement relating to mediation under Wck 48(1), effective 1 January 2008. Enacting authority to impose a requirement is not the same as imposing it.","S004 art. ID; S005 sole article; original structure S001 art. 48(2).","No current implementing certificate decree, affected class or operational registration mechanism established."],["C_NL-P02-C008","Wck 48(1)(c)'s separate procureurs category was deleted effective 1 September 2008. Its appointed curatoren/bewindvoerders wording was then expanded to the specified BW 1:383(7) and 1:435(7) categories effective 1 April 2014.","S001 art. 48(1)(c); S006 art. XLVI; S007 sole article; S009 art. III; S010 sole article.","Professional registration, court appointment, personally performed services, staffing/delegation and current qualification detail remain outside this textual finding."],["C_NL-P02-C009","Since 1 January 2019, enacted Wck 48(1)(b) wording recognizes institutions performing mediation in opdracht en voor rekening van gemeenten, replacing the former municipally held-institution wording.","S001 historical 48(1)(b); S013 art. XXVIA; S014 art. II(1) checked against exclusions.","Whether any actual arrangement satisfies both instruction and municipal-account conditions remains untested; no municipal contractor searched."],["C_NL-P02-C010","Effective 1 January 2017, Wck chapters I, IV and X were repealed except the article 1 opening and subparagraphs (a) and (n). Historical Wck articles 2–4 therefore cannot be used as current gateway exemptions.","S011 art. V; S012 sole article; S001 historical 1(a), 1(n), 2–4.","Not a complete amendment search for the retained definition or later articles 47–48."],["C_NL-P02-C011","The temporary 1998 art. 48(1)(d) decree designated qualifying registered mediators during its limited life but expressly expired two years after commencing on 24 July 1998. Its scheme cannot authorize conduct in 2026.","S015 arts. 2–4, issue-date statement.","Does not establish whether some entirely different later designation exists."],["C_NL-P02-C012","A 2013 consultation and unsigned 2014 draft proposed a later Vrijstellingsbesluit, and a 2016 government statement deferred further processing. None of those bodies, as read, establishes an enacted and commenced later exemption.","S016 status/dates; S017 draft arts. 1–6 and blank formalities; S018 Tot slot paragraphs.","Subsequent legislative/instrument history after 2016 not fully certified; no nonexistence inference."],["C_NL-P02-C013","The 2026 Wetsvoorstel schuldregelen project and consultation draft propose Wck repeal/replacement but are not operative enactments in the bodies examined. Separately, bill 36.924 had passed the Tweede Kamer but remained in Eerste Kamer proceedings at this check.","S019 project stage; S020 draft arts. 29–30; S023 Stand van zaken.","Later legislative developments and future commencement are open; proposed terms are not 2026 Wck text."],["C_NL-P02-C014","A ministerial regulation appointed designated DFEI officials to supervise Wck arts. 47–48 effective 1 January 2026, providing recent official evidence of regulatory continuity.","S021 arts. 1–2 and explanation.","The regulation is not a current Wck consolidation and does not establish a certificate or 48(1)(d) designation. Subsequent changes to this supervisory instrument not fully searched."],["C_NL-P02-C015","A readable official 26 October 2026 consolidated Wck body was not obtained. The source-backed reconstruction establishes the enumerated enacted amendments but cannot certify the whole text, full intervening chain or absence of undiscovered changes.","Failed S022; reconstructed material S001–S014; limited cross-check S021/S024.","Methodological/access finding, not an affirmative claim about what every current provision says."],["C_NL-P02-C016","The bounded official review established one expired 48(1)(d) AMvB and later draft proposals, but did not establish a presently operative 48(1)(d) designation or activated certificate requirement.","S001 art. 48(1)(d)/(2); S004–S005 certificate power; S015–S020 historical designation/proposal record; access hold S022.","An evidence-bound unresolved result, not proof that no other operative instrument or lawful capacity exists."]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Original claim and supplied proposition","Disposition and exact bounded correction","New claims and sources","Retained hold"],["P01-C001 — Article 47 prohibition/definition and qualifying natural-person credit debt","Strengthen limitation; supplement the linked definition. Keep article 47's element-by-element test. Replace reliance on unmodified 1990 article 1(a) with the 1991 movable-property amendment and 2011 removal of the three-month condition, explicitly subject to art. VI legacy agreements.","C_NL-P02-C001–C005, C015; S001–S003, S008, S022","Complete 2026 consolidation, pre-2011 agreement application, particular debts, nexus."],["P01-C002 — Article 48 exceptions, fee-rule delegation and partial contractual invalidity","Material additive correction. Article 48(2) also contains the 2007-inserted power for an AMvB certificate requirement. Do not describe a compulsory current certificate without an active decree. Preserve the limited reading of 48(3).","C_NL-P02-C006–C007, C016; S001, S004–S005, S015–S020","Currently operative designation/certificate AMvB, fee application, indirect remuneration."],["P01-C003 — Municipal-contractor wording in force from 2019","Retain the supplied conclusion. Independently reconfirm the precise statutory substitution and 1 January 2019 commencement.","C_NL-P02-C009, C015; S013–S014","Actual opdracht and voor rekening documents, contract interpretation, full subsequent amendments."],["P01-C008 — 2017 repeal/retention and historical articles 2–4 trap","Retain and expand the definition-version warning. Correctly excludes historical arts. 2–4; add the 1991 and 2011 changes to retained article 1(a), particularly the express legacy-agreement transition.","C_NL-P02-C001–C004, C010, C015; S001–S003, S008, S011–S012","Exhaustive definition amendment chain and historical contract application."],["P01-C012 — Named professional and appointed-role exceptions","Strengthen chronological/name precision. Confirm procureurs deletion effective 1 September 2008, and Book 1 appointed-role expansion effective 1 April 2014. The P01 description of qualifying categories remains substantially intact.","C_NL-P02-C008, C015; S001, S006–S007, S009–S010","Individual admission/appointment, work personally undertaken versus staff delegation, later professional-law changes."],["P01-C044 — No blanket paid-private commercial licence proved","Retain as a bounded negative, with a stronger express hold. Statute contains AMvB designation and certificate-rule powers; the examined historical designation is expired, and current implementing instruments have not been certified. Do not recast this as proof that no lawful route exists.","C_NL-P02-C007, C011–C016; S004–S005, S015–S023","Complete current implementing regulations and legislative history; no provider-specific determination."]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Original P01 authority","Original material retained","New reconciliation source"],["P01-S001, Staatsblad 1990, 395","The authentic historical base text; not replaced as a historical record","P02-S001, supplemented by P02-S002, S004, S006, S008 for changes missing from a 1990-only reading"],["P01-S002, Staatsblad 2016, 360","Art. V retained definitions/repealed chapters","P02-S011"],["P01-S003, Staatsblad 2016, 438","Commencement 1 Jan 2017","P02-S012"],["P01-S004, Staatsblad 2013, 414","Professional BW Book 1 amendment","P02-S009, paired explicitly with P02-S010 commencement"],["P01-S005, Staatsblad 2018, 424","Municipal-contractor amendment","P02-S013"],["P01-S006, Staatsblad 2018, 425","Municipal amendment commencement","P02-S014"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID","Exact subissue","Status","Finding / exact new claim IDs","Missing evidence and next focused action"],["K001","Official Wck consolidation as of 26 Oct 2026","unresolved","§1 currentness; C_NL-P02-C015","Official body inaccessible. Obtain the government amendment-information table and 2026 consolidated arts. 1(a)/(n), 47, 48."],["K002","Article 1(a)(1°), money-advance branch","partial","§1.1; C_NL-P02-C001, C005, C015","Original branch read; complete subsequent wording not certified. Reconcile all article 1(a) amendments from official history."],["K003","Article 1(a)(2°)–(3°), movable-property adjective","answered","§1.1; C_NL-P02-C002","1991 change/date proved. Separately certify subsequent version history before using a complete present-text quotation."],["K004","Historical three-month credit-definition condition","answered","§1.1; C_NL-P02-C001","Deletion and commencement proved. Must not extrapolate to every earlier agreement."],["K005","Pre-commencement credit agreements","partial","§1.1; C_NL-P02-C003","Statutory transition read. Next: separately analyze the applicable agreement date and the cross-time article 47 interpretation; no individual contract reviewed."],["K006","Services designated for Wck 1(a)(2°)/(3°)","partial","§1.1; C_NL-P02-C004","Original 1991 AMvB read; retrieve 2026 consolidation and all modifications/commencement."],["K007","Retained article 1(n), gemeentelijke kredietbank","partial","§1.5; C_NL-P02-C010, C015","Original definition and 2017 retention established; check later changes to its wording."],["K008","Article 47(1) prohibition","partial","§1.2; C_NL-P02-C005, C014–C015","Original text and 2026 supervisory continuity read; verify complete amended text."],["K009","Article 47(2) professional activity/natural-person/credit-derived elements","partial","§1.2; C_NL-P02-C001–C005, C015","Linked definition corrected; current complete body and judicial application held."],["K010","Article 48(1)(a), om niet","partial","§1.3; C_NL-P02-C006, C015","Original exception read. Indirect benefit, third-party payment and mixed-fee interpretation explicitly held."],["K011","Article 48(1)(b), municipal contractor","answered","§1.3; C_NL-P02-C009","Exact 2019 amendment proved. Municipal instructions, expense account and individual contractor documents not examined."],["K012","Article 48(1)(c), professions/appointments","answered","§1.3; C_NL-P02-C008","Exact 2008 and 2014 word changes proved. Professional admission, appointments and delegation remain separate."],["K013","Article 48(1)(d), operative designated classes","unresolved","§3.4; C_NL-P02-C016","Locate and read every presently operative linked AMvB, if any, with commencement and expiry."],["K014","Article 48(2), certificate-enabling language","answered","§1.4; C_NL-P02-C007","Statutory authority verified. Separate implementing requirement unresolved."],["K015","Article 48(2), fee-rule delegation","partial","§1.4; C_NL-P02-C006–C007, C016","Historical delegation understood; operative conditions not verified. Consumer fee amounts/timing/caps remain excluded."],["K016","Article 48(3), contractual departures","partial","§1.4; C_NL-P02-C006, C015","Historical conditional rule read. No current implementing rule or particular contract examined."],["K017","Historical Wck arts. 2–4 after 2017 repeal","answered","§1.5; C_NL-P02-C010","Repeal established. Other statutes' exclusions require separate research; old Wck provisions must not be revived by implication."]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID","Exact subissue","Status","Finding / exact new claim IDs","Missing evidence and next focused action"],["K018","1991 movable-property amendment and start","answered","§2; C_NL-P02-C002","Art. I(A) and VII read. No further action for these enactment facts."],["K019","2007 certificate-power amendment and start","answered","§2; C_NL-P02-C007","Art. ID and separate 2008 commencement read. Implementing decree is K031."],["K020","2008 procureurs deletion and start","answered","§2; C_NL-P02-C008","Art. XLVI and 1 Sep 2008 decree read."],["K021","2011 three-month deletion, issue date, transition and start","answered","§2; C_NL-P02-C001, C003","Relevant enacted clauses checked. Case-level interpretation still held separately at K005."],["K022","2013 professional wording and actual commencement","answered","§2; C_NL-P02-C008","2013 art. III and 2014 commencement read."],["K023","2016 retained definitions/chapter repeal and start","answered","§2; C_NL-P02-C010","Act and commencement read. Does not certify every retained-definition change."],["K024","2018 municipal substitution and 2019 start","answered","§2; C_NL-P02-C009","Act plus exceptions in commencement decree read."],["K025","Exhaustive post-1990/post-2019 amendment chain","unresolved","§1 currentness; C_NL-P02-C015","Retrieve full official Wck amendment index, amending articles, corrections, commencement orders and consolidations through the access date."],["K026","2026 proposed Wet schuldregelen repeal/reform","answered","§3.3; C_NL-P02-C013","Current proposal status, draft repeal and future-start mechanism verified. Monitor future enactment/commencement separately."],["K027","2026 consumer-credit implementation bill 36.924","answered","§3.3; C_NL-P02-C013","Official pending parliamentary status verified. Any later enacted text and commencement require a new check."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Coverage ID","Exact subissue","Status","Finding / exact new claim IDs","Missing evidence and next focused action"],["K028","1998 temporary designation and expiry","answered","§3.1; C_NL-P02-C011","Enacted articles, commencement trigger and self-expiry read. No basis to apply former fee rules in 2026."],["K029","2013 consultation, 2014 draft, 2016 deferral","answered","§3.2; C_NL-P02-C012","Historical proposal status proved. This does not answer whether another later instrument exists."],["K030","Present operative 48(1)(d) designation","unresolved","§3.4; C_NL-P02-C016","Obtain official linked subordinate instruments as of Oct 2026 and confirm every operative designation provision."],["K031","Present certificate requirement, category or certification authority","unresolved","§3.4; C_NL-P02-C007, C016","Locate implementing AMvB, if any; read its conditions, scope, start, amendments and expiry before asserting a requirement."]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[]],"rows":[["Coverage ID","Exact subissue","Status","Finding / exact new claim IDs","Missing evidence and next focused action"],["K032","Six identified P01 claim replacements/limitations","answered","§6; C_NL-P02-C001–C016, individually mapped to P01-C001/C002/C003/C008/C012/C044","This is researcher reconciliation, not coordinator acceptance. Do not alter the remaining 42 claim records."],["K033","Application issues outside current-text reconciliation","excluded_with_reason","§§1–3; C_NL-P02-C015–C016 establish the source/instrument holds, not application conclusions","Indirect remuneration, staff delegation, actual contractor contracts, cross-border nexus, creditor response, debtor funds, fees/remedies and judicial interpretation belong to other scoped work."]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Original targeted row","Status","Exact claim supported now","Missing evidence and exact disposition action"],["A01","unresolved","C_NL-P02-C015 establishes the cross-cutting currentness hold","Read saved A01 body; identify its exact assertion and append only matching C001–C016 correction."],["A02","unresolved","C_NL-P02-C015","Read saved A02 body; check whether it repeats original article 1(a) wording or timing; map the specific amendment if present."],["A03","unresolved","C_NL-P02-C015","Read saved A03 body; test whether municipal or exception wording is asserted; preserve unchanged material."],["A07","unresolved","C_NL-P02-C015","Read saved A07 body; test the article 48 enabling and implementing-instrument distinction if implicated."],["A08","unresolved","C_NL-P02-C015","Read saved A08 body; check retained definitions and historical exclusions only if that is its actual subject."],["A10","unresolved","C_NL-P02-C015","Read saved A10 body; determine precise actor/exception statement before making any replacement."],["A18","unresolved","C_NL-P02-C015","Read saved A18 body; test professional wording and dates only if contained there."],["A35","unresolved","C_NL-P02-C015","Read saved A35 body; distinguish a negative registration/licence conclusion from an unverified designation or certificate instrument."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Source system / search boundary","Actually attempted","Result and significance"],["wetten.overheid.nl, BWBR0004815 date-specific consolidation","Direct current-version retrieval","Failed to return a readable operative body. Did not repeatedly retry the inaccessible endpoint. S022."],["zoek.officielebekendmakingen.nl, original Wck","Original Staatsblad 1990, 395 PDF","Opened article 1 and articles 47–48. Historical baseline only. S001."],["zoek.officielebekendmakingen.nl, named Wck amendments and commencement instruments","1991, 2007, 2008, 2011, 2013/14, 2016/17 and 2018/19 instruments","Opened actual relevant enacted bodies and commencement provisions. S002, S004–S014."],["Official enacted AMvB search for artikel 48, eerste lid, onder d, schuldbemiddelaars, vrijstelling and certificaat","Official search plus opened 1998 decree","Expired operative historical designation established. Present designation not positively identified. S015."],["Official 2013–16 later-Vrijstellingsbesluit trail","Consultation, actual draft PDF and government communication","Proposal and deferral established, not a commenced decree. S016–S018."],["Linked article 1(a) service-definition instrument","1991 Besluit aanwijzing diensten","Original designation opened. This was not mistaken for an article 48(1)(d) designation. S003."],["2026 Dutch legislative monitoring","Government legislative calendar, public draft, Senate parliamentary status","Current identified proposal status separated from operative text. S019–S020, S023–S024."],["Recent regulatory continuity","2025 designation of supervisory officials, effective 2026","Relevant current-date corroboration but not a consolidation. S021."],["Unofficial republishers/search-engine snippets","Discovery only","Not used to certify the Wck or an exemption. No private provider/person searches."]]}],"claims":[{"claim_id":"C_NL-P02-C001","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C001","Exact proposition, actors, conditions and consequence":"For credit agreements to which the 2011 Wck amendment applies, article 1(a) no longer imposes the historical condition that at least one payment occur more than three months after provision of money, property use or a designated service begins. This affects which transactions may constitute the credit-derived component of natural-person schuldbemiddeling.","Supporting source and pinpoint":"S001 art. 1(a), PDF indices 0–1; S008 art. II(A)(1), VII.","Remaining evidence limit":"Does not decide old agreements, exact debts, or other exclusions; complete 2026 consolidation not certified."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C002","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C002","Exact proposition, actors, conditions and consequence":"In article 1(a)(2°)–(3°), the 1991 enacted amendment removed lichamelijke from roerende lichamelijke zaak with effect from 1 January 1992. The original 1990 adjective is not correct for the law after this amendment.","Supporting source and pinpoint":"S001 art. 1(a); S002 art. I(A), VII, PDF indices 0 and 7.","Remaining evidence limit":"Subsequent full definition chain remains held; particular property characterization not decided."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C003","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C003","Exact proposition, actors, conditions and consequence":"The 2011 amendment's article VI states that its articles II and III do not apply to credit agreements entered into before those provisions commenced; because S008 was issued 24 May 2011, the relevant commencement under art. VII is 25 May 2011.","Supporting source and pinpoint":"S008 arts. VI–VII and issuance statement.","Remaining evidence limit":"Does not resolve every historical-debt/application conflict or judicial interpretation of article 47's reference to qualifying transactions."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"24May2011 issuance +1calendar day independently recomputed25May2011; VI legacy-agreement qualification retained; no retroactive eligibility conclusion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C004","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C004","Exact proposition, actors, conditions and consequence":"The 1991 Besluit aanwijzing diensten designated travel-agreement transport/accommodation services for Wck 1(a)(2°)/(3°). This is a definition-linked services designation, not an exemption designating private debt mediators under 48(1)(d).","Supporting source and pinpoint":"S001 art. 1(a)(2°)–(3°); S003 arts. 1–3, PDF index 0.","Remaining evidence limit":"Present consolidated status and later changes to this services instrument not fully proved."},"raw_table_index":6,"coordinator_verification_status":"traceability_and_explicit_unresolved_or_reported_status_preserved","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C005","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C005","Exact proposition, actors, conditions and consequence":"The original Wck art. 47(1) prohibits schuldbemiddeling. Its art. 47(2) defines a professional/business service directed toward arrangements for a natural person's existing debt burden arising wholly or partly from one or more credit transactions, other than concluding a new credit transaction. Each statutory element remains necessary for classification.","Supporting source and pinpoint":"S001 art. 47(1)–(2), PDF index 16; S024 2026 government description of Wck 47–48 is corroborative only.","Remaining evidence limit":"The complete 2026 amended text and individual scope/application are not certified."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C006","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C006","Exact proposition, actors, conditions and consequence":"The enacted 1990 art. 48(1) contains distinct om niet, municipal, professional and AMvB-designated exceptions. Under original art. 48(3), a contractual departure from rules under 48(2) is void to the extent of the conflict. It does not state that a creditor's underlying claim is extinguished or a judgment annulled.","Supporting source and pinpoint":"S001 art. 48(1)(a)–(d), (2)–(3), PDF index 16.","Remaining evidence limit":"Later amendment and operative-decree requirements must be superimposed; current compensation interpretation held."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C007","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C007","Exact proposition, actors, conditions and consequence":"The 2007 amendment enacted authority for an AMvB to impose a certificaat requirement relating to mediation under Wck 48(1), effective 1 January 2008. Enacting authority to impose a requirement is not the same as imposing it.","Supporting source and pinpoint":"S004 art. ID; S005 sole article; original structure S001 art. 48(2).","Remaining evidence limit":"No current implementing certificate decree, affected class or operational registration mechanism established."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C008","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C008","Exact proposition, actors, conditions and consequence":"Wck 48(1)(c)'s separate procureurs category was deleted effective 1 September 2008. Its appointed curatoren/bewindvoerders wording was then expanded to the specified BW 1:383(7) and 1:435(7) categories effective 1 April 2014.","Supporting source and pinpoint":"S001 art. 48(1)(c); S006 art. XLVI; S007 sole article; S009 art. III; S010 sole article.","Remaining evidence limit":"Professional registration, court appointment, personally performed services, staffing/delegation and current qualification detail remain outside this textual finding."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C009","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C009","Exact proposition, actors, conditions and consequence":"Since 1 January 2019, enacted Wck 48(1)(b) wording recognizes institutions performing mediation in opdracht en voor rekening van gemeenten, replacing the former municipally held-institution wording.","Supporting source and pinpoint":"S001 historical 48(1)(b); S013 art. XXVIA; S014 art. II(1) checked against exclusions.","Remaining evidence limit":"Whether any actual arrangement satisfies both instruction and municipal-account conditions remains untested; no municipal contractor searched."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C010","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C010","Exact proposition, actors, conditions and consequence":"Effective 1 January 2017, Wck chapters I, IV and X were repealed except the article 1 opening and subparagraphs (a) and (n). Historical Wck articles 2–4 therefore cannot be used as current gateway exemptions.","Supporting source and pinpoint":"S011 art. V; S012 sole article; S001 historical 1(a), 1(n), 2–4.","Remaining evidence limit":"Not a complete amendment search for the retained definition or later articles 47–48."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C011","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C011","Exact proposition, actors, conditions and consequence":"The temporary 1998 art. 48(1)(d) decree designated qualifying registered mediators during its limited life but expressly expired two years after commencing on 24 July 1998. Its scheme cannot authorize conduct in 2026.","Supporting source and pinpoint":"S015 arts. 2–4, issue-date statement.","Remaining evidence limit":"Does not establish whether some entirely different later designation exists."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C012","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C012","Exact proposition, actors, conditions and consequence":"A 2013 consultation and unsigned 2014 draft proposed a later Vrijstellingsbesluit, and a 2016 government statement deferred further processing. None of those bodies, as read, establishes an enacted and commenced later exemption.","Supporting source and pinpoint":"S016 status/dates; S017 draft arts. 1–6 and blank formalities; S018 Tot slot paragraphs.","Remaining evidence limit":"Subsequent legislative/instrument history after 2016 not fully certified; no nonexistence inference."},"raw_table_index":6,"coordinator_verification_status":"traceability_and_explicit_unresolved_or_reported_status_preserved","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C013","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C013","Exact proposition, actors, conditions and consequence":"The 2026 Wetsvoorstel schuldregelen project and consultation draft propose Wck repeal/replacement but are not operative enactments in the bodies examined. Separately, bill 36.924 had passed the Tweede Kamer but remained in Eerste Kamer proceedings at this check.","Supporting source and pinpoint":"S019 project stage; S020 draft arts. 29–30; S023 Stand van zaken.","Remaining evidence limit":"Later legislative developments and future commencement are open; proposed terms are not 2026 Wck text."},"raw_table_index":6,"coordinator_verification_status":"traceability_and_explicit_unresolved_or_reported_status_preserved","coordinator_review":"Current proposal/search/negative status remains bounded. No absolute no-law, no-designation or no-amendment finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C014","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C014","Exact proposition, actors, conditions and consequence":"A ministerial regulation appointed designated DFEI officials to supervise Wck arts. 47–48 effective 1 January 2026, providing recent official evidence of regulatory continuity.","Supporting source and pinpoint":"S021 arts. 1–2 and explanation.","Remaining evidence limit":"The regulation is not a current Wck consolidation and does not establish a certificate or 48(1)(d) designation. Subsequent changes to this supervisory instrument not fully searched."},"raw_table_index":6,"coordinator_verification_status":"selected_enactment_or_precisely_dated_reuse_supported_full_currentness_held","coordinator_review":"Fresh/source-reuse scope recorded separately. Selected enacted change is not an exhaustive current consolidation, implementing decree or fact-specific permission.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C015","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C015","Exact proposition, actors, conditions and consequence":"A readable official 26 October 2026 consolidated Wck body was not obtained. The source-backed reconstruction establishes the enumerated enacted amendments but cannot certify the whole text, full intervening chain or absence of undiscovered changes.","Supporting source and pinpoint":"Failed S022; reconstructed material S001–S014; limited cross-check S021/S024.","Remaining evidence limit":"Methodological/access finding, not an affirmative claim about what every current provision says."},"raw_table_index":6,"coordinator_verification_status":"traceability_and_explicit_unresolved_or_reported_status_preserved","coordinator_review":"Current proposal/search/negative status remains bounded. No absolute no-law, no-designation or no-amendment finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"},{"claim_id":"C_NL-P02-C016","area_numbers":[97,98],"area_assignment_method":"focused_pass_scope","researcher_record":{"New atomic claim":"C_NL-P02-C016","Exact proposition, actors, conditions and consequence":"The bounded official review established one expired 48(1)(d) AMvB and later draft proposals, but did not establish a presently operative 48(1)(d) designation or activated certificate requirement.","Supporting source and pinpoint":"S001 art. 48(1)(d)/(2); S004–S005 certificate power; S015–S020 historical designation/proposal record; access hold S022.","Remaining evidence limit":"An evidence-bound unresolved result, not proof that no other operative instrument or lawful capacity exists."},"raw_table_index":6,"coordinator_verification_status":"traceability_and_explicit_unresolved_or_reported_status_preserved","coordinator_review":"Current proposal/search/negative status remains bounded. No absolute no-law, no-designation or no-amendment finding.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00"}],"sources":[{"source_id":"C_NL-P02-S001","urls":["https://zoek.officielebekendmakingen.nl/stb-1990-395.pdf"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S001 — Kroon/legislature, Wet op het consumentenkrediet, Staatsblad 1990, 395. https://zoek.officielebekendmakingen.nl/stb-1990-395.pdf","Actual body read and exact pinpoint":"Art. 1 opening/(a), PDF indices 0–1, printed Staatsblad pp. 1–2; art. 1(n), index 1 / p. 2; arts. 47(1)–(2), 48(1)(a)–(d), (2)–(3), index 16 / p. 17.","Version, status, actor/scope and limits":"Original enacted Dutch text. Historical, not consolidated 2026 law. Credit-transaction definition, natural-person debt mediation and exceptions. Pre-July-2009 electronic facsimile; printed original not physically inspected. \nzoek.officielebekendmakingen.nl\n+1"},"raw_table_index":4,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original47/48 and retained-definition body selected in same-coordinator P01 review23:38:49Z, [internal evidence reference]; no new full-current-law read.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S002","urls":["https://zoek.officielebekendmakingen.nl/stb-1991-630.pdf"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S002 — Kroon/legislature, Wck/BW adaptation, Staatsblad 1991, 630. https://zoek.officielebekendmakingen.nl/stb-1991-630.pdf","Actual body read and exact pinpoint":"Art. I(A), PDF index 0 / printed p. 1; art. VII, index 7 / printed p. 8.","Version, status, actor/scope and limits":"Enacted amendment; relevant alteration effective 1 Jan 1992. Read limited to the selected Wck definition alteration and commencement; other provisions not audited. \nzoek.officielebekendmakingen.nl\n+1"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"I(A) deletion and VII commencement; PDF indices0/7, printed1/8.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S003","urls":["https://zoek.officielebekendmakingen.nl/stb-1991-515.pdf"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S003 — Kroon, Besluit aanwijzing diensten Wet op het consumentenkrediet, Staatsblad 1991, 515. https://zoek.officielebekendmakingen.nl/stb-1991-515.pdf","Actual body read and exact pinpoint":"Arts. 1–3, PDF index 0 / printed p. 1; explanatory service-scope passage index 2 / printed p. 3.","Version, status, actor/scope and limits":"Original enacted AMvB identifying a category of services under Wck 1(a)(2°)/(3°), not persons designated under 48(1)(d). Effective upon Wck commencement under art. 2. Later amendment/repeal history and 2026 consolidated status not fully certified. \nzoek.officielebekendmakingen.nl"},"raw_table_index":4,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S004","urls":["https://zoek.officielebekendmakingen.nl/stb-2007-192.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S004 — Kroon/legislature, Wsnp-revision amendment, Staatsblad 2007, 192. https://zoek.officielebekendmakingen.nl/stb-2007-192.html","Actual body read and exact pinpoint":"Art. ID, insertion into Wck 48(2). HTML; printed page not separately inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted express certificate-rule delegation, effective only upon S005 commencement. Does not itself establish an operational certificate system. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"ArticleID certificate-enabling insertion only.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S005","urls":["https://zoek.officielebekendmakingen.nl/stb-2007-222.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S005 — Kroon, commencement decree, Staatsblad 2007, 222. https://zoek.officielebekendmakingen.nl/stb-2007-222.html","Actual body read and exact pinpoint":"Enig artikel. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted commencement instrument: 1 Jan 2008 for S004. Read to relevant commencement. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Sole commencement article:1Jan2008.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S006","urls":["https://zoek.officielebekendmakingen.nl/stb-2008-100.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S006 — Kroon/legislature, Wet afschaffing procuraat en invoering elektronisch berichtenverkeer, Staatsblad 2008, 100. https://zoek.officielebekendmakingen.nl/stb-2008-100.html","Actual body read and exact pinpoint":"Art. XLVI removing procureurs from Wck 48(1)(c); art. LX requiring separate commencement. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted amendment, operative through S007. Other procedural-law provisions not studied. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"ArticleXLVI deletion of procureurs and LX separate-commencement requirement.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S007","urls":["https://zoek.officielebekendmakingen.nl/stb-2008-274.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S007 — Kroon, commencement, Staatsblad 2008, 274. https://zoek.officielebekendmakingen.nl/stb-2008-274.html","Actual body read and exact pinpoint":"Enig artikel. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Commenced S006 on 1 Sep 2008. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Sole commencement article:1Sep2008.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S008","urls":["https://zoek.officielebekendmakingen.nl/stb-2011-246.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S008 — Kroon/legislature, consumer-credit-directive implementation, Staatsblad 2011, 246. https://zoek.officielebekendmakingen.nl/stb-2011-246.html","Actual body read and exact pinpoint":"Art. II(A)(1) deleting Wck 1(a) timing phrase; arts. VI–VII transition/commencement; issue-date statement following art. VII. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted. Issued 24 May 2011; applicable amendment effective 25 May 2011 under conditional art. VII. Art. VI preserves a distinction for earlier credit agreements. Old amendments to Wck art. 2 are not treated as current after 2017. \nOverheid.nl > Officiële bekendmakingen\n+1"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"II(A)(1) deletion, VI earlier-agreement transition, VII conditional start and24May2011 issuance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S009","urls":["https://zoek.officielebekendmakingen.nl/stb-2013-414.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S009 — Kroon/legislature, Wet wijziging curatele, beschermingsbewind en mentorschap, Staatsblad 2013, 414. https://zoek.officielebekendmakingen.nl/stb-2013-414.html","Actual body read and exact pinpoint":"Art. III substitution within Wck 48(1)(c); arts. V–VI separate transition/commencement framework. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted expansion to the specified BW Book 1 appointed categories. Specific commencement from S010. Detailed professional qualification and individual appointment facts not determined. \nOverheid.nl > Officiële bekendmakingen\n+1"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"III wording substitution and V/VI transition/separate-start context.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S010","urls":["https://zoek.officielebekendmakingen.nl/stb-2014-85.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S010 — Kroon, commencement, Staatsblad 2014, 85. https://zoek.officielebekendmakingen.nl/stb-2014-85.html","Actual body read and exact pinpoint":"Enig artikel, expressly including S009 art. III. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Relevant effective date 1 Apr 2014. Accompanying explanation discusses quality requirements and transitional appointments; this pass does not certify individual qualifications. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Sole article expressly includes III with1Apr2014 start.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S011","urls":["https://zoek.officielebekendmakingen.nl/stb-2016-360.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S011 — Kroon/legislature, consumer-credit/goederenkrediet BW reform, Staatsblad 2016, 360. https://zoek.officielebekendmakingen.nl/stb-2016-360.html","Actual body read and exact pinpoint":"Art. V, Wck chapter repeal and expressly retained 1 opening/(a)/(n). HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted repeal; commencement separately S012. Repealed Wck chapters cannot supply current exclusions. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"ArticleV selected in same dated P01primary01 packet; source identity identical, no need to refetch.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S012","urls":["https://zoek.officielebekendmakingen.nl/stb-2016-438.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S012 — Kroon, commencement, Staatsblad 2016, 438. https://zoek.officielebekendmakingen.nl/stb-2016-438.html","Actual body read and exact pinpoint":"Enig artikel. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Commenced S011 on 1 Jan 2017. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Sole commencement in same dated P01primary01 packet; no later-chain certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S013","urls":["https://zoek.officielebekendmakingen.nl/stb-2018-424.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S013 — Kroon/legislature, Verzamelwet SZW 2019, Staatsblad 2018, 424. https://zoek.officielebekendmakingen.nl/stb-2018-424.html","Actual body read and exact pinpoint":"Art. XXVIA, Wck 48(1)(b) old/new substitution. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted change to municipal-contractor words. Specific effective date depends on S014. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"XXVIA substitution from same-coordinator P01primary02 packet23:38:49Z; actual contracts held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S014","urls":["https://zoek.officielebekendmakingen.nl/stb-2018-425.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S014 — Kroon, commencement, Staatsblad 2018, 425. https://zoek.officielebekendmakingen.nl/stb-2018-425.html","Actual body read and exact pinpoint":"Art. II(1) with exclusions checked against II(2)–(3). HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Art. XXVIA is not excluded; effective 1 Jan 2019. Published 22 Nov 2018, a distinct date. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":4,"coordinator_verification_status":"precisely_dated_same_coordinator_selected_body_reuse","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"II exclusions/commencement from same dated P01primary02 packet; later changes held.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S015","urls":["https://zoek.officielebekendmakingen.nl/stb-1998-454.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S015 — Kroon, Tijdelijk vrijstellingsbesluit schuldbemiddelaars, Staatsblad 1998, 454. https://zoek.officielebekendmakingen.nl/stb-1998-454.html","Actual body read and exact pinpoint":"Arts. 1–5, especially 2 (designated categories) and 4 (commencement/sunset); selected Nota van toelichting, introductory paragraphs. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted historical art. 48(1)(d) designation. Issued 23 Jul 1998; commenced next day; sunset after two years. Its former registration/fee provisions are expired, not modern requirements. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":5,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Arts2/4 historical designation, conditional commencement and two-year sunset; no present designation proved.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S016","urls":["https://www.internetconsultatie.nl/vrijstellingsbesluit_schuldbemiddelaars/details"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S016 — Dutch government internet consultation, Concept-Vrijstellingsbesluit schuldbemiddelaars. https://www.internetconsultatie.nl/vrijstellingsbesluit_schuldbemiddelaars/details","Actual body read and exact pinpoint":"Consultation title, description, dates and status fields. HTML; printed page/PDF index N/A.","Version, status, actor/scope and limits":"Consultation 11 Jul–28 Aug 2013, closed. Discovery of a proposal, not an enacted rule. \ninternetconsultatie.nl"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S017","urls":["https://www.eerstekamer.nl/overig/20140704/besluit_van_houdende_vrijstelling/document"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S017 — Government draft presented through Eerste Kamer, Besluit … houdende vrijstelling. https://www.eerstekamer.nl/overig/20140704/besluit_van_houdende_vrijstelling/document","Actual body read and exact pinpoint":"Draft arts. 1–6, PDF indices 0–2, printed pagination not independently certified; blank decree formalities and projected commencement inspected.","Version, status, actor/scope and limits":"17-page proposal, not a promulgated Staatsblad instrument. Draft fees, professional conditions and proposed start are nonoperative. Only identity/version/proposal status used. \neerstekamer.nl"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S018","urls":["https://zoek.officielebekendmakingen.nl/kst-34509-1.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S018 — Dutch government communication to Tweede Kamer, Kamerstuk 34 509, nr. 1. https://zoek.officielebekendmakingen.nl/kst-34509-1.html","Actual body read and exact pinpoint":"Section Tot slot, paragraphs discussing Vrijstellingsbesluit schuldbemiddelaars and deferral. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Official 2016 policy statement, not legislation or certification of 2026 decree status. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S019","urls":["https://wetgevingskalender.overheid.nl/Regeling/WGK012536"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S019 — Overheid.nl legislative calendar, Wetsvoorstel schuldregelen, WGK012536. https://wetgevingskalender.overheid.nl/Regeling/WGK012536","Actual body read and exact pinpoint":"Project summary, Voortgang, Mijlpalen en documenten; 2026 consultation dates. HTML; printed page/PDF index N/A.","Version, status, actor/scope and limits":"Official live project listing accessed this pass; preparation-stage proposal, not Wck repeal. Future updates possible. \nWetgevingskalender"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S020","urls":["https://www.internetconsultatie.nl/wetschuldregelen/document/15794"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S020 — Government internet consultation, draft Wet schuldregelen. https://www.internetconsultatie.nl/wetschuldregelen/document/15794","Actual body read and exact pinpoint":"Draft arts. 1–2, PDF indices 0–1; draft arts. 29–30, indices 6–7; separate printed pagination not independently established.","Version, status, actor/scope and limits":"Eight-page consultation draft, not enacted. Proposed repeal and future commencement are not operative. \nConcept Regeling\n+1"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S021","urls":["https://zoek.officielebekendmakingen.nl/stcrt-2025-40669.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S021 — Staatssecretaris SZW, Regeling aanwijzing toezichthouder Wet op het consumentenkrediet, Staatscourant 2025, 40669. https://zoek.officielebekendmakingen.nl/stcrt-2025-40669.html","Actual body read and exact pinpoint":"Arts. 1–3 and explanatory paragraphs concerning transfer to DFEI. HTML; printed page not inspected; PDF index N/A.","Version, status, actor/scope and limits":"Enacted ministerial supervisory designation, commenced 1 Jan 2026. Strong indication of ongoing regulatory treatment of arts. 47–48 at that date, not full current-text certification or proof of an art. 48(1)(d) decree. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":5,"coordinator_verification_status":"fresh_selected_primary_body_checked_with_limits","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Arts1-3 selected supervisory designation and1Jan2026 start; not current Wck certification.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S022","urls":["https://wetten.overheid.nl/BWBR0004815/2026-10-26"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S022 — Official wetten.overheid.nl, requested date-specific Wck consolidation. https://wetten.overheid.nl/BWBR0004815/2026-10-26","Actual body read and exact pinpoint":"No substantive body obtained; retrieval returned an error. Printed page/PDF index N/A.","Version, status, actor/scope and limits":"Failed access — non-evidentiary. The date in the requested URL is not proof the text was read, published or certified. Official Staatsblad enactments were used as the alternative; complete amendment-index reconciliation remains outstanding."},"raw_table_index":5,"coordinator_verification_status":"failed_body_access_remains_non_evidentiary","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Researcher failure record preserved; coordinator did not repeat failed endpoint or certify absence of amendments.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S023","urls":["https://www.eerstekamer.nl/wetsvoorstel/36924_implementatiewet_herziene?df1=all&df2=kst"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S023 — Eerste Kamer, parliamentary dossier 36.924, Implementatiewet herziene richtlijn consumentenkrediet. https://www.eerstekamer.nl/wetsvoorstel/36924_implementatiewet_herziene?df1=all&df2=kst","Actual body read and exact pinpoint":"Stand van zaken, adopted Tweede Kamer vote 6 Oct 2026, Eerste Kamer scheduled committee step and proposed commencement. HTML; printed page/PDF index N/A.","Version, status, actor/scope and limits":"Official pending parliamentary status as accessed; not a commenced enacted amendment. Not evidence of any current article 48 designation. \nEerste Kamer der Staten-Generaal"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false},{"source_id":"C_NL-P02-S024","urls":["https://zoek.officielebekendmakingen.nl/kst-36924-3.html"],"researcher_record":{"Source; issuer; literal direct URL":"C_NL-P02-S024 — Tweede Kamer, explanatory memorandum, Kamerstuk 36 924, nr. 3. https://zoek.officielebekendmakingen.nl/kst-36924-3.html","Actual body read and exact pinpoint":"Explanatory section on schuldadviesdiensten, including its description of existing Wck 47–48 (body paragraphs around the discussion of credit banks and debt advice). HTML; printed page not separately inspected; PDF index N/A.","Version, status, actor/scope and limits":"2026 legislative explanation, secondary to enacted text for current-law purposes. Used only as a dated governmental cross-check; not an enacted substitution or a complete 2026 Wck consolidation. \nOverheid.nl > Officiële bekendmakingen"},"raw_table_index":5,"coordinator_verification_status":"researcher_traceability_only_not_freshly_recertified","id_normalization":"Exact explicit fully qualified raw source ID parsed from title cell; original cell unchanged.","coordinator_check_scope":"Original row, URL, subject and explicit access/proposal/currentness limits reconciled. Unopened body or current status not recertified.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-27T00:25:51.854379+00:00","independent_review":false}],"coverage":[{"topic":"K001 Official Wck consolidation as of 26 Oct 2026","researcher_record":{"Coverage ID":"K001","Exact subissue":"Official Wck consolidation as of 26 Oct 2026","Status":"unresolved","Finding / exact new claim IDs":"§1 currentness; C_NL-P02-C015","Missing evidence and next focused action":"Official body inaccessible. Obtain the government amendment-information table and 2026 consolidated arts. 1(a)/(n), 47, 48."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K002 Article 1(a)(1°), money-advance branch","researcher_record":{"Coverage ID":"K002","Exact subissue":"Article 1(a)(1°), money-advance branch","Status":"partial","Finding / exact new claim IDs":"§1.1; C_NL-P02-C001, C005, C015","Missing evidence and next focused action":"Original branch read; complete subsequent wording not certified. Reconcile all article 1(a) amendments from official history."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K003 Article 1(a)(2°)–(3°), movable-property adjective","researcher_record":{"Coverage ID":"K003","Exact subissue":"Article 1(a)(2°)–(3°), movable-property adjective","Status":"answered","Finding / exact new claim IDs":"§1.1; C_NL-P02-C002","Missing evidence and next focused action":"1991 change/date proved. Separately certify subsequent version history before using a complete present-text quotation."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K004 Historical three-month credit-definition condition","researcher_record":{"Coverage ID":"K004","Exact subissue":"Historical three-month credit-definition condition","Status":"answered","Finding / exact new claim IDs":"§1.1; C_NL-P02-C001","Missing evidence and next focused action":"Deletion and commencement proved. Must not extrapolate to every earlier agreement."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K005 Pre-commencement credit agreements","researcher_record":{"Coverage ID":"K005","Exact subissue":"Pre-commencement credit agreements","Status":"partial","Finding / exact new claim IDs":"§1.1; C_NL-P02-C003","Missing evidence and next focused action":"Statutory transition read. Next: separately analyze the applicable agreement date and the cross-time article 47 interpretation; no individual contract reviewed."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K006 Services designated for Wck 1(a)(2°)/(3°)","researcher_record":{"Coverage ID":"K006","Exact subissue":"Services designated for Wck 1(a)(2°)/(3°)","Status":"partial","Finding / exact new claim IDs":"§1.1; C_NL-P02-C004","Missing evidence and next focused action":"Original 1991 AMvB read; retrieve 2026 consolidation and all modifications/commencement."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K007 Retained article 1(n), gemeentelijke kredietbank","researcher_record":{"Coverage ID":"K007","Exact subissue":"Retained article 1(n), gemeentelijke kredietbank","Status":"partial","Finding / exact new claim IDs":"§1.5; C_NL-P02-C010, C015","Missing evidence and next focused action":"Original definition and 2017 retention established; check later changes to its wording."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K008 Article 47(1) prohibition","researcher_record":{"Coverage ID":"K008","Exact subissue":"Article 47(1) prohibition","Status":"partial","Finding / exact new claim IDs":"§1.2; C_NL-P02-C005, C014–C015","Missing evidence and next focused action":"Original text and 2026 supervisory continuity read; verify complete amended text."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K009 Article 47(2) professional activity/natural-person/credit-derived elements","researcher_record":{"Coverage ID":"K009","Exact subissue":"Article 47(2) professional activity/natural-person/credit-derived elements","Status":"partial","Finding / exact new claim IDs":"§1.2; C_NL-P02-C001–C005, C015","Missing evidence and next focused action":"Linked definition corrected; current complete body and judicial application held."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K010 Article 48(1)(a), om niet","researcher_record":{"Coverage ID":"K010","Exact subissue":"Article 48(1)(a), om niet","Status":"partial","Finding / exact new claim IDs":"§1.3; C_NL-P02-C006, C015","Missing evidence and next focused action":"Original exception read. Indirect benefit, third-party payment and mixed-fee interpretation explicitly held."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K011 Article 48(1)(b), municipal contractor","researcher_record":{"Coverage ID":"K011","Exact subissue":"Article 48(1)(b), municipal contractor","Status":"answered","Finding / exact new claim IDs":"§1.3; C_NL-P02-C009","Missing evidence and next focused action":"Exact 2019 amendment proved. Municipal instructions, expense account and individual contractor documents not examined."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K012 Article 48(1)(c), professions/appointments","researcher_record":{"Coverage ID":"K012","Exact subissue":"Article 48(1)(c), professions/appointments","Status":"answered","Finding / exact new claim IDs":"§1.3; C_NL-P02-C008","Missing evidence and next focused action":"Exact 2008 and 2014 word changes proved. Professional admission, appointments and delegation remain separate."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K013 Article 48(1)(d), operative designated classes","researcher_record":{"Coverage ID":"K013","Exact subissue":"Article 48(1)(d), operative designated classes","Status":"unresolved","Finding / exact new claim IDs":"§3.4; C_NL-P02-C016","Missing evidence and next focused action":"Locate and read every presently operative linked AMvB, if any, with commencement and expiry."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K014 Article 48(2), certificate-enabling language","researcher_record":{"Coverage ID":"K014","Exact subissue":"Article 48(2), certificate-enabling language","Status":"answered","Finding / exact new claim IDs":"§1.4; C_NL-P02-C007","Missing evidence and next focused action":"Statutory authority verified. Separate implementing requirement unresolved."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K015 Article 48(2), fee-rule delegation","researcher_record":{"Coverage ID":"K015","Exact subissue":"Article 48(2), fee-rule delegation","Status":"partial","Finding / exact new claim IDs":"§1.4; C_NL-P02-C006–C007, C016","Missing evidence and next focused action":"Historical delegation understood; operative conditions not verified. Consumer fee amounts/timing/caps remain excluded."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K016 Article 48(3), contractual departures","researcher_record":{"Coverage ID":"K016","Exact subissue":"Article 48(3), contractual departures","Status":"partial","Finding / exact new claim IDs":"§1.4; C_NL-P02-C006, C015","Missing evidence and next focused action":"Historical conditional rule read. No current implementing rule or particular contract examined."},"raw_table_index":9,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K017 Historical Wck arts. 2–4 after 2017 repeal","researcher_record":{"Coverage ID":"K017","Exact subissue":"Historical Wck arts. 2–4 after 2017 repeal","Status":"answered","Finding / exact new claim IDs":"§1.5; C_NL-P02-C010","Missing evidence and next focused action":"Repeal established. Other statutes' exclusions require separate research; old Wck provisions must not be revived by implication."},"raw_table_index":9,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K018 1991 movable-property amendment and start","researcher_record":{"Coverage ID":"K018","Exact subissue":"1991 movable-property amendment and start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C002","Missing evidence and next focused action":"Art. I(A) and VII read. No further action for these enactment facts."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K019 2007 certificate-power amendment and start","researcher_record":{"Coverage ID":"K019","Exact subissue":"2007 certificate-power amendment and start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C007","Missing evidence and next focused action":"Art. ID and separate 2008 commencement read. Implementing decree is K031."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K020 2008 procureurs deletion and start","researcher_record":{"Coverage ID":"K020","Exact subissue":"2008 procureurs deletion and start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C008","Missing evidence and next focused action":"Art. XLVI and 1 Sep 2008 decree read."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K021 2011 three-month deletion, issue date, transition and start","researcher_record":{"Coverage ID":"K021","Exact subissue":"2011 three-month deletion, issue date, transition and start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C001, C003","Missing evidence and next focused action":"Relevant enacted clauses checked. Case-level interpretation still held separately at K005."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K022 2013 professional wording and actual commencement","researcher_record":{"Coverage ID":"K022","Exact subissue":"2013 professional wording and actual commencement","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C008","Missing evidence and next focused action":"2013 art. III and 2014 commencement read."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K023 2016 retained definitions/chapter repeal and start","researcher_record":{"Coverage ID":"K023","Exact subissue":"2016 retained definitions/chapter repeal and start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C010","Missing evidence and next focused action":"Act and commencement read. Does not certify every retained-definition change."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K024 2018 municipal substitution and 2019 start","researcher_record":{"Coverage ID":"K024","Exact subissue":"2018 municipal substitution and 2019 start","Status":"answered","Finding / exact new claim IDs":"§2; C_NL-P02-C009","Missing evidence and next focused action":"Act plus exceptions in commencement decree read."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K025 Exhaustive post-1990/post-2019 amendment chain","researcher_record":{"Coverage ID":"K025","Exact subissue":"Exhaustive post-1990/post-2019 amendment chain","Status":"unresolved","Finding / exact new claim IDs":"§1 currentness; C_NL-P02-C015","Missing evidence and next focused action":"Retrieve full official Wck amendment index, amending articles, corrections, commencement orders and consolidations through the access date."},"raw_table_index":10,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K026 2026 proposed Wet schuldregelen repeal/reform","researcher_record":{"Coverage ID":"K026","Exact subissue":"2026 proposed Wet schuldregelen repeal/reform","Status":"answered","Finding / exact new claim IDs":"§3.3; C_NL-P02-C013","Missing evidence and next focused action":"Current proposal status, draft repeal and future-start mechanism verified. Monitor future enactment/commencement separately."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K027 2026 consumer-credit implementation bill 36.924","researcher_record":{"Coverage ID":"K027","Exact subissue":"2026 consumer-credit implementation bill 36.924","Status":"answered","Finding / exact new claim IDs":"§3.3; C_NL-P02-C013","Missing evidence and next focused action":"Official pending parliamentary status verified. Any later enacted text and commencement require a new check."},"raw_table_index":10,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K028 1998 temporary designation and expiry","researcher_record":{"Coverage ID":"K028","Exact subissue":"1998 temporary designation and expiry","Status":"answered","Finding / exact new claim IDs":"§3.1; C_NL-P02-C011","Missing evidence and next focused action":"Enacted articles, commencement trigger and self-expiry read. No basis to apply former fee rules in 2026."},"raw_table_index":11,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K029 2013 consultation, 2014 draft, 2016 deferral","researcher_record":{"Coverage ID":"K029","Exact subissue":"2013 consultation, 2014 draft, 2016 deferral","Status":"answered","Finding / exact new claim IDs":"§3.2; C_NL-P02-C012","Missing evidence and next focused action":"Historical proposal status proved. This does not answer whether another later instrument exists."},"raw_table_index":11,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K030 Present operative 48(1)(d) designation","researcher_record":{"Coverage ID":"K030","Exact subissue":"Present operative 48(1)(d) designation","Status":"unresolved","Finding / exact new claim IDs":"§3.4; C_NL-P02-C016","Missing evidence and next focused action":"Obtain official linked subordinate instruments as of Oct 2026 and confirm every operative designation provision."},"raw_table_index":11,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K031 Present certificate requirement, category or certification authority","researcher_record":{"Coverage ID":"K031","Exact subissue":"Present certificate requirement, category or certification authority","Status":"unresolved","Finding / exact new claim IDs":"§3.4; C_NL-P02-C007, C016","Missing evidence and next focused action":"Locate implementing AMvB, if any; read its conditions, scope, start, amendments and expiry before asserting a requirement."},"raw_table_index":11,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K032 Six identified P01 claim replacements/limitations","researcher_record":{"Coverage ID":"K032","Exact subissue":"Six identified P01 claim replacements/limitations","Status":"answered","Finding / exact new claim IDs":"§6; C_NL-P02-C001–C016, individually mapped to P01-C001/C002/C003/C008/C012/C044","Missing evidence and next focused action":"This is researcher reconciliation, not coordinator acceptance. Do not alter the remaining 42 claim records."},"raw_table_index":12,"coordinator_acceptance":"selected_findings_or_reported_status_scoped_not_country_acceptance","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"K033 Application issues outside current-text reconciliation","researcher_record":{"Coverage ID":"K033","Exact subissue":"Application issues outside current-text reconciliation","Status":"excluded_with_reason","Finding / exact new claim IDs":"§§1–3; C_NL-P02-C015–C016 establish the source/instrument holds, not application conclusions","Missing evidence and next focused action":"Indirect remuneration, staff delegation, actual contractor contracts, cross-border nexus, creditor response, debtor funds, fees/remedies and judicial interpretation belong to other scoped work."},"raw_table_index":12,"coordinator_acceptance":"explicit_partial_unresolved_or_excluded_hold_preserved","not_original_P01_replacement":true,"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A01 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A01","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015 establishes the cross-cutting currentness hold","Missing evidence and exact disposition action":"Read saved A01 body; identify its exact assertion and append only matching C001–C016 correction."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A01","original_researcher_record":{"Scope / exact question":"A01. Wck current prohibition and arrangement-oriented definition","Status and actual finding location; claim IDs":"Answered — A; C001","Missing evidence and next focused action":"Reopen full consolidated 2026 Wck in coordinator review."},"new_claims":["C_NL-P02-C001","C_NL-P02-C002","C_NL-P02-C003","C_NL-P02-C005","C_NL-P02-C015"],"coordinator_disposition":"Article47 test retained; linked definition supplemented by verified1991/2011 changes and legacy transition; full current body remains held.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A02 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A02","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A02 body; check whether it repeats original article 1(a) wording or timing; map the specific amendment if present."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A02","original_researcher_record":{"Scope / exact question":"A02. Retained definition of krediettransactie","Status and actual finding location; claim IDs":"Partial — A; C001, C008","Missing evidence and next focused action":"Compare consolidated art 1(a)/(n) and all linked delegated credit-type definitions."},"new_claims":["C_NL-P02-C001","C_NL-P02-C002","C_NL-P02-C003","C_NL-P02-C004","C_NL-P02-C010","C_NL-P02-C015"],"coordinator_disposition":"Actual retained-definition topic: append selected1991/2011 amendments; services-decree/current consolidated1(a)/(n) remain held.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A03 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A03","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A03 body; test whether municipal or exception wording is asserted; preserve unchanged material."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A03","original_researcher_record":{"Scope / exact question":"A03. Original Wck exemptions superseded in 2017","Status and actual finding location; claim IDs":"Answered — A; C008","Missing evidence and next focused action":"Check any later cross-reference/repeal cleanup."},"new_claims":["C_NL-P02-C010","C_NL-P02-C015"],"coordinator_disposition":"Actual old2-4/repeal topic retained with prior dated repeal check; not municipal wording as a speculative placeholder suggested.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A07 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A07","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A07 body; test the article 48 enabling and implementing-instrument distinction if implicated."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A07","original_researcher_record":{"Scope / exact question":"A07. Named municipal Wck actors","Status and actual finding location; claim IDs":"Answered — B; C002–C003","Missing evidence and next focused action":"Particular institution status/mandate is fact-dependent."},"new_claims":["C_NL-P02-C009","C_NL-P02-C015"],"coordinator_disposition":"Actual municipal-actor topic retained with2019 wording; not a certificate issue; mandate/status facts held.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A08 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A08","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A08 body; check retained definitions and historical exclusions only if that is its actual subject."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A08","original_researcher_record":{"Scope / exact question":"A08. Municipal contractor instruction and account","Status and actual finding location; claim IDs":"Answered as legal test — A/B; C003, C014","Missing evidence and next focused action":"Actual contract, time, payer and task allocation in any real case."},"new_claims":["C_NL-P02-C009","C_NL-P02-C015"],"coordinator_disposition":"Actual municipal instruction/account topic retained; no contract or task-delegation facts supplied.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A10 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A10","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A10 body; determine precise actor/exception statement before making any replacement."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A10","original_researcher_record":{"Scope / exact question":"A10. Wck 48(1)(d) currently operative designated categories","Status and actual finding location; claim IDs":"Unresolved — B; C002, C009, C036, C044","Missing evidence and next focused action":"Targeted current subordinate-regulation inventory and status/commencement check."},"new_claims":["C_NL-P02-C007","C_NL-P02-C011","C_NL-P02-C012","C_NL-P02-C015","C_NL-P02-C016"],"coordinator_disposition":"Actual current-designation question remains unresolved; certificate power is a distinct enabling provision, not a licence.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A18 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A18","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A18 body; test professional wording and dates only if contained there."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A18","original_researcher_record":{"Scope / exact question":"A18. Wck 48(2) fee-rule power and 48(3) specific invalidity","Status and actual finding location; claim IDs":"Answered as wording — A; C002, C045","Missing evidence and next focused action":"Whether any current operative (d) designation/fee instrument applies."},"new_claims":["C_NL-P02-C006","C_NL-P02-C007","C_NL-P02-C015","C_NL-P02-C016"],"coordinator_disposition":"Add verified2007certificate delegation to actual48(2) fee-power row; specific48(3) consequence retained; actual implementing rules unresolved.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."},{"topic":"A35 original targeted row reconciliation remains held","researcher_record":{"Original targeted row":"A35","Status":"unresolved","Exact claim supported now":"C_NL-P02-C015","Missing evidence and exact disposition action":"Read saved A35 body; distinguish a negative registration/licence conclusion from an unverified designation or certificate instrument."},"raw_table_index":13,"coordinator_acceptance":"literal_original_row_locally_reconciled_with_continuing_substantive_holds","not_original_P01_replacement":true,"coordinator_literal_mapping":{"original_row_id":"A35","original_researcher_record":{"Scope / exact question":"A35. Professional admission/qualification/insurance","Status and actual finding location; claim IDs":"Partial — B; C012–C013, C042","Missing evidence and next focused action":"Current lawyer/accountant/notary/bailiff admission rules and all capacity limits."},"new_claims":["C_NL-P02-C008","C_NL-P02-C015"],"coordinator_disposition":"Actual professional admission/qualification/insurance question: name/date text changes do not clear professional practice, staff delegation, appointment or insurance rules.","original_literal_mapping_completed":true,"substantive_remaining_holds":true},"coordinator_review_file":"[internal evidence reference]","coordinator_review":"Actual row/claim links retained; a source-reconciliation or named word change does not clear full currentness, delegated instruments, professional practice, contracts or any country/locality."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"C_NL-pass-02-20261027-0026","status":null,"at":"2026-10-27T00:31:28.827888+00:00"}]}