{"meta":{"key":"c_sc--pass-01","task":"C_SC","title":"Independent paid-provider classification and authorisation gateway","parent_title":"Scotland consumer debt and resolution","edition":"pass-01","path":"/research/c_sc--pass-01/","kind":"split_pass","category":"international","role":"country","area_numbers":[97,98],"groups":["global"],"date":"2026-10-26","tables":26,"claims":53,"sources":52,"review_status":"scoped_coordinator_review_complete_gateway_coverage_correction_UNSENT_with_source_currentness_application_holds","review_complete":true,"sha256":"f8df002ed7fb743d78036363fa00faefd08c07cb7ea6822f738143ab7f448428","headings":["Independent paid-provider classification and authorisation gateway","1. Principal findings","2. A — Operative FSMA/RAO perimeter","A1. Activity classification","A2. Debtor, debt and purpose branches","3. B — Actor, role and exception matrix","4. C and F — Distinct authorisation, Scottish adviser and practitioner gateways","Classification decision","C1. FCA and professional gateways","F1. Scotland's Debt Arrangement Scheme","F2. Sequestration and protected trust deeds: practitioner status only","5. D — Territorial and jurisdiction boundary","6. E — Read-only official verification workflow","What a consumer would check","7. G — Six bounded hypothetical classification workflows","Scenario G1 — Paid card-debt negotiator in Glasgow","Scenario G2 — Free charity adviser offering DAS","Scenario G3 — Licensed insolvency practitioner offering a PTD and a separate commercial settlement service","Scenario G4 — Online referral tool and appointed-representative claim","Scenario G5 — Debt purchaser versus independent collector","Scenario G6 — DAS payments provider serving a legal-person debtor","Two quantified FCA prudential-resource examples","8. Complete visible source register","S001–S016 — FSMA, Regulated Activities Order and operative amendments","S017–S027 — FCA primary regulatory guidance, rules and public checks","S028–S040 — Scottish Debt Arrangement Scheme and bankruptcy legislation","S041–S048 — Practitioner, registers, payments and narrowly located exemptions","S049–S052 — Material failed current-text retrievals","9. Atomic claim register","C001–C028 — UK activity, debt, actor and exemption tests","C029–C053 — Scotland roles, FCA safeguards, territorial and verification findings","10. Coverage inventory — all A–G material subissues","A — Operative perimeter and currency","B — Actor and exemption classification","C — Authorisation, registration and gateway safeguards","D — Territorial and professional nexus","E — Read-only registers and evidence","F — Separate Scottish statutory practitioner boundaries","G — Scenarios, costs and consequences","11. H — Complete visible deferred-work inventory","H01–H10 — Consumer economics, contracts and conduct","H11–H20 — Funds, redress, private arrangements and debt records","H21–H30 — Courts, enforcement, protected assets and priority debts","H31–H38 — Full Scottish processes and international/other scope","12. Reader-useful questions supported by P01","13. Unresolved evidence, currency and publication holds","14. Final self-check and disposition","Arithmetic and completeness reconciliation","Disposition"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"C_SC/pass-01","facets":{"geography":["international","c_sc"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Firstindependentproviderperimeter/authorisationonly; allremainingcountrytopicsdeferred","pending_corrections":1},"markdown":"# C_SC PASS-01 — Scotland\n\n## Independent paid-provider classification and authorisation gateway\n\nSubstantive narrow-pass findings Not independently reviewed or accepted\n\nResearch baseline: 22 October 2026, America/Los_Angeles.\nActual public-source access: 26 October 2026 — UTC, Pacific daylight time (California), and GMT (Scotland). A precise access clock time was not captured.\nJurisdiction: Scotland, together with UK financial-services legislation insofar as it applies in Scotland.\n\nScope: Whether a debtor-facing business or professional may lawfully undertake specified advice, negotiation, repayment, referral or administration activities; the separate Scottish statutory adviser/practitioner gateways; and public verification of those statuses.\n\nThis is not a finding that any actual firm or person is authorised. It does not resolve consumer fees, contracts, client money, debt enforceability, compensation or the procedures for obtaining a Scottish debt solution.\n\n## 1. Principal findings\n\n1. Two different permission systems must be tested. A Scotland-facing provider may require authority under the UK Financial Services and Markets Act 2000 (FSMA) for regulated credit-debt activities. An adviser acting in the Scottish Debt Arrangement Scheme (DAS) must separately meet the Scottish approved-money-adviser provisions. Neither status automatically confers the other. C001–C003, C029–C036. legislation.gov.uk+3\n\n2. Debt negotiation and advice have specific regulatory definitions. Negotiating a borrower's credit-debt discharge with the lender is potentially debt adjusting, under article 39D of the Regulated Activities Order (RAO). Advising that particular borrower on paying, reducing, rescheduling or otherwise discharging that credit debt is potentially debt counselling, under article 39E. Generic budgeting is not automatically either activity. C004–C009. legislation.gov.uk+1\n\n3. The relevant agreement need not itself be a regulated lending agreement. The FCA expressly distinguishes a credit agreement from a regulated credit agreement: debt adjusting and counselling can apply to credit agreements and consumer-hire agreements even where the underlying agreement is exempt from the lender's regulatory perimeter. Conversely, a council-tax-only or other genuinely non-credit matter does not become article 39E counselling merely by being called “debt advice.” Mixed-debt advice requires particular care. C010–C014. legislation.gov.uk+2\n\n4. Charity, free advice and professional credentials are not blanket exceptions. Regular debt advice by a qualifying not-for-profit body can be treated as carried on by way of business. The narrow professional-services, litigation, insolvency and public-body exclusions have different conditions. C015–C021. legislation.gov.uk+2\n\n5. Scottish statutory roles are more specific than marketing labels. DAS regulations identify approved adviser categories, prohibit certain conflicted occupations and provide individual approval through the DAS Administrator. An entity debtor—such as a legal person, trust or unincorporated body—has a more restrictive DAS adviser rule. A Scottish sequestration or protected trust deed involves separate trustee and insolvency-practitioner authority. C029–C042. legislation.gov.uk+3\n\n6. A public register entry must be read at the activity level. FCA authorisation, limited permission, an appointed-representative arrangement, insolvency-practitioner licensing, DAS adviser approval and DAS payments-distributor approval are not interchangeable statuses. C022–C028, C043–C047. FCA+3\n\n7. A material 2025 Scottish amendment affects current applications. DAS regulation 9(1)(d) now specifies a Level 2 disclosure under the Disclosure (Scotland) Act 2020, dated less than 12 months before an application. That wording took effect on 1 April 2025. Older AiB guidance referring to the former criminal-record certificate must not be treated as the controlling 2026 wording. C035. legislation.gov.uk+1\n\n## 2. A — Operative FSMA/RAO perimeter\n\nThe first legal test is not “Does this business call itself a debt settlement company?” It is:\n\n1. Who performs the act, for whom, and in what legal capacity?\n2. Is the underlying obligation within the particular RAO activity definition?\n3. Is the provider carrying on a specified activity by way of business?\n4. Is the activity carried on in the UK, including any applicable FSMA territorial extension?\n5. Does a specific RAO exclusion, FSMA exemption, or valid appointed-representative arrangement apply?\n6. Otherwise, does the correct legal person have permission for that precise activity, without a restriction that rules out the proposed service?\n\nFSMA section 19 supplies the general prohibition; section 22 supplies the specified-activity/business framework. A one-time free consultation does not decide the character of the continuing business. C001–C003, C022–C028. legislation.gov.uk+2\n\n### A1. Activity classification\n\n| What the provider actually does | Primary test | Conclusion and adverse branch |\n| --- | --- | --- |\n| Negotiates a Scottish debtor's credit-card settlement directly with the lender | RAO 39D(1)(a) | Potential debt adjusting. A percentage fee is not an element that must appear in the definition; business and permission tests follow. C004 |\n| Assumes the debtor's repayment obligation in exchange for debtor payments | 39D(1)(b) | Expressly included for qualifying credit debts. Merely forwarding funds is a different factual model and may raise payment-services questions. C005 |\n| Performs similar work to liquidate that credit debt | 39D(1)(c) | Potential adjusting; actual contract, authority and operations matter. “Administration” as a label does not remove it. C004–C005 |\n| Negotiates or assumes obligations arising under consumer hire | 39D(2)(a)–(c) | Parallel adjusting perimeter for qualifying hirer/owner relationship. C006 |\n| Tells a particular borrower which repayment, rescheduling or insolvency option to pursue | 39E(1); FCA PERG 17.2–17.7 | Potential debt counselling where a credit agreement is implicated. This can be implicit steering, not just an express recommendation. C007–C009 |\n| Publishes general, neutral explanations accessible to everyone | PERG 17.4 Q4.1; 17.5 | Generally not 39E counselling merely from publication. A personalised decision tree may cross the boundary. C008 |\n| Calculates a budget without recommending a course for a particular credit debt | 39E and PERG 17.5 | Classification depends on output and context; not all budgeting is regulated counselling. C008 |\n| Advises on credit cards and council-tax arrears together | PERG 17.3 Q3.3 | The integrated advice may be regulated even though council tax itself is not a credit agreement. Do not remove the credit-debt part from the analysis. C009–C010 |\n| Collects a lender's or debt owner's credit arrears for that creditor | 39F | Potential debt collecting, a creditor-side activity, with separate connection-to-agreement exclusions. It does not answer whether the same firm may advise a debtor. C011, C018 |\n| Exercises or performs a lender's contractual rights and duties | 39G | Potential debt administration in that lender/owner capacity. A debtor-side payment plan is not automatically 39G. C012 |\n| Introduces a person to a new consolidation loan | 36A | Potential credit broking, subject to the precise introduction and exceptions. Introducing someone only to a debt-help provider is not automatically 36A. C013 |\n| Operates software that selects a debt solution for a named user | 39E; PERG 17.5 Q5.5 | Algorithmic delivery does not immunise personalised advice. The software operator and any human adviser each require role analysis. C008, C014 |\n| Receives debtors' money solely to transmit it to creditors | Payment Services Regulations 2017, regulation 2 and Schedule 1 | Potential additional payment-services gateway; it cannot be inferred away from a debt-adjusting permission. Present-day payment-services amendments and exclusions remain a specific verification hold. C048 |\n\nThe article 39D wording was read directly; the FCA's operative discussion of 39E was read in PERG 17. C004–C014. legislation.gov.uk+5\n\n### A2. Debtor, debt and purpose branches\n\n| Branch | Gate result |\n| --- | --- |\n| Individual's personal card, instalment loan or relevant consumer-hire debt | Core case potentially within 39D/39E, subject to the agreement and actor tests. C004, C007 |\n| Sole trader's borrowing | Being for business does not alone place every borrowing outside “credit agreement.” Examine RAO 60B and the exemptions; even an agreement exempt from regulated lending may remain relevant to 39D/39E. C010, C015 |\n| Two- or three-person partnership / qualifying unincorporated association | “Relevant recipient of credit” can bring some non-individual structures into the definition. The exact partnership composition and contract are essential. C015 |\n| Incorporated company's own ordinary borrowing | Not ordinarily the “individual or relevant recipient of credit” in 60B(3). No universal conclusion for all corporate/guarantee arrangements or other legal gateways. C015–C016 |\n| Guarantor, indemnifier or third-party payer | A guarantor is not automatically the borrower receiving 39E advice. The RAO's additional consumer definition in 39M for 39F/39G must not be silently transplanted to 39E. Check who owes what under the instrument. C016 |\n| Joint borrowers | Each contracting borrower's identity and obligations matter; one client's instruction does not prove authority to act for the other. C016 |\n| Debt not yet in arrears | FCA PERG 17.3 Q3.2 includes existing obligations to pay in the future; default is not required for counselling. C007 |\n| Council tax, rent, public fines or tax only | These are not automatically debts under a RAO credit agreement. Other law and a mixed-credit-debt interaction remain possible. C010 |\n| Secured/mortgage obligations | RAO 39J, as amended, only excludes the debt activities to the extent the conduct is another specified regulated activity concerning a regulated mortgage contract/home purchase plan. Mortgage permissions may therefore be separately relevant. C017 |\n\nThe credit agreement's exemption from regulated lending cannot be used as a blanket exemption for the debt adviser. The converse error—assuming every debt is a credit agreement—is equally significant. legislation.gov.uk+4\n\n## 3. B — Actor, role and exception matrix\n\n“Applicable” below means only that the particular described exclusion or exemption has been located. It is not an approval of a provider.\n\n| Actor or capacity | Actual boundary and authority | Missing/adverse branch |\n| --- | --- | --- |\n| Commercial debtor-side negotiator | Articles 39D/39E; FSMA 19/22. Ordinarily requires a relevant FCA Part 4A permission, properly scoped appointed representation or genuine exemption. C001–C007 | A collection-only, credit-broking-only or restricted permission may not cover debt management. |\n| Not-for-profit debt-advice body | Carrying on Regulated Activities by Way of Business Order 3E, inserted in 2013: qualifying not-for-profit bodies doing 39D, 39E or 89A activities are treated as doing so by way of business, except where only occasional. The constitution must meet the income/application and non-distribution criteria. C019 | Free delivery, charitable incorporation or receiving donations is no automatic FSMA exclusion. Appropriate limited permission can be available, but must actually exist. |\n| Public free adviser | Test employer and capacity. A local authority's own debt activities have RAO 72G(3) exclusion; DAS regulation 8(e) separately recognises qualifying local-authority employed money advisers. C020, C032 | A private charity, contractor, subsidiary or paid partner does not become the local authority simply by working with one. |\n| Scottish solicitor | RAO 39K legal-proceedings/advocacy/litigation capacity; separately FSMA 327 conditional designated-professional-body exemption for incidental regulated activities. C021 | Ordinary commercial telephone debt settlement cannot rely merely on a solicitor's title. Separate client/advantage, incidental-service, designated-body and permission facts matter. |\n| Accountant or other professional | FSMA 327(1)–(9) only where all profession, oversight, incidental-service and reward/regulated-activity conditions are met. C021 | Accountant title alone gives no blanket debt-management permission. |\n| Creditor collecting or rescheduling its own loan | RAO 39H connection-to-agreement exclusions, supported by PERG 2.8.7C; related supplier/acquiring-broker branches. C018 | An independent collection agent or assignee must identify its real legal capacity. Particular 39H amendments, including special debt-collection exceptions, require agreement-level verification. |\n| Debt purchaser or independent servicer | Test whether actually lender/rights-holder, person with a qualifying 39H connection, or independent 39F/39G operator. C011–C012, C018 | Purchasing a portfolio does not by itself settle the regulatory classification of all outsourced collection, servicing and borrower advice. |\n| Introducer or lead generator | Credit-broking article 36A if introducing for qualifying new credit; personalised debt advice may separately invoke 39E. C013–C014 | Bare factual signposting is distinct from tailored debt-solution steering. Referral commissions may affect other requirements. |\n| Software supplier | Substance of advice, who controls decision rules, whether outputs concern a particular borrower and debt; PERG 17.4–17.7. C008, C014 | “Automated,” “AI” or “information only” branding proves no exclusion. |\n| Payment-only distributor | Payment Services Regulations gateway may apply to receipt/transmission of funds; Scottish DAS payments distributor has a distinct regulation 14 approval role. C038, C048 | Neither status implies permission to advise or negotiate. Funds held and who is payee are critical. |\n| Qualified insolvency practitioner | RAO 72H(1)–(3) excludes 39D–39G while acting as an insolvency practitioner; narrower anticipated-appointment relief for 39D/39E. Insolvency Act 388/390/390A controls capacity and qualification. C022–C025 | Running an unrelated paid debt-management service is not covered simply because its owner holds an IP licence. |\n| Official receiver / judicial factor | Exemption Order Schedule 52 in stated statutory capacity; official receiver is not automatically the Scottish Accountant in Bankruptcy. C026 | Identify actual office and appointment; do not transfer powers across roles. |\n| Approved DAS money adviser | Scottish regulations 7–11, status/capacity determined by regulation 8 or actual regulation 9 approval, subject to regulation 10. C029–C037 | No automatic UK FSMA permission to run a wider commercial debt-settlement business. |\n| Appointed representative | FSMA 39 and Appointed Representatives Regulations, as amended to encompass 39D–39G. Authorised principal must accept responsibility in writing for specified business. C027 | “Works with an FCA firm” or “is an introducer” is not enough. Verify entity, principal, scope and limitations. |\n| Qualifying enterprise scheme | Exemption Order Schedule paragraph 40 and FCA PERG 2.11.5 recognise a specifically defined enterprise-scheme exemption for specified activities, without prospect of direct or indirect pecuniary gain; reasonable operating-cost recovery is differentiated. C028 | Not a general nonprofit exemption; the current definition and all scheme predicates need verification. |\n| Sheriff officer, messenger-at-arms, debt collector seeking DAS adviser role | Scottish DAS regulation 10(a), (c) disqualifies the specified persons or employees from approved money-adviser capacity. C034 | FCA authorisation or a professional relationship does not override the Scottish restriction. |\n\nFor the professional and creditor-connection rows, particular limitations are established by the sources cited, while consolidated article 39H and amended 39K remain explicitly identified as provision-level currentness checks. legislation.gov.uk+4\n\n## 4. C and F — Distinct authorisation, Scottish adviser and practitioner gateways\n\n## Classification decision\n\nThis classifies authority, not whether a debtor qualifies for a programme or what creditors must accept.### C1. FCA and professional gateways\n\n| Gateway | Person/body that supplies authority | Decisive scope and safeguard |\n| --- | --- | --- |\n| Direct Part 4A authorisation | Financial Conduct Authority | The legal entity must hold permission for the particular regulated credit activity. A permission limited to vehicle finance, a specified ancillary activity or advice excluding a debt management plan cannot be extrapolated. C027, C043 |\n| Full versus limited consumer-credit permission | FCA | Classification depends on the activities and applicant. An appropriately constituted not-for-profit body may apply for limited permission covering its debt counselling/adjusting, whereas a generic commercial debt-management provider should not assume limited status. C043 |\n| Appointed representative | Authorised principal with written accepted responsibility, under FSMA 39 | Scope, principal, exclusions and any restrictions must match the proposed regulated acts. Representation is not personal authorisation of every worker or independent service. C027 |\n| Designated professional exemption | FSMA 327 plus the applicable designated professional body and its regulatory arrangements | Must be incidental to supervised professional work; no unaccounted third-party advantage; no impermissible regulated holding-out/activity. C021 |\n| Insolvency practitioner authorisation | Recognised professional body under Insolvency Act 390/390A/391 | An individual, appropriately authorised for the relevant subject (individual/company and partnership branches), not an ordinary corporate licence. Section 390(3) additionally requires qualifying security/caution in Scotland for the appointment. C023–C025 |\n| Debt-management prudential resources | FCA CONC 10 for firms to which it applies | Continuing solvency and specified capital/resources calculation; details below. Does not promise a ring-fenced customer fund or compensation. C044–C045 |\n\nThe FCA's 2025 guidance for insolvency practitioners expressly distinguishes their professional regulator from the FCA's regulation of an authorised financial-services firm. A practitioner appointed over an FCA firm does not thereby erase that firm's FCA obligations. C025. legislation.gov.uk+5\n\n### F1. Scotland's Debt Arrangement Scheme\n\nThe legal name is the Debt Arrangement Scheme; the statutory programme is a Debt Payment Programme (DPP). The DAS Administrator is the relevant Scottish statutory authority, administered through the Accountant in Bankruptcy (AiB). This is not an England-and-Wales IVA or DRO, nor an Irish DSA or PIA. C029–C030. legislation.gov.uk+2\n\n| Scottish requirement | What the text actually says |\n| --- | --- |\n| Money adviser required | DAS regulation 7 requires the debtor to have an approved money adviser, with the stated association restriction. C031 |\n| Automatically qualifying categories, subject to exclusion | Regulation 8(a)–(e) lists a qualified IP, a properly delegated employee of such IP, an adviser working for a Type 2-or-higher accredited organisation, an adviser at a qualifying Citizens Advice Scotland member bureau, and a local-authority money adviser. Regulation 8(f) adds individually approved persons. C032 |\n| Entity debtor exception | Regulation 8A requires a legal person, trust or unincorporated body debtor to use a regulation 8(a) IP-category money adviser. An ordinary CAB adviser does not satisfy this special rule solely by meeting regulation 8(d). C033 |\n| Individual approval application | Regulation 9(1)–(2) requires the prescribed written application and suitability/training material and a Level 2 disclosure dated less than 12 months earlier; DAS Administrator determines fitness, training and applicable FCA compliance arrangements. C035 |\n| Disqualifications | Regulation 10 excludes specified sheriff officers/messengers, debt collectors and employees, certain for-profit financial-services persons subject to narrowly stated professional exceptions, specified dishonesty convictions, bankruptcy/director restrictions, and revoked/suspended advisers. C034 |\n| Continuing status | Regulation 11 governs suspension/revocation; an adviser cannot rely indefinitely on a status that has ceased to satisfy its terms. C036 |\n| Payments distributor | Regulations 14–15 provide a separate DAS Administrator approval/oversight route for distributors, including suitability conditions. It is not the same as money-adviser approval or a general payment-services permission. C038–C039 |\n| Repealed historical provision | DAS regulation 13 was revoked with effect from 4 November 2019. It must not be treated as a present approval pathway. C040 |\n\nlegislation.gov.uk+8### F2. Sequestration and protected trust deeds: practitioner status only\n\nScotland's bankruptcy legislation uses sequestration, and Scottish debtor insolvency arrangements include protected trust deeds (PTDs). The Bankruptcy (Scotland) Act 2016 allocates trustee selection/qualification functions and statutory roles to AiB and qualified trustees. In the 2016 Act's enacted print, sections 49–51 address trustee restrictions and appointment pathways; 163–165 distinguish trust-deed protection/recording from the qualified trustee role. No conclusion about an individual's eligibility, approval of a deed or discharge follows from these gateway provisions. C041–C042. Oueen's Print Cover.docx+3\n\nUK Insolvency Act 1986 section 388 expressly identifies acting as trustee or interim trustee in Scottish sequestration and as trustee under a Scottish trust deed as insolvency-practitioner capacities. Sections 390 and 390A require an individual with appropriate authorisation for the appointment, including the Scottish caution/security requirement. AiB has its own statutory capacity and is expressly treated differently by section 388(5). C023–C026. legislation.gov.uk+2\n\nThe practical boundary is therefore:\n\n- Private voluntary negotiation: examine FSMA/RAO and other applicable business gateways.\n- DAS advice or DPP distribution: additionally examine the specified DAS role and its Scottish approval.\n- Sequestration/PTD trustee work: additionally examine the applicable IP authorisation, appointment capacity and AiB statutory powers.\n\nNo one of these classifications automatically authorises all three.\n\n## 5. D — Territorial and jurisdiction boundary\n\nFSMA section 19 concerns carrying on regulated activities in the United Kingdom, which includes Scotland. Section 418 and FCA PERG 2.4, updated 16 September 2026, address deemed UK activity from UK-based management or a UK establishment and other specified branches. The presence of foreign clients, an overseas headquarters, remote staff, or a website accessible across borders does not by itself settle the statutory test. C001, C046. legislation.gov.uk+2\n\n| Illustrative nexus | Gate analysis; no asserted outcome without facts |\n| --- | --- |\n| Glasgow firm phones Edinburgh debtors | UK activity plainly needs FSMA/RAO classification. Scottish statutory solutions additionally use Scots rules. |\n| London FCA-authorised firm advises a Scottish debtor | UK permission may be relevant, but exact activities/limitations and Scotland-specific advice must be checked. The FCA's CONC 8.2.2G, updated June 2026, expressly addresses differences among UK countries. |\n| Scottish adviser serves a non-UK resident | UK business location may still trigger FSMA; no conclusion about foreign debt, foreign law or availability of Scottish debt solutions. |\n| Overseas company advertises a paid Scotland-facing telephone service | Cannot infer “outside FSMA” merely from registration or hosting abroad. Establish where acts, management, staff and decision-making occur and apply section 418 and PERG 2.4. |\n| Non-UK adviser without an identified UK establishment | Territorial result unresolved without the precise activity, nexus and any other applicable jurisdiction's law. Not an automatic exemption and not automatic UK regulation. |\n| Cross-border referral followed by a Scottish DPP or PTD | Distinguish the introducer's UK regulated activity from the separately approved Scottish money adviser/distributor or trustee. |\n\nExplicit boundary: This pass does not decide A098 foreign recognition, foreign judgments, moving abroad, conflicts of law, currency conversion, foreign creditor participation or international asset questions.\n\n## 6. E — Read-only official verification workflow\n\nThis is a hypothetical consumer verification method. No provider, adviser, insolvency practitioner, debtor or individual record was searched.\n\n## What a consumer would check\n\n1. Identify the contracting person. Obtain the provider's full legal name, company or individual status, trading names and contractual counterparty. A trading name or company's ordinary registration does not prove regulated authority.\n2. Identify the service and debts. Keep the proposed engagement wording, debt-agreement types, named borrower/joint borrower/guarantor capacity, who contacts creditors, whether a recommendation is personalised, and whether new credit is introduced.\n3. Establish compensation and money flow. Record all direct fees, creditor/affiliate referral benefits, third-party payments, whether funds ever enter the provider's control and the intended recipient. Do not mistake a no-fee first call for a no-remuneration business.\n4. Check the FCA's official tools. Use the [FCA checking guidance](https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com) and [Financial Services Register](https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com). Compare the same legal entity, status date, relevant activity permission, conditions, restrictions, individual role if relevant, and any appointed representative/principal. For an AR, establish which principal accepts responsibility for the specific proposed service.\n5. If DAS is proposed, apply the Scottish test separately. Determine the precise regulation 8(a)–(f) route or individual regulation 9 approval, check regulation 10 conflicts/disqualification, and distinguish the money adviser from the regulation 14 payments distributor. Any approval evidence should be attributable to the DAS Administrator—not merely a provider brochure.\n6. If sequestration or a PTD trustee is proposed, check practitioner capacity. The [government IP search](https://www.gov.uk/find-an-insolvency-practitioner?utm_source=chatgpt.com) can assist, but the underlying authorising recognised professional body's licensing record, individual/companies scope, Scottish appointment and applicable caution/security remain relevant.\n7. Separate public debtor registries from professional licensing. AiB's [DAS Register](https://www.aib.gov.uk/systems/das-register?utm_source=chatgpt.com) concerns programme/debtor information. The [Register of Insolvencies](https://www.aib.gov.uk/systems/register-of-insolvencies?utm_source=chatgpt.com) concerns insolvency entries. Neither is, by itself, a complete list of authorised debt advisers or licensed practitioners.\n\nThe Insolvency Service's public practitioner search expressly warns that it is not a complete list of all UK insolvency practitioners. An absent search result must therefore not automatically be interpreted as an unlicensed person. The public FCA tools likewise require the exact activity and legal entity to be compared; “registered,” “authorised,” “approved” and “appointed representative” denote different things. C043, C047, C050. FCA+5\n\nVerification does not establish: validity of a proposed consumer contract, that a creditor will negotiate or accept a settlement, that a debt has been released, any success rate, that money is protected, or that any particular consumer remedy follows.\n\n## 7. G — Six bounded hypothetical classification workflows\n\nThese are invented fact patterns, not private cases or records.\n\n### Scenario G1 — Paid card-debt negotiator in Glasgow\n\n- Known hypothetical facts: A Glasgow limited company charges debtors for negotiating reduced settlements of their personal credit-card balances; its staff contact card lenders on the debtors' behalf.\n- Missing facts: Contractual entity, all lender agreements, payments and commissions, whether it also holds customer money, FCA permission scope and any appointed-representative principal.\n- Legal test and provisional result: Article 39D(1)(a) strongly indicates debt adjusting. If the firm also recommends who to pay or what plan to adopt, 39E may apply. FSMA 19/22 and the actual exemptions/permission follow. C001–C009, C027.\n- Gateway/decision-maker: FCA authorisation, or the strictly applicable FSMA exemption/AR arrangement.\n- Adverse branch: An FCA entry for credit broking only, or one excluding debt management plans, would not establish permission for this service. Payment handling may engage another gateway.\n- Documents and next read-only check: Proposed agreement, fee/referral schedule, debtor authority, sample outputs, self-declared FCA reference and exact Register permissions/restrictions. Sources S001, S002, S007, S016, S024, S026–S027.\n\n### Scenario G2 — Free charity adviser offering DAS\n\n- Known hypothetical facts: A charitable organisation provides recurring personalised budget and card-debt advice without charging the user and describes its worker as a “DAS adviser.”\n- Missing facts: Constitution/non-distribution terms, actual FCA status, adviser employment and training, Type 2 accreditation/CAB/local-authority/individual-approval route, conflicts and whether the debtor is an individual or legal entity.\n- Legal test and provisional result: Free recurring personalised credit-debt advice may fall under 39E and the special not-for-profit business rule; regulation 8 determines qualifying DAS adviser categories subject to regulation 10. C007, C019, C031–C035.\n- Gateway/decision-maker: FCA or applicable exemption for regulated financial work; DAS Administrator for an individual approval, as applicable.\n- Adverse branch: Charitable registration is neither FCA authorisation nor proof of a particular worker's DAS approval. For an entity debtor, regulation 8A requires an IP-category adviser.\n- Documents and next read-only check: Constitution, employment/organisation status, accreditation or regulator approval evidence, activity wording and correct register scope. Sources S016, S017, S023, S029–S033.\n\n### Scenario G3 — Licensed insolvency practitioner offering a PTD and a separate commercial settlement service\n\n- Known hypothetical facts: A Scotland-based individual holds a recognised insolvency-practitioner licence and acts as trustee for some protected trust deeds. A separately marketed service sells ongoing voluntary creditor negotiations outside any particular trustee appointment.\n- Missing facts: Full/partial licence scope; actual appointment or reasonable anticipation; whether the commercial service is performed personally or by a different corporation; whether any FCA permission exists; caution/security for trustee appointments.\n- Legal test and provisional result: RAO 72H and Insolvency Act 388 protect defined practitioner capacities, not every service sold by a licensed individual. The ordinary settlement line must be reclassified under 39D/39E. C004, C007, C022–C025, C041–C042.\n- Gateway/decision-maker: Recognised professional body for practitioner authorisation; Scottish statutory trustee/AiB process for appointment; potentially FCA for the separate service.\n- Adverse branch: A business claiming “FCA exempt because our founder is an IP” has not shown that all its employees and contracts are within the statutory appointment-capacity exclusion.\n- Documents and next read-only check: Individual's licensing category and authorising body, appointment instrument, legal identity of the commercial firm and exact FCA status. Sources S012, S040–S042, S045–S046.\n\n### Scenario G4 — Online referral tool and appointed-representative claim\n\n- Known hypothetical facts: A website accessible in Scotland asks users for card balances and disposable income, outputs “Choose debt management,” and sells referrals to a separate authorised firm. It advertises itself as “working under” that firm.\n- Missing facts: Whether the recommendation is generated for a particular borrower/debt, what the receiving firm actually does, the referral contract, benefit, location of staff and management, AR contract and principal's activity coverage.\n- Legal test and provisional result: PERG 17.4–17.5 makes the personalised steering a real 39E question. Introducing for new credit is separately tested under 36A. An AR exemption needs FSMA 39 requirements, not a marketing partnership. C008, C013–C014, C027, C046.\n- Gateway/decision-maker: FCA authorisation/AR responsibility or an applicable exact exclusion.\n- Adverse branch: A principal authorised only for lending referrals cannot automatically cover the site's personalised debt counselling.\n- Documents and next read-only check: Full decision-tree outputs, economic/referral contract, AR/agency wording, principal legal identity, location and official scope. Sources S003, S013, S016–S020, S026–S027.\n\n### Scenario G5 — Debt purchaser versus independent collector\n\n- Known hypothetical facts: Company A purchases a portfolio of qualifying credit agreements and works on its own acquired claims. Company B is separately paid to pursue arrears and also offers borrowers advice on the order of repayment.\n- Missing facts: Whether A actually acquires lender rights under each instrument; servicing delegation; whether B gives debtor-side advice; special agreement exclusions and contractual authority.\n- Legal test and provisional result: Test A under 39H in its precise agreement-holder capacity. Test B's creditor collection under 39F and its borrower advice independently under 39E. C007, C011–C012, C018.\n- Gateway/decision-maker: FCA/FSMA or exact exclusions for each distinct entity and activity.\n- Adverse branch: Creditor-side collection permission or exemption does not necessarily allow B to market itself as a debtor-side debt adviser. Specific post-2014 article 39H exceptions need checking.\n- Documents and next read-only check: Assignment and servicing documents, collections script, debtor-advice script, identity and permission evidence. Sources S008–S009, S016, S020.\n\n### Scenario G6 — DAS payments provider serving a legal-person debtor\n\n- Known hypothetical facts: A company offers to prepare a DPP for a Scottish unincorporated association and take monthly amounts for distribution to creditors. Its adviser is a general charity money adviser, while its payments department says it is “DAS registered.”\n- Missing facts: The debtor's legal character; adviser's individual IP qualification; actual DAS approved-distributor status; who receives funds and whether a separate payment-services activity exists.\n- Legal test and provisional result: Regulation 8A requires the 8(a) qualified-IP category adviser for that entity debtor. Regulation 14 separately controls DAS payments distributor approval; PSR classifications depend on money flow. C033, C038–C039, C048.\n- Gateway/decision-maker: DAS Administrator for the Scottish approvals; recognised professional body for IP status; potentially FCA for financial/payment-services activities.\n- Adverse branch: General charity-adviser accreditation and distributor status do not cure a failure of regulation 8A or independently confer payment-services permission.\n- Documents and next read-only check: Entity constitution, individual IP credentials and appointment, distributor approval evidence, funds-flow specification, FCA/PSR status. Sources S031, S035–S036, S041, S047.\n\n### Two quantified FCA prudential-resource examples\n\nThese are gateway/safeguard calculations, not consumer fees, settlement costs or promised compensation. They assume the entity is a debt management firm to which CONC 10 applies, with no higher overlapping prudential requirement and amounts measured as relevant debts under management at the applicable calculation date.\n\nExample Q1 — £1 million relevant debts\n\n# £5,000\n\nRequired prudential resources\n\n£1,000,000×0.25%=£2,500£1{,}000{,}000 \\times 0.25\\% = £2{,}500£1,000,000×0.25%=£2,500\n\nThe £5,000 floor under CONC 10.2.8 exceeds the percentage calculation.\n\nExample Q2 — £10 million relevant debts\n\n# £20,000\n\nRequired prudential resources\n\n£5m×0.25%=£12,500£5m \\times 0.25\\% = £12{,}500£5m×0.25%=£12,500\n\n£5m×0.15%=£7,500£5m \\times 0.15\\% = £7{,}500£5m×0.15%=£7,500\n\nSum: £20,000.\n\nLegal basis: FCA CONC 10.2.5R, 10.2.8R, with the second computation expressly illustrated by CONC 10.2.11G. At initial permission, the calculation uses the specified projection under 10.2.9R. The rule also addresses later changes and other, higher requirements. A not-for-profit advice body falls within this chapter only on the stated application conditions—for example, the relevant £1 million client-money threshold in CONC 10.1.1R(2)—which must not be confused with £1 million of debts under management. C044–C045. handbook.fca.org.uk\n\nWhat the numbers do not mean: They are not an FCA application charge, an indemnity bond, the amount held for customers, a guaranteed refund, or an individual borrower's entitlement.\n\n## 8. Complete visible source register\n\nSource ID prefix: `C_SC-P01-S`. Thus `S001` below denotes `C_SC-P01-S001`, and similarly for every row.\n\nRead date for every entry: 26 October 2026, unless specified as a different source publication/effective date. “Body” means the cited provision or substantive document text was actually returned and read; “index” means search/discovery text only; “failed” means no substantive body was returned. A historical consolidation is not presented as a 2026 consolidation. All URLs below are literal direct HTTPS addresses.\n\n### S001–S016 — FSMA, Regulated Activities Order and operative amendments\n\n| ID | Issuer, title and full direct URL | Exact pinpoint; jurisdiction, actor/debt, version and access status |\n| --- | --- | --- |\n| S001 | UK Parliament, Financial Services and Markets Act 2000, s19. [https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html?utm_source=chatgpt.com) | s19(1); general prohibition; UK including Scotland, any person undertaking UK regulated business. Body read, legislation.gov.uk text returned 2026-10-26. legislation.gov.uk |\n| S002 | UK Parliament, FSMA 2000, s22. [https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html?utm_source=chatgpt.com) | s22(1), (1A); prescribed activity/investment/property and business; UK. Body read, 2026-10-26. legislation.gov.uk |\n| S003 | UK Parliament, FSMA 2000, s39. [https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html?utm_source=chatgpt.com) | s39(1), (1A), associated restrictions; authorised principal, representative contract and accepted responsibility; UK. Body read, consolidated text 2026-10-26; later provision amendments noted. legislation.gov.uk |\n| S004 | UK Parliament, FSMA 2000, s327. [https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html?utm_source=chatgpt.com) | s327(1)–(9); designated-profession incidental-service exemption, reward and activity restrictions; UK/Scottish professionals. Body read, 2026-10-26. legislation.gov.uk |\n| S005 | UK Parliament, FSMA 2000, s418. [https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html?utm_source=chatgpt.com) | s418(1), (3)–(8) as relevant; deeming UK territorial activity; cross-border providers. Body read, 2026-10-26; other specialised branches not comprehensively adjudicated. legislation.gov.uk |\n| S006 | UK Parliament, FSMA 2000, s23, dated consolidation. [https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html?utm_source=chatgpt.com) | s23(1), (1A)–(1G), (3)–(5); general prohibition and credit-related permission offences, due-diligence defence. 2014-02-28 snapshot body read, fetched 2026-10-26; not certified current to 2026. legislation.gov.uk |\n| S007 | HM Treasury, FSMA (Regulated Activities) Order 2001, SI 2001/544, art39D. [https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html?utm_source=chatgpt.com) | 39D(1)(a)–(c), (2)(a)–(c); debt adjusting, borrower/lender and consumer hire; UK. Current displayed body read, inserted 2013/operative generally 2014. legislation.gov.uk |\n| S008 | HM Treasury, RAO 2001, art39F. [https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html?utm_source=chatgpt.com) | 39F(1)–(4); creditor-side debt collecting, credit/hire and specified P2P branches. Body read, 2026-10-26. legislation.gov.uk |\n| S009 | HM Treasury, RAO 2001, art39G. [https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html?utm_source=chatgpt.com) | 39G(1)–(4); debt administration—specified rights/duties; agreement-related actors. Body read, 2026-10-26. legislation.gov.uk |\n| S010 | HM Treasury, RAO 2001, art39J. [https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html?utm_source=chatgpt.com) | 39J; qualified mortgage/home-purchase overlap exclusion, as amended by SI 2014/366 art2(14). Current displayed body read, 2026-10-26. legislation.gov.uk |\n| S011 | HM Treasury, RAO 2001, art72G. [https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html?utm_source=chatgpt.com) | 72G(3) and (3A); local authority debt activities and limits on extending exclusion to other persons. Body read, 2026-10-26. legislation.gov.uk |\n| S012 | HM Treasury, RAO 2001, art72H. [https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html?utm_source=chatgpt.com) | 72H(1)–(5); IP acting capacity and anticipated appointment; 2026 crypto/targeted-support annotations are separate activities. Current displayed body read, 2026-10-26. legislation.gov.uk |\n| S013 | HM Treasury, RAO 2001, art36A. [https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html?utm_source=chatgpt.com) | 36A(1), (3), (4); credit broking and qualifying new-credit introductions. Body read, 2026-10-26; individual exclusion predicates need fact-specific matching. legislation.gov.uk |\n| S014 | HM Treasury, RAO 2001, Chapter 14A, dated 2026-07-15. [https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html](https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html?utm_source=chatgpt.com) | 60B(1)–(3), related credit-agreement/exemption definitions; individual/relevant recipient of credit; UK. Dated 2026-07-15 consolidation body read; not a proof of every subsequent change. legislation.gov.uk |\n| S015 | HM Treasury, RAO 2001, art60L. [https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html?utm_source=chatgpt.com) | 60L(1), relevant defined terms; borrower/lender/credit/security, relevant to guarantees but not a blanket expansion of 39E. Body read, 2026-10-26. legislation.gov.uk |\n| S016 | HM Treasury, FSMA (Regulated Activities) (Amendment) (No. 2) Order 2013, SI 2013/1881, 2014-06-27 dated text. [https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html](https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html?utm_source=chatgpt.com) | arts 5, 13–15: insertion of RAO 39D–39M, business-order 3E, Exemption Order Sch para 40/47/52, and Appointed Representatives Regulations reg2 debt activities. Historic amending text body read, 2026-10-26; original insertion not used alone to claim unchanged 2026 consolidation. legislation.gov.uk+1 |\n\n### S017–S027 — FCA primary regulatory guidance, rules and public checks\n\n| ID | Issuer, title and full direct URL | Exact pinpoint; jurisdiction, actor/debt, version and access status |\n| --- | --- | --- |\n| S017 | FCA, PERG 17 Consumer credit debt counselling. [https://handbook.fca.org.uk/handbook/perg17](https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com) | PERG 17.1–17.7, especially Q2.1, Q3.1–3.3, Q4.1–4.3, Q5.1–5.5 and examples; individual debt advice, information and mixed debts, UK. Body read; Handbook last updated 2023-06-02, accessed 2026-10-26. PERG 17 Consumer credit debt counselling |\n| S018 | FCA, PERG 2.3 The business element. [https://handbook.fca.org.uk/handbook/perg2/perg2s3](https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com) | PERG 2.3.1–2.3.2, including not-for-profit credit activity/business-order treatment. Body read; updated Handbook material displayed 2026-10-26. PERG 2.3 The business element |\n| S019 | FCA, PERG 2.4 Link between activities and the United Kingdom. [https://handbook.fca.org.uk/handbook/perg2/perg2s4](https://handbook.fca.org.uk/handbook/perg2/perg2s4?utm_source=chatgpt.com) | PERG 2.4.1–2.4.3; UK management/establishment and cross-border activity. Body read; last updated 2026-09-16; a separate future 2027-10-25 version is shown and is not treated as effective. handbook.fca.org.uk |\n| S020 | FCA, PERG 2.8 Exclusions applicable to particular regulated activities. [https://handbook.fca.org.uk/handbook/perg2/perg2s8](https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com) | PERG 2.8.7C(1)–(6); creditor, professional litigation, mortgage and related debt exclusions. Body read, 2026-10-26. Legal RAO text controls over explanatory guidance. handbook.fca.org.uk |\n| S021 | FCA, PERG 2 Authorisation and regulated activities. [https://handbook.fca.org.uk/handbook/perg2](https://handbook.fca.org.uk/handbook/perg2?utm_source=chatgpt.com) | PERG 2.11.2–2.11.6, especially 2.11.5 enterprise schemes; official receiver, judicial factor, tracing and narrow exemptions. Body read, 2026-10-26. PERG 2 Authorisation and regulated activities |\n| S022 | FCA, CONC 8 Debt advice. [https://handbook.fca.org.uk/handbook/conc8](https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com) | CONC 8.1.1–8.1.4; 8.2.2G; 8.9; firms with debt-advice permissions, exempt underlying credit/hire agreements, UK-country differentiation and leads. Body read; chapter last updated 2026-07-31, 8.2.2G dated 2026-06-26. Conduct detail outside P01. CONC 8 Debt advice |\n| S023 | FCA, Limited Consumer Credit Firm: application notes (PDF). [https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf](https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf?utm_source=chatgpt.com) | PDF zero-index page 1, limited-permission explanation and not-for-profit constitutional test; printed page number not independently confirmed. PDF body read, 2026-10-26; instructions are explanatory, not a standalone grant. fca.org.uk |\n| S024 | FCA, Limitations on debt permissions. [https://www.fca.org.uk/firms/limitations-debt-permissions](https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com) | Scope limitations, including debt-management-plan restrictions; UK regulated debt firms. Body read, FCA page originally published 2017, accessed 2026-10-26. Individual firm's actual restrictions must be checked. FCA |\n| S025 | FCA, CONC 10 Prudential rules for debt management firms. [https://handbook.fca.org.uk/handbook/conc10](https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com) | CONC 10.1.1–1.6; 10.2.1–2.14; 10.3.2–3.3; application, professional-firm carve-out, solvency and tiered prudential calculation. Body read; chapter last updated 2014-07-01, accessed 2026-10-26. handbook.fca.org.uk |\n| S026 | FCA, How to check a firm or individual is authorised. [https://www.fca.org.uk/consumers/how-check-firm-individual-authorised](https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com) | Public Firm Checker/Register instructions, legal-entity status, appointed representatives, permission and protection limitations. Body read; page updated 2026-09-22, accessed 2026-10-26. No entity searched. FCA |\n| S027 | FCA, Financial Services Register. [https://www.fca.org.uk/firms/financial-services-register](https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com) | Official public register categories and limitations; authorised persons, ARs and other financial-services entries. Body read; page updated February 2026, accessed 2026-10-26. No individual or firm searched. FCA |\n\n### S028–S040 — Scottish Debt Arrangement Scheme and bankruptcy legislation\n\n| ID | Issuer, title and full direct URL | Exact pinpoint; jurisdiction, actor/debt, version and access status |\n| --- | --- | --- |\n| S028 | Scottish Parliament, Debt Arrangement and Attachment (Scotland) Act 2002, as-enacted PDF. [https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf](https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf?utm_source=chatgpt.com) | ss1–3, DAS creation, Scottish administrative/adviser basis; printed pages 1–2, zero-index PDF pages 6–7. Original enacted body read, not 2026 consolidation. legislation.gov.uk+1 |\n| S029 | Scottish Ministers, Debt Arrangement Scheme (Scotland) Regulations 2011, SSI 2011/141, reg7. [https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html?utm_source=chatgpt.com) | reg7(1)–(2); debtor approved money adviser and association rule. Consolidated provision body read, effective from 2011 subject to amendments. legislation.gov.uk |\n| S030 | Scottish Ministers, SSI 2011/141, reg8. [https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html?utm_source=chatgpt.com) | reg8(a)–(f); qualifying money-adviser categories, subject to reg10. Body read, 2026-10-26; original operative 2011. legislation.gov.uk |\n| S031 | Scottish Ministers, SSI 2011/141, reg8A. [https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html?utm_source=chatgpt.com) | reg8A; qualified-IP adviser required for legal persons, trusts, unincorporated bodies. Body read; inserted 2014-12-11, effective at access. legislation.gov.uk |\n| S032 | Scottish Ministers, SSI 2011/141, reg9. [https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html?utm_source=chatgpt.com) | reg9(1)(a)–(d), (2)(a)–(d); individual application, fitness, training, FCA arrangements. Body read, current wording includes 2025-04-01 Level 2 amendment. legislation.gov.uk |\n| S033 | Scottish Ministers, SSI 2011/141, reg10. [https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html?utm_source=chatgpt.com) | reg10(a)–(g); disqualified occupations, conflicts, convictions and restrictions. Body read, 2026-10-26. legislation.gov.uk |\n| S034 | Scottish Ministers, SSI 2011/141, reg11. [https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html?utm_source=chatgpt.com) | reg11(1), (1A) and related grounds; approved money-adviser revocation/suspension, including FCA-arrangement relevance. Body read, 2026-10-26. legislation.gov.uk |\n| S035 | Scottish Ministers, SSI 2011/141, reg14. [https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html?utm_source=chatgpt.com) | reg14(1), (3)–(7); DAS payments distributor approval, conditions, fitness and relevant statutory capacity. Body read, 2026-10-26. legislation.gov.uk |\n| S036 | Scottish Ministers, SSI 2011/141, reg15. [https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html?utm_source=chatgpt.com) | reg15, payments distributor approval removal; Scotland. Body read, 2026-10-26. legislation.gov.uk |\n| S037 | Scottish Ministers, SSI 2011/141, reg13. [https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html](https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html?utm_source=chatgpt.com) | reg13 annotations/revocation; revoked 2019-11-04. Body read solely to exclude superseded route, 2026-10-26. legislation.gov.uk |\n| S038 | Accountant in Bankruptcy, How to become an approved money adviser. [https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser](https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser?utm_source=chatgpt.com) | AiB practical categories/application/fitness guidance; updated 2025-11-11, body read. Conflict: guidance retains obsolete certificate description; current S032 statutory Level 2 wording controls. Accountant in Bankruptcy |\n| S039 | Accountant in Bankruptcy, Main parties in DAS. [https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das](https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das?utm_source=chatgpt.com) | DAS Administrator, advisers, continuing adviser and payments-distributor roles; body read, 2026-10-26; precise latest page revision not established. Accountant in Bankruptcy |\n| S040 | Scottish Parliament, Bankruptcy (Scotland) Act 2016, as-enacted PDF. [https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf](https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf?utm_source=chatgpt.com) | ss49–51, printed pages 36–40, PDF zero indices 46–50; ss163–165, printed 119–120, PDF zero indices 130–131. Original enacted body read, 2026-10-26. Later amendments not comprehensively consolidated; practitioner-boundary findings only. Oueen's Print Cover.docx+3 |\n\n### S041–S048 — Practitioner, registers, payments and narrowly located exemptions\n\n| ID | Issuer, title and full direct URL | Exact pinpoint; jurisdiction, actor/debt, version and access status |\n| --- | --- | --- |\n| S041 | UK Parliament, Insolvency Act 1986, Part XIII. [https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html](https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html?utm_source=chatgpt.com) | ss388(1)–(5), 390(1)–(5), 390A(1)–(3), 390B, 391(1); statutory acting capacities, appropriate full/partial individual authorisation and Scottish caution. Current displayed part body read, 2026-10-26. legislation.gov.uk+2 |\n| S042 | FCA, FG25/2 Guidance for insolvency practitioners on how to approach regulated firms (PDF). [https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf](https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf?utm_source=chatgpt.com) | Introduction, PDF zero-index page 0 / printed page 1; appointed-representative/principal discussion around zero-index page 13 / printed page 14. 2025 guidance body read, 2026-10-26; FCA regulates firms, not the IP profession. fca.org.uk |\n| S043 | Accountant in Bankruptcy, DAS Register. [https://www.aib.gov.uk/systems/das-register](https://www.aib.gov.uk/systems/das-register?utm_source=chatgpt.com) | Public register description and scope; body read, 2026-10-26. DPP/debtor records, not a complete adviser-approval register. No individual case searched. Accountant in Bankruptcy |\n| S044 | Accountant in Bankruptcy, Register of Insolvencies. [https://www.aib.gov.uk/systems/register-of-insolvencies](https://www.aib.gov.uk/systems/register-of-insolvencies?utm_source=chatgpt.com) | Public insolvency register purpose; body read, 2026-10-26. Not an IP licensing registry. No case searched. Accountant in Bankruptcy |\n| S045 | UK Government, Regulated Professions Register — Insolvency Practitioner. [https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner](https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner?utm_source=chatgpt.com) | Regulation; reserved activities; recognised professional bodies; qualification and Scottish AiB oversight sections. Body read, 2026-10-26; general current publication, exact last revision unknown. GOV.UK |\n| S046 | UK Insolvency Service, Find an insolvency practitioner. [https://www.insolvencydirect.bis.gov.uk/fip1/](https://www.insolvencydirect.bis.gov.uk/fip1/?utm_source=chatgpt.com) | Public search guidance and explicit incomplete-list limitation. General page body read, 2026-10-26; no named-practitioner search. Find an insolvency practitioner |\n| S047 | UK Parliament, Payment Services Regulations 2017, SI 2017/752, as-made PDF. [https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf](https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf?utm_source=chatgpt.com) | reg2 money remittance, PDF zero-index 12; Sch1 para1 payment services, zero-index 89; Sch1 para2 exclusions, zero-index 90; reg138 in original, zero indices 79–80. Printed pagination was not reliably separable from PDF indices in extracted text. 2017 original body read, 2026-10-26; current 2026 payment regime not fully reconciled. legislation.gov.uk+1 |\n| S048 | UK Parliament, FSMA (Exemption) Order 2001, SI 2001/1201, Schedule paragraph 40. [https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40](https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40?utm_source=chatgpt.com) | Sch para40, defined enterprise-scheme exemption. Index/search only for current paragraph wording; direct body fetch failed. The 2013 textual amendment was body-read in S016 and FCA explanation body-read in S021. The full current scheme-definition predicates are not independently confirmed. legislation.gov.uk+2 |\n\n### S049–S052 — Material failed current-text retrievals\n\nThese are recorded as access limitations, not affirmative legal authority.\n\n| ID | Issuer, title and full direct URL | Intended pinpoint, access outcome and safe alternative |\n| --- | --- | --- |\n| S049 | HM Treasury, RAO art39H current. [https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html?utm_source=chatgpt.com) | 39H(1)–(5), including later exceptions. Failed direct current body read; 2013 insertion S016 was body-read and current FCA PERG S020 body-read. Residual uncertainty: exact effect of all later specialised amendments on a concrete creditor/collector. |\n| S050 | HM Treasury, RAO art39K current. [https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html](https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html?utm_source=chatgpt.com) | 39K legal-profession exclusion, current body failed. Original Scottish solicitor limb body-read in S016; later FCA explanation body-read in S020. Consolidated post-amendment exact Scottish wording is not certified. |\n| S051 | UK Parliament, FSMA s26 current. [https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html?utm_source=chatgpt.com) | Potential agreements/remedies consequence. Failed body access; deliberately no conclusion about individual debt or contract enforceability drawn. Full private-law remedial treatment deferred. |\n| S052 | UK Parliament, FSMA s23 current. [https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html](https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html?utm_source=chatgpt.com) | Current offence wording failed; a 2014 dated body was successfully read in S006. Consequence only provisionally characterised in P01, with current-version check held. |\n\nSource-version safeguards: The original 2002/2016 Scottish Act PDFs and 2017 payment-services PDF are identified as as made/as enacted. The 2013 credit-regulation insertion is not masquerading as the current RAO. The FCA web interface displayed no populated “as of” date even where it supplied dated updates, so this report states the observed last-update dates rather than asserting that a historical date-picker selection was made. Statutory amendments, commenced dates, future-dated versions, repealed regulation 13, and inaccessible consolidations are not conflated.\n\n## 9. Atomic claim register\n\nClaim ID prefix: `C_SC-P01-C`. A row labelled `C001` therefore means `C_SC-P01-C001`. References to `S` identifiers point to the complete direct-URL register above.\n\nConfidence notation:\n\n- H: relevant operative body and/or matching current regulator text actually read; no case-specific entitlement inferred.\n- M: material text read, but an amendment, secondary predicate, original-enactment limitation or fact-specific application remains to be checked.\n- L: source-access or version limitation prevents a definitive claim; any assertion is expressly bounded.\n\nAll claims concern Scotland with applicable UK legislation, assessed at the 26 October 2026 access date, unless a narrower date is stated.\n\n### C001–C028 — UK activity, debt, actor and exemption tests\n\n| Claim | Atomic legal assertion, predicates and adverse branch | Exact sources and confidence |\n| --- | --- | --- |\n| C001 | FSMA s19(1) prohibits a person from carrying on or purporting to carry on a regulated activity in the UK unless authorised or exempt; the precise activity, person and territorial test must first be established. | S001 §19(1). H |\n| C002 | FSMA s22(1), (1A) requires an activity specified by order by way of business in relation to the specified subject matter. A paid label or a free first appointment does not alone determine this statutory question. | S002 §22(1), (1A); S018 PERG 2.3. H |\n| C003 | An applicable UK FSMA authorisation/exemption and Scottish DAS approved-adviser status derive from different legal instruments; proof of one is insufficient proof of the other. | S001 §19; S029–S033 regs7–10. H, logical legal distinction |\n| C004 | Negotiating with a lender on a borrower's behalf to discharge a debt due under a credit agreement is specified debt adjusting. Independent creditor settlement can meet RAO 39D(1)(a). | S007 art39D(1)(a). H |\n| C005 | Taking over the borrower's credit-debt obligation in return for borrower payments, or a similar activity liquidating such debt, falls within 39D(1)(b)–(c). Mere technical payment forwarding must be separately characterised. | S007 art39D(1)(b)–(c). H |\n| C006 | RAO 39D(2)(a)–(c) separately covers corresponding debt-adjusting conduct for obligations arising under a consumer hire agreement and its hirer/owner relationship. | S007 art39D(2). H |\n| C007 | Giving a borrower advice about liquidation of debt under a credit agreement, or a hirer under consumer hire, is the RAO 39E counselling activity; it can concern future contractual payments, not only defaults. | S016 art5 inserted 39E; S017 PERG 17.1 Q1.2, 17.2 Q2.1, 17.3 Q3.1–3.2. H |\n| C008 | Advice about a particular borrower and debt that guides the debtor's action can be 39E counselling; impersonal neutral information normally is not. A personalised web decision tree is not exempt simply for being automated. | S017 PERG 17.4 Q4.1 and 17.5 Q5.1–5.5. H |\n| C009 | If integrated debtor advice covers both qualifying credit debts and other debts, it can still constitute regulated counselling; non-credit debts in the same recommendation do not automatically strip out 39E. | S017 PERG 17.3 Q3.3. H |\n| C010 | RAO adjusting/counselling concern credit agreements and consumer hire whether the agreement is itself regulated or not; an isolated non-credit public liability is not thereby a credit agreement. The particular underlying instrument decides. | S014 art60B(3); S022 CONC 8.1.4G; S017 PERG 17.3 Q3.3. H for distinction; M for unsupplied contracts |\n| C011 | Steps taken to procure payment of a debt in the RAO's defined creditor-side agreements can constitute 39F debt collecting; this does not automatically authorise giving debtor-side 39E advice. | S008 art39F(1)–(4); S016 art5. H |\n| C012 | Performing duties or exercising/enforcing lender/owner rights under the defined credit/hire agreements can constitute 39G debt administration; not every administration of a debtor's private plan qualifies. | S009 art39G(1)–(4). H |\n| C013 | Qualifying introductions related to new credit or consumer hire may constitute credit broking under 36A; referral to a debt-advice business alone does not prove the same act. | S013 art36A(1), (3), (4). H for defined activity; M for unidentified referral |\n| C014 | The legal effect of software outputs turns on personalised debt advice and control, not the fact that a machine generates them; “information only” terms cannot override the substance. | S017 PERG 17.4–17.7. H as FCA perimeter interpretation |\n| C015 | RAO 60B(3) uses a credit-agreement definition involving an individual or relevant recipient of credit; entity form, partnership composition and exemptions must be established before classifying business borrowing. | S014 art60B(3), related Chapter 14A definitions. H definition; M unspecified structures |\n| C016 | A guarantor/third-party payer is not automatically the borrower addressed by 39E. 39M's additional guarantee-related consumer rules concern specified 39F/39G contexts, not a universal rewrite of 39E. | S015 art60L; S016 inserted art39M(1)–(3); S017 PERG 17.4 Q4.2. H |\n| C017 | Amended RAO 39J excludes defined mortgage/home-purchase debt activities to the extent the same conduct constitutes another Part II regulated activity; it is not an exclusion of every mortgage-related negotiation. | S010 art39J, substituted by SI 2014/366. H |\n| C018 | 39H contains agreement-connection exclusions for specified lenders/owners/suppliers and other qualifying persons. An independent debt collector, assignee or service provider must prove the exact connection and later-amendment position. | S016 inserted 39H(1)–(5); S020 PERG 2.8.7C(1)–(3); S049 current access failure. M, special exceptions unresolved |\n| C019 | A constitutionally qualifying not-for-profit body carrying on 39D/39E or 89A activities regularly is deemed to carry them on by way of business under business-order 3E; a body doing the activity only occasionally is excepted from that deeming provision. | S016 art13 inserted 3E(1)–(4); S018 PERG 2.3. H for inserted text; M any later unreviewed amendment |\n| C020 | RAO 72G(3) provides a local-authority capacity exclusion for arts39D–39G; a contractor or separate subsidiary cannot invoke the authority's status without meeting the exact text. | S011 art72G(3), (3A); S016 art14 Sch para47 amendment. H for direct local-authority branch |\n| C021 | Legal/professional exceptions are capacity restricted: RAO 39K for advocacy/litigation activities and FSMA 327 only where designated-professional-body, incidental-service, reward and other conditions hold. A Scottish solicitor/accountant title alone is insufficient. | S004 §327(1)–(9); S016 inserted 39K(1)(c); S020 PERG 2.8.7C(5); S050. H s327; M exact updated 39K wording |\n| C022 | RAO 72H(1)–(2) excludes 39D–39G acts performed while acting as an IP; 72H(3) covers 39D/39E in reasonable contemplation of appointment, not all outside consulting. | S012 art72H(1)–(3). H |\n| C023 | Insolvency Act 388(2)(a)–(b) identifies a trustee/interim trustee in Scots sequestration and a Scottish trust-deed trustee as persons acting in IP capacity; 388(5) excludes AiB from that statutory description for AiB's separate powers. | S041 §388(2), (5). H |\n| C024 | Insolvency Act 390(1)–(3) requires an individual, appropriate authorisation and appointment-specific security or, in Scotland, caution; excluded-status conditions also apply. A firm's brand or employee title does not satisfy these requirements. | S041 §390(1)–(5). H, exact prescribed caution amount not determined |\n| C025 | Insolvency Act 390A(1)–(3) differentiates full authorisation for company/individual/partnership work from partial individual-only or company-only authority, subject to the recognised body's rules and further partnership restrictions. | S041 §§390A–390B, 391(1). H |\n| C026 | The Exemption Order provides specified role-based relief for an official receiver or judicial factor, and for a person acting as an IP, under the relevant Schedule 52 terms; the identity and actual statutory capacity must be established. | S016 art14 inserting Sch para52(1)–(3); S021 PERG 2.11.2. H original text/regulator; capacity-specific |\n| C027 | FSMA 39 permits relevant appointed-representative activity only with an appropriately authorised principal and the requisite written responsibility arrangement for permitted descriptions; debt adjusting/counselling/collecting/administration were added to designated activities in the 2013 regulations. | S003 §39(1); S016 art15 inserting reg2(1)(ad)–(ag); S026 AR guidance. H |\n| C028 | The Exemption Order Schedule paragraph 40 applies to a defined enterprise scheme and, for specified financial activities, demands absence of direct or indirect pecuniary gain, with reasonable scheme-cost recovery treated differently. It is not a charity-wide exception. | S016 art14(2); S021 PERG 2.11.5; S048 indexed paragraph40. M, full current scheme qualification not body read |\n\n### C029–C053 — Scotland roles, FCA safeguards, territorial and verification findings\n\n| Claim | Atomic legal assertion, predicates and adverse branch | Exact sources and confidence |\n| --- | --- | --- |\n| C029 | The Scottish Debt Arrangement Scheme has a statutory basis in the 2002 Scottish Act and the 2011 DAS regulations; its DPP is a Scottish statutory debt-payment mechanism, distinct from a private plan. | S028 §§1–3; S029 reg7; S039 AiB roles. H |\n| C030 | For Scotland, the identified statutory mechanism names are DAS/DPP, sequestration and Scottish protected trust deed; England/Wales IVA/DRO and Irish DSA/PIA labels do not describe these Scottish statutory routes. | S028 §§1–3; S040 §§49–51, 163–165; S041 §388. H for positively identified Scots routes; not an exhaustive local-products audit |\n| C031 | DAS regulation 7(1)–(2) requires an approved money adviser and sets the specified adviser–debtor association restriction. | S029 reg7(1)–(2). H |\n| C032 | DAS regulation 8(a)–(f) lists six routes to approved-money-adviser status, all subject to regulation 10; organisational association must satisfy the specified route rather than generic charity affiliation. | S030 reg8(a)–(f); S033 reg10. H |\n| C033 | DAS regulation 8A requires a debtor that is a legal person, trust or unincorporated body to use an adviser in the regulation 8(a) qualified-IP category. | S031 reg8A; S030 reg8(a). H |\n| C034 | DAS regulation 10(a)–(g) disqualifies the specified enforcement/debt-collection persons, certain commercial advisers (with listed narrow exceptions), persons with specified convictions/restrictions, and suspended/revoked advisers. | S033 reg10(a)–(g). H |\n| C035 | Individual DAS adviser approval under regulation 9(1)(d) requires a Level 2 disclosure dated less than 12 months before application; SSI 2025/74 effected this amendment on 1 April 2025. | S032 reg9(1)(d), amendment annotation; S038 conflicting older guidance. H |\n| C036 | DAS regulation 11 provides for cessation, suspension/revocation of individual approved-money-adviser status on stated grounds, including applicable compliance arrangements. Status cannot be assumed permanent. | S034 reg11(1), (1A). H |\n| C037 | For an individual DAS adviser under regulation 9, the DAS Administrator evaluates relevant training, fitness, regulation 10 exclusion and appropriate FCA compliance arrangements where applicable; this scrutiny does not itself grant FCA permission. | S032 reg9(1)–(2). H |\n| C038 | DAS regulation 14 establishes a separate approved payments-distributor role, determined by the DAS Administrator against the regulation's conditions. It does not merge with money-adviser approval. | S035 reg14(1), (3)–(7); S039 AiB roles. H |\n| C039 | DAS regulation 15 provides for revocation/removal of payments-distributor approval; designation cannot be inferred merely from collecting monthly debtor payments. | S036 reg15. H |\n| C040 | The former DAS regulation 13 approval provision was revoked effective 4 November 2019; using it as a live 2026 route would be wrong. | S037 reg13 annotations. H |\n| C041 | Under the Scottish Bankruptcy (Scotland) Act 2016, as enacted, ss49–51 impose trustee qualifications/disqualifications and allocate trustee appointment pathways involving qualified persons and AiB. | S040 §§49–51, printed pp36–40, PDF indices46–50. M, enacted-version later amendments not fully checked |\n| C042 | Under the 2016 Scottish Act as enacted, ss163–165 distinguish protected-trust-deed statutory recognition/recording from the qualified trustee role; a private settlement negotiator is not thereby a PTD trustee. | S040 §§163–165, printed pp119–120, PDF indices130–131; S041 §388(2)(b). M, subsequent consolidated provisions held |\n| C043 | FCA limited consumer-credit permission may cover the full defined not-for-profit adjusting/counselling activities; commercial providers cannot assume that entitlement, and actual permission limitations may exclude DMP work. | S023 PDF index1; S024 FCA debt-permission restrictions. H for FCA guidance, M case-specific statutory category |\n| C044 | FCA CONC 10 applies to debt-management firms and to certain not-for-profit advice bodies meeting the specified £1 million client-money historic/projected threshold, subject to express professional-firm application provisions. | S025 CONC 10.1.1R–10.1.2R. H |\n| C045 | CONC 10.2.5R/10.2.8R sets the percentage tiers 0.25%/0.15%/0.05% and £5,000 minimum, subject to its calculation base, projected initial period, higher overlapping rules and recalculation requirements. | S025 CONC 10.2.4–2.14; 10.2.11G. H |\n| C046 | FSMA's UK territorial test is modified by s418 for specified UK management/establishment situations; a nonresident website or foreign client is not by itself dispositive of where regulated activity is carried on. | S001 §19; S005 §418; S019 PERG 2.4.1–2.4.3. H for identified tests; M unknown cross-border facts |\n| C047 | A consumer can distinguish FCA authorised firm, permitted activities/limitations, AR and principal, and mere registered status using official Firm Checker/Register guidance; no listing warrants every service. | S026 public instructions; S027 Register scope; S003 §39. H |\n| C048 | Receiving funds for transfer to creditors without payer/payee accounts can satisfy the money-remittance definition; payment services are a potentially separate authorisation/registration question, subject to current regulations and exclusions. | S047 original PSR 2017 reg2, Sch1 paras1–2, reg138. M, original 2017 only; 2026 consolidated payment gateway not certified |\n| C049 | A breach of FSMA's general prohibition can constitute an authorisation offence under s23(1), subject to statutory elements and defences; the 2014 text also contains the distinct out-of-permission credit-related provision and due-diligence defence. This does not itself establish invalidity of an underlying consumer debt. | S006 dated §23(1), (1A)–(1G), (3)–(5); S052 current fetch failure. M/L for 2026 currency; no private remedy conclusion |\n| C050 | AiB's DAS Register and Register of Insolvencies concern recorded programmes/insolvency events; neither is by itself proof of the professional approval or FCA activity permission of a service provider. | S043 DAS register; S044 ROI; S032 reg9. H |\n| C051 | The government's insolvency-practitioner public search is expressly incomplete; licensing capacity depends on the recognised professional body and statutory criteria, so absence from that search is not conclusive. | S046 public search limitation; S045 regulator/body inventory; S041 §§390–391. H |\n| C052 | Appointment of an IP over an FCA-authorised firm does not automatically extinguish the firm's continuing financial-regulatory status or obligations; FCA and IP professional regulation have different subjects. | S042 FG25/2 introduction and relevant appointment paragraphs. H as FCA published guidance |\n| C053 | FCA CONC 8.2.2G, revised 26 June 2026, identifies differing debt solutions/enforcement between UK countries as material to appropriate debt advice. UK authorisation does not justify importing another country's statutory solution names into Scotland. | S022 CONC 8.2.2G(1)–(3). H |\n\nRegister integrity: `C_SC-P01-C001` through `C_SC-P01-C053` are consecutive. Every entry states an operative or expressly bounded assertion, not merely a source location. Confidence applies to the proposition as written and does not license additional inferences about an unsupplied person, debt agreement or engagement.\n\n## 10. Coverage inventory — all A–G material subissues\n\nCoverage ID prefix: `C_SC-P01-K`. `K-A01` below denotes `C_SC-P01-K-A01`.\nStatus: Answered means a bounded legal gateway finding was made—not that a particular provider has passed it. Partial means at least one material statutory, currency or factual predicate is unresolved. Unresolved means no reliable disposition can be made. Excluded means deliberately outside P01.\n\nThe source and claim references in each row are complete identifiers through the registers above.\n\n### A — Operative perimeter and currency\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-A01 FSMA test | Answered | UK general prohibition and specified business activity: C001–C003; S001–S002. | For an actual provider: legal entity, activity, locus, permission/exemption. |\n| K-A02 Credit-debt negotiation/assumption | Answered | RAO 39D alternatives distinguished: C004–C006; S007. | Obtain real negotiation and payment-obligation terms. |\n| K-A03 Individualised debt counselling | Answered | RAO 39E and particular borrower/debt: C007–C009; S016–S017. | Inspect actual advice/scripts/decision outputs. |\n| K-A04 Creditor collecting versus administration | Answered | Separate 39F and 39G acts: C011–C012; S008–S009. | Identify creditor title, agency and functions under each agreement. |\n| K-A05 Introductions/new lending | Partial | Article 36A potentially applies: C013; S013. | Determine precise introduction, regulated agreement, seller/broker capacity and every relevant 36B/36F exception. |\n| K-A06 Pure information, budgeting, software | Answered, fact-specific | Impersonal information versus tailored steering: C008, C014; S017. | Obtain exact user prompts, outputs and internal decision rules. |\n| K-A07 Fee-free first contact; indirect remuneration | Partial | Business test is substantive, not initial-price-only: C002, C019; S002, S016, S018. | Identify all affiliate commissions, transfers, consideration and frequency; retrieve any further business-order classifications. |\n| K-A08 Nonprofit and occasional work | Answered, with application facts open | Special 3E rule; occasional exception: C019; S016, S018. | Constitution, actual operating frequency and any later amendments not visible in the consolidated 3E endpoint. |\n| K-A09 Regulated versus exempt credit agreement | Answered | 39D/39E can extend to credit agreements exempt from lending regulation: C010, C015; S014, S022. | Review each agreement's statutory borrower, purpose, exempt provision and terms. |\n| K-A10 Sole trader, partnership, company | Partial | 60B and relevant-recipient distinction: C015; S014. | Examine entity form, partner composition and contract; read all relevant recipient/exemption subdefinitions for a real case. |\n| K-A11 Guarantor, joint debtor, third-party payer | Partial | 39M not universally imported into 39E: C016; S015–S017. | Contract signatures, guarantee/indemnity, assignment, discharge obligations, actual advice recipient. |\n| K-A12 Secured, mortgage and hire | Partial | 39D(2) hire and narrowly conditioned mortgage overlap: C006, C017; S007, S010. | Determine mortgage classification and the alternative Part II regulated activity; other secured products remain deferred. |\n| K-A13 Commencement, legacy transition | Partial | Debt-credit regime introduced 2013 and generally operative 1 April 2014: S007, S016. No historical interim permission assumed still operative. | Read the precise 2014 transitional instruments and any provider-specific continued-permission pathway if the facts require it. |\n| K-A14 2025/2026 versions, prospective amendments | Partial | DAS 2025 disclosure update verified; FCA 2026 PERG/CONC updates located; 2026 RAO 72H amendments do not themselves rewrite its debt limbs: C035, C053; S012, S019, S022, S032. | Retrieve blocked current 39H/39K; test unincorporated-body and profession amendments where relevant; do not apply PERG's 2027 future version. |\n\n### B — Actor and exemption classification\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-B01 Commercial debtor-side firm | Answered | 39D/39E and permission test: C001–C007, C043; S001–S002, S007, S024. | Contract and actual FCA permission restrictions. |\n| K-B02 Charity/nonprofit/free adviser | Answered, application facts open | Constitutional/business-order 3E and possible limited permission: C019, C043; S016, S023. | Legal constitution and activity/permission, not merely charity status. |\n| K-B03 Local authority/public adviser | Answered, restricted capacity | RAO 72G and DAS reg8(e): C020, C032; S011, S030. | Whether the actual contracting employer/person is the local authority or another body. |\n| K-B04 Scottish solicitor/advocate | Partial | Litigation/advocacy exclusion and conditional professional exemption: C021; S004, S016, S020, S050. | Obtain fully updated 39K and the relevant designated professional-body permissions/rules; establish actual litigation/incidentality. |\n| K-B05 Accountant/other professional | Partial | FSMA 327 predicates, no title-only exception: C021; S004. | Verify designated-body oversight, client accounting for benefits, incidental nature and any separately regulated activity. |\n| K-B06 Creditor's own negotiation/collection | Partial | 39H agreement-connection exclusions: C018; S016, S020, S049. | Read precise current exception including special debt-collection branches and title under contract. |\n| K-B07 Debt buyer/servicer/collector | Partial | Ownership versus independent 39F/39G and separate 39E: C011–C012, C018; S008–S009, S016. | Chain of assignment, servicing scope, who may enforce and who advises whom. |\n| K-B08 Referrer and software supplier | Answered, fact-specific | 36A/new credit, 39E/personal steering: C008, C013–C014; S013, S017. | Obtain referral and algorithm/decision outputs and actor identities. |\n| K-B09 Payment-only operator | Partial | PSR money-remittance second gateway and DAS distributor route: C038, C048; S035, S047. | 2026 consolidated PSR/exclusions, actual control of funds and statutory capacity. |\n| K-B10 IP, judicial factor, court-appointed person | Partial | Statutory appointments, 72H and Exemption Order Schedule 52: C022–C026; S012, S016, S041. | Actual appointment and any other court-appointed person's precise legal provision; no all-court-officers blanket exemption. |\n| K-B11 Appointed representative | Answered, scope-dependent | Written principal responsibility and prescribed debt activities: C027; S003, S016, S026. | Exact AR principal agreement, effective status, regulated activity and restriction. |\n| K-B12 Enterprise scheme, tracer, process server | Partial | Narrow enterprise exemption identified; limited tracing/process-service exemptions described by FCA: C028; S016, S021, S048. | Read complete current Schedule 40 definition and, if invoked, precise Schedule 54/54A tracing/process-serving predicates. |\n\n### C — Authorisation, registration and gateway safeguards\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-C01 Direct FCA/full permission | Answered | Legal entity and activity/restrictions control: C001, C043, C047; S001, S024, S026–S027. | Exact Part 4A permission wording and status date. |\n| K-C02 Limited consumer credit/not-for-profit | Answered, application-specific | Defined not-for-profit limited-permission possibility: C019, C043; S016, S023. | Constitution, application category and actual permission; not a grant by implication. |\n| K-C03 AR versus principal/individual | Answered | Written responsibility and prescribed scope: C027, C047; S003, S016, S026. | Legal entity/individual capacity, principal and contract. |\n| K-C04 Professional conditional exemption | Partial | FSMA 327 and RAO 39K: C021; S004, S016, S020. | Designated body's present supervisory rules, incidental test and exact legal-services conduct. |\n| K-C05 Insolvency full/partial licence and caution | Answered, amount unresolved | C023–C025; S041, S045. Appropriate individual authorisation and Scottish security/caution required. | Licensed category, professional body, prescribed amount/form of caution, specific appointment. |\n| K-C06 DAS adviser approval | Answered | Regulation 8 categoric or reg9 individual route; exclusions: C031–C037; S029–S034. | Particular worker's evidence of route/approval and continuing good standing. |\n| K-C07 DAS payments-distributor approval | Answered | Separate reg14 and reg15: C038–C039; S035–S036. | Particular distributor's approval and current conditions. |\n| K-C08 FCA prudential financial safeguard | Answered, scope-dependent | CONC10 formula, application and two calculations: C044–C045; S025. | Firm category, accounting date, relevant debts, client-money threshold and overlapping rule. |\n| K-C09 Application fees, PII, bonds, funds | Partial | Scottish IP caution established, numeric amount not; FCA prudential is not PII or protected customer funds: C024, C044–C045; S025, S041. | Retrieve current prescribed insolvency caution, professional PII, exact FCA gateway financial requirements and official fee schedules before making amounts or equivalences. |\n| K-C10 Transition, exemption, approval permanence | Partial | Revocation routes and repealed DAS reg13 established: C036, C039–C040; S034, S036–S037. | Historical interim FCA permissions and any saved statuses; time-specific source of authority for a legacy firm. |\n\n### D — Territorial and professional nexus\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-D01 Scotland business/Scottish clients | Answered | UK FSMA applies through s19 and Scottish DAS/trustee law separately: C001, C029–C030, C046; S001, S028, S040. | Provider activity, not residence alone. |\n| K-D02 Provider from another UK nation advising Scots | Answered, fact-specific | UK authorisation plus local-solution competence: C046, C053; S019, S022. | Exact FCA permissions and Scottish debt-solution knowledge. |\n| K-D03 Scottish provider advising outside UK | Partial | UK business may still exist under s418: C046; S005, S019. | Location of each performance element and foreign-law applicability. |\n| K-D04 Foreign provider advising Scots | Unresolved for a particular model | Section 418 establishes conditional UK-extension branches but no online-only bright line: C046; S005, S019. | Establishment, UK agents, management, contracts, jurisdictional exemptions, foreign home regulation. |\n| K-D05 Telephone, marketing, website, referral nexus | Partial | Classification depends on conduct and location; no automatic remote safe harbour: C008, C013–C014, C046; S013, S017, S019. | Actual workflow, caller location, decision location, marketing activity, territorial facts. |\n| K-D06 Scots mechanisms versus foreign recognition | Answered for boundary; excluded for recognition | Distinct Scots statutory gateways: C029–C030, C041–C042; S028, S040. | A098 separate choice-of-law/recognition/asset analysis, explicitly deferred. |\n\n### E — Read-only registers and evidence\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-E01 FCA firm/permission tools | Answered | Official checking instructions and classes: C043, C047; S026–S027. | Hypothetical consumer would compare legal entity + activity + restrictions + date. |\n| K-E02 AR/principal verification | Answered | C027, C047; S003, S026. | Principal's identity, written acceptance and scope; ordinary listing is not enough. |\n| K-E03 DAS adviser/distributor proof | Partial | Regulations identify competent DAS Administrator: C032, C035, C038; S030, S032, S035, S039. | Public comprehensive approved-adviser directory not established; request documentary approval evidence in a hypothetical future case rather than treating DAS debtor register as adviser proof. |\n| K-E04 IP professional search | Answered, limitation noted | Recognised bodies/licence test and incomplete government list: C024–C025, C051; S041, S045–S046. | Official authorising-body status and any limitation for actual individual; no person searched. |\n| K-E05 DAS debtor/insolvency registers | Answered | Both have limited record purposes: C050; S043–S044. | Do not use individual debtor entries to infer provider authorisation. |\n| K-E06 Documents and negative inference | Answered as verification design | Legal person, credit agreement, service, compensation, payments and role must match C001–C027, C047–C051; S001–S027, S041–S047. | Actual contracts/permission documents absent; no provider or settlement result verified. |\n\n### F — Separate Scottish statutory practitioner boundaries\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-F01 DAS/DPP adviser | Answered | Statutory approval distinct from private creditor negotiation: C029, C031–C037; S028–S034. | Programme procedure intentionally deferred. |\n| K-F02 Legal-person DAS debtor | Answered | IP-category adviser under reg8A: C033; S030–S031. | Entity form/actual IP classification for a real case. |\n| K-F03 Scottish sequestration trustee | Partial | IP/AiB capacities identified: C023–C025, C041; S040–S041. | Updated 2016 Act provisions, appointment and full sequestration mechanics later. |\n| K-F04 Protected-trust-deed trustee | Partial | Trustee qualification and protected status separated: C023–C025, C042; S040–S041. | Later statutory amendments and full PTD process separately. |\n| K-F05 Exclusion of non-Scots mechanism labels | Answered for classification | Scottish names positively located: C030; S028, S040–S041. | No import of IVA/DRO/DSA/PIA rules; country comparisons excluded. |\n\n### G — Scenarios, costs and consequences\n\n| Coverage | Status | Finding and claim/source cross-reference | Exact missing evidence or next retrieval |\n| --- | --- | --- | --- |\n| K-G01 Bounded decision scenarios | Answered | Six hypotheticals G1–G6 cover commercial, nonprofit, IP, online/AR, creditor-side and DAS distributor/entity: C001–C048; S001–S047. | Each lists its own missing documents and check; no real entity tested. |\n| K-G02 Numeric safeguards | Answered | Two fully computed CONC10 examples, £5,000 and £20,000: C044–C045; S025 §§10.2.5–10.2.11. | Individual firm's accounting base; no asserted consumer payout or agency charge. |\n| K-G03 Unauthorised activity consequences | Partial | FSMA s23 offence elements located in dated source; no automatic debt-invalidity claim: C049; S006, S051–S052. | Current full s23 text, all defences/procedure and s26 onward before any remedy conclusion. |\n| K-G04 General reader opportunity questions | Answered as questions only | FCA and DAS distinctions support the neutral questions below: C008, C016, C021, C027, C033, C043, C048; S004, S017, S023, S030–S032, S047. | No website, tool, provider matching or actual advice workflow implemented. |\n\n## 11. H — Complete visible deferred-work inventory\n\nCoverage IDs: `C_SC-P01-K-H01` through `C_SC-P01-K-H38`.\n\nEvery row is deferred and unanswered on its merits, even when a P01 source supplies useful context. The final column states the precise question for a separately authorised investigation. References to earlier claims identify gateway context only, not acceptance of the deferred topic.\n\n### H01–H10 — Consumer economics, contracts and conduct\n\n| Coverage | Status and P01 boundary | Exact next research question |\n| --- | --- | --- |\n| K-H01 Fee earning/commission models | Deferred; business classification only, C002, C019; S002, S016. | Which Scottish/UK rules permit or restrict direct debtor fees, creditor payments, commissions and indirect referral benefits for each provider class? |\n| K-H02 When fees may be earned or collected | Deferred; FCA prudential resources are not fees, C044–C045; S025. | What advance-fee prohibitions, milestone-based charging rules and payment-timing restrictions actually apply to each debt-management or adviser service? |\n| K-H03 Fee caps and amounts | Deferred; no consumer-fee amount accepted. | Are any price ceilings, prescribed percentages, actual-cost limitations or charging prohibitions in force for private negotiations, statutory advisers and particular debts? |\n| K-H04 Cancellation and cooling-off | Deferred. | What contract cancellation rights, notices, cooling-off periods and service-specific exceptions apply to remote, telephone and in-person Scottish engagements? |\n| K-H05 Refunds and failed programmes | Deferred. | When must charges be returned for cancellation, termination, failed creditor negotiation, misrepresentation or failure to perform? |\n| K-H06 Contract formation and required terms | Deferred; authority is distinct from contract validity, C001, C049; S001, S051. | Which written agreements, consents, authorities, disclosure terms, duration, termination provisions and enforceability rules apply? |\n| K-H07 Pre-contract and continuing disclosures | Deferred; preliminary CONC 8 applicability only, C007, C043; S022. | What must be disclosed about cost, risk, alternatives, creditors, credit impacts, missed payments, insolvency and expected performance? |\n| K-H08 Advice suitability, affordability and vulnerable customers | Deferred; territorial guidance noted, C053; S022. | What exact FCA/Scottish standards, records and special protections govern suitability, affordable budgets, conflicts and vulnerable borrowers? |\n| K-H09 Advertising, lead generation and referral conflicts | Deferred; activity classification only, C013–C014; S013, S022. | What financial-promotion, consumer-advertising, referral disclosure, incentive and steering rules apply to paid and free leads? |\n| K-H10 Data, privacy, recording and marketing permissions | Deferred. | What UK GDPR, Data Protection Act, PECR, telephone consent, recording, sensitive-information and retention requirements apply to each workflow? |\n\n### H11–H20 — Funds, redress, private arrangements and debt records\n\n| Coverage | Status and P01 boundary | Exact next research question |\n| --- | --- | --- |\n| K-H11 Client-money holding and reconciliation | Deferred; payment-flow classification only, C048; S047. | Which FCA/client-money or other statutory rules govern receiving, segregating, reconciling, investing and returning debtors' funds? |\n| K-H12 Payment-services authorisation and safeguarding | Deferred; only original PSR gateway identified, C048; S047. | What 2026 consolidated payment-services permissions, exemptions, small-institution conditions, safeguarding and insolvency protections apply to each funds-flow model? |\n| K-H13 Professional client accounts, trust funds and insolvency monies | Deferred; IP caution ≠ client money, C024; S041. | What Scottish solicitors' accounts rules, professional PII, statutory trustee-money obligations and beneficial-ownership rules apply to funds? |\n| K-H14 Consumer complaints and regulator/private redress | Deferred; official status-check limitations only, C047; S026–S027. | Which complaint recipient, Financial Ombudsman jurisdiction, Financial Services Compensation Scheme conditions and compensation exclusions apply by service and status? |\n| K-H15 Regulatory action and professional discipline | Deferred; general prohibition classification only, C049; S006. | Which FCA, DAS Administrator, AiB and recognised-professional-body powers, sanctions, publication and appeal routes apply to each violation? |\n| K-H16 Contract validity, restitution, damages and injunctions | Deferred; s26 body not obtained, S051. | What do current FSMA §§26–28, other relevant statutes and Scottish private law actually provide for contracts and consumer remedies after unauthorised activity? |\n| K-H17 Informal debt-management products and consolidation | Deferred; private versus statutory distinction only, C029–C030; S028. | What are the legal characteristics of informal DMPs, individual settlements, refinancing, consolidation and secured restructuring, including creditor-consent limits? |\n| K-H18 Debt collection, validation and disputes | Deferred; only the provider's 39F classification is answered, C011; S008. | What can Scottish debtors require or contest concerning creditor identity, assignments, amount, statements, evidence, collection conduct and dispute handling? |\n| K-H19 Prescription, limitation and revival | Deferred. | Which Scottish prescriptive periods and interruption/relevant-claim/acknowledgment rules apply by debt type, judgment and payment history? |\n| K-H20 Credit reporting | Deferred. | How must defaults, arrears, settlements, partial settlements, insolvencies and corrections be recorded, retained, challenged and removed? |\n\n### H21–H30 — Courts, enforcement, protected assets and priority debts\n\n| Coverage | Status and P01 boundary | Exact next research question |\n| --- | --- | --- |\n| K-H21 Courts, jurisdiction and service | Deferred. | Which Scottish court or tribunal hears each debt claim, and how do citation/service, jurisdiction, representation and procedural requirements operate? |\n| K-H22 Default decisions, decrees, recall and appeals | Deferred. | How are undefended claims, decrees, recalls, challenges and appeals processed; what consequences follow, by procedure? |\n| K-H23 Enforcement and diligence | Deferred. | What are the rules for Scottish attachment, earnings arrestment, bank arrestment, inhibition, exceptional attachment and other diligence, including notice and challenge? |\n| K-H24 Exempt income, goods, homes and other property | Deferred. | Which income, benefits, wages, household goods and asset interests are protected from each creditor remedy or insolvency process? |\n| K-H25 Secured lending, mortgages and repossession | Deferred; RAO 39J classification only, C017; S010. | Which security, default, pre-action, repossession, shortfall, ranking and home-protection rules govern Scottish mortgage and secured arrears? |\n| K-H26 Rent and tenancy arrears | Deferred. | What are the separate protections and court/tribunal routes for private, social and other Scottish tenancies, including eviction and repayment agreements? |\n| K-H27 Medical, utilities, telecom and service debts | Deferred. | Which category-specific collection, disconnection, billing-dispute, hardship and public-service obligations apply? |\n| K-H28 Family support, maintenance, fines and penalties | Deferred. | Which child/spousal maintenance, criminal fines, penalties and other statutory liabilities have special collection priority or enforcement rules? |\n| K-H29 Tax, council tax, government and other public debts | Deferred. | Which HMRC, Revenue Scotland, local-authority, overpayment and other public-debt procedures permit arrangements, deductions, disputes or special enforcement? |\n| K-H30 Public financial assistance and free help | Deferred; local-authority/DAS adviser categories only, C020, C032; S011, S030. | What actual benefits, grants, hardship funds, public debt-advice availability and eligibility pathways exist in Scotland, and who may access them? |\n\n### H31–H38 — Full Scottish processes and international/other scope\n\n| Coverage | Status and P01 boundary | Exact next research question |\n| --- | --- | --- |\n| K-H31 Complete DAS/DPP procedure | Deferred; adviser/distributor gateway only, C029–C040; S028–S039. | What are all current debtor eligibility rules, joint/entity routes, application steps, forms, creditor consideration, protections, variations, revocation, distribution fees and completion consequences? |\n| K-H32 Complete sequestration/bankruptcy | Deferred; trustee qualification only, C023–C025, C041; S040–S041. | What are the current award, creditor/debtor application, Minimal Asset Process and other branches, forms, costs, protected assets, contributions, tax, discharge and review rules? |\n| K-H33 Complete protected trust deeds | Deferred; trustee and statutory naming only, C023–C025, C042; S040–S041. | What are the current PTD eligibility, trustee obligations, creditor-consent/protection, forms, fees, distributions, termination and discharge consequences? |\n| K-H34 Other business/partnership insolvency and guarantor interaction | Deferred; 390A licence scope and 8A entity adviser distinction only, C015–C016, C025, C033; S014–S016, S031, S041. | Which actual Scottish and UK regimes govern company, partnership, sole trader and guarantor obligations, without importing consumer routes? |\n| K-H35 A098 foreign currencies and payment conversion | Deferred. | Which currency, exchange-rate, payment-location and conversion rules control a cross-border debt or settlement, and when? |\n| K-H36 A098 choice of law, jurisdiction, judgments and recognition | Deferred; territorial FSMA classification only, C046; S005, S019. | Which law governs each debt/contract, which court has jurisdiction, and how are Scottish or foreign judgments/insolvencies recognised and enforced? |\n| K-H37 A098 foreign assets, creditor location and moving abroad | Deferred. | How do overseas assets, a debtor's relocation, creditor residence and differing insolvency systems affect enforcement, participation and protection? |\n| K-H38 All other local, sector, contract, profession and country questions | Excluded from P01. | Commission separate investigations of Scottish sector-specific law, local practice, professional indemnity/disciplinary rules, statutory interpretation and each other country or UK jurisdiction on its own primary authority. |\n\nNo H row is deemed resolved because an adjacent FSMA, DAS or IP gateway provision was discussed. Consumer pricing, creditor rights and financial outcomes all remain separate research components.\n\n## 12. Reader-useful questions supported by P01\n\nThese are neutral educational questions justified by the perimeter evidence, not a website specification or individual recommendation:\n\n1. “Is this person giving me general debt information or advice about my particular debt?” — C007–C009; S017.\n2. “Does the company have FCA permission for debt counselling, debt adjusting, or just another credit activity?” — C004, C007, C043, C047; S007, S017, S024, S026.\n3. “If the service is free, why might the adviser still need authorisation?” — C019; S016, S018.\n4. “Is the person helping with a private repayment plan or a Scottish statutory DPP?” — C029–C033; S028–S031.\n5. “Does this particular adviser qualify for my kind of DAS application?” — C032–C035; S030–S033.\n6. “Is a solicitor or insolvency practitioner acting in their exempt professional role or selling a separate settlement service?” — C021–C025; S004, S012, S041.\n7. “Who actually holds my repayments, and what permission covers that service?” — C038, C048; S035, S047.\n8. “Does a register show the correct legal person and exact service, or merely some kind of registration?” — C027, C043, C047, C050–C051; S026–S027, S043–S046.\n\nThese questions can help a Scottish reader understand what evidence to request. They do not independently verify any provider or establish the suitability of a debt solution.\n\n## 13. Unresolved evidence, currency and publication holds\n\nThe following holds are material and must accompany any reuse of the research.\n\n| Hold | Reason | What would close it |\n| --- | --- | --- |\n| SC-HOLD-01 — RAO 39H | Consolidated article 39H body access failed. Original 2013 insertion and current FCA explanation were read, but special later creditor/debt-collection exceptions were not reconciled word by word. | Current operative article including amendments, savings and relevant effective dates. |\n| SC-HOLD-02 — RAO 39K | Original Scottish solicitor and advocacy limbs were read; current FCA summary was read; the complete amended consolidated provision was not retrievable. | Current art39K and relevant legal-profession/regulated legal-services amendments. |\n| SC-HOLD-03 — enterprise exemption | Exemption Order para40 current body was unavailable, despite a body-read amending text and current FCA guidance. | Current paragraph 40, full scheme definition and all conditions. |\n| SC-HOLD-04 — offence/remedy currency | FSMA s23 body was available only at a 2014 dated endpoint; current s26 body failed. | Present s23 and §§26–28 plus their relevant amendments, before stating any current criminal penalty or civil consequence. |\n| SC-HOLD-05 — payment services | The 2017 as-made Payment Services Regulations were read; subsequent amendments and all relevant exclusions were not reconciled for 2026. | Current PSR compilation, firm category, money-flow facts and applicable FCA guidance. |\n| SC-HOLD-06 — Scottish 2016 Act | Original enacted Scottish Act PDF read for limited trustee/PTD boundary; not all later amendments or commencement details were audited. | Current provisions 49–51 and 163–165, their amendments and transitional application by appointment/deed date. |\n| SC-HOLD-07 — statutory adviser evidence | No complete public DAS adviser-approval directory was established; DAS debtor records are not a substitute. | Verified official public approval-evidence method and precise status definition, without querying a real person in this pass. |\n| SC-HOLD-08 — professional authorisation | No specific IP, solicitor, accountant or firm was examined. Full relevant professional PII, Scottish caution amounts and supervision rules not exhaustively read. | Applicable present authorising-body rules and actual documents for a bounded hypothetical actor. |\n| SC-HOLD-09 — legacy providers | Original 2013/2014 transition located but full historic interim permission/savings were not reconstructed. | Transition instruments plus exact service dates, necessary only for a defined legacy-provider question. |\n| SC-HOLD-10 — customer/debt facts | No contracts, fee flows, debt schedules, guarantee instruments or private analytics were supplied or accessed. | Verified case-specific documents in a separately authorised application; no assumptions in P01. |\n| SC-HOLD-11 — other Scots practice | No judicial case was relied on for a contested holding, and no full Scottish case-law/citator search was attempted. | Material published primary decisions with posture, holdings, later-treatment qualifications where the next narrow component needs them. |\n| SC-HOLD-12 — jurisdictional completion | This is not a review of Scotland's entire debt law, England/Wales, Northern Ireland, Ireland or other countries. | Separate owned country and component investigations; no cross-adoption by assumption. |\n\nImportant source conflict resolved for P01: DAS regulation 9(1)(d), as amended with effect from 1 April 2025, takes precedence over an inconsistent description in AiB guidance. An applicant relying on the guidance's older certificate wording would need to check the current statutory Level 2 disclosure requirement. legislation.gov.uk+1\n\nImportant 2026 update distinction: The returned RAO 72H annotation shows 2026 amendments concerning cryptoassets and targeted support. They do not, merely by appearing in 72H, establish a new general debt-adjusting or counselling authorisation route. The specific 39D/39E provisions and their exclusions remain the appropriate tests. legislation.gov.uk\n\n## 14. Final self-check and disposition\n\n# 52\n\nVisible sources and access records# 53\n\nAtomic claims# 95\n\nCoverage rows# 6\n\nB​ounded hypothetical workflows### Arithmetic and completeness reconciliation\n\n| Register | Reconciliation | Result |\n| --- | --- | --- |\n| Sources | S001–S047 47 body-read, S048 1 index-only, S049–S052 4 failed-current-text records | 52, consecutive |\n| Claims | C001–C028 28, C029–C053 25 | 53, consecutive |\n| A coverage | K-A01–K-A14 | 14 |\n| B coverage | K-B01–K-B12 | 12 |\n| C coverage | K-C01–K-C10 | 10 |\n| D coverage | K-D01–K-D06 | 6 |\n| E coverage | K-E01–K-E06 | 6 |\n| F coverage | K-F01–K-F05 | 5 |\n| G coverage | K-G01–K-G04 | 4 |\n| Deferred H coverage | K-H01–K-H38 | 38 |\n| Total coverage | 14 + 12 + 10 + 6 + 6 + 5 + 4 + 38 | 95 |\n| Hypothetical actor workflows | G1–G6 | 6 |\n| Sourced quantitative safeguard computations | Q1 £1m relevant debts; Q2 £10m relevant debts | 2, both from CONC 10 |\n| Actual real-provider/person/consumer searches | None | 0 |\n| Filings, contacts, purchases, applications or site changes | None | 0 |\n\nThe actual arithmetic for the two prudential computations is internally consistent:\n\n- Q1: £1,000,000 × 0.0025 = £2,500; applying the £5,000 floor yields £5,000.\n- Q2: (£5,000,000 × 0.0025) + (£5,000,000 × 0.0015) = £12,500 + £7,500 = £20,000.\n\n### Disposition\n\nNarrow original research completed Currentness holds recorded Parent and A097/A098 acceptance held\n\nThis investigation supports a bounded Scotland provider-authorisation classification, particularly the separation of:\n\n- UK FSMA/RAO activity permission;\n- Scottish DAS approved money-adviser status;\n- separate DAS payments-distributor approval; and\n- qualified Scottish sequestration/PTD practitioner capacity.\n\nIt does not certify a named provider's authority, a debt solution's merits, complete 2026 consolidated law for every excluded actor, a consumer contract's validity or any right to relief. It has not been independently reviewed; no England/Wales or other country pass was used as authority. The broader Scotland country dossier remains unlaunched, and parent/A097/A098 acceptance remains held.\n\nEND C_SC PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["What the provider actually does","Primary test","Conclusion and adverse branch"],["Negotiates a Scottish debtor's credit-card settlement directly with the lender","RAO 39D(1)(a)","Potential debt adjusting. A percentage fee is not an element that must appear in the definition; business and permission tests follow. C004"],["Assumes the debtor's repayment obligation in exchange for debtor payments","39D(1)(b)","Expressly included for qualifying credit debts. Merely forwarding funds is a different factual model and may raise payment-services questions. C005"],["Performs similar work to liquidate that credit debt","39D(1)(c)","Potential adjusting; actual contract, authority and operations matter. “Administration” as a label does not remove it. C004–C005"],["Negotiates or assumes obligations arising under consumer hire","39D(2)(a)–(c)","Parallel adjusting perimeter for qualifying hirer/owner relationship. C006"],["Tells a particular borrower which repayment, rescheduling or insolvency option to pursue","39E(1); FCA PERG 17.2–17.7","Potential debt counselling where a credit agreement is implicated. This can be implicit steering, not just an express recommendation. C007–C009"],["Publishes general, neutral explanations accessible to everyone","PERG 17.4 Q4.1; 17.5","Generally not 39E counselling merely from publication. A personalised decision tree may cross the boundary. C008"],["Calculates a budget without recommending a course for a particular credit debt","39E and PERG 17.5","Classification depends on output and context; not all budgeting is regulated counselling. C008"],["Advises on credit cards and council-tax arrears together","PERG 17.3 Q3.3","The integrated advice may be regulated even though council tax itself is not a credit agreement. Do not remove the credit-debt part from the analysis. C009–C010"],["Collects a lender's or debt owner's credit arrears for that creditor","39F","Potential debt collecting, a creditor-side activity, with separate connection-to-agreement exclusions. It does not answer whether the same firm may advise a debtor. C011, C018"],["Exercises or performs a lender's contractual rights and duties","39G","Potential debt administration in that lender/owner capacity. A debtor-side payment plan is not automatically 39G. C012"],["Introduces a person to a new consolidation loan","36A","Potential credit broking, subject to the precise introduction and exceptions. Introducing someone only to a debt-help provider is not automatically 36A. C013"],["Operates software that selects a debt solution for a named user","39E; PERG 17.5 Q5.5","Algorithmic delivery does not immunise personalised advice. The software operator and any human adviser each require role analysis. C008, C014"],["Receives debtors' money solely to transmit it to creditors","Payment Services Regulations 2017, regulation 2 and Schedule 1","Potential additional payment-services gateway; it cannot be inferred away from a debt-adjusting permission. Present-day payment-services amendments and exclusions remain a specific verification hold. C048"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Gate result"],["Individual's personal card, instalment loan or relevant consumer-hire debt","Core case potentially within 39D/39E, subject to the agreement and actor tests. C004, C007"],["Sole trader's borrowing","Being for business does not alone place every borrowing outside “credit agreement.” Examine RAO 60B and the exemptions; even an agreement exempt from regulated lending may remain relevant to 39D/39E. C010, C015"],["Two- or three-person partnership / qualifying unincorporated association","“Relevant recipient of credit” can bring some non-individual structures into the definition. The exact partnership composition and contract are essential. C015"],["Incorporated company's own ordinary borrowing","Not ordinarily the “individual or relevant recipient of credit” in 60B(3). No universal conclusion for all corporate/guarantee arrangements or other legal gateways. C015–C016"],["Guarantor, indemnifier or third-party payer","A guarantor is not automatically the borrower receiving 39E advice. The RAO's additional consumer definition in 39M for 39F/39G must not be silently transplanted to 39E. Check who owes what under the instrument. C016"],["Joint borrowers","Each contracting borrower's identity and obligations matter; one client's instruction does not prove authority to act for the other. C016"],["Debt not yet in arrears","FCA PERG 17.3 Q3.2 includes existing obligations to pay in the future; default is not required for counselling. C007"],["Council tax, rent, public fines or tax only","These are not automatically debts under a RAO credit agreement. Other law and a mixed-credit-debt interaction remain possible. C010"],["Secured/mortgage obligations","RAO 39J, as amended, only excludes the debt activities to the extent the conduct is another specified regulated activity concerning a regulated mortgage contract/home purchase plan. Mortgage permissions may therefore be separately relevant. C017"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or capacity","Actual boundary and authority","Missing/adverse branch"],["Commercial debtor-side negotiator","Articles 39D/39E; FSMA 19/22. Ordinarily requires a relevant FCA Part 4A permission, properly scoped appointed representation or genuine exemption. C001–C007","A collection-only, credit-broking-only or restricted permission may not cover debt management."],["Not-for-profit debt-advice body","Carrying on Regulated Activities by Way of Business Order 3E, inserted in 2013: qualifying not-for-profit bodies doing 39D, 39E or 89A activities are treated as doing so by way of business, except where only occasional. The constitution must meet the income/application and non-distribution criteria. C019","Free delivery, charitable incorporation or receiving donations is no automatic FSMA exclusion. Appropriate limited permission can be available, but must actually exist."],["Public free adviser","Test employer and capacity. A local authority's own debt activities have RAO 72G(3) exclusion; DAS regulation 8(e) separately recognises qualifying local-authority employed money advisers. C020, C032","A private charity, contractor, subsidiary or paid partner does not become the local authority simply by working with one."],["Scottish solicitor","RAO 39K legal-proceedings/advocacy/litigation capacity; separately FSMA 327 conditional designated-professional-body exemption for incidental regulated activities. C021","Ordinary commercial telephone debt settlement cannot rely merely on a solicitor's title. Separate client/advantage, incidental-service, designated-body and permission facts matter."],["Accountant or other professional","FSMA 327(1)–(9) only where all profession, oversight, incidental-service and reward/regulated-activity conditions are met. C021","Accountant title alone gives no blanket debt-management permission."],["Creditor collecting or rescheduling its own loan","RAO 39H connection-to-agreement exclusions, supported by PERG 2.8.7C; related supplier/acquiring-broker branches. C018","An independent collection agent or assignee must identify its real legal capacity. Particular 39H amendments, including special debt-collection exceptions, require agreement-level verification."],["Debt purchaser or independent servicer","Test whether actually lender/rights-holder, person with a qualifying 39H connection, or independent 39F/39G operator. C011–C012, C018","Purchasing a portfolio does not by itself settle the regulatory classification of all outsourced collection, servicing and borrower advice."],["Introducer or lead generator","Credit-broking article 36A if introducing for qualifying new credit; personalised debt advice may separately invoke 39E. C013–C014","Bare factual signposting is distinct from tailored debt-solution steering. Referral commissions may affect other requirements."],["Software supplier","Substance of advice, who controls decision rules, whether outputs concern a particular borrower and debt; PERG 17.4–17.7. C008, C014","“Automated,” “AI” or “information only” branding proves no exclusion."],["Payment-only distributor","Payment Services Regulations gateway may apply to receipt/transmission of funds; Scottish DAS payments distributor has a distinct regulation 14 approval role. C038, C048","Neither status implies permission to advise or negotiate. Funds held and who is payee are critical."],["Qualified insolvency practitioner","RAO 72H(1)–(3) excludes 39D–39G while acting as an insolvency practitioner; narrower anticipated-appointment relief for 39D/39E. Insolvency Act 388/390/390A controls capacity and qualification. C022–C025","Running an unrelated paid debt-management service is not covered simply because its owner holds an IP licence."],["Official receiver / judicial factor","Exemption Order Schedule 52 in stated statutory capacity; official receiver is not automatically the Scottish Accountant in Bankruptcy. C026","Identify actual office and appointment; do not transfer powers across roles."],["Approved DAS money adviser","Scottish regulations 7–11, status/capacity determined by regulation 8 or actual regulation 9 approval, subject to regulation 10. C029–C037","No automatic UK FSMA permission to run a wider commercial debt-settlement business."],["Appointed representative","FSMA 39 and Appointed Representatives Regulations, as amended to encompass 39D–39G. Authorised principal must accept responsibility in writing for specified business. C027","“Works with an FCA firm” or “is an introducer” is not enough. Verify entity, principal, scope and limitations."],["Qualifying enterprise scheme","Exemption Order Schedule paragraph 40 and FCA PERG 2.11.5 recognise a specifically defined enterprise-scheme exemption for specified activities, without prospect of direct or indirect pecuniary gain; reasonable operating-cost recovery is differentiated. C028","Not a general nonprofit exemption; the current definition and all scheme predicates need verification."],["Sheriff officer, messenger-at-arms, debt collector seeking DAS adviser role","Scottish DAS regulation 10(a), (c) disqualifies the specified persons or employees from approved money-adviser capacity. C034","FCA authorisation or a professional relationship does not override the Scottish restriction."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Gateway","Person/body that supplies authority","Decisive scope and safeguard"],["Direct Part 4A authorisation","Financial Conduct Authority","The legal entity must hold permission for the particular regulated credit activity. A permission limited to vehicle finance, a specified ancillary activity or advice excluding a debt management plan cannot be extrapolated. C027, C043"],["Full versus limited consumer-credit permission","FCA","Classification depends on the activities and applicant. An appropriately constituted not-for-profit body may apply for limited permission covering its debt counselling/adjusting, whereas a generic commercial debt-management provider should not assume limited status. C043"],["Appointed representative","Authorised principal with written accepted responsibility, under FSMA 39","Scope, principal, exclusions and any restrictions must match the proposed regulated acts. Representation is not personal authorisation of every worker or independent service. C027"],["Designated professional exemption","FSMA 327 plus the applicable designated professional body and its regulatory arrangements","Must be incidental to supervised professional work; no unaccounted third-party advantage; no impermissible regulated holding-out/activity. C021"],["Insolvency practitioner authorisation","Recognised professional body under Insolvency Act 390/390A/391","An individual, appropriately authorised for the relevant subject (individual/company and partnership branches), not an ordinary corporate licence. Section 390(3) additionally requires qualifying security/caution in Scotland for the appointment. C023–C025"],["Debt-management prudential resources","FCA CONC 10 for firms to which it applies","Continuing solvency and specified capital/resources calculation; details below. Does not promise a ring-fenced customer fund or compensation. C044–C045"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Scottish requirement","What the text actually says"],["Money adviser required","DAS regulation 7 requires the debtor to have an approved money adviser, with the stated association restriction. C031"],["Automatically qualifying categories, subject to exclusion","Regulation 8(a)–(e) lists a qualified IP, a properly delegated employee of such IP, an adviser working for a Type 2-or-higher accredited organisation, an adviser at a qualifying Citizens Advice Scotland member bureau, and a local-authority money adviser. Regulation 8(f) adds individually approved persons. C032"],["Entity debtor exception","Regulation 8A requires a legal person, trust or unincorporated body debtor to use a regulation 8(a) IP-category money adviser. An ordinary CAB adviser does not satisfy this special rule solely by meeting regulation 8(d). C033"],["Individual approval application","Regulation 9(1)–(2) requires the prescribed written application and suitability/training material and a Level 2 disclosure dated less than 12 months earlier; DAS Administrator determines fitness, training and applicable FCA compliance arrangements. C035"],["Disqualifications","Regulation 10 excludes specified sheriff officers/messengers, debt collectors and employees, certain for-profit financial-services persons subject to narrowly stated professional exceptions, specified dishonesty convictions, bankruptcy/director restrictions, and revoked/suspended advisers. C034"],["Continuing status","Regulation 11 governs suspension/revocation; an adviser cannot rely indefinitely on a status that has ceased to satisfy its terms. C036"],["Payments distributor","Regulations 14–15 provide a separate DAS Administrator approval/oversight route for distributors, including suitability conditions. It is not the same as money-adviser approval or a general payment-services permission. C038–C039"],["Repealed historical provision","DAS regulation 13 was revoked with effect from 4 November 2019. It must not be treated as a present approval pathway. C040"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Illustrative nexus","Gate analysis; no asserted outcome without facts"],["Glasgow firm phones Edinburgh debtors","UK activity plainly needs FSMA/RAO classification. Scottish statutory solutions additionally use Scots rules."],["London FCA-authorised firm advises a Scottish debtor","UK permission may be relevant, but exact activities/limitations and Scotland-specific advice must be checked. The FCA's CONC 8.2.2G, updated June 2026, expressly addresses differences among UK countries."],["Scottish adviser serves a non-UK resident","UK business location may still trigger FSMA; no conclusion about foreign debt, foreign law or availability of Scottish debt solutions."],["Overseas company advertises a paid Scotland-facing telephone service","Cannot infer “outside FSMA” merely from registration or hosting abroad. Establish where acts, management, staff and decision-making occur and apply section 418 and PERG 2.4."],["Non-UK adviser without an identified UK establishment","Territorial result unresolved without the precise activity, nexus and any other applicable jurisdiction's law. Not an automatic exemption and not automatic UK regulation."],["Cross-border referral followed by a Scottish DPP or PTD","Distinguish the introducer's UK regulated activity from the separately approved Scottish money adviser/distributor or trustee."]]},{"headers":[],"index":6,"links":[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html"}],"row_links":[[],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html"}]],"rows":[["ID","Issuer, title and full direct URL","Exact pinpoint; jurisdiction, actor/debt, version and access status"],["S001","UK Parliament, Financial Services and Markets Act 2000, s19. https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html","s19(1); general prohibition; UK including Scotland, any person undertaking UK regulated business. Body read, legislation.gov.uk text returned 2026-10-26. \nlegislation.gov.uk"],["S002","UK Parliament, FSMA 2000, s22. https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html","s22(1), (1A); prescribed activity/investment/property and business; UK. Body read, 2026-10-26. \nlegislation.gov.uk"],["S003","UK Parliament, FSMA 2000, s39. https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html","s39(1), (1A), associated restrictions; authorised principal, representative contract and accepted responsibility; UK. Body read, consolidated text 2026-10-26; later provision amendments noted. \nlegislation.gov.uk"],["S004","UK Parliament, FSMA 2000, s327. https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html","s327(1)–(9); designated-profession incidental-service exemption, reward and activity restrictions; UK/Scottish professionals. Body read, 2026-10-26. \nlegislation.gov.uk"],["S005","UK Parliament, FSMA 2000, s418. https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html","s418(1), (3)–(8) as relevant; deeming UK territorial activity; cross-border providers. Body read, 2026-10-26; other specialised branches not comprehensively adjudicated. \nlegislation.gov.uk"],["S006","UK Parliament, FSMA 2000, s23, dated consolidation. https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html","s23(1), (1A)–(1G), (3)–(5); general prohibition and credit-related permission offences, due-diligence defence. 2014-02-28 snapshot body read, fetched 2026-10-26; not certified current to 2026. \nlegislation.gov.uk"],["S007","HM Treasury, FSMA (Regulated Activities) Order 2001, SI 2001/544, art39D. https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html","39D(1)(a)–(c), (2)(a)–(c); debt adjusting, borrower/lender and consumer hire; UK. Current displayed body read, inserted 2013/operative generally 2014. \nlegislation.gov.uk"],["S008","HM Treasury, RAO 2001, art39F. https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html","39F(1)–(4); creditor-side debt collecting, credit/hire and specified P2P branches. Body read, 2026-10-26. \nlegislation.gov.uk"],["S009","HM Treasury, RAO 2001, art39G. https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html","39G(1)–(4); debt administration—specified rights/duties; agreement-related actors. Body read, 2026-10-26. \nlegislation.gov.uk"],["S010","HM Treasury, RAO 2001, art39J. https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html","39J; qualified mortgage/home-purchase overlap exclusion, as amended by SI 2014/366 art2(14). Current displayed body read, 2026-10-26. \nlegislation.gov.uk"],["S011","HM Treasury, RAO 2001, art72G. https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html","72G(3) and (3A); local authority debt activities and limits on extending exclusion to other persons. Body read, 2026-10-26. \nlegislation.gov.uk"],["S012","HM Treasury, RAO 2001, art72H. https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html","72H(1)–(5); IP acting capacity and anticipated appointment; 2026 crypto/targeted-support annotations are separate activities. Current displayed body read, 2026-10-26. \nlegislation.gov.uk"],["S013","HM Treasury, RAO 2001, art36A. https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html","36A(1), (3), (4); credit broking and qualifying new-credit introductions. Body read, 2026-10-26; individual exclusion predicates need fact-specific matching. \nlegislation.gov.uk"],["S014","HM Treasury, RAO 2001, Chapter 14A, dated 2026-07-15. https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","60B(1)–(3), related credit-agreement/exemption definitions; individual/relevant recipient of credit; UK. Dated 2026-07-15 consolidation body read; not a proof of every subsequent change. \nlegislation.gov.uk"],["S015","HM Treasury, RAO 2001, art60L. https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html","60L(1), relevant defined terms; borrower/lender/credit/security, relevant to guarantees but not a blanket expansion of 39E. Body read, 2026-10-26. \nlegislation.gov.uk"],["S016","HM Treasury, FSMA (Regulated Activities) (Amendment) (No. 2) Order 2013, SI 2013/1881, 2014-06-27 dated text. https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html","arts 5, 13–15: insertion of RAO 39D–39M, business-order 3E, Exemption Order Sch para 40/47/52, and Appointed Representatives Regulations reg2 debt activities. Historic amending text body read, 2026-10-26; original insertion not used alone to claim unchanged 2026 consolidation. \nlegislation.gov.uk\n+1"]]},{"headers":[],"index":7,"links":[{"href":"https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg17"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s3"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s4"},{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s8"},{"href":"https://handbook.fca.org.uk/handbook/perg2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2"},{"href":"https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8"},{"href":"https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf?utm_source=chatgpt.com","text":"https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf"},{"href":"https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/limitations-debt-permissions"},{"href":"https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc10"},{"href":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com","text":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised"},{"href":"https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/financial-services-register"}],"row_links":[[],[{"href":"https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg17"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s3"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s4?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s4"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2/perg2s8"}],[{"href":"https://handbook.fca.org.uk/handbook/perg2?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/perg2"}],[{"href":"https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc8"}],[{"href":"https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf?utm_source=chatgpt.com","text":"https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf"}],[{"href":"https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/limitations-debt-permissions"}],[{"href":"https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com","text":"https://handbook.fca.org.uk/handbook/conc10"}],[{"href":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com","text":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised"}],[{"href":"https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com","text":"https://www.fca.org.uk/firms/financial-services-register"}]],"rows":[["ID","Issuer, title and full direct URL","Exact pinpoint; jurisdiction, actor/debt, version and access status"],["S017","FCA, PERG 17 Consumer credit debt counselling. https://handbook.fca.org.uk/handbook/perg17","PERG 17.1–17.7, especially Q2.1, Q3.1–3.3, Q4.1–4.3, Q5.1–5.5 and examples; individual debt advice, information and mixed debts, UK. Body read; Handbook last updated 2023-06-02, accessed 2026-10-26. \nPERG 17 Consumer credit debt counselling"],["S018","FCA, PERG 2.3 The business element. https://handbook.fca.org.uk/handbook/perg2/perg2s3","PERG 2.3.1–2.3.2, including not-for-profit credit activity/business-order treatment. Body read; updated Handbook material displayed 2026-10-26. \nPERG 2.3 The business element"],["S019","FCA, PERG 2.4 Link between activities and the United Kingdom. https://handbook.fca.org.uk/handbook/perg2/perg2s4","PERG 2.4.1–2.4.3; UK management/establishment and cross-border activity. Body read; last updated 2026-09-16; a separate future 2027-10-25 version is shown and is not treated as effective. \nhandbook.fca.org.uk"],["S020","FCA, PERG 2.8 Exclusions applicable to particular regulated activities. https://handbook.fca.org.uk/handbook/perg2/perg2s8","PERG 2.8.7C(1)–(6); creditor, professional litigation, mortgage and related debt exclusions. Body read, 2026-10-26. Legal RAO text controls over explanatory guidance. \nhandbook.fca.org.uk"],["S021","FCA, PERG 2 Authorisation and regulated activities. https://handbook.fca.org.uk/handbook/perg2","PERG 2.11.2–2.11.6, especially 2.11.5 enterprise schemes; official receiver, judicial factor, tracing and narrow exemptions. Body read, 2026-10-26. \nPERG 2 Authorisation and regulated activities"],["S022","FCA, CONC 8 Debt advice. https://handbook.fca.org.uk/handbook/conc8","CONC 8.1.1–8.1.4; 8.2.2G; 8.9; firms with debt-advice permissions, exempt underlying credit/hire agreements, UK-country differentiation and leads. Body read; chapter last updated 2026-07-31, 8.2.2G dated 2026-06-26. Conduct detail outside P01. \nCONC 8 Debt advice"],["S023","FCA, Limited Consumer Credit Firm: application notes (PDF). https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf","PDF zero-index page 1, limited-permission explanation and not-for-profit constitutional test; printed page number not independently confirmed. PDF body read, 2026-10-26; instructions are explanatory, not a standalone grant. \nfca.org.uk"],["S024","FCA, Limitations on debt permissions. https://www.fca.org.uk/firms/limitations-debt-permissions","Scope limitations, including debt-management-plan restrictions; UK regulated debt firms. Body read, FCA page originally published 2017, accessed 2026-10-26. Individual firm's actual restrictions must be checked. \nFCA"],["S025","FCA, CONC 10 Prudential rules for debt management firms. https://handbook.fca.org.uk/handbook/conc10","CONC 10.1.1–1.6; 10.2.1–2.14; 10.3.2–3.3; application, professional-firm carve-out, solvency and tiered prudential calculation. Body read; chapter last updated 2014-07-01, accessed 2026-10-26. \nhandbook.fca.org.uk"],["S026","FCA, How to check a firm or individual is authorised. https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","Public Firm Checker/Register instructions, legal-entity status, appointed representatives, permission and protection limitations. Body read; page updated 2026-09-22, accessed 2026-10-26. No entity searched. \nFCA"],["S027","FCA, Financial Services Register. https://www.fca.org.uk/firms/financial-services-register","Official public register categories and limitations; authorised persons, ARs and other financial-services entries. Body read; page updated February 2026, accessed 2026-10-26. No individual or firm searched. \nFCA"]]},{"headers":[],"index":8,"links":[{"href":"https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html"},{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html"},{"href":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser?utm_source=chatgpt.com","text":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser"},{"href":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das?utm_source=chatgpt.com","text":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das"},{"href":"https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf"}],"row_links":[[],[{"href":"https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html"}],[{"href":"https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html"}],[{"href":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser?utm_source=chatgpt.com","text":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser"}],[{"href":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das?utm_source=chatgpt.com","text":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das"}],[{"href":"https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf"}]],"rows":[["ID","Issuer, title and full direct URL","Exact pinpoint; jurisdiction, actor/debt, version and access status"],["S028","Scottish Parliament, Debt Arrangement and Attachment (Scotland) Act 2002, as-enacted PDF. https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf","ss1–3, DAS creation, Scottish administrative/adviser basis; printed pages 1–2, zero-index PDF pages 6–7. Original enacted body read, not 2026 consolidation. \nlegislation.gov.uk\n+1"],["S029","Scottish Ministers, Debt Arrangement Scheme (Scotland) Regulations 2011, SSI 2011/141, reg7. https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html","reg7(1)–(2); debtor approved money adviser and association rule. Consolidated provision body read, effective from 2011 subject to amendments. \nlegislation.gov.uk"],["S030","Scottish Ministers, SSI 2011/141, reg8. https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html","reg8(a)–(f); qualifying money-adviser categories, subject to reg10. Body read, 2026-10-26; original operative 2011. \nlegislation.gov.uk"],["S031","Scottish Ministers, SSI 2011/141, reg8A. https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html","reg8A; qualified-IP adviser required for legal persons, trusts, unincorporated bodies. Body read; inserted 2014-12-11, effective at access. \nlegislation.gov.uk"],["S032","Scottish Ministers, SSI 2011/141, reg9. https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html","reg9(1)(a)–(d), (2)(a)–(d); individual application, fitness, training, FCA arrangements. Body read, current wording includes 2025-04-01 Level 2 amendment. \nlegislation.gov.uk"],["S033","Scottish Ministers, SSI 2011/141, reg10. https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html","reg10(a)–(g); disqualified occupations, conflicts, convictions and restrictions. Body read, 2026-10-26. \nlegislation.gov.uk"],["S034","Scottish Ministers, SSI 2011/141, reg11. https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html","reg11(1), (1A) and related grounds; approved money-adviser revocation/suspension, including FCA-arrangement relevance. Body read, 2026-10-26. \nlegislation.gov.uk"],["S035","Scottish Ministers, SSI 2011/141, reg14. https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html","reg14(1), (3)–(7); DAS payments distributor approval, conditions, fitness and relevant statutory capacity. Body read, 2026-10-26. \nlegislation.gov.uk"],["S036","Scottish Ministers, SSI 2011/141, reg15. https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html","reg15, payments distributor approval removal; Scotland. Body read, 2026-10-26. \nlegislation.gov.uk"],["S037","Scottish Ministers, SSI 2011/141, reg13. https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html","reg13 annotations/revocation; revoked 2019-11-04. Body read solely to exclude superseded route, 2026-10-26. \nlegislation.gov.uk"],["S038","Accountant in Bankruptcy, How to become an approved money adviser. https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser","AiB practical categories/application/fitness guidance; updated 2025-11-11, body read. Conflict: guidance retains obsolete certificate description; current S032 statutory Level 2 wording controls. \nAccountant in Bankruptcy"],["S039","Accountant in Bankruptcy, Main parties in DAS. https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das","DAS Administrator, advisers, continuing adviser and payments-distributor roles; body read, 2026-10-26; precise latest page revision not established. \nAccountant in Bankruptcy"],["S040","Scottish Parliament, Bankruptcy (Scotland) Act 2016, as-enacted PDF. https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf","ss49–51, printed pages 36–40, PDF zero indices 46–50; ss163–165, printed 119–120, PDF zero indices 130–131. Original enacted body read, 2026-10-26. Later amendments not comprehensively consolidated; practitioner-boundary findings only. \nOueen's Print Cover.docx\n+3"]]},{"headers":[],"index":9,"links":[{"href":"https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html"},{"href":"https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf?utm_source=chatgpt.com","text":"https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf"},{"href":"https://www.aib.gov.uk/systems/das-register?utm_source=chatgpt.com","text":"https://www.aib.gov.uk/systems/das-register"},{"href":"https://www.aib.gov.uk/systems/register-of-insolvencies?utm_source=chatgpt.com","text":"https://www.aib.gov.uk/systems/register-of-insolvencies"},{"href":"https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner?utm_source=chatgpt.com","text":"https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner"},{"href":"https://www.insolvencydirect.bis.gov.uk/fip1/?utm_source=chatgpt.com","text":"https://www.insolvencydirect.bis.gov.uk/fip1/"},{"href":"https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf"},{"href":"https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40"}],"row_links":[[],[{"href":"https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html"}],[{"href":"https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf?utm_source=chatgpt.com","text":"https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf"}],[{"href":"https://www.aib.gov.uk/systems/das-register?utm_source=chatgpt.com","text":"https://www.aib.gov.uk/systems/das-register"}],[{"href":"https://www.aib.gov.uk/systems/register-of-insolvencies?utm_source=chatgpt.com","text":"https://www.aib.gov.uk/systems/register-of-insolvencies"}],[{"href":"https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner?utm_source=chatgpt.com","text":"https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner"}],[{"href":"https://www.insolvencydirect.bis.gov.uk/fip1/?utm_source=chatgpt.com","text":"https://www.insolvencydirect.bis.gov.uk/fip1/"}],[{"href":"https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40"}]],"rows":[["ID","Issuer, title and full direct URL","Exact pinpoint; jurisdiction, actor/debt, version and access status"],["S041","UK Parliament, Insolvency Act 1986, Part XIII. https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html","ss388(1)–(5), 390(1)–(5), 390A(1)–(3), 390B, 391(1); statutory acting capacities, appropriate full/partial individual authorisation and Scottish caution. Current displayed part body read, 2026-10-26. \nlegislation.gov.uk\n+2"],["S042","FCA, FG25/2 Guidance for insolvency practitioners on how to approach regulated firms (PDF). https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf","Introduction, PDF zero-index page 0 / printed page 1; appointed-representative/principal discussion around zero-index page 13 / printed page 14. 2025 guidance body read, 2026-10-26; FCA regulates firms, not the IP profession. \nfca.org.uk"],["S043","Accountant in Bankruptcy, DAS Register. https://www.aib.gov.uk/systems/das-register","Public register description and scope; body read, 2026-10-26. DPP/debtor records, not a complete adviser-approval register. No individual case searched. \nAccountant in Bankruptcy"],["S044","Accountant in Bankruptcy, Register of Insolvencies. https://www.aib.gov.uk/systems/register-of-insolvencies","Public insolvency register purpose; body read, 2026-10-26. Not an IP licensing registry. No case searched. \nAccountant in Bankruptcy"],["S045","UK Government, Regulated Professions Register — Insolvency Practitioner. https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner","Regulation; reserved activities; recognised professional bodies; qualification and Scottish AiB oversight sections. Body read, 2026-10-26; general current publication, exact last revision unknown. \nGOV.UK"],["S046","UK Insolvency Service, Find an insolvency practitioner. https://www.insolvencydirect.bis.gov.uk/fip1/","Public search guidance and explicit incomplete-list limitation. General page body read, 2026-10-26; no named-practitioner search. \nFind an insolvency practitioner"],["S047","UK Parliament, Payment Services Regulations 2017, SI 2017/752, as-made PDF. https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","reg2 money remittance, PDF zero-index 12; Sch1 para1 payment services, zero-index 89; Sch1 para2 exclusions, zero-index 90; reg138 in original, zero indices 79–80. Printed pagination was not reliably separable from PDF indices in extracted text. 2017 original body read, 2026-10-26; current 2026 payment regime not fully reconciled. \nlegislation.gov.uk\n+1"],["S048","UK Parliament, FSMA (Exemption) Order 2001, SI 2001/1201, Schedule paragraph 40. https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40","Sch para40, defined enterprise-scheme exemption. Index/search only for current paragraph wording; direct body fetch failed. The 2013 textual amendment was body-read in S016 and FCA explanation body-read in S021. The full current scheme-definition predicates are not independently confirmed. \nlegislation.gov.uk\n+2"]]},{"headers":[],"index":10,"links":[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html"},{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html"},{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html"}],"row_links":[[],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html"}],[{"href":"https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html"}],[{"href":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html?utm_source=chatgpt.com","text":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html"}]],"rows":[["ID","Issuer, title and full direct URL","Intended pinpoint, access outcome and safe alternative"],["S049","HM Treasury, RAO art39H current. https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html","39H(1)–(5), including later exceptions. Failed direct current body read; 2013 insertion S016 was body-read and current FCA PERG S020 body-read. Residual uncertainty: exact effect of all later specialised amendments on a concrete creditor/collector."],["S050","HM Treasury, RAO art39K current. https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html","39K legal-profession exclusion, current body failed. Original Scottish solicitor limb body-read in S016; later FCA explanation body-read in S020. Consolidated post-amendment exact Scottish wording is not certified."],["S051","UK Parliament, FSMA s26 current. https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html","Potential agreements/remedies consequence. Failed body access; deliberately no conclusion about individual debt or contract enforceability drawn. Full private-law remedial treatment deferred."],["S052","UK Parliament, FSMA s23 current. https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html","Current offence wording failed; a 2014 dated body was successfully read in S006. Consequence only provisionally characterised in P01, with current-version check held."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Atomic legal assertion, predicates and adverse branch","Exact sources and confidence"],["C001","FSMA s19(1) prohibits a person from carrying on or purporting to carry on a regulated activity in the UK unless authorised or exempt; the precise activity, person and territorial test must first be established.","S001 §19(1). H"],["C002","FSMA s22(1), (1A) requires an activity specified by order by way of business in relation to the specified subject matter. A paid label or a free first appointment does not alone determine this statutory question.","S002 §22(1), (1A); S018 PERG 2.3. H"],["C003","An applicable UK FSMA authorisation/exemption and Scottish DAS approved-adviser status derive from different legal instruments; proof of one is insufficient proof of the other.","S001 §19; S029–S033 regs7–10. H, logical legal distinction"],["C004","Negotiating with a lender on a borrower's behalf to discharge a debt due under a credit agreement is specified debt adjusting. Independent creditor settlement can meet RAO 39D(1)(a).","S007 art39D(1)(a). H"],["C005","Taking over the borrower's credit-debt obligation in return for borrower payments, or a similar activity liquidating such debt, falls within 39D(1)(b)–(c). Mere technical payment forwarding must be separately characterised.","S007 art39D(1)(b)–(c). H"],["C006","RAO 39D(2)(a)–(c) separately covers corresponding debt-adjusting conduct for obligations arising under a consumer hire agreement and its hirer/owner relationship.","S007 art39D(2). H"],["C007","Giving a borrower advice about liquidation of debt under a credit agreement, or a hirer under consumer hire, is the RAO 39E counselling activity; it can concern future contractual payments, not only defaults.","S016 art5 inserted 39E; S017 PERG 17.1 Q1.2, 17.2 Q2.1, 17.3 Q3.1–3.2. H"],["C008","Advice about a particular borrower and debt that guides the debtor's action can be 39E counselling; impersonal neutral information normally is not. A personalised web decision tree is not exempt simply for being automated.","S017 PERG 17.4 Q4.1 and 17.5 Q5.1–5.5. H"],["C009","If integrated debtor advice covers both qualifying credit debts and other debts, it can still constitute regulated counselling; non-credit debts in the same recommendation do not automatically strip out 39E.","S017 PERG 17.3 Q3.3. H"],["C010","RAO adjusting/counselling concern credit agreements and consumer hire whether the agreement is itself regulated or not; an isolated non-credit public liability is not thereby a credit agreement. The particular underlying instrument decides.","S014 art60B(3); S022 CONC 8.1.4G; S017 PERG 17.3 Q3.3. H for distinction; M for unsupplied contracts"],["C011","Steps taken to procure payment of a debt in the RAO's defined creditor-side agreements can constitute 39F debt collecting; this does not automatically authorise giving debtor-side 39E advice.","S008 art39F(1)–(4); S016 art5. H"],["C012","Performing duties or exercising/enforcing lender/owner rights under the defined credit/hire agreements can constitute 39G debt administration; not every administration of a debtor's private plan qualifies.","S009 art39G(1)–(4). H"],["C013","Qualifying introductions related to new credit or consumer hire may constitute credit broking under 36A; referral to a debt-advice business alone does not prove the same act.","S013 art36A(1), (3), (4). H for defined activity; M for unidentified referral"],["C014","The legal effect of software outputs turns on personalised debt advice and control, not the fact that a machine generates them; “information only” terms cannot override the substance.","S017 PERG 17.4–17.7. H as FCA perimeter interpretation"],["C015","RAO 60B(3) uses a credit-agreement definition involving an individual or relevant recipient of credit; entity form, partnership composition and exemptions must be established before classifying business borrowing.","S014 art60B(3), related Chapter 14A definitions. H definition; M unspecified structures"],["C016","A guarantor/third-party payer is not automatically the borrower addressed by 39E. 39M's additional guarantee-related consumer rules concern specified 39F/39G contexts, not a universal rewrite of 39E.","S015 art60L; S016 inserted art39M(1)–(3); S017 PERG 17.4 Q4.2. H"],["C017","Amended RAO 39J excludes defined mortgage/home-purchase debt activities to the extent the same conduct constitutes another Part II regulated activity; it is not an exclusion of every mortgage-related negotiation.","S010 art39J, substituted by SI 2014/366. H"],["C018","39H contains agreement-connection exclusions for specified lenders/owners/suppliers and other qualifying persons. An independent debt collector, assignee or service provider must prove the exact connection and later-amendment position.","S016 inserted 39H(1)–(5); S020 PERG 2.8.7C(1)–(3); S049 current access failure. M, special exceptions unresolved"],["C019","A constitutionally qualifying not-for-profit body carrying on 39D/39E or 89A activities regularly is deemed to carry them on by way of business under business-order 3E; a body doing the activity only occasionally is excepted from that deeming provision.","S016 art13 inserted 3E(1)–(4); S018 PERG 2.3. H for inserted text; M any later unreviewed amendment"],["C020","RAO 72G(3) provides a local-authority capacity exclusion for arts39D–39G; a contractor or separate subsidiary cannot invoke the authority's status without meeting the exact text.","S011 art72G(3), (3A); S016 art14 Sch para47 amendment. H for direct local-authority branch"],["C021","Legal/professional exceptions are capacity restricted: RAO 39K for advocacy/litigation activities and FSMA 327 only where designated-professional-body, incidental-service, reward and other conditions hold. A Scottish solicitor/accountant title alone is insufficient.","S004 §327(1)–(9); S016 inserted 39K(1)(c); S020 PERG 2.8.7C(5); S050. H s327; M exact updated 39K wording"],["C022","RAO 72H(1)–(2) excludes 39D–39G acts performed while acting as an IP; 72H(3) covers 39D/39E in reasonable contemplation of appointment, not all outside consulting.","S012 art72H(1)–(3). H"],["C023","Insolvency Act 388(2)(a)–(b) identifies a trustee/interim trustee in Scots sequestration and a Scottish trust-deed trustee as persons acting in IP capacity; 388(5) excludes AiB from that statutory description for AiB's separate powers.","S041 §388(2), (5). H"],["C024","Insolvency Act 390(1)–(3) requires an individual, appropriate authorisation and appointment-specific security or, in Scotland, caution; excluded-status conditions also apply. A firm's brand or employee title does not satisfy these requirements.","S041 §390(1)–(5). H, exact prescribed caution amount not determined"],["C025","Insolvency Act 390A(1)–(3) differentiates full authorisation for company/individual/partnership work from partial individual-only or company-only authority, subject to the recognised body's rules and further partnership restrictions.","S041 §§390A–390B, 391(1). H"],["C026","The Exemption Order provides specified role-based relief for an official receiver or judicial factor, and for a person acting as an IP, under the relevant Schedule 52 terms; the identity and actual statutory capacity must be established.","S016 art14 inserting Sch para52(1)–(3); S021 PERG 2.11.2. H original text/regulator; capacity-specific"],["C027","FSMA 39 permits relevant appointed-representative activity only with an appropriately authorised principal and the requisite written responsibility arrangement for permitted descriptions; debt adjusting/counselling/collecting/administration were added to designated activities in the 2013 regulations.","S003 §39(1); S016 art15 inserting reg2(1)(ad)–(ag); S026 AR guidance. H"],["C028","The Exemption Order Schedule paragraph 40 applies to a defined enterprise scheme and, for specified financial activities, demands absence of direct or indirect pecuniary gain, with reasonable scheme-cost recovery treated differently. It is not a charity-wide exception.","S016 art14(2); S021 PERG 2.11.5; S048 indexed paragraph40. M, full current scheme qualification not body read"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Atomic legal assertion, predicates and adverse branch","Exact sources and confidence"],["C029","The Scottish Debt Arrangement Scheme has a statutory basis in the 2002 Scottish Act and the 2011 DAS regulations; its DPP is a Scottish statutory debt-payment mechanism, distinct from a private plan.","S028 §§1–3; S029 reg7; S039 AiB roles. H"],["C030","For Scotland, the identified statutory mechanism names are DAS/DPP, sequestration and Scottish protected trust deed; England/Wales IVA/DRO and Irish DSA/PIA labels do not describe these Scottish statutory routes.","S028 §§1–3; S040 §§49–51, 163–165; S041 §388. H for positively identified Scots routes; not an exhaustive local-products audit"],["C031","DAS regulation 7(1)–(2) requires an approved money adviser and sets the specified adviser–debtor association restriction.","S029 reg7(1)–(2). H"],["C032","DAS regulation 8(a)–(f) lists six routes to approved-money-adviser status, all subject to regulation 10; organisational association must satisfy the specified route rather than generic charity affiliation.","S030 reg8(a)–(f); S033 reg10. H"],["C033","DAS regulation 8A requires a debtor that is a legal person, trust or unincorporated body to use an adviser in the regulation 8(a) qualified-IP category.","S031 reg8A; S030 reg8(a). H"],["C034","DAS regulation 10(a)–(g) disqualifies the specified enforcement/debt-collection persons, certain commercial advisers (with listed narrow exceptions), persons with specified convictions/restrictions, and suspended/revoked advisers.","S033 reg10(a)–(g). H"],["C035","Individual DAS adviser approval under regulation 9(1)(d) requires a Level 2 disclosure dated less than 12 months before application; SSI 2025/74 effected this amendment on 1 April 2025.","S032 reg9(1)(d), amendment annotation; S038 conflicting older guidance. H"],["C036","DAS regulation 11 provides for cessation, suspension/revocation of individual approved-money-adviser status on stated grounds, including applicable compliance arrangements. Status cannot be assumed permanent.","S034 reg11(1), (1A). H"],["C037","For an individual DAS adviser under regulation 9, the DAS Administrator evaluates relevant training, fitness, regulation 10 exclusion and appropriate FCA compliance arrangements where applicable; this scrutiny does not itself grant FCA permission.","S032 reg9(1)–(2). H"],["C038","DAS regulation 14 establishes a separate approved payments-distributor role, determined by the DAS Administrator against the regulation's conditions. It does not merge with money-adviser approval.","S035 reg14(1), (3)–(7); S039 AiB roles. H"],["C039","DAS regulation 15 provides for revocation/removal of payments-distributor approval; designation cannot be inferred merely from collecting monthly debtor payments.","S036 reg15. H"],["C040","The former DAS regulation 13 approval provision was revoked effective 4 November 2019; using it as a live 2026 route would be wrong.","S037 reg13 annotations. H"],["C041","Under the Scottish Bankruptcy (Scotland) Act 2016, as enacted, ss49–51 impose trustee qualifications/disqualifications and allocate trustee appointment pathways involving qualified persons and AiB.","S040 §§49–51, printed pp36–40, PDF indices46–50. M, enacted-version later amendments not fully checked"],["C042","Under the 2016 Scottish Act as enacted, ss163–165 distinguish protected-trust-deed statutory recognition/recording from the qualified trustee role; a private settlement negotiator is not thereby a PTD trustee.","S040 §§163–165, printed pp119–120, PDF indices130–131; S041 §388(2)(b). M, subsequent consolidated provisions held"],["C043","FCA limited consumer-credit permission may cover the full defined not-for-profit adjusting/counselling activities; commercial providers cannot assume that entitlement, and actual permission limitations may exclude DMP work.","S023 PDF index1; S024 FCA debt-permission restrictions. H for FCA guidance, M case-specific statutory category"],["C044","FCA CONC 10 applies to debt-management firms and to certain not-for-profit advice bodies meeting the specified £1 million client-money historic/projected threshold, subject to express professional-firm application provisions.","S025 CONC 10.1.1R–10.1.2R. H"],["C045","CONC 10.2.5R/10.2.8R sets the percentage tiers 0.25%/0.15%/0.05% and £5,000 minimum, subject to its calculation base, projected initial period, higher overlapping rules and recalculation requirements.","S025 CONC 10.2.4–2.14; 10.2.11G. H"],["C046","FSMA's UK territorial test is modified by s418 for specified UK management/establishment situations; a nonresident website or foreign client is not by itself dispositive of where regulated activity is carried on.","S001 §19; S005 §418; S019 PERG 2.4.1–2.4.3. H for identified tests; M unknown cross-border facts"],["C047","A consumer can distinguish FCA authorised firm, permitted activities/limitations, AR and principal, and mere registered status using official Firm Checker/Register guidance; no listing warrants every service.","S026 public instructions; S027 Register scope; S003 §39. H"],["C048","Receiving funds for transfer to creditors without payer/payee accounts can satisfy the money-remittance definition; payment services are a potentially separate authorisation/registration question, subject to current regulations and exclusions.","S047 original PSR 2017 reg2, Sch1 paras1–2, reg138. M, original 2017 only; 2026 consolidated payment gateway not certified"],["C049","A breach of FSMA's general prohibition can constitute an authorisation offence under s23(1), subject to statutory elements and defences; the 2014 text also contains the distinct out-of-permission credit-related provision and due-diligence defence. This does not itself establish invalidity of an underlying consumer debt.","S006 dated §23(1), (1A)–(1G), (3)–(5); S052 current fetch failure. M/L for 2026 currency; no private remedy conclusion"],["C050","AiB's DAS Register and Register of Insolvencies concern recorded programmes/insolvency events; neither is by itself proof of the professional approval or FCA activity permission of a service provider.","S043 DAS register; S044 ROI; S032 reg9. H"],["C051","The government's insolvency-practitioner public search is expressly incomplete; licensing capacity depends on the recognised professional body and statutory criteria, so absence from that search is not conclusive.","S046 public search limitation; S045 regulator/body inventory; S041 §§390–391. H"],["C052","Appointment of an IP over an FCA-authorised firm does not automatically extinguish the firm's continuing financial-regulatory status or obligations; FCA and IP professional regulation have different subjects.","S042 FG25/2 introduction and relevant appointment paragraphs. H as FCA published guidance"],["C053","FCA CONC 8.2.2G, revised 26 June 2026, identifies differing debt solutions/enforcement between UK countries as material to appropriate debt advice. UK authorisation does not justify importing another country's statutory solution names into Scotland.","S022 CONC 8.2.2G(1)–(3). H"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-A01 FSMA test","Answered","UK general prohibition and specified business activity: C001–C003; S001–S002.","For an actual provider: legal entity, activity, locus, permission/exemption."],["K-A02 Credit-debt negotiation/assumption","Answered","RAO 39D alternatives distinguished: C004–C006; S007.","Obtain real negotiation and payment-obligation terms."],["K-A03 Individualised debt counselling","Answered","RAO 39E and particular borrower/debt: C007–C009; S016–S017.","Inspect actual advice/scripts/decision outputs."],["K-A04 Creditor collecting versus administration","Answered","Separate 39F and 39G acts: C011–C012; S008–S009.","Identify creditor title, agency and functions under each agreement."],["K-A05 Introductions/new lending","Partial","Article 36A potentially applies: C013; S013.","Determine precise introduction, regulated agreement, seller/broker capacity and every relevant 36B/36F exception."],["K-A06 Pure information, budgeting, software","Answered, fact-specific","Impersonal information versus tailored steering: C008, C014; S017.","Obtain exact user prompts, outputs and internal decision rules."],["K-A07 Fee-free first contact; indirect remuneration","Partial","Business test is substantive, not initial-price-only: C002, C019; S002, S016, S018.","Identify all affiliate commissions, transfers, consideration and frequency; retrieve any further business-order classifications."],["K-A08 Nonprofit and occasional work","Answered, with application facts open","Special 3E rule; occasional exception: C019; S016, S018.","Constitution, actual operating frequency and any later amendments not visible in the consolidated 3E endpoint."],["K-A09 Regulated versus exempt credit agreement","Answered","39D/39E can extend to credit agreements exempt from lending regulation: C010, C015; S014, S022.","Review each agreement's statutory borrower, purpose, exempt provision and terms."],["K-A10 Sole trader, partnership, company","Partial","60B and relevant-recipient distinction: C015; S014.","Examine entity form, partner composition and contract; read all relevant recipient/exemption subdefinitions for a real case."],["K-A11 Guarantor, joint debtor, third-party payer","Partial","39M not universally imported into 39E: C016; S015–S017.","Contract signatures, guarantee/indemnity, assignment, discharge obligations, actual advice recipient."],["K-A12 Secured, mortgage and hire","Partial","39D(2) hire and narrowly conditioned mortgage overlap: C006, C017; S007, S010.","Determine mortgage classification and the alternative Part II regulated activity; other secured products remain deferred."],["K-A13 Commencement, legacy transition","Partial","Debt-credit regime introduced 2013 and generally operative 1 April 2014: S007, S016. No historical interim permission assumed still operative.","Read the precise 2014 transitional instruments and any provider-specific continued-permission pathway if the facts require it."],["K-A14 2025/2026 versions, prospective amendments","Partial","DAS 2025 disclosure update verified; FCA 2026 PERG/CONC updates located; 2026 RAO 72H amendments do not themselves rewrite its debt limbs: C035, C053; S012, S019, S022, S032.","Retrieve blocked current 39H/39K; test unincorporated-body and profession amendments where relevant; do not apply PERG's 2027 future version."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-B01 Commercial debtor-side firm","Answered","39D/39E and permission test: C001–C007, C043; S001–S002, S007, S024.","Contract and actual FCA permission restrictions."],["K-B02 Charity/nonprofit/free adviser","Answered, application facts open","Constitutional/business-order 3E and possible limited permission: C019, C043; S016, S023.","Legal constitution and activity/permission, not merely charity status."],["K-B03 Local authority/public adviser","Answered, restricted capacity","RAO 72G and DAS reg8(e): C020, C032; S011, S030.","Whether the actual contracting employer/person is the local authority or another body."],["K-B04 Scottish solicitor/advocate","Partial","Litigation/advocacy exclusion and conditional professional exemption: C021; S004, S016, S020, S050.","Obtain fully updated 39K and the relevant designated professional-body permissions/rules; establish actual litigation/incidentality."],["K-B05 Accountant/other professional","Partial","FSMA 327 predicates, no title-only exception: C021; S004.","Verify designated-body oversight, client accounting for benefits, incidental nature and any separately regulated activity."],["K-B06 Creditor's own negotiation/collection","Partial","39H agreement-connection exclusions: C018; S016, S020, S049.","Read precise current exception including special debt-collection branches and title under contract."],["K-B07 Debt buyer/servicer/collector","Partial","Ownership versus independent 39F/39G and separate 39E: C011–C012, C018; S008–S009, S016.","Chain of assignment, servicing scope, who may enforce and who advises whom."],["K-B08 Referrer and software supplier","Answered, fact-specific","36A/new credit, 39E/personal steering: C008, C013–C014; S013, S017.","Obtain referral and algorithm/decision outputs and actor identities."],["K-B09 Payment-only operator","Partial","PSR money-remittance second gateway and DAS distributor route: C038, C048; S035, S047.","2026 consolidated PSR/exclusions, actual control of funds and statutory capacity."],["K-B10 IP, judicial factor, court-appointed person","Partial","Statutory appointments, 72H and Exemption Order Schedule 52: C022–C026; S012, S016, S041.","Actual appointment and any other court-appointed person's precise legal provision; no all-court-officers blanket exemption."],["K-B11 Appointed representative","Answered, scope-dependent","Written principal responsibility and prescribed debt activities: C027; S003, S016, S026.","Exact AR principal agreement, effective status, regulated activity and restriction."],["K-B12 Enterprise scheme, tracer, process server","Partial","Narrow enterprise exemption identified; limited tracing/process-service exemptions described by FCA: C028; S016, S021, S048.","Read complete current Schedule 40 definition and, if invoked, precise Schedule 54/54A tracing/process-serving predicates."]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-C01 Direct FCA/full permission","Answered","Legal entity and activity/restrictions control: C001, C043, C047; S001, S024, S026–S027.","Exact Part 4A permission wording and status date."],["K-C02 Limited consumer credit/not-for-profit","Answered, application-specific","Defined not-for-profit limited-permission possibility: C019, C043; S016, S023.","Constitution, application category and actual permission; not a grant by implication."],["K-C03 AR versus principal/individual","Answered","Written responsibility and prescribed scope: C027, C047; S003, S016, S026.","Legal entity/individual capacity, principal and contract."],["K-C04 Professional conditional exemption","Partial","FSMA 327 and RAO 39K: C021; S004, S016, S020.","Designated body's present supervisory rules, incidental test and exact legal-services conduct."],["K-C05 Insolvency full/partial licence and caution","Answered, amount unresolved","C023–C025; S041, S045. Appropriate individual authorisation and Scottish security/caution required.","Licensed category, professional body, prescribed amount/form of caution, specific appointment."],["K-C06 DAS adviser approval","Answered","Regulation 8 categoric or reg9 individual route; exclusions: C031–C037; S029–S034.","Particular worker's evidence of route/approval and continuing good standing."],["K-C07 DAS payments-distributor approval","Answered","Separate reg14 and reg15: C038–C039; S035–S036.","Particular distributor's approval and current conditions."],["K-C08 FCA prudential financial safeguard","Answered, scope-dependent","CONC10 formula, application and two calculations: C044–C045; S025.","Firm category, accounting date, relevant debts, client-money threshold and overlapping rule."],["K-C09 Application fees, PII, bonds, funds","Partial","Scottish IP caution established, numeric amount not; FCA prudential is not PII or protected customer funds: C024, C044–C045; S025, S041.","Retrieve current prescribed insolvency caution, professional PII, exact FCA gateway financial requirements and official fee schedules before making amounts or equivalences."],["K-C10 Transition, exemption, approval permanence","Partial","Revocation routes and repealed DAS reg13 established: C036, C039–C040; S034, S036–S037.","Historical interim FCA permissions and any saved statuses; time-specific source of authority for a legacy firm."]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-D01 Scotland business/Scottish clients","Answered","UK FSMA applies through s19 and Scottish DAS/trustee law separately: C001, C029–C030, C046; S001, S028, S040.","Provider activity, not residence alone."],["K-D02 Provider from another UK nation advising Scots","Answered, fact-specific","UK authorisation plus local-solution competence: C046, C053; S019, S022.","Exact FCA permissions and Scottish debt-solution knowledge."],["K-D03 Scottish provider advising outside UK","Partial","UK business may still exist under s418: C046; S005, S019.","Location of each performance element and foreign-law applicability."],["K-D04 Foreign provider advising Scots","Unresolved for a particular model","Section 418 establishes conditional UK-extension branches but no online-only bright line: C046; S005, S019.","Establishment, UK agents, management, contracts, jurisdictional exemptions, foreign home regulation."],["K-D05 Telephone, marketing, website, referral nexus","Partial","Classification depends on conduct and location; no automatic remote safe harbour: C008, C013–C014, C046; S013, S017, S019.","Actual workflow, caller location, decision location, marketing activity, territorial facts."],["K-D06 Scots mechanisms versus foreign recognition","Answered for boundary; excluded for recognition","Distinct Scots statutory gateways: C029–C030, C041–C042; S028, S040.","A098 separate choice-of-law/recognition/asset analysis, explicitly deferred."]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-E01 FCA firm/permission tools","Answered","Official checking instructions and classes: C043, C047; S026–S027.","Hypothetical consumer would compare legal entity + activity + restrictions + date."],["K-E02 AR/principal verification","Answered","C027, C047; S003, S026.","Principal's identity, written acceptance and scope; ordinary listing is not enough."],["K-E03 DAS adviser/distributor proof","Partial","Regulations identify competent DAS Administrator: C032, C035, C038; S030, S032, S035, S039.","Public comprehensive approved-adviser directory not established; request documentary approval evidence in a hypothetical future case rather than treating DAS debtor register as adviser proof."],["K-E04 IP professional search","Answered, limitation noted","Recognised bodies/licence test and incomplete government list: C024–C025, C051; S041, S045–S046.","Official authorising-body status and any limitation for actual individual; no person searched."],["K-E05 DAS debtor/insolvency registers","Answered","Both have limited record purposes: C050; S043–S044.","Do not use individual debtor entries to infer provider authorisation."],["K-E06 Documents and negative inference","Answered as verification design","Legal person, credit agreement, service, compensation, payments and role must match C001–C027, C047–C051; S001–S027, S041–S047.","Actual contracts/permission documents absent; no provider or settlement result verified."]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-F01 DAS/DPP adviser","Answered","Statutory approval distinct from private creditor negotiation: C029, C031–C037; S028–S034.","Programme procedure intentionally deferred."],["K-F02 Legal-person DAS debtor","Answered","IP-category adviser under reg8A: C033; S030–S031.","Entity form/actual IP classification for a real case."],["K-F03 Scottish sequestration trustee","Partial","IP/AiB capacities identified: C023–C025, C041; S040–S041.","Updated 2016 Act provisions, appointment and full sequestration mechanics later."],["K-F04 Protected-trust-deed trustee","Partial","Trustee qualification and protected status separated: C023–C025, C042; S040–S041.","Later statutory amendments and full PTD process separately."],["K-F05 Exclusion of non-Scots mechanism labels","Answered for classification","Scottish names positively located: C030; S028, S040–S041.","No import of IVA/DRO/DSA/PIA rules; country comparisons excluded."]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Coverage","Status","Finding and claim/source cross-reference","Exact missing evidence or next retrieval"],["K-G01 Bounded decision scenarios","Answered","Six hypotheticals G1–G6 cover commercial, nonprofit, IP, online/AR, creditor-side and DAS distributor/entity: C001–C048; S001–S047.","Each lists its own missing documents and check; no real entity tested."],["K-G02 Numeric safeguards","Answered","Two fully computed CONC10 examples, £5,000 and £20,000: C044–C045; S025 §§10.2.5–10.2.11.","Individual firm's accounting base; no asserted consumer payout or agency charge."],["K-G03 Unauthorised activity consequences","Partial","FSMA s23 offence elements located in dated source; no automatic debt-invalidity claim: C049; S006, S051–S052.","Current full s23 text, all defences/procedure and s26 onward before any remedy conclusion."],["K-G04 General reader opportunity questions","Answered as questions only","FCA and DAS distinctions support the neutral questions below: C008, C016, C021, C027, C033, C043, C048; S004, S017, S023, S030–S032, S047.","No website, tool, provider matching or actual advice workflow implemented."]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status and P01 boundary","Exact next research question"],["K-H01 Fee earning/commission models","Deferred; business classification only, C002, C019; S002, S016.","Which Scottish/UK rules permit or restrict direct debtor fees, creditor payments, commissions and indirect referral benefits for each provider class?"],["K-H02 When fees may be earned or collected","Deferred; FCA prudential resources are not fees, C044–C045; S025.","What advance-fee prohibitions, milestone-based charging rules and payment-timing restrictions actually apply to each debt-management or adviser service?"],["K-H03 Fee caps and amounts","Deferred; no consumer-fee amount accepted.","Are any price ceilings, prescribed percentages, actual-cost limitations or charging prohibitions in force for private negotiations, statutory advisers and particular debts?"],["K-H04 Cancellation and cooling-off","Deferred.","What contract cancellation rights, notices, cooling-off periods and service-specific exceptions apply to remote, telephone and in-person Scottish engagements?"],["K-H05 Refunds and failed programmes","Deferred.","When must charges be returned for cancellation, termination, failed creditor negotiation, misrepresentation or failure to perform?"],["K-H06 Contract formation and required terms","Deferred; authority is distinct from contract validity, C001, C049; S001, S051.","Which written agreements, consents, authorities, disclosure terms, duration, termination provisions and enforceability rules apply?"],["K-H07 Pre-contract and continuing disclosures","Deferred; preliminary CONC 8 applicability only, C007, C043; S022.","What must be disclosed about cost, risk, alternatives, creditors, credit impacts, missed payments, insolvency and expected performance?"],["K-H08 Advice suitability, affordability and vulnerable customers","Deferred; territorial guidance noted, C053; S022.","What exact FCA/Scottish standards, records and special protections govern suitability, affordable budgets, conflicts and vulnerable borrowers?"],["K-H09 Advertising, lead generation and referral conflicts","Deferred; activity classification only, C013–C014; S013, S022.","What financial-promotion, consumer-advertising, referral disclosure, incentive and steering rules apply to paid and free leads?"],["K-H10 Data, privacy, recording and marketing permissions","Deferred.","What UK GDPR, Data Protection Act, PECR, telephone consent, recording, sensitive-information and retention requirements apply to each workflow?"]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status and P01 boundary","Exact next research question"],["K-H11 Client-money holding and reconciliation","Deferred; payment-flow classification only, C048; S047.","Which FCA/client-money or other statutory rules govern receiving, segregating, reconciling, investing and returning debtors' funds?"],["K-H12 Payment-services authorisation and safeguarding","Deferred; only original PSR gateway identified, C048; S047.","What 2026 consolidated payment-services permissions, exemptions, small-institution conditions, safeguarding and insolvency protections apply to each funds-flow model?"],["K-H13 Professional client accounts, trust funds and insolvency monies","Deferred; IP caution ≠ client money, C024; S041.","What Scottish solicitors' accounts rules, professional PII, statutory trustee-money obligations and beneficial-ownership rules apply to funds?"],["K-H14 Consumer complaints and regulator/private redress","Deferred; official status-check limitations only, C047; S026–S027.","Which complaint recipient, Financial Ombudsman jurisdiction, Financial Services Compensation Scheme conditions and compensation exclusions apply by service and status?"],["K-H15 Regulatory action and professional discipline","Deferred; general prohibition classification only, C049; S006.","Which FCA, DAS Administrator, AiB and recognised-professional-body powers, sanctions, publication and appeal routes apply to each violation?"],["K-H16 Contract validity, restitution, damages and injunctions","Deferred; s26 body not obtained, S051.","What do current FSMA §§26–28, other relevant statutes and Scottish private law actually provide for contracts and consumer remedies after unauthorised activity?"],["K-H17 Informal debt-management products and consolidation","Deferred; private versus statutory distinction only, C029–C030; S028.","What are the legal characteristics of informal DMPs, individual settlements, refinancing, consolidation and secured restructuring, including creditor-consent limits?"],["K-H18 Debt collection, validation and disputes","Deferred; only the provider's 39F classification is answered, C011; S008.","What can Scottish debtors require or contest concerning creditor identity, assignments, amount, statements, evidence, collection conduct and dispute handling?"],["K-H19 Prescription, limitation and revival","Deferred.","Which Scottish prescriptive periods and interruption/relevant-claim/acknowledgment rules apply by debt type, judgment and payment history?"],["K-H20 Credit reporting","Deferred.","How must defaults, arrears, settlements, partial settlements, insolvencies and corrections be recorded, retained, challenged and removed?"]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status and P01 boundary","Exact next research question"],["K-H21 Courts, jurisdiction and service","Deferred.","Which Scottish court or tribunal hears each debt claim, and how do citation/service, jurisdiction, representation and procedural requirements operate?"],["K-H22 Default decisions, decrees, recall and appeals","Deferred.","How are undefended claims, decrees, recalls, challenges and appeals processed; what consequences follow, by procedure?"],["K-H23 Enforcement and diligence","Deferred.","What are the rules for Scottish attachment, earnings arrestment, bank arrestment, inhibition, exceptional attachment and other diligence, including notice and challenge?"],["K-H24 Exempt income, goods, homes and other property","Deferred.","Which income, benefits, wages, household goods and asset interests are protected from each creditor remedy or insolvency process?"],["K-H25 Secured lending, mortgages and repossession","Deferred; RAO 39J classification only, C017; S010.","Which security, default, pre-action, repossession, shortfall, ranking and home-protection rules govern Scottish mortgage and secured arrears?"],["K-H26 Rent and tenancy arrears","Deferred.","What are the separate protections and court/tribunal routes for private, social and other Scottish tenancies, including eviction and repayment agreements?"],["K-H27 Medical, utilities, telecom and service debts","Deferred.","Which category-specific collection, disconnection, billing-dispute, hardship and public-service obligations apply?"],["K-H28 Family support, maintenance, fines and penalties","Deferred.","Which child/spousal maintenance, criminal fines, penalties and other statutory liabilities have special collection priority or enforcement rules?"],["K-H29 Tax, council tax, government and other public debts","Deferred.","Which HMRC, Revenue Scotland, local-authority, overpayment and other public-debt procedures permit arrangements, deductions, disputes or special enforcement?"],["K-H30 Public financial assistance and free help","Deferred; local-authority/DAS adviser categories only, C020, C032; S011, S030.","What actual benefits, grants, hardship funds, public debt-advice availability and eligibility pathways exist in Scotland, and who may access them?"]]},{"headers":[],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status and P01 boundary","Exact next research question"],["K-H31 Complete DAS/DPP procedure","Deferred; adviser/distributor gateway only, C029–C040; S028–S039.","What are all current debtor eligibility rules, joint/entity routes, application steps, forms, creditor consideration, protections, variations, revocation, distribution fees and completion consequences?"],["K-H32 Complete sequestration/bankruptcy","Deferred; trustee qualification only, C023–C025, C041; S040–S041.","What are the current award, creditor/debtor application, Minimal Asset Process and other branches, forms, costs, protected assets, contributions, tax, discharge and review rules?"],["K-H33 Complete protected trust deeds","Deferred; trustee and statutory naming only, C023–C025, C042; S040–S041.","What are the current PTD eligibility, trustee obligations, creditor-consent/protection, forms, fees, distributions, termination and discharge consequences?"],["K-H34 Other business/partnership insolvency and guarantor interaction","Deferred; 390A licence scope and 8A entity adviser distinction only, C015–C016, C025, C033; S014–S016, S031, S041.","Which actual Scottish and UK regimes govern company, partnership, sole trader and guarantor obligations, without importing consumer routes?"],["K-H35 A098 foreign currencies and payment conversion","Deferred.","Which currency, exchange-rate, payment-location and conversion rules control a cross-border debt or settlement, and when?"],["K-H36 A098 choice of law, jurisdiction, judgments and recognition","Deferred; territorial FSMA classification only, C046; S005, S019.","Which law governs each debt/contract, which court has jurisdiction, and how are Scottish or foreign judgments/insolvencies recognised and enforced?"],["K-H37 A098 foreign assets, creditor location and moving abroad","Deferred.","How do overseas assets, a debtor's relocation, creditor residence and differing insolvency systems affect enforcement, participation and protection?"],["K-H38 All other local, sector, contract, profession and country questions","Excluded from P01.","Commission separate investigations of Scottish sector-specific law, local practice, professional indemnity/disciplinary rules, statutory interpretation and each other country or UK jurisdiction on its own primary authority."]]},{"headers":[],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Hold","Reason","What would close it"],["SC-HOLD-01 — RAO 39H","Consolidated article 39H body access failed. Original 2013 insertion and current FCA explanation were read, but special later creditor/debt-collection exceptions were not reconciled word by word.","Current operative article including amendments, savings and relevant effective dates."],["SC-HOLD-02 — RAO 39K","Original Scottish solicitor and advocacy limbs were read; current FCA summary was read; the complete amended consolidated provision was not retrievable.","Current art39K and relevant legal-profession/regulated legal-services amendments."],["SC-HOLD-03 — enterprise exemption","Exemption Order para40 current body was unavailable, despite a body-read amending text and current FCA guidance.","Current paragraph 40, full scheme definition and all conditions."],["SC-HOLD-04 — offence/remedy currency","FSMA s23 body was available only at a 2014 dated endpoint; current s26 body failed.","Present s23 and §§26–28 plus their relevant amendments, before stating any current criminal penalty or civil consequence."],["SC-HOLD-05 — payment services","The 2017 as-made Payment Services Regulations were read; subsequent amendments and all relevant exclusions were not reconciled for 2026.","Current PSR compilation, firm category, money-flow facts and applicable FCA guidance."],["SC-HOLD-06 — Scottish 2016 Act","Original enacted Scottish Act PDF read for limited trustee/PTD boundary; not all later amendments or commencement details were audited.","Current provisions 49–51 and 163–165, their amendments and transitional application by appointment/deed date."],["SC-HOLD-07 — statutory adviser evidence","No complete public DAS adviser-approval directory was established; DAS debtor records are not a substitute.","Verified official public approval-evidence method and precise status definition, without querying a real person in this pass."],["SC-HOLD-08 — professional authorisation","No specific IP, solicitor, accountant or firm was examined. Full relevant professional PII, Scottish caution amounts and supervision rules not exhaustively read.","Applicable present authorising-body rules and actual documents for a bounded hypothetical actor."],["SC-HOLD-09 — legacy providers","Original 2013/2014 transition located but full historic interim permission/savings were not reconstructed.","Transition instruments plus exact service dates, necessary only for a defined legacy-provider question."],["SC-HOLD-10 — customer/debt facts","No contracts, fee flows, debt schedules, guarantee instruments or private analytics were supplied or accessed.","Verified case-specific documents in a separately authorised application; no assumptions in P01."],["SC-HOLD-11 — other Scots practice","No judicial case was relied on for a contested holding, and no full Scottish case-law/citator search was attempted.","Material published primary decisions with posture, holdings, later-treatment qualifications where the next narrow component needs them."],["SC-HOLD-12 — jurisdictional completion","This is not a review of Scotland's entire debt law, England/Wales, Northern Ireland, Ireland or other countries.","Separate owned country and component investigations; no cross-adoption by assumption."]]},{"headers":[],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Register","Reconciliation","Result"],["Sources","S001–S047 47 body-read, S048 1 index-only, S049–S052 4 failed-current-text records","52, consecutive"],["Claims","C001–C028 28, C029–C053 25","53, consecutive"],["A coverage","K-A01–K-A14","14"],["B coverage","K-B01–K-B12","12"],["C coverage","K-C01–K-C10","10"],["D coverage","K-D01–K-D06","6"],["E coverage","K-E01–K-E06","6"],["F coverage","K-F01–K-F05","5"],["G coverage","K-G01–K-G04","4"],["Deferred H coverage","K-H01–K-H38","38"],["Total coverage","14 + 12 + 10 + 6 + 6 + 5 + 4 + 38","95"],["Hypothetical actor workflows","G1–G6","6"],["Sourced quantitative safeguard computations","Q1 £1m relevant debts; Q2 £10m relevant debts","2, both from CONC 10"],["Actual real-provider/person/consumer searches","None","0"],["Filings, contacts, purchases, applications or site changes","None","0"]]}],"claims":[{"claim_id":"C_SC-P01-C001","area_numbers":[97,98],"researcher_record":{"Claim":"C001","Atomic legal assertion, predicates and adverse branch":"FSMA s19(1) prohibits a person from carrying on or purporting to carry on a regulated activity in the UK unless authorised or exempt; the precise activity, person and territorial test must first be established.","Exact sources and confidence":"S001 §19(1). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S001"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C001","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S001"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R001"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C002","area_numbers":[97,98],"researcher_record":{"Claim":"C002","Atomic legal assertion, predicates and adverse branch":"FSMA s22(1), (1A) requires an activity specified by order by way of business in relation to the specified subject matter. A paid label or a free first appointment does not alone determine this statutory question.","Exact sources and confidence":"S002 §22(1), (1A); S018 PERG 2.3. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S002","C_SC-P01-S018"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C002","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S002"],"unreopened_cited_source_IDs":["C_SC-P01-S018"],"scoped_note":"s22 core checked; wider business test and PERG2.3 not reopened.","source_read_ids":["CSC1-R002"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C003","area_numbers":[97,98],"researcher_record":{"Claim":"C003","Atomic legal assertion, predicates and adverse branch":"An applicable UK FSMA authorisation/exemption and Scottish DAS approved-adviser status derive from different legal instruments; proof of one is insufficient proof of the other.","Exact sources and confidence":"S001 §19; S029–S033 regs7–10. H, logical legal distinction"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C003","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S001","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R001","CSC1-R005","CSC1-R006","CSC1-R007","CSC1-R008","CSC1-R013"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C004","area_numbers":[97,98],"researcher_record":{"Claim":"C004","Atomic legal assertion, predicates and adverse branch":"Negotiating with a lender on a borrower's behalf to discharge a debt due under a credit agreement is specified debt adjusting. Independent creditor settlement can meet RAO 39D(1)(a).","Exact sources and confidence":"S007 art39D(1)(a). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S007"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C004","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S007"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R003"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C005","area_numbers":[97,98],"researcher_record":{"Claim":"C005","Atomic legal assertion, predicates and adverse branch":"Taking over the borrower's credit-debt obligation in return for borrower payments, or a similar activity liquidating such debt, falls within 39D(1)(b)–(c). Mere technical payment forwarding must be separately characterised.","Exact sources and confidence":"S007 art39D(1)(b)–(c). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S007"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C005","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S007"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R003"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C006","area_numbers":[97,98],"researcher_record":{"Claim":"C006","Atomic legal assertion, predicates and adverse branch":"RAO 39D(2)(a)–(c) separately covers corresponding debt-adjusting conduct for obligations arising under a consumer hire agreement and its hirer/owner relationship.","Exact sources and confidence":"S007 art39D(2). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S007"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C006","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S007"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R003"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C007","area_numbers":[97,98],"researcher_record":{"Claim":"C007","Atomic legal assertion, predicates and adverse branch":"Giving a borrower advice about liquidation of debt under a credit agreement, or a hirer under consumer hire, is the RAO 39E counselling activity; it can concern future contractual payments, not only defaults.","Exact sources and confidence":"S016 art5 inserted 39E; S017 PERG 17.1 Q1.2, 17.2 Q2.1, 17.3 Q3.1–3.2. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C007","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016","C_SC-P01-S017"],"unreopened_cited_source_IDs":[],"scoped_note":"Current FCA interpretation read; dated statutory39E linked body failed once and current complete statutory version remains unverified.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023","CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C008","area_numbers":[97,98],"researcher_record":{"Claim":"C008","Atomic legal assertion, predicates and adverse branch":"Advice about a particular borrower and debt that guides the debtor's action can be 39E counselling; impersonal neutral information normally is not. A personalised web decision tree is not exempt simply for being automated.","Exact sources and confidence":"S017 PERG 17.4 Q4.1 and 17.5 Q5.1–5.5. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C008","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S017"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C009","area_numbers":[97,98],"researcher_record":{"Claim":"C009","Atomic legal assertion, predicates and adverse branch":"If integrated debtor advice covers both qualifying credit debts and other debts, it can still constitute regulated counselling; non-credit debts in the same recommendation do not automatically strip out 39E.","Exact sources and confidence":"S017 PERG 17.3 Q3.3. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C009","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S017"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C010","area_numbers":[97,98],"researcher_record":{"Claim":"C010","Atomic legal assertion, predicates and adverse branch":"RAO adjusting/counselling concern credit agreements and consumer hire whether the agreement is itself regulated or not; an isolated non-credit public liability is not thereby a credit agreement. The particular underlying instrument decides.","Exact sources and confidence":"S014 art60B(3); S022 CONC 8.1.4G; S017 PERG 17.3 Q3.3. H for distinction; M for unsupplied contracts"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S014","C_SC-P01-S022","C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C010","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S022","C_SC-P01-S017"],"unreopened_cited_source_IDs":["C_SC-P01-S014"],"scoped_note":"CONC8.1.4 regulator distinction checked; underlying dated60B definitions not freshly read.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023","CSC1-R041","CSC1-R045","CSC1-R050","CSC1-R051","CSC1-R054"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C011","area_numbers":[97,98],"researcher_record":{"Claim":"C011","Atomic legal assertion, predicates and adverse branch":"Steps taken to procure payment of a debt in the RAO's defined creditor-side agreements can constitute 39F debt collecting; this does not automatically authorise giving debtor-side 39E advice.","Exact sources and confidence":"S008 art39F(1)–(4); S016 art5. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S008","C_SC-P01-S016"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C011","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S008"],"scoped_note":"Current39F body unreopened.","source_read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C012","area_numbers":[97,98],"researcher_record":{"Claim":"C012","Atomic legal assertion, predicates and adverse branch":"Performing duties or exercising/enforcing lender/owner rights under the defined credit/hire agreements can constitute 39G debt administration; not every administration of a debtor's private plan qualifies.","Exact sources and confidence":"S009 art39G(1)–(4). H"},"raw_table_index":11,"coordinator_verification_status":"reconciled_original_sources_not_freshly_verified","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S009"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C012","status":"reconciled_original_sources_not_freshly_verified","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S009"],"scoped_note":"Current39G body unreopened.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C013","area_numbers":[97,98],"researcher_record":{"Claim":"C013","Atomic legal assertion, predicates and adverse branch":"Qualifying introductions related to new credit or consumer hire may constitute credit broking under 36A; referral to a debt-advice business alone does not prove the same act.","Exact sources and confidence":"S013 art36A(1), (3), (4). H for defined activity; M for unidentified referral"},"raw_table_index":11,"coordinator_verification_status":"reconciled_original_sources_not_freshly_verified","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S013"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C013","status":"reconciled_original_sources_not_freshly_verified","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S013"],"scoped_note":"Current36A body and all exceptions unreopened.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C014","area_numbers":[97,98],"researcher_record":{"Claim":"C014","Atomic legal assertion, predicates and adverse branch":"The legal effect of software outputs turns on personalised debt advice and control, not the fact that a machine generates them; “information only” terms cannot override the substance.","Exact sources and confidence":"S017 PERG 17.4–17.7. H as FCA perimeter interpretation"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C014","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S017"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C015","area_numbers":[97,98],"researcher_record":{"Claim":"C015","Atomic legal assertion, predicates and adverse branch":"RAO 60B(3) uses a credit-agreement definition involving an individual or relevant recipient of credit; entity form, partnership composition and exemptions must be established before classifying business borrowing.","Exact sources and confidence":"S014 art60B(3), related Chapter 14A definitions. H definition; M unspecified structures"},"raw_table_index":11,"coordinator_verification_status":"reconciled_original_sources_not_freshly_verified","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S014"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C015","status":"reconciled_original_sources_not_freshly_verified","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S014"],"scoped_note":"Dated60B and related definitions unreopened; entity-specific application held.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C016","area_numbers":[97,98],"researcher_record":{"Claim":"C016","Atomic legal assertion, predicates and adverse branch":"A guarantor/third-party payer is not automatically the borrower addressed by 39E. 39M's additional guarantee-related consumer rules concern specified 39F/39G contexts, not a universal rewrite of 39E.","Exact sources and confidence":"S015 art60L; S016 inserted art39M(1)–(3); S017 PERG 17.4 Q4.2. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C016","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016","C_SC-P01-S017"],"unreopened_cited_source_IDs":["C_SC-P01-S015"],"scoped_note":"Recipient distinction supported by PERG17; full60L/current39M not freshly read.","source_read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023","CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C017","area_numbers":[97,98],"researcher_record":{"Claim":"C017","Atomic legal assertion, predicates and adverse branch":"Amended RAO 39J excludes defined mortgage/home-purchase debt activities to the extent the same conduct constitutes another Part II regulated activity; it is not an exclusion of every mortgage-related negotiation.","Exact sources and confidence":"S010 art39J, substituted by SI 2014/366. H"},"raw_table_index":11,"coordinator_verification_status":"reconciled_original_sources_not_freshly_verified","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S010"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C017","status":"reconciled_original_sources_not_freshly_verified","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S010"],"scoped_note":"Current39J body unreopened; no wholesale mortgage exclusion accepted.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C018","area_numbers":[97,98],"researcher_record":{"Claim":"C018","Atomic legal assertion, predicates and adverse branch":"39H contains agreement-connection exclusions for specified lenders/owners/suppliers and other qualifying persons. An independent debt collector, assignee or service provider must prove the exact connection and later-amendment position.","Exact sources and confidence":"S016 inserted 39H(1)–(5); S020 PERG 2.8.7C(1)–(3); S049 current access failure. M, special exceptions unresolved"},"raw_table_index":11,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S049"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C018","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S020","C_SC-P01-S049"],"scoped_note":"Original current39H failure preserved; selected historical insertion is not current recovery.","source_read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C019","area_numbers":[97,98],"researcher_record":{"Claim":"C019","Atomic legal assertion, predicates and adverse branch":"A constitutionally qualifying not-for-profit body carrying on 39D/39E or 89A activities regularly is deemed to carry them on by way of business under business-order 3E; a body doing the activity only occasionally is excepted from that deeming provision.","Exact sources and confidence":"S016 art13 inserted 3E(1)–(4); S018 PERG 2.3. H for inserted text; M any later unreviewed amendment"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S018"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C019","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S018"],"scoped_note":"Selected2014-amended3E read; later amendment chain and constitution/frequency facts unverified.","source_read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C020","area_numbers":[97,98],"researcher_record":{"Claim":"C020","Atomic legal assertion, predicates and adverse branch":"RAO 72G(3) provides a local-authority capacity exclusion for arts39D–39G; a contractor or separate subsidiary cannot invoke the authority's status without meeting the exact text.","Exact sources and confidence":"S011 art72G(3), (3A); S016 art14 Sch para47 amendment. H for direct local-authority branch"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S011","C_SC-P01-S016"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C020","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S011","C_SC-P01-S016"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R026","CSC1-R027","CSC1-R035","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C021","area_numbers":[97,98],"researcher_record":{"Claim":"C021","Atomic legal assertion, predicates and adverse branch":"Legal/professional exceptions are capacity restricted: RAO 39K for advocacy/litigation activities and FSMA 327 only where designated-professional-body, incidental-service, reward and other conditions hold. A Scottish solicitor/accountant title alone is insufficient.","Exact sources and confidence":"S004 §327(1)–(9); S016 inserted 39K(1)(c); S020 PERG 2.8.7C(5); S050. H s327; M exact updated 39K wording"},"raw_table_index":11,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S004","C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S050"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C021","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":["C_SC-P01-S004","C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S020","C_SC-P01-S050"],"scoped_note":"s327 checked; current39K failure and designated-body rules remain held.","source_read_ids":["CSC1-R010","CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C022","area_numbers":[97,98],"researcher_record":{"Claim":"C022","Atomic legal assertion, predicates and adverse branch":"RAO 72H(1)–(2) excludes 39D–39G acts performed while acting as an IP; 72H(3) covers 39D/39E in reasonable contemplation of appointment, not all outside consulting.","Exact sources and confidence":"S012 art72H(1)–(3). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S012"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C022","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S012"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R012"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C023","area_numbers":[97,98],"researcher_record":{"Claim":"C023","Atomic legal assertion, predicates and adverse branch":"Insolvency Act 388(2)(a)–(b) identifies a trustee/interim trustee in Scots sequestration and a Scottish trust-deed trustee as persons acting in IP capacity; 388(5) excludes AiB from that statutory description for AiB's separate powers.","Exact sources and confidence":"S041 §388(2), (5). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C023","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected388(2)/(5) read; no actual appointment.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C024","area_numbers":[97,98],"researcher_record":{"Claim":"C024","Atomic legal assertion, predicates and adverse branch":"Insolvency Act 390(1)–(3) requires an individual, appropriate authorisation and appointment-specific security or, in Scotland, caution; excluded-status conditions also apply. A firm's brand or employee title does not satisfy these requirements.","Exact sources and confidence":"S041 §390(1)–(5). H, exact prescribed caution amount not determined"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C024","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected390(1)-(5) context read; prescribed caution requirements/amount and personal status absent.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C025","area_numbers":[97,98],"researcher_record":{"Claim":"C025","Atomic legal assertion, predicates and adverse branch":"Insolvency Act 390A(1)–(3) differentiates full authorisation for company/individual/partnership work from partial individual-only or company-only authority, subject to the recognised body's rules and further partnership restrictions.","Exact sources and confidence":"S041 §§390A–390B, 391(1). H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C025","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":[],"scoped_note":"390A definitions/body and selected390B restrictions read; not wholePartXIII.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C026","area_numbers":[97,98],"researcher_record":{"Claim":"C026","Atomic legal assertion, predicates and adverse branch":"The Exemption Order provides specified role-based relief for an official receiver or judicial factor, and for a person acting as an IP, under the relevant Schedule 52 terms; the identity and actual statutory capacity must be established.","Exact sources and confidence":"S016 art14 inserting Sch para52(1)–(3); S021 PERG 2.11.2. H original text/regulator; capacity-specific"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S021"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C026","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S021"],"scoped_note":"Historical exemption52 text selected; current exemption consolidation/capacity not certified.","source_read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C027","area_numbers":[97,98],"researcher_record":{"Claim":"C027","Atomic legal assertion, predicates and adverse branch":"FSMA 39 permits relevant appointed-representative activity only with an appropriately authorised principal and the requisite written responsibility arrangement for permitted descriptions; debt adjusting/counselling/collecting/administration were added to designated activities in the 2013 regulations.","Exact sources and confidence":"S003 §39(1); S016 art15 inserting reg2(1)(ad)–(ag); S026 AR guidance. H"},"raw_table_index":11,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S003","C_SC-P01-S016","C_SC-P01-S026"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C027","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S003","C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S026"],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R011","CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R048","CSC1-R052","CSC1-R053"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C028","area_numbers":[97,98],"researcher_record":{"Claim":"C028","Atomic legal assertion, predicates and adverse branch":"The Exemption Order Schedule paragraph 40 applies to a defined enterprise scheme and, for specified financial activities, demands absence of direct or indirect pecuniary gain, with reasonable scheme-cost recovery treated differently. It is not a charity-wide exception.","Exact sources and confidence":"S016 art14(2); S021 PERG 2.11.5; S048 indexed paragraph40. M, full current scheme qualification not body read"},"raw_table_index":11,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S021","C_SC-P01-S048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C028","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":["C_SC-P01-S016"],"unreopened_cited_source_IDs":["C_SC-P01-S021","C_SC-P01-S048"],"scoped_note":"Original paragraph40 index/full-body failure retained; historical amendment not full definition.","source_read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C029","area_numbers":[97,98],"researcher_record":{"Claim":"C029","Atomic legal assertion, predicates and adverse branch":"The Scottish Debt Arrangement Scheme has a statutory basis in the 2002 Scottish Act and the 2011 DAS regulations; its DPP is a Scottish statutory debt-payment mechanism, distinct from a private plan.","Exact sources and confidence":"S028 §§1–3; S029 reg7; S039 AiB roles. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S039"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C029","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S029"],"unreopened_cited_source_IDs":["C_SC-P01-S028","C_SC-P01-S039"],"scoped_note":"DAS regulation7 checked;2002Act as-enacted PDF unreopened.","source_read_ids":["CSC1-R013"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C030","area_numbers":[97,98],"researcher_record":{"Claim":"C030","Atomic legal assertion, predicates and adverse branch":"For Scotland, the identified statutory mechanism names are DAS/DPP, sequestration and Scottish protected trust deed; England/Wales IVA/DRO and Irish DSA/PIA labels do not describe these Scottish statutory routes.","Exact sources and confidence":"S028 §§1–3; S040 §§49–51, 163–165; S041 §388. H for positively identified Scots routes; not an exhaustive local-products audit"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S040","C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C030","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":["C_SC-P01-S028","C_SC-P01-S040"],"scoped_note":"Positive names supported by selected388 and DAS regulations;2016Actas-enacted PDF unreopened.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C031","area_numbers":[97,98],"researcher_record":{"Claim":"C031","Atomic legal assertion, predicates and adverse branch":"DAS regulation 7(1)–(2) requires an approved money adviser and sets the specified adviser–debtor association restriction.","Exact sources and confidence":"S029 reg7(1)–(2). H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S029"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C031","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S029"],"unreopened_cited_source_IDs":[],"scoped_note":"Express7(1)-(2) claim supported;7(3) is deferred conduct annotation, not omitted core claim wording.","source_read_ids":["CSC1-R013"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C032","area_numbers":[97,98],"researcher_record":{"Claim":"C032","Atomic legal assertion, predicates and adverse branch":"DAS regulation 8(a)–(f) lists six routes to approved-money-adviser status, all subject to regulation 10; organisational association must satisfy the specified route rather than generic charity affiliation.","Exact sources and confidence":"S030 reg8(a)–(f); S033 reg10. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S030","C_SC-P01-S033"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C032","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S030","C_SC-P01-S033"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R005","CSC1-R008"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C033","area_numbers":[97,98],"researcher_record":{"Claim":"C033","Atomic legal assertion, predicates and adverse branch":"DAS regulation 8A requires a debtor that is a legal person, trust or unincorporated body to use an adviser in the regulation 8(a) qualified-IP category.","Exact sources and confidence":"S031 reg8A; S030 reg8(a). H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S031","C_SC-P01-S030"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C033","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S031","C_SC-P01-S030"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R005","CSC1-R006"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C034","area_numbers":[97,98],"researcher_record":{"Claim":"C034","Atomic legal assertion, predicates and adverse branch":"DAS regulation 10(a)–(g) disqualifies the specified enforcement/debt-collection persons, certain commercial advisers (with listed narrow exceptions), persons with specified convictions/restrictions, and suspended/revoked advisers.","Exact sources and confidence":"S033 reg10(a)–(g). H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S033"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C034","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S033"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R008"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C035","area_numbers":[97,98],"researcher_record":{"Claim":"C035","Atomic legal assertion, predicates and adverse branch":"Individual DAS adviser approval under regulation 9(1)(d) requires a Level 2 disclosure dated less than 12 months before application; SSI 2025/74 effected this amendment on 1 April 2025.","Exact sources and confidence":"S032 reg9(1)(d), amendment annotation; S038 conflicting older guidance. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S032","C_SC-P01-S038"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C035","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S032","C_SC-P01-S038"],"unreopened_cited_source_IDs":[],"scoped_note":"Fresh9(1)(d) and2025 annotation support Level2 requirement; oldAiBcertificate wording remains a dated guidance conflict.","source_read_ids":["CSC1-R007","CSC1-R020"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C036","area_numbers":[97,98],"researcher_record":{"Claim":"C036","Atomic legal assertion, predicates and adverse branch":"DAS regulation 11 provides for cessation, suspension/revocation of individual approved-money-adviser status on stated grounds, including applicable compliance arrangements. Status cannot be assumed permanent.","Exact sources and confidence":"S034 reg11(1), (1A). H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S034"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C036","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S034"],"unreopened_cited_source_IDs":[],"scoped_note":"Regulation11 complete body checked with ANN002 scope; no general suspension-ground acceptance.","source_read_ids":["CSC1-R014"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C037","area_numbers":[97,98],"researcher_record":{"Claim":"C037","Atomic legal assertion, predicates and adverse branch":"For an individual DAS adviser under regulation 9, the DAS Administrator evaluates relevant training, fitness, regulation 10 exclusion and appropriate FCA compliance arrangements where applicable; this scrutiny does not itself grant FCA permission.","Exact sources and confidence":"S032 reg9(1)–(2). H"},"raw_table_index":12,"coordinator_verification_status":"bounded_material_gateway_coverage_correction_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S032"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C037","status":"bounded_material_gateway_coverage_correction_UNSENT","fresh_source_IDs_with_selected_reads":["C_SC-P01-S032"],"unreopened_cited_source_IDs":[],"scoped_note":"General9 predicates corroborated; required Schedule3 contents unread: Q001.","source_read_ids":["CSC1-R007"],"finding_ids":["C_SC-P01-Q001"],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C038","area_numbers":[97,98],"researcher_record":{"Claim":"C038","Atomic legal assertion, predicates and adverse branch":"DAS regulation 14 establishes a separate approved payments-distributor role, determined by the DAS Administrator against the regulation's conditions. It does not merge with money-adviser approval.","Exact sources and confidence":"S035 reg14(1), (3)–(7); S039 AiB roles. H"},"raw_table_index":12,"coordinator_verification_status":"bounded_material_gateway_coverage_correction_UNSENT","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S035","C_SC-P01-S039"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C038","status":"bounded_material_gateway_coverage_correction_UNSENT","fresh_source_IDs_with_selected_reads":["C_SC-P01-S035"],"unreopened_cited_source_IDs":["C_SC-P01-S039"],"scoped_note":"Separate14 route corroborated; required Schedule4 contents unread: Q001.","source_read_ids":["CSC1-R015"],"finding_ids":["C_SC-P01-Q001"],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C039","area_numbers":[97,98],"researcher_record":{"Claim":"C039","Atomic legal assertion, predicates and adverse branch":"DAS regulation 15 provides for revocation/removal of payments-distributor approval; designation cannot be inferred merely from collecting monthly debtor payments.","Exact sources and confidence":"S036 reg15. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S036"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C039","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S036"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R016"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C040","area_numbers":[97,98],"researcher_record":{"Claim":"C040","Atomic legal assertion, predicates and adverse branch":"The former DAS regulation 13 approval provision was revoked effective 4 November 2019; using it as a live 2026 route would be wrong.","Exact sources and confidence":"S037 reg13 annotations. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S037"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C040","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S037"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R044"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C041","area_numbers":[97,98],"researcher_record":{"Claim":"C041","Atomic legal assertion, predicates and adverse branch":"Under the Scottish Bankruptcy (Scotland) Act 2016, as enacted, ss49–51 impose trustee qualifications/disqualifications and allocate trustee appointment pathways involving qualified persons and AiB.","Exact sources and confidence":"S040 §§49–51, printed pp36–40, PDF indices46–50. M, enacted-version later amendments not fully checked"},"raw_table_index":12,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S040"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C041","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S040"],"scoped_note":"2016Act enactedPDF unreopened; later amendments and present trustee process held.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C042","area_numbers":[97,98],"researcher_record":{"Claim":"C042","Atomic legal assertion, predicates and adverse branch":"Under the 2016 Scottish Act as enacted, ss163–165 distinguish protected-trust-deed statutory recognition/recording from the qualified trustee role; a private settlement negotiator is not thereby a PTD trustee.","Exact sources and confidence":"S040 §§163–165, printed pp119–120, PDF indices130–131; S041 §388(2)(b). M, subsequent consolidated provisions held"},"raw_table_index":12,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C042","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":["C_SC-P01-S040"],"scoped_note":"2016Act enactedPDF unreopened; later amendments and PTD process held.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C043","area_numbers":[97,98],"researcher_record":{"Claim":"C043","Atomic legal assertion, predicates and adverse branch":"FCA limited consumer-credit permission may cover the full defined not-for-profit adjusting/counselling activities; commercial providers cannot assume that entitlement, and actual permission limitations may exclude DMP work.","Exact sources and confidence":"S023 PDF index1; S024 FCA debt-permission restrictions. H for FCA guidance, M case-specific statutory category"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S023","C_SC-P01-S024"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C043","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S024"],"unreopened_cited_source_IDs":["C_SC-P01-S023"],"scoped_note":"FCA limitation guidance selected; limited-permission application PDF/statutory category not freshly read.","source_read_ids":["CSC1-R042","CSC1-R043","CSC1-R046"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C044","area_numbers":[97,98],"researcher_record":{"Claim":"C044","Atomic legal assertion, predicates and adverse branch":"FCA CONC 10 applies to debt-management firms and to certain not-for-profit advice bodies meeting the specified £1 million client-money historic/projected threshold, subject to express professional-firm application provisions.","Exact sources and confidence":"S025 CONC 10.1.1R–10.1.2R. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S025"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C044","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S025"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R004","CSC1-R017","CSC1-R021"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C045","area_numbers":[97,98],"researcher_record":{"Claim":"C045","Atomic legal assertion, predicates and adverse branch":"CONC 10.2.5R/10.2.8R sets the percentage tiers 0.25%/0.15%/0.05% and £5,000 minimum, subject to its calculation base, projected initial period, higher overlapping rules and recalculation requirements.","Exact sources and confidence":"S025 CONC 10.2.4–2.14; 10.2.11G. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S025"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C045","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S025"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R004","CSC1-R017","CSC1-R021"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C046","area_numbers":[97,98],"researcher_record":{"Claim":"C046","Atomic legal assertion, predicates and adverse branch":"FSMA's UK territorial test is modified by s418 for specified UK management/establishment situations; a nonresident website or foreign client is not by itself dispositive of where regulated activity is carried on.","Exact sources and confidence":"S001 §19; S005 §418; S019 PERG 2.4.1–2.4.3. H for identified tests; M unknown cross-border facts"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S005","C_SC-P01-S019"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C046","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S001","C_SC-P01-S005","C_SC-P01-S019"],"unreopened_cited_source_IDs":[],"scoped_note":"Selected cited primary text supports the narrow proposition; remaining cited-source bounds and actual application are retained.","source_read_ids":["CSC1-R001","CSC1-R025","CSC1-R034","CSC1-R036","CSC1-R040","CSC1-R047"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C047","area_numbers":[97,98],"researcher_record":{"Claim":"C047","Atomic legal assertion, predicates and adverse branch":"A consumer can distinguish FCA authorised firm, permitted activities/limitations, AR and principal, and mere registered status using official Firm Checker/Register guidance; no listing warrants every service.","Exact sources and confidence":"S026 public instructions; S027 Register scope; S003 §39. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S026","C_SC-P01-S027","C_SC-P01-S003"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C047","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S003"],"unreopened_cited_source_IDs":["C_SC-P01-S026","C_SC-P01-S027"],"scoped_note":"FSMA39 scope checked; actual checker/register instructions unreopened and no person/entity lookup.","source_read_ids":["CSC1-R011","CSC1-R048","CSC1-R053"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C048","area_numbers":[97,98],"researcher_record":{"Claim":"C048","Atomic legal assertion, predicates and adverse branch":"Receiving funds for transfer to creditors without payer/payee accounts can satisfy the money-remittance definition; payment services are a potentially separate authorisation/registration question, subject to current regulations and exclusions.","Exact sources and confidence":"S047 original PSR 2017 reg2, Sch1 paras1–2, reg138. M, original 2017 only; 2026 consolidated payment gateway not certified"},"raw_table_index":12,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C048","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S047"],"scoped_note":"Original2017PSRPDF unreopened; current amended gateway/exclusions unverified.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C049","area_numbers":[97,98],"researcher_record":{"Claim":"C049","Atomic legal assertion, predicates and adverse branch":"A breach of FSMA's general prohibition can constitute an authorisation offence under s23(1), subject to statutory elements and defences; the 2014 text also contains the distinct out-of-permission credit-related provision and due-diligence defence. This does not itself establish invalidity of an underlying consumer debt.","Exact sources and confidence":"S006 dated §23(1), (1A)–(1G), (3)–(5); S052 current fetch failure. M/L for 2026 currency; no private remedy conclusion"},"raw_table_index":12,"coordinator_verification_status":"reconciled_version_source_or_currentness_hold","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S006","C_SC-P01-S052"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C049","status":"reconciled_version_source_or_currentness_hold","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S006","C_SC-P01-S052"],"scoped_note":"Dated2014s23 and current23/26 failures retained; no remedy or invalidity accepted.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C050","area_numbers":[97,98],"researcher_record":{"Claim":"C050","Atomic legal assertion, predicates and adverse branch":"AiB's DAS Register and Register of Insolvencies concern recorded programmes/insolvency events; neither is by itself proof of the professional approval or FCA activity permission of a service provider.","Exact sources and confidence":"S043 DAS register; S044 ROI; S032 reg9. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S043","C_SC-P01-S044","C_SC-P01-S032"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C050","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S032"],"unreopened_cited_source_IDs":["C_SC-P01-S043","C_SC-P01-S044"],"scoped_note":"Public registry purpose pages unreopened; no entries inspected.","source_read_ids":["CSC1-R007"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C051","area_numbers":[97,98],"researcher_record":{"Claim":"C051","Atomic legal assertion, predicates and adverse branch":"The government's insolvency-practitioner public search is expressly incomplete; licensing capacity depends on the recognised professional body and statutory criteria, so absence from that search is not conclusive.","Exact sources and confidence":"S046 public search limitation; S045 regulator/body inventory; S041 §§390–391. H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S046","C_SC-P01-S045","C_SC-P01-S041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C051","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S041"],"unreopened_cited_source_IDs":["C_SC-P01-S046","C_SC-P01-S045"],"scoped_note":"IP lookup instructions/body inventory unreopened; no practitioner lookup or absence inference.","source_read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C052","area_numbers":[97,98],"researcher_record":{"Claim":"C052","Atomic legal assertion, predicates and adverse branch":"Appointment of an IP over an FCA-authorised firm does not automatically extinguish the firm's continuing financial-regulatory status or obligations; FCA and IP professional regulation have different subjects.","Exact sources and confidence":"S042 FG25/2 introduction and relevant appointment paragraphs. H as FCA published guidance"},"raw_table_index":12,"coordinator_verification_status":"reconciled_original_sources_not_freshly_verified","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S042"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C052","status":"reconciled_original_sources_not_freshly_verified","fresh_source_IDs_with_selected_reads":[],"unreopened_cited_source_IDs":["C_SC-P01-S042"],"scoped_note":"FG25/2 PDF unreopened; attribution remains researcher2026-10-26 only.","source_read_ids":[],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"claim_id":"C_SC-P01-C053","area_numbers":[97,98],"researcher_record":{"Claim":"C053","Atomic legal assertion, predicates and adverse branch":"FCA CONC 8.2.2G, revised 26 June 2026, identifies differing debt solutions/enforcement between UK countries as material to appropriate debt advice. UK authorisation does not justify importing another country's statutory solution names into Scotland.","Exact sources and confidence":"S022 CONC 8.2.2G(1)–(3). H"},"raw_table_index":12,"coordinator_verification_status":"scoped_selected_evidence_corroboration_remaining_holds","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_source_ids":["C_SC-P01-S022"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"claim_id":"C_SC-P01-C053","status":"scoped_selected_evidence_corroboration_remaining_holds","fresh_source_IDs_with_selected_reads":["C_SC-P01-S022"],"unreopened_cited_source_IDs":[],"scoped_note":"CONC8.2.2G country distinction and26/06/2026 date checked; not full conduct requirements.","source_read_ids":["CSC1-R041","CSC1-R045","CSC1-R050","CSC1-R051","CSC1-R054"],"finding_ids":[],"all_predicates_primary_verified":false,"actual_application_accepted":false,"independent_review":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"sources":[{"source_id":"C_SC-P01-S001","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S001","Issuer, title and full direct URL":"UK Parliament, Financial Services and Markets Act 2000, s19. https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s19(1); general prohibition; UK including Scotland, any person undertaking UK regulated business. Body read, legislation.gov.uk text returned 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S001","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/19/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R001"],"scope_note":"Complete selected s19 general-prohibition body; no actual provider determination.","selected_complete_operative_body_lines_inclusive":[8,19],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S002","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S002","Issuer, title and full direct URL":"UK Parliament, FSMA 2000, s22. https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s22(1), (1A); prescribed activity/investment/property and business; UK. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S002","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/22/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R002"],"scope_note":"Complete selected s22 activity framework; related PERG2.3 business detail unreopened.","selected_complete_operative_body_lines_inclusive":[8,64],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S003","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S003","Issuer, title and full direct URL":"UK Parliament, FSMA 2000, s39. https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s39(1), (1A), associated restrictions; authorised principal, representative contract and accepted responsibility; UK. Body read, consolidated text 2026-10-26; later provision amendments noted. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S003","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/39/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R011","CSC1-R048","CSC1-R053"],"scope_note":"Selected s39 body and responsibility provisions through subsection6; full annotations/amendment audit not performed.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S004","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S004","Issuer, title and full direct URL":"UK Parliament, FSMA 2000, s327. https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s327(1)–(9); designated-profession incidental-service exemption, reward and activity restrictions; UK/Scottish professionals. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S004","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/327/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R010"],"scope_note":"Complete selected s327 exemption body; profession-specific current rules remain unread.","selected_complete_operative_body_lines_inclusive":[6,97],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S005","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S005","Issuer, title and full direct URL":"UK Parliament, FSMA 2000, s418. https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s418(1), (3)–(8) as relevant; deeming UK territorial activity; cross-border providers. Body read, 2026-10-26; other specialised branches not comprehensively adjudicated. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S005","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/418/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R025","CSC1-R036"],"scope_note":"Selected s418 UK-management/establishment text and context, not all specialised branches.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S006","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S006","Issuer, title and full direct URL":"UK Parliament, FSMA 2000, s23, dated consolidation. https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"s23(1), (1A)–(1G), (3)–(5); general prohibition and credit-related permission offences, due-diligence defence. 2014-02-28 snapshot body read, fetched 2026-10-26; not certified current to 2026. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S006","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/2014-02-28/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S007","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S007","Issuer, title and full direct URL":"HM Treasury, FSMA (Regulated Activities) Order 2001, SI 2001/544, art39D. https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"39D(1)(a)–(c), (2)(a)–(c); debt adjusting, borrower/lender and consumer hire; UK. Current displayed body read, inserted 2013/operative generally 2014. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S007","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39D/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R003"],"scope_note":"Complete39D body credit/hire alternatives; actual instrument and actor facts remain absent.","selected_complete_operative_body_lines_inclusive":[10,40],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S008","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S008","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art39F. https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"39F(1)–(4); creditor-side debt collecting, credit/hire and specified P2P branches. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S008","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39F/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S009","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S009","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art39G. https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"39G(1)–(4); debt administration—specified rights/duties; agreement-related actors. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S009","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39G/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S010","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S010","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art39J. https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"39J; qualified mortgage/home-purchase overlap exclusion, as amended by SI 2014/366 art2(14). Current displayed body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S010","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39J/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S011","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S011","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art72G. https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"72G(3) and (3A); local authority debt activities and limits on extending exclusion to other persons. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S011","url":"https://www.legislation.gov.uk/uksi/2001/544/article/72G/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R026","CSC1-R035"],"scope_note":"Selected72G(3)/(3A) local-authority distinction; no contractor or subsidiary approval.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S012","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S012","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art72H. https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"72H(1)–(5); IP acting capacity and anticipated appointment; 2026 crypto/targeted-support annotations are separate activities. Current displayed body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S012","url":"https://www.legislation.gov.uk/uksi/2001/544/article/72H/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R012"],"scope_note":"Complete72H body, including distinct appointment and anticipated-appointment capacities; annotations not a full commencement audit.","selected_complete_operative_body_lines_inclusive":[8,115],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S013","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S013","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art36A. https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"36A(1), (3), (4); credit broking and qualifying new-credit introductions. Body read, 2026-10-26; individual exclusion predicates need fact-specific matching. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S013","url":"https://www.legislation.gov.uk/uksi/2001/544/article/36A/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S014","urls":["https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S014","Issuer, title and full direct URL":"HM Treasury, RAO 2001, Chapter 14A, dated 2026-07-15. https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"60B(1)–(3), related credit-agreement/exemption definitions; individual/relevant recipient of credit; UK. Dated 2026-07-15 consolidation body read; not a proof of every subsequent change. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S014","url":"https://www.legislation.gov.uk/uksi/2001/544/part/II/chapter/14A/crossheading/the-activities/2026-07-15/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S015","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S015","Issuer, title and full direct URL":"HM Treasury, RAO 2001, art60L. https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"60L(1), relevant defined terms; borrower/lender/credit/security, relevant to guarantees but not a blanket expansion of 39E. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S015","url":"https://www.legislation.gov.uk/uksi/2001/544/article/60L/data.html","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S016","urls":["https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html","https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S016","Issuer, title and full direct URL":"HM Treasury, FSMA (Regulated Activities) (Amendment) (No. 2) Order 2013, SI 2013/1881, 2014-06-27 dated text. https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"arts 5, 13–15: insertion of RAO 39D–39M, business-order 3E, Exemption Order Sch para 40/47/52, and Appointed Representatives Regulations reg2 debt activities. Historic amending text body read, 2026-10-26; original insertion not used alone to claim unchanged 2026 consolidation. \nlegislation.gov.uk\n+1"},"coordinator_verification_status":"fresh_selected_historical_amendment_read_currentness_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S016","url":"https://www.legislation.gov.uk/uksi/2013/1881/2014-06-27/data.html","status":"fresh_selected_historical_amendment_read_currentness_held","read_ids":["CSC1-R027","CSC1-R037","CSC1-R038","CSC1-R039","CSC1-R052"],"scope_note":"Dated2014-06-27 amendment only: selected3E,39H/39K,52 and other disjoint returns. Not complete8359 lines, current39E consolidation, or currentness recovery.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S017","urls":["https://handbook.fca.org.uk/handbook/perg17","https://handbook.fca.org.uk/handbook/perg17?utm_source=chatgpt.com"],"researcher_record":{"ID":"S017","Issuer, title and full direct URL":"FCA, PERG 17 Consumer credit debt counselling. https://handbook.fca.org.uk/handbook/perg17","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PERG 17.1–17.7, especially Q2.1, Q3.1–3.3, Q4.1–4.3, Q5.1–5.5 and examples; individual debt advice, information and mixed debts, UK. Body read; Handbook last updated 2023-06-02, accessed 2026-10-26. \nPERG 17 Consumer credit debt counselling"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S017","url":"https://handbook.fca.org.uk/handbook/perg17","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R009","CSC1-R018","CSC1-R019","CSC1-R022","CSC1-R023"],"scope_note":"Selected PERG17 guidance through Q7 examples; Q5.5 decision-tree text fully returned. Statutory39E dated link failed; not a substitute for its current operative text.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S018","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s3","https://handbook.fca.org.uk/handbook/perg2/perg2s3?utm_source=chatgpt.com"],"researcher_record":{"ID":"S018","Issuer, title and full direct URL":"FCA, PERG 2.3 The business element. https://handbook.fca.org.uk/handbook/perg2/perg2s3","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PERG 2.3.1–2.3.2, including not-for-profit credit activity/business-order treatment. Body read; updated Handbook material displayed 2026-10-26. \nPERG 2.3 The business element"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S018","url":"https://handbook.fca.org.uk/handbook/perg2/perg2s3","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S019","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s4","https://handbook.fca.org.uk/handbook/perg2/perg2s4?utm_source=chatgpt.com"],"researcher_record":{"ID":"S019","Issuer, title and full direct URL":"FCA, PERG 2.4 Link between activities and the United Kingdom. https://handbook.fca.org.uk/handbook/perg2/perg2s4","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PERG 2.4.1–2.4.3; UK management/establishment and cross-border activity. Body read; last updated 2026-09-16; a separate future 2027-10-25 version is shown and is not treated as effective. \nhandbook.fca.org.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S019","url":"https://handbook.fca.org.uk/handbook/perg2/perg2s4","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R034","CSC1-R040","CSC1-R047"],"scope_note":"Selected PERG2.4 territorial guidance; displayed update16/09/2026 and future25/10/2027 distinguished; blank as-of field.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S020","urls":["https://handbook.fca.org.uk/handbook/perg2/perg2s8","https://handbook.fca.org.uk/handbook/perg2/perg2s8?utm_source=chatgpt.com"],"researcher_record":{"ID":"S020","Issuer, title and full direct URL":"FCA, PERG 2.8 Exclusions applicable to particular regulated activities. https://handbook.fca.org.uk/handbook/perg2/perg2s8","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PERG 2.8.7C(1)–(6); creditor, professional litigation, mortgage and related debt exclusions. Body read, 2026-10-26. Legal RAO text controls over explanatory guidance. \nhandbook.fca.org.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S020","url":"https://handbook.fca.org.uk/handbook/perg2/perg2s8","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S021","urls":["https://handbook.fca.org.uk/handbook/perg2","https://handbook.fca.org.uk/handbook/perg2?utm_source=chatgpt.com"],"researcher_record":{"ID":"S021","Issuer, title and full direct URL":"FCA, PERG 2 Authorisation and regulated activities. https://handbook.fca.org.uk/handbook/perg2","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PERG 2.11.2–2.11.6, especially 2.11.5 enterprise schemes; official receiver, judicial factor, tracing and narrow exemptions. Body read, 2026-10-26. \nPERG 2 Authorisation and regulated activities"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S021","url":"https://handbook.fca.org.uk/handbook/perg2","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S022","urls":["https://handbook.fca.org.uk/handbook/conc8","https://handbook.fca.org.uk/handbook/conc8?utm_source=chatgpt.com"],"researcher_record":{"ID":"S022","Issuer, title and full direct URL":"FCA, CONC 8 Debt advice. https://handbook.fca.org.uk/handbook/conc8","Exact pinpoint; jurisdiction, actor/debt, version and access status":"CONC 8.1.1–8.1.4; 8.2.2G; 8.9; firms with debt-advice permissions, exempt underlying credit/hire agreements, UK-country differentiation and leads. Body read; chapter last updated 2026-07-31, 8.2.2G dated 2026-06-26. Conduct detail outside P01. \nCONC 8 Debt advice"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S022","url":"https://handbook.fca.org.uk/handbook/conc8","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R041","CSC1-R045","CSC1-R050","CSC1-R051","CSC1-R054"],"scope_note":"Selected CONC8.1.4 and8.2.2G plus disjoint context; not whole1404-line conduct chapter. Displayed chapter update31/07/2026, rule8.2.2 update26/06/2026.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S023","urls":["https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf","https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S023","Issuer, title and full direct URL":"FCA, Limited Consumer Credit Firm: application notes (PDF). https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf","Exact pinpoint; jurisdiction, actor/debt, version and access status":"PDF zero-index page 1, limited-permission explanation and not-for-profit constitutional test; printed page number not independently confirmed. PDF body read, 2026-10-26; instructions are explanatory, not a standalone grant. \nfca.org.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S023","url":"https://www.fca.org.uk/publication/forms/limited-consumer-credit-firm-notes.pdf","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S024","urls":["https://www.fca.org.uk/firms/limitations-debt-permissions","https://www.fca.org.uk/firms/limitations-debt-permissions?utm_source=chatgpt.com"],"researcher_record":{"ID":"S024","Issuer, title and full direct URL":"FCA, Limitations on debt permissions. https://www.fca.org.uk/firms/limitations-debt-permissions","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Scope limitations, including debt-management-plan restrictions; UK regulated debt firms. Body read, FCA page originally published 2017, accessed 2026-10-26. Individual firm's actual restrictions must be checked. \nFCA"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S024","url":"https://www.fca.org.uk/firms/limitations-debt-permissions","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R042","CSC1-R043","CSC1-R046"],"scope_note":"Selected permissions-limitation guidance, body262-284 and date29/12/2025; no individual permission or entire six-limitations body accepted.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S025","urls":["https://handbook.fca.org.uk/handbook/conc10","https://handbook.fca.org.uk/handbook/conc10?utm_source=chatgpt.com"],"researcher_record":{"ID":"S025","Issuer, title and full direct URL":"FCA, CONC 10 Prudential rules for debt management firms. https://handbook.fca.org.uk/handbook/conc10","Exact pinpoint; jurisdiction, actor/debt, version and access status":"CONC 10.1.1–1.6; 10.2.1–2.14; 10.3.2–3.3; application, professional-firm carve-out, solvency and tiered prudential calculation. Body read; chapter last updated 2014-07-01, accessed 2026-10-26. \nhandbook.fca.org.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S025","url":"https://handbook.fca.org.uk/handbook/conc10","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R004","CSC1-R017","CSC1-R021"],"scope_note":"CONC10 operative body198-485 returned across three packets; application, tiers, floor, projection and capital rules. No actual firm/capital certification.","selected_complete_operative_body_lines_inclusive":[198,485],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S026","urls":["https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","https://www.fca.org.uk/consumers/how-check-firm-individual-authorised?utm_source=chatgpt.com"],"researcher_record":{"ID":"S026","Issuer, title and full direct URL":"FCA, How to check a firm or individual is authorised. https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Public Firm Checker/Register instructions, legal-entity status, appointed representatives, permission and protection limitations. Body read; page updated 2026-09-22, accessed 2026-10-26. No entity searched. \nFCA"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S026","url":"https://www.fca.org.uk/consumers/how-check-firm-individual-authorised","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S027","urls":["https://www.fca.org.uk/firms/financial-services-register","https://www.fca.org.uk/firms/financial-services-register?utm_source=chatgpt.com"],"researcher_record":{"ID":"S027","Issuer, title and full direct URL":"FCA, Financial Services Register. https://www.fca.org.uk/firms/financial-services-register","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Official public register categories and limitations; authorised persons, ARs and other financial-services entries. Body read; page updated February 2026, accessed 2026-10-26. No individual or firm searched. \nFCA"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S027","url":"https://www.fca.org.uk/firms/financial-services-register","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S028","urls":["https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf","https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S028","Issuer, title and full direct URL":"Scottish Parliament, Debt Arrangement and Attachment (Scotland) Act 2002, as-enacted PDF. https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf","Exact pinpoint; jurisdiction, actor/debt, version and access status":"ss1–3, DAS creation, Scottish administrative/adviser basis; printed pages 1–2, zero-index PDF pages 6–7. Original enacted body read, not 2026 consolidation. \nlegislation.gov.uk\n+1"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S028","url":"https://www.legislation.gov.uk/asp/2002/17/pdfs/asp_20020017_en.pdf","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S029","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S029","Issuer, title and full direct URL":"Scottish Ministers, Debt Arrangement Scheme (Scotland) Regulations 2011, SSI 2011/141, reg7. https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg7(1)–(2); debtor approved money adviser and association rule. Consolidated provision body read, effective from 2011 subject to amendments. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S029","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/7/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R013"],"scope_note":"Complete regulation7: adviser/association and resignation-continuity duty; latter is deferred ongoing conduct annotation, not a false P01 gateway claim.","selected_complete_operative_body_lines_inclusive":[6,13],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S030","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S030","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg8. https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg8(a)–(f); qualifying money-adviser categories, subject to reg10. Body read, 2026-10-26; original operative 2011. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S030","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R005"],"scope_note":"Complete regulation8 categorical routes subject to10; no actual worker evidence.","selected_complete_operative_body_lines_inclusive":[4,25],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S031","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S031","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg8A. https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg8A; qualified-IP adviser required for legal persons, trusts, unincorporated bodies. Body read; inserted 2014-12-11, effective at access. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S031","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/8A/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R006"],"scope_note":"Complete regulation8A entity-debtor IP-category route; debtor form and actual capacity remain hypothetical.","selected_complete_operative_body_lines_inclusive":[4,4],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S032","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S032","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg9. https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg9(1)(a)–(d), (2)(a)–(d); individual application, fitness, training, FCA arrangements. Body read, current wording includes 2025-04-01 Level 2 amendment. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S032","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R007"],"scope_note":"Complete regulation9 body and2025 disclosure annotation; mandatory Schedule3 content not separately read.","selected_complete_operative_body_lines_inclusive":[6,39],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S033","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S033","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg10. https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg10(a)–(g); disqualified occupations, conflicts, convictions and restrictions. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S033","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/10/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R008"],"scope_note":"Complete regulation10 disqualification body; cross-referenced legislation and personal facts not investigated.","selected_complete_operative_body_lines_inclusive":[4,40],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S034","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S034","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg11. https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg11(1), (1A) and related grounds; approved money-adviser revocation/suspension, including FCA-arrangement relevance. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S034","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/11/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R014"],"scope_note":"Complete regulation11 body: revocation grounds and debtor notice; no separate general suspension test derived from heading alone.","selected_complete_operative_body_lines_inclusive":[6,27],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S035","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S035","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg14. https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg14(1), (3)–(7); DAS payments distributor approval, conditions, fitness and relevant statutory capacity. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S035","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R015"],"scope_note":"Complete regulation14 body; Schedule4 qualification criteria unread. Approval must follow satisfaction of statutory predicates; actual approval untested.","selected_complete_operative_body_lines_inclusive":[6,36],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S036","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S036","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg15. https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg15, payments distributor approval removal; Scotland. Body read, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S036","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/15/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R016"],"scope_note":"Complete regulation15 distributor revocation body; no actual decision or notice date.","selected_complete_operative_body_lines_inclusive":[4,26],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S037","urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S037","Issuer, title and full direct URL":"Scottish Ministers, SSI 2011/141, reg13. https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg13 annotations/revocation; revoked 2019-11-04. Body read solely to exclude superseded route, 2026-10-26. \nlegislation.gov.uk"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S037","url":"https://www.legislation.gov.uk/ssi/2011/141/regulation/13/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R044"],"scope_note":"Complete revoked regulation13 display and2019 revocation annotation; no revival of historical pathway.","selected_complete_operative_body_lines_inclusive":[0,10],"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S038","urls":["https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser","https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser?utm_source=chatgpt.com"],"researcher_record":{"ID":"S038","Issuer, title and full direct URL":"Accountant in Bankruptcy, How to become an approved money adviser. https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser","Exact pinpoint; jurisdiction, actor/debt, version and access status":"AiB practical categories/application/fitness guidance; updated 2025-11-11, body read. Conflict: guidance retains obsolete certificate description; current S032 statutory Level 2 wording controls. \nAccountant in Bankruptcy"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S038","url":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/how-to-become-an-approved-money-adviser","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R020"],"scope_note":"Whole returned adviser-guidance substantive section67-106; retains old criminal-record certificate wording, subordinate to fresh regulation9 amendment.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S039","urls":["https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das","https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das?utm_source=chatgpt.com"],"researcher_record":{"ID":"S039","Issuer, title and full direct URL":"Accountant in Bankruptcy, Main parties in DAS. https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das","Exact pinpoint; jurisdiction, actor/debt, version and access status":"DAS Administrator, advisers, continuing adviser and payments-distributor roles; body read, 2026-10-26; precise latest page revision not established. \nAccountant in Bankruptcy"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S039","url":"https://aib.gov.uk/publications/notes-for-guidance-money-adviser-debt-arrangement-scheme/main-parties-in-das","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S040","urls":["https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf","https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S040","Issuer, title and full direct URL":"Scottish Parliament, Bankruptcy (Scotland) Act 2016, as-enacted PDF. https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf","Exact pinpoint; jurisdiction, actor/debt, version and access status":"ss49–51, printed pages 36–40, PDF zero indices 46–50; ss163–165, printed 119–120, PDF zero indices 130–131. Original enacted body read, 2026-10-26. Later amendments not comprehensively consolidated; practitioner-boundary findings only. \nOueen's Print Cover.docx\n+3"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S040","url":"https://www.legislation.gov.uk/asp/2016/21/pdfs/asp_20160021_en.pdf","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S041","urls":["https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html","https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S041","Issuer, title and full direct URL":"UK Parliament, Insolvency Act 1986, Part XIII. https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html","Exact pinpoint; jurisdiction, actor/debt, version and access status":"ss388(1)–(5), 390(1)–(5), 390A(1)–(3), 390B, 391(1); statutory acting capacities, appropriate full/partial individual authorisation and Scottish caution. Current displayed part body read, 2026-10-26. \nlegislation.gov.uk\n+2"},"coordinator_verification_status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S041","url":"https://www.legislation.gov.uk/ukpga/1986/45/part/XIII/data.html","status":"fresh_selected_primary_or_official_guidance_read_with_bounds_and_remaining_holds","read_ids":["CSC1-R024","CSC1-R028","CSC1-R029","CSC1-R030","CSC1-R031","CSC1-R032","CSC1-R033","CSC1-R049"],"scope_note":"Selected PartXIII388/390/390A/390B fragments and context; no whole1749-line Part, current caution amount or actual practitioner licensing.","selected_complete_operative_body_lines_inclusive":null,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S042","urls":["https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf","https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S042","Issuer, title and full direct URL":"FCA, FG25/2 Guidance for insolvency practitioners on how to approach regulated firms (PDF). https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Introduction, PDF zero-index page 0 / printed page 1; appointed-representative/principal discussion around zero-index page 13 / printed page 14. 2025 guidance body read, 2026-10-26; FCA regulates firms, not the IP profession. \nfca.org.uk"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S042","url":"https://www.fca.org.uk/publication/finalised-guidance/fg25-2.pdf","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S043","urls":["https://www.aib.gov.uk/systems/das-register","https://www.aib.gov.uk/systems/das-register?utm_source=chatgpt.com"],"researcher_record":{"ID":"S043","Issuer, title and full direct URL":"Accountant in Bankruptcy, DAS Register. https://www.aib.gov.uk/systems/das-register","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Public register description and scope; body read, 2026-10-26. DPP/debtor records, not a complete adviser-approval register. No individual case searched. \nAccountant in Bankruptcy"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S043","url":"https://www.aib.gov.uk/systems/das-register","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S044","urls":["https://www.aib.gov.uk/systems/register-of-insolvencies","https://www.aib.gov.uk/systems/register-of-insolvencies?utm_source=chatgpt.com"],"researcher_record":{"ID":"S044","Issuer, title and full direct URL":"Accountant in Bankruptcy, Register of Insolvencies. https://www.aib.gov.uk/systems/register-of-insolvencies","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Public insolvency register purpose; body read, 2026-10-26. Not an IP licensing registry. No case searched. \nAccountant in Bankruptcy"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S044","url":"https://www.aib.gov.uk/systems/register-of-insolvencies","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S045","urls":["https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner","https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner?utm_source=chatgpt.com"],"researcher_record":{"ID":"S045","Issuer, title and full direct URL":"UK Government, Regulated Professions Register — Insolvency Practitioner. https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Regulation; reserved activities; recognised professional bodies; qualification and Scottish AiB oversight sections. Body read, 2026-10-26; general current publication, exact last revision unknown. \nGOV.UK"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S045","url":"https://www.regulated-professions.service.gov.uk/professions/insolvency-practitioner","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S046","urls":["https://www.insolvencydirect.bis.gov.uk/fip1/","https://www.insolvencydirect.bis.gov.uk/fip1/?utm_source=chatgpt.com"],"researcher_record":{"ID":"S046","Issuer, title and full direct URL":"UK Insolvency Service, Find an insolvency practitioner. https://www.insolvencydirect.bis.gov.uk/fip1/","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Public search guidance and explicit incomplete-list limitation. General page body read, 2026-10-26; no named-practitioner search. \nFind an insolvency practitioner"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S046","url":"https://www.insolvencydirect.bis.gov.uk/fip1/","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S047","urls":["https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf?utm_source=chatgpt.com"],"researcher_record":{"ID":"S047","Issuer, title and full direct URL":"UK Parliament, Payment Services Regulations 2017, SI 2017/752, as-made PDF. https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","Exact pinpoint; jurisdiction, actor/debt, version and access status":"reg2 money remittance, PDF zero-index 12; Sch1 para1 payment services, zero-index 89; Sch1 para2 exclusions, zero-index 90; reg138 in original, zero indices 79–80. Printed pagination was not reliably separable from PDF indices in extracted text. 2017 original body read, 2026-10-26; current 2026 payment regime not fully reconciled. \nlegislation.gov.uk\n+1"},"coordinator_verification_status":"original_source_not_freshly_reopened_and_not_accepted","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S047","url":"https://www.legislation.gov.uk/uksi/2017/752/pdfs/uksi_20170752_en.pdf","status":"original_source_not_freshly_reopened_and_not_accepted","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S048","urls":["https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40","https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40?utm_source=chatgpt.com"],"researcher_record":{"ID":"S048","Issuer, title and full direct URL":"UK Parliament, FSMA (Exemption) Order 2001, SI 2001/1201, Schedule paragraph 40. https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40","Exact pinpoint; jurisdiction, actor/debt, version and access status":"Sch para40, defined enterprise-scheme exemption. Index/search only for current paragraph wording; direct body fetch failed. The 2013 textual amendment was body-read in S016 and FCA explanation body-read in S021. The full current scheme-definition predicates are not independently confirmed. \nlegislation.gov.uk\n+2"},"coordinator_verification_status":"original_index_or_failed_current_source_hold_preserved_without_retry","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S048","url":"https://www.legislation.gov.uk/uksi/2001/1201/schedule/paragraph/40","status":"original_index_or_failed_current_source_hold_preserved_without_retry","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S049","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S049","Issuer, title and full direct URL":"HM Treasury, RAO art39H current. https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html","Intended pinpoint, access outcome and safe alternative":"39H(1)–(5), including later exceptions. Failed direct current body read; 2013 insertion S016 was body-read and current FCA PERG S020 body-read. Residual uncertainty: exact effect of all later specialised amendments on a concrete creditor/collector."},"coordinator_verification_status":"original_index_or_failed_current_source_hold_preserved_without_retry","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S049","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39H/data.html","status":"original_index_or_failed_current_source_hold_preserved_without_retry","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S050","urls":["https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html","https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S050","Issuer, title and full direct URL":"HM Treasury, RAO art39K current. https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html","Intended pinpoint, access outcome and safe alternative":"39K legal-profession exclusion, current body failed. Original Scottish solicitor limb body-read in S016; later FCA explanation body-read in S020. Consolidated post-amendment exact Scottish wording is not certified."},"coordinator_verification_status":"original_index_or_failed_current_source_hold_preserved_without_retry","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S050","url":"https://www.legislation.gov.uk/uksi/2001/544/article/39K/data.html","status":"original_index_or_failed_current_source_hold_preserved_without_retry","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S051","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S051","Issuer, title and full direct URL":"UK Parliament, FSMA s26 current. https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html","Intended pinpoint, access outcome and safe alternative":"Potential agreements/remedies consequence. Failed body access; deliberately no conclusion about individual debt or contract enforceability drawn. Full private-law remedial treatment deferred."},"coordinator_verification_status":"original_index_or_failed_current_source_hold_preserved_without_retry","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S051","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/26/data.html","status":"original_index_or_failed_current_source_hold_preserved_without_retry","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"source_id":"C_SC-P01-S052","urls":["https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html","https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html?utm_source=chatgpt.com"],"researcher_record":{"ID":"S052","Issuer, title and full direct URL":"UK Parliament, FSMA s23 current. https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html","Intended pinpoint, access outcome and safe alternative":"Current offence wording failed; a 2014 dated body was successfully read in S006. Consequence only provisionally characterised in P01, with current-version check held."},"coordinator_verification_status":"original_index_or_failed_current_source_hold_preserved_without_retry","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"MechanicalexplicitP01contextonly;researchercellsunchanged.","coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"source_id":"C_SC-P01-S052","url":"https://www.legislation.gov.uk/ukpga/2000/8/section/23/data.html","status":"original_index_or_failed_current_source_hold_preserved_without_retry","read_ids":[],"original_researcher_access_attribution":"2026-10-26; unchanged researcher record, not new coordinator evidence","original_researcher_record_preserved":true,"actual_application_accepted":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"coverage":[{"topic":"K-A01 FSMA test","researcher_record":{"Coverage":"K-A01 FSMA test","Status":"Answered","Finding and claim/source cross-reference":"UK general prohibition and specified business activity: C001–C003; S001–S002.","Exact missing evidence or next retrieval":"For an actual provider: legal entity, activity, locus, permission/exemption."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S002"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A01 FSMA test","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003"],"source_ids":["C_SC-P01-S001","C_SC-P01-S002"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"For an actual provider: legal entity, activity, locus, permission/exemption.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A02 Credit-debt negotiation/assumption","researcher_record":{"Coverage":"K-A02 Credit-debt negotiation/assumption","Status":"Answered","Finding and claim/source cross-reference":"RAO 39D alternatives distinguished: C004–C006; S007.","Exact missing evidence or next retrieval":"Obtain real negotiation and payment-obligation terms."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S007"],"coordinator_claim_ids":["C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A02 Credit-debt negotiation/assumption","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006"],"source_ids":["C_SC-P01-S007"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Obtain real negotiation and payment-obligation terms.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A03 Individualised debt counselling","researcher_record":{"Coverage":"K-A03 Individualised debt counselling","Status":"Answered","Finding and claim/source cross-reference":"RAO 39E and particular borrower/debt: C007–C009; S016–S017.","Exact missing evidence or next retrieval":"Inspect actual advice/scripts/decision outputs."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S017"],"coordinator_claim_ids":["C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A03 Individualised debt counselling","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009"],"source_ids":["C_SC-P01-S016","C_SC-P01-S017"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Inspect actual advice/scripts/decision outputs.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A04 Creditor collecting versus administration","researcher_record":{"Coverage":"K-A04 Creditor collecting versus administration","Status":"Answered","Finding and claim/source cross-reference":"Separate 39F and 39G acts: C011–C012; S008–S009.","Exact missing evidence or next retrieval":"Identify creditor title, agency and functions under each agreement."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S008","C_SC-P01-S009"],"coordinator_claim_ids":["C_SC-P01-C011","C_SC-P01-C012"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A04 Creditor collecting versus administration","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C011","C_SC-P01-C012"],"source_ids":["C_SC-P01-S008","C_SC-P01-S009"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Identify creditor title, agency and functions under each agreement.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A05 Introductions/new lending","researcher_record":{"Coverage":"K-A05 Introductions/new lending","Status":"Partial","Finding and claim/source cross-reference":"Article 36A potentially applies: C013; S013.","Exact missing evidence or next retrieval":"Determine precise introduction, regulated agreement, seller/broker capacity and every relevant 36B/36F exception."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S013"],"coordinator_claim_ids":["C_SC-P01-C013"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A05 Introductions/new lending","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C013"],"source_ids":["C_SC-P01-S013"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Determine precise introduction, regulated agreement, seller/broker capacity and every relevant 36B/36F exception.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A06 Pure information, budgeting, software","researcher_record":{"Coverage":"K-A06 Pure information, budgeting, software","Status":"Answered, fact-specific","Finding and claim/source cross-reference":"Impersonal information versus tailored steering: C008, C014; S017.","Exact missing evidence or next retrieval":"Obtain exact user prompts, outputs and internal decision rules."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S017"],"coordinator_claim_ids":["C_SC-P01-C008","C_SC-P01-C014"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A06 Pure information, budgeting, software","original_status":"Answered, fact-specific","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C008","C_SC-P01-C014"],"source_ids":["C_SC-P01-S017"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Obtain exact user prompts, outputs and internal decision rules.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A07 Fee-free first contact; indirect remuneration","researcher_record":{"Coverage":"K-A07 Fee-free first contact; indirect remuneration","Status":"Partial","Finding and claim/source cross-reference":"Business test is substantive, not initial-price-only: C002, C019; S002, S016, S018.","Exact missing evidence or next retrieval":"Identify all affiliate commissions, transfers, consideration and frequency; retrieve any further business-order classifications."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S002","C_SC-P01-S016","C_SC-P01-S018"],"coordinator_claim_ids":["C_SC-P01-C002","C_SC-P01-C019"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A07 Fee-free first contact; indirect remuneration","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C002","C_SC-P01-C019"],"source_ids":["C_SC-P01-S002","C_SC-P01-S016","C_SC-P01-S018"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Identify all affiliate commissions, transfers, consideration and frequency; retrieve any further business-order classifications.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A08 Nonprofit and occasional work","researcher_record":{"Coverage":"K-A08 Nonprofit and occasional work","Status":"Answered, with application facts open","Finding and claim/source cross-reference":"Special 3E rule; occasional exception: C019; S016, S018.","Exact missing evidence or next retrieval":"Constitution, actual operating frequency and any later amendments not visible in the consolidated 3E endpoint."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S018"],"coordinator_claim_ids":["C_SC-P01-C019"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; 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S014, S022.","Exact missing evidence or next retrieval":"Review each agreement's statutory borrower, purpose, exempt provision and terms."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S014","C_SC-P01-S022"],"coordinator_claim_ids":["C_SC-P01-C010","C_SC-P01-C015"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A09 Regulated versus exempt credit agreement","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C010","C_SC-P01-C015"],"source_ids":["C_SC-P01-S014","C_SC-P01-S022"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Review each agreement's statutory borrower, purpose, exempt provision and terms.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A10 Sole trader, partnership, company","researcher_record":{"Coverage":"K-A10 Sole trader, partnership, company","Status":"Partial","Finding and claim/source cross-reference":"60B and relevant-recipient distinction: C015; S014.","Exact missing evidence or next retrieval":"Examine entity form, partner composition and contract; read all relevant recipient/exemption subdefinitions for a real case."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S014"],"coordinator_claim_ids":["C_SC-P01-C015"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A10 Sole trader, partnership, company","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C015"],"source_ids":["C_SC-P01-S014"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Examine entity form, partner composition and contract; read all relevant recipient/exemption subdefinitions for a real case.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A11 Guarantor, joint debtor, third-party payer","researcher_record":{"Coverage":"K-A11 Guarantor, joint debtor, third-party payer","Status":"Partial","Finding and claim/source cross-reference":"39M not universally imported into 39E: C016; S015–S017.","Exact missing evidence or next retrieval":"Contract signatures, guarantee/indemnity, assignment, discharge obligations, actual advice recipient."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017"],"coordinator_claim_ids":["C_SC-P01-C016"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A11 Guarantor, joint debtor, third-party payer","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C016"],"source_ids":["C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Contract signatures, guarantee/indemnity, assignment, discharge obligations, actual advice recipient.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A12 Secured, mortgage and hire","researcher_record":{"Coverage":"K-A12 Secured, mortgage and hire","Status":"Partial","Finding and claim/source cross-reference":"39D(2) hire and narrowly conditioned mortgage overlap: C006, C017; S007, S010.","Exact missing evidence or next retrieval":"Determine mortgage classification and the alternative Part II regulated activity; other secured products remain deferred."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S007","C_SC-P01-S010"],"coordinator_claim_ids":["C_SC-P01-C006","C_SC-P01-C017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A12 Secured, mortgage and hire","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C006","C_SC-P01-C017"],"source_ids":["C_SC-P01-S007","C_SC-P01-S010"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Determine mortgage classification and the alternative Part II regulated activity; other secured products remain deferred.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A13 Commencement, legacy transition","researcher_record":{"Coverage":"K-A13 Commencement, legacy transition","Status":"Partial","Finding and claim/source cross-reference":"Debt-credit regime introduced 2013 and generally operative 1 April 2014: S007, S016. No historical interim permission assumed still operative.","Exact missing evidence or next retrieval":"Read the precise 2014 transitional instruments and any provider-specific continued-permission pathway if the facts require it."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S007","C_SC-P01-S016"],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A13 Commencement, legacy transition","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":["C_SC-P01-S007","C_SC-P01-S016"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Read the precise 2014 transitional instruments and any provider-specific continued-permission pathway if the facts require it.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-A14 2025/2026 versions, prospective amendments","researcher_record":{"Coverage":"K-A14 2025/2026 versions, prospective amendments","Status":"Partial","Finding and claim/source cross-reference":"DAS 2025 disclosure update verified; FCA 2026 PERG/CONC updates located; 2026 RAO 72H amendments do not themselves rewrite its debt limbs: C035, C053; S012, S019, S022, S032.","Exact missing evidence or next retrieval":"Retrieve blocked current 39H/39K; test unincorporated-body and profession amendments where relevant; do not apply PERG's 2027 future version."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S012","C_SC-P01-S019","C_SC-P01-S022","C_SC-P01-S032"],"coordinator_claim_ids":["C_SC-P01-C035","C_SC-P01-C053"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-A14 2025/2026 versions, prospective amendments","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C035","C_SC-P01-C053"],"source_ids":["C_SC-P01-S012","C_SC-P01-S019","C_SC-P01-S022","C_SC-P01-S032"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Retrieve blocked current 39H/39K; test unincorporated-body and profession amendments where relevant; do not apply PERG's 2027 future version.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B01 Commercial debtor-side firm","researcher_record":{"Coverage":"K-B01 Commercial debtor-side firm","Status":"Answered","Finding and claim/source cross-reference":"39D/39E and permission test: C001–C007, C043; S001–S002, S007, S024.","Exact missing evidence or next retrieval":"Contract and actual FCA permission restrictions."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S007","C_SC-P01-S024"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C043"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B01 Commercial debtor-side firm","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C043"],"source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S007","C_SC-P01-S024"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Contract and actual FCA permission restrictions.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B02 Charity/nonprofit/free adviser","researcher_record":{"Coverage":"K-B02 Charity/nonprofit/free adviser","Status":"Answered, application facts open","Finding and claim/source cross-reference":"Constitutional/business-order 3E and possible limited permission: C019, C043; S016, S023.","Exact missing evidence or next retrieval":"Legal constitution and activity/permission, not merely charity status."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S023"],"coordinator_claim_ids":["C_SC-P01-C019","C_SC-P01-C043"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B02 Charity/nonprofit/free adviser","original_status":"Answered, application facts open","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C019","C_SC-P01-C043"],"source_ids":["C_SC-P01-S016","C_SC-P01-S023"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Legal constitution and activity/permission, not merely charity status.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B03 Local authority/public adviser","researcher_record":{"Coverage":"K-B03 Local authority/public adviser","Status":"Answered, restricted capacity","Finding and claim/source cross-reference":"RAO 72G and DAS reg8(e): C020, C032; S011, S030.","Exact missing evidence or next retrieval":"Whether the actual contracting employer/person is the local authority or another body."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S011","C_SC-P01-S030"],"coordinator_claim_ids":["C_SC-P01-C020","C_SC-P01-C032"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B03 Local authority/public adviser","original_status":"Answered, restricted capacity","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C020","C_SC-P01-C032"],"source_ids":["C_SC-P01-S011","C_SC-P01-S030"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Whether the actual contracting employer/person is the local authority or another body.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B04 Scottish solicitor/advocate","researcher_record":{"Coverage":"K-B04 Scottish solicitor/advocate","Status":"Partial","Finding and claim/source cross-reference":"Litigation/advocacy exclusion and conditional professional exemption: C021; S004, S016, S020, S050.","Exact missing evidence or next retrieval":"Obtain fully updated 39K and the relevant designated professional-body permissions/rules; establish actual litigation/incidentality."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S004","C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S050"],"coordinator_claim_ids":["C_SC-P01-C021"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B04 Scottish solicitor/advocate","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C021"],"source_ids":["C_SC-P01-S004","C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S050"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Obtain fully updated 39K and the relevant designated professional-body permissions/rules; establish actual litigation/incidentality.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B05 Accountant/other professional","researcher_record":{"Coverage":"K-B05 Accountant/other professional","Status":"Partial","Finding and claim/source cross-reference":"FSMA 327 predicates, no title-only exception: C021; S004.","Exact missing evidence or next retrieval":"Verify designated-body oversight, client accounting for benefits, incidental nature and any separately regulated activity."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S004"],"coordinator_claim_ids":["C_SC-P01-C021"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B05 Accountant/other professional","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C021"],"source_ids":["C_SC-P01-S004"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Verify designated-body oversight, client accounting for benefits, incidental nature and any separately regulated activity.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B06 Creditor's own negotiation/collection","researcher_record":{"Coverage":"K-B06 Creditor's own negotiation/collection","Status":"Partial","Finding and claim/source cross-reference":"39H agreement-connection exclusions: C018; S016, S020, S049.","Exact missing evidence or next retrieval":"Read precise current exception including special debt-collection branches and title under contract."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S049"],"coordinator_claim_ids":["C_SC-P01-C018"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B06 Creditor's own negotiation/collection","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C018"],"source_ids":["C_SC-P01-S016","C_SC-P01-S020","C_SC-P01-S049"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Read precise current exception including special debt-collection branches and title under contract.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B07 Debt buyer/servicer/collector","researcher_record":{"Coverage":"K-B07 Debt buyer/servicer/collector","Status":"Partial","Finding and claim/source cross-reference":"Ownership versus independent 39F/39G and separate 39E: C011–C012, C018; S008–S009, S016.","Exact missing evidence or next retrieval":"Chain of assignment, servicing scope, who may enforce and who advises whom."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S016"],"coordinator_claim_ids":["C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C018"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B07 Debt buyer/servicer/collector","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C018"],"source_ids":["C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S016"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Chain of assignment, servicing scope, who may enforce and who advises whom.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B08 Referrer and software supplier","researcher_record":{"Coverage":"K-B08 Referrer and software supplier","Status":"Answered, fact-specific","Finding and claim/source cross-reference":"36A/new credit, 39E/personal steering: C008, C013–C014; S013, S017.","Exact missing evidence or next retrieval":"Obtain referral and algorithm/decision outputs and actor identities."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S013","C_SC-P01-S017"],"coordinator_claim_ids":["C_SC-P01-C008","C_SC-P01-C013","C_SC-P01-C014"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B08 Referrer and software supplier","original_status":"Answered, fact-specific","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C008","C_SC-P01-C013","C_SC-P01-C014"],"source_ids":["C_SC-P01-S013","C_SC-P01-S017"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Obtain referral and algorithm/decision outputs and actor identities.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B09 Payment-only operator","researcher_record":{"Coverage":"K-B09 Payment-only operator","Status":"Partial","Finding and claim/source cross-reference":"PSR money-remittance second gateway and DAS distributor route: C038, C048; S035, S047.","Exact missing evidence or next retrieval":"2026 consolidated PSR/exclusions, actual control of funds and statutory capacity."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S035","C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C038","C_SC-P01-C048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B09 Payment-only operator","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C038","C_SC-P01-C048"],"source_ids":["C_SC-P01-S035","C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"2026 consolidated PSR/exclusions, actual control of funds and statutory capacity.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B10 IP, judicial factor, court-appointed person","researcher_record":{"Coverage":"K-B10 IP, judicial factor, court-appointed person","Status":"Partial","Finding and claim/source cross-reference":"Statutory appointments, 72H and Exemption Order Schedule 52: C022–C026; S012, S016, S041.","Exact missing evidence or next retrieval":"Actual appointment and any other court-appointed person's precise legal provision; no all-court-officers blanket exemption."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S012","C_SC-P01-S016","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B10 IP, judicial factor, court-appointed person","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026"],"source_ids":["C_SC-P01-S012","C_SC-P01-S016","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Actual appointment and any other court-appointed person's precise legal provision; no all-court-officers blanket exemption.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B11 Appointed representative","researcher_record":{"Coverage":"K-B11 Appointed representative","Status":"Answered, scope-dependent","Finding and claim/source cross-reference":"Written principal responsibility and prescribed debt activities: C027; S003, S016, S026.","Exact missing evidence or next retrieval":"Exact AR principal agreement, effective status, regulated activity and restriction."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S003","C_SC-P01-S016","C_SC-P01-S026"],"coordinator_claim_ids":["C_SC-P01-C027"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B11 Appointed representative","original_status":"Answered, scope-dependent","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C027"],"source_ids":["C_SC-P01-S003","C_SC-P01-S016","C_SC-P01-S026"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Exact AR principal agreement, effective status, regulated activity and restriction.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-B12 Enterprise scheme, tracer, process server","researcher_record":{"Coverage":"K-B12 Enterprise scheme, tracer, process server","Status":"Partial","Finding and claim/source cross-reference":"Narrow enterprise exemption identified; limited tracing/process-service exemptions described by FCA: C028; S016, S021, S048.","Exact missing evidence or next retrieval":"Read complete current Schedule 40 definition and, if invoked, precise Schedule 54/54A tracing/process-serving predicates."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S021","C_SC-P01-S048"],"coordinator_claim_ids":["C_SC-P01-C028"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-B12 Enterprise scheme, tracer, process server","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C028"],"source_ids":["C_SC-P01-S016","C_SC-P01-S021","C_SC-P01-S048"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Read complete current Schedule 40 definition and, if invoked, precise Schedule 54/54A tracing/process-serving predicates.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C01 Direct FCA/full permission","researcher_record":{"Coverage":"K-C01 Direct FCA/full permission","Status":"Answered","Finding and claim/source cross-reference":"Legal entity and activity/restrictions control: C001, C043, C047; S001, S024, S026–S027.","Exact missing evidence or next retrieval":"Exact Part 4A permission wording and status date."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S024","C_SC-P01-S026","C_SC-P01-S027"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C043","C_SC-P01-C047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C01 Direct FCA/full permission","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C043","C_SC-P01-C047"],"source_ids":["C_SC-P01-S001","C_SC-P01-S024","C_SC-P01-S026","C_SC-P01-S027"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Exact Part 4A permission wording and status date.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C02 Limited consumer credit/not-for-profit","researcher_record":{"Coverage":"K-C02 Limited consumer credit/not-for-profit","Status":"Answered, application-specific","Finding and claim/source cross-reference":"Defined not-for-profit limited-permission possibility: C019, C043; S016, S023.","Exact missing evidence or next retrieval":"Constitution, application category and actual permission; not a grant by implication."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S016","C_SC-P01-S023"],"coordinator_claim_ids":["C_SC-P01-C019","C_SC-P01-C043"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C02 Limited consumer credit/not-for-profit","original_status":"Answered, application-specific","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C019","C_SC-P01-C043"],"source_ids":["C_SC-P01-S016","C_SC-P01-S023"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Constitution, application category and actual permission; not a grant by implication.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C03 AR versus principal/individual","researcher_record":{"Coverage":"K-C03 AR versus principal/individual","Status":"Answered","Finding and claim/source cross-reference":"Written responsibility and prescribed scope: C027, C047; S003, S016, S026.","Exact missing evidence or next retrieval":"Legal entity/individual capacity, principal and contract."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S003","C_SC-P01-S016","C_SC-P01-S026"],"coordinator_claim_ids":["C_SC-P01-C027","C_SC-P01-C047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C03 AR versus principal/individual","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C027","C_SC-P01-C047"],"source_ids":["C_SC-P01-S003","C_SC-P01-S016","C_SC-P01-S026"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Legal entity/individual capacity, principal and contract.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C04 Professional conditional exemption","researcher_record":{"Coverage":"K-C04 Professional conditional exemption","Status":"Partial","Finding and claim/source cross-reference":"FSMA 327 and RAO 39K: C021; S004, S016, S020.","Exact missing evidence or next retrieval":"Designated body's present supervisory rules, incidental test and exact legal-services conduct."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S004","C_SC-P01-S016","C_SC-P01-S020"],"coordinator_claim_ids":["C_SC-P01-C021"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C04 Professional conditional exemption","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C021"],"source_ids":["C_SC-P01-S004","C_SC-P01-S016","C_SC-P01-S020"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Designated body's present supervisory rules, incidental test and exact legal-services conduct.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C05 Insolvency full/partial licence and caution","researcher_record":{"Coverage":"K-C05 Insolvency full/partial licence and caution","Status":"Answered, amount unresolved","Finding and claim/source cross-reference":"C023–C025; S041, S045. Appropriate individual authorisation and Scottish security/caution required.","Exact missing evidence or next retrieval":"Licensed category, professional body, prescribed amount/form of caution, specific appointment."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S041","C_SC-P01-S045"],"coordinator_claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C05 Insolvency full/partial licence and caution","original_status":"Answered, amount unresolved","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025"],"source_ids":["C_SC-P01-S041","C_SC-P01-S045"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Licensed category, professional body, prescribed amount/form of caution, specific appointment.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C06 DAS adviser approval","researcher_record":{"Coverage":"K-C06 DAS adviser approval","Status":"Answered","Finding and claim/source cross-reference":"Regulation 8 categoric or reg9 individual route; exclusions: C031–C037; S029–S034.","Exact missing evidence or next retrieval":"Particular worker's evidence of route/approval and continuing good standing."},"coordinator_acceptance":"partial_mandatory_gateway_criteria_unread_UNSENT","coordinator_source_ids":["C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034"],"coordinator_claim_ids":["C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C06 DAS adviser approval","original_status":"Answered","coordinator_disposition":"partial_mandatory_gateway_criteria_unread_UNSENT","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037"],"source_ids":["C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034"],"finding_ids":["C_SC-P01-Q001"],"missing_evidence_and_next_action_preserved":"Particular worker's evidence of route/approval and continuing good standing.","additional_hold":"Schedule3 training / Schedule4 distributor-fitness full criteria unread; no complete approval gateway acceptance.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C07 DAS payments-distributor approval","researcher_record":{"Coverage":"K-C07 DAS payments-distributor approval","Status":"Answered","Finding and claim/source cross-reference":"Separate reg14 and reg15: C038–C039; S035–S036.","Exact missing evidence or next retrieval":"Particular distributor's approval and current conditions."},"coordinator_acceptance":"partial_mandatory_gateway_criteria_unread_UNSENT","coordinator_source_ids":["C_SC-P01-S035","C_SC-P01-S036"],"coordinator_claim_ids":["C_SC-P01-C038","C_SC-P01-C039"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C07 DAS payments-distributor approval","original_status":"Answered","coordinator_disposition":"partial_mandatory_gateway_criteria_unread_UNSENT","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C038","C_SC-P01-C039"],"source_ids":["C_SC-P01-S035","C_SC-P01-S036"],"finding_ids":["C_SC-P01-Q001"],"missing_evidence_and_next_action_preserved":"Particular distributor's approval and current conditions.","additional_hold":"Schedule3 training / Schedule4 distributor-fitness full criteria unread; no complete approval gateway acceptance.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C08 FCA prudential financial safeguard","researcher_record":{"Coverage":"K-C08 FCA prudential financial safeguard","Status":"Answered, scope-dependent","Finding and claim/source cross-reference":"CONC10 formula, application and two calculations: C044–C045; S025.","Exact missing evidence or next retrieval":"Firm category, accounting date, relevant debts, client-money threshold and overlapping rule."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S025"],"coordinator_claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C08 FCA prudential financial safeguard","original_status":"Answered, scope-dependent","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"source_ids":["C_SC-P01-S025"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Firm category, accounting date, relevant debts, client-money threshold and overlapping rule.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C09 Application fees, PII, bonds, funds","researcher_record":{"Coverage":"K-C09 Application fees, PII, bonds, funds","Status":"Partial","Finding and claim/source cross-reference":"Scottish IP caution established, numeric amount not; FCA prudential is not PII or protected customer funds: C024, C044–C045; S025, S041.","Exact missing evidence or next retrieval":"Retrieve current prescribed insolvency caution, professional PII, exact FCA gateway financial requirements and official fee schedules before making amounts or equivalences."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S025","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C024","C_SC-P01-C044","C_SC-P01-C045"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C09 Application fees, PII, bonds, funds","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C024","C_SC-P01-C044","C_SC-P01-C045"],"source_ids":["C_SC-P01-S025","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Retrieve current prescribed insolvency caution, professional PII, exact FCA gateway financial requirements and official fee schedules before making amounts or equivalences.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-C10 Transition, exemption, approval permanence","researcher_record":{"Coverage":"K-C10 Transition, exemption, approval permanence","Status":"Partial","Finding and claim/source cross-reference":"Revocation routes and repealed DAS reg13 established: C036, C039–C040; S034, S036–S037.","Exact missing evidence or next retrieval":"Historical interim FCA permissions and any saved statuses; time-specific source of authority for a legacy firm."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S034","C_SC-P01-S036","C_SC-P01-S037"],"coordinator_claim_ids":["C_SC-P01-C036","C_SC-P01-C039","C_SC-P01-C040"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-C10 Transition, exemption, approval permanence","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C036","C_SC-P01-C039","C_SC-P01-C040"],"source_ids":["C_SC-P01-S034","C_SC-P01-S036","C_SC-P01-S037"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Historical interim FCA permissions and any saved statuses; time-specific source of authority for a legacy firm.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D01 Scotland business/Scottish clients","researcher_record":{"Coverage":"K-D01 Scotland business/Scottish clients","Status":"Answered","Finding and claim/source cross-reference":"UK FSMA applies through s19 and Scottish DAS/trustee law separately: C001, C029–C030, C046; S001, S028, S040.","Exact missing evidence or next retrieval":"Provider activity, not residence alone."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S028","C_SC-P01-S040"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C046"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D01 Scotland business/Scottish clients","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C046"],"source_ids":["C_SC-P01-S001","C_SC-P01-S028","C_SC-P01-S040"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Provider activity, not residence alone.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D02 Provider from another UK nation advising Scots","researcher_record":{"Coverage":"K-D02 Provider from another UK nation advising Scots","Status":"Answered, fact-specific","Finding and claim/source cross-reference":"UK authorisation plus local-solution competence: C046, C053; S019, S022.","Exact missing evidence or next retrieval":"Exact FCA permissions and Scottish debt-solution knowledge."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S019","C_SC-P01-S022"],"coordinator_claim_ids":["C_SC-P01-C046","C_SC-P01-C053"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D02 Provider from another UK nation advising Scots","original_status":"Answered, fact-specific","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C046","C_SC-P01-C053"],"source_ids":["C_SC-P01-S019","C_SC-P01-S022"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Exact FCA permissions and Scottish debt-solution knowledge.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D03 Scottish provider advising outside UK","researcher_record":{"Coverage":"K-D03 Scottish provider advising outside UK","Status":"Partial","Finding and claim/source cross-reference":"UK business may still exist under s418: C046; S005, S019.","Exact missing evidence or next retrieval":"Location of each performance element and foreign-law applicability."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"coordinator_claim_ids":["C_SC-P01-C046"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D03 Scottish provider advising outside UK","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C046"],"source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Location of each performance element and foreign-law applicability.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D04 Foreign provider advising Scots","researcher_record":{"Coverage":"K-D04 Foreign provider advising Scots","Status":"Unresolved for a particular model","Finding and claim/source cross-reference":"Section 418 establishes conditional UK-extension branches but no online-only bright line: C046; S005, S019.","Exact missing evidence or next retrieval":"Establishment, UK agents, management, contracts, jurisdictional exemptions, foreign home regulation."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"coordinator_claim_ids":["C_SC-P01-C046"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D04 Foreign provider advising Scots","original_status":"Unresolved for a particular model","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C046"],"source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Establishment, UK agents, management, contracts, jurisdictional exemptions, foreign home regulation.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D05 Telephone, marketing, website, referral nexus","researcher_record":{"Coverage":"K-D05 Telephone, marketing, website, referral nexus","Status":"Partial","Finding and claim/source cross-reference":"Classification depends on conduct and location; no automatic remote safe harbour: C008, C013–C014, C046; S013, S017, S019.","Exact missing evidence or next retrieval":"Actual workflow, caller location, decision location, marketing activity, territorial facts."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S013","C_SC-P01-S017","C_SC-P01-S019"],"coordinator_claim_ids":["C_SC-P01-C008","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C046"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D05 Telephone, marketing, website, referral nexus","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C008","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C046"],"source_ids":["C_SC-P01-S013","C_SC-P01-S017","C_SC-P01-S019"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Actual workflow, caller location, decision location, marketing activity, territorial facts.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-D06 Scots mechanisms versus foreign recognition","researcher_record":{"Coverage":"K-D06 Scots mechanisms versus foreign recognition","Status":"Answered for boundary; excluded for recognition","Finding and claim/source cross-reference":"Distinct Scots statutory gateways: C029–C030, C041–C042; S028, S040.","Exact missing evidence or next retrieval":"A098 separate choice-of-law/recognition/asset analysis, explicitly deferred."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S040"],"coordinator_claim_ids":["C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C041","C_SC-P01-C042"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-D06 Scots mechanisms versus foreign recognition","original_status":"Answered for boundary; excluded for recognition","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C041","C_SC-P01-C042"],"source_ids":["C_SC-P01-S028","C_SC-P01-S040"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"A098 separate choice-of-law/recognition/asset analysis, explicitly deferred.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E01 FCA firm/permission tools","researcher_record":{"Coverage":"K-E01 FCA firm/permission tools","Status":"Answered","Finding and claim/source cross-reference":"Official checking instructions and classes: C043, C047; S026–S027.","Exact missing evidence or next retrieval":"Hypothetical consumer would compare legal entity + activity + restrictions + date."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S026","C_SC-P01-S027"],"coordinator_claim_ids":["C_SC-P01-C043","C_SC-P01-C047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E01 FCA firm/permission tools","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C043","C_SC-P01-C047"],"source_ids":["C_SC-P01-S026","C_SC-P01-S027"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Hypothetical consumer would compare legal entity + activity + restrictions + date.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E02 AR/principal verification","researcher_record":{"Coverage":"K-E02 AR/principal verification","Status":"Answered","Finding and claim/source cross-reference":"C027, C047; S003, S026.","Exact missing evidence or next retrieval":"Principal's identity, written acceptance and scope; ordinary listing is not enough."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S003","C_SC-P01-S026"],"coordinator_claim_ids":["C_SC-P01-C027","C_SC-P01-C047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E02 AR/principal verification","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C027","C_SC-P01-C047"],"source_ids":["C_SC-P01-S003","C_SC-P01-S026"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Principal's identity, written acceptance and scope; ordinary listing is not enough.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E03 DAS adviser/distributor proof","researcher_record":{"Coverage":"K-E03 DAS adviser/distributor proof","Status":"Partial","Finding and claim/source cross-reference":"Regulations identify competent DAS Administrator: C032, C035, C038; S030, S032, S035, S039.","Exact missing evidence or next retrieval":"Public comprehensive approved-adviser directory not established; request documentary approval evidence in a hypothetical future case rather than treating DAS debtor register as adviser proof."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S030","C_SC-P01-S032","C_SC-P01-S035","C_SC-P01-S039"],"coordinator_claim_ids":["C_SC-P01-C032","C_SC-P01-C035","C_SC-P01-C038"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E03 DAS adviser/distributor proof","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C032","C_SC-P01-C035","C_SC-P01-C038"],"source_ids":["C_SC-P01-S030","C_SC-P01-S032","C_SC-P01-S035","C_SC-P01-S039"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Public comprehensive approved-adviser directory not established; request documentary approval evidence in a hypothetical future case rather than treating DAS debtor register as adviser proof.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E04 IP professional search","researcher_record":{"Coverage":"K-E04 IP professional search","Status":"Answered, limitation noted","Finding and claim/source cross-reference":"Recognised bodies/licence test and incomplete government list: C024–C025, C051; S041, S045–S046.","Exact missing evidence or next retrieval":"Official authorising-body status and any limitation for actual individual; no person searched."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S041","C_SC-P01-S045","C_SC-P01-S046"],"coordinator_claim_ids":["C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C051"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E04 IP professional search","original_status":"Answered, limitation noted","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C051"],"source_ids":["C_SC-P01-S041","C_SC-P01-S045","C_SC-P01-S046"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Official authorising-body status and any limitation for actual individual; no person searched.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E05 DAS debtor/insolvency registers","researcher_record":{"Coverage":"K-E05 DAS debtor/insolvency registers","Status":"Answered","Finding and claim/source cross-reference":"Both have limited record purposes: C050; S043–S044.","Exact missing evidence or next retrieval":"Do not use individual debtor entries to infer provider authorisation."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S043","C_SC-P01-S044"],"coordinator_claim_ids":["C_SC-P01-C050"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E05 DAS debtor/insolvency registers","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C050"],"source_ids":["C_SC-P01-S043","C_SC-P01-S044"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Do not use individual debtor entries to infer provider authorisation.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-E06 Documents and negative inference","researcher_record":{"Coverage":"K-E06 Documents and negative inference","Status":"Answered as verification design","Finding and claim/source cross-reference":"Legal person, credit agreement, service, compensation, payments and role must match C001–C027, C047–C051; S001–S027, S041–S047.","Exact missing evidence or next retrieval":"Actual contracts/permission documents absent; no provider or settlement result verified."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S003","C_SC-P01-S004","C_SC-P01-S005","C_SC-P01-S006","C_SC-P01-S007","C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S010","C_SC-P01-S011","C_SC-P01-S012","C_SC-P01-S013","C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017","C_SC-P01-S018","C_SC-P01-S019","C_SC-P01-S020","C_SC-P01-S021","C_SC-P01-S022","C_SC-P01-S023","C_SC-P01-S024","C_SC-P01-S025","C_SC-P01-S026","C_SC-P01-S027","C_SC-P01-S041","C_SC-P01-S042","C_SC-P01-S043","C_SC-P01-S044","C_SC-P01-S045","C_SC-P01-S046","C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009","C_SC-P01-C010","C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C017","C_SC-P01-C018","C_SC-P01-C019","C_SC-P01-C020","C_SC-P01-C021","C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026","C_SC-P01-C027","C_SC-P01-C047","C_SC-P01-C048","C_SC-P01-C049","C_SC-P01-C050","C_SC-P01-C051"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-E06 Documents and negative inference","original_status":"Answered as verification design","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009","C_SC-P01-C010","C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C017","C_SC-P01-C018","C_SC-P01-C019","C_SC-P01-C020","C_SC-P01-C021","C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026","C_SC-P01-C027","C_SC-P01-C047","C_SC-P01-C048","C_SC-P01-C049","C_SC-P01-C050","C_SC-P01-C051"],"source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S003","C_SC-P01-S004","C_SC-P01-S005","C_SC-P01-S006","C_SC-P01-S007","C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S010","C_SC-P01-S011","C_SC-P01-S012","C_SC-P01-S013","C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017","C_SC-P01-S018","C_SC-P01-S019","C_SC-P01-S020","C_SC-P01-S021","C_SC-P01-S022","C_SC-P01-S023","C_SC-P01-S024","C_SC-P01-S025","C_SC-P01-S026","C_SC-P01-S027","C_SC-P01-S041","C_SC-P01-S042","C_SC-P01-S043","C_SC-P01-S044","C_SC-P01-S045","C_SC-P01-S046","C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Actual contracts/permission documents absent; no provider or settlement result verified.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-F01 DAS/DPP adviser","researcher_record":{"Coverage":"K-F01 DAS/DPP adviser","Status":"Answered","Finding and claim/source cross-reference":"Statutory approval distinct from private creditor negotiation: C029, C031–C037; S028–S034.","Exact missing evidence or next retrieval":"Programme procedure intentionally deferred."},"coordinator_acceptance":"partial_mandatory_gateway_criteria_unread_UNSENT","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034"],"coordinator_claim_ids":["C_SC-P01-C029","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-F01 DAS/DPP adviser","original_status":"Answered","coordinator_disposition":"partial_mandatory_gateway_criteria_unread_UNSENT","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C029","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037"],"source_ids":["C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034"],"finding_ids":["C_SC-P01-Q001"],"missing_evidence_and_next_action_preserved":"Programme procedure intentionally deferred.","additional_hold":"Schedule3 training / Schedule4 distributor-fitness full criteria unread; no complete approval gateway acceptance.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-F02 Legal-person DAS debtor","researcher_record":{"Coverage":"K-F02 Legal-person DAS debtor","Status":"Answered","Finding and claim/source cross-reference":"IP-category adviser under reg8A: C033; S030–S031.","Exact missing evidence or next retrieval":"Entity form/actual IP classification for a real case."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S030","C_SC-P01-S031"],"coordinator_claim_ids":["C_SC-P01-C033"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-F02 Legal-person DAS debtor","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C033"],"source_ids":["C_SC-P01-S030","C_SC-P01-S031"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Entity form/actual IP classification for a real case.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-F03 Scottish sequestration trustee","researcher_record":{"Coverage":"K-F03 Scottish sequestration trustee","Status":"Partial","Finding and claim/source cross-reference":"IP/AiB capacities identified: C023–C025, C041; S040–S041.","Exact missing evidence or next retrieval":"Updated 2016 Act provisions, appointment and full sequestration mechanics later."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-F03 Scottish sequestration trustee","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C041"],"source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Updated 2016 Act provisions, appointment and full sequestration mechanics later.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-F04 Protected-trust-deed trustee","researcher_record":{"Coverage":"K-F04 Protected-trust-deed trustee","Status":"Partial","Finding and claim/source cross-reference":"Trustee qualification and protected status separated: C023–C025, C042; S040–S041.","Exact missing evidence or next retrieval":"Later statutory amendments and full PTD process separately."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C042"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-F04 Protected-trust-deed trustee","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C042"],"source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Later statutory amendments and full PTD process separately.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-F05 Exclusion of non-Scots mechanism labels","researcher_record":{"Coverage":"K-F05 Exclusion of non-Scots mechanism labels","Status":"Answered for classification","Finding and claim/source cross-reference":"Scottish names positively located: C030; S028, S040–S041.","Exact missing evidence or next retrieval":"No import of IVA/DRO/DSA/PIA rules; country comparisons excluded."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S040","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C030"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-F05 Exclusion of non-Scots mechanism labels","original_status":"Answered for classification","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C030"],"source_ids":["C_SC-P01-S028","C_SC-P01-S040","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"No import of IVA/DRO/DSA/PIA rules; country comparisons excluded.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-G01 Bounded decision scenarios","researcher_record":{"Coverage":"K-G01 Bounded decision scenarios","Status":"Answered","Finding and claim/source cross-reference":"Six hypotheticals G1–G6 cover commercial, nonprofit, IP, online/AR, creditor-side and DAS distributor/entity: C001–C048; S001–S047.","Exact missing evidence or next retrieval":"Each lists its own missing documents and check; no real entity tested."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S003","C_SC-P01-S004","C_SC-P01-S005","C_SC-P01-S006","C_SC-P01-S007","C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S010","C_SC-P01-S011","C_SC-P01-S012","C_SC-P01-S013","C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017","C_SC-P01-S018","C_SC-P01-S019","C_SC-P01-S020","C_SC-P01-S021","C_SC-P01-S022","C_SC-P01-S023","C_SC-P01-S024","C_SC-P01-S025","C_SC-P01-S026","C_SC-P01-S027","C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034","C_SC-P01-S035","C_SC-P01-S036","C_SC-P01-S037","C_SC-P01-S038","C_SC-P01-S039","C_SC-P01-S040","C_SC-P01-S041","C_SC-P01-S042","C_SC-P01-S043","C_SC-P01-S044","C_SC-P01-S045","C_SC-P01-S046","C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009","C_SC-P01-C010","C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C017","C_SC-P01-C018","C_SC-P01-C019","C_SC-P01-C020","C_SC-P01-C021","C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026","C_SC-P01-C027","C_SC-P01-C028","C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037","C_SC-P01-C038","C_SC-P01-C039","C_SC-P01-C040","C_SC-P01-C041","C_SC-P01-C042","C_SC-P01-C043","C_SC-P01-C044","C_SC-P01-C045","C_SC-P01-C046","C_SC-P01-C047","C_SC-P01-C048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-G01 Bounded decision scenarios","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C002","C_SC-P01-C003","C_SC-P01-C004","C_SC-P01-C005","C_SC-P01-C006","C_SC-P01-C007","C_SC-P01-C008","C_SC-P01-C009","C_SC-P01-C010","C_SC-P01-C011","C_SC-P01-C012","C_SC-P01-C013","C_SC-P01-C014","C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C017","C_SC-P01-C018","C_SC-P01-C019","C_SC-P01-C020","C_SC-P01-C021","C_SC-P01-C022","C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C026","C_SC-P01-C027","C_SC-P01-C028","C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037","C_SC-P01-C038","C_SC-P01-C039","C_SC-P01-C040","C_SC-P01-C041","C_SC-P01-C042","C_SC-P01-C043","C_SC-P01-C044","C_SC-P01-C045","C_SC-P01-C046","C_SC-P01-C047","C_SC-P01-C048"],"source_ids":["C_SC-P01-S001","C_SC-P01-S002","C_SC-P01-S003","C_SC-P01-S004","C_SC-P01-S005","C_SC-P01-S006","C_SC-P01-S007","C_SC-P01-S008","C_SC-P01-S009","C_SC-P01-S010","C_SC-P01-S011","C_SC-P01-S012","C_SC-P01-S013","C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S017","C_SC-P01-S018","C_SC-P01-S019","C_SC-P01-S020","C_SC-P01-S021","C_SC-P01-S022","C_SC-P01-S023","C_SC-P01-S024","C_SC-P01-S025","C_SC-P01-S026","C_SC-P01-S027","C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034","C_SC-P01-S035","C_SC-P01-S036","C_SC-P01-S037","C_SC-P01-S038","C_SC-P01-S039","C_SC-P01-S040","C_SC-P01-S041","C_SC-P01-S042","C_SC-P01-S043","C_SC-P01-S044","C_SC-P01-S045","C_SC-P01-S046","C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Each lists its own missing documents and check; no real entity tested.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-G02 Numeric safeguards","researcher_record":{"Coverage":"K-G02 Numeric safeguards","Status":"Answered","Finding and claim/source cross-reference":"Two fully computed CONC10 examples, £5,000 and £20,000: C044–C045; S025 §§10.2.5–10.2.11.","Exact missing evidence or next retrieval":"Individual firm's accounting base; no asserted consumer payout or agency charge."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S025"],"coordinator_claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-G02 Numeric safeguards","original_status":"Answered","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"source_ids":["C_SC-P01-S025"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Individual firm's accounting base; no asserted consumer payout or agency charge.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-G03 Unauthorised activity consequences","researcher_record":{"Coverage":"K-G03 Unauthorised activity consequences","Status":"Partial","Finding and claim/source cross-reference":"FSMA s23 offence elements located in dated source; no automatic debt-invalidity claim: C049; S006, S051–S052.","Exact missing evidence or next retrieval":"Current full s23 text, all defences/procedure and s26 onward before any remedy conclusion."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S006","C_SC-P01-S051","C_SC-P01-S052"],"coordinator_claim_ids":["C_SC-P01-C049"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-G03 Unauthorised activity consequences","original_status":"Partial","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C049"],"source_ids":["C_SC-P01-S006","C_SC-P01-S051","C_SC-P01-S052"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Current full s23 text, all defences/procedure and s26 onward before any remedy conclusion.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-G04 General reader opportunity questions","researcher_record":{"Coverage":"K-G04 General reader opportunity questions","Status":"Answered as questions only","Finding and claim/source cross-reference":"FCA and DAS distinctions support the neutral questions below: C008, C016, C021, C027, C033, C043, C048; S004, S017, S023, S030–S032, S047.","Exact missing evidence or next retrieval":"No website, tool, provider matching or actual advice workflow implemented."},"coordinator_acceptance":"scoped_reviewed_with_source_version_application_holds","coordinator_source_ids":["C_SC-P01-S004","C_SC-P01-S017","C_SC-P01-S023","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C008","C_SC-P01-C016","C_SC-P01-C021","C_SC-P01-C027","C_SC-P01-C033","C_SC-P01-C043","C_SC-P01-C048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-G04 General reader opportunity questions","original_status":"Answered as questions only","coordinator_disposition":"scoped_reviewed_with_source_version_application_holds","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C008","C_SC-P01-C016","C_SC-P01-C021","C_SC-P01-C027","C_SC-P01-C033","C_SC-P01-C043","C_SC-P01-C048"],"source_ids":["C_SC-P01-S004","C_SC-P01-S017","C_SC-P01-S023","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"No website, tool, provider matching or actual advice workflow implemented.","additional_hold":"Exact public-source read map, unreopened authorities and original source/actual-application holds continue.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H01 Fee earning/commission models","researcher_record":{"Coverage":"K-H01 Fee earning/commission models","Status and P01 boundary":"Deferred; business classification only, C002, C019; S002, S016.","Exact next research question":"Which Scottish/UK rules permit or restrict direct debtor fees, creditor payments, commissions and indirect referral benefits for each provider class?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S002","C_SC-P01-S016"],"coordinator_claim_ids":["C_SC-P01-C002","C_SC-P01-C019"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H01 Fee earning/commission models","original_status":"Deferred; business classification only, C002, C019; S002, S016.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C002","C_SC-P01-C019"],"source_ids":["C_SC-P01-S002","C_SC-P01-S016"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which Scottish/UK rules permit or restrict direct debtor fees, creditor payments, commissions and indirect referral benefits for each provider class?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H02 When fees may be earned or collected","researcher_record":{"Coverage":"K-H02 When fees may be earned or collected","Status and P01 boundary":"Deferred; FCA prudential resources are not fees, C044–C045; S025.","Exact next research question":"What advance-fee prohibitions, milestone-based charging rules and payment-timing restrictions actually apply to each debt-management or adviser service?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S025"],"coordinator_claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H02 When fees may be earned or collected","original_status":"Deferred; FCA prudential resources are not fees, C044–C045; S025.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C044","C_SC-P01-C045"],"source_ids":["C_SC-P01-S025"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What advance-fee prohibitions, milestone-based charging rules and payment-timing restrictions actually apply to each debt-management or adviser service?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H03 Fee caps and amounts","researcher_record":{"Coverage":"K-H03 Fee caps and amounts","Status and P01 boundary":"Deferred; no consumer-fee amount accepted.","Exact next research question":"Are any price ceilings, prescribed percentages, actual-cost limitations or charging prohibitions in force for private negotiations, statutory advisers and particular debts?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H03 Fee caps and amounts","original_status":"Deferred; no consumer-fee amount accepted.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Are any price ceilings, prescribed percentages, actual-cost limitations or charging prohibitions in force for private negotiations, statutory advisers and particular debts?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H04 Cancellation and cooling-off","researcher_record":{"Coverage":"K-H04 Cancellation and cooling-off","Status and P01 boundary":"Deferred.","Exact next research question":"What contract cancellation rights, notices, cooling-off periods and service-specific exceptions apply to remote, telephone and in-person Scottish engagements?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H04 Cancellation and cooling-off","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What contract cancellation rights, notices, cooling-off periods and service-specific exceptions apply to remote, telephone and in-person Scottish engagements?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H05 Refunds and failed programmes","researcher_record":{"Coverage":"K-H05 Refunds and failed programmes","Status and P01 boundary":"Deferred.","Exact next research question":"When must charges be returned for cancellation, termination, failed creditor negotiation, misrepresentation or failure to perform?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H05 Refunds and failed programmes","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"When must charges be returned for cancellation, termination, failed creditor negotiation, misrepresentation or failure to perform?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H06 Contract formation and required terms","researcher_record":{"Coverage":"K-H06 Contract formation and required terms","Status and P01 boundary":"Deferred; authority is distinct from contract validity, C001, C049; S001, S051.","Exact next research question":"Which written agreements, consents, authorities, disclosure terms, duration, termination provisions and enforceability rules apply?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S001","C_SC-P01-S051"],"coordinator_claim_ids":["C_SC-P01-C001","C_SC-P01-C049"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H06 Contract formation and required terms","original_status":"Deferred; authority is distinct from contract validity, C001, C049; S001, S051.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C001","C_SC-P01-C049"],"source_ids":["C_SC-P01-S001","C_SC-P01-S051"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which written agreements, consents, authorities, disclosure terms, duration, termination provisions and enforceability rules apply?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H07 Pre-contract and continuing disclosures","researcher_record":{"Coverage":"K-H07 Pre-contract and continuing disclosures","Status and P01 boundary":"Deferred; preliminary CONC 8 applicability only, C007, C043; S022.","Exact next research question":"What must be disclosed about cost, risk, alternatives, creditors, credit impacts, missed payments, insolvency and expected performance?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S022"],"coordinator_claim_ids":["C_SC-P01-C007","C_SC-P01-C043"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H07 Pre-contract and continuing disclosures","original_status":"Deferred; preliminary CONC 8 applicability only, C007, C043; S022.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C007","C_SC-P01-C043"],"source_ids":["C_SC-P01-S022"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What must be disclosed about cost, risk, alternatives, creditors, credit impacts, missed payments, insolvency and expected performance?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H08 Advice suitability, affordability and vulnerable customers","researcher_record":{"Coverage":"K-H08 Advice suitability, affordability and vulnerable customers","Status and P01 boundary":"Deferred; territorial guidance noted, C053; S022.","Exact next research question":"What exact FCA/Scottish standards, records and special protections govern suitability, affordable budgets, conflicts and vulnerable borrowers?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S022"],"coordinator_claim_ids":["C_SC-P01-C053"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H08 Advice suitability, affordability and vulnerable customers","original_status":"Deferred; territorial guidance noted, C053; S022.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C053"],"source_ids":["C_SC-P01-S022"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What exact FCA/Scottish standards, records and special protections govern suitability, affordable budgets, conflicts and vulnerable borrowers?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H09 Advertising, lead generation and referral conflicts","researcher_record":{"Coverage":"K-H09 Advertising, lead generation and referral conflicts","Status and P01 boundary":"Deferred; activity classification only, C013–C014; S013, S022.","Exact next research question":"What financial-promotion, consumer-advertising, referral disclosure, incentive and steering rules apply to paid and free leads?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S013","C_SC-P01-S022"],"coordinator_claim_ids":["C_SC-P01-C013","C_SC-P01-C014"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H09 Advertising, lead generation and referral conflicts","original_status":"Deferred; activity classification only, C013–C014; S013, S022.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C013","C_SC-P01-C014"],"source_ids":["C_SC-P01-S013","C_SC-P01-S022"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What financial-promotion, consumer-advertising, referral disclosure, incentive and steering rules apply to paid and free leads?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H10 Data, privacy, recording and marketing permissions","researcher_record":{"Coverage":"K-H10 Data, privacy, recording and marketing permissions","Status and P01 boundary":"Deferred.","Exact next research question":"What UK GDPR, Data Protection Act, PECR, telephone consent, recording, sensitive-information and retention requirements apply to each workflow?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H10 Data, privacy, recording and marketing permissions","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What UK GDPR, Data Protection Act, PECR, telephone consent, recording, sensitive-information and retention requirements apply to each workflow?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H11 Client-money holding and reconciliation","researcher_record":{"Coverage":"K-H11 Client-money holding and reconciliation","Status and P01 boundary":"Deferred; payment-flow classification only, C048; S047.","Exact next research question":"Which FCA/client-money or other statutory rules govern receiving, segregating, reconciling, investing and returning debtors' funds?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H11 Client-money holding and reconciliation","original_status":"Deferred; payment-flow classification only, C048; S047.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C048"],"source_ids":["C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which FCA/client-money or other statutory rules govern receiving, segregating, reconciling, investing and returning debtors' funds?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H12 Payment-services authorisation and safeguarding","researcher_record":{"Coverage":"K-H12 Payment-services authorisation and safeguarding","Status and P01 boundary":"Deferred; only original PSR gateway identified, C048; S047.","Exact next research question":"What 2026 consolidated payment-services permissions, exemptions, small-institution conditions, safeguarding and insolvency protections apply to each funds-flow model?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S047"],"coordinator_claim_ids":["C_SC-P01-C048"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H12 Payment-services authorisation and safeguarding","original_status":"Deferred; only original PSR gateway identified, C048; S047.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C048"],"source_ids":["C_SC-P01-S047"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What 2026 consolidated payment-services permissions, exemptions, small-institution conditions, safeguarding and insolvency protections apply to each funds-flow model?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H13 Professional client accounts, trust funds and insolvency monies","researcher_record":{"Coverage":"K-H13 Professional client accounts, trust funds and insolvency monies","Status and P01 boundary":"Deferred; IP caution ≠ client money, C024; S041.","Exact next research question":"What Scottish solicitors' accounts rules, professional PII, statutory trustee-money obligations and beneficial-ownership rules apply to funds?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C024"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H13 Professional client accounts, trust funds and insolvency monies","original_status":"Deferred; IP caution ≠ client money, C024; S041.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C024"],"source_ids":["C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What Scottish solicitors' accounts rules, professional PII, statutory trustee-money obligations and beneficial-ownership rules apply to funds?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H14 Consumer complaints and regulator/private redress","researcher_record":{"Coverage":"K-H14 Consumer complaints and regulator/private redress","Status and P01 boundary":"Deferred; official status-check limitations only, C047; S026–S027.","Exact next research question":"Which complaint recipient, Financial Ombudsman jurisdiction, Financial Services Compensation Scheme conditions and compensation exclusions apply by service and status?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S026","C_SC-P01-S027"],"coordinator_claim_ids":["C_SC-P01-C047"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H14 Consumer complaints and regulator/private redress","original_status":"Deferred; official status-check limitations only, C047; S026–S027.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C047"],"source_ids":["C_SC-P01-S026","C_SC-P01-S027"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which complaint recipient, Financial Ombudsman jurisdiction, Financial Services Compensation Scheme conditions and compensation exclusions apply by service and status?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H15 Regulatory action and professional discipline","researcher_record":{"Coverage":"K-H15 Regulatory action and professional discipline","Status and P01 boundary":"Deferred; general prohibition classification only, C049; S006.","Exact next research question":"Which FCA, DAS Administrator, AiB and recognised-professional-body powers, sanctions, publication and appeal routes apply to each violation?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S006"],"coordinator_claim_ids":["C_SC-P01-C049"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H15 Regulatory action and professional discipline","original_status":"Deferred; general prohibition classification only, C049; S006.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C049"],"source_ids":["C_SC-P01-S006"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which FCA, DAS Administrator, AiB and recognised-professional-body powers, sanctions, publication and appeal routes apply to each violation?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H16 Contract validity, restitution, damages and injunctions","researcher_record":{"Coverage":"K-H16 Contract validity, restitution, damages and injunctions","Status and P01 boundary":"Deferred; s26 body not obtained, S051.","Exact next research question":"What do current FSMA §§26–28, other relevant statutes and Scottish private law actually provide for contracts and consumer remedies after unauthorised activity?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S051"],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H16 Contract validity, restitution, damages and injunctions","original_status":"Deferred; s26 body not obtained, S051.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":["C_SC-P01-S051"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What do current FSMA §§26–28, other relevant statutes and Scottish private law actually provide for contracts and consumer remedies after unauthorised activity?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H17 Informal debt-management products and consolidation","researcher_record":{"Coverage":"K-H17 Informal debt-management products and consolidation","Status and P01 boundary":"Deferred; private versus statutory distinction only, C029–C030; S028.","Exact next research question":"What are the legal characteristics of informal DMPs, individual settlements, refinancing, consolidation and secured restructuring, including creditor-consent limits?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S028"],"coordinator_claim_ids":["C_SC-P01-C029","C_SC-P01-C030"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H17 Informal debt-management products and consolidation","original_status":"Deferred; private versus statutory distinction only, C029–C030; S028.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C029","C_SC-P01-C030"],"source_ids":["C_SC-P01-S028"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are the legal characteristics of informal DMPs, individual settlements, refinancing, consolidation and secured restructuring, including creditor-consent limits?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H18 Debt collection, validation and disputes","researcher_record":{"Coverage":"K-H18 Debt collection, validation and disputes","Status and P01 boundary":"Deferred; only the provider's 39F classification is answered, C011; S008.","Exact next research question":"What can Scottish debtors require or contest concerning creditor identity, assignments, amount, statements, evidence, collection conduct and dispute handling?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S008"],"coordinator_claim_ids":["C_SC-P01-C011"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H18 Debt collection, validation and disputes","original_status":"Deferred; only the provider's 39F classification is answered, C011; S008.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C011"],"source_ids":["C_SC-P01-S008"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What can Scottish debtors require or contest concerning creditor identity, assignments, amount, statements, evidence, collection conduct and dispute handling?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H19 Prescription, limitation and revival","researcher_record":{"Coverage":"K-H19 Prescription, limitation and revival","Status and P01 boundary":"Deferred.","Exact next research question":"Which Scottish prescriptive periods and interruption/relevant-claim/acknowledgment rules apply by debt type, judgment and payment history?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H19 Prescription, limitation and revival","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which Scottish prescriptive periods and interruption/relevant-claim/acknowledgment rules apply by debt type, judgment and payment history?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H20 Credit reporting","researcher_record":{"Coverage":"K-H20 Credit reporting","Status and P01 boundary":"Deferred.","Exact next research question":"How must defaults, arrears, settlements, partial settlements, insolvencies and corrections be recorded, retained, challenged and removed?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H20 Credit reporting","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"How must defaults, arrears, settlements, partial settlements, insolvencies and corrections be recorded, retained, challenged and removed?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H21 Courts, jurisdiction and service","researcher_record":{"Coverage":"K-H21 Courts, jurisdiction and service","Status and P01 boundary":"Deferred.","Exact next research question":"Which Scottish court or tribunal hears each debt claim, and how do citation/service, jurisdiction, representation and procedural requirements operate?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H21 Courts, jurisdiction and service","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which Scottish court or tribunal hears each debt claim, and how do citation/service, jurisdiction, representation and procedural requirements operate?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H22 Default decisions, decrees, recall and appeals","researcher_record":{"Coverage":"K-H22 Default decisions, decrees, recall and appeals","Status and P01 boundary":"Deferred.","Exact next research question":"How are undefended claims, decrees, recalls, challenges and appeals processed; what consequences follow, by procedure?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H22 Default decisions, decrees, recall and appeals","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"How are undefended claims, decrees, recalls, challenges and appeals processed; what consequences follow, by procedure?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H23 Enforcement and diligence","researcher_record":{"Coverage":"K-H23 Enforcement and diligence","Status and P01 boundary":"Deferred.","Exact next research question":"What are the rules for Scottish attachment, earnings arrestment, bank arrestment, inhibition, exceptional attachment and other diligence, including notice and challenge?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H23 Enforcement and diligence","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are the rules for Scottish attachment, earnings arrestment, bank arrestment, inhibition, exceptional attachment and other diligence, including notice and challenge?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H24 Exempt income, goods, homes and other property","researcher_record":{"Coverage":"K-H24 Exempt income, goods, homes and other property","Status and P01 boundary":"Deferred.","Exact next research question":"Which income, benefits, wages, household goods and asset interests are protected from each creditor remedy or insolvency process?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H24 Exempt income, goods, homes and other property","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which income, benefits, wages, household goods and asset interests are protected from each creditor remedy or insolvency process?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H25 Secured lending, mortgages and repossession","researcher_record":{"Coverage":"K-H25 Secured lending, mortgages and repossession","Status and P01 boundary":"Deferred; RAO 39J classification only, C017; S010.","Exact next research question":"Which security, default, pre-action, repossession, shortfall, ranking and home-protection rules govern Scottish mortgage and secured arrears?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S010"],"coordinator_claim_ids":["C_SC-P01-C017"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H25 Secured lending, mortgages and repossession","original_status":"Deferred; RAO 39J classification only, C017; S010.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C017"],"source_ids":["C_SC-P01-S010"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which security, default, pre-action, repossession, shortfall, ranking and home-protection rules govern Scottish mortgage and secured arrears?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H26 Rent and tenancy arrears","researcher_record":{"Coverage":"K-H26 Rent and tenancy arrears","Status and P01 boundary":"Deferred.","Exact next research question":"What are the separate protections and court/tribunal routes for private, social and other Scottish tenancies, including eviction and repayment agreements?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H26 Rent and tenancy arrears","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are the separate protections and court/tribunal routes for private, social and other Scottish tenancies, including eviction and repayment agreements?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H27 Medical, utilities, telecom and service debts","researcher_record":{"Coverage":"K-H27 Medical, utilities, telecom and service debts","Status and P01 boundary":"Deferred.","Exact next research question":"Which category-specific collection, disconnection, billing-dispute, hardship and public-service obligations apply?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H27 Medical, utilities, telecom and service debts","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which category-specific collection, disconnection, billing-dispute, hardship and public-service obligations apply?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H28 Family support, maintenance, fines and penalties","researcher_record":{"Coverage":"K-H28 Family support, maintenance, fines and penalties","Status and P01 boundary":"Deferred.","Exact next research question":"Which child/spousal maintenance, criminal fines, penalties and other statutory liabilities have special collection priority or enforcement rules?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H28 Family support, maintenance, fines and penalties","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which child/spousal maintenance, criminal fines, penalties and other statutory liabilities have special collection priority or enforcement rules?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H29 Tax, council tax, government and other public debts","researcher_record":{"Coverage":"K-H29 Tax, council tax, government and other public debts","Status and P01 boundary":"Deferred.","Exact next research question":"Which HMRC, Revenue Scotland, local-authority, overpayment and other public-debt procedures permit arrangements, deductions, disputes or special enforcement?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H29 Tax, council tax, government and other public debts","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which HMRC, Revenue Scotland, local-authority, overpayment and other public-debt procedures permit arrangements, deductions, disputes or special enforcement?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H30 Public financial assistance and free help","researcher_record":{"Coverage":"K-H30 Public financial assistance and free help","Status and P01 boundary":"Deferred; local-authority/DAS adviser categories only, C020, C032; S011, S030.","Exact next research question":"What actual benefits, grants, hardship funds, public debt-advice availability and eligibility pathways exist in Scotland, and who may access them?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S011","C_SC-P01-S030"],"coordinator_claim_ids":["C_SC-P01-C020","C_SC-P01-C032"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H30 Public financial assistance and free help","original_status":"Deferred; local-authority/DAS adviser categories only, C020, C032; S011, S030.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C020","C_SC-P01-C032"],"source_ids":["C_SC-P01-S011","C_SC-P01-S030"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What actual benefits, grants, hardship funds, public debt-advice availability and eligibility pathways exist in Scotland, and who may access them?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H31 Complete DAS/DPP procedure","researcher_record":{"Coverage":"K-H31 Complete DAS/DPP procedure","Status and P01 boundary":"Deferred; adviser/distributor gateway only, C029–C040; S028–S039.","Exact next research question":"What are all current debtor eligibility rules, joint/entity routes, application steps, forms, creditor consideration, protections, variations, revocation, distribution fees and completion consequences?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034","C_SC-P01-S035","C_SC-P01-S036","C_SC-P01-S037","C_SC-P01-S038","C_SC-P01-S039"],"coordinator_claim_ids":["C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037","C_SC-P01-C038","C_SC-P01-C039","C_SC-P01-C040"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H31 Complete DAS/DPP procedure","original_status":"Deferred; adviser/distributor gateway only, C029–C040; S028–S039.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C029","C_SC-P01-C030","C_SC-P01-C031","C_SC-P01-C032","C_SC-P01-C033","C_SC-P01-C034","C_SC-P01-C035","C_SC-P01-C036","C_SC-P01-C037","C_SC-P01-C038","C_SC-P01-C039","C_SC-P01-C040"],"source_ids":["C_SC-P01-S028","C_SC-P01-S029","C_SC-P01-S030","C_SC-P01-S031","C_SC-P01-S032","C_SC-P01-S033","C_SC-P01-S034","C_SC-P01-S035","C_SC-P01-S036","C_SC-P01-S037","C_SC-P01-S038","C_SC-P01-S039"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are all current debtor eligibility rules, joint/entity routes, application steps, forms, creditor consideration, protections, variations, revocation, distribution fees and completion consequences?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H32 Complete sequestration/bankruptcy","researcher_record":{"Coverage":"K-H32 Complete sequestration/bankruptcy","Status and P01 boundary":"Deferred; trustee qualification only, C023–C025, C041; S040–S041.","Exact next research question":"What are the current award, creditor/debtor application, Minimal Asset Process and other branches, forms, costs, protected assets, contributions, tax, discharge and review rules?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C041"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H32 Complete sequestration/bankruptcy","original_status":"Deferred; trustee qualification only, C023–C025, C041; S040–S041.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C041"],"source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are the current award, creditor/debtor application, Minimal Asset Process and other branches, forms, costs, protected assets, contributions, tax, discharge and review rules?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H33 Complete protected trust deeds","researcher_record":{"Coverage":"K-H33 Complete protected trust deeds","Status and P01 boundary":"Deferred; trustee and statutory naming only, C023–C025, C042; S040–S041.","Exact next research question":"What are the current PTD eligibility, trustee obligations, creditor-consent/protection, forms, fees, distributions, termination and discharge consequences?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C042"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H33 Complete protected trust deeds","original_status":"Deferred; trustee and statutory naming only, C023–C025, C042; S040–S041.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C023","C_SC-P01-C024","C_SC-P01-C025","C_SC-P01-C042"],"source_ids":["C_SC-P01-S040","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"What are the current PTD eligibility, trustee obligations, creditor-consent/protection, forms, fees, distributions, termination and discharge consequences?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H34 Other business/partnership insolvency and guarantor interaction","researcher_record":{"Coverage":"K-H34 Other business/partnership insolvency and guarantor interaction","Status and P01 boundary":"Deferred; 390A licence scope and 8A entity adviser distinction only, C015–C016, C025, C033; S014–S016, S031, S041.","Exact next research question":"Which actual Scottish and UK regimes govern company, partnership, sole trader and guarantor obligations, without importing consumer routes?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S031","C_SC-P01-S041"],"coordinator_claim_ids":["C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C025","C_SC-P01-C033"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H34 Other business/partnership insolvency and guarantor interaction","original_status":"Deferred; 390A licence scope and 8A entity adviser distinction only, C015–C016, C025, C033; S014–S016, S031, S041.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C015","C_SC-P01-C016","C_SC-P01-C025","C_SC-P01-C033"],"source_ids":["C_SC-P01-S014","C_SC-P01-S015","C_SC-P01-S016","C_SC-P01-S031","C_SC-P01-S041"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which actual Scottish and UK regimes govern company, partnership, sole trader and guarantor obligations, without importing consumer routes?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H35 A098 foreign currencies and payment conversion","researcher_record":{"Coverage":"K-H35 A098 foreign currencies and payment conversion","Status and P01 boundary":"Deferred.","Exact next research question":"Which currency, exchange-rate, payment-location and conversion rules control a cross-border debt or settlement, and when?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H35 A098 foreign currencies and payment conversion","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which currency, exchange-rate, payment-location and conversion rules control a cross-border debt or settlement, and when?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H36 A098 choice of law, jurisdiction, judgments and recognition","researcher_record":{"Coverage":"K-H36 A098 choice of law, jurisdiction, judgments and recognition","Status and P01 boundary":"Deferred; territorial FSMA classification only, C046; S005, S019.","Exact next research question":"Which law governs each debt/contract, which court has jurisdiction, and how are Scottish or foreign judgments/insolvencies recognised and enforced?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"coordinator_claim_ids":["C_SC-P01-C046"],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H36 A098 choice of law, jurisdiction, judgments and recognition","original_status":"Deferred; territorial FSMA classification only, C046; S005, S019.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":["C_SC-P01-C046"],"source_ids":["C_SC-P01-S005","C_SC-P01-S019"],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Which law governs each debt/contract, which court has jurisdiction, and how are Scottish or foreign judgments/insolvencies recognised and enforced?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H37 A098 foreign assets, creditor location and moving abroad","researcher_record":{"Coverage":"K-H37 A098 foreign assets, creditor location and moving abroad","Status and P01 boundary":"Deferred.","Exact next research question":"How do overseas assets, a debtor's relocation, creditor residence and differing insolvency systems affect enforcement, participation and protection?"},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H37 A098 foreign assets, creditor location and moving abroad","original_status":"Deferred.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"How do overseas assets, a debtor's relocation, creditor residence and differing insolvency systems affect enforcement, participation and protection?","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}},{"topic":"K-H38 All other local, sector, contract, profession and country questions","researcher_record":{"Coverage":"K-H38 All other local, sector, contract, profession and country questions","Status and P01 boundary":"Excluded from P01.","Exact next research question":"Commission separate investigations of Scottish sector-specific law, local practice, professional indemnity/disciplinary rules, statutory interpretation and each other country or UK jurisdiction on its own primary authority."},"coordinator_acceptance":"deferred_or_excluded_not_accepted","coordinator_source_ids":[],"coordinator_claim_ids":[],"coordinator_review":{"at":"2026-10-29T04:50:24.648485+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","disposition":{"topic":"K-H38 All other local, sector, contract, profession and country questions","original_status":"Excluded from P01.","coordinator_disposition":"deferred_or_excluded_not_accepted","original_researcher_record_preserved":true,"claim_ids":[],"source_ids":[],"finding_ids":[],"missing_evidence_and_next_action_preserved":"Commission separate investigations of Scottish sector-specific law, local practice, professional indemnity/disciplinary rules, statutory interpretation and each other country or UK jurisdiction on its own primary authority.","additional_hold":"Future saved-work question only; no new request authorized.","accepted":false,"parent_assignment_complete":false},"source_checks":"[internal evidence reference]","independent_review":false,"parent_assignment_complete":false}}],"annotations":{},"corrections":[{"issue_id":"C_SC-P01-Q001","finding":"The complete DAS adviser-training and distributor-fitness gateway remains unread The general approval routes are supported. But regulation9(2)(a) incorporates Schedule3 training, and regulation14(4) makes Schedule4 criteria necessary to fitness. Neither complete schedule was read or registered. The brief expressly asks for competence/fitness gateway predicates; K-C06/K-C07 cannot represent that entire gateway as answered solely subject to identifying a particular worker/distributor.","affected_claim_ids":["C_SC-P01-C037","C_SC-P01-C038"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.legislation.gov.uk/ssi/2011/141/regulation/9/data.html","https://www.legislation.gov.uk/ssi/2011/141/regulation/14/data.html"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"C_SC-P01-COORDINATOR-SCOPED-REVIEW","status":"scoped_coordinator_review_complete_gateway_coverage_correction_UNSENT_and_source_currentness_application_holds","at":null}]}