{"meta":{"key":"j_gu--pass-01","task":"J_GU","title":"Debt-relief provider regulation and applicability gateways","parent_title":"Guam debt and relief law","edition":"pass-01","path":"/research/j_gu--pass-01/","kind":"split_pass","category":"territory","role":"territory","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":25,"claims":48,"sources":45,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"a6cc7eec9ec44c4004f570a310145da38cbbfb6670d71ba93d4bc17532588eb8","headings":["Debt-relief provider regulation and applicability gateways","1. Guam jurisdiction and source-authority map","Currentness finding","2. The central Guam provider statute","Classification and exemption decision table","3. Authorization, registration, security, and oversight","Chapter 7 authorized-agency path","Three other registration layers","4. Provider charges and federal overlays","Guam fee law","Federal TSR: separate and sometimes much more restrictive","Credit repair: overlapping but different product","Operational federal/territorial applicability matrix","5. Contracts, cancellation, disbursements, and creditor independence","6. Territorial and federal consequences","7. Worked applicability examples","Example A — An out-of-state settlement company claims that its other-state license and attorney supervision are enough","Example B — The FTC debt-relief fee calculation","Example C — Canceling a service with money in a dedicated account","Additional federal recordkeeping finding","Separate bankruptcy approval list—important distinction","8. Read-only evaluation checklist","9. Complete source register","Territorial statutes, rules, and official source gateways","Federal text and applicability gateways","Courts, complaints, and assistance sources","10. Claim register — A066 / Guam provider-regulatory pass","Territorial authority, classification, and authorizations","Federal overlays and fees","Territorial/federal remedies, evidence limits, and examples","11. Granular coverage and gap register","Item 1 — Territorial authority, hierarchy, and applicability","Item 2 — Provider classification","Item 3 — License, registration, exemptions, and supervision","Item 4 — Permitted services, fee amount and timing","Item 5 — Agreement, cancellation, creditor participation, and customer funds","Item 6 — Consequences, remedies, process and resources","Six deferred parent dimensions","12. Bounded official search and decision results","Operational hold/allow matrix","13. Precise unresolved questions and publication holds","Publication decision by assertion type","14. Scoped researcher self-check","Final scoped assessment"],"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":"J_GU/pass-01","facets":{"geography":["us-territories","j_gu"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"Guam independent focused provider-regulatory and applicability gateway; other six parent dimensions deferred","pending_corrections":1},"markdown":"# SettleADebt J_GU PASS-01 — Guam\n\n## Debt-relief provider regulation and applicability gateways\n\nResearch dossier — not approved for publication or operational relianceResearch baseline: October 22, 2026, Pacific time\nPublic-source verification: October 26, 2026, Pacific time\nScope: Provider classification, authorization, fees, agreements, customer funds, enforcement, and territorial/federal applicability. The other six territory-dossier dimensions remain deferred.\n\nResearch provenance: Prepared in regular Chat using public web searches and opened primary-source text. No Deep Research, private records, account access, filings, contacts, or business operations. The interface does not independently expose a verifiable model/reasoning-tier identifier for this report, so no particular Pro tier is claimed.\n\n## 1. Guam jurisdiction and source-authority map\n\n| Authority | Actual role for this component | Governing source and boundary |\n| --- | --- | --- |\n| Guam Legislature | Enacts territorial statutes and amendments | Public laws and the Guam Code Annotated (GCA). The enacted public law controls an unauthorized discrepancy in a compiled code title. |\n| Supreme Court of Guam, Office of the Compiler of Laws | Officially publishes the GCA, Guam Administrative Rules and Regulations (GAR), session laws, and judicial opinions | 1 GCA §§ 100–102. The displayed consolidation date limits what an online chapter proves. |\n| Department of Revenue and Taxation (DRT) | General business licensing; banking and savings-and-loan functions | 11 GCA §§ 1103–1105 and 70101–70134. The general business license is separate from Chapter 7 credit-counseling authorization. |\n| Savings and Loan Commissioner / UCCC Administrator | Named recipient for Chapter 7 agency notices, bonds, and fee schedules | 14 GCA §§ 7106, 7107, 7111; 15 GAR § 2101(a). Current administrative delegation and procedure require confirmation. |\n| Office of the Attorney General, Consumer Protection Division | Territorial deceptive-trade-practices enforcement; registration of covered telephonic sellers | 5 GCA Chapter 32, especially Articles 1–3. |\n| Superior Court of Guam | Territorial trial-court forum for applicable civil, criminal, administrative-review, and enforcement proceedings | Local jurisdiction, subject to applicable federal jurisdiction. |\n| Supreme Court of Guam | Highest local appellate court | 48 U.S.C. § 1424-1. Its local-law judgments are not ordinarily reviewed by the Ninth Circuit under the former Guam-certiorari arrangement eliminated in 2004. |\n| District Court of Guam | Federal-court jurisdiction, including bankruptcy jurisdiction | 48 U.S.C. § 1424; official District Court bankruptcy guidance. Federal appeals follow the applicable federal appellate route. |\n| FTC and CFPB | Separate federal consumer-protection authorities where their respective statutory jurisdictional tests are satisfied | The Telemarketing Sales Rule (TSR), Credit Repair Organizations Act (CROA), and Title X of the Dodd–Frank Act. |\n\nAuthorities: J_GU-P01-S001–S011, S029–S032; claims C001–C005, C017–C018. Ch. 1 The Laws of Guam+4\n\n### Currentness finding\n\nA real version problem exists:\n\n- The official Compiler's 14 GCA Chapter 7 PDF bears `COL120106`—a 2006 compilation marker.\n- The Guam general business-license chapter bears `COL 2025-12-23`.\n- The Consumer Protection Act PDF bears `COL10/29/2021`.\n- The Compiler's 38th-Legislature table of affected code sections reaches Public Law 38-133.\n- The Legislature's public-law index, checked October 26, lists enactments through Public Law 38-145, signed October 17, 2026. The Compiler's various update notices do not uniformly reach that point.\n\nThe descriptions of recent public laws do not identify a targeted amendment to Chapter 7, but neither an older PDF nor an index search establishes conclusively that every intervening enactment, uncodified provision, rule, or effective-date provision has been reconciled. The Chapter 7 findings below are therefore verified text, with a live-law reconciliation hold, not a certification of the law currently in force in every detail. An enactment date, page-update date, and statutory effective date are different things. The Chapter 7 text expressly traces its original enactment to Public Law 9-253, approved September 4, 1968, effective June 30, 1969. [C001–C002, C040] Uniform Consumer Credit Code+4\n\nFederal geographic reach must be determined statute by statute:\n\n- TSR statute: 15 U.S.C. § 6106(3) includes U.S. territories and possessions in its definition of “State”; the regulatory definition in 16 CFR § 310.2(ff) does likewise. TSR telemarketing requires a campaign involving more than one interstate telephone call. Guam's inclusion does not make every Guam debt-relief transaction a TSR transaction.\n- FTC Act: 15 U.S.C. § 44 includes commerce within a U.S. territory in its commerce definition; its definition of “corporation” is relevant to bona fide nonprofit jurisdiction.\n- CFPB Title X: 12 U.S.C. § 5481(27) expressly names Guam, and § 5481(15)(A)(viii) includes individual financial advice concerning debt management or settlement within a potentially covered financial-product/service category.\n- CROA: 15 U.S.C. § 1679a applies its definition through interstate-commerce instrumentalities or the mails, not through an assumed Guam-equals-state provision in that section.\n- Bankruptcy: The District Court of Guam exercises bankruptcy jurisdiction. U.S. Trustee approval of bankruptcy credit-counseling agencies is not authorization to operate a Guam credit-counseling business under 14 GCA Chapter 7. [C004–C005, C022, C028, C033] uscode.house.gov+5\n\n## 2. The central Guam provider statute\n\n14 GCA Chapter 7, “Nonprofit Consumer Credit Counseling Agencies,” is the decisive located territorial provider-specific enactment. It is not merely a licensing statute for entities voluntarily using the label “credit counselor.” Its definition covers three alternative forms of conduct:\n\n1. Specialized counseling for members of the public suffering or potentially suffering economic hardship from credit.\n2. Acting as an agent for those individuals to resolve their economic difficulties.\n3. Receiving their money or other value for disbursement to creditors.\n\nA paid service that negotiates existing consumer debts on the debtor's behalf has a substantial textual path into the second category. A DMP operator receiving monthly debtor payments has a substantial path into the third. The absence of the marketing term “debt settlement” from the statute is not a safe exclusion. Whether a purely commercial-debt engagement or a remote provider with no Guam establishment is covered requires a separate analysis of the statutory language, transaction facts, and territorial nexus. [C006, C043] Uniform Consumer Credit Code\n\nSection 7103 prohibits engaging in, or holding oneself out as engaging in, the business of credit counseling, except for the statute's authorized agencies and specified persons.\n\n### Classification and exemption decision table\n\n| Activity or organizational claim | Chapter 7 result | Critical predicate |\n| --- | --- | --- |\n| Paid negotiation of an individual's unsecured credit-card debt | Likely covered | Acting as the person's agent to resolve credit-related economic difficulties; actual contractual role matters. |\n| DMP collecting debtor money for creditor distribution | Likely covered | Express receipt/disbursement branch of § 7102(1). |\n| Individualized counseling without taking debtor funds | Potentially covered | Specialized counseling branch does not require custody of funds. |\n| Free, generic articles or calculators | Not automatically covered | Whether activity amounts to specialized counseling or acting as an agent, rather than general publication, needs factual separation. |\n| Employer counseling its own employee | Excluded if conditions met | Employer-to-employee service without charge, § 7102(2)(a). |\n| Nonprofit whose principal purpose is something else | Excluded if conditions met | Counseling is incidental to its other principal purpose and is free or nominally charged, § 7102(2)(b). |\n| Newly established nonprofit primarily selling debt counseling | Not exempt merely for being nonprofit | Must satisfy Chapter 7's authorized-agency conditions; § 7102(2)(b) ordinarily will not fit its principal purpose. |\n| Attorney negotiating in the course of practicing law | Express § 7103 exception | Must actually be an attorney-at-law rendering services in the course of practice; an attorney nominally affiliated with an otherwise commercial operation is not thereby an automatic exemption. |\n| Court-directed actor | Express exception | Must actually act under court order or direction. |\n| Duly constituted nonprofit legal-aid bureau | Express exception | Real legal-aid character is required. |\n| Substantially government-funded provider | Conditional exception | Work must remain within the grant or appropriation's terms. |\n| Regular creditor restructuring its own customer's debt | Possible § 7102(2)(c) exclusion | Creditor activity, no direct compensation for the specified counseling/disbursement, and furtherance of its credit business. |\n| Independent person collecting a creditor's existing debt | Do not conflate | Creditor-side collection is not, solely for that reason, debtor-side counseling; other collector rules are deferred. |\n| Genuine new consolidation lender | Different primary classification | Lending and its applicable licensing/credit rules must be analyzed separately. Giving advice or negotiating older debts may create an additional activity. |\n| Provider licensed in a mainland state | No Guam exemption established | A different jurisdiction's authorization is not listed in §§ 7102–7103. |\n| Secured-debt negotiator or purely commercial adviser | Unresolved at boundaries | Chapter 7 is not expressly confined to unsecured debts, but the individual/consumer-credit language and specific activity must be tested. |\n\nSources and claims: S005; C006–C009, C041–C043. Uniform Consumer Credit Code+2\n\nA separate, specifically named Guam debt-settlement-company act, debt-adjuster act, or credit-services-organization licensing act was NOT LOCATED in the bounded official search described in the evidence section. This is not a finding that such conduct is unregulated. Chapter 7 itself is substantial regulation, while the business-license, local telemarketing, deceptive-practices, and federal regimes can create additional obligations.\n\n## 3. Authorization, registration, security, and oversight\n\n### Chapter 7 authorized-agency path\n\nFor an agency relying on § 7103(1), the located enacted text requires:\n\n| Requirement | Operative rule | What remains unknown |\n| --- | --- | --- |\n| Legal form | Nonprofit, nonstock corporation organized under the applicable Guam corporate law | Current organizational forms, filings, and the effect of subsequent corporate-law amendments |\n| Distribution of profits | Agency cannot operate for profit or distribute net earnings/assets except as appropriately necessary to accomplish its statutory purposes | How present administrators evaluate compensation and related-party arrangements |\n| Judicial Council approval | Chairman's approval must be endorsed on or annexed to the certificate of incorporation | Current approval workflow and documentary criteria |\n| Membership | At least 10 members | Current administrative verification procedures |\n| Pre-activity notice | Before credit counseling, provide Administrator agency/trade names, principal and other office addresses, and officer/director names and addresses | Whether a prescribed form or supplementary evidence is now required |\n| Bond | $5,000 bond, with qualifying surety or sureties, approved by Administrator | Current bond form, approved sureties, renewal/replacement procedure |\n| Records | Preserve books, accounts, and records for at least two years after the final entry for the recorded transaction | Any valid additional recordkeeping duties imposed elsewhere |\n| Fees | Submit a fee schedule to Administrator; charges must fit the agency's nonprofit nature and be reasonable under § 7109(4) | No numerical schedule or agency-approved consumer fee obtained |\n| Debtor funds | No commingling with agency's own money or property; maintain a separate account for debtor funds held for creditors | Bank location, reconciliation intervals, insolvency treatment, and whether every possible custodial arrangement is permitted |\n\nDo not describe this as an ordinary “$5,000 licensing fee.” The $5,000 is a surety-bond amount, not a statutory application fee and not a service-fee ceiling. Nor is advance notification alone an express grant of a proprietary “debt settlement license.” [C009–C010, C019–C020] Uniform Consumer Credit Code+1\n\n### Three other registration layers\n\n| Layer | When it may apply | Fee/term/agency | Key limitation |\n| --- | --- | --- | --- |\n| General Guam business license | Conduct constituting doing business in Guam under 11 GCA Division 3 | DRT; applicable business classification and fee, not calculated in this pass; generally annual, with location-specific requirements | § 70103(e) has exclusions, including certain interstate-commerce and order-solicitation activities; one must test the exact activity. |\n| Guam telephonic-seller registration | Telephone-sales program actually satisfying 5 GCA § 32301, after its exceptions | Attorney General; $50 initial filing, not less than 10 days before doing business; $50 annual renewal, with one-year term | § 32301 excludes several situations—including consumer-initiated/requested calls and transactions later reduced to a consumer-signed writing—creating important, unusually broad scope and interpretation questions. |\n| Chapter 7 authorized-agency notice and bond | Person relying on § 7103(1) | Administrator; notice before service, $5,000 bond, submitted fee schedule | Does not itself replace the other applicable layers. |\n\nUnder the local telephonic-seller provision, solicitation from Guam or solicitation directed to prospective purchasers located in Guam supplies an express geographic connection. A non-Guam principal office triggers the additional designation of a Guam statutory agent for service under § 32306(c). Registrants must disclose organizational, location, principal, salesperson, script, and other required information. Material-change updates are subject to statutory timing, including a special quarterly process for salesperson changes. [C011–C018] Government Operations+5\n\nImportant statutory tension: Guam § 32304 states that a covered telemarketing sale of services is not final/enforceable until the consumer signs and delivers the agreement. But § 32301's definition of telemarketing excludes a transaction later reduced to a consumer-signed contract. These provisions must be read together before asserting that every telephone-negotiated, ultimately signed debt-relief contract requires § 32302 registration. No controlling reconciliation was established in this pass. Federal TSR coverage uses a different definition, so a Guam telemarketing exclusion is not necessarily a federal exclusion. [C013–C015, C022–C023]\n\nThe DRT's public website provides account-based business-license renewal, not evidence of a public, unauthenticated directory verifying Chapter 7 agency authorization or Attorney General telephonic-seller registration. A dedicated provider-status lookup was NOT LOCATED; no provider-specific search was undertaken. [C038] guamtax.com+1\n\nFinally, 14 GCA Chapter 6 is an enforcement gateway requiring caution. Its official older PDF could be found in a Guam Judiciary search index but could not be opened as operative text here. The indexed § 6102 limits its Article 1 language to specified lenders/credit transactions and payment collection/enforcement; it is not safe to attach every Chapter 6 investigation or cease-and-desist power automatically to every Chapter 7 counseling intermediary. Its older procedural text also refers to appellate arrangements that require reconciliation with the later federal Organic Act. [C017–C018]\n\n## 4. Provider charges and federal overlays\n\n### Guam fee law\n\nSections 7109(4) and 7111 allow an authorized nonprofit agency to charge reasonable fees under a schedule submitted to the Administrator and consistent with the agency's nonprofit nature. Section 7109 separately permits solicitation and acceptance of contributions.\n\nThe opened Chapter 7 text does not supply:\n\n- A universal percentage of debt or savings that may be charged;\n- A dollar maximum per debtor or debt;\n- An express Chapter 7 settlement-success fee trigger;\n- A standardized setup or monthly-fee allowance;\n- A default, refund, or early-termination fee formula; or\n- An across-the-board rule equating voluntary donations or creditor “fair-share” payments with permissible customer charges.\n\nThese are text-bounded absences, not findings that unrestricted charges are legal. Actual fee schedules and any further operative rules were not accessed. [C019, C021, C040]\n\n### Federal TSR: separate and sometimes much more restrictive\n\nIf a covered seller or telemarketer markets a service represented to alter debts owed to unsecured creditors or debt collectors, the TSR applies based on its own campaign, person, and exemption tests.\n\nUnder 16 CFR § 310.4(a)(5)(i), a covered seller/telemarketer cannot request or receive a debt-relief service fee until all three relevant conditions are satisfied:\n\n1. At least one debt has actually been renegotiated, settled, reduced, or otherwise altered under a valid agreement executed by the customer.\n2. The customer has made at least one payment under that new agreement to the creditor or debt collector.\n3. For debts individually altered, the fee attributed to that debt follows one of two permitted allocation methods: proportional allocation based on enrolled balances, or a consistent percentage of actual savings.\n\nFunding a reserve account alone does not satisfy the first-creditor-payment requirement. A success claim, verbal promise, or proposal not accepted and executed does not satisfy the first condition. A Guam agency's filed fee schedule cannot override these federal triggers. [C024–C026] ecfr.gov+1\n\nWhen a covered provider requires a dedicated reserve account, § 310.4(a)(5)(ii) requires an insured financial institution, customer ownership and accrued interest, an independent account administrator with specified nonaffiliation/nonreferral conditions, and withdrawal without a penalty. On withdrawal, account funds other than lawfully earned fees must be returned within seven business days of the request. This is not an unrestricted seven-day right to cancel all Guam financial contracts. [C026]\n\nThe TSR also requires truthful pre-enrollment disclosures about the anticipated results and time, projected accumulation needed before settlement offers, risks arising from missed creditor payments, and account rights where applicable. Misrepresenting likely savings, completion periods, effects on creditors, or nonprofit status is separately restricted. [C024] ecfr.gov+1\n\nFederal exclusions must be tested, not assumed. The rule treats unsolicited inbound calls, advertising-response calls, direct-mail responses, face-to-face presentations, and business-to-business transactions differently. Crucially, the ordinary advertising-response and direct-mail exemptions contain explicit debt-relief exceptions. A genuine nonprofit outside the FTC Act's corporate jurisdiction raises another distinct question; marketing by a for-profit vendor does not become exempt merely because its client is a nonprofit. An attorney is not categorically exempt from the TSR. [C022–C023, C042] ecfr.gov+1\n\n### Credit repair: overlapping but different product\n\nIf the marketed service expressly or implicitly offers, for compensation through interstate instrumentalities or the mails, to improve an individual's credit record/history/rating or provide advice for doing so, CROA classification must be tested separately. A debt-settlement label does not decide it. CROA excludes a qualifying 501(c)(3) tax-exempt organization, certain creditors restructuring their own debt, and specified depository institutions and credit unions. Merely filing Guam nonprofit articles is not equivalent to proven 501(c)(3) exemption. [C028, C042] uscode.house.gov\n\nFor an actual CROA-covered organization:\n\n- 15 U.S.C. § 1679b(b): no money for promised credit-repair services before full performance.\n- § 1679c: prescribed separate precontract consumer-rights disclosure and acknowledgment record.\n- § 1679d: dated written contract stating payment terms, services, duration, and cancellation language; services cannot begin before the applicable three-business-day waiting period.\n- § 1679e: cancellation without penalty before midnight of the third qualifying business day, with duplicate statutory notice forms and signed-document copies.\n- § 1679f: noncompliant credit-repair service contracts are void; this is not a rule voiding the underlying card, loan, or other creditor balance.\n- § 1679g: specified private damages, possible punitive relief, and attorney-fee consequences, on the statute's predicates.\n\nFor TSR-covered sales represented to remove adverse credit information or improve credit history, 16 CFR § 310.4(a)(2) imposes a separate stringent fee condition tied to completion of the represented time frame and a qualifying later consumer report. It must not be generalized to ordinary debt-settlement offers without the relevant credit-repair representation. [C027–C032] uscode.house.gov+5\n\n### Operational federal/territorial applicability matrix\n\n| Fact pattern | Guam Chapter 7 | Guam Article 3 telemarketing | FTC TSR | CROA / CFPB |\n| --- | --- | --- | --- | --- |\n| Guam nonprofit DMP taking debtor payments, no phone sales | Strong Chapter 7 fit | No phone program shown | No TSR telemarketing established | CFPB Title X may apply to consumer debt management; CROA only if its representations/activity fit |\n| Out-of-territory paid negotiator calling Guam card debtors | Strong substantive Chapter 7 concern; territorial reach unresolved | Explicit solicitation-into-Guam nexus, subject to § 32301 exclusions | Potentially covered if qualifying interstate campaign and no applicable exemption | Depends on credit-repair claims; CFPB consumer-purpose and other tests |\n| Purely online self-service education, no personal negotiation or fund custody | Fact-specific, possibly outside provider definition | No covered telephone program shown | No TSR telemarketing shown | Personalized financial advice, CROA claims, and CFPB treatment require distinct checks |\n| Lawyer personally advising own client in Guam practice | Chapter 7 attorney exception | No automatic Article 3 attorney exception located | No automatic TSR attorney exception | CROA tests separately |\n| Licensed lender issuing a genuinely new debt-consolidation loan | Primarily lending, not automatically Chapter 7 counseling | Sales channel still relevant | Debt-relief classification depends on actual representations; advance-fee loan rule may matter | Lending is expressly a CFPB financial-product category; separate lending licenses are outside this pass |\n| Third-party collector demanding payment on its client's debt | Not automatically debtor-side counseling | Debt-relief-sale Article 3 classification not established by collection alone | Not necessarily a seller of debt-relief services | Collector regulation is a separate queued dimension |\n| Business debtor with a business-purpose loan | Chapter 7's “individuals” gateway remains unresolved | Article 3 consumer terminology and facts must be tested | General business-to-business exception may apply | CFPB consumer-purpose and CROA individual-credit conditions may defeat coverage |\n\nSources/claims: S005, S010, S012, S014–S022, S029; C006–C008, C011–C015, C022–C033, C041–C043.\n\n## 5. Contracts, cancellation, disbursements, and creditor independence\n\nChapter 7 authorizes an agency to act as debtor's agent or trustee and to handle money. Section 7110 prohibits commingling debtor property with the agency's own property and requires an account holding debtor money intended for creditors until paid to the debtor or on the debtor's behalf, including lawful agency fees. This is an affirmative Guam rule even where the federal TSR reserve-account provision does not apply. [C020] Uniform Consumer Credit Code\n\nThe opened Chapter 7 provisions do not establish a complete mandatory form of consumer agreement, standardized budget review, ability-to-pay test, translated copy, creditor-notification requirement, cancellation form, settlement duration, missed-installment cure, or provider insolvency waterfall. Those questions remain unresolved pending further applicable authority and actual contract terms.\n\nA debt-management plan and a negotiated reduction are not identical:\n\n- DMP: usually a distribution/payment arrangement; its legality and fee treatment depend on whether the agency is acting as intermediary, holding funds, and whether the creditor has accepted changed terms.\n- Settlement: proposed reduction or compromise; no provider agreement compels a creditor to accept a reduction.\n- Customer-funds account: what the debtor deposited, what the provider lawfully earned, what the creditor received, and what the debtor still owes are four separate balances.\n\nFor applicable federal TSR accounts, withdrawal and return-of-funds conditions are specified. For applicable CROA credit-repair contracts, the three-business-day cancellation right is specified. Neither deadline can be copied wholesale into every Guam Chapter 7 counseling contract. No actual calendar due date is calculated here because execution, receipt, business-day, service, and holiday predicates are hypothetical or unspecified. [C020–C021, C026, C029–C031, C041]\n\n## 6. Territorial and federal consequences\n\n| Potential violation | Actual located consequence | Important boundary |\n| --- | --- | --- |\n| Willful violation of 14 GCA Chapter 7 | Misdemeanor, § 7112 | Willfulness is required. Chapter 7 does not independently set a private damages multiplier or say an underlying creditor debt disappears. |\n| Applicable unlicensed Guam business activity | General business-license misdemeanor and conditional administrative/court consequences under 11 GCA §§ 70119–70131 | Only where the general business-license law actually applies; statutory exclusions and required process matter. |\n| Covered Guam telephonic seller failing registration | Attorney General may seek up to $5,000 per violation, injunctive relief, § 32307 | Distinct from Chapter 7's $5,000 bond. Registration violation is a deceptive practice under § 32308. |\n| Covered Guam telemarketing sale contrary to Article 3 | Certain charges cannot be collected and collected charges must be returned, § 32305 | Applies to the covered telemarketing sale, not all debts owed to unrelated creditors. |\n| Deceptive sales practices | Guam DTPA remedies, including qualifying private actions, restitution, injunction, damages, attorney's fees and costs | Must prove standing, covered conduct, necessary notice, reliance/damage where required, and remedy predicates. |\n| Attorney General DTPA enforcement | Potential court-imposed civil penalty up to $5,000 per violation; separate maximum $10,000 for an injunction violation | Not an automatic administrative fine and not a consumer's fixed recovery. |\n| Federal TSR violation | FTC/CFPB and qualifying territorial public enforcement; constrained federal private action | The statutory private TSR cause requires a pattern or practice and over $50,000 actual damages per affected person in controversy, among other conditions. |\n| CROA violation | FTC enforcement and express qualifying private civil liability | Only a covered credit-repair organization/activity; contract voidness concerns its service agreement. |\n\nGuam's DTPA, 5 GCA Chapter 32, expressly reaches trade or commerce directly or indirectly affecting people of Guam. It defines “consumer” to include certain smaller business buyers, excluding specified business consumers with assets of $25 million or more or ownership/control by such an entity; however, its special unconscionability cause has narrower non-business-consumer limits. It separately prohibits knowingly offering services without the necessary authorization, material misrepresentations about results, and FTC-rule violations where applicable. [C034, C043] Government Operations+2\n\nA private Guam DTPA damages claimant unrepresented by the Attorney General generally must provide a detailed written pre-suit notice at least 30 days before filing, subject to statutory distinctions and exceptions. That is not a 30-day right to cancel debt relief. A prevailing qualifying claimant may obtain actual and specified other damages, costs and attorney's fees; an additional award up to three times actual damages requires a finding of knowing conduct as a regular business practice. Depending on the claim, §§ 32111–32120 also address restitution, injunctions, and sales induced by prohibited practices. A provider service sale may be unenforceable on specified conditions, but that does not void the debtor's separate original creditor obligation. [C034–C036] Government Operations+2\n\nGuam's Attorney General identifies its Consumer Protection Division as the public unit dealing with deceptive practices and displays a complaint-form resource. The Guam Judiciary and Guam Bar publish references to lawyer and civil legal-assistance resources, with eligibility restrictions. These are read-only informational paths, not evidence that any complaint has been accepted or that a provider is lawful or unlawful. [C038] guamattorneygeneral.org+2\n\n## 7. Worked applicability examples\n\nThese are constructed examples, not findings about an actual provider or borrower. They assume ordinary unsecured consumer debt unless stated otherwise. They do not imply that a creditor must negotiate, stop collecting, or accept any proposed amount.\n\n### Example A — An out-of-state settlement company claims that its other-state license and attorney supervision are enough\n\nAssumptions\n\n- A for-profit company operates from a mainland state and offers to negotiate a Guam resident's $12,000 unsecured credit-card debt.\n- Its campaign places three interstate sales calls to Guam residents.\n- The company says it has a license in its home state and an attorney who supervises its sales staff.\n- It does not establish that the service is rendered by an attorney within an applicable statutory exception. No settlement or payment has yet occurred.\n\n| Question | Application | Result |\n| --- | --- | --- |\n| Is this the company's own debt? | No. It is being paid to act for the debtor with an existing creditor. | Analyze debtor-side provider regulation, not merely original-creditor activity. |\n| Does Guam Chapter 7 matter? | Negotiating repayment arrangements and handling debtor funds can fall within the conduct described in 14 GCA §7102(1), depending on the actual service. | Likely classification concern; the precise cross-border reach of that chapter remains unresolved. |\n| Is a home-state license sufficient? | No general Guam reciprocity was found in the operative Chapter 7 provisions read. | Do not treat the foreign license as a Guam authorization. |\n| Does attorney supervision cure the problem? | Attorney-related language must be tested against its actual statutory predicates. Supervision alone is not an identified blanket exemption. | No automatic cure. |\n| Is a Guam general business license necessarily required? | 11 GCA §§70103(e) and 70130 contain separate Guam-business and excluded-activity rules. The interstate solicitation/contract-acceptance facts matter. | Fact-dependent; unresolved on these assumptions. |\n| Does Guam telephonic-seller registration apply? | 5 GCA §§32301–32302 expressly discuss soliciting persons located in Guam, but §32301 has consumer-initiated, written-contract, meeting, and prior-relationship exclusions. | Potentially, subject to exclusion and sequencing analysis. |\n| Does the FTC TSR apply? | Three interstate sales calls satisfy the more than one interstate call element, assuming they are part of the specified telemarketing campaign and the remaining seller/telemarketer criteria are met. | Potentially; check every §310.6 exclusion. |\n\nBounded conclusion: It is unsafe to label the arrangement either lawful or unlawful solely from the marketing claim. The decisive documents are the actual service agreement, who performs the work, the compensation and solicitation structure, where transactions are accepted, the attorney's role, and proof of any Guam-specific authority. A provider's claimed status does not establish an exception. Authorities: 14 GCA §§7102–7103; 11 GCA §§70103(e), 70130; 5 GCA §§32301–32302; 16 CFR §§310.2, 310.6; 15 USC §6106. Claims C006–C008, C011–C014, C022–C023, C042–C043.\n\n### Example B — The FTC debt-relief fee calculation\n\nAssume, only for this calculation, that the debt-relief telemarketing transaction is covered by the FTC TSR and no exemption applies.\n\nThree debts are enrolled:\n\n| Debt | Balance on enrollment |\n| --- | --- |\n| Card A | $4,000.00 |\n| Card B | $6,000.00 |\n| Card C | $10,000.00 |\n| Total | $20,000.00 |\n\nCard A is the only debt settled. The creditor and consumer execute a valid agreement for the consumer to pay $2,400.00 to satisfy Card A, and the consumer has made the first $200.00 payment under that agreement. The agreement with the provider specifies either of these hypothetical alternative fee structures, not both:\n\nMethod 1 — Proportional total fee\n\n- Hypothetical fee for resolving the full $20,000 enrolled balance: $4,000.00.\n- Card A's fraction of enrolled balances: `$4,000.00 ÷ $20,000.00 = 0.20`.\n- Permitted allocation to Card A under §310.4(a)(5)(i)(C)(1), assuming the other prerequisites hold: `$4,000.00 × 0.20 = $800.00`.\n\nMethod 2 — Uniform percentage of savings\n\n- Hypothetical agreed fee rate: 20% of savings, unchanged across individual debts.\n- Card A's statutory savings base: `$4,000.00 enrolled balance − $2,400.00 actually paid to satisfy = $1,600.00`.\n- Allocation under §310.4(a)(5)(i)(C)(2): `$1,600.00 × 0.20 = $320.00`.\n\nBoth calculations are exact to the cent; no rounding adjustment is needed. Neither $4,000 nor 20% is a government-set Guam fee or a statutory fee cap. The TSR specifies when and how a chosen contractual fee can become payable; it does not itself establish that the chosen fee is otherwise lawful or reasonable under Guam law.\n\nBefore the executed settlement and the customer's first payment: allowable debt-relief-service fee under this TSR provision = $0.00. Once both occur, the applicable allocated fee may be charged for Card A, but no fee for unresolved Cards B or C is unlocked merely because Card A settled. Guam's nonprofit-agency reasonable-fee and schedule requirements, if applicable, still must be independently satisfied. Authority: 16 CFR §310.4(a)(5)(i)(A)–(C); 14 GCA §§7109(4), 7111. Claims C019, C025, C041, C044. ecfr.gov\n\n### Example C — Canceling a service with money in a dedicated account\n\nAssumptions\n\n- An individual has deposited $3,000.00 into an account that satisfies all five conditions of 16 CFR §310.4(a)(5)(ii).\n- The account is at an insured financial institution, owned by the customer, and administered by a genuinely independent entity that receives no prohibited referral compensation.\n- No debt has been settled or otherwise modified under an executed creditor agreement; the customer has made no payment under such an agreement.\n- No account interest has accrued; no creditor payment or other authorized withdrawal has occurred.\n- The customer requests withdrawal from the service and return of funds.\n\nCalculation:\n\n`$3,000.00 balance − $0.00 TSR-compliant earned provider fee = $3,000.00 to return`.\n\nFor this covered TSR account, withdrawal must be permitted without penalty, and the customer must receive the refundable account money within seven business days of the request. This example deliberately does not convert that period into a calendar date: the request time, business-day counting, and applicable holiday facts were not supplied. A different account arrangement would require a different analysis, including whether it was lawful in the first place.\n\nGuam 14 GCA §7110 separately imposes a segregation requirement on a Chapter 7 agency handling client assets, but this research did not establish that its text creates the identical federal seven-business-day rule. The customer's original creditor has not agreed to forgive any debt merely because the customer deposited money or terminated the provider arrangement. If the original creditor balance is assumed to be $9,000.00 and there have been no creditor payments, credits, accruals, or separate legal events, the initial assumed creditor balance remains $9,000.00—not $6,000.00 or zero. Authority: 16 CFR §310.4(a)(5)(i)–(ii); 14 GCA §7110. Claims C020–C021, C025–C026, C041. ecfr.gov\n\n### Additional federal recordkeeping finding\n\nA covered seller or telemarketer must assess the five-year recordkeeping framework in 16 CFR §310.5: material variants, call-level fields, customer information, consent evidence, certain employment records, and other listed records. The regulation has different retention triggers for certain materials, an exception for specified fields of manually dialed single-number calls, time-format requirements, a narrowly conditioned error defense, and rules assigning responsibility between sellers and telemarketers. An outsourcing contract does not necessarily relieve the seller of oversight. This is not a five-year Guam Chapter 7 record-retention rule: Chapter 7's own records requirement must be read separately. Claim C047. ecfr.gov ecfr.gov\n\n### Separate bankruptcy approval list—important distinction\n\nThe U.S. Trustee Program has a public [Guam-specific list of approved pre-bankruptcy credit counseling agencies](https://www.justice.gov/ust/credit-counseling-by-state/Guam?utm_source=chatgpt.com), including remote delivery methods. That federal bankruptcy-approval list is not evidence that every listed organization holds every authorization required for ordinary Guam debt-management or settlement services. Conversely, authorization under Guam Chapter 7 would not by itself establish U.S. Trustee approval. The list was opened on October 26, 2026, without a provider-specific inquiry. Claim C048. United States Department of Justice gud.uscourts.gov\n\n## 8. Read-only evaluation checklist\n\nFor an individual comparing services, the research supports checking the following documents and representations, without enrolling, transmitting private records, or contacting any provider as part of this assignment:\n\n1. Service identity: Is this an original lender making a new loan, a creditor collecting its own debt, a nonprofit DMP distributor, a negotiated-settlement firm, a credit-repair business, or some combination?\n2. Legal identity and asserted exemption: Exact legal entity, place of operation, nonprofit status evidence if claimed, attorney's actual functions, claimed Guam business/license/Chapter 7 status, and whether any claimed exemption covers these exact services.\n3. Solicitation history: Who initiated any telephone call, where each party was located, whether there was a prior relationship or in-person meeting, and how and when the contract was signed.\n4. Full fee schedule: Enrollment, monthly, per-debt, success, cancellation, account-admin, donation, and creditor/fair-share payments, identifying who pays whom and what event triggers a charge.\n5. Agreement and disclosures: Full signed agreement; all promised outcomes; expected timeframe; material risks of nonpayment; conditions for creditor participation; whether the provider can change fees; actual cancellation instructions.\n6. Funds trail: Customer ownership, depository institution and insurance status, administrator affiliation, statements and disbursement ledger, provider withdrawals, and refund instructions.\n7. Proof of actual creditor change: Written creditor or collector agreement and proof of required payments. A provider dashboard or enrollment receipt does not substitute for creditor consent.\n8. Outcome if it fails: What happens if no creditor agrees, the consumer cannot keep saving, the service is terminated, or a promised credit-report improvement does not materialize?\n9. Alternatives to compare: Reviewing the obligation directly with the original creditor, a genuinely qualified nonprofit counseling route, and independent legal assistance where rights or litigation exposure are uncertain. This is an information checklist, not a recommendation to enroll, settle, borrow, default, or contact anyone.\n\nThe documentary questions above implement the classification, fee, contract, funds, and enforcement distinctions in C006–C043 and C047–C048. The six unrelated debt-law dimensions remain expressly deferred.\n\n## 9. Complete source register\n\nRegister convention. IDs use `J_GU-P01-S###`. Every entry below was checked or rechecked on October 26, 2026 (America/Los_Angeles); `26 Oct` in each row means that date, not the source's publication date. “PDF P” is the zero-based PDF page index; “print p.” is the page number displayed in the document itself. “HTML” means no PDF page index applies. An opened, machine-extracted PDF was not pixel-reviewed. “Consolidated” describes the source's presentation; it does not independently prove inclusion of all later enactments.\n\n### Territorial statutes, rules, and official source gateways\n\n| Source ID / checked | Issuer, exact authority, version/effective information | Full literal direct URL | Access; exact bounds and limitations |\n| --- | --- | --- | --- |\n| J_GU-P01-S001 / 26 Oct | Guam Compiler of Laws, 1 GCA §§100–102; online compilation dated March 18, 2024 | `https://col.guamcourts.gov/sites/default/files/1gc001.pdf` | Operative text extracted; print pp. 1–3 / PDF P0–P2 of five-page file. Institutional codification rules, not confirmation that every 2026 enactment is incorporated. |\n| J_GU-P01-S002 / 26 Oct | Guam Compiler of Laws, official portal and update notices; compilation status as displayed | `https://col.guamcourts.gov/` | Opened HTML index/home. Update references require reconciliation with subsequently enacted laws; homepage publication date is not a legal effective date. |\n| J_GU-P01-S003 / 26 Oct | Guam Legislature, public-laws index, including listed 38th Legislature enactments through P.L. 38-145, dated October 17, 2026 in the list | `https://guamlegislature.gov/public-laws/` | Opened official HTML enactment index. Discovery/index only for individual public-law substance: underlying text of every potentially relevant later law was not read. |\n| J_GU-P01-S004 / 26 Oct | Guam Compiler, Table of Code Sections Affected, 38th Legislature through P.L. 38-133 | `https://col.guamcourts.gov/sites/default/files/TOCSA%2038-133.pdf` | Opened and examined code-section table; print pp. 1–6 / PDF P0–P5. Bounded search of Titles 5, 11, 14. It does not resolve laws enacted after P.L. 38-133 or unindexed changes. |\n| J_GU-P01-S005 / 26 Oct | Guam Compiler, 14 GCA Chapter 7, §§7101–7113, Nonprofit Consumer Credit Counseling Agencies; displayed `COL120106`; original enactment P.L. 9-253, September 4, 1968, effective June 30, 1969 per code annotation | `https://col.guamcourts.gov/sites/default/files/14gc007.pdf` | Complete operative chapter body extracted and read earlier this same research pass: print pp. 1–5 / PDF P0–P4; §§7101–7113 and exceptions. A subsequent repeated opening produced an intermittent tool-access error; no claim of pixel review or independently verified post-2006 consolidation. |\n| J_GU-P01-S006 / 26 Oct | Guam Compiler, 14 GCA Chapter 1, including §§1201, 1301; displayed `COL070307` | `https://col.guamcourts.gov/sites/default/files/14gc001.pdf` | PDF text extracted; read relevant definition/scope passages print pp. 8–11 / PDF P7–P10 within 14-page document. Old compilation; later amendments not independently ruled out. |\n| J_GU-P01-S007 / 26 Oct | Guam Courts former official URL, 14 GCA Chapter 6, including indexed §§6102–6113; status of specific operative wording unverified | `https://guamcourts.gov/CompilerofLaws/GCA/14gca/14gc006.PDF` | Not opened: direct URL inaccessible. Search-index excerpts discovered §6102 and §§6103–6104; excerpts are discovery only. Printed pages / PDF index: not verified. Do not treat wording about the Administrator or enforcement as independently established operative law. |\n| J_GU-P01-S008 / 26 Oct | Guam Compiler, 15 GAR, savings-and-loan/consumer-credit administrative material including §2101(a); source marked 1997 | `https://col.guamcourts.gov/sites/default/files/15GAR001-1_2.pdf` | PDF text extracted; print pp. 1–4 / PDF P0–P3, with §2101(a) on print p. 2 / P1. Historic agency-role evidence; not proof of a current, specialized Chapter 7 license regulation. |\n| J_GU-P01-S009 / 26 Oct | Guam Compiler, 11 GCA Chapter 1, §§1103–1106, Department of Revenue and Taxation functions; compilation April 30, 2024 | `https://col.guamcourts.gov/sites/default/files/11gc001.pdf` | Operative text extracted; relevant sections print pp. 1–3 / PDF P0–P2. Agency-function law; does not substitute for a Chapter 7-specific issuing rule. |\n| J_GU-P01-S010 / 26 Oct | Guam Compiler, 11 GCA Chapter 70, §§70101–70134, General Business License Law; compilation December 23, 2025; section annotations give distinct enactment/effective dates | `https://col.guamcourts.gov/sites/default/files/11gc070.pdf` | Operative PDF text opened; print pp. 1–11 / PDF P0–P10 selectively, including §§70103, 70109–70121, 70126, 70130–70131. §70131(e) appears at print p. 11 / P10. Other chapter provisions not comprehensively adjudicated. |\n| J_GU-P01-S011 / 26 Oct | Guam Compiler, 30 GAR, general business-license regulations; document identified as 1997 compilation | `https://col.guamcourts.gov/sites/default/files/30GAR002-5_8.pdf` | PDF text/index opened, print pp. 1–2 / PDF P0–P1 of 13 pages. Partial read, not verification of a current debt-counseling filing procedure or fee. |\n| J_GU-P01-S012 / 26 Oct | Guam Compiler, 5 GCA Chapter 32, Guam Deceptive Trade Practices–Consumer Protection Act, Articles 1–3; compilation October 29, 2021; individual sections show enactment histories | `https://col.guamcourts.gov/sites/default/files/5gc032.pdf` | Operative PDF body extracted; selected provisions §§32103–32114, 32120, 32127, 32201, 32301–32308 read across print pp. 1–43 / PDF P0–P42 of 66-page file. §32301 print pp. 36–37 / P35–P36; §32302 print p. 37 onward / P36 onward. Not a full post-2021 amendment reconciliation. |\n| J_GU-P01-S013 / 26 Oct | Guam Office of the Attorney General, Consumer Protection Division public complaint and information portal | `https://guamattorneygeneral.org/consumer-protection/` | Opened official HTML agency guidance, not controlling statute. Current page contains some later-dated material; that material was not adopted as an October 26 event. |\n| J_GU-P01-S033 / 26 Oct | Guam Department of Revenue and Taxation, public business-license help/renewal page | `https://www.guamtax.com/help/help_biz.html` | Opened official HTML instructions. This is not a verified public, Chapter 7-specific, unauthenticated license lookup. No account accessed or license queried. |\n| J_GU-P01-S036 / 26 Oct | Guam Compiler, Guam Administrative Rules and Regulations title/index gateway | `https://col.guamcourts.gov/guam-administrative-rules-regulations/guam-administrative-rules-and-regulations` | Opened official HTML index; reviewed relevant title locations, including consumer-credit and business-license-related categories. Not equivalent to a complete text search of all current administrative rules. |\n| J_GU-P01-S037 / 26 Oct | Guam Bureau of Statistics and Plans, Business License and Permit Center agency gateway | `https://bsp.guam.gov/blpc/` | Opened official HTML. General business-license process context only; no specialized authorization inferred. |\n| J_GU-P01-S041 / 26 Oct | Guam Compiler, 31 GAR Office of Consumer Counsel material; indexed publication 1997 | `https://col.guamcourts.gov/sites/default/files/31GAR001-1_2.pdf` | PDF text opened; 12-page file; selected index/procedural content, especially print pp. 1–2 / PDF P0–P1. Not affirmative authority for a Chapter 7 provider licensing regime. |\n| J_GU-P01-S042 / 26 Oct | Guam Compiler, Guam Code Annotated title/chapter index; lists 14 GCA Chapter 7 | `https://col.guamcourts.gov/guam-code-annotated/guam-code-annotated` | Opened official HTML index and chapter links. Identifies repository and classifications; the index's compilation cutoff is not identical to the legislature's latest enacted-law list. |\n\n### Federal text and applicability gateways\n\n| Source ID / checked | Issuer, exact authority, version/effective information | Full literal direct URL | Access; exact bounds and limitations |\n| --- | --- | --- | --- |\n| J_GU-P01-S014 / 26 Oct | Office of the Federal Register/eCFR, 16 CFR §310.2(o), (ff), (ii), TSR debt-relief, geographic and campaign definitions. eCFR shows Title 16 current through October 22, 2026, last title amendment October 19 | `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2` | Opened operative HTML section; no PDF pages. eCFR is authoritative but unofficial; rules have provision-specific effective histories. |\n| J_GU-P01-S015 / 26 Oct | eCFR, 16 CFR §310.3(a)(1), (a)(2), prepayment debt-relief representations, disclosures and misrepresentations; same October 22 display | `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3` | Opened operative HTML section, focusing on §310.3(a)(1)(viii)(A)–(D) and (a)(2)(x); no PDF pages. |\n| J_GU-P01-S016 / 26 Oct | eCFR, 16 CFR §310.4(a)(2), (a)(5)(i)–(ii), telemarketed credit-repair and debt-relief fees/account requirements; October 22 display | `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4` | Opened complete operative HTML section; exact debt provisions §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E). No PDF pages. |\n| J_GU-P01-S017 / 26 Oct | eCFR, 16 CFR §310.6(b), TSR exemptions and inbound/advertising carve-backs; October 22 display | `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6` | Opened operative HTML section, especially §310.6(b)(3)–(7); no PDF pages. |\n| J_GU-P01-S018 / 26 Oct | U.S. House Office of Law Revision Counsel, 15 USC §6106(3)–(4), federal telemarketing definitions, including “State”; current U.S. Code release displayed through P.L. 119-121, October 9, 2026 | `https://uscode.house.gov/us/usc/119-121/t15/s6106/` | Opened operative HTML statute, whole section; no PDF pages. |\n| J_GU-P01-S019 / 26 Oct | OLRC, 15 USC §44, Federal Trade Commission Act territorial commerce and corporation definitions; displayed through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t15/s44/` | Opened operative HTML statute, relevant definitions; no PDF pages. Nonprofit legal-form and actual-operation issues remain fact-dependent. |\n| J_GU-P01-S020 / 26 Oct | OLRC, 12 USC §5481(4), (5), (15)(A)(viii), (27), CFPB geography and financial-product/service definitions; through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t12/s5481/` | Opened operative HTML statute, whole relevant definitions; no PDF pages. Establishes a gateway, not an automatic license or private claim. |\n| J_GU-P01-S021 / 26 Oct | OLRC, 15 USC §1679a, Credit Repair Organizations Act (CROA) definitions and enumerated exceptions; displayed release through P.L. 119-120 | `https://uscode.house.gov/us/usc/119-120/t15/s1679a/` | Opened operative HTML statute, entire definition/exemption provision; no PDF pages. |\n| J_GU-P01-S022 / 26 Oct | OLRC, 15 USC §1679b, CROA prohibited practices and advance fees; displayed through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t15/s1679b/` | Opened operative HTML statute, whole section; no PDF pages. |\n| J_GU-P01-S023 / 26 Oct | U.S. Government Publishing Office, 15 USC §1679c, CROA precontract disclosure and signed-copy retention | `https://www.govinfo.gov/link/uscode/15/1679c` | Official U.S. Code PDF text, printed p. 1553 / PDF P0 of returned section file. Extraction only, no pixel review; edition year not independently resolved from opened section, so confirm version before publication. |\n| J_GU-P01-S024 / 26 Oct | OLRC, 15 USC §1679d, CROA written-service-contract prerequisites; through P.L. 119-120 | `https://uscode.house.gov/us/usc/119-120/t15/s1679d/` | Opened operative HTML statute, full section; no PDF pages. |\n| J_GU-P01-S025 / 26 Oct | OLRC, 15 USC §1679e, CROA cancellation notice and three-business-day right; through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t15/s1679e/` | Opened operative HTML statute, full section; no PDF pages. |\n| J_GU-P01-S026 / 26 Oct | OLRC, 15 USC §1679f, CROA noncompliant contracts and antiwaiver; through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t15/s1679f/` | Opened operative HTML statute, full section; no PDF pages. Does not cancel an independent underlying debt. |\n| J_GU-P01-S027 / 26 Oct | OLRC, 15 USC §1679g, CROA civil-liability measures and attorney-fee predicates; through P.L. 119-121 | `https://uscode.house.gov/us/usc/119-121/t15/s1679g/` | Opened operative HTML statute, full section; no PDF pages. |\n| J_GU-P01-S028 / 26 Oct | OLRC, 15 USC §1679h, CROA FTC/state official enforcement; displayed through P.L. 119-120 | `https://uscode.house.gov/us/usc/119-120/t15/s1679h/` | Opened operative HTML statute, whole section; no PDF pages. Separate geographic/enforcement definitions need verification before attributing a specific §1679h action to Guam's AG. |\n| J_GU-P01-S029 / 26 Oct | GPO, 15 USC §§6103–6104, federal telemarketing civil enforcement, state-attorney-general and private-suit provisions | `https://www.govinfo.gov/link/uscode/15/6104` | Official U.S. Code PDF text, printed pp. 2222–2223 / PDF P0–P1 of returned file; text extracted, not pixel-reviewed. Edition year not independently resolved in section output. |\n| J_GU-P01-S030 / 26 Oct | GPO, 2023 U.S. Code, Title 48, §§1424, 1424-1–1424-3, Organic Act and Guam court structure | `https://www.govinfo.gov/content/pkg/USCODE-2023-title48/pdf/USCODE-2023-title48.pdf` | 2023 historical statutory edition, not asserted current through 2026. Relevant printed pp. 115–117 / PDF P114–P116 in 367-page Title 48 PDF; machine text extracted, not pixel-reviewed. |\n| J_GU-P01-S031 / 26 Oct | U.S. District Court of Guam, Bankruptcy Division, citing Organic Act 48 USC §1424(b) | `https://www.gud.uscourts.gov/bankruptcy-division` | Opened official HTML court guidance. Bankruptcy-jurisdiction gateway only, not ordinary provider approval. |\n| J_GU-P01-S032 / 26 Oct | U.S. Trustee Program, district-filtered credit-counseling query | `https://www.justice.gov/ust/credit-counseling-by-district/district-of-Guam` | Opened HTML query view; it returned an empty/“no providers matching” result on this path. Do not infer there are no federally approved Guam-serving agencies; see the separately opened official state/territory list S044. |\n| J_GU-P01-S043 / 26 Oct | eCFR, 16 CFR §310.5(a)–(g), TSR recordkeeping; displayed current through October 22, 2026, source note 89 FR 26784 (April 16, 2024) | `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5` | Opened complete operative HTML section, including five-year triggers, manual-call exception, UTC timestamps, §310.5(d) error defense, (e) outsourced records, (f) succession; no PDF pages. |\n| J_GU-P01-S044 / 26 Oct | U.S. Department of Justice, U.S. Trustee Program, Credit counseling agencies — Guam | `https://www.justice.gov/ust/credit-counseling-by-state/Guam` | Opened official HTML public approval list, including delivery methods. No entity-specific inquiry. The visible list is for the federal bankruptcy counseling system, not Guam Chapter 7 provider registration. |\n\n### Courts, complaints, and assistance sources\n\n| Source ID / checked | Issuer, exact authority or resource | Full literal direct URL | Access; exact bounds and limitations |\n| --- | --- | --- | --- |\n| J_GU-P01-S034 / 26 Oct | Guam Bar Association, Civil Indigent Legal Assistance Reference Guide, page dated March 7, 2025 | `https://guambar.org/civil-indigent-legal-assistance-reference-guide` | Opened HTML public resource; eligibility and services require separate verification. No contact made. |\n| J_GU-P01-S035 / 26 Oct | Guam Judiciary, Find a Lawyer / assistance public resource | `https://guamcourts.gov/quick-assist/quick-assist/find-lawyer` | Opened HTML public resource; not attorney endorsement or provider license verification. |\n| J_GU-P01-S038 / 26 Oct | Guam Judiciary, Supreme Court opinions index | `https://guamcourts.gov/courts-council/supreme-court/opinions` | Opened HTML case index; bounded public-index searches for `14 GCA § 7103`, `14 GCA § 7111`, and `credit counseling agency` produced no squarely on-point decision located. Not exhaustive; not a representation that none exists. |\n| J_GU-P01-S039 / 26 Oct | Guam Judiciary, Superior Court decisions and orders index | `https://guamcourts.gov/courts-council/superior-court/decisions-and-orders` | Opened HTML index. No exhaustive docket search or review of unpublished/provider-specific proceedings. |\n| J_GU-P01-S040 / 26 Oct | Guam Judiciary, official search interface | `https://www.guamcourts.gov/Search/search.html` | Opened but search body was not extractable through the tool. No court-wide negative finding inferred. |\n| J_GU-P01-S045 / 26 Oct | U.S. District Court of Guam, Filing Bankruptcy public resource and official U.S. Trustee links | `https://www.gud.uscourts.gov/filing-bankruptcy` | Opened official HTML; “Pre-petition” approved-credit-counselor link and separate “Post-petition” education link. Scope is bankruptcy information only. |\n\nSource-search limitation: S007, portions of S011/S041, late-2026 public-law changes, and the local-court search interface were not independently verified as complete operative text. Searches and indexes are explicitly recorded as discovery or bounded negative results, not converted into substantive law. The full Chapter 7 body was read earlier in this pass; its later intermittent reopening failure is preserved in S005.\n\n## 10. Claim register — A066 / Guam provider-regulatory pass\n\nAll claims below are scoped to A066 / J_GU PASS-01. The time marker is October 26, 2026, against the requested October 22 baseline. `S###` means the full direct URL and access qualifications in the source register above. “High” means the identified operative provision was read; it does not mean complete 2026 legislative-currentness verification or independent legal review. “Partial” or “hold” identifies a narrower evidentiary limitation.\n\n### Territorial authority, classification, and authorizations\n\n| Claim ID / project | Substantive claim and precise source pinpoint | Applicability, exceptions, consequence, confidence |\n| --- | --- | --- |\n| J_GU-P01-C001 / A066 | Guam's official code/source architecture and legal-status conventions appear in S001, 1 GCA §§100–102, and S002/S042. | Territorial law, checked Oct 26. High for the opened source architecture; amendments after any compilation cutoff still require checking. |\n| J_GU-P01-C002 / A066 | The Legislature's public-laws index S003 reaches later enactments than the bounded S004 section-affected table; S005 carries an older `COL120106` legend and S012 an October 2021 legend. | Partial currentness. Neither an update stamp nor a missing table entry proves that no later effective amendment exists. Consequence: publication hold on the unqualified word “current.” |\n| J_GU-P01-C003 / A066 | Guam local Supreme/Superior Court structure and the federal District Court of Guam arise through S001 and the Organic Act, S030, 48 USC §§1424–1424-3; public court indexes S038–S040 are narrower research gateways. | High on statutory court structure as read; partial 2026 amendment/precedential routing validation because S030 is the 2023 edition. Territorial adjudication, federal jurisdiction, and agency enforcement are different tracks. |\n| J_GU-P01-C004 / A066 | The telemarketing statute defines “State” to include Guam, S018, 15 USC §6106(3); FTC Act commerce refers to a Territory, S019, §44; the CFPB's distinct definition expressly includes Guam, S020, 12 USC §5481(27). | High for these particular federal gateways. Each statute must pass its own coverage test; geographic inclusion alone does not make every federal law applicable. |\n| J_GU-P01-C005 / A066 | The District Court of Guam exercises bankruptcy jurisdiction under 48 USC §1424(b), S030/S031; bankruptcy-approved counseling has its own U.S. Trustee path, S044/S045. | High, bankruptcy gateway only. Does not confer ordinary Guam debt-relief-provider authorization or resolve substantive bankruptcy law. |\n| J_GU-P01-C006 / A066 | S005, 14 GCA §7102(1), print p. 1/P0: credit counseling includes specialized counseling for individuals facing credit-related economic hardship, acting as their agents to resolve it, or receiving their money/property to distribute to creditors. | High as to text. The three statutory branches matter independently; a negotiator need not operate a classic DMP to trigger classification. Actual territorial nexus is partial. |\n| J_GU-P01-C007 / A066 | S005, §7102(2)(a)–(e), print pp. 1–2/P0–P1: excludes free employer-employee counseling; qualifying other-purpose nonprofit free/nominal counseling; certain creditor-related no-direct-fee services/disbursement; title-company escrow; and qualifying broader financial/property management not primarily aimed at liquidation of existing debt. | High for enumerated predicates. These are activity exclusions, not wholesale exemptions by job title, charitable label, or creditor affiliation. |\n| J_GU-P01-C008 / A066 | S005, §7103, print p. 2/P1 prohibits engaging in/holding out the business of credit counseling outside five categories: Chapter 7 agencies; practicing attorneys rendering legal services; court-directed actors; constituted nonprofit legal aid bureaus; or substantially government-financed persons within grant/appropriation terms. | High for text. An ordinary for-profit settlement seller has no express generic exemption here. Attorney supervision alone does not meet the statutory description. Application to wholly remote activity remains partial. |\n| J_GU-P01-C009 / A066 | S005, §§7104–7105, print pp. 2–3/P1–P2: Chapter 7 agency must have specified nonprofit/nonstock organization and non-inurement; certificate of incorporation requires Chairman of Guam Judicial Council approval; at least 10 members. | High for statutory predicates. Merely being tax-exempt or accredited is insufficient to prove Chapter 7 formation compliance. Actual current administrative implementation: partial. |\n| J_GU-P01-C010 / A066 | S005, §§7106–7108, print p. 3/P2: agency gives Administrator its intention notice identifying names/offices/officers/directors; files a $5,000 surety bond; retains books/accounts/records for at least two years after final transaction entry. | High for statutory amounts/trigger. Bond is security, not a consumer service charge or evidence of full claim recoverability. No Chapter 7 online filing/lookup verified. |\n| J_GU-P01-C011 / A066 | S010, 11 GCA §§70103(c),(e), 70115–70121, 70126, 70130: general Guam business-license provisions apply when their business/nexus predicates are met, with enumerated excluded activities, annual licensing and location rules. S009, §§1103–1106, identifies DRT functions. | High on text; partial on particular remote provider. General business licensing and Chapter 7's special status are separate. |\n| J_GU-P01-C012 / A066 | S012, 5 GCA §32302(a) expressly reaches sellers soliciting prospects located in Guam; §32103(p) addresses trade directly or indirectly affecting Guam people. S005 does not expressly resolve every nonresident or online nexus. | High for express phone-seller/DTPA language; hold on extending the Chapter 7 prohibition to every remote transaction by analogy. |\n| J_GU-P01-C013 / A066 | S012, §32301(a), print pp. 36–37/P35–P36 defines telemarketing with exclusions for qualifying personal discussions, consumer-initiated/requested calls, later signed contracts, and certain business dealings/negotiations within the preceding 18 months. | High for text. The unusual later-written-contract exclusion may create a sequencing issue with §32304's written-contract rule; its application is unresolved, not ignored. |\n| J_GU-P01-C014 / A066 | S012, §§32302(a)–(d), 32306: covered telephonic seller files with Guam AG at least 10 days before Guam business and pays an agency $50 filing fee; registration runs one year and annual renewal costs $50; material-change updates generally within 10 days, with quarterly salesperson treatment. | High, conditioned on §32301 classification. This is a government filing fee, not a consumer debt-settlement fee; nonresident information/service details in §32306 apply where triggered. |\n| J_GU-P01-C015 / A066 | S012, §§32303–32305: applicable telephonic sales carry statutory consumer-notice and signed/delivered contract requirements and an uncollectible-charge consequence for an Article 3 violation. | High for text; partial for the precise transaction given §32301's exclusions. The affected charge is not automatically the consumer's underlying debt to an unrelated creditor. |\n| J_GU-P01-C016 / A066 | S012, §§32307–32308: applicable Article 3 violations have public enforcement and deceptive-practice consequences, including the provision's up-to-$5,000 civil-penalty ceiling where its predicates apply. | High for the statute; cannot automatically infer consumer standing, per-violation aggregation, or the precise penalty in an actual case. |\n| J_GU-P01-C017 / A066 | S008, 15 GAR §2101(a) historically identifies the Savings and Loan Commissioner as UCCC Administrator; S007, 14 GCA §6103 was search-index discovery only; S009 assigns DRT financial functions. | Partial / HOLD: operational identity, delegation, and current Chapter 7 acceptance process need a readable current Chapter 6 and controlling administrative materials. No claim of a separately issued “debt-settlement license.” |\n| J_GU-P01-C018 / A066 | S007 indexes 14 GCA Chapter 6 §§6102–6113, a possible UCCC administration/complaint/examination framework, but its operative body was inaccessible. S005, §§7106–7111 establishes narrower agency-facing duties. | Unresolved: precise Chapter 6 examination powers, administrative procedure, sanctions, appeals, and records authority are not established from index excerpts. |\n| J_GU-P01-C019 / A066 | S005, §§7109(4),(9), 7111, print pp. 4–5/P3–P4: Chapter 7 agency may charge reasonable fees for described services, including prospective services, and solicit contributions; its fee schedule must be submitted to Administrator and remain consistent with nonprofit function. | High for these provisions. No numerical dollar or percentage cap is stated in the entire Chapter 7 text reviewed. This is a bounded observation, not authorization for any rate, disguised donation, or an advance fee prohibited by independently applicable federal law. |\n| J_GU-P01-C020 / A066 | S005, §7110, print p. 4/P3: Chapter 7 agency must not commingle debtor money/property with its own and must hold creditor-benefit money in a separate account until authorized disbursement, including any agency fee. | High for segregation. Chapter 7 text reviewed does not prescribe all account-insurance, reconciliation, insolvency, or time-to-refund details requested. |\n| J_GU-P01-C021 / A066 | S005, complete §§7101–7113 does not itself prescribe a comprehensive standard-form contract, general consumer rescission countdown, translation rule, or standalone fixed refund deadline. | High only as a bounded reading of Chapter 7. Do not generalize to absence under all Guam/federal rules or the contract. Statutory and negotiated rights must be checked independently. |\n\n### Federal overlays and fees\n\n| Claim ID / project | Substantive claim and exact source pinpoint | Applicability, exceptions, consequence, confidence |\n| --- | --- | --- |\n| J_GU-P01-C022 / A066 | S014, 16 CFR §310.2(o),(ff),(ii) defines covered debt-relief services, Guam as a geographic “State” for TSR purposes, and the qualifying campaign; S018, 15 USC §6106(3)–(4) supplies statutory geography. | High for definitions; conditional on telemarketing campaign, covered conduct, commerce and exclusions. Debt relief can include DMP/restructuring as well as lump-sum settlement. |\n| J_GU-P01-C023 / A066 | S017, §310.6(b)(3)–(7) distinguishes qualifying in-person, wholly unsolicited inbound, advertisement/direct-mail inbound, and business-call exceptions; debt-relief advertising/direct-mail calls are expressly carved back. S019, 15 USC §44 affects FTC nonprofit jurisdiction. | High for rule text; fact-dependent. A caller's inbound status, a nonprofit label, and an attorney affiliation are not universal TSR exemptions. Some exempt calls remain subject to specified requirements. |\n| J_GU-P01-C024 / A066 | S015, §310.3(a)(1)(i)–(iii),(viii)(A)–(D), (a)(2)(x): covered seller must disclose relevant total charges, restrictions, cancellation policy, settlement timing, required accumulated funds, nonpayment risks, and special account ownership/withdrawal rights; debt-relief disclosures precede enrollment. | High. Advertising outcomes, success rates, nonprofit character and credit effects cannot be materially misrepresented. Specific statements are conditional on actual offered method. |\n| J_GU-P01-C025 / A066 | S016, §310.4(a)(5)(i)(A)–(C): no covered debt-relief service fee until a valid executed creditor/customer debt change and a customer payment under it; for individually resolved debts, fees follow either required balance proportionality or the same savings percentage. | High, conditional on TSR. No federal fee amount or “20% cap” is enacted here. Amount and time are distinct tests; charging prematurely violates the rule even if eventual fee size would pass a formula. |\n| J_GU-P01-C026 / A066 | S016, §310.4(a)(5)(ii)(A)–(E): allowed dedicated reserve arrangement requires insured financial institution, customer ownership and interest, independent administrator without prohibited referrals, and penalty-free withdrawal with refundable funds returned within seven business days of request. | High; only if this federal reserve-account framework applies. An account balance is not an earned fee or a creditor settlement. No exact calendar date asserted. |\n| J_GU-P01-C027 / A066 | S016, §310.4(a)(2)(i)–(ii): separate timing ban on fees for telemarketed services represented to improve/remove derogatory credit information until represented service period ends and specified later consumer-report documentation exists. | High, only when the service makes covered credit-repair claims. Does not automatically attach to a purely debt-negotiation-only service. |\n| J_GU-P01-C028 / A066 | S021, 15 USC §1679a, CROA: credit-repair organization turns on services/representations for improving consumer-report history/rating or related credit advice for payment, using interstate commerce/mails; enumerated exceptions include actual §501(c)(3)-qualified nonprofits, specified creditors and institutions. | High for statutory text. Actual tax-exempt predicate required. Generic debt settlement or nonprofit label does not prove CROA inclusion or exclusion. |\n| J_GU-P01-C029 / A066 | S023/S024, 15 USC §§1679c–1679d: covered credit-repair providers have a prescribed precontract rights disclosure and a written contract with specific service, payment and performance/cancellation terms before services; §1679c specifies retention of signed acknowledgment. | High for provisions; S023 edition-date reconciliation partial. Applicable only if CROA provider/service test passes. |\n| J_GU-P01-C030 / A066 | S022, 15 USC §1679b(b): a covered CRO may not demand/receive money before the agreed services have been fully performed. | High. Separate from—and potentially more restrictive than—the TSR debt-relief fee-release mechanism when a business offers overlapping services. |\n| J_GU-P01-C031 / A066 | S025, 15 USC §1679e: CROA grants the covered customer cancellation until midnight of the third business day after contract execution, with prescribed notice form. | High for statute; no actual cancellation date computed without execution time and controlling day-count facts. It is not a universal Guam Chapter 7 right. |\n| J_GU-P01-C032 / A066 | S026–S028, 15 USC §§1679f–1679h: CROA addresses offending credit-repair contracts, consumer civil recovery and public enforcement, subject to provision-specific predicates and defenses. | High for opened text; partial on Guam officer's exact §1679h “State” authorization. Contract consequence concerns credit-repair agreement, not the independent debt owed a creditor. |\n| J_GU-P01-C033 / A066 | S020, 12 USC §5481(4),(5),(15)(A)(viii),(27) defines CFPB consumer-financial-service and debt-settlement/credit-counseling gateways and includes Guam. | High for definitions. Does not by itself establish a blanket Guam provider license, fee cap, enforcement suit, or individual damages cause. |\n| J_GU-P01-C047 / A066 | S043, 16 CFR §310.5(a)–(g): covered sellers/telemarketers retain prescribed records generally five years, with special trigger rules, a manual-single-number-call field exception, prescribed time formats, conditioned errors defense, and seller/telemarketer allocation and succession duties. | High for operative rule. Apply only if TSR governs and applicable record category is triggered; not an override of Guam §7108's distinct two-year minimum. |\n\n### Territorial/federal remedies, evidence limits, and examples\n\n| Claim ID / project | Substantive claim and exact source pinpoint | Applicability, exceptions, consequence, confidence |\n| --- | --- | --- |\n| J_GU-P01-C034 / A066 | S012, 5 GCA §§32103(a),(d),(k),(o),(p), 32201(b)(22),(25),(27): Guam consumer/deceptive-trade framework covers qualifying services and business consumers except specified $25 million asset cases and includes unauthorized-activity/deceptive-result/FTC-rule intersections. | High for text. Business-purpose transactions are not universally excluded from Guam DTPA; precise merchant, consumer and exemption facts remain necessary. |\n| J_GU-P01-C035 / A066 | S012, §§32109–32114, 32120: conditioned consumer civil claims, costs/fees and damage measures; §32110's 30-day pre-suit demand applies in its specified private-damages setting; §32120 addresses a covered provider-service sale's enforceability on its own predicates. | High on text; partial on litigation-specific damage/notice application. None of these provisions automatically voids an independent credit-card balance or existing judgment. |\n| J_GU-P01-C036 / A066 | S005, §7112 makes willful Chapter 7 violation a misdemeanor; S010, §§70119–70120 separately concerns general business-license offenses/discipline; S012, §§32127, 32307 supplies specified Guam AG civil-penalty avenues. | High for cited provisions. Criminal, administrative, government civil and privately recoverable remedies are separate. No automatic restitution/cancelled debt inferred. |\n| J_GU-P01-C037 / A066 | S029, 15 USC §§6103–6104 provides statutory federal telemarketing public and narrowly conditioned private enforcement, including §6104's more-than-$50,000 actual-damages-per-person gate, pattern/practice, and timing restrictions. | High for read section; partial on precise Guam official's authority under §6103 without separate status analysis. Ordinary single-contract disputes do not automatically meet §6104. |\n| J_GU-P01-C038 / A066 | S013, S033–S037, S044–S045 identify Guam AG consumer-complaint information, business-license administration, legal-assistance gateways and distinct federal bankruptcy counseling list. | High as a description of opened public portals. No authenticated, public Chapter 7 roster/license-lookup procedure located or used; absence of a located feature is not proof of no roster. |\n| J_GU-P01-C039 / A066 | S038–S040 and bounded public web searches using the exact provider-statute citations did not locate a squarely on-point published provider enforcement or controlling merits decision in this pass. | Limited negative search, not a statement that no litigation, enforcement, unpublished order, or interpretation exists. Court-search interface could not be fully queried. |\n| J_GU-P01-C040 / A066 | S002–S005, S012, S030, S042 show different source-version cutoffs: Chapter 7 older compilation, 2021 Guam DTPA, 2023 federal Title 48 print, 2026 enactment index. | Partial/HOLD against blanket latest-law certification. Enactment, signature, legal effective date, online incorporation, and prospective implementation are different facts. |\n| J_GU-P01-C041 / A066 | S005, §§7102(1), 7109(2)–(4), 7110; S016, §310.4(a)(5)(i) distinguishes debtor-money distribution, negotiated individual settlements and creditor agreements. | High for legal structural difference. A service-provider contract does not itself bind a creditor, discharge debt, or assure participation. Creditor assent and payment conditions control actual changes. |\n| J_GU-P01-C042 / A066 | S005, §§7102(2), 7103–7105; S019, 15 USC §44; S021, §1679a; S017, §310.6 contain different nonprofit, attorney, creditor and business classifications/exemptions. | High for texts; application fact-dependent. Nonprofit status, attorney work, CROA §501(c)(3), and FTC jurisdiction cannot be collapsed into one universal exemption. |\n| J_GU-P01-C043 / A066 | S005, §7102(1) addresses individuals of the general public; S012, §32103 has broader qualified “consumer/business consumer”; S020 uses personal/family/household consumer definitions; S017, §310.6(b)(7) treats many business telemarketing calls differently. | High for statutory definitions. Commercial accounts and actual lending need separate product/activity tests; no universal consumer/commercial treatment. |\n| J_GU-P01-C044 / A066 | S016, §310.4(a)(5)(i)(C)(1)–(2) supplies Example B's competing allocation formulas: `$4,000 × ($4,000 / $20,000) = $800`; `$1,600 × 0.20 = $320`. | High mathematical arithmetic, conditional legal use. Inputs/rates are invented solely for hypothetical illustration, not statutory Guam amounts or normative prices. See clarification below regarding actually paid savings base. |\n| J_GU-P01-C045 / A066 | S010, 11 GCA §§70119–70121, 70130–70131(a)–(e): consequences can include misdemeanor, license action, closure and specified asset restrictions after prescribed hearing, and inability to maintain a Guam court proceeding until licensed; §70131(e) preserves corporate acts and the right to defend. | High for text, conditional on activity legally requiring the license and applicable process. It is wrong to infer an unlicensed firm's contracts are automatically void or that a consumer no longer owes creditors. |\n| J_GU-P01-C046 / A066 | Bounded official-category search in S005–S007, S011–S012, S036, S041–S042 located an actual nonprofit credit-counseling chapter and adjacent telemarketing/general-consumer rules, but no separately named general for-profit “Debt Settlement Provider License Act.” | Classification NOT LOCATED, not “nonexistent”. Searches included `debt settlement`, `debt adjustment`, `debt management`, `credit counseling`, `credit repair`, `consumer credit`, `telephonic seller`, `registration`, `bond`, `fees`; inaccessible Chapter 6 and currentness gaps remain. |\n| J_GU-P01-C048 / A066 | S044, DOJ UST Guam list, read with S031/S045, is a public list for pre-bankruptcy approved counseling providers, not a territorial commercial debt-settlement license. | High for classification of list; no specific entity verified and no implication that all other statutory authorizations are present. |\n\nArithmetic clarification to Example B / C044: Section 310.4(a)(5)(i)(C)(2) defines savings against the amount actually paid to satisfy the debt. For the illustrated $320 savings-based fee, assume the customer subsequently completes all agreed installments totaling $2,400.00 and thereby satisfies Card A before the final savings base is calculated. Immediately after only the first $200 installment, $2,400 actually paid would be inaccurate; a purported final savings amount must not be inferred solely from the remaining promise. The alternative $800 proportional-fee illustration uses the contractually specified total fee and the enrolled balances, subject to the other TSR fee-release requirements. This resolves the numerical sequencing distinction without inventing a different rate or entitlement.\n\nA fresh opening of S005 through the official indexed result also succeeded after the intermittent direct-URL error recorded in the source register. It reaffirmed the entire five-page Chapter 7 body, including §§7102(2)(a)–(e), all five §7103 exceptions, the $5,000 §7107 bond, two-year §7108 retention, and §§7109–7113. This improves confidence in those textual claims but does not close the 2026 amendment-currentness hold. Uniform Consumer Credit Code\n\n## 11. Granular coverage and gap register\n\nStatus meanings:\n\n- Answered: The narrow rule or distinction identified in the row is supported by opened primary text, subject to the stated version limitation.\n- Partial: A material part is established, but a necessary legal or operational branch remains unresolved.\n- Unresolved: The requested proposition cannot be determined responsibly from the evidence obtained.\n- Excluded_with_reason: Deliberately assigned to another A066 component, with only an essential intersection addressed here.\n\nAll `C###` references point to J_GU-P01-C###, tagged A066 above.\n\n### Item 1 — Territorial authority, hierarchy, and applicability\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 1.1 Official legislature and enacted-law repository | Answered | Jurisdiction map; S003; C001–C002 | Obtain actual texts of any later public laws affecting the identified titles before final publication. |\n| 1.2 Official code/compiler authority | Answered | S001, S002, S042; C001 | No inference that the most recently indexed public law is already incorporated in each PDF. |\n| 1.3 Guam regulations and responsible rule repositories | Partial | S008, S011, S036, S041; C017–C018 | Verify complete, currently effective rules governing Chapter 7 notices, fee schedules, bonds, and supervision. |\n| 1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility | Partial | S005 §§7104, 7106–7111; S008–S009, S013; C009–C010, C017 | Open current 14 GCA Chapter 6; determine actual present Administrator, delegated functions, and whether original Council endorsement process has superseding implementation. |\n| 1.5 Territorial court hierarchy and appellate structure | Partial | S001, S030, S038–S040; C003 | Validate the current Organic Act text and any controlling jurisdictional decisions beyond the 2023 codified edition. |\n| 1.6 Enacted versus proposed, historical, amended, prospective | Partial | S003–S005, S010, S012; C002, C040 | Section-by-section reconciliation against P.L. 38-134 through P.L. 38-145, plus relevant earlier uncaptured amendments and effective clauses. No proposal treated as enacted. |\n| 1.7 Publication/update date versus effective date | Answered | S004–S005, S010; C002, C040 | The distinction is established; underlying later-law effective dates remain to be verified individually. |\n| 1.8 Federal TSR geographic gateway | Answered | S014, S018–S019; C004, C022 | Campaign conduct and §310.6 exclusions still require facts. |\n| 1.9 Federal CROA and CFPB geographic/scope gateways | Partial | S020–S028; C004, C028, C033 | CROA's Guam-specific state-officer enforcement route requires further statutory interpretation; do not conflate it with CROA's consumer/service definitions. |\n| 1.10 Bankruptcy jurisdiction gateway | Answered | S030–S032, S044–S045; C005, C048 | Full bankruptcy eligibility, counseling exceptions, filing and discharge rules are outside this pass. |\n| 1.11 Territorial enforcement versus federal agency versus private action | Partial | C032–C037, C045 | Relevant routes separated; unavailable current Chapter 6 and certain Guam federal-state enforcement predicates prevent complete administrative mapping. |\n| 1.12 No automatic mainland-state or universal federal rule | Answered | Applicability matrix; C004, C011–C012, C022–C023, C042–C043 | Each statute's own defined activity, territory, exemptions and remedy remain controlling. |\n\n### Item 2 — Provider classification\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 2.1 Exact Chapter 7 “credit counseling” definition | Answered | S005 §7102(1); C006 | Apply each alternative branch to actual services separately. |\n| 2.2 Five express definition exclusions | Answered | S005 §7102(2)(a)–(e); C007 | Predicate facts required; no exemption by superficial similarity. |\n| 2.3 Debt negotiation/settlement for existing consumer debt | Partial | S005 §§7102(1), 7103; C006, C008, C041 | Chapter 7's broad debtor-agent language establishes a serious classification issue; specific nonresident reach and hybrid service cases need adjudication. |\n| 2.4 DMP and creditor-payment distribution | Answered | S005 §§7102(1), 7109(2)–(4), 7110; C006, C020, C041 | Actual disbursement authority and creditor consent remain contract/fact questions. |\n| 2.5 Credit education without negotiation or funds | Partial | S005 §§7102(1)–(2), 7109(7)–(8); C006–C007 | Determine when the specific education falls within specialized hardship counseling versus an excluded program. |\n| 2.6 Credit repair/credit-services representations | Partial | S016, S021–S025; C027–C031 | Federal overlap mapped. A standalone Guam-specific credit-services provider enactment was NOT LOCATED in bounded official search; broader code/GAR verification remains. |\n| 2.7 Debt consolidation/refinancing by an actual lender | Partial | S005 §7102(2)(c); S020; C007, C033, C043 | An actual loan is not automatically debtor-side negotiation; product-specific lender licensing and underwriting rules are beyond this component. |\n| 2.8 Creditor collecting its own existing debt | Answered | S005 §7102(2)(c), S010 §70103(e)(8), S021 §1679a(3)(B)(ii); C007, C011, C028 | These are different narrowly worded exclusions. They do not exempt a paid third-party debtor representative. |\n| 2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications | Answered | S005 §§7102–7103; C007–C008, C042 | Each exception requires its own specified role/activity/organization predicates. |\n| 2.10 Individuals, commercial accounts, secured/unsecured | Partial | S005 §7102, S012 §32103, S020 §5481, S021 §1679a; C006, C034, C043 | Chapter 7's individual-and-credit language is established; it is not a universal unsecured-only restriction. Secured-product-specific law remains deferred. |\n| 2.11 Guam residence, provider establishment, interstate/online sales | Partial | S010 §70103(e); S012 §§32103(p), 32302; C011–C014 | Local phone-seller nexus is express. No complete Chapter 7 rule on remote-only internet conduct established. |\n| 2.12 Separate, generally named for-profit debt-settlement statute | Unresolved — NOT LOCATED | S005–S007, S011–S012, S036, S041–S042; C046 | Search more current enactment text/GAR and inaccessible UCCC administration chapter. NOT LOCATED does not mean unregulated or permitted. |\n\n### Item 3 — License, registration, exemptions, and supervision\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 3.1 Chapter 7 permission structure | Answered | S005 §7103; C008 | Text specifies permitted actor classes; current supervisory practice unresolved. |\n| 3.2 Nonprofit agency incorporation and Council endorsement | Answered | S005 §§7104–7105; C009 | Statutory organizational predicates confirmed; contemporary application process remains partial. |\n| 3.3 Ten-member rule | Answered | S005 §7105; C009 | No inference of waiver or compliance by an actual organization. |\n| 3.4 Administrator notice, office/officer identification | Answered | S005 §7106; C010 | Notice is not automatically proof of a formally issued license. |\n| 3.5 Chapter 7 bond/security | Answered | S005 §7107; C010 | $5,000 bond text and purpose established; surety-claim procedure and priority not fully determined. |\n| 3.6 Chapter 7 insurance/net-worth minimum | Partial | Complete S005; C009–C010, C021 | No separate insurance/net-worth number appears in the chapter read. Do not extrapolate absence under external corporate, bond, or administrative rules. |\n| 3.7 General Guam business license | Answered as to governing chapter; partial as applied | S009–S010; C011, C045 | DRT requirements established; precise remote business/branch classification remains case-dependent. |\n| 3.8 Telephonic seller registration | Answered as to text; partial as applied | S012 §§32301–32306; C013–C015 | Resolve written-contract exclusion and exact campaign classification. |\n| 3.9 Initial/annual government registration fees | Answered | S012 §32302; C014 | Distinguish $50 government filing/renewal charges from provider fees passed to a consumer. |\n| 3.10 Branch/nonresident requirements | Partial | S005 §7106(3); S010 §70121; S012 §32306; C010–C014 | Different acts trigger different office/location, seller-information and nonresident details. No unified remote-provider rule. |\n| 3.11 Record retention/reporting/examinations | Partial | S005 §7108; S043 §310.5; S007; C010, C017–C018, C047 | Chapter 7 two-year and covered TSR five-year rules established separately; Chapter 6 examinations and further reporting not verified. |\n| 3.12 Current specialized public license lookup | Unresolved | S013, S033, S036–S037; C038 | No publicly usable Chapter 7 roster confirmed. No entity search, login, application, or record request performed. |\n| 3.13 Attorney/nonprofit/bank/credit-union exemptions | Partial | S005 §§7102–7103; S021 §1679a; S019 §44; C007–C008, C028, C042 | Exact federal bank/credit-union and §501(c)(3) predicates read; do not extend them as unwritten Guam Chapter 7 exemptions. |\n| 3.14 Suspension/revocation/process | Partial | S010 §§70119–70120, 70130–70131; S007; C018, C045 | General-license process read; Chapter 6/UCCC special disciplinary process remains unverified. |\n| 3.15 Nonresident home-state license reciprocity | Unresolved / no affirmative authorization located | S005, S010, S012; C008, C011–C012 | No universal reciprocity found in text read; any claimed treaty/recognition or exemption needs its own primary authority. |\n\n### Item 4 — Permitted services, fee amount and timing\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 4.1 Which Chapter 7 actors may render defined counseling | Answered | S005 §7103; C008 | Do not infer permission for all for-profit negotiators. |\n| 4.2 Chapter 7 reasonable-service-fee authority | Answered | S005 §7109(4); C019 | Reasonableness and agency-purpose predicates apply. |\n| 4.3 Fee-schedule submission | Answered | S005 §7111; C019 | Actual administrative acceptance/objection process and agency fee schedules not obtained. |\n| 4.4 Guam dollar/percentage/monthly fee caps | Partial | Complete S005; C019, C021 | No numeric Chapter 7 cap stated there. Other applicable Guam rules and case interpretation not conclusively excluded. No fabricated number. |\n| 4.5 Chapter 7 prospective-fee wording | Answered | S005 §7109(4); C019 | Statutory text permits services “to be rendered” as a fee subject; covered federal TSR timing may independently prohibit collection. |\n| 4.6 Covered TSR debt-relief fee-release trigger | Answered | S016 §310.4(a)(5)(i)(A)–(B); C025 | Valid executed creditor agreement and first customer payment both required. |\n| 4.7 Covered TSR per-debt amount formula | Answered | S016 §310.4(a)(5)(i)(C); C025, C044 | Proportional enrolled-balance method or constant savings-rate method; Example B includes arithmetic and actual-payment clarification. |\n| 4.8 Donations, fair-share, creditor-paid remuneration | Partial | S005 §7109(9), S016 §310.4; C019, C025 | Chapter 7 contribution authority read; whether a particular “donation,” creditor payment or referral arrangement is prohibited consideration depends on actual payment relationship and federal coverage. |\n| 4.9 Enrollment, monthly, default, cancellation, refund charges | Partial | S005 §§7109, 7111; S015–S016; C019, C024–C026 | No universal Guam rate chart located. Obtain controlling regulations and actual agreement before assessing specific charge. |\n| 4.10 Covered telemarketing credit-repair fee timing | Answered | S016 §310.4(a)(2); C027 | Credit-improvement representations trigger a different timing regime. |\n| 4.11 CROA advance fee | Answered | S021–S022; C028, C030 | Actual credit-repair definition/exemptions required. |\n| 4.12 TSR sales claims/disclosures | Answered | S015 §310.3; C024 | Risks, times, funds and representations enumerated; actual marketing evidence not reviewed. |\n| 4.13 Nonprofit-versus-FTC fee interaction | Partial | S005, S017, S019; C019, C023, C042 | Actual entity structure and FTC jurisdiction must be established; Guam allowance alone is insufficient for a covered telemarketed service. |\n\n### Item 5 — Agreement, cancellation, creditor participation, and customer funds\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 5.1 Standard Guam Chapter 7 written client contract | Partial | Complete S005; C021 | No comprehensive form/mandatory clauses located in Chapter 7; other applicable laws/agency practice may impose them. |\n| 5.2 Guam telephonic-sale written and delivered contract | Partial | S012 §§32301, 32303–32305; C013, C015 | Applicable Article 3 contract obligation read; unusual written-contract exclusion requires resolution. |\n| 5.3 Federal pre-enrollment disclosures | Answered | S015 §310.3(a)(1); C024 | Conditioned on TSR transaction, including risks and reserve-account explanation. |\n| 5.4 Budget/ability-to-pay assessment | Unresolved | S005, S007, S011, S041; C018, C021 | No generally applicable specific Guam provider-assessment method established; examine accessible full GAR/UCCC administration and any federal overlay for service category. |\n| 5.5 Creditor consent, notification and participation | Partial | S005 §§7102, 7109; S016 §310.4(a)(5); C041 | Actual creditor assent is essential for enforceable modification; no universal creditor-notification deadline established. |\n| 5.6 Contract duration, consumer copy, translation | Partial | S012 §§32303–32304; S023–S024; C015, C029 | CROA/covered telephone rules identified; no universal Guam translation obligation established. |\n| 5.7 Guam Chapter 7 cancellation/rescission | Partial | S005 complete; C021 | No generally applicable specific countdown in that chapter; cannot declare there is no separate statutory, contract, or common-law right. |\n| 5.8 CROA cancellation | Answered | S025 §1679e; C031 | Midnight/third-business-day rule only on CROA branch; no actual calendar calculated. |\n| 5.9 Guam Chapter 7 funds segregation | Answered | S005 §7110; C020 | Separate creditor-benefit account; do not commingle. |\n| 5.10 Covered TSR dedicated account safeguards | Answered | S016 §310.4(a)(5)(ii); C026 | Five required conditions, consumer withdrawal and seven-business-day refund; distinct from local rule. |\n| 5.11 Depository location, insurance, independent administration | Partial | S005 §7110; S016 §310.4(a)(5)(ii)(A)–(D); C020, C026 | FTC-insured-institution/independence rule established; Guam Chapter 7 alone does not supply a specific bank-geography test. |\n| 5.12 Reconciliation, statements, disbursement cadence | Partial | S005 §§7108, 7110; S007; C010, C020 | Records and segregation found, but transaction-by-transaction timing and accounting-format rules not fully resolved. |\n| 5.13 Insolvency, commingling loss, priority and bond proceeds | Unresolved | S005 §§7107, 7110; C010, C020 | No verified governing priority, claims, tracing or insolvency-remedy hierarchy; cannot promise repayment or bond recovery. |\n| 5.14 Consumer default/provider termination/creditor refusal | Partial | S015–S016; C024–C026, C041 | Covered TSR disclosures and customer withdrawal identified; actual creditor arrangement, fee provisions and underlying account consequences vary with facts. |\n| 5.15 Refund and cancellation day counting | Partial | S016 §310.4(a)(5)(ii)(E), S025 §1679e; C026, C031 | Legal periods established in specific federal branches; exact start time, weekends/holidays, service and local procedural interactions require specified facts. |\n| 5.16 No guaranteed settlement or creditor discharge | Answered | S005 §7109, S016 §310.4(a)(5); C041 | Enrollment and deposits alone do not change the creditor agreement. |\n\n### Item 6 — Consequences, remedies, process and resources\n\n| Subissue | Status | Finding location / claims | Missing evidence and next focused action |\n| --- | --- | --- | --- |\n| 6.1 Chapter 7 criminal violation | Answered | S005 §7112; C036 | Willfulness expressly required; prosecution not automatic. |\n| 6.2 General Guam licensing enforcement | Answered | S010 §§70119–70121, 70130–70131; C045 | Licensure predicate, process and statutory limitations matter. |\n| 6.3 Chapter 7-specific administrative enforcement | Unresolved | S007, S008; C017–C018 | Obtain actual current Chapter 6 §§6102–6113 and regulations before detailing notices, examination, hearing, appeal or revocation. |\n| 6.4 Guam AG deceptive-practice remedies | Answered as to cited provisions | S012 §§32111, 32119, 32127, 32307–32308; C034–C036 | Specific claim, defendant conduct, procedural predicates and penalty calculations remain case-dependent. |\n| 6.5 Territorial private consumer cause/damages | Partial | S012 §§32109–32114, 32120; C035 | Express statutory cause and remedy family found; actual standing, pre-suit demand, damage proof and exemptions not resolved without transaction facts. |\n| 6.6 Bond beneficiary rights | Partial | S005 §7107; C010 | Bond expressly contemplates persons with claims under Chapter 7; not a generic private damages action or guaranteed collectible award. |\n| 6.7 Federal TSR public/private enforcement | Partial | S018–S019, S029; C022, C037 | FTC route and restricted statutory private route located; Guam government-officer standing and complete procedure require additional interpretation. |\n| 6.8 Federal CROA private/FTC remedies | Answered as to federal statute | S026–S028; C032 | Section-specific liability and remedies identified; Guam “State” official enforcement path separately held. |\n| 6.9 Public complaint route | Answered as public guidance | S013; C038 | OAG Consumer Protection Division source opened. No complaint submitted, no response sought. |\n| 6.10 License verification path | Unresolved | S033, S036–S037; C038 | No verified publicly searchable specialized Chapter 7 roster; no entity-specific check authorized or performed. |\n| 6.11 Actual squarely on-point provider decision/enforcement | Unresolved — NOT LOCATED in bounded search | S038–S040; C039 | Search coverage insufficient for an absence-of-authority holding. Search accessible published opinions/enforcement archives if authorized in later focused pass. |\n| 6.12 Relevant non-provider licensing-case annotations | Partial | S010, §70102 note and §70130 annotations; C045 | EIE Guam Corp. v. Long Term Credit Bank of Japan, 1998 Guam 6 ¶25; Taijeron v. Kim, 1999 Guam 16 ¶29; and historical Pacific Equity & Capital Enterprises v. Baba appear in the official code's case annotations. They concern other licensing contexts, not a square Chapter 7 provider holding. Underlying opinions were not independently read and are not adopted as controlling provider decisions. |\n| 6.13 Public assistance/referral information | Answered as resource inventory | S034–S035, S045; C038, C048 | Eligibility, practice availability and suitability not established; no referrals initiated. |\n| 6.14 Read-only provider-evaluation checklist and alternatives | Answered within task scope | §8 above; C006–C043 | No actual account, contract, attorney, creditor or provider evaluated. |\n| 6.15 Violation does not automatically cancel underlying debt | Answered | S010 §70131(e), S012 §32120, S026 §1679f; C032, C035, C041, C045 | Distinguish offending service agreement, entity procedural disability and independent creditor claim. No guaranteed restitution, setoff, discharge or void judgment. |\n| 6.16 Territorial/civil/criminal remedy coordination | Partial | C032–C037, C045 | Primary routes distinguished. Exhaustive claim joinder, preemption, limitations, local jurisdiction and all overlapping remedies require separate fact-specific research. |\n\n### Six deferred parent dimensions\n\n| A066 parent dimension | Status | Reason / narrow intersection in this pass | Next owner action |\n| --- | --- | --- | --- |\n| Collection conduct, debt validation, credit reporting | Excluded_with_reason | Only provider claims concerning possible collections/credit effects under TSR §310.3 were covered; no creditor/collector conduct or furnishing dossier. C024, C041. | Separate collection, validation and reporting components. |\n| Limitation periods, accrual and revival | Excluded_with_reason | A provider payment or creditor agreement may have implications, but no limitation or revival conclusion was made. | Separate limitations/revival component. |\n| Litigation, default, judgment enforcement | Excluded_with_reason | Only provider-remedy and general-license court-access intersections addressed. C035–C037, C045. | Separate litigation/judgment component. |\n| Garnishment, wage, bank and property exemptions | Excluded_with_reason | Chapter 7 mentions certain assignments and representation powers, but no exemption or garnishment analysis was performed. S005 §7109(3),(5). | Separate garnishment/exemption component. |\n| Secured debts; medical, rent, utilities, taxes and other special obligations | Excluded_with_reason | No product- or debt-category-specific settlement legality or priority conclusions. C043. | Separate special-debt components. |\n| Broader protections for vulnerable consumers | Excluded_with_reason | Narrow Guam DTPA and TSR deception/disclosure intersections examined; no broad disability, elder, military, language-access or special-remedies dossier. C024, C034–C035. | Separate vulnerable-consumer component. |\n\n## 12. Bounded official search and decision results\n\nThis table records what was actually examined. An unsuccessful or incomplete search is not affirmative proof that a law or decision does not exist.\n\n| Official repository or source | Exact bounded targets / search terms | Actual outcome | Evidentiary effect |\n| --- | --- | --- | --- |\n| Guam Compiler GCA index, S042 | Title 14, Chapter 7; `credit counseling`; `consumer credit`; `nonprofit` | Identified and ultimately opened the complete 14 GCA §§7101–7113 text, S005. | Positive operative finding. |\n| Guam Compiler GCA index, S042 and former Chapter 6 path S007 | Title 14, Chapter 6; `Administrator`; §§6102–6113; `examination`; `complaint` | Chapter exists in code index, but direct former PDF path failed. An indexed excerpt identified possible powers. | Discovery only for Chapter 6 wording. |\n| Guam Compiler GCA, S010 | Title 11, Chapter 70; `business`; `interstate`; `exemption`; `license`; `suspension`; `court` | Opened operative general license, activities exclusions and consequence provisions. | Positive general-business rule; not special debt-settlement license. |\n| Guam Compiler GCA, S012 | Title 5, Chapter 32; `telemarketing`; `telephonic seller`; `registration`; `bond`; `fees`; `consumer` | Opened Articles 1–3; verified AG registration, exclusions, filing charges, contracts and remedies. | Positive adjacent provider-applicable rules. |\n| Guam GAR index and selected files, S008, S011, S036, S041 | `credit counseling`; `debt adjustment`; `debt settlement`; `savings and loan`; `general business license`; `consumer counsel` | Historical/selected regulatory material and agency labels located; no fully verified current Chapter 7 filing or fee schedule rule. | Partial; specialized implementing rule NOT LOCATED within read bounds. |\n| Guam Legislature enactment index and section-affected table, S003–S004 | Relevant Title 5, 11 and 14 sections; through table cutoff P.L. 38-133 | Table and later public-laws index both found; not every later act opened and checked against exact sections. | Currentness hold. |\n| Guam AG/DRT/BSP portals, S013, S033, S037 | `consumer protection`; `business license`; `renewal`; available public lookup instructions | Consumer complaint and general licensing information found; no authenticated-free specialist Chapter 7 roster demonstrated. | Specialized public lookup NOT LOCATED, not declared nonexistent. |\n| Guam Supreme/Superior public indexes, S038–S040 | `14 GCA § 7103`; `14 GCA § 7111`; `credit counseling agency`; provider enforcement | No squarely matching published merits decision found by bounded accessible search; some official search functions yielded no extractable results. | Case result inconclusive; no negative precedent holding. |\n| Federal UST Guam directory, S032, S044–S045 | Guam district versus Guam territory listing | One query-filter route appeared empty; separate public Guam list clearly contained approved agencies. | Corrected route interpretation: federal bankruptcy approved list exists, unrelated to Guam's ordinary Chapter 7 registration. |\n\n### Operational hold/allow matrix\n\nThe following is a research decision matrix, not permission to operate a debt-relief business.\n\n| Proposed classification or claim | Research status | What is presently supported | What must remain on hold |\n| --- | --- | --- | --- |\n| Guam Chapter 7 nonprofit counseling agency with debtor funds | Defined | Statutory organization, Council endorsement, notice, bond, two-year records, segregation and fee schedule are identified. | Actual present administrative approval procedure, all later amendments, specific entity compliance and fee reasonableness. |\n| For-profit person negotiating Guam consumer debts | High-risk / partial | Broad debtor-agent classification and restricted §7103 actor categories make the issue substantive. | Categorical legality/unlawfulness for every remote or hybrid arrangement without nexus, exemption and complete currentness analysis. |\n| Interstate telemarketed debt-relief campaign | Federal rule mapped | Geographic definition, campaign/service tests, conditional exemptions, disclosures and fee/account rules identified. | Applying them without campaign, nonprofit, attorney and exemption facts. |\n| Guam telephone seller | Conditional | AG registration, filing fees, consumer notices, written contract and statutory consequences located. | Whether particular calls fall outside §32301, particularly later signed contracts and consumer-initiated contacts. |\n| Credit-repair representations accompanying debt relief | Conditional overlap | CROA and TSR credit-repair triggers, federal prepayment and cancellation/contract rules identified. | Automatic classification of all debt settlement as credit repair, or universal exemptions based on nonprofit labels. |\n| True consolidation loan by a lender | Separate activity | Lender and third-party debtor-agent activities distinguished. | Licensing, origination, financing and product-specific compliance not researched here. |\n| Claim that another state's license authorizes Guam work | Not substantiated | No general reciprocity established by operative sources read. | Any legal assertion of reciprocity without its exact Guam authority and factual predicates. |\n| Claim that failure to license erases creditors' debts | Unsupported | General licensing law expressly preserves specified corporate acts/defenses; service and creditor contracts are distinct. | Automatic voiding of balance, judgment or collection right. |\n\n## 13. Precise unresolved questions and publication holds\n\nThese are not minor editorial qualifications. They should remain visible in any coordinator handoff or draft intended to explain Guam legal requirements.\n\n1. Amendment reconciliation: Have any laws through P.L. 38-145 altered Chapter 7, Chapter 6, the relevant 11 GCA provisions, or 5 GCA Chapter 32, directly or by broader reorganization? The older PDFs and table cutoff do not fully answer that.\n\n2. Current UCCC Administrator: Who presently exercises the 14 GCA Chapter 6 Administrator's powers, under which current delegation, and through which legally prescribed process? S007 did not yield opened operative text. The historical 15 GAR identification should not be promoted to a conclusively current assignment.\n\n3. Special registration practice: Does the Chapter 7 notice, corporation approval, and bond filing operate solely as the specified statutory prerequisites, or do current regulations require additional review/renewal, approvals or reporting? No specialist public application instructions were verified.\n\n4. Remote reach: Does §7103 apply to every wholly off-island person servicing a Guam resident online, or only transactions meeting particular Guam nexus rules? The express reach of phone-seller §32302 is not by itself an answer to Chapter 7.\n\n5. Telephonic-sale interpretive issue: Precisely when does §32301's later signed-contract exclusion apply, given §32304's separate written-contract requirement? A definitive operational statement needs full-text reconciliation and, preferably, an authoritative construction.\n\n6. Nonprofit governance: Are the §7104 organization language and Judicial Council endorsement still administered exactly as originally enacted, including for nonresident nonprofits? What corporate-law amendments or administrative requirements matter?\n\n7. Fee oversight: Does a submitted §7111 fee schedule require acceptance, approval or only filing, and what standard or formal procedure determines “reasonable” fees? No numeric Chapter 7 fee cap was identified in the full chapter; no alternative cap may be invented.\n\n8. Financial assurances: Is there any current additional insurance, net-worth, bond-renewal, depository or audited-reporting requirement in unread current regulations? The demonstrated $5,000 Chapter 7 bond cannot answer all those questions.\n\n9. Consumer contracts/cancellations: Beyond telephonic sales, CROA and TSR account withdrawal, what specific current Guam contractual, refund, translation or rescission rules apply to particular models? The lack of a comprehensive form in Chapter 7 is not a general exemption.\n\n10. Customer money: For a Guam Chapter 7 agency outside the covered TSR reserve-account route, which law supplies exact disbursement cadence, ledger statements, reconciliation, insolvency priority and refund deadlines? Segregation alone does not settle them.\n\n11. Exempt actors: What happens in combinations such as an independent sales company retaining a Guam lawyer, a creditor-paid nonprofit counseling program, a bank affiliate offering both lending and paid debtor negotiation, or a remote §501(c)(3) that has not completed Chapter 7 organization steps? Each needs predicate-by-predicate analysis.\n\n12. Federal overlap and enforcement: Determine precise FTC jurisdiction for any true nonprofit arrangement; the applicable TSR campaign exclusions; and whether/how Guam's AG may use the distinct federal CROA §1679h and Telemarketing Act §6103 state-officer routes. Territorial DTPA authority should not be treated as proof of every federal route.\n\n13. Court and administrative decisions: Accessible case indexes did not establish a square provider holding. Search completeness and any unpublished agency decisions remain unresolved. Adjacent bank/lease business-license annotations are not substitutes.\n\n14. Current public lookups: No specialized public Chapter 7 roster or status-verification workflow was established. The DOJ bankruptcy list is a different approval system. No individual provider verification was attempted.\n\n15. Calendar and remedy application: No contract execution date, consumer request, service method, holidays, actual creditor payment or lawsuit record exists in this assignment. Therefore, no live cancellation date, filing deadline, damages award, restitution amount, bond recovery or settlement discharge is calculated.\n\n16. Commercial and secured arrangements: The exact business-consumer and secured-credit consequences under each adjacent statute may differ; broader product-specific analysis remains queued under the other A066 dimensions.\n\n### Publication decision by assertion type\n\n| Proposed publication assertion | Decision | Reason |\n| --- | --- | --- |\n| “Guam has a statutory chapter concerning nonprofit consumer credit counseling agencies.” | Supportable with date/source qualification | S005 §§7101–7113 opened and read. |\n| “That chapter broadly defines credit counseling to include acting as a debtor's agent and distributing debtor funds.” | Supportable with precise §7102 quotation/paraphrase | S005 §7102(1). |\n| “A Guam Chapter 7 agency has a $5,000 bond, two-year transaction-record minimum and separate-account duty.” | Supportable with source/date qualification | S005 §§7107, 7108, 7110. |\n| “Any debt-settlement provider can charge 20% of savings in Guam.” | HOLD / unsupported | No Guam 20% rule established. Example B's 20% is illustrative contractual input, not enacted law. |\n| “All Guam debt-settlement providers must use the FTC seven-business-day account refund rule.” | HOLD / overbroad | Requires covered TSR transaction and qualifying account arrangement. |\n| “All credit counseling by nonprofits is exempt from TSR, CROA and Guam Chapter 7.” | HOLD / incorrect as blanket statement | Three different statutory tests and conditions. |\n| “Remote out-of-state settlement companies need no Guam approvals.” | HOLD / unsupported | Chapter 7 territorial reach and other nexus provisions require further work. |\n| “Signing a contract automatically removes Guam's telemarketing registration requirement.” | HOLD / overbroad | §32301/§32304 interaction and full campaign facts unresolved. |\n| “A firm without a Guam business license cannot collect any debts and its corporate acts are void.” | HOLD / contradicted in material part | S010 §70131(e) preserves corporate acts and defenses; §70131 has distinct court-access and enforcement conditions. |\n| “The U.S. Trustee's Guam-approved counseling list is Guam's debt settlement license list.” | HOLD / incorrect | Federal bankruptcy approval and Guam Chapter 7 are distinct. |\n| “No Guam provider case or special regulation exists.” | HOLD / unsupported negative | Bounded searches and inaccessible material cannot establish universal absence. |\n\n## 14. Scoped researcher self-check\n\n| Required safeguard | Result |\n| --- | --- |\n| Regular Chat; no Deep Research, website changes, filings, messages, purchases, accounts or provider contacts | Observed. Public primary-source retrieval and read-only analysis only. |\n| Actual model/mode provenance | Regular Chat was used. The interface did not expose a independently verifiable model-tier/reasoning selector in this research response; no unsupported claim of changing models is made. |\n| Baseline and actual check date | Baseline: October 22, 2026 Pacific. Checks: October 26, 2026, America/Los_Angeles. Federal eCFR's displayed content date of October 22 is separately identified. |\n| Jurisdiction-specific primary law | Completed for opened provisions of Guam 14 GCA Ch. 7, 5 GCA Ch. 32 and 11 GCA Ch. 70; later amendment reconciliation incomplete. |\n| Federal territorial definitions | Completed for the identified FTC/TSR and CFPB statutes; CROA officer-enforcement pathway still qualified. |\n| Statutory definitions and exclusions | Read completely for 14 GCA Chapter 7, including the five §7102 exclusions and five §7103 allowed actor classes. |\n| Separate legal versus administrative versus federal versus private consequences | Separated, with remaining Chapter 6 and federal officer-authority questions flagged. |\n| Fee and cancellation mathematics | Worked for the actual federal formula and refund rule, with exact hypothetical units and the correction that savings must use what was actually paid to satisfy the debt. No fabricated Guam cap. |\n| Source register | 45 visible IDs, S001–S045, with literal direct URLs, access and version limitations; operative-versus-index status distinguished. |\n| Claim register | 48 visible IDs, C001–C048, mapped to A066 and pinpoints. IDs C047–C048 were appended after the original C001–C046 sequence because of additional verified federal material. |\n| Granular coverage register | Visible above, including all six numbered topics and six expressly deferred dimensions. |\n| PDF integrity | Machine-text extraction only; no PDF pixel review claimed. Printed page and zero-based PDF page index identified separately for opened PDFs. |\n| Case/search absence | Bounded NOT LOCATED findings, never “there is no case/law.” |\n| Individual or provider data | None accessed or looked up. Public regulator directories were inspected as general authoritative resources only. |\n| Independent review | Not performed. This is the original researcher's self-check, not a second opinion or coordinator acceptance. |\n\n### Final scoped assessment\n\nThe strongest Guam-specific finding is not a conventional for-profit debt-settlement license with a published fee cap. It is a broadly worded statutory prohibition and nonprofit credit-counseling structure in 14 GCA §§7102–7103, with detailed organizational, bond, recordkeeping, fee-schedule and segregation requirements in §§7104–7111. The applicability of that structure to a particular remote, attorney-operated, nonprofit, creditor-funded or mixed-service provider requires its exact statutory facts and presently unresolved territorial/administrative questions.\n\nIndependently, a service that satisfies the FTC Telemarketing Sales Rule's territorial, campaign, service and nonexemption tests faces substantive disclosure, fee-release, account and recordkeeping requirements. Guam's distinct telephonic-seller and deceptive-trade laws may also apply on their own definitions. A credit-repair representation can add CROA and the separate TSR credit-repair rule. No one layer replaces the others, and none guarantees creditor cooperation or debt cancellation.\n\nPass disposition: Focused research findings and all visible evidence tables delivered, with explicit holds. No Guam territory-dossier, provider-component, seven-dimension parent, A066, operational, legal-compliance or publication acceptance is asserted. Consequential authority, arithmetic and coverage remain subject to the coordinator's independent verification.\n\nEND J_GU PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Actual role for this component","Governing source and boundary"],["Guam Legislature","Enacts territorial statutes and amendments","Public laws and the Guam Code Annotated (GCA). The enacted public law controls an unauthorized discrepancy in a compiled code title."],["Supreme Court of Guam, Office of the Compiler of Laws","Officially publishes the GCA, Guam Administrative Rules and Regulations (GAR), session laws, and judicial opinions","1 GCA §§ 100–102. The displayed consolidation date limits what an online chapter proves."],["Department of Revenue and Taxation (DRT)","General business licensing; banking and savings-and-loan functions","11 GCA §§ 1103–1105 and 70101–70134. The general business license is separate from Chapter 7 credit-counseling authorization."],["Savings and Loan Commissioner / UCCC Administrator","Named recipient for Chapter 7 agency notices, bonds, and fee schedules","14 GCA §§ 7106, 7107, 7111; 15 GAR § 2101(a). Current administrative delegation and procedure require confirmation."],["Office of the Attorney General, Consumer Protection Division","Territorial deceptive-trade-practices enforcement; registration of covered telephonic sellers","5 GCA Chapter 32, especially Articles 1–3."],["Superior Court of Guam","Territorial trial-court forum for applicable civil, criminal, administrative-review, and enforcement proceedings","Local jurisdiction, subject to applicable federal jurisdiction."],["Supreme Court of Guam","Highest local appellate court","48 U.S.C. § 1424-1. Its local-law judgments are not ordinarily reviewed by the Ninth Circuit under the former Guam-certiorari arrangement eliminated in 2004."],["District Court of Guam","Federal-court jurisdiction, including bankruptcy jurisdiction","48 U.S.C. § 1424; official District Court bankruptcy guidance. Federal appeals follow the applicable federal appellate route."],["FTC and CFPB","Separate federal consumer-protection authorities where their respective statutory jurisdictional tests are satisfied","The Telemarketing Sales Rule (TSR), Credit Repair Organizations Act (CROA), and Title X of the Dodd–Frank Act."]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Activity or organizational claim","Chapter 7 result","Critical predicate"],["Paid negotiation of an individual's unsecured credit-card debt","Likely covered","Acting as the person's agent to resolve credit-related economic difficulties; actual contractual role matters."],["DMP collecting debtor money for creditor distribution","Likely covered","Express receipt/disbursement branch of § 7102(1)."],["Individualized counseling without taking debtor funds","Potentially covered","Specialized counseling branch does not require custody of funds."],["Free, generic articles or calculators","Not automatically covered","Whether activity amounts to specialized counseling or acting as an agent, rather than general publication, needs factual separation."],["Employer counseling its own employee","Excluded if conditions met","Employer-to-employee service without charge, § 7102(2)(a)."],["Nonprofit whose principal purpose is something else","Excluded if conditions met","Counseling is incidental to its other principal purpose and is free or nominally charged, § 7102(2)(b)."],["Newly established nonprofit primarily selling debt counseling","Not exempt merely for being nonprofit","Must satisfy Chapter 7's authorized-agency conditions; § 7102(2)(b) ordinarily will not fit its principal purpose."],["Attorney negotiating in the course of practicing law","Express § 7103 exception","Must actually be an attorney-at-law rendering services in the course of practice; an attorney nominally affiliated with an otherwise commercial operation is not thereby an automatic exemption."],["Court-directed actor","Express exception","Must actually act under court order or direction."],["Duly constituted nonprofit legal-aid bureau","Express exception","Real legal-aid character is required."],["Substantially government-funded provider","Conditional exception","Work must remain within the grant or appropriation's terms."],["Regular creditor restructuring its own customer's debt","Possible § 7102(2)(c) exclusion","Creditor activity, no direct compensation for the specified counseling/disbursement, and furtherance of its credit business."],["Independent person collecting a creditor's existing debt","Do not conflate","Creditor-side collection is not, solely for that reason, debtor-side counseling; other collector rules are deferred."],["Genuine new consolidation lender","Different primary classification","Lending and its applicable licensing/credit rules must be analyzed separately. Giving advice or negotiating older debts may create an additional activity."],["Provider licensed in a mainland state","No Guam exemption established","A different jurisdiction's authorization is not listed in §§ 7102–7103."],["Secured-debt negotiator or purely commercial adviser","Unresolved at boundaries","Chapter 7 is not expressly confined to unsecured debts, but the individual/consumer-credit language and specific activity must be tested."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Requirement","Operative rule","What remains unknown"],["Legal form","Nonprofit, nonstock corporation organized under the applicable Guam corporate law","Current organizational forms, filings, and the effect of subsequent corporate-law amendments"],["Distribution of profits","Agency cannot operate for profit or distribute net earnings/assets except as appropriately necessary to accomplish its statutory purposes","How present administrators evaluate compensation and related-party arrangements"],["Judicial Council approval","Chairman's approval must be endorsed on or annexed to the certificate of incorporation","Current approval workflow and documentary criteria"],["Membership","At least 10 members","Current administrative verification procedures"],["Pre-activity notice","Before credit counseling, provide Administrator agency/trade names, principal and other office addresses, and officer/director names and addresses","Whether a prescribed form or supplementary evidence is now required"],["Bond","$5,000 bond, with qualifying surety or sureties, approved by Administrator","Current bond form, approved sureties, renewal/replacement procedure"],["Records","Preserve books, accounts, and records for at least two years after the final entry for the recorded transaction","Any valid additional recordkeeping duties imposed elsewhere"],["Fees","Submit a fee schedule to Administrator; charges must fit the agency's nonprofit nature and be reasonable under § 7109(4)","No numerical schedule or agency-approved consumer fee obtained"],["Debtor funds","No commingling with agency's own money or property; maintain a separate account for debtor funds held for creditors","Bank location, reconciliation intervals, insolvency treatment, and whether every possible custodial arrangement is permitted"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[]],"rows":[["Layer","When it may apply","Fee/term/agency","Key limitation"],["General Guam business license","Conduct constituting doing business in Guam under 11 GCA Division 3","DRT; applicable business classification and fee, not calculated in this pass; generally annual, with location-specific requirements","§ 70103(e) has exclusions, including certain interstate-commerce and order-solicitation activities; one must test the exact activity."],["Guam telephonic-seller registration","Telephone-sales program actually satisfying 5 GCA § 32301, after its exceptions","Attorney General; $50 initial filing, not less than 10 days before doing business; $50 annual renewal, with one-year term","§ 32301 excludes several situations—including consumer-initiated/requested calls and transactions later reduced to a consumer-signed writing—creating important, unusually broad scope and interpretation questions."],["Chapter 7 authorized-agency notice and bond","Person relying on § 7103(1)","Administrator; notice before service, $5,000 bond, submitted fee schedule","Does not itself replace the other applicable layers."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Fact pattern","Guam Chapter 7","Guam Article 3 telemarketing","FTC TSR","CROA / CFPB"],["Guam nonprofit DMP taking debtor payments, no phone sales","Strong Chapter 7 fit","No phone program shown","No TSR telemarketing established","CFPB Title X may apply to consumer debt management; CROA only if its representations/activity fit"],["Out-of-territory paid negotiator calling Guam card debtors","Strong substantive Chapter 7 concern; territorial reach unresolved","Explicit solicitation-into-Guam nexus, subject to § 32301 exclusions","Potentially covered if qualifying interstate campaign and no applicable exemption","Depends on credit-repair claims; CFPB consumer-purpose and other tests"],["Purely online self-service education, no personal negotiation or fund custody","Fact-specific, possibly outside provider definition","No covered telephone program shown","No TSR telemarketing shown","Personalized financial advice, CROA claims, and CFPB treatment require distinct checks"],["Lawyer personally advising own client in Guam practice","Chapter 7 attorney exception","No automatic Article 3 attorney exception located","No automatic TSR attorney exception","CROA tests separately"],["Licensed lender issuing a genuinely new debt-consolidation loan","Primarily lending, not automatically Chapter 7 counseling","Sales channel still relevant","Debt-relief classification depends on actual representations; advance-fee loan rule may matter","Lending is expressly a CFPB financial-product category; separate lending licenses are outside this pass"],["Third-party collector demanding payment on its client's debt","Not automatically debtor-side counseling","Debt-relief-sale Article 3 classification not established by collection alone","Not necessarily a seller of debt-relief services","Collector regulation is a separate queued dimension"],["Business debtor with a business-purpose loan","Chapter 7's “individuals” gateway remains unresolved","Article 3 consumer terminology and facts must be tested","General business-to-business exception may apply","CFPB consumer-purpose and CROA individual-credit conditions may defeat coverage"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Potential violation","Actual located consequence","Important boundary"],["Willful violation of 14 GCA Chapter 7","Misdemeanor, § 7112","Willfulness is required. Chapter 7 does not independently set a private damages multiplier or say an underlying creditor debt disappears."],["Applicable unlicensed Guam business activity","General business-license misdemeanor and conditional administrative/court consequences under 11 GCA §§ 70119–70131","Only where the general business-license law actually applies; statutory exclusions and required process matter."],["Covered Guam telephonic seller failing registration","Attorney General may seek up to $5,000 per violation, injunctive relief, § 32307","Distinct from Chapter 7's $5,000 bond. Registration violation is a deceptive practice under § 32308."],["Covered Guam telemarketing sale contrary to Article 3","Certain charges cannot be collected and collected charges must be returned, § 32305","Applies to the covered telemarketing sale, not all debts owed to unrelated creditors."],["Deceptive sales practices","Guam DTPA remedies, including qualifying private actions, restitution, injunction, damages, attorney's fees and costs","Must prove standing, covered conduct, necessary notice, reliance/damage where required, and remedy predicates."],["Attorney General DTPA enforcement","Potential court-imposed civil penalty up to $5,000 per violation; separate maximum $10,000 for an injunction violation","Not an automatic administrative fine and not a consumer's fixed recovery."],["Federal TSR violation","FTC/CFPB and qualifying territorial public enforcement; constrained federal private action","The statutory private TSR cause requires a pattern or practice and over $50,000 actual damages per affected person in controversy, among other conditions."],["CROA violation","FTC enforcement and express qualifying private civil liability","Only a covered credit-repair organization/activity; contract voidness concerns its service agreement."]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Question","Application","Result"],["Is this the company's own debt?","No. It is being paid to act for the debtor with an existing creditor.","Analyze debtor-side provider regulation, not merely original-creditor activity."],["Does Guam Chapter 7 matter?","Negotiating repayment arrangements and handling debtor funds can fall within the conduct described in 14 GCA §7102(1), depending on the actual service.","Likely classification concern; the precise cross-border reach of that chapter remains unresolved."],["Is a home-state license sufficient?","No general Guam reciprocity was found in the operative Chapter 7 provisions read.","Do not treat the foreign license as a Guam authorization."],["Does attorney supervision cure the problem?","Attorney-related language must be tested against its actual statutory predicates. Supervision alone is not an identified blanket exemption.","No automatic cure."],["Is a Guam general business license necessarily required?","11 GCA §§70103(e) and 70130 contain separate Guam-business and excluded-activity rules. The interstate solicitation/contract-acceptance facts matter.","Fact-dependent; unresolved on these assumptions."],["Does Guam telephonic-seller registration apply?","5 GCA §§32301–32302 expressly discuss soliciting persons located in Guam, but §32301 has consumer-initiated, written-contract, meeting, and prior-relationship exclusions.","Potentially, subject to exclusion and sequencing analysis."],["Does the FTC TSR apply?","Three interstate sales calls satisfy the more than one interstate call element, assuming they are part of the specified telemarketing campaign and the remaining seller/telemarketer criteria are met.","Potentially; check every §310.6 exclusion."]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Debt","Balance on enrollment"],["Card A","$4,000.00"],["Card B","$6,000.00"],["Card C","$10,000.00"],["Total","$20,000.00"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID / checked","Issuer, exact authority, version/effective information","Full literal direct URL","Access; exact bounds and limitations"],["J_GU-P01-S001 / 26 Oct","Guam Compiler of Laws, 1 GCA §§100–102; online compilation dated March 18, 2024","https://col.guamcourts.gov/sites/default/files/1gc001.pdf","Operative text extracted; print pp. 1–3 / PDF P0–P2 of five-page file. Institutional codification rules, not confirmation that every 2026 enactment is incorporated."],["J_GU-P01-S002 / 26 Oct","Guam Compiler of Laws, official portal and update notices; compilation status as displayed","https://col.guamcourts.gov/","Opened HTML index/home. Update references require reconciliation with subsequently enacted laws; homepage publication date is not a legal effective date."],["J_GU-P01-S003 / 26 Oct","Guam Legislature, public-laws index, including listed 38th Legislature enactments through P.L. 38-145, dated October 17, 2026 in the list","https://guamlegislature.gov/public-laws/","Opened official HTML enactment index. Discovery/index only for individual public-law substance: underlying text of every potentially relevant later law was not read."],["J_GU-P01-S004 / 26 Oct","Guam Compiler, Table of Code Sections Affected, 38th Legislature through P.L. 38-133","https://col.guamcourts.gov/sites/default/files/TOCSA%2038-133.pdf","Opened and examined code-section table; print pp. 1–6 / PDF P0–P5. Bounded search of Titles 5, 11, 14. It does not resolve laws enacted after P.L. 38-133 or unindexed changes."],["J_GU-P01-S005 / 26 Oct","Guam Compiler, 14 GCA Chapter 7, §§7101–7113, Nonprofit Consumer Credit Counseling Agencies; displayed COL120106; original enactment P.L. 9-253, September 4, 1968, effective June 30, 1969 per code annotation","https://col.guamcourts.gov/sites/default/files/14gc007.pdf","Complete operative chapter body extracted and read earlier this same research pass: print pp. 1–5 / PDF P0–P4; §§7101–7113 and exceptions. A subsequent repeated opening produced an intermittent tool-access error; no claim of pixel review or independently verified post-2006 consolidation."],["J_GU-P01-S006 / 26 Oct","Guam Compiler, 14 GCA Chapter 1, including §§1201, 1301; displayed COL070307","https://col.guamcourts.gov/sites/default/files/14gc001.pdf","PDF text extracted; read relevant definition/scope passages print pp. 8–11 / PDF P7–P10 within 14-page document. Old compilation; later amendments not independently ruled out."],["J_GU-P01-S007 / 26 Oct","Guam Courts former official URL, 14 GCA Chapter 6, including indexed §§6102–6113; status of specific operative wording unverified","https://guamcourts.gov/CompilerofLaws/GCA/14gca/14gc006.PDF","Not opened: direct URL inaccessible. Search-index excerpts discovered §6102 and §§6103–6104; excerpts are discovery only. Printed pages / PDF index: not verified. Do not treat wording about the Administrator or enforcement as independently established operative law."],["J_GU-P01-S008 / 26 Oct","Guam Compiler, 15 GAR, savings-and-loan/consumer-credit administrative material including §2101(a); source marked 1997","https://col.guamcourts.gov/sites/default/files/15GAR001-1_2.pdf","PDF text extracted; print pp. 1–4 / PDF P0–P3, with §2101(a) on print p. 2 / P1. Historic agency-role evidence; not proof of a current, specialized Chapter 7 license regulation."],["J_GU-P01-S009 / 26 Oct","Guam Compiler, 11 GCA Chapter 1, §§1103–1106, Department of Revenue and Taxation functions; compilation April 30, 2024","https://col.guamcourts.gov/sites/default/files/11gc001.pdf","Operative text extracted; relevant sections print pp. 1–3 / PDF P0–P2. Agency-function law; does not substitute for a Chapter 7-specific issuing rule."],["J_GU-P01-S010 / 26 Oct","Guam Compiler, 11 GCA Chapter 70, §§70101–70134, General Business License Law; compilation December 23, 2025; section annotations give distinct enactment/effective dates","https://col.guamcourts.gov/sites/default/files/11gc070.pdf","Operative PDF text opened; print pp. 1–11 / PDF P0–P10 selectively, including §§70103, 70109–70121, 70126, 70130–70131. §70131(e) appears at print p. 11 / P10. Other chapter provisions not comprehensively adjudicated."],["J_GU-P01-S011 / 26 Oct","Guam Compiler, 30 GAR, general business-license regulations; document identified as 1997 compilation","https://col.guamcourts.gov/sites/default/files/30GAR002-5_8.pdf","PDF text/index opened, print pp. 1–2 / PDF P0–P1 of 13 pages. Partial read, not verification of a current debt-counseling filing procedure or fee."],["J_GU-P01-S012 / 26 Oct","Guam Compiler, 5 GCA Chapter 32, Guam Deceptive Trade Practices–Consumer Protection Act, Articles 1–3; compilation October 29, 2021; individual sections show enactment histories","https://col.guamcourts.gov/sites/default/files/5gc032.pdf","Operative PDF body extracted; selected provisions §§32103–32114, 32120, 32127, 32201, 32301–32308 read across print pp. 1–43 / PDF P0–P42 of 66-page file. §32301 print pp. 36–37 / P35–P36; §32302 print p. 37 onward / P36 onward. Not a full post-2021 amendment reconciliation."],["J_GU-P01-S013 / 26 Oct","Guam Office of the Attorney General, Consumer Protection Division public complaint and information portal","https://guamattorneygeneral.org/consumer-protection/","Opened official HTML agency guidance, not controlling statute. Current page contains some later-dated material; that material was not adopted as an October 26 event."],["J_GU-P01-S033 / 26 Oct","Guam Department of Revenue and Taxation, public business-license help/renewal page","https://www.guamtax.com/help/help_biz.html","Opened official HTML instructions. This is not a verified public, Chapter 7-specific, unauthenticated license lookup. No account accessed or license queried."],["J_GU-P01-S036 / 26 Oct","Guam Compiler, Guam Administrative Rules and Regulations title/index gateway","https://col.guamcourts.gov/guam-administrative-rules-regulations/guam-administrative-rules-and-regulations","Opened official HTML index; reviewed relevant title locations, including consumer-credit and business-license-related categories. Not equivalent to a complete text search of all current administrative rules."],["J_GU-P01-S037 / 26 Oct","Guam Bureau of Statistics and Plans, Business License and Permit Center agency gateway","https://bsp.guam.gov/blpc/","Opened official HTML. General business-license process context only; no specialized authorization inferred."],["J_GU-P01-S041 / 26 Oct","Guam Compiler, 31 GAR Office of Consumer Counsel material; indexed publication 1997","https://col.guamcourts.gov/sites/default/files/31GAR001-1_2.pdf","PDF text opened; 12-page file; selected index/procedural content, especially print pp. 1–2 / PDF P0–P1. Not affirmative authority for a Chapter 7 provider licensing regime."],["J_GU-P01-S042 / 26 Oct","Guam Compiler, Guam Code Annotated title/chapter index; lists 14 GCA Chapter 7","https://col.guamcourts.gov/guam-code-annotated/guam-code-annotated","Opened official HTML index and chapter links. Identifies repository and classifications; the index's compilation cutoff is not identical to the legislature's latest enacted-law list."]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID / checked","Issuer, exact authority, version/effective information","Full literal direct URL","Access; exact bounds and limitations"],["J_GU-P01-S014 / 26 Oct","Office of the Federal Register/eCFR, 16 CFR §310.2(o), (ff), (ii), TSR debt-relief, geographic and campaign definitions. eCFR shows Title 16 current through October 22, 2026, last title amendment October 19","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Opened operative HTML section; no PDF pages. eCFR is authoritative but unofficial; rules have provision-specific effective histories."],["J_GU-P01-S015 / 26 Oct","eCFR, 16 CFR §310.3(a)(1), (a)(2), prepayment debt-relief representations, disclosures and misrepresentations; same October 22 display","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Opened operative HTML section, focusing on §310.3(a)(1)(viii)(A)–(D) and (a)(2)(x); no PDF pages."],["J_GU-P01-S016 / 26 Oct","eCFR, 16 CFR §310.4(a)(2), (a)(5)(i)–(ii), telemarketed credit-repair and debt-relief fees/account requirements; October 22 display","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Opened complete operative HTML section; exact debt provisions §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E). No PDF pages."],["J_GU-P01-S017 / 26 Oct","eCFR, 16 CFR §310.6(b), TSR exemptions and inbound/advertising carve-backs; October 22 display","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Opened operative HTML section, especially §310.6(b)(3)–(7); no PDF pages."],["J_GU-P01-S018 / 26 Oct","U.S. House Office of Law Revision Counsel, 15 USC §6106(3)–(4), federal telemarketing definitions, including “State”; current U.S. Code release displayed through P.L. 119-121, October 9, 2026","https://uscode.house.gov/us/usc/119-121/t15/s6106/","Opened operative HTML statute, whole section; no PDF pages."],["J_GU-P01-S019 / 26 Oct","OLRC, 15 USC §44, Federal Trade Commission Act territorial commerce and corporation definitions; displayed through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t15/s44/","Opened operative HTML statute, relevant definitions; no PDF pages. Nonprofit legal-form and actual-operation issues remain fact-dependent."],["J_GU-P01-S020 / 26 Oct","OLRC, 12 USC §5481(4), (5), (15)(A)(viii), (27), CFPB geography and financial-product/service definitions; through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t12/s5481/","Opened operative HTML statute, whole relevant definitions; no PDF pages. Establishes a gateway, not an automatic license or private claim."],["J_GU-P01-S021 / 26 Oct","OLRC, 15 USC §1679a, Credit Repair Organizations Act (CROA) definitions and enumerated exceptions; displayed release through P.L. 119-120","https://uscode.house.gov/us/usc/119-120/t15/s1679a/","Opened operative HTML statute, entire definition/exemption provision; no PDF pages."],["J_GU-P01-S022 / 26 Oct","OLRC, 15 USC §1679b, CROA prohibited practices and advance fees; displayed through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t15/s1679b/","Opened operative HTML statute, whole section; no PDF pages."],["J_GU-P01-S023 / 26 Oct","U.S. Government Publishing Office, 15 USC §1679c, CROA precontract disclosure and signed-copy retention","https://www.govinfo.gov/link/uscode/15/1679c","Official U.S. Code PDF text, printed p. 1553 / PDF P0 of returned section file. Extraction only, no pixel review; edition year not independently resolved from opened section, so confirm version before publication."],["J_GU-P01-S024 / 26 Oct","OLRC, 15 USC §1679d, CROA written-service-contract prerequisites; through P.L. 119-120","https://uscode.house.gov/us/usc/119-120/t15/s1679d/","Opened operative HTML statute, full section; no PDF pages."],["J_GU-P01-S025 / 26 Oct","OLRC, 15 USC §1679e, CROA cancellation notice and three-business-day right; through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t15/s1679e/","Opened operative HTML statute, full section; no PDF pages."],["J_GU-P01-S026 / 26 Oct","OLRC, 15 USC §1679f, CROA noncompliant contracts and antiwaiver; through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t15/s1679f/","Opened operative HTML statute, full section; no PDF pages. Does not cancel an independent underlying debt."],["J_GU-P01-S027 / 26 Oct","OLRC, 15 USC §1679g, CROA civil-liability measures and attorney-fee predicates; through P.L. 119-121","https://uscode.house.gov/us/usc/119-121/t15/s1679g/","Opened operative HTML statute, full section; no PDF pages."],["J_GU-P01-S028 / 26 Oct","OLRC, 15 USC §1679h, CROA FTC/state official enforcement; displayed through P.L. 119-120","https://uscode.house.gov/us/usc/119-120/t15/s1679h/","Opened operative HTML statute, whole section; no PDF pages. Separate geographic/enforcement definitions need verification before attributing a specific §1679h action to Guam's AG."],["J_GU-P01-S029 / 26 Oct","GPO, 15 USC §§6103–6104, federal telemarketing civil enforcement, state-attorney-general and private-suit provisions","https://www.govinfo.gov/link/uscode/15/6104","Official U.S. Code PDF text, printed pp. 2222–2223 / PDF P0–P1 of returned file; text extracted, not pixel-reviewed. Edition year not independently resolved in section output."],["J_GU-P01-S030 / 26 Oct","GPO, 2023 U.S. Code, Title 48, §§1424, 1424-1–1424-3, Organic Act and Guam court structure","https://www.govinfo.gov/content/pkg/USCODE-2023-title48/pdf/USCODE-2023-title48.pdf","2023 historical statutory edition, not asserted current through 2026. Relevant printed pp. 115–117 / PDF P114–P116 in 367-page Title 48 PDF; machine text extracted, not pixel-reviewed."],["J_GU-P01-S031 / 26 Oct","U.S. District Court of Guam, Bankruptcy Division, citing Organic Act 48 USC §1424(b)","https://www.gud.uscourts.gov/bankruptcy-division","Opened official HTML court guidance. Bankruptcy-jurisdiction gateway only, not ordinary provider approval."],["J_GU-P01-S032 / 26 Oct","U.S. Trustee Program, district-filtered credit-counseling query","https://www.justice.gov/ust/credit-counseling-by-district/district-of-Guam","Opened HTML query view; it returned an empty/“no providers matching” result on this path. Do not infer there are no federally approved Guam-serving agencies; see the separately opened official state/territory list S044."],["J_GU-P01-S043 / 26 Oct","eCFR, 16 CFR §310.5(a)–(g), TSR recordkeeping; displayed current through October 22, 2026, source note 89 FR 26784 (April 16, 2024)","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5","Opened complete operative HTML section, including five-year triggers, manual-call exception, UTC timestamps, §310.5(d) error defense, (e) outsourced records, (f) succession; no PDF pages."],["J_GU-P01-S044 / 26 Oct","U.S. Department of Justice, U.S. Trustee Program, Credit counseling agencies — Guam","https://www.justice.gov/ust/credit-counseling-by-state/Guam","Opened official HTML public approval list, including delivery methods. No entity-specific inquiry. The visible list is for the federal bankruptcy counseling system, not Guam Chapter 7 provider registration."]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Source ID / checked","Issuer, exact authority or resource","Full literal direct URL","Access; exact bounds and limitations"],["J_GU-P01-S034 / 26 Oct","Guam Bar Association, Civil Indigent Legal Assistance Reference Guide, page dated March 7, 2025","https://guambar.org/civil-indigent-legal-assistance-reference-guide","Opened HTML public resource; eligibility and services require separate verification. No contact made."],["J_GU-P01-S035 / 26 Oct","Guam Judiciary, Find a Lawyer / assistance public resource","https://guamcourts.gov/quick-assist/quick-assist/find-lawyer","Opened HTML public resource; not attorney endorsement or provider license verification."],["J_GU-P01-S038 / 26 Oct","Guam Judiciary, Supreme Court opinions index","https://guamcourts.gov/courts-council/supreme-court/opinions","Opened HTML case index; bounded public-index searches for 14 GCA § 7103, 14 GCA § 7111, and credit counseling agency produced no squarely on-point decision located. Not exhaustive; not a representation that none exists."],["J_GU-P01-S039 / 26 Oct","Guam Judiciary, Superior Court decisions and orders index","https://guamcourts.gov/courts-council/superior-court/decisions-and-orders","Opened HTML index. No exhaustive docket search or review of unpublished/provider-specific proceedings."],["J_GU-P01-S040 / 26 Oct","Guam Judiciary, official search interface","https://www.guamcourts.gov/Search/search.html","Opened but search body was not extractable through the tool. No court-wide negative finding inferred."],["J_GU-P01-S045 / 26 Oct","U.S. District Court of Guam, Filing Bankruptcy public resource and official U.S. Trustee links","https://www.gud.uscourts.gov/filing-bankruptcy","Opened official HTML; “Pre-petition” approved-credit-counselor link and separate “Post-petition” education link. Scope is bankruptcy information only."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID / project","Substantive claim and precise source pinpoint","Applicability, exceptions, consequence, confidence"],["J_GU-P01-C001 / A066","Guam's official code/source architecture and legal-status conventions appear in S001, 1 GCA §§100–102, and S002/S042.","Territorial law, checked Oct 26. High for the opened source architecture; amendments after any compilation cutoff still require checking."],["J_GU-P01-C002 / A066","The Legislature's public-laws index S003 reaches later enactments than the bounded S004 section-affected table; S005 carries an older COL120106 legend and S012 an October 2021 legend.","Partial currentness. Neither an update stamp nor a missing table entry proves that no later effective amendment exists. Consequence: publication hold on the unqualified word “current.”"],["J_GU-P01-C003 / A066","Guam local Supreme/Superior Court structure and the federal District Court of Guam arise through S001 and the Organic Act, S030, 48 USC §§1424–1424-3; public court indexes S038–S040 are narrower research gateways.","High on statutory court structure as read; partial 2026 amendment/precedential routing validation because S030 is the 2023 edition. Territorial adjudication, federal jurisdiction, and agency enforcement are different tracks."],["J_GU-P01-C004 / A066","The telemarketing statute defines “State” to include Guam, S018, 15 USC §6106(3); FTC Act commerce refers to a Territory, S019, §44; the CFPB's distinct definition expressly includes Guam, S020, 12 USC §5481(27).","High for these particular federal gateways. Each statute must pass its own coverage test; geographic inclusion alone does not make every federal law applicable."],["J_GU-P01-C005 / A066","The District Court of Guam exercises bankruptcy jurisdiction under 48 USC §1424(b), S030/S031; bankruptcy-approved counseling has its own U.S. Trustee path, S044/S045.","High, bankruptcy gateway only. Does not confer ordinary Guam debt-relief-provider authorization or resolve substantive bankruptcy law."],["J_GU-P01-C006 / A066","S005, 14 GCA §7102(1), print p. 1/P0: credit counseling includes specialized counseling for individuals facing credit-related economic hardship, acting as their agents to resolve it, or receiving their money/property to distribute to creditors.","High as to text. The three statutory branches matter independently; a negotiator need not operate a classic DMP to trigger classification. Actual territorial nexus is partial."],["J_GU-P01-C007 / A066","S005, §7102(2)(a)–(e), print pp. 1–2/P0–P1: excludes free employer-employee counseling; qualifying other-purpose nonprofit free/nominal counseling; certain creditor-related no-direct-fee services/disbursement; title-company escrow; and qualifying broader financial/property management not primarily aimed at liquidation of existing debt.","High for enumerated predicates. These are activity exclusions, not wholesale exemptions by job title, charitable label, or creditor affiliation."],["J_GU-P01-C008 / A066","S005, §7103, print p. 2/P1 prohibits engaging in/holding out the business of credit counseling outside five categories: Chapter 7 agencies; practicing attorneys rendering legal services; court-directed actors; constituted nonprofit legal aid bureaus; or substantially government-financed persons within grant/appropriation terms.","High for text. An ordinary for-profit settlement seller has no express generic exemption here. Attorney supervision alone does not meet the statutory description. Application to wholly remote activity remains partial."],["J_GU-P01-C009 / A066","S005, §§7104–7105, print pp. 2–3/P1–P2: Chapter 7 agency must have specified nonprofit/nonstock organization and non-inurement; certificate of incorporation requires Chairman of Guam Judicial Council approval; at least 10 members.","High for statutory predicates. Merely being tax-exempt or accredited is insufficient to prove Chapter 7 formation compliance. Actual current administrative implementation: partial."],["J_GU-P01-C010 / A066","S005, §§7106–7108, print p. 3/P2: agency gives Administrator its intention notice identifying names/offices/officers/directors; files a $5,000 surety bond; retains books/accounts/records for at least two years after final transaction entry.","High for statutory amounts/trigger. Bond is security, not a consumer service charge or evidence of full claim recoverability. No Chapter 7 online filing/lookup verified."],["J_GU-P01-C011 / A066","S010, 11 GCA §§70103(c),(e), 70115–70121, 70126, 70130: general Guam business-license provisions apply when their business/nexus predicates are met, with enumerated excluded activities, annual licensing and location rules. S009, §§1103–1106, identifies DRT functions.","High on text; partial on particular remote provider. General business licensing and Chapter 7's special status are separate."],["J_GU-P01-C012 / A066","S012, 5 GCA §32302(a) expressly reaches sellers soliciting prospects located in Guam; §32103(p) addresses trade directly or indirectly affecting Guam people. S005 does not expressly resolve every nonresident or online nexus.","High for express phone-seller/DTPA language; hold on extending the Chapter 7 prohibition to every remote transaction by analogy."],["J_GU-P01-C013 / A066","S012, §32301(a), print pp. 36–37/P35–P36 defines telemarketing with exclusions for qualifying personal discussions, consumer-initiated/requested calls, later signed contracts, and certain business dealings/negotiations within the preceding 18 months.","High for text. The unusual later-written-contract exclusion may create a sequencing issue with §32304's written-contract rule; its application is unresolved, not ignored."],["J_GU-P01-C014 / A066","S012, §§32302(a)–(d), 32306: covered telephonic seller files with Guam AG at least 10 days before Guam business and pays an agency $50 filing fee; registration runs one year and annual renewal costs $50; material-change updates generally within 10 days, with quarterly salesperson treatment.","High, conditioned on §32301 classification. This is a government filing fee, not a consumer debt-settlement fee; nonresident information/service details in §32306 apply where triggered."],["J_GU-P01-C015 / A066","S012, §§32303–32305: applicable telephonic sales carry statutory consumer-notice and signed/delivered contract requirements and an uncollectible-charge consequence for an Article 3 violation.","High for text; partial for the precise transaction given §32301's exclusions. The affected charge is not automatically the consumer's underlying debt to an unrelated creditor."],["J_GU-P01-C016 / A066","S012, §§32307–32308: applicable Article 3 violations have public enforcement and deceptive-practice consequences, including the provision's up-to-$5,000 civil-penalty ceiling where its predicates apply.","High for the statute; cannot automatically infer consumer standing, per-violation aggregation, or the precise penalty in an actual case."],["J_GU-P01-C017 / A066","S008, 15 GAR §2101(a) historically identifies the Savings and Loan Commissioner as UCCC Administrator; S007, 14 GCA §6103 was search-index discovery only; S009 assigns DRT financial functions.","Partial / HOLD: operational identity, delegation, and current Chapter 7 acceptance process need a readable current Chapter 6 and controlling administrative materials. No claim of a separately issued “debt-settlement license.”"],["J_GU-P01-C018 / A066","S007 indexes 14 GCA Chapter 6 §§6102–6113, a possible UCCC administration/complaint/examination framework, but its operative body was inaccessible. S005, §§7106–7111 establishes narrower agency-facing duties.","Unresolved: precise Chapter 6 examination powers, administrative procedure, sanctions, appeals, and records authority are not established from index excerpts."],["J_GU-P01-C019 / A066","S005, §§7109(4),(9), 7111, print pp. 4–5/P3–P4: Chapter 7 agency may charge reasonable fees for described services, including prospective services, and solicit contributions; its fee schedule must be submitted to Administrator and remain consistent with nonprofit function.","High for these provisions. No numerical dollar or percentage cap is stated in the entire Chapter 7 text reviewed. This is a bounded observation, not authorization for any rate, disguised donation, or an advance fee prohibited by independently applicable federal law."],["J_GU-P01-C020 / A066","S005, §7110, print p. 4/P3: Chapter 7 agency must not commingle debtor money/property with its own and must hold creditor-benefit money in a separate account until authorized disbursement, including any agency fee.","High for segregation. Chapter 7 text reviewed does not prescribe all account-insurance, reconciliation, insolvency, or time-to-refund details requested."],["J_GU-P01-C021 / A066","S005, complete §§7101–7113 does not itself prescribe a comprehensive standard-form contract, general consumer rescission countdown, translation rule, or standalone fixed refund deadline.","High only as a bounded reading of Chapter 7. Do not generalize to absence under all Guam/federal rules or the contract. Statutory and negotiated rights must be checked independently."]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID / project","Substantive claim and exact source pinpoint","Applicability, exceptions, consequence, confidence"],["J_GU-P01-C022 / A066","S014, 16 CFR §310.2(o),(ff),(ii) defines covered debt-relief services, Guam as a geographic “State” for TSR purposes, and the qualifying campaign; S018, 15 USC §6106(3)–(4) supplies statutory geography.","High for definitions; conditional on telemarketing campaign, covered conduct, commerce and exclusions. Debt relief can include DMP/restructuring as well as lump-sum settlement."],["J_GU-P01-C023 / A066","S017, §310.6(b)(3)–(7) distinguishes qualifying in-person, wholly unsolicited inbound, advertisement/direct-mail inbound, and business-call exceptions; debt-relief advertising/direct-mail calls are expressly carved back. S019, 15 USC §44 affects FTC nonprofit jurisdiction.","High for rule text; fact-dependent. A caller's inbound status, a nonprofit label, and an attorney affiliation are not universal TSR exemptions. Some exempt calls remain subject to specified requirements."],["J_GU-P01-C024 / A066","S015, §310.3(a)(1)(i)–(iii),(viii)(A)–(D), (a)(2)(x): covered seller must disclose relevant total charges, restrictions, cancellation policy, settlement timing, required accumulated funds, nonpayment risks, and special account ownership/withdrawal rights; debt-relief disclosures precede enrollment.","High. Advertising outcomes, success rates, nonprofit character and credit effects cannot be materially misrepresented. Specific statements are conditional on actual offered method."],["J_GU-P01-C025 / A066","S016, §310.4(a)(5)(i)(A)–(C): no covered debt-relief service fee until a valid executed creditor/customer debt change and a customer payment under it; for individually resolved debts, fees follow either required balance proportionality or the same savings percentage.","High, conditional on TSR. No federal fee amount or “20% cap” is enacted here. Amount and time are distinct tests; charging prematurely violates the rule even if eventual fee size would pass a formula."],["J_GU-P01-C026 / A066","S016, §310.4(a)(5)(ii)(A)–(E): allowed dedicated reserve arrangement requires insured financial institution, customer ownership and interest, independent administrator without prohibited referrals, and penalty-free withdrawal with refundable funds returned within seven business days of request.","High; only if this federal reserve-account framework applies. An account balance is not an earned fee or a creditor settlement. No exact calendar date asserted."],["J_GU-P01-C027 / A066","S016, §310.4(a)(2)(i)–(ii): separate timing ban on fees for telemarketed services represented to improve/remove derogatory credit information until represented service period ends and specified later consumer-report documentation exists.","High, only when the service makes covered credit-repair claims. Does not automatically attach to a purely debt-negotiation-only service."],["J_GU-P01-C028 / A066","S021, 15 USC §1679a, CROA: credit-repair organization turns on services/representations for improving consumer-report history/rating or related credit advice for payment, using interstate commerce/mails; enumerated exceptions include actual §501(c)(3)-qualified nonprofits, specified creditors and institutions.","High for statutory text. Actual tax-exempt predicate required. Generic debt settlement or nonprofit label does not prove CROA inclusion or exclusion."],["J_GU-P01-C029 / A066","S023/S024, 15 USC §§1679c–1679d: covered credit-repair providers have a prescribed precontract rights disclosure and a written contract with specific service, payment and performance/cancellation terms before services; §1679c specifies retention of signed acknowledgment.","High for provisions; S023 edition-date reconciliation partial. Applicable only if CROA provider/service test passes."],["J_GU-P01-C030 / A066","S022, 15 USC §1679b(b): a covered CRO may not demand/receive money before the agreed services have been fully performed.","High. Separate from—and potentially more restrictive than—the TSR debt-relief fee-release mechanism when a business offers overlapping services."],["J_GU-P01-C031 / A066","S025, 15 USC §1679e: CROA grants the covered customer cancellation until midnight of the third business day after contract execution, with prescribed notice form.","High for statute; no actual cancellation date computed without execution time and controlling day-count facts. It is not a universal Guam Chapter 7 right."],["J_GU-P01-C032 / A066","S026–S028, 15 USC §§1679f–1679h: CROA addresses offending credit-repair contracts, consumer civil recovery and public enforcement, subject to provision-specific predicates and defenses.","High for opened text; partial on Guam officer's exact §1679h “State” authorization. Contract consequence concerns credit-repair agreement, not the independent debt owed a creditor."],["J_GU-P01-C033 / A066","S020, 12 USC §5481(4),(5),(15)(A)(viii),(27) defines CFPB consumer-financial-service and debt-settlement/credit-counseling gateways and includes Guam.","High for definitions. Does not by itself establish a blanket Guam provider license, fee cap, enforcement suit, or individual damages cause."],["J_GU-P01-C047 / A066","S043, 16 CFR §310.5(a)–(g): covered sellers/telemarketers retain prescribed records generally five years, with special trigger rules, a manual-single-number-call field exception, prescribed time formats, conditioned errors defense, and seller/telemarketer allocation and succession duties.","High for operative rule. Apply only if TSR governs and applicable record category is triggered; not an override of Guam §7108's distinct two-year minimum."]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID / project","Substantive claim and exact source pinpoint","Applicability, exceptions, consequence, confidence"],["J_GU-P01-C034 / A066","S012, 5 GCA §§32103(a),(d),(k),(o),(p), 32201(b)(22),(25),(27): Guam consumer/deceptive-trade framework covers qualifying services and business consumers except specified $25 million asset cases and includes unauthorized-activity/deceptive-result/FTC-rule intersections.","High for text. Business-purpose transactions are not universally excluded from Guam DTPA; precise merchant, consumer and exemption facts remain necessary."],["J_GU-P01-C035 / A066","S012, §§32109–32114, 32120: conditioned consumer civil claims, costs/fees and damage measures; §32110's 30-day pre-suit demand applies in its specified private-damages setting; §32120 addresses a covered provider-service sale's enforceability on its own predicates.","High on text; partial on litigation-specific damage/notice application. None of these provisions automatically voids an independent credit-card balance or existing judgment."],["J_GU-P01-C036 / A066","S005, §7112 makes willful Chapter 7 violation a misdemeanor; S010, §§70119–70120 separately concerns general business-license offenses/discipline; S012, §§32127, 32307 supplies specified Guam AG civil-penalty avenues.","High for cited provisions. Criminal, administrative, government civil and privately recoverable remedies are separate. No automatic restitution/cancelled debt inferred."],["J_GU-P01-C037 / A066","S029, 15 USC §§6103–6104 provides statutory federal telemarketing public and narrowly conditioned private enforcement, including §6104's more-than-$50,000 actual-damages-per-person gate, pattern/practice, and timing restrictions.","High for read section; partial on precise Guam official's authority under §6103 without separate status analysis. Ordinary single-contract disputes do not automatically meet §6104."],["J_GU-P01-C038 / A066","S013, S033–S037, S044–S045 identify Guam AG consumer-complaint information, business-license administration, legal-assistance gateways and distinct federal bankruptcy counseling list.","High as a description of opened public portals. No authenticated, public Chapter 7 roster/license-lookup procedure located or used; absence of a located feature is not proof of no roster."],["J_GU-P01-C039 / A066","S038–S040 and bounded public web searches using the exact provider-statute citations did not locate a squarely on-point published provider enforcement or controlling merits decision in this pass.","Limited negative search, not a statement that no litigation, enforcement, unpublished order, or interpretation exists. Court-search interface could not be fully queried."],["J_GU-P01-C040 / A066","S002–S005, S012, S030, S042 show different source-version cutoffs: Chapter 7 older compilation, 2021 Guam DTPA, 2023 federal Title 48 print, 2026 enactment index.","Partial/HOLD against blanket latest-law certification. Enactment, signature, legal effective date, online incorporation, and prospective implementation are different facts."],["J_GU-P01-C041 / A066","S005, §§7102(1), 7109(2)–(4), 7110; S016, §310.4(a)(5)(i) distinguishes debtor-money distribution, negotiated individual settlements and creditor agreements.","High for legal structural difference. A service-provider contract does not itself bind a creditor, discharge debt, or assure participation. Creditor assent and payment conditions control actual changes."],["J_GU-P01-C042 / A066","S005, §§7102(2), 7103–7105; S019, 15 USC §44; S021, §1679a; S017, §310.6 contain different nonprofit, attorney, creditor and business classifications/exemptions.","High for texts; application fact-dependent. Nonprofit status, attorney work, CROA §501(c)(3), and FTC jurisdiction cannot be collapsed into one universal exemption."],["J_GU-P01-C043 / A066","S005, §7102(1) addresses individuals of the general public; S012, §32103 has broader qualified “consumer/business consumer”; S020 uses personal/family/household consumer definitions; S017, §310.6(b)(7) treats many business telemarketing calls differently.","High for statutory definitions. Commercial accounts and actual lending need separate product/activity tests; no universal consumer/commercial treatment."],["J_GU-P01-C044 / A066","S016, §310.4(a)(5)(i)(C)(1)–(2) supplies Example B's competing allocation formulas: $4,000 × ($4,000 / $20,000) = $800; $1,600 × 0.20 = $320.","High mathematical arithmetic, conditional legal use. Inputs/rates are invented solely for hypothetical illustration, not statutory Guam amounts or normative prices. See clarification below regarding actually paid savings base."],["J_GU-P01-C045 / A066","S010, 11 GCA §§70119–70121, 70130–70131(a)–(e): consequences can include misdemeanor, license action, closure and specified asset restrictions after prescribed hearing, and inability to maintain a Guam court proceeding until licensed; §70131(e) preserves corporate acts and the right to defend.","High for text, conditional on activity legally requiring the license and applicable process. It is wrong to infer an unlicensed firm's contracts are automatically void or that a consumer no longer owes creditors."],["J_GU-P01-C046 / A066","Bounded official-category search in S005–S007, S011–S012, S036, S041–S042 located an actual nonprofit credit-counseling chapter and adjacent telemarketing/general-consumer rules, but no separately named general for-profit “Debt Settlement Provider License Act.”","Classification NOT LOCATED, not “nonexistent”. Searches included debt settlement, debt adjustment, debt management, credit counseling, credit repair, consumer credit, telephonic seller, registration, bond, fees; inaccessible Chapter 6 and currentness gaps remain."],["J_GU-P01-C048 / A066","S044, DOJ UST Guam list, read with S031/S045, is a public list for pre-bankruptcy approved counseling providers, not a territorial commercial debt-settlement license.","High for classification of list; no specific entity verified and no implication that all other statutory authorizations are present."]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["1.1 Official legislature and enacted-law repository","Answered","Jurisdiction map; S003; C001–C002","Obtain actual texts of any later public laws affecting the identified titles before final publication."],["1.2 Official code/compiler authority","Answered","S001, S002, S042; C001","No inference that the most recently indexed public law is already incorporated in each PDF."],["1.3 Guam regulations and responsible rule repositories","Partial","S008, S011, S036, S041; C017–C018","Verify complete, currently effective rules governing Chapter 7 notices, fee schedules, bonds, and supervision."],["1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility","Partial","S005 §§7104, 7106–7111; S008–S009, S013; C009–C010, C017","Open current 14 GCA Chapter 6; determine actual present Administrator, delegated functions, and whether original Council endorsement process has superseding implementation."],["1.5 Territorial court hierarchy and appellate structure","Partial","S001, S030, S038–S040; C003","Validate the current Organic Act text and any controlling jurisdictional decisions beyond the 2023 codified edition."],["1.6 Enacted versus proposed, historical, amended, prospective","Partial","S003–S005, S010, S012; C002, C040","Section-by-section reconciliation against P.L. 38-134 through P.L. 38-145, plus relevant earlier uncaptured amendments and effective clauses. No proposal treated as enacted."],["1.7 Publication/update date versus effective date","Answered","S004–S005, S010; C002, C040","The distinction is established; underlying later-law effective dates remain to be verified individually."],["1.8 Federal TSR geographic gateway","Answered","S014, S018–S019; C004, C022","Campaign conduct and §310.6 exclusions still require facts."],["1.9 Federal CROA and CFPB geographic/scope gateways","Partial","S020–S028; C004, C028, C033","CROA's Guam-specific state-officer enforcement route requires further statutory interpretation; do not conflate it with CROA's consumer/service definitions."],["1.10 Bankruptcy jurisdiction gateway","Answered","S030–S032, S044–S045; C005, C048","Full bankruptcy eligibility, counseling exceptions, filing and discharge rules are outside this pass."],["1.11 Territorial enforcement versus federal agency versus private action","Partial","C032–C037, C045","Relevant routes separated; unavailable current Chapter 6 and certain Guam federal-state enforcement predicates prevent complete administrative mapping."],["1.12 No automatic mainland-state or universal federal rule","Answered","Applicability matrix; C004, C011–C012, C022–C023, C042–C043","Each statute's own defined activity, territory, exemptions and remedy remain controlling."]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["2.1 Exact Chapter 7 “credit counseling” definition","Answered","S005 §7102(1); C006","Apply each alternative branch to actual services separately."],["2.2 Five express definition exclusions","Answered","S005 §7102(2)(a)–(e); C007","Predicate facts required; no exemption by superficial similarity."],["2.3 Debt negotiation/settlement for existing consumer debt","Partial","S005 §§7102(1), 7103; C006, C008, C041","Chapter 7's broad debtor-agent language establishes a serious classification issue; specific nonresident reach and hybrid service cases need adjudication."],["2.4 DMP and creditor-payment distribution","Answered","S005 §§7102(1), 7109(2)–(4), 7110; C006, C020, C041","Actual disbursement authority and creditor consent remain contract/fact questions."],["2.5 Credit education without negotiation or funds","Partial","S005 §§7102(1)–(2), 7109(7)–(8); C006–C007","Determine when the specific education falls within specialized hardship counseling versus an excluded program."],["2.6 Credit repair/credit-services representations","Partial","S016, S021–S025; C027–C031","Federal overlap mapped. A standalone Guam-specific credit-services provider enactment was NOT LOCATED in bounded official search; broader code/GAR verification remains."],["2.7 Debt consolidation/refinancing by an actual lender","Partial","S005 §7102(2)(c); S020; C007, C033, C043","An actual loan is not automatically debtor-side negotiation; product-specific lender licensing and underwriting rules are beyond this component."],["2.8 Creditor collecting its own existing debt","Answered","S005 §7102(2)(c), S010 §70103(e)(8), S021 §1679a(3)(B)(ii); C007, C011, C028","These are different narrowly worded exclusions. They do not exempt a paid third-party debtor representative."],["2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications","Answered","S005 §§7102–7103; C007–C008, C042","Each exception requires its own specified role/activity/organization predicates."],["2.10 Individuals, commercial accounts, secured/unsecured","Partial","S005 §7102, S012 §32103, S020 §5481, S021 §1679a; C006, C034, C043","Chapter 7's individual-and-credit language is established; it is not a universal unsecured-only restriction. Secured-product-specific law remains deferred."],["2.11 Guam residence, provider establishment, interstate/online sales","Partial","S010 §70103(e); S012 §§32103(p), 32302; C011–C014","Local phone-seller nexus is express. No complete Chapter 7 rule on remote-only internet conduct established."],["2.12 Separate, generally named for-profit debt-settlement statute","Unresolved — NOT LOCATED","S005–S007, S011–S012, S036, S041–S042; C046","Search more current enactment text/GAR and inaccessible UCCC administration chapter. NOT LOCATED does not mean unregulated or permitted."]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["3.1 Chapter 7 permission structure","Answered","S005 §7103; C008","Text specifies permitted actor classes; current supervisory practice unresolved."],["3.2 Nonprofit agency incorporation and Council endorsement","Answered","S005 §§7104–7105; C009","Statutory organizational predicates confirmed; contemporary application process remains partial."],["3.3 Ten-member rule","Answered","S005 §7105; C009","No inference of waiver or compliance by an actual organization."],["3.4 Administrator notice, office/officer identification","Answered","S005 §7106; C010","Notice is not automatically proof of a formally issued license."],["3.5 Chapter 7 bond/security","Answered","S005 §7107; C010","$5,000 bond text and purpose established; surety-claim procedure and priority not fully determined."],["3.6 Chapter 7 insurance/net-worth minimum","Partial","Complete S005; C009–C010, C021","No separate insurance/net-worth number appears in the chapter read. Do not extrapolate absence under external corporate, bond, or administrative rules."],["3.7 General Guam business license","Answered as to governing chapter; partial as applied","S009–S010; C011, C045","DRT requirements established; precise remote business/branch classification remains case-dependent."],["3.8 Telephonic seller registration","Answered as to text; partial as applied","S012 §§32301–32306; C013–C015","Resolve written-contract exclusion and exact campaign classification."],["3.9 Initial/annual government registration fees","Answered","S012 §32302; C014","Distinguish $50 government filing/renewal charges from provider fees passed to a consumer."],["3.10 Branch/nonresident requirements","Partial","S005 §7106(3); S010 §70121; S012 §32306; C010–C014","Different acts trigger different office/location, seller-information and nonresident details. No unified remote-provider rule."],["3.11 Record retention/reporting/examinations","Partial","S005 §7108; S043 §310.5; S007; C010, C017–C018, C047","Chapter 7 two-year and covered TSR five-year rules established separately; Chapter 6 examinations and further reporting not verified."],["3.12 Current specialized public license lookup","Unresolved","S013, S033, S036–S037; C038","No publicly usable Chapter 7 roster confirmed. No entity search, login, application, or record request performed."],["3.13 Attorney/nonprofit/bank/credit-union exemptions","Partial","S005 §§7102–7103; S021 §1679a; S019 §44; C007–C008, C028, C042","Exact federal bank/credit-union and §501(c)(3) predicates read; do not extend them as unwritten Guam Chapter 7 exemptions."],["3.14 Suspension/revocation/process","Partial","S010 §§70119–70120, 70130–70131; S007; C018, C045","General-license process read; Chapter 6/UCCC special disciplinary process remains unverified."],["3.15 Nonresident home-state license reciprocity","Unresolved / no affirmative authorization located","S005, S010, S012; C008, C011–C012","No universal reciprocity found in text read; any claimed treaty/recognition or exemption needs its own primary authority."]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["4.1 Which Chapter 7 actors may render defined counseling","Answered","S005 §7103; C008","Do not infer permission for all for-profit negotiators."],["4.2 Chapter 7 reasonable-service-fee authority","Answered","S005 §7109(4); C019","Reasonableness and agency-purpose predicates apply."],["4.3 Fee-schedule submission","Answered","S005 §7111; C019","Actual administrative acceptance/objection process and agency fee schedules not obtained."],["4.4 Guam dollar/percentage/monthly fee caps","Partial","Complete S005; C019, C021","No numeric Chapter 7 cap stated there. Other applicable Guam rules and case interpretation not conclusively excluded. No fabricated number."],["4.5 Chapter 7 prospective-fee wording","Answered","S005 §7109(4); C019","Statutory text permits services “to be rendered” as a fee subject; covered federal TSR timing may independently prohibit collection."],["4.6 Covered TSR debt-relief fee-release trigger","Answered","S016 §310.4(a)(5)(i)(A)–(B); C025","Valid executed creditor agreement and first customer payment both required."],["4.7 Covered TSR per-debt amount formula","Answered","S016 §310.4(a)(5)(i)(C); C025, C044","Proportional enrolled-balance method or constant savings-rate method; Example B includes arithmetic and actual-payment clarification."],["4.8 Donations, fair-share, creditor-paid remuneration","Partial","S005 §7109(9), S016 §310.4; C019, C025","Chapter 7 contribution authority read; whether a particular “donation,” creditor payment or referral arrangement is prohibited consideration depends on actual payment relationship and federal coverage."],["4.9 Enrollment, monthly, default, cancellation, refund charges","Partial","S005 §§7109, 7111; S015–S016; C019, C024–C026","No universal Guam rate chart located. Obtain controlling regulations and actual agreement before assessing specific charge."],["4.10 Covered telemarketing credit-repair fee timing","Answered","S016 §310.4(a)(2); C027","Credit-improvement representations trigger a different timing regime."],["4.11 CROA advance fee","Answered","S021–S022; C028, C030","Actual credit-repair definition/exemptions required."],["4.12 TSR sales claims/disclosures","Answered","S015 §310.3; C024","Risks, times, funds and representations enumerated; actual marketing evidence not reviewed."],["4.13 Nonprofit-versus-FTC fee interaction","Partial","S005, S017, S019; C019, C023, C042","Actual entity structure and FTC jurisdiction must be established; Guam allowance alone is insufficient for a covered telemarketed service."]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["5.1 Standard Guam Chapter 7 written client contract","Partial","Complete S005; C021","No comprehensive form/mandatory clauses located in Chapter 7; other applicable laws/agency practice may impose them."],["5.2 Guam telephonic-sale written and delivered contract","Partial","S012 §§32301, 32303–32305; C013, C015","Applicable Article 3 contract obligation read; unusual written-contract exclusion requires resolution."],["5.3 Federal pre-enrollment disclosures","Answered","S015 §310.3(a)(1); C024","Conditioned on TSR transaction, including risks and reserve-account explanation."],["5.4 Budget/ability-to-pay assessment","Unresolved","S005, S007, S011, S041; C018, C021","No generally applicable specific Guam provider-assessment method established; examine accessible full GAR/UCCC administration and any federal overlay for service category."],["5.5 Creditor consent, notification and participation","Partial","S005 §§7102, 7109; S016 §310.4(a)(5); C041","Actual creditor assent is essential for enforceable modification; no universal creditor-notification deadline established."],["5.6 Contract duration, consumer copy, translation","Partial","S012 §§32303–32304; S023–S024; C015, C029","CROA/covered telephone rules identified; no universal Guam translation obligation established."],["5.7 Guam Chapter 7 cancellation/rescission","Partial","S005 complete; C021","No generally applicable specific countdown in that chapter; cannot declare there is no separate statutory, contract, or common-law right."],["5.8 CROA cancellation","Answered","S025 §1679e; C031","Midnight/third-business-day rule only on CROA branch; no actual calendar calculated."],["5.9 Guam Chapter 7 funds segregation","Answered","S005 §7110; C020","Separate creditor-benefit account; do not commingle."],["5.10 Covered TSR dedicated account safeguards","Answered","S016 §310.4(a)(5)(ii); C026","Five required conditions, consumer withdrawal and seven-business-day refund; distinct from local rule."],["5.11 Depository location, insurance, independent administration","Partial","S005 §7110; S016 §310.4(a)(5)(ii)(A)–(D); C020, C026","FTC-insured-institution/independence rule established; Guam Chapter 7 alone does not supply a specific bank-geography test."],["5.12 Reconciliation, statements, disbursement cadence","Partial","S005 §§7108, 7110; S007; C010, C020","Records and segregation found, but transaction-by-transaction timing and accounting-format rules not fully resolved."],["5.13 Insolvency, commingling loss, priority and bond proceeds","Unresolved","S005 §§7107, 7110; C010, C020","No verified governing priority, claims, tracing or insolvency-remedy hierarchy; cannot promise repayment or bond recovery."],["5.14 Consumer default/provider termination/creditor refusal","Partial","S015–S016; C024–C026, C041","Covered TSR disclosures and customer withdrawal identified; actual creditor arrangement, fee provisions and underlying account consequences vary with facts."],["5.15 Refund and cancellation day counting","Partial","S016 §310.4(a)(5)(ii)(E), S025 §1679e; C026, C031","Legal periods established in specific federal branches; exact start time, weekends/holidays, service and local procedural interactions require specified facts."],["5.16 No guaranteed settlement or creditor discharge","Answered","S005 §7109, S016 §310.4(a)(5); C041","Enrollment and deposits alone do not change the creditor agreement."]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subissue","Status","Finding location / claims","Missing evidence and next focused action"],["6.1 Chapter 7 criminal violation","Answered","S005 §7112; C036","Willfulness expressly required; prosecution not automatic."],["6.2 General Guam licensing enforcement","Answered","S010 §§70119–70121, 70130–70131; C045","Licensure predicate, process and statutory limitations matter."],["6.3 Chapter 7-specific administrative enforcement","Unresolved","S007, S008; C017–C018","Obtain actual current Chapter 6 §§6102–6113 and regulations before detailing notices, examination, hearing, appeal or revocation."],["6.4 Guam AG deceptive-practice remedies","Answered as to cited provisions","S012 §§32111, 32119, 32127, 32307–32308; C034–C036","Specific claim, defendant conduct, procedural predicates and penalty calculations remain case-dependent."],["6.5 Territorial private consumer cause/damages","Partial","S012 §§32109–32114, 32120; C035","Express statutory cause and remedy family found; actual standing, pre-suit demand, damage proof and exemptions not resolved without transaction facts."],["6.6 Bond beneficiary rights","Partial","S005 §7107; C010","Bond expressly contemplates persons with claims under Chapter 7; not a generic private damages action or guaranteed collectible award."],["6.7 Federal TSR public/private enforcement","Partial","S018–S019, S029; C022, C037","FTC route and restricted statutory private route located; Guam government-officer standing and complete procedure require additional interpretation."],["6.8 Federal CROA private/FTC remedies","Answered as to federal statute","S026–S028; C032","Section-specific liability and remedies identified; Guam “State” official enforcement path separately held."],["6.9 Public complaint route","Answered as public guidance","S013; C038","OAG Consumer Protection Division source opened. No complaint submitted, no response sought."],["6.10 License verification path","Unresolved","S033, S036–S037; C038","No verified publicly searchable specialized Chapter 7 roster; no entity-specific check authorized or performed."],["6.11 Actual squarely on-point provider decision/enforcement","Unresolved — NOT LOCATED in bounded search","S038–S040; C039","Search coverage insufficient for an absence-of-authority holding. Search accessible published opinions/enforcement archives if authorized in later focused pass."],["6.12 Relevant non-provider licensing-case annotations","Partial","S010, §70102 note and §70130 annotations; C045","EIE Guam Corp. v. Long Term Credit Bank of Japan, 1998 Guam 6 ¶25; Taijeron v. Kim, 1999 Guam 16 ¶29; and historical Pacific Equity & Capital Enterprises v. Baba appear in the official code's case annotations. They concern other licensing contexts, not a square Chapter 7 provider holding. Underlying opinions were not independently read and are not adopted as controlling provider decisions."],["6.13 Public assistance/referral information","Answered as resource inventory","S034–S035, S045; C038, C048","Eligibility, practice availability and suitability not established; no referrals initiated."],["6.14 Read-only provider-evaluation checklist and alternatives","Answered within task scope","§8 above; C006–C043","No actual account, contract, attorney, creditor or provider evaluated."],["6.15 Violation does not automatically cancel underlying debt","Answered","S010 §70131(e), S012 §32120, S026 §1679f; C032, C035, C041, C045","Distinguish offending service agreement, entity procedural disability and independent creditor claim. No guaranteed restitution, setoff, discharge or void judgment."],["6.16 Territorial/civil/criminal remedy coordination","Partial","C032–C037, C045","Primary routes distinguished. Exhaustive claim joinder, preemption, limitations, local jurisdiction and all overlapping remedies require separate fact-specific research."]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["A066 parent dimension","Status","Reason / narrow intersection in this pass","Next owner action"],["Collection conduct, debt validation, credit reporting","Excluded_with_reason","Only provider claims concerning possible collections/credit effects under TSR §310.3 were covered; no creditor/collector conduct or furnishing dossier. C024, C041.","Separate collection, validation and reporting components."],["Limitation periods, accrual and revival","Excluded_with_reason","A provider payment or creditor agreement may have implications, but no limitation or revival conclusion was made.","Separate limitations/revival component."],["Litigation, default, judgment enforcement","Excluded_with_reason","Only provider-remedy and general-license court-access intersections addressed. C035–C037, C045.","Separate litigation/judgment component."],["Garnishment, wage, bank and property exemptions","Excluded_with_reason","Chapter 7 mentions certain assignments and representation powers, but no exemption or garnishment analysis was performed. S005 §7109(3),(5).","Separate garnishment/exemption component."],["Secured debts; medical, rent, utilities, taxes and other special obligations","Excluded_with_reason","No product- or debt-category-specific settlement legality or priority conclusions. C043.","Separate special-debt components."],["Broader protections for vulnerable consumers","Excluded_with_reason","Narrow Guam DTPA and TSR deception/disclosure intersections examined; no broad disability, elder, military, language-access or special-remedies dossier. C024, C034–C035.","Separate vulnerable-consumer component."]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Official repository or source","Exact bounded targets / search terms","Actual outcome","Evidentiary effect"],["Guam Compiler GCA index, S042","Title 14, Chapter 7; credit counseling; consumer credit; nonprofit","Identified and ultimately opened the complete 14 GCA §§7101–7113 text, S005.","Positive operative finding."],["Guam Compiler GCA index, S042 and former Chapter 6 path S007","Title 14, Chapter 6; Administrator; §§6102–6113; examination; complaint","Chapter exists in code index, but direct former PDF path failed. An indexed excerpt identified possible powers.","Discovery only for Chapter 6 wording."],["Guam Compiler GCA, S010","Title 11, Chapter 70; business; interstate; exemption; license; suspension; court","Opened operative general license, activities exclusions and consequence provisions.","Positive general-business rule; not special debt-settlement license."],["Guam Compiler GCA, S012","Title 5, Chapter 32; telemarketing; telephonic seller; registration; bond; fees; consumer","Opened Articles 1–3; verified AG registration, exclusions, filing charges, contracts and remedies.","Positive adjacent provider-applicable rules."],["Guam GAR index and selected files, S008, S011, S036, S041","credit counseling; debt adjustment; debt settlement; savings and loan; general business license; consumer counsel","Historical/selected regulatory material and agency labels located; no fully verified current Chapter 7 filing or fee schedule rule.","Partial; specialized implementing rule NOT LOCATED within read bounds."],["Guam Legislature enactment index and section-affected table, S003–S004","Relevant Title 5, 11 and 14 sections; through table cutoff P.L. 38-133","Table and later public-laws index both found; not every later act opened and checked against exact sections.","Currentness hold."],["Guam AG/DRT/BSP portals, S013, S033, S037","consumer protection; business license; renewal; available public lookup instructions","Consumer complaint and general licensing information found; no authenticated-free specialist Chapter 7 roster demonstrated.","Specialized public lookup NOT LOCATED, not declared nonexistent."],["Guam Supreme/Superior public indexes, S038–S040","14 GCA § 7103; 14 GCA § 7111; credit counseling agency; provider enforcement","No squarely matching published merits decision found by bounded accessible search; some official search functions yielded no extractable results.","Case result inconclusive; no negative precedent holding."],["Federal UST Guam directory, S032, S044–S045","Guam district versus Guam territory listing","One query-filter route appeared empty; separate public Guam list clearly contained approved agencies.","Corrected route interpretation: federal bankruptcy approved list exists, unrelated to Guam's ordinary Chapter 7 registration."]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Proposed classification or claim","Research status","What is presently supported","What must remain on hold"],["Guam Chapter 7 nonprofit counseling agency with debtor funds","Defined","Statutory organization, Council endorsement, notice, bond, two-year records, segregation and fee schedule are identified.","Actual present administrative approval procedure, all later amendments, specific entity compliance and fee reasonableness."],["For-profit person negotiating Guam consumer debts","High-risk / partial","Broad debtor-agent classification and restricted §7103 actor categories make the issue substantive.","Categorical legality/unlawfulness for every remote or hybrid arrangement without nexus, exemption and complete currentness analysis."],["Interstate telemarketed debt-relief campaign","Federal rule mapped","Geographic definition, campaign/service tests, conditional exemptions, disclosures and fee/account rules identified.","Applying them without campaign, nonprofit, attorney and exemption facts."],["Guam telephone seller","Conditional","AG registration, filing fees, consumer notices, written contract and statutory consequences located.","Whether particular calls fall outside §32301, particularly later signed contracts and consumer-initiated contacts."],["Credit-repair representations accompanying debt relief","Conditional overlap","CROA and TSR credit-repair triggers, federal prepayment and cancellation/contract rules identified.","Automatic classification of all debt settlement as credit repair, or universal exemptions based on nonprofit labels."],["True consolidation loan by a lender","Separate activity","Lender and third-party debtor-agent activities distinguished.","Licensing, origination, financing and product-specific compliance not researched here."],["Claim that another state's license authorizes Guam work","Not substantiated","No general reciprocity established by operative sources read.","Any legal assertion of reciprocity without its exact Guam authority and factual predicates."],["Claim that failure to license erases creditors' debts","Unsupported","General licensing law expressly preserves specified corporate acts/defenses; service and creditor contracts are distinct.","Automatic voiding of balance, judgment or collection right."]]},{"headers":[],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Proposed publication assertion","Decision","Reason"],["“Guam has a statutory chapter concerning nonprofit consumer credit counseling agencies.”","Supportable with date/source qualification","S005 §§7101–7113 opened and read."],["“That chapter broadly defines credit counseling to include acting as a debtor's agent and distributing debtor funds.”","Supportable with precise §7102 quotation/paraphrase","S005 §7102(1)."],["“A Guam Chapter 7 agency has a $5,000 bond, two-year transaction-record minimum and separate-account duty.”","Supportable with source/date qualification","S005 §§7107, 7108, 7110."],["“Any debt-settlement provider can charge 20% of savings in Guam.”","HOLD / unsupported","No Guam 20% rule established. Example B's 20% is illustrative contractual input, not enacted law."],["“All Guam debt-settlement providers must use the FTC seven-business-day account refund rule.”","HOLD / overbroad","Requires covered TSR transaction and qualifying account arrangement."],["“All credit counseling by nonprofits is exempt from TSR, CROA and Guam Chapter 7.”","HOLD / incorrect as blanket statement","Three different statutory tests and conditions."],["“Remote out-of-state settlement companies need no Guam approvals.”","HOLD / unsupported","Chapter 7 territorial reach and other nexus provisions require further work."],["“Signing a contract automatically removes Guam's telemarketing registration requirement.”","HOLD / overbroad","§32301/§32304 interaction and full campaign facts unresolved."],["“A firm without a Guam business license cannot collect any debts and its corporate acts are void.”","HOLD / contradicted in material part","S010 §70131(e) preserves corporate acts and defenses; §70131 has distinct court-access and enforcement conditions."],["“The U.S. Trustee's Guam-approved counseling list is Guam's debt settlement license list.”","HOLD / incorrect","Federal bankruptcy approval and Guam Chapter 7 are distinct."],["“No Guam provider case or special regulation exists.”","HOLD / unsupported negative","Bounded searches and inaccessible material cannot establish universal absence."]]},{"headers":[],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Required safeguard","Result"],["Regular Chat; no Deep Research, website changes, filings, messages, purchases, accounts or provider contacts","Observed. Public primary-source retrieval and read-only analysis only."],["Actual model/mode provenance","Regular Chat was used. The interface did not expose a independently verifiable model-tier/reasoning selector in this research response; no unsupported claim of changing models is made."],["Baseline and actual check date","Baseline: October 22, 2026 Pacific. Checks: October 26, 2026, America/Los_Angeles. Federal eCFR's displayed content date of October 22 is separately identified."],["Jurisdiction-specific primary law","Completed for opened provisions of Guam 14 GCA Ch. 7, 5 GCA Ch. 32 and 11 GCA Ch. 70; later amendment reconciliation incomplete."],["Federal territorial definitions","Completed for the identified FTC/TSR and CFPB statutes; CROA officer-enforcement pathway still qualified."],["Statutory definitions and exclusions","Read completely for 14 GCA Chapter 7, including the five §7102 exclusions and five §7103 allowed actor classes."],["Separate legal versus administrative versus federal versus private consequences","Separated, with remaining Chapter 6 and federal officer-authority questions flagged."],["Fee and cancellation mathematics","Worked for the actual federal formula and refund rule, with exact hypothetical units and the correction that savings must use what was actually paid to satisfy the debt. No fabricated Guam cap."],["Source register","45 visible IDs, S001–S045, with literal direct URLs, access and version limitations; operative-versus-index status distinguished."],["Claim register","48 visible IDs, C001–C048, mapped to A066 and pinpoints. IDs C047–C048 were appended after the original C001–C046 sequence because of additional verified federal material."],["Granular coverage register","Visible above, including all six numbered topics and six expressly deferred dimensions."],["PDF integrity","Machine-text extraction only; no PDF pixel review claimed. Printed page and zero-based PDF page index identified separately for opened PDFs."],["Case/search absence","Bounded NOT LOCATED findings, never “there is no case/law.”"],["Individual or provider data","None accessed or looked up. Public regulator directories were inspected as general authoritative resources only."],["Independent review","Not performed. This is the original researcher's self-check, not a second opinion or coordinator acceptance."]]}],"claims":[{"claim_id":"J_GU-P01-C001","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C001 / A066","Substantive claim and precise source pinpoint":"Guam's official code/source architecture and legal-status conventions appear in S001, 1 GCA §§100–102, and S002/S042.","Applicability, exceptions, consequence, confidence":"Territorial law, checked Oct 26. High for the opened source architecture; amendments after any compilation cutoff still require checking."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C001","researcher_claim":"Guam's official code/source architecture and legal-status conventions appear in S001, 1 GCA §§100–102, and S002/S042.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C002","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C002 / A066","Substantive claim and precise source pinpoint":"The Legislature's public-laws index S003 reaches later enactments than the bounded S004 section-affected table; S005 carries an older COL120106 legend and S012 an October 2021 legend.","Applicability, exceptions, consequence, confidence":"Partial currentness. Neither an update stamp nor a missing table entry proves that no later effective amendment exists. Consequence: publication hold on the unqualified word “current.”"},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C002","researcher_claim":"The Legislature's public-laws index S003 reaches later enactments than the bounded S004 section-affected table; S005 carries an older COL120106 legend and S012 an October 2021 legend.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C003","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C003 / A066","Substantive claim and precise source pinpoint":"Guam local Supreme/Superior Court structure and the federal District Court of Guam arise through S001 and the Organic Act, S030, 48 USC §§1424–1424-3; public court indexes S038–S040 are narrower research gateways.","Applicability, exceptions, consequence, confidence":"High on statutory court structure as read; partial 2026 amendment/precedential routing validation because S030 is the 2023 edition. Territorial adjudication, federal jurisdiction, and agency enforcement are different tracks."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C003","researcher_claim":"Guam local Supreme/Superior Court structure and the federal District Court of Guam arise through S001 and the Organic Act, S030, 48 USC §§1424–1424-3; public court indexes S038–S040 are narrower research gateways.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C004","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C004 / A066","Substantive claim and precise source pinpoint":"The telemarketing statute defines “State” to include Guam, S018, 15 USC §6106(3); FTC Act commerce refers to a Territory, S019, §44; the CFPB's distinct definition expressly includes Guam, S020, 12 USC §5481(27).","Applicability, exceptions, consequence, confidence":"High for these particular federal gateways. Each statute must pass its own coverage test; geographic inclusion alone does not make every federal law applicable."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C004","researcher_claim":"The telemarketing statute defines “State” to include Guam, S018, 15 USC §6106(3); FTC Act commerce refers to a Territory, S019, §44; the CFPB's distinct definition expressly includes Guam, S020, 12 USC §5481(27).","coordinator_status":"part_selected_federal_gateway_other_sources_unreopened_hold","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C005","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C005 / A066","Substantive claim and precise source pinpoint":"The District Court of Guam exercises bankruptcy jurisdiction under 48 USC §1424(b), S030/S031; bankruptcy-approved counseling has its own U.S. Trustee path, S044/S045.","Applicability, exceptions, consequence, confidence":"High, bankruptcy gateway only. Does not confer ordinary Guam debt-relief-provider authorization or resolve substantive bankruptcy law."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C005","researcher_claim":"The District Court of Guam exercises bankruptcy jurisdiction under 48 USC §1424(b), S030/S031; bankruptcy-approved counseling has its own U.S. Trustee path, S044/S045.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C006","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C006 / A066","Substantive claim and precise source pinpoint":"S005, 14 GCA §7102(1), print p. 1/P0: credit counseling includes specialized counseling for individuals facing credit-related economic hardship, acting as their agents to resolve it, or receiving their money/property to distribute to creditors.","Applicability, exceptions, consequence, confidence":"High as to text. The three statutory branches matter independently; a negotiator need not operate a classic DMP to trigger classification. Actual territorial nexus is partial."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C006","researcher_claim":"S005, 14 GCA §7102(1), print p. 1/P0: credit counseling includes specialized counseling for individuals facing credit-related economic hardship, acting as their agents to resolve it, or receiving their money/property to distribute to creditors.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C007","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C007 / A066","Substantive claim and precise source pinpoint":"S005, §7102(2)(a)–(e), print pp. 1–2/P0–P1: excludes free employer-employee counseling; qualifying other-purpose nonprofit free/nominal counseling; certain creditor-related no-direct-fee services/disbursement; title-company escrow; and qualifying broader financial/property management not primarily aimed at liquidation of existing debt.","Applicability, exceptions, consequence, confidence":"High for enumerated predicates. These are activity exclusions, not wholesale exemptions by job title, charitable label, or creditor affiliation."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C007","researcher_claim":"S005, §7102(2)(a)–(e), print pp. 1–2/P0–P1: excludes free employer-employee counseling; qualifying other-purpose nonprofit free/nominal counseling; certain creditor-related no-direct-fee services/disbursement; title-company escrow; and qualifying broader financial/property management not primarily aimed at liquidation of existing debt.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C008","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C008 / A066","Substantive claim and precise source pinpoint":"S005, §7103, print p. 2/P1 prohibits engaging in/holding out the business of credit counseling outside five categories: Chapter 7 agencies; practicing attorneys rendering legal services; court-directed actors; constituted nonprofit legal aid bureaus; or substantially government-financed persons within grant/appropriation terms.","Applicability, exceptions, consequence, confidence":"High for text. An ordinary for-profit settlement seller has no express generic exemption here. Attorney supervision alone does not meet the statutory description. Application to wholly remote activity remains partial."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C008","researcher_claim":"S005, §7103, print p. 2/P1 prohibits engaging in/holding out the business of credit counseling outside five categories: Chapter 7 agencies; practicing attorneys rendering legal services; court-directed actors; constituted nonprofit legal aid bureaus; or substantially government-financed persons within grant/appropriation terms.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C009","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C009 / A066","Substantive claim and precise source pinpoint":"S005, §§7104–7105, print pp. 2–3/P1–P2: Chapter 7 agency must have specified nonprofit/nonstock organization and non-inurement; certificate of incorporation requires Chairman of Guam Judicial Council approval; at least 10 members.","Applicability, exceptions, consequence, confidence":"High for statutory predicates. Merely being tax-exempt or accredited is insufficient to prove Chapter 7 formation compliance. Actual current administrative implementation: partial."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C009","researcher_claim":"S005, §§7104–7105, print pp. 2–3/P1–P2: Chapter 7 agency must have specified nonprofit/nonstock organization and non-inurement; certificate of incorporation requires Chairman of Guam Judicial Council approval; at least 10 members.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C010","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C010 / A066","Substantive claim and precise source pinpoint":"S005, §§7106–7108, print p. 3/P2: agency gives Administrator its intention notice identifying names/offices/officers/directors; files a $5,000 surety bond; retains books/accounts/records for at least two years after final transaction entry.","Applicability, exceptions, consequence, confidence":"High for statutory amounts/trigger. Bond is security, not a consumer service charge or evidence of full claim recoverability. No Chapter 7 online filing/lookup verified."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C010","researcher_claim":"S005, §§7106–7108, print p. 3/P2: agency gives Administrator its intention notice identifying names/offices/officers/directors; files a $5,000 surety bond; retains books/accounts/records for at least two years after final transaction entry.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C011","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C011 / A066","Substantive claim and precise source pinpoint":"S010, 11 GCA §§70103(c),(e), 70115–70121, 70126, 70130: general Guam business-license provisions apply when their business/nexus predicates are met, with enumerated excluded activities, annual licensing and location rules. S009, §§1103–1106, identifies DRT functions.","Applicability, exceptions, consequence, confidence":"High on text; partial on particular remote provider. General business licensing and Chapter 7's special status are separate."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C011","researcher_claim":"S010, 11 GCA §§70103(c),(e), 70115–70121, 70126, 70130: general Guam business-license provisions apply when their business/nexus predicates are met, with enumerated excluded activities, annual licensing and location rules. S009, §§1103–1106, identifies DRT functions.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C012","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C012 / A066","Substantive claim and precise source pinpoint":"S012, 5 GCA §32302(a) expressly reaches sellers soliciting prospects located in Guam; §32103(p) addresses trade directly or indirectly affecting Guam people. S005 does not expressly resolve every nonresident or online nexus.","Applicability, exceptions, consequence, confidence":"High for express phone-seller/DTPA language; hold on extending the Chapter 7 prohibition to every remote transaction by analogy."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C012","researcher_claim":"S012, 5 GCA §32302(a) expressly reaches sellers soliciting prospects located in Guam; §32103(p) addresses trade directly or indirectly affecting Guam people. S005 does not expressly resolve every nonresident or online nexus.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C013","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C013 / A066","Substantive claim and precise source pinpoint":"S012, §32301(a), print pp. 36–37/P35–P36 defines telemarketing with exclusions for qualifying personal discussions, consumer-initiated/requested calls, later signed contracts, and certain business dealings/negotiations within the preceding 18 months.","Applicability, exceptions, consequence, confidence":"High for text. The unusual later-written-contract exclusion may create a sequencing issue with §32304's written-contract rule; its application is unresolved, not ignored."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C013","researcher_claim":"S012, §32301(a), print pp. 36–37/P35–P36 defines telemarketing with exclusions for qualifying personal discussions, consumer-initiated/requested calls, later signed contracts, and certain business dealings/negotiations within the preceding 18 months.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C014","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C014 / A066","Substantive claim and precise source pinpoint":"S012, §§32302(a)–(d), 32306: covered telephonic seller files with Guam AG at least 10 days before Guam business and pays an agency $50 filing fee; registration runs one year and annual renewal costs $50; material-change updates generally within 10 days, with quarterly salesperson treatment.","Applicability, exceptions, consequence, confidence":"High, conditioned on §32301 classification. This is a government filing fee, not a consumer debt-settlement fee; nonresident information/service details in §32306 apply where triggered."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C014","researcher_claim":"S012, §§32302(a)–(d), 32306: covered telephonic seller files with Guam AG at least 10 days before Guam business and pays an agency $50 filing fee; registration runs one year and annual renewal costs $50; material-change updates generally within 10 days, with quarterly salesperson treatment.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C015","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C015 / A066","Substantive claim and precise source pinpoint":"S012, §§32303–32305: applicable telephonic sales carry statutory consumer-notice and signed/delivered contract requirements and an uncollectible-charge consequence for an Article 3 violation.","Applicability, exceptions, consequence, confidence":"High for text; partial for the precise transaction given §32301's exclusions. The affected charge is not automatically the consumer's underlying debt to an unrelated creditor."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C015","researcher_claim":"S012, §§32303–32305: applicable telephonic sales carry statutory consumer-notice and signed/delivered contract requirements and an uncollectible-charge consequence for an Article 3 violation.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C016","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C016 / A066","Substantive claim and precise source pinpoint":"S012, §§32307–32308: applicable Article 3 violations have public enforcement and deceptive-practice consequences, including the provision's up-to-$5,000 civil-penalty ceiling where its predicates apply.","Applicability, exceptions, consequence, confidence":"High for the statute; cannot automatically infer consumer standing, per-violation aggregation, or the precise penalty in an actual case."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C016","researcher_claim":"S012, §§32307–32308: applicable Article 3 violations have public enforcement and deceptive-practice consequences, including the provision's up-to-$5,000 civil-penalty ceiling where its predicates apply.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C017","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C017 / A066","Substantive claim and precise source pinpoint":"S008, 15 GAR §2101(a) historically identifies the Savings and Loan Commissioner as UCCC Administrator; S007, 14 GCA §6103 was search-index discovery only; S009 assigns DRT financial functions.","Applicability, exceptions, consequence, confidence":"Partial / HOLD: operational identity, delegation, and current Chapter 7 acceptance process need a readable current Chapter 6 and controlling administrative materials. No claim of a separately issued “debt-settlement license.”"},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C017","researcher_claim":"S008, 15 GAR §2101(a) historically identifies the Savings and Loan Commissioner as UCCC Administrator; S007, 14 GCA §6103 was search-index discovery only; S009 assigns DRT financial functions.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C018","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C018 / A066","Substantive claim and precise source pinpoint":"S007 indexes 14 GCA Chapter 6 §§6102–6113, a possible UCCC administration/complaint/examination framework, but its operative body was inaccessible. S005, §§7106–7111 establishes narrower agency-facing duties.","Applicability, exceptions, consequence, confidence":"Unresolved: precise Chapter 6 examination powers, administrative procedure, sanctions, appeals, and records authority are not established from index excerpts."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C018","researcher_claim":"S007 indexes 14 GCA Chapter 6 §§6102–6113, a possible UCCC administration/complaint/examination framework, but its operative body was inaccessible. S005, §§7106–7111 establishes narrower agency-facing duties.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C019","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C019 / A066","Substantive claim and precise source pinpoint":"S005, §§7109(4),(9), 7111, print pp. 4–5/P3–P4: Chapter 7 agency may charge reasonable fees for described services, including prospective services, and solicit contributions; its fee schedule must be submitted to Administrator and remain consistent with nonprofit function.","Applicability, exceptions, consequence, confidence":"High for these provisions. No numerical dollar or percentage cap is stated in the entire Chapter 7 text reviewed. This is a bounded observation, not authorization for any rate, disguised donation, or an advance fee prohibited by independently applicable federal law."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C019","researcher_claim":"S005, §§7109(4),(9), 7111, print pp. 4–5/P3–P4: Chapter 7 agency may charge reasonable fees for described services, including prospective services, and solicit contributions; its fee schedule must be submitted to Administrator and remain consistent with nonprofit function.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C020","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C020 / A066","Substantive claim and precise source pinpoint":"S005, §7110, print p. 4/P3: Chapter 7 agency must not commingle debtor money/property with its own and must hold creditor-benefit money in a separate account until authorized disbursement, including any agency fee.","Applicability, exceptions, consequence, confidence":"High for segregation. Chapter 7 text reviewed does not prescribe all account-insurance, reconciliation, insolvency, or time-to-refund details requested."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C020","researcher_claim":"S005, §7110, print p. 4/P3: Chapter 7 agency must not commingle debtor money/property with its own and must hold creditor-benefit money in a separate account until authorized disbursement, including any agency fee.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C021","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C021 / A066","Substantive claim and precise source pinpoint":"S005, complete §§7101–7113 does not itself prescribe a comprehensive standard-form contract, general consumer rescission countdown, translation rule, or standalone fixed refund deadline.","Applicability, exceptions, consequence, confidence":"High only as a bounded reading of Chapter 7. Do not generalize to absence under all Guam/federal rules or the contract. Statutory and negotiated rights must be checked independently."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C021","researcher_claim":"S005, complete §§7101–7113 does not itself prescribe a comprehensive standard-form contract, general consumer rescission countdown, translation rule, or standalone fixed refund deadline.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C022","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C022 / A066","Substantive claim and exact source pinpoint":"S014, 16 CFR §310.2(o),(ff),(ii) defines covered debt-relief services, Guam as a geographic “State” for TSR purposes, and the qualifying campaign; S018, 15 USC §6106(3)–(4) supplies statutory geography.","Applicability, exceptions, consequence, confidence":"High for definitions; conditional on telemarketing campaign, covered conduct, commerce and exclusions. Debt relief can include DMP/restructuring as well as lump-sum settlement."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C022","researcher_claim":"S014, 16 CFR §310.2(o),(ff),(ii) defines covered debt-relief services, Guam as a geographic “State” for TSR purposes, and the qualifying campaign; S018, 15 USC §6106(3)–(4) supplies statutory geography.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C023","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C023 / A066","Substantive claim and exact source pinpoint":"S017, §310.6(b)(3)–(7) distinguishes qualifying in-person, wholly unsolicited inbound, advertisement/direct-mail inbound, and business-call exceptions; debt-relief advertising/direct-mail calls are expressly carved back. S019, 15 USC §44 affects FTC nonprofit jurisdiction.","Applicability, exceptions, consequence, confidence":"High for rule text; fact-dependent. A caller's inbound status, a nonprofit label, and an attorney affiliation are not universal TSR exemptions. Some exempt calls remain subject to specified requirements."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C023","researcher_claim":"S017, §310.6(b)(3)–(7) distinguishes qualifying in-person, wholly unsolicited inbound, advertisement/direct-mail inbound, and business-call exceptions; debt-relief advertising/direct-mail calls are expressly carved back. S019, 15 USC §44 affects FTC nonprofit jurisdiction.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C024","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C024 / A066","Substantive claim and exact source pinpoint":"S015, §310.3(a)(1)(i)–(iii),(viii)(A)–(D), (a)(2)(x): covered seller must disclose relevant total charges, restrictions, cancellation policy, settlement timing, required accumulated funds, nonpayment risks, and special account ownership/withdrawal rights; debt-relief disclosures precede enrollment.","Applicability, exceptions, consequence, confidence":"High. Advertising outcomes, success rates, nonprofit character and credit effects cannot be materially misrepresented. Specific statements are conditional on actual offered method."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C024","researcher_claim":"S015, §310.3(a)(1)(i)–(iii),(viii)(A)–(D), (a)(2)(x): covered seller must disclose relevant total charges, restrictions, cancellation policy, settlement timing, required accumulated funds, nonpayment risks, and special account ownership/withdrawal rights; debt-relief disclosures precede enrollment.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C025","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C025 / A066","Substantive claim and exact source pinpoint":"S016, §310.4(a)(5)(i)(A)–(C): no covered debt-relief service fee until a valid executed creditor/customer debt change and a customer payment under it; for individually resolved debts, fees follow either required balance proportionality or the same savings percentage.","Applicability, exceptions, consequence, confidence":"High, conditional on TSR. No federal fee amount or “20% cap” is enacted here. Amount and time are distinct tests; charging prematurely violates the rule even if eventual fee size would pass a formula."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C025","researcher_claim":"S016, §310.4(a)(5)(i)(A)–(C): no covered debt-relief service fee until a valid executed creditor/customer debt change and a customer payment under it; for individually resolved debts, fees follow either required balance proportionality or the same savings percentage.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C026","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C026 / A066","Substantive claim and exact source pinpoint":"S016, §310.4(a)(5)(ii)(A)–(E): allowed dedicated reserve arrangement requires insured financial institution, customer ownership and interest, independent administrator without prohibited referrals, and penalty-free withdrawal with refundable funds returned within seven business days of request.","Applicability, exceptions, consequence, confidence":"High; only if this federal reserve-account framework applies. An account balance is not an earned fee or a creditor settlement. No exact calendar date asserted."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C026","researcher_claim":"S016, §310.4(a)(5)(ii)(A)–(E): allowed dedicated reserve arrangement requires insured financial institution, customer ownership and interest, independent administrator without prohibited referrals, and penalty-free withdrawal with refundable funds returned within seven business days of request.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C027","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C027 / A066","Substantive claim and exact source pinpoint":"S016, §310.4(a)(2)(i)–(ii): separate timing ban on fees for telemarketed services represented to improve/remove derogatory credit information until represented service period ends and specified later consumer-report documentation exists.","Applicability, exceptions, consequence, confidence":"High, only when the service makes covered credit-repair claims. Does not automatically attach to a purely debt-negotiation-only service."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C027","researcher_claim":"S016, §310.4(a)(2)(i)–(ii): separate timing ban on fees for telemarketed services represented to improve/remove derogatory credit information until represented service period ends and specified later consumer-report documentation exists.","coordinator_status":"bounded_coverage_revision_UNSENT","related_findings":["J_GU-P01-Q001"],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C028","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C028 / A066","Substantive claim and exact source pinpoint":"S021, 15 USC §1679a, CROA: credit-repair organization turns on services/representations for improving consumer-report history/rating or related credit advice for payment, using interstate commerce/mails; enumerated exceptions include actual §501(c)(3)-qualified nonprofits, specified creditors and institutions.","Applicability, exceptions, consequence, confidence":"High for statutory text. Actual tax-exempt predicate required. Generic debt settlement or nonprofit label does not prove CROA inclusion or exclusion."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C028","researcher_claim":"S021, 15 USC §1679a, CROA: credit-repair organization turns on services/representations for improving consumer-report history/rating or related credit advice for payment, using interstate commerce/mails; enumerated exceptions include actual §501(c)(3)-qualified nonprofits, specified creditors and institutions.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C029","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C029 / A066","Substantive claim and exact source pinpoint":"S023/S024, 15 USC §§1679c–1679d: covered credit-repair providers have a prescribed precontract rights disclosure and a written contract with specific service, payment and performance/cancellation terms before services; §1679c specifies retention of signed acknowledgment.","Applicability, exceptions, consequence, confidence":"High for provisions; S023 edition-date reconciliation partial. Applicable only if CROA provider/service test passes."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C029","researcher_claim":"S023/S024, 15 USC §§1679c–1679d: covered credit-repair providers have a prescribed precontract rights disclosure and a written contract with specific service, payment and performance/cancellation terms before services; §1679c specifies retention of signed acknowledgment.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C030","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C030 / A066","Substantive claim and exact source pinpoint":"S022, 15 USC §1679b(b): a covered CRO may not demand/receive money before the agreed services have been fully performed.","Applicability, exceptions, consequence, confidence":"High. Separate from—and potentially more restrictive than—the TSR debt-relief fee-release mechanism when a business offers overlapping services."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C030","researcher_claim":"S022, 15 USC §1679b(b): a covered CRO may not demand/receive money before the agreed services have been fully performed.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C031","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C031 / A066","Substantive claim and exact source pinpoint":"S025, 15 USC §1679e: CROA grants the covered customer cancellation until midnight of the third business day after contract execution, with prescribed notice form.","Applicability, exceptions, consequence, confidence":"High for statute; no actual cancellation date computed without execution time and controlling day-count facts. It is not a universal Guam Chapter 7 right."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C031","researcher_claim":"S025, 15 USC §1679e: CROA grants the covered customer cancellation until midnight of the third business day after contract execution, with prescribed notice form.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C032","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C032 / A066","Substantive claim and exact source pinpoint":"S026–S028, 15 USC §§1679f–1679h: CROA addresses offending credit-repair contracts, consumer civil recovery and public enforcement, subject to provision-specific predicates and defenses.","Applicability, exceptions, consequence, confidence":"High for opened text; partial on Guam officer's exact §1679h “State” authorization. Contract consequence concerns credit-repair agreement, not the independent debt owed a creditor."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C032","researcher_claim":"S026–S028, 15 USC §§1679f–1679h: CROA addresses offending credit-repair contracts, consumer civil recovery and public enforcement, subject to provision-specific predicates and defenses.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C033","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C033 / A066","Substantive claim and exact source pinpoint":"S020, 12 USC §5481(4),(5),(15)(A)(viii),(27) defines CFPB consumer-financial-service and debt-settlement/credit-counseling gateways and includes Guam.","Applicability, exceptions, consequence, confidence":"High for definitions. Does not by itself establish a blanket Guam provider license, fee cap, enforcement suit, or individual damages cause."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C033","researcher_claim":"S020, 12 USC §5481(4),(5),(15)(A)(viii),(27) defines CFPB consumer-financial-service and debt-settlement/credit-counseling gateways and includes Guam.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C047","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C047 / A066","Substantive claim and exact source pinpoint":"S043, 16 CFR §310.5(a)–(g): covered sellers/telemarketers retain prescribed records generally five years, with special trigger rules, a manual-single-number-call field exception, prescribed time formats, conditioned errors defense, and seller/telemarketer allocation and succession duties.","Applicability, exceptions, consequence, confidence":"High for operative rule. Apply only if TSR governs and applicable record category is triggered; not an override of Guam §7108's distinct two-year minimum."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C047","researcher_claim":"S043, 16 CFR §310.5(a)–(g): covered sellers/telemarketers retain prescribed records generally five years, with special trigger rules, a manual-single-number-call field exception, prescribed time formats, conditioned errors defense, and seller/telemarketer allocation and succession duties.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C034","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C034 / A066","Substantive claim and exact source pinpoint":"S012, 5 GCA §§32103(a),(d),(k),(o),(p), 32201(b)(22),(25),(27): Guam consumer/deceptive-trade framework covers qualifying services and business consumers except specified $25 million asset cases and includes unauthorized-activity/deceptive-result/FTC-rule intersections.","Applicability, exceptions, consequence, confidence":"High for text. Business-purpose transactions are not universally excluded from Guam DTPA; precise merchant, consumer and exemption facts remain necessary."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C034","researcher_claim":"S012, 5 GCA §§32103(a),(d),(k),(o),(p), 32201(b)(22),(25),(27): Guam consumer/deceptive-trade framework covers qualifying services and business consumers except specified $25 million asset cases and includes unauthorized-activity/deceptive-result/FTC-rule intersections.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C035","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C035 / A066","Substantive claim and exact source pinpoint":"S012, §§32109–32114, 32120: conditioned consumer civil claims, costs/fees and damage measures; §32110's 30-day pre-suit demand applies in its specified private-damages setting; §32120 addresses a covered provider-service sale's enforceability on its own predicates.","Applicability, exceptions, consequence, confidence":"High on text; partial on litigation-specific damage/notice application. None of these provisions automatically voids an independent credit-card balance or existing judgment."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C035","researcher_claim":"S012, §§32109–32114, 32120: conditioned consumer civil claims, costs/fees and damage measures; §32110's 30-day pre-suit demand applies in its specified private-damages setting; §32120 addresses a covered provider-service sale's enforceability on its own predicates.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C036","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C036 / A066","Substantive claim and exact source pinpoint":"S005, §7112 makes willful Chapter 7 violation a misdemeanor; S010, §§70119–70120 separately concerns general business-license offenses/discipline; S012, §§32127, 32307 supplies specified Guam AG civil-penalty avenues.","Applicability, exceptions, consequence, confidence":"High for cited provisions. Criminal, administrative, government civil and privately recoverable remedies are separate. No automatic restitution/cancelled debt inferred."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C036","researcher_claim":"S005, §7112 makes willful Chapter 7 violation a misdemeanor; S010, §§70119–70120 separately concerns general business-license offenses/discipline; S012, §§32127, 32307 supplies specified Guam AG civil-penalty avenues.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C037","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C037 / A066","Substantive claim and exact source pinpoint":"S029, 15 USC §§6103–6104 provides statutory federal telemarketing public and narrowly conditioned private enforcement, including §6104's more-than-$50,000 actual-damages-per-person gate, pattern/practice, and timing restrictions.","Applicability, exceptions, consequence, confidence":"High for read section; partial on precise Guam official's authority under §6103 without separate status analysis. Ordinary single-contract disputes do not automatically meet §6104."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C037","researcher_claim":"S029, 15 USC §§6103–6104 provides statutory federal telemarketing public and narrowly conditioned private enforcement, including §6104's more-than-$50,000 actual-damages-per-person gate, pattern/practice, and timing restrictions.","coordinator_status":"part_selected_federal_gateway_other_sources_unreopened_hold","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C038","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C038 / A066","Substantive claim and exact source pinpoint":"S013, S033–S037, S044–S045 identify Guam AG consumer-complaint information, business-license administration, legal-assistance gateways and distinct federal bankruptcy counseling list.","Applicability, exceptions, consequence, confidence":"High as a description of opened public portals. No authenticated, public Chapter 7 roster/license-lookup procedure located or used; absence of a located feature is not proof of no roster."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C038","researcher_claim":"S013, S033–S037, S044–S045 identify Guam AG consumer-complaint information, business-license administration, legal-assistance gateways and distinct federal bankruptcy counseling list.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C039","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C039 / A066","Substantive claim and exact source pinpoint":"S038–S040 and bounded public web searches using the exact provider-statute citations did not locate a squarely on-point published provider enforcement or controlling merits decision in this pass.","Applicability, exceptions, consequence, confidence":"Limited negative search, not a statement that no litigation, enforcement, unpublished order, or interpretation exists. Court-search interface could not be fully queried."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C039","researcher_claim":"S038–S040 and bounded public web searches using the exact provider-statute citations did not locate a squarely on-point published provider enforcement or controlling merits decision in this pass.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C040","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C040 / A066","Substantive claim and exact source pinpoint":"S002–S005, S012, S030, S042 show different source-version cutoffs: Chapter 7 older compilation, 2021 Guam DTPA, 2023 federal Title 48 print, 2026 enactment index.","Applicability, exceptions, consequence, confidence":"Partial/HOLD against blanket latest-law certification. Enactment, signature, legal effective date, online incorporation, and prospective implementation are different facts."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C040","researcher_claim":"S002–S005, S012, S030, S042 show different source-version cutoffs: Chapter 7 older compilation, 2021 Guam DTPA, 2023 federal Title 48 print, 2026 enactment index.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C041","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C041 / A066","Substantive claim and exact source pinpoint":"S005, §§7102(1), 7109(2)–(4), 7110; S016, §310.4(a)(5)(i) distinguishes debtor-money distribution, negotiated individual settlements and creditor agreements.","Applicability, exceptions, consequence, confidence":"High for legal structural difference. A service-provider contract does not itself bind a creditor, discharge debt, or assure participation. Creditor assent and payment conditions control actual changes."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C041","researcher_claim":"S005, §§7102(1), 7109(2)–(4), 7110; S016, §310.4(a)(5)(i) distinguishes debtor-money distribution, negotiated individual settlements and creditor agreements.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C042","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C042 / A066","Substantive claim and exact source pinpoint":"S005, §§7102(2), 7103–7105; S019, 15 USC §44; S021, §1679a; S017, §310.6 contain different nonprofit, attorney, creditor and business classifications/exemptions.","Applicability, exceptions, consequence, confidence":"High for texts; application fact-dependent. Nonprofit status, attorney work, CROA §501(c)(3), and FTC jurisdiction cannot be collapsed into one universal exemption."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C042","researcher_claim":"S005, §§7102(2), 7103–7105; S019, 15 USC §44; S021, §1679a; S017, §310.6 contain different nonprofit, attorney, creditor and business classifications/exemptions.","coordinator_status":"part_selected_federal_gateway_other_sources_unreopened_hold","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C043","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C043 / A066","Substantive claim and exact source pinpoint":"S005, §7102(1) addresses individuals of the general public; S012, §32103 has broader qualified “consumer/business consumer”; S020 uses personal/family/household consumer definitions; S017, §310.6(b)(7) treats many business telemarketing calls differently.","Applicability, exceptions, consequence, confidence":"High for statutory definitions. Commercial accounts and actual lending need separate product/activity tests; no universal consumer/commercial treatment."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C043","researcher_claim":"S005, §7102(1) addresses individuals of the general public; S012, §32103 has broader qualified “consumer/business consumer”; S020 uses personal/family/household consumer definitions; S017, §310.6(b)(7) treats many business telemarketing calls differently.","coordinator_status":"part_selected_federal_gateway_other_sources_unreopened_hold","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C044","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C044 / A066","Substantive claim and exact source pinpoint":"S016, §310.4(a)(5)(i)(C)(1)–(2) supplies Example B's competing allocation formulas: $4,000 × ($4,000 / $20,000) = $800; $1,600 × 0.20 = $320.","Applicability, exceptions, consequence, confidence":"High mathematical arithmetic, conditional legal use. Inputs/rates are invented solely for hypothetical illustration, not statutory Guam amounts or normative prices. See clarification below regarding actually paid savings base."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C044","researcher_claim":"S016, §310.4(a)(5)(i)(C)(1)–(2) supplies Example B's competing allocation formulas: $4,000 × ($4,000 / $20,000) = $800; $1,600 × 0.20 = $320.","coordinator_status":"selected_federal_body_corroborated_with_applicability_holds","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C045","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C045 / A066","Substantive claim and exact source pinpoint":"S010, 11 GCA §§70119–70121, 70130–70131(a)–(e): consequences can include misdemeanor, license action, closure and specified asset restrictions after prescribed hearing, and inability to maintain a Guam court proceeding until licensed; §70131(e) preserves corporate acts and the right to defend.","Applicability, exceptions, consequence, confidence":"High for text, conditional on activity legally requiring the license and applicable process. It is wrong to infer an unlicensed firm's contracts are automatically void or that a consumer no longer owes creditors."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C045","researcher_claim":"S010, 11 GCA §§70119–70121, 70130–70131(a)–(e): consequences can include misdemeanor, license action, closure and specified asset restrictions after prescribed hearing, and inability to maintain a Guam court proceeding until licensed; §70131(e) preserves corporate acts and the right to defend.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C046","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C046 / A066","Substantive claim and exact source pinpoint":"Bounded official-category search in S005–S007, S011–S012, S036, S041–S042 located an actual nonprofit credit-counseling chapter and adjacent telemarketing/general-consumer rules, but no separately named general for-profit “Debt Settlement Provider License Act.”","Applicability, exceptions, consequence, confidence":"Classification NOT LOCATED, not “nonexistent”. Searches included debt settlement, debt adjustment, debt management, credit counseling, credit repair, consumer credit, telephonic seller, registration, bond, fees; inaccessible Chapter 6 and currentness gaps remain."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C046","researcher_claim":"Bounded official-category search in S005–S007, S011–S012, S036, S041–S042 located an actual nonprofit credit-counseling chapter and adjacent telemarketing/general-consumer rules, but no separately named general for-profit “Debt Settlement Provider License Act.”","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"J_GU-P01-C048","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID / project":"J_GU-P01-C048 / A066","Substantive claim and exact source pinpoint":"S044, DOJ UST Guam list, read with S031/S045, is a public list for pre-bankruptcy approved counseling providers, not a territorial commercial debt-settlement license.","Applicability, exceptions, consequence, confidence":"High for classification of list; no specific entity verified and no implication that all other statutory authorizations are present."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"claim_id":"J_GU-P01-C048","researcher_claim":"S044, DOJ UST Guam list, read with S031/S045, is a public list for pre-bankruptcy approved counseling providers, not a territorial commercial debt-settlement license.","coordinator_status":"original_primary_currentness_or_application_hold_retained","related_findings":[],"researcher_record_preserved":true,"all_underlying_primary_accepted":false,"actual_application_accepted":false,"already_saved_savings_clarification_retained":false},"coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"J_GU-P01-S001","urls":["https://col.guamcourts.gov/sites/default/files/1gc001.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S001 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler of Laws, 1 GCA §§100–102; online compilation dated March 18, 2024","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/1gc001.pdf","Access; exact bounds and limitations":"Operative text extracted; print pp. 1–3 / PDF P0–P2 of five-page file. Institutional codification rules, not confirmation that every 2026 enactment is incorporated."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S001","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/1gc001.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S002","urls":["https://col.guamcourts.gov/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S002 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler of Laws, official portal and update notices; compilation status as displayed","Full literal direct URL":"https://col.guamcourts.gov/","Access; exact bounds and limitations":"Opened HTML index/home. Update references require reconciliation with subsequently enacted laws; homepage publication date is not a legal effective date."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S002","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S003","urls":["https://guamlegislature.gov/public-laws/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S003 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Legislature, public-laws index, including listed 38th Legislature enactments through P.L. 38-145, dated October 17, 2026 in the list","Full literal direct URL":"https://guamlegislature.gov/public-laws/","Access; exact bounds and limitations":"Opened official HTML enactment index. Discovery/index only for individual public-law substance: underlying text of every potentially relevant later law was not read."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S003","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamlegislature.gov/public-laws/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S004","urls":["https://col.guamcourts.gov/sites/default/files/TOCSA%2038-133.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S004 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, Table of Code Sections Affected, 38th Legislature through P.L. 38-133","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/TOCSA%2038-133.pdf","Access; exact bounds and limitations":"Opened and examined code-section table; print pp. 1–6 / PDF P0–P5. Bounded search of Titles 5, 11, 14. It does not resolve laws enacted after P.L. 38-133 or unindexed changes."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S004","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/TOCSA%2038-133.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S005","urls":["https://col.guamcourts.gov/sites/default/files/14gc007.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S005 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 14 GCA Chapter 7, §§7101–7113, Nonprofit Consumer Credit Counseling Agencies; displayed COL120106; original enactment P.L. 9-253, September 4, 1968, effective June 30, 1969 per code annotation","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/14gc007.pdf","Access; exact bounds and limitations":"Complete operative chapter body extracted and read earlier this same research pass: print pp. 1–5 / PDF P0–P4; §§7101–7113 and exceptions. A subsequent repeated opening produced an intermittent tool-access error; no claim of pixel review or independently verified post-2006 consolidation."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S005","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/14gc007.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://col.guamcourts.gov/sites/default/files/14gc007.pdf","packet":"[internal evidence reference]","chunk":0,"packet_character_bounds":[0,251],"exact_unmodified_error_return":"Internal Error ()\nciteturn2580view0 [wordlim: 200] Source: open({\"ref_id\":\"https://col.guamcourts.gov/sites/default/files/14gc007.pdf\",\"lineno\":null}); \nURL https://col.guamcourts.gov/sites/default/files/14gc007.pdf is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S006","urls":["https://col.guamcourts.gov/sites/default/files/14gc001.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S006 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 14 GCA Chapter 1, including §§1201, 1301; displayed COL070307","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/14gc001.pdf","Access; exact bounds and limitations":"PDF text extracted; read relevant definition/scope passages print pp. 8–11 / PDF P7–P10 within 14-page document. Old compilation; later amendments not independently ruled out."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S006","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/14gc001.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S007","urls":["https://guamcourts.gov/CompilerofLaws/GCA/14gca/14gc006.PDF"],"researcher_record":{"Source ID / checked":"J_GU-P01-S007 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Courts former official URL, 14 GCA Chapter 6, including indexed §§6102–6113; status of specific operative wording unverified","Full literal direct URL":"https://guamcourts.gov/CompilerofLaws/GCA/14gca/14gc006.PDF","Access; exact bounds and limitations":"Not opened: direct URL inaccessible. Search-index excerpts discovered §6102 and §§6103–6104; excerpts are discovery only. Printed pages / PDF index: not verified. Do not treat wording about the Administrator or enforcement as independently established operative law."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S007","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamcourts.gov/CompilerofLaws/GCA/14gca/14gc006.PDF"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S008","urls":["https://col.guamcourts.gov/sites/default/files/15GAR001-1_2.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S008 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 15 GAR, savings-and-loan/consumer-credit administrative material including §2101(a); source marked 1997","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/15GAR001-1_2.pdf","Access; exact bounds and limitations":"PDF text extracted; print pp. 1–4 / PDF P0–P3, with §2101(a) on print p. 2 / P1. Historic agency-role evidence; not proof of a current, specialized Chapter 7 license regulation."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S008","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/15GAR001-1_2.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S009","urls":["https://col.guamcourts.gov/sites/default/files/11gc001.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S009 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 11 GCA Chapter 1, §§1103–1106, Department of Revenue and Taxation functions; compilation April 30, 2024","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/11gc001.pdf","Access; exact bounds and limitations":"Operative text extracted; relevant sections print pp. 1–3 / PDF P0–P2. Agency-function law; does not substitute for a Chapter 7-specific issuing rule."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S009","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/11gc001.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S010","urls":["https://col.guamcourts.gov/sites/default/files/11gc070.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S010 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 11 GCA Chapter 70, §§70101–70134, General Business License Law; compilation December 23, 2025; section annotations give distinct enactment/effective dates","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/11gc070.pdf","Access; exact bounds and limitations":"Operative PDF text opened; print pp. 1–11 / PDF P0–P10 selectively, including §§70103, 70109–70121, 70126, 70130–70131. §70131(e) appears at print p. 11 / P10. Other chapter provisions not comprehensively adjudicated."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S010","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/11gc070.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://col.guamcourts.gov/sites/default/files/11gc070.pdf","packet":"[internal evidence reference]","chunk":2,"packet_character_bounds":[664,919],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2580view2 [wordlim: 200] Source: open({\"ref_id\":\"https://col.guamcourts.gov/sites/default/files/11gc070.pdf\",\"lineno\":null}); \nFailed to fetch https://col.guamcourts.gov/sites/default/files/11gc070.pdf: (400) Timeout fetching","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S011","urls":["https://col.guamcourts.gov/sites/default/files/30GAR002-5_8.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S011 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 30 GAR, general business-license regulations; document identified as 1997 compilation","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/30GAR002-5_8.pdf","Access; exact bounds and limitations":"PDF text/index opened, print pp. 1–2 / PDF P0–P1 of 13 pages. Partial read, not verification of a current debt-counseling filing procedure or fee."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S011","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/30GAR002-5_8.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S012","urls":["https://col.guamcourts.gov/sites/default/files/5gc032.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S012 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 5 GCA Chapter 32, Guam Deceptive Trade Practices–Consumer Protection Act, Articles 1–3; compilation October 29, 2021; individual sections show enactment histories","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/5gc032.pdf","Access; exact bounds and limitations":"Operative PDF body extracted; selected provisions §§32103–32114, 32120, 32127, 32201, 32301–32308 read across print pp. 1–43 / PDF P0–P42 of 66-page file. §32301 print pp. 36–37 / P35–P36; §32302 print p. 37 onward / P36 onward. Not a full post-2021 amendment reconciliation."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S012","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/5gc032.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://col.guamcourts.gov/sites/default/files/5gc032.pdf","packet":"[internal evidence reference]","chunk":1,"packet_character_bounds":[331,584],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2580view1 [wordlim: 200] Source: open({\"ref_id\":\"https://col.guamcourts.gov/sites/default/files/5gc032.pdf\",\"lineno\":null}); \nFailed to fetch https://col.guamcourts.gov/sites/default/files/5gc032.pdf: (400) Timeout fetching","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S013","urls":["https://guamattorneygeneral.org/consumer-protection/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S013 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Office of the Attorney General, Consumer Protection Division public complaint and information portal","Full literal direct URL":"https://guamattorneygeneral.org/consumer-protection/","Access; exact bounds and limitations":"Opened official HTML agency guidance, not controlling statute. Current page contains some later-dated material; that material was not adopted as an October 26 event."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S013","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamattorneygeneral.org/consumer-protection/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S033","urls":["https://www.guamtax.com/help/help_biz.html"],"researcher_record":{"Source ID / checked":"J_GU-P01-S033 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Department of Revenue and Taxation, public business-license help/renewal page","Full literal direct URL":"https://www.guamtax.com/help/help_biz.html","Access; exact bounds and limitations":"Opened official HTML instructions. This is not a verified public, Chapter 7-specific, unauthenticated license lookup. No account accessed or license queried."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S033","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.guamtax.com/help/help_biz.html"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S036","urls":["https://col.guamcourts.gov/guam-administrative-rules-regulations/guam-administrative-rules-and-regulations"],"researcher_record":{"Source ID / checked":"J_GU-P01-S036 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, Guam Administrative Rules and Regulations title/index gateway","Full literal direct URL":"https://col.guamcourts.gov/guam-administrative-rules-regulations/guam-administrative-rules-and-regulations","Access; exact bounds and limitations":"Opened official HTML index; reviewed relevant title locations, including consumer-credit and business-license-related categories. Not equivalent to a complete text search of all current administrative rules."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S036","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/guam-administrative-rules-regulations/guam-administrative-rules-and-regulations"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S037","urls":["https://bsp.guam.gov/blpc/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S037 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Bureau of Statistics and Plans, Business License and Permit Center agency gateway","Full literal direct URL":"https://bsp.guam.gov/blpc/","Access; exact bounds and limitations":"Opened official HTML. General business-license process context only; no specialized authorization inferred."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S037","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://bsp.guam.gov/blpc/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S041","urls":["https://col.guamcourts.gov/sites/default/files/31GAR001-1_2.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S041 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, 31 GAR Office of Consumer Counsel material; indexed publication 1997","Full literal direct URL":"https://col.guamcourts.gov/sites/default/files/31GAR001-1_2.pdf","Access; exact bounds and limitations":"PDF text opened; 12-page file; selected index/procedural content, especially print pp. 1–2 / PDF P0–P1. Not affirmative authority for a Chapter 7 provider licensing regime."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S041","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/sites/default/files/31GAR001-1_2.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S042","urls":["https://col.guamcourts.gov/guam-code-annotated/guam-code-annotated"],"researcher_record":{"Source ID / checked":"J_GU-P01-S042 / 26 Oct","Issuer, exact authority, version/effective information":"Guam Compiler, Guam Code Annotated title/chapter index; lists 14 GCA Chapter 7","Full literal direct URL":"https://col.guamcourts.gov/guam-code-annotated/guam-code-annotated","Access; exact bounds and limitations":"Opened official HTML index and chapter links. Identifies repository and classifications; the index's compilation cutoff is not identical to the legislature's latest enacted-law list."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S042","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://col.guamcourts.gov/guam-code-annotated/guam-code-annotated"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S014","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"],"researcher_record":{"Source ID / checked":"J_GU-P01-S014 / 26 Oct","Issuer, exact authority, version/effective information":"Office of the Federal Register/eCFR, 16 CFR §310.2(o), (ff), (ii), TSR debt-relief, geographic and campaign definitions. eCFR shows Title 16 current through October 22, 2026, last title amendment October 19","Full literal direct URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Access; exact bounds and limitations":"Opened operative HTML section; no PDF pages. eCFR is authoritative but unofficial; rules have provision-specific effective histories."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S014","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"],"registered_original_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S015","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"],"researcher_record":{"Source ID / checked":"J_GU-P01-S015 / 26 Oct","Issuer, exact authority, version/effective information":"eCFR, 16 CFR §310.3(a)(1), (a)(2), prepayment debt-relief representations, disclosures and misrepresentations; same October 22 display","Full literal direct URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Access; exact bounds and limitations":"Opened operative HTML section, focusing on §310.3(a)(1)(viii)(A)–(D) and (a)(2)(x); no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S015","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"],"registered_original_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S016","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID / checked":"J_GU-P01-S016 / 26 Oct","Issuer, exact authority, version/effective information":"eCFR, 16 CFR §310.4(a)(2), (a)(5)(i)–(ii), telemarketed credit-repair and debt-relief fees/account requirements; October 22 display","Full literal direct URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Access; exact bounds and limitations":"Opened complete operative HTML section; exact debt provisions §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E). No PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S016","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"registered_original_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S017","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"Source ID / checked":"J_GU-P01-S017 / 26 Oct","Issuer, exact authority, version/effective information":"eCFR, 16 CFR §310.6(b), TSR exemptions and inbound/advertising carve-backs; October 22 display","Full literal direct URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Access; exact bounds and limitations":"Opened operative HTML section, especially §310.6(b)(3)–(7); no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S017","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"registered_original_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S018","urls":["https://uscode.house.gov/us/usc/119-121/t15/s6106/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S018 / 26 Oct","Issuer, exact authority, version/effective information":"U.S. House Office of Law Revision Counsel, 15 USC §6106(3)–(4), federal telemarketing definitions, including “State”; current U.S. Code release displayed through P.L. 119-121, October 9, 2026","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s6106/","Access; exact bounds and limitations":"Opened operative HTML statute, whole section; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S018","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://uscode.house.gov/us/usc/119-124/t15/s6106/"],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s6106/"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S019","urls":["https://uscode.house.gov/us/usc/119-121/t15/s44/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S019 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §44, Federal Trade Commission Act territorial commerce and corporation definitions; displayed through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s44/","Access; exact bounds and limitations":"Opened operative HTML statute, relevant definitions; no PDF pages. Nonprofit legal-form and actual-operation issues remain fact-dependent."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S019","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://uscode.house.gov/us/usc/119-124/t15/s44/"],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s44/"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S020","urls":["https://uscode.house.gov/us/usc/119-121/t12/s5481/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S020 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 12 USC §5481(4), (5), (15)(A)(viii), (27), CFPB geography and financial-product/service definitions; through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t12/s5481/","Access; exact bounds and limitations":"Opened operative HTML statute, whole relevant definitions; no PDF pages. Establishes a gateway, not an automatic license or private claim."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S020","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://uscode.house.gov/us/usc/119-124/t12/s5481/"],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t12/s5481/"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S021","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679a/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S021 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679a, Credit Repair Organizations Act (CROA) definitions and enumerated exceptions; displayed release through P.L. 119-120","Full literal direct URL":"https://uscode.house.gov/us/usc/119-120/t15/s1679a/","Access; exact bounds and limitations":"Opened operative HTML statute, entire definition/exemption provision; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S021","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-120/t15/s1679a/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679a/","packet":"[internal evidence reference]","chunk":2,"packet_character_bounds":[17402,17640],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2581view2 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679a/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679a/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S022","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1679b/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S022 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679b, CROA prohibited practices and advance fees; displayed through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s1679b/","Access; exact bounds and limitations":"Opened operative HTML statute, whole section; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S022","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s1679b/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679b/","packet":"[internal evidence reference]","chunk":0,"packet_character_bounds":[0,237],"exact_unmodified_error_return":"Internal Error ()\nciteturn2584view0 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679b/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679b/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S023","urls":["https://www.govinfo.gov/link/uscode/15/1679c"],"researcher_record":{"Source ID / checked":"J_GU-P01-S023 / 26 Oct","Issuer, exact authority, version/effective information":"U.S. Government Publishing Office, 15 USC §1679c, CROA precontract disclosure and signed-copy retention","Full literal direct URL":"https://www.govinfo.gov/link/uscode/15/1679c","Access; exact bounds and limitations":"Official U.S. Code PDF text, printed p. 1553 / PDF P0 of returned section file. Extraction only, no pixel review; edition year not independently resolved from opened section, so confirm version before publication."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S023","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.govinfo.gov/link/uscode/15/1679c"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S024","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679d/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S024 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679d, CROA written-service-contract prerequisites; through P.L. 119-120","Full literal direct URL":"https://uscode.house.gov/us/usc/119-120/t15/s1679d/","Access; exact bounds and limitations":"Opened operative HTML statute, full section; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S024","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-120/t15/s1679d/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/","packet":"[internal evidence reference]","chunk":1,"packet_character_bounds":[317,555],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2584view1 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679d/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679d/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S025","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1679e/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S025 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679e, CROA cancellation notice and three-business-day right; through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s1679e/","Access; exact bounds and limitations":"Opened operative HTML statute, full section; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S025","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s1679e/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/","packet":"[internal evidence reference]","chunk":2,"packet_character_bounds":[635,873],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2584view2 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679e/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679e/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S026","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1679f/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S026 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679f, CROA noncompliant contracts and antiwaiver; through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s1679f/","Access; exact bounds and limitations":"Opened operative HTML statute, full section; no PDF pages. Does not cancel an independent underlying debt."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S026","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s1679f/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/","packet":"[internal evidence reference]","chunk":3,"packet_character_bounds":[953,1191],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2584view3 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679f/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679f/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S027","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1679g/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S027 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679g, CROA civil-liability measures and attorney-fee predicates; through P.L. 119-121","Full literal direct URL":"https://uscode.house.gov/us/usc/119-121/t15/s1679g/","Access; exact bounds and limitations":"Opened operative HTML statute, full section; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S027","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-121/t15/s1679g/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t15/s1679g/","packet":"[internal evidence reference]","chunk":4,"packet_character_bounds":[1271,1509],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2584view4 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t15/s1679g/\",\"lineno\":null}); \nURL https://uscode.house.gov/us/usc/119-124/t15/s1679g/ is not accessible via this tool.","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S028","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679h/"],"researcher_record":{"Source ID / checked":"J_GU-P01-S028 / 26 Oct","Issuer, exact authority, version/effective information":"OLRC, 15 USC §1679h, CROA FTC/state official enforcement; displayed through P.L. 119-120","Full literal direct URL":"https://uscode.house.gov/us/usc/119-120/t15/s1679h/","Access; exact bounds and limitations":"Opened operative HTML statute, whole section; no PDF pages. Separate geographic/enforcement definitions need verification before attributing a specific §1679h action to Guam's AG."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S028","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://uscode.house.gov/us/usc/119-120/t15/s1679h/"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S029","urls":["https://www.govinfo.gov/link/uscode/15/6104"],"researcher_record":{"Source ID / checked":"J_GU-P01-S029 / 26 Oct","Issuer, exact authority, version/effective information":"GPO, 15 USC §§6103–6104, federal telemarketing civil enforcement, state-attorney-general and private-suit provisions","Full literal direct URL":"https://www.govinfo.gov/link/uscode/15/6104","Access; exact bounds and limitations":"Official U.S. Code PDF text, printed pp. 2222–2223 / PDF P0–P1 of returned file; text extracted, not pixel-reviewed. Edition year not independently resolved in section output."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S029","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://uscode.house.gov/us/usc/119-124/t15/s6104/"],"registered_original_URLs":["https://www.govinfo.gov/link/uscode/15/6104"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S030","urls":["https://www.govinfo.gov/content/pkg/USCODE-2023-title48/pdf/USCODE-2023-title48.pdf"],"researcher_record":{"Source ID / checked":"J_GU-P01-S030 / 26 Oct","Issuer, exact authority, version/effective information":"GPO, 2023 U.S. Code, Title 48, §§1424, 1424-1–1424-3, Organic Act and Guam court structure","Full literal direct URL":"https://www.govinfo.gov/content/pkg/USCODE-2023-title48/pdf/USCODE-2023-title48.pdf","Access; exact bounds and limitations":"2023 historical statutory edition, not asserted current through 2026. Relevant printed pp. 115–117 / PDF P114–P116 in 367-page Title 48 PDF; machine text extracted, not pixel-reviewed."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S030","coordinator_status":"fresh_access_failed_original_holds_retained","fresh_successful_URLs":[],"registered_original_URLs":["https://www.govinfo.gov/content/pkg/USCODE-2023-title48/pdf/USCODE-2023-title48.pdf"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[{"URL":"https://uscode.house.gov/us/usc/119-124/t48/s1424/","packet":"[internal evidence reference]","chunk":1,"packet_character_bounds":[9249,9476],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2589view1 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t48/s1424/\",\"lineno\":null}); \nFailed to fetch https://uscode.house.gov/us/usc/119-124/t48/s1424/: Cache miss","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true},{"URL":"https://uscode.house.gov/us/usc/119-124/t48/s1424-1/","packet":"[internal evidence reference]","chunk":2,"packet_character_bounds":[9556,9787],"exact_unmodified_error_return":"\nInternal Error ()\nciteturn2589view2 [wordlim: 200] Source: open({\"ref_id\":\"https://uscode.house.gov/us/usc/119-124/t48/s1424-1/\",\"lineno\":null}); \nFailed to fetch https://uscode.house.gov/us/usc/119-124/t48/s1424-1/: Cache miss","attempt_count":1,"no_retry_or_access_workaround":true,"not_absence_repeal_or_error_finding":true}],"result":"One or more fresh generic primary attempts failed; exact original researcher record preserved; no underlying claim adjudicated false or absent.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S031","urls":["https://www.gud.uscourts.gov/bankruptcy-division"],"researcher_record":{"Source ID / checked":"J_GU-P01-S031 / 26 Oct","Issuer, exact authority, version/effective information":"U.S. District Court of Guam, Bankruptcy Division, citing Organic Act 48 USC §1424(b)","Full literal direct URL":"https://www.gud.uscourts.gov/bankruptcy-division","Access; exact bounds and limitations":"Opened official HTML court guidance. Bankruptcy-jurisdiction gateway only, not ordinary provider approval."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S031","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.gud.uscourts.gov/bankruptcy-division"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S032","urls":["https://www.justice.gov/ust/credit-counseling-by-district/district-of-Guam"],"researcher_record":{"Source ID / checked":"J_GU-P01-S032 / 26 Oct","Issuer, exact authority, version/effective information":"U.S. Trustee Program, district-filtered credit-counseling query","Full literal direct URL":"https://www.justice.gov/ust/credit-counseling-by-district/district-of-Guam","Access; exact bounds and limitations":"Opened HTML query view; it returned an empty/“no providers matching” result on this path. Do not infer there are no federally approved Guam-serving agencies; see the separately opened official state/territory list S044."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S032","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.justice.gov/ust/credit-counseling-by-district/district-of-Guam"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S043","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5"],"researcher_record":{"Source ID / checked":"J_GU-P01-S043 / 26 Oct","Issuer, exact authority, version/effective information":"eCFR, 16 CFR §310.5(a)–(g), TSR recordkeeping; displayed current through October 22, 2026, source note 89 FR 26784 (April 16, 2024)","Full literal direct URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5","Access; exact bounds and limitations":"Opened complete operative HTML section, including five-year triggers, manual-call exception, UTC timestamps, §310.5(d) error defense, (e) outsourced records, (f) succession; no PDF pages."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S043","coordinator_status":"selected_federal_primary_compared_with_limits","fresh_successful_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5"],"registered_original_URLs":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.5"],"current_release_supplement_does_not_reclassify_original":true,"fresh_failures":[],"result":"Selected current generic federal primary text compared, with original source versions and all unexamined linked/adjacent/application limits retained.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S044","urls":["https://www.justice.gov/ust/credit-counseling-by-state/Guam"],"researcher_record":{"Source ID / checked":"J_GU-P01-S044 / 26 Oct","Issuer, exact authority, version/effective information":"U.S. Department of Justice, U.S. Trustee Program, Credit counseling agencies — Guam","Full literal direct URL":"https://www.justice.gov/ust/credit-counseling-by-state/Guam","Access; exact bounds and limitations":"Opened official HTML public approval list, including delivery methods. No entity-specific inquiry. The visible list is for the federal bankruptcy counseling system, not Guam Chapter 7 provider registration."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S044","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.justice.gov/ust/credit-counseling-by-state/Guam"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S034","urls":["https://guambar.org/civil-indigent-legal-assistance-reference-guide"],"researcher_record":{"Source ID / checked":"J_GU-P01-S034 / 26 Oct","Issuer, exact authority or resource":"Guam Bar Association, Civil Indigent Legal Assistance Reference Guide, page dated March 7, 2025","Full literal direct URL":"https://guambar.org/civil-indigent-legal-assistance-reference-guide","Access; exact bounds and limitations":"Opened HTML public resource; eligibility and services require separate verification. No contact made."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S034","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guambar.org/civil-indigent-legal-assistance-reference-guide"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S035","urls":["https://guamcourts.gov/quick-assist/quick-assist/find-lawyer"],"researcher_record":{"Source ID / checked":"J_GU-P01-S035 / 26 Oct","Issuer, exact authority or resource":"Guam Judiciary, Find a Lawyer / assistance public resource","Full literal direct URL":"https://guamcourts.gov/quick-assist/quick-assist/find-lawyer","Access; exact bounds and limitations":"Opened HTML public resource; not attorney endorsement or provider license verification."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S035","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamcourts.gov/quick-assist/quick-assist/find-lawyer"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S038","urls":["https://guamcourts.gov/courts-council/supreme-court/opinions"],"researcher_record":{"Source ID / checked":"J_GU-P01-S038 / 26 Oct","Issuer, exact authority or resource":"Guam Judiciary, Supreme Court opinions index","Full literal direct URL":"https://guamcourts.gov/courts-council/supreme-court/opinions","Access; exact bounds and limitations":"Opened HTML case index; bounded public-index searches for 14 GCA § 7103, 14 GCA § 7111, and credit counseling agency produced no squarely on-point decision located. Not exhaustive; not a representation that none exists."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S038","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamcourts.gov/courts-council/supreme-court/opinions"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S039","urls":["https://guamcourts.gov/courts-council/superior-court/decisions-and-orders"],"researcher_record":{"Source ID / checked":"J_GU-P01-S039 / 26 Oct","Issuer, exact authority or resource":"Guam Judiciary, Superior Court decisions and orders index","Full literal direct URL":"https://guamcourts.gov/courts-council/superior-court/decisions-and-orders","Access; exact bounds and limitations":"Opened HTML index. No exhaustive docket search or review of unpublished/provider-specific proceedings."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S039","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://guamcourts.gov/courts-council/superior-court/decisions-and-orders"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S040","urls":["https://www.guamcourts.gov/Search/search.html"],"researcher_record":{"Source ID / checked":"J_GU-P01-S040 / 26 Oct","Issuer, exact authority or resource":"Guam Judiciary, official search interface","Full literal direct URL":"https://www.guamcourts.gov/Search/search.html","Access; exact bounds and limitations":"Opened but search body was not extractable through the tool. No court-wide negative finding inferred."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S040","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.guamcourts.gov/Search/search.html"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"J_GU-P01-S045","urls":["https://www.gud.uscourts.gov/filing-bankruptcy"],"researcher_record":{"Source ID / checked":"J_GU-P01-S045 / 26 Oct","Issuer, exact authority or resource":"U.S. District Court of Guam, Filing Bankruptcy public resource and official U.S. Trustee links","Full literal direct URL":"https://www.gud.uscourts.gov/filing-bankruptcy","Access; exact bounds and limitations":"Opened official HTML; “Pre-petition” approved-credit-counselor link and separate “Post-petition” education link. Scope is bankruptcy information only."},"coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds","id_normalization":"ExactIDsubstringfromresearcherlabel; date/project suffix retained in verbatim researcher_record, mechanicalonly/no newclaim.","coordinator_review":{"source_id":"J_GU-P01-S045","coordinator_status":"original_source_unreopened_hold","fresh_successful_URLs":[],"registered_original_URLs":["https://www.gud.uscourts.gov/filing-bankruptcy"],"current_release_supplement_does_not_reclassify_original":false,"fresh_failures":[],"result":"Original source/index/guidance/search/historical/secondary or partial record read as part of complete report, not freshly reopened or recertified.","complete_primary_group_accepted":false,"actual_application_accepted":false,"all_holds":["Fresh central Guam14GCAchapter7,5GCAchapter32and11GCAchapter70PDFrequests each failed once. Historical researcher primary text/exceptions/source claims remain attributed; none is recertified as current coordinator-opened territorial body. No retry, mirror, download, route workaround, absence/repeal/error inference or PDFpixels.","Fresh current OLRC1679a/b/d/e/f/gURLs each failed once. Original119-120/119-121and Govinfo1679c edition/method records are unchanged, not silently reclassified. CROAdefinitions/exemptions,fees/contracts/cancellation/antiwaiver/civil/publicremedies and every clause/currentness/application limit remain held; no alternate-release/mirror workaround.","Fresh current1424and1424-1URLs each failed once with cachemiss. Original2023Title48edition/printed115-117/PDF114-116and researcher court-guidance attribution remain historical. No full current OrganicAct/appellaterouting/bankruptcy/application acceptance;1424-2/-3not reopened.","Original Chapter6formerURLinaccessibility,1997GAR15/30/31selected reads,current Administrator/delegation/Councilendorsement/form/approval/renewal,agencyfee schedules,bond/networth/insurance/examination/reporting/lookup and implementing-rule gaps remain. Negative searches remain bounded historical discovery, never proof of unregulated conduct or inexistence.","No late2026enactment/index/TOCSA/currentness audit was completed. OriginalCOL120106chapter7,2021DTPA,December2025businesslicense,TOCSA38-133andlater38-145index cutoffs/effective-date differences remain. Original chapter7intermittent failure followed by later successful researcher reopening is preserved as history, not this coordinator recovery.","Fresh eCFRTitle16banner says throughOctober27,2026,lasttitleamendmentOctober19. OriginalOctober22/October19snapshot remains provenance; title metadata is not an individual clause amendment/effective date. OLRCsuccesses display119-124October15; original119-120/121and Govinfo unresolved edition records remain unchanged.","Only selected financialadvisory/consumer/State5481clauses and complete6106/44definitions were compared. Guam geography does not establish every federal agency/enforcement/private-cause exemption or operational power.6103and CROAstate-officer authority remain unverified. No generic private TSRroute is accepted without6104pattern/practice,greater-than50000actualdamages-per-person,3yeardiscovery,notice,pendency and other predicates.","GuamChapter7remote/commercial/secured/hybrid/attorney/nonprofit/creditor/bank/employee/title/financialmanagement exclusions require their exact facts/current texts. GuamArticle3signed-contract-definition tension,registration timing/fees/nonresident/changes,and DTPAstanding/consumer/assets/pre-suitnotice/reliance/damages/enforceability/penalties stay unreopened/application-held. No automatic debt cancellation,consumer recovery,license,reciprocity,feepermission or creditor assent.","Original publiccourtindexes/searchinterface,code case annotations,and provider-enforcement negative-search limits are not recertified. No case,person,provider,account,borrower,license,contract,private record or directory entity was investigated; no actual authorization found/refused or complaint submitted. Public legal-assistance/USTlist/DRTportal availability and eligibility remain dated attribution.","The existing savings clarification afterC044already supplies the later complete2400payment assumption and distinguishes the first200installment. Preserve that supported research; do not label320arithmetically wrong or invent another savings rate/base. An optional local cross-reference could improve reading but is not an additional material defect. No actual creditor balance,earnedfee,refund,interest,rate,calendar/holiday or contract result accepted.","All six deferred parent dimensions remain excluded except narrow intersections:collection/validation/reporting,limitations/revival,litigation/default/judgments,garnishment/exemptions,special/secured/medical/rent/utilities/tax,and broader vulnerableconsumers/local/tribal/country. Component/territory/state/parent/A066,operational/compliance/publication acceptance is not given.","New ChatGPTgeneration/correctionSends/modelprobes/browser/CUA/tabs/HUMANactivity/APIs/accounts/purchases/contacts/filings/newscenarios/agents remain paused/not performed. Only exclusiveJ_GUpass01/review/artifact paths changed. Shared parent/history/index/register/tasks/route/model/automation writes remain root-only; proposed history appears only in completion."]},"coordinator_review_file":"[internal evidence reference]"}],"coverage":[{"topic":"1.1 Official legislature and enacted-law repository","researcher_record":{"Subissue":"1.1 Official legislature and enacted-law repository","Status":"Answered","Finding location / claims":"Jurisdiction map; S003; C001–C002","Missing evidence and next focused action":"Obtain actual texts of any later public laws affecting the identified titles before final publication."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":0,"topic":"1.1 Official legislature and enacted-law repository","original_status":"Answered","original_record":{"Subissue":"1.1 Official legislature and enacted-law repository","Status":"Answered","Finding location / claims":"Jurisdiction map; S003; C001–C002","Missing evidence and next focused action":"Obtain actual texts of any later public laws affecting the identified titles before final publication."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.2 Official code/compiler authority","researcher_record":{"Subissue":"1.2 Official code/compiler authority","Status":"Answered","Finding location / claims":"S001, S002, S042; C001","Missing evidence and next focused action":"No inference that the most recently indexed public law is already incorporated in each PDF."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":1,"topic":"1.2 Official code/compiler authority","original_status":"Answered","original_record":{"Subissue":"1.2 Official code/compiler authority","Status":"Answered","Finding location / claims":"S001, S002, S042; C001","Missing evidence and next focused action":"No inference that the most recently indexed public law is already incorporated in each PDF."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.3 Guam regulations and responsible rule repositories","researcher_record":{"Subissue":"1.3 Guam regulations and responsible rule repositories","Status":"Partial","Finding location / claims":"S008, S011, S036, S041; C017–C018","Missing evidence and next focused action":"Verify complete, currently effective rules governing Chapter 7 notices, fee schedules, bonds, and supervision."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":2,"topic":"1.3 Guam regulations and responsible rule repositories","original_status":"Partial","original_record":{"Subissue":"1.3 Guam regulations and responsible rule repositories","Status":"Partial","Finding location / claims":"S008, S011, S036, S041; C017–C018","Missing evidence and next focused action":"Verify complete, currently effective rules governing Chapter 7 notices, fee schedules, bonds, and supervision."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility","researcher_record":{"Subissue":"1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility","Status":"Partial","Finding location / claims":"S005 §§7104, 7106–7111; S008–S009, S013; C009–C010, C017","Missing evidence and next focused action":"Open current 14 GCA Chapter 6; determine actual present Administrator, delegated functions, and whether original Council endorsement process has superseding implementation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":3,"topic":"1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility","original_status":"Partial","original_record":{"Subissue":"1.4 DRT, UCCC Administrator, AG, Judicial Council division of responsibility","Status":"Partial","Finding location / claims":"S005 §§7104, 7106–7111; S008–S009, S013; C009–C010, C017","Missing evidence and next focused action":"Open current 14 GCA Chapter 6; determine actual present Administrator, delegated functions, and whether original Council endorsement process has superseding implementation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.5 Territorial court hierarchy and appellate structure","researcher_record":{"Subissue":"1.5 Territorial court hierarchy and appellate structure","Status":"Partial","Finding location / claims":"S001, S030, S038–S040; C003","Missing evidence and next focused action":"Validate the current Organic Act text and any controlling jurisdictional decisions beyond the 2023 codified edition."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":4,"topic":"1.5 Territorial court hierarchy and appellate structure","original_status":"Partial","original_record":{"Subissue":"1.5 Territorial court hierarchy and appellate structure","Status":"Partial","Finding location / claims":"S001, S030, S038–S040; C003","Missing evidence and next focused action":"Validate the current Organic Act text and any controlling jurisdictional decisions beyond the 2023 codified edition."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.6 Enacted versus proposed, historical, amended, prospective","researcher_record":{"Subissue":"1.6 Enacted versus proposed, historical, amended, prospective","Status":"Partial","Finding location / claims":"S003–S005, S010, S012; C002, C040","Missing evidence and next focused action":"Section-by-section reconciliation against P.L. 38-134 through P.L. 38-145, plus relevant earlier uncaptured amendments and effective clauses. No proposal treated as enacted."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":5,"topic":"1.6 Enacted versus proposed, historical, amended, prospective","original_status":"Partial","original_record":{"Subissue":"1.6 Enacted versus proposed, historical, amended, prospective","Status":"Partial","Finding location / claims":"S003–S005, S010, S012; C002, C040","Missing evidence and next focused action":"Section-by-section reconciliation against P.L. 38-134 through P.L. 38-145, plus relevant earlier uncaptured amendments and effective clauses. No proposal treated as enacted."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.7 Publication/update date versus effective date","researcher_record":{"Subissue":"1.7 Publication/update date versus effective date","Status":"Answered","Finding location / claims":"S004–S005, S010; C002, C040","Missing evidence and next focused action":"The distinction is established; underlying later-law effective dates remain to be verified individually."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":6,"topic":"1.7 Publication/update date versus effective date","original_status":"Answered","original_record":{"Subissue":"1.7 Publication/update date versus effective date","Status":"Answered","Finding location / claims":"S004–S005, S010; C002, C040","Missing evidence and next focused action":"The distinction is established; underlying later-law effective dates remain to be verified individually."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.8 Federal TSR geographic gateway","researcher_record":{"Subissue":"1.8 Federal TSR geographic gateway","Status":"Answered","Finding location / claims":"S014, S018–S019; C004, C022","Missing evidence and next focused action":"Campaign conduct and §310.6 exclusions still require facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":7,"topic":"1.8 Federal TSR geographic gateway","original_status":"Answered","original_record":{"Subissue":"1.8 Federal TSR geographic gateway","Status":"Answered","Finding location / claims":"S014, S018–S019; C004, C022","Missing evidence and next focused action":"Campaign conduct and §310.6 exclusions still require facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.9 Federal CROA and CFPB geographic/scope gateways","researcher_record":{"Subissue":"1.9 Federal CROA and CFPB geographic/scope gateways","Status":"Partial","Finding location / claims":"S020–S028; C004, C028, C033","Missing evidence and next focused action":"CROA's Guam-specific state-officer enforcement route requires further statutory interpretation; do not conflate it with CROA's consumer/service definitions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":8,"topic":"1.9 Federal CROA and CFPB geographic/scope gateways","original_status":"Partial","original_record":{"Subissue":"1.9 Federal CROA and CFPB geographic/scope gateways","Status":"Partial","Finding location / claims":"S020–S028; C004, C028, C033","Missing evidence and next focused action":"CROA's Guam-specific state-officer enforcement route requires further statutory interpretation; do not conflate it with CROA's consumer/service definitions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.10 Bankruptcy jurisdiction gateway","researcher_record":{"Subissue":"1.10 Bankruptcy jurisdiction gateway","Status":"Answered","Finding location / claims":"S030–S032, S044–S045; C005, C048","Missing evidence and next focused action":"Full bankruptcy eligibility, counseling exceptions, filing and discharge rules are outside this pass."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":9,"topic":"1.10 Bankruptcy jurisdiction gateway","original_status":"Answered","original_record":{"Subissue":"1.10 Bankruptcy jurisdiction gateway","Status":"Answered","Finding location / claims":"S030–S032, S044–S045; C005, C048","Missing evidence and next focused action":"Full bankruptcy eligibility, counseling exceptions, filing and discharge rules are outside this pass."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.11 Territorial enforcement versus federal agency versus private action","researcher_record":{"Subissue":"1.11 Territorial enforcement versus federal agency versus private action","Status":"Partial","Finding location / claims":"C032–C037, C045","Missing evidence and next focused action":"Relevant routes separated; unavailable current Chapter 6 and certain Guam federal-state enforcement predicates prevent complete administrative mapping."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":10,"topic":"1.11 Territorial enforcement versus federal agency versus private action","original_status":"Partial","original_record":{"Subissue":"1.11 Territorial enforcement versus federal agency versus private action","Status":"Partial","Finding location / claims":"C032–C037, C045","Missing evidence and next focused action":"Relevant routes separated; unavailable current Chapter 6 and certain Guam federal-state enforcement predicates prevent complete administrative mapping."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"1.12 No automatic mainland-state or universal federal rule","researcher_record":{"Subissue":"1.12 No automatic mainland-state or universal federal rule","Status":"Answered","Finding location / claims":"Applicability matrix; C004, C011–C012, C022–C023, C042–C043","Missing evidence and next focused action":"Each statute's own defined activity, territory, exemptions and remedy remain controlling."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":11,"topic":"1.12 No automatic mainland-state or universal federal rule","original_status":"Answered","original_record":{"Subissue":"1.12 No automatic mainland-state or universal federal rule","Status":"Answered","Finding location / claims":"Applicability matrix; C004, C011–C012, C022–C023, C042–C043","Missing evidence and next focused action":"Each statute's own defined activity, territory, exemptions and remedy remain controlling."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.1 Exact Chapter 7 “credit counseling” definition","researcher_record":{"Subissue":"2.1 Exact Chapter 7 “credit counseling” definition","Status":"Answered","Finding location / claims":"S005 §7102(1); C006","Missing evidence and next focused action":"Apply each alternative branch to actual services separately."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":12,"topic":"2.1 Exact Chapter 7 “credit counseling” definition","original_status":"Answered","original_record":{"Subissue":"2.1 Exact Chapter 7 “credit counseling” definition","Status":"Answered","Finding location / claims":"S005 §7102(1); C006","Missing evidence and next focused action":"Apply each alternative branch to actual services separately."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.2 Five express definition exclusions","researcher_record":{"Subissue":"2.2 Five express definition exclusions","Status":"Answered","Finding location / claims":"S005 §7102(2)(a)–(e); C007","Missing evidence and next focused action":"Predicate facts required; no exemption by superficial similarity."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":13,"topic":"2.2 Five express definition exclusions","original_status":"Answered","original_record":{"Subissue":"2.2 Five express definition exclusions","Status":"Answered","Finding location / claims":"S005 §7102(2)(a)–(e); C007","Missing evidence and next focused action":"Predicate facts required; no exemption by superficial similarity."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.3 Debt negotiation/settlement for existing consumer debt","researcher_record":{"Subissue":"2.3 Debt negotiation/settlement for existing consumer debt","Status":"Partial","Finding location / claims":"S005 §§7102(1), 7103; C006, C008, C041","Missing evidence and next focused action":"Chapter 7's broad debtor-agent language establishes a serious classification issue; specific nonresident reach and hybrid service cases need adjudication."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":14,"topic":"2.3 Debt negotiation/settlement for existing consumer debt","original_status":"Partial","original_record":{"Subissue":"2.3 Debt negotiation/settlement for existing consumer debt","Status":"Partial","Finding location / claims":"S005 §§7102(1), 7103; C006, C008, C041","Missing evidence and next focused action":"Chapter 7's broad debtor-agent language establishes a serious classification issue; specific nonresident reach and hybrid service cases need adjudication."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.4 DMP and creditor-payment distribution","researcher_record":{"Subissue":"2.4 DMP and creditor-payment distribution","Status":"Answered","Finding location / claims":"S005 §§7102(1), 7109(2)–(4), 7110; C006, C020, C041","Missing evidence and next focused action":"Actual disbursement authority and creditor consent remain contract/fact questions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":15,"topic":"2.4 DMP and creditor-payment distribution","original_status":"Answered","original_record":{"Subissue":"2.4 DMP and creditor-payment distribution","Status":"Answered","Finding location / claims":"S005 §§7102(1), 7109(2)–(4), 7110; C006, C020, C041","Missing evidence and next focused action":"Actual disbursement authority and creditor consent remain contract/fact questions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.5 Credit education without negotiation or funds","researcher_record":{"Subissue":"2.5 Credit education without negotiation or funds","Status":"Partial","Finding location / claims":"S005 §§7102(1)–(2), 7109(7)–(8); C006–C007","Missing evidence and next focused action":"Determine when the specific education falls within specialized hardship counseling versus an excluded program."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":16,"topic":"2.5 Credit education without negotiation or funds","original_status":"Partial","original_record":{"Subissue":"2.5 Credit education without negotiation or funds","Status":"Partial","Finding location / claims":"S005 §§7102(1)–(2), 7109(7)–(8); C006–C007","Missing evidence and next focused action":"Determine when the specific education falls within specialized hardship counseling versus an excluded program."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.6 Credit repair/credit-services representations","researcher_record":{"Subissue":"2.6 Credit repair/credit-services representations","Status":"Partial","Finding location / claims":"S016, S021–S025; C027–C031","Missing evidence and next focused action":"Federal overlap mapped. A standalone Guam-specific credit-services provider enactment was NOT LOCATED in bounded official search; broader code/GAR verification remains."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":17,"topic":"2.6 Credit repair/credit-services representations","original_status":"Partial","original_record":{"Subissue":"2.6 Credit repair/credit-services representations","Status":"Partial","Finding location / claims":"S016, S021–S025; C027–C031","Missing evidence and next focused action":"Federal overlap mapped. A standalone Guam-specific credit-services provider enactment was NOT LOCATED in bounded official search; broader code/GAR verification remains."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.7 Debt consolidation/refinancing by an actual lender","researcher_record":{"Subissue":"2.7 Debt consolidation/refinancing by an actual lender","Status":"Partial","Finding location / claims":"S005 §7102(2)(c); S020; C007, C033, C043","Missing evidence and next focused action":"An actual loan is not automatically debtor-side negotiation; product-specific lender licensing and underwriting rules are beyond this component."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":18,"topic":"2.7 Debt consolidation/refinancing by an actual lender","original_status":"Partial","original_record":{"Subissue":"2.7 Debt consolidation/refinancing by an actual lender","Status":"Partial","Finding location / claims":"S005 §7102(2)(c); S020; C007, C033, C043","Missing evidence and next focused action":"An actual loan is not automatically debtor-side negotiation; product-specific lender licensing and underwriting rules are beyond this component."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.8 Creditor collecting its own existing debt","researcher_record":{"Subissue":"2.8 Creditor collecting its own existing debt","Status":"Answered","Finding location / claims":"S005 §7102(2)(c), S010 §70103(e)(8), S021 §1679a(3)(B)(ii); C007, C011, C028","Missing evidence and next focused action":"These are different narrowly worded exclusions. They do not exempt a paid third-party debtor representative."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":19,"topic":"2.8 Creditor collecting its own existing debt","original_status":"Answered","original_record":{"Subissue":"2.8 Creditor collecting its own existing debt","Status":"Answered","Finding location / claims":"S005 §7102(2)(c), S010 §70103(e)(8), S021 §1679a(3)(B)(ii); C007, C011, C028","Missing evidence and next focused action":"These are different narrowly worded exclusions. They do not exempt a paid third-party debtor representative."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications","researcher_record":{"Subissue":"2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications","Status":"Answered","Finding location / claims":"S005 §§7102–7103; C007–C008, C042","Missing evidence and next focused action":"Each exception requires its own specified role/activity/organization predicates."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":20,"topic":"2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications","original_status":"Answered","original_record":{"Subissue":"2.9 Attorney, nonprofit, employee, creditor, title/escrow classifications","Status":"Answered","Finding location / claims":"S005 §§7102–7103; C007–C008, C042","Missing evidence and next focused action":"Each exception requires its own specified role/activity/organization predicates."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.10 Individuals, commercial accounts, secured/unsecured","researcher_record":{"Subissue":"2.10 Individuals, commercial accounts, secured/unsecured","Status":"Partial","Finding location / claims":"S005 §7102, S012 §32103, S020 §5481, S021 §1679a; C006, C034, C043","Missing evidence and next focused action":"Chapter 7's individual-and-credit language is established; it is not a universal unsecured-only restriction. Secured-product-specific law remains deferred."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":21,"topic":"2.10 Individuals, commercial accounts, secured/unsecured","original_status":"Partial","original_record":{"Subissue":"2.10 Individuals, commercial accounts, secured/unsecured","Status":"Partial","Finding location / claims":"S005 §7102, S012 §32103, S020 §5481, S021 §1679a; C006, C034, C043","Missing evidence and next focused action":"Chapter 7's individual-and-credit language is established; it is not a universal unsecured-only restriction. Secured-product-specific law remains deferred."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.11 Guam residence, provider establishment, interstate/online sales","researcher_record":{"Subissue":"2.11 Guam residence, provider establishment, interstate/online sales","Status":"Partial","Finding location / claims":"S010 §70103(e); S012 §§32103(p), 32302; C011–C014","Missing evidence and next focused action":"Local phone-seller nexus is express. No complete Chapter 7 rule on remote-only internet conduct established."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":22,"topic":"2.11 Guam residence, provider establishment, interstate/online sales","original_status":"Partial","original_record":{"Subissue":"2.11 Guam residence, provider establishment, interstate/online sales","Status":"Partial","Finding location / claims":"S010 §70103(e); S012 §§32103(p), 32302; C011–C014","Missing evidence and next focused action":"Local phone-seller nexus is express. No complete Chapter 7 rule on remote-only internet conduct established."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"2.12 Separate, generally named for-profit debt-settlement statute","researcher_record":{"Subissue":"2.12 Separate, generally named for-profit debt-settlement statute","Status":"Unresolved — NOT LOCATED","Finding location / claims":"S005–S007, S011–S012, S036, S041–S042; C046","Missing evidence and next focused action":"Search more current enactment text/GAR and inaccessible UCCC administration chapter. NOT LOCATED does not mean unregulated or permitted."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":23,"topic":"2.12 Separate, generally named for-profit debt-settlement statute","original_status":"Unresolved — NOT LOCATED","original_record":{"Subissue":"2.12 Separate, generally named for-profit debt-settlement statute","Status":"Unresolved — NOT LOCATED","Finding location / claims":"S005–S007, S011–S012, S036, S041–S042; C046","Missing evidence and next focused action":"Search more current enactment text/GAR and inaccessible UCCC administration chapter. NOT LOCATED does not mean unregulated or permitted."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.1 Chapter 7 permission structure","researcher_record":{"Subissue":"3.1 Chapter 7 permission structure","Status":"Answered","Finding location / claims":"S005 §7103; C008","Missing evidence and next focused action":"Text specifies permitted actor classes; current supervisory practice unresolved."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":24,"topic":"3.1 Chapter 7 permission structure","original_status":"Answered","original_record":{"Subissue":"3.1 Chapter 7 permission structure","Status":"Answered","Finding location / claims":"S005 §7103; C008","Missing evidence and next focused action":"Text specifies permitted actor classes; current supervisory practice unresolved."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.2 Nonprofit agency incorporation and Council endorsement","researcher_record":{"Subissue":"3.2 Nonprofit agency incorporation and Council endorsement","Status":"Answered","Finding location / claims":"S005 §§7104–7105; C009","Missing evidence and next focused action":"Statutory organizational predicates confirmed; contemporary application process remains partial."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":25,"topic":"3.2 Nonprofit agency incorporation and Council endorsement","original_status":"Answered","original_record":{"Subissue":"3.2 Nonprofit agency incorporation and Council endorsement","Status":"Answered","Finding location / claims":"S005 §§7104–7105; C009","Missing evidence and next focused action":"Statutory organizational predicates confirmed; contemporary application process remains partial."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.3 Ten-member rule","researcher_record":{"Subissue":"3.3 Ten-member rule","Status":"Answered","Finding location / claims":"S005 §7105; C009","Missing evidence and next focused action":"No inference of waiver or compliance by an actual organization."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":26,"topic":"3.3 Ten-member rule","original_status":"Answered","original_record":{"Subissue":"3.3 Ten-member rule","Status":"Answered","Finding location / claims":"S005 §7105; C009","Missing evidence and next focused action":"No inference of waiver or compliance by an actual organization."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.4 Administrator notice, office/officer identification","researcher_record":{"Subissue":"3.4 Administrator notice, office/officer identification","Status":"Answered","Finding location / claims":"S005 §7106; C010","Missing evidence and next focused action":"Notice is not automatically proof of a formally issued license."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":27,"topic":"3.4 Administrator notice, office/officer identification","original_status":"Answered","original_record":{"Subissue":"3.4 Administrator notice, office/officer identification","Status":"Answered","Finding location / claims":"S005 §7106; C010","Missing evidence and next focused action":"Notice is not automatically proof of a formally issued license."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.5 Chapter 7 bond/security","researcher_record":{"Subissue":"3.5 Chapter 7 bond/security","Status":"Answered","Finding location / claims":"S005 §7107; C010","Missing evidence and next focused action":"$5,000 bond text and purpose established; surety-claim procedure and priority not fully determined."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":28,"topic":"3.5 Chapter 7 bond/security","original_status":"Answered","original_record":{"Subissue":"3.5 Chapter 7 bond/security","Status":"Answered","Finding location / claims":"S005 §7107; C010","Missing evidence and next focused action":"$5,000 bond text and purpose established; surety-claim procedure and priority not fully determined."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.6 Chapter 7 insurance/net-worth minimum","researcher_record":{"Subissue":"3.6 Chapter 7 insurance/net-worth minimum","Status":"Partial","Finding location / claims":"Complete S005; C009–C010, C021","Missing evidence and next focused action":"No separate insurance/net-worth number appears in the chapter read. Do not extrapolate absence under external corporate, bond, or administrative rules."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":29,"topic":"3.6 Chapter 7 insurance/net-worth minimum","original_status":"Partial","original_record":{"Subissue":"3.6 Chapter 7 insurance/net-worth minimum","Status":"Partial","Finding location / claims":"Complete S005; C009–C010, C021","Missing evidence and next focused action":"No separate insurance/net-worth number appears in the chapter read. Do not extrapolate absence under external corporate, bond, or administrative rules."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.7 General Guam business license","researcher_record":{"Subissue":"3.7 General Guam business license","Status":"Answered as to governing chapter; partial as applied","Finding location / claims":"S009–S010; C011, C045","Missing evidence and next focused action":"DRT requirements established; precise remote business/branch classification remains case-dependent."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":30,"topic":"3.7 General Guam business license","original_status":"Answered as to governing chapter; partial as applied","original_record":{"Subissue":"3.7 General Guam business license","Status":"Answered as to governing chapter; partial as applied","Finding location / claims":"S009–S010; C011, C045","Missing evidence and next focused action":"DRT requirements established; precise remote business/branch classification remains case-dependent."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.8 Telephonic seller registration","researcher_record":{"Subissue":"3.8 Telephonic seller registration","Status":"Answered as to text; partial as applied","Finding location / claims":"S012 §§32301–32306; C013–C015","Missing evidence and next focused action":"Resolve written-contract exclusion and exact campaign classification."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":31,"topic":"3.8 Telephonic seller registration","original_status":"Answered as to text; partial as applied","original_record":{"Subissue":"3.8 Telephonic seller registration","Status":"Answered as to text; partial as applied","Finding location / claims":"S012 §§32301–32306; C013–C015","Missing evidence and next focused action":"Resolve written-contract exclusion and exact campaign classification."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.9 Initial/annual government registration fees","researcher_record":{"Subissue":"3.9 Initial/annual government registration fees","Status":"Answered","Finding location / claims":"S012 §32302; C014","Missing evidence and next focused action":"Distinguish $50 government filing/renewal charges from provider fees passed to a consumer."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":32,"topic":"3.9 Initial/annual government registration fees","original_status":"Answered","original_record":{"Subissue":"3.9 Initial/annual government registration fees","Status":"Answered","Finding location / claims":"S012 §32302; C014","Missing evidence and next focused action":"Distinguish $50 government filing/renewal charges from provider fees passed to a consumer."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.10 Branch/nonresident requirements","researcher_record":{"Subissue":"3.10 Branch/nonresident requirements","Status":"Partial","Finding location / claims":"S005 §7106(3); S010 §70121; S012 §32306; C010–C014","Missing evidence and next focused action":"Different acts trigger different office/location, seller-information and nonresident details. No unified remote-provider rule."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":33,"topic":"3.10 Branch/nonresident requirements","original_status":"Partial","original_record":{"Subissue":"3.10 Branch/nonresident requirements","Status":"Partial","Finding location / claims":"S005 §7106(3); S010 §70121; S012 §32306; C010–C014","Missing evidence and next focused action":"Different acts trigger different office/location, seller-information and nonresident details. No unified remote-provider rule."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.11 Record retention/reporting/examinations","researcher_record":{"Subissue":"3.11 Record retention/reporting/examinations","Status":"Partial","Finding location / claims":"S005 §7108; S043 §310.5; S007; C010, C017–C018, C047","Missing evidence and next focused action":"Chapter 7 two-year and covered TSR five-year rules established separately; Chapter 6 examinations and further reporting not verified."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":34,"topic":"3.11 Record retention/reporting/examinations","original_status":"Partial","original_record":{"Subissue":"3.11 Record retention/reporting/examinations","Status":"Partial","Finding location / claims":"S005 §7108; S043 §310.5; S007; C010, C017–C018, C047","Missing evidence and next focused action":"Chapter 7 two-year and covered TSR five-year rules established separately; Chapter 6 examinations and further reporting not verified."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.12 Current specialized public license lookup","researcher_record":{"Subissue":"3.12 Current specialized public license lookup","Status":"Unresolved","Finding location / claims":"S013, S033, S036–S037; C038","Missing evidence and next focused action":"No publicly usable Chapter 7 roster confirmed. No entity search, login, application, or record request performed."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":35,"topic":"3.12 Current specialized public license lookup","original_status":"Unresolved","original_record":{"Subissue":"3.12 Current specialized public license lookup","Status":"Unresolved","Finding location / claims":"S013, S033, S036–S037; C038","Missing evidence and next focused action":"No publicly usable Chapter 7 roster confirmed. No entity search, login, application, or record request performed."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.13 Attorney/nonprofit/bank/credit-union exemptions","researcher_record":{"Subissue":"3.13 Attorney/nonprofit/bank/credit-union exemptions","Status":"Partial","Finding location / claims":"S005 §§7102–7103; S021 §1679a; S019 §44; C007–C008, C028, C042","Missing evidence and next focused action":"Exact federal bank/credit-union and §501(c)(3) predicates read; do not extend them as unwritten Guam Chapter 7 exemptions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":36,"topic":"3.13 Attorney/nonprofit/bank/credit-union exemptions","original_status":"Partial","original_record":{"Subissue":"3.13 Attorney/nonprofit/bank/credit-union exemptions","Status":"Partial","Finding location / claims":"S005 §§7102–7103; S021 §1679a; S019 §44; C007–C008, C028, C042","Missing evidence and next focused action":"Exact federal bank/credit-union and §501(c)(3) predicates read; do not extend them as unwritten Guam Chapter 7 exemptions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.14 Suspension/revocation/process","researcher_record":{"Subissue":"3.14 Suspension/revocation/process","Status":"Partial","Finding location / claims":"S010 §§70119–70120, 70130–70131; S007; C018, C045","Missing evidence and next focused action":"General-license process read; Chapter 6/UCCC special disciplinary process remains unverified."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":37,"topic":"3.14 Suspension/revocation/process","original_status":"Partial","original_record":{"Subissue":"3.14 Suspension/revocation/process","Status":"Partial","Finding location / claims":"S010 §§70119–70120, 70130–70131; S007; C018, C045","Missing evidence and next focused action":"General-license process read; Chapter 6/UCCC special disciplinary process remains unverified."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"3.15 Nonresident home-state license reciprocity","researcher_record":{"Subissue":"3.15 Nonresident home-state license reciprocity","Status":"Unresolved / no affirmative authorization located","Finding location / claims":"S005, S010, S012; C008, C011–C012","Missing evidence and next focused action":"No universal reciprocity found in text read; any claimed treaty/recognition or exemption needs its own primary authority."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":38,"topic":"3.15 Nonresident home-state license reciprocity","original_status":"Unresolved / no affirmative authorization located","original_record":{"Subissue":"3.15 Nonresident home-state license reciprocity","Status":"Unresolved / no affirmative authorization located","Finding location / claims":"S005, S010, S012; C008, C011–C012","Missing evidence and next focused action":"No universal reciprocity found in text read; any claimed treaty/recognition or exemption needs its own primary authority."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.1 Which Chapter 7 actors may render defined counseling","researcher_record":{"Subissue":"4.1 Which Chapter 7 actors may render defined counseling","Status":"Answered","Finding location / claims":"S005 §7103; C008","Missing evidence and next focused action":"Do not infer permission for all for-profit negotiators."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":39,"topic":"4.1 Which Chapter 7 actors may render defined counseling","original_status":"Answered","original_record":{"Subissue":"4.1 Which Chapter 7 actors may render defined counseling","Status":"Answered","Finding location / claims":"S005 §7103; C008","Missing evidence and next focused action":"Do not infer permission for all for-profit negotiators."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.2 Chapter 7 reasonable-service-fee authority","researcher_record":{"Subissue":"4.2 Chapter 7 reasonable-service-fee authority","Status":"Answered","Finding location / claims":"S005 §7109(4); C019","Missing evidence and next focused action":"Reasonableness and agency-purpose predicates apply."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":40,"topic":"4.2 Chapter 7 reasonable-service-fee authority","original_status":"Answered","original_record":{"Subissue":"4.2 Chapter 7 reasonable-service-fee authority","Status":"Answered","Finding location / claims":"S005 §7109(4); C019","Missing evidence and next focused action":"Reasonableness and agency-purpose predicates apply."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.3 Fee-schedule submission","researcher_record":{"Subissue":"4.3 Fee-schedule submission","Status":"Answered","Finding location / claims":"S005 §7111; C019","Missing evidence and next focused action":"Actual administrative acceptance/objection process and agency fee schedules not obtained."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":41,"topic":"4.3 Fee-schedule submission","original_status":"Answered","original_record":{"Subissue":"4.3 Fee-schedule submission","Status":"Answered","Finding location / claims":"S005 §7111; C019","Missing evidence and next focused action":"Actual administrative acceptance/objection process and agency fee schedules not obtained."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.4 Guam dollar/percentage/monthly fee caps","researcher_record":{"Subissue":"4.4 Guam dollar/percentage/monthly fee caps","Status":"Partial","Finding location / claims":"Complete S005; C019, C021","Missing evidence and next focused action":"No numeric Chapter 7 cap stated there. Other applicable Guam rules and case interpretation not conclusively excluded. No fabricated number."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":42,"topic":"4.4 Guam dollar/percentage/monthly fee caps","original_status":"Partial","original_record":{"Subissue":"4.4 Guam dollar/percentage/monthly fee caps","Status":"Partial","Finding location / claims":"Complete S005; C019, C021","Missing evidence and next focused action":"No numeric Chapter 7 cap stated there. Other applicable Guam rules and case interpretation not conclusively excluded. No fabricated number."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.5 Chapter 7 prospective-fee wording","researcher_record":{"Subissue":"4.5 Chapter 7 prospective-fee wording","Status":"Answered","Finding location / claims":"S005 §7109(4); C019","Missing evidence and next focused action":"Statutory text permits services “to be rendered” as a fee subject; covered federal TSR timing may independently prohibit collection."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":43,"topic":"4.5 Chapter 7 prospective-fee wording","original_status":"Answered","original_record":{"Subissue":"4.5 Chapter 7 prospective-fee wording","Status":"Answered","Finding location / claims":"S005 §7109(4); C019","Missing evidence and next focused action":"Statutory text permits services “to be rendered” as a fee subject; covered federal TSR timing may independently prohibit collection."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.6 Covered TSR debt-relief fee-release trigger","researcher_record":{"Subissue":"4.6 Covered TSR debt-relief fee-release trigger","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(i)(A)–(B); C025","Missing evidence and next focused action":"Valid executed creditor agreement and first customer payment both required."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":44,"topic":"4.6 Covered TSR debt-relief fee-release trigger","original_status":"Answered","original_record":{"Subissue":"4.6 Covered TSR debt-relief fee-release trigger","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(i)(A)–(B); C025","Missing evidence and next focused action":"Valid executed creditor agreement and first customer payment both required."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.7 Covered TSR per-debt amount formula","researcher_record":{"Subissue":"4.7 Covered TSR per-debt amount formula","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(i)(C); C025, C044","Missing evidence and next focused action":"Proportional enrolled-balance method or constant savings-rate method; Example B includes arithmetic and actual-payment clarification."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":45,"topic":"4.7 Covered TSR per-debt amount formula","original_status":"Answered","original_record":{"Subissue":"4.7 Covered TSR per-debt amount formula","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(i)(C); C025, C044","Missing evidence and next focused action":"Proportional enrolled-balance method or constant savings-rate method; Example B includes arithmetic and actual-payment clarification."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.8 Donations, fair-share, creditor-paid remuneration","researcher_record":{"Subissue":"4.8 Donations, fair-share, creditor-paid remuneration","Status":"Partial","Finding location / claims":"S005 §7109(9), S016 §310.4; C019, C025","Missing evidence and next focused action":"Chapter 7 contribution authority read; whether a particular “donation,” creditor payment or referral arrangement is prohibited consideration depends on actual payment relationship and federal coverage."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":46,"topic":"4.8 Donations, fair-share, creditor-paid remuneration","original_status":"Partial","original_record":{"Subissue":"4.8 Donations, fair-share, creditor-paid remuneration","Status":"Partial","Finding location / claims":"S005 §7109(9), S016 §310.4; C019, C025","Missing evidence and next focused action":"Chapter 7 contribution authority read; whether a particular “donation,” creditor payment or referral arrangement is prohibited consideration depends on actual payment relationship and federal coverage."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.9 Enrollment, monthly, default, cancellation, refund charges","researcher_record":{"Subissue":"4.9 Enrollment, monthly, default, cancellation, refund charges","Status":"Partial","Finding location / claims":"S005 §§7109, 7111; S015–S016; C019, C024–C026","Missing evidence and next focused action":"No universal Guam rate chart located. Obtain controlling regulations and actual agreement before assessing specific charge."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":47,"topic":"4.9 Enrollment, monthly, default, cancellation, refund charges","original_status":"Partial","original_record":{"Subissue":"4.9 Enrollment, monthly, default, cancellation, refund charges","Status":"Partial","Finding location / claims":"S005 §§7109, 7111; S015–S016; C019, C024–C026","Missing evidence and next focused action":"No universal Guam rate chart located. Obtain controlling regulations and actual agreement before assessing specific charge."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.10 Covered telemarketing credit-repair fee timing","researcher_record":{"Subissue":"4.10 Covered telemarketing credit-repair fee timing","Status":"Answered","Finding location / claims":"S016 §310.4(a)(2); C027","Missing evidence and next focused action":"Credit-improvement representations trigger a different timing regime."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":48,"topic":"4.10 Covered telemarketing credit-repair fee timing","original_status":"Answered","original_record":{"Subissue":"4.10 Covered telemarketing credit-repair fee timing","Status":"Answered","Finding location / claims":"S016 §310.4(a)(2); C027","Missing evidence and next focused action":"Credit-improvement representations trigger a different timing regime."},"coordinator_status":"bounded_revision_UNSENT","related_findings":["J_GU-P01-Q001"],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.11 CROA advance fee","researcher_record":{"Subissue":"4.11 CROA advance fee","Status":"Answered","Finding location / claims":"S021–S022; C028, C030","Missing evidence and next focused action":"Actual credit-repair definition/exemptions required."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":49,"topic":"4.11 CROA advance fee","original_status":"Answered","original_record":{"Subissue":"4.11 CROA advance fee","Status":"Answered","Finding location / claims":"S021–S022; C028, C030","Missing evidence and next focused action":"Actual credit-repair definition/exemptions required."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.12 TSR sales claims/disclosures","researcher_record":{"Subissue":"4.12 TSR sales claims/disclosures","Status":"Answered","Finding location / claims":"S015 §310.3; C024","Missing evidence and next focused action":"Risks, times, funds and representations enumerated; actual marketing evidence not reviewed."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":50,"topic":"4.12 TSR sales claims/disclosures","original_status":"Answered","original_record":{"Subissue":"4.12 TSR sales claims/disclosures","Status":"Answered","Finding location / claims":"S015 §310.3; C024","Missing evidence and next focused action":"Risks, times, funds and representations enumerated; actual marketing evidence not reviewed."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"4.13 Nonprofit-versus-FTC fee interaction","researcher_record":{"Subissue":"4.13 Nonprofit-versus-FTC fee interaction","Status":"Partial","Finding location / claims":"S005, S017, S019; C019, C023, C042","Missing evidence and next focused action":"Actual entity structure and FTC jurisdiction must be established; Guam allowance alone is insufficient for a covered telemarketed service."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":51,"topic":"4.13 Nonprofit-versus-FTC fee interaction","original_status":"Partial","original_record":{"Subissue":"4.13 Nonprofit-versus-FTC fee interaction","Status":"Partial","Finding location / claims":"S005, S017, S019; C019, C023, C042","Missing evidence and next focused action":"Actual entity structure and FTC jurisdiction must be established; Guam allowance alone is insufficient for a covered telemarketed service."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.1 Standard Guam Chapter 7 written client contract","researcher_record":{"Subissue":"5.1 Standard Guam Chapter 7 written client contract","Status":"Partial","Finding location / claims":"Complete S005; C021","Missing evidence and next focused action":"No comprehensive form/mandatory clauses located in Chapter 7; other applicable laws/agency practice may impose them."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":52,"topic":"5.1 Standard Guam Chapter 7 written client contract","original_status":"Partial","original_record":{"Subissue":"5.1 Standard Guam Chapter 7 written client contract","Status":"Partial","Finding location / claims":"Complete S005; C021","Missing evidence and next focused action":"No comprehensive form/mandatory clauses located in Chapter 7; other applicable laws/agency practice may impose them."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.2 Guam telephonic-sale written and delivered contract","researcher_record":{"Subissue":"5.2 Guam telephonic-sale written and delivered contract","Status":"Partial","Finding location / claims":"S012 §§32301, 32303–32305; C013, C015","Missing evidence and next focused action":"Applicable Article 3 contract obligation read; unusual written-contract exclusion requires resolution."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":53,"topic":"5.2 Guam telephonic-sale written and delivered contract","original_status":"Partial","original_record":{"Subissue":"5.2 Guam telephonic-sale written and delivered contract","Status":"Partial","Finding location / claims":"S012 §§32301, 32303–32305; C013, C015","Missing evidence and next focused action":"Applicable Article 3 contract obligation read; unusual written-contract exclusion requires resolution."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.3 Federal pre-enrollment disclosures","researcher_record":{"Subissue":"5.3 Federal pre-enrollment disclosures","Status":"Answered","Finding location / claims":"S015 §310.3(a)(1); C024","Missing evidence and next focused action":"Conditioned on TSR transaction, including risks and reserve-account explanation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":54,"topic":"5.3 Federal pre-enrollment disclosures","original_status":"Answered","original_record":{"Subissue":"5.3 Federal pre-enrollment disclosures","Status":"Answered","Finding location / claims":"S015 §310.3(a)(1); C024","Missing evidence and next focused action":"Conditioned on TSR transaction, including risks and reserve-account explanation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.4 Budget/ability-to-pay assessment","researcher_record":{"Subissue":"5.4 Budget/ability-to-pay assessment","Status":"Unresolved","Finding location / claims":"S005, S007, S011, S041; C018, C021","Missing evidence and next focused action":"No generally applicable specific Guam provider-assessment method established; examine accessible full GAR/UCCC administration and any federal overlay for service category."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":55,"topic":"5.4 Budget/ability-to-pay assessment","original_status":"Unresolved","original_record":{"Subissue":"5.4 Budget/ability-to-pay assessment","Status":"Unresolved","Finding location / claims":"S005, S007, S011, S041; C018, C021","Missing evidence and next focused action":"No generally applicable specific Guam provider-assessment method established; examine accessible full GAR/UCCC administration and any federal overlay for service category."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.5 Creditor consent, notification and participation","researcher_record":{"Subissue":"5.5 Creditor consent, notification and participation","Status":"Partial","Finding location / claims":"S005 §§7102, 7109; S016 §310.4(a)(5); C041","Missing evidence and next focused action":"Actual creditor assent is essential for enforceable modification; no universal creditor-notification deadline established."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":56,"topic":"5.5 Creditor consent, notification and participation","original_status":"Partial","original_record":{"Subissue":"5.5 Creditor consent, notification and participation","Status":"Partial","Finding location / claims":"S005 §§7102, 7109; S016 §310.4(a)(5); C041","Missing evidence and next focused action":"Actual creditor assent is essential for enforceable modification; no universal creditor-notification deadline established."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.6 Contract duration, consumer copy, translation","researcher_record":{"Subissue":"5.6 Contract duration, consumer copy, translation","Status":"Partial","Finding location / claims":"S012 §§32303–32304; S023–S024; C015, C029","Missing evidence and next focused action":"CROA/covered telephone rules identified; no universal Guam translation obligation established."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":57,"topic":"5.6 Contract duration, consumer copy, translation","original_status":"Partial","original_record":{"Subissue":"5.6 Contract duration, consumer copy, translation","Status":"Partial","Finding location / claims":"S012 §§32303–32304; S023–S024; C015, C029","Missing evidence and next focused action":"CROA/covered telephone rules identified; no universal Guam translation obligation established."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.7 Guam Chapter 7 cancellation/rescission","researcher_record":{"Subissue":"5.7 Guam Chapter 7 cancellation/rescission","Status":"Partial","Finding location / claims":"S005 complete; C021","Missing evidence and next focused action":"No generally applicable specific countdown in that chapter; cannot declare there is no separate statutory, contract, or common-law right."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":58,"topic":"5.7 Guam Chapter 7 cancellation/rescission","original_status":"Partial","original_record":{"Subissue":"5.7 Guam Chapter 7 cancellation/rescission","Status":"Partial","Finding location / claims":"S005 complete; C021","Missing evidence and next focused action":"No generally applicable specific countdown in that chapter; cannot declare there is no separate statutory, contract, or common-law right."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.8 CROA cancellation","researcher_record":{"Subissue":"5.8 CROA cancellation","Status":"Answered","Finding location / claims":"S025 §1679e; C031","Missing evidence and next focused action":"Midnight/third-business-day rule only on CROA branch; no actual calendar calculated."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":59,"topic":"5.8 CROA cancellation","original_status":"Answered","original_record":{"Subissue":"5.8 CROA cancellation","Status":"Answered","Finding location / claims":"S025 §1679e; C031","Missing evidence and next focused action":"Midnight/third-business-day rule only on CROA branch; no actual calendar calculated."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.9 Guam Chapter 7 funds segregation","researcher_record":{"Subissue":"5.9 Guam Chapter 7 funds segregation","Status":"Answered","Finding location / claims":"S005 §7110; C020","Missing evidence and next focused action":"Separate creditor-benefit account; do not commingle."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":60,"topic":"5.9 Guam Chapter 7 funds segregation","original_status":"Answered","original_record":{"Subissue":"5.9 Guam Chapter 7 funds segregation","Status":"Answered","Finding location / claims":"S005 §7110; C020","Missing evidence and next focused action":"Separate creditor-benefit account; do not commingle."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.10 Covered TSR dedicated account safeguards","researcher_record":{"Subissue":"5.10 Covered TSR dedicated account safeguards","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(ii); C026","Missing evidence and next focused action":"Five required conditions, consumer withdrawal and seven-business-day refund; distinct from local rule."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":61,"topic":"5.10 Covered TSR dedicated account safeguards","original_status":"Answered","original_record":{"Subissue":"5.10 Covered TSR dedicated account safeguards","Status":"Answered","Finding location / claims":"S016 §310.4(a)(5)(ii); C026","Missing evidence and next focused action":"Five required conditions, consumer withdrawal and seven-business-day refund; distinct from local rule."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.11 Depository location, insurance, independent administration","researcher_record":{"Subissue":"5.11 Depository location, insurance, independent administration","Status":"Partial","Finding location / claims":"S005 §7110; S016 §310.4(a)(5)(ii)(A)–(D); C020, C026","Missing evidence and next focused action":"FTC-insured-institution/independence rule established; Guam Chapter 7 alone does not supply a specific bank-geography test."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":62,"topic":"5.11 Depository location, insurance, independent administration","original_status":"Partial","original_record":{"Subissue":"5.11 Depository location, insurance, independent administration","Status":"Partial","Finding location / claims":"S005 §7110; S016 §310.4(a)(5)(ii)(A)–(D); C020, C026","Missing evidence and next focused action":"FTC-insured-institution/independence rule established; Guam Chapter 7 alone does not supply a specific bank-geography test."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.12 Reconciliation, statements, disbursement cadence","researcher_record":{"Subissue":"5.12 Reconciliation, statements, disbursement cadence","Status":"Partial","Finding location / claims":"S005 §§7108, 7110; S007; C010, C020","Missing evidence and next focused action":"Records and segregation found, but transaction-by-transaction timing and accounting-format rules not fully resolved."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":63,"topic":"5.12 Reconciliation, statements, disbursement cadence","original_status":"Partial","original_record":{"Subissue":"5.12 Reconciliation, statements, disbursement cadence","Status":"Partial","Finding location / claims":"S005 §§7108, 7110; S007; C010, C020","Missing evidence and next focused action":"Records and segregation found, but transaction-by-transaction timing and accounting-format rules not fully resolved."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.13 Insolvency, commingling loss, priority and bond proceeds","researcher_record":{"Subissue":"5.13 Insolvency, commingling loss, priority and bond proceeds","Status":"Unresolved","Finding location / claims":"S005 §§7107, 7110; C010, C020","Missing evidence and next focused action":"No verified governing priority, claims, tracing or insolvency-remedy hierarchy; cannot promise repayment or bond recovery."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":64,"topic":"5.13 Insolvency, commingling loss, priority and bond proceeds","original_status":"Unresolved","original_record":{"Subissue":"5.13 Insolvency, commingling loss, priority and bond proceeds","Status":"Unresolved","Finding location / claims":"S005 §§7107, 7110; C010, C020","Missing evidence and next focused action":"No verified governing priority, claims, tracing or insolvency-remedy hierarchy; cannot promise repayment or bond recovery."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.14 Consumer default/provider termination/creditor refusal","researcher_record":{"Subissue":"5.14 Consumer default/provider termination/creditor refusal","Status":"Partial","Finding location / claims":"S015–S016; C024–C026, C041","Missing evidence and next focused action":"Covered TSR disclosures and customer withdrawal identified; actual creditor arrangement, fee provisions and underlying account consequences vary with facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":65,"topic":"5.14 Consumer default/provider termination/creditor refusal","original_status":"Partial","original_record":{"Subissue":"5.14 Consumer default/provider termination/creditor refusal","Status":"Partial","Finding location / claims":"S015–S016; C024–C026, C041","Missing evidence and next focused action":"Covered TSR disclosures and customer withdrawal identified; actual creditor arrangement, fee provisions and underlying account consequences vary with facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.15 Refund and cancellation day counting","researcher_record":{"Subissue":"5.15 Refund and cancellation day counting","Status":"Partial","Finding location / claims":"S016 §310.4(a)(5)(ii)(E), S025 §1679e; C026, C031","Missing evidence and next focused action":"Legal periods established in specific federal branches; exact start time, weekends/holidays, service and local procedural interactions require specified facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":66,"topic":"5.15 Refund and cancellation day counting","original_status":"Partial","original_record":{"Subissue":"5.15 Refund and cancellation day counting","Status":"Partial","Finding location / claims":"S016 §310.4(a)(5)(ii)(E), S025 §1679e; C026, C031","Missing evidence and next focused action":"Legal periods established in specific federal branches; exact start time, weekends/holidays, service and local procedural interactions require specified facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"5.16 No guaranteed settlement or creditor discharge","researcher_record":{"Subissue":"5.16 No guaranteed settlement or creditor discharge","Status":"Answered","Finding location / claims":"S005 §7109, S016 §310.4(a)(5); C041","Missing evidence and next focused action":"Enrollment and deposits alone do not change the creditor agreement."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":67,"topic":"5.16 No guaranteed settlement or creditor discharge","original_status":"Answered","original_record":{"Subissue":"5.16 No guaranteed settlement or creditor discharge","Status":"Answered","Finding location / claims":"S005 §7109, S016 §310.4(a)(5); C041","Missing evidence and next focused action":"Enrollment and deposits alone do not change the creditor agreement."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.1 Chapter 7 criminal violation","researcher_record":{"Subissue":"6.1 Chapter 7 criminal violation","Status":"Answered","Finding location / claims":"S005 §7112; C036","Missing evidence and next focused action":"Willfulness expressly required; prosecution not automatic."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":68,"topic":"6.1 Chapter 7 criminal violation","original_status":"Answered","original_record":{"Subissue":"6.1 Chapter 7 criminal violation","Status":"Answered","Finding location / claims":"S005 §7112; C036","Missing evidence and next focused action":"Willfulness expressly required; prosecution not automatic."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.2 General Guam licensing enforcement","researcher_record":{"Subissue":"6.2 General Guam licensing enforcement","Status":"Answered","Finding location / claims":"S010 §§70119–70121, 70130–70131; C045","Missing evidence and next focused action":"Licensure predicate, process and statutory limitations matter."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":69,"topic":"6.2 General Guam licensing enforcement","original_status":"Answered","original_record":{"Subissue":"6.2 General Guam licensing enforcement","Status":"Answered","Finding location / claims":"S010 §§70119–70121, 70130–70131; C045","Missing evidence and next focused action":"Licensure predicate, process and statutory limitations matter."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.3 Chapter 7-specific administrative enforcement","researcher_record":{"Subissue":"6.3 Chapter 7-specific administrative enforcement","Status":"Unresolved","Finding location / claims":"S007, S008; C017–C018","Missing evidence and next focused action":"Obtain actual current Chapter 6 §§6102–6113 and regulations before detailing notices, examination, hearing, appeal or revocation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":70,"topic":"6.3 Chapter 7-specific administrative enforcement","original_status":"Unresolved","original_record":{"Subissue":"6.3 Chapter 7-specific administrative enforcement","Status":"Unresolved","Finding location / claims":"S007, S008; C017–C018","Missing evidence and next focused action":"Obtain actual current Chapter 6 §§6102–6113 and regulations before detailing notices, examination, hearing, appeal or revocation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.4 Guam AG deceptive-practice remedies","researcher_record":{"Subissue":"6.4 Guam AG deceptive-practice remedies","Status":"Answered as to cited provisions","Finding location / claims":"S012 §§32111, 32119, 32127, 32307–32308; C034–C036","Missing evidence and next focused action":"Specific claim, defendant conduct, procedural predicates and penalty calculations remain case-dependent."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":71,"topic":"6.4 Guam AG deceptive-practice remedies","original_status":"Answered as to cited provisions","original_record":{"Subissue":"6.4 Guam AG deceptive-practice remedies","Status":"Answered as to cited provisions","Finding location / claims":"S012 §§32111, 32119, 32127, 32307–32308; C034–C036","Missing evidence and next focused action":"Specific claim, defendant conduct, procedural predicates and penalty calculations remain case-dependent."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.5 Territorial private consumer cause/damages","researcher_record":{"Subissue":"6.5 Territorial private consumer cause/damages","Status":"Partial","Finding location / claims":"S012 §§32109–32114, 32120; C035","Missing evidence and next focused action":"Express statutory cause and remedy family found; actual standing, pre-suit demand, damage proof and exemptions not resolved without transaction facts."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":72,"topic":"6.5 Territorial private consumer cause/damages","original_status":"Partial","original_record":{"Subissue":"6.5 Territorial private consumer cause/damages","Status":"Partial","Finding location / claims":"S012 §§32109–32114, 32120; C035","Missing evidence and next focused action":"Express statutory cause and remedy family found; actual standing, pre-suit demand, damage proof and exemptions not resolved without transaction facts."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.6 Bond beneficiary rights","researcher_record":{"Subissue":"6.6 Bond beneficiary rights","Status":"Partial","Finding location / claims":"S005 §7107; C010","Missing evidence and next focused action":"Bond expressly contemplates persons with claims under Chapter 7; not a generic private damages action or guaranteed collectible award."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":73,"topic":"6.6 Bond beneficiary rights","original_status":"Partial","original_record":{"Subissue":"6.6 Bond beneficiary rights","Status":"Partial","Finding location / claims":"S005 §7107; C010","Missing evidence and next focused action":"Bond expressly contemplates persons with claims under Chapter 7; not a generic private damages action or guaranteed collectible award."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.7 Federal TSR public/private enforcement","researcher_record":{"Subissue":"6.7 Federal TSR public/private enforcement","Status":"Partial","Finding location / claims":"S018–S019, S029; C022, C037","Missing evidence and next focused action":"FTC route and restricted statutory private route located; Guam government-officer standing and complete procedure require additional interpretation."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":74,"topic":"6.7 Federal TSR public/private enforcement","original_status":"Partial","original_record":{"Subissue":"6.7 Federal TSR public/private enforcement","Status":"Partial","Finding location / claims":"S018–S019, S029; C022, C037","Missing evidence and next focused action":"FTC route and restricted statutory private route located; Guam government-officer standing and complete procedure require additional interpretation."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.8 Federal CROA private/FTC remedies","researcher_record":{"Subissue":"6.8 Federal CROA private/FTC remedies","Status":"Answered as to federal statute","Finding location / claims":"S026–S028; C032","Missing evidence and next focused action":"Section-specific liability and remedies identified; Guam “State” official enforcement path separately held."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":75,"topic":"6.8 Federal CROA private/FTC remedies","original_status":"Answered as to federal statute","original_record":{"Subissue":"6.8 Federal CROA private/FTC remedies","Status":"Answered as to federal statute","Finding location / claims":"S026–S028; C032","Missing evidence and next focused action":"Section-specific liability and remedies identified; Guam “State” official enforcement path separately held."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.9 Public complaint route","researcher_record":{"Subissue":"6.9 Public complaint route","Status":"Answered as public guidance","Finding location / claims":"S013; C038","Missing evidence and next focused action":"OAG Consumer Protection Division source opened. No complaint submitted, no response sought."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":76,"topic":"6.9 Public complaint route","original_status":"Answered as public guidance","original_record":{"Subissue":"6.9 Public complaint route","Status":"Answered as public guidance","Finding location / claims":"S013; C038","Missing evidence and next focused action":"OAG Consumer Protection Division source opened. No complaint submitted, no response sought."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.10 License verification path","researcher_record":{"Subissue":"6.10 License verification path","Status":"Unresolved","Finding location / claims":"S033, S036–S037; C038","Missing evidence and next focused action":"No verified publicly searchable specialized Chapter 7 roster; no entity-specific check authorized or performed."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":77,"topic":"6.10 License verification path","original_status":"Unresolved","original_record":{"Subissue":"6.10 License verification path","Status":"Unresolved","Finding location / claims":"S033, S036–S037; C038","Missing evidence and next focused action":"No verified publicly searchable specialized Chapter 7 roster; no entity-specific check authorized or performed."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.11 Actual squarely on-point provider decision/enforcement","researcher_record":{"Subissue":"6.11 Actual squarely on-point provider decision/enforcement","Status":"Unresolved — NOT LOCATED in bounded search","Finding location / claims":"S038–S040; C039","Missing evidence and next focused action":"Search coverage insufficient for an absence-of-authority holding. Search accessible published opinions/enforcement archives if authorized in later focused pass."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":78,"topic":"6.11 Actual squarely on-point provider decision/enforcement","original_status":"Unresolved — NOT LOCATED in bounded search","original_record":{"Subissue":"6.11 Actual squarely on-point provider decision/enforcement","Status":"Unresolved — NOT LOCATED in bounded search","Finding location / claims":"S038–S040; C039","Missing evidence and next focused action":"Search coverage insufficient for an absence-of-authority holding. Search accessible published opinions/enforcement archives if authorized in later focused pass."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.12 Relevant non-provider licensing-case annotations","researcher_record":{"Subissue":"6.12 Relevant non-provider licensing-case annotations","Status":"Partial","Finding location / claims":"S010, §70102 note and §70130 annotations; C045","Missing evidence and next focused action":"EIE Guam Corp. v. Long Term Credit Bank of Japan, 1998 Guam 6 ¶25; Taijeron v. Kim, 1999 Guam 16 ¶29; and historical Pacific Equity & Capital Enterprises v. Baba appear in the official code's case annotations. They concern other licensing contexts, not a square Chapter 7 provider holding. Underlying opinions were not independently read and are not adopted as controlling provider decisions."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":79,"topic":"6.12 Relevant non-provider licensing-case annotations","original_status":"Partial","original_record":{"Subissue":"6.12 Relevant non-provider licensing-case annotations","Status":"Partial","Finding location / claims":"S010, §70102 note and §70130 annotations; C045","Missing evidence and next focused action":"EIE Guam Corp. v. Long Term Credit Bank of Japan, 1998 Guam 6 ¶25; Taijeron v. Kim, 1999 Guam 16 ¶29; and historical Pacific Equity & Capital Enterprises v. Baba appear in the official code's case annotations. They concern other licensing contexts, not a square Chapter 7 provider holding. Underlying opinions were not independently read and are not adopted as controlling provider decisions."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.13 Public assistance/referral information","researcher_record":{"Subissue":"6.13 Public assistance/referral information","Status":"Answered as resource inventory","Finding location / claims":"S034–S035, S045; C038, C048","Missing evidence and next focused action":"Eligibility, practice availability and suitability not established; no referrals initiated."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":80,"topic":"6.13 Public assistance/referral information","original_status":"Answered as resource inventory","original_record":{"Subissue":"6.13 Public assistance/referral information","Status":"Answered as resource inventory","Finding location / claims":"S034–S035, S045; C038, C048","Missing evidence and next focused action":"Eligibility, practice availability and suitability not established; no referrals initiated."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.14 Read-only provider-evaluation checklist and alternatives","researcher_record":{"Subissue":"6.14 Read-only provider-evaluation checklist and alternatives","Status":"Answered within task scope","Finding location / claims":"§8 above; C006–C043","Missing evidence and next focused action":"No actual account, contract, attorney, creditor or provider evaluated."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":81,"topic":"6.14 Read-only provider-evaluation checklist and alternatives","original_status":"Answered within task scope","original_record":{"Subissue":"6.14 Read-only provider-evaluation checklist and alternatives","Status":"Answered within task scope","Finding location / claims":"§8 above; C006–C043","Missing evidence and next focused action":"No actual account, contract, attorney, creditor or provider evaluated."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.15 Violation does not automatically cancel underlying debt","researcher_record":{"Subissue":"6.15 Violation does not automatically cancel underlying debt","Status":"Answered","Finding location / claims":"S010 §70131(e), S012 §32120, S026 §1679f; C032, C035, C041, C045","Missing evidence and next focused action":"Distinguish offending service agreement, entity procedural disability and independent creditor claim. No guaranteed restitution, setoff, discharge or void judgment."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":82,"topic":"6.15 Violation does not automatically cancel underlying debt","original_status":"Answered","original_record":{"Subissue":"6.15 Violation does not automatically cancel underlying debt","Status":"Answered","Finding location / claims":"S010 §70131(e), S012 §32120, S026 §1679f; C032, C035, C041, C045","Missing evidence and next focused action":"Distinguish offending service agreement, entity procedural disability and independent creditor claim. No guaranteed restitution, setoff, discharge or void judgment."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"6.16 Territorial/civil/criminal remedy coordination","researcher_record":{"Subissue":"6.16 Territorial/civil/criminal remedy coordination","Status":"Partial","Finding location / claims":"C032–C037, C045","Missing evidence and next focused action":"Primary routes distinguished. Exhaustive claim joinder, preemption, limitations, local jurisdiction and all overlapping remedies require separate fact-specific research."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":83,"topic":"6.16 Territorial/civil/criminal remedy coordination","original_status":"Partial","original_record":{"Subissue":"6.16 Territorial/civil/criminal remedy coordination","Status":"Partial","Finding location / claims":"C032–C037, C045","Missing evidence and next focused action":"Primary routes distinguished. Exhaustive claim joinder, preemption, limitations, local jurisdiction and all overlapping remedies require separate fact-specific research."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Collection conduct, debt validation, credit reporting","researcher_record":{"A066 parent dimension":"Collection conduct, debt validation, credit reporting","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Only provider claims concerning possible collections/credit effects under TSR §310.3 were covered; no creditor/collector conduct or furnishing dossier. C024, C041.","Next owner action":"Separate collection, validation and reporting components."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":84,"topic":"Collection conduct, debt validation, credit reporting","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Collection conduct, debt validation, credit reporting","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Only provider claims concerning possible collections/credit effects under TSR §310.3 were covered; no creditor/collector conduct or furnishing dossier. C024, C041.","Next owner action":"Separate collection, validation and reporting components."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Limitation periods, accrual and revival","researcher_record":{"A066 parent dimension":"Limitation periods, accrual and revival","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"A provider payment or creditor agreement may have implications, but no limitation or revival conclusion was made.","Next owner action":"Separate limitations/revival component."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":85,"topic":"Limitation periods, accrual and revival","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Limitation periods, accrual and revival","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"A provider payment or creditor agreement may have implications, but no limitation or revival conclusion was made.","Next owner action":"Separate limitations/revival component."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Litigation, default, judgment enforcement","researcher_record":{"A066 parent dimension":"Litigation, default, judgment enforcement","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Only provider-remedy and general-license court-access intersections addressed. C035–C037, C045.","Next owner action":"Separate litigation/judgment component."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":86,"topic":"Litigation, default, judgment enforcement","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Litigation, default, judgment enforcement","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Only provider-remedy and general-license court-access intersections addressed. C035–C037, C045.","Next owner action":"Separate litigation/judgment component."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Garnishment, wage, bank and property exemptions","researcher_record":{"A066 parent dimension":"Garnishment, wage, bank and property exemptions","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Chapter 7 mentions certain assignments and representation powers, but no exemption or garnishment analysis was performed. S005 §7109(3),(5).","Next owner action":"Separate garnishment/exemption component."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":87,"topic":"Garnishment, wage, bank and property exemptions","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Garnishment, wage, bank and property exemptions","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Chapter 7 mentions certain assignments and representation powers, but no exemption or garnishment analysis was performed. S005 §7109(3),(5).","Next owner action":"Separate garnishment/exemption component."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Secured debts; medical, rent, utilities, taxes and other special obligations","researcher_record":{"A066 parent dimension":"Secured debts; medical, rent, utilities, taxes and other special obligations","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"No product- or debt-category-specific settlement legality or priority conclusions. C043.","Next owner action":"Separate special-debt components."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":88,"topic":"Secured debts; medical, rent, utilities, taxes and other special obligations","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Secured debts; medical, rent, utilities, taxes and other special obligations","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"No product- or debt-category-specific settlement legality or priority conclusions. C043.","Next owner action":"Separate special-debt components."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"},{"topic":"Broader protections for vulnerable consumers","researcher_record":{"A066 parent dimension":"Broader protections for vulnerable consumers","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Narrow Guam DTPA and TSR deception/disclosure intersections examined; no broad disability, elder, military, language-access or special-remedies dossier. C024, C034–C035.","Next owner action":"Separate vulnerable-consumer component."},"coordinator_acceptance":"not_yet_reviewed","coordinator_review":{"row_zero_based":89,"topic":"Broader protections for vulnerable consumers","original_status":"Excluded_with_reason","original_record":{"A066 parent dimension":"Broader protections for vulnerable consumers","Status":"Excluded_with_reason","Reason / narrow intersection in this pass":"Narrow Guam DTPA and TSR deception/disclosure intersections examined; no broad disability, elder, military, language-access or special-remedies dossier. C024, C034–C035.","Next owner action":"Separate vulnerable-consumer component."},"coordinator_status":"original_partial_unresolved_excluded_or_answered_source_application_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_review_file":"[internal evidence reference]","coordinator_verification_status":"reviewed_with_one_bounded_revision_and_access_application_holds"}],"annotations":{},"corrections":[{"issue_id":"J_GU-P01-Q001","finding":"The report correctly separates310.4(a)(2)from ordinary debt-relief fees, but narrative, C027and coverage4.10refer only to qualifying/specified later consumer-report documentation. Nowhere in the saved answer states the material more-than-six-month issuance condition or the explicit permissible-purpose safeguard. The general proposition is not false; this is incomplete claimed coverage of the fee prerequisites.","affected_claim_ids":[],"related_claim_ids":["J_GU-P01-C027"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"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":"J_GU-P01-REVIEW-SCOPE","status":"scoped_coordinator_review_revision_UNSENT_access_and_currentness_holds","at":null}]}