{"meta":{"key":"j_vi--pass-01","task":"J_VI","title":"United States Virgin Islands: Debt-relief provider regulation and applicability","parent_title":"US Virgin Islands debt and relief law","edition":"pass-01","path":"/research/j_vi--pass-01/","kind":"split_pass","category":"territory","role":"territory","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":23,"claims":48,"sources":87,"review_status":"scoped_coordinator_review_complete_material_corrections_UNSENT_source_currentness_application_holds","review_complete":true,"sha256":"f8ecb72528900e2429f2e4ffbea069bd016c73792a09c7d0b47e4bee67264b00","headings":["United States Virgin Islands: Debt-relief provider regulation and applicability","Principal finding","1. Jurisdiction and source-authority map","2. Provider-classification decisions","3. Registration, security and exemptions","The crucial fee-currentness hold","4. Permitted fees: territorial text versus federal timing","5. Agreement, cancellation, creditor consent and customer money","Required pre-agreement work and disclosures","Customer funds: distinguish two arrangements","6. Consequences, remedies and read-only consumer process","Individual provider-evaluation checklist — documents only","Three bounded hypotheticals","A. Visible source register","A1. Territorial authority and full Chapter 7 text","A2. Adjacent territorial law, federal statutes, regulations and institutional sources","B. Visible claim register — A066 / J_VI-P01","B1. Authority, classification, registration","B2. Service conduct, agreements, fees and customer funds","B3. Enforcement, crossover and limitations","C. Granular coverage and disposition table","C1. Territorial authority and applicability","C2. Provider classification","C3. Registration, financial assurance and exemptions","C4. Services and fees","C5. Contract, cancellation and funds","C6. Consequences, remedies and process","C7. Explicitly deferred parent dimensions","D. Researcher self-check and publication holds","Evidence checks performed","Exact unresolved questions, ranked by publication importance","Publication restrictions for SettleADebt"],"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_VI/pass-01","facets":{"geography":["us-territories","j_vi"],"debt_type":[],"stage":[],"subject":["definitions-classification","provider-licensing"]},"scope":"United States Virgin Islands independent focused provider-regulatory and applicability gateway; other six parent dimensions deferred","pending_corrections":3},"markdown":"# SettleADebt — J_VI PASS-01\n\n## United States Virgin Islands: Debt-relief provider regulation and applicability\n\nResearch baseline: October 22, 2026, America/Los_Angeles\nActual public-source checks: October 26, 2026\nAssignment: A066 / J_VI / PASS-01, focused provider-regulation component only\nMode: Regular Chat; no Deep Research, external actions, private records, or entity-specific searches. The interface does not provide a separately verifiable model-tier record, so no model-switch claim is made.\n\nResearch complete subject to identified source and currentness holds — not publication-approved### Principal finding\n\nThe U.S. Virgin Islands has a dedicated debt-relief provider statute: Title 12A, Chapter 7, Virgin Islands Uniform Debt-Management Services Act, §§401–441, added by Act No. 7145 on January 27, 2010. Its text covers compensated intermediaries seeking creditor concessions for Virgin Islands residents, requires territorial registration subject to defined exclusions, regulates fees and customer money, and supplies specific administrative and private remedies.\n\nThis is not a “no dedicated statute located” jurisdiction. It is also not safe to treat a mainland registration, nonprofit status, or an attorney's participation as automatically authorizing a provider. law.justia.comlaw.justia.comlaw.justia.com\n\nCritical currentness limitation: The full territorial provisions were read in the 2025 Virgin Islands Code reproduced by Justia, an unofficial host of enacted statutory text. The government advertises free access to the Virgin Islands Code through LexisNexis, but the official-access gateway did not yield readable operative sections through the available public web retrieval. The enacted Act No. 7145 session-law pages, an authenticated consolidation through October 26, 2026, and any operative inflation-adjustment rules were not obtained. Accordingly, this report states what the accessed codified text provides, but does not certify that its printed dollar amounts or every provision are the operative 2026 text. Election System of the Virgin Islandslaw.justia.com\n\n## 1. Jurisdiction and source-authority map\n\n| Authority | Function relevant to PASS-01 | Boundary |\n| --- | --- | --- |\n| Legislature of the Virgin Islands; Virgin Islands Code and session laws | Creates territorial provider duties and remedies. Title 12A, Chapter 7 is the principal law. | Enactment and later amendments control over any unofficial consolidation. Act publication year is not its effective date. |\n| Lieutenant Governor, through the Division of Banking, Insurance and Financial Regulation (DBIFR) | Provider registration, examinations, rulemaking, adjustments, investigations, penalties, restitution and registration suspension/revocation. | The agency expressly lists debt-management providers among its regulated categories. A public registration list is statutorily required, but a verified dedicated online lookup was not located. United States Virgin Islandslaw.justia.com |\n| Department of Licensing and Consumer Affairs (DLCA) | Separate general business-licensing and consumer-fraud functions. Title 12A, Chapter 7 registration applications reference compliance with Title 27, Chapter 9. | A DLCA business license is not proof of Chapter 7 registration. The DLCA's general search does not establish that a provider appears on the Lieutenant Governor's required list. law.justia.comlaw.justia.comdlca.vi.gov |\n| Attorney General / territorial Department of Justice | Potential referral and territorial enforcement. | A Lieutenant Governor referral under §432(a) is distinct from an individual's express private action under §435. |\n| Superior Court of the Virgin Islands | Territorial trial-court proceedings and specified registration-denial review. | A regulatory violation does not automatically erase an underlying creditor obligation. |\n| Supreme Court of the Virgin Islands | Highest territorial appellate court; controlling territorial-law appellate authority. | The court assumed appellate jurisdiction in 2007. Federal courts have separate subject-matter jurisdiction. supreme.vicourts.org |\n| District Court of the Virgin Islands and federal appellate structure | Federal claims within federal jurisdiction; federal bankruptcy proceedings through the District Court's Bankruptcy Division. | Bankruptcy availability is a jurisdictional alternative here, not a substitute for provider classification and not a finding about any borrower's eligibility. vid.uscourts.gov |\n| FTC and federal courts | FTC Act and, where independently applicable, Telemarketing Sales Rule (TSR) enforcement. | “U.S. territory” does not make every provider transaction a covered telemarketing transaction. |\n| Federal Credit Repair Organizations Act (CROA) | Separate federal rules for an entity offering credit-history improvement for consideration, where its statutory predicates are met. | Ordinary settlement negotiation alone does not establish that the provider is a CROA credit-repair organization. |\n\nGeographic definitions must be tested separately.\n\n- Territorial §402(19) expressly includes the Virgin Islands in its definition of state. Territorial §§403–404 focus chiefly on the individual's residence when an agreement or service undertaking is made. law.justia.comlaw.justia.com\n- TSR §310.2(ff) includes U.S. territories and possessions. The TSR nevertheless requires a covered telemarketing campaign, defined in §310.2(ii) by telephone activity involving more than one interstate telephone call, as well as the relevant transaction and exemption analysis. ecfr.govecfr.gov\n- FTC Act §4, 15 U.S.C. §44, expressly encompasses commerce in a U.S. territory in its definition of commerce; FTC jurisdiction and institutional exemptions remain separate inquiries. COMMERCE AND TRADE\n- CROA, 15 U.S.C. §1679a(3), uses interstate-commerce-or-mails and service/consideration predicates; its application cannot be established solely by calling the Virgin Islands a state. govinfo.gov\n\n## 2. Provider-classification decisions\n\nThe decisive territorial concept is acting as an intermediary between an individual and one or more of that individual's creditors to obtain concessions. “Concessions” are creditor assent to terms more favorable than the original contract. The statutory term provider includes persons offering or furnishing these services directly or through others. The definition does not expressly require that all covered debts be unsecured or household-purpose debts. Its reference to an individual distinguishes a natural person from a borrowing entity; mixed-purpose and secured cases need careful factual classification. law.justia.com\n\n| Activity / fact pattern | Territorial Chapter 7 result | Other law / unresolved edge |\n| --- | --- | --- |\n| Paid debt-settlement negotiator seeks less than principal from creditors of a VI-resident individual | Covered, absent §403 exclusion; registration analysis required. | TSR additionally tested if qualifying telephone campaign and unsecured debts. |\n| DMP operator negotiates reduced interest/late fees and distributes payments | Covered where acting as creditor-concession intermediary. | §§417–428 contain a distinct DMP fee, plan and trust-money track. |\n| Paid “debt adjustment” or “debt negotiation” service | Name is not decisive. Covered if the functional §402(8) test is met. | No separate license is created merely by the marketing label. |\n| General financial education or budgeting without creditor intermediation | Not established as debt-management services under §402(8). | Deceptive marketing, other professional/business rules may still apply; pure counseling classification should not be presumed from a label. |\n| Credit-repair business promising to improve credit history but not negotiating debts | Chapter 7 coverage not established solely by credit-repair activity. | Test CROA and the TSR's distinct credit-repair provision if otherwise covered. Separate dedicated VI credit-repair registration law: NOT LOCATED in bounded examination; this is not a finding that none exists. |\n| Creditor collecting, restructuring, or settling its own receivable | Merely being a creditor is not the intermediary role. | Creditor/collector conduct is a separately queued dimension. CROA expressly excludes a creditor to the extent it helps restructure debt owed to itself. |\n| Actual lender provides a consolidation/refinance loan | Lending is not transformed into debt-management intermediation merely because proceeds pay old creditors. | Loan licensing and credit disclosures require their own product/activity analysis; no license by analogy. |\n| Company advertises “consolidation,” but actually charges to negotiate old creditors' terms | Potential Chapter 7 provider based on conduct. | An actual loan and an intermediary service must be separated in the agreement and fund flows. |\n| Individual owes a business-purpose debt | Chapter 7 potentially applies, because §402(8) does not expressly restrict purpose, if the debtor is an individual and the other predicates hold. | Do not import the personal/household limitation from a different VI statute or CROA. |\n| LLC or corporation is the debtor | A business entity is not the statutory “individual” served under §402(8). | Other law remains possible; no universal deregulation inference. |\n| Secured debt of a natural person | Chapter 7 does not expressly exclude it. | TSR “debt relief service” definition refers to unsecured creditors or debt collectors; collateral and creditor consequences deferred. |\n| Fully online/off-island provider knowingly signs up a VI resident | Potentially covered regardless of local storefront. | §406 expressly contemplates applicants with no VI service location. |\n| Unpaid service, including compensation neither from/on behalf of the individual nor from creditors | §403(b)(2) exclusion may apply. | Genuine absence of all specified compensation must be established. |\n| Creditor-funded nonprofit counseling/settlement intermediary | Not exempt simply because nonprofit; creditor payments defeat the no-compensation premise. | See specific nonprofit governance rules below. |\n| Attorney or accountant assisting with creditors | Genuine attorney-client legal services by a VI-authorized attorney, or accountant-client accounting services by a VI-licensed CPA, are outside §402(8)'s service definition. | Using a lawyer/CPA as a nominal affiliate does not automatically exclude a separate provider's commercial debt-settlement business. |\n| Financial planner | Exception only for actual planner-client financial-planning services and the profession recognized by Lieutenant Governor rule with licensing, discipline, ethics and continuing education predicates. | No qualifying territorial implementing rule verified. |\n| Bank; regulated bank affiliate; judicially directed person; specified incidental bill-paying service | Specific §403(c) exclusions in the ordinary course, as worded. | An unrelated service or unregulated affiliate cannot assume exemption. |\n\nlaw.justia.comlaw.justia.comlaw.justia.comgovinfo.gov## 3. Registration, security and exemptions\n\n| Regulatory issue | Read statutory answer | Limitation |\n| --- | --- | --- |\n| Mandatory provider registration | §404(a): obtain VI registration before servicing an individual whom the provider reasonably should know resides in VI when services are agreed. Registered provider's employee/agent not separately registered merely for that role. | §403 exclusions, Chapter 7 effective/grandfather provisions and actual service classification control. |\n| Authority and register | Lieutenant Governor. §404(c) requires a public list of registered-provider names. | Dedicated accessible list and its freshness unverified; no entity was searched. |\n| Initial materials | Prescribed form/fee, surety or permitted security, trust-account identifiers and examination consent, misconduct insurance, Title 27 Chapter 9 proof, jurisdiction/process-service documentation, extensive personnel, audits, accreditation/counselor evidence, client forms and fees. | Exact current application and official fee schedule not obtained. |\n| Nonresident / remote application | §406 asks for local locations or a statement that none exists; websites and electronic addresses are disclosed. | Registration still required if §404 applies. |\n| License held in another state | §412 permits substitution of sufficiently equivalent prior application/license materials with additional VI information and current certification. | Application shortcut only; not reciprocal permission to operate before VI registration. |\n| Initial misconduct insurance | Printed §405(b)(4) amount $250,000, qualifying insurer and coverage; deductible printed maximum $5,000; cancellation-notice protection. | Amount subject to §432(f) adjustments; live insurance/regulator rules not verified. |\n| Renewal misconduct insurance | §411(b)(5): greater of printed $250,000 or highest daily customer trust balance in previous six months. | Actual adjusted minimum unknown. |\n| Surety bond | §413 printed default $50,000, with individual regulator adjustment permitted; remains effective for two years after the provider ceases serving VI individuals. Approved alternative security under §414. | Neither bond face amount nor insurance premium is a consumer fee. |\n| Renewal | Annual registration; renewal application in the period 30–60 days before expiration; audit, fee, coverage and activity figures; timely complete renewals have procedural continuation protections. | No actual certificate expiry or calendar is assumed. |\n| Agency determination | §410 sets initial decision period of 120 days, possible additional 60 on stated grounds, notice/review procedures. | This is an agency obligation, not an automatic license-by-silence rule. An apparent word “Commission” in the reproduced text requires checking the enacted Act. |\n| Nonprofit governance | §409(d) mandates denial if the nonprofit/tax-exempt applicant lacks an independent board as defined there. | Nonprofit status creates a governance predicate, not blanket exemption. |\n| Employees, professional status, accreditation | Registered-provider employees/agents get §404(b)'s narrow treatment; certification, accreditation and professional exceptions have their own predicates. | Accreditation is not registration; an attorney's separate statutory professional role must be real. |\n| Records and exams | Application statements, public/confidential information categories, specified updates, financial audits, insurer/bond controls and regulator examination powers apply. | Exact extra rules, reporting forms and schedule not obtained. |\n| Suspension / revocation | §434 allows action for listed material violations, insolvency and failures of examination; emergency trust-related action and judicial steps have specific conditions. | No penalty or seizure should be assumed without the required process. |\n\nlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.com### The crucial fee-currentness hold\n\nSection 432(f) directs the Lieutenant Governor to adopt inflation-adjusted dollar figures, based on a designated CPI-U base year, triggered by at least a 10% index change, effective July 1 as specified; most affected amounts are rounded to $100, whereas §423 fee figures are rounded to whole dollars. This reaches the statutory numbers in §§402, 405, 409, 413, 423, 433 and 435. The base-year rule, actual notices and any adjustment schedule were not retrieved.\n\nThus, the next figures are faithfully reported printed statutory figures, not certified 2026 effective maxima. No inflation factor or updated cap has been invented. law.justia.com\n\n## 4. Permitted fees: territorial text versus federal timing\n\n| Charge or calculation | Title 12A, §423, as reproduced in 2025 | Governing qualification |\n| --- | --- | --- |\n| General prerequisite | No provider charge/payment except what §423 permits; valid signed agreement complying with §§419 and 428 before charges. | A signed contract is not enough to satisfy an independently applicable TSR timing prohibition. |\n| Education/counseling without an agreement | Printed maximum $100, unless Lieutenant Governor approves more for actual nature/extent of services. | If a qualifying agreement follows within 90 days after those services end, §423(e) requires refund of that educational fee. |\n| DMP involving reduced interest, late fees or finance charges | Printed startup ≤$50; monthly ≤min($10 × participating remaining creditors, $50). | No simultaneous collection under DMP and settlement startup/monthly tracks. |\n| Settlement for less than principal | Printed setup ≤min($400, 4% × plan debt at inception); monthly ≤min($10 × remaining creditors, $50). | Subject to §419(d)'s refund provisions and federally applicable timing. |\n| Additional settlement-service compensation | Per-debt ceiling: 30% × (principal when agreed − amount paid to creditor) − specified setup/monthly fees not previously credited against an earlier settlement fee. | §423(f)'s per-debt allocation and credit history must be documented; no negative additional fee is assumed. |\n| Dishonored payment | Reasonable charge, printed ≤min($25, other applicable law's allowance). | Not a general “late charge” authorization. |\n| Voluntary contributions | §424 bars solicitation from the individual or affiliate; limited acceptance, with aggregate collections restricted to otherwise authorized fees until 30 days after plan end. | Voluntary labels do not turn compensation into an exemption. |\n| Creditor “fair share,” lender referral money | Actual source and recipient matter. Chapter 7 requires creditor-compensation disclosure and restricts provider referral compensation, with a narrow government-sponsored counseling exception. | No invented universal dollar or percentage cap on every creditor contribution. |\n\nlaw.justia.comlaw.justia.comlaw.justia.comWhen the FTC TSR applies, §310.4(a)(5) bars requesting or receiving debt-relief fees until a particular debt has been changed pursuant to an executed creditor agreement, the customer has made a payment under that agreement, and the prescribed per-debt proportional/savings allocation is met. For covered unsecured-debt telemarketing programs, this can prevent the up-front collection of startup or monthly fees that the territorial text otherwise describes. The TSR's separate qualified customer-owned account arrangement allows fund accumulation, subject to insured institution, independence, interest, referral and withdrawal/refund conditions; it does not allow advance earned provider fees. ecfr.govecfr.govecfr.gov\n\nIn turn, where covered credit-repair claims and consideration bring an actor within CROA, §1679b(b) bars charging for a service before it is fully performed. Where a covered telemarketing credit-improvement representation independently triggers TSR §310.4(a)(2), further completion-and-evidence conditions apply. Neither regime is automatically imposed on every bare negotiation of debt. govinfo.govCOMMERCE AND TRADEecfr.gov\n\n## 5. Agreement, cancellation, creditor consent and customer money\n\n### Required pre-agreement work and disclosures\n\nUnder §417, a registered provider must give a retainable, itemized service/charge list. A certified counselor or certified debt specialist must provide financial education and analysis. For a plan involving regular payments, the provider must assess suitability and ability to pay, and have a basis for believing listed creditors will accept the contemplated payments.\n\nBefore assent, the individual must receive the applicable analysis, plan, creditor participation/nonparticipation information, alternatives and risk disclosures. The requirements distinguish plans anticipating reductions in interest and charges from plans anticipating reduced principal. Settlement-related risks include impaired credit, continued collection or litigation, possible increasing balances and potential tax consequences. Advertisements carry related warnings under §430. These are duties to evaluate and disclose, not proof that creditors have agreed. law.justia.comlaw.justia.com\n\n| Issue | Rule in the accessed territorial text | Qualification or limit |\n| --- | --- | --- |\n| Form and copy | §419(a): retainable record, dated signatures of individual and provider, party details, services, itemized fees, payment schedules and immediate delivery of agreement. | §419(b) permits retrievable/saveable/printable electronic delivery with notice. |\n| Creditor details | For regular creditor payments, identify expected participants, each obligation and planned disbursement; identify creditors expected not to participate. | Forecast participation is not an actual creditor concession. |\n| Assent to larger settlement | Under §§419(e), 428(a)(2)–(3), a power of attorney cannot authorize settlement above 50% of debt principal; a creditor-approved settlement above 50% requires the individual's later assent. | A provider has no power to force a creditor to accept even a 50% offer. |\n| Creditor rejection/withdrawal | Agreement must provide notice to the individual within five days after provider learns of a creditor's final rejection or withdrawal, identifying the creditor and the right to modify or terminate. | No universal deadline obliging a creditor to respond was established. |\n| Choice of law/forum | §419(f) restricts choice-of-law, forum and remedial waivers. | The reproduced §419 contains apparent model-act section-reference remnants (“Section 27(a)” and “Section 20”); controlling Act comparison remains a hold. |\n| Language | §421: English unless agency rule changes it; translated mandatory documents if provider communicates primarily in another language. | Actual implementing rules unverified. |\n| Electronic disclosure | §418 applies federal E-SIGN consumer-consent predicates to specified sections; web disclosure presentation and paper-copy rights are detailed. | §418 specifically defines consumer for its purpose as primarily personal/family/household; cannot assume identical electronic route for a business-purpose individual. |\n| Ordinary cancellation | §420(a): written/record notice by midnight on the third business day after assent; mailing effective when mailed. | A defective agreement under listed provisions permits the stated 30-day cancellation period instead. |\n| Emergency waiver | §420(c): narrow actual financial emergency requiring early creditor disbursement; customer's own signed, dated explanation and explicit waiver. | Standard-form waiver is void. |\n| Later individual termination | §419(d): individual may terminate at any time by written/electronic notice, without penalty; unused customer money is refunded, specified settlement setup fee portion refunded, powers of attorney revoked. | Already-authorized and earned charges require independent verification; creditor's remaining claim is unaffected. |\n| Provider termination | §426(a): provider may terminate after 60 days' failure to make required payments; §426(b) controls immediate customer money and qualifying setup-fee return on termination by either party. | The contract cannot create a broader unilateral forfeiture of customer reserves. |\n| Monthly accounting | §427: monthly during plan, on termination/cancellation, and within five business days of a request, with an exception for more than one request per calendar month. | Must show receipts, creditor payments, deductions, reserves and settlement-fee calculation details. |\n| Record retention | §427 requires provider records for five years after the last payment by the individual. | This is a provider record duty, not the limitations period for creditor claims. |\n\nlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comCancellation is not the same as forgiveness of debt. An individual can cancel or void an agreement with the provider under applicable rules, but the actual creditor still controls whether its original contract was altered or satisfied. No underlying debt, judgment, lien or adverse reporting entry is automatically nullified by a provider's registration failure.\n\n### Customer funds: distinguish two arrangements\n\n| Question | Provider-held VI trust money — §§402(20), 422 | Federal TSR qualified dedicated account — §310.4(a)(5)(ii) |\n| --- | --- | --- |\n| Trigger | Money given to the provider for distribution to creditors under a plan. | Covered TSR debt-relief program asks consumer to accumulate funds in a dedicated account. |\n| Institution | Insured bank under territorial definition; segregated, identified trust arrangement. | Insured financial institution. |\n| Ownership | Money is not the provider's/designee's property and is protected from their creditors as prescribed in §422(b). | Customer owns funds and receives any accrued interest. |\n| Administrator | Provider may operate the regulated trust under §422, with ledger and reconciliation duties. | Administrator must be independent of, and unaffiliated with, debt-relief provider; no compensated business referrals between them. |\n| Deposits | Provider deposits customer money within two business days of receipt. | No provider-fee entitlement arises merely from depositing savings. |\n| Ledger/operations | Separate individual records, balances summing to actual cash, at least monthly reconciliation, payments under agreed plan/creditor due dates, corrections of misdirected transfers and reimbursement for resulting creditor fees. | Dedicated-account conditions govern; territorial provider-held trust rules are not silently imported to every independent third-party account. |\n| Withdrawal/termination | Territorial §422(h) calls for prompt return of unspent money less §423-payable fees; §426 imposes immediate return on termination. | Qualified TSR account requires return of unearned funds within seven business days after customer withdrawal request. |\n| Theft/failure | §422(g): immediate regulator notice of suspected unlawful appropriation and further information within the prescribed period unless modified by rule. | Applicable contract/account, federal and possible separate banking rules require their own review. |\n| Insolvency | Statutory ownership protection stated for provider-held trust money. | Verify actual account title, administrator and ownership; cannot promise recovery from any insolvency merely because marketing calls an account “escrow.” |\n\nlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comecfr.govNo located territorial operative provision establishes a blanket requirement that every settlement company's customer's account be in a bank physically located in the Virgin Islands. That does not eliminate account eligibility, registration, insurer, regulator-examination or bank-location reporting rules. Whether a distinct money-transmission license attaches to additional independent remittance conduct remains a separate, unresolved activity test under Title 9, Chapter 22—not a license inferred from the mere existence of Chapter 7. law.justia.com\n\n## 6. Consequences, remedies and read-only consumer process\n\n| Route | Statutory powers or remedies | Conditions and limits |\n| --- | --- | --- |\n| Lieutenant Governor investigation | §432(a)–(b): complaints, examinations within or outside VI, records and subpoenas, possible Attorney General referrals, exam expense recovery. | Individual identities in regulatory information have confidentiality limits. |\n| Administrative correction | §433(a): desist/correct orders, restitution to aggrieved persons, civil actions, injunctions and intervention. | Printed civil penalty up to $10,000 per violation, subject to inflation rule, regulator discretion and enumerated factors. |\n| Final-order violation | §433(b): printed civil penalty up to $20,000 per violation for specified final-order violations/knowing participation. | Not an automatic consumer damage award. |\n| Registration sanctions | §434: suspension, revocation and nonrenewal on enumerated grounds; expedited protections for specified trust failures. | Applicable hearing and judicial procedures cannot be skipped. |\n| Unauthorized fees | §425(a) makes the provider agreement voidable at the individual's election, with §435(b) providing a specified treble recovery in a civil action. | It is not automatic rescission of creditor contracts. |\n| Unregistered provider | §§425(b)–(c), 435(a): individual may void provider agreement, with recovery in a civil action of paid/deposited money except amounts paid to creditors; provider loses specified contract/restitution claims against that individual. | Must establish requirement to register, absence of registration at assent and exercise of voidability. |\n| Other material provider violations | §435(c): proven injury, including noneconomic injury; for enumerated sections, greater of injury or printed $5,000 minimum; punitive damages and fees as specified. | Class-action modification, actual violation, causation, statutory good-faith-error defense and judicial determination matter. |\n| Cancellation-right violation | §435(e): additional expressly stated recovery of paid/deposited money excluding payments to creditors. | No automatic double restitution for the same dollars. |\n| Consumer fraud overlap | Title 12A, Chapter 6 protects against specified deceptive consumer-service acts; §§327–328 establish DLCA enforcement, §331 addresses its private action. | §436 forbids a duplicate recovery under Chapters 6 and 7 for the same act/practice; Chapter 6's own consumer-purpose definitions and exemptions govern. |\n| Limitation period for provider-law enforcement | §437: four years for specified Lieutenant Governor actions; private §435 action within two years after the latest of enumerated payments, accounting, discovery or agency-action events, with specified tolling. | These are provider statute limitation rules only; this pass does not research general debt limitations/revival. |\n| Federal CROA, if independently applicable | §1679g allows a specified measure of actual damages/fees paid, court-allowed punitive damages and fees in successful actions. | Federal CROA definitions, exclusions and independent procedure control; do not transfer its remedies to a provider who is not covered. |\n| Criminal offense | Chapter 7's expressly read remedy sections primarily specify civil/administrative action. | A Chapter 7-specific criminal penalty was not located in the bounded review; no declaration that other laws are inapplicable. |\n| Square provider cases | No controlling appellate decision squarely deciding Chapter 7 settlement-provider applicability/fees was identified in the bounded official-court search. | NOT LOCATED, not proof that no decisions or agency orders exist. |\n\nlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comlaw.justia.comgovinfo.govOfficial read-only public resource categories:\n\n- [Lieutenant Governor — Banking, Insurance and Financial Regulation](https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/?utm_source=chatgpt.com): principal provider-regulator identity and public notices.\n- [DLCA Consumer Affairs](https://www.dlca.vi.gov/consumeraffairs/?utm_source=chatgpt.com): published unfair/deceptive-practice complaint function and general license-search entry point.\n- [USVI Department of Justice](https://usvidoj.com/?utm_source=chatgpt.com): Attorney General/territorial civil and enforcement functions.\n- [Virgin Islands judiciary](https://supreme.vicourts.org/about_us?utm_source=chatgpt.com): court hierarchy, rules and published-opinion navigation.\n- [District Court Bankruptcy Division](https://www.vid.uscourts.gov/bankruptcy-division-0?utm_source=chatgpt.com): independent federal alternative information; not an enrollment referral.\n\nThese are resources to understand a process, not a direction to submit a complaint, seek credit, enroll with a provider or commence proceedings.\n\n### Individual provider-evaluation checklist — documents only\n\n1. Identify who contracts with the individual, who speaks to creditors, who collects compensation, and who holds funds. Keep the actual agreement, schedules and advertising representation.\n2. Compare territorial registration to mere DLCA business licensing, another state's license, counselor accreditation and nonprofit representations. Do not infer identity or authority from the brand name.\n3. Examine the exact fee base and earned-fee event: debt balance at agreement, amount actually paid to creditor, prior setup/monthly amounts, credits, refund and any paid creditor contributions.\n4. Record whether there were telephone sales, interstate calls, qualifying unsecured debts, creditor-executed agreements and actual first creditor payment before fees. A web landing page alone does not settle TSR coverage.\n5. Separate provider-held trust from customer-owned independent account. Read ownership, bank/administrator identity, reconciliation, disbursement permissions, withdrawal rights and termination instructions.\n6. Look for the individualized analysis, creditor participation assumptions, litigation/credit/tax risk disclosures, cancellation form, language provisions, powers of attorney and periodic accountings.\n7. Preserve the distinction between provider dispute and creditor obligation. A provider refund or cancellation does not prove a creditor released the debt.\n8. If documents are missing or inconsistent, classify the result as unverified and retain the statutory issue; do not fill gaps with a savings estimate or an assumed provider promise.\n\n### Three bounded hypotheticals\n\n#### Example A — classification and failed exemption\n\nAssumptions: A company has no VI office. It is incorporated elsewhere, holds that state's registration, describes itself as nonprofit and offers telephone counseling. For a natural person whom it knows resides in St. Croix, it negotiates concessions with three credit-card issuers. Those issuers pay the company for successful enrollments. No attorney-client legal services or bank exemption is involved.\n\nPredicates and result:\n\n1. Three creditors' more-favorable terms are concessions, and the company is an intermediary: §402(6), (8), (15).\n2. Known VI residence when agreeing means §404 applies even without a VI storefront.\n3. Creditor compensation defeats the no-compensation exclusion in §403(b)(2).\n4. Nonprofit status does not exempt it, and §409(d) adds an independent-board predicate.\n5. Another state's registration may simplify submission under §412 but does not itself issue a VI certificate.\n\nConclusion: Treat Chapter 7 territorial registration as required on the stated assumptions. Its status remains unverified without the Lieutenant Governor's registration information. If genuine uncompensated counseling without creditor concessions replaced these facts, classification could differ. Consumer commercial-purpose or business-entity borrowing must also be evaluated separately. law.justia.comlaw.justia.comlaw.justia.comlaw.justia.com\n\n#### Example B — worked fee ceiling and federal timing\n\nAssumptions: One natural-person unsecured debt, original principal at agreement $10,000.00; creditor ultimately agrees to accept $6,000.00 in full satisfaction. Assume an otherwise valid VI settlement-plan agreement, a setup charge of $400.00, two monthly charges of $10.00 each, all uncredited against earlier settlement fees. Assume printed §423 figures apply only for this historical-text illustration; no separate inflation-adjustment figure is assumed.\n\n| Step | Plain-text equation | Result |\n| --- | --- | --- |\n| Printed setup maximum | min($400.00, 0.04 × $10,000.00) | $400.00 |\n| Two one-creditor monthly maxima | 2 × min($10.00 × 1, $50.00) | $20.00 |\n| Actual assumed creditor reduction | $10,000.00 − $6,000.00 | $4,000.00 |\n| Printed per-debt settlement percentage ceiling | 0.30 × $4,000.00 | $1,200.00 |\n| Illustrative additional settlement-fee ceiling | $1,200.00 − $400.00 − $20.00 | $780.00 |\n| Illustrative aggregate of these provider fees | $400.00 + $20.00 + $780.00 | $1,200.00 |\n\nAll calculations are exact to cents; no rounding beyond displaying two decimal places is necessary. This is a ceiling calculation, not an authorized payment schedule or recommended price. It assumes the full $6,000 was actually paid to satisfy the debt and that §423(f)'s prior-credit conditions are met. For multiple debts, prior fee credits and each debt's separate base must be reconstructed.\n\nIf covered by the TSR, requesting the $400 setup and $10 monthly payments before its creditor-agreement/first-payment conditions would breach federal fee timing, notwithstanding these territorial printed allowances. If no qualifying settlement or payment has occurred, the illustrated $780 is not presently collectible merely because it can be calculated. Current territorial adjustment rules remain unresolved. law.justia.comecfr.govlaw.justia.com\n\n#### Example C — termination and money versus creditor obligations\n\nAssumptions: An individual has remitted $1,200.00 to a provider-held §422 trust for scheduled creditor payments. The provider has properly paid a creditor $350.00 and has earned no provider fee. The customer sends an effective later termination notice. A separate optional variant assumes $200.00 of a settlement setup fee was collected and none was credited to an earlier settlement fee.\n\n| Item | Calculation | Result |\n| --- | --- | --- |\n| Individual's initial trust balance | Given | $1,200.00 |\n| Properly paid creditor | Given | −$350.00 |\n| Provider fees payable from reserve | Assumed zero | −$0.00 |\n| Remaining individual trust money | $1,200.00 − $350.00 − $0.00 | $850.00 |\n| Variant: qualifying setup-fee refund | 0.65 × $200.00 | $130.00 |\n\nSection 426(b) calls for immediate return of the $850.00 trust balance upon termination and, in the separate variant where its predicates hold, the $130.00 setup-fee refund. Section 419(d) revokes provider powers of attorney. The creditor retains the $350 properly paid and any remaining contractual debt unless there is an actual creditor agreement altering it.\n\nA valid timely §420 cancellation presents a different refund analysis from later termination, including the required early-cancellation form and possible narrowly valid emergency waiver. An unaffiliated TSR-qualified savings account presents still another seven-business-day withdrawal rule. Nothing here assumes an actual cancellation date, holiday calendar, creditor release or provider insolvency recovery. law.justia.comlaw.justia.comlaw.justia.comlaw.justia.comecfr.gov\n\n## A. Visible source register\n\nRegister convention. All source checks below occurred October 26, 2026, unless explicitly distinguished. The full literal addresses appear in the tables; none is an abbreviated URL.\n\n- T — territorial codified-text mirror: An actual enacted-code section reproduced as 2025 Virgin Islands Code on Justia. The operative HTML section body was opened/read, unless marked otherwise. The site is not an official publisher, disclaims guaranteed currentness, and does not prove intervening amendments or implementing rules. For every T entry: jurisdiction USVI; asserted historical enactment Act No. 7145 (2010) for Chapter 7; checked 2026-10-26; HTML printed page = not applicable; PDF page index = not applicable; no source-document pixels examined. Historical session-law page references on that site were not independently inspected as page images.\n- G — government/official institutional page: Direct live HTML body or expressly limited discovery, current accessibility checked 2026-10-26; publication date often not shown; no PDF pages.\n- F — federal operative source: eCFR HTML displayed Title 16 version through October 22, 2026 or GPO's 2024 U.S. Code edition as specified, opened on 2026-10-26. eCFR is authoritative but expressly unofficial; GPO published Code text is an official federal source. A 2024 edition is not itself proof no later statutory amendment exists.\n- D — discovery or failed operative access only: Not evidence for a substantive claim.\n\n### A1. Territorial authority and full Chapter 7 text\n\n| Source ID | Issuer, title and full literal direct URL | Exact read bounds / status |\n| --- | --- | --- |\n| J_VI-P01-S001 | VI Election System, Virgin Islands Code — `https://vivote.gov/virgin-islands-code/` | G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text. |\n| J_VI-P01-S002 | LexisNexis, VI Code public gateway — `https://advance.lexis.com/` | D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed. |\n| J_VI-P01-S003 | Office of Lieutenant Governor, DBIFR — `https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/` | G, regulator's financial-services responsibilities, documents/links page. No read and authenticated Chapter 7 adjustments or registration roster obtained. |\n| J_VI-P01-S004 | DLCA, department home and license-search entry — `https://dlca.vi.gov/` | G, public navigation/features; no entity lookup. General licensing only. |\n| J_VI-P01-S005 | VI Supreme Court, About Us — `https://supreme.vicourts.org/about_us` | G, institutional appellate history/jurisdiction text, §§ on establishment and appeals. Not an opinion deciding Chapter 7. |\n| J_VI-P01-S006 | District Court of VI, Bankruptcy Division — `https://www.vid.uscourts.gov/bankruptcy-division-0` | G, federal bankruptcy division and scope description; no individual eligibility or case search. |\n| J_VI-P01-S007 | Virgin Islands Code, Title 12A Ch.7 index — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/` | T, full statutory section inventory §§401–441; index alone not operative proof. |\n| J_VI-P01-S008 | VI Legislature law, §401 Short title — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/` | T, §401 body/history, Act short name. |\n| J_VI-P01-S009 | VI Legislature law, §402 Definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/` | T, §§402(1)–(20), especially (3), (5)–(9), (11)–(15), (17), (19)–(20). |\n| J_VI-P01-S010 | VI Legislature law, §403 Exempt agreements and persons — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/` | T, §§403(a), (b)(1)–(2), (c)(1)–(4). |\n| J_VI-P01-S011 | VI Legislature law, §404 Registration — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/` | T, §§404(a)–(c), resident knowledge, agent and public-list requirement. |\n| J_VI-P01-S012 | VI Legislature law, §405 Application form, fee and documents — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/` | T, §§405(a)–(b), including (b)(1)–(6). Printed insurance/bond-related predicates; apparent drafting irregularity in (b)(5), original-law verification hold. |\n| J_VI-P01-S013 | VI Legislature law, §406 Application required information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/` | T, enumerated application paragraphs (1)–(19), locations, internet, audits, accreditation, personnel, programs and agreements. |\n| J_VI-P01-S014 | VI Legislature law, §407 Changes in information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/` | T, §407 update duty and enumerated cross-references; prescribed ten-day update in specified circumstances. |\n| J_VI-P01-S015 | VI Legislature law, §408 Public information — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/` | T, §408 application public-inspection and confidential categories; not a retrieval of actual applications. |\n| J_VI-P01-S016 | VI Legislature law, §409 Issuance or denial — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/` | T, §§409(a)–(d), temporary authority, fitness, nonprofit-board condition. |\n| J_VI-P01-S017 | VI Legislature law, §410 Registration timing — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/` | T, §§410(a)–(c): agency time, hearing/review, one-year term; apparent “Commission” reference requires enacted-text check. |\n| J_VI-P01-S018 | VI Legislature law, §411 Renewal — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/` | T, §§411(a)–(e), advance application, coverage, accounts, pendency and denial consequences. |\n| J_VI-P01-S019 | VI Legislature law, §412 Registration in another state — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/` | T, introductory paragraph and (1)–(3); application substitution, not registration reciprocity. |\n| J_VI-P01-S020 | VI Legislature law, §413 Bond required — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/` | T, §§413(a)–(e): face amount, adjustment discretion, continuity, claims. |\n| J_VI-P01-S021 | VI Legislature law, §414 Bond substitute — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/` | T, §§414(a)(1)–(2), (b): approved insurance, letters of credit and obligations. |\n| J_VI-P01-S022 | VI Legislature law, §415 Good faith — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/` | T, operative section opened; note distinct §435(f) specific litigation defense. |\n| J_VI-P01-S023 | VI Legislature law, §416 Customer service — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/` | D, direct opening failed; third-party search index identifies heading, but actual current operative text not relied upon. Customer-service detail held. |\n| J_VI-P01-S024 | VI Legislature law, §417 Prerequisites — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/` | T, §§417(a)–(d), complete long disclosure/plan/counselor provisions. |\n| J_VI-P01-S025 | VI Legislature law, §418 Electronic communication — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/` | T, §§418(a)–(i), E-SIGN consent, online display, paper copies and termination procedures. |\n| J_VI-P01-S026 | VI Legislature law, §419 Agreement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/` | T, §§419(a)–(g), contract, creditor consent, termination, powers of attorney, forum terms. Contains apparent residual model numbering. |\n| J_VI-P01-S027 | VI Legislature law, §420 Cancellation and waiver — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/` | T, §§420(a)–(c), both cancellation windows, form and emergency waiver. |\n| J_VI-P01-S028 | VI Legislature law, §421 Language — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/` | T, complete §421, English/translation/possible rule modification. |\n| J_VI-P01-S029 | VI Legislature law, §422 Trust account — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/` | T, §§422(a)–(i), beneficiary, deposits, ledgers, reconciliation, suspicious loss, relocation, refund. |\n| J_VI-P01-S030 | VI Legislature law, §423 Fees and charges — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/` | T, §§423(a)–(g), all fee tracks, crediting and conditional dollar adjustment. |\n| J_VI-P01-S031 | VI Legislature law, §424 Voluntary contributions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/` | T, entire §424, no solicitation and aggregate restriction. |\n| J_VI-P01-S032 | VI Legislature law, §425 Voidable agreements — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/` | T, §§425(a)–(c), fee and registration-related voidability. |\n| J_VI-P01-S033 | VI Legislature law, §426 Termination — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/` | T, §§426(a)–(b), missed payments and mandatory returns. |\n| J_VI-P01-S034 | VI Legislature law, §427 Reports/record retention — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/` | T, §§427(a)–(c), statement content, timing, five-year preservation. |\n| J_VI-P01-S035 | VI Legislature law, §428 Prohibited practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/` | T, §§428(a)–(d), trust, assent, referral and other prohibited conduct; exceptions inspected with main restrictions. |\n| J_VI-P01-S036 | VI Legislature law, §429 Notice of claims — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/` | T, §429 provider notice to regulator concerning covered litigation. |\n| J_VI-P01-S037 | VI Legislature law, §430 Advertising — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/` | T, §§430(a)–(b), DMP and settlement-specific warning disclosures. |\n| J_VI-P01-S038 | VI Legislature law, §431 Delegation — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/` | T, §431: provider responsibility for delegated services. |\n| J_VI-P01-S039 | VI Legislature law, §432 Lieutenant Governor powers — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/` | T, §§432(a)–(g), complaints, exams, rules, fees, CPI triggers, rounding and public notice. |\n| J_VI-P01-S040 | VI Legislature law, §433 Administrative remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/` | T, §§433(a)–(e), penalties, enforcement and mitigating factors. |\n| J_VI-P01-S041 | VI Legislature law, §434 Suspension/revocation — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/` | T, §434 entire operative section, ordinary/emergency sanctions and process. |\n| J_VI-P01-S042 | VI Legislature law, §435 Private enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/` | T, §§435(a)–(g), separate remedies and defenses. |\n| J_VI-P01-S043 | VI Legislature law, §436 Chapter 6 overlap — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/` | T, complete no-double-recovery provision. |\n| J_VI-P01-S044 | VI Legislature law, §437 Limitation periods — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/` | T, §§437(a)–(c), provider enforcement and private-action limitation triggers only. |\n| J_VI-P01-S045 | VI Legislature law, §438 Uniformity of application — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/` | T, complete interpretive provision; does not enact every later model-law revision. |\n| J_VI-P01-S046 | VI Legislature law, §439 Relation to E-SIGN — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/` | T, complete §439, retained federal consumer-consent protections. |\n| J_VI-P01-S047 | VI Legislature law, §440 Transitional transactions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/` | T, complete provision; original operative effective date not established. |\n| J_VI-P01-S048 | VI Legislature law, §441 Severability — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/` | T, complete severability provision. |\n\nAll Chapter 7 statutory links above contain reproductions of enacted text, not a new opinion from the hosting website. Their source-authenticity weakness is deliberately retained. The 2008/2011 national Uniform Law Commission model versions and other states' enactments were not substituted for the Virgin Islands statute.\n\n### A2. Adjacent territorial law, federal statutes, regulations and institutional sources\n\n| Source ID | Issuer, title and full literal direct URL | Exact read bounds, version, pages and limits |\n| --- | --- | --- |\n| J_VI-P01-S049 | VI Legislature law, Title 27 §301, general licenses — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/` | T, 2025 Title 27 §301 operative body, business-licensing framework. Chapter 7 applications reference compliance; not a verified Chapter 7 certificate. |\n| J_VI-P01-S050 | VI Legislature law, Title 27 §302, covered businesses/fees — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/` | T, 2025 Title 27 §302 list/amounts, read for debt-management and adjacent collection/credit business categories. Do not relabel a collector's license as a provider registration. |\n| J_VI-P01-S051 | VI Legislature law, Title 12A §303, consumer-fraud definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/` | T, 2025 Chapter 6 §§303(c)–(f), (h), (k)–(l), consumer/deception/department definitions. Different coverage from Chapter 7. |\n| J_VI-P01-S052 | VI Legislature law, Title 12A §304, deceptive practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/` | T, 2025 §304 prohibited conduct. No debt-management license created by this provision. |\n| J_VI-P01-S053 | VI Legislature law, Title 12A §327, DLCA enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/` | T, 2025 §327 body; Chapter 6 authority only. |\n| J_VI-P01-S054 | VI Legislature law, Title 12A §328, DLCA remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/` | T, 2025 §328 administrative/judicial remedy body; not automatically an individual Chapter 7 award. |\n| J_VI-P01-S055 | VI Legislature law, Title 12A §331, private action — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/` | T, 2025 §331 action and remedies, subject to its elements and §436 nonduplication. |\n| J_VI-P01-S056 | VI Legislature law, Title 12A §333, exceptions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/` | T, 2025 §333; an exemption from Chapter 6 is not necessarily an exemption from Chapter 7. |\n| J_VI-P01-S057 | VI Legislature law, Title 9 Ch.22, Uniform Money Services Act index — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/` | T-index, 2025 separate money-transmission/check-cashing/currency-license organization. Index alone cannot resolve independent payment-intermediary licensing. |\n| J_VI-P01-S058 | FTC/OFR, 16 CFR §310.2, definitions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2` | F, eCFR displayed as of 2026-10-22; actual §§310.2(o), (ff), (hh)–(ii) read. HTML; printed/PDF n/a. |\n\n| J_VI-P01-S059 | FTC/OFR, 16 CFR §310.3, disclosure/misrepresentation — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310` | F, whole Part 310 operative HTML, §310.3(a)(1)(viii), (a)(2), footnote 1 read. Specific### A2. Adjacent territorial law and institutions\n\nFor the territorial-code rows in this table, T has the same read-date, version, HTML-only, currentness and nonofficial-host limitations defined above.\n\n| Source ID | Issuer, title and full literal direct URL | Exact read bounds / status |\n| --- | --- | --- |\n| J_VI-P01-S049 | VI Legislature law, Title 27 §301 Business licenses — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/` | T, §301 application/general license prerequisites. Separate from Chapter 7 registration. |\n| J_VI-P01-S050 | VI Legislature law, Title 27 §302 Categories and fees — `https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/` | T, full category/fee list; checked relevant credit-bureau/collection wording and absence of an obvious separately named debt-settlement line; no equivalence presumed. |\n| J_VI-P01-S051 | VI Legislature law, Title 12A §303 Consumer-fraud definitions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/` | T, §§303(c)–(f), (h), (j)–(l): DLCA, consumer purpose, deception, commerce and telemarketing. |\n| J_VI-P01-S052 | VI Legislature law, Title 12A §304 Deceptive business practices — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/` | T, §304 operative prohibition. |\n| J_VI-P01-S053 | VI Legislature law, Title 12A §327 Enforcement — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/` | T, §327 DLCA enforcement. |\n| J_VI-P01-S054 | VI Legislature law, Title 12A §328 DLCA remedies — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/` | T, §328 agency relief, procedural predicates; not borrowed as Chapter 7 provider penalties. |\n| J_VI-P01-S055 | VI Legislature law, Title 12A §331 Private right of action — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/` | T, §331 specific private-action text, including its class-action/treble context. No assumed general individual Chapter 6 remedy beyond its actual wording. |\n| J_VI-P01-S056 | VI Legislature law, Title 12A §333 Exemptions — `https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/` | T, §333 exemption; applies to Chapter 6 analysis, not automatically Chapter 7. |\n| J_VI-P01-S057 | VI Legislature law, Title 9 Ch.22 Uniform Money Services Act — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/` | T, chapter/subchapter headings only; adjacent activity-law discovery, not sufficient to find debt-plan administration automatically licensed as transmission. |\n| J_VI-P01-S058 | FTC/OFR, 16 CFR §310.2 TSR definitions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2` | F, entire §310.2, especially (o), (ff), (hh)–(ii). eCFR displayed 2026-10-22 version, last Title 16 amendment 2026-10-19; HTML, no print/PDF index. |\n| J_VI-P01-S059 | FTC/OFR, 16 CFR §310.3 through Part 310 complete text — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310` | F, actual §310.3(a)(1)(viii), misrepresentation terms, associated footnote read within Part 310; direct single-section fetch was unreliable. Same dated eCFR display and HTML limitations. |\n| J_VI-P01-S060 | FTC/OFR, 16 CFR §310.4 Abusive telemarketing — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4` | F, §§310.4(a)(2), (a)(5)(i)(A)–(C), (a)(5)(ii)(A)–(E); same eCFR status; no PDF inspected. |\n| J_VI-P01-S061 | FTC/OFR, 16 CFR §310.6 Exemptions — `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6` | F, §§310.6(b)(3)–(7) and exception clauses; same version, HTML. |\n| J_VI-P01-S062 | FTC staff, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business — `https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business` | G / agency guidance, live explanatory body, initially issued for 2010 debt-relief rules, checked 2026-10-26; not controlling against current CFR text. |\n| J_VI-P01-S063 | U.S. Congress/GPO, 15 USC §44 FTC Act definitions — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm` | F, 2024 U.S. Code HTML §44 “Commerce” and “Corporation”; no print/PDF page examined. |\n| J_VI-P01-S064 | U.S. Congress/GPO, 15 USC §1679a CROA definitions — `https://www.govinfo.gov/link/uscode/15/1679a` | F, official 2024 U.S. Code PDF text layer, §1679a(1)–(4), printed p. 1552; PDF index 0. No pixel/image inspection. |\n| J_VI-P01-S065 | U.S. Congress/GPO, 15 USC §1679b CROA prohibited practices — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm` | F, 2024 Code HTML, §§1679b(a)–(b); printed/PDF page not inspected. |\n| J_VI-P01-S066 | U.S. Congress/GPO, 15 USC §1679c CROA disclosures — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm` | F, 2024 Code HTML, §§1679c(a)–(c); printed/PDF page not inspected. |\n| J_VI-P01-S067 | U.S. Congress/GPO, 15 USC §1679d CROA contracts — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm` | F, 2024 Code HTML, §§1679d(a)–(b), performance and terms; no PDF inspected. |\n| J_VI-P01-S068 | U.S. Congress/GPO, 15 USC §1679e CROA cancellation — `https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm` | F, 2024 Code HTML, §§1679e(a)–(c), cancellation/copy requirements; no PDF inspected. |\n| J_VI-P01-S069 | U.S. Congress/GPO, 15 USC §1679g CROA civil liability — `https://www.govinfo.gov/link/uscode/15/1679g` | F, 2024 Code PDF text layer, §§1679g(a)–(b), printed p. 1555; PDF index 0; no pixel inspection. |\n| J_VI-P01-S070 | U.S. Congress/GPO, 15 USC §1679h CROA public enforcement — `https://www.govinfo.gov/link/uscode/15/1679h` | F, 2024 Code PDF text layer, §§1679h(a)–(c), spanning printed pp. 1555–1556; PDF indices 0–1; no pixel inspection. Territorial “State” authorization issue not resolved beyond actual federal text. |\n| J_VI-P01-S071 | U.S. Congress/GPO, 15 USC §1679j Relation to state law — `https://www.govinfo.gov/link/uscode/15/1679j` | F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection. |\n| J_VI-P01-S072 | USVI Department of Justice, institutional site — `https://usvidoj.com/` | G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact. |\n| J_VI-P01-S073 | DLCA, Consumer Affairs — `https://www.dlca.vi.gov/consumeraffairs/` | G, agency functions and public license/complaint navigation; no private complaint, lookup or submission. |\n| J_VI-P01-S074 | Superior Court, Civil Division FAQs — `https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs` | G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified. |\n| J_VI-P01-S075 | VI Legislature law, Title 9 §503 Money services exclusions — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/` | T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money. |\n| J_VI-P01-S076 | VI Legislature law, Title 9 §511 Money transmission license — `https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/` | D, indexed §511 title but direct body failed; no separate licensing conclusion drawn. |\n| J_VI-P01-S077 | Legislature institutional gateway — `https://legvi.org/` | D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read. |\n\nHistorical and status distinctions: The 2025 code-section text states Act No. 7145 was added January 27, 2010, with 2009 session-law pagination. That is historical enactment metadata, not proof that a bill became operative immediately or that no later amendment or adjustment occurred. No proposed bill or model-law text has been treated as enacted VI law. The web search returning the British Virgin Islands government's `gov.vg` law database was excluded as a different country/jurisdiction.\n\nBounded negative searches, October 26, 2026: Public indexed searches covered `ltg.gov.vi`, `legvi.org`, `dlca.vi.gov`, `supreme.vicourts.org`, `vicourts.org`, `vid.uscourts.gov` and `ca3.uscourts.gov`. Exact combinations included `“Act 7145”`, `“debt-management” “rule”`, `“debt management” “registration”`, `“12A V.I.C.” “423”`, `“12A” “435”` and `“Uniform Debt-Management Services Act”`. They found the regulator's general page but did not retrieve the specific operative Chapter 7 rule, fee adjustment, registered-provider roster, or square controlling opinion. These are bounded search results, never proof of legal absence.\n\n## B. Visible claim register — A066 / J_VI-P01\n\nEvery row is an A066 research claim, not an accepted operational rule. Source IDs refer to the full URLs and access notes above.\n\nAccess/confidence key: P = clearly readable enacted territorial text in an unofficial 2025 mirror, 2026 currency held; F = direct federal text within the stated version; G = government institution's direct public statement; I = bounded interpretation requiring the specified predicates; U = unresolved/discovery only. None represents independent legal review.\n\n### B1. Authority, classification, registration\n\n| Claim ID | Precise A066 statement | Sources and exact pinpoints | Conditions, effect, confidence |\n| --- | --- | --- | --- |\n| J_VI-P01-C001 | Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained. | S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access. | Historical statute located; do not use 2025 label as 2026 certification. P/U |\n| J_VI-P01-C002 | Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses. | S011 §404(c); S039 §432(a)–(g); S003 regulator description. | Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G |\n| J_VI-P01-C003 | VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court. | S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page. | Federal/territorial/private jurisdiction must be independently satisfied. G+P |\n| J_VI-P01-C004 | Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made. | S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a). | Remote provider can be covered; no local storefront necessity. P |\n| J_VI-P01-C005 | FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign. | S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6. | Geographic inclusion is not universal TSR applicability. F |\n| J_VI-P01-C006 | CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions. | S064 §1679a(1)–(3); S071 §1679j. | No premise that every VI credit counselor or negotiator meets CROA. F |\n| J_VI-P01-C007 | Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others. | S009 §§402(6), (8), (13)–(15). | Functional conduct, not business label, governs. P |\n| J_VI-P01-C008 | Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions. | S009 §402(8)(A)–(C); S010 §403(a)–(c). | Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P |\n| J_VI-P01-C009 | No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify. | S010 §403(b)(2); S016 §409(d). | A creditor-funded intermediary may need registration and nonprofit independent board. P/I |\n| J_VI-P01-C010 | VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors. | S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3). | Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I |\n| J_VI-P01-C011 | Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation. | S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map. | Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I |\n| J_VI-P01-C012 | Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration. | S011 §§404(a)–(b); S010 §403. | Applies only when actor/service/residence and exemptions tested. P |\n| J_VI-P01-C013 | Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found. | S011 §404(c); S003 official agency page. | Statutory duty established, lookup availability/current roster unverified. P/U |\n| J_VI-P01-C014 | Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements. | S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301. | No exact issued form/current filing charge, branch tariff or implementation verified. P |\n| J_VI-P01-C015 | Defined changed application information must be updated and specified filings are public while sensitive records are protected. | S014 §407; S015 §408. | Applies to enumerated items, not an invented universal publication or reporting obligation. P |\n| J_VI-P01-C016 | Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist. | S016 §§409(a)–(d); S017 §§410(a)–(c). | Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P |\n| J_VI-P01-C017 | Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only. | S018 §§411(a)–(e); S019 §412(1)–(3). | Neither prior license nor pending incomplete VI filing guarantees authorization. P |\n| J_VI-P01-C018 | Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes. | S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414. | Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P |\n| J_VI-P01-C019 | Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule. | S012 §405(b)(1); S039 §§432(e)–(g). | 2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U |\n| J_VI-P01-C020 | Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act. | S047 §440; S008 §401 history. | Grandfathering cannot be computed from signing/publication date alone. P/U |\n\n### B2. Service conduct, agreements, fees and customer funds\n\n| Claim ID | Precise A066 statement | Sources and exact pinpoints | Conditions, effect, confidence |\n| --- | --- | --- | --- |\n| J_VI-P01-C021 | Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent. | S024 §§417(a)–(d); S037 §§430(a)–(b). | Separate DMP and settlement contexts; no creditor assent guaranteed. P |\n| J_VI-P01-C022 | Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply. | S026 §§419(a)–(c), (f)–(g). | Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U |\n| J_VI-P01-C023 | Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge. | S026 §§419(d)(3), (e); S035 §428(a)(2)–(4). | Provider cannot unilaterally secure creditor concession. P |\n| J_VI-P01-C024 | Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words. | S027 §§420(a)–(c). | No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P |\n| J_VI-P01-C025 | Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures. | S028 §421; S025 §§418(a)–(i); S046 §439. | §418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P |\n| J_VI-P01-C026 | Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified. | S026 §419(d); S033 §§426(a)–(b); S029 §422(h). | Revoke powers of attorney; earned fees and early cancellation have separate analyses. P |\n| J_VI-P01-C027 | Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed. | S009 §402(20); S029 §§422(a)–(i). | Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P |\n| J_VI-P01-C028 | Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years. | S034 §§427(a)–(c). | Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P |\n| J_VI-P01-C029 | Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited. | S035 §§428(a)–(d); S038 §431. | Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P |\n| J_VI-P01-C030 | VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks. | S030 §§423(a)–(d)(3); S039 §432(f). | Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P |\n| J_VI-P01-C031 | VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited. | S030 §423(f)(1)–(2); S009 §402(14), (17). | Each debt, historical principal, final payment and fee-credit ledger required. P |\n| J_VI-P01-C032 | No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply. | S030 §§423(d)(4), (e), (g); S031 §424. | Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P |\n| J_VI-P01-C033 | Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation. | S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6. | Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F |\n| J_VI-P01-C034 | Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates. | S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6. | Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F |\n| J_VI-P01-C035 | Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed. | S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b). | Separate predicates; no automatic application to bare debt negotiation. F |\n| J_VI-P01-C036 | CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered. | S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c). | No exact personal deadline without execution/calendar facts. F |\n\n### B3. Enforcement, crossover and limitations\n\n| Claim ID | Precise A066 statement | Sources and exact pinpoints | Conditions, effect, confidence |\n| --- | --- | --- | --- |\n| J_VI-P01-C037 | Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences. | S032 §§425(a)–(c); S042 §§435(a)–(b). | Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P |\n| J_VI-P01-C038 | Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits. | S039 §§432(a)–(e); S040 §§433(a)–(e). | Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P |\n| J_VI-P01-C039 | Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps. | S041 §434; S017 §410(b). | Not automatic upon allegation; protected procedural rights. P |\n| J_VI-P01-C040 | §435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification. | S042 §§435(a)–(g); S039 §432(f). | Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P |\n| J_VI-P01-C041 | Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred. | S044 §§437(a)–(c); S043 §436. | Provider-law time periods only, not general debt limitation/revival. P |\n| J_VI-P01-C042 | Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits. | S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333. | Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P |\n| J_VI-P01-C043 | Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified. | S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511. | No new mandatory debt-provider license solely by analogy. P/U/I |\n| J_VI-P01-C044 | CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established. | S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0. | U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F |\n| J_VI-P01-C045 | The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action. | S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site. | Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G |\n| J_VI-P01-C046 | Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome. | Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii). | Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I |\n| J_VI-P01-C047 | Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation. | S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2. | Negative search outcome only, not law establishing nonexistence. U |\n| J_VI-P01-C048 | Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval. | S023 §416 failed; S057 Chapter 22 index; S076 §511 failed. | No invented toll-free staffing, secondary license or exception. U |\n\n## C. Granular coverage and disposition table\n\nStatus meanings: `answered` means the question is answered from the specifically identified accessed text, subject to the global territorial currentness hold. `partial` means an important rule is established but implementation, scope or validation remains open. `unresolved` means insufficient governing evidence. `excluded_with_reason` means outside this focused provider pass; no contrary legal conclusion is implied.\n\n### C1. Territorial authority and applicability\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 1.1 Territory, legislature and code authority | partial | §1; J_VI-P01-C001 | Authenticated current Chapter 7 and Act 7145 original | Reconcile enacted Act, subsequent session laws and official code |\n| 1.2 Responsible debt-provider regulator | answered | §1; J_VI-P01-C002 | None for institutional identification | Validate actual program office/forms separately |\n| 1.3 DLCA versus Lieutenant Governor functions | answered | §§1, 3, 6; J_VI-P01-C002, J_VI-P01-C043 | Administrative coordination detail | Review any implementing memoranda only if found |\n| 1.4 Court hierarchy and appellate authority | answered | §1; J_VI-P01-C003 | Provider-specific judicial holding | Separate official opinion search by issue |\n| 1.5 Enacted/current/historical/proposed versions | partial | §1 and register A; J_VI-P01-C001, J_VI-P01-C020 | Original effective clause, amendments through access date | Act/session-law comparison and official consolidation |\n| 1.6 Regulations and dollar-adjustment status | unresolved | §§3–4; J_VI-P01-C019, J_VI-P01-C047 | CPI base year, rules, July 1 effective notices | Read promulgated Title 3 Chapter 35 instruments and agency notices |\n| 1.7 Territorial residence/cross-border gateway | answered | §§1–2; J_VI-P01-C004, J_VI-P01-C012 | Particular service's actual knowledge facts | Apply resident-at-undertaking test to documented hypothetical only |\n| 1.8 FTC Act territory-commerce gateway | answered | §1; J_VI-P01-C005 | Provider/entity-specific FTC coverage | Separate covered-actor analysis |\n| 1.9 TSR territory/telephone gateway | answered | §§1, 4; J_VI-P01-C005, J_VI-P01-C033 | Actual interstate-call campaign facts | Apply §310.2 and §310.6 transaction matrix |\n| 1.10 CROA geographical/activity gateway | partial | §§1, 4; J_VI-P01-C006, J_VI-P01-C035 | Territorial state-enforcement construction/case law | Target CROA statutory jurisdiction and opinions only if needed |\n| 1.11 Federal bankruptcy jurisdiction gateway | answered | §1; J_VI-P01-C003, J_VI-P01-C042 | Nothing further needed for this gateway | Retain complete borrower bankruptcy analysis for separate pass |\n| 1.12 Territorial/federal/private enforcement separation | answered | §§1, 6; J_VI-P01-C038, J_VI-P01-C040, J_VI-P01-C044 | Application to particular events | Keep distinct remedy paths in content schema |\n\n### C2. Provider classification\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 2.1 Statutory provider, concessions and intermediary definitions | answered | §2; J_VI-P01-C007 | None in reproduced definition | Verify enacted wording against official code |\n| 2.2 Debt settlement/negotiation/reduction of principal | answered | §2; J_VI-P01-C007, J_VI-P01-C011 | Transaction-specific activities | Test actual intermediary conduct |\n| 2.3 DMP and creditor concessions/periodic payments | answered | §§2, 4–5; J_VI-P01-C007, J_VI-P01-C021, J_VI-P01-C030 | Creditor participation evidence for any real plan | Keep DMP track distinct |\n| 2.4 Pure credit counseling/education | partial | §2; J_VI-P01-C007, J_VI-P01-C008 | Other independent professional rules; §416 body | Bound actual activity, then inspect any dedicated rule |\n| 2.5 Credit-repair organization vs debt negotiator | partial | §§2, 4; J_VI-P01-C006, J_VI-P01-C035, J_VI-P01-C036 | Dedicated VI credit-services enactment if any | Target official Title 12A/27 and promulgated regulations |\n| 2.6 Existing creditor collecting/restructuring own debt | answered for classification distinction | §2; J_VI-P01-C011 | Collector/creditor conduct law deferred | Do not treat existing-creditor conduct as provider intermediation |\n| 2.7 Actual lender consolidation/refinancing | partial | §2; J_VI-P01-C011, J_VI-P01-C043 | Applicable lending license/product law | Separate lender-product pass if relevant |\n| 2.8 Natural-person versus entity borrower | answered for textual distinction | §2; J_VI-P01-C010 | Mixed-capacity borrower authority | Maintain entity/person classification |\n| 2.9 Personal versus commercial-purpose debts | partial | §2; J_VI-P01-C010 | Controlling interpretation of business-purpose individual cases | Locate official decision or legislative construction |\n| 2.10 Secured versus unsecured debts | partial | §§2, 4; J_VI-P01-C010, J_VI-P01-C033 | Secured-plan interactions; federal collector definition branches | Do not transfer TSR's unsecured scope to VI law |\n| 2.11 Internet/offshore/nonresident provider | answered | §§2–3, Example A; J_VI-P01-C004, J_VI-P01-C012 | Actual facts of undertaking/residence | Apply statute before geography assumptions |\n| 2.12 Dedicated additional VI “debt adjustment”/“credit-services” license | unresolved / NOT LOCATED | §§2–3; J_VI-P01-C043, J_VI-P01-C048 | Official regulatory text and additional enacted provisions | Repeat narrowly in authenticated code/regulation repository, not other states |\n| 2.13 Adjacent money transmission | unresolved | §5; J_VI-P01-C043, J_VI-P01-C048 | §511 operative text, transmission definitions and actual fund arrangement | Independent Title 9 Chapter 22 applicability pass |\n\n### C3. Registration, financial assurance and exemptions\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 3.1 Registration requirement and regulator | answered | §3; J_VI-P01-C012 | No entity-specific status authorized | Retain law/roster distinction |\n| 3.2 Public provider-registration lookup | partial | §3; J_VI-P01-C013 | Actual accessible roster URL, frequency and completeness | Read official lookup documentation only |\n| 3.3 Registration filing form and fee | partial | §3; J_VI-P01-C014, J_VI-P01-C019 | Current agency form and filing fee schedule | Obtain public agency rule/form text |\n| 3.4 Nonresident, no-storefront, branch/site reporting | partial | §3; J_VI-P01-C014 | Additional branch fee/rule if promulgated | Confirm whether additional rule creates site charge |\n| 3.5 Initial background, audits and personnel data | answered | §3; J_VI-P01-C014 | Applicant facts outside authorization | Preserve specific document predicates |\n| 3.6 Surety amount, benefit, duration and claims | partial | §3; J_VI-P01-C018, J_VI-P01-C019 | Adjusted amount and agency discretion in operation | Review public adjustment/bond directive |\n| 3.7 Substitute security | answered | §3; J_VI-P01-C018 | None for textual categories | Keep regulator approval conditions |\n| 3.8 Fidelity insurance, deductible, net worth | partial | §3; J_VI-P01-C018 | Adjusted minimum and any supplementary net-worth rule | Verify official amendments/regulations; no net-worth threshold invented |\n| 3.9 Annual renewal and account-reporting measures | answered for statute | §3; J_VI-P01-C017, J_VI-P01-C018 | Current renewal forms/administrative fee | Verify published rule/forms |\n| 3.10 Decisions, denial, hearings and appeal | partial | §3; J_VI-P01-C016 | Original Act's “Commission” discrepancy, current procedures | Check Act No. 7145 and promulgated procedural rules |\n| 3.11 Amendments, application confidentiality, examinations | answered for statutory text | §§3, 6; J_VI-P01-C015, J_VI-P01-C038 | Confidential administrative practice | Separate records/review from public lookup |\n| 3.12 Attorney/CPA/financial planner exceptions | partial | §2; J_VI-P01-C008 | Qualifying planner rule and real professional relationship | Inspect adopted planner-recognition rule if any |\n| 3.13 Bank, affiliate, judicial and incidental billpay exceptions | answered | §2; J_VI-P01-C008 | Actual regulated-activity evidence | Test entity/ordinary-course conditions |\n| 3.14 Nonprofit and independent board | answered for textual predicate | §3, Example A; J_VI-P01-C009, J_VI-P01-C016 | Entity-specific independence not in scope | Avoid nonprofit exemption shorthand |\n| 3.15 Other-state license and accreditation | answered | §3; J_VI-P01-C017 | None for rule distinction | Apply application-substitution conditions only |\n| 3.16 Suspension, revocation and emergency process | answered for statutory text | §6; J_VI-P01-C039 | Rule/procedure amendments | Verify before consumer-facing legal deadlines |\n\n### C4. Services and fees\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 4.1 Whether settlement and DMP are permitted subject to regulation | answered for statutory framework | §§2–4; J_VI-P01-C007, J_VI-P01-C030 | Effective amendments and actual registration | Do not advertise as blanket permission |\n| 4.2 Pre-charge signed-agreement requirement | answered | §4; J_VI-P01-C030 | Actual contract compliance | Check both territorial and federal tracks |\n| 4.3 DMP setup/monthly fee formulas | partial | §4; J_VI-P01-C030 | Current adjusted dollar limits | Verify rule/notices |\n| 4.4 Settlement setup/monthly fee formulas | partial | §4, Example B; J_VI-P01-C030, J_VI-P01-C046 | Current adjusted dollar limits and ledger facts | Review CPI rule plus fee history |\n| 4.5 Per-debt settlement compensation/crediting | answered for formula | §4, Example B; J_VI-P01-C031, J_VI-P01-C046 | Controlling allocation decision if dispute | Keep per-debt ledgers and verify final satisfaction |\n| 4.6 Standalone education and conversion refund | partial | §4; J_VI-P01-C032 | Regulator-authorized larger charge/current amount | Inspect published approval/rule |\n| 4.7 Dishonor/default/cancellation/termination charges | partial | §§4–5; J_VI-P01-C024, J_VI-P01-C026, J_VI-P01-C032 | Other-law dishonor fee and current adjustment | Separate unauthorized penalty from lawful earned fee |\n| 4.8 Donations, creditor fair-share and referral money | answered for textual rules | §4; J_VI-P01-C029, J_VI-P01-C032 | Actual creditor payment/disclosure history | Assess money flows individually |\n| 4.9 Statutory fee versus filing fee versus security premium | answered for distinction | §§3–4; J_VI-P01-C018, J_VI-P01-C019, J_VI-P01-C030 | Agency filing fee amount | Never combine fee categories |\n| 4.10 TSR debt-relief definitions and exemptions | answered | §4; J_VI-P01-C005, J_VI-P01-C033 | Actual telemarketing facts | Apply phone/advertising/business exceptions |\n| 4.11 TSR advance-fee and dedicated-account conditions | answered | §§4–5; J_VI-P01-C034 | Customer/creditor contract facts | Check executed agreement, first payment and allocation |\n| 4.12 TSR credit-improvement provision | answered conditionally | §4; J_VI-P01-C035 | Actual claim and completed credit-improvement proof | Apply only if represented services qualify |\n| 4.13 CROA credit-repair services and exceptions | answered conditionally | §§2, 4; J_VI-P01-C006, J_VI-P01-C035 | Specific service/advertised result | Test definition before imposing fees |\n| 4.14 CROA contract, fees and cancellation | answered | §4; J_VI-P01-C035, J_VI-P01-C036 | Calendar/contract and any changed federal law after 2024 | Verify current federal text before publication |\n| 4.15 Current actionable VI dollar caps | unresolved | §4; J_VI-P01-C019 | Base year, CPI action, official adjustments | Publication hold until confirmed |\n\n### C5. Contract, cancellation and funds\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 5.1 Financial analysis and suitability | answered | §5; J_VI-P01-C021 | Particular analysis not in scope | Make generic checklist, not personal eligibility result |\n| 5.2 Agreement, disclosure, schedules and copy | answered for text | §5; J_VI-P01-C022 | Enacted cross-reference correction | Verify the original model-number remnants |\n| 5.3 Creditor consent and nonparticipation | answered | §5; J_VI-P01-C021, J_VI-P01-C023 | Actual creditor acceptance | No guaranteed concession or binding creditor |\n| 5.4 Over-50%-principal settlement authorization | answered | §5; J_VI-P01-C023 | Actual post-offer assent | Preserve temporal consent sequence |\n| 5.5 Creditor rejection notification | answered | §5; J_VI-P01-C023 | Knowledge date for a real event | No calendar computation |\n| 5.6 Translation and E-SIGN | partial | §5; J_VI-P01-C025 | Implementing rule and scope for nonconsumer individual | Confirm primary/other-language communications |\n| 5.7 Ordinary three-business-day cancellation | answered | §5; J_VI-P01-C024 | Trigger, method and holiday calendar | Apply only to assumed dates with counting authority |\n| 5.8 Defective agreement 30-day window | answered | §5; J_VI-P01-C024 | Specific statutory defect | Link form and §419/428 compliance |\n| 5.9 Emergency cancellation waiver | answered | §5; J_VI-P01-C024 | Actual genuine emergency and customer's own statement | No standard-form bypass |\n| 5.10 Later termination and POA cessation | answered | §5, Example C; J_VI-P01-C026 | Real deposits/fee ledger | Reconcile permitted earnings and returned funds |\n| 5.11 Provider termination/default after 60 days | answered | §5; J_VI-P01-C026 | Actual missed contractual payment sequence | No personal deadline without calendar |\n| 5.12 Trust segregation, insured bank and account location | partial | §5; J_VI-P01-C027 | Any agency-prescribed bank location/eligibility | Check rule, not assume VI physical situs |\n| 5.13 Provider ledger, reconciliation and disbursement | answered | §5; J_VI-P01-C027, J_VI-P01-C028 | Actual bank/account activity outside scope | Use statement and funds-flow checklist |\n| 5.14 Insolvency and unspent ownership | answered for statutory protection | §5; J_VI-P01-C027 | Priority/recovery in an actual insolvency | No guaranteed fund recovery |\n| 5.15 Separate TSR dedicated account | answered conditionally | §5; J_VI-P01-C034 | Whether account meets all conditions | Independently test administrator and ownership |\n| 5.16 Monthly reports and five-business-day requests | answered | §5; J_VI-P01-C028 | Actual request history | Preserve once-per-calendar-month condition |\n| 5.17 Customer-service facility/staffing | unresolved | Register A1; J_VI-P01-C048 | §416 operative body inaccessible | Read authenticated §416 before publishing details |\n| 5.18 Agreement duration, failed plan and creditor promises | partial | §§5–6; J_VI-P01-C021, J_VI-P01-C022, J_VI-P01-C026 | Case-specific duration/participation terms | Do not promise settlement or fix a universal duration |\n\n### C6. Consequences, remedies and process\n\n| Item / material subissue | Status | Findings / exact claim IDs | Missing evidence | Next focused action |\n| --- | --- | --- | --- | --- |\n| 6.1 Administrative examinations and complaints | answered | §6; J_VI-P01-C038 | Current regulator procedural materials | Read public complaint guidance, no filing |\n| 6.2 Cease/correct/restitution and regulator litigation | answered | §6; J_VI-P01-C038 | No case-specific order in scope | Separate agency relief from private award |\n| 6.3 Administrative civil penalties | partial | §6; J_VI-P01-C038, J_VI-P01-C019 | Adjusted 2026 figures | Confirm official CPI notices |\n| 6.4 Registration sanctions and emergency process | answered for statute | §6; J_VI-P01-C039 | Implementing procedures | Read rules before deadline guidance |\n| 6.5 Express Chapter 7 voidability/remedies | answered for statutory remedies | §6; J_VI-P01-C037, J_VI-P01-C040 | Actual predicates, defense, litigation | Preserve separate causes and exclusions |\n| 6.6 Treble damages/minimum/punitive/fees | partial | §6; J_VI-P01-C040 | Current adjusted minimum, controlling interpretation | Do not show guaranteed awards |\n| 6.7 Criminal sanctions squarely in Chapter 7 | unresolved / NOT LOCATED | §6; J_VI-P01-C047 | Broader criminal statutes/enforcement charging instruments | Narrow separate criminal-source pass if warranted |\n| 6.8 Chapter 6 consumer fraud/private crossover | partial | §6; J_VI-P01-C041, J_VI-P01-C042 | Scope-specific precedent | Keep §436 single-recovery rule |\n| 6.9 CROA federal remedies and enforcement | answered conditionally | §6; J_VI-P01-C044 | Covered actor/territorial state-enforcer question | Separate federal jurisdiction from territorial private case |\n| 6.10 Chapter 7 action periods | answered for text | §6; J_VI-P01-C041 | Actual trigger chronology | No exact claimant filing date |\n| 6.11 Provider enforcement opinions/orders | unresolved / NOT LOCATED | §6 and A2 search; J_VI-P01-C047 | Unindexed holdings, official archives, administrative decisions | Focused public-opinion and published-order search |\n| 6.12 Agency public complaint resources | answered | §6; J_VI-P01-C045 | Dedicated Chapter 7 intake form not located | Public instructions only; no actual complaint |\n| 6.13 Legal assistance/referral resources | partial | §6; J_VI-P01-C045 | Current territorial legal-aid eligibility and service list | Inspect official public legal-aid listings |\n| 6.14 Read-only consumer document checklist | answered as informational output | §6; J_VI-P01-C045 | No actual consumer facts authorized | Retain documentation checklist only |\n| 6.15 Hypothetical classification and exemption | answered conditional | Example A; J_VI-P01-C046 | No real company facts | Retain all predicates in content |\n| 6.16 Hypothetical numeric fee analysis | answered as printed-text example; live amount unresolved | Example B; J_VI-P01-C030, J_VI-P01-C031, J_VI-P01-C034, J_VI-P01-C046 | Adjusted caps/real ledger | Do not publish as 2026 limit |\n| 6.17 Hypothetical funds and termination | answered conditional | Example C; J_VI-P01-C026, J_VI-P01-C027, J_VI-P01-C046 | Real payment/settlement facts | Preserve provider-versus-creditor distinction |\n\n### C7. Explicitly deferred parent dimensions\n\n| Other A066 territorial dimension | Status | Boundary and claim cross-reference | Missing evidence / next assignment |\n| --- | --- | --- | --- |\n| Collection conduct, validation and credit reporting | `excluded_with_reason` | Only necessary provider/creditor distinction in J_VI-P01-C011; no collector-conduct findings accepted. | Separate territorial collector-conduct, federal validation and reporting pass. |\n| General debt limitations and revival | `excluded_with_reason` | J_VI-P01-C041 covers provider-action limits only. | Separate contract/debt limitation, accrual, payment/revival and choice-of-law pass. |\n| Litigation, service, default and judgments | `excluded_with_reason` | Provider litigation remedies only under J_VI-P01-C037–C040. | Separate debt-lawsuit procedure/default/judgment pass. |\n| Garnishment, bank and property exemptions | `excluded_with_reason` | Provider trust ownership under J_VI-P01-C027 does not decide creditor execution. | Separate wage, bank and property-enforcement pass. |\n| Secured, medical, rent, utilities and taxes | `excluded_with_reason` | J_VI-P01-C010 flags classification limits only. | Separate obligations/product-specific priority and remedy passes. |\n| Broader vulnerable-consumer and specialized remedies | `excluded_with_reason` | Only narrow Chapter 6 adjacency under J_VI-P01-C042. | Separate protected-population, unfair practices and specialized remedy pass. |\n\n## D. Researcher self-check and publication holds\n\n### Evidence checks performed\n\n- Jurisdiction check: U.S. Virgin Islands, not British Virgin Islands. The `gov.vg` repository was excluded.\n- Dedicated-statute search: Resolved positively to Title 12A, Chapter 7; no generic “unregulated” conclusion.\n- Text versus authority check: Most detailed territorial conclusions rest on enacted statutory words reproduced by an unofficial publisher. This material limitation applies even to rows marked `answered`.\n- Exception check: Read §§402–403, 409, 412, 423–424, 428 and TSR §310.6 rather than relying on an unqualified registration/fee slogan.\n- Federal overlap check: Separated FTC Act commerce, TSR telephone/unsecured-service predicates and CROA paid credit-repair purpose/exclusions.\n- Math check: Example B: $10,000 − $6,000 = $4,000; 30% × $4,000 = $1,200; $1,200 − $400 − $20 = $780. Example C: $1,200 − $350 = $850; 65% × $200 = $130. No inflation adjustment was fabricated.\n- Money-ownership check: Provider-held §422 trust and independent TSR customer-owned dedicated account were evaluated as different arrangements.\n- Remedy check: Administrative regulator action, express Chapter 7 private relief, Chapter 6 overlap and CROA remedies kept separate. No implied debt cancellation, private remedy or guaranteed award asserted.\n- Negative-source check: Inaccessible rules, registration rosters, sections and opinions remain NOT LOCATED/UNRESOLVED, not nonexistent.\n- Page-integrity check: GPO PDF text layers were read; PDF pixel images were not reviewed. All HTML entries explicitly have no PDF page index.\n- Scope check: The six other A066 territory dimensions remain queued; this pass did not launch them.\n\n### Exact unresolved questions, ranked by publication importance\n\n| Priority | Unresolved question | Why it matters / precise next evidence |\n| --- | --- | --- |\n| P0 | Does authenticated current VI Title 12A Ch.7 match the reproduced 2025 text, including §§405, 410, 419 and 423–435? | Textual/legal currentness gate; obtain current official Lexis/authorized code or enacted session laws and amendments. |\n| P0 | What is the actual effective date of Act No. 7145 and how does §440 apply to pre-effective agreements? | Distinguishes date signed, law published and law in force. Read original Act's effective clause. |\n| P0 | Did the Lieutenant Governor promulgate §432(f) CPI base-year/adjustment regulations and subsequent July 1 schedules? What are the operative 2026 bond, insurance, fee, penalty and statutory-damage amounts? | Prevents false caps and remedy values. Need official promulgated rule and actual public adjustment notices, not computed estimates. |\n| P0 | Is there a Chapter 7 registration application, prescribed fee schedule and public provider-name list currently maintained by DBIFR? | Required for accurate licensing workflow and status verification; examine public instructions only, not entities. |\n| P1 | Are the reproduced §405(b)(5) process-agent lettering and §410(b)(1) “Commission” language transcription errors, enacted errors or later cured? | Procedural correctness; compare original Act and authoritative codification. |\n| P1 | Are §419 references to “Section 27(a)” and “Section 20” enacted numbering artifacts, and what is their binding construction? | Required consumer agreement and notice wording; compare Act No. 7145/session-law original. |\n| P1 | Which actual Chapter 7 and related Title 3 Chapter 35 rules implement counselor certification, planner recognition, language variation, fee approval, trust bank and record duties? | Material exception/operational duties; published regulatory instrument needed. |\n| P1 | Is a particular fund-handling arrangement independently money transmission under Title 9, Chapter 22, and what are its exclusions? | §511 body failed; no second-license conclusion supported. Separate activity analysis. |\n| P1 | Is there an independently applicable VI credit-repair/credit-services law outside Chapter 7, and which activities trigger it? | Separate credit-improvement business classification; no law by analogy or third-party marketing summary. |\n| P1 | Are there controlling Virgin Islands Supreme Court, District Court/Third Circuit or published agency decisions specifically interpreting §§402, 403, 423, 425 or 435? | Can change scope and remedies; bounded indexed search was negative, archives may differ. |\n| P2 | What are the complete operative §416 customer-service staffing/system requirements? | Direct section retrieval failed; cannot publish specific call-center promises. |\n| P2 | For mixed business/personal and secured obligations of natural persons, is there controlling VI statutory construction not obvious from §402's text? | Boundary between §402 wording and specialized product regulation. |\n| P2 | What current public legal-aid resources and complaint intake channels are explicitly designated for Chapter 7 claims? | Public-process accuracy; general agency sites are not a verified specialist referral. |\n| P2 | What post-2024 amendments, if any, change the relied-on federal CROA Code provisions? | Official GPO source is 2024 edition; a newer federal statute compilation should be checked before definitive 2026 guidance. |\n\n### Publication restrictions for SettleADebt\n\nUntil the P0 holds are resolved, a public VI jurisdiction page should not claim:\n\n- an unqualified current dollar fee cap, surety amount, insurance minimum, civil-penalty maximum or minimum statutory damages;\n- that a specific provider is licensed, unlicensed, exempt, accredited or presently permitted to solicit VI residents;\n- that a different state's license, nonprofit status or lawyer participation supplies an automatic exemption;\n- that all debt-relief firms everywhere must wait for settlement before taking fees, without testing TSR coverage and other governing rules;\n- that a provider contract binds creditors, guarantees acceptance, eliminates debt or protects against lawsuits;\n- a specific customer's final cancellation, refund or filing date without actual event and counting facts;\n- that an unlocated rule, license or court decision does not exist.\n\nA conditional educational explanation of the reproduced statute, with those limitations and verified federal distinctions, is supportable. A regulatory compliance checklist authorizing business operations, a live fee calculator or a definitive consumer-remedy page is not yet publication-ready.\n\nDisposition: Focused research report supplied, with all source, claim and granular coverage registers visible. This is a researcher self-check only. It is not independent legal verification and not acceptance of J_VI PASS-01, the complete USVI dossier, A066 or any operational/publication decision. The coordinator must separately validate the consequential territorial text, 2026 rules, arithmetic and coverage.\n\nEND J_VI PASS-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Function relevant to PASS-01","Boundary"],["Legislature of the Virgin Islands; Virgin Islands Code and session laws","Creates territorial provider duties and remedies. Title 12A, Chapter 7 is the principal law.","Enactment and later amendments control over any unofficial consolidation. Act publication year is not its effective date."],["Lieutenant Governor, through the Division of Banking, Insurance and Financial Regulation (DBIFR)","Provider registration, examinations, rulemaking, adjustments, investigations, penalties, restitution and registration suspension/revocation.","The agency expressly lists debt-management providers among its regulated categories. A public registration list is statutorily required, but a verified dedicated online lookup was not located. \nUnited States Virgin Islands\nlaw.justia.com"],["Department of Licensing and Consumer Affairs (DLCA)","Separate general business-licensing and consumer-fraud functions. Title 12A, Chapter 7 registration applications reference compliance with Title 27, Chapter 9.","A DLCA business license is not proof of Chapter 7 registration. The DLCA's general search does not establish that a provider appears on the Lieutenant Governor's required list. \nlaw.justia.com\nlaw.justia.com\ndlca.vi.gov"],["Attorney General / territorial Department of Justice","Potential referral and territorial enforcement.","A Lieutenant Governor referral under §432(a) is distinct from an individual's express private action under §435."],["Superior Court of the Virgin Islands","Territorial trial-court proceedings and specified registration-denial review.","A regulatory violation does not automatically erase an underlying creditor obligation."],["Supreme Court of the Virgin Islands","Highest territorial appellate court; controlling territorial-law appellate authority.","The court assumed appellate jurisdiction in 2007. Federal courts have separate subject-matter jurisdiction. \nsupreme.vicourts.org"],["District Court of the Virgin Islands and federal appellate structure","Federal claims within federal jurisdiction; federal bankruptcy proceedings through the District Court's Bankruptcy Division.","Bankruptcy availability is a jurisdictional alternative here, not a substitute for provider classification and not a finding about any borrower's eligibility. \nvid.uscourts.gov"],["FTC and federal courts","FTC Act and, where independently applicable, Telemarketing Sales Rule (TSR) enforcement.","“U.S. territory” does not make every provider transaction a covered telemarketing transaction."],["Federal Credit Repair Organizations Act (CROA)","Separate federal rules for an entity offering credit-history improvement for consideration, where its statutory predicates are met.","Ordinary settlement negotiation alone does not establish that the provider is a CROA credit-repair organization."]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Activity / fact pattern","Territorial Chapter 7 result","Other law / unresolved edge"],["Paid debt-settlement negotiator seeks less than principal from creditors of a VI-resident individual","Covered, absent §403 exclusion; registration analysis required.","TSR additionally tested if qualifying telephone campaign and unsecured debts."],["DMP operator negotiates reduced interest/late fees and distributes payments","Covered where acting as creditor-concession intermediary.","§§417–428 contain a distinct DMP fee, plan and trust-money track."],["Paid “debt adjustment” or “debt negotiation” service","Name is not decisive. Covered if the functional §402(8) test is met.","No separate license is created merely by the marketing label."],["General financial education or budgeting without creditor intermediation","Not established as debt-management services under §402(8).","Deceptive marketing, other professional/business rules may still apply; pure counseling classification should not be presumed from a label."],["Credit-repair business promising to improve credit history but not negotiating debts","Chapter 7 coverage not established solely by credit-repair activity.","Test CROA and the TSR's distinct credit-repair provision if otherwise covered. Separate dedicated VI credit-repair registration law: NOT LOCATED in bounded examination; this is not a finding that none exists."],["Creditor collecting, restructuring, or settling its own receivable","Merely being a creditor is not the intermediary role.","Creditor/collector conduct is a separately queued dimension. CROA expressly excludes a creditor to the extent it helps restructure debt owed to itself."],["Actual lender provides a consolidation/refinance loan","Lending is not transformed into debt-management intermediation merely because proceeds pay old creditors.","Loan licensing and credit disclosures require their own product/activity analysis; no license by analogy."],["Company advertises “consolidation,” but actually charges to negotiate old creditors' terms","Potential Chapter 7 provider based on conduct.","An actual loan and an intermediary service must be separated in the agreement and fund flows."],["Individual owes a business-purpose debt","Chapter 7 potentially applies, because §402(8) does not expressly restrict purpose, if the debtor is an individual and the other predicates hold.","Do not import the personal/household limitation from a different VI statute or CROA."],["LLC or corporation is the debtor","A business entity is not the statutory “individual” served under §402(8).","Other law remains possible; no universal deregulation inference."],["Secured debt of a natural person","Chapter 7 does not expressly exclude it.","TSR “debt relief service” definition refers to unsecured creditors or debt collectors; collateral and creditor consequences deferred."],["Fully online/off-island provider knowingly signs up a VI resident","Potentially covered regardless of local storefront.","§406 expressly contemplates applicants with no VI service location."],["Unpaid service, including compensation neither from/on behalf of the individual nor from creditors","§403(b)(2) exclusion may apply.","Genuine absence of all specified compensation must be established."],["Creditor-funded nonprofit counseling/settlement intermediary","Not exempt simply because nonprofit; creditor payments defeat the no-compensation premise.","See specific nonprofit governance rules below."],["Attorney or accountant assisting with creditors","Genuine attorney-client legal services by a VI-authorized attorney, or accountant-client accounting services by a VI-licensed CPA, are outside §402(8)'s service definition.","Using a lawyer/CPA as a nominal affiliate does not automatically exclude a separate provider's commercial debt-settlement business."],["Financial planner","Exception only for actual planner-client financial-planning services and the profession recognized by Lieutenant Governor rule with licensing, discipline, ethics and continuing education predicates.","No qualifying territorial implementing rule verified."],["Bank; regulated bank affiliate; judicially directed person; specified incidental bill-paying service","Specific §403(c) exclusions in the ordinary course, as worded.","An unrelated service or unregulated affiliate cannot assume exemption."]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Regulatory issue","Read statutory answer","Limitation"],["Mandatory provider registration","§404(a): obtain VI registration before servicing an individual whom the provider reasonably should know resides in VI when services are agreed. Registered provider's employee/agent not separately registered merely for that role.","§403 exclusions, Chapter 7 effective/grandfather provisions and actual service classification control."],["Authority and register","Lieutenant Governor. §404(c) requires a public list of registered-provider names.","Dedicated accessible list and its freshness unverified; no entity was searched."],["Initial materials","Prescribed form/fee, surety or permitted security, trust-account identifiers and examination consent, misconduct insurance, Title 27 Chapter 9 proof, jurisdiction/process-service documentation, extensive personnel, audits, accreditation/counselor evidence, client forms and fees.","Exact current application and official fee schedule not obtained."],["Nonresident / remote application","§406 asks for local locations or a statement that none exists; websites and electronic addresses are disclosed.","Registration still required if §404 applies."],["License held in another state","§412 permits substitution of sufficiently equivalent prior application/license materials with additional VI information and current certification.","Application shortcut only; not reciprocal permission to operate before VI registration."],["Initial misconduct insurance","Printed §405(b)(4) amount $250,000, qualifying insurer and coverage; deductible printed maximum $5,000; cancellation-notice protection.","Amount subject to §432(f) adjustments; live insurance/regulator rules not verified."],["Renewal misconduct insurance","§411(b)(5): greater of printed $250,000 or highest daily customer trust balance in previous six months.","Actual adjusted minimum unknown."],["Surety bond","§413 printed default $50,000, with individual regulator adjustment permitted; remains effective for two years after the provider ceases serving VI individuals. Approved alternative security under §414.","Neither bond face amount nor insurance premium is a consumer fee."],["Renewal","Annual registration; renewal application in the period 30–60 days before expiration; audit, fee, coverage and activity figures; timely complete renewals have procedural continuation protections.","No actual certificate expiry or calendar is assumed."],["Agency determination","§410 sets initial decision period of 120 days, possible additional 60 on stated grounds, notice/review procedures.","This is an agency obligation, not an automatic license-by-silence rule. An apparent word “Commission” in the reproduced text requires checking the enacted Act."],["Nonprofit governance","§409(d) mandates denial if the nonprofit/tax-exempt applicant lacks an independent board as defined there.","Nonprofit status creates a governance predicate, not blanket exemption."],["Employees, professional status, accreditation","Registered-provider employees/agents get §404(b)'s narrow treatment; certification, accreditation and professional exceptions have their own predicates.","Accreditation is not registration; an attorney's separate statutory professional role must be real."],["Records and exams","Application statements, public/confidential information categories, specified updates, financial audits, insurer/bond controls and regulator examination powers apply.","Exact extra rules, reporting forms and schedule not obtained."],["Suspension / revocation","§434 allows action for listed material violations, insolvency and failures of examination; emergency trust-related action and judicial steps have specific conditions.","No penalty or seizure should be assumed without the required process."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Charge or calculation","Title 12A, §423, as reproduced in 2025","Governing qualification"],["General prerequisite","No provider charge/payment except what §423 permits; valid signed agreement complying with §§419 and 428 before charges.","A signed contract is not enough to satisfy an independently applicable TSR timing prohibition."],["Education/counseling without an agreement","Printed maximum $100, unless Lieutenant Governor approves more for actual nature/extent of services.","If a qualifying agreement follows within 90 days after those services end, §423(e) requires refund of that educational fee."],["DMP involving reduced interest, late fees or finance charges","Printed startup ≤$50; monthly ≤min($10 × participating remaining creditors, $50).","No simultaneous collection under DMP and settlement startup/monthly tracks."],["Settlement for less than principal","Printed setup ≤min($400, 4% × plan debt at inception); monthly ≤min($10 × remaining creditors, $50).","Subject to §419(d)'s refund provisions and federally applicable timing."],["Additional settlement-service compensation","Per-debt ceiling: 30% × (principal when agreed − amount paid to creditor) − specified setup/monthly fees not previously credited against an earlier settlement fee.","§423(f)'s per-debt allocation and credit history must be documented; no negative additional fee is assumed."],["Dishonored payment","Reasonable charge, printed ≤min($25, other applicable law's allowance).","Not a general “late charge” authorization."],["Voluntary contributions","§424 bars solicitation from the individual or affiliate; limited acceptance, with aggregate collections restricted to otherwise authorized fees until 30 days after plan end.","Voluntary labels do not turn compensation into an exemption."],["Creditor “fair share,” lender referral money","Actual source and recipient matter. Chapter 7 requires creditor-compensation disclosure and restricts provider referral compensation, with a narrow government-sponsored counseling exception.","No invented universal dollar or percentage cap on every creditor contribution."]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Rule in the accessed territorial text","Qualification or limit"],["Form and copy","§419(a): retainable record, dated signatures of individual and provider, party details, services, itemized fees, payment schedules and immediate delivery of agreement.","§419(b) permits retrievable/saveable/printable electronic delivery with notice."],["Creditor details","For regular creditor payments, identify expected participants, each obligation and planned disbursement; identify creditors expected not to participate.","Forecast participation is not an actual creditor concession."],["Assent to larger settlement","Under §§419(e), 428(a)(2)–(3), a power of attorney cannot authorize settlement above 50% of debt principal; a creditor-approved settlement above 50% requires the individual's later assent.","A provider has no power to force a creditor to accept even a 50% offer."],["Creditor rejection/withdrawal","Agreement must provide notice to the individual within five days after provider learns of a creditor's final rejection or withdrawal, identifying the creditor and the right to modify or terminate.","No universal deadline obliging a creditor to respond was established."],["Choice of law/forum","§419(f) restricts choice-of-law, forum and remedial waivers.","The reproduced §419 contains apparent model-act section-reference remnants (“Section 27(a)” and “Section 20”); controlling Act comparison remains a hold."],["Language","§421: English unless agency rule changes it; translated mandatory documents if provider communicates primarily in another language.","Actual implementing rules unverified."],["Electronic disclosure","§418 applies federal E-SIGN consumer-consent predicates to specified sections; web disclosure presentation and paper-copy rights are detailed.","§418 specifically defines consumer for its purpose as primarily personal/family/household; cannot assume identical electronic route for a business-purpose individual."],["Ordinary cancellation","§420(a): written/record notice by midnight on the third business day after assent; mailing effective when mailed.","A defective agreement under listed provisions permits the stated 30-day cancellation period instead."],["Emergency waiver","§420(c): narrow actual financial emergency requiring early creditor disbursement; customer's own signed, dated explanation and explicit waiver.","Standard-form waiver is void."],["Later individual termination","§419(d): individual may terminate at any time by written/electronic notice, without penalty; unused customer money is refunded, specified settlement setup fee portion refunded, powers of attorney revoked.","Already-authorized and earned charges require independent verification; creditor's remaining claim is unaffected."],["Provider termination","§426(a): provider may terminate after 60 days' failure to make required payments; §426(b) controls immediate customer money and qualifying setup-fee return on termination by either party.","The contract cannot create a broader unilateral forfeiture of customer reserves."],["Monthly accounting","§427: monthly during plan, on termination/cancellation, and within five business days of a request, with an exception for more than one request per calendar month.","Must show receipts, creditor payments, deductions, reserves and settlement-fee calculation details."],["Record retention","§427 requires provider records for five years after the last payment by the individual.","This is a provider record duty, not the limitations period for creditor claims."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","Provider-held VI trust money — §§402(20), 422","Federal TSR qualified dedicated account — §310.4(a)(5)(ii)"],["Trigger","Money given to the provider for distribution to creditors under a plan.","Covered TSR debt-relief program asks consumer to accumulate funds in a dedicated account."],["Institution","Insured bank under territorial definition; segregated, identified trust arrangement.","Insured financial institution."],["Ownership","Money is not the provider's/designee's property and is protected from their creditors as prescribed in §422(b).","Customer owns funds and receives any accrued interest."],["Administrator","Provider may operate the regulated trust under §422, with ledger and reconciliation duties.","Administrator must be independent of, and unaffiliated with, debt-relief provider; no compensated business referrals between them."],["Deposits","Provider deposits customer money within two business days of receipt.","No provider-fee entitlement arises merely from depositing savings."],["Ledger/operations","Separate individual records, balances summing to actual cash, at least monthly reconciliation, payments under agreed plan/creditor due dates, corrections of misdirected transfers and reimbursement for resulting creditor fees.","Dedicated-account conditions govern; territorial provider-held trust rules are not silently imported to every independent third-party account."],["Withdrawal/termination","Territorial §422(h) calls for prompt return of unspent money less §423-payable fees; §426 imposes immediate return on termination.","Qualified TSR account requires return of unearned funds within seven business days after customer withdrawal request."],["Theft/failure","§422(g): immediate regulator notice of suspected unlawful appropriation and further information within the prescribed period unless modified by rule.","Applicable contract/account, federal and possible separate banking rules require their own review."],["Insolvency","Statutory ownership protection stated for provider-held trust money.","Verify actual account title, administrator and ownership; cannot promise recovery from any insolvency merely because marketing calls an account “escrow.”"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Route","Statutory powers or remedies","Conditions and limits"],["Lieutenant Governor investigation","§432(a)–(b): complaints, examinations within or outside VI, records and subpoenas, possible Attorney General referrals, exam expense recovery.","Individual identities in regulatory information have confidentiality limits."],["Administrative correction","§433(a): desist/correct orders, restitution to aggrieved persons, civil actions, injunctions and intervention.","Printed civil penalty up to $10,000 per violation, subject to inflation rule, regulator discretion and enumerated factors."],["Final-order violation","§433(b): printed civil penalty up to $20,000 per violation for specified final-order violations/knowing participation.","Not an automatic consumer damage award."],["Registration sanctions","§434: suspension, revocation and nonrenewal on enumerated grounds; expedited protections for specified trust failures.","Applicable hearing and judicial procedures cannot be skipped."],["Unauthorized fees","§425(a) makes the provider agreement voidable at the individual's election, with §435(b) providing a specified treble recovery in a civil action.","It is not automatic rescission of creditor contracts."],["Unregistered provider","§§425(b)–(c), 435(a): individual may void provider agreement, with recovery in a civil action of paid/deposited money except amounts paid to creditors; provider loses specified contract/restitution claims against that individual.","Must establish requirement to register, absence of registration at assent and exercise of voidability."],["Other material provider violations","§435(c): proven injury, including noneconomic injury; for enumerated sections, greater of injury or printed $5,000 minimum; punitive damages and fees as specified.","Class-action modification, actual violation, causation, statutory good-faith-error defense and judicial determination matter."],["Cancellation-right violation","§435(e): additional expressly stated recovery of paid/deposited money excluding payments to creditors.","No automatic double restitution for the same dollars."],["Consumer fraud overlap","Title 12A, Chapter 6 protects against specified deceptive consumer-service acts; §§327–328 establish DLCA enforcement, §331 addresses its private action.","§436 forbids a duplicate recovery under Chapters 6 and 7 for the same act/practice; Chapter 6's own consumer-purpose definitions and exemptions govern."],["Limitation period for provider-law enforcement","§437: four years for specified Lieutenant Governor actions; private §435 action within two years after the latest of enumerated payments, accounting, discovery or agency-action events, with specified tolling.","These are provider statute limitation rules only; this pass does not research general debt limitations/revival."],["Federal CROA, if independently applicable","§1679g allows a specified measure of actual damages/fees paid, court-allowed punitive damages and fees in successful actions.","Federal CROA definitions, exclusions and independent procedure control; do not transfer its remedies to a provider who is not covered."],["Criminal offense","Chapter 7's expressly read remedy sections primarily specify civil/administrative action.","A Chapter 7-specific criminal penalty was not located in the bounded review; no declaration that other laws are inapplicable."],["Square provider cases","No controlling appellate decision squarely deciding Chapter 7 settlement-provider applicability/fees was identified in the bounded official-court search.","NOT LOCATED, not proof that no decisions or agency orders exist."]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Step","Plain-text equation","Result"],["Printed setup maximum","min($400.00, 0.04 × $10,000.00)","$400.00"],["Two one-creditor monthly maxima","2 × min($10.00 × 1, $50.00)","$20.00"],["Actual assumed creditor reduction","$10,000.00 − $6,000.00","$4,000.00"],["Printed per-debt settlement percentage ceiling","0.30 × $4,000.00","$1,200.00"],["Illustrative additional settlement-fee ceiling","$1,200.00 − $400.00 − $20.00","$780.00"],["Illustrative aggregate of these provider fees","$400.00 + $20.00 + $780.00","$1,200.00"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Item","Calculation","Result"],["Individual's initial trust balance","Given","$1,200.00"],["Properly paid creditor","Given","−$350.00"],["Provider fees payable from reserve","Assumed zero","−$0.00"],["Remaining individual trust money","$1,200.00 − $350.00 − $0.00","$850.00"],["Variant: qualifying setup-fee refund","0.65 × $200.00","$130.00"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer, title and full literal direct URL","Exact read bounds / status"],["J_VI-P01-S001","VI Election System, Virgin Islands Code — https://vivote.gov/virgin-islands-code/","G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text."],["J_VI-P01-S002","LexisNexis, VI Code public gateway — https://advance.lexis.com/","D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed."],["J_VI-P01-S003","Office of Lieutenant Governor, DBIFR — https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/","G, regulator's financial-services responsibilities, documents/links page. No read and authenticated Chapter 7 adjustments or registration roster obtained."],["J_VI-P01-S004","DLCA, department home and license-search entry — https://dlca.vi.gov/","G, public navigation/features; no entity lookup. General licensing only."],["J_VI-P01-S005","VI Supreme Court, About Us — https://supreme.vicourts.org/about_us","G, institutional appellate history/jurisdiction text, §§ on establishment and appeals. Not an opinion deciding Chapter 7."],["J_VI-P01-S006","District Court of VI, Bankruptcy Division — https://www.vid.uscourts.gov/bankruptcy-division-0","G, federal bankruptcy division and scope description; no individual eligibility or case search."],["J_VI-P01-S007","Virgin Islands Code, Title 12A Ch.7 index — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/","T, full statutory section inventory §§401–441; index alone not operative proof."],["J_VI-P01-S008","VI Legislature law, §401 Short title — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/401/","T, §401 body/history, Act short name."],["J_VI-P01-S009","VI Legislature law, §402 Definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/402/","T, §§402(1)–(20), especially (3), (5)–(9), (11)–(15), (17), (19)–(20)."],["J_VI-P01-S010","VI Legislature law, §403 Exempt agreements and persons — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/403/","T, §§403(a), (b)(1)–(2), (c)(1)–(4)."],["J_VI-P01-S011","VI Legislature law, §404 Registration — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/404/","T, §§404(a)–(c), resident knowledge, agent and public-list requirement."],["J_VI-P01-S012","VI Legislature law, §405 Application form, fee and documents — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/405/","T, §§405(a)–(b), including (b)(1)–(6). Printed insurance/bond-related predicates; apparent drafting irregularity in (b)(5), original-law verification hold."],["J_VI-P01-S013","VI Legislature law, §406 Application required information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/406/","T, enumerated application paragraphs (1)–(19), locations, internet, audits, accreditation, personnel, programs and agreements."],["J_VI-P01-S014","VI Legislature law, §407 Changes in information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/407/","T, §407 update duty and enumerated cross-references; prescribed ten-day update in specified circumstances."],["J_VI-P01-S015","VI Legislature law, §408 Public information — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/408/","T, §408 application public-inspection and confidential categories; not a retrieval of actual applications."],["J_VI-P01-S016","VI Legislature law, §409 Issuance or denial — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/","T, §§409(a)–(d), temporary authority, fitness, nonprofit-board condition."],["J_VI-P01-S017","VI Legislature law, §410 Registration timing — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/","T, §§410(a)–(c): agency time, hearing/review, one-year term; apparent “Commission” reference requires enacted-text check."],["J_VI-P01-S018","VI Legislature law, §411 Renewal — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/411/","T, §§411(a)–(e), advance application, coverage, accounts, pendency and denial consequences."],["J_VI-P01-S019","VI Legislature law, §412 Registration in another state — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/412/","T, introductory paragraph and (1)–(3); application substitution, not registration reciprocity."],["J_VI-P01-S020","VI Legislature law, §413 Bond required — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/413/","T, §§413(a)–(e): face amount, adjustment discretion, continuity, claims."],["J_VI-P01-S021","VI Legislature law, §414 Bond substitute — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/414/","T, §§414(a)(1)–(2), (b): approved insurance, letters of credit and obligations."],["J_VI-P01-S022","VI Legislature law, §415 Good faith — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/415/","T, operative section opened; note distinct §435(f) specific litigation defense."],["J_VI-P01-S023","VI Legislature law, §416 Customer service — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/416/","D, direct opening failed; third-party search index identifies heading, but actual current operative text not relied upon. Customer-service detail held."],["J_VI-P01-S024","VI Legislature law, §417 Prerequisites — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/417/","T, §§417(a)–(d), complete long disclosure/plan/counselor provisions."],["J_VI-P01-S025","VI Legislature law, §418 Electronic communication — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/418/","T, §§418(a)–(i), E-SIGN consent, online display, paper copies and termination procedures."],["J_VI-P01-S026","VI Legislature law, §419 Agreement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/419/","T, §§419(a)–(g), contract, creditor consent, termination, powers of attorney, forum terms. Contains apparent residual model numbering."],["J_VI-P01-S027","VI Legislature law, §420 Cancellation and waiver — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/420/","T, §§420(a)–(c), both cancellation windows, form and emergency waiver."],["J_VI-P01-S028","VI Legislature law, §421 Language — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/421/","T, complete §421, English/translation/possible rule modification."],["J_VI-P01-S029","VI Legislature law, §422 Trust account — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/422/","T, §§422(a)–(i), beneficiary, deposits, ledgers, reconciliation, suspicious loss, relocation, refund."],["J_VI-P01-S030","VI Legislature law, §423 Fees and charges — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/423/","T, §§423(a)–(g), all fee tracks, crediting and conditional dollar adjustment."],["J_VI-P01-S031","VI Legislature law, §424 Voluntary contributions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/424/","T, entire §424, no solicitation and aggregate restriction."],["J_VI-P01-S032","VI Legislature law, §425 Voidable agreements — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/425/","T, §§425(a)–(c), fee and registration-related voidability."],["J_VI-P01-S033","VI Legislature law, §426 Termination — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/426/","T, §§426(a)–(b), missed payments and mandatory returns."],["J_VI-P01-S034","VI Legislature law, §427 Reports/record retention — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/427/","T, §§427(a)–(c), statement content, timing, five-year preservation."],["J_VI-P01-S035","VI Legislature law, §428 Prohibited practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/428/","T, §§428(a)–(d), trust, assent, referral and other prohibited conduct; exceptions inspected with main restrictions."],["J_VI-P01-S036","VI Legislature law, §429 Notice of claims — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/429/","T, §429 provider notice to regulator concerning covered litigation."],["J_VI-P01-S037","VI Legislature law, §430 Advertising — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/430/","T, §§430(a)–(b), DMP and settlement-specific warning disclosures."],["J_VI-P01-S038","VI Legislature law, §431 Delegation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/431/","T, §431: provider responsibility for delegated services."],["J_VI-P01-S039","VI Legislature law, §432 Lieutenant Governor powers — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/432/","T, §§432(a)–(g), complaints, exams, rules, fees, CPI triggers, rounding and public notice."],["J_VI-P01-S040","VI Legislature law, §433 Administrative remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/433/","T, §§433(a)–(e), penalties, enforcement and mitigating factors."],["J_VI-P01-S041","VI Legislature law, §434 Suspension/revocation — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/434/","T, §434 entire operative section, ordinary/emergency sanctions and process."],["J_VI-P01-S042","VI Legislature law, §435 Private enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/435/","T, §§435(a)–(g), separate remedies and defenses."],["J_VI-P01-S043","VI Legislature law, §436 Chapter 6 overlap — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/436/","T, complete no-double-recovery provision."],["J_VI-P01-S044","VI Legislature law, §437 Limitation periods — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/437/","T, §§437(a)–(c), provider enforcement and private-action limitation triggers only."],["J_VI-P01-S045","VI Legislature law, §438 Uniformity of application — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/438/","T, complete interpretive provision; does not enact every later model-law revision."],["J_VI-P01-S046","VI Legislature law, §439 Relation to E-SIGN — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/439/","T, complete §439, retained federal consumer-consent protections."],["J_VI-P01-S047","VI Legislature law, §440 Transitional transactions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/440/","T, complete provision; original operative effective date not established."],["J_VI-P01-S048","VI Legislature law, §441 Severability — https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/441/","T, complete severability provision."]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer, title and full literal direct URL","Exact read bounds, version, pages and limits"],["J_VI-P01-S049","VI Legislature law, Title 27 §301, general licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/","T, 2025 Title 27 §301 operative body, business-licensing framework. Chapter 7 applications reference compliance; not a verified Chapter 7 certificate."],["J_VI-P01-S050","VI Legislature law, Title 27 §302, covered businesses/fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/","T, 2025 Title 27 §302 list/amounts, read for debt-management and adjacent collection/credit business categories. Do not relabel a collector's license as a provider registration."],["J_VI-P01-S051","VI Legislature law, Title 12A §303, consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/","T, 2025 Chapter 6 §§303(c)–(f), (h), (k)–(l), consumer/deception/department definitions. Different coverage from Chapter 7."],["J_VI-P01-S052","VI Legislature law, Title 12A §304, deceptive practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/","T, 2025 §304 prohibited conduct. No debt-management license created by this provision."],["J_VI-P01-S053","VI Legislature law, Title 12A §327, DLCA enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/","T, 2025 §327 body; Chapter 6 authority only."],["J_VI-P01-S054","VI Legislature law, Title 12A §328, DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/","T, 2025 §328 administrative/judicial remedy body; not automatically an individual Chapter 7 award."],["J_VI-P01-S055","VI Legislature law, Title 12A §331, private action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/","T, 2025 §331 action and remedies, subject to its elements and §436 nonduplication."],["J_VI-P01-S056","VI Legislature law, Title 12A §333, exceptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/","T, 2025 §333; an exemption from Chapter 6 is not necessarily an exemption from Chapter 7."],["J_VI-P01-S057","VI Legislature law, Title 9 Ch.22, Uniform Money Services Act index — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/","T-index, 2025 separate money-transmission/check-cashing/currency-license organization. Index alone cannot resolve independent payment-intermediary licensing."],["J_VI-P01-S058","FTC/OFR, 16 CFR §310.2, definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","F, eCFR displayed as of 2026-10-22; actual §§310.2(o), (ff), (hh)–(ii) read. HTML; printed/PDF n/a."]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer, title and full literal direct URL","Exact read bounds / status"],["J_VI-P01-S049","VI Legislature law, Title 27 §301 Business licenses — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/301/","T, §301 application/general license prerequisites. Separate from Chapter 7 registration."],["J_VI-P01-S050","VI Legislature law, Title 27 §302 Categories and fees — https://law.justia.com/codes/virgin-islands/title-27/chapter-9/subchapter-i/302/","T, full category/fee list; checked relevant credit-bureau/collection wording and absence of an obvious separately named debt-settlement line; no equivalence presumed."],["J_VI-P01-S051","VI Legislature law, Title 12A §303 Consumer-fraud definitions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/303/","T, §§303(c)–(f), (h), (j)–(l): DLCA, consumer purpose, deception, commerce and telemarketing."],["J_VI-P01-S052","VI Legislature law, Title 12A §304 Deceptive business practices — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/304/","T, §304 operative prohibition."],["J_VI-P01-S053","VI Legislature law, Title 12A §327 Enforcement — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/327/","T, §327 DLCA enforcement."],["J_VI-P01-S054","VI Legislature law, Title 12A §328 DLCA remedies — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/328/","T, §328 agency relief, procedural predicates; not borrowed as Chapter 7 provider penalties."],["J_VI-P01-S055","VI Legislature law, Title 12A §331 Private right of action — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/331/","T, §331 specific private-action text, including its class-action/treble context. No assumed general individual Chapter 6 remedy beyond its actual wording."],["J_VI-P01-S056","VI Legislature law, Title 12A §333 Exemptions — https://law.justia.com/codes/virgin-islands/title-12a/chapter-6/333/","T, §333 exemption; applies to Chapter 6 analysis, not automatically Chapter 7."],["J_VI-P01-S057","VI Legislature law, Title 9 Ch.22 Uniform Money Services Act — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/","T, chapter/subchapter headings only; adjacent activity-law discovery, not sufficient to find debt-plan administration automatically licensed as transmission."],["J_VI-P01-S058","FTC/OFR, 16 CFR §310.2 TSR definitions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","F, entire §310.2, especially (o), (ff), (hh)–(ii). eCFR displayed 2026-10-22 version, last Title 16 amendment 2026-10-19; HTML, no print/PDF index."],["J_VI-P01-S059","FTC/OFR, 16 CFR §310.3 through Part 310 complete text — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310","F, actual §310.3(a)(1)(viii), misrepresentation terms, associated footnote read within Part 310; direct single-section fetch was unreliable. Same dated eCFR display and HTML limitations."],["J_VI-P01-S060","FTC/OFR, 16 CFR §310.4 Abusive telemarketing — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","F, §§310.4(a)(2), (a)(5)(i)(A)–(C), (a)(5)(ii)(A)–(E); same eCFR status; no PDF inspected."],["J_VI-P01-S061","FTC/OFR, 16 CFR §310.6 Exemptions — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","F, §§310.6(b)(3)–(7) and exception clauses; same version, HTML."],["J_VI-P01-S062","FTC staff, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","G / agency guidance, live explanatory body, initially issued for 2010 debt-relief rules, checked 2026-10-26; not controlling against current CFR text."],["J_VI-P01-S063","U.S. Congress/GPO, 15 USC §44 FTC Act definitions — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap2-subchapI-sec44.htm","F, 2024 U.S. Code HTML §44 “Commerce” and “Corporation”; no print/PDF page examined."],["J_VI-P01-S064","U.S. Congress/GPO, 15 USC §1679a CROA definitions — https://www.govinfo.gov/link/uscode/15/1679a","F, official 2024 U.S. Code PDF text layer, §1679a(1)–(4), printed p. 1552; PDF index 0. No pixel/image inspection."],["J_VI-P01-S065","U.S. Congress/GPO, 15 USC §1679b CROA prohibited practices — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679b.htm","F, 2024 Code HTML, §§1679b(a)–(b); printed/PDF page not inspected."],["J_VI-P01-S066","U.S. Congress/GPO, 15 USC §1679c CROA disclosures — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679c.htm","F, 2024 Code HTML, §§1679c(a)–(c); printed/PDF page not inspected."],["J_VI-P01-S067","U.S. Congress/GPO, 15 USC §1679d CROA contracts — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679d.htm","F, 2024 Code HTML, §§1679d(a)–(b), performance and terms; no PDF inspected."],["J_VI-P01-S068","U.S. Congress/GPO, 15 USC §1679e CROA cancellation — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A-sec1679e.htm","F, 2024 Code HTML, §§1679e(a)–(c), cancellation/copy requirements; no PDF inspected."],["J_VI-P01-S069","U.S. Congress/GPO, 15 USC §1679g CROA civil liability — https://www.govinfo.gov/link/uscode/15/1679g","F, 2024 Code PDF text layer, §§1679g(a)–(b), printed p. 1555; PDF index 0; no pixel inspection."],["J_VI-P01-S070","U.S. Congress/GPO, 15 USC §1679h CROA public enforcement — https://www.govinfo.gov/link/uscode/15/1679h","F, 2024 Code PDF text layer, §§1679h(a)–(c), spanning printed pp. 1555–1556; PDF indices 0–1; no pixel inspection. Territorial “State” authorization issue not resolved beyond actual federal text."],["J_VI-P01-S071","U.S. Congress/GPO, 15 USC §1679j Relation to state law — https://www.govinfo.gov/link/uscode/15/1679j","F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection."],["J_VI-P01-S072","USVI Department of Justice, institutional site — https://usvidoj.com/","G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact."],["J_VI-P01-S073","DLCA, Consumer Affairs — https://www.dlca.vi.gov/consumeraffairs/","G, agency functions and public license/complaint navigation; no private complaint, lookup or submission."],["J_VI-P01-S074","Superior Court, Civil Division FAQs — https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs","G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified."],["J_VI-P01-S075","VI Legislature law, Title 9 §503 Money services exclusions — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/","T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money."],["J_VI-P01-S076","VI Legislature law, Title 9 §511 Money transmission license — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/","D, indexed §511 title but direct body failed; no separate licensing conclusion drawn."],["J_VI-P01-S077","Legislature institutional gateway — https://legvi.org/","D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read."]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise A066 statement","Sources and exact pinpoints","Conditions, effect, confidence"],["J_VI-P01-C001","Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained.","S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access.","Historical statute located; do not use 2025 label as 2026 certification. P/U"],["J_VI-P01-C002","Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses.","S011 §404(c); S039 §432(a)–(g); S003 regulator description.","Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G"],["J_VI-P01-C003","VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court.","S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page.","Federal/territorial/private jurisdiction must be independently satisfied. G+P"],["J_VI-P01-C004","Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made.","S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a).","Remote provider can be covered; no local storefront necessity. P"],["J_VI-P01-C005","FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign.","S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6.","Geographic inclusion is not universal TSR applicability. F"],["J_VI-P01-C006","CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions.","S064 §1679a(1)–(3); S071 §1679j.","No premise that every VI credit counselor or negotiator meets CROA. F"],["J_VI-P01-C007","Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others.","S009 §§402(6), (8), (13)–(15).","Functional conduct, not business label, governs. P"],["J_VI-P01-C008","Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions.","S009 §402(8)(A)–(C); S010 §403(a)–(c).","Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P"],["J_VI-P01-C009","No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify.","S010 §403(b)(2); S016 §409(d).","A creditor-funded intermediary may need registration and nonprofit independent board. P/I"],["J_VI-P01-C010","VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors.","S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3).","Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I"],["J_VI-P01-C011","Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation.","S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map.","Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I"],["J_VI-P01-C012","Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration.","S011 §§404(a)–(b); S010 §403.","Applies only when actor/service/residence and exemptions tested. P"],["J_VI-P01-C013","Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found.","S011 §404(c); S003 official agency page.","Statutory duty established, lookup availability/current roster unverified. P/U"],["J_VI-P01-C014","Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements.","S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301.","No exact issued form/current filing charge, branch tariff or implementation verified. P"],["J_VI-P01-C015","Defined changed application information must be updated and specified filings are public while sensitive records are protected.","S014 §407; S015 §408.","Applies to enumerated items, not an invented universal publication or reporting obligation. P"],["J_VI-P01-C016","Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist.","S016 §§409(a)–(d); S017 §§410(a)–(c).","Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P"],["J_VI-P01-C017","Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only.","S018 §§411(a)–(e); S019 §412(1)–(3).","Neither prior license nor pending incomplete VI filing guarantees authorization. P"],["J_VI-P01-C018","Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes.","S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414.","Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P"],["J_VI-P01-C019","Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule.","S012 §405(b)(1); S039 §§432(e)–(g).","2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U"],["J_VI-P01-C020","Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act.","S047 §440; S008 §401 history.","Grandfathering cannot be computed from signing/publication date alone. P/U"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise A066 statement","Sources and exact pinpoints","Conditions, effect, confidence"],["J_VI-P01-C021","Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent.","S024 §§417(a)–(d); S037 §§430(a)–(b).","Separate DMP and settlement contexts; no creditor assent guaranteed. P"],["J_VI-P01-C022","Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply.","S026 §§419(a)–(c), (f)–(g).","Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U"],["J_VI-P01-C023","Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge.","S026 §§419(d)(3), (e); S035 §428(a)(2)–(4).","Provider cannot unilaterally secure creditor concession. P"],["J_VI-P01-C024","Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words.","S027 §§420(a)–(c).","No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P"],["J_VI-P01-C025","Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures.","S028 §421; S025 §§418(a)–(i); S046 §439.","§418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P"],["J_VI-P01-C026","Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified.","S026 §419(d); S033 §§426(a)–(b); S029 §422(h).","Revoke powers of attorney; earned fees and early cancellation have separate analyses. P"],["J_VI-P01-C027","Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed.","S009 §402(20); S029 §§422(a)–(i).","Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P"],["J_VI-P01-C028","Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years.","S034 §§427(a)–(c).","Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P"],["J_VI-P01-C029","Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited.","S035 §§428(a)–(d); S038 §431.","Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P"],["J_VI-P01-C030","VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks.","S030 §§423(a)–(d)(3); S039 §432(f).","Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P"],["J_VI-P01-C031","VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited.","S030 §423(f)(1)–(2); S009 §402(14), (17).","Each debt, historical principal, final payment and fee-credit ledger required. P"],["J_VI-P01-C032","No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply.","S030 §§423(d)(4), (e), (g); S031 §424.","Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P"],["J_VI-P01-C033","Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation.","S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6.","Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F"],["J_VI-P01-C034","Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates.","S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6.","Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F"],["J_VI-P01-C035","Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed.","S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b).","Separate predicates; no automatic application to bare debt negotiation. F"],["J_VI-P01-C036","CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered.","S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c).","No exact personal deadline without execution/calendar facts. F"]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise A066 statement","Sources and exact pinpoints","Conditions, effect, confidence"],["J_VI-P01-C037","Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences.","S032 §§425(a)–(c); S042 §§435(a)–(b).","Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P"],["J_VI-P01-C038","Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits.","S039 §§432(a)–(e); S040 §§433(a)–(e).","Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P"],["J_VI-P01-C039","Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps.","S041 §434; S017 §410(b).","Not automatic upon allegation; protected procedural rights. P"],["J_VI-P01-C040","§435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification.","S042 §§435(a)–(g); S039 §432(f).","Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P"],["J_VI-P01-C041","Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred.","S044 §§437(a)–(c); S043 §436.","Provider-law time periods only, not general debt limitation/revival. P"],["J_VI-P01-C042","Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits.","S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333.","Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P"],["J_VI-P01-C043","Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified.","S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511.","No new mandatory debt-provider license solely by analogy. P/U/I"],["J_VI-P01-C044","CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established.","S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0.","U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F"],["J_VI-P01-C045","The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action.","S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site.","Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G"],["J_VI-P01-C046","Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome.","Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii).","Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I"],["J_VI-P01-C047","Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation.","S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2.","Negative search outcome only, not law establishing nonexistence. U"],["J_VI-P01-C048","Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval.","S023 §416 failed; S057 Chapter 22 index; S076 §511 failed.","No invented toll-free staffing, secondary license or exception. U"]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["1.1 Territory, legislature and code authority","partial","§1; J_VI-P01-C001","Authenticated current Chapter 7 and Act 7145 original","Reconcile enacted Act, subsequent session laws and official code"],["1.2 Responsible debt-provider regulator","answered","§1; J_VI-P01-C002","None for institutional identification","Validate actual program office/forms separately"],["1.3 DLCA versus Lieutenant Governor functions","answered","§§1, 3, 6; J_VI-P01-C002, J_VI-P01-C043","Administrative coordination detail","Review any implementing memoranda only if found"],["1.4 Court hierarchy and appellate authority","answered","§1; J_VI-P01-C003","Provider-specific judicial holding","Separate official opinion search by issue"],["1.5 Enacted/current/historical/proposed versions","partial","§1 and register A; J_VI-P01-C001, J_VI-P01-C020","Original effective clause, amendments through access date","Act/session-law comparison and official consolidation"],["1.6 Regulations and dollar-adjustment status","unresolved","§§3–4; J_VI-P01-C019, J_VI-P01-C047","CPI base year, rules, July 1 effective notices","Read promulgated Title 3 Chapter 35 instruments and agency notices"],["1.7 Territorial residence/cross-border gateway","answered","§§1–2; J_VI-P01-C004, J_VI-P01-C012","Particular service's actual knowledge facts","Apply resident-at-undertaking test to documented hypothetical only"],["1.8 FTC Act territory-commerce gateway","answered","§1; J_VI-P01-C005","Provider/entity-specific FTC coverage","Separate covered-actor analysis"],["1.9 TSR territory/telephone gateway","answered","§§1, 4; J_VI-P01-C005, J_VI-P01-C033","Actual interstate-call campaign facts","Apply §310.2 and §310.6 transaction matrix"],["1.10 CROA geographical/activity gateway","partial","§§1, 4; J_VI-P01-C006, J_VI-P01-C035","Territorial state-enforcement construction/case law","Target CROA statutory jurisdiction and opinions only if needed"],["1.11 Federal bankruptcy jurisdiction gateway","answered","§1; J_VI-P01-C003, J_VI-P01-C042","Nothing further needed for this gateway","Retain complete borrower bankruptcy analysis for separate pass"],["1.12 Territorial/federal/private enforcement separation","answered","§§1, 6; J_VI-P01-C038, J_VI-P01-C040, J_VI-P01-C044","Application to particular events","Keep distinct remedy paths in content schema"]]},{"headers":[],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["2.1 Statutory provider, concessions and intermediary definitions","answered","§2; J_VI-P01-C007","None in reproduced definition","Verify enacted wording against official code"],["2.2 Debt settlement/negotiation/reduction of principal","answered","§2; J_VI-P01-C007, J_VI-P01-C011","Transaction-specific activities","Test actual intermediary conduct"],["2.3 DMP and creditor concessions/periodic payments","answered","§§2, 4–5; J_VI-P01-C007, J_VI-P01-C021, J_VI-P01-C030","Creditor participation evidence for any real plan","Keep DMP track distinct"],["2.4 Pure credit counseling/education","partial","§2; J_VI-P01-C007, J_VI-P01-C008","Other independent professional rules; §416 body","Bound actual activity, then inspect any dedicated rule"],["2.5 Credit-repair organization vs debt negotiator","partial","§§2, 4; J_VI-P01-C006, J_VI-P01-C035, J_VI-P01-C036","Dedicated VI credit-services enactment if any","Target official Title 12A/27 and promulgated regulations"],["2.6 Existing creditor collecting/restructuring own debt","answered for classification distinction","§2; J_VI-P01-C011","Collector/creditor conduct law deferred","Do not treat existing-creditor conduct as provider intermediation"],["2.7 Actual lender consolidation/refinancing","partial","§2; J_VI-P01-C011, J_VI-P01-C043","Applicable lending license/product law","Separate lender-product pass if relevant"],["2.8 Natural-person versus entity borrower","answered for textual distinction","§2; J_VI-P01-C010","Mixed-capacity borrower authority","Maintain entity/person classification"],["2.9 Personal versus commercial-purpose debts","partial","§2; J_VI-P01-C010","Controlling interpretation of business-purpose individual cases","Locate official decision or legislative construction"],["2.10 Secured versus unsecured debts","partial","§§2, 4; J_VI-P01-C010, J_VI-P01-C033","Secured-plan interactions; federal collector definition branches","Do not transfer TSR's unsecured scope to VI law"],["2.11 Internet/offshore/nonresident provider","answered","§§2–3, Example A; J_VI-P01-C004, J_VI-P01-C012","Actual facts of undertaking/residence","Apply statute before geography assumptions"],["2.12 Dedicated additional VI “debt adjustment”/“credit-services” license","unresolved / NOT LOCATED","§§2–3; J_VI-P01-C043, J_VI-P01-C048","Official regulatory text and additional enacted provisions","Repeat narrowly in authenticated code/regulation repository, not other states"],["2.13 Adjacent money transmission","unresolved","§5; J_VI-P01-C043, J_VI-P01-C048","§511 operative text, transmission definitions and actual fund arrangement","Independent Title 9 Chapter 22 applicability pass"]]},{"headers":[],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["3.1 Registration requirement and regulator","answered","§3; J_VI-P01-C012","No entity-specific status authorized","Retain law/roster distinction"],["3.2 Public provider-registration lookup","partial","§3; J_VI-P01-C013","Actual accessible roster URL, frequency and completeness","Read official lookup documentation only"],["3.3 Registration filing form and fee","partial","§3; J_VI-P01-C014, J_VI-P01-C019","Current agency form and filing fee schedule","Obtain public agency rule/form text"],["3.4 Nonresident, no-storefront, branch/site reporting","partial","§3; J_VI-P01-C014","Additional branch fee/rule if promulgated","Confirm whether additional rule creates site charge"],["3.5 Initial background, audits and personnel data","answered","§3; J_VI-P01-C014","Applicant facts outside authorization","Preserve specific document predicates"],["3.6 Surety amount, benefit, duration and claims","partial","§3; J_VI-P01-C018, J_VI-P01-C019","Adjusted amount and agency discretion in operation","Review public adjustment/bond directive"],["3.7 Substitute security","answered","§3; J_VI-P01-C018","None for textual categories","Keep regulator approval conditions"],["3.8 Fidelity insurance, deductible, net worth","partial","§3; J_VI-P01-C018","Adjusted minimum and any supplementary net-worth rule","Verify official amendments/regulations; no net-worth threshold invented"],["3.9 Annual renewal and account-reporting measures","answered for statute","§3; J_VI-P01-C017, J_VI-P01-C018","Current renewal forms/administrative fee","Verify published rule/forms"],["3.10 Decisions, denial, hearings and appeal","partial","§3; J_VI-P01-C016","Original Act's “Commission” discrepancy, current procedures","Check Act No. 7145 and promulgated procedural rules"],["3.11 Amendments, application confidentiality, examinations","answered for statutory text","§§3, 6; J_VI-P01-C015, J_VI-P01-C038","Confidential administrative practice","Separate records/review from public lookup"],["3.12 Attorney/CPA/financial planner exceptions","partial","§2; J_VI-P01-C008","Qualifying planner rule and real professional relationship","Inspect adopted planner-recognition rule if any"],["3.13 Bank, affiliate, judicial and incidental billpay exceptions","answered","§2; J_VI-P01-C008","Actual regulated-activity evidence","Test entity/ordinary-course conditions"],["3.14 Nonprofit and independent board","answered for textual predicate","§3, Example A; J_VI-P01-C009, J_VI-P01-C016","Entity-specific independence not in scope","Avoid nonprofit exemption shorthand"],["3.15 Other-state license and accreditation","answered","§3; J_VI-P01-C017","None for rule distinction","Apply application-substitution conditions only"],["3.16 Suspension, revocation and emergency process","answered for statutory text","§6; J_VI-P01-C039","Rule/procedure amendments","Verify before consumer-facing legal deadlines"]]},{"headers":[],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["4.1 Whether settlement and DMP are permitted subject to regulation","answered for statutory framework","§§2–4; J_VI-P01-C007, J_VI-P01-C030","Effective amendments and actual registration","Do not advertise as blanket permission"],["4.2 Pre-charge signed-agreement requirement","answered","§4; J_VI-P01-C030","Actual contract compliance","Check both territorial and federal tracks"],["4.3 DMP setup/monthly fee formulas","partial","§4; J_VI-P01-C030","Current adjusted dollar limits","Verify rule/notices"],["4.4 Settlement setup/monthly fee formulas","partial","§4, Example B; J_VI-P01-C030, J_VI-P01-C046","Current adjusted dollar limits and ledger facts","Review CPI rule plus fee history"],["4.5 Per-debt settlement compensation/crediting","answered for formula","§4, Example B; J_VI-P01-C031, J_VI-P01-C046","Controlling allocation decision if dispute","Keep per-debt ledgers and verify final satisfaction"],["4.6 Standalone education and conversion refund","partial","§4; J_VI-P01-C032","Regulator-authorized larger charge/current amount","Inspect published approval/rule"],["4.7 Dishonor/default/cancellation/termination charges","partial","§§4–5; J_VI-P01-C024, J_VI-P01-C026, J_VI-P01-C032","Other-law dishonor fee and current adjustment","Separate unauthorized penalty from lawful earned fee"],["4.8 Donations, creditor fair-share and referral money","answered for textual rules","§4; J_VI-P01-C029, J_VI-P01-C032","Actual creditor payment/disclosure history","Assess money flows individually"],["4.9 Statutory fee versus filing fee versus security premium","answered for distinction","§§3–4; J_VI-P01-C018, J_VI-P01-C019, J_VI-P01-C030","Agency filing fee amount","Never combine fee categories"],["4.10 TSR debt-relief definitions and exemptions","answered","§4; J_VI-P01-C005, J_VI-P01-C033","Actual telemarketing facts","Apply phone/advertising/business exceptions"],["4.11 TSR advance-fee and dedicated-account conditions","answered","§§4–5; J_VI-P01-C034","Customer/creditor contract facts","Check executed agreement, first payment and allocation"],["4.12 TSR credit-improvement provision","answered conditionally","§4; J_VI-P01-C035","Actual claim and completed credit-improvement proof","Apply only if represented services qualify"],["4.13 CROA credit-repair services and exceptions","answered conditionally","§§2, 4; J_VI-P01-C006, J_VI-P01-C035","Specific service/advertised result","Test definition before imposing fees"],["4.14 CROA contract, fees and cancellation","answered","§4; J_VI-P01-C035, J_VI-P01-C036","Calendar/contract and any changed federal law after 2024","Verify current federal text before publication"],["4.15 Current actionable VI dollar caps","unresolved","§4; J_VI-P01-C019","Base year, CPI action, official adjustments","Publication hold until confirmed"]]},{"headers":[],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["5.1 Financial analysis and suitability","answered","§5; J_VI-P01-C021","Particular analysis not in scope","Make generic checklist, not personal eligibility result"],["5.2 Agreement, disclosure, schedules and copy","answered for text","§5; J_VI-P01-C022","Enacted cross-reference correction","Verify the original model-number remnants"],["5.3 Creditor consent and nonparticipation","answered","§5; J_VI-P01-C021, J_VI-P01-C023","Actual creditor acceptance","No guaranteed concession or binding creditor"],["5.4 Over-50%-principal settlement authorization","answered","§5; J_VI-P01-C023","Actual post-offer assent","Preserve temporal consent sequence"],["5.5 Creditor rejection notification","answered","§5; J_VI-P01-C023","Knowledge date for a real event","No calendar computation"],["5.6 Translation and E-SIGN","partial","§5; J_VI-P01-C025","Implementing rule and scope for nonconsumer individual","Confirm primary/other-language communications"],["5.7 Ordinary three-business-day cancellation","answered","§5; J_VI-P01-C024","Trigger, method and holiday calendar","Apply only to assumed dates with counting authority"],["5.8 Defective agreement 30-day window","answered","§5; J_VI-P01-C024","Specific statutory defect","Link form and §419/428 compliance"],["5.9 Emergency cancellation waiver","answered","§5; J_VI-P01-C024","Actual genuine emergency and customer's own statement","No standard-form bypass"],["5.10 Later termination and POA cessation","answered","§5, Example C; J_VI-P01-C026","Real deposits/fee ledger","Reconcile permitted earnings and returned funds"],["5.11 Provider termination/default after 60 days","answered","§5; J_VI-P01-C026","Actual missed contractual payment sequence","No personal deadline without calendar"],["5.12 Trust segregation, insured bank and account location","partial","§5; J_VI-P01-C027","Any agency-prescribed bank location/eligibility","Check rule, not assume VI physical situs"],["5.13 Provider ledger, reconciliation and disbursement","answered","§5; J_VI-P01-C027, J_VI-P01-C028","Actual bank/account activity outside scope","Use statement and funds-flow checklist"],["5.14 Insolvency and unspent ownership","answered for statutory protection","§5; J_VI-P01-C027","Priority/recovery in an actual insolvency","No guaranteed fund recovery"],["5.15 Separate TSR dedicated account","answered conditionally","§5; J_VI-P01-C034","Whether account meets all conditions","Independently test administrator and ownership"],["5.16 Monthly reports and five-business-day requests","answered","§5; J_VI-P01-C028","Actual request history","Preserve once-per-calendar-month condition"],["5.17 Customer-service facility/staffing","unresolved","Register A1; J_VI-P01-C048","§416 operative body inaccessible","Read authenticated §416 before publishing details"],["5.18 Agreement duration, failed plan and creditor promises","partial","§§5–6; J_VI-P01-C021, J_VI-P01-C022, J_VI-P01-C026","Case-specific duration/participation terms","Do not promise settlement or fix a universal duration"]]},{"headers":[],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item / material subissue","Status","Findings / exact claim IDs","Missing evidence","Next focused action"],["6.1 Administrative examinations and complaints","answered","§6; J_VI-P01-C038","Current regulator procedural materials","Read public complaint guidance, no filing"],["6.2 Cease/correct/restitution and regulator litigation","answered","§6; J_VI-P01-C038","No case-specific order in scope","Separate agency relief from private award"],["6.3 Administrative civil penalties","partial","§6; J_VI-P01-C038, J_VI-P01-C019","Adjusted 2026 figures","Confirm official CPI notices"],["6.4 Registration sanctions and emergency process","answered for statute","§6; J_VI-P01-C039","Implementing procedures","Read rules before deadline guidance"],["6.5 Express Chapter 7 voidability/remedies","answered for statutory remedies","§6; J_VI-P01-C037, J_VI-P01-C040","Actual predicates, defense, litigation","Preserve separate causes and exclusions"],["6.6 Treble damages/minimum/punitive/fees","partial","§6; J_VI-P01-C040","Current adjusted minimum, controlling interpretation","Do not show guaranteed awards"],["6.7 Criminal sanctions squarely in Chapter 7","unresolved / NOT LOCATED","§6; J_VI-P01-C047","Broader criminal statutes/enforcement charging instruments","Narrow separate criminal-source pass if warranted"],["6.8 Chapter 6 consumer fraud/private crossover","partial","§6; J_VI-P01-C041, J_VI-P01-C042","Scope-specific precedent","Keep §436 single-recovery rule"],["6.9 CROA federal remedies and enforcement","answered conditionally","§6; J_VI-P01-C044","Covered actor/territorial state-enforcer question","Separate federal jurisdiction from territorial private case"],["6.10 Chapter 7 action periods","answered for text","§6; J_VI-P01-C041","Actual trigger chronology","No exact claimant filing date"],["6.11 Provider enforcement opinions/orders","unresolved / NOT LOCATED","§6 and A2 search; J_VI-P01-C047","Unindexed holdings, official archives, administrative decisions","Focused public-opinion and published-order search"],["6.12 Agency public complaint resources","answered","§6; J_VI-P01-C045","Dedicated Chapter 7 intake form not located","Public instructions only; no actual complaint"],["6.13 Legal assistance/referral resources","partial","§6; J_VI-P01-C045","Current territorial legal-aid eligibility and service list","Inspect official public legal-aid listings"],["6.14 Read-only consumer document checklist","answered as informational output","§6; J_VI-P01-C045","No actual consumer facts authorized","Retain documentation checklist only"],["6.15 Hypothetical classification and exemption","answered conditional","Example A; J_VI-P01-C046","No real company facts","Retain all predicates in content"],["6.16 Hypothetical numeric fee analysis","answered as printed-text example; live amount unresolved","Example B; J_VI-P01-C030, J_VI-P01-C031, J_VI-P01-C034, J_VI-P01-C046","Adjusted caps/real ledger","Do not publish as 2026 limit"],["6.17 Hypothetical funds and termination","answered conditional","Example C; J_VI-P01-C026, J_VI-P01-C027, J_VI-P01-C046","Real payment/settlement facts","Preserve provider-versus-creditor distinction"]]},{"headers":[],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Other A066 territorial dimension","Status","Boundary and claim cross-reference","Missing evidence / next assignment"],["Collection conduct, validation and credit reporting","excluded_with_reason","Only necessary provider/creditor distinction in J_VI-P01-C011; no collector-conduct findings accepted.","Separate territorial collector-conduct, federal validation and reporting pass."],["General debt limitations and revival","excluded_with_reason","J_VI-P01-C041 covers provider-action limits only.","Separate contract/debt limitation, accrual, payment/revival and choice-of-law pass."],["Litigation, service, default and judgments","excluded_with_reason","Provider litigation remedies only under J_VI-P01-C037–C040.","Separate debt-lawsuit procedure/default/judgment pass."],["Garnishment, bank and property exemptions","excluded_with_reason","Provider trust ownership under J_VI-P01-C027 does not decide creditor execution.","Separate wage, bank and property-enforcement pass."],["Secured, medical, rent, utilities and taxes","excluded_with_reason","J_VI-P01-C010 flags classification limits only.","Separate obligations/product-specific priority and remedy passes."],["Broader vulnerable-consumer and specialized remedies","excluded_with_reason","Only narrow Chapter 6 adjacency under J_VI-P01-C042.","Separate protected-population, unfair practices and specialized remedy pass."]]},{"headers":[],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Priority","Unresolved question","Why it matters / precise next evidence"],["P0","Does authenticated current VI Title 12A Ch.7 match the reproduced 2025 text, including §§405, 410, 419 and 423–435?","Textual/legal currentness gate; obtain current official Lexis/authorized code or enacted session laws and amendments."],["P0","What is the actual effective date of Act No. 7145 and how does §440 apply to pre-effective agreements?","Distinguishes date signed, law published and law in force. Read original Act's effective clause."],["P0","Did the Lieutenant Governor promulgate §432(f) CPI base-year/adjustment regulations and subsequent July 1 schedules? What are the operative 2026 bond, insurance, fee, penalty and statutory-damage amounts?","Prevents false caps and remedy values. Need official promulgated rule and actual public adjustment notices, not computed estimates."],["P0","Is there a Chapter 7 registration application, prescribed fee schedule and public provider-name list currently maintained by DBIFR?","Required for accurate licensing workflow and status verification; examine public instructions only, not entities."],["P1","Are the reproduced §405(b)(5) process-agent lettering and §410(b)(1) “Commission” language transcription errors, enacted errors or later cured?","Procedural correctness; compare original Act and authoritative codification."],["P1","Are §419 references to “Section 27(a)” and “Section 20” enacted numbering artifacts, and what is their binding construction?","Required consumer agreement and notice wording; compare Act No. 7145/session-law original."],["P1","Which actual Chapter 7 and related Title 3 Chapter 35 rules implement counselor certification, planner recognition, language variation, fee approval, trust bank and record duties?","Material exception/operational duties; published regulatory instrument needed."],["P1","Is a particular fund-handling arrangement independently money transmission under Title 9, Chapter 22, and what are its exclusions?","§511 body failed; no second-license conclusion supported. Separate activity analysis."],["P1","Is there an independently applicable VI credit-repair/credit-services law outside Chapter 7, and which activities trigger it?","Separate credit-improvement business classification; no law by analogy or third-party marketing summary."],["P1","Are there controlling Virgin Islands Supreme Court, District Court/Third Circuit or published agency decisions specifically interpreting §§402, 403, 423, 425 or 435?","Can change scope and remedies; bounded indexed search was negative, archives may differ."],["P2","What are the complete operative §416 customer-service staffing/system requirements?","Direct section retrieval failed; cannot publish specific call-center promises."],["P2","For mixed business/personal and secured obligations of natural persons, is there controlling VI statutory construction not obvious from §402's text?","Boundary between §402 wording and specialized product regulation."],["P2","What current public legal-aid resources and complaint intake channels are explicitly designated for Chapter 7 claims?","Public-process accuracy; general agency sites are not a verified specialist referral."],["P2","What post-2024 amendments, if any, change the relied-on federal CROA Code provisions?","Official GPO source is 2024 edition; a newer federal statute compilation should be checked before definitive 2026 guidance."]]}],"claims":[{"claim_id":"J_VI-P01-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C001","Precise A066 statement":"Title 12A Ch.7 is reproduced as a VI enactment added by Act 7145 on January 27, 2010; authenticated current consolidation/effective date not obtained.","Sources and exact pinpoints":"S007 §§401–441 index; S008 §401 history; S047 §440; S001 code gateway; S002 failed operative access.","Conditions, effect, confidence":"Historical statute located; do not use 2025 label as 2026 certification. P/U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C001","status":"scoped_review_complete_with_source_version_application_holds","note":"Historical enactment appears in returned section histories, but401/440not authenticated and440freshfailed. Actual effective clause,2026consolidation and amendment chain held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S001":"official_institutional_gateway_checked_only","J_VI-P01-S002":"not_reopened_in_this_scoped_review","J_VI-P01-S007":"not_reopened_in_this_scoped_review","J_VI-P01-S008":"not_reopened_in_this_scoped_review","J_VI-P01-S047":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C002","Precise A066 statement":"Lieutenant Governor is Chapter 7 regulator; DBIFR publicly identifies debt-management providers among regulated businesses.","Sources and exact pinpoints":"S011 §404(c); S039 §432(a)–(g); S003 regulator description.","Conditions, effect, confidence":"Registration, examination and enforcement distinct from DLCA consumer enforcement. P+G"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C002","status":"scoped_review_complete_with_source_version_application_holds","note":"Official DBIFRrole and reproduced432powers support institutional description;404freshfailed. No actual registration/roster or complaint resolution accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S003":"official_institutional_gateway_checked_only","J_VI-P01-S011":"supplied_URL_failed_once_no_retry","J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C003","Precise A066 statement":"VI Supreme Court is highest territorial appellate court; Superior Court handles territorial proceedings; federal Bankruptcy Division exists in District Court.","Sources and exact pinpoints":"S005 institutional appellate-jurisdiction paragraph; S017 §410(b)(2); S006 bankruptcy page.","Conditions, effect, confidence":"Federal/territorial/private jurisdiction must be independently satisfied. G+P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C003","status":"scoped_review_complete_with_source_version_application_holds","note":"Supreme institutional hierarchy and Bankruptcy Division existence plus410reviewtext checked. Complete federal jurisdiction, borrower eligibility and actual proceedings not checked.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S005":"official_institutional_gateway_checked_only","J_VI-P01-S006":"official_institutional_gateway_checked_only","J_VI-P01-S017":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C004","Precise A066 statement":"Territorial definition of state expressly includes VI; Chapter 7's registration/residence tests apply to known or reasonably known VI residents when the service undertaking is made.","Sources and exact pinpoints":"S009 §402(19); S010 §§403(a)–(b)(1); S011 §404(a).","Conditions, effect, confidence":"Remote provider can be covered; no local storefront necessity. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C004","status":"scoped_review_complete_with_source_version_application_holds","note":"402(19)state definition checked;403/404failed once. Resident-at-undertaking knowledge, remote coverage and exemption predicates remain researcher-attributed/unverified.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S010":"supplied_URL_failed_once_no_retry","J_VI-P01-S011":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C005","Precise A066 statement":"FTC Act commerce definition includes a U.S. territory; TSR separately defines territory-inclusive state and qualifying multistate phone campaign.","Sources and exact pinpoints":"S063 §44; S058 §§310.2(ff), (hh)–(ii); S061 §310.6.","Conditions, effect, confidence":"Geographic inclusion is not universal TSR applicability. F"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C005","status":"scoped_review_complete_with_source_version_application_holds","note":"Fresh44commerce,310.2o/ff/hh/ii and complete310.6body support distinct territorial/telephone gateway; no actual actor/campaign or full FTCjurisdiction audit.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S058":"fresh_selected_text_checked_with_limits","J_VI-P01-S061":"fresh_selected_text_checked_with_limits","J_VI-P01-S063":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C006","Precise A066 statement":"CROA classification uses interstate commerce or mails, consideration and consumer-credit-history purpose; it has express actor exclusions.","Sources and exact pinpoints":"S064 §1679a(1)–(3); S071 §1679j.","Conditions, effect, confidence":"No premise that every VI credit counselor or negotiator meets CROA. F"},"coordinator_verification_status":"requires_bounded_material_correction_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C006","status":"requires_bounded_material_correction_UNSENT","note":"1679a1-4parsedtext and1679jread; household-purpose implication in related narrative requiresQ002, separate from consumer=individual and express actor exclusions.","finding_ids":["J_VI-P01-Q002"],"literal_source_tokens_and_dispositions":{"J_VI-P01-S064":"fresh_selected_text_checked_with_limits","J_VI-P01-S071":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C007","Precise A066 statement":"Territorial debt-management service is intermediary conduct intended to secure creditor concessions; provider includes offering/service through others.","Sources and exact pinpoints":"S009 §§402(6), (8), (13)–(15).","Conditions, effect, confidence":"Functional conduct, not business label, governs. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C007","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete402concessions/intermediary/provider/plan text supports functional distinction only. Territorial authentication and actual transaction remain held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C008","Precise A066 statement":"Dedicated statute has enumerated professional, uncompensated, bank/bank-affiliate, judicial and incidental bill-payment exclusions.","Sources and exact pinpoints":"S009 §402(8)(A)–(C); S010 §403(a)–(c).","Conditions, effect, confidence":"Each exclusion requires its actual relationship/occupation/ordinary-course predicates. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C008","status":"scoped_review_complete_with_source_version_application_holds","note":"402professional relationships and planner rule predicates checked;403compensated/bank/judicial/billpay exclusions failed. No blanket exemption accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S010":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C009","Precise A066 statement":"No-compensation exception requires none from/on behalf of clients and their creditors; nonprofit label and creditor funding do not themselves qualify.","Sources and exact pinpoints":"S010 §403(b)(2); S016 §409(d).","Conditions, effect, confidence":"A creditor-funded intermediary may need registration and nonprofit independent board. P/I"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C009","status":"scoped_review_complete_with_source_version_application_holds","note":"409nonprofit-board denial checked, but403no-compensation exclusion failed; creditor-funded scenario remains conditional and registration facts unknown.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S010":"supplied_URL_failed_once_no_retry","J_VI-P01-S016":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C010","Precise A066 statement":"VI Chapter 7 speaks of an individual debtor without express secured/unsecured or personal-purpose limits in §402(8); CROA expressly uses consumer credit and TSR expressly unsecured creditors/debt collectors.","Sources and exact pinpoints":"S009 §§402(8)–(9), (12); S058 §310.2(o); S064 §§1679a(1)–(3).","Conditions, effect, confidence":"Natural person's business-purpose/secured cases possible under VI act; entity debtor is distinct; no cross-imported limitations. P/F/I"},"coordinator_verification_status":"requires_bounded_material_correction_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C010","status":"requires_bounded_material_correction_UNSENT","note":"402individual/entity and noexpress purpose/securitylimit text checked; TSRo and CROAa definitions separately read. Q002corrects inferred CROAhouseholdrestriction; mixedpurpose/secured interpretation held.","finding_ids":["J_VI-P01-Q002"],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S058":"fresh_selected_text_checked_with_limits","J_VI-P01-S064":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C011","Precise A066 statement":"Paid third-party negotiation is analytically distinct from lender advancing new funds or a creditor revising its own obligation.","Sources and exact pinpoints":"S009 §§402(6), (8), (15); S064 §1679a(3)(B)(ii); S057 Title 9 chapter map.","Conditions, effect, confidence":"Loan, collection and remittance activity may invoke separate law; no analogy-created Chapter 7 classification. P/F/I"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C011","status":"scoped_review_complete_with_source_version_application_holds","note":"402intermediary and CROAa creditor-own-debt exclusion checked; Title9index/product law unreopened. No automatic lender, collector or remitter classification.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S057":"not_reopened_in_this_scoped_review","J_VI-P01-S064":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C012","Precise A066 statement":"Provider must register for §404-covered VI individual before services; registered provider employee/agent has a narrow exemption from separate registration.","Sources and exact pinpoints":"S011 §§404(a)–(b); S010 §403.","Conditions, effect, confidence":"Applies only when actor/service/residence and exemptions tested. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C012","status":"scoped_review_complete_with_source_version_application_holds","note":"403/404registration and employee-agent operative sources failed once. No fresh registration requirement/exemption acceptance.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S010":"supplied_URL_failed_once_no_retry","J_VI-P01-S011":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C013","Precise A066 statement":"Lieutenant Governor must maintain/publicize names of registered providers; particular public online roster was not found.","Sources and exact pinpoints":"S011 §404(c); S003 official agency page.","Conditions, effect, confidence":"Statutory duty established, lookup availability/current roster unverified. P/U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C013","status":"scoped_review_complete_with_source_version_application_holds","note":"404public-name duty failed; DBIFRpubliccategory is not an actually obtained complete/current roster. No entity query.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S003":"official_institutional_gateway_checked_only","J_VI-P01-S011":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C014","Precise A066 statement":"Registration application includes regulator-set fee, bond/security, financial insurance, trust disclosures/consent, VI licensing/process-service details, locations, web presence, background/audit/accreditation documents and sample agreements.","Sources and exact pinpoints":"S012 §§405(a)–(b); S013 §406(1)–(19); S049 §301.","Conditions, effect, confidence":"No exact issued form/current filing charge, branch tariff or implementation verified. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C014","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete405and301text checked;406background/accreditation/sample-agreement body and302actualcategories/fees unreopened. No real form or fee accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S012":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S013":"not_reopened_in_this_scoped_review","J_VI-P01-S049":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C015","Precise A066 statement":"Defined changed application information must be updated and specified filings are public while sensitive records are protected.","Sources and exact pinpoints":"S014 §407; S015 §408.","Conditions, effect, confidence":"Applies to enumerated items, not an invented universal publication or reporting obligation. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C015","status":"scoped_review_complete_with_source_version_application_holds","note":"407/408not reopened; no actual application/publication/confidentiality practice finding.432selected examination confidentiality does not substitute those sections.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S014":"not_reopened_in_this_scoped_review","J_VI-P01-S015":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C016","Precise A066 statement":"Certificate may be issued or denied under enumerated predicates; nonprofit/tax-exempt applicant must have sufficiently independent board; specified application decision/hearing/review periods exist.","Sources and exact pinpoints":"S016 §§409(a)–(d); S017 §§410(a)–(c).","Conditions, effect, confidence":"Temporary authority is discretionary; missing agency act does not create automatic registration; drafting anomaly held. P"},"coordinator_verification_status":"requires_bounded_material_correction_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C016","status":"requires_bounded_material_correction_UNSENT","note":"Complete409/410read; Q003requires conditionalSHALLissue versus temporaryMAY and409eindependence pinpoint. Official enactment/drafting/currentness and real registration held.","finding_ids":["J_VI-P01-Q003"],"literal_source_tokens_and_dispositions":{"J_VI-P01-S016":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S017":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C017","Precise A066 statement":"Annual renewal includes 30–60-day preexpiry filing period, financial/reporting material and specified pendency safeguards; other-state registration supplies application material only.","Sources and exact pinpoints":"S018 §§411(a)–(e); S019 §412(1)–(3).","Conditions, effect, confidence":"Neither prior license nor pending incomplete VI filing guarantees authorization. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C017","status":"scoped_review_complete_with_source_version_application_holds","note":"411failed once;412not reopened. Annualterm410checked, but renewalwindow/otherstate application details remain unverified and no reciprocity license inferred.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S018":"supplied_URL_failed_once_no_retry","J_VI-P01-S019":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C018","Precise A066 statement":"Initial printed misconduct insurance $250,000; renewal greater of $250,000 or maximum recent trust balance; printed bond default $50,000 with discretionary variation and approved substitutes.","Sources and exact pinpoints":"S012 §405(b)(4); S018 §411(b)(5); S020 §§413(a)–(e); S021 §414.","Conditions, effect, confidence":"Security/prudential figures may be inflation-adjusted; premium ≠ consumer fee. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C018","status":"scoped_review_complete_with_source_version_application_holds","note":"405initialinsurance,413bond and414substitutes checked;411renewal failed. All printed figures/implementation/discretion and actualcoverage held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S012":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S018":"supplied_URL_failed_once_no_retry","J_VI-P01-S020":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S021":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C019","Precise A066 statement":"Regulator sets administration fees by rule and must adjust specified statute dollar figures using CPI-U trigger, base-year method and July 1 rule.","Sources and exact pinpoints":"S012 §405(b)(1); S039 §§432(e)–(g).","Conditions, effect, confidence":"2026 live schedule, CPI base year and notification not obtained. Do not certify any printed amount. P/U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C019","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete432e-gmandatoryfees/CPI/baseyear/trigger/July1/rounding/notice text checked. Actualrule/currentdollars not obtained; no calculatedcap.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S012":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C020","Precise A066 statement":"Territorial transition protects qualifying pre-effective transactions, but date of original effect not established in retrieved Act.","Sources and exact pinpoints":"S047 §440; S008 §401 history.","Conditions, effect, confidence":"Grandfathering cannot be computed from signing/publication date alone. P/U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C020","status":"scoped_review_complete_with_source_version_application_holds","note":"440freshfailed; sectionhistoryaddeddate not originaleffectiveclause. No grandfathering or operative date inferred.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S008":"not_reopened_in_this_scoped_review","J_VI-P01-S047":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C021","Precise A066 statement":"Provider must prepare itemized charges, financial analysis, education and suitable/affordable periodic-payment plan with expected creditor participation; specific risk and alternative disclosures precede assent.","Sources and exact pinpoints":"S024 §§417(a)–(d); S037 §§430(a)–(b).","Conditions, effect, confidence":"Separate DMP and settlement contexts; no creditor assent guaranteed. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C021","status":"scoped_review_complete_with_source_version_application_holds","note":"417/430failed once; no fresh suitability, counselor, education, risk or adwarning claim acceptance.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S024":"supplied_URL_failed_once_no_retry","J_VI-P01-S037":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C022","Precise A066 statement":"Agreement needs dated signed record, immediate copy, individual/creditor/fee/payment schedule and nonparticipating creditor information; choice-of-law and remedy restrictions apply.","Sources and exact pinpoints":"S026 §§419(a)–(c), (f)–(g).","Conditions, effect, confidence":"Printed cross-refs “Section 20/27(a)” remain reconciliation hold. P/U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C022","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete419agreement/delivery/forum/remedy/voidprovision text checked; model20/27number artifacts remain held. No actual contract compliance accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S026":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C023","Precise A066 statement":"Powers of attorney may authorize settlement ≤50% principal; greater-than-50%-principal settlement needs assent after creditor assent; final creditor rejection must be notified within five days of knowledge.","Sources and exact pinpoints":"S026 §§419(d)(3), (e); S035 §428(a)(2)–(4).","Conditions, effect, confidence":"Provider cannot unilaterally secure creditor concession. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C023","status":"scoped_review_complete_with_source_version_application_holds","note":"419and428completebody support >50%postcreditor-assent/POAlimits/termination and5dayrejection notice; no actual creditor assent or knowledge date.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S026":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S035":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C024","Precise A066 statement":"Ordinary agreement cancellation by record before third-business-day midnight; defective specified agreement permits 30-day cancellation; genuine emergency waiver must be individual's own signed words.","Sources and exact pinpoints":"S027 §§420(a)–(c).","Conditions, effect, confidence":"No actual date calculated absent trigger, service, holiday/counting facts; refund and termination tracks distinct. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C024","status":"scoped_review_complete_with_source_version_application_holds","note":"420failed once; ordinary/defective/emergency cancellation rules remain researcher-attributed, no deadline calculated.419termination not substitute.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S027":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C025","Precise A066 statement":"Required language is English absent rule change, plus translation for provider's primarily other-language communication; E-SIGN predicates apply to defined consumer disclosures.","Sources and exact pinpoints":"S028 §421; S025 §§418(a)–(i); S046 §439.","Conditions, effect, confidence":"§418 consumer-purpose condition is narrower; translating alone does not cure other deficiencies. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C025","status":"scoped_review_complete_with_source_version_application_holds","note":"418failed;421/439unreopened. No language/ESIGNimplementation or businesspurpose electronicroute accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S025":"supplied_URL_failed_once_no_retry","J_VI-P01-S028":"not_reopened_in_this_scoped_review","J_VI-P01-S046":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C026","Precise A066 statement":"Individual may terminate at any time by record; provider may terminate after 60 days of missed contract payments; unused trust money and 65% of qualifying uncredited setup fee must return as specified.","Sources and exact pinpoints":"S026 §419(d); S033 §§426(a)–(b); S029 §422(h).","Conditions, effect, confidence":"Revoke powers of attorney; earned fees and early cancellation have separate analyses. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C026","status":"scoped_review_complete_with_source_version_application_holds","note":"419anytimetermination/65%eligibleuncreditedsetup/POAtextchecked;426and422failed.60daydefault/immediaterefund mechanics remain held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S026":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S029":"supplied_URL_failed_once_no_retry","J_VI-P01-S033":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C027","Precise A066 statement":"Provider-held plan funds for creditor distribution are trust assets, deposited within two business days, individually accounted and monthly reconciled; erroneous payments corrected and specified costs reimbursed.","Sources and exact pinpoints":"S009 §402(20); S029 §§422(a)–(i).","Conditions, effect, confidence":"Trigger is actual provider receipt for plan creditor disbursement; no universal assumption about independent accounts. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C027","status":"scoped_review_complete_with_source_version_application_holds","note":"402insuredseparateprovidertrustdefinition checked;422trust/deposit/reconcile/correction/insolvency body failed. No operationalfunds or fullprotection accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S029":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C028","Precise A066 statement":"Provider supplies periodic and termination accounting, including each creditor payment, reserve, charge and settlement fee math; retains required records for five years.","Sources and exact pinpoints":"S034 §§427(a)–(c).","Conditions, effect, confidence":"Monthly and five-business-day-on-request requirements have the stated request-frequency condition. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C028","status":"scoped_review_complete_with_source_version_application_holds","note":"427failed; no fresh periodic/request/fiveyearrecord duty verification. Agreement423or419 does not substitute recordretention body.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S034":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C029","Precise A066 statement":"Certain trust misuse, excessive authority, misrepresentation, referrals, employee incentives, related lending/purchasing and misleading guarantees are prohibited.","Sources and exact pinpoints":"S035 §§428(a)–(d); S038 §431.","Conditions, effect, confidence":"Read operative exceptions, especially conditional referral and government-sponsored counseling treatment; delegates do not erase provider responsibility. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C029","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete428all(a)-(e)read incl unusual referral exception, supplierconditions and governmentprogramcounseling.431delegate-imputation body unreopened.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S035":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S038":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C030","Precise A066 statement":"VI printed DMP startup $50 maximum and monthly min($10 × remaining creditors, $50); separate settlement setup min($400, 4% of initial plan debt) and same monthly ceiling, with no simultaneous tracks.","Sources and exact pinpoints":"S030 §§423(a)–(d)(3); S039 §432(f).","Conditions, effect, confidence":"Only for covered and otherwise valid agreements; effective dollar adjustment/TSR fee timing hold. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C030","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete423a-d3printedDMP/settlement/no-combination and432CPItext checked.419/428textnotactualagreement; capnot2026authorization and TSRtiming separate.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S030":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C031","Precise A066 statement":"VI settlement-specific per-debt compensation ≤30% of principal less actually paid creditor, then subtract setup/monthly fees to extent not previously credited.","Sources and exact pinpoints":"S030 §423(f)(1)–(2); S009 §402(14), (17).","Conditions, effect, confidence":"Each debt, historical principal, final payment and fee-credit ledger required. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C031","status":"scoped_review_complete_with_source_version_application_holds","note":"423fperdebtexcess-based30%lessuncreditedsetup/monthly and402principalatagreement text checked. Actualpaid/fullsettlement/creditledger held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S030":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C032","Precise A066 statement":"No-plan counseling printed $100 maximum absent regulator approval and refunded if timely converted to plan; dishonored-payment limit and donation rules apply.","Sources and exact pinpoints":"S030 §§423(d)(4), (e), (g); S031 §424.","Conditions, effect, confidence":"Amounts subject to adjustment/other law; donations not solicited and cannot circumvent fees. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C032","status":"scoped_review_complete_with_source_version_application_holds","note":"423noagreementeducation/conversion90day/dishonor lesserof branches checked;424donationbody unreopened and actualapproval/currentcap/otherlawheld.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S030":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S031":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C033","Precise A066 statement":"Covered TSR debt-relief service requires specified pre-enrollment material disclosures and prohibits material misrepresentation.","Sources and exact pinpoints":"S058 §310.2(o),(ii); S059 §310.3(a)(1)(viii), corresponding footnote and misrepresentation clauses; S061 §310.6.","Conditions, effect, confidence":"Qualifying telemarketing campaign and statutory actor/exemption analysis essential. F"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C033","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete310.3disclosure/debtmisrepresentation andfootnote1beforeenrollment checked throughsuppliedPart310; wholePartnotread.310.2/310.6gatewayactualfactsheld.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S058":"fresh_selected_text_checked_with_limits","J_VI-P01-S059":"fresh_selected_text_checked_with_limits","J_VI-P01-S061":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C034","Precise A066 statement":"Covered TSR provider cannot request/receive fee before executed altered-debt agreement plus consumer payment and compliant per-debt allocation; qualifying dedicated accounts have independent-owner/refund predicates.","Sources and exact pinpoints":"S060 §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); S061 §310.6.","Conditions, effect, confidence":"Territorial permissive cap does not override federal timing; funds saved ≠ earned fee. F"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C034","status":"scoped_review_complete_with_source_version_application_holds","note":"Complete selected310.4a5fee/account predicates checked; no mereaccumulationearning, no fixedperdebtfeeswitch, no actualcustomer/creditorfirstpayment oraccountidentity accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S060":"fresh_selected_text_checked_with_limits","J_VI-P01-S061":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C035","Precise A066 statement":"Covered telemarketing credit-improvement representations additionally face TSR §310.4(a)(2)'s completion/result evidence; CROA covered services cannot be charged before fully performed.","Sources and exact pinpoints":"S060 §310.4(a)(2); S064 §1679a(3); S065 §1679b(b).","Conditions, effect, confidence":"Separate predicates; no automatic application to bare debt negotiation. F"},"coordinator_verification_status":"requires_bounded_material_correction_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C035","status":"requires_bounded_material_correction_UNSENT","note":"CROAbfullyperformed bodychecked; TSRa2representedperiodAND>sixmonthresult-report condition omittedQ001. Distinctcoveredcreditimprovement/telemarketing predicates held.","finding_ids":["J_VI-P01-Q001"],"literal_source_tokens_and_dispositions":{"J_VI-P01-S060":"fresh_selected_text_checked_with_limits","J_VI-P01-S064":"fresh_selected_text_checked_with_limits","J_VI-P01-S065":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C036","Precise A066 statement":"CROA calls for separate written disclosure, dated written contract and three-business-day no-service/cancellation protections where covered.","Sources and exact pinpoints":"S066 §§1679c(a)–(c); S067 §§1679d(a)–(b); S068 §§1679e(a)–(c).","Conditions, effect, confidence":"No exact personal deadline without execution/calendar facts. F"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C036","status":"scoped_review_complete_with_source_version_application_holds","note":"2024CROAc/d/ecomplete bodies checked incl separateackstatement2yearretention, written/date/no-service, boldnotice/duplicateform and copies. No actualcontract/calendar or post2024currency audit.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S066":"fresh_selected_text_checked_with_limits","J_VI-P01-S067":"fresh_selected_text_checked_with_limits","J_VI-P01-S068":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C037","Precise A066 statement":"Unauthorized §423/§424 fees and unregistered provider at assent make the provider agreement voidable, with separate enforcement consequences.","Sources and exact pinpoints":"S032 §§425(a)–(c); S042 §§435(a)–(b).","Conditions, effect, confidence":"Individual's election, violation and recipient of payment matter; no automatic creditor debt discharge. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C037","status":"scoped_review_complete_with_source_version_application_holds","note":"425and435freshfailed; provideragreementvoidability not independently verified and doesnot dischargecreditor. No award/election inferred.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S032":"supplied_URL_failed_once_no_retry","J_VI-P01-S042":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C038","Precise A066 statement":"Lieutenant Governor may investigate, examine, order cessation/correction/restitution, litigate, intervene and impose printed administrative penalty limits.","Sources and exact pinpoints":"S039 §§432(a)–(e); S040 §§433(a)–(e).","Conditions, effect, confidence":"Maximum printed $10,000/violation or qualifying final-order $20,000/violation, subject to adjustment/process. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C038","status":"scoped_review_complete_with_source_version_application_holds","note":"432and433completebodieschecked incl discretionary relief and qualifyingfinalorder penalty/factors. CurrentCPI/process/actualorderviolation held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S040":"unofficial_territorial_text_checked_authentication_currentness_held"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C039","Precise A066 statement":"Registration may be suspended/revoked/nonrenewed with enumerated grounds, emergency safeguards and hearing/judicial steps.","Sources and exact pinpoints":"S041 §434; S017 §410(b).","Conditions, effect, confidence":"Not automatic upon allegation; protected procedural rights. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C039","status":"scoped_review_complete_with_source_version_application_holds","note":"434unreopened;410registration-denialreview alone doesnotverify wholesanction/emergency branch. Procedural/currentness held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S017":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S041":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C040","Precise A066 statement":"§435 creates express individual civil actions: return of qualifying monies, specified treble amounts, compensatory/statutory-minimum damages, punitive damages and fees; good-faith-error defense and class modification.","Sources and exact pinpoints":"S042 §§435(a)–(g); S039 §432(f).","Conditions, effect, confidence":"Remedy-by-remedy predicates, no assumed award or current $5,000 minimum. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C040","status":"scoped_review_complete_with_source_version_application_holds","note":"435failed; treble/statutoryminimum/class/defense/fees remain researcher-attributed; no currentdamages or liability accepted.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S042":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C041","Precise A066 statement":"Provider enforcement has §437's four-year governmental and two-year latest-trigger private periods, plus statutory toll; Chapter 6 duplicate recovery barred.","Sources and exact pinpoints":"S044 §§437(a)–(c); S043 §436.","Conditions, effect, confidence":"Provider-law time periods only, not general debt limitation/revival. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C041","status":"scoped_review_complete_with_source_version_application_holds","note":"437failed and436unreopened. No latesttrigger/toll/double-recovery doctrine freshacceptance or personalclock.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S043":"not_reopened_in_this_scoped_review","J_VI-P01-S044":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C042","Precise A066 statement":"Territorial Chapter 6 independently governs defined deceptive consumer-service conduct, with DLCA agency and express private provisions subject to its own limits.","Sources and exact pinpoints":"S051 §§303(c)–(f), (k); S052 §304; S053 §327; S054 §328; S055 §331; S056 §333.","Conditions, effect, confidence":"Do not transfer Chapter 6 definitions, fee/penalty numbers or exemptions wholesale to Chapter 7. P"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C042","status":"scoped_review_complete_with_source_version_application_holds","note":"AllsixactualflatChapter6sources unreopened. Three mistaken coordinator subchapter locatorfailures are not evidenceabout actualS051/S055/S056. Consumerpurpose/exemptions/remedies held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S051":"not_reopened_in_this_scoped_review","J_VI-P01-S052":"not_reopened_in_this_scoped_review","J_VI-P01-S053":"not_reopened_in_this_scoped_review","J_VI-P01-S054":"not_reopened_in_this_scoped_review","J_VI-P01-S055":"not_reopened_in_this_scoped_review","J_VI-P01-S056":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C043","Precise A066 statement":"Title 27 requires general business-licensing analysis; Title 9 separately contains money-services law, but actual additional transmission liability remains unclassified.","Sources and exact pinpoints":"S012 §405(b)(5); S049 §301; S050 §302; S057 Chapter 22 index; S075 §503; S076 unread §511.","Conditions, effect, confidence":"No new mandatory debt-provider license solely by analogy. P/U/I"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C043","status":"scoped_review_complete_with_source_version_application_holds","note":"Supplied301plus405generallicense crossref checked;302,Title9index/503unreopened,511originalfailure not retried. No additionaltransmissionlicense liability inferred.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S012":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S049":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S050":"not_reopened_in_this_scoped_review","J_VI-P01-S057":"not_reopened_in_this_scoped_review","J_VI-P01-S075":"not_reopened_in_this_scoped_review","J_VI-P01-S076":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C044","Precise A066 statement":"CROA expressly provides private civil liability and federal enforcement, with relation-to-state-law rule; applicability must be separately established.","Sources and exact pinpoints":"S069 §1679g(a)–(b), printed 1555/PDF 0; S070 §1679h(a)–(c), printed 1555–1556/PDF 0–1; S071 §1679j, printed 1556/PDF 0.","Conditions, effect, confidence":"U.S.-Code 2024 edition; statutory covered entity/individual predicates still control. F"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C044","status":"scoped_review_complete_with_source_version_application_holds","note":"CompleteparsedCROAg/h/jread; noPDFpixels, actualaward or resolvedterritorialStateenforcermeaning.2024versionattribution retained and subsequentamendmentsheld.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S069":"fresh_selected_text_checked_with_limits","J_VI-P01-S070":"fresh_selected_text_checked_with_limits","J_VI-P01-S071":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C045","Precise A066 statement":"The public regulator/complaint agencies and court/bankruptcy information are identifiable without any entity-specific action.","Sources and exact pinpoints":"S003 DBIFR role; S004 DLCA navigation; S072 DOJ role; S073 Consumer Affairs duties; S005/S006 courts; S074 court site.","Conditions, effect, confidence":"Read-only process, not actual complaint resolution, lawyer referral guarantee or bankruptcy advice. G"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C045","status":"scoped_review_complete_with_source_version_application_holds","note":"DBIFR/DLCAconsumerfunctions/Supreme/Bankruptcygateway checked; DOJ,DLCAhome,SuperiorFAQsnot reopened. No completeintake/legal-aidservice or eligibility guarantee.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S003":"official_institutional_gateway_checked_only","J_VI-P01-S004":"not_reopened_in_this_scoped_review","J_VI-P01-S005":"official_institutional_gateway_checked_only","J_VI-P01-S006":"official_institutional_gateway_checked_only","J_VI-P01-S072":"not_reopened_in_this_scoped_review","J_VI-P01-S073":"official_institutional_gateway_checked_only","J_VI-P01-S074":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C046","Precise A066 statement":"Three hypothetical computations are conditional applications, not verified provider pricing or settlement outcome.","Sources and exact pinpoints":"Example A: S009/S010/S011/S016/S019. Example B: S030 §423(d),(f), S039 §432(f), S060 §310.4(a)(5). Example C: S026 §419(d), S029 §422, S033 §426, S060 §310.4(a)(5)(ii).","Conditions, effect, confidence":"Inputs explicitly assumed; printed-territorial-dollar and creditor-consent holds preserved. P/F/I"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C046","status":"scoped_review_complete_with_source_version_application_holds","note":"All3savedexampleschecked;8equalitiesmatch, no new dates/scenarios. A403/404/412andC422/426hold;Bcurrentcap/validagreement/feeearning and actualrecords remain held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S009":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S010":"supplied_URL_failed_once_no_retry","J_VI-P01-S011":"supplied_URL_failed_once_no_retry","J_VI-P01-S016":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S019":"not_reopened_in_this_scoped_review","J_VI-P01-S026":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S029":"supplied_URL_failed_once_no_retry","J_VI-P01-S030":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S033":"supplied_URL_failed_once_no_retry","J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S060":"fresh_selected_text_checked_with_limits"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C047","Precise A066 statement":"Square VI debt-management provider appellate decision, specific effective adjustment rule, current roster and Chapter 7-specific criminal penalty were not located by bounded investigation.","Sources and exact pinpoints":"S003 public regulator page; S007 §§401–441; S039–S042; S005/S006 official court discovery; bounded-domain queries recorded in A2.","Conditions, effect, confidence":"Negative search outcome only, not law establishing nonexistence. U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C047","status":"scoped_review_complete_with_source_version_application_holds","note":"Original boundednegative case/criminal/rule/roster searches not repeated or converted to absence. No case or provider inquiry; unindexed/currentmaterials held.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S003":"official_institutional_gateway_checked_only","J_VI-P01-S005":"official_institutional_gateway_checked_only","J_VI-P01-S006":"official_institutional_gateway_checked_only","J_VI-P01-S007":"not_reopened_in_this_scoped_review","J_VI-P01-S039":"unofficial_territorial_text_checked_authentication_currentness_held","J_VI-P01-S042":"supplied_URL_failed_once_no_retry"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}},{"claim_id":"J_VI-P01-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"J_VI-P01-C048","Precise A066 statement":"Chapter 7 customer-service §416 details and independent money-transmission §511 operative terms were not established because specific pages failed retrieval.","Sources and exact pinpoints":"S023 §416 failed; S057 Chapter 22 index; S076 §511 failed.","Conditions, effect, confidence":"No invented toll-free staffing, secondary license or exception. U"},"coordinator_verification_status":"scoped_review_complete_with_source_version_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"claim_id":"J_VI-P01-C048","status":"scoped_review_complete_with_source_version_application_holds","note":"Original416/511failures preserved without retry; missing operative bodies remain unknown, not nonexistent.","finding_ids":[],"literal_source_tokens_and_dispositions":{"J_VI-P01-S023":"not_reopened_in_this_scoped_review","J_VI-P01-S057":"not_reopened_in_this_scoped_review","J_VI-P01-S076":"not_reopened_in_this_scoped_review"},"range_citations_not_mechanically_expanded":true,"all_propositions_primary_verified":false,"researcher_record_unchanged":true},"independent_review":false,"parent_assignment_complete":false}}],"sources":[{"source_id":"J_VI-P01-S001","urls":["https://vivote.gov/virgin-islands-code/"],"researcher_record":{"Source ID":"J_VI-P01-S001","Issuer, title and full literal direct URL":"VI Election System, Virgin Islands Code — https://vivote.gov/virgin-islands-code/","Exact read bounds / status":"G, page body, code-access statement and Lexis link. Current official-access direction; not operative §401–441 text."},"coordinator_verification_status":"official_institutional_gateway_checked_only","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S001","table_usage_ordinal":1,"status":"official_institutional_gateway_checked_only","read_ids":["JVI1-R001"],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S002","urls":["https://advance.lexis.com/"],"researcher_record":{"Source ID":"J_VI-P01-S002","Issuer, title and full literal direct URL":"LexisNexis, VI Code public gateway — https://advance.lexis.com/","Exact read bounds / status":"D; gateway/discovery only, operative Title 12A content not recovered. No authoritative reconciliation performed."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S002","table_usage_ordinal":2,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S003","urls":["https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/"],"researcher_record":{"Source ID":"J_VI-P01-S003","Issuer, title and full literal direct URL":"Office of Lieutenant Governor, DBIFR — https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/","Exact read bounds / status":"G, regulator's financial-services responsibilities, documents/links page. 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Territorial “State” authorization issue not resolved beyond actual federal text."},"coordinator_verification_status":"fresh_selected_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S070","table_usage_ordinal":80,"status":"fresh_selected_text_checked_with_limits","read_ids":["JVI1-R037"],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S071","urls":["https://www.govinfo.gov/link/uscode/15/1679j"],"researcher_record":{"Source ID":"J_VI-P01-S071","Issuer, title and full literal direct URL":"U.S. Congress/GPO, 15 USC §1679j Relation to state law — https://www.govinfo.gov/link/uscode/15/1679j","Exact read bounds / status":"F, 2024 Code PDF text layer, §1679j printed p. 1556; PDF index 0; no pixel inspection."},"coordinator_verification_status":"fresh_selected_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S071","table_usage_ordinal":81,"status":"fresh_selected_text_checked_with_limits","read_ids":["JVI1-R038"],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S072","urls":["https://usvidoj.com/"],"researcher_record":{"Source ID":"J_VI-P01-S072","Issuer, title and full literal direct URL":"USVI Department of Justice, institutional site — https://usvidoj.com/","Exact read bounds / status":"G, Attorney General/territorial enforcement office description; no actual enforcement docket or contact."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S072","table_usage_ordinal":82,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S073","urls":["https://www.dlca.vi.gov/consumeraffairs/"],"researcher_record":{"Source ID":"J_VI-P01-S073","Issuer, title and full literal direct URL":"DLCA, Consumer Affairs — https://www.dlca.vi.gov/consumeraffairs/","Exact read bounds / status":"G, agency functions and public license/complaint navigation; no private complaint, lookup or submission."},"coordinator_verification_status":"official_institutional_gateway_checked_only","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S073","table_usage_ordinal":83,"status":"official_institutional_gateway_checked_only","read_ids":["JVI1-R041"],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S074","urls":["https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs"],"researcher_record":{"Source ID":"J_VI-P01-S074","Issuer, title and full literal direct URL":"Superior Court, Civil Division FAQs — https://superior.vicourts.org/office_of_the_clerk/civil_division/civil_division_f_a_qs","Exact read bounds / status":"G, public court-information page and site links; no person-specific case. Substantive legal-aid eligibility not verified."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S074","table_usage_ordinal":84,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S075","urls":["https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/"],"researcher_record":{"Source ID":"J_VI-P01-S075","Issuer, title and full literal direct URL":"VI Legislature law, Title 9 §503 Money services exclusions — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-i/503/","Exact read bounds / status":"T, actual exclusions (1)–(10) read; not a full determination of whether any debt provider transmits money."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S075","table_usage_ordinal":85,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S076","urls":["https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/"],"researcher_record":{"Source ID":"J_VI-P01-S076","Issuer, title and full literal direct URL":"VI Legislature law, Title 9 §511 Money transmission license — https://law.justia.com/codes/virgin-islands/title-9/chapter-22/subchapter-ii/511/","Exact read bounds / status":"D, indexed §511 title but direct body failed; no separate licensing conclusion drawn."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S076","table_usage_ordinal":86,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"source_id":"J_VI-P01-S077","urls":["https://legvi.org/"],"researcher_record":{"Source ID":"J_VI-P01-S077","Issuer, title and full literal direct URL":"Legislature institutional gateway — https://legvi.org/","Exact read bounds / status":"D, official legislature/code/bill-source discovery; direct operative page retrieval failed. No authenticated Act 7145 file read."},"coordinator_verification_status":"not_reopened_in_this_scoped_review","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"source_id":"J_VI-P01-S077","table_usage_ordinal":87,"status":"not_reopened_in_this_scoped_review","read_ids":[],"failures":[],"finding_ids":[],"researcher_record_unchanged":true,"actual_application_accepted":false},"independent_review":false,"parent_assignment_complete":false}}],"coverage":[{"topic":"1.1 Territory, legislature and code authority","researcher_record":{"Item / material subissue":"1.1 Territory, legislature and code authority","Status":"partial","Findings / exact claim IDs":"§1; J_VI-P01-C001","Missing evidence":"Authenticated current Chapter 7 and Act 7145 original","Next focused action":"Reconcile enacted Act, subsequent session laws and official code"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":1,"topic":"1.1 Territory, legislature and code authority","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C001"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.2 Responsible debt-provider regulator","researcher_record":{"Item / material subissue":"1.2 Responsible debt-provider regulator","Status":"answered","Findings / exact claim IDs":"§1; J_VI-P01-C002","Missing evidence":"None for institutional identification","Next focused action":"Validate actual program office/forms separately"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":2,"topic":"1.2 Responsible debt-provider regulator","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C002"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.3 DLCA versus Lieutenant Governor functions","researcher_record":{"Item / material subissue":"1.3 DLCA versus Lieutenant Governor functions","Status":"answered","Findings / exact claim IDs":"§§1, 3, 6; J_VI-P01-C002, J_VI-P01-C043","Missing evidence":"Administrative coordination detail","Next focused action":"Review any implementing memoranda only if found"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":3,"topic":"1.3 DLCA versus Lieutenant Governor functions","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C002","J_VI-P01-C043"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.4 Court hierarchy and appellate authority","researcher_record":{"Item / material subissue":"1.4 Court hierarchy and appellate authority","Status":"answered","Findings / exact claim IDs":"§1; J_VI-P01-C003","Missing evidence":"Provider-specific judicial holding","Next focused action":"Separate official opinion search by issue"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":4,"topic":"1.4 Court hierarchy and appellate authority","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C003"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.5 Enacted/current/historical/proposed versions","researcher_record":{"Item / material subissue":"1.5 Enacted/current/historical/proposed versions","Status":"partial","Findings / exact claim IDs":"§1 and register A; J_VI-P01-C001, J_VI-P01-C020","Missing evidence":"Original effective clause, amendments through access date","Next focused action":"Act/session-law comparison and official consolidation"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":5,"topic":"1.5 Enacted/current/historical/proposed versions","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C001","J_VI-P01-C020"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.6 Regulations and dollar-adjustment status","researcher_record":{"Item / material subissue":"1.6 Regulations and dollar-adjustment status","Status":"unresolved","Findings / exact claim IDs":"§§3–4; J_VI-P01-C019, J_VI-P01-C047","Missing evidence":"CPI base year, rules, July 1 effective notices","Next focused action":"Read promulgated Title 3 Chapter 35 instruments and agency notices"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":6,"topic":"1.6 Regulations and dollar-adjustment status","researcher_status_preserved":"unresolved","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C019","J_VI-P01-C047"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.7 Territorial residence/cross-border gateway","researcher_record":{"Item / material subissue":"1.7 Territorial residence/cross-border gateway","Status":"answered","Findings / exact claim IDs":"§§1–2; J_VI-P01-C004, J_VI-P01-C012","Missing evidence":"Particular service's actual knowledge facts","Next focused action":"Apply resident-at-undertaking test to documented hypothetical only"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":7,"topic":"1.7 Territorial residence/cross-border gateway","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C004","J_VI-P01-C012"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.8 FTC Act territory-commerce gateway","researcher_record":{"Item / material subissue":"1.8 FTC Act territory-commerce gateway","Status":"answered","Findings / exact claim IDs":"§1; J_VI-P01-C005","Missing evidence":"Provider/entity-specific FTC coverage","Next focused action":"Separate covered-actor analysis"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":8,"topic":"1.8 FTC Act territory-commerce gateway","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C005"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.9 TSR territory/telephone gateway","researcher_record":{"Item / material subissue":"1.9 TSR territory/telephone gateway","Status":"answered","Findings / exact claim IDs":"§§1, 4; J_VI-P01-C005, J_VI-P01-C033","Missing evidence":"Actual interstate-call campaign facts","Next focused action":"Apply §310.2 and §310.6 transaction matrix"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":9,"topic":"1.9 TSR territory/telephone gateway","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C005","J_VI-P01-C033"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.10 CROA geographical/activity gateway","researcher_record":{"Item / material subissue":"1.10 CROA geographical/activity gateway","Status":"partial","Findings / exact claim IDs":"§§1, 4; J_VI-P01-C006, J_VI-P01-C035","Missing evidence":"Territorial state-enforcement construction/case law","Next focused action":"Target CROA statutory jurisdiction and opinions only if needed"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":10,"topic":"1.10 CROA geographical/activity gateway","researcher_status_preserved":"partial","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C006","J_VI-P01-C035"],"finding_ids":["J_VI-P01-Q001","J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.11 Federal bankruptcy jurisdiction gateway","researcher_record":{"Item / material subissue":"1.11 Federal bankruptcy jurisdiction gateway","Status":"answered","Findings / exact claim IDs":"§1; J_VI-P01-C003, J_VI-P01-C042","Missing evidence":"Nothing further needed for this gateway","Next focused action":"Retain complete borrower bankruptcy analysis for separate pass"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":11,"topic":"1.11 Federal bankruptcy jurisdiction gateway","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C003","J_VI-P01-C042"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"1.12 Territorial/federal/private enforcement separation","researcher_record":{"Item / material subissue":"1.12 Territorial/federal/private enforcement separation","Status":"answered","Findings / exact claim IDs":"§§1, 6; J_VI-P01-C038, J_VI-P01-C040, J_VI-P01-C044","Missing evidence":"Application to particular events","Next focused action":"Keep distinct remedy paths in content schema"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":12,"topic":"1.12 Territorial/federal/private enforcement separation","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C038","J_VI-P01-C040","J_VI-P01-C044"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.1 Statutory provider, concessions and intermediary definitions","researcher_record":{"Item / material subissue":"2.1 Statutory provider, concessions and intermediary definitions","Status":"answered","Findings / exact claim IDs":"§2; J_VI-P01-C007","Missing evidence":"None in reproduced definition","Next focused action":"Verify enacted wording against official code"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":13,"topic":"2.1 Statutory provider, concessions and intermediary definitions","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C007"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.2 Debt settlement/negotiation/reduction of principal","researcher_record":{"Item / material subissue":"2.2 Debt settlement/negotiation/reduction of principal","Status":"answered","Findings / exact claim IDs":"§2; J_VI-P01-C007, J_VI-P01-C011","Missing evidence":"Transaction-specific activities","Next focused action":"Test actual intermediary conduct"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":14,"topic":"2.2 Debt settlement/negotiation/reduction of principal","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C007","J_VI-P01-C011"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.3 DMP and creditor concessions/periodic payments","researcher_record":{"Item / material subissue":"2.3 DMP and creditor concessions/periodic payments","Status":"answered","Findings / exact claim IDs":"§§2, 4–5; J_VI-P01-C007, J_VI-P01-C021, J_VI-P01-C030","Missing evidence":"Creditor participation evidence for any real plan","Next focused action":"Keep DMP track distinct"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":15,"topic":"2.3 DMP and creditor concessions/periodic payments","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C007","J_VI-P01-C021","J_VI-P01-C030"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.4 Pure credit counseling/education","researcher_record":{"Item / material subissue":"2.4 Pure credit counseling/education","Status":"partial","Findings / exact claim IDs":"§2; J_VI-P01-C007, J_VI-P01-C008","Missing evidence":"Other independent professional rules; §416 body","Next focused action":"Bound actual activity, then inspect any dedicated rule"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":16,"topic":"2.4 Pure credit counseling/education","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C007","J_VI-P01-C008"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.5 Credit-repair organization vs debt negotiator","researcher_record":{"Item / material subissue":"2.5 Credit-repair organization vs debt negotiator","Status":"partial","Findings / exact claim IDs":"§§2, 4; J_VI-P01-C006, J_VI-P01-C035, J_VI-P01-C036","Missing evidence":"Dedicated VI credit-services enactment if any","Next focused action":"Target official Title 12A/27 and promulgated regulations"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":17,"topic":"2.5 Credit-repair organization vs debt negotiator","researcher_status_preserved":"partial","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C006","J_VI-P01-C035","J_VI-P01-C036"],"finding_ids":["J_VI-P01-Q001","J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.6 Existing creditor collecting/restructuring own debt","researcher_record":{"Item / material subissue":"2.6 Existing creditor collecting/restructuring own debt","Status":"answered for classification distinction","Findings / exact claim IDs":"§2; J_VI-P01-C011","Missing evidence":"Collector/creditor conduct law deferred","Next focused action":"Do not treat existing-creditor conduct as provider intermediation"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":18,"topic":"2.6 Existing creditor collecting/restructuring own debt","researcher_status_preserved":"answered for classification distinction","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C011"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.7 Actual lender consolidation/refinancing","researcher_record":{"Item / material subissue":"2.7 Actual lender consolidation/refinancing","Status":"partial","Findings / exact claim IDs":"§2; J_VI-P01-C011, J_VI-P01-C043","Missing evidence":"Applicable lending license/product law","Next focused action":"Separate lender-product pass if relevant"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":19,"topic":"2.7 Actual lender consolidation/refinancing","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C011","J_VI-P01-C043"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.8 Natural-person versus entity borrower","researcher_record":{"Item / material subissue":"2.8 Natural-person versus entity borrower","Status":"answered for textual distinction","Findings / exact claim IDs":"§2; J_VI-P01-C010","Missing evidence":"Mixed-capacity borrower authority","Next focused action":"Maintain entity/person classification"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":20,"topic":"2.8 Natural-person versus entity borrower","researcher_status_preserved":"answered for textual distinction","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C010"],"finding_ids":["J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.9 Personal versus commercial-purpose debts","researcher_record":{"Item / material subissue":"2.9 Personal versus commercial-purpose debts","Status":"partial","Findings / exact claim IDs":"§2; J_VI-P01-C010","Missing evidence":"Controlling interpretation of business-purpose individual cases","Next focused action":"Locate official decision or legislative construction"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":21,"topic":"2.9 Personal versus commercial-purpose debts","researcher_status_preserved":"partial","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C010"],"finding_ids":["J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.10 Secured versus unsecured debts","researcher_record":{"Item / material subissue":"2.10 Secured versus unsecured debts","Status":"partial","Findings / exact claim IDs":"§§2, 4; J_VI-P01-C010, J_VI-P01-C033","Missing evidence":"Secured-plan interactions; federal collector definition branches","Next focused action":"Do not transfer TSR's unsecured scope to VI law"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":22,"topic":"2.10 Secured versus unsecured debts","researcher_status_preserved":"partial","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C010","J_VI-P01-C033"],"finding_ids":["J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.11 Internet/offshore/nonresident provider","researcher_record":{"Item / material subissue":"2.11 Internet/offshore/nonresident provider","Status":"answered","Findings / exact claim IDs":"§§2–3, Example A; J_VI-P01-C004, J_VI-P01-C012","Missing evidence":"Actual facts of undertaking/residence","Next focused action":"Apply statute before geography assumptions"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":23,"topic":"2.11 Internet/offshore/nonresident provider","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C004","J_VI-P01-C012"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.12 Dedicated additional VI “debt adjustment”/“credit-services” license","researcher_record":{"Item / material subissue":"2.12 Dedicated additional VI “debt adjustment”/“credit-services” license","Status":"unresolved / NOT LOCATED","Findings / exact claim IDs":"§§2–3; J_VI-P01-C043, J_VI-P01-C048","Missing evidence":"Official regulatory text and additional enacted provisions","Next focused action":"Repeat narrowly in authenticated code/regulation repository, not other states"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":24,"topic":"2.12 Dedicated additional VI “debt adjustment”/“credit-services” license","researcher_status_preserved":"unresolved / NOT LOCATED","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C043","J_VI-P01-C048"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"2.13 Adjacent money transmission","researcher_record":{"Item / material subissue":"2.13 Adjacent money transmission","Status":"unresolved","Findings / exact claim IDs":"§5; J_VI-P01-C043, J_VI-P01-C048","Missing evidence":"§511 operative text, transmission definitions and actual fund arrangement","Next focused action":"Independent Title 9 Chapter 22 applicability pass"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":25,"topic":"2.13 Adjacent money transmission","researcher_status_preserved":"unresolved","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C043","J_VI-P01-C048"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.1 Registration requirement and regulator","researcher_record":{"Item / material subissue":"3.1 Registration requirement and regulator","Status":"answered","Findings / exact claim IDs":"§3; J_VI-P01-C012","Missing evidence":"No entity-specific status authorized","Next focused action":"Retain law/roster distinction"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; 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Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":27,"topic":"3.2 Public provider-registration lookup","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C013"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.3 Registration filing form and fee","researcher_record":{"Item / material subissue":"3.3 Registration filing form and fee","Status":"partial","Findings / exact claim IDs":"§3; J_VI-P01-C014, J_VI-P01-C019","Missing evidence":"Current agency form and filing fee schedule","Next focused action":"Obtain public agency rule/form text"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":28,"topic":"3.3 Registration filing form and fee","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C014","J_VI-P01-C019"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.4 Nonresident, no-storefront, branch/site reporting","researcher_record":{"Item / material subissue":"3.4 Nonresident, no-storefront, branch/site reporting","Status":"partial","Findings / exact claim IDs":"§3; J_VI-P01-C014","Missing evidence":"Additional branch fee/rule if promulgated","Next focused action":"Confirm whether additional rule creates site charge"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":29,"topic":"3.4 Nonresident, no-storefront, branch/site reporting","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C014"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.5 Initial background, audits and personnel data","researcher_record":{"Item / material subissue":"3.5 Initial background, audits and personnel data","Status":"answered","Findings / exact claim IDs":"§3; J_VI-P01-C014","Missing evidence":"Applicant facts outside authorization","Next focused action":"Preserve specific document predicates"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":30,"topic":"3.5 Initial background, audits and personnel data","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C014"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.6 Surety amount, benefit, duration and claims","researcher_record":{"Item / material subissue":"3.6 Surety amount, benefit, duration and claims","Status":"partial","Findings / exact claim IDs":"§3; J_VI-P01-C018, J_VI-P01-C019","Missing evidence":"Adjusted amount and agency discretion in operation","Next focused action":"Review public adjustment/bond directive"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":31,"topic":"3.6 Surety amount, benefit, duration and claims","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C018","J_VI-P01-C019"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.7 Substitute security","researcher_record":{"Item / material subissue":"3.7 Substitute security","Status":"answered","Findings / exact claim IDs":"§3; J_VI-P01-C018","Missing evidence":"None for textual categories","Next focused action":"Keep regulator approval conditions"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":32,"topic":"3.7 Substitute security","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C018"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.8 Fidelity insurance, deductible, net worth","researcher_record":{"Item / material subissue":"3.8 Fidelity insurance, deductible, net worth","Status":"partial","Findings / exact claim IDs":"§3; J_VI-P01-C018","Missing evidence":"Adjusted minimum and any supplementary net-worth rule","Next focused action":"Verify official amendments/regulations; no net-worth threshold invented"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":33,"topic":"3.8 Fidelity insurance, deductible, net worth","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C018"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.9 Annual renewal and account-reporting measures","researcher_record":{"Item / material subissue":"3.9 Annual renewal and account-reporting measures","Status":"answered for statute","Findings / exact claim IDs":"§3; J_VI-P01-C017, J_VI-P01-C018","Missing evidence":"Current renewal forms/administrative fee","Next focused action":"Verify published rule/forms"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":34,"topic":"3.9 Annual renewal and account-reporting measures","researcher_status_preserved":"answered for statute","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C017","J_VI-P01-C018"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.10 Decisions, denial, hearings and appeal","researcher_record":{"Item / material subissue":"3.10 Decisions, denial, hearings and appeal","Status":"partial","Findings / exact claim IDs":"§3; J_VI-P01-C016","Missing evidence":"Original Act's “Commission” discrepancy, current procedures","Next focused action":"Check Act No. 7145 and promulgated procedural rules"},"coordinator_acceptance":"bounded_material_correction_hold_UNSENT","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":35,"topic":"3.10 Decisions, denial, hearings and appeal","researcher_status_preserved":"partial","coordinator_disposition":"bounded_material_correction_hold_UNSENT","literal_claim_tokens":["J_VI-P01-C016"],"finding_ids":["J_VI-P01-Q003"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"3.11 Amendments, application confidentiality, examinations","researcher_record":{"Item / material subissue":"3.11 Amendments, application confidentiality, examinations","Status":"answered for statutory text","Findings / exact claim IDs":"§§3, 6; J_VI-P01-C015, J_VI-P01-C038","Missing evidence":"Confidential administrative practice","Next focused action":"Separate records/review from public lookup"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; 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Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":80,"topic":"6.6 Treble damages/minimum/punitive/fees","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C040"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.7 Criminal sanctions squarely in Chapter 7","researcher_record":{"Item / material subissue":"6.7 Criminal sanctions squarely in Chapter 7","Status":"unresolved / NOT LOCATED","Findings / exact claim IDs":"§6; J_VI-P01-C047","Missing evidence":"Broader criminal statutes/enforcement charging instruments","Next focused action":"Narrow separate criminal-source pass if warranted"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":81,"topic":"6.7 Criminal sanctions squarely in Chapter 7","researcher_status_preserved":"unresolved / NOT LOCATED","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C047"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.8 Chapter 6 consumer fraud/private crossover","researcher_record":{"Item / material subissue":"6.8 Chapter 6 consumer fraud/private crossover","Status":"partial","Findings / exact claim IDs":"§6; J_VI-P01-C041, J_VI-P01-C042","Missing evidence":"Scope-specific precedent","Next focused action":"Keep §436 single-recovery rule"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":82,"topic":"6.8 Chapter 6 consumer fraud/private crossover","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C041","J_VI-P01-C042"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.9 CROA federal remedies and enforcement","researcher_record":{"Item / material subissue":"6.9 CROA federal remedies and enforcement","Status":"answered conditionally","Findings / exact claim IDs":"§6; J_VI-P01-C044","Missing evidence":"Covered actor/territorial state-enforcer question","Next focused action":"Separate federal jurisdiction from territorial private case"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":83,"topic":"6.9 CROA federal remedies and enforcement","researcher_status_preserved":"answered conditionally","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C044"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.10 Chapter 7 action periods","researcher_record":{"Item / material subissue":"6.10 Chapter 7 action periods","Status":"answered for text","Findings / exact claim IDs":"§6; J_VI-P01-C041","Missing evidence":"Actual trigger chronology","Next focused action":"No exact claimant filing date"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":84,"topic":"6.10 Chapter 7 action periods","researcher_status_preserved":"answered for text","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C041"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.11 Provider enforcement opinions/orders","researcher_record":{"Item / material subissue":"6.11 Provider enforcement opinions/orders","Status":"unresolved / NOT LOCATED","Findings / exact claim IDs":"§6 and A2 search; J_VI-P01-C047","Missing evidence":"Unindexed holdings, official archives, administrative decisions","Next focused action":"Focused public-opinion and published-order search"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":85,"topic":"6.11 Provider enforcement opinions/orders","researcher_status_preserved":"unresolved / NOT LOCATED","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C047"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.12 Agency public complaint resources","researcher_record":{"Item / material subissue":"6.12 Agency public complaint resources","Status":"answered","Findings / exact claim IDs":"§6; J_VI-P01-C045","Missing evidence":"Dedicated Chapter 7 intake form not located","Next focused action":"Public instructions only; no actual complaint"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":86,"topic":"6.12 Agency public complaint resources","researcher_status_preserved":"answered","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C045"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.13 Legal assistance/referral resources","researcher_record":{"Item / material subissue":"6.13 Legal assistance/referral resources","Status":"partial","Findings / exact claim IDs":"§6; J_VI-P01-C045","Missing evidence":"Current territorial legal-aid eligibility and service list","Next focused action":"Inspect official public legal-aid listings"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":87,"topic":"6.13 Legal assistance/referral resources","researcher_status_preserved":"partial","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C045"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.14 Read-only consumer document checklist","researcher_record":{"Item / material subissue":"6.14 Read-only consumer document checklist","Status":"answered as informational output","Findings / exact claim IDs":"§6; J_VI-P01-C045","Missing evidence":"No actual consumer facts authorized","Next focused action":"Retain documentation checklist only"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":88,"topic":"6.14 Read-only consumer document checklist","researcher_status_preserved":"answered as informational output","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C045"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.15 Hypothetical classification and exemption","researcher_record":{"Item / material subissue":"6.15 Hypothetical classification and exemption","Status":"answered conditional","Findings / exact claim IDs":"Example A; J_VI-P01-C046","Missing evidence":"No real company facts","Next focused action":"Retain all predicates in content"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":89,"topic":"6.15 Hypothetical classification and exemption","researcher_status_preserved":"answered conditional","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C046"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.16 Hypothetical numeric fee analysis","researcher_record":{"Item / material subissue":"6.16 Hypothetical numeric fee analysis","Status":"answered as printed-text example; live amount unresolved","Findings / exact claim IDs":"Example B; J_VI-P01-C030, J_VI-P01-C031, J_VI-P01-C034, J_VI-P01-C046","Missing evidence":"Adjusted caps/real ledger","Next focused action":"Do not publish as 2026 limit"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":90,"topic":"6.16 Hypothetical numeric fee analysis","researcher_status_preserved":"answered as printed-text example; live amount unresolved","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C030","J_VI-P01-C031","J_VI-P01-C034","J_VI-P01-C046"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"6.17 Hypothetical funds and termination","researcher_record":{"Item / material subissue":"6.17 Hypothetical funds and termination","Status":"answered conditional","Findings / exact claim IDs":"Example C; J_VI-P01-C026, J_VI-P01-C027, J_VI-P01-C046","Missing evidence":"Real payment/settlement facts","Next focused action":"Preserve provider-versus-creditor distinction"},"coordinator_acceptance":"scoped_review_complete_remaining_source_currentness_application_holds","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":91,"topic":"6.17 Hypothetical funds and termination","researcher_status_preserved":"answered conditional","coordinator_disposition":"scoped_review_complete_remaining_source_currentness_application_holds","literal_claim_tokens":["J_VI-P01-C026","J_VI-P01-C027","J_VI-P01-C046"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"Collection conduct, validation and credit reporting","researcher_record":{"Other A066 territorial dimension":"Collection conduct, validation and credit reporting","Status":"excluded_with_reason","Boundary and claim cross-reference":"Only necessary provider/creditor distinction in J_VI-P01-C011; no collector-conduct findings accepted.","Missing evidence / next assignment":"Separate territorial collector-conduct, federal validation and reporting pass."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":92,"topic":"Collection conduct, validation and credit reporting","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C011"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"General debt limitations and revival","researcher_record":{"Other A066 territorial dimension":"General debt limitations and revival","Status":"excluded_with_reason","Boundary and claim cross-reference":"J_VI-P01-C041 covers provider-action limits only.","Missing evidence / next assignment":"Separate contract/debt limitation, accrual, payment/revival and choice-of-law pass."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":93,"topic":"General debt limitations and revival","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C041"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"Litigation, service, default and judgments","researcher_record":{"Other A066 territorial dimension":"Litigation, service, default and judgments","Status":"excluded_with_reason","Boundary and claim cross-reference":"Provider litigation remedies only under J_VI-P01-C037–C040.","Missing evidence / next assignment":"Separate debt-lawsuit procedure/default/judgment pass."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":94,"topic":"Litigation, service, default and judgments","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C037"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"Garnishment, bank and property exemptions","researcher_record":{"Other A066 territorial dimension":"Garnishment, bank and property exemptions","Status":"excluded_with_reason","Boundary and claim cross-reference":"Provider trust ownership under J_VI-P01-C027 does not decide creditor execution.","Missing evidence / next assignment":"Separate wage, bank and property-enforcement pass."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":95,"topic":"Garnishment, bank and property exemptions","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C027"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"Secured, medical, rent, utilities and taxes","researcher_record":{"Other A066 territorial dimension":"Secured, medical, rent, utilities and taxes","Status":"excluded_with_reason","Boundary and claim cross-reference":"J_VI-P01-C010 flags classification limits only.","Missing evidence / next assignment":"Separate obligations/product-specific priority and remedy passes."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":96,"topic":"Secured, medical, rent, utilities and taxes","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C010"],"finding_ids":["J_VI-P01-Q002"],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}},{"topic":"Broader vulnerable-consumer and specialized remedies","researcher_record":{"Other A066 territorial dimension":"Broader vulnerable-consumer and specialized remedies","Status":"excluded_with_reason","Boundary and claim cross-reference":"Only narrow Chapter 6 adjacency under J_VI-P01-C042.","Missing evidence / next assignment":"Separate protected-population, unfair practices and specialized remedy pass."},"coordinator_acceptance":"deferred_dimension_preserved","coordinator_review":{"at":"2026-10-29T04:34:04.281669+00:00","identity":"delegated coordinator /root/review_wv1; Scott-authorized parallel saved-backlog review","review":"[internal evidence reference]","checks":"[internal evidence reference]","disposition":{"coverage_ordinal":97,"topic":"Broader vulnerable-consumer and specialized remedies","researcher_status_preserved":"excluded_with_reason","coordinator_disposition":"deferred_dimension_preserved","literal_claim_tokens":["J_VI-P01-C042"],"finding_ids":[],"source_hold_for_each_linked_claim":true,"range_claims_not_mechanically_expanded":true,"coverage_or_parent_accepted":false},"independent_review":false,"parent_assignment_complete":false}}],"annotations":{},"corrections":[{"issue_id":"J_VI-P01-Q001","finding":"TSR credit-improvement fee timing requires the omitted six-month proof predicate The report invokes310.4(a)(2) but leaves the fee conditions as a generic completion/result reference. That is insufficient extensive treatment of the distinct credit-improvement timing rule and can collapse it into CROAfullyperformed timing.","affected_claim_ids":["J_VI-P01-C035"],"related_claim_ids":[],"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."},{"issue_id":"J_VI-P01-Q002","finding":"Do not import a household-purpose restriction into the CROA organization definition The business-purpose row implies CROA supplies a personal/household limitation.1679a(2)defines consumercredittransaction that way, but the operative creditrepairorganization definition(3)uses consumer(1)=individual and credit-improvement purpose, without invoking(2)as a general household-debt prerequisite. No controlling interpretation was read supporting the implied categorical restriction.","affected_claim_ids":["J_VI-P01-C006","J_VI-P01-C010"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.govinfo.gov/link/uscode/15/1679a"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"J_VI-P01-Q003","finding":"Distinguish conditional mandatory issuance and pinpoint the nonprofit independence definition C016weakens409(a)conditional SHALLissue to undifferentiated MAYissue/deny. The source record and claim cite(a)-(d), omitting(e), which actually defines the nonprofit independent-board test referenced in the narrative.","affected_claim_ids":["J_VI-P01-C016"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/409/","https://law.justia.com/codes/virgin-islands/title-12a/chapter-7/410/"],"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_VI-P01-COORDINATOR-SCOPED-REVIEW","status":"scoped_coordinator_review_complete_with_material_corrections_UNSENT_and_primary_currentness_application_holds","at":null}]}