{"meta":{"key":"s_al--pass-01","task":"S_AL","title":"Alabama provider market access and consumer fees","parent_title":"Alabama debt and debt relief law","edition":"pass-01","path":"/research/s_al--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":7,"claims":39,"sources":31,"review_status":"revise","review_complete":true,"sha256":"37bd288951852c86c0c8e34e510c7432f99399e793a3aeba9149c7b7b3682f99","headings":["Alabama provider market access and consumer fees","1. Definitions and classification depend on the actual conduct","Alabama’s two principal classification systems","Classification and access matrix","The important limitation supplied by Porter","Consumer versus business purpose","2. Prohibited, authorized, and conditionally exempt models","Reserved legal services","Transmission authorization","3. Applicable fee structures, limits, indexing, and refunds","Reconciliation of dated materials","4. When fees may actually be requested or received","Alabama permission first","Federal TSR common context","DMP and partial-payment boundaries","Dedicated accounts and coverage exceptions","5. Actual permission, application, and lookup evidence","6. Worked fee and boundary examples","7. Component coverage and remaining investigations","Alabama legal and interpretive sources","Applications, lookup, and administrative-rule evidence","Federal common-context sources","Worked examples","Example 1 — Classification hold before calculating a nonlawyer settlement fee","Example 2 — Genuine lawyer, earned work, and termination refund","Example 3 — Lower-balance debt resolved first; proportional federal allocation","Example 4 — Previous lawful fee payment","Example 5 — Savings-based fee after completed settlement","Example 6 — Partial payment and genuine installments","Example 7 — Dedicated-account cancellation","Example 8 — Nonprofit percentage-fee hold","Example 9 — Regulator charge, kept separate from consumer fees","Full component coverage and gap table"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_AL/pass-01","facets":{"geography":["us","us-al"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; allotherstatecategories remainrequired","pending_corrections":0},"markdown":"# SettleADebt.com — S_AL PASS-01\n\n## Alabama provider market access and consumer fees\n\n**Baseline:** October 22, 2026, Pacific.\n**Actual access:** October 22, 2026, Pacific, corresponding to October 23, 2026, UTC.\n\n**Principal finding:** Alabama requires separate analysis of **authority to perform the underlying debt service** and **authority to receive and transmit client money**. A money-transmitter license can authorize covered payment-distribution activity. It does not authorize a nonlawyer to perform services reserved to licensed attorneys. Conversely, attorney involvement or nonprofit status does not establish a blanket money-transmission exemption. The controlling collection precedent also prevents treating every peaceful adjustment of an undisputed account as prohibited legal practice. **Claims C001–C014.** [Alabama Securities Commission+3](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com)\n\n**Fee finding:** This investigation did **not establish a current Alabama debt-service schedule prescribing consumer setup, monthly, settlement, per-debt, savings-percentage, or aggregate dollar caps, or a CPI adjustment mechanism**. That is a bounded evidence finding, not a conclusion that fees are unlimited. Verified lawyer-fee restrictions, qualifying nonprofit conditions, and independently applicable federal timing rules still matter. **C015–C019, C026–C035.**\n\nThis is one component of the Alabama dossier. **Alabama and A066 acceptance remain open.**\n\n**Identifier convention:** References such as **C001** and **S001** below mean **S_AL-P1-C001** and **S_AL-P1-S001**. The registers contain the full unique identifiers.\n\n# A. Substantive answers to the seven scope questions\n\n## 1. Definitions and classification depend on the actual conduct\n\n### Alabama’s two principal classification systems\n\nThe Alabama practice-of-law framework reaches more than appearances in court. Section 34-3-6 addresses compensated legal advice and document work, compensated representation concerning another’s rights, and vocational adjustment or compromise of specified accounts and claims. Its debt-related language concerns **defaulted, controverted, or disputed** accounts and the actor’s relationship to the parties. Custody of money is not a prerequisite. The operative language is corroborated by an official State Bar opinion, although the current official legislative codification could not be retrieved; the freshly read standalone codification was the unofficial 2025 reproduction. **C001, C003–C004; S001–S003.** [law.justia.com+1](https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com)\n\nSeparately, the Alabama Monetary Transmission Act covers receiving money or monetary value for transmission, as well as issuing or selling specified payment instruments or stored value. ASC expressly connects the Act to debt-management businesses that receive obligors’ money to pay their bills or accounts. **C005–C007; S005–S006, S028.** [Alabama Securities Commission+2](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com)\n\n### Classification and access matrix\n\n| Actual business model | Classification and access conclusion for this pass | Conditions and failure cases | Claims |\n| --- | --- | --- | --- |\n| General budgeting or financial education, with no individualized legal advice, negotiation, or receipt of creditor-payment funds | No dedicated Alabama debt-service license was established merely for this description. Classification remains conditional on what the service actually does. | Adding advice about legal defenses, drafting settlement instruments, representing the customer, or distributing payments changes the analysis. | C001, C005, C037 |\n| Nonlawyer negotiating principal reductions on defaulted or disputed debts | Reserved legal activity is prohibited for an unauthorized nonlawyer. A generic debtor-side settlement business was **not cleared** by this investigation. | The particular activity, dispute status, representation, statutory relationship language, and controlling precedent must be applied. An independent savings account does not cure unauthorized legal work. | C001–C003, C012 |\n| DMP obtaining interest reductions, fee waivers, or payment concessions while generally repaying principal | Principal reduction is not the decisive boundary. Negotiation and payment distribution must each be classified. | A transmission license does not resolve whether the negotiation or legal-document component is reserved legal practice. Federal debt-relief coverage can include these concessions. | C003, C005–C006, C026, C031 |\n| Business receiving client money and distributing it to creditors | Covered transmission activity has an actual ASC licensing or authorized-delegate route, subject to applicable exclusions and conditions. | The enterprise must establish the relevant license/delegate status or prove its exemption. Its other services need separate authority. | C005–C011 |\n| Provider using a third-party account administrator | The provider’s actual receipt, control, instructions, agency relationships, and transmission functions require examination. | “Noncustodial” is not conclusive. A bank’s exclusion does not automatically extend to a separate service company. | C003, C005, C008–C010, C012 |\n| Properly authorized lawyer providing genuine legal representation | A conditional legal-services pathway exists. | Actual licensing, professional independence, fee rules, remote-practice restrictions, and any separate transmission obligations apply. A nominal lawyer relationship is insufficient. | C013–C016 |\n| Nonprofit counseling or DMP organization | Nonprofit incorporation supplies no blanket Alabama exemption identified here. | Reserved legal activity and transmission remain separate questions. A qualifying tax-exempt credit-counseling organization also faces federal conditions under §501(q). | C010, C018–C019, C035 |\n| Creditor negotiating its own claim or business | The own-business/own-claims language is relevant. | It does not automatically cover a separate affiliate, outside servicing company, or consumer representative. Corporate court representation is outside this pass. | C004 |\n| Bank or other institution claiming an exclusion | Potentially excluded or partially exempt only under the applicable statutory category and activity conditions. | “Financial institution,” “bank partner,” or “bank affiliate” is not a substitute for satisfying the actual provision. | C008–C010 |\n| Remote provider serving an Alabama customer | No blanket remote-provider safe harbor was established. | The precise resident/remote nexus, location of conduct, fund receipt/control, and lawyer-practice facts remain an application hold. | C012 |\n\n### The important limitation supplied by *Porter*\n\nIn *State ex rel. Porter v. Alabama Association of Credit Executives*, the Alabama Supreme Court distinguished peaceful collection of undisputed, uncontested delinquent accounts from prohibited activity involving legal threats or disputed claims. The case concerned a **creditor-side commercial collection association**, not a modern debtor-side settlement program.\n\nAccordingly, neither “all debt settlement is prohibited” nor “friendly negotiation makes every settlement business lawful” is supported. The opinion’s rehearing modification also matters: a sentence categorically prohibiting a particular 5% follow-up charge was deleted. That historical charge is **not a current consumer fee cap**. **C002; S002, pp. 813–816.** [law.justia.com](https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com)\n\n### Consumer versus business purpose\n\nThe Alabama provisions examined do not use consumer purpose as a universal exclusion from either reserved legal practice or money transmission. A commercial-debt business therefore cannot assume exemption merely because its customers are businesses. Federal TSR coverage has its own definitions and business-call exemptions, discussed separately below. **C003, C005, C027.**\n\n## 2. Prohibited, authorized, and conditionally exempt models\n\n### Reserved legal services\n\nAn unauthorized nonlawyer cannot obtain permission to perform reserved legal services by acquiring a transmission license, employing a lawyer as nominal cover, or changing the fee’s name. Alabama professional-independence rules restrict nonlawyer fee sharing, ownership/control arrangements, and assistance in unauthorized practice. **C001, C014; S003–S004.**\n\nThe debt-specific historical example is *In re Nelms*. The bankruptcy court described a purported law-firm debt operation that outsourced substantive work to a nonlawyer business and separately encountered licensing violations under the then-applicable Sale of Checks Act. This is useful evidence against treating an attorney connection as sufficient. It is **not** a current interpretation of every provision of Chapter 7A. **C014, C023; S019, pp. 2–5.** [cond5_4+1](https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf?utm_source=chatgpt.com)\n\n### Transmission authorization\n\nThe issuing regulator is the **Alabama Securities Commission**, under **Ala. Code Title 8, Chapter 7A**. Section 8-7A-5 addresses engaging in, advertising, soliciting, or holding out covered transmission services. The authorized-delegate route requires a licensed principal and compliance with the statutory relationship requirements; it does not permit an unlimited chain of subdelegates. **C006–C007.**\n\nThe statute distinguishes:\n\n- **Section 8-7A-3 exclusions from the chapter**, including specified governmental, banking, and commodities-related categories.\n- **Section 8-7A-4 exemptions from §§8-7A-5 through 8-7A-15 only**, including specified clearing, payment-system, broker-dealer, and government-payment activities.\n\nThe government-payment category has cumulative conditions, including exclusive purpose, a binding government contract, notice, annual audit, segregation, prompt notification of problems, and examination access. No generic attorney or nonprofit exclusion appears in those sections. **C008–C010; S005, S028.** [Alabama Securities Commission+1](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com)\n\nA genuine lawyer pathway also requires the correct professional status. The Bar’s licensing page distinguishes an occupational license for private practice from special membership; “good standing” alone does not establish private-practice authority. Rule 5.5’s temporary or incidental out-of-state permissions are not a blanket authorization for continuous Alabama practice. **C012–C013; S004, S015.** [cond5_5+1](https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf?utm_source=chatgpt.com)\n\n## 3. Applicable fee structures, limits, indexing, and refunds\n\n| Fee or charge | Verified result | What remains held or conditional | Claims |\n| --- | --- | --- | --- |\n| Consumer setup/enrollment fee | No Alabama debt-service dollar ceiling established in the sources successfully read. | No advance-fee permission follows from that result; TSR may prohibit requesting it before performance. | C017, C028, C034 |\n| Consumer monthly DMP/service fee | No current Alabama dollar, per-creditor, or percentage schedule established. | Federal treatment of qualifying DMP servicing fees does not establish Alabama fee permission. | C017, C031 |\n| Settlement fee based on enrolled debt | No Alabama percentage or aggregate ceiling established. | Provider authority, contract validity, lawyer rules where applicable, and federal allocation/timing remain separate. | C015, C017, C029 |\n| Settlement fee based on savings | No Alabama savings-percentage ceiling established. | Federal savings allocation is conditional; qualifying nonprofits face an additional §501(q) restriction. | C017–C018, C030 |\n| Per-debt minimum, flat settlement fee, or aggregate minimum | No specific Alabama schedule established. | A minimum cannot evade a federal allocation requirement or qualitative lawyer-fee restriction. | C015, C017, C029–C030 |\n| Lawyer hourly, fixed, or contingent fee | Rule 1.5 prohibits clearly excessive fees; contingent terms must satisfy its written-agreement requirements and other applicable law. | No debt-specific numeric ceiling appears in the read rule. | C015 |\n| Lawyer advance and cancellation | The payment comment permits advances generally; Rule 1.16(d) requires return of unearned advances on termination. | Applicable TSR restrictions can prevent taking the advance. No universal Alabama refund-day count was established here. | C016, C028 |\n| Qualifying tax-exempt credit-counseling organization | §501(q) requires reasonable fees and a fee policy permitting inability-to-pay waivers. Percentage fees are restricted except to the extent state law allows. | This pass did not establish the Alabama permission necessary to clear a proposed percentage-based nonprofit fee. | C018 |\n| Nonprofit donations/referral funding | Additional §501(q) restrictions apply, including referral compensation and, for qualifying §501(c)(3) organizations, contribution solicitation and creditor-revenue conditions. | These are federal tax conditions, not Alabama consumer-fee caps or licensing exemptions. | C019 |\n| CPI/indexed debt-service amounts | No applicable Alabama indexing mechanism or current adjustment notice was verified. | **No adjusted amount calculated or supplied.** | C017 |\n| Initial ASC application charges | Currently posted instructions specify **$500 filing + $500 license = $1,000**. | Provider-to-regulator charges, not consumer fees. | C020 |\n| Annual ASC renewal | Statute establishes a **$500 minimum**. | Exact current operative rule amount remains held; the complete rule was not successfully read. | C021 |\n\nThe lawyer-fee and refund conclusions come from the official Alabama court rules. The nonprofit percentage restriction was read in the official U.S. Code compilation, with stated currency through October 7, 2026. **S004, S025.** [cond1_5+2](https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf?utm_source=chatgpt.com)\n\n### Reconciliation of dated materials\n\nThe ASC’s May 11, 2009 alert and the historical *Nelms* matter concern the former framework. **Act 2017-389 repealed Chapter 7 and replaced it with Chapter 7A**, effective August 1, 2017. The 2009 alert’s placement in a /2023/11/ upload directory does not change its issue date. **C023; S006, S019–S020, S028.**\n\nA September 27, 2023 official sunset report lists a **$500 renewal fee**, citing Rule 830-X-7A-.09. That is dated corroboration of an agency charge, not a freshly verified 2026 operative rule or consumer-fee schedule. **C021; S027, printed p. 20.** [asc.alabama.gov+3](https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf?utm_source=chatgpt.com)\n\nTwo 2026 boundaries were also checked:\n\n- The cryptocurrency-kiosk addition, §8-7A-28, became effective **October 1, 2026**. Its transaction and fraud-refund rules are activity-specific and do not supply an ordinary debt-settlement fee schedule. The ASC Chapter 7A reproduction omits this addition. **C024.**\n- HB585’s introduced international-transfer fee proposal is not treated as enacted law. Its final official disposition remains unverified. **C025.**\n\n## 4. When fees may actually be requested or received\n\n### Alabama permission first\n\nThis pass establishes no general Alabama rule allowing a debt-settlement business to collect an enrollment fee merely because the customer signs a contract. A lawful business model, a lawful charge, and lawful collection timing are separate requirements.\n\nFor an authorized lawyer, the general advance-payment comment must be read together with the unearned-fee refund rule and any independently applicable federal restriction. **C015–C017, C028.**\n\n### Federal TSR common context\n\nThe current eCFR passages were actually read. The display stated currency through **October 21, 2026**. These federal provisions are common context, not Alabama licensing authority.\n\nFor covered debt-relief telemarketing, **requesting or receiving** provider fees generally requires:\n\n1. A qualifying alteration of at least one debt under a valid agreement executed by the customer.\n2. At least one customer payment under the agreement with the creditor or collector.\n3. Compliance with the applicable allocation method when debts are altered individually.\n\nA retainer, membership, application, or maintenance label does not avoid the restriction. **C028–C030, C034; S021–S024.** [ecfr.gov+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\nFor individually resolved debts, the rule permits either the specified proportional allocation using enrollment balances or a consistent percentage of savings using the enrollment balance and amount paid to satisfy the debt. It does not establish a federal 15%, 20%, or 25% safe-harbor ceiling. **C029–C030.**\n\n### DMP and partial-payment boundaries\n\nThe FTC adoption explanation addresses a DMP in which creditor concessions are obtained together: a binding plan and the consumer’s first qualifying payment must precede fees; the rule does not then prohibit subsequent periodic servicing fees merely because the program continues. That explanation cannot be applied to every arrangement marketed as a DMP. **C031.**\n\nA genuine creditor-approved installment settlement can satisfy the payment trigger with its first qualifying installment. If the creditor instead requires a lump sum, a provider cannot create its own installment schedule and claim that an insufficient partial payment unlocks its fee. **C032; S022, 75 FR 48489–48490, notes 431–432.** [federalregister.gov+2](https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule?utm_source=chatgpt.com)\n\n### Dedicated accounts and coverage exceptions\n\nA qualifying dedicated account remains consumer-owned, including interest, and must satisfy the rule’s insurance, independence, and compensation conditions. Upon exit, the specified account balance, less compliant earned fees, must be returned within **seven business days** of the request. This is not a general Alabama seven-day cancellation rule. **C033.**\n\nCoverage depends on actual sales conduct and entity jurisdiction. Debt relief is carved out of certain general inbound-call exemptions; attorneys have no categorical exemption; bona fide nonprofit treatment is different from a nonprofit label. The face-to-face and business-purchase provisions have specific boundaries. **C026–C027, C034–C035.** [ecfr.gov+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com)\n\n## 5. Actual permission, application, and lookup evidence\n\n**An actual ASC application route was verified.** The posted instructions identify Form MT, supporting materials, initial charges, and submission directions. Form MT contains an **Obligor Agent Questionnaire** addressing receipt, safeguarding, accounting, and transmission of customer funds. Form MTR supplies a renewal procedure. **C011, C020–C022; S009–S011.**\n\nA filed form alone is not proof of authorization. Section 8-7A-8 governs issuance and includes a completeness-based 120-day mechanism, subject to good-cause extensions. No applicant or provider was evaluated under that mechanism here. [Alabama Securities Commission+3](https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com)\n\n**Operational limit:** ASC currently posts forms and mailing instructions, while the official NMLS checklist page produced no readable checklist. Therefore, the posted procedure is verified **as posted**, but the exclusive current intake channel is not established.\n\n**Lookup limit:** NMLS Consumer Access returned a retrieval error in this investigation. The Alabama Bar’s public member-search form was successfully read. Neither result establishes a named debt-service provider’s actual authorization. No marketing statement was used as proof. **C013, C022; S015–S018.**\n\n## 6. Worked fee and boundary examples\n\nThe complete plain-text examples are in Section D. They include:\n\n- A classification hold for an uncleared nonlawyer model.\n- An authorized-lawyer earned/unearned-fee calculation.\n- A lower-balance debt resolved before larger debts.\n- Credit for a previous lawful fee payment.\n- Savings-based arithmetic.\n- Lump-sum versus genuine installment settlement.\n- Dedicated-account cancellation.\n- A nonprofit percentage-fee hold.\n\nNo example assumes that an invented Alabama debt-settlement license exists.\n\n## 7. Component coverage and remaining investigations\n\nThe full pass coverage and gap table follows the examples in Section D. The unresolved items remain explicit; the broader Alabama dossier is not accepted or closed by this component.\n\n# B. Source register\n\n**Access code A:** Actually checked during October 22, 2026, Pacific / October 23, 2026, UTC.\n**R:** Relevant operative passage or identified document portion freshly read.\n**X:** Route attempted, but usable operative text or result was not obtained.\n**Historical/proposed** identifies legal status; it does not mean the document was merely discovered.\n\n## Alabama legal and interpretive sources\n\n| Source ID | Title / issuer and direct literal URL | Pinpoint actually read; version and legal status | Access, jurisdiction, and limitations |\n| --- | --- | --- | --- |\n| **S_AL-P1-S001** | Ala. Code §34-3-6, reproduced by Justia: [https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/](https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com) | Entire (a)–(e); labeled 2025 Code; history cites Act 2018-561. | **A/R. Alabama; unofficial reproduction.** Official current codification not successfully read. [law.justia.com](https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com) |\n| **S_AL-P1-S002** | *State ex rel. Porter v. Alabama Association of Credit Executives*, Alabama Supreme Court: [https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html](https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com) | 338 So. 2d 812, 813–816; July 16, 1976 opinion and September 10 rehearing modification. | **A/R. Alabama controlling-court opinion reproduced by Justia.** Creditor-side facts; comprehensive subsequent-history certification not obtained. [law.justia.com](https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com) |\n| **S_AL-P1-S003** | Alabama State Bar Formal Opinion 2013-01, “Prosecuting a BP Claim”: [https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/](https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/?utm_source=chatgpt.com) | Discussion quoting practice-of-law categories and addressing professional assistance/fee sharing. | **A/R. Official ethical interpretation, 2013.** BP-claim context; not a debt-settlement adjudication. Page contains a statutory-number typo; correct provision is §34-3-6. [Alabama State Bar](https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/?utm_source=chatgpt.com) |\n| **S_AL-P1-S004** | Alabama Rules of Professional Conduct, Alabama Judicial System: [https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf](https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf?utm_source=chatgpt.com); [https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf](https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf?utm_source=chatgpt.com); [https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf](https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf?utm_source=chatgpt.com); [https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf](https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf?utm_source=chatgpt.com) | Rule 1.5(a)–(f), pp. 1–2, payment comment p. 3; Rule 1.16(d), p. 2; Rule 5.4(a)–(d), p. 1; Rule 5.5 and comments, pp. 1–3. | **A/R. Official currently posted court-rule texts.** Rule 5.5 states September 19, 2006 amendment effectiveness. Other webpage/upload dates are not treated as effective dates. One rulebook ID reused across provisions. [cond1_5+3](https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S005** | Alabama Monetary Transmission Act, ASC reproduction: [https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com) | Posted §§8-7A-1–27; especially §§2–11, 16, 21(c), 25–27. | **A/R. Official agency statutory reproduction.** Omits new §28; not accepted as a complete 2026 chapter compilation. [Alabama Securities Commission](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com) |\n| **S_AL-P1-S006** | ASC, August 16, 2017 implementation release: [https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf](https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf?utm_source=chatgpt.com) | Both pages; p. 1 replacement law, August 1 effectiveness, and debt-management receipt/distribution example. | **A/R. Historical official implementation explanation.** Supports transition and activity classification, not named authorization. [asc.alabama.gov](https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S007** | Alabama Legislature, HB303 enrolled, 2026 regular session: [https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf?utm_source=chatgpt.com) | §1 adding §8-7A-28; definitions, transaction/refund scope; §2, printed p. 10, effective October 1, 2026. | **A/R. Enrolled statutory text; enactment/in-force treatment corroborated by S008.** Kiosk-specific boundary. [alison.legislature.state.al.us](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S008** | ASC, Cryptocurrency Kiosk Fraud Prevention Act announcement: [https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf](https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf?utm_source=chatgpt.com) | Both pages; October 1, 2026 implementation statement. | **A/R. Official 2026 operational confirmation.** Does not replace S007’s text. [asc.alabama.gov](https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S019** | *In re Keith A. Nelms*, Bankr. M.D. Ala., No. 10-30430-WRS, Doc. 72: [https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf](https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf?utm_source=chatgpt.com) | July 6, 2010 memorandum; relevant factual/legal discussion pp. 2–5, within pp. 1–9 read. | **A/R. Primary federal trial-court document; historical Alabama debt-operation facts.** Underlying state injunction not separately read; former licensing law applies to its facts. [govinfo.gov](https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S020** | ASC, “Beware of Questionable Debt Management Programs”: [https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf](https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf?utm_source=chatgpt.com) | Entire one-page alert, issued May 11, 2009. | **A/R. Historical consumer alert.** No consumer fee schedule; predates 2017 replacement. [asc.alabama.gov](https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S026** | Alabama Legislature, HB585 introduced, 2026: [https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf?utm_source=chatgpt.com) | Introduced cover/synopsis and proposed international-transfer/reporting provisions. | **A/R, proposed version.** Final official disposition unresolved; no proposed charge treated as law. [alison.legislature.state.al.us](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S028** | Act 2017-389, signed-act archive, Alabama Secretary of State: [https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf](https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf?utm_source=chatgpt.com); record: [https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017](https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017&utm_source=chatgpt.com) | Act §1 repeal; §2, especially printed pp. 2–17; §§25–27 tail; Act §5, printed p. 32. Record states approval May 26, 2017. | **A/R. Original enacted law.** Effective August 1, 2017, corroborated by S006. Later changes must be added separately. [Alabama Secretary of State+3](https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017&utm_source=chatgpt.com) |\n| **S_AL-P1-S030** | ASC, Financial Innovation and Market Expansion Act, Chapter 7B: [https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/](https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com) | Posted §§1–16; particularly §§2–5 and 8. Identifies Act 2026-354. | **A/R. Official statutory reproduction.** Stablecoin activity boundary; no ordinary debt-service authorization inferred. [Alabama Securities Commission](https://asc.alabama.gov/statute-2/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com) |\n| **S_AL-P1-S031** | Alabama Legislature, HB259 enrolled, 2026: [https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf?utm_source=chatgpt.com) | Printed pp. 1–9, relevant tail; §8-7B-3(b), p. 4; §8-7B-5, p. 8; Act §2, p. 20. | **A/R. Enrolled text paired with S030.** General effective date October 1, 2026; specified offer/sale restriction begins July 18, 2028. Implementation rules/provider availability not investigated. [alison.legislature.state.al.us+1](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf?utm_source=chatgpt.com) |\n\n## Applications, lookup, and administrative-rule evidence\n\n| Source ID | Title / issuer and direct literal URL | Pinpoint actually read or attempted | Access, status, and limitations |\n| --- | --- | --- | --- |\n| **S_AL-P1-S009** | ASC Monetary Transmission Filing Instructions: [https://asc.alabama.gov/for-industry/registration/monetary-transmission/](https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com) | Application requirements; “Initial Filing Fees”; renewal; submission instructions. | **A/R. Currently posted, undated instructions.** Exact exclusive intake channel not established. [Alabama Securities Commission](https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com) |\n| **S_AL-P1-S010** | ASC Form MT: [https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf](https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf?utm_source=chatgpt.com) | Seven-page form; p. 1 activities, p. 5 Obligor Agent Questionnaire, execution/material requirements. | **A/R. Application form.** Not a license grant; upload path is not an effective date. [asc.alabama.gov](https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S011** | ASC Form MTR: [https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf](https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf?utm_source=chatgpt.com) | Five-page renewal form, especially pp. 1–2. | **A/R.** No specified renewal dollar amount; fee-received field is blank. [asc.alabama.gov](https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S012** | Official administrative-code Chapter 830-X-7A: [https://admincode.legislature.state.al.us/administrative-code/830-X-7A](https://admincode.legislature.state.al.us/administrative-code/830-X-7A?utm_source=chatgpt.com) | Attempt to read current renewal-fee rule 830-X-7A-.09. | **A/X.** JavaScript-only response. Complete operative text, exact effectiveness and later amendments remain held. [admincode.legislature.state.al.us](https://admincode.legislature.state.al.us/administrative-code/830-X-7A?utm_source=chatgpt.com) |\n| **S_AL-P1-S013** | Alabama Administrative Monthly, October 2019 certified adopted rules: [https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf](https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf?utm_source=chatgpt.com) | Three-page listing; p. 3, item O: 830-X-7A-.09, filed October 4, 2019. | **A/R. Historical adoption-list evidence.** Does not reproduce the complete rule or prove current amount. [file.admincode.legislature.state.al.us](https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S014** | June 2019 proposed rule PDF: [https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf](https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf?utm_source=chatgpt.com) | PDF route opened; readable operative text not obtained. | **A/X. Proposal, not current rule.** No substantive rule amount derived from it. [file.admincode.legislature.state.al.us](https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S015** | Alabama State Bar, Attorney Licensing: [https://www.alabar.org/members/attorney-licensing/](https://www.alabar.org/members/attorney-licensing/?utm_source=chatgpt.com) | Membership Status, Occupational License, Special Membership. | **A/R. Currently posted operational guidance.** Establishes licensing distinctions, not any named lawyer’s status. [Alabama State Bar](https://www.alabar.org/members/attorney-licensing/?utm_source=chatgpt.com) |\n| **S_AL-P1-S016** | Alabama State Bar public member search: [https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx](https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com) | Actual search fields and page limitations. | **A/R. Lookup interface verified.** Practice areas self-reported; displayed discipline history begins January 2018. No named search performed. [members.alabar.org](https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com) |\n| **S_AL-P1-S017** | NMLS Licensing Checklists, Requirements, and Fees: [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com) | Current Alabama checklist retrieval attempted. | **A/X.** No readable checklist returned; title alone is discovery. [mortgage.nationwidelicensingsystem.org](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com) |\n| **S_AL-P1-S018** | NMLS Consumer Access: [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) | Public lookup retrieval attempted. | **A/X.** Returned 404 through the browsing route; no provider-status result. |\n| **S_AL-P1-S027** | Alabama Examiners of Public Accounts, ASC Sunset Report: [https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf](https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com) | September 27, 2023 report; printed p. 20/PDF p. 26, Monetary Transmission Act fee rows. | **A/R, relevant portions. Historical official report.** Reports $500 renewal; does not substitute for current rule text. [alison.legislature.state.al.us](https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S029** | ASC Statutes, Regulations, and Policy Statements index: [https://asc.alabama.gov/for-industry/statutes/](https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com) | Actual list identifying Chapter 7A, Chapter 7B, and administrative Chapter 830-X-7A. | **A/R, index only.** Discovery/navigation evidence, not operative permission or fee law. [Alabama Securities Commission](https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com) |\n\n## Federal common-context sources\n\n| Source ID | Title / issuer and direct literal URL | Exact pinpoint/version | Access, status, and limitations |\n| --- | --- | --- | --- |\n| **S_AL-P1-S021** | FTC Telemarketing Sales Rule, 16 CFR Part 310, eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com); [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | §§310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6(b)(3), (5)–(7). Displayed current through October 21, 2026. | **A/R. Federal operative compilation, eCFR labeled unofficial.** One Part 310 document ID reused. Not Alabama authorization. [ecfr.gov+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) |\n| **S_AL-P1-S022** | FTC 2010 final rule, 75 FR 48458: [https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com); HTML counterpart: [https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule](https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule?utm_source=chatgpt.com) | 48458 effective dates; 48489–48490 and notes 431–432, agreements, DMPs, installments and allocation. | **A/R, cited passages.** Advance-fee provision effective October 27, 2010. Adoption explanation read alongside current S021. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com) |\n| **S_AL-P1-S023** | FTC, Debt Relief Services and TSR Guide for Business: [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) | Who’s Covered; Collecting Fees; Requiring a Dedicated Account. | **A/R. Staff guidance, expressly nonbinding.** Relevant entity/account guidance only; not used to replace current regulation. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) |\n| **S_AL-P1-S024** | FTC, “What People Are Asking”: [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com) | October 2010; attorney coverage, face-to-face exemption, fee labels. | **A/R. Dated staff explanation.** Current operative clause separately verified. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com) |\n| **S_AL-P1-S025** | 26 U.S.C. §501, Office of the Law Revision Counsel: [https://uscode.house.gov/us/usc/119-120/t26/s501/](https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com) | Entire §501(q)(1)–(4); relevant effective-date note for Pub. L. 109-280 §1220. Compilation states laws through Pub. L. 119-120, October 7, 2026. | **A/R. Official federal statutory text.** Tax-exemption conditions, not Alabama licensing. Compilation currency is stated precisely; no later-currency certification claimed. [uscode.house.gov+1](https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com) |\n\n# C. Claim register\n\n“High” below means strong support for the stated proposition within the identified source and conditions. It does not certify an entire provider model or all later Alabama passes.\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness, and confidence limits |\n| --- | --- | --- | --- |\n| **S_AL-P1-C001** | Alabama reserves defined legal practice to properly licensed persons. Categories include compensated legal advice/document work, compensated rights-related representation, and specified vocational adjustment of defaulted, controverted, or disputed claims. | S001 §34-3-6(a), (b)(1)–(4); S003 Discussion | **High framework; qualified current codification.** Official 2026 standalone text retrieval remains open. |\n| **S_AL-P1-C002** | *Porter* permits peaceful collection of undisputed, uncontested delinquent accounts within its holding; it does not establish a general debtor-side settlement authorization. Rehearing deleted the categorical 5% follow-up-fee prohibition. | S002, 338 So. 2d at 813–816 | **High as to holding/modification.** Commercial creditor-side facts; modern-model application and complete subsequent history remain bounded. |\n| **S_AL-P1-C003** | Marketing label, absence of custody, and business-purpose debt do not independently remove the identified Alabama legal-practice issues. | S001 §34-3-6(b); S002; S003 | **Reasoned application.** Specific conduct and relationships control; not a categorical prohibition on all negotiation. |\n| **S_AL-P1-C004** | Section 34-3-6(c) preserves own-business/own-claim activity; subsection (e) addresses specified Bar-organized or recognized pro bono work. Neither creates a generic paid nonprofit service exemption. | S001 §34-3-6(c), (e) | **Qualified by S001 currency.** No conclusion about corporate court appearances or every affiliate/employee structure. |\n| **S_AL-P1-C005** | Receipt of money/value for transmission can trigger Chapter 7A; issuing/selling covered payment instruments or stored value is also included. Sole delivery/online/telecommunications/network services are excluded from that definition. | S005 §8-7A-2(10), (12); S028 printed p. 4 | **High text support.** Actual receipt/control/agency facts remain necessary. |\n| **S_AL-P1-C006** | Covered transmission business and related holding out require a Chapter 7A license or licensed-principal authorized-delegate status, absent an applicable exclusion/exemption. | S005 §5; S028 printed p. 8 | **High.** Authorization concerns transmission, not reserved legal practice. |\n| **S_AL-P1-C007** | Delegate arrangements require statutory compliance and principal controls; subdelegation is barred; acting for a principal required to be licensed but unlicensed is prohibited. | S005 §§11, 16; S028 printed pp. 17, 23 | **High.** An ordinary vendor relationship is not automatically authorized-delegate status. |\n| **S_AL-P1-C008** | Whole-chapter exclusions cover specified governments, postal transmission, government-benefit EFT contractors, designated-market/clearing activity, registered futures merchants acting as such, and qualifying banking categories. | S005 §3; bank definition §2(3) | **High text support.** Foreign/international bank conditions and activity limits matter; no blanket affiliate exclusion inferred. |\n| **S_AL-P1-C009** | Section 4 excludes specified clearing agencies, payment-system activity, broker-dealers acting as such, and qualifying government-payment contractors from §§5–15 only. Government contractors must satisfy all listed operational, notice, audit, segregation, and access conditions. | S028 printed pp. 6–8; S005 §4 | **High.** Partial statutory exemption is not whole-chapter exclusion. |\n| **S_AL-P1-C010** | No generic attorney or nonprofit exclusion appears in Chapter 7A §§3–4; exemption/definition-exception claims carry a statutory burden. | S005 §§3–4, 25 | **High within the read provisions.** Incidental lawyer-trust-account and particular institutional applications require further authority. |\n| **S_AL-P1-C011** | ASC licensing requires prescribed application information, applicable entity/foreign-registration evidence, security and fitness review. Section 8 contains a completeness-based 120-day decision/deemed-approval mechanism with good-cause extension authority. | S005 §§6–8, 10; S009–S010 | **High statutory framework.** Filing alone does not demonstrate satisfaction of that mechanism or current authorization. |\n| **S_AL-P1-C012** | Remote location is not an established blanket exemption. Out-of-state lawyer practice is subject to Rule 5.5’s conditions; the precise remote commercial-provider nexus remains unresolved. | S004 Rule 5.5, pp. 1–3; S005 §§2, 5–6 | **High lawyer rule; held broader application.** Resident status alone was not verified as the complete test. |\n| **S_AL-P1-C013** | Private-practice authority requires the relevant occupational licensing status; special membership/good standing alone is insufficient. A public Bar lookup interface exists. | S015 Membership Status; S016 search form | **High operational evidence.** No named lawyer cleared; lookup limitations apply. |\n| **S_AL-P1-C014** | A lawyer connection does not cure a nonlawyer-controlled legal-service business. Professional independence and fee-sharing restrictions apply. | S004 Rules 5.4–5.5; S019 pp. 2–5 | **High rules; historical illustration.** *Nelms* is not a current Chapter 7A ruling. |\n| **S_AL-P1-C015** | Lawyer fees cannot be clearly excessive; new-client fee basis/rate communication and written contingent-fee computation requirements apply. The read rule supplies no debt-specific numeric ceiling. | S004 Rule 1.5(a)–(c), pp. 1–2 | **High.** Other law can prohibit a contingent arrangement; no sample rate is deemed reasonable automatically. |\n| **S_AL-P1-C016** | General lawyer advance-payment permission is subject to refund of unearned amounts on termination and does not override an applicable federal advance-fee restriction. | S004 Rule 1.5 payment comment, p. 3; Rule 1.16(d), p. 2; S021 §310.4(a)(5) | **High combined reading.** No fixed Alabama refund deadline established here. |\n| **S_AL-P1-C017** | This pass did not verify Alabama consumer setup/monthly/settlement/per-debt/savings/aggregate caps or an indexing adjustment mechanism. | S004–S005 and source-access limits S012–S014 | **Bounded negative research result.** Not proof of unlimited fees, exhaustive absence, or advance-fee permission. |\n| **S_AL-P1-C018** | A qualifying §501(q) organization needs reasonable fees, inability-to-pay waiver policy, and restrictions on fees based partly or wholly on debt, DMP payments, or savings, except to the extent state law allows. | S025 §501(q)(1)(C) | **High through stated compilation currency.** Alabama permission for a proposed percentage fee remains held. |\n| **S_AL-P1-C019** | Section 501(q) also restricts DMP referral compensation and separate credit-repair fees. Qualifying §501(c)(3) organizations cannot solicit contributions during initial counseling/services, and generally face a 50% creditor-DMP-revenue ratio. | S025 §501(q)(1)(A)(iii)–(iv), (F), (2)(A)–(B) | **High federal tax condition.** The 50% figure is an organizational revenue ratio, not a consumer fee ceiling. |\n| **S_AL-P1-C020** | ASC currently posts initial charges of $500 filing plus $500 license, totaling $1,000; the filing charge is nonrefundable under §6(c). | S009 Initial Filing Fees; S005 §6(c) | **High as posted.** These are applicant charges; possible ancillary channel costs not established. |\n| **S_AL-P1-C021** | Licenses expire March 31; renewal fee is due by March 15, subject to statutory extension provisions. Statutory floor is $500. Exact current rule-fixed amount is held. | S005 §9; S011; S012–S014; S027 p. 20 | **High statute; unresolved rule.** Historical $500 table does not close current operative-rule verification. |\n| **S_AL-P1-C022** | ASC provides actual application/renewal instructions and forms; current NMLS checklist and usable transmitter lookup result were not obtained. | S009–S011, S017–S018 | **High access record; partial procedure.** No exclusive intake-channel or named-provider authorization conclusion. |\n| **S_AL-P1-C023** | The 2009 alert and 2010 licensing facts predate repeal/replacement of Sale of Checks law by Act 2017-389, effective August 1, 2017. | S006; S019–S020; S028 §§1, 5 | **High historical reconciliation.** Old licensing terminology is not a current independent debt-settlement license. |\n| **S_AL-P1-C024** | New §8-7A-28 took effect October 1, 2026 and concerns cryptocurrency kiosks; its special limits/refunds do not establish ordinary DMP fees. | S007 §1, §2; S008 | **High scoped conclusion.** Kiosk implementation is not fully investigated here. |\n| **S_AL-P1-C025** | The retrieved HB585 text is introduced legislation, not sufficient proof of an enacted transfer fee. | S026 cover/synopsis and proposed provisions | **High version classification; final status held.** No charge calculated from the proposal. |\n| **S_AL-P1-C026** | Federal debt relief includes represented alteration of unsecured debt terms, including interest/fee concessions; principal reduction is unnecessary. Telemarketing has its own telephone/interstate-campaign definition. | S021 §310.2(o), (ii) | **High federal rule.** Not every entirely online or other transaction is automatically covered. |\n| **S_AL-P1-C027** | Debt relief is excluded from certain general inbound exemptions; face-to-face relief requires the specified sequence; business-purchase calls retain an exemption from the fee clause while specified deception rules remain applicable. | S021 §310.6(b)(3), (5)–(7) | **High current text.** Actual transaction facts required; no categorical “all B2B outside TSR” claim. |\n| **S_AL-P1-C028** | Covered provider fees cannot be requested or received before qualifying debt alteration under a customer-executed agreement and the customer’s first qualifying payment. | S021 §310.4(a)(5)(i)(A)–(B) | **High.** State authority and remaining allocation requirements also necessary. |\n| **S_AL-P1-C029** | For individually altered debts, one permitted allocation uses that debt’s enrollment balance divided by total enrolled balances, applied to total fee. | S021 §310.4(a)(5)(i)(C)(1) | **High.** Allocation rule, not a numeric ceiling or permission to front-load the fee. |\n| **S_AL-P1-C030** | Alternatively, individually altered debts may use the same percentage of savings for each debt; the base uses enrollment balance minus amount paid to satisfy it. | S021 §310.4(a)(5)(i)(C)(2) | **High.** No particular percentage is approved; example assumes completed satisfaction. |\n| **S_AL-P1-C031** | FTC’s adoption explanation permits subsequent periodic DMP servicing fees after the specified binding-plan/first-payment conditions in the described simultaneous-concession structure. | S022, 75 FR 48489, note 431 | **High interpretation, limited facts.** No initial/setup fee before trigger; not an Alabama fee authorization. |\n| **S_AL-P1-C032** | A genuine creditor-approved installment arrangement differs from a provider’s unilateral fragmentation of a required lump sum. | S022, 75 FR 48489–48490, note 432 | **High interpretation.** Partial performance of a lump-sum requirement does not create the claimed trigger. |\n| **S_AL-P1-C033** | The dedicated-account exception requires consumer ownership, insured account, administrator independence, no prohibited referral compensation, and exit without penalty; remaining funds less compliant earned fees return within seven business days. | S021 §310.4(a)(5)(ii)(A)–(E) | **High.** Applies to the specified federal account arrangement, not all state refunds. |\n| **S_AL-P1-C034** | Attorney status and retainer/application/membership labels do not create a general TSR advance-fee exception. | S024 Who’s Covered and Fees; S021 | **High current-rule reading supported by dated guidance.** Actual coverage exemptions still matter. |\n| **S_AL-P1-C035** | FTC guidance distinguishes bona fide nonprofits from sham nonprofit operations; nonprofit tax status alone does not establish Alabama authorization. | S023 Who’s Covered; S005 §§3–4; S025 | **High distinction; entity-specific application.** FTC jurisdiction and Alabama permission are separate. |\n| **S_AL-P1-C036** | Source currency is incomplete at identified points: official current UPL codification, operative renewal rule, procedure reconciliation, and final HB585 disposition. | S001, S012–S018, S026 | **Verified research limitation.** No claim that these gaps were resolved by snippets or page dates. |\n| **S_AL-P1-C037** | Pure education must be distinguished from individualized legal representation, negotiation, and transmission; payment of a provider’s own service fee alone does not establish receipt for onward transmission. | S001 §34-3-6(b); S005 §2(10) | **Reasoned boundary.** Other activities or laws may change classification; no universal exemption declared. |\n| **S_AL-P1-C038** | Chapter 7B’s licensing relief is confined to its permitted stablecoin activities. General effectiveness is October 1, 2026; its specified offer/sale restriction starts July 18, 2028. | S030 §§3–5; S031 p. 4, p. 8, Act §2 p. 20 | **High text boundary.** No ordinary debt-service permission or operational issuer clearance inferred; implementation remains a later sector inquiry. |\n| **S_AL-P1-C039** | No general Alabama debt-service cancellation fee, universal credit formula, or ordinary nonlawyer refund deadline was established in this pass. | S004–S005; limitations in S012–S014 | **Bounded hold.** Lawyer unearned-fee and federal dedicated-account rules are separately verified; contract/remedies work remains open. |\n\n# D. Plain-text worked examples and coverage gaps\n\n## Worked examples\n\n### Example 1 — Classification hold before calculating a nonlawyer settlement fee\n\nInputs: Enrolled debt $12,000. Advertised fee 20% of enrolled debt. Operator proposes to give individualized legal advice and negotiate a disputed claim, but no authorized legal-services pathway has been established.\n\nBase and operator: $12,000 × 0.20.\n\nIntermediate and arithmetic result: $2,400.\n\nLegal result: **HOLD the proposed $2,400 charge and collection pathway.** Arithmetic does not establish authority to perform the service. Routing customer savings through an independent account does not answer the reserved-legal-activity issue.\n\nUnits/rounding: U.S. dollars; exact result, no rounding.\n\nThis is not a finding that Alabama has a “$0 statutory fee cap.” It is an authorization failure or unresolved classification. **C001–C003, C017.**\n\n### Example 2 — Genuine lawyer, earned work, and termination refund\n\nAssumptions: Properly authorized Alabama private-practice lawyer; genuine representation; no nonlawyer control; the retention is outside a covered TSR telemarketing transaction; fee complies with Rule 1.5; no expenses or other charges.\n\nInputs: Agreed rate $200/hour. Earned work 2.25 hours. Advance received $700.\n\nBase and operator: 2.25 hours × $200/hour = $450 earned fee.\n\nRefund calculation: $700 advance − $450 earned = **$250 unearned advance to return** on termination.\n\nUnits/rounding: Dollars; $450.00 earned and $250.00 refund, exact.\n\nThe $200 rate is a hypothetical input, not an approved rate or ceiling. If TSR applies, the premise allowing receipt of the advance must be reconsidered. **C013–C016, C028.**\n\n### Example 3 — Lower-balance debt resolved first; proportional federal allocation\n\nAssumptions: The fee and underlying Alabama service are otherwise lawful, the TSR applies, and the agreement/payment triggers have been satisfied for the small debt only.\n\nInputs: Total enrollment balances $10,000. Resolved debt’s enrollment balance $1,000. Hypothetical total contracted fee $2,000.\n\nBase and operator: $1,000 ÷ $10,000 = 0.10.\n\nAllocation: $2,000 × 0.10 = **$200 allocated to the resolved debt**.\n\nRemaining allocation: $2,000 − $200 = $1,800 attributable to other debts; resolving the small debt does not unlock that remainder.\n\nUnits/rounding: Dollars and dimensionless ratio; exact, no rounding.\n\nIf Alabama authority remains unresolved, collection remains on hold despite the $200 federal allocation calculation. **C028–C029.**\n\n### Example 4 — Previous lawful fee payment\n\nUse Example 3’s $200 allocation.\n\nAdditional input: $75 was previously collected lawfully, after that debt’s triggers were satisfied, toward the same allocation.\n\nCalculation: $200 − $75 = **$125 remaining**.\n\nUnits/rounding: Dollars; exact.\n\nA payment collected unlawfully in advance is not retroactively validated merely by subtracting it from a later fee. **C028–C029.**\n\n### Example 5 — Savings-based fee after completed settlement\n\nAssumptions: Otherwise lawful service and fee; applicable TSR conditions satisfied; creditor has been paid the full settlement amount; uniform hypothetical rate across debts.\n\nInputs: Enrollment balance $2,000. Amount actually paid to satisfy debt $1,200. Hypothetical savings fee 20%.\n\nSavings base: $2,000 − $1,200 = $800.\n\nFee operator/result: $800 × 0.20 = **$160**.\n\nUnits/rounding: Dollars; exact.\n\nA later $200 increase in the account balance does not change the enrollment input to $2,200. The 20% input is not an Alabama or federal statutory maximum. A qualifying nonprofit must separately clear §501(q)’s state-law condition. **C018, C028, C030.**\n\n### Example 6 — Partial payment and genuine installments\n\nInputs: Creditor’s actual agreement requires a $1,200 lump-sum settlement. Customer sends $100.\n\nCalculation: $100 ÷ $1,200 = 1/12, approximately 8.3333% of the required payment.\n\nResult: The provider cannot deem this the first of twelve self-created installments and use it to unlock a settlement fee.\n\nDifferent actual agreement: If the creditor genuinely agreed to twelve $100 installments, the first qualifying $100 payment can satisfy the federal payment element. It does not dispense with the agreement, allocation, state-authority, or other applicable conditions.\n\nUnits/rounding: Dollars; percentage displayed to four decimal places only for illustration.\n\nDo not calculate savings as $2,000 minus just the first $100 when the agreed satisfaction amount is $1,200. **C028, C030, C032.**\n\n### Example 7 — Dedicated-account cancellation\n\nAssumptions: Qualifying TSR account; current balance includes an earned but not yet withdrawn provider fee; no other charges assumed.\n\nInputs: Account balance $1,000. Compliant earned fee $200.\n\nCalculation: $1,000 − $200 = **$800 returned within seven business days after the request**.\n\nAlternative: If no fee was compliantly earned, $1,000 − $0 = **$1,000 returned**.\n\nUnits/rounding: Dollars; exact.\n\nAn unauthorized or prematurely charged fee cannot simply be labeled “earned” for this deduction. This example does not resolve every Alabama trust, contract, or restitution question. **C033, C039.**\n\n### Example 8 — Nonprofit percentage-fee hold\n\nInputs: Qualifying §501(q) organization proposes a monthly fee of 6% of a $200 DMP payment.\n\nBase and operator: $200 × 0.06 = $12.\n\nArithmetic result: $12 per month.\n\nLegal result: **HOLD clearance of the $12 percentage fee** because Alabama permission sufficient for §501(q)(1)(C)(iii) was not established. Neither nonprofit status nor a missing verified Alabama cap supplies that permission.\n\nUnits/rounding: Dollars per month; exact. The 6% is an illustrative proposal, not a statutory allowance. **C018.**\n\n### Example 9 — Regulator charge, kept separate from consumer fees\n\nInputs: Posted initial ASC filing charge $500; posted initial license charge $500.\n\nCalculation: $500 + $500 = **$1,000 initial state application charges**.\n\nUnits/rounding: Dollars per applicant; exact.\n\nThis does not authorize passing $1,000 to a consumer. Annual renewal is not calculated as a verified exact current amount because the operative rule remains unread. **C020–C021.**\n\n## Full component coverage and gap table\n\n| Component | Status | Claims | Exact missing evidence / next investigation |\n| --- | --- | --- | --- |\n| Conduct-based legal-practice classification | **Answered with currentness qualification** | C001–C004 | Obtain official current §34-3-6 and complete 2019–2026 amendment reconciliation. |\n| Official UPL source retrieval | **Unresolved** | C036 | [https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6](https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6&utm_source=chatgpt.com) returned navigation without operative text; legacy code and enrolled-2018 routes failed. Next: readable official codification and signed Act 2018-561, then later amendment check. |\n| Peaceful undisputed collection boundary | **Answered narrowly** | C002 | Apply *Porter* only within its actual holding; complete later-case treatment during the case-law pass. |\n| Modern debtor-side nonlawyer principal-reduction model | **Partial / hold** | C001–C003 | Locate directly applicable controlling decisions or published official interpretations addressing debtor-side representation, disputed/defaulted debt, and statutory privity. |\n| Concession-only DMP versus principal reduction | **Answered as classification distinction** | C003, C026, C031 | Model-specific legal-practice treatment remains necessary; principal repayment alone is not clearance. |\n| Custodial payment-distribution route | **Answered conditionally** | C005–C011 | Actual entity license/delegate evidence and fund-flow facts are needed for a provider-specific determination. |\n| Third-party account/noncustodial control | **Partial** | C005, C010, C012 | Examine actual receipt, withdrawal/instruction authority, contracts, and agency relationships; retrieve applicable published ASC interpretations. |\n| Consumer/business-purpose distinction | **Answered at statutory-boundary level** | C003, C005, C027 | Sector-specific commercial debt and other federal overlays remain later work. |\n| Resident/remote-provider nexus | **Partial / hold** | C012 | Obtain controlling territorial interpretation for remote negotiations and receipt/control of Alabama-related funds. |\n| Attorney authority and independence | **Answered conditionally** | C013–C016 | Provider-specific occupational status, disciplinary history, ownership/control and fee arrangements remain unexamined. |\n| Attorney custodial accounts under transmission law | **Unresolved application** | C010, C012 | Obtain directly applicable incidental-practice/trust-account interpretation; do not assume a categorical exemption. |\n| Nonprofit Alabama exemption | **Answered negatively within read exclusions** | C010, C035 | Any claimed additional statutory or entity-specific exemption requires its actual operative source. |\n| Federal nonprofit fee conditions | **Answered within source currency** | C018–C019 | Apply §501(q) to actual organization; establish Alabama permission before clearing percentage fees; check post-October 7 amendments if relying on a later currency date. |\n| Institutional exclusions / partial exemptions | **Answered at text level** | C008–C010 | Verify actual institution and activity against every condition; do not extend partner-bank status to a separate entity. |\n| Alabama consumer numerical fee caps and indexing | **Unresolved / expressly held** | C017 | Complete operative-rule and published-interpretation review before representing a cap or absence of cap. No CPI extrapolation. |\n| Renewal-fee operative rule | **Unresolved** | C021, C036 | S012 returned JavaScript-only content. Legacy route [http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf](http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf) and corresponding static-file attempts failed. Obtain current official non-API rule text and adoption/amendment history. |\n| Initial application procedure | **Answered as currently posted** | C011, C020, C022 | Reconcile ASC forms/mail instructions with the current official NMLS Alabama checklist. |\n| Exact current renewal amount | **Held** | C021 | Read the operative rule; historical $500 schedule and statutory minimum do not independently certify the current fixed charge. |\n| Public transmitter lookup | **Unresolved access** | C022 | S018 returned 404 through the research route. Retrieve a working public license/delegate record interface; no contact or filing is authorized by this report. |\n| Named provider authorization | **Not determined** | C022 | No named entity was cleared. A later provider check needs exact legal identity, relevant authorization, status, scope, and applicable orders. |\n| State fee timing and ordinary cancellation/refunds | **Partial** | C015–C017, C039 | Lawyer rules answered; complete nonlawyer contract, money-handling and remedy requirements in later passes. |\n| Federal TSR timing/allocation | **Answered as common context** | C026–C034 | Apply actual marketing, transaction, entity and account facts; does not establish state permission. |\n| Historical alert and fee-table reconciliation | **Answered** | C021, C023 | Do not carry old Sale of Checks terminology or dated regulator charges into current consumer-fee claims. |\n| 2026 kiosk amendment | **Boundary answered; sector implementation excluded** | C024 | New §28 included in currentness analysis; full kiosk compliance belongs to a triggered sector pass. |\n| HB585 final disposition | **Unresolved** | C025 | Retrieve official final 2026 regular-session bill history, certified journal, or disposition record. Introduced text remains proposed evidence. |\n| Stablecoin Chapter 7B | **Boundary answered; implementation excluded** | C038 | Restricted licensing relief is activity-specific; rules, federal interaction, and actual licensing availability require a sector pass if that model is proposed. |\n| Worked calculations | **Answered within explicit assumptions** | C015–C021, C028–C033 | No arithmetic example cures a missing state authorization or validates an unverified fee base. |\n| Agreements, funds, bonds, remedies | **Open for later required passes** | C011, C016, C033, C039 only where necessary here | Full agreement terms, disclosures, custody, segregation, permissible investments, bonding, enforcement, private remedies and restitution analysis. |\n| Collection, litigation, limitations, exemptions, secured debt | **Excluded from this component; remain required** | C002 only for classification boundary | Separate full collection/litigation, limitation-period, exemption, collateral and secured-debt investigations. |\n| Sector, local, tribal, contract, full case-law coverage | **Excluded from this component; remain required** | C024, C038 only for identified boundaries | Conduct those investigations individually; no implicit completion from this pass. |\n| Alabama / A066 acceptance | **Open** | All limitations above | No acceptance by implication; resolve material holds and complete remaining dossier passes. |\n\n# E. Researcher self-check\n\n**Actually read:** The identified operative provisions in ASC’s Chapter 7A reproduction; relevant portions of the original signed 2017 Act; the *Porter* opinion including rehearing; official Alabama professional rules and Bar materials; actual ASC application and renewal forms/instructions; relevant *Nelms* passages; the 2009 and 2017 official materials; the 2019 adoption listing; the dated official fee table; the 2026 kiosk amendment and confirmation; the stablecoin boundary provisions and effective-date clause; current TSR definition, fee, account and exemption provisions; relevant FTC adoption explanations; and the official §501(q) text.\n\n**Not successfully read or verified:** The current official standalone UPL codification, signed 2018 amendment, complete operative renewal-fee rule, current NMLS Alabama checklist, a usable transmitter lookup result, final official HB585 disposition, comprehensive later treatment of every cited case, and provider-specific authorization. The proposed-rule PDF was not promoted to an operative read. Search snippets, titles, index entries, company claims, and association charts were not used as legal permission or current fee evidence.\n\n**Status discipline:** Historical materials remain historical; introduced text remains proposed evidence; the October 1, 2026 laws are distinguished from the July 18, 2028 provision; webpage/upload dates are not legal effective dates. No unsupported stay, vacatur, withdrawal, or current-provider-status conclusion is made.\n\n**Research mode:** This work used regular-chat research with parallel internal research assignments, not Deep Research or newly opened independent ChatGPT conversations. I did not verify or switch the chatgpt.com model selector and therefore do not certify “actual GPT-6 Pro.” This is a researcher self-check, **not an independent review**.\n\n**END S_AL PASS-01.**\n\n","tables":[{"headers":["Actual business model","Classification and access conclusion for this pass","Conditions and failure cases","Claims"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actual business model","Classification and access conclusion for this pass","Conditions and failure cases","Claims"],["General budgeting or financial education, with no individualized legal advice, negotiation, or receipt of creditor-payment funds","No dedicated Alabama debt-service license was established merely for this description. Classification remains conditional on what the service actually does.","Adding advice about legal defenses, drafting settlement instruments, representing the customer, or distributing payments changes the analysis.","C001, C005, C037"],["Nonlawyer negotiating principal reductions on defaulted or disputed debts","Reserved legal activity is prohibited for an unauthorized nonlawyer. A generic debtor-side settlement business was not cleared by this investigation.","The particular activity, dispute status, representation, statutory relationship language, and controlling precedent must be applied. An independent savings account does not cure unauthorized legal work.","C001–C003, C012"],["DMP obtaining interest reductions, fee waivers, or payment concessions while generally repaying principal","Principal reduction is not the decisive boundary. Negotiation and payment distribution must each be classified.","A transmission license does not resolve whether the negotiation or legal-document component is reserved legal practice. Federal debt-relief coverage can include these concessions.","C003, C005–C006, C026, C031"],["Business receiving client money and distributing it to creditors","Covered transmission activity has an actual ASC licensing or authorized-delegate route, subject to applicable exclusions and conditions.","The enterprise must establish the relevant license/delegate status or prove its exemption. Its other services need separate authority.","C005–C011"],["Provider using a third-party account administrator","The provider’s actual receipt, control, instructions, agency relationships, and transmission functions require examination.","“Noncustodial” is not conclusive. A bank’s exclusion does not automatically extend to a separate service company.","C003, C005, C008–C010, C012"],["Properly authorized lawyer providing genuine legal representation","A conditional legal-services pathway exists.","Actual licensing, professional independence, fee rules, remote-practice restrictions, and any separate transmission obligations apply. A nominal lawyer relationship is insufficient.","C013–C016"],["Nonprofit counseling or DMP organization","Nonprofit incorporation supplies no blanket Alabama exemption identified here.","Reserved legal activity and transmission remain separate questions. A qualifying tax-exempt credit-counseling organization also faces federal conditions under §501(q).","C010, C018–C019, C035"],["Creditor negotiating its own claim or business","The own-business/own-claims language is relevant.","It does not automatically cover a separate affiliate, outside servicing company, or consumer representative. Corporate court representation is outside this pass.","C004"],["Bank or other institution claiming an exclusion","Potentially excluded or partially exempt only under the applicable statutory category and activity conditions.","“Financial institution,” “bank partner,” or “bank affiliate” is not a substitute for satisfying the actual provision.","C008–C010"],["Remote provider serving an Alabama customer","No blanket remote-provider safe harbor was established.","The precise resident/remote nexus, location of conduct, fund receipt/control, and lawyer-practice facts remain an application hold.","C012"]]},{"headers":["Fee or charge","Verified result","What remains held or conditional","Claims"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Fee or charge","Verified result","What remains held or conditional","Claims"],["Consumer setup/enrollment fee","No Alabama debt-service dollar ceiling established in the sources successfully read.","No advance-fee permission follows from that result; TSR may prohibit requesting it before performance.","C017, C028, C034"],["Consumer monthly DMP/service fee","No current Alabama dollar, per-creditor, or percentage schedule established.","Federal treatment of qualifying DMP servicing fees does not establish Alabama fee permission.","C017, C031"],["Settlement fee based on enrolled debt","No Alabama percentage or aggregate ceiling established.","Provider authority, contract validity, lawyer rules where applicable, and federal allocation/timing remain separate.","C015, C017, C029"],["Settlement fee based on savings","No Alabama savings-percentage ceiling established.","Federal savings allocation is conditional; qualifying nonprofits face an additional §501(q) restriction.","C017–C018, C030"],["Per-debt minimum, flat settlement fee, or aggregate minimum","No specific Alabama schedule established.","A minimum cannot evade a federal allocation requirement or qualitative lawyer-fee restriction.","C015, C017, C029–C030"],["Lawyer hourly, fixed, or contingent fee","Rule 1.5 prohibits clearly excessive fees; contingent terms must satisfy its written-agreement requirements and other applicable law.","No debt-specific numeric ceiling appears in the read rule.","C015"],["Lawyer advance and cancellation","The payment comment permits advances generally; Rule 1.16(d) requires return of unearned advances on termination.","Applicable TSR restrictions can prevent taking the advance. No universal Alabama refund-day count was established here.","C016, C028"],["Qualifying tax-exempt credit-counseling organization","§501(q) requires reasonable fees and a fee policy permitting inability-to-pay waivers. Percentage fees are restricted except to the extent state law allows.","This pass did not establish the Alabama permission necessary to clear a proposed percentage-based nonprofit fee.","C018"],["Nonprofit donations/referral funding","Additional §501(q) restrictions apply, including referral compensation and, for qualifying §501(c)(3) organizations, contribution solicitation and creditor-revenue conditions.","These are federal tax conditions, not Alabama consumer-fee caps or licensing exemptions.","C019"],["CPI/indexed debt-service amounts","No applicable Alabama indexing mechanism or current adjustment notice was verified.","No adjusted amount calculated or supplied.","C017"],["Initial ASC application charges","Currently posted instructions specify $500 filing + $500 license = $1,000.","Provider-to-regulator charges, not consumer fees.","C020"],["Annual ASC renewal","Statute establishes a $500 minimum.","Exact current operative rule amount remains held; the complete rule was not successfully read.","C021"]]},{"headers":["Source ID","Title / issuer and direct literal URL","Pinpoint actually read; version and legal status","Access, jurisdiction, and limitations"],"index":2,"links":[{"href":"https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/"},{"href":"https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html"},{"href":"https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/?utm_source=chatgpt.com","text":"https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/"},{"href":"https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/?utm_source=chatgpt.com","text":"Alabama State 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Securities 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Secretary of State\n+3"}],[{"href":"https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com","text":"https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/"},{"href":"https://asc.alabama.gov/statute-2/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com","text":"Alabama Securities Commission"}],[{"href":"https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf?utm_source=chatgpt.com","text":"https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf"},{"href":"https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf?utm_source=chatgpt.com","text":"alison.legislature.state.al.us\n+1"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Pinpoint actually read; version and legal status","Access, jurisdiction, and limitations"],["S_AL-P1-S001","Ala. Code §34-3-6, reproduced by Justia: https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/","Entire (a)–(e); labeled 2025 Code; history cites Act 2018-561.","A/R. Alabama; unofficial reproduction. Official current codification not successfully read. \nlaw.justia.com"],["S_AL-P1-S002","State ex rel. Porter v. Alabama Association of Credit Executives, Alabama Supreme Court: https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html","338 So. 2d 812, 813–816; July 16, 1976 opinion and September 10 rehearing modification.","A/R. Alabama controlling-court opinion reproduced by Justia. Creditor-side facts; comprehensive subsequent-history certification not obtained. \nlaw.justia.com"],["S_AL-P1-S003","Alabama State Bar Formal Opinion 2013-01, “Prosecuting a BP Claim”: https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/","Discussion quoting practice-of-law categories and addressing professional assistance/fee sharing.","A/R. Official ethical interpretation, 2013. BP-claim context; not a debt-settlement adjudication. Page contains a statutory-number typo; correct provision is §34-3-6. \nAlabama State Bar"],["S_AL-P1-S004","Alabama Rules of Professional Conduct, Alabama Judicial System: https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf; https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf; https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf; https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf","Rule 1.5(a)–(f), pp. 1–2, payment comment p. 3; Rule 1.16(d), p. 2; Rule 5.4(a)–(d), p. 1; Rule 5.5 and comments, pp. 1–3.","A/R. Official currently posted court-rule texts. Rule 5.5 states September 19, 2006 amendment effectiveness. Other webpage/upload dates are not treated as effective dates. One rulebook ID reused across provisions. \ncond1_5\n+3"],["S_AL-P1-S005","Alabama Monetary Transmission Act, ASC reproduction: https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/","Posted §§8-7A-1–27; especially §§2–11, 16, 21(c), 25–27.","A/R. Official agency statutory reproduction. Omits new §28; not accepted as a complete 2026 chapter compilation. \nAlabama Securities Commission"],["S_AL-P1-S006","ASC, August 16, 2017 implementation release: https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf","Both pages; p. 1 replacement law, August 1 effectiveness, and debt-management receipt/distribution example.","A/R. Historical official implementation explanation. Supports transition and activity classification, not named authorization. \nasc.alabama.gov"],["S_AL-P1-S007","Alabama Legislature, HB303 enrolled, 2026 regular session: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf","§1 adding §8-7A-28; definitions, transaction/refund scope; §2, printed p. 10, effective October 1, 2026.","A/R. Enrolled statutory text; enactment/in-force treatment corroborated by S008. Kiosk-specific boundary. \nalison.legislature.state.al.us"],["S_AL-P1-S008","ASC, Cryptocurrency Kiosk Fraud Prevention Act announcement: https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf","Both pages; October 1, 2026 implementation statement.","A/R. Official 2026 operational confirmation. Does not replace S007’s text. \nasc.alabama.gov"],["S_AL-P1-S019","In re Keith A. Nelms, Bankr. M.D. Ala., No. 10-30430-WRS, Doc. 72: https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf","July 6, 2010 memorandum; relevant factual/legal discussion pp. 2–5, within pp. 1–9 read.","A/R. Primary federal trial-court document; historical Alabama debt-operation facts. Underlying state injunction not separately read; former licensing law applies to its facts. \ngovinfo.gov"],["S_AL-P1-S020","ASC, “Beware of Questionable Debt Management Programs”: https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf","Entire one-page alert, issued May 11, 2009.","A/R. Historical consumer alert. No consumer fee schedule; predates 2017 replacement. \nasc.alabama.gov"],["S_AL-P1-S026","Alabama Legislature, HB585 introduced, 2026: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf","Introduced cover/synopsis and proposed international-transfer/reporting provisions.","A/R, proposed version. Final official disposition unresolved; no proposed charge treated as law. \nalison.legislature.state.al.us"],["S_AL-P1-S028","Act 2017-389, signed-act archive, Alabama Secretary of State: https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf; record: https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017","Act §1 repeal; §2, especially printed pp. 2–17; §§25–27 tail; Act §5, printed p. 32. Record states approval May 26, 2017.","A/R. Original enacted law. Effective August 1, 2017, corroborated by S006. Later changes must be added separately. \nAlabama Secretary of State\n+3"],["S_AL-P1-S030","ASC, Financial Innovation and Market Expansion Act, Chapter 7B: https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/","Posted §§1–16; particularly §§2–5 and 8. Identifies Act 2026-354.","A/R. Official statutory reproduction. Stablecoin activity boundary; no ordinary debt-service authorization inferred. \nAlabama Securities Commission"],["S_AL-P1-S031","Alabama Legislature, HB259 enrolled, 2026: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf","Printed pp. 1–9, relevant tail; §8-7B-3(b), p. 4; §8-7B-5, p. 8; Act §2, p. 20.","A/R. Enrolled text paired with S030. General effective date October 1, 2026; specified offer/sale restriction begins July 18, 2028. 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Bar"},{"href":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com","text":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx"},{"href":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com","text":"members.alabar.org"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"mortgage.nationwidelicensingsystem.org"},{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com","text":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf"},{"href":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com","text":"alison.legislature.state.al.us"},{"href":"https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com","text":"https://asc.alabama.gov/for-industry/statutes/"},{"href":"https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com","text":"Alabama Securities Commission"}],"row_links":[[],[{"href":"https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com","text":"https://asc.alabama.gov/for-industry/registration/monetary-transmission/"},{"href":"https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com","text":"Alabama Securities Commission"}],[{"href":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf?utm_source=chatgpt.com","text":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf"},{"href":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf?utm_source=chatgpt.com","text":"asc.alabama.gov"}],[{"href":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf?utm_source=chatgpt.com","text":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf"},{"href":"https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf?utm_source=chatgpt.com","text":"asc.alabama.gov"}],[{"href":"https://admincode.legislature.state.al.us/administrative-code/830-X-7A?utm_source=chatgpt.com","text":"https://admincode.legislature.state.al.us/administrative-code/830-X-7A"},{"href":"https://admincode.legislature.state.al.us/administrative-code/830-X-7A?utm_source=chatgpt.com","text":"admincode.legislature.state.al.us"}],[{"href":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf?utm_source=chatgpt.com","text":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf"},{"href":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf?utm_source=chatgpt.com","text":"file.admincode.legislature.state.al.us"}],[{"href":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf?utm_source=chatgpt.com","text":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf"},{"href":"https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf?utm_source=chatgpt.com","text":"file.admincode.legislature.state.al.us"}],[{"href":"https://www.alabar.org/members/attorney-licensing/?utm_source=chatgpt.com","text":"https://www.alabar.org/members/attorney-licensing/"},{"href":"https://www.alabar.org/members/attorney-licensing/?utm_source=chatgpt.com","text":"Alabama State Bar"}],[{"href":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com","text":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx"},{"href":"https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com","text":"members.alabar.org"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com","text":"mortgage.nationwidelicensingsystem.org"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"}],[{"href":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com","text":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf"},{"href":"https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com","text":"alison.legislature.state.al.us"}],[{"href":"https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com","text":"https://asc.alabama.gov/for-industry/statutes/"},{"href":"https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com","text":"Alabama Securities Commission"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Pinpoint actually read or attempted","Access, status, and limitations"],["S_AL-P1-S009","ASC Monetary Transmission Filing Instructions: https://asc.alabama.gov/for-industry/registration/monetary-transmission/","Application requirements; “Initial Filing Fees”; renewal; submission instructions.","A/R. Currently posted, undated instructions. Exact exclusive intake channel not established. \nAlabama Securities Commission"],["S_AL-P1-S010","ASC Form MT: https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf","Seven-page form; p. 1 activities, p. 5 Obligor Agent Questionnaire, execution/material requirements.","A/R. Application form. Not a license grant; upload path is not an effective date. \nasc.alabama.gov"],["S_AL-P1-S011","ASC Form MTR: https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf","Five-page renewal form, especially pp. 1–2.","A/R. No specified renewal dollar amount; fee-received field is blank. \nasc.alabama.gov"],["S_AL-P1-S012","Official administrative-code Chapter 830-X-7A: https://admincode.legislature.state.al.us/administrative-code/830-X-7A","Attempt to read current renewal-fee rule 830-X-7A-.09.","A/X. JavaScript-only response. Complete operative text, exact effectiveness and later amendments remain held. \nadmincode.legislature.state.al.us"],["S_AL-P1-S013","Alabama Administrative Monthly, October 2019 certified adopted rules: https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf","Three-page listing; p. 3, item O: 830-X-7A-.09, filed October 4, 2019.","A/R. Historical adoption-list evidence. Does not reproduce the complete rule or prove current amount. \nfile.admincode.legislature.state.al.us"],["S_AL-P1-S014","June 2019 proposed rule PDF: https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf","PDF route opened; readable operative text not obtained.","A/X. Proposal, not current rule. No substantive rule amount derived from it. \nfile.admincode.legislature.state.al.us"],["S_AL-P1-S015","Alabama State Bar, Attorney Licensing: https://www.alabar.org/members/attorney-licensing/","Membership Status, Occupational License, Special Membership.","A/R. Currently posted operational guidance. Establishes licensing distinctions, not any named lawyer’s status. \nAlabama State Bar"],["S_AL-P1-S016","Alabama State Bar public member search: https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx","Actual search fields and page limitations.","A/R. Lookup interface verified. Practice areas self-reported; displayed discipline history begins January 2018. No named search performed. \nmembers.alabar.org"],["S_AL-P1-S017","NMLS Licensing Checklists, Requirements, and Fees: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Current Alabama checklist retrieval attempted.","A/X. No readable checklist returned; title alone is discovery. \nmortgage.nationwidelicensingsystem.org"],["S_AL-P1-S018","NMLS Consumer Access: https://www.nmlsconsumeraccess.org/","Public lookup retrieval attempted.","A/X. Returned 404 through the browsing route; no provider-status result."],["S_AL-P1-S027","Alabama Examiners of Public Accounts, ASC Sunset Report: https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf","September 27, 2023 report; printed p. 20/PDF p. 26, Monetary Transmission Act fee rows.","A/R, relevant portions. Historical official report. Reports $500 renewal; does not substitute for current rule text. \nalison.legislature.state.al.us"],["S_AL-P1-S029","ASC Statutes, Regulations, and Policy Statements index: https://asc.alabama.gov/for-industry/statutes/","Actual list identifying Chapter 7A, Chapter 7B, and administrative Chapter 830-X-7A.","A/R, index only. Discovery/navigation evidence, not operative permission or fee law. \nAlabama Securities Commission"]]},{"headers":["Source ID","Title / issuer and direct literal URL","Exact pinpoint/version","Access, status, and limitations"],"index":4,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf"},{"href":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"Federal Trade Commission"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com","text":"Federal Trade Commission"},{"href":"https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t26/s501/"},{"href":"https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf"},{"href":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule"},{"href":"https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"Federal Trade Commission"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com","text":"Federal Trade Commission"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t26/s501/"},{"href":"https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com","text":"uscode.house.gov\n+1"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Exact pinpoint/version","Access, status, and limitations"],["S_AL-P1-S021","FTC Telemarketing Sales Rule, 16 CFR Part 310, eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","§§310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6(b)(3), (5)–(7). Displayed current through October 21, 2026.","A/R. Federal operative compilation, eCFR labeled unofficial. One Part 310 document ID reused. Not Alabama authorization. \necfr.gov\n+2"],["S_AL-P1-S022","FTC 2010 final rule, 75 FR 48458: https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf; HTML counterpart: https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","48458 effective dates; 48489–48490 and notes 431–432, agreements, DMPs, installments and allocation.","A/R, cited passages. Advance-fee provision effective October 27, 2010. Adoption explanation read alongside current S021. \ngovinfo.gov\n+2"],["S_AL-P1-S023","FTC, Debt Relief Services and TSR Guide for Business: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Who’s Covered; Collecting Fees; Requiring a Dedicated Account.","A/R. Staff guidance, expressly nonbinding. Relevant entity/account guidance only; not used to replace current regulation. \nFederal Trade Commission"],["S_AL-P1-S024","FTC, “What People Are Asking”: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking","October 2010; attorney coverage, face-to-face exemption, fee labels.","A/R. Dated staff explanation. Current operative clause separately verified. \nFederal Trade Commission"],["S_AL-P1-S025","26 U.S.C. §501, Office of the Law Revision Counsel: https://uscode.house.gov/us/usc/119-120/t26/s501/","Entire §501(q)(1)–(4); relevant effective-date note for Pub. L. 109-280 §1220. Compilation states laws through Pub. L. 119-120, October 7, 2026.","A/R. Official federal statutory text. Tax-exemption conditions, not Alabama licensing. Compilation currency is stated precisely; no later-currency certification claimed. \nuscode.house.gov\n+1"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, and confidence limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, and confidence limits"],["S_AL-P1-C001","Alabama reserves defined legal practice to properly licensed persons. Categories include compensated legal advice/document work, compensated rights-related representation, and specified vocational adjustment of defaulted, controverted, or disputed claims.","S001 §34-3-6(a), (b)(1)–(4); S003 Discussion","High framework; qualified current codification. Official 2026 standalone text retrieval remains open."],["S_AL-P1-C002","Porter permits peaceful collection of undisputed, uncontested delinquent accounts within its holding; it does not establish a general debtor-side settlement authorization. Rehearing deleted the categorical 5% follow-up-fee prohibition.","S002, 338 So. 2d at 813–816","High as to holding/modification. Commercial creditor-side facts; modern-model application and complete subsequent history remain bounded."],["S_AL-P1-C003","Marketing label, absence of custody, and business-purpose debt do not independently remove the identified Alabama legal-practice issues.","S001 §34-3-6(b); S002; S003","Reasoned application. Specific conduct and relationships control; not a categorical prohibition on all negotiation."],["S_AL-P1-C004","Section 34-3-6(c) preserves own-business/own-claim activity; subsection (e) addresses specified Bar-organized or recognized pro bono work. Neither creates a generic paid nonprofit service exemption.","S001 §34-3-6(c), (e)","Qualified by S001 currency. No conclusion about corporate court appearances or every affiliate/employee structure."],["S_AL-P1-C005","Receipt of money/value for transmission can trigger Chapter 7A; issuing/selling covered payment instruments or stored value is also included. Sole delivery/online/telecommunications/network services are excluded from that definition.","S005 §8-7A-2(10), (12); S028 printed p. 4","High text support. Actual receipt/control/agency facts remain necessary."],["S_AL-P1-C006","Covered transmission business and related holding out require a Chapter 7A license or licensed-principal authorized-delegate status, absent an applicable exclusion/exemption.","S005 §5; S028 printed p. 8","High. Authorization concerns transmission, not reserved legal practice."],["S_AL-P1-C007","Delegate arrangements require statutory compliance and principal controls; subdelegation is barred; acting for a principal required to be licensed but unlicensed is prohibited.","S005 §§11, 16; S028 printed pp. 17, 23","High. An ordinary vendor relationship is not automatically authorized-delegate status."],["S_AL-P1-C008","Whole-chapter exclusions cover specified governments, postal transmission, government-benefit EFT contractors, designated-market/clearing activity, registered futures merchants acting as such, and qualifying banking categories.","S005 §3; bank definition §2(3)","High text support. Foreign/international bank conditions and activity limits matter; no blanket affiliate exclusion inferred."],["S_AL-P1-C009","Section 4 excludes specified clearing agencies, payment-system activity, broker-dealers acting as such, and qualifying government-payment contractors from §§5–15 only. Government contractors must satisfy all listed operational, notice, audit, segregation, and access conditions.","S028 printed pp. 6–8; S005 §4","High. Partial statutory exemption is not whole-chapter exclusion."],["S_AL-P1-C010","No generic attorney or nonprofit exclusion appears in Chapter 7A §§3–4; exemption/definition-exception claims carry a statutory burden.","S005 §§3–4, 25","High within the read provisions. Incidental lawyer-trust-account and particular institutional applications require further authority."],["S_AL-P1-C011","ASC licensing requires prescribed application information, applicable entity/foreign-registration evidence, security and fitness review. Section 8 contains a completeness-based 120-day decision/deemed-approval mechanism with good-cause extension authority.","S005 §§6–8, 10; S009–S010","High statutory framework. Filing alone does not demonstrate satisfaction of that mechanism or current authorization."],["S_AL-P1-C012","Remote location is not an established blanket exemption. Out-of-state lawyer practice is subject to Rule 5.5’s conditions; the precise remote commercial-provider nexus remains unresolved.","S004 Rule 5.5, pp. 1–3; S005 §§2, 5–6","High lawyer rule; held broader application. Resident status alone was not verified as the complete test."],["S_AL-P1-C013","Private-practice authority requires the relevant occupational licensing status; special membership/good standing alone is insufficient. A public Bar lookup interface exists.","S015 Membership Status; S016 search form","High operational evidence. No named lawyer cleared; lookup limitations apply."],["S_AL-P1-C014","A lawyer connection does not cure a nonlawyer-controlled legal-service business. Professional independence and fee-sharing restrictions apply.","S004 Rules 5.4–5.5; S019 pp. 2–5","High rules; historical illustration. Nelms is not a current Chapter 7A ruling."],["S_AL-P1-C015","Lawyer fees cannot be clearly excessive; new-client fee basis/rate communication and written contingent-fee computation requirements apply. The read rule supplies no debt-specific numeric ceiling.","S004 Rule 1.5(a)–(c), pp. 1–2","High. Other law can prohibit a contingent arrangement; no sample rate is deemed reasonable automatically."],["S_AL-P1-C016","General lawyer advance-payment permission is subject to refund of unearned amounts on termination and does not override an applicable federal advance-fee restriction.","S004 Rule 1.5 payment comment, p. 3; Rule 1.16(d), p. 2; S021 §310.4(a)(5)","High combined reading. No fixed Alabama refund deadline established here."],["S_AL-P1-C017","This pass did not verify Alabama consumer setup/monthly/settlement/per-debt/savings/aggregate caps or an indexing adjustment mechanism.","S004–S005 and source-access limits S012–S014","Bounded negative research result. Not proof of unlimited fees, exhaustive absence, or advance-fee permission."],["S_AL-P1-C018","A qualifying §501(q) organization needs reasonable fees, inability-to-pay waiver policy, and restrictions on fees based partly or wholly on debt, DMP payments, or savings, except to the extent state law allows.","S025 §501(q)(1)(C)","High through stated compilation currency. Alabama permission for a proposed percentage fee remains held."],["S_AL-P1-C019","Section 501(q) also restricts DMP referral compensation and separate credit-repair fees. Qualifying §501(c)(3) organizations cannot solicit contributions during initial counseling/services, and generally face a 50% creditor-DMP-revenue ratio.","S025 §501(q)(1)(A)(iii)–(iv), (F), (2)(A)–(B)","High federal tax condition. The 50% figure is an organizational revenue ratio, not a consumer fee ceiling."],["S_AL-P1-C020","ASC currently posts initial charges of $500 filing plus $500 license, totaling $1,000; the filing charge is nonrefundable under §6(c).","S009 Initial Filing Fees; S005 §6(c)","High as posted. These are applicant charges; possible ancillary channel costs not established."],["S_AL-P1-C021","Licenses expire March 31; renewal fee is due by March 15, subject to statutory extension provisions. Statutory floor is $500. Exact current rule-fixed amount is held.","S005 §9; S011; S012–S014; S027 p. 20","High statute; unresolved rule. Historical $500 table does not close current operative-rule verification."],["S_AL-P1-C022","ASC provides actual application/renewal instructions and forms; current NMLS checklist and usable transmitter lookup result were not obtained.","S009–S011, S017–S018","High access record; partial procedure. No exclusive intake-channel or named-provider authorization conclusion."],["S_AL-P1-C023","The 2009 alert and 2010 licensing facts predate repeal/replacement of Sale of Checks law by Act 2017-389, effective August 1, 2017.","S006; S019–S020; S028 §§1, 5","High historical reconciliation. Old licensing terminology is not a current independent debt-settlement license."],["S_AL-P1-C024","New §8-7A-28 took effect October 1, 2026 and concerns cryptocurrency kiosks; its special limits/refunds do not establish ordinary DMP fees.","S007 §1, §2; S008","High scoped conclusion. Kiosk implementation is not fully investigated here."],["S_AL-P1-C025","The retrieved HB585 text is introduced legislation, not sufficient proof of an enacted transfer fee.","S026 cover/synopsis and proposed provisions","High version classification; final status held. No charge calculated from the proposal."],["S_AL-P1-C026","Federal debt relief includes represented alteration of unsecured debt terms, including interest/fee concessions; principal reduction is unnecessary. Telemarketing has its own telephone/interstate-campaign definition.","S021 §310.2(o), (ii)","High federal rule. Not every entirely online or other transaction is automatically covered."],["S_AL-P1-C027","Debt relief is excluded from certain general inbound exemptions; face-to-face relief requires the specified sequence; business-purchase calls retain an exemption from the fee clause while specified deception rules remain applicable.","S021 §310.6(b)(3), (5)–(7)","High current text. Actual transaction facts required; no categorical “all B2B outside TSR” claim."],["S_AL-P1-C028","Covered provider fees cannot be requested or received before qualifying debt alteration under a customer-executed agreement and the customer’s first qualifying payment.","S021 §310.4(a)(5)(i)(A)–(B)","High. State authority and remaining allocation requirements also necessary."],["S_AL-P1-C029","For individually altered debts, one permitted allocation uses that debt’s enrollment balance divided by total enrolled balances, applied to total fee.","S021 §310.4(a)(5)(i)(C)(1)","High. Allocation rule, not a numeric ceiling or permission to front-load the fee."],["S_AL-P1-C030","Alternatively, individually altered debts may use the same percentage of savings for each debt; the base uses enrollment balance minus amount paid to satisfy it.","S021 §310.4(a)(5)(i)(C)(2)","High. No particular percentage is approved; example assumes completed satisfaction."],["S_AL-P1-C031","FTC’s adoption explanation permits subsequent periodic DMP servicing fees after the specified binding-plan/first-payment conditions in the described simultaneous-concession structure.","S022, 75 FR 48489, note 431","High interpretation, limited facts. No initial/setup fee before trigger; not an Alabama fee authorization."],["S_AL-P1-C032","A genuine creditor-approved installment arrangement differs from a provider’s unilateral fragmentation of a required lump sum.","S022, 75 FR 48489–48490, note 432","High interpretation. Partial performance of a lump-sum requirement does not create the claimed trigger."],["S_AL-P1-C033","The dedicated-account exception requires consumer ownership, insured account, administrator independence, no prohibited referral compensation, and exit without penalty; remaining funds less compliant earned fees return within seven business days.","S021 §310.4(a)(5)(ii)(A)–(E)","High. Applies to the specified federal account arrangement, not all state refunds."],["S_AL-P1-C034","Attorney status and retainer/application/membership labels do not create a general TSR advance-fee exception.","S024 Who’s Covered and Fees; S021","High current-rule reading supported by dated guidance. Actual coverage exemptions still matter."],["S_AL-P1-C035","FTC guidance distinguishes bona fide nonprofits from sham nonprofit operations; nonprofit tax status alone does not establish Alabama authorization.","S023 Who’s Covered; S005 §§3–4; S025","High distinction; entity-specific application. FTC jurisdiction and Alabama permission are separate."],["S_AL-P1-C036","Source currency is incomplete at identified points: official current UPL codification, operative renewal rule, procedure reconciliation, and final HB585 disposition.","S001, S012–S018, S026","Verified research limitation. No claim that these gaps were resolved by snippets or page dates."],["S_AL-P1-C037","Pure education must be distinguished from individualized legal representation, negotiation, and transmission; payment of a provider’s own service fee alone does not establish receipt for onward transmission.","S001 §34-3-6(b); S005 §2(10)","Reasoned boundary. Other activities or laws may change classification; no universal exemption declared."],["S_AL-P1-C038","Chapter 7B’s licensing relief is confined to its permitted stablecoin activities. General effectiveness is October 1, 2026; its specified offer/sale restriction starts July 18, 2028.","S030 §§3–5; S031 p. 4, p. 8, Act §2 p. 20","High text boundary. No ordinary debt-service permission or operational issuer clearance inferred; implementation remains a later sector inquiry."],["S_AL-P1-C039","No general Alabama debt-service cancellation fee, universal credit formula, or ordinary nonlawyer refund deadline was established in this pass.","S004–S005; limitations in S012–S014","Bounded hold. Lawyer unearned-fee and federal dedicated-account rules are separately verified; contract/remedies work remains open."]]},{"headers":["Component","Status","Claims","Exact missing evidence / next investigation"],"index":6,"links":[{"href":"https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6&utm_source=chatgpt.com","text":"https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6"},{"href":"http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf","text":"http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf"}],"row_links":[[],[],[{"href":"https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6&utm_source=chatgpt.com","text":"https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6"}],[],[],[],[],[],[],[],[],[],[],[],[],[],[{"href":"http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf","text":"http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf"}],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claims","Exact missing evidence / next investigation"],["Conduct-based legal-practice classification","Answered with currentness qualification","C001–C004","Obtain official current §34-3-6 and complete 2019–2026 amendment reconciliation."],["Official UPL source retrieval","Unresolved","C036","https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6 returned navigation without operative text; legacy code and enrolled-2018 routes failed. Next: readable official codification and signed Act 2018-561, then later amendment check."],["Peaceful undisputed collection boundary","Answered narrowly","C002","Apply Porter only within its actual holding; complete later-case treatment during the case-law pass."],["Modern debtor-side nonlawyer principal-reduction model","Partial / hold","C001–C003","Locate directly applicable controlling decisions or published official interpretations addressing debtor-side representation, disputed/defaulted debt, and statutory privity."],["Concession-only DMP versus principal reduction","Answered as classification distinction","C003, C026, C031","Model-specific legal-practice treatment remains necessary; principal repayment alone is not clearance."],["Custodial payment-distribution route","Answered conditionally","C005–C011","Actual entity license/delegate evidence and fund-flow facts are needed for a provider-specific determination."],["Third-party account/noncustodial control","Partial","C005, C010, C012","Examine actual receipt, withdrawal/instruction authority, contracts, and agency relationships; retrieve applicable published ASC interpretations."],["Consumer/business-purpose distinction","Answered at statutory-boundary level","C003, C005, C027","Sector-specific commercial debt and other federal overlays remain later work."],["Resident/remote-provider nexus","Partial / hold","C012","Obtain controlling territorial interpretation for remote negotiations and receipt/control of Alabama-related funds."],["Attorney authority and independence","Answered conditionally","C013–C016","Provider-specific occupational status, disciplinary history, ownership/control and fee arrangements remain unexamined."],["Attorney custodial accounts under transmission law","Unresolved application","C010, C012","Obtain directly applicable incidental-practice/trust-account interpretation; do not assume a categorical exemption."],["Nonprofit Alabama exemption","Answered negatively within read exclusions","C010, C035","Any claimed additional statutory or entity-specific exemption requires its actual operative source."],["Federal nonprofit fee conditions","Answered within source currency","C018–C019","Apply §501(q) to actual organization; establish Alabama permission before clearing percentage fees; check post-October 7 amendments if relying on a later currency date."],["Institutional exclusions / partial exemptions","Answered at text level","C008–C010","Verify actual institution and activity against every condition; do not extend partner-bank status to a separate entity."],["Alabama consumer numerical fee caps and indexing","Unresolved / expressly held","C017","Complete operative-rule and published-interpretation review before representing a cap or absence of cap. No CPI extrapolation."],["Renewal-fee operative rule","Unresolved","C021, C036","S012 returned JavaScript-only content. Legacy route http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf and corresponding static-file attempts failed. Obtain current official non-API rule text and adoption/amendment history."],["Initial application procedure","Answered as currently posted","C011, C020, C022","Reconcile ASC forms/mail instructions with the current official NMLS Alabama checklist."],["Exact current renewal amount","Held","C021","Read the operative rule; historical $500 schedule and statutory minimum do not independently certify the current fixed charge."],["Public transmitter lookup","Unresolved access","C022","S018 returned 404 through the research route. Retrieve a working public license/delegate record interface; no contact or filing is authorized by this report."],["Named provider authorization","Not determined","C022","No named entity was cleared. A later provider check needs exact legal identity, relevant authorization, status, scope, and applicable orders."],["State fee timing and ordinary cancellation/refunds","Partial","C015–C017, C039","Lawyer rules answered; complete nonlawyer contract, money-handling and remedy requirements in later passes."],["Federal TSR timing/allocation","Answered as common context","C026–C034","Apply actual marketing, transaction, entity and account facts; does not establish state permission."],["Historical alert and fee-table reconciliation","Answered","C021, C023","Do not carry old Sale of Checks terminology or dated regulator charges into current consumer-fee claims."],["2026 kiosk amendment","Boundary answered; sector implementation excluded","C024","New §28 included in currentness analysis; full kiosk compliance belongs to a triggered sector pass."],["HB585 final disposition","Unresolved","C025","Retrieve official final 2026 regular-session bill history, certified journal, or disposition record. Introduced text remains proposed evidence."],["Stablecoin Chapter 7B","Boundary answered; implementation excluded","C038","Restricted licensing relief is activity-specific; rules, federal interaction, and actual licensing availability require a sector pass if that model is proposed."],["Worked calculations","Answered within explicit assumptions","C015–C021, C028–C033","No arithmetic example cures a missing state authorization or validates an unverified fee base."],["Agreements, funds, bonds, remedies","Open for later required passes","C011, C016, C033, C039 only where necessary here","Full agreement terms, disclosures, custody, segregation, permissible investments, bonding, enforcement, private remedies and restitution analysis."],["Collection, litigation, limitations, exemptions, secured debt","Excluded from this component; remain required","C002 only for classification boundary","Separate full collection/litigation, limitation-period, exemption, collateral and secured-debt investigations."],["Sector, local, tribal, contract, full case-law coverage","Excluded from this component; remain required","C024, C038 only for identified boundaries","Conduct those investigations individually; no implicit completion from this pass."],["Alabama / A066 acceptance","Open","All limitations above","No acceptance by implication; resolve material holds and complete remaining dossier passes."]]}],"claims":[{"claim_id":"S_AL-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C001","Precise assertion":"Alabama reserves defined legal practice to properly licensed persons. Categories include compensated legal advice/document work, compensated rights-related representation, and specified vocational adjustment of defaulted, controverted, or disputed claims.","Sources and pinpoints":"S001 §34-3-6(a), (b)(1)–(4); S003 Discussion","Conditions, currentness, and confidence limits":"High framework; qualified current codification. Official 2026 standalone text retrieval remains open."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C002","Precise assertion":"Porter permits peaceful collection of undisputed, uncontested delinquent accounts within its holding; it does not establish a general debtor-side settlement authorization. Rehearing deleted the categorical 5% follow-up-fee prohibition.","Sources and pinpoints":"S002, 338 So. 2d at 813–816","Conditions, currentness, and confidence limits":"High as to holding/modification. Commercial creditor-side facts; modern-model application and complete subsequent history remain bounded."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C003","Precise assertion":"Marketing label, absence of custody, and business-purpose debt do not independently remove the identified Alabama legal-practice issues.","Sources and pinpoints":"S001 §34-3-6(b); S002; S003","Conditions, currentness, and confidence limits":"Reasoned application. Specific conduct and relationships control; not a categorical prohibition on all negotiation."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C004","Precise assertion":"Section 34-3-6(c) preserves own-business/own-claim activity; subsection (e) addresses specified Bar-organized or recognized pro bono work. Neither creates a generic paid nonprofit service exemption.","Sources and pinpoints":"S001 §34-3-6(c), (e)","Conditions, currentness, and confidence limits":"Qualified by S001 currency. No conclusion about corporate court appearances or every affiliate/employee structure."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C005","Precise assertion":"Receipt of money/value for transmission can trigger Chapter 7A; issuing/selling covered payment instruments or stored value is also included. Sole delivery/online/telecommunications/network services are excluded from that definition.","Sources and pinpoints":"S005 §8-7A-2(10), (12); S028 printed p. 4","Conditions, currentness, and confidence limits":"High text support. Actual receipt/control/agency facts remain necessary."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C006","Precise assertion":"Covered transmission business and related holding out require a Chapter 7A license or licensed-principal authorized-delegate status, absent an applicable exclusion/exemption.","Sources and pinpoints":"S005 §5; S028 printed p. 8","Conditions, currentness, and confidence limits":"High. Authorization concerns transmission, not reserved legal practice."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C007","Precise assertion":"Delegate arrangements require statutory compliance and principal controls; subdelegation is barred; acting for a principal required to be licensed but unlicensed is prohibited.","Sources and pinpoints":"S005 §§11, 16; S028 printed pp. 17, 23","Conditions, currentness, and confidence limits":"High. An ordinary vendor relationship is not automatically authorized-delegate status."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C008","Precise assertion":"Whole-chapter exclusions cover specified governments, postal transmission, government-benefit EFT contractors, designated-market/clearing activity, registered futures merchants acting as such, and qualifying banking categories.","Sources and pinpoints":"S005 §3; bank definition §2(3)","Conditions, currentness, and confidence limits":"High text support. Foreign/international bank conditions and activity limits matter; no blanket affiliate exclusion inferred."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C009","Precise assertion":"Section 4 excludes specified clearing agencies, payment-system activity, broker-dealers acting as such, and qualifying government-payment contractors from §§5–15 only. Government contractors must satisfy all listed operational, notice, audit, segregation, and access conditions.","Sources and pinpoints":"S028 printed pp. 6–8; S005 §4","Conditions, currentness, and confidence limits":"High. Partial statutory exemption is not whole-chapter exclusion."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C010","Precise assertion":"No generic attorney or nonprofit exclusion appears in Chapter 7A §§3–4; exemption/definition-exception claims carry a statutory burden.","Sources and pinpoints":"S005 §§3–4, 25","Conditions, currentness, and confidence limits":"High within the read provisions. Incidental lawyer-trust-account and particular institutional applications require further authority."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C011","Precise assertion":"ASC licensing requires prescribed application information, applicable entity/foreign-registration evidence, security and fitness review. Section 8 contains a completeness-based 120-day decision/deemed-approval mechanism with good-cause extension authority.","Sources and pinpoints":"S005 §§6–8, 10; S009–S010","Conditions, currentness, and confidence limits":"High statutory framework. Filing alone does not demonstrate satisfaction of that mechanism or current authorization."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C012","Precise assertion":"Remote location is not an established blanket exemption. Out-of-state lawyer practice is subject to Rule 5.5’s conditions; the precise remote commercial-provider nexus remains unresolved.","Sources and pinpoints":"S004 Rule 5.5, pp. 1–3; S005 §§2, 5–6","Conditions, currentness, and confidence limits":"High lawyer rule; held broader application. Resident status alone was not verified as the complete test."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C013","Precise assertion":"Private-practice authority requires the relevant occupational licensing status; special membership/good standing alone is insufficient. A public Bar lookup interface exists.","Sources and pinpoints":"S015 Membership Status; S016 search form","Conditions, currentness, and confidence limits":"High operational evidence. No named lawyer cleared; lookup limitations apply."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C014","Precise assertion":"A lawyer connection does not cure a nonlawyer-controlled legal-service business. Professional independence and fee-sharing restrictions apply.","Sources and pinpoints":"S004 Rules 5.4–5.5; S019 pp. 2–5","Conditions, currentness, and confidence limits":"High rules; historical illustration. Nelms is not a current Chapter 7A ruling."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C015","Precise assertion":"Lawyer fees cannot be clearly excessive; new-client fee basis/rate communication and written contingent-fee computation requirements apply. The read rule supplies no debt-specific numeric ceiling.","Sources and pinpoints":"S004 Rule 1.5(a)–(c), pp. 1–2","Conditions, currentness, and confidence limits":"High. Other law can prohibit a contingent arrangement; no sample rate is deemed reasonable automatically."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C016","Precise assertion":"General lawyer advance-payment permission is subject to refund of unearned amounts on termination and does not override an applicable federal advance-fee restriction.","Sources and pinpoints":"S004 Rule 1.5 payment comment, p. 3; Rule 1.16(d), p. 2; S021 §310.4(a)(5)","Conditions, currentness, and confidence limits":"High combined reading. No fixed Alabama refund deadline established here."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C017","Precise assertion":"This pass did not verify Alabama consumer setup/monthly/settlement/per-debt/savings/aggregate caps or an indexing adjustment mechanism.","Sources and pinpoints":"S004–S005 and source-access limits S012–S014","Conditions, currentness, and confidence limits":"Bounded negative research result. Not proof of unlimited fees, exhaustive absence, or advance-fee permission."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C018","Precise assertion":"A qualifying §501(q) organization needs reasonable fees, inability-to-pay waiver policy, and restrictions on fees based partly or wholly on debt, DMP payments, or savings, except to the extent state law allows.","Sources and pinpoints":"S025 §501(q)(1)(C)","Conditions, currentness, and confidence limits":"High through stated compilation currency. Alabama permission for a proposed percentage fee remains held."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C019","Precise assertion":"Section 501(q) also restricts DMP referral compensation and separate credit-repair fees. Qualifying §501(c)(3) organizations cannot solicit contributions during initial counseling/services, and generally face a 50% creditor-DMP-revenue ratio.","Sources and pinpoints":"S025 §501(q)(1)(A)(iii)–(iv), (F), (2)(A)–(B)","Conditions, currentness, and confidence limits":"High federal tax condition. The 50% figure is an organizational revenue ratio, not a consumer fee ceiling."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C020","Precise assertion":"ASC currently posts initial charges of $500 filing plus $500 license, totaling $1,000; the filing charge is nonrefundable under §6(c).","Sources and pinpoints":"S009 Initial Filing Fees; S005 §6(c)","Conditions, currentness, and confidence limits":"High as posted. These are applicant charges; possible ancillary channel costs not established."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C021","Precise assertion":"Licenses expire March 31; renewal fee is due by March 15, subject to statutory extension provisions. Statutory floor is $500. Exact current rule-fixed amount is held.","Sources and pinpoints":"S005 §9; S011; S012–S014; S027 p. 20","Conditions, currentness, and confidence limits":"High statute; unresolved rule. Historical $500 table does not close current operative-rule verification."},"coordinator_verification_status":"selected_source_support_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C022","Precise assertion":"ASC provides actual application/renewal instructions and forms; current NMLS checklist and usable transmitter lookup result were not obtained.","Sources and pinpoints":"S009–S011, S017–S018","Conditions, currentness, and confidence limits":"High access record; partial procedure. No exclusive intake-channel or named-provider authorization conclusion."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C023","Precise assertion":"The 2009 alert and 2010 licensing facts predate repeal/replacement of Sale of Checks law by Act 2017-389, effective August 1, 2017.","Sources and pinpoints":"S006; S019–S020; S028 §§1, 5","Conditions, currentness, and confidence limits":"High historical reconciliation. Old licensing terminology is not a current independent debt-settlement license."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C024","Precise assertion":"New §8-7A-28 took effect October 1, 2026 and concerns cryptocurrency kiosks; its special limits/refunds do not establish ordinary DMP fees.","Sources and pinpoints":"S007 §1, §2; S008","Conditions, currentness, and confidence limits":"High scoped conclusion. Kiosk implementation is not fully investigated here."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C025","Precise assertion":"The retrieved HB585 text is introduced legislation, not sufficient proof of an enacted transfer fee.","Sources and pinpoints":"S026 cover/synopsis and proposed provisions","Conditions, currentness, and confidence limits":"High version classification; final status held. No charge calculated from the proposal."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C026","Precise assertion":"Federal debt relief includes represented alteration of unsecured debt terms, including interest/fee concessions; principal reduction is unnecessary. Telemarketing has its own telephone/interstate-campaign definition.","Sources and pinpoints":"S021 §310.2(o), (ii)","Conditions, currentness, and confidence limits":"High federal rule. Not every entirely online or other transaction is automatically covered."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C027","Precise assertion":"Debt relief is excluded from certain general inbound exemptions; face-to-face relief requires the specified sequence; business-purchase calls retain an exemption from the fee clause while specified deception rules remain applicable.","Sources and pinpoints":"S021 §310.6(b)(3), (5)–(7)","Conditions, currentness, and confidence limits":"High current text. Actual transaction facts required; no categorical “all B2B outside TSR” claim."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C028","Precise assertion":"Covered provider fees cannot be requested or received before qualifying debt alteration under a customer-executed agreement and the customer’s first qualifying payment.","Sources and pinpoints":"S021 §310.4(a)(5)(i)(A)–(B)","Conditions, currentness, and confidence limits":"High. State authority and remaining allocation requirements also necessary."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C029","Precise assertion":"For individually altered debts, one permitted allocation uses that debt’s enrollment balance divided by total enrolled balances, applied to total fee.","Sources and pinpoints":"S021 §310.4(a)(5)(i)(C)(1)","Conditions, currentness, and confidence limits":"High. Allocation rule, not a numeric ceiling or permission to front-load the fee."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C030","Precise assertion":"Alternatively, individually altered debts may use the same percentage of savings for each debt; the base uses enrollment balance minus amount paid to satisfy it.","Sources and pinpoints":"S021 §310.4(a)(5)(i)(C)(2)","Conditions, currentness, and confidence limits":"High. No particular percentage is approved; example assumes completed satisfaction."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C031","Precise assertion":"FTC’s adoption explanation permits subsequent periodic DMP servicing fees after the specified binding-plan/first-payment conditions in the described simultaneous-concession structure.","Sources and pinpoints":"S022, 75 FR 48489, note 431","Conditions, currentness, and confidence limits":"High interpretation, limited facts. No initial/setup fee before trigger; not an Alabama fee authorization."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C032","Precise assertion":"A genuine creditor-approved installment arrangement differs from a provider’s unilateral fragmentation of a required lump sum.","Sources and pinpoints":"S022, 75 FR 48489–48490, note 432","Conditions, currentness, and confidence limits":"High interpretation. Partial performance of a lump-sum requirement does not create the claimed trigger."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C033","Precise assertion":"The dedicated-account exception requires consumer ownership, insured account, administrator independence, no prohibited referral compensation, and exit without penalty; remaining funds less compliant earned fees return within seven business days.","Sources and pinpoints":"S021 §310.4(a)(5)(ii)(A)–(E)","Conditions, currentness, and confidence limits":"High. Applies to the specified federal account arrangement, not all state refunds."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C034","Precise assertion":"Attorney status and retainer/application/membership labels do not create a general TSR advance-fee exception.","Sources and pinpoints":"S024 Who’s Covered and Fees; S021","Conditions, currentness, and confidence limits":"High current-rule reading supported by dated guidance. Actual coverage exemptions still matter."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C035","Precise assertion":"FTC guidance distinguishes bona fide nonprofits from sham nonprofit operations; nonprofit tax status alone does not establish Alabama authorization.","Sources and pinpoints":"S023 Who’s Covered; S005 §§3–4; S025","Conditions, currentness, and confidence limits":"High distinction; entity-specific application. FTC jurisdiction and Alabama permission are separate."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C036","Precise assertion":"Source currency is incomplete at identified points: official current UPL codification, operative renewal rule, procedure reconciliation, and final HB585 disposition.","Sources and pinpoints":"S001, S012–S018, S026","Conditions, currentness, and confidence limits":"Verified research limitation. No claim that these gaps were resolved by snippets or page dates."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C037","Precise assertion":"Pure education must be distinguished from individualized legal representation, negotiation, and transmission; payment of a provider’s own service fee alone does not establish receipt for onward transmission.","Sources and pinpoints":"S001 §34-3-6(b); S005 §2(10)","Conditions, currentness, and confidence limits":"Reasoned boundary. Other activities or laws may change classification; no universal exemption declared."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C038","Precise assertion":"Chapter 7B’s licensing relief is confined to its permitted stablecoin activities. General effectiveness is October 1, 2026; its specified offer/sale restriction starts July 18, 2028.","Sources and pinpoints":"S030 §§3–5; S031 p. 4, p. 8, Act §2 p. 20","Conditions, currentness, and confidence limits":"High text boundary. No ordinary debt-service permission or operational issuer clearance inferred; implementation remains a later sector inquiry."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."},{"claim_id":"S_AL-P1-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AL-P1-C039","Precise assertion":"No general Alabama debt-service cancellation fee, universal credit formula, or ordinary nonlawyer refund deadline was established in this pass.","Sources and pinpoints":"S004–S005; limitations in S012–S014","Conditions, currentness, and confidence limits":"Bounded hold. Lawyer unearned-fee and federal dedicated-account rules are separately verified; contract/remedies work remains open."},"coordinator_verification_status":"held_for_remaining_primary_source_checks","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Text/conditions reviewed; no component or state acceptance. Selected-source support is limited to exact source-check entries, not every authority cited in this row."}],"sources":[{"source_id":"S_AL-P1-S001","urls":["https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/","https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S001","Title / issuer and direct literal URL":"Ala. Code §34-3-6, reproduced by Justia: https://law.justia.com/codes/alabama/title-34/chapter-3/article-1/section-34-3-6/","Pinpoint actually read; version and legal status":"Entire (a)–(e); labeled 2025 Code; history cites Act 2018-561.","Access, jurisdiction, and limitations":"A/R. Alabama; unofficial reproduction. Official current codification not successfully read. \nlaw.justia.com"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S002","urls":["https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html","https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S002","Title / issuer and direct literal URL":"State ex rel. Porter v. Alabama Association of Credit Executives, Alabama Supreme Court: https://law.justia.com/cases/alabama/supreme-court/1976/338-so-2d-812-1.html","Pinpoint actually read; version and legal status":"338 So. 2d 812, 813–816; July 16, 1976 opinion and September 10 rehearing modification.","Access, jurisdiction, and limitations":"A/R. Alabama controlling-court opinion reproduced by Justia. Creditor-side facts; comprehensive subsequent-history certification not obtained. \nlaw.justia.com"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S003","urls":["https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/","https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S003","Title / issuer and direct literal URL":"Alabama State Bar Formal Opinion 2013-01, “Prosecuting a BP Claim”: https://www.alabar.org/office-of-general-counsel/formal-opinions/2013-01/","Pinpoint actually read; version and legal status":"Discussion quoting practice-of-law categories and addressing professional assistance/fee sharing.","Access, jurisdiction, and limitations":"A/R. Official ethical interpretation, 2013. BP-claim context; not a debt-settlement adjudication. Page contains a statutory-number typo; correct provision is §34-3-6. \nAlabama State Bar"},"coordinator_verification_status":"selected_passages_checked_other_portions_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_review_limits":"Only the exact listed fresh passages; grouped source record not wholly verified."},{"source_id":"S_AL-P1-S004","urls":["https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf","https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf","https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf","https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf","https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf?utm_source=chatgpt.com","https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf?utm_source=chatgpt.com","https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf?utm_source=chatgpt.com","https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S004","Title / issuer and direct literal URL":"Alabama Rules of Professional Conduct, Alabama Judicial System: https://judicial.alabama.gov/docs/library/rules/cond1_5.pdf; https://judicial.alabama.gov/docs/library/rules/cond1_16.pdf; https://judicial.alabama.gov/docs/library/rules/cond5_4.pdf; https://judicial.alabama.gov/docs/library/rules/cond5_5.pdf","Pinpoint actually read; version and legal status":"Rule 1.5(a)–(f), pp. 1–2, payment comment p. 3; Rule 1.16(d), p. 2; Rule 5.4(a)–(d), p. 1; Rule 5.5 and comments, pp. 1–3.","Access, jurisdiction, and limitations":"A/R. Official currently posted court-rule texts. Rule 5.5 states September 19, 2006 amendment effectiveness. Other webpage/upload dates are not treated as effective dates. One rulebook ID reused across provisions. \ncond1_5\n+3"},"coordinator_verification_status":"selected_passages_checked_other_portions_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_review_limits":"Only the exact listed fresh passages; grouped source record not wholly verified."},{"source_id":"S_AL-P1-S005","urls":["https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/","https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S005","Title / issuer and direct literal URL":"Alabama Monetary Transmission Act, ASC reproduction: https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7a/","Pinpoint actually read; version and legal status":"Posted §§8-7A-1–27; especially §§2–11, 16, 21(c), 25–27.","Access, jurisdiction, and limitations":"A/R. Official agency statutory reproduction. Omits new §28; not accepted as a complete 2026 chapter compilation. \nAlabama Securities Commission"},"coordinator_verification_status":"selected_passages_checked_other_portions_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_review_limits":"Only the exact listed fresh passages; grouped source record not wholly verified."},{"source_id":"S_AL-P1-S006","urls":["https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf","https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S006","Title / issuer and direct literal URL":"ASC, August 16, 2017 implementation release: https://asc.alabama.gov/wp-content/uploads/2023/11/8-16-17-Money-Transfers-Act-Signed-etc.pdf","Pinpoint actually read; version and legal status":"Both pages; p. 1 replacement law, August 1 effectiveness, and debt-management receipt/distribution example.","Access, jurisdiction, and limitations":"A/R. Historical official implementation explanation. Supports transition and activity classification, not named authorization. \nasc.alabama.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S007","urls":["https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf","https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S007","Title / issuer and direct literal URL":"Alabama Legislature, HB303 enrolled, 2026 regular session: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB303-enr.pdf","Pinpoint actually read; version and legal status":"§1 adding §8-7A-28; definitions, transaction/refund scope; §2, printed p. 10, effective October 1, 2026.","Access, jurisdiction, and limitations":"A/R. Enrolled statutory text; enactment/in-force treatment corroborated by S008. Kiosk-specific boundary. \nalison.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S008","urls":["https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf","https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S008","Title / issuer and direct literal URL":"ASC, Cryptocurrency Kiosk Fraud Prevention Act announcement: https://asc.alabama.gov/wp-content/uploads/2026/09/Cryptocurrency_Kiosk_Fraud_Prevention_Act.pdf","Pinpoint actually read; version and legal status":"Both pages; October 1, 2026 implementation statement.","Access, jurisdiction, and limitations":"A/R. Official 2026 operational confirmation. Does not replace S007’s text. \nasc.alabama.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S019","urls":["https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf","https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S019","Title / issuer and direct literal URL":"In re Keith A. Nelms, Bankr. M.D. Ala., No. 10-30430-WRS, Doc. 72: https://www.govinfo.gov/content/pkg/USCOURTS-almb-2_10-bk-30430/pdf/USCOURTS-almb-2_10-bk-30430-0.pdf","Pinpoint actually read; version and legal status":"July 6, 2010 memorandum; relevant factual/legal discussion pp. 2–5, within pp. 1–9 read.","Access, jurisdiction, and limitations":"A/R. Primary federal trial-court document; historical Alabama debt-operation facts. Underlying state injunction not separately read; former licensing law applies to its facts. \ngovinfo.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S020","urls":["https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf","https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S020","Title / issuer and direct literal URL":"ASC, “Beware of Questionable Debt Management Programs”: https://asc.alabama.gov/wp-content/uploads/2023/11/5-11-09-ALERT-debt-schemes.pdf","Pinpoint actually read; version and legal status":"Entire one-page alert, issued May 11, 2009.","Access, jurisdiction, and limitations":"A/R. Historical consumer alert. No consumer fee schedule; predates 2017 replacement. \nasc.alabama.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S026","urls":["https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf","https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S026","Title / issuer and direct literal URL":"Alabama Legislature, HB585 introduced, 2026: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB585-int.pdf","Pinpoint actually read; version and legal status":"Introduced cover/synopsis and proposed international-transfer/reporting provisions.","Access, jurisdiction, and limitations":"A/R, proposed version. Final official disposition unresolved; no proposed charge treated as law. \nalison.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S028","urls":["https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf","https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017","https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf?utm_source=chatgpt.com","https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S028","Title / issuer and direct literal URL":"Act 2017-389, signed-act archive, Alabama Secretary of State: https://arc-sos.state.al.us/ucp/B17146AA.ATB.pdf; record: https://arc-sos.state.al.us/cgi/actdetail.mbr/detail?act=389&page=act&year=2017","Pinpoint actually read; version and legal status":"Act §1 repeal; §2, especially printed pp. 2–17; §§25–27 tail; Act §5, printed p. 32. Record states approval May 26, 2017.","Access, jurisdiction, and limitations":"A/R. Original enacted law. Effective August 1, 2017, corroborated by S006. Later changes must be added separately. \nAlabama Secretary of State\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S030","urls":["https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/","https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com","https://asc.alabama.gov/statute-2/alabama-securities-act-title-8-section-7b-1/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S030","Title / issuer and direct literal URL":"ASC, Financial Innovation and Market Expansion Act, Chapter 7B: https://asc.alabama.gov/for-industry/statutes/alabama-securities-act-title-8-section-7b-1/","Pinpoint actually read; version and legal status":"Posted §§1–16; particularly §§2–5 and 8. Identifies Act 2026-354.","Access, jurisdiction, and limitations":"A/R. Official statutory reproduction. Stablecoin activity boundary; no ordinary debt-service authorization inferred. \nAlabama Securities Commission"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S031","urls":["https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf","https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S031","Title / issuer and direct literal URL":"Alabama Legislature, HB259 enrolled, 2026: https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB259-enr.pdf","Pinpoint actually read; version and legal status":"Printed pp. 1–9, relevant tail; §8-7B-3(b), p. 4; §8-7B-5, p. 8; Act §2, p. 20.","Access, jurisdiction, and limitations":"A/R. Enrolled text paired with S030. General effective date October 1, 2026; specified offer/sale restriction begins July 18, 2028. Implementation rules/provider availability not investigated. \nalison.legislature.state.al.us\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S009","urls":["https://asc.alabama.gov/for-industry/registration/monetary-transmission/","https://asc.alabama.gov/for-industry/registration/monetary-transmission/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S009","Title / issuer and direct literal URL":"ASC Monetary Transmission Filing Instructions: https://asc.alabama.gov/for-industry/registration/monetary-transmission/","Pinpoint actually read or attempted":"Application requirements; “Initial Filing Fees”; renewal; submission instructions.","Access, status, and limitations":"A/R. Currently posted, undated instructions. Exact exclusive intake channel not established. \nAlabama Securities Commission"},"coordinator_verification_status":"selected_passages_checked_other_portions_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_review_limits":"Only the exact listed fresh passages; grouped source record not wholly verified."},{"source_id":"S_AL-P1-S010","urls":["https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf","https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S010","Title / issuer and direct literal URL":"ASC Form MT: https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MT.pdf","Pinpoint actually read or attempted":"Seven-page form; p. 1 activities, p. 5 Obligor Agent Questionnaire, execution/material requirements.","Access, status, and limitations":"A/R. Application form. Not a license grant; upload path is not an effective date. \nasc.alabama.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S011","urls":["https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf","https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S011","Title / issuer and direct literal URL":"ASC Form MTR: https://asc.alabama.gov/wp-content/uploads/2023/11/Form-MTR.pdf","Pinpoint actually read or attempted":"Five-page renewal form, especially pp. 1–2.","Access, status, and limitations":"A/R. No specified renewal dollar amount; fee-received field is blank. \nasc.alabama.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S012","urls":["https://admincode.legislature.state.al.us/administrative-code/830-X-7A","https://admincode.legislature.state.al.us/administrative-code/830-X-7A?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S012","Title / issuer and direct literal URL":"Official administrative-code Chapter 830-X-7A: https://admincode.legislature.state.al.us/administrative-code/830-X-7A","Pinpoint actually read or attempted":"Attempt to read current renewal-fee rule 830-X-7A-.09.","Access, status, and limitations":"A/X. JavaScript-only response. Complete operative text, exact effectiveness and later amendments remain held. \nadmincode.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S013","urls":["https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf","https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S013","Title / issuer and direct literal URL":"Alabama Administrative Monthly, October 2019 certified adopted rules: https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-OCT-19/CERTIFIED%20ADOPTED%20RULES.pdf","Pinpoint actually read or attempted":"Three-page listing; p. 3, item O: 830-X-7A-.09, filed October 4, 2019.","Access, status, and limitations":"A/R. Historical adoption-list evidence. Does not reproduce the complete rule or prove current amount. \nfile.admincode.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S014","urls":["https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf","https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S014","Title / issuer and direct literal URL":"June 2019 proposed rule PDF: https://file.admincode.legislature.state.al.us/UpdatedMonthly/AAM-JUN-19/830-X-7A-.09.pdf","Pinpoint actually read or attempted":"PDF route opened; readable operative text not obtained.","Access, status, and limitations":"A/X. Proposal, not current rule. No substantive rule amount derived from it. \nfile.admincode.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S015","urls":["https://www.alabar.org/members/attorney-licensing/","https://www.alabar.org/members/attorney-licensing/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S015","Title / issuer and direct literal URL":"Alabama State Bar, Attorney Licensing: https://www.alabar.org/members/attorney-licensing/","Pinpoint actually read or attempted":"Membership Status, Occupational License, Special Membership.","Access, status, and limitations":"A/R. Currently posted operational guidance. Establishes licensing distinctions, not any named lawyer’s status. \nAlabama State Bar"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S016","urls":["https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx","https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S016","Title / issuer and direct literal URL":"Alabama State Bar public member search: https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx","Pinpoint actually read or attempted":"Actual search fields and page limitations.","Access, status, and limitations":"A/R. Lookup interface verified. Practice areas self-reported; displayed discipline history begins January 2018. No named search performed. \nmembers.alabar.org"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S017","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S017","Title / issuer and direct literal URL":"NMLS Licensing Checklists, Requirements, and Fees: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Pinpoint actually read or attempted":"Current Alabama checklist retrieval attempted.","Access, status, and limitations":"A/X. No readable checklist returned; title alone is discovery. \nmortgage.nationwidelicensingsystem.org"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S018","urls":["https://www.nmlsconsumeraccess.org/"],"researcher_record":{"Source ID":"S_AL-P1-S018","Title / issuer and direct literal URL":"NMLS Consumer Access: https://www.nmlsconsumeraccess.org/","Pinpoint actually read or attempted":"Public lookup retrieval attempted.","Access, status, and limitations":"A/X. Returned 404 through the browsing route; no provider-status result."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S027","urls":["https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf","https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S027","Title / issuer and direct literal URL":"Alabama Examiners of Public Accounts, ASC Sunset Report: https://alison.legislature.state.al.us/files/pdf/eopa/audit_reports/24_s_024_24S-024-Securities%20Commission%20Sunset%20Report.pdf","Pinpoint actually read or attempted":"September 27, 2023 report; printed p. 20/PDF p. 26, Monetary Transmission Act fee rows.","Access, status, and limitations":"A/R, relevant portions. Historical official report. Reports $500 renewal; does not substitute for current rule text. \nalison.legislature.state.al.us"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S029","urls":["https://asc.alabama.gov/for-industry/statutes/","https://asc.alabama.gov/for-industry/statutes/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S029","Title / issuer and direct literal URL":"ASC Statutes, Regulations, and Policy Statements index: https://asc.alabama.gov/for-industry/statutes/","Pinpoint actually read or attempted":"Actual list identifying Chapter 7A, Chapter 7B, and administrative Chapter 830-X-7A.","Access, status, and limitations":"A/R, index only. Discovery/navigation evidence, not operative permission or fee law. \nAlabama Securities Commission"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S021","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S021","Title / issuer and direct literal URL":"FTC Telemarketing Sales Rule, 16 CFR Part 310, eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Exact pinpoint/version":"§§310.2(o), (ii); 310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); 310.6(b)(3), (5)–(7). Displayed current through October 21, 2026.","Access, status, and limitations":"A/R. Federal operative compilation, eCFR labeled unofficial. One Part 310 document ID reused. Not Alabama authorization. \necfr.gov\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S022","urls":["https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf?utm_source=chatgpt.com","https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S022","Title / issuer and direct literal URL":"FTC 2010 final rule, 75 FR 48458: https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf; HTML counterpart: https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Exact pinpoint/version":"48458 effective dates; 48489–48490 and notes 431–432, agreements, DMPs, installments and allocation.","Access, status, and limitations":"A/R, cited passages. Advance-fee provision effective October 27, 2010. Adoption explanation read alongside current S021. \ngovinfo.gov\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S023","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S023","Title / issuer and direct literal URL":"FTC, Debt Relief Services and TSR Guide for Business: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Exact pinpoint/version":"Who’s Covered; Collecting Fees; Requiring a Dedicated Account.","Access, status, and limitations":"A/R. Staff guidance, expressly nonbinding. Relevant entity/account guidance only; not used to replace current regulation. \nFederal Trade Commission"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S024","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S024","Title / issuer and direct literal URL":"FTC, “What People Are Asking”: https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-what-people-are-asking","Exact pinpoint/version":"October 2010; attorney coverage, face-to-face exemption, fee labels.","Access, status, and limitations":"A/R. Dated staff explanation. Current operative clause separately verified. \nFederal Trade Commission"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_AL-P1-S025","urls":["https://uscode.house.gov/us/usc/119-120/t26/s501/","https://uscode.house.gov/us/usc/119-120/t26/s501/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AL-P1-S025","Title / issuer and direct literal URL":"26 U.S.C. §501, Office of the Law Revision Counsel: https://uscode.house.gov/us/usc/119-120/t26/s501/","Exact pinpoint/version":"Entire §501(q)(1)–(4); relevant effective-date note for Pub. L. 109-280 §1220. Compilation states laws through Pub. L. 119-120, October 7, 2026.","Access, status, and limitations":"A/R. Official federal statutory text. Tax-exemption conditions, not Alabama licensing. Compilation currency is stated precisely; no later-currency certification claimed. \nuscode.house.gov\n+1"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Conduct-based legal-practice classification","researcher_record":{"Component":"Conduct-based legal-practice classification","Status":"Answered with currentness qualification","Claims":"C001–C004","Exact missing evidence / next investigation":"Obtain official current §34-3-6 and complete 2019–2026 amendment reconciliation."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Official UPL source retrieval","researcher_record":{"Component":"Official UPL source retrieval","Status":"Unresolved","Claims":"C036","Exact missing evidence / next investigation":"https://alison.legislature.state.al.us/code-of-alabama?section=34-3-6 returned navigation without operative text; legacy code and enrolled-2018 routes failed. Next: readable official codification and signed Act 2018-561, then later amendment check."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Peaceful undisputed collection boundary","researcher_record":{"Component":"Peaceful undisputed collection boundary","Status":"Answered narrowly","Claims":"C002","Exact missing evidence / next investigation":"Apply Porter only within its actual holding; complete later-case treatment during the case-law pass."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Modern debtor-side nonlawyer principal-reduction model","researcher_record":{"Component":"Modern debtor-side nonlawyer principal-reduction model","Status":"Partial / hold","Claims":"C001–C003","Exact missing evidence / next investigation":"Locate directly applicable controlling decisions or published official interpretations addressing debtor-side representation, disputed/defaulted debt, and statutory privity."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Concession-only DMP versus principal reduction","researcher_record":{"Component":"Concession-only DMP versus principal reduction","Status":"Answered as classification distinction","Claims":"C003, C026, C031","Exact missing evidence / next investigation":"Model-specific legal-practice treatment remains necessary; principal repayment alone is not clearance."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Custodial payment-distribution route","researcher_record":{"Component":"Custodial payment-distribution route","Status":"Answered conditionally","Claims":"C005–C011","Exact missing evidence / next investigation":"Actual entity license/delegate evidence and fund-flow facts are needed for a provider-specific determination."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Third-party account/noncustodial control","researcher_record":{"Component":"Third-party account/noncustodial control","Status":"Partial","Claims":"C005, C010, C012","Exact missing evidence / next investigation":"Examine actual receipt, withdrawal/instruction authority, contracts, and agency relationships; retrieve applicable published ASC interpretations."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Consumer/business-purpose distinction","researcher_record":{"Component":"Consumer/business-purpose distinction","Status":"Answered at statutory-boundary level","Claims":"C003, C005, C027","Exact missing evidence / next investigation":"Sector-specific commercial debt and other federal overlays remain later work."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Resident/remote-provider nexus","researcher_record":{"Component":"Resident/remote-provider nexus","Status":"Partial / hold","Claims":"C012","Exact missing evidence / next investigation":"Obtain controlling territorial interpretation for remote negotiations and receipt/control of Alabama-related funds."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Attorney authority and independence","researcher_record":{"Component":"Attorney authority and independence","Status":"Answered conditionally","Claims":"C013–C016","Exact missing evidence / next investigation":"Provider-specific occupational status, disciplinary history, ownership/control and fee arrangements remain unexamined."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Attorney custodial accounts under transmission law","researcher_record":{"Component":"Attorney custodial accounts under transmission law","Status":"Unresolved application","Claims":"C010, C012","Exact missing evidence / next investigation":"Obtain directly applicable incidental-practice/trust-account interpretation; do not assume a categorical exemption."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Nonprofit Alabama exemption","researcher_record":{"Component":"Nonprofit Alabama exemption","Status":"Answered negatively within read exclusions","Claims":"C010, C035","Exact missing evidence / next investigation":"Any claimed additional statutory or entity-specific exemption requires its actual operative source."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Federal nonprofit fee conditions","researcher_record":{"Component":"Federal nonprofit fee conditions","Status":"Answered within source currency","Claims":"C018–C019","Exact missing evidence / next investigation":"Apply §501(q) to actual organization; establish Alabama permission before clearing percentage fees; check post-October 7 amendments if relying on a later currency date."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Institutional exclusions / partial exemptions","researcher_record":{"Component":"Institutional exclusions / partial exemptions","Status":"Answered at text level","Claims":"C008–C010","Exact missing evidence / next investigation":"Verify actual institution and activity against every condition; do not extend partner-bank status to a separate entity."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Alabama consumer numerical fee caps and indexing","researcher_record":{"Component":"Alabama consumer numerical fee caps and indexing","Status":"Unresolved / expressly held","Claims":"C017","Exact missing evidence / next investigation":"Complete operative-rule and published-interpretation review before representing a cap or absence of cap. No CPI extrapolation."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Renewal-fee operative rule","researcher_record":{"Component":"Renewal-fee operative rule","Status":"Unresolved","Claims":"C021, C036","Exact missing evidence / next investigation":"S012 returned JavaScript-only content. Legacy route http://www.alabamaadministrativecode.state.al.us/docs/SECURITIES/830-X-7A.pdf and corresponding static-file attempts failed. Obtain current official non-API rule text and adoption/amendment history."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Initial application procedure","researcher_record":{"Component":"Initial application procedure","Status":"Answered as currently posted","Claims":"C011, C020, C022","Exact missing evidence / next investigation":"Reconcile ASC forms/mail instructions with the current official NMLS Alabama checklist."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Exact current renewal amount","researcher_record":{"Component":"Exact current renewal amount","Status":"Held","Claims":"C021","Exact missing evidence / next investigation":"Read the operative rule; historical $500 schedule and statutory minimum do not independently certify the current fixed charge."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Public transmitter lookup","researcher_record":{"Component":"Public transmitter lookup","Status":"Unresolved access","Claims":"C022","Exact missing evidence / next investigation":"S018 returned 404 through the research route. Retrieve a working public license/delegate record interface; no contact or filing is authorized by this report."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Named provider authorization","researcher_record":{"Component":"Named provider authorization","Status":"Not determined","Claims":"C022","Exact missing evidence / next investigation":"No named entity was cleared. A later provider check needs exact legal identity, relevant authorization, status, scope, and applicable orders."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"State fee timing and ordinary cancellation/refunds","researcher_record":{"Component":"State fee timing and ordinary cancellation/refunds","Status":"Partial","Claims":"C015–C017, C039","Exact missing evidence / next investigation":"Lawyer rules answered; complete nonlawyer contract, money-handling and remedy requirements in later passes."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Federal TSR timing/allocation","researcher_record":{"Component":"Federal TSR timing/allocation","Status":"Answered as common context","Claims":"C026–C034","Exact missing evidence / next investigation":"Apply actual marketing, transaction, entity and account facts; does not establish state permission."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Historical alert and fee-table reconciliation","researcher_record":{"Component":"Historical alert and fee-table reconciliation","Status":"Answered","Claims":"C021, C023","Exact missing evidence / next investigation":"Do not carry old Sale of Checks terminology or dated regulator charges into current consumer-fee claims."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"2026 kiosk amendment","researcher_record":{"Component":"2026 kiosk amendment","Status":"Boundary answered; sector implementation excluded","Claims":"C024","Exact missing evidence / next investigation":"New §28 included in currentness analysis; full kiosk compliance belongs to a triggered sector pass."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"HB585 final disposition","researcher_record":{"Component":"HB585 final disposition","Status":"Unresolved","Claims":"C025","Exact missing evidence / next investigation":"Retrieve official final 2026 regular-session bill history, certified journal, or disposition record. Introduced text remains proposed evidence."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Stablecoin Chapter 7B","researcher_record":{"Component":"Stablecoin Chapter 7B","Status":"Boundary answered; implementation excluded","Claims":"C038","Exact missing evidence / next investigation":"Restricted licensing relief is activity-specific; rules, federal interaction, and actual licensing availability require a sector pass if that model is proposed."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Worked calculations","researcher_record":{"Component":"Worked calculations","Status":"Answered within explicit assumptions","Claims":"C015–C021, C028–C033","Exact missing evidence / next investigation":"No arithmetic example cures a missing state authorization or validates an unverified fee base."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Agreements, funds, bonds, remedies","researcher_record":{"Component":"Agreements, funds, bonds, remedies","Status":"Open for later required passes","Claims":"C011, C016, C033, C039 only where necessary here","Exact missing evidence / next investigation":"Full agreement terms, disclosures, custody, segregation, permissible investments, bonding, enforcement, private remedies and restitution analysis."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Collection, litigation, limitations, exemptions, secured debt","researcher_record":{"Component":"Collection, litigation, limitations, exemptions, secured debt","Status":"Excluded from this component; remain required","Claims":"C002 only for classification boundary","Exact missing evidence / next investigation":"Separate full collection/litigation, limitation-period, exemption, collateral and secured-debt investigations."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Sector, local, tribal, contract, full case-law coverage","researcher_record":{"Component":"Sector, local, tribal, contract, full case-law coverage","Status":"Excluded from this component; remain required","Claims":"C024, C038 only for identified boundaries","Exact missing evidence / next investigation":"Conduct those investigations individually; no implicit completion from this pass."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."},{"topic":"Alabama / A066 acceptance","researcher_record":{"Component":"Alabama / A066 acceptance","Status":"Open","Claims":"All limitations above","Exact missing evidence / next investigation":"No acceptance by implication; resolve material holds and complete remaining dossier passes."},"coordinator_acceptance":"component_partial_not_accepted_remaining_required_work","coordinator_review":"[internal evidence reference]","coordinator_review_note":"Component scope reconciled; retain exact researcher missing evidence and all later full-state categories. Scoped source and arithmetic checks do not accept this row."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}