{"meta":{"key":"s_az--pass-02","task":"S_AZ","title":"SAZ Renewal language, public procedure and proration","parent_title":"Arizona debt and debt relief law","edition":"pass-02","path":"/research/s_az--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":10,"claims":23,"sources":27,"review_status":"revise","review_complete":true,"sha256":"210d58a51f35fb63b4d92f4c697911d25da9ec23f108a83bd9de7fbfe9eb8175","headings":["A. Substantive findings","1. Reconciliation of § 6-706(B), § 6-707(C) and R20-4-602(C)","2. Exact effects and dates of Laws 2025, chapter 222","3. Current application and renewal procedure: what is established and what remains inaccessible","4. Public license lookup: intended route identified; current functionality not verified","5. Provider charges and proration","B. Source register","B1. Substantively read sources","B2. Material discovery and failed-access records","C. Claim register","D. Bounded examples, dependency map and component coverage","D1. Plain-text examples limited to this pass","D2. PASS-01 patch and dependency map","D3. Full PASS-02 component coverage and exact remaining investigations","E. Researcher self-check"],"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_AZ/pass-02","facets":{"geography":["us","us-az"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"Renewal statutory-language, current official procedure and proration reconciliation","pending_corrections":0},"markdown":"# S_AZ PASS-02 — Renewal language, public procedure and proration\n\n**Baseline:** October 22, 2026, Pacific.\n**Actual access:** October 22, 2026, approximately 10:57–11:04 p.m. PDT; October 23, 2026, 05:57–06:04 UTC. The research did not extend into a later Pacific calendar date.\n\n**Finding:** December 31 is established as the debt-management license expiration and renewal-application date, and the operative rule requires the renewal fee with that application. **Section 6-706(B)’s retained June 30 provision for renewal without investigation remains an unresolved interpretive qualification.** Its wording does not establish a mandatory June 30 payment deadline. The statutory provider charges and the application-based proration provision are verified; current operational instructions, date-specific prorated invoices, transition credits and a functioning public lookup interface remain held because the relevant official pages were not substantively retrievable. **[S_AZ-P2-C001–C003, C008–C018]** [Fees+3](https://www.azleg.gov/ars/6/00706.htm?utm_source=chatgpt.com)\n\nThis is a narrow continuation of PASS-01. It does not establish a named provider’s authorization, close the Arizona dossier or imply A066 acceptance.\n\n## A. Substantive findings\n\n### 1. Reconciliation of § 6-706(B), § 6-707(C) and R20-4-602(C)\n\n#### The current texts address distinguishable matters, but the residual language has not been authoritatively reconciled\n\n| Provision | Actual operative content | Established consequence |\n| --- | --- | --- |\n| **A.R.S. § 6-706(B)** | On or before June 30 each year, a licensee **“may obtain a renewal of each license without investigation by payment”** of the prescribed fee. Agency renewal fees equal branch renewal fees. | Retains a permissive provision concerning renewal without investigation. It does not say every licensee **shall** pay by June 30. |\n| **A.R.S. § 6-707(C)** | Licenses expire December 31 following issuance, unless sooner surrendered, revoked or suspended. Renewal applications must be filed on or before December 31, on the prescribed form, with the prescribed fee. | Establishes December 31 expiration and the renewal-application date. |\n| **A.A.C. R20-4-602(C)** | Requires delivery of the prescribed renewal application by December 31; a separate renewal application for each authorized business location; and the fee described in § 6-706 and specified in § 6-126(D)(2). | Expressly joins the December 31 application procedure with its accompanying renewal fee while continuing to reference § 6-706. |\n\n**Claims:** S_AZ-P2-C001–C003. **Sources:** S_AZ-P2-S001, S005–S006. [Fees+3](https://www.azleg.gov/ars/6/00706.htm?utm_source=chatgpt.com)\n\nA possible textual reading is that § 6-706(B) concerns a particular no-investigation renewal mechanism, while § 6-707(C) and R20-4-602(C) govern expiration and the ordinary renewal application. **That is an inference from the texts, not a verified DIFI, Attorney General or judicial reconciliation.**\n\nTargeted primary-source searches did not locate an opinion, decision or express agency interpretation explaining the retained June 30 language. The final rulemaking’s explanation says the amendment conforms the debt-management renewal dates to Laws 2025, chapter 222; it does not explain the continuing operation of the June 30/no-investigation provision. **[S_AZ-P2-C008; S001–S007]** [apps.azsos.gov](https://apps.azsos.gov/public_services/register/2026/1/contents.pdf?utm_source=chatgpt.com)\n\nThe exact unresolved consequences are:\n\n- Whether DIFI currently offers an exercisable renewal-without-investigation procedure on or before June 30.\n- Whether a licensee using the December 31 procedure retains, loses or must separately establish an entitlement to renewal without investigation.\n- How a payment made under the June 30 wording would be credited against the December renewal.\n- Whether current electronic filing windows accommodate the retained statutory mechanism.\n\nThe evidence **does not establish** a second annual fee, mandatory investigation after June 30, a mandatory June 30 payment deadline, or repeal of § 6-706(B) by implication. December 31 timeliness under § 6-707(C) and the operative rule is established; the unresolved issue concerns the retained provision’s additional effect. **[S_AZ-P2-C001–C003, C008]**\n\n#### New enactment-history evidence explains how the dates diverged\n\nThe useful addition in this pass is **Laws 2023, chapter 152, §§ 3–4**. In 2023, the Legislature amended both provisions together:\n\n- Section 3 changed § 6-706(B) from the earlier June 15 wording to **on or before June 30**.\n- Section 4 changed § 6-707(C)’s renewal-application date to **June 30**, matching its then-existing June 30 expiration date.\n\nThe 2025 act subsequently changed **§ 6-707**, while leaving **§ 6-706** unamended. Thus, the residual June 30 language is visible in both the enactment history and the current compilation; it is not merely an obsolete agency instruction. **[S_AZ-P2-C004–C005; S001–S003]** [S Ver of HB2010+2](https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com)\n\n### 2. Exact effects and dates of Laws 2025, chapter 222\n\n| Event or provision | Verified effect | Limitation |\n| --- | --- | --- |\n| **§ 2: amendment of § 6-707(C)** | Replaces June 30 with December 31 for expiration and renewal applications. | Does not amend § 6-706 or the fee amounts in § 6-126. |\n| **§ 17(A): 2025 transition** | A holder of a current, active covered license otherwise subject to renewal June 30 or September 30, 2025 need not renew until December 31, 2025. Section 6-707 licenses are expressly included. | The condition is a **current, active** covered license. This is not proof of relief for an expired, suspended or otherwise ineligible license. |\n| **§ 17(C): retroactive application** | The enumerated amended statutes, including § 6-707, apply from after December 31, 2024—January 1, 2025. | Retroactivity is expressly attached to the listed amended statutes. It is not the act’s approval or publication date. |\n| **Governor’s approval** | June 25, 2025. | Distinct from general effectiveness. |\n| **Secretary of State filing** | June 25, 2025. | Distinct from website posting and the later rulemaking publication. |\n| **General effective date** | September 26, 2025, for the 2025 regular session. | Read with the express retroactivity provision. |\n| **Conforming rule publication** | January 2, 2026, 32 A.A.R. 123–126. | Publication is not the rule’s effective date. |\n| **Conforming rule effective date** | February 9, 2026. | Carried forward accurately from PASS-01’s selected final-notice support. The Code history’s inconsistent 2025 year is not reopened as an unresolved question. |\n\n**Claims:** S_AZ-P2-C005–C007, C023. **Sources:** S003–S007. The enacted text, signature and filing statements, official effective-date table, signed House summary and relevant final-rulemaking passages were actually read. [S Ver of HB2054+4](https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com)\n\nThe House’s signed HB2054 summary corroborates the December 31 change and January 1, 2025 retroactivity. It supplies legislative explanation, not a separate rule about § 6-706(B), proration or credits. **[S_AZ-P2-C005–C008; S007]** [House Bill Summary+1](https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm?utm_source=chatgpt.com)\n\n**Operational treatment remains separate.** These enactments do not demonstrate when DIFI’s portal changed its renewal cycle, which invoices were generated, or how previously paid amounts were handled.\n\nIn particular, § 17 does not provide a numerical transition credit, refund or extra assessment formula. The final rulemaking states that additional licensee costs were not anticipated, but that statement is not a billing instruction or an individual fee waiver. **[S_AZ-P2-C015; S003, S006]** [S Ver of HB2054+1](https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com)\n\n### 3. Current application and renewal procedure: what is established and what remains inaccessible\n\n#### Published legal procedure is established\n\nThe operative rule provides the following procedure:\n\n- **Initial company application:** use the Director’s required form. R20-4-602(A)(3)–(4) separately requires the nonrefundable application fee and the original license fee described in §§ 6-126(B), 6-126(D)(2) and 6-706.\n- **Branch or agency application:** use the Director’s required form under R20-4-602(B); § 6-705 specifies a written application under oath.\n- **Renewal:** deliver the required application by December 31, separately for each authorized business location, with the prescribed renewal fee.\n- **Additional information:** R20-4-602(D) permits the Department to require information the Director considers necessary.\n\nThese are actually read statutory and regulatory procedures. They do not establish which current electronic checklist, portal workflow or upload instructions DIFI presently requires. **[S_AZ-P2-C003, C011, C016; S001, S005]** [apps.azsos.gov+1](https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com)\n\n#### Current operational instructions remain held\n\nThe current DIFI Financial Enterprises page, application PDF, legacy application supplement, older renewal instructions, document directory and debt-management-specific pages returned access failures. The old NMLS company and renewal checklist URLs redirected to a generic State Resource Center with no readable checklist content.\n\nA new, specific lead was found: an official NMLS news entry titled **“AZ to Mandate Transition to NMLS for Four License Types,”** indexed as posted April 13, 2026. Opening the official news page returned **zero readable lines**. Consequently, this pass does not establish its operative transition date, full covered-license list, required forms or treatment of existing state-portal licensees. **[S_AZ-P2-C016–C017; S012–S018, S022–S027]** \n\nThis lead prevents reliance on older optional-transition or dual-system instructions as current. It does not itself prove a current NMLS-only requirement.\n\n**Exact next evidence:** retrieve the complete April 13, 2026 official notice and its linked Arizona company, branch and transition checklists, including revision dates, effective dates and any billing instructions. The route and failed result are preserved in the source register.\n\n### 4. Public license lookup: intended route identified; current functionality not verified\n\nTwo readable primary operational sources establish the intended public service:\n\n1. **CSBS’s current NMLS information page** describes NMLS Consumer Access as a free public service for checking financial-services authorization.\n2. An **NMLS help document dated August 7, 2024, hosted by CFPB**, directs users to nmlsconsumeraccess.org; its public instructions explain selecting a result and reviewing public regulatory actions.\n\nThe dated help document also describes terms acceptance and a CAPTCHA. That is a description in the document; no live CAPTCHA was encountered or bypassed in this research. **[S_AZ-P2-C018; S010–S011]** [CSBS+1](https://www.csbs.org/nationwide-multistate-licensing-system-nmls?utm_source=chatgpt.com)\n\nActual attempts to retrieve both the www and non-www Consumer Access roots returned **404 through the research tool**. DIFI’s License Search page returned **403**. The Thentia root returned **405**. The NMLS Consumer Access information page returned no readable lines.\n\nAccordingly:\n\n- The intended official public service is identified.\n- A presently functioning public search interface was **not verified**.\n- Arizona debt-management record completeness was **not verified**.\n- No named provider was searched or cleared.\n- These results do not establish that the services are generally unavailable to the public.\n\n**[S_AZ-P2-C018; S019–S021, S026]** \n\n### 5. Provider charges and proration\n\n#### Verified statutory charge components\n\nThese are provider licensing charges, distinct from consumer fees.\n\n| Event | Verified statutory component | Authority |\n| --- | --- | --- |\n| Company application | **$500**, nonrefundable, with filing | § 6-126(A), introductory sentence and (14) |\n| Branch application | **$250** per branch, nonrefundable, with filing | § 6-126(A), introductory sentence and (17) |\n| Agency application | Same application component as a branch: **$250** | § 6-706(A) |\n| Annual company assessment/renewal | **$500** | § 6-126(D)(2) |\n| Annual branch component | **$200 per branch** | § 6-126(D)(2) |\n| Annual agency renewal component | Same as branch: **$200 per agency** | § 6-706(B) |\n| Original annual assessment | Prorated according to quarters remaining until the next annual assessment or renewal | § 6-126(B); R20-4-602(A)(4) |\n\n**Claims:** S_AZ-P2-C009–C012. **Sources:** S001, S005. [azleg.gov+2](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com)\n\n#### The controlling payment event is application\n\nSection 6-126(B) requires an **enterprise applicant** to pay the first-year annual assessment **on application**. Section 6-126(C) separately addresses collection **on issuance** for financial institutions. Section 6-101(9), (11) distinguishes those categories; debt-management companies are not among the listed financial institutions. R20-4-602(A)(4) expressly references subsection **B** for the original debt-management license fee. **[S_AZ-P2-C011; S001, S005]** [azleg.gov+2](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com)\n\nThus, an issuance-based payment rule cannot be substituted for the enterprise application rule. Whether DIFI recalculates an amount when approval occurs in a later quarter was not established.\n\n#### Proration inputs that are established\n\nThe statutory calculation depends on:\n\n- The applicable annual amount under § 6-126(D)(2).\n- The branch and agency configuration.\n- The number of quarters remaining until the next annual assessment or renewal.\n- The enterprise application payment event.\n\nExpressed as arithmetic, the annual component is multiplied by the applicable quarter fraction:\n\n**Original assessment = annual component × applicable quarters ÷ 4.**\n\nThat expression does **not** supply the missing operational determination of the applicable quarters. The retrieved texts do not expressly resolve partial-quarter treatment, application-to-approval adjustments, or a combined late-year assessment and following-year renewal invoice. Different location application dates must not automatically be assigned the same quarter count. **[S_AZ-P2-C012; S001, S005]**\n\nNo date-specific initial assessment or November–December checkout amount is verified in this pass. A search-indexed calendar table cannot close that gap without its complete heading, footnotes, effective period and applicable license category.\n\n#### Refund allocation and system charges\n\nThe following distinctions are supported:\n\n- Section 6-126(B) requires return of the paid prorated annual assessment when the application is denied.\n- Section 6-708(A) addresses both denial and withdrawal: retain the investigation fee and return the license fee.\n- R20-4-602(A)(3)–(4) distinguishes the nonrefundable application fee from the original license fee.\n- Section 6-126(B) makes annual renewal fees nonrefundable.\n\nThese provisions establish legal allocation; they do not verify a current refund-request workflow or processing time. **[S_AZ-P2-C013; S001, S005]** [azleg.gov+2](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com)\n\nSection 6-123(8) permits use of NMLS for licensing and permits collection of system processing fees. It does not state a current numerical processing charge for these transactions. **System extras and total checkout amounts remain held, not presumed zero.** **[S_AZ-P2-C014; S001]** [Deputy director; powers](https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com)\n\n## B. Source register\n\n**Read-status key:** **R** = substantive identified passage actually read; **D/F** = discovery or attempted retrieval, with substantive content unavailable. All checks below occurred **October 22, 2026 Pacific**, during the access interval stated above. An access date is not a legal effective date.\n\n### B1. Substantively read sources\n\n| Source ID | Document, issuer and direct literal URL | Actual pinpoint, version, status and limits |\n| --- | --- | --- |\n| **S_AZ-P2-S001** | **Arizona Revised Statutes, Title 6 — Arizona Legislature.** [https://www.azleg.gov/arsDetail/?title=6](https://www.azleg.gov/arsDetail/?title=6&utm_source=chatgpt.com) | **R.** Sections mapped below. Current posted compilation; its disclaimer describes a January-following-session drafting compilation. Relevant currentness was checked against S008–S009. The index alone is not substantive authority. |\n| **S_AZ-P2-S002** | **Laws 2023, chapter 152, HB2010.** [https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm](https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com) | **R. §§ 3–4**, approval and filing notations. Historical enacted amendments: June 30 alignment. Approved May 19, 2023; filed May 22, 2023. |\n| **S_AZ-P2-S003** | **Laws 2025, chapter 222, HB2054.** [https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm](https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com) | **R. § 2; § 17(A), (C); act’s amendment list and approval/file notations.** December 31 amendment; conditioned 2025 transition; enumerated retroactivity. Approved/filed June 25, 2025. |\n| **S_AZ-P2-S004** | **General Effective Dates — Arizona Legislature.** [https://www.azleg.gov/general-effective-dates/](https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com) | **R. 2025 and 2023 regular-session rows.** September 26, 2025 and October 30, 2023, respectively. Does not replace special effective or retroactivity provisions. |\n| **S_AZ-P2-S005** | **20 A.A.C. 4, Supplement 25-4 — Arizona Secretary of State.** [https://apps.azsos.gov/public_services/Title_20/20-04.pdf](https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com) | **R. Printed pp. 20–21, R20-4-602(A)–(D), R20-4-603(A), and relevant history.** Current posted Code. The already-resolved history-year discrepancy is governed by S006. |\n| **S_AZ-P2-S006** | **Notice of Final Rulemaking, R25-296 — DIFI/SOS; 32 A.A.R. 123–126.** [https://apps.azsos.gov/public_services/register/2026/1/contents.pdf](https://apps.azsos.gov/public_services/register/2026/1/contents.pdf?utm_source=chatgpt.com) | **R. P. 123 items 3–4; p. 124 items 7, 10–12; p. 126 R20-4-602(C).** Published January 2, 2026; effective February 9, 2026. Explains conformity to chapter 222, not residual § 6-706(B) harmonization or billing credits. |\n| **S_AZ-P2-S007** | **HB2054 signed House summary — Arizona House of Representatives.** [https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm](https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm?utm_source=chatgpt.com) | **R. Provisions 4, 25–26.** Signed-summary version identified by June 30, 2025 filename. Legislative explanation of December renewal and January 1, 2025 retroactivity; not controlling enacted text or an operational instruction. |\n| **S_AZ-P2-S008** | **2025 Table of Sections Affected — Arizona Legislative Council.** [https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com) | **R. Cover and Title 6 entries, pp. 1–2.** Chapters 1–265, July 18, 2025. Lists § 6-707/chapter 222; no listed amendment of §§ 6-126 or 6-706. Bounded to this table. |\n| **S_AZ-P2-S009** | **2026 Table of Sections Affected — Arizona Legislative Council.** [https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf](https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com) | **R. Cover and Title 6 block, p. 2.** Chapters 1–264, August 19, 2026. The Title 6 entries concern credit-union sections; none lists the renewal/fee provisions used here. Not an unlimited certification against every possible later authority. |\n| **S_AZ-P2-S010** | **Nationwide Multistate Licensing System — CSBS.** [https://www.csbs.org/nationwide-multistate-licensing-system-nmls](https://www.csbs.org/nationwide-multistate-licensing-system-nmls?utm_source=chatgpt.com) | **R. “About NMLS” and “NMLS Consumer Access.”** Current accessible informational page; no legal effective date stated. Supports the intended public service, not current Arizona checklist requirements or successful search functionality. |\n| **S_AZ-P2-S011** | **NMLS Help Document, State Regulatory Actions — official copy hosted by CFPB.** [https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf](https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf?utm_source=chatgpt.com) | **R. Four-page document, dated August 7, 2024; public instructions pp. 3–4, steps 1–4.** Dated public navigation guidance. Does not prove today’s interface or Arizona record completeness. |\n\n**S001 section-to-URL map.** These remain one grouped statutory source record; different sections are not represented as independent documents supporting the same proposition.\n\n| Section and actual pinpoint | Direct literal URL |\n| --- | --- |\n| § 6-101(9), (11): enterprise/financial-institution distinction | [https://www.azleg.gov/ars/6/00101.htm](https://www.azleg.gov/ars/6/00101.htm?utm_source=chatgpt.com) |\n| § 6-123(8): NMLS use and system-processing authority | [https://www.azleg.gov/ars/6/00123.htm](https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com) |\n| § 6-126(A) introductory sentence, (14), (17), (B), (C), (D)(2) | [https://www.azleg.gov/ars/6/00126.htm](https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com) |\n| § 6-705: branch/agency application | [https://www.azleg.gov/ars/6/00705.htm](https://www.azleg.gov/ars/6/00705.htm?utm_source=chatgpt.com) |\n| § 6-706(A)–(B): filing payment, agency parity, retained June 30 wording | [https://www.azleg.gov/ars/6/00706.htm](https://www.azleg.gov/ars/6/00706.htm?utm_source=chatgpt.com) |\n| § 6-707(C): expiration, renewal application and fee | [https://www.azleg.gov/ars/6/00707.htm](https://www.azleg.gov/ars/6/00707.htm?utm_source=chatgpt.com) |\n| § 6-708(A): denial/withdrawal allocation | [https://www.azleg.gov/ars/6/00708.htm](https://www.azleg.gov/ars/6/00708.htm?utm_source=chatgpt.com) |\n\n### B2. Material discovery and failed-access records\n\nThese records support the access limitations—not the operative contents of the unavailable documents.\n\n| Source ID | Document and exact attempted URL | Actual result, status limit and next action |\n| --- | --- | --- |\n| **S_AZ-P2-S012** | **DIFI Financial Enterprises licensing.** [https://difi.az.gov/licensing/financial-enterprises](https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com) | **D/F: 403.** The https://www.difi.az.gov/licensing/financial-enterprises variant was also inaccessible through the tool. Read the complete current Debt Management section and all fee-table footnotes before using its portal or proration instructions. |\n| **S_AZ-P2-S013** | **DIFI Debt Management Application Requirements.** [https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf](https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf?utm_source=chatgpt.com) | **D/F: 403.** Version and present applicability unverified. Obtain the complete official current document or its replacement. |\n| **S_AZ-P2-S014** | **DIFI historical application supplement.** [https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf](https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf?utm_source=chatgpt.com) | **D/F: 403.** Historical indexed figures are not current fee authority. Find the current replacement and compare its revision date and statutory references. |\n| **S_AZ-P2-S015** | **NMLS Arizona Debt Management company checklist.** [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com) | **D/F:** redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx; **zero readable checklist lines**. Retrieve the presently operative company and branch checklists from the replacement resource center. |\n| **S_AZ-P2-S016** | **NMLS Arizona renewal checklist, legacy route.** [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf?utm_source=chatgpt.com) | **D/F:** same generic resource-center redirect; zero readable checklist lines. Older indexed renewal dates are not adopted. Retrieve a current Arizona renewal checklist with its revision date. |\n| **S_AZ-P2-S017** | **NMLS State & Agency News.** [https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx?utm_source=chatgpt.com) | **D/F:** normalized to the same path with literal &; zero readable lines. April 13, 2026 Arizona transition entry is **discovery only**. Read the full notice, effective/transition dates and linked instructions. |\n| **S_AZ-P2-S018** | **DIFI Regulatory Bulletin 2025-05, 2025 Arizona Insurance and Financial Institutions Laws.** [https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf](https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf?utm_source=chatgpt.com) | **D/F: 403.** Full HB2054 discussion not read. Retrieve the complete bulletin and any correction; do not substitute its indexed wording for chapter 222. |\n| **S_AZ-P2-S019** | **DIFI License Search.** [https://difi.az.gov/license-search](https://difi.az.gov/license-search) | **D/F: 403.** Read the current public search landing page and its officially linked interface. No current search workflow or provider status established. |\n| **S_AZ-P2-S020** | **DIFI Thentia portal root.** [https://azdifi.portalus.thentiacloud.net](https://azdifi.portalus.thentiacloud.net) | **D/F: 405 Method Not Allowed.** Obtain the currently published public-register route from DIFI; the portal root is not proof of a working public lookup. No account accessed. |\n| **S_AZ-P2-S021** | **NMLS Consumer Access.** [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) and [https://nmlsconsumeraccess.org/](https://nmlsconsumeraccess.org/) | **D/F: both returned 404 through the tool.** Next evidence is a publicly rendered official search interface. This does not prove a general service outage. |\n| **S_AZ-P2-S022** | **DIFI Debt Management Companies—NMLS.** [https://difi.az.gov/debt-management-companies-nmls](https://difi.az.gov/debt-management-companies-nmls?utm_source=chatgpt.com) | **D/F: 403.** Do not carry forward indexed optional-transition language without a readable current version and comparison with S017. |\n| **S_AZ-P2-S023** | **DIFI debt-management industry page.** [https://difi.az.gov/industry/financial-enterprises/debt-management-companies](https://difi.az.gov/industry/financial-enterprises/debt-management-companies?utm_source=chatgpt.com) | **D/F: 403.** Version and continuing operational applicability unverified; locate its official current replacement. |\n| **S_AZ-P2-S024** | **DIFI licensing document library, page 2.** [https://difi.az.gov/licensing-document-library?page=2](https://difi.az.gov/licensing-document-library?page=2) | **D/F: 403.** Could not extract current replacement-document links. Read the directory when publicly retrievable. |\n| **S_AZ-P2-S025** | **NMLS Arizona licensing directory.** [https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ&utm_source=chatgpt.com) | **D/F:** redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=AZ, zero readable lines. The /slr/SitePages/DynamicLicenses.aspx?StateID=AZ variant was inaccessible. Retrieve the actual Arizona license-type/checklist directory. |\n| **S_AZ-P2-S026** | **NMLS Consumer Access information home.** [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com) | **D/F: zero readable lines.** Obtain current public instructions; an information-page title is not a functioning lookup. |\n| **S_AZ-P2-S027** | **DIFI 2024 renewal-instructions route.** [https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf](https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf?utm_source=chatgpt.com) | **D/F: 403.** Filename indicates an older candidate, but its full contents/version were not read. It cannot establish post-chapter-222 procedure; locate its current replacement. |\n\n## C. Claim register\n\nIn this table, abbreviated source references such as **S001** mean **S_AZ-P2-S001**.\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness and confidence limits |\n| --- | --- | --- | --- |\n| **S_AZ-P2-C001** | § 6-706(B) retains June 30 permissive renewal-without-investigation language; it does not expressly require every licensee to pay by June 30. | S001, § 6-706(B) | High confidence in text. Present operational effect remains unresolved. |\n| **S_AZ-P2-C002** | § 6-707(C) establishes December 31 expiration and renewal application, with the prescribed fee accompanying the application. | S001, § 6-707(C); S003, § 2 | High textual confidence; not an individual approval or pending-application determination. |\n| **S_AZ-P2-C003** | R20-4-602(C) requires December 31 delivery, separate location renewals and accompanying statutory fees. | S005, printed p. 21; S006, p. 126 | Current operative published procedure; portal mechanics not thereby verified. |\n| **S_AZ-P2-C004** | Laws 2023, chapter 152 aligned §§ 6-706(B) and 6-707(C) at June 30. | S002, §§ 3–4 | Historical enacted change, not the current § 6-707 deadline. |\n| **S_AZ-P2-C005** | Chapter 222 changed § 6-707 to December 31 but did not amend § 6-706 or § 6-126. | S003, amendment list and § 2; S008, Title 6 block | High confidence within the enacted text and table checked. |\n| **S_AZ-P2-C006** | Chapter 222 § 17(A) defers qualifying current, active covered-license renewals to December 31, 2025. | S003, § 17(A) | Historical transition; qualification must be established. No revival of an ineligible license inferred. |\n| **S_AZ-P2-C007** | Approval/filing were June 25, 2025; general effectiveness September 26, 2025; enumerated retroactivity starts January 1, 2025. | S003, § 17(C), approval/file notations; S004; S007, provision 26 | These are distinct dates and legal functions. |\n| **S_AZ-P2-C008** | No published primary authority expressly harmonizing the retained June 30 provision was verified. | S001–S007; targeted DIFI/AG/court searches; failed S018 | Bounded negative research result, not proof no authority exists. No second fee, mandatory investigation or implied repeal established. |\n| **S_AZ-P2-C009** | Nonrefundable filing components are $500 company, $250 branch and $250 agency. | S001, § 6-126(A)(14), (17), introductory sentence; § 6-706(A); S005, R602(A)(3) | Applicable valid filings only; excludes original annual assessment and system extras. |\n| **S_AZ-P2-C010** | Annual statutory components are $500 company plus $200 per branch; agency renewal equals branch renewal. | S001, § 6-126(D)(2), § 6-706(B) | Full annual components; no transition credit or checkout total inferred. |\n| **S_AZ-P2-C011** | Debt-management original annual assessment is payable on application under § 6-126(B), not substituted with subsection C’s financial-institution issuance rule. | S001, §§ 6-101(9), (11), 6-126(B)–(C); S005, R602(A)(4) | High confidence. Approval-quarter adjustment, if any, unverified. |\n| **S_AZ-P2-C012** | Original assessment is prorated by quarters remaining until next assessment/renewal; exact current date-to-quarter and combined-invoice treatment remain held. | S001, § 6-126(B), (D)(2); failed S012–S017 | Statutory input verified; exact operational quarter count and late-year payable amount unverified. |\n| **S_AZ-P2-C013** | Denial requires return of the prorated original assessment; § 6-708(A) covers denial/withdrawal allocation; annual renewal fees are nonrefundable. | S001, §§ 6-126(B), 6-708(A); S005, R602(A)(3)–(4) | Distinguish application/investigation and original license fees. Actual refund workflow/time not verified. |\n| **S_AZ-P2-C014** | § 6-123(8) permits NMLS processing charges; no current numerical extra or checkout total was verified. | S001, § 6-123(8); failed current operational sources | Authority for system charges is not evidence of an amount. |\n| **S_AZ-P2-C015** | Chapter 222 and the conforming rule do not supply a numerical 2025 transition credit, refund or additional-assessment formula. | S003, §§ 2, 17; S006, p. 124 item 10 | No “free extension,” extra half-year bill or credit amount inferred. Published billing evidence still needed. |\n| **S_AZ-P2-C016** | Statutory/rule application requirements were read, but complete current DIFI/NMLS application and renewal instructions were not retrieved. | S001, §§ 6-705–707; S005, R602; S012–S017, S022–S027 | Legal procedure answered; present submission channel/checklists held. |\n| **S_AZ-P2-C017** | April 2026 NMLS Arizona mandatory-transition announcement is a specific discovery lead, not verified operative procedure. | S017 | Title/indexed date observed; full notice, dates and conditions unread. |\n| **S_AZ-P2-C018** | The intended NMLS public service is documented; a working current Arizona lookup interface and provider status were not established. | S010–S011; failed S019–S021, S026 | Current CSBS description plus dated help document; live interface remains held. |\n| **S_AZ-P2-C019** | Historical application figures and older June-cycle/transition instructions cannot be adopted as current from the retrieved discovery evidence. | S012–S018, S022–S027; controlling S001–S006 | Full versions and current applicability missing. No indexed table promoted to billing authority. |\n| **S_AZ-P2-C020** | R20-4-603(A) retains July 1–June 30 reporting and August 15 delivery; December renewal does not itself change that reporting rule. | S005, printed p. 21, R603(A) | Carried-forward boundary only; full reporting-compliance review excluded. |\n| **S_AZ-P2-C021** | Relevant posted statutory text was checked against the 2025 and 2026 section-affected tables; those tables list no intervening fee or § 6-706 amendment. | S001 compilation disclaimer; S008–S009, Title 6 entries | Bounded currentness support, not an exhaustive certification of all possible authority. |\n| **S_AZ-P2-C022** | One company, one branch and one agency have $900 in full annual statutory renewal components under the verified rates. | S001, § 6-126(D)(2), § 6-706(B); S005, R602(C) | Arithmetic only under stated assumptions; not a current invoice or authorization. |\n| **S_AZ-P2-C023** | The R602 renewal amendment’s effective date remains February 9, 2026, supported by the final notice. | S006, p. 123 item 4 and p. 126 | PASS-01 finding preserved. No unresolved year issue is asserted. |\n\n## D. Bounded examples, dependency map and component coverage\n\n### D1. Plain-text examples limited to this pass\n\n**Example 1 — ordinary annual renewal components for the December 31, 2026 cycle**\n\nAssumptions: one existing company license, one branch and one agency all require ordinary annual renewal; the verified law remains applicable; no prior-payment credit or special adjustment is assumed.\n\nInputs: company annual component $500; branch component $200; agency component $200.\n\nOperator and intermediate result: $200 + $200 = $400 in additional-location components.\n\nResult: $500 + $400 = **$900 USD in statutory annual renewal components**.\n\nRounding: none.\n\nLegal condition: R20-4-602(C) requires a separate renewal application for each authorized location, with the applicable fee. This calculation does not identify a portal checkout amount or assume system charges are zero. **[S_AZ-P2-C003, C010, C014, C022]**\n\n**Example 2 — an October 22, 2026 initial application: fixed component established, prorated invoice held**\n\nAssumption: a valid company application is filed on that date.\n\nEstablished fixed filing component: 1 application × $500 = **$500 USD**, nonrefundable.\n\nAdditional original assessment: the annual company base is $500. The statutory arithmetic is $500 × applicable quarters ÷ 4.\n\nMissing input: the verified operational quarter count and any current late-year billing treatment.\n\nResult: **the total initial invoice is held**. This pass does not select a quarter count or calculate an asserted payable total. A separate valid branch or agency application has its own $250 filing component; its assessment must also be determined under the applicable procedure. Rounding for the unresolved assessment is not supplied. **[S_AZ-P2-C009, C011–C012, C014]**\n\n**Example 3 — previously paid 2025 renewal amount**\n\nAssumptions: a hypothetical license qualifies under chapter 222 § 17(A), and the holder had already paid $500 before the former June renewal date.\n\nEstablished result: the qualifying renewal date moved to December 31, 2025.\n\nMissing operation: the official rule for crediting, reallocating or otherwise treating the previous payment.\n\nResult: **no net additional payment or refund is calculated**. Neither $0 nor a half-year adjustment follows from the timing amendment alone. The previously paid amount cannot be subtracted from a later invoice without the missing billing evidence. **[S_AZ-P2-C006, C013, C015]**\n\n### D2. PASS-01 patch and dependency map\n\n| Actual PASS-01 record | PASS-02 treatment | PASS-02 dependencies |\n| --- | --- | --- |\n| **S_AZ-P1-C031** | Statutory amounts retained. Application-versus-issuance distinction and refund allocation clarified. Operational totals remain held. | **C009–C014, C022**; S001, S005 |\n| **S_AZ-P1-C032** | December 31 finding retained. New 2023 enactment history explains the divergence. Residual June 30 interpretation remains unresolved. | **C001–C008**; S001–S007 |\n| **S_AZ-P1-C033** | February 9, 2026 final-rule effective date retained accurately; August 15 reporting boundary retained. No purported unresolved year question. | **C020, C023**; S005–S006 |\n| **S_AZ-P1-C035** | Operational hold remains. Added specific 2026 transition lead and readable general public-lookup support, without treating either as current Arizona procedure or a successful lookup. | **C016–C019**; S010–S027 |\n\nThe supplied PASS-01 source records map as follows:\n\n| Supplied PASS-01 source ID | Corresponding PASS-02 record |\n| --- | --- |\n| **S_AZ-P1-S001** | **S_AZ-P2-S001** — relevant provisions freshly read; § 6-123(8) added for this pass |\n| **S_AZ-P1-S003** | **S_AZ-P2-S005** |\n| **S_AZ-P1-S005** | **S_AZ-P2-S006** |\n| **S_AZ-P1-S006** | **S_AZ-P2-S003** |\n| **S_AZ-P1-S021** | **S_AZ-P2-S012** |\n| **S_AZ-P1-S022** | **S_AZ-P2-S013** |\n| **S_AZ-P1-S023** | **S_AZ-P2-S014** |\n| **S_AZ-P1-S024** | **S_AZ-P2-S015** |\n| **S_AZ-P1-S026** | **S_AZ-P2-S019** |\n| **S_AZ-P1-S027** | **S_AZ-P2-S020** |\n| **S_AZ-P1-S028** | **S_AZ-P2-S021** |\n\n### D3. Full PASS-02 component coverage and exact remaining investigations\n\n| Component | Status | Claim IDs | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| December 31 statutory expiration/application and accompanying fee | **Answered** | C002–C003 | No further evidence needed for the published dates; individual renewal status is a separate matter. |\n| Retained June 30/no-investigation provision | **Partial; interpretive consequence unresolved** | C001, C004–C005, C008 | Published DIFI interpretation, AG opinion or decision expressly explaining the surviving provision, including early renewal, investigation and payment-credit treatment. |\n| Chapter 222 amendment, qualified transition and distinct dates | **Answered** | C005–C007 | No portal implementation date inferred. |\n| February 9, 2026 rule effective date | **Answered; carried forward** | C023 | No year-dispute rerun needed. |\n| 2025 transition billing and previous-payment credits | **Held** | C015 | Official transition invoice/credit instructions identifying covered periods and treatment of payments already made. |\n| Fixed company, branch and agency charges | **Answered at statutory-component level** | C009–C010, C022 | Current operational invoice remains separate. |\n| Initial assessment payment event | **Answered** | C011 | Any later recalculation must be established by additional official instructions. |\n| Date-specific proration, partial quarters and late-year combined billing | **Held** | C012 | Complete current fee table/checklist, effective period, quarter inclusion rule, approval-crossing rule and following-year allocation. |\n| Denial/withdrawal/renewal refund distinctions | **Answered at statutory level** | C013 | Current refund-request procedure and processing time remain unverified. |\n| Current company, branch and agency application/renewal instructions | **Partial; prescribed-form rule read, operational materials held** | C016, C019 | Complete current DIFI/NMLS checklists and public filing instructions; resolve obsolete dual-system instructions. |\n| April 2026 NMLS transition | **Held; specific lead found** | C017 | Full official April 13, 2026 notice and linked Arizona transition documents. |\n| Working public license lookup | **Partial; intended service documented, functionality held** | C018 | Readable current DIFI landing page and public search interface through its official link. No named-provider clearance authorized or performed. |\n| NMLS/system extras and checkout totals | **Held** | C014 | Applicable current public fee schedule and transaction-specific instructions. No zero-extra assumption. |\n| Annual-report date versus renewal date | **Answered boundary only** | C020 | Full reporting compliance remains outside this narrow pass. |\n| Consumer fees, TSR/CROA and JHass/classification analysis | **Excluded from PASS-02** | PASS-01 dependencies unchanged | Separate components; no repeated substantive analysis here. |\n| Agreement/funds/bond/remedies; full collection/litigation/limitations/exemptions/secured debt/sector/local/tribal/contract/case-law coverage | **Open; excluded from this pass** | No acceptance claim | Continue their separately required investigations. This pass closes none by implication. |\n\n## E. Researcher self-check\n\n**Actually read:** the identified Title 6 statutory passages; the relevant 2023 and 2025 enacted amendments; approval and filing notations; official general-effective-date rows; R20-4-602 and the reporting-date boundary; the final rulemaking’s relevant preamble and operative amendment; the signed House summary; relevant 2025/2026 section-affected entries; CSBS’s public-service description; and the dated NMLS help document.\n\n**Not successfully read:** the complete current DIFI fee and instruction section, blocked application and renewal PDFs, current NMLS Arizona checklists, the complete April 2026 transition notice, the full 2025-05 bulletin, current transition billing instructions, or a functioning public search interface. Their search excerpts were treated as discovery only. No inaccessible bulletin wording was declared an actual document error.\n\n**Interpretation limits:** the distinction between the no-investigation language and the December application procedure is expressly labeled a textual inference. Targeted primary-source searching is not a formal citator clearance or proof that no other interpretation exists. The unresolved operational consequences remain visible.\n\n**Method and boundaries:** research continued in this conversation with ordinary browsing and internal parallel research assistance; no Deep Research was used. I do not claim to have independently verified or changed the displayed model. The browser-control skill requires Work mode for navigation, so no mode handoff or interactive browser test was performed under the regular-Chat constraint. No account, application, payment, contact, CAPTCHA workaround, private facts or named-provider clearance was involved. No local-write or publication-readiness claim is made.\n\nThis is a **researcher self-check, not an independent review**. The residual statutory interpretation, current operational procedure, live lookup and exact prorated billing holds remain open.\n\nEND S_AZ PASS-02.\n\n","tables":[{"headers":["Provision","Actual operative content","Established consequence"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Provision","Actual operative content","Established consequence"],["A.R.S. § 6-706(B)","On or before June 30 each year, a licensee “may obtain a renewal of each license without investigation by payment” of the prescribed fee. Agency renewal fees equal branch renewal fees.","Retains a permissive provision concerning renewal without investigation. It does not say every licensee shall pay by June 30."],["A.R.S. § 6-707(C)","Licenses expire December 31 following issuance, unless sooner surrendered, revoked or suspended. Renewal applications must be filed on or before December 31, on the prescribed form, with the prescribed fee.","Establishes December 31 expiration and the renewal-application date."],["A.A.C. R20-4-602(C)","Requires delivery of the prescribed renewal application by December 31; a separate renewal application for each authorized business location; and the fee described in § 6-706 and specified in § 6-126(D)(2).","Expressly joins the December 31 application procedure with its accompanying renewal fee while continuing to reference § 6-706."]]},{"headers":["Event or provision","Verified effect","Limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event or provision","Verified effect","Limitation"],["§ 2: amendment of § 6-707(C)","Replaces June 30 with December 31 for expiration and renewal applications.","Does not amend § 6-706 or the fee amounts in § 6-126."],["§ 17(A): 2025 transition","A holder of a current, active covered license otherwise subject to renewal June 30 or September 30, 2025 need not renew until December 31, 2025. Section 6-707 licenses are expressly included.","The condition is a current, active covered license. This is not proof of relief for an expired, suspended or otherwise ineligible license."],["§ 17(C): retroactive application","The enumerated amended statutes, including § 6-707, apply from after December 31, 2024—January 1, 2025.","Retroactivity is expressly attached to the listed amended statutes. It is not the act’s approval or publication date."],["Governor’s approval","June 25, 2025.","Distinct from general effectiveness."],["Secretary of State filing","June 25, 2025.","Distinct from website posting and the later rulemaking publication."],["General effective date","September 26, 2025, for the 2025 regular session.","Read with the express retroactivity provision."],["Conforming rule publication","January 2, 2026, 32 A.A.R. 123–126.","Publication is not the rule’s effective date."],["Conforming rule effective date","February 9, 2026.","Carried forward accurately from PASS-01’s selected final-notice support. The Code history’s inconsistent 2025 year is not reopened as an unresolved question."]]},{"headers":["Event","Verified statutory component","Authority"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Event","Verified statutory component","Authority"],["Company application","$500, nonrefundable, with filing","§ 6-126(A), introductory sentence and (14)"],["Branch application","$250 per branch, nonrefundable, with filing","§ 6-126(A), introductory sentence and (17)"],["Agency application","Same application component as a branch: $250","§ 6-706(A)"],["Annual company assessment/renewal","$500","§ 6-126(D)(2)"],["Annual branch component","$200 per branch","§ 6-126(D)(2)"],["Annual agency renewal component","Same as branch: $200 per agency","§ 6-706(B)"],["Original annual assessment","Prorated according to quarters remaining until the next annual assessment or renewal","§ 6-126(B); R20-4-602(A)(4)"]]},{"headers":["Source ID","Document, issuer and direct literal URL","Actual pinpoint, version, status and limits"],"index":3,"links":[{"href":"https://www.azleg.gov/arsDetail/?title=6&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=6"},{"href":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm"},{"href":"https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm"},{"href":"https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com","text":"https://www.azleg.gov/general-effective-dates/"},{"href":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf"},{"href":"https://apps.azsos.gov/public_services/register/2026/1/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2026/1/contents.pdf"},{"href":"https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf"},{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf"},{"href":"https://www.csbs.org/nationwide-multistate-licensing-system-nmls?utm_source=chatgpt.com","text":"https://www.csbs.org/nationwide-multistate-licensing-system-nmls"},{"href":"https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf?utm_source=chatgpt.com","text":"https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf"}],"row_links":[[],[{"href":"https://www.azleg.gov/arsDetail/?title=6&utm_source=chatgpt.com","text":"https://www.azleg.gov/arsDetail/?title=6"}],[{"href":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm"}],[{"href":"https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm"}],[{"href":"https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com","text":"https://www.azleg.gov/general-effective-dates/"}],[{"href":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/Title_20/20-04.pdf"}],[{"href":"https://apps.azsos.gov/public_services/register/2026/1/contents.pdf?utm_source=chatgpt.com","text":"https://apps.azsos.gov/public_services/register/2026/1/contents.pdf"}],[{"href":"https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf"}],[{"href":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com","text":"https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf"}],[{"href":"https://www.csbs.org/nationwide-multistate-licensing-system-nmls?utm_source=chatgpt.com","text":"https://www.csbs.org/nationwide-multistate-licensing-system-nmls"}],[{"href":"https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf?utm_source=chatgpt.com","text":"https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf"}]],"rows":[["Source ID","Document, issuer and direct literal URL","Actual pinpoint, version, status and limits"],["S_AZ-P2-S001","Arizona Revised Statutes, Title 6 — Arizona Legislature. https://www.azleg.gov/arsDetail/?title=6","R. Sections mapped below. Current posted compilation; its disclaimer describes a January-following-session drafting compilation. Relevant currentness was checked against S008–S009. The index alone is not substantive authority."],["S_AZ-P2-S002","Laws 2023, chapter 152, HB2010. https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","R. §§ 3–4, approval and filing notations. Historical enacted amendments: June 30 alignment. Approved May 19, 2023; filed May 22, 2023."],["S_AZ-P2-S003","Laws 2025, chapter 222, HB2054. https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm","R. § 2; § 17(A), (C); act’s amendment list and approval/file notations. December 31 amendment; conditioned 2025 transition; enumerated retroactivity. Approved/filed June 25, 2025."],["S_AZ-P2-S004","General Effective Dates — Arizona Legislature. https://www.azleg.gov/general-effective-dates/","R. 2025 and 2023 regular-session rows. September 26, 2025 and October 30, 2023, respectively. Does not replace special effective or retroactivity provisions."],["S_AZ-P2-S005","20 A.A.C. 4, Supplement 25-4 — Arizona Secretary of State. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","R. Printed pp. 20–21, R20-4-602(A)–(D), R20-4-603(A), and relevant history. Current posted Code. The already-resolved history-year discrepancy is governed by S006."],["S_AZ-P2-S006","Notice of Final Rulemaking, R25-296 — DIFI/SOS; 32 A.A.R. 123–126. https://apps.azsos.gov/public_services/register/2026/1/contents.pdf","R. P. 123 items 3–4; p. 124 items 7, 10–12; p. 126 R20-4-602(C). Published January 2, 2026; effective February 9, 2026. Explains conformity to chapter 222, not residual § 6-706(B) harmonization or billing credits."],["S_AZ-P2-S007","HB2054 signed House summary — Arizona House of Representatives. https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm","R. Provisions 4, 25–26. Signed-summary version identified by June 30, 2025 filename. Legislative explanation of December renewal and January 1, 2025 retroactivity; not controlling enacted text or an operational instruction."],["S_AZ-P2-S008","2025 Table of Sections Affected — Arizona Legislative Council. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","R. Cover and Title 6 entries, pp. 1–2. Chapters 1–265, July 18, 2025. Lists § 6-707/chapter 222; no listed amendment of §§ 6-126 or 6-706. Bounded to this table."],["S_AZ-P2-S009","2026 Table of Sections Affected — Arizona Legislative Council. https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","R. Cover and Title 6 block, p. 2. Chapters 1–264, August 19, 2026. The Title 6 entries concern credit-union sections; none lists the renewal/fee provisions used here. Not an unlimited certification against every possible later authority."],["S_AZ-P2-S010","Nationwide Multistate Licensing System — CSBS. https://www.csbs.org/nationwide-multistate-licensing-system-nmls","R. “About NMLS” and “NMLS Consumer Access.” Current accessible informational page; no legal effective date stated. Supports the intended public service, not current Arizona checklist requirements or successful search functionality."],["S_AZ-P2-S011","NMLS Help Document, State Regulatory Actions — official copy hosted by CFPB. https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf","R. Four-page document, dated August 7, 2024; public instructions pp. 3–4, steps 1–4. Dated public navigation guidance. Does not prove today’s interface or Arizona record completeness."]]},{"headers":["Section and actual pinpoint","Direct literal URL"],"index":4,"links":[{"href":"https://www.azleg.gov/ars/6/00101.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00101.htm"},{"href":"https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00123.htm"},{"href":"https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00126.htm"},{"href":"https://www.azleg.gov/ars/6/00705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00705.htm"},{"href":"https://www.azleg.gov/ars/6/00706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00706.htm"},{"href":"https://www.azleg.gov/ars/6/00707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00707.htm"},{"href":"https://www.azleg.gov/ars/6/00708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00708.htm"}],"row_links":[[],[{"href":"https://www.azleg.gov/ars/6/00101.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00101.htm"}],[{"href":"https://www.azleg.gov/ars/6/00123.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00123.htm"}],[{"href":"https://www.azleg.gov/ars/6/00126.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00126.htm"}],[{"href":"https://www.azleg.gov/ars/6/00705.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00705.htm"}],[{"href":"https://www.azleg.gov/ars/6/00706.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00706.htm"}],[{"href":"https://www.azleg.gov/ars/6/00707.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00707.htm"}],[{"href":"https://www.azleg.gov/ars/6/00708.htm?utm_source=chatgpt.com","text":"https://www.azleg.gov/ars/6/00708.htm"}]],"rows":[["Section and actual pinpoint","Direct literal URL"],["§ 6-101(9), (11): enterprise/financial-institution distinction","https://www.azleg.gov/ars/6/00101.htm"],["§ 6-123(8): NMLS use and system-processing authority","https://www.azleg.gov/ars/6/00123.htm"],["§ 6-126(A) introductory sentence, (14), (17), (B), (C), (D)(2)","https://www.azleg.gov/ars/6/00126.htm"],["§ 6-705: branch/agency application","https://www.azleg.gov/ars/6/00705.htm"],["§ 6-706(A)–(B): filing payment, agency parity, retained June 30 wording","https://www.azleg.gov/ars/6/00706.htm"],["§ 6-707(C): expiration, renewal application and fee","https://www.azleg.gov/ars/6/00707.htm"],["§ 6-708(A): denial/withdrawal allocation","https://www.azleg.gov/ars/6/00708.htm"]]},{"headers":["Source ID","Document and exact attempted URL","Actual result, status limit and next action"],"index":5,"links":[{"href":"https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing/financial-enterprises"},{"href":"https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf"},{"href":"https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx"},{"href":"https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf"},{"href":"https://difi.az.gov/license-search","text":"https://difi.az.gov/license-search"},{"href":"https://azdifi.portalus.thentiacloud.net/","text":"https://azdifi.portalus.thentiacloud.net"},{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://nmlsconsumeraccess.org/","text":"https://nmlsconsumeraccess.org/"},{"href":"https://difi.az.gov/debt-management-companies-nmls?utm_source=chatgpt.com","text":"https://difi.az.gov/debt-management-companies-nmls"},{"href":"https://difi.az.gov/industry/financial-enterprises/debt-management-companies?utm_source=chatgpt.com","text":"https://difi.az.gov/industry/financial-enterprises/debt-management-companies"},{"href":"https://difi.az.gov/licensing-document-library?page=2","text":"https://difi.az.gov/licensing-document-library?page=2"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx"},{"href":"https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf"}],"row_links":[[],[{"href":"https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com","text":"https://difi.az.gov/licensing/financial-enterprises"}],[{"href":"https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf"}],[{"href":"https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx"}],[{"href":"https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf"}],[{"href":"https://difi.az.gov/license-search","text":"https://difi.az.gov/license-search"}],[{"href":"https://azdifi.portalus.thentiacloud.net/","text":"https://azdifi.portalus.thentiacloud.net"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://nmlsconsumeraccess.org/","text":"https://nmlsconsumeraccess.org/"}],[{"href":"https://difi.az.gov/debt-management-companies-nmls?utm_source=chatgpt.com","text":"https://difi.az.gov/debt-management-companies-nmls"}],[{"href":"https://difi.az.gov/industry/financial-enterprises/debt-management-companies?utm_source=chatgpt.com","text":"https://difi.az.gov/industry/financial-enterprises/debt-management-companies"}],[{"href":"https://difi.az.gov/licensing-document-library?page=2","text":"https://difi.az.gov/licensing-document-library?page=2"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx"}],[{"href":"https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf?utm_source=chatgpt.com","text":"https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf"}]],"rows":[["Source ID","Document and exact attempted URL","Actual result, status limit and next action"],["S_AZ-P2-S012","DIFI Financial Enterprises licensing. https://difi.az.gov/licensing/financial-enterprises","D/F: 403. The https://www.difi.az.gov/licensing/financial-enterprises variant was also inaccessible through the tool. Read the complete current Debt Management section and all fee-table footnotes before using its portal or proration instructions."],["S_AZ-P2-S013","DIFI Debt Management Application Requirements. https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf","D/F: 403. Version and present applicability unverified. Obtain the complete official current document or its replacement."],["S_AZ-P2-S014","DIFI historical application supplement. https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf","D/F: 403. Historical indexed figures are not current fee authority. Find the current replacement and compare its revision date and statutory references."],["S_AZ-P2-S015","NMLS Arizona Debt Management company checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf","D/F: redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx; zero readable checklist lines. Retrieve the presently operative company and branch checklists from the replacement resource center."],["S_AZ-P2-S016","NMLS Arizona renewal checklist, legacy route. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf","D/F: same generic resource-center redirect; zero readable checklist lines. Older indexed renewal dates are not adopted. Retrieve a current Arizona renewal checklist with its revision date."],["S_AZ-P2-S017","NMLS State & Agency News. https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx","D/F: normalized to the same path with literal &; zero readable lines. April 13, 2026 Arizona transition entry is discovery only. Read the full notice, effective/transition dates and linked instructions."],["S_AZ-P2-S018","DIFI Regulatory Bulletin 2025-05, 2025 Arizona Insurance and Financial Institutions Laws. https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf","D/F: 403. Full HB2054 discussion not read. Retrieve the complete bulletin and any correction; do not substitute its indexed wording for chapter 222."],["S_AZ-P2-S019","DIFI License Search. https://difi.az.gov/license-search","D/F: 403. Read the current public search landing page and its officially linked interface. No current search workflow or provider status established."],["S_AZ-P2-S020","DIFI Thentia portal root. https://azdifi.portalus.thentiacloud.net","D/F: 405 Method Not Allowed. Obtain the currently published public-register route from DIFI; the portal root is not proof of a working public lookup. No account accessed."],["S_AZ-P2-S021","NMLS Consumer Access. https://www.nmlsconsumeraccess.org/ and https://nmlsconsumeraccess.org/","D/F: both returned 404 through the tool. Next evidence is a publicly rendered official search interface. This does not prove a general service outage."],["S_AZ-P2-S022","DIFI Debt Management Companies—NMLS. https://difi.az.gov/debt-management-companies-nmls","D/F: 403. Do not carry forward indexed optional-transition language without a readable current version and comparison with S017."],["S_AZ-P2-S023","DIFI debt-management industry page. https://difi.az.gov/industry/financial-enterprises/debt-management-companies","D/F: 403. Version and continuing operational applicability unverified; locate its official current replacement."],["S_AZ-P2-S024","DIFI licensing document library, page 2. https://difi.az.gov/licensing-document-library?page=2","D/F: 403. Could not extract current replacement-document links. Read the directory when publicly retrievable."],["S_AZ-P2-S025","NMLS Arizona licensing directory. https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ","D/F: redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=AZ, zero readable lines. The /slr/SitePages/DynamicLicenses.aspx?StateID=AZ variant was inaccessible. Retrieve the actual Arizona license-type/checklist directory."],["S_AZ-P2-S026","NMLS Consumer Access information home. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","D/F: zero readable lines. Obtain current public instructions; an information-page title is not a functioning lookup."],["S_AZ-P2-S027","DIFI 2024 renewal-instructions route. https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf","D/F: 403. Filename indicates an older candidate, but its full contents/version were not read. It cannot establish post-chapter-222 procedure; locate its current replacement."]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness and confidence limits"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness and confidence limits"],["S_AZ-P2-C001","§ 6-706(B) retains June 30 permissive renewal-without-investigation language; it does not expressly require every licensee to pay by June 30.","S001, § 6-706(B)","High confidence in text. Present operational effect remains unresolved."],["S_AZ-P2-C002","§ 6-707(C) establishes December 31 expiration and renewal application, with the prescribed fee accompanying the application.","S001, § 6-707(C); S003, § 2","High textual confidence; not an individual approval or pending-application determination."],["S_AZ-P2-C003","R20-4-602(C) requires December 31 delivery, separate location renewals and accompanying statutory fees.","S005, printed p. 21; S006, p. 126","Current operative published procedure; portal mechanics not thereby verified."],["S_AZ-P2-C004","Laws 2023, chapter 152 aligned §§ 6-706(B) and 6-707(C) at June 30.","S002, §§ 3–4","Historical enacted change, not the current § 6-707 deadline."],["S_AZ-P2-C005","Chapter 222 changed § 6-707 to December 31 but did not amend § 6-706 or § 6-126.","S003, amendment list and § 2; S008, Title 6 block","High confidence within the enacted text and table checked."],["S_AZ-P2-C006","Chapter 222 § 17(A) defers qualifying current, active covered-license renewals to December 31, 2025.","S003, § 17(A)","Historical transition; qualification must be established. No revival of an ineligible license inferred."],["S_AZ-P2-C007","Approval/filing were June 25, 2025; general effectiveness September 26, 2025; enumerated retroactivity starts January 1, 2025.","S003, § 17(C), approval/file notations; S004; S007, provision 26","These are distinct dates and legal functions."],["S_AZ-P2-C008","No published primary authority expressly harmonizing the retained June 30 provision was verified.","S001–S007; targeted DIFI/AG/court searches; failed S018","Bounded negative research result, not proof no authority exists. No second fee, mandatory investigation or implied repeal established."],["S_AZ-P2-C009","Nonrefundable filing components are $500 company, $250 branch and $250 agency.","S001, § 6-126(A)(14), (17), introductory sentence; § 6-706(A); S005, R602(A)(3)","Applicable valid filings only; excludes original annual assessment and system extras."],["S_AZ-P2-C010","Annual statutory components are $500 company plus $200 per branch; agency renewal equals branch renewal.","S001, § 6-126(D)(2), § 6-706(B)","Full annual components; no transition credit or checkout total inferred."],["S_AZ-P2-C011","Debt-management original annual assessment is payable on application under § 6-126(B), not substituted with subsection C’s financial-institution issuance rule.","S001, §§ 6-101(9), (11), 6-126(B)–(C); S005, R602(A)(4)","High confidence. Approval-quarter adjustment, if any, unverified."],["S_AZ-P2-C012","Original assessment is prorated by quarters remaining until next assessment/renewal; exact current date-to-quarter and combined-invoice treatment remain held.","S001, § 6-126(B), (D)(2); failed S012–S017","Statutory input verified; exact operational quarter count and late-year payable amount unverified."],["S_AZ-P2-C013","Denial requires return of the prorated original assessment; § 6-708(A) covers denial/withdrawal allocation; annual renewal fees are nonrefundable.","S001, §§ 6-126(B), 6-708(A); S005, R602(A)(3)–(4)","Distinguish application/investigation and original license fees. Actual refund workflow/time not verified."],["S_AZ-P2-C014","§ 6-123(8) permits NMLS processing charges; no current numerical extra or checkout total was verified.","S001, § 6-123(8); failed current operational sources","Authority for system charges is not evidence of an amount."],["S_AZ-P2-C015","Chapter 222 and the conforming rule do not supply a numerical 2025 transition credit, refund or additional-assessment formula.","S003, §§ 2, 17; S006, p. 124 item 10","No “free extension,” extra half-year bill or credit amount inferred. Published billing evidence still needed."],["S_AZ-P2-C016","Statutory/rule application requirements were read, but complete current DIFI/NMLS application and renewal instructions were not retrieved.","S001, §§ 6-705–707; S005, R602; S012–S017, S022–S027","Legal procedure answered; present submission channel/checklists held."],["S_AZ-P2-C017","April 2026 NMLS Arizona mandatory-transition announcement is a specific discovery lead, not verified operative procedure.","S017","Title/indexed date observed; full notice, dates and conditions unread."],["S_AZ-P2-C018","The intended NMLS public service is documented; a working current Arizona lookup interface and provider status were not established.","S010–S011; failed S019–S021, S026","Current CSBS description plus dated help document; live interface remains held."],["S_AZ-P2-C019","Historical application figures and older June-cycle/transition instructions cannot be adopted as current from the retrieved discovery evidence.","S012–S018, S022–S027; controlling S001–S006","Full versions and current applicability missing. No indexed table promoted to billing authority."],["S_AZ-P2-C020","R20-4-603(A) retains July 1–June 30 reporting and August 15 delivery; December renewal does not itself change that reporting rule.","S005, printed p. 21, R603(A)","Carried-forward boundary only; full reporting-compliance review excluded."],["S_AZ-P2-C021","Relevant posted statutory text was checked against the 2025 and 2026 section-affected tables; those tables list no intervening fee or § 6-706 amendment.","S001 compilation disclaimer; S008–S009, Title 6 entries","Bounded currentness support, not an exhaustive certification of all possible authority."],["S_AZ-P2-C022","One company, one branch and one agency have $900 in full annual statutory renewal components under the verified rates.","S001, § 6-126(D)(2), § 6-706(B); S005, R602(C)","Arithmetic only under stated assumptions; not a current invoice or authorization."],["S_AZ-P2-C023","The R602 renewal amendment’s effective date remains February 9, 2026, supported by the final notice.","S006, p. 123 item 4 and p. 126","PASS-01 finding preserved. No unresolved year issue is asserted."]]},{"headers":["Actual PASS-01 record","PASS-02 treatment","PASS-02 dependencies"],"index":7,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Actual PASS-01 record","PASS-02 treatment","PASS-02 dependencies"],["S_AZ-P1-C031","Statutory amounts retained. Application-versus-issuance distinction and refund allocation clarified. Operational totals remain held.","C009–C014, C022; S001, S005"],["S_AZ-P1-C032","December 31 finding retained. New 2023 enactment history explains the divergence. Residual June 30 interpretation remains unresolved.","C001–C008; S001–S007"],["S_AZ-P1-C033","February 9, 2026 final-rule effective date retained accurately; August 15 reporting boundary retained. No purported unresolved year question.","C020, C023; S005–S006"],["S_AZ-P1-C035","Operational hold remains. Added specific 2026 transition lead and readable general public-lookup support, without treating either as current Arizona procedure or a successful lookup.","C016–C019; S010–S027"]]},{"headers":["Supplied PASS-01 source ID","Corresponding PASS-02 record"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Supplied PASS-01 source ID","Corresponding PASS-02 record"],["S_AZ-P1-S001","S_AZ-P2-S001 — relevant provisions freshly read; § 6-123(8) added for this pass"],["S_AZ-P1-S003","S_AZ-P2-S005"],["S_AZ-P1-S005","S_AZ-P2-S006"],["S_AZ-P1-S006","S_AZ-P2-S003"],["S_AZ-P1-S021","S_AZ-P2-S012"],["S_AZ-P1-S022","S_AZ-P2-S013"],["S_AZ-P1-S023","S_AZ-P2-S014"],["S_AZ-P1-S024","S_AZ-P2-S015"],["S_AZ-P1-S026","S_AZ-P2-S019"],["S_AZ-P1-S027","S_AZ-P2-S020"],["S_AZ-P1-S028","S_AZ-P2-S021"]]},{"headers":["Component","Status","Claim IDs","Exact remaining evidence or next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claim IDs","Exact remaining evidence or next action"],["December 31 statutory expiration/application and accompanying fee","Answered","C002–C003","No further evidence needed for the published dates; individual renewal status is a separate matter."],["Retained June 30/no-investigation provision","Partial; interpretive consequence unresolved","C001, C004–C005, C008","Published DIFI interpretation, AG opinion or decision expressly explaining the surviving provision, including early renewal, investigation and payment-credit treatment."],["Chapter 222 amendment, qualified transition and distinct dates","Answered","C005–C007","No portal implementation date inferred."],["February 9, 2026 rule effective date","Answered; carried forward","C023","No year-dispute rerun needed."],["2025 transition billing and previous-payment credits","Held","C015","Official transition invoice/credit instructions identifying covered periods and treatment of payments already made."],["Fixed company, branch and agency charges","Answered at statutory-component level","C009–C010, C022","Current operational invoice remains separate."],["Initial assessment payment event","Answered","C011","Any later recalculation must be established by additional official instructions."],["Date-specific proration, partial quarters and late-year combined billing","Held","C012","Complete current fee table/checklist, effective period, quarter inclusion rule, approval-crossing rule and following-year allocation."],["Denial/withdrawal/renewal refund distinctions","Answered at statutory level","C013","Current refund-request procedure and processing time remain unverified."],["Current company, branch and agency application/renewal instructions","Partial; prescribed-form rule read, operational materials held","C016, C019","Complete current DIFI/NMLS checklists and public filing instructions; resolve obsolete dual-system instructions."],["April 2026 NMLS transition","Held; specific lead found","C017","Full official April 13, 2026 notice and linked Arizona transition documents."],["Working public license lookup","Partial; intended service documented, functionality held","C018","Readable current DIFI landing page and public search interface through its official link. No named-provider clearance authorized or performed."],["NMLS/system extras and checkout totals","Held","C014","Applicable current public fee schedule and transaction-specific instructions. No zero-extra assumption."],["Annual-report date versus renewal date","Answered boundary only","C020","Full reporting compliance remains outside this narrow pass."],["Consumer fees, TSR/CROA and JHass/classification analysis","Excluded from PASS-02","PASS-01 dependencies unchanged","Separate components; no repeated substantive analysis here."],["Agreement/funds/bond/remedies; full collection/litigation/limitations/exemptions/secured debt/sector/local/tribal/contract/case-law coverage","Open; excluded from this pass","No acceptance claim","Continue their separately required investigations. This pass closes none by implication."]]}],"claims":[{"claim_id":"S_AZ-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C001","Precise assertion":"§ 6-706(B) retains June 30 permissive renewal-without-investigation language; it does not expressly require every licensee to pay by June 30.","Sources and pinpoints":"S001, § 6-706(B)","Conditions, currentness and confidence limits":"High confidence in text. Present operational effect remains unresolved."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C002","Precise assertion":"§ 6-707(C) establishes December 31 expiration and renewal application, with the prescribed fee accompanying the application.","Sources and pinpoints":"S001, § 6-707(C); S003, § 2","Conditions, currentness and confidence limits":"High textual confidence; not an individual approval or pending-application determination."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C003","Precise assertion":"R20-4-602(C) requires December 31 delivery, separate location renewals and accompanying statutory fees.","Sources and pinpoints":"S005, printed p. 21; S006, p. 126","Conditions, currentness and confidence limits":"Current operative published procedure; portal mechanics not thereby verified."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C004","Precise assertion":"Laws 2023, chapter 152 aligned §§ 6-706(B) and 6-707(C) at June 30.","Sources and pinpoints":"S002, §§ 3–4","Conditions, currentness and confidence limits":"Historical enacted change, not the current § 6-707 deadline."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C005","Precise assertion":"Chapter 222 changed § 6-707 to December 31 but did not amend § 6-706 or § 6-126.","Sources and pinpoints":"S003, amendment list and § 2; S008, Title 6 block","Conditions, currentness and confidence limits":"High confidence within the enacted text and table checked."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C006","Precise assertion":"Chapter 222 § 17(A) defers qualifying current, active covered-license renewals to December 31, 2025.","Sources and pinpoints":"S003, § 17(A)","Conditions, currentness and confidence limits":"Historical transition; qualification must be established. No revival of an ineligible license inferred."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C007","Precise assertion":"Approval/filing were June 25, 2025; general effectiveness September 26, 2025; enumerated retroactivity starts January 1, 2025.","Sources and pinpoints":"S003, § 17(C), approval/file notations; S004; S007, provision 26","Conditions, currentness and confidence limits":"These are distinct dates and legal functions."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C008","Precise assertion":"No published primary authority expressly harmonizing the retained June 30 provision was verified.","Sources and pinpoints":"S001–S007; targeted DIFI/AG/court searches; failed S018","Conditions, currentness and confidence limits":"Bounded negative research result, not proof no authority exists. No second fee, mandatory investigation or implied repeal established."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C009","Precise assertion":"Nonrefundable filing components are $500 company, $250 branch and $250 agency.","Sources and pinpoints":"S001, § 6-126(A)(14), (17), introductory sentence; § 6-706(A); S005, R602(A)(3)","Conditions, currentness and confidence limits":"Applicable valid filings only; excludes original annual assessment and system extras."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C010","Precise assertion":"Annual statutory components are $500 company plus $200 per branch; agency renewal equals branch renewal.","Sources and pinpoints":"S001, § 6-126(D)(2), § 6-706(B)","Conditions, currentness and confidence limits":"Full annual components; no transition credit or checkout total inferred."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C011","Precise assertion":"Debt-management original annual assessment is payable on application under § 6-126(B), not substituted with subsection C’s financial-institution issuance rule.","Sources and pinpoints":"S001, §§ 6-101(9), (11), 6-126(B)–(C); S005, R602(A)(4)","Conditions, currentness and confidence limits":"High confidence. Approval-quarter adjustment, if any, unverified."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C012","Precise assertion":"Original assessment is prorated by quarters remaining until next assessment/renewal; exact current date-to-quarter and combined-invoice treatment remain held.","Sources and pinpoints":"S001, § 6-126(B), (D)(2); failed S012–S017","Conditions, currentness and confidence limits":"Statutory input verified; exact operational quarter count and late-year payable amount unverified."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C013","Precise assertion":"Denial requires return of the prorated original assessment; § 6-708(A) covers denial/withdrawal allocation; annual renewal fees are nonrefundable.","Sources and pinpoints":"S001, §§ 6-126(B), 6-708(A); S005, R602(A)(3)–(4)","Conditions, currentness and confidence limits":"Distinguish application/investigation and original license fees. Actual refund workflow/time not verified."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C014","Precise assertion":"§ 6-123(8) permits NMLS processing charges; no current numerical extra or checkout total was verified.","Sources and pinpoints":"S001, § 6-123(8); failed current operational sources","Conditions, currentness and confidence limits":"Authority for system charges is not evidence of an amount."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C015","Precise assertion":"Chapter 222 and the conforming rule do not supply a numerical 2025 transition credit, refund or additional-assessment formula.","Sources and pinpoints":"S003, §§ 2, 17; S006, p. 124 item 10","Conditions, currentness and confidence limits":"No “free extension,” extra half-year bill or credit amount inferred. Published billing evidence still needed."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C016","Precise assertion":"Statutory/rule application requirements were read, but complete current DIFI/NMLS application and renewal instructions were not retrieved.","Sources and pinpoints":"S001, §§ 6-705–707; S005, R602; S012–S017, S022–S027","Conditions, currentness and confidence limits":"Legal procedure answered; present submission channel/checklists held."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C017","Precise assertion":"April 2026 NMLS Arizona mandatory-transition announcement is a specific discovery lead, not verified operative procedure.","Sources and pinpoints":"S017","Conditions, currentness and confidence limits":"Title/indexed date observed; full notice, dates and conditions unread."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C018","Precise assertion":"The intended NMLS public service is documented; a working current Arizona lookup interface and provider status were not established.","Sources and pinpoints":"S010–S011; failed S019–S021, S026","Conditions, currentness and confidence limits":"Current CSBS description plus dated help document; live interface remains held."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C019","Precise assertion":"Historical application figures and older June-cycle/transition instructions cannot be adopted as current from the retrieved discovery evidence.","Sources and pinpoints":"S012–S018, S022–S027; controlling S001–S006","Conditions, currentness and confidence limits":"Full versions and current applicability missing. No indexed table promoted to billing authority."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C020","Precise assertion":"R20-4-603(A) retains July 1–June 30 reporting and August 15 delivery; December renewal does not itself change that reporting rule.","Sources and pinpoints":"S005, printed p. 21, R603(A)","Conditions, currentness and confidence limits":"Carried-forward boundary only; full reporting-compliance review excluded."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C021","Precise assertion":"Relevant posted statutory text was checked against the 2025 and 2026 section-affected tables; those tables list no intervening fee or § 6-706 amendment.","Sources and pinpoints":"S001 compilation disclaimer; S008–S009, Title 6 entries","Conditions, currentness and confidence limits":"Bounded currentness support, not an exhaustive certification of all possible authority."},"coordinator_verification_status":"held_for_additional_source_verification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C022","Precise assertion":"One company, one branch and one agency have $900 in full annual statutory renewal components under the verified rates.","Sources and pinpoints":"S001, § 6-126(D)(2), § 6-706(B); S005, R602(C)","Conditions, currentness and confidence limits":"Arithmetic only under stated assumptions; not a current invoice or authorization."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_AZ-P2-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_AZ-P2-C023","Precise assertion":"The R602 renewal amendment’s effective date remains February 9, 2026, supported by the final notice.","Sources and pinpoints":"S006, p. 123 item 4 and p. 126","Conditions, currentness and confidence limits":"PASS-01 finding preserved. No unresolved year issue is asserted."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_AZ-P2-S001","urls":["https://www.azleg.gov/arsDetail/?title=6","https://www.azleg.gov/arsDetail/?title=6&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S001","Document, issuer and direct literal URL":"Arizona Revised Statutes, Title 6 — Arizona Legislature. https://www.azleg.gov/arsDetail/?title=6","Actual pinpoint, version, status and limits":"R. Sections mapped below. Current posted compilation; its disclaimer describes a January-following-session drafting compilation. Relevant currentness was checked against S008–S009. The index alone is not substantive authority."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_AZ-P2-S002","urls":["https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S002","Document, issuer and direct literal URL":"Laws 2023, chapter 152, HB2010. https://www.azleg.gov/legtext/56leg/1R/laws/0152.htm","Actual pinpoint, version, status and limits":"R. §§ 3–4, approval and filing notations. Historical enacted amendments: June 30 alignment. Approved May 19, 2023; filed May 22, 2023."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S003","urls":["https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm","https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S003","Document, issuer and direct literal URL":"Laws 2025, chapter 222, HB2054. https://www.azleg.gov/legtext/57leg/1r/laws/0222.htm","Actual pinpoint, version, status and limits":"R. § 2; § 17(A), (C); act’s amendment list and approval/file notations. December 31 amendment; conditioned 2025 transition; enumerated retroactivity. Approved/filed June 25, 2025."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_AZ-P2-S004","urls":["https://www.azleg.gov/general-effective-dates/","https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S004","Document, issuer and direct literal URL":"General Effective Dates — Arizona Legislature. https://www.azleg.gov/general-effective-dates/","Actual pinpoint, version, status and limits":"R. 2025 and 2023 regular-session rows. September 26, 2025 and October 30, 2023, respectively. Does not replace special effective or retroactivity provisions."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S005","urls":["https://apps.azsos.gov/public_services/Title_20/20-04.pdf","https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S005","Document, issuer and direct literal URL":"20 A.A.C. 4, Supplement 25-4 — Arizona Secretary of State. https://apps.azsos.gov/public_services/Title_20/20-04.pdf","Actual pinpoint, version, status and limits":"R. Printed pp. 20–21, R20-4-602(A)–(D), R20-4-603(A), and relevant history. Current posted Code. The already-resolved history-year discrepancy is governed by S006."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_AZ-P2-S006","urls":["https://apps.azsos.gov/public_services/register/2026/1/contents.pdf","https://apps.azsos.gov/public_services/register/2026/1/contents.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S006","Document, issuer and direct literal URL":"Notice of Final Rulemaking, R25-296 — DIFI/SOS; 32 A.A.R. 123–126. https://apps.azsos.gov/public_services/register/2026/1/contents.pdf","Actual pinpoint, version, status and limits":"R. P. 123 items 3–4; p. 124 items 7, 10–12; p. 126 R20-4-602(C). Published January 2, 2026; effective February 9, 2026. Explains conformity to chapter 222, not residual § 6-706(B) harmonization or billing credits."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_AZ-P2-S007","urls":["https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm","https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S007","Document, issuer and direct literal URL":"HB2054 signed House summary — Arizona House of Representatives. https://www.azleg.gov/legtext/57leg/1R/summary/H.HB2054_063025_SIGNED.DOCX.htm","Actual pinpoint, version, status and limits":"R. Provisions 4, 25–26. Signed-summary version identified by June 30, 2025 filename. Legislative explanation of December renewal and January 1, 2025 retroactivity; not controlling enacted text or an operational instruction."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S008","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S008","Document, issuer and direct literal URL":"2025 Table of Sections Affected — Arizona Legislative Council. https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf","Actual pinpoint, version, status and limits":"R. Cover and Title 6 entries, pp. 1–2. Chapters 1–265, July 18, 2025. Lists § 6-707/chapter 222; no listed amendment of §§ 6-126 or 6-706. Bounded to this table."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S009","urls":["https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S009","Document, issuer and direct literal URL":"2026 Table of Sections Affected — Arizona Legislative Council. https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf","Actual pinpoint, version, status and limits":"R. Cover and Title 6 block, p. 2. Chapters 1–264, August 19, 2026. The Title 6 entries concern credit-union sections; none lists the renewal/fee provisions used here. Not an unlimited certification against every possible later authority."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S010","urls":["https://www.csbs.org/nationwide-multistate-licensing-system-nmls","https://www.csbs.org/nationwide-multistate-licensing-system-nmls?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S010","Document, issuer and direct literal URL":"Nationwide Multistate Licensing System — CSBS. https://www.csbs.org/nationwide-multistate-licensing-system-nmls","Actual pinpoint, version, status and limits":"R. “About NMLS” and “NMLS Consumer Access.” Current accessible informational page; no legal effective date stated. Supports the intended public service, not current Arizona checklist requirements or successful search functionality."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S011","urls":["https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf","https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S011","Document, issuer and direct literal URL":"NMLS Help Document, State Regulatory Actions — official copy hosted by CFPB. https://files.consumerfinance.gov/f/documents/cfpb_instructions-viewing-state-regulatory-actions-nmls.pdf","Actual pinpoint, version, status and limits":"R. Four-page document, dated August 7, 2024; public instructions pp. 3–4, steps 1–4. Dated public navigation guidance. Does not prove today’s interface or Arizona record completeness."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S012","urls":["https://difi.az.gov/licensing/financial-enterprises","https://www.difi.az.gov/licensing/financial-enterprises","https://difi.az.gov/licensing/financial-enterprises?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S012","Document and exact attempted URL":"DIFI Financial Enterprises licensing. https://difi.az.gov/licensing/financial-enterprises","Actual result, status limit and next action":"D/F: 403. The https://www.difi.az.gov/licensing/financial-enterprises variant was also inaccessible through the tool. Read the complete current Debt Management section and all fee-table footnotes before using its portal or proration instructions."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S013","urls":["https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf","https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S013","Document and exact attempted URL":"DIFI Debt Management Application Requirements. https://difi.az.gov/sites/default/files/Debt%20Management%20Application%20Requirements.pdf","Actual result, status limit and next action":"D/F: 403. Version and present applicability unverified. Obtain the complete official current document or its replacement."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S014","urls":["https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf","https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S014","Document and exact attempted URL":"DIFI historical application supplement. https://difi.az.gov/sites/default/files/media/FE-LC-AP-DM-Application_Supplement.pdf","Actual result, status limit and next action":"D/F: 403. Historical indexed figures are not current fee authority. Find the current replacement and compare its revision date and statutory references."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S015","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S015","Document and exact attempted URL":"NMLS Arizona Debt Management company checklist. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ_Debt_Managment_License-Company-New-App-Checklist.pdf","Actual result, status limit and next action":"D/F: redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx; zero readable checklist lines. Retrieve the presently operative company and branch checklists from the replacement resource center."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S016","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf","https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S016","Document and exact attempted URL":"NMLS Arizona renewal checklist, legacy route. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/AZ-DFIRenewalChecklist.pdf","Actual result, status limit and next action":"D/F: same generic resource-center redirect; zero readable checklist lines. Older indexed renewal dates are not adopted. Retrieve a current Arizona renewal checklist with its revision date."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S017","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S017","Document and exact attempted URL":"NMLS State & Agency News. https://mortgage.nationwidelicensingsystem.org/knowledge/news/SitePages/NMLS-State-%26-Agency-News.aspx","Actual result, status limit and next action":"D/F: normalized to the same path with literal &; zero readable lines. April 13, 2026 Arizona transition entry is discovery only. Read the full notice, effective/transition dates and linked instructions."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S018","urls":["https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf","https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S018","Document and exact attempted URL":"DIFI Regulatory Bulletin 2025-05, 2025 Arizona Insurance and Financial Institutions Laws. https://difi.az.gov/sites/default/files/Regulatory%20Bulletin%202025-05_2025%20Arizona%20Insurance%20and%20Financial%20Institutions%20Laws.pdf","Actual result, status limit and next action":"D/F: 403. Full HB2054 discussion not read. Retrieve the complete bulletin and any correction; do not substitute its indexed wording for chapter 222."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S019","urls":["https://difi.az.gov/license-search"],"researcher_record":{"Source ID":"S_AZ-P2-S019","Document and exact attempted URL":"DIFI License Search. https://difi.az.gov/license-search","Actual result, status limit and next action":"D/F: 403. Read the current public search landing page and its officially linked interface. No current search workflow or provider status established."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S020","urls":["https://azdifi.portalus.thentiacloud.net","https://azdifi.portalus.thentiacloud.net/"],"researcher_record":{"Source ID":"S_AZ-P2-S020","Document and exact attempted URL":"DIFI Thentia portal root. https://azdifi.portalus.thentiacloud.net","Actual result, status limit and next action":"D/F: 405 Method Not Allowed. Obtain the currently published public-register route from DIFI; the portal root is not proof of a working public lookup. No account accessed."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S021","urls":["https://www.nmlsconsumeraccess.org/","https://nmlsconsumeraccess.org/"],"researcher_record":{"Source ID":"S_AZ-P2-S021","Document and exact attempted URL":"NMLS Consumer Access. https://www.nmlsconsumeraccess.org/ and https://nmlsconsumeraccess.org/","Actual result, status limit and next action":"D/F: both returned 404 through the tool. Next evidence is a publicly rendered official search interface. This does not prove a general service outage."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S022","urls":["https://difi.az.gov/debt-management-companies-nmls","https://difi.az.gov/debt-management-companies-nmls?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S022","Document and exact attempted URL":"DIFI Debt Management Companies—NMLS. https://difi.az.gov/debt-management-companies-nmls","Actual result, status limit and next action":"D/F: 403. Do not carry forward indexed optional-transition language without a readable current version and comparison with S017."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S023","urls":["https://difi.az.gov/industry/financial-enterprises/debt-management-companies","https://difi.az.gov/industry/financial-enterprises/debt-management-companies?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S023","Document and exact attempted URL":"DIFI debt-management industry page. https://difi.az.gov/industry/financial-enterprises/debt-management-companies","Actual result, status limit and next action":"D/F: 403. Version and continuing operational applicability unverified; locate its official current replacement."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S024","urls":["https://difi.az.gov/licensing-document-library?page=2"],"researcher_record":{"Source ID":"S_AZ-P2-S024","Document and exact attempted URL":"DIFI licensing document library, page 2. https://difi.az.gov/licensing-document-library?page=2","Actual result, status limit and next action":"D/F: 403. Could not extract current replacement-document links. Read the directory when publicly retrievable."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S025","urls":["https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=AZ","https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S025","Document and exact attempted URL":"NMLS Arizona licensing directory. https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=AZ","Actual result, status limit and next action":"D/F: redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=AZ, zero readable lines. The /slr/SitePages/DynamicLicenses.aspx?StateID=AZ variant was inaccessible. Retrieve the actual Arizona license-type/checklist directory."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S026","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S026","Document and exact attempted URL":"NMLS Consumer Access information home. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","Actual result, status limit and next action":"D/F: zero readable lines. Obtain current public instructions; an information-page title is not a functioning lookup."},"coordinator_verification_status":"unverified_in_current_scoped_review"},{"source_id":"S_AZ-P2-S027","urls":["https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf","https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_AZ-P2-S027","Document and exact attempted URL":"DIFI 2024 renewal-instructions route. https://difi.az.gov/sites/default/files/2024%20Renewal%20Instructionspdf.pdf","Actual result, status limit and next action":"D/F: 403. Filename indicates an older candidate, but its full contents/version were not read. It cannot establish post-chapter-222 procedure; locate its current replacement."},"coordinator_verification_status":"unverified_in_current_scoped_review"}],"coverage":[{"topic":"December 31 statutory expiration/application and accompanying fee","researcher_record":{"Component":"December 31 statutory expiration/application and accompanying fee","Status":"Answered","Claim IDs":"C002–C003","Exact remaining evidence or next action":"No further evidence needed for the published dates; individual renewal status is a separate matter."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Retained June 30/no-investigation provision","researcher_record":{"Component":"Retained June 30/no-investigation provision","Status":"Partial; interpretive consequence unresolved","Claim IDs":"C001, C004–C005, C008","Exact remaining evidence or next action":"Published DIFI interpretation, AG opinion or decision expressly explaining the surviving provision, including early renewal, investigation and payment-credit treatment."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 222 amendment, qualified transition and distinct dates","researcher_record":{"Component":"Chapter 222 amendment, qualified transition and distinct dates","Status":"Answered","Claim IDs":"C005–C007","Exact remaining evidence or next action":"No portal implementation date inferred."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"February 9, 2026 rule effective date","researcher_record":{"Component":"February 9, 2026 rule effective date","Status":"Answered; carried forward","Claim IDs":"C023","Exact remaining evidence or next action":"No year-dispute rerun needed."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"2025 transition billing and previous-payment credits","researcher_record":{"Component":"2025 transition billing and previous-payment credits","Status":"Held","Claim IDs":"C015","Exact remaining evidence or next action":"Official transition invoice/credit instructions identifying covered periods and treatment of payments already made."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Fixed company, branch and agency charges","researcher_record":{"Component":"Fixed company, branch and agency charges","Status":"Answered at statutory-component level","Claim IDs":"C009–C010, C022","Exact remaining evidence or next action":"Current operational invoice remains separate."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Initial assessment payment event","researcher_record":{"Component":"Initial assessment payment event","Status":"Answered","Claim IDs":"C011","Exact remaining evidence or next action":"Any later recalculation must be established by additional official instructions."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Date-specific proration, partial quarters and late-year combined billing","researcher_record":{"Component":"Date-specific proration, partial quarters and late-year combined billing","Status":"Held","Claim IDs":"C012","Exact remaining evidence or next action":"Complete current fee table/checklist, effective period, quarter inclusion rule, approval-crossing rule and following-year allocation."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Denial/withdrawal/renewal refund distinctions","researcher_record":{"Component":"Denial/withdrawal/renewal refund distinctions","Status":"Answered at statutory level","Claim IDs":"C013","Exact remaining evidence or next action":"Current refund-request procedure and processing time remain unverified."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current company, branch and agency application/renewal instructions","researcher_record":{"Component":"Current company, branch and agency application/renewal instructions","Status":"Partial; prescribed-form rule read, operational materials held","Claim IDs":"C016, C019","Exact remaining evidence or next action":"Complete current DIFI/NMLS checklists and public filing instructions; resolve obsolete dual-system instructions."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"April 2026 NMLS transition","researcher_record":{"Component":"April 2026 NMLS transition","Status":"Held; specific lead found","Claim IDs":"C017","Exact remaining evidence or next action":"Full official April 13, 2026 notice and linked Arizona transition documents."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Working public license lookup","researcher_record":{"Component":"Working public license lookup","Status":"Partial; intended service documented, functionality held","Claim IDs":"C018","Exact remaining evidence or next action":"Readable current DIFI landing page and public search interface through its official link. No named-provider clearance authorized or performed."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"NMLS/system extras and checkout totals","researcher_record":{"Component":"NMLS/system extras and checkout totals","Status":"Held","Claim IDs":"C014","Exact remaining evidence or next action":"Applicable current public fee schedule and transaction-specific instructions. No zero-extra assumption."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Annual-report date versus renewal date","researcher_record":{"Component":"Annual-report date versus renewal date","Status":"Answered boundary only","Claim IDs":"C020","Exact remaining evidence or next action":"Full reporting compliance remains outside this narrow pass."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer fees, TSR/CROA and JHass/classification analysis","researcher_record":{"Component":"Consumer fees, TSR/CROA and JHass/classification analysis","Status":"Excluded from PASS-02","Claim IDs":"PASS-01 dependencies unchanged","Exact remaining evidence or next action":"Separate components; no repeated substantive analysis here."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement/funds/bond/remedies; full collection/litigation/limitations/exemptions/secured debt/sector/local/tribal/contract/case-law coverage","researcher_record":{"Component":"Agreement/funds/bond/remedies; full collection/litigation/limitations/exemptions/secured debt/sector/local/tribal/contract/case-law coverage","Status":"Open; excluded from this pass","Claim IDs":"No acceptance claim","Exact remaining evidence or next action":"Continue their separately required investigations. This pass closes none by implication."},"coordinator_acceptance":"reviewed_component_only_not_accepted_remaining_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}