{"meta":{"key":"s_ca--correction-01","task":"S_CA","title":"SCA Correction-01 — California Provider Regulation and Source Provenance","parent_title":"California debt and debt relief law","edition":"correction-01","path":"/research/s_ca--correction-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":48,"sources":39,"review_status":"revise","review_complete":true,"sha256":"9b0408ab361a6cf1c7153ef124152d6055798a6a20d60f13526ac8880113dd06","headings":["1. Corrected regulatory framework","Registration timing","Regulatory fees are not consumer settlement fees","Sunset and later developments","2. Actor/activity/exemption matrix","3. Application, annual reporting, and compliance process","4. Source register — correction evidence","5. Claim/evidence register — correction claims","6. Per-original-claim disposition","7. Granular correction coverage table","8. Source provenance and original-register reconciliation","9. Necessary corrections to worked examples","10. Publication holds and concrete unresolved questions","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_CA/correction-01","facets":{"geography":["us","us-ca"],"debt_type":[],"stage":[],"subject":["provider-licensing","research-quality"]},"scope":"","pending_corrections":0},"markdown":"# S_CA Correction-01 — California Provider Regulation and Source Provenance\n\nAssigned area: A066-CA-1, with collection-licensing overlap under A066-CA-2\nBaseline and correction check date: October 22, 2026, America/Los_Angeles\nStatus: Focused correction; not a replacement for the original 63-claim report.\n\nThe original report has a material coverage omission: California's CCFPL debt-settlement registration framework must be evaluated independently of the Fair Debt Settlement Act, Proraters Law, and Debt Collection Licensing Act.\n\nThat omission prevents treating the original provider-licensing coverage cell as fully answered. It does not, by itself, invalidate every original consumer-conduct or fee claim.\n\nThe correction also preserves three evidence distinctions:\n\n- A source URL being correctly extracted does not establish that its legal text was read.\n- Reading a 2025 codified mirror does not independently establish the entire operative California rule as of October 22, 2026.\n- A DFPI registration application, pending status, approval, exemption, and separate professional license are not interchangeable.\n\nNo original claim or source ID is reassigned. New correction records use `S_CA-R1-S001` and `S_CA-R1-C001` onward.\n\n## 1. Corrected regulatory framework\n\nThe additional research identifies the operative registration rule as California Code of Regulations, title 10, section 1010, with debt-settlement definitions in section 1001.\n\nThe adopted registration regulations were filed October 11, 2024, with an operative date of February 15, 2025. DFPI identifies the underlying rulemaking as PRO 01-21. The statutory CCFPL itself predates these registration regulations.\n\nA significant coverage distinction appears in section 1001: its definition expressly includes certain negotiations intended to reduce a consumer's interest rate or payment amount, not only settlements for less than the outstanding balance. That means an FDSA-only coverage screen can miss activity requiring CCFPL analysis. DFPI+2\n\n### Registration timing\n\nDFPI's published interpretation distinguishes the transitional application process from subsequent applications:\n\n| Situation | Registration consequence | Evidence status |\n| --- | --- | --- |\n| Application properly submitted before February 15, 2025 | Transitional treatment may permit continued operations while approval is pending, subject to the regulatory conditions | Official DFPI FAQ; full subsection reconciliation pending |\n| Application filed on or after February 15, 2025 | DFPI states that approval is required before engaging in covered business | Official DFPI FAQ; supported by §1010 framework |\n| No application and no applicable exemption | The general registration prohibition applies | §1010(a), mirror text |\n| Existing Proraters Law license | Registration exception depends on debt-settlement services being within that license's scope | §1010(b)(1) |\n| Nonprofit using Financial Code §12104 | Exception requires compliance with §12104 and the specified recent audit-report condition | §1010(b)(1) |\n| California attorney | The activity must be performed under the authority of the qualifying professional license; no blanket occupational exemption | DFPI interpretation; complete statutory reconciliation held |\n\nThe transitional filing rule is particularly important for auditing businesses that began operations in 2025. A historical pending application must not be represented as a current approved registration.\n\n### Regulatory fees are not consumer settlement fees\n\nDFPI identifies a $350 registration application fee, a separate annual NMLS renewal charge, and an annual DFPI registration assessment based on the registrant's share of administration costs, subject to a $500 minimum in specified circumstances. Examination costs may also be assessed.\n\nThese are provider regulatory obligations, not amounts a provider may automatically charge its customers. The applicable consumer fee rules must be analyzed separately under the FDSA, Proraters Law, federal law, and the actual contract. DFPI+1\n\n### Sunset and later developments\n\nDFPI identifies January 1, 2029 as the scheduled inoperative date for this registration rulemaking absent legislative action extending or replacing the framework. That is a conditional future event, not an October 2026 exemption.\n\nDFPI also reports that SB 825 became effective January 1, 2026, addressing CCFPL unfair, deceptive, or abusive conduct authority over certain otherwise exempt licensees. This reinforces why an exemption from registration must not be described as an exemption from every CCFPL substantive obligation. DFPI+1\n\nThe final approved order, subsequent amendments, and any relevant court orders have not all been independently reconciled in this pass. Those remain publication holds.\n\n## 2. Actor/activity/exemption matrix\n\nThe following matrix is a classification tool, not a determination about any particular business. Each row requires the actual entity, services, funds flow, licenses, and California-resident nexus.\n\n| Actor/activity | FDSA | Proraters Law | CCFPL registration | DCLA |\n| --- | --- | --- | --- | --- |\n| For-profit negotiator of reduced consumer debt balances, no custody of customer funds | Usually analyze coverage | No prorater conclusion from negotiation alone | Generally required unless a specific exception applies | Not automatically a debt collector |\n| Provider negotiating reduced interest rates or payment amounts | Check FDSA's narrower statutory definition | Depends on receipt/distribution of funds | Expressly included in §1001(b)(1), subject to exclusions | Activity-dependent |\n| Licensed prorater providing settlement services | Independently assess FDSA | License governs qualifying prorater activity | §1010(b)(1) exception only within license scope | Separate test |\n| Nonprofit operating under §12104 | Conditional FDSA exclusion | Conditional exemption, including audit and operational duties | §1010(b)(1) requires a recent qualifying audit and services solely under §12104 | Separate test |\n| Tax-exempt nonprofit offering settlement services entirely free to consumers | Check FDSA exclusion | Funds-flow analysis still necessary | Express §1010(b)(7) exception | Separate test |\n| Attorney providing legal services | Conditional §1788.304 analysis | Conditional §12100 analysis | Professional-license and statutory authority analysis | Separate activity test |\n| Debt collector negotiating its own assigned receivable | Not automatically a consumer's settlement-service provider | Ordinarily different from distributing consumer funds among creditors | Depends on whether it also offers covered consumer-facing services | DCLA and Rosenthal analysis |\n| Original creditor collecting its own debt | Generally different from acting on behalf of consumer | No automatic prorater status | Ordinary collection does not itself prove registration duty | Rosenthal may apply; DCLA exemptions separately |\n\nImportant newly verified detail: Section 1010(b)(7) expressly exempts a federally tax-exempt nonprofit that provides the specified debt-settlement or student-debt-relief services free of charge. That exception is distinct from the section 1010(b)(1) route for an organization complying with Financial Code section 12104. LII / Legal Information Institute+1\n\nA business using an attorney, nonprofit affiliate, or licensed entity cannot safely assume that the exemption transfers to a separate operating company. The actual contracting party and the entity performing each service matter.\n\n## 3. Application, annual reporting, and compliance process\n\nThe directly opened regulatory mirror adds concrete requirements missing from the original provider chapter.\n\nUnder 10 CCR §1021, a covered applicant files NMLS Form MU1, with applicable MU2 filings for specified responsible individuals. The application includes legal-entity information, ownership and management details, regulatory disclosures, business descriptions, consumer charges, websites, marketing channels, and third-party lead-generation information.\n\nA provider offering more than one separately registered subject product must obtain the required separate registrations. The regulatory text specifies a $350 application fee and $100 annual NMLS renewal fee. Filing alone does not establish approval. Section 1021 also specifies deficiency notices, response periods, abandonment procedures, and review periods, including the special treatment of transitional applicants. LII / Legal Information Institute+1\n\nFor ongoing compliance, the debt-settlement annual report under §1042 requires data covering California contracts, enrolled debts and balances, consumer charges, settlements meeting the statutory reporting definition, average settlement amounts, and timing to first settlement payment. These reporting figures are not proof of an individual provider's settlement performance.\n\nUnder §1040, the annual DFPI fee is calculated using the registrant's share of relevant reported gross income relative to the aggregate for registrants, with a statutory $500 minimum for the specified cases. Assessment notice is due by November 30 and payment by December 31 under the opened text. Nonpayment can trigger summary revocation, with narrowly conditioned extension and hearing procedures. LII / Legal Information Institute+1\n\nBounded fee example: Suppose a registrant reports $2 million of relevant California gross income, all registrants together report $100 million, and DFPI's assessable program costs and deficit total $500,000.\n\n- Registrant share = $2,000,000 / $100,000,000 = 0.02\n- Allocated assessment = 0.02 × $500,000 = $10,000\n- Minimum-fee comparison = greater of $10,000 or $500 = $10,000\n\nThat is an illustration of §1040's allocation approach, not an actual DFPI invoice or a consumer-facing settlement charge. The calculation requires actual DFPI assessments and reported income, and any current amendments must be checked.\n\n## 4. Source register — correction evidence\n\nAll entries below are California authorities or California regulatory materials. The check date for this correction is 2026-10-22. “Mirror opened” means the actual regulatory text was retrieved from Cornell's Legal Information Institute; it does not mean the official DFPI PDF or the Secretary of State's current CCR compilation was opened. The original S_CA-S001–S050 register remains separate.\n\n| New source ID | Issuer, title and exact pinpoint | Literal URL | Version/effective status | Access and limitation |\n| --- | --- | --- | --- | --- |\n| S_CA-R1-S001 | DFPI, Debt Settlement Services | [https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/](https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/?utm_source=chatgpt.com) | Current-page lead; effective date not established by page | Direct open 403; not operative-text evidence |\n| S_CA-R1-S002 | DFPI, CCFPL Information for New Registrants, FAQ | [https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/](https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/?utm_source=chatgpt.com) | Agency guidance, regulations operative 2025-02-15 | Direct open 403; indexed agency text retrieved; not complete official opening |\n| S_CA-R1-S003 | DFPI, OAL Notice of Approval of Regulatory Action | [https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf](https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf?utm_source=chatgpt.com) | October 2024 approval lead | Direct open 403; PDF contents not independently read |\n| S_CA-R1-S004 | DFPI, CCFPL Regulations, Legislation, Opinions and Releases; PRO 01-21 | [https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/](https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/?utm_source=chatgpt.com) | Rulemaking filed 2024-10-11; operative 2025-02-15 | Indexed official record; complete linked final order not read |\n| S_CA-R1-S005 | California CCR, 10 CCR §1001(a)–(b), debt-settlement definitions | [https://www.law.cornell.edu/regulations/california/10-CCR-1001](https://www.law.cornell.edu/regulations/california/10-CCR-1001?utm_source=chatgpt.com) | Filed 2024-10-11; operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S006 | California CCR, 10 CCR §1010(a)–(c), registration and exceptions | [https://www.law.cornell.edu/regulations/california/10-CCR-1010](https://www.law.cornell.edu/regulations/california/10-CCR-1010?utm_source=chatgpt.com) | Filed 2024-10-11; operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S007 | California CCR, 10 CCR §1011(a)–(b), effect of registration | [https://www.law.cornell.edu/regulations/california/10-CCR-1011](https://www.law.cornell.edu/regulations/california/10-CCR-1011?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S008 | California CCR, 10 CCR §1021, application, fees and review | [https://www.law.cornell.edu/regulations/california/10-CCR-1021](https://www.law.cornell.edu/regulations/california/10-CCR-1021?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S009 | California CCR, 10 CCR §1023, debt-settlement supplemental information | [https://www.law.cornell.edu/regulations/california/10-CCR-1023](https://www.law.cornell.edu/regulations/california/10-CCR-1023?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S010 | California CCR, 10 CCR §1031, designated email | [https://www.law.cornell.edu/regulations/california/10-CCR-1031](https://www.law.cornell.edu/regulations/california/10-CCR-1031?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S011 | California CCR, 10 CCR §1040(a)–(d), annual assessment | [https://www.law.cornell.edu/regulations/california/10-CCR-1040](https://www.law.cornell.edu/regulations/california/10-CCR-1040?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S012 | California CCR, 10 CCR §1041(a)–(d), annual reporting | [https://www.law.cornell.edu/regulations/california/10-CCR-1041](https://www.law.cornell.edu/regulations/california/10-CCR-1041?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S013 | California CCR, 10 CCR §1042(a)–(g), debt-settlement reporting | [https://www.law.cornell.edu/regulations/california/10-CCR-1042](https://www.law.cornell.edu/regulations/california/10-CCR-1042?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S014 | California CCR, 10 CCR §1050, registration effectiveness | [https://www.law.cornell.edu/regulations/california/10-CCR-1050](https://www.law.cornell.edu/regulations/california/10-CCR-1050?utm_source=chatgpt.com) | Operative 2025-02-15 | Mirror opened, full section |\n| S_CA-R1-S015 | DFPI, Covered Persons, including SB 825 update | [https://dfpi.ca.gov/regulated-industries/covered-persons/](https://dfpi.ca.gov/regulated-industries/covered-persons/?utm_source=chatgpt.com) | Current agency guidance; references 2026-01-01 change | Indexed official text, not full direct opening |\n| S_CA-R1-S016 | DFPI, November 2025 Monthly Bulletin, CCFPL registration | [https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/](https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/?utm_source=chatgpt.com) | Historical operational guidance | Indexed official text; not independently current legal authority |\n| S_CA-R1-S017 | DFPI, December 2025 Monthly Bulletin, annual fees | [https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/](https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/?utm_source=chatgpt.com) | Historical 2025 assessment notice | Indexed official text; annual charges require current invoice |\n| S_CA-R1-S018 | DFPI, Check Out Your Credit Counseling Agency | [https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/](https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/?utm_source=chatgpt.com) | Agency page, version date uncertain | Indexed guidance; contains potentially outdated fee figures; not substituted for current §12104 |\n| S_CA-R1-S019 | DFPI, October 22, 2024 rulemaking announcement | [https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/](https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/?utm_source=chatgpt.com) | Historical announcement | Indexed official text; corroborates adoption, not full operative rule |\n| S_CA-R1-S020 | California CCR, 10 CCR §1010, alternative Justia regulatory mirror | [https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/](https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/?utm_source=chatgpt.com) | Displays Register 2025 No. 26 coverage | Indexed mirror; corroboration only, not an independent 2026 consolidation |\n\nProvenance correction: The source actually accessed is now explicit. For example, S_CA-R1-S006 is the Cornell mirror URL, not the DFPI FAQ URL. The DFPI FAQ remains separately registered as S_CA-R1-S002 with its 403 limitation.\n\nThe prior report's source rows that lack a recoverable literal access URL are not retroactively labeled opened.\n\n## 5. Claim/evidence register — correction claims\n\nEach claim below applies to California as of the stated baseline, subject to the current-text and amendment limitations in the source register.\n\n| Claim ID | Area ID | Precise corrected claim | Evidence and pinpoint | Conditions/limitations |\n| --- | --- | --- | --- | --- |\n| S_CA-R1-C001 | A066-CA-1 | CCFPL debt-settlement registration is a separate regulatory layer operative February 15, 2025. | R1-S004, S005, S006; 10 CCR §§1001, 1010 | Final official order and amendment reconciliation held |\n| S_CA-R1-C002 | A066-CA-1 | Covered debt-settlement services include specified nonmortgage settlement, interest-reduction, payment-reduction and fund-accumulation activities. | R1-S005, §1001(b)(1)–(2) | Consumer and California-resident scope |\n| S_CA-R1-C003 | A066-CA-1 | A covered person generally must register before offering/providing subject products to California residents. | R1-S006, §1010(a) | §1010(b) exceptions and statutory exemptions |\n| S_CA-R1-C004 | A066-CA-1 | Proraters-license exception is limited to settlement services within the license's scope. | R1-S006, §1010(b)(1) | License and activity must match |\n| S_CA-R1-C005 | A066-CA-1 | §12104 pathway requires recent audit submission and services solely in accordance with §12104. | R1-S006, §1010(b)(1); original S_CA-S009, §12104(i) | No automatic nonprofit exemption |\n| S_CA-R1-C006 | A066-CA-1 | Tax-exempt nonprofits providing covered services free of charge have a distinct registration exception. | R1-S006, §1010(b)(7) | Both tax-exempt status and free service required |\n| S_CA-R1-C007 | A066-CA-1 | Qualifying pre-effective applicants received transitional pending-application treatment. | R1-S006, §1010(c); R1-S008, §1021(i) | Timely MU1/MU2 and fees; ends on approval or abandonment |\n| S_CA-R1-C008 | A066-CA-1 | Filing after the effective date does not itself constitute approval. | R1-S006, §1010(a), (c); R1-S008, §1021(c) | Subject to applicable exception |\n| S_CA-R1-C009 | A066-CA-1 | Registration does not establish compliance with other laws or negate other licensing duties. | R1-S007, §1011(a)–(b) | Independent FDSA, Proraters and DCLA analysis |\n| S_CA-R1-C010 | A066-CA-1 | Separate subject products require separate registrations. | R1-S008, §1021 introductory text | Applies to products requiring registration |\n| S_CA-R1-C011 | A066-CA-1 | Regulatory application fee is $350; annual NMLS renewal fee is $100. | R1-S008, §1021(b)(1)–(3) | Provider fees; nonrefundable; not consumer charges |\n| S_CA-R1-C012 | A066-CA-1 | Annual DFPI assessment is proportional to covered California gross income, subject to specified $500 minimum. | R1-S011, §1040(a)–(b) | Actual aggregate income and assessment required |\n| S_CA-R1-C013 | A066-CA-1 | Annual assessment notice/payment dates and revocation process are prescribed. | R1-S011, §1040(c)–(d) | November 30/December 31; narrowly limited extensions |\n| S_CA-R1-C014 | A066-CA-1 | Annual reports generally due March 15 for registrants registered December 31, even with no activity. | R1-S012, §1041(a)–(c) | Initial-year and extension provisions apply |\n| S_CA-R1-C015 | A066-CA-1 | Debt-settlement reporting requires enrolled balances, charges, settlement and timing metrics. | R1-S013, §1042(a)–(g) | Aggregate annual reporting, not consumer promises |\n| S_CA-R1-C016 | A066-CA-1 | Sample account/activity statements must accompany debt-settlement application where provided to California residents. | R1-S009, §1023 | Conditional on applicant providing such statements |\n| S_CA-R1-C017 | A066-CA-1 | Designated DFPI email registration required within five days after specified approval. | R1-S010, §1031 | Approval triggers duty |\n| S_CA-R1-C018 | A066-CA-1 | Registration continues until revocation, surrender or statutory inoperation. | R1-S014, §1050; R1-S002, DFPI FAQ | Scheduled 2029 sunset conditional on legislative action |\n| S_CA-R1-C019 | A066-CA-1 | A qualifying §12104 nonprofit may charge no more than the specified 15%-of-forgiven-debt settlement fee. | Original S_CA-S009, §12104(d)(1)(C), (d)(2) | Not universal for-profit cap |\n| S_CA-R1-C020 | A066-CA-1/2 | CCFPL registration and DCLA debt-collection licensing are separate. | R1-S007, §1011; original S_CA-S015, Fin. Code §100001 | Activities and exemptions tested separately |\n| S_CA-R1-C021 | A066-CA-1 | DFPI reports a conditional statutory inoperative date of January 1, 2029. | R1-S002, FAQ; R1-S014, §1050 | Financial Code §90009.5(b) legislative-history closeout still held |\n| S_CA-R1-C022 | A066-CA-1 | The provider's registration application requires detailed business, charge and marketing disclosures. | R1-S008, §1021(a)(13)–(15) | Actual filed documents needed for entity-level conclusions |\n| S_CA-R1-C023 | A066-CA-1 | Failure to file annual reports can lead to summary revocation after regulatory notice. | R1-S012, §1041(c) | Notice, extension, hearing and reinstatement provisions |\n| S_CA-R1-C024 | A066-CA-1 | Certain otherwise exempt licensees remain subject to CCFPL substantive conduct restrictions under reported SB 825 changes. | R1-S015, DFPI SB 825 description | Exact amended statutory subsection still held |\n| S_CA-R1-C025 | A066-CA-1 | DFPI's nonprofit guidance contains fee amounts differing from the opened 2025 statutory text. | R1-S018 versus original S_CA-S009, §12104(d) | Prefer current operative statute; historical webpage not reliable for fee cap |\n\n## 6. Per-original-claim disposition\n\nThe dispositions below are correction-audit statuses, not assertions that all 63 original claims have been independently reviewed. “Retain with hold” means no contradiction was established in this focused investigation, but the original claim remains subject to its original evidence limitations.\n\n| Original claim IDs | Disposition | Correction or reason |\n| --- | --- | --- |\n| S_CA-C001 | Supplement | Add CCFPL §1001's broader interest/payment-reduction definition; FDSA definition remains separately applicable |\n| S_CA-C002 | Replace incomplete regulatory framing | Original FDSA-versus-prorater distinction is insufficient without CCFPL registration; add R1-C001–C009 |\n| S_CA-C003–C004 | Retain with hold | FDSA contract/disclosure provisions not contradicted; no complete 2026 re-review |\n| S_CA-C005–C006 | Retain with hold | Fee timing/allocation separate from registration; federal TSR still held |\n| S_CA-C007–C008 | Retain with hold | Cancellation/accounting not independently re-reviewed |\n| S_CA-C009 | Supplement | Attorney/nonprofit FDSA exceptions do not establish CCFPL exceptions |\n| S_CA-C010–C011 | Retain with hold | Rosenthal coverage independent of CCFPL registration |\n| S_CA-C012 | Supplement | Add CCFPL/DCLA separation; entity-specific exemption still required |\n| S_CA-C013 | Outside correction; unreviewed | Commercial-debt expansion not reopened |\n| S_CA-C014 | Retain with hold | FDSA remedies do not resolve DFPI registration enforcement |\n| S_CA-C015 | Supplement | Proraters license or exemption is distinct from CCFPL registration; §1010(b)(1) conditions apply |\n| S_CA-C016 | Retain with hold | Licensed-prorater fee brackets remain conditional; not a universal for-profit cap |\n| S_CA-C017 | Supplement | §12104 nonprofit criteria must also meet §1010(b)(1)'s recent-audit requirement for registration exception |\n| S_CA-C018 | Conditionally retained | 2025 §12104(d) mirror directly reopened; older DFPI guidance conflicts on DMP/counseling amounts |\n| S_CA-C019 | Supplement | §12104(i) annual audit is also material to CCFPL registration exception |\n| S_CA-C020–C021 | Supplement | DCLA licensing and exemptions do not answer CCFPL registration |\n| S_CA-C022–C026 | Outside correction; unreviewed | Collection conduct/documentation not reopened |\n| S_CA-C027–C036 | Outside correction; unreviewed | Limitations/court topics excluded |\n| S_CA-C037–C041 | Outside correction; unreviewed | Judgment topics excluded; coordinator's C040 check preserved |\n| S_CA-C042–C047 | Outside correction; arithmetic/inputs held | Wage and exemption claims not legally re-reviewed |\n| S_CA-C048–C056 | Outside correction; unreviewed | Foreclosure, eviction, medical and support topics excluded |\n| S_CA-C057–C059 | Outside correction; arithmetic/inputs held | FTB examples not legally re-reviewed |\n| S_CA-C060–C063 | Outside correction; unreviewed | Consumer remedies/local issues excluded |\n\nThe most important replacement is C002's overall regulatory characterization. Its original distinction between the FDSA and Proraters Law is useful but incomplete; the new CCFPL layer must be part of every provider-regulation coverage determination.\n\n## 7. Granular correction coverage table\n\n| Coverage ID | Required question | Status | Claim references | Missing evidence and exact next action |\n| --- | --- | --- | --- | --- |\n| A066-CA-1-R1a | CCFPL registration existence and operative date | Answered, with current-text hold | R1-C001 | Compare official final order with October 2026 CCR |\n| A066-CA-1-R1b | Covered debt-settlement activities | Answered in regulatory text | R1-C002 | Reconcile Financial Code §90005 and case-specific exclusions |\n| A066-CA-1-R1c | California-resident reach | Partial | R1-C003 | Open 10 CCR §1000 resident definition and Financial Code §90009 |\n| A066-CA-1-R1d | Licensed-prorater exception | Answered conditionally | R1-C004 | Verify actual license and service scope |\n| A066-CA-1-R1e | §12104 nonprofit exception | Answered conditionally | R1-C005 | Verify audit filed within previous 12 months and current statutory operation |\n| A066-CA-1-R1f | Free nonprofit exception | Answered | R1-C006 | Verify federal tax-exempt status and no consumer charge |\n| A066-CA-1-R1g | Attorney/other professional-license exemption | Partial | R1-C003, C009 | Open Financial Code §§90002, 90006(e), 90009(a)(2) and relevant authority |\n| A066-CA-1-R1h | Pre-effective pending applications | Answered | R1-C007 | Verify filing dates, forms, fees and abandonment status for actual entity |\n| A066-CA-1-R1i | Post-effective applications | Answered | R1-C008 | Verify approval through official lookup |\n| A066-CA-1-R1j | Application documents | Answered baseline | R1-C010, C016, C022 | Review §§1020–1026 and actual entity submission |\n| A066-CA-1-R1k | Regulatory fees | Answered baseline | R1-C011–C013 | Confirm current assessment/invoice and any amendments |\n| A066-CA-1-R1l | Annual reporting | Answered baseline | R1-C014–C015, C023 | Verify 2026 DFPI reporting instructions |\n| A066-CA-1-R1m | Renewal, revocation and reinstatement | Partial | R1-C013, C018, C023 | Open §§1048, 1051–1052 and NMLS renewal instructions |\n| A066-CA-1-R1n | Official registration lookup | Partial | R1-S002, S015 | Open live DFPI/NMLS lookup and document status-field meaning |\n| A066-CA-1-R1o | OAL approval and effective history | Partial | R1-C001 | Obtain actual notice, STD 400, final order and final statement of reasons |\n| A066-CA-1-R1p | Current amendments, orders, sunset | Partial | R1-C018, C021, C024 | Complete 2026 register, bill-history and litigation search |\n| A066-CA-1-R1q | FDSA/Proraters/CCFPL/DCLA reconciliation | Answered framework; entity application partial | R1-C002–C009, C020 | Apply actor/activity matrix to actual entity |\n| A066-CA-1-R1r | Original mirror-source provenance | Partial | R1 source register | Preserve verified original URLs; recover remaining access paths individually |\n| A066-CA-1-R1s | Consumer versus regulatory fees | Answered distinction | R1-C011–C012, C019 | Federal TSR and contracts remain separate |\n| A066-CA-1-R1t | Relevant court decisions | Unresolved | — | Search current California and federal decisions specifically addressing §§90009/1010 |\n| A066-CA-1-R1u | Original 63-claim audit | Partial | Disposition table above | Complete individual source/text review outside this focused correction |\n\n## 8. Source provenance and original-register reconciliation\n\nSeveral actual mirror URLs are recoverable from the original report's source references. They should be associated only with their corresponding original source IDs, not copied into other rows with the same link label.\n\n| Original source ID | Authority | Actual mirror URL recoverable from original research | Provenance disposition |\n| --- | --- | --- | --- |\n| S_CA-S001 | Civil Code §1788.301 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-1/section-1788-301/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-1/section-1788-301/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S002 | Civil Code §1788.302 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-1/section-1788-302/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-1/section-1788-302/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S003 | Civil Code §1788.303 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-2/section-1788-303/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-2/section-1788-303/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S004 | Civil Code §1788.304 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-2/section-1788-304/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-2/section-1788-304/?utm_source=chatgpt.com) | Original mirror opening recorded; reopened in correction |\n| S_CA-S005 | Civil Code §1788.305 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-305/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-305/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S006 | Civil Code §1788.306 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-306/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-306/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S007 | Financial Code §12002.1 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-1/section-12002-1/](https://law.justia.com/codes/california/code-fin/division-3/chapter-1/section-12002-1/?utm_source=chatgpt.com) | Original search extract; do not upgrade to full opening |\n| S_CA-S008 | Financial Code §12100 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12100/](https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12100/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S009 | Financial Code §12104 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12104/](https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12104/?utm_source=chatgpt.com) | Reopened, 2025 statutory text |\n| S_CA-S010 | Financial Code §12200 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-3/section-12200/](https://law.justia.com/codes/california/code-fin/division-3/chapter-3/section-12200/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S011 | Financial Code §12314 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12314/](https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12314/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S012 | Financial Code §12315 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12315/](https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12315/?utm_source=chatgpt.com) | Original search extract; full opening not established |\n| S_CA-S013 | Financial Code §12320 | [https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12320/](https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12320/?utm_source=chatgpt.com) | Original mirror opening recorded |\n| S_CA-S015 | Financial Code §100001 | [https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-2/section-100001/](https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-2/section-100001/?utm_source=chatgpt.com) | Original extract/mirror evidence; current-law hold |\n| S_CA-S016 | Financial Code §100002 | [https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-3/section-100002/](https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-3/section-100002/?utm_source=chatgpt.com) | Original search extract |\n| S_CA-S018 | Civil Code §1788.2 | [https://codes.findlaw.com/ca/civil-code/civ-sect-1788-2/](https://codes.findlaw.com/ca/civil-code/civ-sect-1788-2/?utm_source=chatgpt.com) | Original current-text extract |\n| S_CA-S019 | Civil Code §1788.17 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/?utm_source=chatgpt.com) | Original extract |\n| S_CA-S020 | Civil Code §1788.14.5 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/?utm_source=chatgpt.com) | Original extract |\n| S_CA-S022 | Civil Code §1788.30 | [https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/](https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/?utm_source=chatgpt.com) | Original extract |\n\nThese are recovered provenance mappings, not newly verified 2026 legal propositions. The original official Legislature URLs remain authoritative endpoints, separately from the actual mirrors accessed. The remaining original source rows retain their prior access limitations and missing URLs; none is accepted merely because a related mirror appears here.\n\n## 9. Necessary corrections to worked examples\n\nThe coordinator's arithmetic findings remain preserved. This correction does not rerun all 17 quantities.\n\n| Original example | Disposition | Necessary legal-condition correction |\n| --- | --- | --- |\n| §12104 nonprofit settlement fee | Arithmetic retained | `Fee ceiling = 0.15 × qualifying forgiven amount` only for a nonprofit satisfying §12104; not a universal for-profit cap |\n| Licensed-prorater bracket | Arithmetic retained | Apply only when §12314 governs the actual licensed activity and all fee/consent exceptions are met |\n| Wage garnishment | Arithmetic retained; inputs held | `Withholding = max(0, min(0.20 × disposable earnings, 0.40 × max(0, disposable earnings − protected threshold)))`, subject to the applicable ordinary-judgment rule |\n| Judgment interest | Arithmetic retained; inputs held | Rate depends on judgment category, amount, dates and statutory exceptions |\n| Foreclosure 30/90/21 | Arithmetic retained; legal prediction held | 141 days is illustrative component arithmetic, not an exact sale forecast |\n| FTB installment plan | Arithmetic retained; inputs held | `$24,000 / 60 = $400` is principal-only arithmetic, not the complete required monthly payment |\n\nThe nonprofit example has stronger support from the reopened Financial Code §12104(d) text. The other examples were not substantively re-reviewed within this correction.\n\n## 10. Publication holds and concrete unresolved questions\n\n| Hold | Unresolved question | Required next evidence |\n| --- | --- | --- |\n| HOLD-R1-01 | Does the official final order exactly match the opened regulatory mirrors? | OAL notice, STD 400, adopted order, final statement of reasons |\n| HOLD-R1-02 | Were any registration sections amended through October 22, 2026? | Official CCR history and California Regulatory Notice Register |\n| HOLD-R1-03 | Has any court stayed, vacated or limited the registration provisions? | Current case-law and docket search; no negative conclusion established |\n| HOLD-R1-04 | Does a particular attorney's service qualify for exemption? | Financial Code §§90002, 90006, 90009; actual licensed activity and relevant cases |\n| HOLD-R1-05 | Is a particular nonprofit currently exempt? | IRS status, §12104 compliance, audit date, trust/bond/accreditation and fee practices |\n| HOLD-R1-06 | Is a provider currently registered? | Live DFPI/NMLS lookup, legal name, NMLS ID, approval and status dates |\n| HOLD-R1-07 | Are registration renewals and reinstatements fully characterized? | 10 CCR §§1048, 1051–1052 and current NMLS instructions |\n| HOLD-R1-08 | Is January 1, 2029 still the operative sunset? | Financial Code §90009.5(b) and all chaptered amendments |\n| HOLD-R1-09 | Does the older DFPI nonprofit fee guidance reflect superseded law? | Official amendment history; current 2025 mirror indicates different amounts |\n| HOLD-R1-10 | Do original source rows accurately identify every actual access path? | Original raw citation metadata, row-by-row; no shared-label URL inheritance |\n| HOLD-R1-11 | Are the remaining original claims legally verified? | Independent review of original 63 claims; not accomplished here |\n| HOLD-R1-12 | Do federal TSR provisions add relevant fee/contract restrictions? | Current 16 CFR §§310.2, 310.4 and FTC interpretations |\n\n### Researcher self-check\n\nThis correction directly opened and read the operative text of 10 CCR §§1001, 1010, 1011, 1021, 1023, 1031, 1040, 1041, 1042 and 1050 through identified mirrors, plus 2025 Financial Code §12104 and Civil Code §1788.304. It separately attempted the supplied DFPI official endpoints, which returned HTTP 403, and recovered additional official indexed material without mislabeling that material as a full direct opening.\n\nThe correction verifies the existence and substantial content of the omitted CCFPL registration layer, including conditional exceptions, transitional filings, application requirements, regulatory fees and annual reporting. It does not certify a complete current official consolidation, all 2026 amendments, all relevant court orders, any individual provider's status, or the original 50-source/63-claim report.\n\nThe original report and coordinator's audit remain unchanged. No private borrower information was accessed, no outreach or publication occurred, and no local library write is claimed.\n\nPublication disposition: Provider-regulation coverage is materially improved but remains PARTIAL — PUBLICATION HOLD pending the official-source, amendment, case-law and entity-specific checks identified above.\n\nEND S_CA CORRECTION-01\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Situation","Registration consequence","Evidence status"],["Application properly submitted before February 15, 2025","Transitional treatment may permit continued operations while approval is pending, subject to the regulatory conditions","Official DFPI FAQ; full subsection reconciliation pending"],["Application filed on or after February 15, 2025","DFPI states that approval is required before engaging in covered business","Official DFPI FAQ; supported by §1010 framework"],["No application and no applicable exemption","The general registration prohibition applies","§1010(a), mirror text"],["Existing Proraters Law license","Registration exception depends on debt-settlement services being within that license's scope","§1010(b)(1)"],["Nonprofit using Financial Code §12104","Exception requires compliance with §12104 and the specified recent audit-report condition","§1010(b)(1)"],["California attorney","The activity must be performed under the authority of the qualifying professional license; no blanket occupational exemption","DFPI interpretation; complete statutory reconciliation held"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Actor/activity","FDSA","Proraters Law","CCFPL registration","DCLA"],["For-profit negotiator of reduced consumer debt balances, no custody of customer funds","Usually analyze coverage","No prorater conclusion from negotiation alone","Generally required unless a specific exception applies","Not automatically a debt collector"],["Provider negotiating reduced interest rates or payment amounts","Check FDSA's narrower statutory definition","Depends on receipt/distribution of funds","Expressly included in §1001(b)(1), subject to exclusions","Activity-dependent"],["Licensed prorater providing settlement services","Independently assess FDSA","License governs qualifying prorater activity","§1010(b)(1) exception only within license scope","Separate test"],["Nonprofit operating under §12104","Conditional FDSA exclusion","Conditional exemption, including audit and operational duties","§1010(b)(1) requires a recent qualifying audit and services solely under §12104","Separate test"],["Tax-exempt nonprofit offering settlement services entirely free to consumers","Check FDSA exclusion","Funds-flow analysis still necessary","Express §1010(b)(7) exception","Separate test"],["Attorney providing legal services","Conditional §1788.304 analysis","Conditional §12100 analysis","Professional-license and statutory authority analysis","Separate activity test"],["Debt collector negotiating its own assigned receivable","Not automatically a consumer's settlement-service provider","Ordinarily different from distributing consumer funds among creditors","Depends on whether it also offers covered consumer-facing services","DCLA and Rosenthal analysis"],["Original creditor collecting its own debt","Generally different from acting on behalf of consumer","No automatic prorater status","Ordinary collection does not itself prove registration duty","Rosenthal may apply; DCLA exemptions separately"]]},{"headers":[],"index":2,"links":[{"href":"https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/"},{"href":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/"},{"href":"https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf"},{"href":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1001?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1001"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1010?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1010"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1011?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1011"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1021?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1021"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1023?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1023"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1031?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1031"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1040?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1040"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1041?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1041"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1042?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1042"},{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1050?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1050"},{"href":"https://dfpi.ca.gov/regulated-industries/covered-persons/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/covered-persons/"},{"href":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/"},{"href":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/"},{"href":"https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/"},{"href":"https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/"},{"href":"https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/"}],"row_links":[[],[{"href":"https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/"}],[{"href":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/"}],[{"href":"https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf"}],[{"href":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1001?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1001"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1010?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1010"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1011?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1011"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1021?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1021"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1023?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1023"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1031?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1031"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1040?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1040"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1041?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1041"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1042?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1042"}],[{"href":"https://www.law.cornell.edu/regulations/california/10-CCR-1050?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/california/10-CCR-1050"}],[{"href":"https://dfpi.ca.gov/regulated-industries/covered-persons/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/covered-persons/"}],[{"href":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/"}],[{"href":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/"}],[{"href":"https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/"}],[{"href":"https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/?utm_source=chatgpt.com","text":"https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/"}],[{"href":"https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/"}]],"rows":[["New source ID","Issuer, title and exact pinpoint","Literal URL","Version/effective status","Access and limitation"],["S_CA-R1-S001","DFPI, Debt Settlement Services","https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/","Current-page lead; effective date not established by page","Direct open 403; not operative-text evidence"],["S_CA-R1-S002","DFPI, CCFPL Information for New Registrants, FAQ","https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/","Agency guidance, regulations operative 2025-02-15","Direct open 403; indexed agency text retrieved; not complete official opening"],["S_CA-R1-S003","DFPI, OAL Notice of Approval of Regulatory Action","https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf","October 2024 approval lead","Direct open 403; PDF contents not independently read"],["S_CA-R1-S004","DFPI, CCFPL Regulations, Legislation, Opinions and Releases; PRO 01-21","https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/","Rulemaking filed 2024-10-11; operative 2025-02-15","Indexed official record; complete linked final order not read"],["S_CA-R1-S005","California CCR, 10 CCR §1001(a)–(b), debt-settlement definitions","https://www.law.cornell.edu/regulations/california/10-CCR-1001","Filed 2024-10-11; operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S006","California CCR, 10 CCR §1010(a)–(c), registration and exceptions","https://www.law.cornell.edu/regulations/california/10-CCR-1010","Filed 2024-10-11; operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S007","California CCR, 10 CCR §1011(a)–(b), effect of registration","https://www.law.cornell.edu/regulations/california/10-CCR-1011","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S008","California CCR, 10 CCR §1021, application, fees and review","https://www.law.cornell.edu/regulations/california/10-CCR-1021","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S009","California CCR, 10 CCR §1023, debt-settlement supplemental information","https://www.law.cornell.edu/regulations/california/10-CCR-1023","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S010","California CCR, 10 CCR §1031, designated email","https://www.law.cornell.edu/regulations/california/10-CCR-1031","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S011","California CCR, 10 CCR §1040(a)–(d), annual assessment","https://www.law.cornell.edu/regulations/california/10-CCR-1040","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S012","California CCR, 10 CCR §1041(a)–(d), annual reporting","https://www.law.cornell.edu/regulations/california/10-CCR-1041","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S013","California CCR, 10 CCR §1042(a)–(g), debt-settlement reporting","https://www.law.cornell.edu/regulations/california/10-CCR-1042","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S014","California CCR, 10 CCR §1050, registration effectiveness","https://www.law.cornell.edu/regulations/california/10-CCR-1050","Operative 2025-02-15","Mirror opened, full section"],["S_CA-R1-S015","DFPI, Covered Persons, including SB 825 update","https://dfpi.ca.gov/regulated-industries/covered-persons/","Current agency guidance; references 2026-01-01 change","Indexed official text, not full direct opening"],["S_CA-R1-S016","DFPI, November 2025 Monthly Bulletin, CCFPL registration","https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-november-2025/","Historical operational guidance","Indexed official text; not independently current legal authority"],["S_CA-R1-S017","DFPI, December 2025 Monthly Bulletin, annual fees","https://dfpi.ca.gov/news/monthly-bulletins/monthly-bulletin-december-2025/","Historical 2025 assessment notice","Indexed official text; annual charges require current invoice"],["S_CA-R1-S018","DFPI, Check Out Your Credit Counseling Agency","https://dfpi.ca.gov/regulated-industries/check-sellers-bill-payers-and-proraters/check-out-your-credit-counseling-agency/","Agency page, version date uncertain","Indexed guidance; contains potentially outdated fee figures; not substituted for current §12104"],["S_CA-R1-S019","DFPI, October 22, 2024 rulemaking announcement","https://dfpi.ca.gov/press_release/dfpi-announces-new-rules-to-expand-protections-for-california-consumers/","Historical announcement","Indexed official text; corroborates adoption, not full operative rule"],["S_CA-R1-S020","California CCR, 10 CCR §1010, alternative Justia regulatory mirror","https://regulations.justia.com/states/california/title-10/chapter-3/subchapter-4/article-1/section-1010/","Displays Register 2025 No. 26 coverage","Indexed mirror; corroboration only, not an independent 2026 consolidation"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area ID","Precise corrected claim","Evidence and pinpoint","Conditions/limitations"],["S_CA-R1-C001","A066-CA-1","CCFPL debt-settlement registration is a separate regulatory layer operative February 15, 2025.","R1-S004, S005, S006; 10 CCR §§1001, 1010","Final official order and amendment reconciliation held"],["S_CA-R1-C002","A066-CA-1","Covered debt-settlement services include specified nonmortgage settlement, interest-reduction, payment-reduction and fund-accumulation activities.","R1-S005, §1001(b)(1)–(2)","Consumer and California-resident scope"],["S_CA-R1-C003","A066-CA-1","A covered person generally must register before offering/providing subject products to California residents.","R1-S006, §1010(a)","§1010(b) exceptions and statutory exemptions"],["S_CA-R1-C004","A066-CA-1","Proraters-license exception is limited to settlement services within the license's scope.","R1-S006, §1010(b)(1)","License and activity must match"],["S_CA-R1-C005","A066-CA-1","§12104 pathway requires recent audit submission and services solely in accordance with §12104.","R1-S006, §1010(b)(1); original S_CA-S009, §12104(i)","No automatic nonprofit exemption"],["S_CA-R1-C006","A066-CA-1","Tax-exempt nonprofits providing covered services free of charge have a distinct registration exception.","R1-S006, §1010(b)(7)","Both tax-exempt status and free service required"],["S_CA-R1-C007","A066-CA-1","Qualifying pre-effective applicants received transitional pending-application treatment.","R1-S006, §1010(c); R1-S008, §1021(i)","Timely MU1/MU2 and fees; ends on approval or abandonment"],["S_CA-R1-C008","A066-CA-1","Filing after the effective date does not itself constitute approval.","R1-S006, §1010(a), (c); R1-S008, §1021(c)","Subject to applicable exception"],["S_CA-R1-C009","A066-CA-1","Registration does not establish compliance with other laws or negate other licensing duties.","R1-S007, §1011(a)–(b)","Independent FDSA, Proraters and DCLA analysis"],["S_CA-R1-C010","A066-CA-1","Separate subject products require separate registrations.","R1-S008, §1021 introductory text","Applies to products requiring registration"],["S_CA-R1-C011","A066-CA-1","Regulatory application fee is $350; annual NMLS renewal fee is $100.","R1-S008, §1021(b)(1)–(3)","Provider fees; nonrefundable; not consumer charges"],["S_CA-R1-C012","A066-CA-1","Annual DFPI assessment is proportional to covered California gross income, subject to specified $500 minimum.","R1-S011, §1040(a)–(b)","Actual aggregate income and assessment required"],["S_CA-R1-C013","A066-CA-1","Annual assessment notice/payment dates and revocation process are prescribed.","R1-S011, §1040(c)–(d)","November 30/December 31; narrowly limited extensions"],["S_CA-R1-C014","A066-CA-1","Annual reports generally due March 15 for registrants registered December 31, even with no activity.","R1-S012, §1041(a)–(c)","Initial-year and extension provisions apply"],["S_CA-R1-C015","A066-CA-1","Debt-settlement reporting requires enrolled balances, charges, settlement and timing metrics.","R1-S013, §1042(a)–(g)","Aggregate annual reporting, not consumer promises"],["S_CA-R1-C016","A066-CA-1","Sample account/activity statements must accompany debt-settlement application where provided to California residents.","R1-S009, §1023","Conditional on applicant providing such statements"],["S_CA-R1-C017","A066-CA-1","Designated DFPI email registration required within five days after specified approval.","R1-S010, §1031","Approval triggers duty"],["S_CA-R1-C018","A066-CA-1","Registration continues until revocation, surrender or statutory inoperation.","R1-S014, §1050; R1-S002, DFPI FAQ","Scheduled 2029 sunset conditional on legislative action"],["S_CA-R1-C019","A066-CA-1","A qualifying §12104 nonprofit may charge no more than the specified 15%-of-forgiven-debt settlement fee.","Original S_CA-S009, §12104(d)(1)(C), (d)(2)","Not universal for-profit cap"],["S_CA-R1-C020","A066-CA-1/2","CCFPL registration and DCLA debt-collection licensing are separate.","R1-S007, §1011; original S_CA-S015, Fin. Code §100001","Activities and exemptions tested separately"],["S_CA-R1-C021","A066-CA-1","DFPI reports a conditional statutory inoperative date of January 1, 2029.","R1-S002, FAQ; R1-S014, §1050","Financial Code §90009.5(b) legislative-history closeout still held"],["S_CA-R1-C022","A066-CA-1","The provider's registration application requires detailed business, charge and marketing disclosures.","R1-S008, §1021(a)(13)–(15)","Actual filed documents needed for entity-level conclusions"],["S_CA-R1-C023","A066-CA-1","Failure to file annual reports can lead to summary revocation after regulatory notice.","R1-S012, §1041(c)","Notice, extension, hearing and reinstatement provisions"],["S_CA-R1-C024","A066-CA-1","Certain otherwise exempt licensees remain subject to CCFPL substantive conduct restrictions under reported SB 825 changes.","R1-S015, DFPI SB 825 description","Exact amended statutory subsection still held"],["S_CA-R1-C025","A066-CA-1","DFPI's nonprofit guidance contains fee amounts differing from the opened 2025 statutory text.","R1-S018 versus original S_CA-S009, §12104(d)","Prefer current operative statute; historical webpage not reliable for fee cap"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Original claim IDs","Disposition","Correction or reason"],["S_CA-C001","Supplement","Add CCFPL §1001's broader interest/payment-reduction definition; FDSA definition remains separately applicable"],["S_CA-C002","Replace incomplete regulatory framing","Original FDSA-versus-prorater distinction is insufficient without CCFPL registration; add R1-C001–C009"],["S_CA-C003–C004","Retain with hold","FDSA contract/disclosure provisions not contradicted; no complete 2026 re-review"],["S_CA-C005–C006","Retain with hold","Fee timing/allocation separate from registration; federal TSR still held"],["S_CA-C007–C008","Retain with hold","Cancellation/accounting not independently re-reviewed"],["S_CA-C009","Supplement","Attorney/nonprofit FDSA exceptions do not establish CCFPL exceptions"],["S_CA-C010–C011","Retain with hold","Rosenthal coverage independent of CCFPL registration"],["S_CA-C012","Supplement","Add CCFPL/DCLA separation; entity-specific exemption still required"],["S_CA-C013","Outside correction; unreviewed","Commercial-debt expansion not reopened"],["S_CA-C014","Retain with hold","FDSA remedies do not resolve DFPI registration enforcement"],["S_CA-C015","Supplement","Proraters license or exemption is distinct from CCFPL registration; §1010(b)(1) conditions apply"],["S_CA-C016","Retain with hold","Licensed-prorater fee brackets remain conditional; not a universal for-profit cap"],["S_CA-C017","Supplement","§12104 nonprofit criteria must also meet §1010(b)(1)'s recent-audit requirement for registration exception"],["S_CA-C018","Conditionally retained","2025 §12104(d) mirror directly reopened; older DFPI guidance conflicts on DMP/counseling amounts"],["S_CA-C019","Supplement","§12104(i) annual audit is also material to CCFPL registration exception"],["S_CA-C020–C021","Supplement","DCLA licensing and exemptions do not answer CCFPL registration"],["S_CA-C022–C026","Outside correction; unreviewed","Collection conduct/documentation not reopened"],["S_CA-C027–C036","Outside correction; unreviewed","Limitations/court topics excluded"],["S_CA-C037–C041","Outside correction; unreviewed","Judgment topics excluded; coordinator's C040 check preserved"],["S_CA-C042–C047","Outside correction; arithmetic/inputs held","Wage and exemption claims not legally re-reviewed"],["S_CA-C048–C056","Outside correction; unreviewed","Foreclosure, eviction, medical and support topics excluded"],["S_CA-C057–C059","Outside correction; arithmetic/inputs held","FTB examples not legally re-reviewed"],["S_CA-C060–C063","Outside correction; unreviewed","Consumer remedies/local issues excluded"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage ID","Required question","Status","Claim references","Missing evidence and exact next action"],["A066-CA-1-R1a","CCFPL registration existence and operative date","Answered, with current-text hold","R1-C001","Compare official final order with October 2026 CCR"],["A066-CA-1-R1b","Covered debt-settlement activities","Answered in regulatory text","R1-C002","Reconcile Financial Code §90005 and case-specific exclusions"],["A066-CA-1-R1c","California-resident reach","Partial","R1-C003","Open 10 CCR §1000 resident definition and Financial Code §90009"],["A066-CA-1-R1d","Licensed-prorater exception","Answered conditionally","R1-C004","Verify actual license and service scope"],["A066-CA-1-R1e","§12104 nonprofit exception","Answered conditionally","R1-C005","Verify audit filed within previous 12 months and current statutory operation"],["A066-CA-1-R1f","Free nonprofit exception","Answered","R1-C006","Verify federal tax-exempt status and no consumer charge"],["A066-CA-1-R1g","Attorney/other professional-license exemption","Partial","R1-C003, C009","Open Financial Code §§90002, 90006(e), 90009(a)(2) and relevant authority"],["A066-CA-1-R1h","Pre-effective pending applications","Answered","R1-C007","Verify filing dates, forms, fees and abandonment status for actual entity"],["A066-CA-1-R1i","Post-effective applications","Answered","R1-C008","Verify approval through official lookup"],["A066-CA-1-R1j","Application documents","Answered baseline","R1-C010, C016, C022","Review §§1020–1026 and actual entity submission"],["A066-CA-1-R1k","Regulatory fees","Answered baseline","R1-C011–C013","Confirm current assessment/invoice and any amendments"],["A066-CA-1-R1l","Annual reporting","Answered baseline","R1-C014–C015, C023","Verify 2026 DFPI reporting instructions"],["A066-CA-1-R1m","Renewal, revocation and reinstatement","Partial","R1-C013, C018, C023","Open §§1048, 1051–1052 and NMLS renewal instructions"],["A066-CA-1-R1n","Official registration lookup","Partial","R1-S002, S015","Open live DFPI/NMLS lookup and document status-field meaning"],["A066-CA-1-R1o","OAL approval and effective history","Partial","R1-C001","Obtain actual notice, STD 400, final order and final statement of reasons"],["A066-CA-1-R1p","Current amendments, orders, sunset","Partial","R1-C018, C021, C024","Complete 2026 register, bill-history and litigation search"],["A066-CA-1-R1q","FDSA/Proraters/CCFPL/DCLA reconciliation","Answered framework; entity application partial","R1-C002–C009, C020","Apply actor/activity matrix to actual entity"],["A066-CA-1-R1r","Original mirror-source provenance","Partial","R1 source register","Preserve verified original URLs; recover remaining access paths individually"],["A066-CA-1-R1s","Consumer versus regulatory fees","Answered distinction","R1-C011–C012, C019","Federal TSR and contracts remain separate"],["A066-CA-1-R1t","Relevant court decisions","Unresolved","—","Search current California and federal decisions specifically addressing §§90009/1010"],["A066-CA-1-R1u","Original 63-claim audit","Partial","Disposition table above","Complete individual source/text review outside this focused 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§1788.305","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-305/","Original mirror opening recorded"],["S_CA-S006","Civil Code §1788.306","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c-17/chapter-3/section-1788-306/","Original mirror opening recorded"],["S_CA-S007","Financial Code §12002.1","https://law.justia.com/codes/california/code-fin/division-3/chapter-1/section-12002-1/","Original search extract; do not upgrade to full opening"],["S_CA-S008","Financial Code §12100","https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12100/","Original mirror opening recorded"],["S_CA-S009","Financial Code §12104","https://law.justia.com/codes/california/code-fin/division-3/chapter-2/section-12104/","Reopened, 2025 statutory text"],["S_CA-S010","Financial Code §12200","https://law.justia.com/codes/california/code-fin/division-3/chapter-3/section-12200/","Original mirror opening recorded"],["S_CA-S011","Financial Code §12314","https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12314/","Original mirror opening recorded"],["S_CA-S012","Financial Code §12315","https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12315/","Original search extract; full opening not established"],["S_CA-S013","Financial Code §12320","https://law.justia.com/codes/california/code-fin/division-3/chapter-4/section-12320/","Original mirror opening recorded"],["S_CA-S015","Financial Code §100001","https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-2/section-100001/","Original extract/mirror evidence; current-law hold"],["S_CA-S016","Financial Code §100002","https://law.justia.com/codes/california/code-fin/division-25/chapter-1/article-3/section-100002/","Original search extract"],["S_CA-S018","Civil Code §1788.2","https://codes.findlaw.com/ca/civil-code/civ-sect-1788-2/","Original current-text extract"],["S_CA-S019","Civil Code §1788.17","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/","Original extract"],["S_CA-S020","Civil Code §1788.14.5","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/","Original extract"],["S_CA-S022","Civil Code §1788.30","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/","Original extract"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Original example","Disposition","Necessary legal-condition correction"],["§12104 nonprofit settlement fee","Arithmetic retained","Fee ceiling = 0.15 × qualifying forgiven amount only for a nonprofit satisfying §12104; not a universal for-profit cap"],["Licensed-prorater bracket","Arithmetic retained","Apply only when §12314 governs the actual licensed activity and all fee/consent exceptions are met"],["Wage garnishment","Arithmetic retained; inputs held","Withholding = max(0, min(0.20 × disposable earnings, 0.40 × max(0, disposable earnings − protected threshold))), subject to the applicable ordinary-judgment rule"],["Judgment interest","Arithmetic retained; inputs held","Rate depends on judgment category, amount, dates and statutory exceptions"],["Foreclosure 30/90/21","Arithmetic retained; legal prediction held","141 days is illustrative component arithmetic, not an exact sale forecast"],["FTB installment plan","Arithmetic retained; inputs held","$24,000 / 60 = $400 is principal-only arithmetic, not the complete required monthly payment"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Hold","Unresolved question","Required next evidence"],["HOLD-R1-01","Does the official final order exactly match the opened regulatory mirrors?","OAL notice, STD 400, adopted order, final statement of reasons"],["HOLD-R1-02","Were any registration sections amended through October 22, 2026?","Official CCR history and California Regulatory Notice Register"],["HOLD-R1-03","Has any court stayed, vacated or limited the registration provisions?","Current case-law and docket search; no negative conclusion established"],["HOLD-R1-04","Does a particular attorney's service qualify for exemption?","Financial Code §§90002, 90006, 90009; actual licensed activity and relevant cases"],["HOLD-R1-05","Is a particular nonprofit currently exempt?","IRS status, §12104 compliance, audit date, trust/bond/accreditation and fee practices"],["HOLD-R1-06","Is a provider currently registered?","Live DFPI/NMLS lookup, legal name, NMLS ID, approval and status dates"],["HOLD-R1-07","Are registration renewals and reinstatements fully characterized?","10 CCR §§1048, 1051–1052 and current NMLS instructions"],["HOLD-R1-08","Is January 1, 2029 still the operative sunset?","Financial Code §90009.5(b) and all chaptered amendments"],["HOLD-R1-09","Does the older DFPI nonprofit fee guidance reflect superseded law?","Official amendment history; current 2025 mirror indicates different amounts"],["HOLD-R1-10","Do original source rows accurately identify every actual access path?","Original raw citation metadata, row-by-row; no shared-label URL inheritance"],["HOLD-R1-11","Are the remaining original claims legally verified?","Independent review of original 63 claims; not accomplished here"],["HOLD-R1-12","Do federal TSR provisions add relevant fee/contract restrictions?","Current 16 CFR §§310.2, 310.4 and FTC interpretations"]]}],"claims":[{"claim_id":"S_CA-R1-C001","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C001","Area ID":"A066-CA-1","Precise corrected claim":"CCFPL debt-settlement registration is a separate regulatory layer operative February 15, 2025.","Evidence and pinpoint":"R1-S004, S005, S006; 10 CCR §§1001, 1010","Conditions/limitations":"Final official order and amendment reconciliation held"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C002","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C002","Area ID":"A066-CA-1","Precise corrected claim":"Covered debt-settlement services include specified nonmortgage settlement, interest-reduction, payment-reduction and fund-accumulation activities.","Evidence and pinpoint":"R1-S005, §1001(b)(1)–(2)","Conditions/limitations":"Consumer and California-resident scope"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence 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§1010(b)(1)","Conditions/limitations":"License and activity must match"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C005","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C005","Area ID":"A066-CA-1","Precise corrected claim":"§12104 pathway requires recent audit submission and services solely in accordance with §12104.","Evidence and pinpoint":"R1-S006, §1010(b)(1); original S_CA-S009, §12104(i)","Conditions/limitations":"No automatic nonprofit exemption"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence 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R1-S008, §1021(i)","Conditions/limitations":"Timely MU1/MU2 and fees; ends on approval or abandonment"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C008","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C008","Area ID":"A066-CA-1","Precise corrected claim":"Filing after the effective date does not itself constitute approval.","Evidence and pinpoint":"R1-S006, §1010(a), (c); R1-S008, §1021(c)","Conditions/limitations":"Subject to applicable exception"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C009","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C009","Area ID":"A066-CA-1","Precise corrected claim":"Registration does not establish compliance with other laws or negate other licensing duties.","Evidence and pinpoint":"R1-S007, §1011(a)–(b)","Conditions/limitations":"Independent FDSA, Proraters and DCLA analysis"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C010","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C010","Area ID":"A066-CA-1","Precise corrected claim":"Separate subject products require separate registrations.","Evidence and pinpoint":"R1-S008, §1021 introductory text","Conditions/limitations":"Applies to products requiring registration"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C011","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C011","Area ID":"A066-CA-1","Precise corrected claim":"Regulatory application fee is $350; annual NMLS renewal fee is $100.","Evidence and pinpoint":"R1-S008, §1021(b)(1)–(3)","Conditions/limitations":"Provider fees; nonrefundable; not consumer charges"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C012","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C012","Area ID":"A066-CA-1","Precise corrected claim":"Annual DFPI assessment is proportional to covered California gross income, subject to specified $500 minimum.","Evidence and pinpoint":"R1-S011, §1040(a)–(b)","Conditions/limitations":"Actual aggregate income and assessment required"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C013","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C013","Area ID":"A066-CA-1","Precise corrected claim":"Annual assessment notice/payment dates and revocation process are prescribed.","Evidence and pinpoint":"R1-S011, §1040(c)–(d)","Conditions/limitations":"November 30/December 31; narrowly limited extensions"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C014","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C014","Area ID":"A066-CA-1","Precise corrected claim":"Annual reports generally due March 15 for registrants registered December 31, even with no activity.","Evidence and pinpoint":"R1-S012, §1041(a)–(c)","Conditions/limitations":"Initial-year and extension provisions apply"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C015","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C015","Area ID":"A066-CA-1","Precise corrected claim":"Debt-settlement reporting requires enrolled balances, charges, settlement and timing metrics.","Evidence and pinpoint":"R1-S013, §1042(a)–(g)","Conditions/limitations":"Aggregate annual reporting, not consumer promises"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C016","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C016","Area ID":"A066-CA-1","Precise corrected claim":"Sample account/activity statements must accompany debt-settlement application where provided to California residents.","Evidence and pinpoint":"R1-S009, §1023","Conditions/limitations":"Conditional on applicant providing such statements"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C017","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C017","Area ID":"A066-CA-1","Precise corrected claim":"Designated DFPI email registration required within five days after specified approval.","Evidence and pinpoint":"R1-S010, §1031","Conditions/limitations":"Approval triggers duty"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C018","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C018","Area ID":"A066-CA-1","Precise corrected claim":"Registration continues until revocation, surrender or statutory inoperation.","Evidence and pinpoint":"R1-S014, §1050; R1-S002, DFPI FAQ","Conditions/limitations":"Scheduled 2029 sunset conditional on legislative action"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C019","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C019","Area ID":"A066-CA-1","Precise corrected claim":"A qualifying §12104 nonprofit may charge no more than the specified 15%-of-forgiven-debt settlement fee.","Evidence and pinpoint":"Original S_CA-S009, §12104(d)(1)(C), (d)(2)","Conditions/limitations":"Not universal for-profit cap"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C020","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C020","Area ID":"A066-CA-1/2","Precise corrected claim":"CCFPL registration and DCLA debt-collection licensing are separate.","Evidence and pinpoint":"R1-S007, §1011; original S_CA-S015, Fin. Code §100001","Conditions/limitations":"Activities and exemptions tested separately"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C021","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C021","Area ID":"A066-CA-1","Precise corrected claim":"DFPI reports a conditional statutory inoperative date of January 1, 2029.","Evidence and pinpoint":"R1-S002, FAQ; R1-S014, §1050","Conditions/limitations":"Financial Code §90009.5(b) legislative-history closeout still held"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C022","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C022","Area ID":"A066-CA-1","Precise corrected claim":"The provider's registration application requires detailed business, charge and marketing disclosures.","Evidence and pinpoint":"R1-S008, §1021(a)(13)–(15)","Conditions/limitations":"Actual filed documents needed for entity-level conclusions"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C023","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C023","Area ID":"A066-CA-1","Precise corrected claim":"Failure to file annual reports can lead to summary revocation after regulatory notice.","Evidence and pinpoint":"R1-S012, §1041(c)","Conditions/limitations":"Notice, extension, hearing and reinstatement provisions"},"coordinator_verification_status":"selected_official_adopted_text_or_faq_support_checked_current_status_held","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00","coordinator_check_evidence":"[internal evidence reference]"},{"claim_id":"S_CA-R1-C024","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C024","Area ID":"A066-CA-1","Precise corrected claim":"Certain otherwise exempt licensees remain subject to CCFPL substantive conduct restrictions under reported SB 825 changes.","Evidence and pinpoint":"R1-S015, DFPI SB 825 description","Conditions/limitations":"Exact amended statutory subsection still held"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-R1-C025","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_CA-R1-C025","Area ID":"A066-CA-1","Precise corrected claim":"DFPI's nonprofit guidance contains fee amounts differing from the opened 2025 statutory text.","Evidence and pinpoint":"R1-S018 versus original S_CA-S009, §12104(d)","Conditions/limitations":"Prefer current operative statute; historical webpage not reliable for fee cap"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_CA-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C001","Disposition":"Supplement","Correction or reason":"Add CCFPL §1001's broader interest/payment-reduction definition; FDSA definition remains separately applicable"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C002","Disposition":"Replace incomplete regulatory framing","Correction or reason":"Original FDSA-versus-prorater distinction is insufficient without CCFPL registration; add R1-C001–C009"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C003–C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C003–C004","Disposition":"Retain with hold","Correction or reason":"FDSA contract/disclosure provisions not contradicted; no complete 2026 re-review"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C005–C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C005–C006","Disposition":"Retain with hold","Correction or reason":"Fee timing/allocation separate from registration; federal TSR still held"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C007–C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C007–C008","Disposition":"Retain with hold","Correction or reason":"Cancellation/accounting not independently re-reviewed"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C009","Disposition":"Supplement","Correction or reason":"Attorney/nonprofit FDSA exceptions do not establish CCFPL exceptions"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C010–C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C010–C011","Disposition":"Retain with hold","Correction or reason":"Rosenthal coverage independent of CCFPL registration"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C012","Disposition":"Supplement","Correction or reason":"Add CCFPL/DCLA separation; entity-specific exemption still required"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C013","Disposition":"Outside correction; unreviewed","Correction or reason":"Commercial-debt expansion not reopened"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C014","Disposition":"Retain with hold","Correction or reason":"FDSA remedies do not resolve DFPI registration enforcement"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C015","Disposition":"Supplement","Correction or reason":"Proraters license or exemption is distinct from CCFPL registration; §1010(b)(1) conditions apply"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C016","Disposition":"Retain with hold","Correction or reason":"Licensed-prorater fee brackets remain conditional; not a universal for-profit cap"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C017","Disposition":"Supplement","Correction or reason":"§12104 nonprofit criteria must also meet §1010(b)(1)'s recent-audit requirement for registration exception"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C018","Disposition":"Conditionally retained","Correction or reason":"2025 §12104(d) mirror directly reopened; older DFPI guidance conflicts on DMP/counseling amounts"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C019","Disposition":"Supplement","Correction or reason":"§12104(i) annual audit is also material to CCFPL registration exception"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C020–C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C020–C021","Disposition":"Supplement","Correction or reason":"DCLA licensing and exemptions do not answer CCFPL registration"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C022–C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C022–C026","Disposition":"Outside correction; unreviewed","Correction or reason":"Collection conduct/documentation not reopened"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C027–C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C027–C036","Disposition":"Outside correction; unreviewed","Correction or reason":"Limitations/court topics excluded"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C037–C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C037–C041","Disposition":"Outside correction; unreviewed","Correction or reason":"Judgment topics excluded; coordinator's C040 check preserved"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C042–C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C042–C047","Disposition":"Outside correction; arithmetic/inputs held","Correction or reason":"Wage and exemption claims not legally re-reviewed"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C048–C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C048–C056","Disposition":"Outside correction; unreviewed","Correction or reason":"Foreclosure, eviction, medical and support topics excluded"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C057–C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C057–C059","Disposition":"Outside correction; arithmetic/inputs held","Correction or reason":"FTB examples not legally re-reviewed"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"},{"claim_id":"S_CA-C060–C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Original claim IDs":"S_CA-C060–C063","Disposition":"Outside correction; unreviewed","Correction or reason":"Consumer remedies/local issues excluded"},"coordinator_verification_status":"scoped_disposition_only_original_legal_claim_not_accepted","record_kind":"original_claim_disposition_not_new_claim"}],"sources":[{"source_id":"S_CA-R1-S001","urls":["https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/","https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S001","Issuer, title and exact pinpoint":"DFPI, Debt Settlement Services","Literal URL":"https://dfpi.ca.gov/regulated-industries/covered-persons/debt-settlement-services/","Version/effective status":"Current-page lead; effective date not established by page","Access and limitation":"Direct open 403; not operative-text evidence"},"coordinator_verification_status":"not_yet_checked","record_kind":"new_correction_source"},{"source_id":"S_CA-R1-S002","urls":["https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/","https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S002","Issuer, title and exact pinpoint":"DFPI, CCFPL Information for New Registrants, FAQ","Literal URL":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/ccfpl-registration/","Version/effective status":"Agency guidance, regulations operative 2025-02-15","Access and limitation":"Direct open 403; indexed agency text retrieved; not complete official opening"},"coordinator_verification_status":"selected_official_faq_browser_read_after_researcher403","record_kind":"new_correction_source","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T01:14:43.269765+00:00"},{"source_id":"S_CA-R1-S003","urls":["https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf","https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S003","Issuer, title and exact pinpoint":"DFPI, OAL Notice of Approval of Regulatory Action","Literal URL":"https://dfpi.ca.gov/wp-content/uploads/2024/10/Notice-of-Approval-of-Regulatory-Action.pdf","Version/effective status":"October 2024 approval lead","Access and limitation":"Direct open 403; PDF contents not independently read"},"coordinator_verification_status":"not_yet_checked","record_kind":"new_correction_source"},{"source_id":"S_CA-R1-S004","urls":["https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/","https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S004","Issuer, title and exact pinpoint":"DFPI, CCFPL Regulations, Legislation, Opinions and Releases; PRO 01-21","Literal URL":"https://dfpi.ca.gov/rules-enforcement/laws-and-regulations/california-consumer-financial-protection-law/california-consumer-financial-protection-law-regulations-legislation-opinions-and-releases/","Version/effective status":"Rulemaking filed 2024-10-11; operative 2025-02-15","Access and limitation":"Indexed official record; complete linked final order not read"},"coordinator_verification_status":"not_yet_checked","record_kind":"new_correction_source"},{"source_id":"S_CA-R1-S005","urls":["https://www.law.cornell.edu/regulations/california/10-CCR-1001","https://www.law.cornell.edu/regulations/california/10-CCR-1001?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S005","Issuer, title and exact pinpoint":"California CCR, 10 CCR §1001(a)–(b), debt-settlement definitions","Literal URL":"https://www.law.cornell.edu/regulations/california/10-CCR-1001","Version/effective status":"Filed 2024-10-11; operative 2025-02-15","Access and limitation":"Mirror opened, full section"},"coordinator_verification_status":"not_yet_checked","record_kind":"new_correction_source"},{"source_id":"S_CA-R1-S006","urls":["https://www.law.cornell.edu/regulations/california/10-CCR-1010","https://www.law.cornell.edu/regulations/california/10-CCR-1010?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S006","Issuer, title and exact pinpoint":"California CCR, 10 CCR §1010(a)–(c), registration and exceptions","Literal URL":"https://www.law.cornell.edu/regulations/california/10-CCR-1010","Version/effective status":"Filed 2024-10-11; operative 2025-02-15","Access and limitation":"Mirror opened, full section"},"coordinator_verification_status":"not_yet_checked","record_kind":"new_correction_source"},{"source_id":"S_CA-R1-S007","urls":["https://www.law.cornell.edu/regulations/california/10-CCR-1011","https://www.law.cornell.edu/regulations/california/10-CCR-1011?utm_source=chatgpt.com"],"researcher_record":{"New source ID":"S_CA-R1-S007","Issuer, title and 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Actual historical visit remains unverified; no legal text verification follows.","coordinator_checked_at":"2026-10-23T01:53:10.473129+00:00"},{"source_id":"S_CA-S019","urls":["https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"S_CA-S019","Authority":"Civil Code §1788.17","Actual mirror URL recoverable from original research":"https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-17/","Provenance disposition":"Original extract"},"coordinator_verification_status":"historical_access_unverified_candidate_only_not_legal_verification","record_kind":"original_source_provenance_disposition","coordinator_check_evidence":"[internal evidence reference]","coordinator_provenance_resolution":"Earlier affirmative historical-path attribution withdrawn in correction-02. Actual historical visit remains unverified; no legal text verification follows.","coordinator_checked_at":"2026-10-23T01:53:10.473129+00:00"},{"source_id":"S_CA-S020","urls":["https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"S_CA-S020","Authority":"Civil Code §1788.14.5","Actual mirror URL recoverable from original research":"https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-2/section-1788-14-5/","Provenance disposition":"Original extract"},"coordinator_verification_status":"historical_access_unverified_candidate_only_not_legal_verification","record_kind":"original_source_provenance_disposition","coordinator_check_evidence":"[internal evidence reference]","coordinator_provenance_resolution":"Earlier affirmative historical-path attribution withdrawn in correction-02. Actual historical visit remains unverified; no legal text verification follows.","coordinator_checked_at":"2026-10-23T01:53:10.473129+00:00"},{"source_id":"S_CA-S022","urls":["https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/","https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/?utm_source=chatgpt.com"],"researcher_record":{"Original source ID":"S_CA-S022","Authority":"Civil Code §1788.30","Actual mirror URL recoverable from original research":"https://law.justia.com/codes/california/code-civ/division-3/part-4/title-1-6c/article-4/section-1788-30/","Provenance disposition":"Original extract"},"coordinator_verification_status":"historical_access_unverified_candidate_only_not_legal_verification","record_kind":"original_source_provenance_disposition","coordinator_check_evidence":"[internal evidence reference]","coordinator_provenance_resolution":"Earlier affirmative historical-path attribution withdrawn in correction-02. Actual historical visit remains unverified; no legal text verification follows.","coordinator_checked_at":"2026-10-23T01:53:10.473129+00:00"}],"coverage":[{"topic":"A066-CA-1-R1a","researcher_record":{"Coverage ID":"A066-CA-1-R1a","Required question":"CCFPL registration existence and operative date","Status":"Answered, with current-text hold","Claim references":"R1-C001","Missing evidence and exact next action":"Compare official final order with October 2026 CCR"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1b","researcher_record":{"Coverage ID":"A066-CA-1-R1b","Required question":"Covered debt-settlement activities","Status":"Answered in regulatory text","Claim references":"R1-C002","Missing evidence and exact next action":"Reconcile Financial Code §90005 and case-specific exclusions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1c","researcher_record":{"Coverage ID":"A066-CA-1-R1c","Required question":"California-resident reach","Status":"Partial","Claim references":"R1-C003","Missing evidence and exact next action":"Open 10 CCR §1000 resident definition and Financial Code §90009"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1d","researcher_record":{"Coverage ID":"A066-CA-1-R1d","Required question":"Licensed-prorater exception","Status":"Answered conditionally","Claim references":"R1-C004","Missing evidence and exact next action":"Verify actual license and service scope"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1e","researcher_record":{"Coverage ID":"A066-CA-1-R1e","Required question":"§12104 nonprofit exception","Status":"Answered conditionally","Claim references":"R1-C005","Missing evidence and exact next action":"Verify audit filed within previous 12 months and current statutory operation"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1f","researcher_record":{"Coverage ID":"A066-CA-1-R1f","Required question":"Free nonprofit exception","Status":"Answered","Claim references":"R1-C006","Missing evidence and exact next action":"Verify federal tax-exempt status and no consumer charge"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1g","researcher_record":{"Coverage ID":"A066-CA-1-R1g","Required question":"Attorney/other professional-license exemption","Status":"Partial","Claim references":"R1-C003, C009","Missing evidence and exact next action":"Open Financial Code §§90002, 90006(e), 90009(a)(2) and relevant authority"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1h","researcher_record":{"Coverage ID":"A066-CA-1-R1h","Required question":"Pre-effective pending applications","Status":"Answered","Claim references":"R1-C007","Missing evidence and exact next action":"Verify filing dates, forms, fees and abandonment status for actual entity"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1i","researcher_record":{"Coverage ID":"A066-CA-1-R1i","Required question":"Post-effective applications","Status":"Answered","Claim references":"R1-C008","Missing evidence and exact next action":"Verify approval through official lookup"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1j","researcher_record":{"Coverage ID":"A066-CA-1-R1j","Required question":"Application documents","Status":"Answered baseline","Claim references":"R1-C010, C016, C022","Missing evidence and exact next action":"Review §§1020–1026 and actual entity submission"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1k","researcher_record":{"Coverage ID":"A066-CA-1-R1k","Required question":"Regulatory fees","Status":"Answered baseline","Claim references":"R1-C011–C013","Missing evidence and exact next action":"Confirm current assessment/invoice and any amendments"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1l","researcher_record":{"Coverage ID":"A066-CA-1-R1l","Required question":"Annual reporting","Status":"Answered baseline","Claim references":"R1-C014–C015, C023","Missing evidence and exact next action":"Verify 2026 DFPI reporting instructions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1m","researcher_record":{"Coverage ID":"A066-CA-1-R1m","Required question":"Renewal, revocation and reinstatement","Status":"Partial","Claim references":"R1-C013, C018, C023","Missing evidence and exact next action":"Open §§1048, 1051–1052 and NMLS renewal instructions"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1n","researcher_record":{"Coverage ID":"A066-CA-1-R1n","Required question":"Official registration lookup","Status":"Partial","Claim references":"R1-S002, S015","Missing evidence and exact next action":"Open live DFPI/NMLS lookup and document status-field meaning"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1o","researcher_record":{"Coverage ID":"A066-CA-1-R1o","Required question":"OAL approval and effective history","Status":"Partial","Claim references":"R1-C001","Missing evidence and exact next action":"Obtain actual notice, STD 400, final order and final statement of reasons"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1p","researcher_record":{"Coverage ID":"A066-CA-1-R1p","Required question":"Current amendments, orders, sunset","Status":"Partial","Claim references":"R1-C018, C021, C024","Missing evidence and exact next action":"Complete 2026 register, bill-history and litigation search"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1q","researcher_record":{"Coverage ID":"A066-CA-1-R1q","Required question":"FDSA/Proraters/CCFPL/DCLA reconciliation","Status":"Answered framework; entity application partial","Claim references":"R1-C002–C009, C020","Missing evidence and exact next action":"Apply actor/activity matrix to actual entity"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1r","researcher_record":{"Coverage ID":"A066-CA-1-R1r","Required question":"Original mirror-source provenance","Status":"Partial","Claim references":"R1 source register","Missing evidence and exact next action":"Preserve verified original URLs; recover remaining access paths individually"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1s","researcher_record":{"Coverage ID":"A066-CA-1-R1s","Required question":"Consumer versus regulatory fees","Status":"Answered distinction","Claim references":"R1-C011–C012, C019","Missing evidence and exact next action":"Federal TSR and contracts remain separate"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1t","researcher_record":{"Coverage ID":"A066-CA-1-R1t","Required question":"Relevant court decisions","Status":"Unresolved","Claim references":"—","Missing evidence and exact next action":"Search current California and federal decisions specifically addressing §§90009/1010"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"A066-CA-1-R1u","researcher_record":{"Coverage ID":"A066-CA-1-R1u","Required question":"Original 63-claim audit","Status":"Partial","Claim references":"Disposition table above","Missing evidence and exact next action":"Complete individual source/text review outside this focused correction"},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}