{"meta":{"key":"s_co--pass-02","task":"S_CO","title":"Rule 4, education-fee refund language, and administrative fee authority","parent_title":"Colorado debt and debt relief law","edition":"pass-02","path":"/research/s_co--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":9,"claims":14,"sources":12,"review_status":"revise","review_complete":true,"sha256":"60612eb9fdaf244af5d8e5d59a494aa8febc402bcc197ec43eccc25433924c99","headings":["Rule 4, education-fee refund language, and administrative fee authority","A. Substantive findings","1. Official final Rule 4: identified, but its body remains held","2. Exact settlement-allocation text: secondary transcription confirmed, official-final comparison incomplete","3. Education fee and 90-day refund: provenance resolved; current legal construction remains held","4. Proposed basis recovered; final basis not recovered","5. Administrative registration/renewal fees: amounts verified; dated establishment still unresolved","B. Actual source register — documents or substantive passages read","C. Discovery and procedural metadata — separate from the source register","D. Failed-route and access record","E. PASS-02 claim table","F. Actual earlier-claim patch map","G. Dependency crosswalk — carried findings are not fresh readings","H. Component coverage and exact remaining investigations","I. 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_CO/pass-02","facets":{"geography":["us","us-co"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Recover official full current4CCR902-2Rule4(a)(1),(b),(b)(1) and finaladopted/basis documents. Compare suppliedC022/C024 against secondaryCornelltranscription; resolve educationfee/90dayrefund/crossreference and exactsettlementallocationwording. Trace datedinstrument for posted1500/5000administrativefees separately. No repeat223math/federaloverview/historicalCPI. Ifretrievalstillfails giveexactaccessrecord, no inventedtext.","pending_corrections":0},"markdown":"# SettleADebt — S_CO PASS-02\n\n## Rule 4, education-fee refund language, and administrative fee authority\n\n**This follow-up establishes the historical source of the disputed refund cross-reference and confirms the currently posted provider fees. It does not clear the two principal documentary holds:** the official final/current Rule 4 and final basis attachment remain unread through the permitted public-web routes, and no dated instrument establishing the posted **$1,500/$5,000 administrative fees** was recovered.\n\nThe new primary evidence matters: the reference to **“subsection (d)(4) of this section”** appears in an official AG draft, and it was a valid cross-reference in the former statute. It therefore should not be characterized merely as a Cornell transcription error. Whether the official final rule retained it—and its authoritative construction if retained—remains unresolved. **Claims S_CO-P2-C004–C006.** [Colorado Revised Statutes 2024+1](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com)\n\n**Access record:** Research accesses occurred **October 22, 2026, Pacific Daylight Time**, corresponding to **October 23, 2026 UTC**. The last clock check was **2026-10-23 06:44:03 UTC / 2026-10-22 23:44:03 PDT**. Thus, the Pacific access date did not move beyond the requested October 22 baseline.\n\nThis is an additive follow-up to the supplied PASS-01 records. It does not replace the original answer, establish a named provider’s authorization, or constitute Colorado-state or A066 acceptance.\n\n**ID convention:** In the tables below, abbreviated references such as **S003**, **C005**, **D002**, and **F001** mean the corresponding **S_CO-P2-** record. Earlier records always retain the **S_CO-P1-** prefix.\n\n## A. Substantive findings\n\n### 1. Official final Rule 4: identified, but its body remains held\n\nThe Secretary of State materials read during this pass identified docket **2024-00603**, adoption on **February 7, 2025**, publication on **March 10, 2025**, and an effective-date listing of **March 30, 2025**. The legislative rules table separately identifies **LLS docket 250175**, associated with HB24-1380 and the February 7 adoption. These are useful document identifiers and procedural metadata; they do not substitute for reading the operative attachment. **C001; discovery records D001–D004.** [sos.state.co.us+2](https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980&utm_source=chatgpt.com)\n\nThe actual adopted-rules DOCX and final-associated basis DOC were followed through the official docket. Both returned the public reader’s **“Unsupported content-type: application/octet-stream”** error, including alternate official-host attempts. The register’s adopted-rule link led to the same unread DOCX. The listed February 24, 2025 AG-opinion link returned the docket address and an error, without an opinion body.\n\nAccordingly:\n\n- **Official full current Rule 4(a)(1), (b), and (b)(1): unresolved.**\n- **Final adopted basis and any adoption-order language: unresolved.**\n- **AG opinion’s reasoning, qualifications, and conclusion: unread.**\n- **Listed adoption/publication/effective dates: observed metadata, with the PASS-01 legal-status finding carried forward separately.**\n\nThese failures describe the available retrieval path. They do not establish that the documents are absent, defective, invalid, or unavailable by every public route.\n\n### 2. Exact settlement-allocation text: secondary transcription confirmed, official-final comparison incomplete\n\nCornell’s Rule 4 transcription was freshly read. Justia’s reproduction was also read and matches the relevant allocation passage. The following is the **exact reproduced regulatory wording**, not a representation that the official adopted attachment was read:\n\n(a) A provider may not request or receive payment of any fee or consideration until and unless:\n\n1. The fee or consideration either: Bears the same proportional relationship to the total fee for settling the terms of the entire debt balance as the individual debt amount bears to the entire debt amount, in which case the individual debt amount and the entire debt amount are those owed at the time the debt was enrolled in the service; or is a percentage of the amount saved as a result of the settlement. The percentage charged cannot change from one individual debt to another.\n\nThe amount saved is the difference between the amount owed at the time the debt was enrolled in the plan and the amount actually paid to satisfy the debt.\n\n**C002; S006 Rule 4(a)(1); S007 Rule 4(a)(1).** [LII / Legal Information Institute+1](https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com)\n\nThe official AG **“Draft Rule 4 Status Quo”** contains materially corresponding allocation language in **clause 1(a)**. It is useful historical primary evidence, but differs from the secondary current-rule presentation in two consequential ways:\n\n| Comparison point | Official historical draft, S003 | Cornell/Justia reproduction, S006–S007 | Result |\n| --- | --- | --- | --- |\n| Opening scope | Begins with a condition concerning plans contemplating settlement below principal. | Begins directly with paragraph (a), “A provider…” | Do not insert the draft’s opening condition into an unread final rule. |\n| Numbering | Allocation at **1(a)**; education at **2**; refund at **2(a)**. | Allocation at **(a)(1)**; education at **(b)**; refund at **(b)(1)**. | Draft and reproduced final numbering are not interchangeable. |\n| Allocation wording | Proportional enrollment-debt relationship or savings percentage; unchanged percentage between debts. | Corresponding wording reproduced above. | Historical consistency established; official-final identity remains held. |\n\n**C003.** [coag.gov](https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com)\n\nNothing recovered in this pass establishes a particular numerical settlement percentage as current charging authority. Nor does comparison of the allocation language clear all other conditions governing when a fee may be requested or received. PASS-01’s timing findings are not rerun here.\n\n### 3. Education fee and 90-day refund: provenance resolved; current legal construction remains held\n\n#### Historical statutory reference\n\nThe official **2024 Title 5 compilation**, printed page **215**, supplies the missing historical connection:\n\n- Former **§5-19-223(d)(4)(A)** contained the standalone education/counseling fee provision.\n- Former **§5-19-223(e)(1)** required a refund upon agreement assent within the specified post-service period and correctly referred to **(d)(4)**.\n- **(d)(4)(B)** and **(e)(2)** expressly provided for repeal on **March 1, 2025**.\n\nThe freshly read **2025 compilation** shows both provisions repealed. **C004; S001–S002.** [Colorado Revised Statutes 2024+1](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com)\n\n#### What the reproduced rule actually says\n\nCornell’s **Rule 4(b)** describes an education/counseling fee for an individual who **does not assent to an agreement**, subject to §5-19-228(d): up to **$100**, or a larger amount approved by the administrator because the services warrant it.\n\nIts **Rule 4(b)(1)** describes a refund if the individual assents to an agreement **before ninety days expire after completion or termination of the education/counseling services**. It still points to **“subsection (d)(4) of this section.”** Justia reproduces the same reference. **C006; S006–S007.** [LII / Legal Information Institute+1](https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com)\n\nThe official AG draft also contains that reference, at **clause 2(a)**. The supported inference is that the former statutory refund language was carried forward without updating its internal reference. **That is a contextual inference, not an official correction or controlling interpretation. C005.** [coag.gov](https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com)\n\nThe resulting legal boundary is precise:\n\n- The former statutory provisions cannot be treated as unrepealed charging authority.\n- The reproduction cannot yet be promoted into verified official-final charging authority.\n- The reference cannot silently be changed from **(d)(4)** to **(b)**.\n- The retrieved evidence does not establish that the refund provision is ineffective, that all education fees are prohibited, or that a fee may automatically be retained after ninety days.\n- A refund obligation, if applicable, does not itself establish that the original charge was lawful.\n\nThe surviving **§5-19-223(c)** separately addresses education/counseling charges when an individual assents to an agreement, including administrator authorization. It is not an authoritative repair of Rule 4’s reference or an automatic authorization for the reproduced standalone amount. **C007; S002 §223(c).** [olls.info](https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com)\n\nTargeted searches did not locate a responsive official erratum, substantive agency interpretation, later amendment, or controlling judicial decision resolving this cross-reference. That is a bounded research result, not a certification that none exists. **C013.**\n\n### 4. Proposed basis recovered; final basis not recovered\n\nThe readable AG-hosted **Statement of Basis, Specific Statutory Authority, and Purpose** expressly refers to **“The proposed rule.”** It describes preserving the earlier fee structure through regulation and identifies principal-reduction settlement plans as the subject. It cites **§5-19-223(d)(2)(C)** and **§5-19-232(c)**. It contains no verified final-adoption statement in the passage read. **C008; S004, p.1.** [Uniform Debt-Management Services Act](https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf?utm_source=chatgpt.com)\n\nThe **December 11, 2024 notice of proposed rulemaking**, §III, instead cites **§5-19-223(d)(3)(C)**. The relevant statutory rulemaking subsection in the compilation is **(d)(2)(C)**. This citation discrepancy is preserved; it is not treated as a judicial finding about the rule’s validity. The final basis attachment remains necessary to establish what the agency ultimately adopted and explained. **C008; S005 §III; S002 §223(d)(2)(C).** [DMSA Fees+1](https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf?utm_source=chatgpt.com)\n\n### 5. Administrative registration/renewal fees: amounts verified; dated establishment still unresolved\n\nThe current AG registration page and currently linked application establish the following **operational instructions**:\n\n| Activity | Posted initial registration fee | Posted renewal fee | Evidence |\n| --- | --- | --- | --- |\n| Credit counseling | $1,500 | $1,500 | Registration page fee section; application p.1 |\n| Debt settlement | $5,000 | $5,000 | Same |\n| Both activities | $5,000 | $5,000 | Application expressly says both counseling and settlement; webpage labels its combined category “Both Credit Counseling and Debt Management” |\n\nThe current application says its fee is **due with submission**. These are provider-to-regulator charges. These materials do not establish a consumer pass-through entitlement. **C009; S008–S009.** [Colorado Attorney General+1](https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/?utm_source=chatgpt.com)\n\nThe authority chain is only partly complete:\n\n1. **Delegation:** §5-19-232(e) directs the administrator to establish reasonable provider fees administratively and permits variation by service type. **S002 §232(e).**\n2. **Change in fee-setting method:** The June 13, 2024 final fiscal note explains that HB24-1251 moved these fees from rulemaking to administrative establishment. Its August 7, 2024 date concerns the legislation—not the later posted amounts. **S011 pp.2–3.**\n3. **Exercise establishing the amounts:** No dated final determination, adopted schedule, order, or official notice expressly establishing the $1,500/$5,000 figures was recovered. **C010–C012.** [olls.info+1](https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com)\n\nThere is also a historical-source conflict that remains bounded. The AG program’s rules link led to an older official compilation, **ruleVersionId=7291**, whose **Rule 1(a)–(b)** states uniform **$1,000** initial and renewal fees. That historical file does not establish the current administrative amount or prove that the newer operational instructions are invalid. It reinforces the need for the intervening dated administrative instrument. **C011; S010 p.1.** [sos.state.co.us](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291&utm_source=chatgpt.com)\n\nThe exact establishment/effective date remains held. No date is inferred from an upload directory, application filename, budget material, or statutory delegation date.\n\n## B. Actual source register — documents or substantive passages read\n\n**All access dates below:** **2026-10-22 PDT / 2026-10-23 UTC.** “Read” means the identified passage was returned and examined, not that an entire compilation was audited. Each document has one ID reused across its sections.\n\n| Source ID | Title / issuer | Direct literal URL | Exact pinpoint read | Version, status, jurisdiction, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_CO-P2-S001** | *Colorado Revised Statutes 2024, Title 5* — Colorado General Assembly / OLLS | [https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com) | §5-19-223(d)(2)(A)(iii), (d)(4)(A)–(B), (e)(1)–(2), printed p.215; PDF page index 214 | Official Colorado historical compilation. Used for provenance and express transition/repeal language, not as the current compilation. |\n| **S_CO-P2-S002** | *Colorado Revised Statutes 2025, Title 5* — OLLS | [https://olls.info/crs/crs2025-title-05.htm](https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com) | §223(c), (d)(2)(C), (d)(4), (e), editorial notes (2)–(3); §232(e) and source note | Official Colorado 2025 compilation freshly read. The 2026 currentness finding remains carried from PASS-01; fresh 2026 retrieval failed. |\n| **S_CO-P2-S003** | *Debt-Management Draft Rule 4 Status Quo* — Colorado Department of Law / UCCC Administrator | [https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf](https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com) | Entire one-page draft, especially opening condition, 1(a), 2, 2(a) | Official **draft** hosted in an October 2024 path. No adoption/effective date inferred from the path. Not operative authority. |\n| **S_CO-P2-S004** | *Statement of Basis, Specific Statutory Authority, and Purpose, 4 CCR 902-2* — Department of Law | [https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf](https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf?utm_source=chatgpt.com) | p.1, authority paragraphs, purpose paragraph, final paragraph | Official **proposed** statement, identified by its own wording. Not the unread final-associated DOC. |\n| **S_CO-P2-S005** | *Notice of Proposed Rulemaking—Fees Charged to Consumers for Debt-Management Services* — UCCC Administrator | [https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf](https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf?utm_source=chatgpt.com) | p.1 §§I–IV; p.2 §V | Notice dated **December 11, 2024**, hearing scheduled January 24, 2025. Proposal-stage procedural material; not an adoption order. |\n| **S_CO-P2-S006** | *4 CCR 902-2-4—Fees Charged to Consumers for Debt-Management Services* — Cornell LII | [https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4](https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com) | Rule 4(a)(1), (b), (b)(1); history note | **Secondary transcription**, freshly read. Note identifies 48 CR 05, March 10, 2025, effective March 30, 2025. Does not replace official final text. |\n| **S_CO-P2-S007** | *Code of Colorado Regulations, Rule 4 CCR 902-2, §4* — Justia | [https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/](https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/?utm_source=chatgpt.com) | Rule 4(a)(1), (b), (b)(1), currency statement | **Secondary reproduction** stating current through June 10, 2025, with an express currency disclaimer. Agreement with Cornell is not independent primary verification. |\n| **S_CO-P2-S008** | *Debt Management: Registration* — Colorado AG | [https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/](https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/?utm_source=chatgpt.com) | “Debt Management Notification Fees”; application link; renewal-portal paragraph | Current operational publication as observed. No dated adopting instrument in the relevant passages or linked application. |\n| **S_CO-P2-S009** | *Debt Management Services Provider Application & Instructions* — Department of Law | [https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf](https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf?utm_source=chatgpt.com) | p.1 “Fee Information,” including submission trigger; repeated fee section p.7 | Current application reached from S008. Filename/upload path are not legal effective dates. No application was submitted. |\n| **S_CO-P2-S010** | *Uniform Debt-Management Services Act Rules, 4 CCR 902-2*, version 7291 — Colorado SOS | [https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291&utm_source=chatgpt.com) | p.1 Rule 1(a)–(b); two-page document contains Rules 1–3 | Official **historical compilation**, successfully read earlier in this pass. Later retries returned 500. Not the current Rule 4 compilation. |\n| **S_CO-P2-S011** | *HB24-1251 Final Fiscal Note* — Legislative Council Staff | [https://leg.colorado.gov/bill_files/42486/download](https://leg.colorado.gov/bill_files/42486/download?utm_source=chatgpt.com) | June 13, 2024; p.2 “Summary of Legislation”; p.3 “Effective Date” | Official explanatory fiscal document. Supports the described method change, not a fee schedule or establishing instrument. |\n| **S_CO-P2-S012** | Earlier *Debt Management Services Provider Application and Instructions* — Department of Law | [https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf](https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf) | p.1 “Fee Information,” parsed lines 25–31 | Parallel research check returned and read the fee passage; subsequent main-thread retry returned **404**. Records that successful passage read, not continuing availability or a December 2025 effective date. |\n\n## C. Discovery and procedural metadata — separate from the source register\n\nThese records identify documents and routes. They are **not substituted for operative legal text**.\n\n| Discovery ID | Official route and literal URL | What was actually observed | Limit |\n| --- | --- | --- | --- |\n| **S_CO-P2-D001** | SOS rule index: [https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980](https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980&utm_source=chatgpt.com) | Current-version row identifying March 30, 2025; adoption/publication dates and docket 2024-00603 | Successfully read earlier; later retry returned 500. Current PDF/DOCX labels did not yield a usable current-file destination through the reader. |\n| **S_CO-P2-D002** | SOS docket: [https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603](https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com) | Dates, purpose field, adopted-rules/basis links, AG-opinion date | Metadata read; attachments not read. Later attempts intermittently returned 500. |\n| **S_CO-P2-D003** | March 10, 2025 register contents: [https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03/10/2025&yearPublishNumber=5](https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03%2F10%2F2025&yearPublishNumber=5&utm_source=chatgpt.com) | Permanent-rules entry for 4 CCR 902-2 and adopted DOCX link | Link led to the same unread attachment. |\n| **S_CO-P2-D004** | OLLS rules table: [https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation](https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation?utm_source=chatgpt.com) | House and Senate Judiciary entries: **2024-00603 / 250175**, HB24-1380, adoption February 7, 2025; page says updated January 2026 | Identifier for further public-record research; no final text or cross-reference interpretation. |\n| **S_CO-P2-D005** | AG program page: [https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/](https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/?utm_source=chatgpt.com) | Program/rulemaking links; rules link led to historical version 7291 | Landing page does not resolve final Rule 4 wording. |\n| **S_CO-P2-D006** | UCCC administrative-opinion index: [https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/](https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/) | Displayed administrative-opinion list examined in the parallel fee search | No sought dated debt-management fee instrument located in that displayed list; not an assertion about all agency records. |\n\nThe separate September 2017 correction docket concerned historical citation recodification. It was not treated as a correction of the 2025 education/refund issue.\n\n## D. Failed-route and access record\n\n**Common access date:** October 22, 2026 PDT. Repeated identical failures are grouped. No inaccessible attachment or indexed snippet is counted as a substantive read.\n\n| Failure ID | Exact route | Actual result | Consequence / exact remaining action |\n| --- | --- | --- | --- |\n| **S_CO-P2-F001** | [https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx](https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx) and [https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx](https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx) | Reader returned **(400) Unsupported content-type: application/octet-stream**. Official docket and register links reached this attachment. | Recover a readable official adopted attachment or current compiled rule through an ordinary public route. |\n| **S_CO-P2-F002** | [https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc](https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc) and [https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc](https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc) | Same unsupported-content-type error. | Final-associated basis body remains unread; S004 cannot replace it. |\n| **S_CO-P2-F003** | D002’s **“Attorney General Opinion 02/24/2025”** link; alternate docket host [https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603](https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com) | Link resolved back to the docket, with **500 Internal Server Error**, without an opinion body. | Recover the actual opinion for docket 2024-00603; no separate opinion URL was established. |\n| **S_CO-P2-F004** | Exploratory PDF addresses: [https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980) ; [https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2) ; [https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980) ; [https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true](https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true) | Reported **not accessible via this tool**. | These were exploratory addresses, **not verified current-rule endpoints**. None establishes a current rule version. |\n| **S_CO-P2-F005** | [https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf](https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf?utm_source=chatgpt.com) ; [https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf](https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf) | First host: unsupported-content-type error. Alternate host: reader reported **“(400) OK.”** | Proposed attachment unread. Search excerpts were discovery only. This would still be proposed material if recovered. |\n| **S_CO-P2-F006** | D001/D002, including long index URL [https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2](https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2&utm_source=chatgpt.com) | Some index/docket reads succeeded; other attempts returned **500**. S010 also returned 500 on later retries, including its www.coloradosos.gov equivalent. | Preserve successful earlier passage reads and later failures separately; do not describe continuous availability. |\n| **S_CO-P2-F007** | [https://olls.info/crs/crs2026-title-05.htm](https://olls.info/crs/crs2026-title-05.htm?utm_source=chatgpt.com) | Fresh attempts reported **not accessible via this tool**. | PASS-01’s 2026 reading remains carried context. S002 is a fresh 2025 read, not a fresh 2026 verification. |\n| **S_CO-P2-F008** | [https://leg.colorado.gov/bills/hb24-1251](https://leg.colorado.gov/bills/hb24-1251) ; [https://content.leg.colorado.gov/bills/hb24-1251](https://content.leg.colorado.gov/bills/hb24-1251) | **403 Forbidden** at the first; not accessible at the second. | The fiscal note and relevant compiled statute were readable. Neither supplies the missing administrative determination. |\n| **S_CO-P2-F009** | [https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf](https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf) ; [https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf](https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf) ; S012’s literal URL above | April route: **502**, then **404**. June route: **404**. December route: successful parallel passage read, then main-thread **404**. | Indexed excerpts and filenames do not establish fee adoption dates. Mixed results for S012 are preserved. |\n| **S_CO-P2-F010** | [https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view](https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view) ; [https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf](https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf) ; [https://hermes.cde.state.co.us/islandora/object/co%3A38597](https://hermes.cde.state.co.us/islandora/object/co%3A38597) | DORA sunset-report view/download routes timed out; object landing page was not accessible. | Search excerpts remained leads. No full-report reading or fee-effective-date conclusion is claimed. |\n| **S_CO-P2-F011** | Domain-restricted search: site:coprrr.colorado.gov \"2023\" \"Debt-Management\" | Tool reported robots exclusion for **coprrr.colorado.gov**, without a specific page URL. | Recorded as a blocked search route. No page URL is invented; no workaround attempted. |\n| **S_CO-P2-F012** | [https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2](https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2) | Parent-rule page reported not accessible. | Specific Rule 4 page S006 was successfully read; this failure did not prevent that secondary comparison. |\n\nFor the administrative fee instrument, targeted searches also covered official fee notices, renewal materials, administrative schedules, and fee-increase terminology. They did not recover a dated establishing instrument. That unsuccessful search is not evidence that the posted fees are invalid.\n\n## E. PASS-02 claim table\n\n| Claim ID | Precise assertion | Sources / pinpoints | Conditions, currentness, confidence limits |\n| --- | --- | --- | --- |\n| **S_CO-P2-C001** | Official records identify the 2025 Rule 4 adoption process, but the final/current rule body, final basis, and AG-opinion body were not recovered in readable form. | D001–D004; F001–F006 | High confidence in recorded retrieval results and observed metadata; operative wording remains held. |\n| **S_CO-P2-C002** | Cornell and Justia reproduce the allocation alternatives and enrollment/savings language quoted in §A.2. | S006–S007, Rule 4(a)(1) | Verified as secondary text only. No numerical settlement rate or complete current charging entitlement cleared. |\n| **S_CO-P2-C003** | The official historical draft has corresponding allocation language but different numbering and an opening principal-reduction condition absent from the secondary reproduction. | S003 opening, 1(a), 2, 2(a); S006–S007 | High confidence in comparison. Draft scope must not be transplanted into unread final text. |\n| **S_CO-P2-C004** | The disputed reference correctly connected the former statutory refund provision to the former education-fee provision; both were repealed effective March 1, 2025. | S001 §223(d)(4), (e), p.215; S002 corresponding repealed subsections and editorial notes | Historical provenance verified. Does not establish replacement-rule authority. |\n| **S_CO-P2-C005** | The stale-looking reference appears in an official AG draft as well as the secondary rule reproduction; a copy-forward explanation is supported but remains an inference. | S003 2(a); S001 §223(e)(1); S006–S007 Rule 4(b)(1) | Not merely attributable to Cornell. No official correction or final-text confirmation obtained. |\n| **S_CO-P2-C006** | The reproduction describes the no-assent education fee, administrator-approved larger fee, and refund triggered by assent before ninety days expire after services end. | S006–S007 Rule 4(b), (b)(1); historical comparison S003 2–2(a) | All conditions and §228(d) reference retained. Current charging authority and authoritative refund construction remain held. |\n| **S_CO-P2-C007** | Surviving §223(c) separately addresses education/counseling charges after agreement assent; it does not itself repair Rule 4’s cross-reference. | S002 §223(c) | Freshly read in 2025 compilation; currentness dependency carried from PASS-01. No provider-specific administrator approval established. |\n| **S_CO-P2-C008** | The readable basis PDF is proposal-stage material. Its statutory citation differs from the notice’s (d)(3)(C) citation. | S004 p.1; S005 p.1 §III; S002 §223(d)(2)(C) | No inference that proposed and final basis are identical; no validity adjudication from the citation discrepancy. |\n| **S_CO-P2-C009** | Current operational materials post $1,500 counseling and $5,000 settlement/both fees; the webpage covers initial/renewal fees, and the application requires its fee with submission. | S008 fee section; S009 pp.1, 7 | Operationally verified. Provider charges, not an established consumer pass-through entitlement or proof of a provider’s status. |\n| **S_CO-P2-C010** | Administrative fee-setting authority and the legislation’s method change are established separately from the exact posted amounts’ adoption. | S002 §232(e), source note; S011 pp.2–3 | Delegation/effective date of legislation does not establish the schedule’s effective date. |\n| **S_CO-P2-C011** | Historical version 7291 states $1,000 initial/renewal fees; it does not resolve the newer differentiated schedule. | S010 Rule 1(a)–(b), p.1 | Historical text actually read. Current Rule 1 and intervening administrative exercise not verified. |\n| **S_CO-P2-C012** | No dated final instrument establishing the $1,500/$5,000 amounts was recovered. | S008–S012 examined for relevant fee evidence; D006; F008–F011 | Bounded negative result. Establishment date, affected cycles, and supersession history remain unknown. |\n| **S_CO-P2-C013** | No responsive official correction, substantive interpretation, later amendment, or controlling decision resolving the education/refund reference was located in the targeted routes checked. | S001–S007 comparison; D001–D005 and targeted official-domain/court searches | Not an exhaustive subsequent-history certification or proof of nonexistence. |\n| **S_CO-P2-C014** | This pass establishes neither named-provider authorization nor completion of broader Colorado categories. | Defined PASS-02 scope; supplied PASS-01 boundary | Provider status and later-pass categories remain open. Arithmetic review does not clear legal premises. |\n\n## F. Actual earlier-claim patch map\n\nThese are **append-only proposed clarifications** to the supplied records. The original claims and IDs are preserved.\n\n| Earlier claim ID | Supplied assertion retained | PASS-02 patch | Resulting status / linked claims |\n| --- | --- | --- | --- |\n| **S_CO-P1-C015** | “Current instructions request $1,500 for counseling, $5,000 settlement, $5,000 both; initial PDF application and portal renewal routes are available.” | Amounts and application-submission instruction freshly confirmed. Distinguish current operational publication, statutory delegation, and the still-missing dated exercise of that delegation. No consumer pass-through or named-provider authorization established. | **Operational finding retained; dated instrument held.** C009–C012. |\n| **S_CO-P1-C022** | “Rule 4 reproduction reports proportional enrollment-debt or invariant savings-percentage methods; no numerical settlement percentage is cleared by this pass.” | Exact reproduced passage supplied and compared with official historical draft. Preserve numbering/scope differences. Official adopted/current wording remains unread. | **Partial status retained.** C001–C003. |\n| **S_CO-P1-C024** | “The reproduced standalone $100/administrator-approved-larger-fee and 90-day refund provisions cannot yet be treated as cleared current charging authority.” | Add verified historical provenance: the reference was correct in the former statute and also appears in an official draft. Do not describe it solely as a Cornell error; do not silently repair it. | **Charging-authority hold retained; provenance substantially clarified.** C004–C007, C013. |\n| **S_CO-P1-C034** | “Statutory fee changes took effect March 1, 2025; rule is officially listed effective March 30; 2026 annual expiration was postponed.” | Fresh historical/repeal passages and procedural metadata support the identified transition records. The earlier 2026 annual-extension finding is carried forward as supplied; its act was not reread in this pass. Final wording, transition-period construction, and exhaustive stay/vacatur history remain unclosed. | **Earlier date/status finding preserved within its limits.** C001, C004, C008, C013. |\n\n## G. Dependency crosswalk — carried findings are not fresh readings\n\n| Earlier dependency | Treatment in PASS-02 | Fresh evidence or remaining dependency |\n| --- | --- | --- |\n| **S_CO-P1-S001**, including current §223 and §232 findings | Earlier current-law conclusions retained as supplied context; no claim of fresh successful 2026 reading | Fresh S002 is the **2025** compilation; fresh 2026 attempt failed at F007. |\n| **S_CO-P1-S003**, HB24-1380 §§5–6 | Earlier enacted-law analysis carried; signed act not reread here | S001–S002 independently supply the narrow historical/repeal passages needed for this follow-up. |\n| **S_CO-P1-S004–S005**, rule metadata/purpose | Not converted into operative rule text | D001–D004 supply fresh procedural checks; S004 is explicitly proposed basis material. |\n| **S_CO-P1-S006**, unread final attachment | Hold continues | F001–F003 identify the exact unresolved final documents and access failures. |\n| **S_CO-P1-S007**, Cornell reproduction | Relevant body freshly read | S006; secondary comparison added through S007 and historical primary S003. |\n| **S_CO-P1-S008**, 2026 annual-extension legislation | Earlier finding retained by attribution | No fresh reading or expanded subsequent-history conclusion in this pass. |\n| **S_CO-P1-S009–S010**, registration/application materials | Relevant operational passages freshly checked | S008–S009. Dated fee-setting instrument remains separate. |\n| Coordinator’s scope review and separate arithmetic checks | Accepted only as supplied process history | Neither is represented as a check performed here or as clearance of legal premises. |\n\n## H. Component coverage and exact remaining investigations\n\n| Component | Status | Claim IDs | Missing evidence / exact next investigation |\n| --- | --- | --- | --- |\n| Official full current Rule 4(a)(1), (b), (b)(1) | **Unresolved** | C001–C003, C006 | Readable official current compiled rule or final AdoptedRules02024-00603.docx; compare scope, numbering, punctuation, and all operative clauses. |\n| Final adopted basis / adoption instrument | **Unresolved** | C001, C008 | Readable BasisAndPurposeAttachment2024-00603.doc and any final adoption order; determine whether final reasoning differs from S004. |\n| AG legal-review opinion | **Unresolved** | C001 | Actual February 24, 2025 opinion body for docket 2024-00603, including qualifications. |\n| Settlement-allocation transcription comparison | **Answered as a documentary comparison; legal-final verification partial** | C002–C003 | Official-final comparison remains necessary. No repeated fee mathematics or numerical rate clearance. |\n| Education/refund reference’s historical origin | **Answered** | C004–C005 | Former statutory relationship and draft retention established. |\n| Current education charging/refund construction | **Unresolved** | C006–C007, C013 | First recover final wording; then locate any official correction, final explanation, LLS **250175** review material, or controlling interpretation addressing the reference. |\n| Posted administrative amounts and application payment instruction | **Answered operationally** | C009 | No additional arithmetic needed. |\n| Dated authority establishing $1,500/$5,000 schedule | **Unresolved** | C010–C012 | Dated final administrative determination/schedule/order/notice specifying amounts, adoption/effective dates, affected initial/renewal cycles, and later supersession. Recover through an ordinary public agency/archive route; otherwise retain hold under the no-contact restriction. |\n| Historical $1,000 rule versus newer schedule | **Partial** | C011–C012 | Current Rule 1 plus intervening administrative instrument; no inference that the older figure controls today. |\n| Named-provider status | **Open; excluded from this narrow follow-up** | C014 | Later public regulator-status verification for a specifically identified legal entity, registration, activity, and relevant date. |\n| New conditional worked examples | **Not added** | C002, C006, C014 | No new example is needed to resolve these documentary questions. Prior arithmetic checks remain separate from legal authorization. |\n| Agreement, funds, bond, remedies | **Open for later required passes** | C014 | Full operative statutory/rule/contract treatment remains outside this component. |\n| Collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract, and broader case-law coverage | **Open for later required passes** | C014 | No implied completion from the narrow cross-reference search. |\n| Colorado dossier or A066 acceptance | **Not established** | C014 | This component cannot supply whole-state acceptance. |\n\n**Continuation boundary:** The next evidentiary work begins with the unread final Rule 4/basis/opinion documents and the dated administrative fee instrument. Repeating the reproduced formula, federal overview, historical CPI analysis, or already-checked arithmetic would not close those gaps.\n\n## I. Researcher self-check\n\n**Actually read in this pass:** the specified historical and 2025 statutory passages; the official one-page Rule 4 draft; the proposed basis statement; the proposal notice; Cornell and Justia’s relevant rule bodies; current registration and application fee passages; historical Rule 1; and the final fiscal note’s relevant passages. A parallel check also returned the earlier application’s fee passage, followed by a failed main-thread retry, as explicitly recorded.\n\n**Not read:** the official adopted DOCX; final-associated basis DOC; AG opinion body; official full current Rule 4; the inaccessible sunset report; and a dated instrument adopting the differentiated administrative fees. The 2026 compilation was not freshly recovered. No absence finding is promoted beyond the checked routes.\n\nThe parallel checks were research subtasks within this response. They were not separate ChatGPT conversations, and this self-check is **not an independent review**. The available session identifies as **GPT-6 Astra Pro**; a chatgpt.com model-selector label was not verified or changed.\n\nExisting ordinary public-web tools were used. No Deep Research, Chrome-access request, permission expansion, external API substitution, purchase, account change, contact, private borrower data, application submission, or publication action was used.\n\nEND S_CO PASS-02.\n\n","tables":[{"headers":["Comparison point","Official historical draft, S003","Cornell/Justia reproduction, S006–S007","Result"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Comparison point","Official historical draft, S003","Cornell/Justia reproduction, S006–S007","Result"],["Opening scope","Begins with a condition concerning plans contemplating settlement below principal.","Begins directly with paragraph (a), “A provider…”","Do not insert the draft’s opening condition into an unread final rule."],["Numbering","Allocation at 1(a); education at 2; refund at 2(a).","Allocation at (a)(1); education at (b); refund at (b)(1).","Draft and reproduced final numbering are not interchangeable."],["Allocation wording","Proportional enrollment-debt relationship or savings percentage; unchanged percentage between debts.","Corresponding wording reproduced above.","Historical consistency established; official-final identity remains held."]]},{"headers":["Activity","Posted initial registration fee","Posted renewal fee","Evidence"],"index":1,"links":[],"row_links":[[],[],[],[]],"rows":[["Activity","Posted initial registration fee","Posted renewal fee","Evidence"],["Credit counseling","$1,500","$1,500","Registration page fee section; application p.1"],["Debt settlement","$5,000","$5,000","Same"],["Both activities","$5,000","$5,000","Application expressly says both counseling and settlement; webpage labels its combined category “Both Credit Counseling and Debt Management”"]]},{"headers":["Source ID","Title / issuer","Direct literal URL","Exact pinpoint read","Version, status, jurisdiction, and limitation"],"index":2,"links":[{"href":"https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com","text":"https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf"},{"href":"https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com","text":"https://olls.info/crs/crs2025-title-05.htm"},{"href":"https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf"},{"href":"https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf"},{"href":"https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf"},{"href":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4"},{"href":"https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/"},{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/?utm_source=chatgpt.com","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/"},{"href":"https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291"},{"href":"https://leg.colorado.gov/bill_files/42486/download?utm_source=chatgpt.com","text":"https://leg.colorado.gov/bill_files/42486/download"},{"href":"https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf","text":"https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf"}],"row_links":[[],[{"href":"https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com","text":"https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf"}],[{"href":"https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com","text":"https://olls.info/crs/crs2025-title-05.htm"}],[{"href":"https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf"}],[{"href":"https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf"}],[{"href":"https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf"}],[{"href":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4"}],[{"href":"https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/"}],[{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/?utm_source=chatgpt.com","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/"}],[{"href":"https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf?utm_source=chatgpt.com","text":"https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf"}],[{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291"}],[{"href":"https://leg.colorado.gov/bill_files/42486/download?utm_source=chatgpt.com","text":"https://leg.colorado.gov/bill_files/42486/download"}],[{"href":"https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf","text":"https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf"}]],"rows":[["Source ID","Title / issuer","Direct literal URL","Exact pinpoint read","Version, status, jurisdiction, and limitation"],["S_CO-P2-S001","Colorado Revised Statutes 2024, Title 5 — Colorado General Assembly / OLLS","https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf","§5-19-223(d)(2)(A)(iii), (d)(4)(A)–(B), (e)(1)–(2), printed p.215; PDF page index 214","Official Colorado historical compilation. Used for provenance and express transition/repeal language, not as the current compilation."],["S_CO-P2-S002","Colorado Revised Statutes 2025, Title 5 — OLLS","https://olls.info/crs/crs2025-title-05.htm","§223(c), (d)(2)(C), (d)(4), (e), editorial notes (2)–(3); §232(e) and source note","Official Colorado 2025 compilation freshly read. The 2026 currentness finding remains carried from PASS-01; fresh 2026 retrieval failed."],["S_CO-P2-S003","Debt-Management Draft Rule 4 Status Quo — Colorado Department of Law / UCCC Administrator","https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf","Entire one-page draft, especially opening condition, 1(a), 2, 2(a)","Official draft hosted in an October 2024 path. No adoption/effective date inferred from the path. Not operative authority."],["S_CO-P2-S004","Statement of Basis, Specific Statutory Authority, and Purpose, 4 CCR 902-2 — Department of Law","https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf","p.1, authority paragraphs, purpose paragraph, final paragraph","Official proposed statement, identified by its own wording. Not the unread final-associated DOC."],["S_CO-P2-S005","Notice of Proposed Rulemaking—Fees Charged to Consumers for Debt-Management Services — UCCC Administrator","https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf","p.1 §§I–IV; p.2 §V","Notice dated December 11, 2024, hearing scheduled January 24, 2025. Proposal-stage procedural material; not an adoption order."],["S_CO-P2-S006","4 CCR 902-2-4—Fees Charged to Consumers for Debt-Management Services — Cornell LII","https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4","Rule 4(a)(1), (b), (b)(1); history note","Secondary transcription, freshly read. Note identifies 48 CR 05, March 10, 2025, effective March 30, 2025. Does not replace official final text."],["S_CO-P2-S007","Code of Colorado Regulations, Rule 4 CCR 902-2, §4 — Justia","https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/","Rule 4(a)(1), (b), (b)(1), currency statement","Secondary reproduction stating current through June 10, 2025, with an express currency disclaimer. Agreement with Cornell is not independent primary verification."],["S_CO-P2-S008","Debt Management: Registration — Colorado AG","https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/","“Debt Management Notification Fees”; application link; renewal-portal paragraph","Current operational publication as observed. No dated adopting instrument in the relevant passages or linked application."],["S_CO-P2-S009","Debt Management Services Provider Application & Instructions — Department of Law","https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf","p.1 “Fee Information,” including submission trigger; repeated fee section p.7","Current application reached from S008. Filename/upload path are not legal effective dates. No application was submitted."],["S_CO-P2-S010","Uniform Debt-Management Services Act Rules, 4 CCR 902-2, version 7291 — Colorado SOS","https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291","p.1 Rule 1(a)–(b); two-page document contains Rules 1–3","Official historical compilation, successfully read earlier in this pass. Later retries returned 500. Not the current Rule 4 compilation."],["S_CO-P2-S011","HB24-1251 Final Fiscal Note — Legislative Council Staff","https://leg.colorado.gov/bill_files/42486/download","June 13, 2024; p.2 “Summary of Legislation”; p.3 “Effective Date”","Official explanatory fiscal document. Supports the described method change, not a fee schedule or establishing instrument."],["S_CO-P2-S012","Earlier Debt Management Services Provider Application and Instructions — Department of Law","https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf","p.1 “Fee Information,” parsed lines 25–31","Parallel research check returned and read the fee passage; subsequent main-thread retry returned 404. Records that successful passage read, not continuing availability or a December 2025 effective date."]]},{"headers":["Discovery ID","Official route and literal URL","What was actually observed","Limit"],"index":3,"links":[{"href":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980"},{"href":"https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603"},{"href":"https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03%2F10%2F2025&yearPublishNumber=5&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03/10/2025&yearPublishNumber=5"},{"href":"https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation?utm_source=chatgpt.com","text":"https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation"},{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/?utm_source=chatgpt.com","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/"},{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/"}],"row_links":[[],[{"href":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980"}],[{"href":"https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603"}],[{"href":"https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03%2F10%2F2025&yearPublishNumber=5&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03/10/2025&yearPublishNumber=5"}],[{"href":"https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation?utm_source=chatgpt.com","text":"https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation"}],[{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/?utm_source=chatgpt.com","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/"}],[{"href":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/","text":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/"}]],"rows":[["Discovery ID","Official route and literal URL","What was actually observed","Limit"],["S_CO-P2-D001","SOS rule index: https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&ruleId=2980","Current-version row identifying March 30, 2025; adoption/publication dates and docket 2024-00603","Successfully read earlier; later retry returned 500. Current PDF/DOCX labels did not yield a usable current-file destination through the reader."],["S_CO-P2-D002","SOS docket: https://www.sos.state.co.us/CCR/eDocketDetails.do?trackingNum=2024-00603","Dates, purpose field, adopted-rules/basis links, AG-opinion date","Metadata read; attachments not read. Later attempts intermittently returned 500."],["S_CO-P2-D003","March 10, 2025 register contents: https://www.sos.state.co.us/CCR/RegisterContents.do?Month=3&Volume=48&Year=2025&publicationDay=03/10/2025&yearPublishNumber=5","Permanent-rules entry for 4 CCR 902-2 and adopted DOCX link","Link led to the same unread attachment."],["S_CO-P2-D004","OLLS rules table: https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2025-table-rules-related-newly-adopted-legislation","House and Senate Judiciary entries: 2024-00603 / 250175, HB24-1380, adoption February 7, 2025; page says updated January 2026","Identifier for further public-record research; no final text or cross-reference interpretation."],["S_CO-P2-D005","AG program page: https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/","Program/rulemaking links; rules link led to historical version 7291","Landing page does not resolve final Rule 4 wording."],["S_CO-P2-D006","UCCC administrative-opinion index: https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/general-information/","Displayed administrative-opinion list examined in the parallel fee search","No sought dated debt-management fee instrument located in that displayed list; not an assertion about all agency records."]]},{"headers":["Failure ID","Exact route","Actual result","Consequence / exact remaining action"],"index":4,"links":[{"href":"https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx","text":"https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx"},{"href":"https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx","text":"https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx"},{"href":"https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc","text":"https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc"},{"href":"https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc","text":"https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc"},{"href":"https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com","text":"https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true"},{"href":"https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf?utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf"},{"href":"https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf","text":"https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf"},{"href":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2"},{"href":"https://olls.info/crs/crs2026-title-05.htm?utm_source=chatgpt.com","text":"https://olls.info/crs/crs2026-title-05.htm"},{"href":"https://leg.colorado.gov/bills/hb24-1251","text":"https://leg.colorado.gov/bills/hb24-1251"},{"href":"https://content.leg.colorado.gov/bills/hb24-1251","text":"https://content.leg.colorado.gov/bills/hb24-1251"},{"href":"https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf","text":"https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf"},{"href":"https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf","text":"https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf"},{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view"},{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf"},{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597"},{"href":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2","text":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2"}],"row_links":[[],[{"href":"https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx","text":"https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx"},{"href":"https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx","text":"https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx"}],[{"href":"https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc","text":"https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc"},{"href":"https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc","text":"https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc"}],[{"href":"https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603&utm_source=chatgpt.com","text":"https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603"}],[{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980"},{"href":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true","text":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true"}],[{"href":"https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf?utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf"},{"href":"https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf","text":"https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf"}],[{"href":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2&utm_source=chatgpt.com","text":"https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2"}],[{"href":"https://olls.info/crs/crs2026-title-05.htm?utm_source=chatgpt.com","text":"https://olls.info/crs/crs2026-title-05.htm"}],[{"href":"https://leg.colorado.gov/bills/hb24-1251","text":"https://leg.colorado.gov/bills/hb24-1251"},{"href":"https://content.leg.colorado.gov/bills/hb24-1251","text":"https://content.leg.colorado.gov/bills/hb24-1251"}],[{"href":"https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf","text":"https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf"},{"href":"https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf","text":"https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf"}],[{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view"},{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf"},{"href":"https://hermes.cde.state.co.us/islandora/object/co%3A38597","text":"https://hermes.cde.state.co.us/islandora/object/co%3A38597"}],[],[{"href":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2","text":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2"}]],"rows":[["Failure ID","Exact route","Actual result","Consequence / exact remaining action"],["S_CO-P2-F001","https://www.sos.state.co.us/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx and https://www.coloradosos.gov/CCR/Upload/AGORequest/AdoptedRules02024-00603.docx","Reader returned (400) Unsupported content-type: application/octet-stream. Official docket and register links reached this attachment.","Recover a readable official adopted attachment or current compiled rule through an ordinary public route."],["S_CO-P2-F002","https://www.sos.state.co.us/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc and https://www.coloradosos.gov/CCR/Upload/AGORequest/BasisAndPurposeAttachment2024-00603.doc","Same unsupported-content-type error.","Final-associated basis body remains unread; S004 cannot replace it."],["S_CO-P2-F003","D002’s “Attorney General Opinion 02/24/2025” link; alternate docket host https://www.coloradosos.gov/CCR/eDocketDetails.do?trackingNum=2024-00603","Link resolved back to the docket, with 500 Internal Server Error, without an opinion body.","Recover the actual opinion for docket 2024-00603; no separate opinion URL was established."],["S_CO-P2-F004","Exploratory PDF addresses: https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2&ruleId=2980 ; https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4%20CCR%20902-2 ; https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleId=2980 ; https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=7291&fileName=4%20CCR%20902-2&current=true","Reported not accessible via this tool.","These were exploratory addresses, not verified current-rule endpoints. None establishes a current rule version."],["S_CO-P2-F005","https://www.sos.state.co.us/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf ; https://www.coloradosos.gov/CCR/Upload/NoticeOfRulemaking/ProposedRuleAttach2024-00603.pdf","First host: unsupported-content-type error. Alternate host: reader reported “(400) OK.”","Proposed attachment unread. Search excerpts were discovery only. This would still be proposed material if recovered."],["S_CO-P2-F006","D001/D002, including long index URL https://www.sos.state.co.us/CCR/DisplayRule.do?action=ruleinfo&agencyID=4&agencyName=902+Administrator-Uniform+Consumer+Credit+Code+and+Commission+on+Consumer+Credit&deptID=11&deptName=900+Law&ruleId=2980&seriesNum=4+CCR+902-2","Some index/docket reads succeeded; other attempts returned 500. S010 also returned 500 on later retries, including its www.coloradosos.gov equivalent.","Preserve successful earlier passage reads and later failures separately; do not describe continuous availability."],["S_CO-P2-F007","https://olls.info/crs/crs2026-title-05.htm","Fresh attempts reported not accessible via this tool.","PASS-01’s 2026 reading remains carried context. S002 is a fresh 2025 read, not a fresh 2026 verification."],["S_CO-P2-F008","https://leg.colorado.gov/bills/hb24-1251 ; https://content.leg.colorado.gov/bills/hb24-1251","403 Forbidden at the first; not accessible at the second.","The fiscal note and relevant compiled statute were readable. Neither supplies the missing administrative determination."],["S_CO-P2-F009","https://coag.gov/app/uploads/2025/04/2025-DM-Full-Application-FINAL.pdf ; https://coag.gov/app/uploads/2025/06/2025-DM-Full-Application-FINAL-5.25.pdf ; S012’s literal URL above","April route: 502, then 404. June route: 404. December route: successful parallel passage read, then main-thread 404.","Indexed excerpts and filenames do not establish fee adoption dates. Mixed results for S012 are preserved."],["S_CO-P2-F010","https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/view ; https://hermes.cde.state.co.us/islandora/object/co%3A38597/datastream/OBJ/download/2023_sunset_review__Colorado_Uniform_Debt-management_Services_Act.pdf ; https://hermes.cde.state.co.us/islandora/object/co%3A38597","DORA sunset-report view/download routes timed out; object landing page was not accessible.","Search excerpts remained leads. No full-report reading or fee-effective-date conclusion is claimed."],["S_CO-P2-F011","Domain-restricted search: site:coprrr.colorado.gov \"2023\" \"Debt-Management\"","Tool reported robots exclusion for coprrr.colorado.gov, without a specific page URL.","Recorded as a blocked search route. No page URL is invented; no workaround attempted."],["S_CO-P2-F012","https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2","Parent-rule page reported not accessible.","Specific Rule 4 page S006 was successfully read; this failure did not prevent that secondary comparison."]]},{"headers":["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources / pinpoints","Conditions, currentness, confidence limits"],["S_CO-P2-C001","Official records identify the 2025 Rule 4 adoption process, but the final/current rule body, final basis, and AG-opinion body were not recovered in readable form.","D001–D004; F001–F006","High confidence in recorded retrieval results and observed metadata; operative wording remains held."],["S_CO-P2-C002","Cornell and Justia reproduce the allocation alternatives and enrollment/savings language quoted in §A.2.","S006–S007, Rule 4(a)(1)","Verified as secondary text only. No numerical settlement rate or complete current charging entitlement cleared."],["S_CO-P2-C003","The official historical draft has corresponding allocation language but different numbering and an opening principal-reduction condition absent from the secondary reproduction.","S003 opening, 1(a), 2, 2(a); S006–S007","High confidence in comparison. Draft scope must not be transplanted into unread final text."],["S_CO-P2-C004","The disputed reference correctly connected the former statutory refund provision to the former education-fee provision; both were repealed effective March 1, 2025.","S001 §223(d)(4), (e), p.215; S002 corresponding repealed subsections and editorial notes","Historical provenance verified. Does not establish replacement-rule authority."],["S_CO-P2-C005","The stale-looking reference appears in an official AG draft as well as the secondary rule reproduction; a copy-forward explanation is supported but remains an inference.","S003 2(a); S001 §223(e)(1); S006–S007 Rule 4(b)(1)","Not merely attributable to Cornell. No official correction or final-text confirmation obtained."],["S_CO-P2-C006","The reproduction describes the no-assent education fee, administrator-approved larger fee, and refund triggered by assent before ninety days expire after services end.","S006–S007 Rule 4(b), (b)(1); historical comparison S003 2–2(a)","All conditions and §228(d) reference retained. Current charging authority and authoritative refund construction remain held."],["S_CO-P2-C007","Surviving §223(c) separately addresses education/counseling charges after agreement assent; it does not itself repair Rule 4’s cross-reference.","S002 §223(c)","Freshly read in 2025 compilation; currentness dependency carried from PASS-01. No provider-specific administrator approval established."],["S_CO-P2-C008","The readable basis PDF is proposal-stage material. Its statutory citation differs from the notice’s (d)(3)(C) citation.","S004 p.1; S005 p.1 §III; S002 §223(d)(2)(C)","No inference that proposed and final basis are identical; no validity adjudication from the citation discrepancy."],["S_CO-P2-C009","Current operational materials post $1,500 counseling and $5,000 settlement/both fees; the webpage covers initial/renewal fees, and the application requires its fee with submission.","S008 fee section; S009 pp.1, 7","Operationally verified. Provider charges, not an established consumer pass-through entitlement or proof of a provider’s status."],["S_CO-P2-C010","Administrative fee-setting authority and the legislation’s method change are established separately from the exact posted amounts’ adoption.","S002 §232(e), source note; S011 pp.2–3","Delegation/effective date of legislation does not establish the schedule’s effective date."],["S_CO-P2-C011","Historical version 7291 states $1,000 initial/renewal fees; it does not resolve the newer differentiated schedule.","S010 Rule 1(a)–(b), p.1","Historical text actually read. Current Rule 1 and intervening administrative exercise not verified."],["S_CO-P2-C012","No dated final instrument establishing the $1,500/$5,000 amounts was recovered.","S008–S012 examined for relevant fee evidence; D006; F008–F011","Bounded negative result. Establishment date, affected cycles, and supersession history remain unknown."],["S_CO-P2-C013","No responsive official correction, substantive interpretation, later amendment, or controlling decision resolving the education/refund reference was located in the targeted routes checked.","S001–S007 comparison; D001–D005 and targeted official-domain/court searches","Not an exhaustive subsequent-history certification or proof of nonexistence."],["S_CO-P2-C014","This pass establishes neither named-provider authorization nor completion of broader Colorado categories.","Defined PASS-02 scope; supplied PASS-01 boundary","Provider status and later-pass categories remain open. Arithmetic review does not clear legal premises."]]},{"headers":["Earlier claim ID","Supplied assertion retained","PASS-02 patch","Resulting status / linked claims"],"index":6,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Earlier claim ID","Supplied assertion retained","PASS-02 patch","Resulting status / linked claims"],["S_CO-P1-C015","“Current instructions request $1,500 for counseling, $5,000 settlement, $5,000 both; initial PDF application and portal renewal routes are available.”","Amounts and application-submission instruction freshly confirmed. Distinguish current operational publication, statutory delegation, and the still-missing dated exercise of that delegation. No consumer pass-through or named-provider authorization established.","Operational finding retained; dated instrument held. C009–C012."],["S_CO-P1-C022","“Rule 4 reproduction reports proportional enrollment-debt or invariant savings-percentage methods; no numerical settlement percentage is cleared by this pass.”","Exact reproduced passage supplied and compared with official historical draft. Preserve numbering/scope differences. Official adopted/current wording remains unread.","Partial status retained. C001–C003."],["S_CO-P1-C024","“The reproduced standalone $100/administrator-approved-larger-fee and 90-day refund provisions cannot yet be treated as cleared current charging authority.”","Add verified historical provenance: the reference was correct in the former statute and also appears in an official draft. Do not describe it solely as a Cornell error; do not silently repair it.","Charging-authority hold retained; provenance substantially clarified. C004–C007, C013."],["S_CO-P1-C034","“Statutory fee changes took effect March 1, 2025; rule is officially listed effective March 30; 2026 annual expiration was postponed.”","Fresh historical/repeal passages and procedural metadata support the identified transition records. The earlier 2026 annual-extension finding is carried forward as supplied; its act was not reread in this pass. Final wording, transition-period construction, and exhaustive stay/vacatur history remain unclosed.","Earlier date/status finding preserved within its limits. C001, C004, C008, C013."]]},{"headers":["Earlier dependency","Treatment in PASS-02","Fresh evidence or remaining dependency"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Earlier dependency","Treatment in PASS-02","Fresh evidence or remaining dependency"],["S_CO-P1-S001, including current §223 and §232 findings","Earlier current-law conclusions retained as supplied context; no claim of fresh successful 2026 reading","Fresh S002 is the 2025 compilation; fresh 2026 attempt failed at F007."],["S_CO-P1-S003, HB24-1380 §§5–6","Earlier enacted-law analysis carried; signed act not reread here","S001–S002 independently supply the narrow historical/repeal passages needed for this follow-up."],["S_CO-P1-S004–S005, rule metadata/purpose","Not converted into operative rule text","D001–D004 supply fresh procedural checks; S004 is explicitly proposed basis material."],["S_CO-P1-S006, unread final attachment","Hold continues","F001–F003 identify the exact unresolved final documents and access failures."],["S_CO-P1-S007, Cornell reproduction","Relevant body freshly read","S006; secondary comparison added through S007 and historical primary S003."],["S_CO-P1-S008, 2026 annual-extension legislation","Earlier finding retained by attribution","No fresh reading or expanded subsequent-history conclusion in this pass."],["S_CO-P1-S009–S010, registration/application materials","Relevant operational passages freshly checked","S008–S009. Dated fee-setting instrument remains separate."],["Coordinator’s scope review and separate arithmetic checks","Accepted only as supplied process history","Neither is represented as a check performed here or as clearance of legal premises."]]},{"headers":["Component","Status","Claim IDs","Missing evidence / exact next investigation"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claim IDs","Missing evidence / exact next investigation"],["Official full current Rule 4(a)(1), (b), (b)(1)","Unresolved","C001–C003, C006","Readable official current compiled rule or final AdoptedRules02024-00603.docx; compare scope, numbering, punctuation, and all operative clauses."],["Final adopted basis / adoption instrument","Unresolved","C001, C008","Readable BasisAndPurposeAttachment2024-00603.doc and any final adoption order; determine whether final reasoning differs from S004."],["AG legal-review opinion","Unresolved","C001","Actual February 24, 2025 opinion body for docket 2024-00603, including qualifications."],["Settlement-allocation transcription comparison","Answered as a documentary comparison; legal-final verification partial","C002–C003","Official-final comparison remains necessary. No repeated fee mathematics or numerical rate clearance."],["Education/refund reference’s historical origin","Answered","C004–C005","Former statutory relationship and draft retention established."],["Current education charging/refund construction","Unresolved","C006–C007, C013","First recover final wording; then locate any official correction, final explanation, LLS 250175 review material, or controlling interpretation addressing the reference."],["Posted administrative amounts and application payment instruction","Answered operationally","C009","No additional arithmetic needed."],["Dated authority establishing $1,500/$5,000 schedule","Unresolved","C010–C012","Dated final administrative determination/schedule/order/notice specifying amounts, adoption/effective dates, affected initial/renewal cycles, and later supersession. Recover through an ordinary public agency/archive route; otherwise retain hold under the no-contact restriction."],["Historical $1,000 rule versus newer schedule","Partial","C011–C012","Current Rule 1 plus intervening administrative instrument; no inference that the older figure controls today."],["Named-provider status","Open; excluded from this narrow follow-up","C014","Later public regulator-status verification for a specifically identified legal entity, registration, activity, and relevant date."],["New conditional worked examples","Not added","C002, C006, C014","No new example is needed to resolve these documentary questions. Prior arithmetic checks remain separate from legal authorization."],["Agreement, funds, bond, remedies","Open for later required passes","C014","Full operative statutory/rule/contract treatment remains outside this component."],["Collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract, and broader case-law coverage","Open for later required passes","C014","No implied completion from the narrow cross-reference search."],["Colorado dossier or A066 acceptance","Not established","C014","This component cannot supply whole-state acceptance."]]}],"claims":[{"claim_id":"S_CO-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C001","Precise assertion":"Official records identify the 2025 Rule 4 adoption process, but the final/current rule body, final basis, and AG-opinion body were not recovered in readable form.","Sources / pinpoints":"D001–D004; F001–F006","Conditions, currentness, confidence limits":"High confidence in recorded retrieval results and observed metadata; operative wording remains held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C002","Precise assertion":"Cornell and Justia reproduce the allocation alternatives and enrollment/savings language quoted in §A.2.","Sources / pinpoints":"S006–S007, Rule 4(a)(1)","Conditions, currentness, confidence limits":"Verified as secondary text only. No numerical settlement rate or complete current charging entitlement cleared."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C003","Precise assertion":"The official historical draft has corresponding allocation language but different numbering and an opening principal-reduction condition absent from the secondary reproduction.","Sources / pinpoints":"S003 opening, 1(a), 2, 2(a); S006–S007","Conditions, currentness, confidence limits":"High confidence in comparison. Draft scope must not be transplanted into unread final text."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C004","Precise assertion":"The disputed reference correctly connected the former statutory refund provision to the former education-fee provision; both were repealed effective March 1, 2025.","Sources / pinpoints":"S001 §223(d)(4), (e), p.215; S002 corresponding repealed subsections and editorial notes","Conditions, currentness, confidence limits":"Historical provenance verified. Does not establish replacement-rule authority."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C005","Precise assertion":"The stale-looking reference appears in an official AG draft as well as the secondary rule reproduction; a copy-forward explanation is supported but remains an inference.","Sources / pinpoints":"S003 2(a); S001 §223(e)(1); S006–S007 Rule 4(b)(1)","Conditions, currentness, confidence limits":"Not merely attributable to Cornell. No official correction or final-text confirmation obtained."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C006","Precise assertion":"The reproduction describes the no-assent education fee, administrator-approved larger fee, and refund triggered by assent before ninety days expire after services end.","Sources / pinpoints":"S006–S007 Rule 4(b), (b)(1); historical comparison S003 2–2(a)","Conditions, currentness, confidence limits":"All conditions and §228(d) reference retained. Current charging authority and authoritative refund construction remain held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C007","Precise assertion":"Surviving §223(c) separately addresses education/counseling charges after agreement assent; it does not itself repair Rule 4’s cross-reference.","Sources / pinpoints":"S002 §223(c)","Conditions, currentness, confidence limits":"Freshly read in 2025 compilation; currentness dependency carried from PASS-01. No provider-specific administrator approval established."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C008","Precise assertion":"The readable basis PDF is proposal-stage material. Its statutory citation differs from the notice’s (d)(3)(C) citation.","Sources / pinpoints":"S004 p.1; S005 p.1 §III; S002 §223(d)(2)(C)","Conditions, currentness, confidence limits":"No inference that proposed and final basis are identical; no validity adjudication from the citation discrepancy."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C009","Precise assertion":"Current operational materials post $1,500 counseling and $5,000 settlement/both fees; the webpage covers initial/renewal fees, and the application requires its fee with submission.","Sources / pinpoints":"S008 fee section; S009 pp.1, 7","Conditions, currentness, confidence limits":"Operationally verified. Provider charges, not an established consumer pass-through entitlement or proof of a provider’s status."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C010","Precise assertion":"Administrative fee-setting authority and the legislation’s method change are established separately from the exact posted amounts’ adoption.","Sources / pinpoints":"S002 §232(e), source note; S011 pp.2–3","Conditions, currentness, confidence limits":"Delegation/effective date of legislation does not establish the schedule’s effective date."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C011","Precise assertion":"Historical version 7291 states $1,000 initial/renewal fees; it does not resolve the newer differentiated schedule.","Sources / pinpoints":"S010 Rule 1(a)–(b), p.1","Conditions, currentness, confidence limits":"Historical text actually read. Current Rule 1 and intervening administrative exercise not verified."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C012","Precise assertion":"No dated final instrument establishing the $1,500/$5,000 amounts was recovered.","Sources / pinpoints":"S008–S012 examined for relevant fee evidence; D006; F008–F011","Conditions, currentness, confidence limits":"Bounded negative result. Establishment date, affected cycles, and supersession history remain unknown."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C013","Precise assertion":"No responsive official correction, substantive interpretation, later amendment, or controlling decision resolving the education/refund reference was located in the targeted routes checked.","Sources / pinpoints":"S001–S007 comparison; D001–D005 and targeted official-domain/court searches","Conditions, currentness, confidence limits":"Not an exhaustive subsequent-history certification or proof of nonexistence."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CO-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CO-P2-C014","Precise assertion":"This pass establishes neither named-provider authorization nor completion of broader Colorado categories.","Sources / pinpoints":"Defined PASS-02 scope; supplied PASS-01 boundary","Conditions, currentness, confidence limits":"Provider status and later-pass categories remain open. Arithmetic review does not clear legal premises."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_CO-P2-S001","urls":["https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf","https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S001","Title / issuer":"Colorado Revised Statutes 2024, Title 5 — Colorado General Assembly / OLLS","Direct literal URL":"https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.pdf","Exact pinpoint read":"§5-19-223(d)(2)(A)(iii), (d)(4)(A)–(B), (e)(1)–(2), printed p.215; PDF page index 214","Version, status, jurisdiction, and limitation":"Official Colorado historical compilation. Used for provenance and express transition/repeal language, not as the current compilation."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_CO-P2-S002","urls":["https://olls.info/crs/crs2025-title-05.htm","https://olls.info/crs/crs2025-title-05.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S002","Title / issuer":"Colorado Revised Statutes 2025, Title 5 — OLLS","Direct literal URL":"https://olls.info/crs/crs2025-title-05.htm","Exact pinpoint read":"§223(c), (d)(2)(C), (d)(4), (e), editorial notes (2)–(3); §232(e) and source note","Version, status, jurisdiction, and limitation":"Official Colorado 2025 compilation freshly read. The 2026 currentness finding remains carried from PASS-01; fresh 2026 retrieval failed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S003","urls":["https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf","https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S003","Title / issuer":"Debt-Management Draft Rule 4 Status Quo — Colorado Department of Law / UCCC Administrator","Direct literal URL":"https://coag.gov/app/uploads/2024/10/DM-Draft-Rule-4-Status-Quo.pdf","Exact pinpoint read":"Entire one-page draft, especially opening condition, 1(a), 2, 2(a)","Version, status, jurisdiction, and limitation":"Official draft hosted in an October 2024 path. No adoption/effective date inferred from the path. Not operative authority."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_CO-P2-S004","urls":["https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf","https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S004","Title / issuer":"Statement of Basis, Specific Statutory Authority, and Purpose, 4 CCR 902-2 — Department of Law","Direct literal URL":"https://coag.gov/app/uploads/2024/12/Statement-of-Basis-and-Purpose-DMSA-Fees.pdf","Exact pinpoint read":"p.1, authority paragraphs, purpose paragraph, final paragraph","Version, status, jurisdiction, and limitation":"Official proposed statement, identified by its own wording. Not the unread final-associated DOC."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S005","urls":["https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf","https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S005","Title / issuer":"Notice of Proposed Rulemaking—Fees Charged to Consumers for Debt-Management Services — UCCC Administrator","Direct literal URL":"https://coag.gov/app/uploads/2024/12/Notice-of-rulemaking-hearing-DMSA-Fees.pdf","Exact pinpoint read":"p.1 §§I–IV; p.2 §V","Version, status, jurisdiction, and limitation":"Notice dated December 11, 2024, hearing scheduled January 24, 2025. Proposal-stage procedural material; not an adoption order."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S006","urls":["https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4","https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S006","Title / issuer":"4 CCR 902-2-4—Fees Charged to Consumers for Debt-Management Services — Cornell LII","Direct literal URL":"https://www.law.cornell.edu/regulations/colorado/4-CCR-902-2-4","Exact pinpoint read":"Rule 4(a)(1), (b), (b)(1); history note","Version, status, jurisdiction, and limitation":"Secondary transcription, freshly read. Note identifies 48 CR 05, March 10, 2025, effective March 30, 2025. Does not replace official final text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S007","urls":["https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/","https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S007","Title / issuer":"Code of Colorado Regulations, Rule 4 CCR 902-2, §4 — Justia","Direct literal URL":"https://regulations.justia.com/states/colorado/900/902/rule-4-ccr-902-2/rule-4-ccr-902-2-4/","Exact pinpoint read":"Rule 4(a)(1), (b), (b)(1), currency statement","Version, status, jurisdiction, and limitation":"Secondary reproduction stating current through June 10, 2025, with an express currency disclaimer. Agreement with Cornell is not independent primary verification."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S008","urls":["https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/","https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S008","Title / issuer":"Debt Management: Registration — Colorado AG","Direct literal URL":"https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/debt-management/registration/","Exact pinpoint read":"“Debt Management Notification Fees”; application link; renewal-portal paragraph","Version, status, jurisdiction, and limitation":"Current operational publication as observed. No dated adopting instrument in the relevant passages or linked application."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S009","urls":["https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf","https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S009","Title / issuer":"Debt Management Services Provider Application & Instructions — Department of Law","Direct literal URL":"https://coag.gov/app/uploads/2026/09/DM-Full-Application-10.26.pdf","Exact pinpoint read":"p.1 “Fee Information,” including submission trigger; repeated fee section p.7","Version, status, jurisdiction, and limitation":"Current application reached from S008. Filename/upload path are not legal effective dates. No application was submitted."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S010","urls":["https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291","https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S010","Title / issuer":"Uniform Debt-Management Services Act Rules, 4 CCR 902-2, version 7291 — Colorado SOS","Direct literal URL":"https://www.sos.state.co.us/CCR/GenerateRulePdf.do?fileName=4+CCR+902-2&ruleVersionId=7291","Exact pinpoint read":"p.1 Rule 1(a)–(b); two-page document contains Rules 1–3","Version, status, jurisdiction, and limitation":"Official historical compilation, successfully read earlier in this pass. Later retries returned 500. Not the current Rule 4 compilation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S011","urls":["https://leg.colorado.gov/bill_files/42486/download","https://leg.colorado.gov/bill_files/42486/download?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CO-P2-S011","Title / issuer":"HB24-1251 Final Fiscal Note — Legislative Council Staff","Direct literal URL":"https://leg.colorado.gov/bill_files/42486/download","Exact pinpoint read":"June 13, 2024; p.2 “Summary of Legislation”; p.3 “Effective Date”","Version, status, jurisdiction, and limitation":"Official explanatory fiscal document. Supports the described method change, not a fee schedule or establishing instrument."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CO-P2-S012","urls":["https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf"],"researcher_record":{"Source ID":"S_CO-P2-S012","Title / issuer":"Earlier Debt Management Services Provider Application and Instructions — Department of Law","Direct literal URL":"https://coag.gov/app/uploads/2025/12/2025-DM-Full-Application-FINAL-12.25.pdf","Exact pinpoint read":"p.1 “Fee Information,” parsed lines 25–31","Version, status, jurisdiction, and limitation":"Parallel research check returned and read the fee passage; subsequent main-thread retry returned 404. Records that successful passage read, not continuing availability or a December 2025 effective date."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Official full current Rule 4(a)(1), (b), (b)(1)","researcher_record":{"Component":"Official full current Rule 4(a)(1), (b), (b)(1)","Status":"Unresolved","Claim IDs":"C001–C003, C006","Missing evidence / exact next investigation":"Readable official current compiled rule or final AdoptedRules02024-00603.docx; compare scope, numbering, punctuation, and all operative clauses."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Final adopted basis / adoption instrument","researcher_record":{"Component":"Final adopted basis / adoption instrument","Status":"Unresolved","Claim IDs":"C001, C008","Missing evidence / exact next investigation":"Readable BasisAndPurposeAttachment2024-00603.doc and any final adoption order; determine whether final reasoning differs from S004."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"AG legal-review opinion","researcher_record":{"Component":"AG legal-review opinion","Status":"Unresolved","Claim IDs":"C001","Missing evidence / exact next investigation":"Actual February 24, 2025 opinion body for docket 2024-00603, including qualifications."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement-allocation transcription comparison","researcher_record":{"Component":"Settlement-allocation transcription comparison","Status":"Answered as a documentary comparison; legal-final verification partial","Claim IDs":"C002–C003","Missing evidence / exact next investigation":"Official-final comparison remains necessary. No repeated fee mathematics or numerical rate clearance."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Education/refund reference’s historical origin","researcher_record":{"Component":"Education/refund reference’s historical origin","Status":"Answered","Claim IDs":"C004–C005","Missing evidence / exact next investigation":"Former statutory relationship and draft retention established."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current education charging/refund construction","researcher_record":{"Component":"Current education charging/refund construction","Status":"Unresolved","Claim IDs":"C006–C007, C013","Missing evidence / exact next investigation":"First recover final wording; then locate any official correction, final explanation, LLS 250175 review material, or controlling interpretation addressing the reference."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Posted administrative amounts and application payment instruction","researcher_record":{"Component":"Posted administrative amounts and application payment instruction","Status":"Answered operationally","Claim IDs":"C009","Missing evidence / exact next investigation":"No additional arithmetic needed."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Dated authority establishing $1,500/$5,000 schedule","researcher_record":{"Component":"Dated authority establishing $1,500/$5,000 schedule","Status":"Unresolved","Claim IDs":"C010–C012","Missing evidence / exact next investigation":"Dated final administrative determination/schedule/order/notice specifying amounts, adoption/effective dates, affected initial/renewal cycles, and later supersession. Recover through an ordinary public agency/archive route; otherwise retain hold under the no-contact restriction."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Historical $1,000 rule versus newer schedule","researcher_record":{"Component":"Historical $1,000 rule versus newer schedule","Status":"Partial","Claim IDs":"C011–C012","Missing evidence / exact next investigation":"Current Rule 1 plus intervening administrative instrument; no inference that the older figure controls today."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider status","researcher_record":{"Component":"Named-provider status","Status":"Open; excluded from this narrow follow-up","Claim IDs":"C014","Missing evidence / exact next investigation":"Later public regulator-status verification for a specifically identified legal entity, registration, activity, and relevant date."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"New conditional worked examples","researcher_record":{"Component":"New conditional worked examples","Status":"Not added","Claim IDs":"C002, C006, C014","Missing evidence / exact next investigation":"No new example is needed to resolve these documentary questions. Prior arithmetic checks remain separate from legal authorization."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement, funds, bond, remedies","researcher_record":{"Component":"Agreement, funds, bond, remedies","Status":"Open for later required passes","Claim IDs":"C014","Missing evidence / exact next investigation":"Full operative statutory/rule/contract treatment remains outside this component."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract, and broader case-law coverage","researcher_record":{"Component":"Collection, litigation, limitations, exemptions, secured debt, sector, local, tribal, contract, and broader case-law coverage","Status":"Open for later required passes","Claim IDs":"C014","Missing evidence / exact next investigation":"No implied completion from the narrow cross-reference search."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Colorado dossier or A066 acceptance","researcher_record":{"Component":"Colorado dossier or A066 acceptance","Status":"Not established","Claim IDs":"C014","Missing evidence / exact next investigation":"This component cannot supply whole-state acceptance."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}