{"meta":{"key":"s_ct--pass-01","task":"S_CT","title":"SCT Connecticut provider market access and consumer fees","parent_title":"Connecticut debt and debt relief law","edition":"pass-01","path":"/research/s_ct--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":7,"claims":38,"sources":34,"review_status":"revise","review_complete":true,"sha256":"56aa050f54600c0ca5a7d2d86379e3c39031bb8a34fc92a6acabf20c8978f719","headings":["A. Substantive answers to the seven scope questions","1. Classification depends on conduct","2. Permission, prohibitions, and exemptions","3. Applicable fee structures, amounts, bases, and remaining holds","4. When fees may be requested or received","5. Actual public application and authorization verification","6. Bounded worked examples","7. Component coverage and subsequent investigations","B. Source register","Controlling text, fee authority, interpretations, and decisions","Access failures and currentness evidence","C. Claim register","Classification and permission","Fees, timing, cancellation, and verification","D. Worked examples and component coverage","Worked examples","Component coverage and exact next investigations","E. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-01","facets":{"geography":["us","us-ct"],"debt_type":["unknown"],"stage":[],"subject":["definitions-classification","fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fee framework only; all other state categories remain required","pending_corrections":0},"markdown":"# S_CT PASS-01 — Connecticut provider market access and consumer fees\n\n**Connecticut provides licensing routes for both debt adjustment and debt negotiation.** The retrieved law does not support treating all for-profit debt settlement as prohibited. It also does not support treating every debt-management, counseling, settlement, or attorney-affiliated business as operating under the same permission or fee rules. The activity performed, receipt and distribution of debtor funds, consumer purpose, Connecticut nexus, and any qualifying exemption determine the applicable route. **[C001–C019]** [prdext3.cga.ct.gov+3](https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com)\n\nFor a nonexempt unsecured-debt negotiator, the published schedule specifies **a reasonable setup fee up to $50; monthly service fees up to $8 per listed creditor, capped at $40 per month; and total aggregate fees, including those charges, capped at 10% of the debt reduction achieved in each settlement.** These are ceilings, subject to performance and collection conditions. **[C020–C026]** [portal.ct.gov](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees?utm_source=chatgpt.com)\n\n**Baseline:** October 22, 2026, Pacific.\n**Actual research/access date:** October 23, 2026, Pacific and UTC.\n\n**Currentness qualification:** I read the official 2025 statutes together with the 2026 supplement, relevant enacted changes, current agency materials, and an October 6, 2026 final administrative order. Targeted searches found no later amendment to the provisions at issue. An exhaustive check of all 2026 enactments remains open: the official amended-statutes and conversion-table indexes still stopped at 2025, although the acts list covered 2026. Consequently, this report does **not** certify that every enacted 2026 provision has been excluded as a possible amendment. **[C037]** [prdext3.cga.ct.gov+2](https://prdext3.cga.ct.gov/lco/statutes-actsref.asp?utm_source=chatgpt.com)\n\nThis is the **provider-access and consumer-fees component only**. No whole-state or A066 acceptance follows.\n\n**ID convention:** In the discussion, C001 means **S_CT-P1-C001**, and S001 means **S_CT-P1-S001**. The registers below give the full unique IDs.\n\n## A. Substantive answers to the seven scope questions\n\n### 1. Classification depends on conduct\n\nThe central division is between **receiving debtor funds for distribution** and **assisting with negotiation of obligations**.\n\n| Actual conduct | Connecticut classification and consequence | Claims |\n| --- | --- | --- |\n| Compensated receipt, as the debtor’s agent, of money or evidence of money for distribution among creditors | Debt adjustment. A conventional custodial DMP can qualify even if creditors receive full principal and no concession is negotiated. | C001 |\n| Compensated assistance negotiating, or attempting to negotiate, a debtor’s obligations | Debt negotiation. Custody of funds and a successful principal reduction are not prerequisites. | C002 |\n| Obtaining interest, payment-term, fee, or other concessions without handling debtor funds | Potential debt negotiation. The breadth of coverage does not resolve how every concession is valued under the savings-based fee ceiling. | C002, C026 |\n| General education or budgeting without the statutory negotiation assistance or fund-distribution activity | Not established as either regulated activity on those facts alone. “Coaching” that actually assists negotiation, or an offer made with expected later compensation, requires further classification. | C004 |\n| Paid correction of adverse credit-report information, or advice about accomplishing that correction | Potential “credit clinic” conduct under §36a-700, with its own performance-before-fee rule. | C005 |\n| Genuine business-purpose obligations or debts of an entity | Outside the particular consumer-debtor definitions examined here. This is not a clearance under commercial, collection, lending, or other law. | C003 |\n| A creditor adjusting its own receivable in its creditor capacity | Ordinarily different from acting as the debtor’s adjustment agent or paid negotiation representative; this is a functional inference, not an express general self-creditor exemption in the two exemption sections. | C016 |\n\nThe definitions use compensation **or its expectation**. A free introductory stage, a different payment label, or compensation from another source does not by itself establish an exclusion. **S001 §36a-655(5)–(6); S002 §36a-671(a)(4)–(5).** [prdext3.cga.ct.gov+1](https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com)\n\nFor **debt negotiation**, §36a-671(b) expressly reaches a Connecticut business location, an out-of-state provider contracting with a Connecticut resident through the specified in-person or remote channels, and an out-of-state provider dealing with debt secured by Connecticut property. For **debt adjustment**, §36a-656 uses “in this state,” and §36a-659 expressly addresses Connecticut-resident funds; I did not substitute the negotiation statute’s three-part test for the adjustment statute. **[C006–C007]** [prdext3.cga.ct.gov+1](https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com)\n\n### 2. Permission, prohibitions, and exemptions\n\nThe issuing authority is the **Connecticut Banking Commissioner, Department of Banking**. Nonexempt adjustment and negotiation require the applicable license; filing an application is not permission to operate. The statutes provide main-office and branch licensing, fitness and financial-responsibility requirements, solvency requirements, and bonding conditions. For-profit and nonprofit adjustment licensing are both recognized. **[C008; S001 §36a-656; S002 §36a-671(b)–(d)]** [prdext3.cga.ct.gov+2](https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com)\n\nThe exemptions differ materially:\n\n- **Adjustment:** §36a-663 covers the specified Connecticut attorney activity ancillary to representation; qualifying financial institutions acting in their regular principal business; qualifying title/abstract companies doing escrow business; and persons acting pursuant to specified law or court order. There is **no general nonprofit exception** in this section.\n- **Negotiation:** §36a-671c covers the specified attorney category, subject to *Persels*; enumerated banks and credit unions; qualifying subsidiaries; licensed debt adjusters **while performing adjustment services**; court-ordered actors; and qualifying bona fide §501(c)(3) nonprofits. Its stated exclusion applies to §§36a-671 through 36a-671d. **[C009–C012]** [Regulated Activities+1](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\nThus, a qualifying nonprofit’s noncustodial negotiation activity and its custodial DMP activity can have different licensing results. Likewise, an adjustment license does not establish an exemption for every separate settlement service the company might sell.\n\n**Attorney qualification requires the controlling cases.** In *Persels*, the Connecticut Supreme Court held the negotiation scheme unenforceable against Connecticut attorneys engaged in bona fide legal practice. It identified real legal services, a genuine attorney-client relationship, and meaningful supervision as relevant; an attorney serving as a front does not establish protection. The court also expected disciplinary review of fees to consider the statutory schedule. **[C013]** [cases.justia.com](https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625&utm_source=chatgpt.com)\n\nThe 2025 *Commonwealth Servicing Group* decision addressed judicial jurisdiction to resolve the *Persels* issue. It expressly did **not** decide whether the commissioner ultimately could regulate the plaintiffs. The later December 17, 2025 agreement resolved the dispute without admissions or a merits adjudication. Neither establishes a universal exemption for law-firm affiliates. **[C014–C015]** [cases.justia.com+1](https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911&utm_source=chatgpt.com)\n\nI have not extended *Persels* automatically to the separate adjustment exemption in §36a-663. **[C017]**\n\n### 3. Applicable fee structures, amounts, bases, and remaining holds\n\n| Structure | Verified rule | Consequential limitation |\n| --- | --- | --- |\n| Unsecured negotiation setup | Reasonable one-time initial/setup fee, maximum **$50** | Counts toward the aggregate ceiling; its name does not authorize advance collection. |\n| Unsecured negotiation monthly service | Maximum **$8 per creditor listed in the contract**, maximum **$40 per debtor per month** | Creditor is the stated unit. Multiple accounts do not automatically create multiple creditor units. |\n| Unsecured negotiation aggregate | Maximum **10% of the debt reduction in each settlement**, including initial and service fees, as the settlement is achieved and as agreed in the contract | Not 10% of enrolled debt. Joint household obligations do not permit a higher percentage. |\n| Separate settlement/success fee | No separate additional dollar allowance is stated in the schedule | Remaining space below the aggregate ceiling is not, by itself, proof that a separately structured success fee is earned or authorized. |\n| Secured negotiation | Debtor/mortgagor fee maximum **$500** | Collectible only after successful completion of **all** contracted services. The schedule does not prohibit mortgagee/assignee compensation. Other applicable secured-debt rules remain open. |\n| Adjustment/DMP preliminary counseling | Required individualized counseling and budgeting before agreement: **$0** | Applies to adjustment licensees under §36a-660(2). |\n| Other adjustment/DMP fees | Written fee disclosure and prorated deductions are addressed by statute | A complete current numerical cap was **not established**. No “unlimited fee” conclusion is warranted. |\n| Credit clinic | No charge or receipt before the promised service is fully performed | This limited boundary finding is not full credit-repair compliance clearance. |\n\n**[C020–C030; S004, S001 §§36a-660–661a, 36a-700.]** [portal.ct.gov+3](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees?utm_source=chatgpt.com)\n\n**Historical reconciliation.** The September 28, 2009 announcement states that the new law would take effect October 1, 2009 and reproduces the same schedule. It also identifies the expansion allowing for-profit adjusters. A pre-change prohibition or nonprofit-only table cannot establish present access. No indexing clause or subsequent adjusted-amount notice was found in the fee authority and materials read; I did not calculate an assumed CPI adjustment. **[C024]** [portal.ct.gov](https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators?utm_source=chatgpt.com)\n\nThe October 6, 2026 **CDS final default order** adopted findings concerning a contract fee of 25% of verified debt and its violation of the 10%-of-reduction aggregate limit. That is current administrative application of the limit, with the weight of a default order rather than a contested appellate holding. **[C038]** [Temp CD, Rest, Disg, NOI CD-CP+2](https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469&utm_source=chatgpt.com)\n\nThree fee questions remain specifically held: pre-first-settlement initial/monthly collection under state law; valuation of interest-only or other non-principal concessions; and any independent entitlement to a separately structured success fee. Allocation of shared prior fees between individual settlements also needs an authoritative resolution. **[C026]**\n\n### 4. When fees may be requested or received\n\n**State negotiation rule:** §36a-671b(b) prohibits **receipt** of consideration for a promised service until that service is fully performed, while expressly allowing reasonable periodic payments as services are rendered if clearly stated in the contract. Both sentences matter. The schedule’s settlement-based aggregate language must also be satisfied. A ceiling alone does not resolve collection timing. **[C025–C026]** [Regulated Activities](https://prdext3.cga.ct.gov/2026/sup/chap_669.htm?utm_source=chatgpt.com)\n\nThe provision says “receive”; it does not supply a general affirmative permission to demand advance payment. **Federal timing, where independently applicable, also controls requests.**\n\nUnder **16 C.F.R. §310.4(a)(5)**, a covered debt-relief seller/telemarketer may request or receive fees only after the required alteration of a debt under a customer-executed agreement and a customer payment under the creditor agreement. Individually resolved debts must use the prescribed proportional-fee or uniform-savings-percentage allocation. State licensing does not replace those conditions. **[C033]** [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\nThe federal dedicated-account provision is a separate conditional allowance, not fee ownership: insured institution, consumer ownership, independent administration, no prohibited referral compensation, and the specified withdrawal/refund conditions. **[C034]**\n\n**Cancellation and fee recovery:** Negotiation contracts must provide the three-business-day cancellation right under the current statutory definition. Noncompliant contracts are voidable, and the commissioner can reduce or order repayment of excessive fees upon complaint. Adjustment law separately provides voidability and fee recovery for undisclosed charges. These provisions do not establish a universal state five-day or seven-day refund deadline. **[C030–C032]** [Regulated Activities+2](https://prdext3.cga.ct.gov/2026/sup/chap_669.htm?utm_source=chatgpt.com)\n\n### 5. Actual public application and authorization verification\n\nI read the Department’s **How to Apply** passages for both license types. They direct applicants to Connecticut jurisdiction-specific requirements and NMLS filings using **MU1, MU2, and relevant MU3 records**, with additional jurisdiction materials. These are actual instructions supporting a statutory licensing route. **[C035]** [portal.ct.gov+1](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information?utm_source=chatgpt.com)\n\nThe license pages also identify public lists dated **October 6, 2026** and NMLS Consumer Access. The linked spreadsheets were not readable through the public web tool, Consumer Access failed, and the jurisdiction/checklist routes redirected to unreadable or blank migrated pages. **No named provider’s current authorization—including SettleADebt.com’s—was verified.** A marketing statement, NMLS identifier, or submitted application would not cure that evidentiary gap. **[C036; S022–S028]**\n\nThe operative remote-office order and dual-licensing memorandum were read. They establish conditional operational routes, not permission for an unlicensed enterprise to operate remotely. **[C018–C019]**\n\n### 6. Bounded worked examples\n\nThe examples in Part D distinguish calculations from permission, performance, and payment triggers. They include lower-debt, partial-settlement, previous-fee, cancellation, secured-fee, and unresolved DMP-boundary cases.\n\n### 7. Component coverage and subsequent investigations\n\nThe coverage table in Part D preserves each answered, partial, unresolved, and excluded topic. Agreement terms beyond the necessary fee provisions, funds administration, bond calculations, remedies, collection/litigation/limitations, exempt property, secured-debt regimes, sectors, local and tribal issues, contract questions, and comprehensive case-law coverage remain open.\n\n## B. Source register\n\n**All entries below were checked/accessed during this pass on October 23, 2026.**\n\n- **R:** substantive relevant text freshly read.\n- **H:** attempted source or linked material held; substantive contents not established.\n- **D:** discovery/index evidence only for the underlying documents.\n- PDF page references are one-based document/PDF pages unless a printed page is specified.\n- A current webpage’s presence or update date is not treated as a legal effective date.\n\n### Controlling text, fee authority, interpretations, and decisions\n\n| Unique source ID | Title / issuer and direct literal URL | Exact pinpoint, version/status, and limitation |\n| --- | --- | --- |\n| **S_CT-P1-S001** | Connecticut General Statutes, Chapter 669 — Connecticut General Assembly. [https://prdext3.cga.ct.gov/2025/pub/chap_669.htm](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com) | **R.** §§36a-655–665; 671a, 671c, 671e–f; 700(a), (d)–(e). Official 2025 revision, used with S002. Different sections reuse this document ID. Post-January-2026 exhaustive amendment verification remains qualified. |\n| **S_CT-P1-S002** | 2026 Supplement, Chapter 669 — CGA. [https://prdext3.cga.ct.gov/2026/sup/chap_669.htm](https://prdext3.cga.ct.gov/2026/sup/chap_669.htm?utm_source=chatgpt.com) | **R.** §§36a-658, 664, 671, 671b, 671d; particularly 671(a)–(d), 671b(a)–(c). Revised January 1, 2026, reflecting 2025 legislation. §671b history identifies P.A.25-111 §37’s July 1, 2025 effect. |\n| **S_CT-P1-S003** | P.A.25-115, *An Act Concerning Consumer Credit and Commercial Financing* — CGA. [https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF](https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF?utm_source=chatgpt.com) | **R.** §§3–4, 8–9, approximately pp.4–5, 7–9. Relevant bond-notice/legal-name provisions effective October 1, 2025. Does not supply a new consumer fee schedule. |\n| **S_CT-P1-S004** | *Debt Negotiation Schedule of Maximum Fees* — Connecticut DOB. [https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees?utm_source=chatgpt.com) | **R, entire operative schedule.** “Initial Fee,” “Service Fees,” “Aggregate Fees,” and “Debt Negotiators of Secured Debt.” Currently posted schedule under §671b(b); issuance history corroborated by S005 and application by S017–S018. |\n| **S_CT-P1-S005** | *Schedule of Fees Announced for Debt Negotiators* — DOB, September 28, 2009. [https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators](https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators?utm_source=chatgpt.com) | **R.** Issuance paragraph, October 1 statement, four fee headings. Historical announcement under P.A.09-208 §32(b); not used alone to establish currentness. Archived-query route failed; ordinary URL succeeded. |\n| **S_CT-P1-S006** | *Debt Adjusters—Consumer Information* — DOB. [https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information](https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com) | **R.** DMP description and “Consumer Protections,” items 1–6 and voidability paragraph. Operational explanation; its broad licensing summary is read subject to statutory exemptions. |\n| **S_CT-P1-S007** | *Debt Adjuster Licensing Information* — DOB. [https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information?utm_source=chatgpt.com) | **R.** “Essential Statutes,” notices, “How to Apply.” Current posted NMLS/MU1/MU2/MU3 instructions; linked checklist contents held. |\n| **S_CT-P1-S008** | *Debt Negotiation Licensing Information* — DOB. [https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information](https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information?utm_source=chatgpt.com) | **R.** Statutes, fee schedule, attorney-decision links, “How to Apply.” Current posted instructions; not proof of issuance to any applicant. |\n| **S_CT-P1-S009** | *Debt Adjusters Licensed in Connecticut* — DOB. [https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut](https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut?utm_source=chatgpt.com) | **R page / D roster.** For-profit and nonprofit license categories; October 6, 2026 roster link. Underlying roster not read. |\n| **S_CT-P1-S010** | *Debt Negotiators Licensed in Connecticut* — DOB. [https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut](https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut?utm_source=chatgpt.com) | **R page / D roster.** Definition, exceptions summary, October 6, 2026 roster link. Statute and cases control over abbreviated exception language. |\n| **S_CT-P1-S011** | *Order Establishing Requirements for Conducting Business from a Remote Office Location* — Banking Commissioner. [https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b](https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b&utm_source=chatgpt.com) | **R, complete 2-page order.** II.1–4; III. Effective July 1, 2021 until modified, superseded, or vacated. Still linked by current licensing pages; no superseding instrument found. Earlier COVID no-action position expired June 30, 2021. |\n| **S_CT-P1-S012** | *Debt Adjustment and Money Transmission* memorandum — DOB Consumer Credit Division, January 6, 2016. [https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708](https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708&utm_source=chatgpt.com) | **R, complete 2 pages.** p.1 dual-license statement and footnote 1; p.2 conclusion. Agency position effective March 1, 2016. Conditional processor policy, not a general statutory exemption. |\n| **S_CT-P1-S013** | *Persels & Associates, LLC v. Banking Commissioner*, 318 Conn.652 (2015), SC19359 — Connecticut Supreme Court opinion. [https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625](https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625&utm_source=chatgpt.com) | **R judicial text, reproduction host.** PDF pp.16–20, especially pp.18–20 on holding, supervision, rebuttable presumption, and fees. Released September 15, 2015. Official linked route [https://www.jud.ct.gov/external/supapp/Cases/AROcr/CR318/318CR112.pdf](https://www.jud.ct.gov/external/supapp/Cases/AROcr/CR318/318CR112.pdf) was blocked/inaccessible. |\n| **S_CT-P1-S014** | Debt-negotiation attorney declaratory ruling — DOB, 2012. [https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f](https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f&utm_source=chatgpt.com) | **H substantive text.** Fourteen-page PDF identified but no extracted body text; not represented as fully read. Historical agency interpretation cannot override S013’s holding. |\n| **S_CT-P1-S015** | *Commonwealth Servicing Group, LLC v. Department of Banking*, 351 Conn.701 (2025), SC21011 — Connecticut Supreme Court opinion. [https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911](https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911&utm_source=chatgpt.com) | **R judicial text, reproduction host.** PDF p.8 n.3; pp.19–22 jurisdiction/remand discussion. Released April 8, 2025. Merits of regulatory authority expressly reserved. |\n| **S_CT-P1-S016** | *Commonwealth Servicing Group, LLC—Stipulation and Agreement* — DOB and parties. [https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8](https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8&utm_source=chatgpt.com) | **R, complete 4 pages.** p.2 recitals; p.3 ¶¶1–6; p.4 signatures, Commissioner December 17, 2025. Settlement without admissions/adjudication; required withdrawal is not proof that the docket withdrawal occurred. |\n| **S_CT-P1-S017** | *CDS Debt Relief LLC et al.—Temporary Order / Restitution / Disgorgement / Notice* — DOB. [https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469](https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469&utm_source=chatgpt.com) | **R relevant operative passages.** August 18, 2026; p.5 ¶16; p.6 ¶17; p.9 ¶32; p.12 ¶37; p.4 n.1. Initial findings subsequently adopted in S018. October 14 was a scheduled hearing date, not issuance. |\n| **S_CT-P1-S018** | *CDS Debt Relief LLC et al.—Final Order* — Banking Commissioner. [https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad](https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad&utm_source=chatgpt.com) | **R.** p.7 §II ¶1 adopts initial findings/conclusions; §III ¶1; p.8 ¶¶7–9 and mailing certification. Signed and mailed October 6, 2026; effective upon mailing. Final by default; later appeal/stay/vacatur status not independently established. |\n| **S_CT-P1-S019** | *Department of Banking Regulations* — DOB. [https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations?utm_source=chatgpt.com) | **R index only.** Consumer Credit Division listings. Compilation states revised June 11, 2014. Cannot prove the absence of a current fee regulation. |\n| **S_CT-P1-S020** | RCSA Title 36a browse page — Connecticut eRegulations. [https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/?utm_source=chatgpt.com) | **H operative regulations.** Returned navigation/JavaScript shell, not the current regulation bodies or complete adoption history. |\n| **S_CT-P1-S021** | Telemarketing Sales Rule, 16 C.F.R. Part 310 — FTC/OFR eCFR. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) and [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) | **R.** §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); §310.2(o), (ii). One regulatory-instrument ID for both sections. Displayed current through October 21, 2026; federal common context only, conditional on coverage. |\n| **S_CT-P1-S029** | *Debt Negotiation—Consumer Information* — DOB. [https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information](https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information?utm_source=chatgpt.com) | **R.** Contract/cancellation and excessive-fee review passages. Simplified attorney and timing summaries are not substitutes for statute/cases. |\n| **S_CT-P1-S030** | P.A.18-173, Substitute HB5490 — CGA. [https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf](https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com) | **R relevant enacted sections.** §§62–63, pp.145–147; §67, pp.160–167. Effective October 1, 2018 for these provisions. Historical statutory development, cross-checked against S001–S002. |\n\n### Access failures and currentness evidence\n\n| Unique source ID | Document / route and direct literal URL | Actual result and evidentiary consequence |\n| --- | --- | --- |\n| **S_CT-P1-S022** | NMLS Connecticut requirements entry. [https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT&utm_source=chatgpt.com) | **H.** Redirected to [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT); blank/unreadable body. Current detailed requirements not established. |\n| **S_CT-P1-S023** | Connecticut Debt Negotiation New Application Checklist — NMLS. [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf) | **H.** Migrated-page redirect; checklist body not read. |\n| **S_CT-P1-S024** | Connecticut For-Profit Debt Adjuster New Application Checklist — NMLS. [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf) | **H.** Sign-in/migration shell followed by blank destination; no checklist contents established. |\n| **S_CT-P1-S025** | Connecticut Nonprofit Debt Adjuster New Application Checklist — NMLS. [https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf) | **H.** PDF metadata appeared, but body/open routes redirected; metadata is not a substantive read. |\n| **S_CT-P1-S026** | NMLS Consumer Access. [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) | **H.** Retrieval returned error/404 routes. No live provider record verified. |\n| **S_CT-P1-S027** | Debt adjuster roster workbook — DOB. [https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12](https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12) | **H.** Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read. |\n| **S_CT-P1-S028** | Debt negotiator roster workbook — DOB. [https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec](https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec) | **H.** Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read. |\n| **S_CT-P1-S031** | P.A.25-111 full act — CGA. [https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF](https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF?utm_source=chatgpt.com) | **H full act.** 502/inaccessible routes, including alternate official-host attempt. §37’s operative change and effective-date history were read in S002; full-act reading is not claimed. |\n| **S_CT-P1-S032** | Public and Special Acts Reference Tables — LCO. [https://prdext3.cga.ct.gov/lco/statutes-actsref.asp](https://prdext3.cga.ct.gov/lco/statutes-actsref.asp?utm_source=chatgpt.com) | **R index / D underlying tables.** Latest year displayed: 2025. No linked 2026 amended-statutes table. |\n| **S_CT-P1-S033** | Public and Special Acts list — CGA. [https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp](https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp?utm_source=chatgpt.com) | **R list / D acts.** Root read displayed “All Acts as of 10/23/2026 3:38:41 am.” Titles and links do not prove that target sections were unchanged. |\n| **S_CT-P1-S034** | Public Acts to General Statutes Conversion Tables — LCO. [https://prdext3.cga.ct.gov/lco/statutes-conversion.asp](https://prdext3.cga.ct.gov/lco/statutes-conversion.asp?utm_source=chatgpt.com) | **R index.** Latest entries: January and November 2025 sessions. Conversion tables concern assigned statute numbers and do not replace an amended-statutes audit. |\n\n**Other material failed routes:** The ordinary official statute routes [https://www.cga.ct.gov/current/pub/chap_669.htm](https://www.cga.ct.gov/current/pub/chap_669.htm), [https://www.cga.ct.gov/2025/pub/chap_669.htm](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com), and [https://www.cga.ct.gov/2026/sup/chap_669.htm](https://www.cga.ct.gov/2026/sup/chap_669.htm) returned gateway errors; the official prdext3.cga.ct.gov versions in S001–S002 supplied the actual text. Those failures therefore did not prevent reading the codified provisions.\n\n## C. Claim register\n\n**Confidence notation:** **High/text** means the identified operative passage was read and directly supports the assertion, subject to C037’s currentness qualification. **Conditional** identifies a factual classification or limited inference. **Held** means the stated unresolved point is not represented as established.\n\n### Classification and permission\n\n| Unique claim ID | Precise assertion | Sources / exact pinpoints | Conditions, exceptions, and confidence limits |\n| --- | --- | --- | --- |\n| **S_CT-P1-C001** | Compensated receipt, as debtor’s agent, of money or evidences for distribution among creditors is debt adjustment; principal reduction is unnecessary. | S001 §36a-655(5); S030 §62; S006 DMP description | **High/text.** Actual receipt/agency/distribution matters; a DMP label alone does not decide coverage. |\n| **S_CT-P1-C002** | Compensated negotiation assistance or attempted negotiation of obligation terms is debt negotiation, including the specified mortgage-related conduct. | S002 §36a-671(a)(4); S030 §67 | **High/text.** No custody or successful-reduction prerequisite; expected compensation is sufficient. |\n| **S_CT-P1-C003** | Both examined debtor definitions concern individuals with personal, family, or household obligations. | S001 §655(6); S002 §671(a)(5) | **High/text.** Business/entity obligations fall outside these definitions, not necessarily outside other law; mixed-purpose facts remain untested. |\n| **S_CT-P1-C004** | Pure education is not shown covered without the operative activity elements; paid coaching/offers may satisfy negotiation coverage. | S001 §655(5); S002 §671(a)(4), (b) | **Conditional inference.** No blanket coaching, lead-generation, or software exclusion established. |\n| **S_CT-P1-C005** | Paid adverse-credit-record correction/advice may be credit-clinic conduct; charge/receipt requires full service performance. Noncompliant specified contracts are void with payments returned. | S001 §700(a), (d), (e) | **High/text.** Statutory exclusions include credit rating agencies, qualifying Connecticut legal practice, and §501(c)(3) organizations. Full credit-repair pass remains open. |\n| **S_CT-P1-C006** | Negotiation nexus expressly includes Connecticut offices, specified dealings with Connecticut residents from elsewhere, and Connecticut-secured property. | S002 §671(b)(1)–(3); S030 §67 | **High/text.** Remote contracting does not itself avoid Connecticut coverage. |\n| **S_CT-P1-C007** | Adjustment requires licensing for business “in this state”; resident funds are expressly addressed. | S001 §§656(a), 659 | **High/text / limited inference.** No claim that negotiation’s exact three nexus tests appear in adjustment law. |\n| **S_CT-P1-C008** | Nonexempt adjustment and negotiation are licensable through the Banking Commissioner; main/branch licensing and statutory qualification conditions apply. | S001 §656(a)–(c); S002 §671(b)–(d); S007–S010 | **High/text.** For-profit/nonprofit adjustment routes exist. Approval, required bond, and continuing conditions matter; application is insufficient. |\n| **S_CT-P1-C009** | Adjustment exclusions cover the four specified attorney, institutional, escrow, and law/court-authorized categories. | S001 §663(1)–(4) | **High/text.** Attorney activity is textually ancillary; institutions require authorization and regular-principal-business activity; escrow exception is activity-specific. |\n| **S_CT-P1-C010** | Negotiation exclusions cover qualifying attorneys, enumerated banks/credit unions, specified subsidiaries, licensed adjusters in adjustment activity, court-ordered actors, and bona fide §501(c)(3) nonprofits. | S001 §671c(1)–(7) | **High/text, with C013.** Exclusion expressly spans §§671–671d, including §671b; it is not merely a filing waiver or a blanket exclusion from every other law. |\n| **S_CT-P1-C011** | Nonprofit status is treated differently under adjustment and negotiation law. | S001 §§655(2), 656, 663, 671c(7); S009 | **High/text.** Nonprofit incorporation or branding alone does not prove the qualifying negotiation exclusion; custodial nonprofit DMP activity may require adjustment licensing. |\n| **S_CT-P1-C012** | A licensed adjuster’s negotiation exclusion applies while performing adjustment services. | S001 §671c(5) | **High/text.** It does not establish that unrelated noncustodial settlement services are exempt. |\n| **S_CT-P1-C013** | *Persels* protects bona fide Connecticut legal practice from the negotiation scheme, with a rebuttable presumption and meaningful-supervision/real-legal-service conditions. | S013 PDF pp.18–20; S001 §671c annotation | **High judicial holding.** Attorney façade can defeat protection. Fee ethics remain; schedule is relevant to disciplinary reasonableness, not automatically a direct cap on every exempt lawyer. |\n| **S_CT-P1-C014** | *Commonwealth* decided jurisdiction/exhaustion, not ultimate entitlement to the claimed attorney protection. | S015 PDF p.8 n.3; pp.19–22 | **High judicial holding.** Allegations accepted for jurisdiction were not merits findings. |\n| **S_CT-P1-C015** | The later Commonwealth agreement resolved allegations without admissions or merits adjudication and imposed party-specific future notice/documentation conditions. | S016 p.2 recitals; p.3 ¶¶1–6 | **High/document.** Binding agreement dated December 17, 2025; actual court withdrawal entry not retrieved; no industry-wide affiliate clearance. |\n| **S_CT-P1-C016** | A creditor’s own-account workout can differ from providing debtor-side adjustment/negotiation services; no general self-creditor carveout appears in the two exemption lists. | S001 §§655(5), 663, 671c; S002 §671(a)(4) | **Conditional inference.** Separately paid debtor-side services need separate analysis; collection legality not determined. |\n| **S_CT-P1-C017** | Automatic extension of *Persels* to §663’s separate adjustment exemption was not established. | S001 §663(1); S013 holding | **Held.** Requires directly relevant authority or analysis of actual adjustment/legal-practice facts. |\n| **S_CT-P1-C018** | The 2021 remote-office order conditionally permits individuals to work from qualifying U.S. residential/noncommercial locations on behalf of licensees. | S011 II.1–4, III | **High/order.** Requires supervision, location/person records, security, regulatory access, applicable individual licensure, no public meetings/holding out, and no activity records retained there. |\n| **S_CT-P1-C019** | Activities meeting both adjustment and money-transmission definitions may require both licenses; the memorandum contains a narrow processor policy. | S012 p.1 and n.1; p.2 conclusion | **High/agency interpretation.** Processor must be Connecticut-licensed as transmitter and act solely in support of duly licensed/exempt providers. Complete transmission-law analysis deferred. |\n\n### Fees, timing, cancellation, and verification\n\n| Unique claim ID | Precise assertion | Sources / exact pinpoints | Conditions, exceptions, and confidence limits |\n| --- | --- | --- | --- |\n| **S_CT-P1-C020** | Unsecured negotiation initial/setup fee is reasonable, one-time, and at most $50. | S004 “Initial Fee”; S005 same heading | **High/schedule.** Included in aggregate cap; not advance-fee permission. |\n| **S_CT-P1-C021** | Monthly negotiation service fee is at most $8 per listed creditor and $40 total per debtor per month. | S004 “Service Fees” | **High/schedule.** Creditor basis, not a verified per-account multiplier; performance/aggregate conditions remain. |\n| **S_CT-P1-C022** | Total unsecured negotiation fees, including initial/service charges, cannot exceed 10% of reduction in each achieved settlement; joint household obligations cannot increase the percentage. | S004 “Aggregate Fees”; S017 ¶17 | **High/schedule.** Reduction basis, not enrollment-balance basis. |\n| **S_CT-P1-C023** | Secured negotiation debtor/mortgagor fee is capped at $500 and collectible only after all contracted services successfully finish. | S004 secured-debt heading; S005 same heading | **High/schedule.** Mortgagee/assignee compensation not prohibited by this schedule; no broader-law clearance inferred. |\n| **S_CT-P1-C024** | The currently posted amounts match the September 2009 issuance; no applicable automatic indexing or replacement amount was verified. | S004; S005 issuance/date/fee headings; S018 | **High for published values; bounded search for absence.** No invented CPI increase; comprehensive regulation currentness remains open. |\n| **S_CT-P1-C025** | State negotiation law conditions receipt on full performance of the promised service, while allowing reasonable clearly contracted periodic payments as services are rendered. | S002 §671b(b) | **High/text.** Must also reconcile schedule; the statute’s operative verb is receipt, not a general authorization to request prepayment. |\n| **S_CT-P1-C026** | Pre-first-settlement flat-fee collection, non-principal savings valuation, shared-fee allocation, and separate success-fee entitlement were not conclusively resolved. | S002 §671b(b); S004 relevant headings | **Held interpretive questions.** Coverage of concessions is established; fee valuation/collection cannot be invented from that coverage. |\n| **S_CT-P1-C027** | Adjustment licensees must provide individualized preagreement counseling and budgeting without charge. | S001 §660(2); S006 protection item 2 | **High/text.** Required service fee is zero. |\n| **S_CT-P1-C028** | Adjustment law requires written fee disclosure and addresses remittance less prorated fees/costs; a complete current numerical DMP ceiling was not established. | S001 §660(1), (6); S019–S020 | **High for text; held for complete numeric limit.** Do not import negotiation caps or infer unlimited fees. |\n| **S_CT-P1-C029** | Adjustment provisions prohibit conditioned purchases and specified paid referral arrangements. | S001 §661(4)–(5) | **High/text.** Applies to the persons/control persons described in the section; relabeling fees does not create permission. |\n| **S_CT-P1-C030** | Undisclosed adjustment charges permit voiding and recovery of fees; required-but-missing licensure makes the agreement voidable; statutory voiding forecloses the licensee’s breach/restitution claim. | S001 §661a(a)–(c) | **High/text.** No general repayment deadline inferred. |\n| **S_CT-P1-C031** | Negotiation contract cancellation is available within three business days after signing, with the prescribed written-notice provision. | S002 §671b(a), history; S029 cancellation passage | **High/text.** Saturday counts; Sunday and nine listed holidays do not. Current definition effective July 1, 2025. |\n| **S_CT-P1-C032** | Noncompliant negotiation contracts are voidable; upon complaint the commissioner may reduce/order repayment of excessive fees considering comparable charges and consumer benefit. | S002 §671b(c); S001 §671a(c); S029 final protection passage | **High/text.** Applies subject to exemptions/judicial limitations; no universal cancellation refund formula established. |\n| **S_CT-P1-C033** | When TSR coverage exists, fee requests/receipts require the agreement, debt-alteration, customer-payment, and individual-debt allocation conditions. | S021 §310.4(a)(5)(i)(A)–(C); §310.2(o), (ii) | **High/federal text.** Proportional enrolled-debt allocation or uniform savings percentage; federal savings uses enrollment debt minus amount paid to satisfy it. Coverage itself is not presumed for every model. |\n| **S_CT-P1-C034** | The TSR account allowance requires insured custody, consumer ownership, independent administration, no referral compensation, and withdrawal without penalty with the prescribed return of funds within seven business days. | S021 §310.4(a)(5)(ii)(A)–(E) | **High/federal text.** Earned-fee exception is limited by (i); not a Connecticut cancellation deadline. |\n| **S_CT-P1-C035** | Current DOB instructions direct both license categories through NMLS/MU records and Connecticut-specific materials. | S007–S008 “How to Apply” | **High/procedure.** Detailed migrated checklists unavailable; mailing/upload specifics need current checklist confirmation. |\n| **S_CT-P1-C036** | Public lookup routes were identified, but no named provider’s current license was verified. | S009–S010; S022–S028 | **Held provider status.** Roster date, NMLS number, and application are not substitutes for reading the relevant active authorization. |\n| **S_CT-P1-C037** | The 2025 revision/2026 supplement and identified 2025 changes are verified; exhaustive 2026 amendment exclusion is incomplete. | S001–S003; S031–S034 | **Qualified currentness.** No target change found in scoped searches; full enacted-acts audit or official 2026 crosswalk still needed. |\n| **S_CT-P1-C038** | The October 6, 2026 CDS default final order adopted findings applying the aggregate cap against a 25%-of-verified-debt contractual fee. | S017 ¶¶16–17, 32; S018 §II ¶1, §III, mailing clause | **High for order contents/status on its face.** Administrative default, not contested appellate precedent; subsequent stay/appeal status held. |\n\n## D. Worked examples and component coverage\n\n### Worked examples\n\nAll monetary amounts below are **U.S. dollars**. Arithmetic is exact to cents; no fractional-cent rounding is needed.\n\nFor unsecured-fee examples, assume a nonexempt, appropriately licensed negotiator, an enforceable compliant agreement, genuinely performed services, no applicable lower contractual fee, and satisfaction of any independently applicable TSR conditions. Where a settlement is used, assume the stated balance is the relevant agreed balance, with no disputed interest accrual or valuation issue. These examples calculate ceilings; they do not establish a fee’s independent entitlement.\n\n**Example 1 — Monthly creditor count**\n\nInputs: three distinct listed creditors; $8 per creditor; $40 monthly ceiling.\nOperator: multiply, then take the lower limit.\nIntermediate: 3 × $8 = $24.\nResult: maximum category amount = min($24, $40) = **$24 for that month**.\n\nFor six listed creditors: 6 × $8 = $48; min($48, $40) = **$40**.\nThe aggregate and performance limits still apply. Two accounts with one creditor are not assumed to be two creditors. **[C021–C022, C025]**\n\n**Example 2 — Low reduction overrides the apparent setup allowance**\n\nInputs: one debt of $1,000; completed settlement for $800; proposed $50 setup plus $8 service fee.\nReduction base: $1,000 − $800 = $200.\nOperator: $200 × 10%.\nAggregate result: **$20**.\nProposed fees: $50 + $8 = $58.\nExcess: $58 − $20 = **$38**.\n\nThe provider cannot collect the entire $58 merely because each category separately fits its category ceiling. Actual recovery mechanics for an amount previously collected require the applicable voidability, repayment, and timing analysis. **[C020–C022, C030–C032]**\n\n**Example 3 — Previously charged fees consume aggregate capacity**\n\nInputs: one $10,000 debt settled and satisfied for $6,000; $100 already lawfully charged and attributable to this same settlement.\nReduction: $10,000 − $6,000 = $4,000.\nAggregate ceiling: $4,000 × 10% = $400.\nRemaining capacity: $400 − $100 = **$300**.\n\nThe $300 is remaining ceiling capacity. It is not a finding that a new $300 success fee is authorized or earned. **[C022, C026]**\n\n**Example 4 — Partial program completion**\n\nInputs: enrolled debts A = $10,000 and B = $5,000. Only A has settled and been satisfied, for $6,000. B remains unresolved.\nA reduction: $10,000 − $6,000 = $4,000.\nA aggregate ceiling: $4,000 × 10% = **$400**.\nAssumed properly attributable prior A fees: $100.\nA remaining capacity: $400 − $100 = **$300**.\n\nNo fee capacity is assigned to a hoped-for future reduction of B. Shared-fee allocation cannot be assumed from these inputs, and any applicable federal allocation rule must independently be satisfied. **[C022, C026, C033]**\n\n**Example 5 — No settlement/customer payment in a TSR-covered sale**\n\nInputs: a $50 proposed setup fee; no qualifying creditor agreement and no payment pursuant to one.\nTrigger test: federal conditions A and B are unsatisfied.\nResult: fee that may be requested or received at that stage under the cited federal rule = **$0**.\n\nA qualifying dedicated-account deposit does not itself become an earned provider fee. This example does not resolve the separate state-only periodic-payment ambiguity. **[C025–C026, C033–C034]**\n\n**Example 6 — Adjustment counseling versus an unverified DMP price**\n\nInputs: an adjustment licensee proposes $75 for the individualized counseling required before its agreement.\nLegal limit: required service must be free.\nResult: permitted charge for that required counseling = **$0**; proposed excess = **$75**.\n\nFor a proposed $35 monthly custodial DMP fee, this record does not establish a complete current numerical ceiling. Result: **hold the fee-clearance conclusion**, identify the actual adjustment activity and written fee terms, and obtain the missing current regulatory evidence. The negotiation schedule is not substituted. **[C027–C028]**\n\n**Example 7 — Secured negotiation ceiling**\n\nInputs: proposed debtor fee $650; all contracted services successfully completed; applicable state schedule.\nMaximum: $500.\nExcess: $650 − $500 = **$150**.\n\nBefore all contracted services successfully finish, the debtor fee collectible under this schedule is **$0**. This is a state-schedule calculation only; residential mortgage licensing and other secured-debt requirements remain to be cleared. **[C023]**\n\n**Example 8 — Cancellation date**\n\nInput: consumer signs Friday, October 23, 2026. None of the following days is a listed statutory holiday.\nSaturday, October 24 = business day 1.\nSunday, October 25 = excluded.\nMonday, October 26 = business day 2.\nTuesday, October 27 = business day 3.\nResult: the prescribed notice must be delivered or mailed **before midnight Tuesday, October 27**, using the statutory notice provision.\n\nThe excluded holidays are New Year’s Day, Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. This calculation establishes the cancellation window, not a universal refund deadline. **[C031–C032; S002 §671b(a)]**\n\n**Example 9 — Nonprofit classification changes with custody**\n\nInputs: an organization claiming §501(c)(3) status offers negotiation and alternatively a program receiving monthly consumer funds for creditors.\nFirst test: verify bona fide qualifying nonprofit status.\nSecond test: determine whether the organization actually receives funds as debtor’s agent for distribution.\n\nResult: qualifying noncustodial negotiation may fall within §671c(7); custodial adjustment is not excused by a general nonprofit exemption under §663. **No fee amount or provider authorization is invented.** **[C001–C003, C009–C012]**\n\n### Component coverage and exact next investigations\n\n| Scope item | Status | Claims | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| Adjustment versus negotiation; custody versus concessions | **Answered**, with fact-dependent boundaries | C001–C004 | For an actual model, examine who receives funds, in whose agency capacity, who negotiates, and expected compensation. |\n| Principal reduction versus interest/payment concessions | **Classification answered; fee valuation unresolved** | C002, C026 | Obtain authoritative application of “debt reduced” to interest-only relief, future interest, accrued charges, and differing balance dates. |\n| Consumer/business purpose | **Answered at definition level** | C003 | Examine mixed-purpose and guarantor facts; undertake separate commercial-law analysis if relevant. |\n| Counseling, coaching, referral, credit-clinic boundary | **Partial** | C004–C005, C029 | Review actual service/marketing/payment flow; complete credit-clinic/CROA/other applicable timing analysis in its later pass. |\n| Connecticut resident/remote nexus | **Answered for express negotiation test; partial for adjustment edge cases** | C006–C007 | Obtain directly relevant adjustment nexus authority for any disputed remote structure. |\n| Statutory licensing routes | **Answered** | C008 | Apply exact entity, control-person, office, bond, and continuing-qualification facts to a proposed applicant. |\n| Nonprofit/institutional exclusions | **Answered conditionally** | C009–C012 | Verify actual tax, charter, ownership, authorization, and activity facts before claiming an exclusion. |\n| Attorney and affiliate exclusions | **Partial** | C013–C017 | Obtain actual practice/supervision evidence; resolve separate §663 issue if custody exists; retrieve Commonwealth docket disposition if material. |\n| Remote-office and transmission overlap | **Answered as bounded operational rules** | C018–C019 | Complete current money-transmission statutory/exemption analysis and any applicable later-order check for the particular flow. |\n| Published unsecured numerical limits | **Answered under retrieved authority** | C020–C024 | Retain currentness qualification; no CPI calculation required or supported. |\n| Initial/monthly fees before first settlement | **Unresolved state interpretation** | C025–C026 | Locate a formal ruling or controlling decision reconciling periodic services with the achieved-settlement aggregate language. |\n| Additional success fee and allocation of prior fees | **Unresolved in identified respects** | C022, C026 | Obtain express authority for the proposed fee structure and allocation method; do not equate unused ceiling with entitlement. |\n| DMP/adjustment numerical fee ceiling | **Partial / held** | C027–C030 | Retrieve complete current RCSA Title 36a and relevant adoption/repeal orders through an accessible public route; check operative fee provisions. |\n| Secured negotiation fee | **State ceiling answered; broader access open** | C023 | Complete §671e/MLO, mortgage-assistance, foreclosure-rescue, and other secured-debt analysis before operational clearance. |\n| State performance, cancellation, fee recovery | **Answered within component; remedy details partial** | C025, C030–C032 | Resolve contract-specific earned/refundable amounts and any additional refund deadlines in the agreement/remedies pass. |\n| Federal TSR common baseline | **Answered conditionally** | C033–C034 | Determine actual sales-channel/entity coverage and any applicable exemptions separately; verify any later federal change if used operationally. |\n| Current application procedure | **Partial** | C035 | Recover public migrated jurisdiction checklists S022–S025, including current submission instructions. |\n| Named-provider market authorization | **Unresolved** | C036 | Read the matching legal entity’s current license type, status, locations, conditions, and relevant orders through accessible NMLS/DOB records. No contact or filing was made. |\n| Exhaustive October 2026 legislative currentness | **Partial** | C037 | Obtain the official 2026 amended-statutes table when posted, or review full enacted 2026 regular/special-session texts for target sections and newly created governing provisions. |\n| Current administrative cap application | **Answered with status limit** | C038 | Check subsequent judicial appeal, stay, modification, or vacatur if reliance on the CDS order’s continuing status becomes material. |\n| Full agreement/funds/bond/remedies work | **Excluded from completion claim; still required** | Limited intersections above | Read complete applicable provisions and instruments, calculate bond requirements, and address account, refund, contract, and enforcement mechanics. |\n| Collection, litigation, limitations, exempt assets, full secured/sector/local/tribal/contract/case-law coverage | **Excluded from this component; all remain open** | — | Separate required investigations; none is accepted by implication from this pass. |\n\n## E. Researcher self-check\n\nI read actual statutory passages, the complete operative fee schedule, the two-page remote-office order and dual-licensing memorandum, relevant judicial-opinion text, the Commonwealth settlement, and operative portions of the CDS initial and final orders. Agency application instructions were read beyond their titles and search snippets.\n\nThe court opinions were judicial texts reproduced on Justia; that hosting limitation is disclosed. The official *Persels* link was inaccessible. I did not treat the unread 2012 ruling, migrated checklists, spreadsheet metadata, license-page titles, or an NMLS identifier as substantive proof.\n\nThe current regulation bodies, named-provider records, complete 2026 enacted-law audit, and specified interpretive issues remain held. I did not treat the CDS default order as a contested appellate decision or the Commonwealth jurisdiction ruling as affiliate approval. Historical materials were used for reconciliation, not silently substituted for current law.\n\nParallel research tasks contributed to this pass. This is a **researcher self-check**, not an independent review. Ordinary public-web research was used; no Deep Research session or separate Chat conversation was opened. The chatgpt.com model selector was not independently observable, so I do not claim verified use of a separately selected “actual GPT6Pro” mode.\n\nNo provider authorization, whole-state completion, A066 acceptance, or publication-readiness determination is made.\n\nEND S_CT PASS-01\n\n","tables":[{"headers":["Actual conduct","Connecticut classification and consequence","Claims"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Actual conduct","Connecticut classification and consequence","Claims"],["Compensated receipt, as the debtor’s agent, of money or evidence of money for distribution among creditors","Debt adjustment. A conventional custodial DMP can qualify even if creditors receive full principal and no concession is negotiated.","C001"],["Compensated assistance negotiating, or attempting to negotiate, a debtor’s obligations","Debt negotiation. Custody of funds and a successful principal reduction are not prerequisites.","C002"],["Obtaining interest, payment-term, fee, or other concessions without handling debtor funds","Potential debt negotiation. The breadth of coverage does not resolve how every concession is valued under the savings-based fee ceiling.","C002, C026"],["General education or budgeting without the statutory negotiation assistance or fund-distribution activity","Not established as either regulated activity on those facts alone. “Coaching” that actually assists negotiation, or an offer made with expected later compensation, requires further classification.","C004"],["Paid correction of adverse credit-report information, or advice about accomplishing that correction","Potential “credit clinic” conduct under §36a-700, with its own performance-before-fee rule.","C005"],["Genuine business-purpose obligations or debts of an entity","Outside the particular consumer-debtor definitions examined here. This is not a clearance under commercial, collection, lending, or other law.","C003"],["A creditor adjusting its own receivable in its creditor capacity","Ordinarily different from acting as the debtor’s adjustment agent or paid negotiation representative; this is a functional inference, not an express general self-creditor exemption in the two exemption sections.","C016"]]},{"headers":["Structure","Verified rule","Consequential limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Structure","Verified rule","Consequential limitation"],["Unsecured negotiation setup","Reasonable one-time initial/setup fee, maximum $50","Counts toward the aggregate ceiling; its name does not authorize advance collection."],["Unsecured negotiation monthly service","Maximum $8 per creditor listed in the contract, maximum $40 per debtor per month","Creditor is the stated unit. Multiple accounts do not automatically create multiple creditor units."],["Unsecured negotiation aggregate","Maximum 10% of the debt reduction in each settlement, including initial and service fees, as the settlement is achieved and as agreed in the contract","Not 10% of enrolled debt. Joint household obligations do not permit a higher percentage."],["Separate settlement/success fee","No separate additional dollar allowance is stated in the schedule","Remaining space below the aggregate ceiling is not, by itself, proof that a separately structured success fee is earned or authorized."],["Secured negotiation","Debtor/mortgagor fee maximum $500","Collectible only after successful completion of all contracted services. The schedule does not prohibit mortgagee/assignee compensation. Other applicable secured-debt rules remain open."],["Adjustment/DMP preliminary counseling","Required individualized counseling and budgeting before agreement: $0","Applies to adjustment licensees under §36a-660(2)."],["Other adjustment/DMP fees","Written fee disclosure and prorated deductions are addressed by statute","A complete current numerical cap was not established. No “unlimited fee” conclusion is warranted."],["Credit clinic","No charge or receipt before the promised service is fully performed","This limited boundary finding is not full credit-repair compliance clearance."]]},{"headers":["Unique source ID","Title / issuer and direct literal URL","Exact pinpoint, version/status, and 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source ID","Title / issuer and direct literal URL","Exact pinpoint, version/status, and limitation"],["S_CT-P1-S001","Connecticut General Statutes, Chapter 669 — Connecticut General Assembly. https://prdext3.cga.ct.gov/2025/pub/chap_669.htm","R. §§36a-655–665; 671a, 671c, 671e–f; 700(a), (d)–(e). Official 2025 revision, used with S002. Different sections reuse this document ID. Post-January-2026 exhaustive amendment verification remains qualified."],["S_CT-P1-S002","2026 Supplement, Chapter 669 — CGA. https://prdext3.cga.ct.gov/2026/sup/chap_669.htm","R. §§36a-658, 664, 671, 671b, 671d; particularly 671(a)–(d), 671b(a)–(c). Revised January 1, 2026, reflecting 2025 legislation. §671b history identifies P.A.25-111 §37’s July 1, 2025 effect."],["S_CT-P1-S003","P.A.25-115, An Act Concerning Consumer Credit and Commercial Financing — CGA. https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF","R. §§3–4, 8–9, approximately pp.4–5, 7–9. Relevant bond-notice/legal-name provisions effective October 1, 2025. Does not supply a new consumer fee schedule."],["S_CT-P1-S004","Debt Negotiation Schedule of Maximum Fees — Connecticut DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees","R, entire operative schedule. “Initial Fee,” “Service Fees,” “Aggregate Fees,” and “Debt Negotiators of Secured Debt.” Currently posted schedule under §671b(b); issuance history corroborated by S005 and application by S017–S018."],["S_CT-P1-S005","Schedule of Fees Announced for Debt Negotiators — DOB, September 28, 2009. https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators","R. Issuance paragraph, October 1 statement, four fee headings. Historical announcement under P.A.09-208 §32(b); not used alone to establish currentness. Archived-query route failed; ordinary URL succeeded."],["S_CT-P1-S006","Debt Adjusters—Consumer Information — DOB. https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information","R. DMP description and “Consumer Protections,” items 1–6 and voidability paragraph. Operational explanation; its broad licensing summary is read subject to statutory exemptions."],["S_CT-P1-S007","Debt Adjuster Licensing Information — DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information","R. “Essential Statutes,” notices, “How to Apply.” Current posted NMLS/MU1/MU2/MU3 instructions; linked checklist contents held."],["S_CT-P1-S008","Debt Negotiation Licensing Information — DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information","R. Statutes, fee schedule, attorney-decision links, “How to Apply.” Current posted instructions; not proof of issuance to any applicant."],["S_CT-P1-S009","Debt Adjusters Licensed in Connecticut — DOB. https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut","R page / D roster. For-profit and nonprofit license categories; October 6, 2026 roster link. Underlying roster not read."],["S_CT-P1-S010","Debt Negotiators Licensed in Connecticut — DOB. https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut","R page / D roster. Definition, exceptions summary, October 6, 2026 roster link. Statute and cases control over abbreviated exception language."],["S_CT-P1-S011","Order Establishing Requirements for Conducting Business from a Remote Office Location — Banking Commissioner. https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b","R, complete 2-page order. II.1–4; III. Effective July 1, 2021 until modified, superseded, or vacated. Still linked by current licensing pages; no superseding instrument found. Earlier COVID no-action position expired June 30, 2021."],["S_CT-P1-S012","Debt Adjustment and Money Transmission memorandum — DOB Consumer Credit Division, January 6, 2016. https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708","R, complete 2 pages. p.1 dual-license statement and footnote 1; p.2 conclusion. Agency position effective March 1, 2016. Conditional processor policy, not a general statutory exemption."],["S_CT-P1-S013","Persels & Associates, LLC v. Banking Commissioner, 318 Conn.652 (2015), SC19359 — Connecticut Supreme Court opinion. https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625","R judicial text, reproduction host. PDF pp.16–20, especially pp.18–20 on holding, supervision, rebuttable presumption, and fees. Released September 15, 2015. Official linked route https://www.jud.ct.gov/external/supapp/Cases/AROcr/CR318/318CR112.pdf was blocked/inaccessible."],["S_CT-P1-S014","Debt-negotiation attorney declaratory ruling — DOB, 2012. https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f","H substantive text. Fourteen-page PDF identified but no extracted body text; not represented as fully read. Historical agency interpretation cannot override S013’s holding."],["S_CT-P1-S015","Commonwealth Servicing Group, LLC v. Department of Banking, 351 Conn.701 (2025), SC21011 — Connecticut Supreme Court opinion. https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911","R judicial text, reproduction host. PDF p.8 n.3; pp.19–22 jurisdiction/remand discussion. Released April 8, 2025. Merits of regulatory authority expressly reserved."],["S_CT-P1-S016","Commonwealth Servicing Group, LLC—Stipulation and Agreement — DOB and parties. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8","R, complete 4 pages. p.2 recitals; p.3 ¶¶1–6; p.4 signatures, Commissioner December 17, 2025. Settlement without admissions/adjudication; required withdrawal is not proof that the docket withdrawal occurred."],["S_CT-P1-S017","CDS Debt Relief LLC et al.—Temporary Order / Restitution / Disgorgement / Notice — DOB. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469","R relevant operative passages. August 18, 2026; p.5 ¶16; p.6 ¶17; p.9 ¶32; p.12 ¶37; p.4 n.1. Initial findings subsequently adopted in S018. October 14 was a scheduled hearing date, not issuance."],["S_CT-P1-S018","CDS Debt Relief LLC et al.—Final Order — Banking Commissioner. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad","R. p.7 §II ¶1 adopts initial findings/conclusions; §III ¶1; p.8 ¶¶7–9 and mailing certification. Signed and mailed October 6, 2026; effective upon mailing. Final by default; later appeal/stay/vacatur status not independently established."],["S_CT-P1-S019","Department of Banking Regulations — DOB. https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","R index only. Consumer Credit Division listings. Compilation states revised June 11, 2014. Cannot prove the absence of a current fee regulation."],["S_CT-P1-S020","RCSA Title 36a browse page — Connecticut eRegulations. https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","H operative regulations. Returned navigation/JavaScript shell, not the current regulation bodies or complete adoption history."],["S_CT-P1-S021","Telemarketing Sales Rule, 16 C.F.R. Part 310 — FTC/OFR eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 and https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","R. §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); §310.2(o), (ii). One regulatory-instrument ID for both sections. Displayed current through October 21, 2026; federal common context only, conditional on coverage."],["S_CT-P1-S029","Debt Negotiation—Consumer Information — DOB. https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information","R. Contract/cancellation and excessive-fee review passages. Simplified attorney and timing summaries are not substitutes for statute/cases."],["S_CT-P1-S030","P.A.18-173, Substitute HB5490 — CGA. https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf","R relevant enacted sections. §§62–63, pp.145–147; §67, pp.160–167. Effective October 1, 2018 for these provisions. Historical statutory development, cross-checked against S001–S002."]]},{"headers":["Unique source ID","Document / route and direct literal URL","Actual result and evidentiary consequence"],"index":3,"links":[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf"},{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12","text":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12"},{"href":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec","text":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec"},{"href":"https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF"},{"href":"https://prdext3.cga.ct.gov/lco/statutes-actsref.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/lco/statutes-actsref.asp"},{"href":"https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp"},{"href":"https://prdext3.cga.ct.gov/lco/statutes-conversion.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/lco/statutes-conversion.asp"}],"row_links":[[],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT&utm_source=chatgpt.com","text":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf","text":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"}],[{"href":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12","text":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12"}],[{"href":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec","text":"https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec"}],[{"href":"https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF"}],[{"href":"https://prdext3.cga.ct.gov/lco/statutes-actsref.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/lco/statutes-actsref.asp"}],[{"href":"https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp"}],[{"href":"https://prdext3.cga.ct.gov/lco/statutes-conversion.asp?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/lco/statutes-conversion.asp"}]],"rows":[["Unique source ID","Document / route and direct literal URL","Actual result and evidentiary consequence"],["S_CT-P1-S022","NMLS Connecticut requirements entry. https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT","H. Redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT; blank/unreadable body. Current detailed requirements not established."],["S_CT-P1-S023","Connecticut Debt Negotiation New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf","H. Migrated-page redirect; checklist body not read."],["S_CT-P1-S024","Connecticut For-Profit Debt Adjuster New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf","H. Sign-in/migration shell followed by blank destination; no checklist contents established."],["S_CT-P1-S025","Connecticut Nonprofit Debt Adjuster New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf","H. PDF metadata appeared, but body/open routes redirected; metadata is not a substantive read."],["S_CT-P1-S026","NMLS Consumer Access. https://www.nmlsconsumeraccess.org/","H. Retrieval returned error/404 routes. No live provider record verified."],["S_CT-P1-S027","Debt adjuster roster workbook — DOB. https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12","H. Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read."],["S_CT-P1-S028","Debt negotiator roster workbook — DOB. https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec","H. Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read."],["S_CT-P1-S031","P.A.25-111 full act — CGA. https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF","H full act. 502/inaccessible routes, including alternate official-host attempt. §37’s operative change and effective-date history were read in S002; full-act reading is not claimed."],["S_CT-P1-S032","Public and Special Acts Reference Tables — LCO. https://prdext3.cga.ct.gov/lco/statutes-actsref.asp","R index / D underlying tables. Latest year displayed: 2025. No linked 2026 amended-statutes table."],["S_CT-P1-S033","Public and Special Acts list — CGA. https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp","R list / D acts. Root read displayed “All Acts as of 10/23/2026 3:38:41 am.” Titles and links do not prove that target sections were unchanged."],["S_CT-P1-S034","Public Acts to General Statutes Conversion Tables — LCO. https://prdext3.cga.ct.gov/lco/statutes-conversion.asp","R index. Latest entries: January and November 2025 sessions. Conversion tables concern assigned statute numbers and do not replace an amended-statutes audit."]]},{"headers":["Unique claim ID","Precise assertion","Sources / exact pinpoints","Conditions, exceptions, and confidence limits"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Unique claim ID","Precise assertion","Sources / exact pinpoints","Conditions, exceptions, and confidence limits"],["S_CT-P1-C001","Compensated receipt, as debtor’s agent, of money or evidences for distribution among creditors is debt adjustment; principal reduction is unnecessary.","S001 §36a-655(5); S030 §62; S006 DMP description","High/text. Actual receipt/agency/distribution matters; a DMP label alone does not decide coverage."],["S_CT-P1-C002","Compensated negotiation assistance or attempted negotiation of obligation terms is debt negotiation, including the specified mortgage-related conduct.","S002 §36a-671(a)(4); S030 §67","High/text. No custody or successful-reduction prerequisite; expected compensation is sufficient."],["S_CT-P1-C003","Both examined debtor definitions concern individuals with personal, family, or household obligations.","S001 §655(6); S002 §671(a)(5)","High/text. Business/entity obligations fall outside these definitions, not necessarily outside other law; mixed-purpose facts remain untested."],["S_CT-P1-C004","Pure education is not shown covered without the operative activity elements; paid coaching/offers may satisfy negotiation coverage.","S001 §655(5); S002 §671(a)(4), (b)","Conditional inference. No blanket coaching, lead-generation, or software exclusion established."],["S_CT-P1-C005","Paid adverse-credit-record correction/advice may be credit-clinic conduct; charge/receipt requires full service performance. Noncompliant specified contracts are void with payments returned.","S001 §700(a), (d), (e)","High/text. Statutory exclusions include credit rating agencies, qualifying Connecticut legal practice, and §501(c)(3) organizations. Full credit-repair pass remains open."],["S_CT-P1-C006","Negotiation nexus expressly includes Connecticut offices, specified dealings with Connecticut residents from elsewhere, and Connecticut-secured property.","S002 §671(b)(1)–(3); S030 §67","High/text. Remote contracting does not itself avoid Connecticut coverage."],["S_CT-P1-C007","Adjustment requires licensing for business “in this state”; resident funds are expressly addressed.","S001 §§656(a), 659","High/text / limited inference. No claim that negotiation’s exact three nexus tests appear in adjustment law."],["S_CT-P1-C008","Nonexempt adjustment and negotiation are licensable through the Banking Commissioner; main/branch licensing and statutory qualification conditions apply.","S001 §656(a)–(c); S002 §671(b)–(d); S007–S010","High/text. For-profit/nonprofit adjustment routes exist. Approval, required bond, and continuing conditions matter; application is insufficient."],["S_CT-P1-C009","Adjustment exclusions cover the four specified attorney, institutional, escrow, and law/court-authorized categories.","S001 §663(1)–(4)","High/text. Attorney activity is textually ancillary; institutions require authorization and regular-principal-business activity; escrow exception is activity-specific."],["S_CT-P1-C010","Negotiation exclusions cover qualifying attorneys, enumerated banks/credit unions, specified subsidiaries, licensed adjusters in adjustment activity, court-ordered actors, and bona fide §501(c)(3) nonprofits.","S001 §671c(1)–(7)","High/text, with C013. Exclusion expressly spans §§671–671d, including §671b; it is not merely a filing waiver or a blanket exclusion from every other law."],["S_CT-P1-C011","Nonprofit status is treated differently under adjustment and negotiation law.","S001 §§655(2), 656, 663, 671c(7); S009","High/text. Nonprofit incorporation or branding alone does not prove the qualifying negotiation exclusion; custodial nonprofit DMP activity may require adjustment licensing."],["S_CT-P1-C012","A licensed adjuster’s negotiation exclusion applies while performing adjustment services.","S001 §671c(5)","High/text. It does not establish that unrelated noncustodial settlement services are exempt."],["S_CT-P1-C013","Persels protects bona fide Connecticut legal practice from the negotiation scheme, with a rebuttable presumption and meaningful-supervision/real-legal-service conditions.","S013 PDF pp.18–20; S001 §671c annotation","High judicial holding. Attorney façade can defeat protection. Fee ethics remain; schedule is relevant to disciplinary reasonableness, not automatically a direct cap on every exempt lawyer."],["S_CT-P1-C014","Commonwealth decided jurisdiction/exhaustion, not ultimate entitlement to the claimed attorney protection.","S015 PDF p.8 n.3; pp.19–22","High judicial holding. Allegations accepted for jurisdiction were not merits findings."],["S_CT-P1-C015","The later Commonwealth agreement resolved allegations without admissions or merits adjudication and imposed party-specific future notice/documentation conditions.","S016 p.2 recitals; p.3 ¶¶1–6","High/document. Binding agreement dated December 17, 2025; actual court withdrawal entry not retrieved; no industry-wide affiliate clearance."],["S_CT-P1-C016","A creditor’s own-account workout can differ from providing debtor-side adjustment/negotiation services; no general self-creditor carveout appears in the two exemption lists.","S001 §§655(5), 663, 671c; S002 §671(a)(4)","Conditional inference. Separately paid debtor-side services need separate analysis; collection legality not determined."],["S_CT-P1-C017","Automatic extension of Persels to §663’s separate adjustment exemption was not established.","S001 §663(1); S013 holding","Held. Requires directly relevant authority or analysis of actual adjustment/legal-practice facts."],["S_CT-P1-C018","The 2021 remote-office order conditionally permits individuals to work from qualifying U.S. residential/noncommercial locations on behalf of licensees.","S011 II.1–4, III","High/order. Requires supervision, location/person records, security, regulatory access, applicable individual licensure, no public meetings/holding out, and no activity records retained there."],["S_CT-P1-C019","Activities meeting both adjustment and money-transmission definitions may require both licenses; the memorandum contains a narrow processor policy.","S012 p.1 and n.1; p.2 conclusion","High/agency interpretation. Processor must be Connecticut-licensed as transmitter and act solely in support of duly licensed/exempt providers. Complete transmission-law analysis deferred."]]},{"headers":["Unique claim ID","Precise assertion","Sources / exact pinpoints","Conditions, exceptions, and confidence limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Unique claim ID","Precise assertion","Sources / exact pinpoints","Conditions, exceptions, and confidence limits"],["S_CT-P1-C020","Unsecured negotiation initial/setup fee is reasonable, one-time, and at most $50.","S004 “Initial Fee”; S005 same heading","High/schedule. Included in aggregate cap; not advance-fee permission."],["S_CT-P1-C021","Monthly negotiation service fee is at most $8 per listed creditor and $40 total per debtor per month.","S004 “Service Fees”","High/schedule. Creditor basis, not a verified per-account multiplier; performance/aggregate conditions remain."],["S_CT-P1-C022","Total unsecured negotiation fees, including initial/service charges, cannot exceed 10% of reduction in each achieved settlement; joint household obligations cannot increase the percentage.","S004 “Aggregate Fees”; S017 ¶17","High/schedule. Reduction basis, not enrollment-balance basis."],["S_CT-P1-C023","Secured negotiation debtor/mortgagor fee is capped at $500 and collectible only after all contracted services successfully finish.","S004 secured-debt heading; S005 same heading","High/schedule. Mortgagee/assignee compensation not prohibited by this schedule; no broader-law clearance inferred."],["S_CT-P1-C024","The currently posted amounts match the September 2009 issuance; no applicable automatic indexing or replacement amount was verified.","S004; S005 issuance/date/fee headings; S018","High for published values; bounded search for absence. No invented CPI increase; comprehensive regulation currentness remains open."],["S_CT-P1-C025","State negotiation law conditions receipt on full performance of the promised service, while allowing reasonable clearly contracted periodic payments as services are rendered.","S002 §671b(b)","High/text. Must also reconcile schedule; the statute’s operative verb is receipt, not a general authorization to request prepayment."],["S_CT-P1-C026","Pre-first-settlement flat-fee collection, non-principal savings valuation, shared-fee allocation, and separate success-fee entitlement were not conclusively resolved.","S002 §671b(b); S004 relevant headings","Held interpretive questions. Coverage of concessions is established; fee valuation/collection cannot be invented from that coverage."],["S_CT-P1-C027","Adjustment licensees must provide individualized preagreement counseling and budgeting without charge.","S001 §660(2); S006 protection item 2","High/text. Required service fee is zero."],["S_CT-P1-C028","Adjustment law requires written fee disclosure and addresses remittance less prorated fees/costs; a complete current numerical DMP ceiling was not established.","S001 §660(1), (6); S019–S020","High for text; held for complete numeric limit. Do not import negotiation caps or infer unlimited fees."],["S_CT-P1-C029","Adjustment provisions prohibit conditioned purchases and specified paid referral arrangements.","S001 §661(4)–(5)","High/text. Applies to the persons/control persons described in the section; relabeling fees does not create permission."],["S_CT-P1-C030","Undisclosed adjustment charges permit voiding and recovery of fees; required-but-missing licensure makes the agreement voidable; statutory voiding forecloses the licensee’s breach/restitution claim.","S001 §661a(a)–(c)","High/text. No general repayment deadline inferred."],["S_CT-P1-C031","Negotiation contract cancellation is available within three business days after signing, with the prescribed written-notice provision.","S002 §671b(a), history; S029 cancellation passage","High/text. Saturday counts; Sunday and nine listed holidays do not. Current definition effective July 1, 2025."],["S_CT-P1-C032","Noncompliant negotiation contracts are voidable; upon complaint the commissioner may reduce/order repayment of excessive fees considering comparable charges and consumer benefit.","S002 §671b(c); S001 §671a(c); S029 final protection passage","High/text. Applies subject to exemptions/judicial limitations; no universal cancellation refund formula established."],["S_CT-P1-C033","When TSR coverage exists, fee requests/receipts require the agreement, debt-alteration, customer-payment, and individual-debt allocation conditions.","S021 §310.4(a)(5)(i)(A)–(C); §310.2(o), (ii)","High/federal text. Proportional enrolled-debt allocation or uniform savings percentage; federal savings uses enrollment debt minus amount paid to satisfy it. Coverage itself is not presumed for every model."],["S_CT-P1-C034","The TSR account allowance requires insured custody, consumer ownership, independent administration, no referral compensation, and withdrawal without penalty with the prescribed return of funds within seven business days.","S021 §310.4(a)(5)(ii)(A)–(E)","High/federal text. Earned-fee exception is limited by (i); not a Connecticut cancellation deadline."],["S_CT-P1-C035","Current DOB instructions direct both license categories through NMLS/MU records and Connecticut-specific materials.","S007–S008 “How to Apply”","High/procedure. Detailed migrated checklists unavailable; mailing/upload specifics need current checklist confirmation."],["S_CT-P1-C036","Public lookup routes were identified, but no named provider’s current license was verified.","S009–S010; S022–S028","Held provider status. Roster date, NMLS number, and application are not substitutes for reading the relevant active authorization."],["S_CT-P1-C037","The 2025 revision/2026 supplement and identified 2025 changes are verified; exhaustive 2026 amendment exclusion is incomplete.","S001–S003; S031–S034","Qualified currentness. No target change found in scoped searches; full enacted-acts audit or official 2026 crosswalk still needed."],["S_CT-P1-C038","The October 6, 2026 CDS default final order adopted findings applying the aggregate cap against a 25%-of-verified-debt contractual fee.","S017 ¶¶16–17, 32; S018 §II ¶1, §III, mailing clause","High for order contents/status on its face. Administrative default, not contested appellate precedent; subsequent stay/appeal status held."]]},{"headers":["Scope item","Status","Claims","Exact missing evidence / next action"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scope item","Status","Claims","Exact missing evidence / next action"],["Adjustment versus negotiation; custody versus concessions","Answered, with fact-dependent boundaries","C001–C004","For an actual model, examine who receives funds, in whose agency capacity, who negotiates, and expected compensation."],["Principal reduction versus interest/payment concessions","Classification answered; fee valuation unresolved","C002, C026","Obtain authoritative application of “debt reduced” to interest-only relief, future interest, accrued charges, and differing balance dates."],["Consumer/business purpose","Answered at definition level","C003","Examine mixed-purpose and guarantor facts; undertake separate commercial-law analysis if relevant."],["Counseling, coaching, referral, credit-clinic boundary","Partial","C004–C005, C029","Review actual service/marketing/payment flow; complete credit-clinic/CROA/other applicable timing analysis in its later pass."],["Connecticut resident/remote nexus","Answered for express negotiation test; partial for adjustment edge cases","C006–C007","Obtain directly relevant adjustment nexus authority for any disputed remote structure."],["Statutory licensing routes","Answered","C008","Apply exact entity, control-person, office, bond, and continuing-qualification facts to a proposed applicant."],["Nonprofit/institutional exclusions","Answered conditionally","C009–C012","Verify actual tax, charter, ownership, authorization, and activity facts before claiming an exclusion."],["Attorney and affiliate exclusions","Partial","C013–C017","Obtain actual practice/supervision evidence; resolve separate §663 issue if custody exists; retrieve Commonwealth docket disposition if material."],["Remote-office and transmission overlap","Answered as bounded operational rules","C018–C019","Complete current money-transmission statutory/exemption analysis and any applicable later-order check for the particular flow."],["Published unsecured numerical limits","Answered under retrieved authority","C020–C024","Retain currentness qualification; no CPI calculation required or supported."],["Initial/monthly fees before first settlement","Unresolved state interpretation","C025–C026","Locate a formal ruling or controlling decision reconciling periodic services with the achieved-settlement aggregate language."],["Additional success fee and allocation of prior fees","Unresolved in identified respects","C022, C026","Obtain express authority for the proposed fee structure and allocation method; do not equate unused ceiling with entitlement."],["DMP/adjustment numerical fee ceiling","Partial / held","C027–C030","Retrieve complete current RCSA Title 36a and relevant adoption/repeal orders through an accessible public route; check operative fee provisions."],["Secured negotiation fee","State ceiling answered; broader access open","C023","Complete §671e/MLO, mortgage-assistance, foreclosure-rescue, and other secured-debt analysis before operational clearance."],["State performance, cancellation, fee recovery","Answered within component; remedy details partial","C025, C030–C032","Resolve contract-specific earned/refundable amounts and any additional refund deadlines in the agreement/remedies pass."],["Federal TSR common baseline","Answered conditionally","C033–C034","Determine actual sales-channel/entity coverage and any applicable exemptions separately; verify any later federal change if used operationally."],["Current application procedure","Partial","C035","Recover public migrated jurisdiction checklists S022–S025, including current submission instructions."],["Named-provider market authorization","Unresolved","C036","Read the matching legal entity’s current license type, status, locations, conditions, and relevant orders through accessible NMLS/DOB records. No contact or filing was made."],["Exhaustive October 2026 legislative currentness","Partial","C037","Obtain the official 2026 amended-statutes table when posted, or review full enacted 2026 regular/special-session texts for target sections and newly created governing provisions."],["Current administrative cap application","Answered with status limit","C038","Check subsequent judicial appeal, stay, modification, or vacatur if reliance on the CDS order’s continuing status becomes material."],["Full agreement/funds/bond/remedies work","Excluded from completion claim; still required","Limited intersections above","Read complete applicable provisions and instruments, calculate bond requirements, and address account, refund, contract, and enforcement mechanics."],["Collection, litigation, limitations, exempt assets, full secured/sector/local/tribal/contract/case-law coverage","Excluded from this component; all remain open","—","Separate required investigations; none is accepted by implication from this pass."]]}],"claims":[{"claim_id":"S_CT-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C001","Precise assertion":"Compensated receipt, as debtor’s agent, of money or evidences for distribution among creditors is debt adjustment; principal reduction is unnecessary.","Sources / exact pinpoints":"S001 §36a-655(5); S030 §62; S006 DMP description","Conditions, exceptions, and confidence limits":"High/text. Actual receipt/agency/distribution matters; a DMP label alone does not decide coverage."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C002","Precise assertion":"Compensated negotiation assistance or attempted negotiation of obligation terms is debt negotiation, including the specified mortgage-related conduct.","Sources / exact pinpoints":"S002 §36a-671(a)(4); S030 §67","Conditions, exceptions, and confidence limits":"High/text. No custody or successful-reduction prerequisite; expected compensation is sufficient."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C003","Precise assertion":"Both examined debtor definitions concern individuals with personal, family, or household obligations.","Sources / exact pinpoints":"S001 §655(6); S002 §671(a)(5)","Conditions, exceptions, and confidence limits":"High/text. Business/entity obligations fall outside these definitions, not necessarily outside other law; mixed-purpose facts remain untested."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C004","Precise assertion":"Pure education is not shown covered without the operative activity elements; paid coaching/offers may satisfy negotiation coverage.","Sources / exact pinpoints":"S001 §655(5); S002 §671(a)(4), (b)","Conditions, exceptions, and confidence limits":"Conditional inference. No blanket coaching, lead-generation, or software exclusion established."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C005","Precise assertion":"Paid adverse-credit-record correction/advice may be credit-clinic conduct; charge/receipt requires full service performance. Noncompliant specified contracts are void with payments returned.","Sources / exact pinpoints":"S001 §700(a), (d), (e)","Conditions, exceptions, and confidence limits":"High/text. Statutory exclusions include credit rating agencies, qualifying Connecticut legal practice, and §501(c)(3) organizations. Full credit-repair pass remains open."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C006","Precise assertion":"Negotiation nexus expressly includes Connecticut offices, specified dealings with Connecticut residents from elsewhere, and Connecticut-secured property.","Sources / exact pinpoints":"S002 §671(b)(1)–(3); S030 §67","Conditions, exceptions, and confidence limits":"High/text. Remote contracting does not itself avoid Connecticut coverage."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C007","Precise assertion":"Adjustment requires licensing for business “in this state”; resident funds are expressly addressed.","Sources / exact pinpoints":"S001 §§656(a), 659","Conditions, exceptions, and confidence limits":"High/text / limited inference. No claim that negotiation’s exact three nexus tests appear in adjustment law."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C008","Precise assertion":"Nonexempt adjustment and negotiation are licensable through the Banking Commissioner; main/branch licensing and statutory qualification conditions apply.","Sources / exact pinpoints":"S001 §656(a)–(c); S002 §671(b)–(d); S007–S010","Conditions, exceptions, and confidence limits":"High/text. For-profit/nonprofit adjustment routes exist. Approval, required bond, and continuing conditions matter; application is insufficient."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C009","Precise assertion":"Adjustment exclusions cover the four specified attorney, institutional, escrow, and law/court-authorized categories.","Sources / exact pinpoints":"S001 §663(1)–(4)","Conditions, exceptions, and confidence limits":"High/text. Attorney activity is textually ancillary; institutions require authorization and regular-principal-business activity; escrow exception is activity-specific."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C010","Precise assertion":"Negotiation exclusions cover qualifying attorneys, enumerated banks/credit unions, specified subsidiaries, licensed adjusters in adjustment activity, court-ordered actors, and bona fide §501(c)(3) nonprofits.","Sources / exact pinpoints":"S001 §671c(1)–(7)","Conditions, exceptions, and confidence limits":"High/text, with C013. Exclusion expressly spans §§671–671d, including §671b; it is not merely a filing waiver or a blanket exclusion from every other law."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C011","Precise assertion":"Nonprofit status is treated differently under adjustment and negotiation law.","Sources / exact pinpoints":"S001 §§655(2), 656, 663, 671c(7); S009","Conditions, exceptions, and confidence limits":"High/text. Nonprofit incorporation or branding alone does not prove the qualifying negotiation exclusion; custodial nonprofit DMP activity may require adjustment licensing."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C012","Precise assertion":"A licensed adjuster’s negotiation exclusion applies while performing adjustment services.","Sources / exact pinpoints":"S001 §671c(5)","Conditions, exceptions, and confidence limits":"High/text. It does not establish that unrelated noncustodial settlement services are exempt."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C013","Precise assertion":"Persels protects bona fide Connecticut legal practice from the negotiation scheme, with a rebuttable presumption and meaningful-supervision/real-legal-service conditions.","Sources / exact pinpoints":"S013 PDF pp.18–20; S001 §671c annotation","Conditions, exceptions, and confidence limits":"High judicial holding. Attorney façade can defeat protection. Fee ethics remain; schedule is relevant to disciplinary reasonableness, not automatically a direct cap on every exempt lawyer."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C014","Precise assertion":"Commonwealth decided jurisdiction/exhaustion, not ultimate entitlement to the claimed attorney protection.","Sources / exact pinpoints":"S015 PDF p.8 n.3; pp.19–22","Conditions, exceptions, and confidence limits":"High judicial holding. Allegations accepted for jurisdiction were not merits findings."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C015","Precise assertion":"The later Commonwealth agreement resolved allegations without admissions or merits adjudication and imposed party-specific future notice/documentation conditions.","Sources / exact pinpoints":"S016 p.2 recitals; p.3 ¶¶1–6","Conditions, exceptions, and confidence limits":"High/document. Binding agreement dated December 17, 2025; actual court withdrawal entry not retrieved; no industry-wide affiliate clearance."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C016","Precise assertion":"A creditor’s own-account workout can differ from providing debtor-side adjustment/negotiation services; no general self-creditor carveout appears in the two exemption lists.","Sources / exact pinpoints":"S001 §§655(5), 663, 671c; S002 §671(a)(4)","Conditions, exceptions, and confidence limits":"Conditional inference. Separately paid debtor-side services need separate analysis; collection legality not determined."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C017","Precise assertion":"Automatic extension of Persels to §663’s separate adjustment exemption was not established.","Sources / exact pinpoints":"S001 §663(1); S013 holding","Conditions, exceptions, and confidence limits":"Held. Requires directly relevant authority or analysis of actual adjustment/legal-practice facts."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C018","Precise assertion":"The 2021 remote-office order conditionally permits individuals to work from qualifying U.S. residential/noncommercial locations on behalf of licensees.","Sources / exact pinpoints":"S011 II.1–4, III","Conditions, exceptions, and confidence limits":"High/order. Requires supervision, location/person records, security, regulatory access, applicable individual licensure, no public meetings/holding out, and no activity records retained there."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C019","Precise assertion":"Activities meeting both adjustment and money-transmission definitions may require both licenses; the memorandum contains a narrow processor policy.","Sources / exact pinpoints":"S012 p.1 and n.1; p.2 conclusion","Conditions, exceptions, and confidence limits":"High/agency interpretation. Processor must be Connecticut-licensed as transmitter and act solely in support of duly licensed/exempt providers. Complete transmission-law analysis deferred."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C020","Precise assertion":"Unsecured negotiation initial/setup fee is reasonable, one-time, and at most $50.","Sources / exact pinpoints":"S004 “Initial Fee”; S005 same heading","Conditions, exceptions, and confidence limits":"High/schedule. Included in aggregate cap; not advance-fee permission."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C021","Precise assertion":"Monthly negotiation service fee is at most $8 per listed creditor and $40 total per debtor per month.","Sources / exact pinpoints":"S004 “Service Fees”","Conditions, exceptions, and confidence limits":"High/schedule. Creditor basis, not a verified per-account multiplier; performance/aggregate conditions remain."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C022","Precise assertion":"Total unsecured negotiation fees, including initial/service charges, cannot exceed 10% of reduction in each achieved settlement; joint household obligations cannot increase the percentage.","Sources / exact pinpoints":"S004 “Aggregate Fees”; S017 ¶17","Conditions, exceptions, and confidence limits":"High/schedule. Reduction basis, not enrollment-balance basis."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C023","Precise assertion":"Secured negotiation debtor/mortgagor fee is capped at $500 and collectible only after all contracted services successfully finish.","Sources / exact pinpoints":"S004 secured-debt heading; S005 same heading","Conditions, exceptions, and confidence limits":"High/schedule. Mortgagee/assignee compensation not prohibited by this schedule; no broader-law clearance inferred."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C024","Precise assertion":"The currently posted amounts match the September 2009 issuance; no applicable automatic indexing or replacement amount was verified.","Sources / exact pinpoints":"S004; S005 issuance/date/fee headings; S018","Conditions, exceptions, and confidence limits":"High for published values; bounded search for absence. No invented CPI increase; comprehensive regulation currentness remains open."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C025","Precise assertion":"State negotiation law conditions receipt on full performance of the promised service, while allowing reasonable clearly contracted periodic payments as services are rendered.","Sources / exact pinpoints":"S002 §671b(b)","Conditions, exceptions, and confidence limits":"High/text. Must also reconcile schedule; the statute’s operative verb is receipt, not a general authorization to request prepayment."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C026","Precise assertion":"Pre-first-settlement flat-fee collection, non-principal savings valuation, shared-fee allocation, and separate success-fee entitlement were not conclusively resolved.","Sources / exact pinpoints":"S002 §671b(b); S004 relevant headings","Conditions, exceptions, and confidence limits":"Held interpretive questions. Coverage of concessions is established; fee valuation/collection cannot be invented from that coverage."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C027","Precise assertion":"Adjustment licensees must provide individualized preagreement counseling and budgeting without charge.","Sources / exact pinpoints":"S001 §660(2); S006 protection item 2","Conditions, exceptions, and confidence limits":"High/text. Required service fee is zero."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C028","Precise assertion":"Adjustment law requires written fee disclosure and addresses remittance less prorated fees/costs; a complete current numerical DMP ceiling was not established.","Sources / exact pinpoints":"S001 §660(1), (6); S019–S020","Conditions, exceptions, and confidence limits":"High for text; held for complete numeric limit. Do not import negotiation caps or infer unlimited fees."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C029","Precise assertion":"Adjustment provisions prohibit conditioned purchases and specified paid referral arrangements.","Sources / exact pinpoints":"S001 §661(4)–(5)","Conditions, exceptions, and confidence limits":"High/text. Applies to the persons/control persons described in the section; relabeling fees does not create permission."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C030","Precise assertion":"Undisclosed adjustment charges permit voiding and recovery of fees; required-but-missing licensure makes the agreement voidable; statutory voiding forecloses the licensee’s breach/restitution claim.","Sources / exact pinpoints":"S001 §661a(a)–(c)","Conditions, exceptions, and confidence limits":"High/text. No general repayment deadline inferred."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C031","Precise assertion":"Negotiation contract cancellation is available within three business days after signing, with the prescribed written-notice provision.","Sources / exact pinpoints":"S002 §671b(a), history; S029 cancellation passage","Conditions, exceptions, and confidence limits":"High/text. Saturday counts; Sunday and nine listed holidays do not. Current definition effective July 1, 2025."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C032","Precise assertion":"Noncompliant negotiation contracts are voidable; upon complaint the commissioner may reduce/order repayment of excessive fees considering comparable charges and consumer benefit.","Sources / exact pinpoints":"S002 §671b(c); S001 §671a(c); S029 final protection passage","Conditions, exceptions, and confidence limits":"High/text. Applies subject to exemptions/judicial limitations; no universal cancellation refund formula established."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C033","Precise assertion":"When TSR coverage exists, fee requests/receipts require the agreement, debt-alteration, customer-payment, and individual-debt allocation conditions.","Sources / exact pinpoints":"S021 §310.4(a)(5)(i)(A)–(C); §310.2(o), (ii)","Conditions, exceptions, and confidence limits":"High/federal text. Proportional enrolled-debt allocation or uniform savings percentage; federal savings uses enrollment debt minus amount paid to satisfy it. Coverage itself is not presumed for every model."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C034","Precise assertion":"The TSR account allowance requires insured custody, consumer ownership, independent administration, no referral compensation, and withdrawal without penalty with the prescribed return of funds within seven business days.","Sources / exact pinpoints":"S021 §310.4(a)(5)(ii)(A)–(E)","Conditions, exceptions, and confidence limits":"High/federal text. Earned-fee exception is limited by (i); not a Connecticut cancellation deadline."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C035","Precise assertion":"Current DOB instructions direct both license categories through NMLS/MU records and Connecticut-specific materials.","Sources / exact pinpoints":"S007–S008 “How to Apply”","Conditions, exceptions, and confidence limits":"High/procedure. Detailed migrated checklists unavailable; mailing/upload specifics need current checklist confirmation."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C036","Precise assertion":"Public lookup routes were identified, but no named provider’s current license was verified.","Sources / exact pinpoints":"S009–S010; S022–S028","Conditions, exceptions, and confidence limits":"Held provider status. Roster date, NMLS number, and application are not substitutes for reading the relevant active authorization."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C037","Precise assertion":"The 2025 revision/2026 supplement and identified 2025 changes are verified; exhaustive 2026 amendment exclusion is incomplete.","Sources / exact pinpoints":"S001–S003; S031–S034","Conditions, exceptions, and confidence limits":"Qualified currentness. No target change found in scoped searches; full enacted-acts audit or official 2026 crosswalk still needed."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_CT-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Unique claim ID":"S_CT-P1-C038","Precise assertion":"The October 6, 2026 CDS default final order adopted findings applying the aggregate cap against a 25%-of-verified-debt contractual fee.","Sources / exact pinpoints":"S017 ¶¶16–17, 32; S018 §II ¶1, §III, mailing clause","Conditions, exceptions, and confidence limits":"High for order contents/status on its face. Administrative default, not contested appellate precedent; subsequent stay/appeal status held."},"coordinator_verification_status":"read_conditions_selected_source_checks_only_not_full_currentness_certification","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_CT-P1-S001","urls":["https://prdext3.cga.ct.gov/2025/pub/chap_669.htm","https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S001","Title / issuer and direct literal URL":"Connecticut General Statutes, Chapter 669 — Connecticut General Assembly. https://prdext3.cga.ct.gov/2025/pub/chap_669.htm","Exact pinpoint, version/status, and limitation":"R. §§36a-655–665; 671a, 671c, 671e–f; 700(a), (d)–(e). Official 2025 revision, used with S002. Different sections reuse this document ID. Post-January-2026 exhaustive amendment verification remains qualified."},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_CT-P1-S002","urls":["https://prdext3.cga.ct.gov/2026/sup/chap_669.htm","https://prdext3.cga.ct.gov/2026/sup/chap_669.htm?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S002","Title / issuer and direct literal URL":"2026 Supplement, Chapter 669 — CGA. https://prdext3.cga.ct.gov/2026/sup/chap_669.htm","Exact pinpoint, version/status, and limitation":"R. §§36a-658, 664, 671, 671b, 671d; particularly 671(a)–(d), 671b(a)–(c). Revised January 1, 2026, reflecting 2025 legislation. §671b history identifies P.A.25-111 §37’s July 1, 2025 effect."},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_CT-P1-S003","urls":["https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF","https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S003","Title / issuer and direct literal URL":"P.A.25-115, An Act Concerning Consumer Credit and Commercial Financing — CGA. https://prdext3.cga.ct.gov/2025/ACT/PA/PDF/2025PA-00115-R00SB-01257-PA.PDF","Exact pinpoint, version/status, and limitation":"R. §§3–4, 8–9, approximately pp.4–5, 7–9. Relevant bond-notice/legal-name provisions effective October 1, 2025. Does not supply a new consumer fee schedule."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S004","urls":["https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees","https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S004","Title / issuer and direct literal URL":"Debt Negotiation Schedule of Maximum Fees — Connecticut DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-schedule-of-maximum-fees","Exact pinpoint, version/status, and limitation":"R, entire operative schedule. “Initial Fee,” “Service Fees,” “Aggregate Fees,” and “Debt Negotiators of Secured Debt.” Currently posted schedule under §671b(b); issuance history corroborated by S005 and application by S017–S018."},"coordinator_verification_status":"selected_passages_or_attributed_reuse_only_see_check","coordinator_review":"[internal evidence reference]"},{"source_id":"S_CT-P1-S005","urls":["https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators","https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S005","Title / issuer and direct literal URL":"Schedule of Fees Announced for Debt Negotiators — DOB, September 28, 2009. https://portal.ct.gov/dob/newsroom/2009/schedule-of-fees-announced-for-debt-negotiators","Exact pinpoint, version/status, and limitation":"R. Issuance paragraph, October 1 statement, four fee headings. Historical announcement under P.A.09-208 §32(b); not used alone to establish currentness. Archived-query route failed; ordinary URL succeeded."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S006","urls":["https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information","https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S006","Title / issuer and direct literal URL":"Debt Adjusters—Consumer Information — DOB. https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information","Exact pinpoint, version/status, and limitation":"R. DMP description and “Consumer Protections,” items 1–6 and voidability paragraph. Operational explanation; its broad licensing summary is read subject to statutory exemptions."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S007","urls":["https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information","https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S007","Title / issuer and direct literal URL":"Debt Adjuster Licensing Information — DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-adjuster-licensing-information","Exact pinpoint, version/status, and limitation":"R. “Essential Statutes,” notices, “How to Apply.” Current posted NMLS/MU1/MU2/MU3 instructions; linked checklist contents held."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S008","urls":["https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information","https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S008","Title / issuer and direct literal URL":"Debt Negotiation Licensing Information — DOB. https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/debt-negotiation-licensing-information","Exact pinpoint, version/status, and limitation":"R. Statutes, fee schedule, attorney-decision links, “How to Apply.” Current posted instructions; not proof of issuance to any applicant."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S009","urls":["https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut","https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S009","Title / issuer and direct literal URL":"Debt Adjusters Licensed in Connecticut — DOB. https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-adjusters-licensed-in-connecticut","Exact pinpoint, version/status, and limitation":"R page / D roster. For-profit and nonprofit license categories; October 6, 2026 roster link. Underlying roster not read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S010","urls":["https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut","https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S010","Title / issuer and direct literal URL":"Debt Negotiators Licensed in Connecticut — DOB. https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/debt-negotiators-licensed-in-connecticut","Exact pinpoint, version/status, and limitation":"R page / D roster. Definition, exceptions summary, October 6, 2026 roster link. Statute and cases control over abbreviated exception language."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S011","urls":["https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b","https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S011","Title / issuer and direct literal URL":"Order Establishing Requirements for Conducting Business from a Remote Office Location — Banking Commissioner. https://portal.ct.gov/-/media/dob/consumer-credit-division/order-permitting-remote-office-locations-issued-7-1-21.pdf?hash=86D7CE113A105B71DF288E3FEE1C7151&rev=521c41104377458faadfad502273d48b","Exact pinpoint, version/status, and limitation":"R, complete 2-page order. II.1–4; III. Effective July 1, 2021 until modified, superseded, or vacated. Still linked by current licensing pages; no superseding instrument found. Earlier COVID no-action position expired June 30, 2021."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S012","urls":["https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708","https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S012","Title / issuer and direct literal URL":"Debt Adjustment and Money Transmission memorandum — DOB Consumer Credit Division, January 6, 2016. https://portal.ct.gov/-/media/dob/consumer-credit-division/debtadjustmentmoneytransmssionduallicensingpdf.pdf?hash=76B1A2B6BCC61C97F86B2A3ABF26500E&rev=442b4aeba2b34ff58a108b0fb2718708","Exact pinpoint, version/status, and limitation":"R, complete 2 pages. p.1 dual-license statement and footnote 1; p.2 conclusion. Agency position effective March 1, 2016. Conditional processor policy, not a general statutory exemption."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S013","urls":["https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625","https://www.jud.ct.gov/external/supapp/Cases/AROcr/CR318/318CR112.pdf","https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S013","Title / issuer and direct literal URL":"Persels & Associates, LLC v. Banking Commissioner, 318 Conn.652 (2015), SC19359 — Connecticut Supreme Court opinion. https://cases.justia.com/connecticut/supreme-court/2015-sc19359.pdf?ts=1441803625","Exact pinpoint, version/status, and limitation":"R judicial text, reproduction host. PDF pp.16–20, especially pp.18–20 on holding, supervision, rebuttable presumption, and fees. Released September 15, 2015. Official linked route https://www.jud.ct.gov/external/supapp/Cases/AROcr/CR318/318CR112.pdf was blocked/inaccessible."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S014","urls":["https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f","https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S014","Title / issuer and direct literal URL":"Debt-negotiation attorney declaratory ruling — DOB, 2012. https://portal.ct.gov/-/media/dob/legal-resources/debtnegotiationdeclaratoryrulingpdf.pdf?hash=27607940A117432F81AC39C79ECF5191&rev=18a98c7b88454dc0a3327aa0a6b1a08f","Exact pinpoint, version/status, and limitation":"H substantive text. Fourteen-page PDF identified but no extracted body text; not represented as fully read. Historical agency interpretation cannot override S013’s holding."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S015","urls":["https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911","https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S015","Title / issuer and direct literal URL":"Commonwealth Servicing Group, LLC v. Department of Banking, 351 Conn.701 (2025), SC21011 — Connecticut Supreme Court opinion. https://cases.justia.com/connecticut/supreme-court/2025-sc21011.pdf?ts=1744201911","Exact pinpoint, version/status, and limitation":"R judicial text, reproduction host. PDF p.8 n.3; pp.19–22 jurisdiction/remand discussion. Released April 8, 2025. Merits of regulatory authority expressly reserved."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S016","urls":["https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8","https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S016","Title / issuer and direct literal URL":"Commonwealth Servicing Group, LLC—Stipulation and Agreement — DOB and parties. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2025-cc-orders/commonwealth-servicing-group-llc--stipulation-and-agreement.pdf?hash=69C735494B75E6310F3A14B0BC5AF944&rev=410723b8cecb4db595a72dba0f17c3b8","Exact pinpoint, version/status, and limitation":"R, complete 4 pages. p.2 recitals; p.3 ¶¶1–6; p.4 signatures, Commissioner December 17, 2025. Settlement without admissions/adjudication; required withdrawal is not proof that the docket withdrawal occurred."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S017","urls":["https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469","https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S017","Title / issuer and direct literal URL":"CDS Debt Relief LLC et al.—Temporary Order / Restitution / Disgorgement / Notice — DOB. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-debt-relief-llc-et-al--temp-cd-rest-disg-noi-cdcp.pdf?hash=F7028BE31F63CDFCE651A83FCFD2F650&rev=6ef1b983644548469cac436f38599469","Exact pinpoint, version/status, and limitation":"R relevant operative passages. August 18, 2026; p.5 ¶16; p.6 ¶17; p.9 ¶32; p.12 ¶37; p.4 n.1. Initial findings subsequently adopted in S018. October 14 was a scheduled hearing date, not issuance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S018","urls":["https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad","https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S018","Title / issuer and direct literal URL":"CDS Debt Relief LLC et al.—Final Order — Banking Commissioner. https://portal.ct.gov/-/media/dob/enforcement/consumer-credit/2026-cc-orders/cds-final-order_redacted.pdf?hash=9DEEE537721892697D097F227B0B1A68&rev=2386885f159b4a85a24a562717ffa3ad","Exact pinpoint, version/status, and limitation":"R. p.7 §II ¶1 adopts initial findings/conclusions; §III ¶1; p.8 ¶¶7–9 and mailing certification. Signed and mailed October 6, 2026; effective upon mailing. Final by default; later appeal/stay/vacatur status not independently established."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S019","urls":["https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S019","Title / issuer and direct literal URL":"Department of Banking Regulations — DOB. https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","Exact pinpoint, version/status, and limitation":"R index only. Consumer Credit Division listings. Compilation states revised June 11, 2014. Cannot prove the absence of a current fee regulation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S020","urls":["https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S020","Title / issuer and direct literal URL":"RCSA Title 36a browse page — Connecticut eRegulations. https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","Exact pinpoint, version/status, and limitation":"H operative regulations. Returned navigation/JavaScript shell, not the current regulation bodies or complete adoption history."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S021","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S021","Title / issuer and direct literal URL":"Telemarketing Sales Rule, 16 C.F.R. Part 310 — FTC/OFR eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 and https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Exact pinpoint, version/status, and limitation":"R. §310.4(a)(5)(i)(A)–(C), (ii)(A)–(E); §310.2(o), (ii). One regulatory-instrument ID for both sections. Displayed current through October 21, 2026; federal common context only, conditional on coverage."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S029","urls":["https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information","https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S029","Title / issuer and direct literal URL":"Debt Negotiation—Consumer Information — DOB. https://portal.ct.gov/dob/consumer/consumer-education/debt-negotiation---consumer-information","Exact pinpoint, version/status, and limitation":"R. Contract/cancellation and excessive-fee review passages. Simplified attorney and timing summaries are not substitutes for statute/cases."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S030","urls":["https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf","https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S030","Title / issuer and direct literal URL":"P.A.18-173, Substitute HB5490 — CGA. https://prdext3.cga.ct.gov/2018/ACT/pa/pdf/2018PA-00173-R00HB-05490-PA.pdf","Exact pinpoint, version/status, and limitation":"R relevant enacted sections. §§62–63, pp.145–147; §67, pp.160–167. Effective October 1, 2018 for these provisions. Historical statutory development, cross-checked against S001–S002."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S022","urls":["https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT","https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT&utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S022","Document / route and direct literal URL":"NMLS Connecticut requirements entry. https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CT","Actual result and evidentiary consequence":"H. Redirected to https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=CT; blank/unreadable body. Current detailed requirements not established."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S023","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf"],"researcher_record":{"Unique source ID":"S_CT-P1-S023","Document / route and direct literal URL":"Connecticut Debt Negotiation New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Negotiation_License-New-App-Checklist.pdf","Actual result and evidentiary consequence":"H. Migrated-page redirect; checklist body not read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S024","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf"],"researcher_record":{"Unique source ID":"S_CT-P1-S024","Document / route and direct literal URL":"Connecticut For-Profit Debt Adjuster New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_For-Profit_License-New-App-Checklist.pdf","Actual result and evidentiary consequence":"H. Sign-in/migration shell followed by blank destination; no checklist contents established."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S025","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf"],"researcher_record":{"Unique source ID":"S_CT-P1-S025","Document / route and direct literal URL":"Connecticut Nonprofit Debt Adjuster New Application Checklist — NMLS. https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/CT_Debt_Adjuster_Non-Profit_License-New-App-Checklist.pdf","Actual result and evidentiary consequence":"H. PDF metadata appeared, but body/open routes redirected; metadata is not a substantive read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S026","urls":["https://www.nmlsconsumeraccess.org/"],"researcher_record":{"Unique source ID":"S_CT-P1-S026","Document / route and direct literal URL":"NMLS Consumer Access. https://www.nmlsconsumeraccess.org/","Actual result and evidentiary consequence":"H. Retrieval returned error/404 routes. No live provider record verified."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S027","urls":["https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12"],"researcher_record":{"Unique source ID":"S_CT-P1-S027","Document / route and direct literal URL":"Debt adjuster roster workbook — DOB. https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_adjusters.xlsx?hash=9334A6DEFC4F5FEAF2F14E16E01AED13&rev=a2334900d665428aaf599caad5cefb12","Actual result and evidentiary consequence":"H. Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S028","urls":["https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec"],"researcher_record":{"Unique source ID":"S_CT-P1-S028","Document / route and direct literal URL":"Debt negotiator roster workbook — DOB. https://portal.ct.gov/-/media/dob/consumer-credit-licenses/debt_negotiators.xlsx?hash=A935EF1CBCB7B1F44DF61A50EE2474AE&rev=0c9aa2731cca4b709d0db1a872be62ec","Actual result and evidentiary consequence":"H. Linked October 6, 2026 roster; unsupported spreadsheet response. No entries read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S031","urls":["https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF","https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S031","Document / route and direct literal URL":"P.A.25-111 full act — CGA. https://www.cga.ct.gov/2025/act/Pa/pdf/2025PA-00111-R00SB-01357-PA.PDF","Actual result and evidentiary consequence":"H full act. 502/inaccessible routes, including alternate official-host attempt. §37’s operative change and effective-date history were read in S002; full-act reading is not claimed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S032","urls":["https://prdext3.cga.ct.gov/lco/statutes-actsref.asp","https://prdext3.cga.ct.gov/lco/statutes-actsref.asp?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S032","Document / route and direct literal URL":"Public and Special Acts Reference Tables — LCO. https://prdext3.cga.ct.gov/lco/statutes-actsref.asp","Actual result and evidentiary consequence":"R index / D underlying tables. Latest year displayed: 2025. No linked 2026 amended-statutes table."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S033","urls":["https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp","https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S033","Document / route and direct literal URL":"Public and Special Acts list — CGA. https://prdext3.cga.ct.gov/asp/CGATodayFileCopies/CGAAllPA.asp","Actual result and evidentiary consequence":"R list / D acts. Root read displayed “All Acts as of 10/23/2026 3:38:41 am.” Titles and links do not prove that target sections were unchanged."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P1-S034","urls":["https://prdext3.cga.ct.gov/lco/statutes-conversion.asp","https://prdext3.cga.ct.gov/lco/statutes-conversion.asp?utm_source=chatgpt.com"],"researcher_record":{"Unique source ID":"S_CT-P1-S034","Document / route and direct literal URL":"Public Acts to General Statutes Conversion Tables — LCO. https://prdext3.cga.ct.gov/lco/statutes-conversion.asp","Actual result and evidentiary consequence":"R index. Latest entries: January and November 2025 sessions. Conversion tables concern assigned statute numbers and do not replace an amended-statutes audit."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Adjustment versus negotiation; custody versus concessions","researcher_record":{"Scope item":"Adjustment versus negotiation; custody versus concessions","Status":"Answered, with fact-dependent boundaries","Claims":"C001–C004","Exact missing evidence / next action":"For an actual model, examine who receives funds, in whose agency capacity, who negotiates, and expected compensation."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Principal reduction versus interest/payment concessions","researcher_record":{"Scope item":"Principal reduction versus interest/payment concessions","Status":"Classification answered; fee valuation unresolved","Claims":"C002, C026","Exact missing evidence / next action":"Obtain authoritative application of “debt reduced” to interest-only relief, future interest, accrued charges, and differing balance dates."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer/business purpose","researcher_record":{"Scope item":"Consumer/business purpose","Status":"Answered at definition level","Claims":"C003","Exact missing evidence / next action":"Examine mixed-purpose and guarantor facts; undertake separate commercial-law analysis if relevant."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Counseling, coaching, referral, credit-clinic boundary","researcher_record":{"Scope item":"Counseling, coaching, referral, credit-clinic boundary","Status":"Partial","Claims":"C004–C005, C029","Exact missing evidence / next action":"Review actual service/marketing/payment flow; complete credit-clinic/CROA/other applicable timing analysis in its later pass."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Connecticut resident/remote nexus","researcher_record":{"Scope item":"Connecticut resident/remote nexus","Status":"Answered for express negotiation test; partial for adjustment edge cases","Claims":"C006–C007","Exact missing evidence / next action":"Obtain directly relevant adjustment nexus authority for any disputed remote structure."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Statutory licensing routes","researcher_record":{"Scope item":"Statutory licensing routes","Status":"Answered","Claims":"C008","Exact missing evidence / next action":"Apply exact entity, control-person, office, bond, and continuing-qualification facts to a proposed applicant."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Nonprofit/institutional exclusions","researcher_record":{"Scope item":"Nonprofit/institutional exclusions","Status":"Answered conditionally","Claims":"C009–C012","Exact missing evidence / next action":"Verify actual tax, charter, ownership, authorization, and activity facts before claiming an exclusion."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney and affiliate exclusions","researcher_record":{"Scope item":"Attorney and affiliate exclusions","Status":"Partial","Claims":"C013–C017","Exact missing evidence / next action":"Obtain actual practice/supervision evidence; resolve separate §663 issue if custody exists; retrieve Commonwealth docket disposition if material."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Remote-office and transmission overlap","researcher_record":{"Scope item":"Remote-office and transmission overlap","Status":"Answered as bounded operational rules","Claims":"C018–C019","Exact missing evidence / next action":"Complete current money-transmission statutory/exemption analysis and any applicable later-order check for the particular flow."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Published unsecured numerical limits","researcher_record":{"Scope item":"Published unsecured numerical limits","Status":"Answered under retrieved authority","Claims":"C020–C024","Exact missing evidence / next action":"Retain currentness qualification; no CPI calculation required or supported."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Initial/monthly fees before first settlement","researcher_record":{"Scope item":"Initial/monthly fees before first settlement","Status":"Unresolved state interpretation","Claims":"C025–C026","Exact missing evidence / next action":"Locate a formal ruling or controlling decision reconciling periodic services with the achieved-settlement aggregate language."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Additional success fee and allocation of prior fees","researcher_record":{"Scope item":"Additional success fee and allocation of prior fees","Status":"Unresolved in identified respects","Claims":"C022, C026","Exact missing evidence / next action":"Obtain express authority for the proposed fee structure and allocation method; do not equate unused ceiling with entitlement."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"DMP/adjustment numerical fee ceiling","researcher_record":{"Scope item":"DMP/adjustment numerical fee ceiling","Status":"Partial / held","Claims":"C027–C030","Exact missing evidence / next action":"Retrieve complete current RCSA Title 36a and relevant adoption/repeal orders through an accessible public route; check operative fee provisions."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Secured negotiation fee","researcher_record":{"Scope item":"Secured negotiation fee","Status":"State ceiling answered; broader access open","Claims":"C023","Exact missing evidence / next action":"Complete §671e/MLO, mortgage-assistance, foreclosure-rescue, and other secured-debt analysis before operational clearance."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"State performance, cancellation, fee recovery","researcher_record":{"Scope item":"State performance, cancellation, fee recovery","Status":"Answered within component; remedy details partial","Claims":"C025, C030–C032","Exact missing evidence / next action":"Resolve contract-specific earned/refundable amounts and any additional refund deadlines in the agreement/remedies pass."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Federal TSR common baseline","researcher_record":{"Scope item":"Federal TSR common baseline","Status":"Answered conditionally","Claims":"C033–C034","Exact missing evidence / next action":"Determine actual sales-channel/entity coverage and any applicable exemptions separately; verify any later federal change if used operationally."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current application procedure","researcher_record":{"Scope item":"Current application procedure","Status":"Partial","Claims":"C035","Exact missing evidence / next action":"Recover public migrated jurisdiction checklists S022–S025, including current submission instructions."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider market authorization","researcher_record":{"Scope item":"Named-provider market authorization","Status":"Unresolved","Claims":"C036","Exact missing evidence / next action":"Read the matching legal entity’s current license type, status, locations, conditions, and relevant orders through accessible NMLS/DOB records. No contact or filing was made."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Exhaustive October 2026 legislative currentness","researcher_record":{"Scope item":"Exhaustive October 2026 legislative currentness","Status":"Partial","Claims":"C037","Exact missing evidence / next action":"Obtain the official 2026 amended-statutes table when posted, or review full enacted 2026 regular/special-session texts for target sections and newly created governing provisions."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current administrative cap application","researcher_record":{"Scope item":"Current administrative cap application","Status":"Answered with status limit","Claims":"C038","Exact missing evidence / next action":"Check subsequent judicial appeal, stay, modification, or vacatur if reliance on the CDS order’s continuing status becomes material."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Full agreement/funds/bond/remedies work","researcher_record":{"Scope item":"Full agreement/funds/bond/remedies work","Status":"Excluded from completion claim; still required","Claims":"Limited intersections above","Exact missing evidence / next action":"Read complete applicable provisions and instruments, calculate bond requirements, and address account, refund, contract, and enforcement mechanics."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Collection, litigation, limitations, exempt assets, full secured/sector/local/tribal/contract/case-law coverage","researcher_record":{"Scope item":"Collection, litigation, limitations, exempt assets, full secured/sector/local/tribal/contract/case-law coverage","Status":"Excluded from this component; all remain open","Claims":"—","Exact missing evidence / next action":"Separate required investigations; none is accepted by implication from this pass."},"coordinator_acceptance":"reviewed_scope_row_material_gaps_remain_no_state_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}