{"meta":{"key":"s_ct--pass-02","task":"S_CT","title":"SCT Connecticut DMP adjustment-fee regulation investigation","parent_title":"Connecticut debt and debt relief law","edition":"pass-02","path":"/research/s_ct--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":10,"sources":12,"review_status":"revise","review_complete":true,"sha256":"c3acbb30e26fb038875fd22d5cc37e55270a17c4322da2ec118195e744a5d8d1","headings":["Bottom-line finding","1. Current statutory fee rules for Connecticut debt adjustment","Current numerical result established in this pass","2. Current official regulation sources","Department of Banking compilation","Secretary of the State eRegulations","3. Adoption and amendment history actually established","1967 — statutory regulation authority originates","1979 — nonprofit-only restructuring","2002 — licensing changes, not a verified consumer-fee ceiling","2009 — for-profit debt adjustment restored; written fee agreement/free counseling added","2014 onward","Final disposition for the coordinator"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_CT/pass-02","facets":{"geography":["us","us-ct"],"debt_type":[],"stage":[],"subject":["counseling-dmp","fees-outcomes"]},"scope":"Only retrieve complete current public official Connecticut adjustment-fee regulations and operative adoption/repeal history to determine the DMP numerical ceiling. Existing failed eRegulations routes are documented inPASS01; use materially new readable public route; no API/access workaround, no substitution of negotiation10percent schedule. State-only periodic-payment interpretation is a separate later scope.","pending_corrections":0},"markdown":"# S_CT PASS-02 — Connecticut DMP adjustment-fee regulation investigation\n\n**Focused scope only:** current Connecticut debt-adjustment/DMP consumer-fee regulations and the operative adoption/repeal history needed to determine whether Connecticut currently imposes a numerical DMP fee ceiling.\n\n**Research/access date:** October 24, 2026, Pacific.\n\n## Bottom-line finding\n\nI **did not establish a current Connecticut numerical DMP/debt-adjustment fee ceiling** from the public official sources retrieved in this pass.\n\nWhat is affirmatively established is narrower:\n\n1. **Pre-agreement individualized credit counseling and budgeting assistance must be provided for $0.** That remains an express statutory rule. **[S_CT-P2-C001]** [Connecticut General Assembly+1](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n2. A debt-adjuster agreement must disclose the services and fees, and the licensee may remit debtor funds to creditors less prorated fees and costs. **[S_CT-P2-C002]** [Connecticut General Assembly](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n3. The Banking Commissioner has statutory authority to adopt debt-adjustment regulations under §36a-662, but the current statute itself supplies **no numerical consumer-fee ceiling** other than the zero-dollar counseling requirement. **[S_CT-P2-C003]** [Connecticut General Assembly+1](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n4. The Department of Banking’s own currently posted regulation-compilation page identifies its **June 11, 2014 compilation** and enumerates the included consumer-credit regulations. That list includes real-estate-broker fees, small-loan rules, creditor collection practices, and consumer-collection-agency rules, but **does not identify a debt-adjuster fee regulation or debt-adjuster-specific regulation series.** The Department expressly cautions that its compilation is not a substitute for the Secretary of the State’s official RCSA. **[S_CT-P2-C004]** [CT.gov+1](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations)\n5. I reached the Secretary of the State’s official eRegulations search/browse interface through a materially different route from PASS-01, and an actual Title 36a RCSA section was retrievable. However, targeted public searches for a debt-adjustment/debt-adjuster fee regulation, §36a-662 implementation, and associated regulation-making records did **not surface an operative debt-adjuster fee rule or a repeal/adoption record.** That means the historical administrative-rule chain is still not complete enough to assert either “no rule was ever adopted” or “a former rule was repealed on date X.” **[S_CT-P2-C005]** [eRegulations+2](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/)\n6. The 2009 legislation that reopened debt adjustment to for-profit providers amended §36a-660 to require written fee disclosure and free preagreement counseling. The enacted text retrieved for §25 does **not show creation of a numerical DMP fee ceiling.** **[S_CT-P2-C006]** [Connecticut General Assembly+1](https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com)\n7. Accordingly, **PASS-01’s hold on a numerical DMP ceiling remains appropriate.** It should not be replaced by the debt-negotiation 10% schedule, by an assumed “reasonable fee” rule, or by an invented setup/monthly cap. **[S_CT-P2-C007]**\n\nThe result is therefore a **narrowed unresolved issue**, not a numerical answer: the current publicly retrieved statute and agency materials do not supply a DMP percentage/dollar ceiling, while the official historical regulation/adoption-repeal record remains incomplete.\n\n# A. Substantive findings\n\n## 1. Current statutory fee rules for Connecticut debt adjustment\n\nCurrent §36a-660 requires each licensed debt adjuster to:\n\n- give the debtor a written agreement identifying the services and fees;\n- provide individualized credit counseling and budgeting assistance **without charge** before the agreement;\n- make remittances after receipt of debtor funds, less prorated fees and costs, subject to the statute’s accumulation exception.\n\nThose provisions establish a zero-dollar counseling rule plus disclosure and allocation requirements, but they do not state a general percentage, monthly-dollar, setup-fee, per-creditor, savings-based, or aggregate DMP fee cap. **[S_CT-P2-C001–C003]** [Connecticut General Assembly+1](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\nSection 36a-661a separately allows a debtor to void the agreement and recover fees if the licensee charges or receives fees/payments not specified in the written agreement. That provision makes disclosure consequential; it does **not** convert the disclosed amount into an otherwise lawful fee or establish its numerical maximum. [Connecticut General Assembly](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\nSection 36a-662 states that the commissioner **may adopt regulations** needed to administer and enforce §§36a-655 through 36a-665. The provision is enabling authority. It is not itself a fee schedule. [Connecticut General Assembly+1](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\n### Current numerical result established in this pass\n\n| Fee/service | Current numerical rule established |\n| --- | --- |\n| Required individualized preagreement credit counseling and budgeting assistance | **$0** |\n| General DMP enrollment/setup fee | **No current numerical ceiling verified** |\n| Monthly DMP fee | **No current numerical ceiling verified** |\n| Per-creditor DMP fee | **No current numerical ceiling verified** |\n| Percentage of monthly payment | **No current numerical ceiling verified** |\n| Percentage of debt enrolled | **No current numerical ceiling verified** |\n| Aggregate lifetime DMP fee | **No current numerical ceiling verified** |\n\nThis is not a conclusion that those other categories are unlimited. It is a conclusion that **this evidence record does not establish their numerical ceiling.**\n\n## 2. Current official regulation sources\n\n### Department of Banking compilation\n\nThe Department of Banking’s current laws/regulations page says that the regulation compilations it provides were prepared by the Department but “are not intended to be a substitute” for the official RCSA maintained through the Secretary of the State’s eRegulations system. [CT.gov](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations)\n\nThe linked Department regulation page describes a **158-page “Regulation Compilation, revised to June 11, 2014.”** Its Consumer Credit section visibly enumerates regulations for:\n\n- fees charged by real estate brokers and salesmen;\n- small loan licensees;\n- collection practices of creditors;\n- consumer collection agencies;\n\nand other subject-specific rules. The displayed compilation index does **not** list debt adjusters or a debt-adjustment fee regulation. **[S_CT-P2-C004]** [CT.gov](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations)\n\nThat omission is useful evidence, but not enough by itself to prove that no later RCSA section exists, because the Department expressly labels the compilation nonofficial and dates it to 2014.\n\n### Secretary of the State eRegulations\n\nUnlike the failed PASS-01 path, I successfully reached the official Secretary of the State eRegulations interface:\n\n- Title 36a browse page;\n- RCSA search interface;\n- an actual indexed Title 36a section, §36a-1-3.\n\nThe search interface expressly supports exact-section and content searching. [eRegulations+2](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/)\n\nHowever, materially new targeted public searches for:\n\n- debt adjuster\n- debt adjustment\n- 36a-662\n- debt-adjuster fee language\n- debt-adjuster final-approved regulations\n- debt-adjustment regulation-making records\n\ndid not yield an operative debt-adjuster fee section or an adoption/repeal document in the retrievable public results.\n\nThat is an **access/evidence limitation**, not authority for the proposition that such a regulation never existed.\n\n## 3. Adoption and amendment history actually established\n\n### 1967 — statutory regulation authority originates\n\nCurrent §36a-662 traces to **1967 P.A. 882 §14**, later transferred from former §36-377 to §36a-662 in the 1995 recodification. The current history note shows only the 1994 technical change and recodification; it does not identify a particular regulation adopted under the authority. **[S_CT-P2-C008]** [Connecticut General Assembly](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\n### 1979 — nonprofit-only restructuring\n\nThe Connecticut Banking Commissioner’s 1979 report describes P.A.79-160 as eliminating for-profit debt adjustment and creating a licensing procedure for nonprofit adjusters. [CT.gov](https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com)\n\nThe current statutory history confirms that the 1979 act substantially rewrote the licensing structure and deleted certain earlier provisions. The current §36a-661 history also records that P.A.79-160 deleted a former prohibition concerning acceptance of a promissory note, wage assignment, mortgage, or other security for a fee. [Connecticut General Assembly](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com)\n\n**What this does not establish:** it does not reveal an operative historical numerical fee regulation or its repeal date.\n\n### 2002 — licensing changes, not a verified consumer-fee ceiling\n\nThe Department’s official 2002 legislative summary reports amendments to debt-adjuster licensing, including the application fee, license duration, standards, and related licensing mechanics. Nothing in the retrieved summary identifies a numerical consumer DMP fee ceiling. [CT.gov](https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com)\n\n### 2009 — for-profit debt adjustment restored; written fee agreement/free counseling added\n\nP.A.09-208 changed the system materially:\n\n- it removed the nonprofit-only limitation;\n- it made compensation part of the debt-adjustment definition again;\n- §25 amended §36a-660 to require a written agreement identifying services and fees and required free individualized counseling and budgeting before agreement.\n\nThe enacted-act search result exposes the actual beginning of §25, including the inserted written-agreement and no-charge counseling language. [Connecticut General Assembly](https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com)\n\nThe General Assembly’s official public-act summary likewise describes §§23–27 as adding fee disclosure, free counseling, suitability, creditor contact, and voidability protections. It does not describe an enacted numerical DMP consumer-fee maximum. [Connecticut General Assembly](https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com)\n\nThis is important because **2009 is also when Connecticut created the separate debt-negotiation regime and authorized a negotiation maximum-fee schedule.** That separate schedule cannot be imported into debt adjustment.\n\n### 2014 onward\n\nThe Department’s compilation is dated June 11, 2014 and does not display a debt-adjuster regulation series. Current 2026 Department consumer-information and licensing pages continue to describe DMP licensing, written fee disclosure, free counseling, remittance duties, and voidability without publishing a debt-adjuster maximum-fee schedule. [CT.gov+2](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations)\n\nThis supports—but does not by itself conclusively prove—the present finding that no separate numerical DMP fee ceiling is publicly identified in the Department materials retrieved.\n\n# B. PASS-02 source table\n\n| Source ID | Source / issuer | Direct literal URL | Pinpoint / status / access limitation |\n| --- | --- | --- | --- |\n| **S_CT-P2-S001** | Chapter 669, current/2025 General Statutes — Connecticut General Assembly | [https://www.cga.ct.gov/2025/pub/chap_669.htm](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com) | §§36a-660, 661a, 662 and statutory histories. Current codified statutory text as retrieved. [Connecticut General Assembly+1](https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com) |\n| **S_CT-P2-S002** | Chapter 669 official alternate host — CGA | [https://prdext3.cga.ct.gov/2025/pub/chap_669.htm](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com) | §§36a-660–663 and histories. Official CGA host. [Connecticut General Assembly](https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com) |\n| **S_CT-P2-S003** | Department of Banking Regulations — Connecticut 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) | Lines 51–64 identify compilation/revision date; lines 180–234 enumerate visible consumer-credit regulation sets. Current webpage; compilation itself dated June 11, 2014 and expressly nonofficial. [CT.gov](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations) |\n| **S_CT-P2-S004** | Connecticut Banking Laws and Regulations — DOB | [https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations?utm_source=chatgpt.com) | Lines 74–75: Department compilations are not substitutes for official RCSA; links to Secretary of State eRegulations. Current agency procedure/index page. [CT.gov](https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations) |\n| **S_CT-P2-S005** | Connecticut eRegulations Title 36a — Secretary of the State | [https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/?utm_source=chatgpt.com) | Official RCSA browse portal. Successfully retrieved page shell/navigation on Oct.24, 2026; title contents were not populated in the returned body. [eRegulations](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/) |\n| **S_CT-P2-S006** | Search Regulations of Connecticut State Agencies — Secretary of the State | [https://eregulations.ct.gov/eRegsPortal/Search/RCSA](https://eregulations.ct.gov/eRegsPortal/Search/RCSA?utm_source=chatgpt.com) | Official exact-section/content search interface, lines 22–49. Search UI readable; tool could not submit its interactive form directly. [eRegulations](https://eregulations.ct.gov/eRegsPortal/Search/RCSA) |\n| **S_CT-P2-S007** | RCSA §36a-1-3 — Secretary of the State | [https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com) | Actual official Title 36a RCSA section successfully surfaced, confirming that section-level pages can be publicly indexed/retrieved. Not a debt-adjuster fee rule. [eRegulations](https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com) |\n| **S_CT-P2-S008** | P.A.09-208 — Connecticut General Assembly | [https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF](https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com) | Search-indexed enacted text for §25 shows amendment of §36a-660 effective Oct.1, 2009, including written fee agreement/free counseling language. Direct PDF open timed out, so complete page-image verification was not possible. [Connecticut General Assembly](https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com) |\n| **S_CT-P2-S009** | 2009 Public Act Summary Book — CGA Office of Legislative Research | [https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf](https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com) | “DEBT ADJUSTMENT,” §§23–27 summary. Official legislative summary, secondary to enacted act. [Connecticut General Assembly](https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com) |\n| **S_CT-P2-S010** | 2002 Banking and Related Legislation — DOB | [https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation](https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com) | Official agency legislative summary of P.A.02-111 debt-adjuster provisions. Historical explanatory source, not regulation text. [CT.gov](https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com) |\n| **S_CT-P2-S011** | Banking Commissioner’s Report, 1979 — Connecticut DOB | [https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e](https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com) | Report p.12 summary of P.A.79-160: eliminated for-profit debt-adjustment business and established nonprofit licensing. Historical agency report; not the act/regulation itself. [CT.gov](https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com) |\n| **S_CT-P2-S012** | 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) | Current consumer-protection page: written fee agreement, free counseling, suitable payments, creditor contact, remittances, statements, voidability. No numerical DMP schedule displayed. [CT.gov](https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com) |\n| **S_CT-P2-S013** | 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) | Current licensing page references statutes and operational materials; no debt-adjuster maximum-fee schedule is identified. [CT.gov](https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information?utm_source=chatgpt.com) |\n\n# C. Material claim table\n\n| Claim ID | Precise assertion | Sources | Conditions / confidence |\n| --- | --- | --- | --- |\n| **S_CT-P2-C001** | Required individualized credit counseling and budgeting assistance before a debt-adjustment agreement must be provided without charge. | S001/S002 §36a-660(2); S012 | **High. Direct current statutory text.** |\n| **S_CT-P2-C002** | Current §36a-660 requires written disclosure of services/fees and permits creditor remittances less prorated fees and costs, subject to its accumulation condition. | S001/S002 §36a-660(1),(6) | **High. Direct text.** Does not itself establish numerical cap. |\n| **S_CT-P2-C003** | §36a-662 authorizes the commissioner to adopt debt-adjustment regulations but contains no numerical consumer-fee ceiling. | S001/S002 §36a-662 | **High as to statutory text.** |\n| **S_CT-P2-C004** | DOB’s currently posted 2014 regulation compilation does not list a debt-adjuster-specific regulation or debt-adjuster fee rule among its displayed consumer-credit regulations. | S003–S004 | **High as to compilation page contents; moderate inference regarding absence.** Compilation is dated 2014 and nonofficial. |\n| **S_CT-P2-C005** | A materially new official eRegulations route was accessible, but no operative debt-adjuster fee regulation/adoption/repeal record was retrieved. | S005–S007 plus targeted searches | **High as research result, not proof of nonexistence.** |\n| **S_CT-P2-C006** | P.A.09-208 amended §36a-660 to require fee disclosure and free preagreement counseling; the retrieved enacted text/official summary does not identify creation of a numerical DMP fee cap. | S008–S009 | **High for the identified amendments; qualified because direct PDF open timed out.** |\n| **S_CT-P2-C007** | No current numerical DMP setup/monthly/per-creditor/percentage/aggregate cap is established by the sources retrieved in PASS-02; negotiation’s 10% schedule must not be imported. | C001–C006 | **Held/no-number conclusion.** This is not “unlimited fees.” |\n| **S_CT-P2-C008** | Current §36a-662 traces its regulation authority to 1967 P.A.882 §14 and the 1995 recodification, but the statutory history does not identify a particular adopted fee regulation. | S001/S002 | **High for statutory history; adoption history still incomplete.** |\n| **S_CT-P2-C009** | P.A.79-160 restructured debt adjustment as nonprofit-only at that time; retrieved historical materials do not establish a numerical DMP fee regulation or its later repeal. | S011; current statutory histories | **High for restructuring; held for regulation history.** |\n| **S_CT-P2-C010** | Current agency consumer/licensing pages describe debt-adjustment fee disclosure and free counseling without publishing a DMP maximum-fee schedule. | S012–S013 | **High as webpage-content observation; not conclusive proof no RCSA limit exists.** |\n\n# D. Original PASS-01 claim patch map\n\n| Prior claim | PASS-02 treatment | Patched text / status |\n| --- | --- | --- |\n| **S_CT-P1-C027** | **Retain unchanged; strengthened.** | “Adjustment licensees must provide individualized preagreement counseling and budgeting assistance without charge.” PASS-02 confirms **$0** from current statutory text. Supported additionally by S_CT-P2-C001. |\n| **S_CT-P1-C028** | **Retain hold, but narrow it.** | Replace “complete current numerical cap was not established” with: **“Current statute establishes $0 for required preagreement counseling, requires fee disclosure, and contemplates prorated fees/costs in remittances. No general setup/monthly/per-creditor/percentage/aggregate DMP fee ceiling was established from the current official public materials retrieved. The official administrative adoption/repeal chain remains unresolved; do not infer unlimited fees or import negotiation limits.”** Supported by S_CT-P2-C002–C007. |\n| **S_CT-P1-C037** | **No substantive patch from this narrowly scoped pass.** | PASS-02 did not perform the full 2026 legislative-currentness audit. Prior qualification remains. |\n\n# E. Failed-route / dependency table\n\n| Route/dependency | Actual result | Consequence |\n| --- | --- | --- |\n| Official eRegulations Title 36a browse | Page accessible, but returned body contained navigation rather than section listing. | Could not enumerate every Title 36a subtitle directly. |\n| Official eRegulations search form | Search interface accessible and readable, but ordinary web tool cannot submit its interactive form fields. | Exact official form-based content query could not be run directly. |\n| Public indexed searches against eRegulations for debt adjuster, debt adjustment, 36a-662, fee terms, final approved regulations | No operative debt-adjuster fee section or historical regulation-making record surfaced. | Evidence remains a failed retrieval, not proof of absence. |\n| P.A.09-208 official PDF direct open | Timed out; search index exposed relevant enacted text. Screenshot could not be used because the PDF fetch did not complete. | §25 finding is supported by indexed official text plus OLR summary, but full act-page visual verification was not completed. |\n| Complete historical RCSA adoption/repeal docket for any debt-adjuster fee rule | Not located through the available public ordinary-web paths. | Cannot state “never adopted,” “repealed,” or a repeal effective date. |\n\n# F. Granular scope coverage and remaining dependency\n\n| Assigned issue | Status | Claim IDs | Exact next evidence needed |\n| --- | --- | --- | --- |\n| Current statute-based numerical DMP ceiling | **Answered narrowly** | C001–C003, C007 | Current statutory result is $0 counseling only; no broader number established. |\n| Current official debt-adjuster fee regulation | **Unresolved as formal absence/proof** | C004–C005, C010 | Retrieve an official RCSA title/subtitle inventory or exact section(s) governing debt adjustment, if any. |\n| Current DMP setup/monthly/per-creditor/%/aggregate ceiling | **Held** | C007 | Operative RCSA text, official declaratory ruling, or controlling decision establishing such a number. |\n| 1967 adoption authority | **Answered** | C008 | None for enabling statute; separate administrative adoption history remains. |\n| Historical regulation adoption date | **Unresolved** | C005, C008 | Official regulation-making record/register filing showing first adoption, if one occurred. |\n| Historical amendment/repeal date | **Unresolved** | C005, C009 | Official repeal/amendment filing and effective date. |\n| 1979 statutory restructuring | **Answered for statutory change only** | C009 | Original P.A.79-160 text would strengthen, but it would not alone establish a regulation repeal. |\n| 2009 effect on DMP fees | **Answered to retrieved evidence** | C006 | Full-page official act image would remove the direct-PDF-access qualification. |\n| Negotiation 10% schedule | **Excluded / not reused** | C007 | Separate PASS-01 subject; not applicable as DMP fee ceiling absent new authority. |\n| State periodic-payment interpretation | **Excluded per assignment** | — | Later pass. |\n| Full Connecticut dossier / A066 acceptance | **Open** | — | All other required state passes remain separate. |\n\n## Final disposition for the coordinator\n\nFor the Connecticut DMP/debt-adjustment branch, the defensible fee field after PASS-02 is:\n\n**Required pre-agreement counseling fee: $0.**\n\n**Other numerical DMP consumer fee ceiling: HOLD — no current numerical ceiling verified from retrieved official Connecticut statute/regulation sources; complete official administrative adoption/repeal history not yet retrieved.**\n\nDo **not** populate a $50 setup fee, $8-per-creditor monthly fee, $40 monthly cap, 10%-of-savings cap, or any other debt-negotiation number into the debt-adjustment/DMP row.\n\nI did not create another chat, use Deep Research/Work/Codex, contact any regulator, file anything, make an account change, or claim a local save. This is a researcher self-check, not independent review, whole-state completion, or publication-readiness approval.\n\n**END S_CT PASS-02.**\n\n","tables":[{"headers":["Fee/service","Current numerical rule established"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Fee/service","Current numerical rule established"],["Required individualized preagreement credit counseling and budgeting assistance","$0"],["General DMP enrollment/setup fee","No current numerical ceiling verified"],["Monthly DMP fee","No current numerical ceiling verified"],["Per-creditor DMP fee","No current numerical ceiling verified"],["Percentage of monthly payment","No current numerical ceiling verified"],["Percentage of debt enrolled","No current numerical ceiling verified"],["Aggregate lifetime DMP fee","No current numerical ceiling verified"]]},{"headers":["Source ID","Source / issuer","Direct literal URL","Pinpoint / status / access limitation"],"index":1,"links":[{"href":"https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2025/pub/chap_669.htm"},{"href":"https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"Connecticut General Assembly\n+1"},{"href":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm"},{"href":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"Connecticut General Assembly"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","text":"CT.gov"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations","text":"CT.gov"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","text":"eRegulations"},{"href":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA"},{"href":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA","text":"eRegulations"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com","text":"eRegulations"},{"href":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF"},{"href":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com","text":"Connecticut General Assembly"},{"href":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf"},{"href":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com","text":"Connecticut General Assembly"},{"href":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation"},{"href":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com","text":"CT.gov"},{"href":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com","text":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e"},{"href":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com","text":"CT.gov"},{"href":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information"},{"href":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com","text":"CT.gov"},{"href":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information?utm_source=chatgpt.com","text":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information"},{"href":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information?utm_source=chatgpt.com","text":"CT.gov"}],"row_links":[[],[{"href":"https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2025/pub/chap_669.htm"},{"href":"https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"Connecticut General Assembly\n+1"}],[{"href":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm"},{"href":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","text":"Connecticut General Assembly"}],[{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","text":"CT.gov"}],[{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations"},{"href":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations","text":"CT.gov"}],[{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","text":"eRegulations"}],[{"href":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA"},{"href":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA","text":"eRegulations"}],[{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com","text":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/"},{"href":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com","text":"eRegulations"}],[{"href":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF"},{"href":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com","text":"Connecticut General Assembly"}],[{"href":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com","text":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf"},{"href":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com","text":"Connecticut General Assembly"}],[{"href":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation"},{"href":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com","text":"CT.gov"}],[{"href":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com","text":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e"},{"href":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com","text":"CT.gov"}],[{"href":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com","text":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information"},{"href":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information?utm_source=chatgpt.com","text":"CT.gov"}],[{"href":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information?utm_source=chatgpt.com","text":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information"},{"href":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information?utm_source=chatgpt.com","text":"CT.gov"}]],"rows":[["Source ID","Source / issuer","Direct literal URL","Pinpoint / status / access limitation"],["S_CT-P2-S001","Chapter 669, current/2025 General Statutes — Connecticut General Assembly","https://www.cga.ct.gov/2025/pub/chap_669.htm","§§36a-660, 661a, 662 and statutory histories. Current codified statutory text as retrieved. \nConnecticut General Assembly\n+1"],["S_CT-P2-S002","Chapter 669 official alternate host — CGA","https://prdext3.cga.ct.gov/2025/pub/chap_669.htm","§§36a-660–663 and histories. Official CGA host. \nConnecticut General Assembly"],["S_CT-P2-S003","Department of Banking Regulations — Connecticut DOB","https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","Lines 51–64 identify compilation/revision date; lines 180–234 enumerate visible consumer-credit regulation sets. Current webpage; compilation itself dated June 11, 2014 and expressly nonofficial. \nCT.gov"],["S_CT-P2-S004","Connecticut Banking Laws and Regulations — DOB","https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations","Lines 74–75: Department compilations are not substitutes for official RCSA; links to Secretary of State eRegulations. Current agency procedure/index page. \nCT.gov"],["S_CT-P2-S005","Connecticut eRegulations Title 36a — Secretary of the State","https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","Official RCSA browse portal. Successfully retrieved page shell/navigation on Oct.24, 2026; title contents were not populated in the returned body. \neRegulations"],["S_CT-P2-S006","Search Regulations of Connecticut State Agencies — Secretary of the State","https://eregulations.ct.gov/eRegsPortal/Search/RCSA","Official exact-section/content search interface, lines 22–49. Search UI readable; tool could not submit its interactive form directly. \neRegulations"],["S_CT-P2-S007","RCSA §36a-1-3 — Secretary of the State","https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/","Actual official Title 36a RCSA section successfully surfaced, confirming that section-level pages can be publicly indexed/retrieved. Not a debt-adjuster fee rule. \neRegulations"],["S_CT-P2-S008","P.A.09-208 — Connecticut General Assembly","https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF","Search-indexed enacted text for §25 shows amendment of §36a-660 effective Oct.1, 2009, including written fee agreement/free counseling language. Direct PDF open timed out, so complete page-image verification was not possible. \nConnecticut General Assembly"],["S_CT-P2-S009","2009 Public Act Summary Book — CGA Office of Legislative Research","https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf","“DEBT ADJUSTMENT,” §§23–27 summary. Official legislative summary, secondary to enacted act. \nConnecticut General Assembly"],["S_CT-P2-S010","2002 Banking and Related Legislation — DOB","https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation","Official agency legislative summary of P.A.02-111 debt-adjuster provisions. Historical explanatory source, not regulation text. \nCT.gov"],["S_CT-P2-S011","Banking Commissioner’s Report, 1979 — Connecticut DOB","https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e","Report p.12 summary of P.A.79-160: eliminated for-profit debt-adjustment business and established nonprofit licensing. Historical agency report; not the act/regulation itself. \nCT.gov"],["S_CT-P2-S012","Debt Adjusters — Consumer Information — DOB","https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information","Current consumer-protection page: written fee agreement, free counseling, suitable payments, creditor contact, remittances, statements, voidability. No numerical DMP schedule displayed. \nCT.gov"],["S_CT-P2-S013","Debt Adjuster Licensing Information — DOB","https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information","Current licensing page references statutes and operational materials; no debt-adjuster maximum-fee schedule is identified. \nCT.gov"]]},{"headers":["Claim ID","Precise assertion","Sources","Conditions / confidence"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources","Conditions / confidence"],["S_CT-P2-C001","Required individualized credit counseling and budgeting assistance before a debt-adjustment agreement must be provided without charge.","S001/S002 §36a-660(2); S012","High. Direct current statutory text."],["S_CT-P2-C002","Current §36a-660 requires written disclosure of services/fees and permits creditor remittances less prorated fees and costs, subject to its accumulation condition.","S001/S002 §36a-660(1),(6)","High. Direct text. Does not itself establish numerical cap."],["S_CT-P2-C003","§36a-662 authorizes the commissioner to adopt debt-adjustment regulations but contains no numerical consumer-fee ceiling.","S001/S002 §36a-662","High as to statutory text."],["S_CT-P2-C004","DOB’s currently posted 2014 regulation compilation does not list a debt-adjuster-specific regulation or debt-adjuster fee rule among its displayed consumer-credit regulations.","S003–S004","High as to compilation page contents; moderate inference regarding absence. Compilation is dated 2014 and nonofficial."],["S_CT-P2-C005","A materially new official eRegulations route was accessible, but no operative debt-adjuster fee regulation/adoption/repeal record was retrieved.","S005–S007 plus targeted searches","High as research result, not proof of nonexistence."],["S_CT-P2-C006","P.A.09-208 amended §36a-660 to require fee disclosure and free preagreement counseling; the retrieved enacted text/official summary does not identify creation of a numerical DMP fee cap.","S008–S009","High for the identified amendments; qualified because direct PDF open timed out."],["S_CT-P2-C007","No current numerical DMP setup/monthly/per-creditor/percentage/aggregate cap is established by the sources retrieved in PASS-02; negotiation’s 10% schedule must not be imported.","C001–C006","Held/no-number conclusion. This is not “unlimited fees.”"],["S_CT-P2-C008","Current §36a-662 traces its regulation authority to 1967 P.A.882 §14 and the 1995 recodification, but the statutory history does not identify a particular adopted fee regulation.","S001/S002","High for statutory history; adoption history still incomplete."],["S_CT-P2-C009","P.A.79-160 restructured debt adjustment as nonprofit-only at that time; retrieved historical materials do not establish a numerical DMP fee regulation or its later repeal.","S011; current statutory histories","High for restructuring; held for regulation history."],["S_CT-P2-C010","Current agency consumer/licensing pages describe debt-adjustment fee disclosure and free counseling without publishing a DMP maximum-fee schedule.","S012–S013","High as webpage-content observation; not conclusive proof no RCSA limit exists."]]},{"headers":["Prior claim","PASS-02 treatment","Patched text / status"],"index":3,"links":[],"row_links":[[],[],[],[]],"rows":[["Prior claim","PASS-02 treatment","Patched text / status"],["S_CT-P1-C027","Retain unchanged; strengthened.","“Adjustment licensees must provide individualized preagreement counseling and budgeting assistance without charge.” PASS-02 confirms $0 from current statutory text. Supported additionally by S_CT-P2-C001."],["S_CT-P1-C028","Retain hold, but narrow it.","Replace “complete current numerical cap was not established” with: “Current statute establishes $0 for required preagreement counseling, requires fee disclosure, and contemplates prorated fees/costs in remittances. No general setup/monthly/per-creditor/percentage/aggregate DMP fee ceiling was established from the current official public materials retrieved. The official administrative adoption/repeal chain remains unresolved; do not infer unlimited fees or import negotiation limits.” Supported by S_CT-P2-C002–C007."],["S_CT-P1-C037","No substantive patch from this narrowly scoped pass.","PASS-02 did not perform the full 2026 legislative-currentness audit. Prior qualification remains."]]},{"headers":["Route/dependency","Actual result","Consequence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Route/dependency","Actual result","Consequence"],["Official eRegulations Title 36a browse","Page accessible, but returned body contained navigation rather than section listing.","Could not enumerate every Title 36a subtitle directly."],["Official eRegulations search form","Search interface accessible and readable, but ordinary web tool cannot submit its interactive form fields.","Exact official form-based content query could not be run directly."],["Public indexed searches against eRegulations for debt adjuster, debt adjustment, 36a-662, fee terms, final approved regulations","No operative debt-adjuster fee section or historical regulation-making record surfaced.","Evidence remains a failed retrieval, not proof of absence."],["P.A.09-208 official PDF direct open","Timed out; search index exposed relevant enacted text. Screenshot could not be used because the PDF fetch did not complete.","§25 finding is supported by indexed official text plus OLR summary, but full act-page visual verification was not completed."],["Complete historical RCSA adoption/repeal docket for any debt-adjuster fee rule","Not located through the available public ordinary-web paths.","Cannot state “never adopted,” “repealed,” or a repeal effective date."]]},{"headers":["Assigned issue","Status","Claim IDs","Exact next evidence needed"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claim IDs","Exact next evidence needed"],["Current statute-based numerical DMP ceiling","Answered narrowly","C001–C003, C007","Current statutory result is $0 counseling only; no broader number established."],["Current official debt-adjuster fee regulation","Unresolved as formal absence/proof","C004–C005, C010","Retrieve an official RCSA title/subtitle inventory or exact section(s) governing debt adjustment, if any."],["Current DMP setup/monthly/per-creditor/%/aggregate ceiling","Held","C007","Operative RCSA text, official declaratory ruling, or controlling decision establishing such a number."],["1967 adoption authority","Answered","C008","None for enabling statute; separate administrative adoption history remains."],["Historical regulation adoption date","Unresolved","C005, C008","Official regulation-making record/register filing showing first adoption, if one occurred."],["Historical amendment/repeal date","Unresolved","C005, C009","Official repeal/amendment filing and effective date."],["1979 statutory restructuring","Answered for statutory change only","C009","Original P.A.79-160 text would strengthen, but it would not alone establish a regulation repeal."],["2009 effect on DMP fees","Answered to retrieved evidence","C006","Full-page official act image would remove the direct-PDF-access qualification."],["Negotiation 10% schedule","Excluded / not reused","C007","Separate PASS-01 subject; not applicable as DMP fee ceiling absent new authority."],["State periodic-payment interpretation","Excluded per assignment","—","Later pass."],["Full Connecticut dossier / A066 acceptance","Open","—","All other required state passes remain separate."]]}],"claims":[{"claim_id":"S_CT-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C001","Precise assertion":"Required individualized credit counseling and budgeting assistance before a debt-adjustment agreement must be provided without charge.","Sources":"S001/S002 §36a-660(2); S012","Conditions / confidence":"High. Direct current statutory text."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S001","S_CT-P2-S012"]},{"claim_id":"S_CT-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C002","Precise assertion":"Current §36a-660 requires written disclosure of services/fees and permits creditor remittances less prorated fees and costs, subject to its accumulation condition.","Sources":"S001/S002 §36a-660(1),(6)","Conditions / confidence":"High. Direct text. Does not itself establish numerical cap."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S001"]},{"claim_id":"S_CT-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C003","Precise assertion":"§36a-662 authorizes the commissioner to adopt debt-adjustment regulations but contains no numerical consumer-fee ceiling.","Sources":"S001/S002 §36a-662","Conditions / confidence":"High as to statutory text."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S001"]},{"claim_id":"S_CT-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C004","Precise assertion":"DOB’s currently posted 2014 regulation compilation does not list a debt-adjuster-specific regulation or debt-adjuster fee rule among its displayed consumer-credit regulations.","Sources":"S003–S004","Conditions / confidence":"High as to compilation page contents; moderate inference regarding absence. Compilation is dated 2014 and nonofficial."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S003","S_CT-P2-S004"]},{"claim_id":"S_CT-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C005","Precise assertion":"A materially new official eRegulations route was accessible, but no operative debt-adjuster fee regulation/adoption/repeal record was retrieved.","Sources":"S005–S007 plus targeted searches","Conditions / confidence":"High as research result, not proof of nonexistence."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S005","S_CT-P2-S007"]},{"claim_id":"S_CT-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C006","Precise assertion":"P.A.09-208 amended §36a-660 to require fee disclosure and free preagreement counseling; the retrieved enacted text/official summary does not identify creation of a numerical DMP fee cap.","Sources":"S008–S009","Conditions / confidence":"High for the identified amendments; qualified because direct PDF open timed out."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S008","S_CT-P2-S009"]},{"claim_id":"S_CT-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C007","Precise assertion":"No current numerical DMP setup/monthly/per-creditor/percentage/aggregate cap is established by the sources retrieved in PASS-02; negotiation’s 10% schedule must not be imported.","Sources":"C001–C006","Conditions / confidence":"Held/no-number conclusion. This is not “unlimited fees.”"},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":[]},{"claim_id":"S_CT-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C008","Precise assertion":"Current §36a-662 traces its regulation authority to 1967 P.A.882 §14 and the 1995 recodification, but the statutory history does not identify a particular adopted fee regulation.","Sources":"S001/S002","Conditions / confidence":"High for statutory history; adoption history still incomplete."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S001"]},{"claim_id":"S_CT-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C009","Precise assertion":"P.A.79-160 restructured debt adjustment as nonprofit-only at that time; retrieved historical materials do not establish a numerical DMP fee regulation or its later repeal.","Sources":"S011; current statutory histories","Conditions / confidence":"High for restructuring; held for regulation history."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S011"]},{"claim_id":"S_CT-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_CT-P2-C010","Precise assertion":"Current agency consumer/licensing pages describe debt-adjustment fee disclosure and free counseling without publishing a DMP maximum-fee schedule.","Sources":"S012–S013","Conditions / confidence":"High as webpage-content observation; not conclusive proof no RCSA limit exists."},"coordinator_verification_status":"scoped_review_with_currency_and_RCSA_holds; see [internal evidence reference]","canonical_source_ids":["S_CT-P2-S012","S_CT-P2-S013"]}],"sources":[{"source_id":"S_CT-P2-S001","urls":["https://www.cga.ct.gov/2025/pub/chap_669.htm","https://www.cga.ct.gov/2025/pub/chap_669.htm?utm_source=chatgpt.com","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":{"Source ID":"S_CT-P2-S001","Source / issuer":"Chapter 669, current/2025 General Statutes — Connecticut General Assembly","Direct literal URL":"https://www.cga.ct.gov/2025/pub/chap_669.htm","Pinpoint / status / access limitation":"§§36a-660, 661a, 662 and statutory histories. Current codified statutory text as retrieved. \nConnecticut General Assembly\n+1"},"coordinator_verification_status":"Actual alternate-host2025text §§36a660/662/history checked; primaryhost502. The2026supplement/later-law audit is not completed. No byte-identity or completecurrentness claim.","source_aliases":["S_CT-P2-S002"],"preserved_alternate_host_record":{"Source ID":"S_CT-P2-S002","Source / issuer":"Chapter 669 official alternate host — CGA","Direct literal URL":"https://prdext3.cga.ct.gov/2025/pub/chap_669.htm","Pinpoint / status / access limitation":"§§36a-660–663 and histories. Official CGA host. \nConnecticut General Assembly"}},{"source_id":"S_CT-P2-S003","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":{"Source ID":"S_CT-P2-S003","Source / issuer":"Department of Banking Regulations — Connecticut DOB","Direct literal URL":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/department-of-banking-regulations","Pinpoint / status / access limitation":"Lines 51–64 identify compilation/revision date; lines 180–234 enumerate visible consumer-credit regulation sets. Current webpage; compilation itself dated June 11, 2014 and expressly nonofficial. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S004","urls":["https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations","https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S004","Source / issuer":"Connecticut Banking Laws and Regulations — DOB","Direct literal URL":"https://portal.ct.gov/dob/laws-and-regulations/laws-and-regulations/connecticut-banking-laws-and-regulations","Pinpoint / status / access limitation":"Lines 74–75: Department compilations are not substitutes for official RCSA; links to Secretary of State eRegulations. Current agency procedure/index page. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S005","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":{"Source ID":"S_CT-P2-S005","Source / issuer":"Connecticut eRegulations Title 36a — Secretary of the State","Direct literal URL":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36a/","Pinpoint / status / access limitation":"Official RCSA browse portal. Successfully retrieved page shell/navigation on Oct.24, 2026; title contents were not populated in the returned body. \neRegulations"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S006","urls":["https://eregulations.ct.gov/eRegsPortal/Search/RCSA","https://eregulations.ct.gov/eRegsPortal/Search/RCSA?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S006","Source / issuer":"Search Regulations of Connecticut State Agencies — Secretary of the State","Direct literal URL":"https://eregulations.ct.gov/eRegsPortal/Search/RCSA","Pinpoint / status / access limitation":"Official exact-section/content search interface, lines 22–49. Search UI readable; tool could not submit its interactive form directly. \neRegulations"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S007","urls":["https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/","https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S007","Source / issuer":"RCSA §36a-1-3 — Secretary of the State","Direct literal URL":"https://eregulations.ct.gov/eRegsPortal/Browse/RCSA/Title_36aSubtitle_36a-1Section_36a-1-3/","Pinpoint / status / access limitation":"Actual official Title 36a RCSA section successfully surfaced, confirming that section-level pages can be publicly indexed/retrieved. Not a debt-adjuster fee rule. \neRegulations"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S008","urls":["https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF","https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S008","Source / issuer":"P.A.09-208 — Connecticut General Assembly","Direct literal URL":"https://www.cga.ct.gov/2009/act/Pa/pdf/2009PA-00208-R00SB-00950-PA.PDF","Pinpoint / status / access limitation":"Search-indexed enacted text for §25 shows amendment of §36a-660 effective Oct.1, 2009, including written fee agreement/free counseling language. Direct PDF open timed out, so complete page-image verification was not possible. \nConnecticut General Assembly"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S009","urls":["https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf","https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S009","Source / issuer":"2009 Public Act Summary Book — CGA Office of Legislative Research","Direct literal URL":"https://www.cga.ct.gov/olr/Documents/year/PASUMBK/2009PASUMBK-20091026_Summary%20of%202009%20Public%20Acts%20Part%20I.pdf","Pinpoint / status / access limitation":"“DEBT ADJUSTMENT,” §§23–27 summary. Official legislative summary, secondary to enacted act. \nConnecticut General Assembly"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S010","urls":["https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation","https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S010","Source / issuer":"2002 Banking and Related Legislation — DOB","Direct literal URL":"https://portal.ct.gov/dob/legislation/legislation/2002-banking-and-related-legislation","Pinpoint / status / access limitation":"Official agency legislative summary of P.A.02-111 debt-adjuster provisions. Historical explanatory source, not regulation text. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S011","urls":["https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e","https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_CT-P2-S011","Source / issuer":"Banking Commissioner’s Report, 1979 — Connecticut DOB","Direct literal URL":"https://portal.ct.gov/-/media/dob/securities_nonhtml/securities_annual_report_data-archived/1979secsexcerptspdf.pdf?hash=C50046F2F18F706F1F56FBD970DCB086&rev=e9e29678c5604b1b90d16eba6702156e","Pinpoint / status / access limitation":"Report p.12 summary of P.A.79-160: eliminated for-profit debt-adjustment business and established nonprofit licensing. Historical agency report; not the act/regulation itself. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S012","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":{"Source ID":"S_CT-P2-S012","Source / issuer":"Debt Adjusters — Consumer Information — DOB","Direct literal URL":"https://portal.ct.gov/dob/consumer/consumer-education/debt-adjusters---consumer-information","Pinpoint / status / access limitation":"Current consumer-protection page: written fee agreement, free counseling, suitable payments, creditor contact, remittances, statements, voidability. No numerical DMP schedule displayed. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_CT-P2-S013","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":{"Source ID":"S_CT-P2-S013","Source / issuer":"Debt Adjuster Licensing Information — DOB","Direct literal URL":"https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Debt-Adjuster-Licensing-Information","Pinpoint / status / access limitation":"Current licensing page references statutes and operational materials; no debt-adjuster maximum-fee schedule is identified. \nCT.gov"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Current statute-based numerical DMP ceiling","researcher_record":{"Assigned issue":"Current statute-based numerical DMP ceiling","Status":"Answered narrowly","Claim IDs":"C001–C003, C007","Exact next evidence needed":"Current statutory result is $0 counseling only; no broader number established."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current official debt-adjuster fee regulation","researcher_record":{"Assigned issue":"Current official debt-adjuster fee regulation","Status":"Unresolved as formal absence/proof","Claim IDs":"C004–C005, C010","Exact next evidence needed":"Retrieve an official RCSA title/subtitle inventory or exact section(s) governing debt adjustment, if any."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current DMP setup/monthly/per-creditor/%/aggregate ceiling","researcher_record":{"Assigned issue":"Current DMP setup/monthly/per-creditor/%/aggregate ceiling","Status":"Held","Claim IDs":"C007","Exact next evidence needed":"Operative RCSA text, official declaratory ruling, or controlling decision establishing such a number."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"1967 adoption authority","researcher_record":{"Assigned issue":"1967 adoption authority","Status":"Answered","Claim IDs":"C008","Exact next evidence needed":"None for enabling statute; separate administrative adoption history remains."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Historical regulation adoption date","researcher_record":{"Assigned issue":"Historical regulation adoption date","Status":"Unresolved","Claim IDs":"C005, C008","Exact next evidence needed":"Official regulation-making record/register filing showing first adoption, if one occurred."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Historical amendment/repeal date","researcher_record":{"Assigned issue":"Historical amendment/repeal date","Status":"Unresolved","Claim IDs":"C005, C009","Exact next evidence needed":"Official repeal/amendment filing and effective date."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"1979 statutory restructuring","researcher_record":{"Assigned issue":"1979 statutory restructuring","Status":"Answered for statutory change only","Claim IDs":"C009","Exact next evidence needed":"Original P.A.79-160 text would strengthen, but it would not alone establish a regulation repeal."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"2009 effect on DMP fees","researcher_record":{"Assigned issue":"2009 effect on DMP fees","Status":"Answered to retrieved evidence","Claim IDs":"C006","Exact next evidence needed":"Full-page official act image would remove the direct-PDF-access qualification."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Negotiation 10% schedule","researcher_record":{"Assigned issue":"Negotiation 10% schedule","Status":"Excluded / not reused","Claim IDs":"C007","Exact next evidence needed":"Separate PASS-01 subject; not applicable as DMP fee ceiling absent new authority."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"State periodic-payment interpretation","researcher_record":{"Assigned issue":"State periodic-payment interpretation","Status":"Excluded per assignment","Claim IDs":"—","Exact next evidence needed":"Later pass."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Full Connecticut dossier / A066 acceptance","researcher_record":{"Assigned issue":"Full Connecticut dossier / A066 acceptance","Status":"Open","Claim IDs":"—","Exact next evidence needed":"All other required state passes remain separate."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}