{"meta":{"key":"s_dc--pass-04","task":"S_DC","title":"Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure","parent_title":"District of Columbia debt and debt relief law","edition":"pass-04","path":"/research/s_dc--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":11,"claims":58,"sources":18,"review_status":"scoped_coordinator_contract_electronic_authority_review_complete_F02_pinpoint_correction_UNSENT_FCRA_reverification_and_all_source_application_holds","review_complete":true,"sha256":"6f376033cbf310f53e869c6cc17b5541ed87a9e7834ac22125c180cf1e6590b4","headings":["Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure","2.1 The governing sequence","Mandatory Chapter 46 document checks","2.2 Three unresolved drafting issues must remain visible","3.1 Separate authority matrix","3.2 When a document is a power of attorney","3.3 The TSR’s specific-agreement requirement is narrower than general agency authority","3.4 Debit and records authorizations","4.1 Electronic equivalence does not establish agreement","4.2 Delivery must remain retainable and satisfy applicable method requirements","4.3 Receipt is a factual and legal event—not automatically a send timestamp","4.4 Conditional E-SIGN consumer-consent requirements","Conditional electronic-document audit additions","5.1 The clocks cannot be merged","5.2 CROA has additional document requirements","5.3 TSR coverage and disclosures remain transaction-specific","Separate the money categories","7.1 State nonwaiver is not an automatic whole-contract-void rule","7.2 Current CPPA provisions relevant to contract wording","7.3 Published opinions: holdings, posture, and limits","Model M01 — Covered noncustodial negotiation agreement with overbroad settlement authority","Model M02 — Conditionally eligible custodial DMP cancellation","Model M03 — Conditional credit repair with conflicting clock assumptions","Model M04 — Remote electronic delivery with uncertain purpose and exclusion facts","12.1 Access and read log","12.2 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_DC/pass-04","facets":{"geography":["us","us-dc"],"debt_type":[],"stage":["origination"],"subject":["definitions-classification","agreements-disclosures"]},"scope":"Reviewed remaining provider agreements/disclosures/authority/electronic delivery/cancellation/contract-failure component only; A/B/Cprocedure gaps held","pending_corrections":1},"markdown":"# S_DC — PASS-04\n\n## Provider agreements, disclosures, consumer authority, electronic delivery, cancellation, and contract failure\n\n**Actual source-check date:** October 27, 2026, Pacific.\n**Research method:** Public statutes, regulations, official interpretations, final rulemaking, and published judicial opinions.\n**Disposition:** **Substantial statutory findings established; application to an actual provider, agreement, authorization, electronic workflow, or refund remains conditional.**\n\nThe principal distinction is that **a signed provider agreement, authority to negotiate, authority to accept a creditor’s settlement, payment authorization, electronic-delivery consent, and waiver of rights are different legal questions**. No single checkbox, power-of-attorney label, or enrollment payment establishes all of them.\n\nTwo particularly important findings are:\n\n- A valid state-law power of attorney can authorize specified settlement activity, but the FTC’s debt-relief rulemaking expressly rejects using a blanket power of attorney as a substitute for the customer’s execution of the **specific creditor agreement** when satisfying the TSR’s fee-earning condition. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12)\n- D.C. Code § 28-4606 does **not** declare every noncompliant CCSO agreement automatically void. Conditional federal CROA coverage produces a different result: 15 U.S.C. § 1679f(c) expressly makes a noncompliant covered contract void and unenforceable. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4606)\n\nNo current agency-prescribed CCSO agreement or administrative cancellation form is established by this pass. The P03 application, public-category, and implementing-rule gaps remain open.\n\n# 1. Scope, applicability, and source conventions\n\nThis report assumes coverage only when the actual statutory predicates are satisfied. The supplied reviewed foundation remains conditional concerning personal versus business purposes, mixed debts, remote-provider nexus, and actor-specific exclusions. An actual § 501(c)(3) organization, a qualifying D.C.-licensed attorney acting within the practice of law, and other listed institutions require their own exclusion analysis; the claimant bears the Chapter 46 exemption burden. An exclusion under one law does not establish an exclusion under another. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4601)\n\n**Source and claim references:** S001 below means **S_DC-P4-S001**; C001 means **S_DC-P4-C001**. Full IDs appear in the registers.\n\n**Fresh versus carried forward:** The statutory provisions and selected opinion passages identified in the source register were freshly read. P03’s unresolved form/procedure/rule findings are carried forward as supplied; their failed routes were not rerun. Historical enforcement complaints, releases, consent decrees, and the earlier Chen opinion were not used to establish new merits propositions.\n\n**Date limitation:** Access date, publication currency, enactment date, effective date, and a judicial decision date are kept separate. No original P02 source is blanket-redated.\n\n# 2. D.C. agreement requirements and documentary audit worksheet\n\n## 2.1 The governing sequence\n\nFor a covered CCSO transaction, § 28-4605(a) requires the information statement **before the earlier of contract execution or receipt of money or other valuable consideration**. It also requires retention for three years of the consumer-signed acknowledgment of receipt. The later agreement must be written, dated, and signed by the consumer; the cancellation notice must accompany it; the consumer must receive the listed documents. [D.C. Law Library](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\nThe following is an **audit worksheet**, not contract language or a ready-to-sign form. “Proof” identifies a generic documentary category; no actual records are requested or reviewed.\n\n### Mandatory Chapter 46 document checks\n\n| Audit item | Requirement and exact authority | Generic proof needed | Failure or unresolved point |\n| --- | --- | --- | --- |\n| **D01 — Precontract sequence** | Information statement before the earlier event specified in **§ 28-4605(a)**. | Version of statement; evidence of delivery; execution and payment-event sequence. | A disclosure delivered after signing or payment does not satisfy the stated sequence merely because it is later acknowledged. |\n| **D02 — Receipt acknowledgment** | Consumer-signed acknowledgment retained **three years**, **§ 4605(a)**. | Signed acknowledgment tied to the delivered statement; retention record. | A generic “terms accepted” record may not identify the required statement. |\n| **D03 — File-inspection rights** | Complete and accurate explanation of the right to review the consumer-reporting agency’s file under FCRA, **§ 4605(b)(1)**. | Disclosure text and version. | A misleading statement of federal rights fails the accuracy requirement. |\n| **D04 — D.C.’s 30-day wording** | Statement addressing free file review requested within **30 days after credit-denial notice**, **§ 4605(b)(2)**. | Required state content plus accurate explanation of current federal rights. | Federal § 1681j(b) supplies a **60-day** adverse-action request period. Do not represent the federal right as expiring at day 30. |\n| **D05 — Provider’s review charge** | Approximate amount the **CCSO** will charge for reviewing the file outside the stated 30-day circumstance, **§ 4605(b)(3)**. | Accurate description of the provider’s proposed charge, if relevant. | This is not a statutory consumer-fee ceiling or necessarily a CRA charge. No amount is invented here. |\n| **D06 — Provider-maintained file disputes** | Right to dispute accuracy or completeness of a file maintained by the **CCSO**, as allowed by applicable law, **§ 4605(b)(4)**. | Disclosure retaining the actual statutory subject. | The statute says CCSO here; it should not silently be rewritten as CRA. |\n| **D07 — Services and total charge** | Complete, detailed services description and total amount charged, **§ 4605(b)(5)**. | Defined deliverables and complete compensation terms. | “Debt relief services” alone may omit the required detail. An unknown fee formula is not approved by this report. |\n| **D08 — Security recovery right** | Statement of the consumer’s right to recover under Chapter 46 bond/trust security, **§ 4605(b)(6)**. | Accurate description of applicable security and recovery right. | The relationship between this unconditional disclosure wording and § 4604’s pre-completion-payment security branch remains unresolved for a provider claiming no security obligation. |\n| **D09 — Security identifiers** | Trust depository/trustee names and addresses and account number, **or** surety name/address, bond account number and date, **§ 4605(b)(7)**. | Correct security information for the legally applicable branch. | Do not fabricate identifiers or substitute a consumer savings account for provider security. No automatic “not applicable” exception was authenticated. |\n| **D10 — Direct CRA dispute right** | Right to dispute directly with the CRA under FCRA, **§ 4605(b)(8)**. | Required statement. | Paid assistance cannot be described as the consumer’s only dispute route. |\n| **D11 — Agreement execution** | Agreement in writing, dated, and signed by consumer, **§ 4605(c)**. | Complete executed version; signature attribution and date. | A telephone sales conversation alone is not the required written agreement. Electronic equivalence requires the separate analysis below. |\n| **D12 — All payment terms** | Terms and total of all payments, including payments to the CCSO **or another person**, **§ 4605(c)(1)**. | Complete payment schedule and recipient categories. | No published authority was authenticated allowing an unidentified estimate to replace the statutory total where future creditor terms are unknown. |\n| **D13 — Specific services** | Detailed services, including specific detrimental credit information proposed to be remedied, **§ 4605(c)(2)(A)**. | Accurate service scope and relevant credit-information description. | Applying this credit-repair-oriented wording to negotiation-only services requires care; no administrative adaptation was verified. |\n| **D14 — Refund promises** | Any full or partial refund guarantee or promise, **§ 4605(c)(2)(B)**. | Exact promise and conditions. | A contractual promise may supplement statutory rights; it cannot silently eliminate them. |\n| **D15 — Estimated completion** | Estimated completion date or necessary duration, **§ 4605(c)(2)(C)**. | Stated estimate and its basis. | This requirement does not define when services are legally “completed” or fees earned. |\n| **D16 — Business/agent information** | Principal business address and registered agent’s name/address for service of process, **§ 4605(c)(3)**. | Accurate contract information. | The registered agent’s litigation role does not automatically make that person the exclusive cancellation recipient. |\n| **D17 — Cancellation right** | Accompanying notice of cancellation within **five calendar days of signing**, **§ 4605(d)(1)**. | Notice delivered with contract; execution event. | Do not substitute five business days, five days after payment, or five days after email opening. |\n| **D18 — Cancellation method** | Personal delivery of a signed, dated notice, or sending cancellation by **certified mail, return receipt requested**, to the CCSO, **§ 4605(d)(2)**. | Notice content; delivery or mailing evidence; usable recipient information. | Ordinary email is not automatically the statutory equivalent. The electronic-law interaction is discussed below. |\n| **D19 — Reimbursement notice** | Notice that reimbursement is due within **10 days of receipt of cancellation notice**, **§ 4605(d)(3)**. | Receipt event and reimbursement documentation. | The section does not supply a complete amount calculation or expressly call these business days. |\n| **D20 — Consumer copies** | Information statement, contract, disclosure statement, cancellation notice, and other required documents, **§ 4605(e)**. | Copies of the versions actually delivered and evidence of accessibility. | Do not assume one undifferentiated enrollment page satisfies every named document requirement. |\n\n**Authority for D01–D20:** S001, § 28-4605(a)–(e); D04 additionally S009, 15 U.S.C. § 1681j(b). [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\n## 2.2 Three unresolved drafting issues must remain visible\n\n**First, the 30-day/60-day mismatch.** D.C.’s older disclosure text still refers to 30 days; current FCRA text provides the specified free disclosure following an adverse-action notification when requested within 60 days. A disclosure should not falsely describe the federal right as ending sooner. This report does not approve a rewritten statutory form or resolve every possible reconciliation method. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\n**Second, security disclosures versus the conditional security obligation.** Section 4605(b)(6)–(7) contains security-disclosure requirements, while § 4604 imposes its security condition on receipt of money before completion. No authenticated rule or published opinion found in this pass supplies a universal omission or “not applicable” instruction for a post-completion-only arrangement. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\n**Third, statutory content is not an agency-approved form.** Section 4605 specifies required contents and a cancellation notice, but does not reproduce a complete prescribed contract. Section 4608’s rulemaking provisions do not establish that an identified current administrative form has been adopted. P03’s form/rule gap remains unchanged. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\n# 3. Consumer authorization is not one indivisible permission\n\n## 3.1 Separate authority matrix\n\n| Act | Necessary authority or consent | What does **not** establish it automatically |\n| --- | --- | --- |\n| **Advise or negotiate** | Actual engagement scope; any agency authority granted; applicable professional and consumer law. | Registration, a marketing label, or possession of consumer records. |\n| **Bind the consumer to a creditor agreement** | Consumer’s own assent, or valid state-law agency authority within its scope; creditor assent and applicable contract formalities. | Permission merely to discuss options or request an offer. |\n| **Satisfy the TSR’s customer-execution fee condition** | Customer execution of the **specific** qualifying creditor agreement, where § 310.4(a)(5) applies. | Blanket advance approval, acceptance thresholds, or provider execution under a power of attorney. |\n| **Make a creditor payment** | Applicable account/payment authority and the creditor agreement’s payment terms. | A provider’s authority to negotiate or quote a settlement. |\n| **Debit a consumer account repeatedly** | For covered preauthorized EFTs, signed or similarly authenticated written authorization by the consumer and a copy furnished to the consumer. | Oral permission given to a merchant alone, an unrelated service signature, or general data-sharing consent. |\n| **Obtain a consumer report** | A permissible FCRA purpose, including qualifying written consumer instructions where relied upon, and required certification. | A contract clause saying the provider may obtain “anything.” |\n| **Share confidential legal-client information** | Applicable Rule 1.6 consent, implied authorization, or a specific exception. | Attorney affiliation or an unrestricted commercial release. |\n| **Waive statutory rights or select dispute procedures** | An enforceable provision that survives applicable nonwaiver, contract, and federal arbitration rules. | General consent to services or a broad power-of-attorney caption. |\n\nThe governing sources are D.C.’s Power of Attorney Act, Regulation E, FCRA, D.C. professional-conduct rules, and the TSR—not a single universal authorization rule. [D.C. Law Library+4](https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12)\n\n## 3.2 When a document is a power of attorney\n\nD.C.’s current Act defines a power of attorney by the authority granted in a record, not simply its title. An ordinary service agreement is not necessarily a power of attorney; an embedded authorization to act in the consumer’s place may require that analysis.\n\nFor an instrument executed under the current D.C. Act, § 21-2601.05 requires signature and **acknowledgment before a notary or another authorized acknowledgment officer**. A routine click does not independently satisfy that requirement. Earlier instruments, instruments executed outside D.C., military powers, and excluded categories have separate validity provisions. [D.C. Law Library+2](https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02)\n\nElectronic notarization is not categorically barred: UETA § 28-4910 recognizes an electronic acknowledgment when the authorized person’s electronic signature and required information are associated with the record. That does not dispense with the applicable acknowledgment requirements or establish compliance with remote-notarization law, which was not comprehensively investigated here. [D.C. Law Library](https://code.dccouncil.gov/us/dc/council/code/sections/28-4910)\n\nA properly scoped power can include settlement or claims authority under § 21-2602.12, and banking authority under § 21-2602.08 can include substantial account powers unless limited. Those state-law powers are not substitutes for independently applicable federal consumer authorization requirements. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12)\n\n## 3.3 The TSR’s specific-agreement requirement is narrower than general agency authority\n\nThe FTC’s final-rule discussion at **75 Fed. Reg. 48489** explains that customer execution may be oral or written where the agreement is otherwise legally valid. But the customer must execute the **particular agreement**; the provider cannot satisfy this requirement through blanket advance consent or execution using a power of attorney. This is a fee-condition interpretation, not a declaration that all state-law agency settlements are invalid. [GovInfo](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf)\n\nThe current rule independently requires the customer’s payment pursuant to that agreement and compliance with the allocation condition in § 310.4(a)(5)(i)(C). The final rule distinguishes a bona fide installment settlement from a creditor’s required lump sum: a provider cannot manufacture the payment trigger by treating a fraction of a required lump sum as an installment. Its DMP discussion likewise depends on binding creditor agreements, customer execution, and the applicable payment arrangement—not merely enrollment or a deposit into savings. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## 3.4 Debit and records authorizations\n\nRegulation E’s recurring-debit rule applies to covered consumer accounts and transfers authorized in advance to recur at substantially regular intervals. The authorization must be written and signed or similarly authenticated by the consumer; a copy must be provided. A consumer can separately stop a scheduled preauthorized transfer through the financial institution under § 1005.10(c). Stopping a debit does not itself determine the remaining contractual debt. One-time payments require their own analysis and should not be mislabeled recurring transfers. [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1005/2/)\n\nFCRA permits obtaining a consumer report under specified purposes, including written instructions from the consumer. Section 1681b(f) separately restricts obtaining or using reports without an authorized purpose and certification. This does not supply blanket permission for all collection, redisclosure, medical information, or unrelated records. [US Code+1](https://uscode.house.gov/us/usc/119-134/t15/s1681b/)\n\nFor lawyers, Rule 1.2 reserves settlement decisions to the client, and Rule 1.6 supplies confidentiality rules and exceptions. These are not displaced merely because the lawyer is outside the CCSO definition. [DC Bar+1](https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation)\n\n# 4. Electronic formation, delivery, and retention\n\n## 4.1 Electronic equivalence does not establish agreement\n\nD.C. UETA applies to covered transactions when the parties agree to conduct them electronically, assessed from context and conduct. It recognizes electronic records and signatures but preserves other substantive law. Attribution requires evidence that the act was the relevant person’s act; a stored timestamp alone does not resolve identity, intent, authority, or the contents accepted. UETA also has exclusions, including specified testamentary and UCC matters. [D.C. Law Library+3](https://code.dccouncil.gov/us/dc/council/code/sections/28-4902)\n\nThe D.C. Circuit’s published **Walker v. Uber Technologies** opinion illustrates the distinction between receiving a message and assenting to a contract. It affirmed denial of arbitration where the guest rider lacked the required notice of the alleged contractual terms. The court expressly acknowledged that D.C.’s highest court had not resolved whether inquiry notice alone sufficed, and assumed that issue without deciding it. It is not a universal rule that every unread electronic contract fails. [D.C. Circuit Court+2](https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf)\n\n## 4.2 Delivery must remain retainable and satisfy applicable method requirements\n\nUnder § 28-4907, a required electronic record must be capable of retention at receipt; inhibiting printing or storage matters. Requirements for specified delivery methods and formats are not simply erased. Section 28-4911 separately addresses accurate, accessible retention. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-4907)\n\nThis is material to D.C.’s certified-mail cancellation language. UETA alone does not establish that ordinary email replaces the specified method. E-SIGN also preserves important requirements concerning delivery verification, while § 7002 addresses state UETA laws and limits circumvention of federal electronic-signature rules. **No controlling published decision was authenticated here resolving the precise interaction for § 28-4605(d)(2).** Accordingly, neither “email always suffices” nor “electronic cancellation can never work” is established. [D.C. Law Library+2](https://code.dccouncil.gov/us/dc/council/code/sections/28-4907)\n\n## 4.3 Receipt is a factual and legal event—not automatically a send timestamp\n\nUETA § 28-4914 addresses entry into a designated or used information-processing system in a processable, retrievable form. Receipt can occur without human awareness, but system designation, accessibility, processing, contrary agreement, and known transmission failure matter. An electronic acknowledgment does not by itself prove that the content received matches the content sent. [D.C. Law Library](https://code.dccouncil.gov/us/dc/council/code/sections/28-4914)\n\nA notice audit therefore needs the delivered content, recipient system, applicable agreed channel, transmission result, and receipt evidence. Merely showing that a provider pressed “send” is not enough to resolve every statutory delivery or receipt condition.\n\n## 4.4 Conditional E-SIGN consumer-consent requirements\n\nFor covered legally required consumer writings, § 7001(c) addresses affirmative electronic consent and advance disclosure of:\n\n- paper alternatives and withdrawal conditions;\n- the scope of consent and withdrawal/contact-update procedures;\n- paper-copy availability and any fees;\n- hardware/software requirements and an electronic demonstration of access.\n\nMaterial technology changes can require additional disclosures and renewed consent. Withdrawal operates prospectively after the specified reasonable implementation period; it does not automatically invalidate previously compliant electronic records. Section 7001(d) addresses accurate, accessible retention. [US Code](https://uscode.house.gov/us/usc/119-134/t15/s7001/)\n\nTwo limits are important. First, § 7002’s treatment of state UETA enactments means the interaction cannot be reduced to “every state writing always follows exactly the same federal consent route.” Second, § 7001(c)(3)’s limited protection against invalidity for a particular electronic-confirmation failure is not a blanket cure for missing consent, missing terms, or defective delivery. E-SIGN’s statutory exclusions—including specified court and sensitive default/termination notices—also remain relevant where a transaction moves outside the ordinary service-agreement setting. [US Code+2](https://uscode.house.gov/us/usc/119-134/t15/s7002/)\n\n### Conditional electronic-document audit additions\n\n| Audit item | Authority | Generic proof needed |\n| --- | --- | --- |\n| **E01 — Electronic-transaction agreement** | UETA §§ 28-4904, 4908 | Agreed scope/channel; identity and intent evidence. |\n| **E02 — Accessible delivery** | §§ 28-4907, 4911 | Consumer-retainable version; no storage/printing inhibition; accessible retained record. |\n| **E03 — Required method** | § 28-4907; E-SIGN §§ 7001(c)(2), 7002 | Analysis of the particular notice’s method and verification requirements. |\n| **E04 — Consumer e-consent** | E-SIGN § 7001(c), where applicable | Consent disclosures, affirmative consent, access demonstration, scope, withdrawal/change records. |\n| **E05 — Receipt** | § 28-4914 | Destination/system evidence, transmission result, retrievability, and notice content. |\n| **E06 — Electronic acknowledgment** | § 28-4910; POA § 21-2601.05 | Authorized acknowledgment officer’s electronic act and required information—not just consumer click evidence. |\n\n# 5. Cancellation, service-start, payment, and return-of-funds clocks\n\n## 5.1 The clocks cannot be merged\n\n| Law and predicate | Trigger and operative period | Required act or consequence | Important boundary |\n| --- | --- | --- | --- |\n| **D.C. CCSOA cancellation** | **Within five calendar days of signing**, § 4605(d)(1). | Accompanying cancellation notice; method in subsection (d)(2). | Not five business days and not triggered by first payment. |\n| **D.C. reimbursement** | **Within 10 days of receipt of cancellation notice**, § 4605(d)(3). | Consumer entitled to reimbursement. | Text does not provide a complete refund calculation, define “completion,” or expressly call these business days. |\n| **CROA service-start restriction**, if covered | No services before a compliant contract and expiration of the **three-business-day period beginning on the date signed**, § 1679d(a). | Delay service performance as required. | A waiting period is not authorization to collect an advance fee. |\n| **CROA cancellation**, if covered | Before midnight of the **third business day beginning after execution**, or after the event that would make the contract enforceable but for the provision, § 1679e(a). | Cancellation without penalty or obligation. | The trigger wording differs from § 1679d(a). |\n| **TSR qualifying account withdrawal**, if covered | Consumer must **receive** owned funds, less qualifying earned fees, within **seven business days of the request**, § 310.4(a)(5)(ii)(E). | Withdrawal from the service without penalty; timely receipt of funds. | Not merely transfer initiation; not a general seven-day refund of every category of money. |\n| **Regulation E stop-payment**, if applicable | Notice to financial institution at least **three business days before** scheduled preauthorized transfer, § 1005.10(c). | Financial-institution stop-payment obligation; permitted written-confirmation procedure. | Separate from canceling the provider contract or creditor agreement. |\n\nAuthorities: S001, S005, S006, and S008. [D.C. Law Library+4](https://code.dccouncil.gov/us/dc/council/code/sections/28-4605)\n\nNo calendar dates are calculated. The relevant business-day definitions, holidays, cutoff rules, and any unsettled method issue must be resolved before calculating an actual deadline. Five calendar days cannot simply be assumed always longer than three business days.\n\n## 5.2 CROA has additional document requirements\n\nCROA coverage depends on its own definition and exclusions. Paid express or implied credit-improvement representations can bring services within the Act; qualifying nonprofits, own-creditor restructuring, and specified financial institutions have exclusions. There is no general attorney exclusion matching D.C.’s attorney clause. [US Code](https://uscode.house.gov/us/usc/119-118/t15/s1679a/)\n\nWhere CROA applies:\n\n| Audit item | Required document or condition | Exact authority |\n| --- | --- | --- |\n| **F01** | Separate statutory consumer-credit-file-rights disclosure before contract execution. | § 1679c(a)–(b). |\n| **F02** | Consumer acknowledgment retained **two years after signature**. This is distinct from D.C.’s three-year acknowledgment requirement. | § 1679c(b). |\n| **F03** | Written, dated, consumer-signed contract containing payment terms, detailed services/guarantees and timing, and organization identification. | § 1679d(a)–(b). |\n| **F04** | Conspicuous statutory cancellation statement adjacent to the signature space. | § 1679d(b)(4). |\n| **F05** | Duplicate cancellation form containing the statutory notice and organization/deadline information. | § 1679e(b). |\n| **F06** | At signing, completed contract, disclosure, and other signed-document copies. | § 1679e(c). |\n| **F07** | No charge or receipt before full performance of the agreed service. | § 1679b(b). |\n\nThese are conditional federal requirements; a D.C. bond or passage of a waiting period does not excuse them. [US Code+3](https://uscode.house.gov/us/usc/119-134/t15/s1679c/)\n\n**Statutory wording mismatch:** Section 1679e(a) uses business days, but the prescribed form text in § 1679e(b) says “third day” in the relevant sentence. That drafting discrepancy does not justify shortening the operative cancellation right to three calendar days. This report neither fills in a deadline nor approves a modified statutory form. [US Code](https://uscode.house.gov/us/usc/119-134/t15/s1679e/)\n\n## 5.3 TSR coverage and disclosures remain transaction-specific\n\nThe TSR applies to qualifying telemarketing, not automatically to every website transaction. Certain inbound advertising and direct-mail exemptions do not protect the listed debt-relief calls; the face-to-face exception has its own predicates and limitations. A web-only transaction cannot be classified without the actual sales process. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nFor covered debt-relief sales, § 310.3 requires disclosures before consent to pay, including applicable costs, material restrictions and refund terms, plus debt-relief timing, required accumulation, nonpayment risks where applicable, and qualifying-account ownership/withdrawal information. Separate credit-repair representations can invoke § 310.4(a)(2), which is not the same rule as CROA’s service-start period. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3)\n\nThe seven-business-day account rule permits subtraction only of fees earned under **all of § 310.4(a)(5)(i)(A)–(C)**. Even satisfying that federal restriction does not independently establish entitlement under D.C. law or the actual contract. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n# 6. Contract failure, termination, rejection, and provider changes\n\n| Event | Established consequence or boundary | What remains dependent on missing documents or law |\n| --- | --- | --- |\n| **Consumer rejects a proposed settlement** | The rejected proposal does not satisfy the TSR’s customer-executed-agreement condition. A provider’s internal approval or blanket POA does not replace it. | Whether negotiation services otherwise create any lawful compensation entitlement; D.C. fee/completion questions remain held. |\n| **Consumer cancels the provider agreement** | Apply the relevant D.C./CROA cancellation provisions and, independently, any qualifying TSR account-withdrawal right. | Cancellation of the service does not itself prove rescission of a separate creditor agreement or forgiveness of the underlying debt. |\n| **Provider fails promised performance** | Compare the failure with the written service, timing, guarantee, and payment terms; deceptive representations and missing required terms can have statutory consequences. | No universal full-refund percentage, automatic retention right, or complete common-law remedy is established without the contract and material facts. |\n| **Consumer misses a later creditor installment** | The creditor agreement’s payment/default terms matter. The TSR’s first-payment rule does not rewrite creditor remedies. | Cure, acceleration, reinstatement of the original balance, release conditions, and treatment of previously earned fees cannot be assumed. |\n| **Provider changes services or payment terms** | A change notice is not itself proof of assent, an effective modification, or valid new debit authorization. | Whether a particular amendment requires new documents or restarts a statutory cancellation period remains fact- and provision-specific. |\n| **Provider assigns the contract or changes entity** | Current CPPA text includes merchant successors/assigns and preserves specified consumer claims and defenses against them. | This does not itself authorize assignment, novation, transfer of a POA, new debits, or unrestricted record sharing. |\n| **Agent is replaced or authority revoked** | POA successor/delegation and termination rules apply; express authority is required for specified redelegation. | A provider’s staffing change does not automatically designate a valid successor agent. Good-faith reliance without actual knowledge of termination is separately addressed by the Act. |\n| **Lawyer is discharged or withdraws** | Rule 1.16 addresses withdrawal, protection of the client, document/property return, and refund of advance amounts not earned or incurred. | Tribunal requirements and lawful fee disputes remain separate; no blanket retention entitlement follows from discharge. |\n\nSources: §§ 28-4603, 4605; TSR § 310.4(a)(5); current § 28-3901(a)(3)(C)(ii); POA §§ 21-2601.10–.11, 21-2602.01; Rule 1.16. [D.C. Law Library+7](https://code.dccouncil.gov/us/dc/council/code/sections/28-4603)\n\n### Separate the money categories\n\nA cancellation analysis must distinguish:\n\n1. consumer-owned money still held for creditor payments;\n2. amounts already paid to creditors;\n3. provider charges paid or claimed;\n4. any independent account-administration charges.\n\nThe TSR’s qualifying-account rule concerns the consumer’s account funds and its specified earned-fee exception. D.C.’s reimbursement text concerns a separate cancellation obligation. They must not be added together as though the same dollar were two recoveries. No account balance, fee ledger, lawful fee method, or prior earnings were supplied; therefore no refund arithmetic or fee-retention amount is established. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n# 7. Nonwaiver, voidness, choice of law, forum, arbitration, and misleading terms\n\n## 7.1 State nonwaiver is not an automatic whole-contract-void rule\n\nSection 28-4603(6) prohibits attempts to obtain waiver of Chapter 46 protections. Section 4606 preserves other applicable rights and assigns the exemption burden; it does not contain a general declaration that every noncompliant contract is void. Section 4607 supplies remedies, but a full remedies analysis is outside this pass. [D.C. Law Library+2](https://code.dccouncil.gov/us/dc/council/code/sections/28-4603)\n\nCROA is different when applicable: § 1679f prohibits waiver and declares noncompliant covered contracts void and unenforceable. Its state-law savings provision preserves consistent, more protective state law. [US Code+1](https://uscode.house.gov/us/usc/119-134/t15/s1679f/)\n\n## 7.2 Current CPPA provisions relevant to contract wording\n\nCurrent § 28-3904 addresses misleading representations, false statements about rights and obligations, material omissions, failure to provide a contract copy, unconscionable terms, misrepresentation of negotiation authority, interference with understanding, and Chapter 46 violations. These are not a basis for presenting unenforceable terms as effective or claiming authority the provider lacks. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/28-3904)\n\n**Currentness check:** The relevant definition and conduct amendments appear in D.C. Law 26-187 §§ 4(b) and 4(f), effective September 26, 2026. Section 6’s funding limitation identifies other enumerated subsections, not those two. This finding does not resolve the funding or operation of the Act’s separate enforcement/remedy changes. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/laws/26-187)\n\nThe CFPB withdrawn-guidance register was checked. The withdrawn contract-terms circular and withdrawn permissible-purpose advisory were **not** used as operative authority; the findings instead rest on current statutory/regulatory text and the published opinions below. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/)\n\n## 7.3 Published opinions: holdings, posture, and limits\n\n| Opinion | Holding and disposition actually used | Read extent and limits |\n| --- | --- | --- |\n| **CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012)** | The Supreme Court held that CROA does not preclude enforcement of a qualifying FAA arbitration agreement; reversed and remanded. The opinion expressly did not decide whether the defendants were covered credit-repair organizations. | Selected majority discussion, particularly printed pp. 98–104; screenshots at pp. 98 and 104. It does not validate every arbitration term, determine assent, or eliminate generally applicable contract defenses. [GovInfo+1](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf) |\n| **Doucette v. Neutron Holdings, Inc., 288 A.3d 339 (D.C. 2023)** | D.C. Court of Appeals affirmed compelling arbitration, rejecting the particular unconscionability challenge. It analyzed the challenged arbitration provision rather than declaring the entire service contract lawful. | Selected slip-opinion pp. 1–8, 12; visual pp. 5, 6, 12. It did not resolve the delegation issue or establish assent for every electronic contract. [Justia Law+2](https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594) |\n| **Walker v. Uber Technologies, Inc. (D.C. Cir. Aug. 28, 2026)** | Affirmed denial of arbitration on the notice/formation facts involving a guest rider. The court did not finally decide whether inquiry notice alone satisfies D.C. law. | Selected slip pp. 2, 9–15, 19–20; visual pp. 9, 14, 20. Federal appellate application of D.C. law, not a D.C. Court of Appeals resolution of the reserved question. [D.C. Circuit Court+2](https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf) |\n| **Forrest v. Verizon Communications, Inc., 805 A.2d 1007 (D.C. 2002)** | Adopted the modern approach to forum-selection clauses, applied reasonable-communication and reasonableness analysis, and affirmed dismissal under the particular Virginia forum clause. | Selected opinion text; visual slip pp. 4, 5, 16. This is not permission to evade Chapter 46 through any choice-of-law clause. Its underlying claims and contractual setting differ from CCSO services. [Justia Law+2](https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236) |\n\nFAA § 2 preserves generally applicable contract defenses; D.C. § 16-4406 separately addresses arbitration-agreement enforceability and threshold questions. Their interaction with delegation, preemption, and an actual contract remains outside a full arbitration dossier. [US Code+1](https://uscode.house.gov/us/usc/119-121/t9/s2/)\n\nD.C.’s POA provisions also contain restrictions concerning predispute jury-trial waivers. They should not be turned into a blanket statement that every arbitration clause signed by an agent is invalid: scope, instrument type, federal preemption, and the particular clause require separate analysis. [D.C. Law Library+1](https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19)\n\n**Later-history limitation:** Targeted public opinion searches were performed, but no comprehensive citator or docket-status review was conducted. Walker’s discussion supplies a later published reference to the D.C. formation authorities; it is not a complete later-history certification for every case. No underlying opinion merely quoted by another opinion is represented as freshly read.\n\n# 8. Four hypothetical document and failure models\n\nThese are anonymous document sequences, not provider records, license examples, or status queries.\n\n## Model M01 — Covered noncustodial negotiation agreement with overbroad settlement authority\n\n**Assumptions:** Chapter 46 applies; no exclusion is established. The service is noncustodial. TSR coverage is assumed only for the federal branch.\n\n**Sequence:**\nA precontract information statement is delivered and acknowledged. A dated provider agreement describes negotiation services and payment terms. A separate clause purports to authorize acceptance of any sufficiently favorable creditor proposal. Later, a particular creditor offer arrives, but the consumer has not executed that offer.\n\n**Document checks:** D01–D20 apply. Any agency instrument must be classified and tested under the POA Act; a provider-agreement signature is not automatically the required acknowledged power. State-law authority to bind the consumer must be distinguished from permission only to negotiate.\n\n**Failure:** Even if a valid state-law power authorizes acceptance, the provider cannot use that power as a substitute for the customer’s execution of the specific agreement to satisfy the TSR fee condition. Neither an offer nor a savings estimate establishes the customer-payment condition.\n\n**Missing evidence:** Actual engagement scope, valid agency instrument if relied upon, specific creditor terms, customer execution, payment evidence, lawful fee terms and allocation. No fee is calculated or deemed earned. **Claims C015–C021.** [D.C. Law Library+2](https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05)\n\n## Model M02 — Conditionally eligible custodial DMP cancellation\n\n**Assumptions:** The model is hypothetically eligible to operate; that eligibility is not established here. Chapter 46 applies. A qualifying TSR account exists only if all relevant account predicates are met. No prior fee is assumed lawfully earned.\n\n**Sequence:**\nA consumer signs DMP documents. Money is set aside for creditor payments. The consumer then sends a service-cancellation notice and separately requests withdrawal of owned account funds.\n\n**Document checks:** Determine whether the D.C. notice was timely and properly delivered; record provider receipt separately from the account-withdrawal request. Identify any actual binding creditor plan, customer execution, and qualifying payment. Segregate still-owned money from payments already made to creditors.\n\n**Failure:** A cancellation acknowledgment or initiated bank transfer does not establish consumer receipt within the TSR’s seven-business-day period. A first payment somewhere in the arrangement does not prove every § 310.4(a)(5)(i)(A)–(C) condition or a lawful state fee entitlement.\n\n**Missing evidence:** Account ownership/control terms, actual request and receipt events, creditor-plan documentation, payment history, contract terms, and fee ledger. D.C.’s reimbursement obligation and the TSR account return must be reconciled without double counting. **Claims C020, C039, C042, C058.** [GovInfo+2](https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf)\n\n## Model M03 — Conditional credit repair with conflicting clock assumptions\n\n**Assumptions:** The service’s paid representations make CROA applicable; Chapter 46 also applies; no statutory exclusion is established.\n\n**Sequence:**\nAt event **S**, the consumer signs. The organization delivers a service agreement but proposes to start work immediately because the consumer checked “start now.” A cancellation notice later arrives at event **R**.\n\n**Document checks:** Verify the separate CROA disclosure, acknowledgment retention, compliant contract, adjacent notice, duplicate cancellation form, completed copies, and D.C. documents. Keep the CROA service-start period beginning on signing separate from its cancellation period beginning after execution or the specified enforceability event. Keep D.C.’s five-calendar-day right separate again.\n\n**Failure:** A “start now” checkbox is not a waiver of CROA’s protections. Passage of either waiting period is not permission to collect before full performance. The statutory form’s “third day” wording cannot justify shortening the operative business-day cancellation right.\n\n**Missing evidence:** Correct document versions, signing/execution events, applicable business-day computation, service commencement, and notice delivery/receipt. No actual deadline is filled in. **Claims C032–C038, C049.** [US Code+4](https://uscode.house.gov/us/usc/119-134/t15/s1679c/)\n\n## Model M04 — Remote electronic delivery with uncertain purpose and exclusion facts\n\n**Assumptions:** The engagement involves mixed personal/business obligations. The documents refer to an attorney or nonprofit connection, but the facts establishing an exclusion are unknown. The consumer receives a portal link and later emails cancellation.\n\n**Sequence:**\nA link is transmitted; a click is recorded; the provider treats the contract and every authorization as complete. No evidence establishes access demonstration, downloadable copies, acknowledgment, or the precise document version accepted.\n\n**Document checks:** First resolve each law’s coverage and exclusion predicates. Then separately test electronic agreement, attribution, required consent, retainability, prescribed delivery method, and receipt. A true D.C. attorney exclusion does not automatically create a CROA exclusion; an attorney still has applicable professional duties.\n\n**Failure:** A delivery log does not establish informed assent or compliance with every required writing. An email cancellation cannot automatically be declared either sufficient or ineffective without resolving the statutory method/electronic-law interaction and facts. Neither “business debt,” “nonprofit,” nor “attorney affiliated” is a conclusive classification.\n\n**Missing evidence:** Purpose and actor facts; agreed electronic channel; consent and access records; actual document content; cancellation transmission/receipt; applicable agency formalities. No status lookup is performed. **Claims C001, C024–C031, C032, C047.** [D.C. Law Library+4](https://code.dccouncil.gov/us/dc/council/code/sections/28-4601)\n\n# 9. Complete source and version register\n\n**All fresh checks below occurred October 27, 2026, Pacific.** “Selected” means only the identified provisions or pages were used; it does not mean a complete book, chapter, regulation history, or opinion citator was reviewed.\n\n| Source ID | Issuer/title and complete literal URL(s) | Exact pinpoints, version/effective status, and actual read limits |\n| --- | --- | --- |\n| **S_DC-P4-S001** | **D.C. Council / Law Library — CCSOA, Chapter 46** https://code.dccouncil.gov/us/dc/council/code/sections/28-4601 https://code.dccouncil.gov/us/dc/council/code/sections/28-4603 https://code.dccouncil.gov/us/dc/council/code/sections/28-4604 https://code.dccouncil.gov/us/dc/council/code/sections/28-4605 https://code.dccouncil.gov/us/dc/council/code/sections/28-4606 https://code.dccouncil.gov/us/dc/council/code/sections/28-4607 https://code.dccouncil.gov/us/dc/council/code/sections/28-4608 | Fresh operative bodies read; principal reliance **4601(1)–(3), 4603(1),(3)–(7), 4604(a)–(b), complete 4605(a)–(e), 4606(a)–(c), 4607 limited contract/remedy distinction, 4608 rule/form distinction**. Section 4605 history: effective March 8, 1991; other sections have their own later histories. Same authority as P02-S001, freshly checked—not independent corroboration. No actual form, registration, or contract approval. |\n| **S_DC-P4-S002** | **D.C. Council — UETA** https://code.dccouncil.gov/us/dc/council/code/sections/28-4901 https://code.dccouncil.gov/us/dc/council/code/sections/28-4902 https://code.dccouncil.gov/us/dc/council/code/sections/28-4903 https://code.dccouncil.gov/us/dc/council/code/sections/28-4904 https://code.dccouncil.gov/us/dc/council/code/sections/28-4905 https://code.dccouncil.gov/us/dc/council/code/sections/28-4906 https://code.dccouncil.gov/us/dc/council/code/sections/28-4907 https://code.dccouncil.gov/us/dc/council/code/sections/28-4908 https://code.dccouncil.gov/us/dc/council/code/sections/28-4910 https://code.dccouncil.gov/us/dc/council/code/sections/28-4911 https://code.dccouncil.gov/us/dc/council/code/sections/28-4914 | Fresh listed bodies; definitions, scope/exclusions, agreed electronic transactions, recognition, writing/delivery, attribution, acknowledgment, retention, sending/receipt. § 4903 applies to records/signatures on or after **October 3, 2001**; individual histories include later technical corrections. Not a complete UETA case-law or remote-notarization review. |\n| **S_DC-P4-S003** | **D.C. Council — Uniform Power of Attorney Act** https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14 https://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08 https://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02 https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03 | Fresh selected statutory bodies: definition/scope; execution/validity; designated law; termination/successors/duties; reliance; express delegation; banking/claims authority; E-SIGN savings; transition. Enacted effective **February 23, 2023, Law 24-236 § 2(d)**. Earlier/out-of-state instruments expressly require separate treatment. No actual POA or acknowledgment examined. |\n| **S_DC-P4-S004** | **U.S. House OLRC — E-SIGN** https://uscode.house.gov/us/usc/119-134/t15/s7001/ https://uscode.house.gov/us/usc/119-134/t15/s7002/ https://uscode.house.gov/us/usc/119-118/t15/s7003/ https://uscode.house.gov/us/usc/119-118/t15/s7006/ | Fresh **7001(a)–(e), 7002, 7003, relevant 7006 definitions**. The 119-134 pages displayed currency through P.L. 119-134, October 20, 2026; the other route displayed through P.L. 119-120, October 7, 2026. These are publication bounds, not a fresh complete review of intervening legislation. Interstate-commerce and consumer predicates; statutory exclusions retained. |\n| **S_DC-P4-S005** | **U.S. House OLRC — CROA** https://uscode.house.gov/us/usc/119-118/t15/s1679a/ https://uscode.house.gov/us/usc/119-118/t15/s1679b/ https://uscode.house.gov/us/usc/119-134/t15/s1679c/ https://uscode.house.gov/us/usc/119-134/t15/s1679d/ https://uscode.house.gov/us/usc/119-134/t15/s1679e/ https://uscode.house.gov/us/usc/119-134/t15/s1679f/ https://uscode.house.gov/us/usc/119-118/t15/s1679j/ | Fresh definitions/exclusions; **1679b(b); complete relevant disclosure/contract/cancellation text in c–e; f; j**. Same OLRC publication bounds as S004. Enacted 1996; statutory applicability note retained. No provider-specific coverage decision; no invented business-day calendar. |\n| **S_DC-P4-S006** | **FTC / eCFR — TSR, 16 C.F.R. Part 310** 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-310.3 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-310.6 | Fresh selected definitions, **310.3(a)(1), (a)(2)(x), (a)(3); 310.4(a)(2), (a)(5)(i)–(ii), (a)(7); 310.6(b)(3),(5),(6)**. Title displayed current through **October 23, 2026**. Title-level update is not section effective date. Applicable telemarketing/FTC jurisdiction and exceptions remain conditional. |\n| **S_DC-P4-S007** | **FTC — 2010 TSR final rule and statement of basis and purpose** https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule https://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf | Fresh selected **III.C.5.a**, printed **75 FR 48489 / PDF index 31**, including footnotes 427–433; visually inspected. Selected effective-date discussion read. Debt-relief advance-fee provision effective **October 27, 2010**. Historical final-rule explanation read alongside current S006; not a whole 66-page visual review. |\n| **S_DC-P4-S008** | **CFPB — Regulation E and official interpretations** https://www.consumerfinance.gov/rules-policy/regulations/1005/2/ https://www.consumerfinance.gov/rules-policy/regulations/1005/3/ https://www.consumerfinance.gov/rules-policy/regulations/1005/10/ | Fresh **1005.2(b),(k); 1005.3(a), relevant coverage; 1005.10(b)–(d)** and relevant official comments, particularly authorization/consumer copy and stop-payment. Pages label themselves current regulation. Full amendment chronology and all account exclusions not independently reconstructed. Not reliance on withdrawn guidance. |\n| **S_DC-P4-S009** | **U.S. House OLRC — FCRA selected provisions** https://uscode.house.gov/us/usc/119-134/t15/s1681b/ https://uscode.house.gov/us/usc/119-118/t15/s1681j/ | Fresh **1681b(a)(2),(f); 1681j(b)**. Publication bounds as S004. Permissible-purpose and free-disclosure interface only; not full FCRA/privacy/redisclosure coverage. |\n| **S_DC-P4-S010** | **D.C. Council — CPPA and 2026 amending law** https://code.dccouncil.gov/us/dc/council/code/sections/28-3901 https://code.dccouncil.gov/us/dc/council/code/sections/28-3904 https://code.dccouncil.gov/us/dc/council/laws/26-187 | Fresh **3901(a)(2)–(3), especially (3)(C)(ii); 3904(a)(5)–(7),(20)–(21),(25),(29), (b)(3)**; Law **26-187 §§ 4(b),4(f),6,8**. Relevant amendments effective **September 26, 2026**; listed funding condition does not include 4(b)/4(f). No full enforcement/remedies or professional-services coverage decision. |\n| **S_DC-P4-S011** | **D.C. Bar — published D.C. Rules of Professional Conduct** https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information https://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation | Fresh **Rules 1.2(a),(c) and relevant comments; 1.6(a),(e),(g); 1.16(a)(3),(c),(d), comments 4,11–12**. Published pages identify relevant amendments effective **September 15, 2025**; underlying adoption order not separately inspected. No lawyer-status lookup. |\n| **S_DC-P4-S012** | **U.S. House OLRC — FAA § 2** https://uscode.house.gov/us/usc/119-121/t9/s2/ | Fresh full operative § 2. Page displayed currency through **P.L. 119-121, October 9, 2026**. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated. |\n| **S_DC-P4-S013** | **D.C. Council — Arbitration agreement validity** https://code.dccouncil.gov/us/dc/council/code/sections/16-4406 | Fresh **(a)–(d)**. Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier. |\n| **S_DC-P4-S014** | **U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95** https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf | Published January 10, 2012 opinion; selected majority pp. **97–104** and disposition; visual **p. 98/PDF 3**, **p. 104/PDF 9**. Reversal/remand; coverage reserved in footnote 1. No full later-history certification. |\n| **S_DC-P4-S015** | **D.C. Court of Appeals — Doucette opinion, reproduced by Justia** https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594 | Published January 26, 2023; **288 A.3d 339**. Selected slip pp. 1–8,12; visual **5/PDF4, 6/PDF5, 12/PDF11**. Court-authored opinion, third-party reproduction; official-host attempt failed. Not an enforcement record or docket search. |\n| **S_DC-P4-S016** | **U.S. Court of Appeals, D.C. Circuit — Walker v. Uber Technologies** https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf | Published **August 28, 2026**; selected slip pp. 2,9–15,19–20; visual **9/PDF8, 14/PDF13, 20/PDF19**. Affirmed denial of arbitration; inquiry-notice sufficiency not finally decided. No subsequent docket-status inquiry. |\n| **S_DC-P4-S017** | **D.C. Court of Appeals — Forrest opinion, reproduced by Justia** https://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236 | Published **August 29, 2002; 805 A.2d 1007**. Selected formation/forum/scope analysis and disposition; visual **4/PDF3, 5/PDF4, 16/PDF15**. Affirmed dismissal; not a CCSOA choice-of-law holding. |\n| **S_DC-P4-S018** | **CFPB — Withdrawn guidance register** https://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/ | Fresh relevant entries: contract-terms circular and FCRA permissible-purpose advisory withdrawn **May 12, 2025**. Register update date is not the legal effective date of underlying statutes/regulations. Used to exclude withdrawn guidance, not as affirmative contract authority. |\n\n# 10. Atomic claim register\n\n| Claim ID | Precise assertion | Sources and exact pinpoints | Conditions and limits |\n| --- | --- | --- | --- |\n| **S_DC-P4-C001** | Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved. | S001, §§ 4601, 4606(b). | Consumer purpose, actor and nexus remain conditional. |\n| **S_DC-P4-C002** | Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years. | S001, § 4605(a). | Not satisfied merely by later disclosure. |\n| **S_DC-P4-C003** | The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file. | S001, § 4605(b)(1)–(4). | Preserve actual statutory subjects. |\n| **S_DC-P4-C004** | FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording. | S009, § 1681j(b); S001, § 4605(b)(2)–(3). | No approved substitute form inferred. |\n| **S_DC-P4-C005** | Detailed services and total charge must be disclosed. | S001, § 4605(b)(5). | No fee formula or amount approved. |\n| **S_DC-P4-C006** | Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved. | S001, §§ 4605(b)(6)–(7),4604. | No invented security or omission exception. |\n| **S_DC-P4-C007** | Direct CRA dispute rights must be disclosed. | S001, § 4605(b)(8). | Does not complete a full FCRA analysis. |\n| **S_DC-P4-C008** | Covered service agreements must be written, dated and consumer-signed. | S001, § 4605(c). | Electronic satisfaction requires separate predicates. |\n| **S_DC-P4-C009** | Payment terms include the total of payments to the provider or another person. | S001, § 4605(c)(1). | Unknown future-payment treatment not resolved. |\n| **S_DC-P4-C010** | Agreement contents include detailed services, proposed credit-information remedies, refund promises and estimated completion. | S001, § 4605(c)(2). | No legal definition of completion supplied. |\n| **S_DC-P4-C011** | Principal business and registered-agent information is required. | S001, § 4605(c)(3). | Service-of-process role is not automatic cancellation exclusivity. |\n| **S_DC-P4-C012** | The accompanying cancellation notice must state five calendar days from signing and the specified personal/certified-mail methods. | S001, § 4605(d)(1)–(2). | No automatic ordinary-email equivalence. |\n| **S_DC-P4-C013** | The notice must state reimbursement within ten days of cancellation-notice receipt. | S001, § 4605(d)(3). | Amount, detailed counting, and payment mechanics not fully specified. |\n| **S_DC-P4-C014** | Consumer copies of the listed documents are required; no current administrative form is established here. | S001, §§ 4605(e),4608; carried P03 gap. | Statutory content is not agency-form approval. |\n| **S_DC-P4-C015** | Negotiation, settlement acceptance, account control and data consent require distinct authority analysis. | S003, S006–S009, S011. | No actual instrument supplied. |\n| **S_DC-P4-C016** | A covered new D.C. POA requires signature and acknowledgment. | S003, §§ 21-2601.02–.03,.05. | Not every service contract is a POA. |\n| **S_DC-P4-C017** | Prior/out-of-state instruments and electronic acknowledgment have separate validity rules. | S003, §§ .06,21-2604.03; S002, § 4910. | No complete remote-notarial procedure investigated. |\n| **S_DC-P4-C018** | Properly granted state-law powers can include claims settlement and banking acts. | S003, §§ 21-2602.08,.12. | Scope and limitations control; federal predicates remain. |\n| **S_DC-P4-C019** | A provider POA cannot replace customer execution of the specific creditor agreement for the TSR fee condition. | S006, § 310.4(a)(5)(i)(A); S007, 75 FR 48489. | Conditional TSR coverage; not a universal invalidity rule for agency settlements. |\n| **S_DC-P4-C020** | Customer payment must satisfy the actual agreement; artificial subdivision of a required lump sum is insufficient. | S006, § 310.4(a)(5)(i)(B); S007, p. 48489 and n.432. | DMP discussion is separately conditional; allocation still matters. |\n| **S_DC-P4-C021** | Covered recurring EFTs need consumer-authenticated written authorization and a copy; stop-payment is distinct from debt cancellation. | S008, §§ 1005.2(b),(k),1005.10(b)–(c). | Consumer-account and transfer coverage required. |\n| **S_DC-P4-C022** | Obtaining/using a consumer report requires a permissible FCRA purpose and applicable certification. | S009, § 1681b(a)(2),(f). | Not blanket privacy or redisclosure permission. |\n| **S_DC-P4-C023** | Lawyers must respect client settlement decisions and applicable confidentiality restrictions. | S011, Rules 1.2(a),1.6. | Actual lawyer/client relationship not established. |\n| **S_DC-P4-C024** | UETA recognition does not eliminate agreement, intent, attribution, scope, or excluded-transaction requirements. | S002, §§ 4901–4908. | Context and evidence matter. |\n| **S_DC-P4-C025** | Required electronic records must meet retainability and retention conditions. | S002, §§ 4907,4911. | A transient or blocked-access page may be insufficient. |\n| **S_DC-P4-C026** | Specified notice methods are not automatically erased by electronic-signature law. | S002, § 4907; S004, §§ 7001(c)(2),7002. | Exact CCSO email-cancellation interaction unresolved. |\n| **S_DC-P4-C027** | Electronic receipt can occur without human awareness but requires the statutory system/processing facts. | S002, § 4914. | Sending or acknowledgment does not prove every receipt/content issue. |\n| **S_DC-P4-C028** | E-SIGN coverage and exclusions must be tested separately from UETA. | S004, §§ 7001,7003,7006. | No universal coverage of every notice. |\n| **S_DC-P4-C029** | Covered consumer e-disclosures require the § 7001(c) consent/access framework. | S004, § 7001(c)(1)–(2). | State UETA interaction must also be considered. |\n| **S_DC-P4-C030** | Withdrawal and retention rules do not automatically invalidate all earlier compliant electronic acts. | S004, § 7001(c)(3)–(4),(d)–(e). | Limited statutory safe language is not a general cure. |\n| **S_DC-P4-C031** | State UETA’s relation to E-SIGN prevents a one-rule-fits-all statement for every state writing. | S004, § 7002; S003, § 21-2604.02. | Precise method/preemption disputes remain held. |\n| **S_DC-P4-C032** | CROA coverage and exclusions differ from Chapter 46; there is no matching blanket attorney exclusion. | S005, § 1679a(3). | Actual representations, consideration and actor facts required. |\n| **S_DC-P4-C033** | CROA requires its separate disclosure and two-year signed acknowledgment retention. | S005, § 1679c. | Do not collapse into an undifferentiated contract. |\n| **S_DC-P4-C034** | CROA requires specified contract terms, cancellation materials and completed copies. | S005, §§ 1679d(b),1679e(b)–(c). | Not a universal D.C. form. |\n| **S_DC-P4-C035** | CROA’s service-start period begins on signing under § 1679d(a). | S005, § 1679d(a). | No actual business-day computation made. |\n| **S_DC-P4-C036** | CROA cancellation uses the after-execution/otherwise-enforceable trigger in § 1679e(a). | S005, § 1679e(a). | Separate from the service-start wording. |\n| **S_DC-P4-C037** | CROA’s form text and operative business-day right use different wording. | S005, § 1679e(a)–(b). | No shortening of the operative right or approved form rewrite. |\n| **S_DC-P4-C038** | CROA prohibits charge/receipt before full agreed-service performance. | S005, § 1679b(b). | Waiting-period expiration or D.C. security is not an exception. |\n| **S_DC-P4-C039** | Qualifying TSR account withdrawal requires receipt within seven business days of request, less only fees satisfying all (i)(A)–(C) predicates. | S006, § 310.4(a)(5)(ii)(E). | Independent state/contract entitlement still necessary. |\n| **S_DC-P4-C040** | TSR coverage depends on the sales process and applicable exceptions. | S006, §§ 310.2,310.6(b)(3),(5),(6). | Web, telephone and face-to-face channels are not interchangeable. |\n| **S_DC-P4-C041** | Covered sales require specified pre-consent disclosures; credit-repair timing has a separate TSR provision. | S006, §§ 310.3(a)(1),310.4(a)(2). | No full federal overview or universal coverage claim. |\n| **S_DC-P4-C042** | Canceling the provider contract does not itself establish rescission of a separate creditor agreement or debt forgiveness. | S001 § 4605; S005 § 1679e; S006 § 310.4(a)(5). | Separate agreement, parties, release and performance terms control. |\n| **S_DC-P4-C043** | A rejected proposal does not satisfy customer execution for covered TSR fee earning. | S006, § 310.4(a)(5)(i)(A); S007 p.48489. | Other compensation questions remain held. |\n| **S_DC-P4-C044** | A later creditor-installment default does not establish automatic fee retention, clawback, release or balance reinstatement. | S006; actual creditor/provider terms absent. | These outcomes are unresolved, not affirmatively prohibited in every case. |\n| **S_DC-P4-C045** | CPPA successor/assign provisions preserve specified claims/defenses; POA delegation/succession remains separate. | S010 § 3901(a)(3)(C)(ii); S003 §§ .11,21-2602.01(a)(5). | No assignment or novation approved. |\n| **S_DC-P4-C046** | POA termination and good-faith action without actual knowledge have distinct rules. | S003, § 21-2601.10. | Revocation notice and actual knowledge are factual issues. |\n| **S_DC-P4-C047** | Lawyer termination entails client-protection and unearned/unincurred advance-return duties. | S011, Rule 1.16(a)(3),(c)–(d). | Subject to applicable tribunal and lawful dispute rules. |\n| **S_DC-P4-C048** | Chapter 46 prohibits waiver but § 4606 does not automatically void all noncompliant contracts. | S001, §§ 4603(6),4606,4607. | Full illegality/remedies analysis remains separate. |\n| **S_DC-P4-C049** | CROA expressly voids noncompliant covered contracts and prohibits waiver. | S005, § 1679f. | Coverage must first be established. |\n| **S_DC-P4-C050** | Current CPPA contract-related prohibitions and successor language are in amendments not subject to the identified funding condition. | S010, Law26-187 §§4(b),4(f),6; §§3901,3904. | Other amendment provisions not resolved. |\n| **S_DC-P4-C051** | CROA does not categorically preclude FAA arbitration, but valid agreement and applicable defenses remain necessary. | S012 §2; S014 pp.98–104. | CompuCredit reserved coverage. |\n| **S_DC-P4-C052** | Doucette rejected the particular arbitration unconscionability challenge, not every possible contract objection. | S015, slip pp.5–6,12. | Delegation/formation limits preserved. |\n| **S_DC-P4-C053** | Walker distinguishes notice/formation from mere use or message receipt and reserves the inquiry-notice sufficiency question. | S016, slip pp.9,14,20. | Federal application of D.C. law on particular facts. |\n| **S_DC-P4-C054** | Forrest supports case-specific forum enforcement, not universal evasion of D.C. protective statutes. | S017, slip pp.4–5,16. | Choice-of-law/public-policy application to CCSOs unresolved. |\n| **S_DC-P4-C055** | POA predispute jury-waiver restrictions require separate FAA/preemption analysis before applying to arbitration. | S003 §§21-2601.19(g),21-2602.12; S012. | No blanket arbitration conclusion. |\n| **S_DC-P4-C056** | Withdrawn CFPB guidance was not used as operative contract or permissible-purpose authority. | S018; operative S008–S010 instead. | Register check is not a complete guidance-history survey. |\n| **S_DC-P4-C057** | Current prescribed administrative CCSO contract/forms and implementation rules remain unauthenticated. | Carried P03 finding; S001 §4608. | No failed-route rerun or absence inference. |\n| **S_DC-P4-C058** | No actual refund amount, lawful fee-retention amount, or completed-service determination is established. | Missing contracts/ledger; S001,S005–S008. | Distinguish money categories and avoid duplicate recovery arithmetic. |\n\n# 11. Granular coverage and remaining-evidence table\n\n| Assigned subquestion | Status | Claims / models | Exact missing evidence or next bounded investigation |\n| --- | --- | --- | --- |\n| Each § 4605 precontract disclosure | **Answered at statutory level** | C002–C007; D01–D10 | Actual document compliance requires the exact disclosure version and delivery sequence. |\n| Signed acknowledgment and retention | **Answered** | C002; D02 | Generic proof category identified; no actual record examined. |\n| Written/detailed service agreement | **Answered at statutory level** | C008–C011; D11–D16 | Actual terms and future-payment treatment remain unknown. |\n| Cancellation notice contents/method | **Answered in text; electronic application partial** | C012–C013; D17–D19 | Published authority resolving § 4605(d)(2) electronic substitution. |\n| Copies and accessibility | **Answered conditionally** | C014,C025 | Exact versions, delivery and accessibility facts. |\n| State 30-day versus federal 60-day disclosure | **Partial reconciliation** | C003–C004 | Approved interpretive guidance or controlling opinion on compliant combined disclosure wording. |\n| Security-disclosure/no-security branch | **Unresolved interpretation** | C006 | Published rule/opinion addressing § 4605(b)(6)–(7) when no pre-completion money is received. |\n| Mandatory administrative agreement/form | **Unresolved; preserved** | C014,C057 | Authenticated adopted rule/form; no P03 failed-route rerun. |\n| Negotiation versus settlement authority | **Answered in legal distinctions** | C015–C019; M01 | Actual engagement and agency instrument. |\n| POA execution/acknowledgment | **Answered for specified statutory branches** | C016–C018 | Execution location/date, applicable exclusion and acknowledgment facts; remote-notarial details if material. |\n| Customer execution under TSR | **Answered conditionally** | C019; M01 | Specific agreement, customer act, legal validity, TSR coverage. |\n| Payment trigger and bona fide installments | **Answered conditionally** | C020; M01–M02 | Creditor-required payment structure and actual payment evidence. |\n| Recurring debit consent/stop-payment | **Answered conditionally** | C021 | Account/transfer classification and authorization record; one-time-payment issues remain separate. |\n| Record access/sharing | **Partial** | C022–C023 | Actual purpose and scope; broader privacy/redisclosure laws not comprehensively investigated. |\n| UETA scope, agreement and attribution | **Answered in text** | C024 | Actual electronic interaction and identity evidence. |\n| Electronic retainability/record retention | **Answered in text** | C025 | Actual file, access conditions and retention system. |\n| Electronic notice receipt | **Answered in text; factual use unresolved** | C027 | Designated system, processability, retrievability, content and transmission result. |\n| E-SIGN consent, withdrawal and paper options | **Answered conditionally** | C028–C031 | Actual consent sequence; precise state-UETA interaction for disputed notices. |\n| Telephone/web/face-to-face differences | **Partial, relevant rules identified** | C040–C041 | Actual sales flow; no assumption that one channel establishes or removes all coverage. |\n| D.C. five-calendar-day cancellation trigger | **Answered** | C012 | Actual signing event and method evidence needed for application. |\n| D.C. ten-day reimbursement trigger | **Answered in text** | C013 | Receipt event, legally applicable computation rule, amount and payment proof. |\n| Complete D.C. reimbursement formula | **Unresolved** | C013,C058 | Contract, consideration/service history, and applicable interpretation; no fee modeling here. |\n| CROA coverage and actor exclusions | **Answered in text; application conditional** | C032 | Representations, consideration and exact exclusion facts. |\n| CROA separate statement/contract/copies | **Answered** | C033–C034; F01–F06 | Actual completed documents; no substitute form approved. |\n| CROA service-start clock | **Answered in text** | C035; M03 | Business-day calendar and actual signing facts before any dated calculation. |\n| CROA cancellation/enforceability trigger | **Answered in text** | C036; M03 | Execution/enforceability event and applicable counting. |\n| CROA notice wording discrepancy | **Partial** | C037 | No approved corrective form or controlling interpretation authenticated. |\n| CROA pre-performance fee restriction | **Answered conditionally** | C038 | Coverage and actual full performance; no state-security exception. |\n| TSR seven-business-day receipt requirement | **Answered conditionally** | C039; M02 | Account conditions, request, actual receipt, and all earned-fee predicates. |\n| Provider termination versus creditor release | **Answered as distinction; outcome unresolved** | C042 | Creditor agreement, release, payment and rescission terms. |\n| Rejected settlement proposal | **Answered for TSR predicate** | C043; M01 | Other state/contract compensation consequences remain held. |\n| Failed performance and refund promises | **Partial** | C010,C048–C050,C058 | Actual promise, material breach facts and focused remedy authority if later assigned. |\n| Failed creditor installment | **Unresolved outcome** | C044 | Default, cure, acceleration, release and fee provisions; no automatic inference. |\n| Provider service/term changes | **Partial** | C024,C029,C045 | Modification terms and assent; whether new statutory clocks attach to a particular change. |\n| Assignment/replacement provider | **Partial** | C045–C046 | Assignment/novation terms, agency succession, consent and notice facts. |\n| Attorney discharge/termination | **Answered in rule text** | C023,C047 | Actual attorney relationship, tribunal involvement and fee/property status. |\n| Nonwaiver and automatic voidness | **Answered with distinction** | C048–C049 | Common-law illegality/rescission and full remedies remain outside this pass. |\n| Choice of law/forum | **Partial** | C054 | Actual clause, nexus and applicable conflicts/public-policy analysis. |\n| Arbitration/POA restrictions | **Partial** | C051–C055 | Actual assent, clause, delegation and FAA-preemption issues; no full arbitration dossier. |\n| Current CPPA contract-related prohibitions | **Answered at selected-provision level** | C050 | Actual consumer/merchant/professional-service coverage remains conditional. |\n| Opinion posture and read limits | **Answered** | C051–C054; S014–S017 | Comprehensive later-history/citator work not performed. |\n| Actual provider/contract approval | **Excluded** | All models | No actual provider, agreement or authorization facts supplied or searched. |\n| Remaining state-parent/A066 categories | **Excluded and preserved** | C057–C058 | Later authorized passes; no acceptance by implication. |\n\n# 12. Actual read/failure log and researcher self-check\n\n## 12.1 Access and read log\n\n| Log item | Actual action/result | Evidentiary treatment |\n| --- | --- | --- |\n| Chapter 46 relevant bodies | Freshly read § 4605 in full and necessary definitions/adjacent conditions. | New contract findings supported; no access/procedure rerun. |\n| UETA, POA, E-SIGN, CROA | Read the listed statutory bodies and selected operative subsections. | No assertion that every related statute, rule or opinion was reviewed. |\n| TSR/current federal sources | Read current specified eCFR provisions and final-rule explanation; inspected the pertinent final-rule PDF page. | Historical preamble distinguished from current codified rule. |\n| Regulation E/FCRA | Read operative provisions and relevant official interpretations. | No reliance on a withdrawn bulletin or advisory. |\n| CPPA amendment currentness | Read pertinent 2026 amendatory provisions and funding/effective clauses. | Did not generalize the result to all enforcement/remedy amendments. |\n| CFPB guidance register | Checked withdrawn-guidance entries before using any guidance theory. | Withdrawn contract/permissible-purpose materials excluded. |\n| Supreme Court initial route | https://www.supremecourt.gov/opinions/11pdf/10-948.pdf failed. | Recovered the published opinion through S014’s official GovInfo URL; no unchanged retry loop. |\n| D.C. official Doucette route | https://www.dccourts.gov/sites/default/files/2023-01/Doucette%20v%20Neutron%20Holdings%2021-CV-896.pdf returned an access failure. | Used the court-authored published opinion reproduced at S015; hosting limitation disclosed. |\n| Additional agency-opinion lead | https://www.dccourts.gov/sites/default/files/pdf-opinions/02-SP-241.PDF failed. | Not used as authority; no claim to have read that opinion. |\n| Mistyped/nonexistent POA locator | https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.04 did not yield authority. | No legal inference; relevant transition provision is the actually read § 21-2604.03. |\n| Alternate FAA locator | https://uscode.house.gov/us/usc/t9/s2/ failed. | Used the actually read versioned S012 URL. |\n| Wrong CFPB guidance path | https://www.consumerfinance.gov/compliance/supervisory-guidance/withdrawn-guidance/ did not supply the register. | Recovered the actual S018 register; wrong path not treated as absence of withdrawn guidance. |\n| PDF visual reads | S007: index31; S014: indexes3,9; S015:4,5,11; S016:8,13,19; S017:3,4,15. | These exact pages were visually inspected. Parsed text elsewhere is not described as visual inspection. |\n| P03 failed procedure/rule routes | Not rerun. | P03’s unresolved administrative-form/procedure findings preserved. |\n| Historical enforcement materials | Not used for new merits findings. | Complaints/consent resolutions not substituted for controlling law. |\n| Identifier/status searches | None performed. | No actual or hypothetical provider, license, account, borrower, property, roster or docket-status result. |\n\n## 12.2 Self-check\n\nThis was a researcher pass, **not independent review**. The source tables distinguish operative text, historical final-rule explanation, published judicial holdings, selected passages, and failed accesses.\n\nThe investigation establishes substantial document and authority requirements but does **not** establish:\n\n- a valid ready-to-sign D.C. debt-settlement agreement;\n- a mandatory current agency contract or cancellation form;\n- actual electronic consent, delivery, acknowledgment, agency authority, or customer execution;\n- a lawful consumer-fee amount, completed-service determination, or refund/retention calculation;\n- a universally valid choice-of-law, arbitration, assignment, or electronic-cancellation clause;\n- actual provider authorization or compliance.\n\nAll broader holds remain: access and territorial nexus; business/mixed-purpose and exclusions; fee amounts, earning and completion; current CCSO forms/category mapping/operative rule adoption; full funds/custody/transmission/security; BBL/foreign qualification; full remedies, collection, reporting, limitations, litigation, judgment and enforcement matters; secured and sector-specific debt; local, tribal and remaining contract/source questions.\n\n**Final disposition:** The statutory agreement architecture and the principal authority/electronic/cancellation distinctions are supported at the stated scope. Actual contract enforceability, refund outcomes, and operational readiness remain conditional. No component, state, A066, operational, or publication acceptance is implied.\n\nEND S_DC PASS-04.\n\n","tables":[{"headers":["Audit item","Requirement and exact authority","Generic proof needed","Failure or unresolved point"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit item","Requirement and exact authority","Generic proof needed","Failure or unresolved point"],["D01 — Precontract sequence","Information statement before the earlier event specified in § 28-4605(a).","Version of statement; evidence of delivery; execution and payment-event sequence.","A disclosure delivered after signing or payment does not satisfy the stated sequence merely because it is later acknowledged."],["D02 — Receipt acknowledgment","Consumer-signed acknowledgment retained three years, § 4605(a).","Signed acknowledgment tied to the delivered statement; retention record.","A generic “terms accepted” record may not identify the required statement."],["D03 — File-inspection rights","Complete and accurate explanation of the right to review the consumer-reporting agency’s file under FCRA, § 4605(b)(1).","Disclosure text and version.","A misleading statement of federal rights fails the accuracy requirement."],["D04 — D.C.’s 30-day wording","Statement addressing free file review requested within 30 days after credit-denial notice, § 4605(b)(2).","Required state content plus accurate explanation of current federal rights.","Federal § 1681j(b) supplies a 60-day adverse-action request period. Do not represent the federal right as expiring at day 30."],["D05 — Provider’s review charge","Approximate amount the CCSO will charge for reviewing the file outside the stated 30-day circumstance, § 4605(b)(3).","Accurate description of the provider’s proposed charge, if relevant.","This is not a statutory consumer-fee ceiling or necessarily a CRA charge. No amount is invented here."],["D06 — Provider-maintained file disputes","Right to dispute accuracy or completeness of a file maintained by the CCSO, as allowed by applicable law, § 4605(b)(4).","Disclosure retaining the actual statutory subject.","The statute says CCSO here; it should not silently be rewritten as CRA."],["D07 — Services and total charge","Complete, detailed services description and total amount charged, § 4605(b)(5).","Defined deliverables and complete compensation terms.","“Debt relief services” alone may omit the required detail. An unknown fee formula is not approved by this report."],["D08 — Security recovery right","Statement of the consumer’s right to recover under Chapter 46 bond/trust security, § 4605(b)(6).","Accurate description of applicable security and recovery right.","The relationship between this unconditional disclosure wording and § 4604’s pre-completion-payment security branch remains unresolved for a provider claiming no security obligation."],["D09 — Security identifiers","Trust depository/trustee names and addresses and account number, or surety name/address, bond account number and date, § 4605(b)(7).","Correct security information for the legally applicable branch.","Do not fabricate identifiers or substitute a consumer savings account for provider security. No automatic “not applicable” exception was authenticated."],["D10 — Direct CRA dispute right","Right to dispute directly with the CRA under FCRA, § 4605(b)(8).","Required statement.","Paid assistance cannot be described as the consumer’s only dispute route."],["D11 — Agreement execution","Agreement in writing, dated, and signed by consumer, § 4605(c).","Complete executed version; signature attribution and date.","A telephone sales conversation alone is not the required written agreement. Electronic equivalence requires the separate analysis below."],["D12 — All payment terms","Terms and total of all payments, including payments to the CCSO or another person, § 4605(c)(1).","Complete payment schedule and recipient categories.","No published authority was authenticated allowing an unidentified estimate to replace the statutory total where future creditor terms are unknown."],["D13 — Specific services","Detailed services, including specific detrimental credit information proposed to be remedied, § 4605(c)(2)(A).","Accurate service scope and relevant credit-information description.","Applying this credit-repair-oriented wording to negotiation-only services requires care; no administrative adaptation was verified."],["D14 — Refund promises","Any full or partial refund guarantee or promise, § 4605(c)(2)(B).","Exact promise and conditions.","A contractual promise may supplement statutory rights; it cannot silently eliminate them."],["D15 — Estimated completion","Estimated completion date or necessary duration, § 4605(c)(2)(C).","Stated estimate and its basis.","This requirement does not define when services are legally “completed” or fees earned."],["D16 — Business/agent information","Principal business address and registered agent’s name/address for service of process, § 4605(c)(3).","Accurate contract information.","The registered agent’s litigation role does not automatically make that person the exclusive cancellation recipient."],["D17 — Cancellation right","Accompanying notice of cancellation within five calendar days of signing, § 4605(d)(1).","Notice delivered with contract; execution event.","Do not substitute five business days, five days after payment, or five days after email opening."],["D18 — Cancellation method","Personal delivery of a signed, dated notice, or sending cancellation by certified mail, return receipt requested, to the CCSO, § 4605(d)(2).","Notice content; delivery or mailing evidence; usable recipient information.","Ordinary email is not automatically the statutory equivalent. The electronic-law interaction is discussed below."],["D19 — Reimbursement notice","Notice that reimbursement is due within 10 days of receipt of cancellation notice, § 4605(d)(3).","Receipt event and reimbursement documentation.","The section does not supply a complete amount calculation or expressly call these business days."],["D20 — Consumer copies","Information statement, contract, disclosure statement, cancellation notice, and other required documents, § 4605(e).","Copies of the versions actually delivered and evidence of accessibility.","Do not assume one undifferentiated enrollment page satisfies every named document requirement."]]},{"headers":["Act","Necessary authority or consent","What does not establish it automatically"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Act","Necessary authority or consent","What does not establish it automatically"],["Advise or negotiate","Actual engagement scope; any agency authority granted; applicable professional and consumer law.","Registration, a marketing label, or possession of consumer records."],["Bind the consumer to a creditor agreement","Consumer’s own assent, or valid state-law agency authority within its scope; creditor assent and applicable contract formalities.","Permission merely to discuss options or request an offer."],["Satisfy the TSR’s customer-execution fee condition","Customer execution of the specific qualifying creditor agreement, where § 310.4(a)(5) applies.","Blanket advance approval, acceptance thresholds, or provider execution under a power of attorney."],["Make a creditor payment","Applicable account/payment authority and the creditor agreement’s payment terms.","A provider’s authority to negotiate or quote a settlement."],["Debit a consumer account repeatedly","For covered preauthorized EFTs, signed or similarly authenticated written authorization by the consumer and a copy furnished to the consumer.","Oral permission given to a merchant alone, an unrelated service signature, or general data-sharing consent."],["Obtain a consumer report","A permissible FCRA purpose, including qualifying written consumer instructions where relied upon, and required certification.","A contract clause saying the provider may obtain “anything.”"],["Share confidential legal-client information","Applicable Rule 1.6 consent, implied authorization, or a specific exception.","Attorney affiliation or an unrestricted commercial release."],["Waive statutory rights or select dispute procedures","An enforceable provision that survives applicable nonwaiver, contract, and federal arbitration rules.","General consent to services or a broad power-of-attorney caption."]]},{"headers":["Audit item","Authority","Generic proof needed"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Audit item","Authority","Generic proof needed"],["E01 — Electronic-transaction agreement","UETA §§ 28-4904, 4908","Agreed scope/channel; identity and intent evidence."],["E02 — Accessible delivery","§§ 28-4907, 4911","Consumer-retainable version; no storage/printing inhibition; accessible retained record."],["E03 — Required method","§ 28-4907; E-SIGN §§ 7001(c)(2), 7002","Analysis of the particular notice’s method and verification requirements."],["E04 — Consumer e-consent","E-SIGN § 7001(c), where applicable","Consent disclosures, affirmative consent, access demonstration, scope, withdrawal/change records."],["E05 — Receipt","§ 28-4914","Destination/system evidence, transmission result, retrievability, and notice content."],["E06 — Electronic acknowledgment","§ 28-4910; POA § 21-2601.05","Authorized acknowledgment officer’s electronic act and required information—not just consumer click evidence."]]},{"headers":["Law and predicate","Trigger and operative period","Required act or consequence","Important boundary"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Law and predicate","Trigger and operative period","Required act or consequence","Important boundary"],["D.C. CCSOA cancellation","Within five calendar days of signing, § 4605(d)(1).","Accompanying cancellation notice; method in subsection (d)(2).","Not five business days and not triggered by first payment."],["D.C. reimbursement","Within 10 days of receipt of cancellation notice, § 4605(d)(3).","Consumer entitled to reimbursement.","Text does not provide a complete refund calculation, define “completion,” or expressly call these business days."],["CROA service-start restriction, if covered","No services before a compliant contract and expiration of the three-business-day period beginning on the date signed, § 1679d(a).","Delay service performance as required.","A waiting period is not authorization to collect an advance fee."],["CROA cancellation, if covered","Before midnight of the third business day beginning after execution, or after the event that would make the contract enforceable but for the provision, § 1679e(a).","Cancellation without penalty or obligation.","The trigger wording differs from § 1679d(a)."],["TSR qualifying account withdrawal, if covered","Consumer must receive owned funds, less qualifying earned fees, within seven business days of the request, § 310.4(a)(5)(ii)(E).","Withdrawal from the service without penalty; timely receipt of funds.","Not merely transfer initiation; not a general seven-day refund of every category of money."],["Regulation E stop-payment, if applicable","Notice to financial institution at least three business days before scheduled preauthorized transfer, § 1005.10(c).","Financial-institution stop-payment obligation; permitted written-confirmation procedure.","Separate from canceling the provider contract or creditor agreement."]]},{"headers":["Audit item","Required document or condition","Exact authority"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Audit item","Required document or condition","Exact authority"],["F01","Separate statutory consumer-credit-file-rights disclosure before contract execution.","§ 1679c(a)–(b)."],["F02","Consumer acknowledgment retained two years after signature. This is distinct from D.C.’s three-year acknowledgment requirement.","§ 1679c(b)."],["F03","Written, dated, consumer-signed contract containing payment terms, detailed services/guarantees and timing, and organization identification.","§ 1679d(a)–(b)."],["F04","Conspicuous statutory cancellation statement adjacent to the signature space.","§ 1679d(b)(4)."],["F05","Duplicate cancellation form containing the statutory notice and organization/deadline information.","§ 1679e(b)."],["F06","At signing, completed contract, disclosure, and other signed-document copies.","§ 1679e(c)."],["F07","No charge or receipt before full performance of the agreed service.","§ 1679b(b)."]]},{"headers":["Event","Established consequence or boundary","What remains dependent on missing documents or law"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event","Established consequence or boundary","What remains dependent on missing documents or law"],["Consumer rejects a proposed settlement","The rejected proposal does not satisfy the TSR’s customer-executed-agreement condition. A provider’s internal approval or blanket POA does not replace it.","Whether negotiation services otherwise create any lawful compensation entitlement; D.C. fee/completion questions remain held."],["Consumer cancels the provider agreement","Apply the relevant D.C./CROA cancellation provisions and, independently, any qualifying TSR account-withdrawal right.","Cancellation of the service does not itself prove rescission of a separate creditor agreement or forgiveness of the underlying debt."],["Provider fails promised performance","Compare the failure with the written service, timing, guarantee, and payment terms; deceptive representations and missing required terms can have statutory consequences.","No universal full-refund percentage, automatic retention right, or complete common-law remedy is established without the contract and material facts."],["Consumer misses a later creditor installment","The creditor agreement’s payment/default terms matter. The TSR’s first-payment rule does not rewrite creditor remedies.","Cure, acceleration, reinstatement of the original balance, release conditions, and treatment of previously earned fees cannot be assumed."],["Provider changes services or payment terms","A change notice is not itself proof of assent, an effective modification, or valid new debit authorization.","Whether a particular amendment requires new documents or restarts a statutory cancellation period remains fact- and provision-specific."],["Provider assigns the contract or changes entity","Current CPPA text includes merchant successors/assigns and preserves specified consumer claims and defenses against them.","This does not itself authorize assignment, novation, transfer of a POA, new debits, or unrestricted record sharing."],["Agent is replaced or authority revoked","POA successor/delegation and termination rules apply; express authority is required for specified redelegation.","A provider’s staffing change does not automatically designate a valid successor agent. Good-faith reliance without actual knowledge of termination is separately addressed by the Act."],["Lawyer is discharged or withdraws","Rule 1.16 addresses withdrawal, protection of the client, document/property return, and refund of advance amounts not earned or incurred.","Tribunal requirements and lawful fee disputes remain separate; no blanket retention entitlement follows from discharge."]]},{"headers":["Opinion","Holding and disposition actually used","Read extent and limits"],"index":6,"links":[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","text":"GovInfo\n+1"},{"href":"https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594","text":"Justia Law\n+2"},{"href":"https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf","text":"D.C. Circuit Court\n+2"},{"href":"https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236","text":"Justia Law\n+2"}],"row_links":[[],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","text":"GovInfo\n+1"}],[{"href":"https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594","text":"Justia Law\n+2"}],[{"href":"https://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf","text":"D.C. Circuit Court\n+2"}],[{"href":"https://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236","text":"Justia Law\n+2"}]],"rows":[["Opinion","Holding and disposition actually used","Read extent and limits"],["CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012)","The Supreme Court held that CROA does not preclude enforcement of a qualifying FAA arbitration agreement; reversed and remanded. The opinion expressly did not decide whether the defendants were covered credit-repair organizations.","Selected majority discussion, particularly printed pp. 98–104; screenshots at pp. 98 and 104. It does not validate every arbitration term, determine assent, or eliminate generally applicable contract defenses. \nGovInfo\n+1"],["Doucette v. Neutron Holdings, Inc., 288 A.3d 339 (D.C. 2023)","D.C. Court of Appeals affirmed compelling arbitration, rejecting the particular unconscionability challenge. It analyzed the challenged arbitration provision rather than declaring the entire service contract lawful.","Selected slip-opinion pp. 1–8, 12; visual pp. 5, 6, 12. It did not resolve the delegation issue or establish assent for every electronic contract. \nJustia Law\n+2"],["Walker v. Uber Technologies, Inc. (D.C. Cir. Aug. 28, 2026)","Affirmed denial of arbitration on the notice/formation facts involving a guest rider. The court did not finally decide whether inquiry notice alone satisfies D.C. law.","Selected slip pp. 2, 9–15, 19–20; visual pp. 9, 14, 20. Federal appellate application of D.C. law, not a D.C. Court of Appeals resolution of the reserved question. \nD.C. Circuit Court\n+2"],["Forrest v. Verizon Communications, Inc., 805 A.2d 1007 (D.C. 2002)","Adopted the modern approach to forum-selection clauses, applied reasonable-communication and reasonableness analysis, and affirmed dismissal under the particular Virginia forum clause.","Selected opinion text; visual slip pp. 4, 5, 16. This is not permission to evade Chapter 46 through any choice-of-law clause. Its underlying claims and contractual setting differ from CCSO services. \nJustia Law\n+2"]]},{"headers":["Source ID","Issuer/title and complete literal URL(s)","Exact pinpoints, version/effective status, and actual read limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer/title and complete literal URL(s)","Exact pinpoints, version/effective status, and actual read limits"],["S_DC-P4-S001","D.C. Council / Law Library — CCSOA, Chapter 46\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4601\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4603\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4604\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4605\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4606\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4607\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4608","Fresh operative bodies read; principal reliance 4601(1)–(3), 4603(1),(3)–(7), 4604(a)–(b), complete 4605(a)–(e), 4606(a)–(c), 4607 limited contract/remedy distinction, 4608 rule/form distinction. Section 4605 history: effective March 8, 1991; other sections have their own later histories. Same authority as P02-S001, freshly checked—not independent corroboration. No actual form, registration, or contract approval."],["S_DC-P4-S002","D.C. Council — UETA\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4901\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4902\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4903\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4904\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4905\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4906\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4907\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4908\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4910\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4911\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-4914","Fresh listed bodies; definitions, scope/exclusions, agreed electronic transactions, recognition, writing/delivery, attribution, acknowledgment, retention, sending/receipt. § 4903 applies to records/signatures on or after October 3, 2001; individual histories include later technical corrections. Not a complete UETA case-law or remote-notarization review."],["S_DC-P4-S003","D.C. Council — Uniform Power of Attorney Act\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.02\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.03\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.05\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.06\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.07\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.10\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.11\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.14\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2601.19\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2602.01\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2602.08\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2602.12\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2604.02\nhttps://code.dccouncil.gov/us/dc/council/code/sections/21-2604.03","Fresh selected statutory bodies: definition/scope; execution/validity; designated law; termination/successors/duties; reliance; express delegation; banking/claims authority; E-SIGN savings; transition. Enacted effective February 23, 2023, Law 24-236 § 2(d). Earlier/out-of-state instruments expressly require separate treatment. No actual POA or acknowledgment examined."],["S_DC-P4-S004","U.S. House OLRC — E-SIGN\nhttps://uscode.house.gov/us/usc/119-134/t15/s7001/\nhttps://uscode.house.gov/us/usc/119-134/t15/s7002/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7003/\nhttps://uscode.house.gov/us/usc/119-118/t15/s7006/","Fresh 7001(a)–(e), 7002, 7003, relevant 7006 definitions. The 119-134 pages displayed currency through P.L. 119-134, October 20, 2026; the other route displayed through P.L. 119-120, October 7, 2026. These are publication bounds, not a fresh complete review of intervening legislation. Interstate-commerce and consumer predicates; statutory exclusions retained."],["S_DC-P4-S005","U.S. House OLRC — CROA\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679a/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679b/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1679c/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1679d/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1679e/\nhttps://uscode.house.gov/us/usc/119-134/t15/s1679f/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1679j/","Fresh definitions/exclusions; 1679b(b); complete relevant disclosure/contract/cancellation text in c–e; f; j. Same OLRC publication bounds as S004. Enacted 1996; statutory applicability note retained. No provider-specific coverage decision; no invented business-day calendar."],["S_DC-P4-S006","FTC / eCFR — TSR, 16 C.F.R. Part 310\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Fresh selected definitions, 310.3(a)(1), (a)(2)(x), (a)(3); 310.4(a)(2), (a)(5)(i)–(ii), (a)(7); 310.6(b)(3),(5),(6). Title displayed current through October 23, 2026. Title-level update is not section effective date. Applicable telemarketing/FTC jurisdiction and exceptions remain conditional."],["S_DC-P4-S007","FTC — 2010 TSR final rule and statement of basis and purpose\nhttps://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule\nhttps://www.govinfo.gov/content/pkg/FR-2010-08-10/pdf/2010-19412.pdf","Fresh selected III.C.5.a, printed 75 FR 48489 / PDF index 31, including footnotes 427–433; visually inspected. Selected effective-date discussion read. Debt-relief advance-fee provision effective October 27, 2010. Historical final-rule explanation read alongside current S006; not a whole 66-page visual review."],["S_DC-P4-S008","CFPB — Regulation E and official interpretations\nhttps://www.consumerfinance.gov/rules-policy/regulations/1005/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1005/3/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1005/10/","Fresh 1005.2(b),(k); 1005.3(a), relevant coverage; 1005.10(b)–(d) and relevant official comments, particularly authorization/consumer copy and stop-payment. Pages label themselves current regulation. Full amendment chronology and all account exclusions not independently reconstructed. Not reliance on withdrawn guidance."],["S_DC-P4-S009","U.S. House OLRC — FCRA selected provisions\nhttps://uscode.house.gov/us/usc/119-134/t15/s1681b/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681j/","Fresh 1681b(a)(2),(f); 1681j(b). Publication bounds as S004. Permissible-purpose and free-disclosure interface only; not full FCRA/privacy/redisclosure coverage."],["S_DC-P4-S010","D.C. Council — CPPA and 2026 amending law\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-3901\nhttps://code.dccouncil.gov/us/dc/council/code/sections/28-3904\nhttps://code.dccouncil.gov/us/dc/council/laws/26-187","Fresh 3901(a)(2)–(3), especially (3)(C)(ii); 3904(a)(5)–(7),(20)–(21),(25),(29), (b)(3); Law 26-187 §§ 4(b),4(f),6,8. Relevant amendments effective September 26, 2026; listed funding condition does not include 4(b)/4(f). No full enforcement/remedies or professional-services coverage decision."],["S_DC-P4-S011","D.C. Bar — published D.C. Rules of Professional Conduct\nhttps://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/scope-of-representation\nhttps://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/confidentiality-of-information\nhttps://www.dcbar.org/for-lawyers/legal-ethics/rules-of-professional-conduct/client-lawyer-relationship/declining-or-terminating-representation","Fresh Rules 1.2(a),(c) and relevant comments; 1.6(a),(e),(g); 1.16(a)(3),(c),(d), comments 4,11–12. Published pages identify relevant amendments effective September 15, 2025; underlying adoption order not separately inspected. No lawyer-status lookup."],["S_DC-P4-S012","U.S. House OLRC — FAA § 2\nhttps://uscode.house.gov/us/usc/119-121/t9/s2/","Fresh full operative § 2. Page displayed currency through P.L. 119-121, October 9, 2026. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated."],["S_DC-P4-S013","D.C. Council — Arbitration agreement validity\nhttps://code.dccouncil.gov/us/dc/council/code/sections/16-4406","Fresh (a)–(d). Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier."],["S_DC-P4-S014","U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95\nhttps://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","Published January 10, 2012 opinion; selected majority pp. 97–104 and disposition; visual p. 98/PDF 3, p. 104/PDF 9. Reversal/remand; coverage reserved in footnote 1. No full later-history certification."],["S_DC-P4-S015","D.C. Court of Appeals — Doucette opinion, reproduced by Justia\nhttps://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html\nhttps://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594","Published January 26, 2023; 288 A.3d 339. Selected slip pp. 1–8,12; visual 5/PDF4, 6/PDF5, 12/PDF11. Court-authored opinion, third-party reproduction; official-host attempt failed. Not an enforcement record or docket search."],["S_DC-P4-S016","U.S. Court of Appeals, D.C. Circuit — Walker v. Uber Technologies\nhttps://media.cadc.uscourts.gov/opinions/docs/2026/08/24-7154-2190369.pdf","Published August 28, 2026; selected slip pp. 2,9–15,19–20; visual 9/PDF8, 14/PDF13, 20/PDF19. Affirmed denial of arbitration; inquiry-notice sufficiency not finally decided. No subsequent docket-status inquiry."],["S_DC-P4-S017","D.C. Court of Appeals — Forrest opinion, reproduced by Justia\nhttps://law.justia.com/cases/district-of-columbia/court-of-appeals/2002/01-cv-1101-5.html\nhttps://cases.justia.com/district-of-columbia/court-of-appeals/01-cv-1101-5.pdf?ts=1462314236","Published August 29, 2002; 805 A.2d 1007. Selected formation/forum/scope analysis and disposition; visual 4/PDF3, 5/PDF4, 16/PDF15. Affirmed dismissal; not a CCSOA choice-of-law holding."],["S_DC-P4-S018","CFPB — Withdrawn guidance register\nhttps://www.consumerfinance.gov/compliance/guidance/withdrawn-guidance/","Fresh relevant entries: contract-terms circular and FCRA permissible-purpose advisory withdrawn May 12, 2025. Register update date is not the legal effective date of underlying statutes/regulations. Used to exclude withdrawn guidance, not as affirmative contract authority."]]},{"headers":["Claim ID","Precise assertion","Sources and exact pinpoints","Conditions and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and exact pinpoints","Conditions and limits"],["S_DC-P4-C001","Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved.","S001, §§ 4601, 4606(b).","Consumer purpose, actor and nexus remain conditional."],["S_DC-P4-C002","Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years.","S001, § 4605(a).","Not satisfied merely by later disclosure."],["S_DC-P4-C003","The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file.","S001, § 4605(b)(1)–(4).","Preserve actual statutory subjects."],["S_DC-P4-C004","FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording.","S009, § 1681j(b); S001, § 4605(b)(2)–(3).","No approved substitute form inferred."],["S_DC-P4-C005","Detailed services and total charge must be disclosed.","S001, § 4605(b)(5).","No fee formula or amount approved."],["S_DC-P4-C006","Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved.","S001, §§ 4605(b)(6)–(7),4604.","No invented security or omission exception."],["S_DC-P4-C007","Direct CRA dispute rights must be disclosed.","S001, § 4605(b)(8).","Does not complete a full FCRA analysis."],["S_DC-P4-C008","Covered service agreements must be written, dated and consumer-signed.","S001, § 4605(c).","Electronic satisfaction requires separate predicates."],["S_DC-P4-C009","Payment terms include the total of payments to the provider or another person.","S001, § 4605(c)(1).","Unknown future-payment treatment not resolved."],["S_DC-P4-C010","Agreement contents include detailed services, proposed credit-information remedies, refund promises and estimated completion.","S001, § 4605(c)(2).","No legal definition of completion supplied."],["S_DC-P4-C011","Principal business and registered-agent information is required.","S001, § 4605(c)(3).","Service-of-process role is not automatic cancellation exclusivity."],["S_DC-P4-C012","The accompanying cancellation notice must state five calendar days from signing and the specified personal/certified-mail methods.","S001, § 4605(d)(1)–(2).","No automatic ordinary-email equivalence."],["S_DC-P4-C013","The notice must state reimbursement within ten days of cancellation-notice receipt.","S001, § 4605(d)(3).","Amount, detailed counting, and payment mechanics not fully specified."],["S_DC-P4-C014","Consumer copies of the listed documents are required; no current administrative form is established here.","S001, §§ 4605(e),4608; carried P03 gap.","Statutory content is not agency-form approval."],["S_DC-P4-C015","Negotiation, settlement acceptance, account control and data consent require distinct authority analysis.","S003, S006–S009, S011.","No actual instrument supplied."],["S_DC-P4-C016","A covered new D.C. POA requires signature and acknowledgment.","S003, §§ 21-2601.02–.03,.05.","Not every service contract is a POA."],["S_DC-P4-C017","Prior/out-of-state instruments and electronic acknowledgment have separate validity rules.","S003, §§ .06,21-2604.03; S002, § 4910.","No complete remote-notarial procedure investigated."],["S_DC-P4-C018","Properly granted state-law powers can include claims settlement and banking acts.","S003, §§ 21-2602.08,.12.","Scope and limitations control; federal predicates remain."],["S_DC-P4-C019","A provider POA cannot replace customer execution of the specific creditor agreement for the TSR fee condition.","S006, § 310.4(a)(5)(i)(A); S007, 75 FR 48489.","Conditional TSR coverage; not a universal invalidity rule for agency settlements."],["S_DC-P4-C020","Customer payment must satisfy the actual agreement; artificial subdivision of a required lump sum is insufficient.","S006, § 310.4(a)(5)(i)(B); S007, p. 48489 and n.432.","DMP discussion is separately conditional; allocation still matters."],["S_DC-P4-C021","Covered recurring EFTs need consumer-authenticated written authorization and a copy; stop-payment is distinct from debt cancellation.","S008, §§ 1005.2(b),(k),1005.10(b)–(c).","Consumer-account and transfer coverage required."],["S_DC-P4-C022","Obtaining/using a consumer report requires a permissible FCRA purpose and applicable certification.","S009, § 1681b(a)(2),(f).","Not blanket privacy or redisclosure permission."],["S_DC-P4-C023","Lawyers must respect client settlement decisions and applicable confidentiality restrictions.","S011, Rules 1.2(a),1.6.","Actual lawyer/client relationship not established."],["S_DC-P4-C024","UETA recognition does not eliminate agreement, intent, attribution, scope, or excluded-transaction requirements.","S002, §§ 4901–4908.","Context and evidence matter."],["S_DC-P4-C025","Required electronic records must meet retainability and retention conditions.","S002, §§ 4907,4911.","A transient or blocked-access page may be insufficient."],["S_DC-P4-C026","Specified notice methods are not automatically erased by electronic-signature law.","S002, § 4907; S004, §§ 7001(c)(2),7002.","Exact CCSO email-cancellation interaction unresolved."],["S_DC-P4-C027","Electronic receipt can occur without human awareness but requires the statutory system/processing facts.","S002, § 4914.","Sending or acknowledgment does not prove every receipt/content issue."],["S_DC-P4-C028","E-SIGN coverage and exclusions must be tested separately from UETA.","S004, §§ 7001,7003,7006.","No universal coverage of every notice."],["S_DC-P4-C029","Covered consumer e-disclosures require the § 7001(c) consent/access framework.","S004, § 7001(c)(1)–(2).","State UETA interaction must also be considered."],["S_DC-P4-C030","Withdrawal and retention rules do not automatically invalidate all earlier compliant electronic acts.","S004, § 7001(c)(3)–(4),(d)–(e).","Limited statutory safe language is not a general cure."],["S_DC-P4-C031","State UETA’s relation to E-SIGN prevents a one-rule-fits-all statement for every state writing.","S004, § 7002; S003, § 21-2604.02.","Precise method/preemption disputes remain held."],["S_DC-P4-C032","CROA coverage and exclusions differ from Chapter 46; there is no matching blanket attorney exclusion.","S005, § 1679a(3).","Actual representations, consideration and actor facts required."],["S_DC-P4-C033","CROA requires its separate disclosure and two-year signed acknowledgment retention.","S005, § 1679c.","Do not collapse into an undifferentiated contract."],["S_DC-P4-C034","CROA requires specified contract terms, cancellation materials and completed copies.","S005, §§ 1679d(b),1679e(b)–(c).","Not a universal D.C. form."],["S_DC-P4-C035","CROA’s service-start period begins on signing under § 1679d(a).","S005, § 1679d(a).","No actual business-day computation made."],["S_DC-P4-C036","CROA cancellation uses the after-execution/otherwise-enforceable trigger in § 1679e(a).","S005, § 1679e(a).","Separate from the service-start wording."],["S_DC-P4-C037","CROA’s form text and operative business-day right use different wording.","S005, § 1679e(a)–(b).","No shortening of the operative right or approved form rewrite."],["S_DC-P4-C038","CROA prohibits charge/receipt before full agreed-service performance.","S005, § 1679b(b).","Waiting-period expiration or D.C. security is not an exception."],["S_DC-P4-C039","Qualifying TSR account withdrawal requires receipt within seven business days of request, less only fees satisfying all (i)(A)–(C) predicates.","S006, § 310.4(a)(5)(ii)(E).","Independent state/contract entitlement still necessary."],["S_DC-P4-C040","TSR coverage depends on the sales process and applicable exceptions.","S006, §§ 310.2,310.6(b)(3),(5),(6).","Web, telephone and face-to-face channels are not interchangeable."],["S_DC-P4-C041","Covered sales require specified pre-consent disclosures; credit-repair timing has a separate TSR provision.","S006, §§ 310.3(a)(1),310.4(a)(2).","No full federal overview or universal coverage claim."],["S_DC-P4-C042","Canceling the provider contract does not itself establish rescission of a separate creditor agreement or debt forgiveness.","S001 § 4605; S005 § 1679e; S006 § 310.4(a)(5).","Separate agreement, parties, release and performance terms control."],["S_DC-P4-C043","A rejected proposal does not satisfy customer execution for covered TSR fee earning.","S006, § 310.4(a)(5)(i)(A); S007 p.48489.","Other compensation questions remain held."],["S_DC-P4-C044","A later creditor-installment default does not establish automatic fee retention, clawback, release or balance reinstatement.","S006; actual creditor/provider terms absent.","These outcomes are unresolved, not affirmatively prohibited in every case."],["S_DC-P4-C045","CPPA successor/assign provisions preserve specified claims/defenses; POA delegation/succession remains separate.","S010 § 3901(a)(3)(C)(ii); S003 §§ .11,21-2602.01(a)(5).","No assignment or novation approved."],["S_DC-P4-C046","POA termination and good-faith action without actual knowledge have distinct rules.","S003, § 21-2601.10.","Revocation notice and actual knowledge are factual issues."],["S_DC-P4-C047","Lawyer termination entails client-protection and unearned/unincurred advance-return duties.","S011, Rule 1.16(a)(3),(c)–(d).","Subject to applicable tribunal and lawful dispute rules."],["S_DC-P4-C048","Chapter 46 prohibits waiver but § 4606 does not automatically void all noncompliant contracts.","S001, §§ 4603(6),4606,4607.","Full illegality/remedies analysis remains separate."],["S_DC-P4-C049","CROA expressly voids noncompliant covered contracts and prohibits waiver.","S005, § 1679f.","Coverage must first be established."],["S_DC-P4-C050","Current CPPA contract-related prohibitions and successor language are in amendments not subject to the identified funding condition.","S010, Law26-187 §§4(b),4(f),6; §§3901,3904.","Other amendment provisions not resolved."],["S_DC-P4-C051","CROA does not categorically preclude FAA arbitration, but valid agreement and applicable defenses remain necessary.","S012 §2; S014 pp.98–104.","CompuCredit reserved coverage."],["S_DC-P4-C052","Doucette rejected the particular arbitration unconscionability challenge, not every possible contract objection.","S015, slip pp.5–6,12.","Delegation/formation limits preserved."],["S_DC-P4-C053","Walker distinguishes notice/formation from mere use or message receipt and reserves the inquiry-notice sufficiency question.","S016, slip pp.9,14,20.","Federal application of D.C. law on particular facts."],["S_DC-P4-C054","Forrest supports case-specific forum enforcement, not universal evasion of D.C. protective statutes.","S017, slip pp.4–5,16.","Choice-of-law/public-policy application to CCSOs unresolved."],["S_DC-P4-C055","POA predispute jury-waiver restrictions require separate FAA/preemption analysis before applying to arbitration.","S003 §§21-2601.19(g),21-2602.12; S012.","No blanket arbitration conclusion."],["S_DC-P4-C056","Withdrawn CFPB guidance was not used as operative contract or permissible-purpose authority.","S018; operative S008–S010 instead.","Register check is not a complete guidance-history survey."],["S_DC-P4-C057","Current prescribed administrative CCSO contract/forms and implementation rules remain unauthenticated.","Carried P03 finding; S001 §4608.","No failed-route rerun or absence inference."],["S_DC-P4-C058","No actual refund amount, lawful fee-retention amount, or completed-service determination is established.","Missing contracts/ledger; S001,S005–S008.","Distinguish money categories and avoid duplicate recovery arithmetic."]]},{"headers":["Assigned subquestion","Status","Claims / models","Exact missing evidence or next bounded investigation"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subquestion","Status","Claims / models","Exact missing evidence or next bounded investigation"],["Each § 4605 precontract disclosure","Answered at statutory level","C002–C007; D01–D10","Actual document compliance requires the exact disclosure version and delivery sequence."],["Signed acknowledgment and retention","Answered","C002; D02","Generic proof category identified; no actual record examined."],["Written/detailed service agreement","Answered at statutory level","C008–C011; D11–D16","Actual terms and future-payment treatment remain unknown."],["Cancellation notice contents/method","Answered in text; electronic application partial","C012–C013; D17–D19","Published authority resolving § 4605(d)(2) electronic substitution."],["Copies and accessibility","Answered conditionally","C014,C025","Exact versions, delivery and accessibility facts."],["State 30-day versus federal 60-day disclosure","Partial reconciliation","C003–C004","Approved interpretive guidance or controlling opinion on compliant combined disclosure wording."],["Security-disclosure/no-security branch","Unresolved interpretation","C006","Published rule/opinion addressing § 4605(b)(6)–(7) when no pre-completion money is received."],["Mandatory administrative agreement/form","Unresolved; preserved","C014,C057","Authenticated adopted rule/form; no P03 failed-route rerun."],["Negotiation versus settlement authority","Answered in legal distinctions","C015–C019; M01","Actual engagement and agency instrument."],["POA execution/acknowledgment","Answered for specified statutory branches","C016–C018","Execution location/date, applicable exclusion and acknowledgment facts; remote-notarial details if material."],["Customer execution under TSR","Answered conditionally","C019; M01","Specific agreement, customer act, legal validity, TSR coverage."],["Payment trigger and bona fide installments","Answered conditionally","C020; M01–M02","Creditor-required payment structure and actual payment evidence."],["Recurring debit consent/stop-payment","Answered conditionally","C021","Account/transfer classification and authorization record; one-time-payment issues remain separate."],["Record access/sharing","Partial","C022–C023","Actual purpose and scope; broader privacy/redisclosure laws not comprehensively investigated."],["UETA scope, agreement and attribution","Answered in text","C024","Actual electronic interaction and identity evidence."],["Electronic retainability/record retention","Answered in text","C025","Actual file, access conditions and retention system."],["Electronic notice receipt","Answered in text; factual use unresolved","C027","Designated system, processability, retrievability, content and transmission result."],["E-SIGN consent, withdrawal and paper options","Answered conditionally","C028–C031","Actual consent sequence; precise state-UETA interaction for disputed notices."],["Telephone/web/face-to-face differences","Partial, relevant rules identified","C040–C041","Actual sales flow; no assumption that one channel establishes or removes all coverage."],["D.C. five-calendar-day cancellation trigger","Answered","C012","Actual signing event and method evidence needed for application."],["D.C. ten-day reimbursement trigger","Answered in text","C013","Receipt event, legally applicable computation rule, amount and payment proof."],["Complete D.C. reimbursement formula","Unresolved","C013,C058","Contract, consideration/service history, and applicable interpretation; no fee modeling here."],["CROA coverage and actor exclusions","Answered in text; application conditional","C032","Representations, consideration and exact exclusion facts."],["CROA separate statement/contract/copies","Answered","C033–C034; F01–F06","Actual completed documents; no substitute form approved."],["CROA service-start clock","Answered in text","C035; M03","Business-day calendar and actual signing facts before any dated calculation."],["CROA cancellation/enforceability trigger","Answered in text","C036; M03","Execution/enforceability event and applicable counting."],["CROA notice wording discrepancy","Partial","C037","No approved corrective form or controlling interpretation authenticated."],["CROA pre-performance fee restriction","Answered conditionally","C038","Coverage and actual full performance; no state-security exception."],["TSR seven-business-day receipt requirement","Answered conditionally","C039; M02","Account conditions, request, actual receipt, and all earned-fee predicates."],["Provider termination versus creditor release","Answered as distinction; outcome unresolved","C042","Creditor agreement, release, payment and rescission terms."],["Rejected settlement proposal","Answered for TSR predicate","C043; M01","Other state/contract compensation consequences remain held."],["Failed performance and refund promises","Partial","C010,C048–C050,C058","Actual promise, material breach facts and focused remedy authority if later assigned."],["Failed creditor installment","Unresolved outcome","C044","Default, cure, acceleration, release and fee provisions; no automatic inference."],["Provider service/term changes","Partial","C024,C029,C045","Modification terms and assent; whether new statutory clocks attach to a particular change."],["Assignment/replacement provider","Partial","C045–C046","Assignment/novation terms, agency succession, consent and notice facts."],["Attorney discharge/termination","Answered in rule text","C023,C047","Actual attorney relationship, tribunal involvement and fee/property status."],["Nonwaiver and automatic voidness","Answered with distinction","C048–C049","Common-law illegality/rescission and full remedies remain outside this pass."],["Choice of law/forum","Partial","C054","Actual clause, nexus and applicable conflicts/public-policy analysis."],["Arbitration/POA restrictions","Partial","C051–C055","Actual assent, clause, delegation and FAA-preemption issues; no full arbitration dossier."],["Current CPPA contract-related prohibitions","Answered at selected-provision level","C050","Actual consumer/merchant/professional-service coverage remains conditional."],["Opinion posture and read limits","Answered","C051–C054; S014–S017","Comprehensive later-history/citator work not performed."],["Actual provider/contract approval","Excluded","All models","No actual provider, agreement or authorization facts supplied or searched."],["Remaining state-parent/A066 categories","Excluded and preserved","C057–C058","Later authorized passes; no acceptance by implication."]]},{"headers":["Log item","Actual action/result","Evidentiary treatment"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Log item","Actual action/result","Evidentiary treatment"],["Chapter 46 relevant bodies","Freshly read § 4605 in full and necessary definitions/adjacent conditions.","New contract findings supported; no access/procedure rerun."],["UETA, POA, E-SIGN, CROA","Read the listed statutory bodies and selected operative subsections.","No assertion that every related statute, rule or opinion was reviewed."],["TSR/current federal sources","Read current specified eCFR provisions and final-rule explanation; inspected the pertinent final-rule PDF page.","Historical preamble distinguished from current codified rule."],["Regulation E/FCRA","Read operative provisions and relevant official interpretations.","No reliance on a withdrawn bulletin or advisory."],["CPPA amendment currentness","Read pertinent 2026 amendatory provisions and funding/effective clauses.","Did not generalize the result to all enforcement/remedy amendments."],["CFPB guidance register","Checked withdrawn-guidance entries before using any guidance theory.","Withdrawn contract/permissible-purpose materials excluded."],["Supreme Court initial route","https://www.supremecourt.gov/opinions/11pdf/10-948.pdf failed.","Recovered the published opinion through S014’s official GovInfo URL; no unchanged retry loop."],["D.C. official Doucette route","https://www.dccourts.gov/sites/default/files/2023-01/Doucette%20v%20Neutron%20Holdings%2021-CV-896.pdf returned an access failure.","Used the court-authored published opinion reproduced at S015; hosting limitation disclosed."],["Additional agency-opinion lead","https://www.dccourts.gov/sites/default/files/pdf-opinions/02-SP-241.PDF failed.","Not used as authority; no claim to have read that opinion."],["Mistyped/nonexistent POA locator","https://code.dccouncil.gov/us/dc/council/code/sections/21-2604.04 did not yield authority.","No legal inference; relevant transition provision is the actually read § 21-2604.03."],["Alternate FAA locator","https://uscode.house.gov/us/usc/t9/s2/ failed.","Used the actually read versioned S012 URL."],["Wrong CFPB guidance path","https://www.consumerfinance.gov/compliance/supervisory-guidance/withdrawn-guidance/ did not supply the register.","Recovered the actual S018 register; wrong path not treated as absence of withdrawn guidance."],["PDF visual reads","S007: index31; S014: indexes3,9; S015:4,5,11; S016:8,13,19; S017:3,4,15.","These exact pages were visually inspected. Parsed text elsewhere is not described as visual inspection."],["P03 failed procedure/rule routes","Not rerun.","P03’s unresolved administrative-form/procedure findings preserved."],["Historical enforcement materials","Not used for new merits findings.","Complaints/consent resolutions not substituted for controlling law."],["Identifier/status searches","None performed.","No actual or hypothetical provider, license, account, borrower, property, roster or docket-status result."]]}],"claims":[{"claim_id":"S_DC-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C001","Precise assertion":"Chapter 46 agreement requirements apply only after coverage and any claimed exclusion are resolved.","Sources and exact pinpoints":"S001, §§ 4601, 4606(b).","Conditions and limits":"Consumer purpose, actor and nexus remain conditional."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_source_currentness_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_DC-P4-C001","original_visible_claim_id":"S_DC-P4-C001","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_conditions_and_holds_retained":true,"linked_audit_F02_citation_only_UNSENT":[],"claim_itself_wrong":false,"FCRAcurrentbody_reverification_hold":false}},{"claim_id":"S_DC-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C002","Precise assertion":"Required information precedes the earlier of execution or receipt of consideration; signed acknowledgment is retained three years.","Sources and exact pinpoints":"S001, § 4605(a).","Conditions and limits":"Not satisfied merely by later disclosure."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_source_currentness_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_DC-P4-C002","original_visible_claim_id":"S_DC-P4-C002","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_conditions_and_holds_retained":true,"linked_audit_F02_citation_only_UNSENT":[],"claim_itself_wrong":false,"FCRAcurrentbody_reverification_hold":false}},{"claim_id":"S_DC-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C003","Precise assertion":"The first four information-statement items concern file access, the stated 30-day circumstance, provider review charge, and disputes concerning the provider-maintained file.","Sources and exact pinpoints":"S001, § 4605(b)(1)–(4).","Conditions and limits":"Preserve actual statutory subjects."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_source_currentness_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_DC-P4-C003","original_visible_claim_id":"S_DC-P4-C003","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_conditions_and_holds_retained":true,"linked_audit_F02_citation_only_UNSENT":[],"claim_itself_wrong":false,"FCRAcurrentbody_reverification_hold":false}},{"claim_id":"S_DC-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C004","Precise assertion":"FCRA’s specified adverse-action free-disclosure period is 60 days, creating a mismatch with D.C.’s 30-day wording.","Sources and exact pinpoints":"S009, § 1681j(b); S001, § 4605(b)(2)–(3).","Conditions and limits":"No approved substitute form inferred."},"coordinator_verification_status":"scoped_record_reconciliation_FCRA_reverification_hold","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_DC-P4-C004","original_visible_claim_id":"S_DC-P4-C004","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,9],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_conditions_and_holds_retained":true,"linked_audit_F02_citation_only_UNSENT":[],"claim_itself_wrong":false,"FCRAcurrentbody_reverification_hold":true}},{"claim_id":"S_DC-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C005","Precise assertion":"Detailed services and total charge must be disclosed.","Sources and exact pinpoints":"S001, § 4605(b)(5).","Conditions and limits":"No fee formula or amount approved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_source_currentness_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_DC-P4-C005","original_visible_claim_id":"S_DC-P4-C005","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_conditions_and_holds_retained":true,"linked_audit_F02_citation_only_UNSENT":[],"claim_itself_wrong":false,"FCRAcurrentbody_reverification_hold":false}},{"claim_id":"S_DC-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_DC-P4-C006","Precise assertion":"Security-right and identifier disclosures appear in § 4605; treatment of a claimed no-security branch remains unresolved.","Sources and exact pinpoints":"S001, §§ 4605(b)(6)–(7),4604.","Conditions and limits":"No invented security or omission exception."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_source_currentness_contract_application_holds","coordinator_review":"[internal evidence 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otherfundedprovisionsheld","evidence":[{"source_id":"S_DC-P4-S010","actual_URL":"https://code.dccouncil.gov/us/dc/council/laws/26-187","packet":"[internal evidence 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No lawyer-status lookup."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_DC-P4-S011","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"linked_UNSENT_findings":[],"status":"Recordreconciled_underlyingbodyunreopened","all_current_primary_source_accepted":false,"original_failures_secondary_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_DC-P4-S012","urls":["https://uscode.house.gov/us/usc/119-121/t9/s2/"],"researcher_record":{"Source ID":"S_DC-P4-S012","Issuer/title and complete literal URL(s)":"U.S. House OLRC — FAA § 2\nhttps://uscode.house.gov/us/usc/119-121/t9/s2/","Exact pinpoints, version/effective status, and actual read limits":"Fresh full operative § 2. Page displayed currency through P.L. 119-121, October 9, 2026. Commerce, written agreement, general defenses and statutory exceptions retained; no actual clause evaluated."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_DC-P4-S012","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"linked_UNSENT_findings":[],"status":"Recordreconciled_underlyingbodyunreopened","all_current_primary_source_accepted":false,"original_failures_secondary_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_DC-P4-S013","urls":["https://code.dccouncil.gov/us/dc/council/code/sections/16-4406"],"researcher_record":{"Source ID":"S_DC-P4-S013","Issuer/title and complete literal URL(s)":"D.C. Council — Arbitration agreement validity\nhttps://code.dccouncil.gov/us/dc/council/code/sections/16-4406","Exact pinpoints, version/effective status, and actual read limits":"Fresh (a)–(d). Current codified body; not a complete FAA-preemption, delegation, or arbitration dossier."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_DC-P4-S013","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"linked_UNSENT_findings":[],"status":"Recordreconciled_underlyingbodyunreopened","all_current_primary_source_accepted":false,"original_failures_secondary_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_DC-P4-S014","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"],"researcher_record":{"Source ID":"S_DC-P4-S014","Issuer/title and complete literal URL(s)":"U.S. Supreme Court / GovInfo — CompuCredit, 565 U.S. 95\nhttps://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","Exact pinpoints, version/effective status, and actual read limits":"Published January 10, 2012 opinion; selected majority pp. 97–104 and disposition; visual p. 98/PDF 3, p. 104/PDF 9. Reversal/remand; coverage reserved in footnote 1. No full later-history certification."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_DC-P4-S014","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"linked_UNSENT_findings":[],"status":"Recordreconciled_underlyingbodyunreopened","all_current_primary_source_accepted":false,"original_failures_secondary_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_DC-P4-S015","urls":["https://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html","https://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594"],"researcher_record":{"Source ID":"S_DC-P4-S015","Issuer/title and complete literal URL(s)":"D.C. Court of Appeals — Doucette opinion, reproduced by Justia\nhttps://law.justia.com/cases/district-of-columbia/court-of-appeals/2023/21-cv-896.html\nhttps://cases.justia.com/district-of-columbia/court-of-appeals/2023-21-cv-896.pdf?ts=1674743594","Exact pinpoints, version/effective status, and actual read limits":"Published January 26, 2023; 288 A.3d 339. Selected slip pp. 1–8,12; visual 5/PDF4, 6/PDF5, 12/PDF11. Court-authored opinion, third-party reproduction; official-host attempt failed. 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