{"meta":{"key":"s_il--pass-02","task":"S_IL","title":"SIL Targeted statutory and fee-rule evidence recovery","parent_title":"Illinois debt and debt relief law","edition":"pass-02","path":"/research/s_il--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":12,"claims":16,"sources":4,"review_status":"revise","review_complete":true,"sha256":"a77d6b72595dd3c0244911b6f813ec2ec0ce3da57858e763f557cddea8f3b0b9","headings":["Result and acceptance boundary","1. Section 125: original operative wording recovered; current version not cleared","2. Section 135: the refund language is now supported by a primary enactment","Cancellation and refund triggers","Five-business-day deadline: preserve the exact anchor","“Application fee” is not automatically interchangeable with “enrollment fee”","3. Section 145(9)–(10): two distinct restrictions were recovered","4. Section 78 and P.A. 104-520: enactment established; exact scope still held","What fresh primary material establishes","What was not recovered","Enactment is not a numerical fee change","5. Actual adopted 2026 rule examined: administrative hearings","6. DMSA §12 and cancellation: no fresh statutory recovery","D1. Freshly checked discovery aids — not operative fee authority","D2. Earlier evidence reused with attribution — not fresh PASS-02 reading"],"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_IL/pass-02","facets":{"geography":["us","us-il"],"debt_type":[],"stage":["origination"],"subject":["fees-outcomes"]},"scope":"Recover exactcurrentprimary225ILCS429§§125,135,145(9)-(10),78 and relevantP.A.104-520operativeclauses/effectiveauthority. Distinguishactualenactmentfromnumericalfeechange; resolvefive-business-dayrefund/applicationfee wording and thirdpartycompensation. Checkanyactualadopted2026feechangerule. Recover205ILCS665§12 for cancellation. Suppliedsecondary135notclearedprimary; coordinatorILGA502andoperationalpagescannotverifycaps. Nofullclassification/federaloverview. PreservePart140.60/.70/checklistquestions.","pending_corrections":0},"markdown":"# S_IL PASS-02 — Targeted statutory and fee-rule evidence recovery\n\n**Baseline:** October 22, 2026, Pacific.\n**Actual access:** October 22, 2026, PDT, corresponding to October 23, 2026, UTC.\n\n## Result and acceptance boundary\n\n**This pass recovered primary enacted text for original §§125(a)–(d), 135(a)–(d), and 145(9)–(10). It did not recover a freshly readable current codification or a complete subsequent amendment chain for those provisions.** The recovery improves the evidence supporting the original statutory language; it does not close the coordinator’s current-law verification hold.\n\nFresh official agency and executive material also confirms that **HB5384 became P.A. 104-0520 on June 26, 2026, with immediate effectiveness reported by the Governor**. The requested operative passages—current §78 and Public Act §§15, 25, and 99—remain unread because the attempted official routes failed or stopped before those passages. [Office of Legislative Affairs+1](https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com)\n\nThe substantive changes to the research record are:\n\n| Question | PASS-02 result |\n| --- | --- |\n| Original §125 fee text | **Primary enacted text recovered.** Current §125 and its amendment chain remain held. |\n| §135 five-business-day refund language | **Original enacted language recovered.** Its exact anchor is “after the notice of cancellation.” Currentness remains held. |\n| §135 “application fee” versus §125 “enrollment fee” | **Textual mismatch confirmed in the enacted document.** No controlling or formal official reconciliation was located. |\n| §145(9)–(10) compensation restrictions | **Original enacted provisions recovered.** Current §145 and the relevant P.A. 102-298 text remain held. |\n| P.A. 104-520 enactment | **Freshly corroborated** by IDFPR and the Governor. |\n| Exact §78 / P.A. 104-520 operative clauses | **Not recovered.** Agency descriptions are not substituted for them. |\n| Adopted 2026 consumer-fee change | **None established in the bounded investigation.** A real 2026 adopted rule mentioning both debt statutes was examined and concerns administrative hearings. |\n| Current DMSA §12 | **Fresh retrieval failed.** Its cancellation-fee implication remains attributed to PASS-01. |\n| Part 140.60/.70 and application checklists | **Preserved as material open items.** |\n\nNo classification overview, federal overview, or fee-arithmetic rerun is included. No Illinois-wide or A066 acceptance is implied.\n\n**Identifier convention:** Within this answer, S001 and C001 mean **S_IL-P2-S001** and **S_IL-P2-C001**. Earlier records retain their full **S_IL-P1-…** identifiers.\n\n# A. Substantive findings\n\n## 1. Section 125: original operative wording recovered; current version not cleared\n\nThe successful primary recovery was the Illinois General Assembly’s HTML publication of **P.A. 96-1420**. The displayed passage contained all of original §125(a)–(d).\n\n| Original provision actually read | What it establishes in that enactment | Remaining limitation |\n| --- | --- | --- |\n| **§125(a)** | Consumer fees and compensation must conform to the types, amounts, and timing permitted by §125. | Current consolidated text was not freshly recovered. |\n| **§125(b)** | Enrollment, setup, upfront, and maintenance charges are prohibited except for a **one-time enrollment fee not exceeding $50**. | This is fresh evidence of the original enactment, not a fresh certification of the 2026 operative cap. |\n| **§125(c)** | Settlement fees may not exceed **15% of savings**. No settlement fee is allowed when the creditor’s full-satisfaction payment exceeds the defined principal amount. | The contract-entry baseline depends on §10, which was not freshly recovered here. |\n| **§125(d)** | Collection of a settlement fee requires the legally enforceable full-satisfaction agreement and provision of the specified funds to the creditor through the described provider or consumer payment route. | No new interpretation resolving installment collection was established. |\n\n**Claims C001–C002; source S001, §125(a)–(d).** \n\nThe recovered original enactment has **no §125(e)**. PASS-01 reported a successful read of the later current section, including the student-loan provision associated with P.A. 102-298. That earlier read remains prior evidence; the 2010 document cannot be presented as the complete later version.\n\nAccordingly, the earlier $50, 15%, baseline, and collection-trigger findings are **historically corroborated but not newly cleared as current-law premises by PASS-02**. The failed current fetches also do not prove those earlier findings false.\n\n## 2. Section 135: the refund language is now supported by a primary enactment\n\n### Cancellation and refund triggers\n\nThe recovered original §135 provides:\n\n- **Subsection (a):** cancellation before the provider has fully performed every service it contracted or represented it would perform.\n- **Subsection (b):** cancellation **or a material violation of the Act** triggers the stated refund obligation. The text requires return of fees and compensation, subject to its exceptions for the **“application fee”** and earned settlement fees, together with accumulated consumer settlement funds not disbursed to creditors.\n- Cancellation also revokes and voids the consumer’s powers of attorney and direct-debit authorizations.\n- **Subsection (d):** the provider must give timely cancellation notice to creditors it previously contacted for the consumer in connection with the settlement services.\n\nThese are now actual primary-enactment findings, rather than findings resting only on the supplied secondary reproduction. **Currentness remains a separate, unresolved dependency.** **C003; S001 §135(a), (b), (d).** \n\n### Five-business-day deadline: preserve the exact anchor\n\nOriginal §135(c) requires the refund:\n\n“within 5 business days after the notice of cancellation”\n\nIt also requires an accompanying account statement showing fees received and refunded, savings held and refunded, creditor payments, and any earned settlement fees. **C004; S001 §135(c).** \n\nTwo qualifications matter:\n\n1. **The passage does not expressly say “after receipt.”** This investigation did not locate a controlling or formal official interpretation choosing dispatch, delivery, receipt, or another event as the meaning of the notice language.\n2. **The material-violation trigger and deadline anchor are different clauses.** Subsection (b) addresses refunds upon a material violation, while subsection (c) states a deadline measured from cancellation notice. The recovered text does not expressly establish a separate five-day clock beginning with the violation, its discovery, or provider knowledge.\n\nA violation-only deadline should therefore not be invented from the cancellation-notice clause. **C006, C015.**\n\n### “Application fee” is not automatically interchangeable with “enrollment fee”\n\nThe same enacted document uses different terms:\n\n| Provision | Actual term |\n| --- | --- |\n| §125(b), permitted consumer charge | **Enrollment fee** |\n| §135(b), refund exception | **Application fee** |\n\nThe primary recovery confirms the mismatch. It does not resolve it.\n\nReading the recovered provisions together supports an important boundary: **a refund exception does not itself create authority to charge an additional fee** when §125 specifies the permitted fee types. But no controlling decision, formal agency ruling, or formal official explanation was located establishing that §135’s application-fee exception necessarily means the $50 enrollment charge.\n\nTherefore this pass does **not**:\n\n- Authorize a second consumer “application fee.”\n- Treat the provider’s regulator-facing application charge as a consumer charge.\n- Label the $50 enrollment fee categorically nonrefundable.\n- Treat a contract’s label as proof that a fee is legally earned.\n\n**C005, C015.** The precise retention question remains held pending current text and authoritative reconciliation.\n\n## 3. Section 145(9)–(10): two distinct restrictions were recovered\n\nThe original enactment contains both provisions, but they regulate different conduct.\n\n| Original provision | Recipient / payer relationship | Conduct prohibited by the recovered text |\n| --- | --- | --- |\n| **§145(9)** | The provider receives compensation from someone other than the consumer | Cash, fees, gifts, bonuses, premiums, rewards, or other compensation **explicitly for providing settlement service to that consumer**. |\n| **§145(10)** | The provider offers or provides a benefit to the consumer | Gifts or bonuses for signing a settlement-services contract or referring another potential customer or customer. |\n\n**C007–C008; S001 §145 introductory clause and paragraphs (9)–(10).** \n\nThe stated purpose condition in paragraph (9) must remain in the claim. Paragraph (10) should not be rewritten as a generic provision addressing every payment to every intermediary.\n\nThe separate customer-referral restrictions reported from Part 145 in PASS-01 remain a **prior-evidence dependency**, not a freshly reread rule finding in this pass.\n\nCurrentness remains material: official discovery results identify **P.A. 102-298** as a later amendment to §145, but the relevant enacted or current passage could not be freshly opened. This investigation consequently does not approve a third-party-funded arrangement or certify that the original paragraphs are unchanged through the baseline. **C009.**\n\n## 4. Section 78 and P.A. 104-520: enactment established; exact scope still held\n\n### What fresh primary material establishes\n\nThe actually read IDFPR Office of Legislative Affairs page identifies:\n\n- **HB5384**;\n- **P.A. 104-0520**;\n- Signing on **June 26, 2026**; and\n- Authority to promulgate **licensing fees related to the Financial Institutions Fund** through administrative rule.\n\nThe Governor’s June 26 announcement separately identifies HB5384 as signed and **effective immediately**. **C010; S002–S003.** [Office of Legislative Affairs+1](https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com)\n\nThese are substantive enactment confirmations. They do not supply the requested statutory clauses.\n\n### What was not recovered\n\n| Requested operative passage | PASS-02 status |\n| --- | --- |\n| Current **225 ILCS 429/78(a)–(b)** | Search discovery obtained; actual passage opens failed. |\n| **P.A. 104-520 §15**, adding DMSA §6.5 | Not reached in an actual fresh operative-text read. |\n| **P.A. 104-520 §25**, adding settlement §78 | Not reached. |\n| **P.A. 104-520 §99**, effective-date clause | Not reached; immediate effectiveness is freshly supported by the Governor’s announcement instead. |\n\nThe agency’s description emphasizes **licensing fees**. The Governor’s description speaks more generally about fees in the affected Acts being amendable by rule. PASS-01 also reported actually reading DMSA §6.5, including its broader subsection (b). Those descriptions and that prior read must not be silently converted into a fresh read of settlement §78.\n\n**This pass does not decide that §78 is limited exclusively to licensing fees, nor that it authorizes alteration of every consumer-fee provision.** Exact operative scope remains held. **C011.**\n\n### Enactment is not a numerical fee change\n\nThe evidence recovered establishes enacted rulemaking authority, not a new consumer fee schedule. No actual implementing consumer-fee amendment was established. No automatic CPI mechanism, replacement dollar figure, altered percentage, or new collection-timing permission is inferred. **C011–C013.**\n\n## 5. Actual adopted 2026 rule examined: administrative hearings\n\nA targeted search produced a genuine adopted 2026 rule mentioning both debt statutes. Its actual notice and operative passages were read.\n\nIt is the amendment to:\n\n**38 Ill. Adm. Code Part 100 — Hearings Before the Division of Banking and Division of Financial Institutions**, published at **50 Ill. Reg. 10803**, effective **July 13, 2026**.\n\nThe adopted-action list names changes to §§100.10, .15, .30, .50, .70, .90, .100, .120, .130, .140, .210, and .250. The operative passages concern hearing definitions, language assistance, petitions, representation, default, discovery, subpoenas, documents, and orders. Both debt Acts appear in the definition of an applicable Act, explaining the search result. **C012; S004.** [ilsos.gov+2](https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf?utm_source=chatgpt.com)\n\nThis adoption **does not establish a change to settlement enrollment/success fees or DMP consumer charges**. “Hearing Fee” and “Cost of Hearings” appear in the Part’s contents, but those sections are not in this adoption’s amended-section list.\n\nThe broader conclusion remains bounded: **no adopted 2026 change to the requested consumer-fee limits was established in this investigation.** The newly read index and issue listing are leads; they are not substituted for operative fee text. The prior checks of Register issues 39–42 remain attributed to PASS-01.\n\n## 6. DMSA §12 and cancellation: no fresh statutory recovery\n\nFresh attempts to retrieve **205 ILCS 665/12** failed.\n\nThe prior PASS-01 read reported an exhaustive list of permitted debtor fees and penalties, with no separate exit penalty. That earlier evidence remains attributed to PASS-01; it is **not newly reverified here**.\n\nThe earlier cancellation proposition also requires a clearer dependency split:\n\n- The **first-day-of-the-following-month cancellation date** came from **38 Ill. Adm. Code 140.50(b)(2)–(3)**.\n- The **absence of a separately authorized cancellation penalty** depended on the previously read §12 and Rule 140.50(c)(2).\n- Section 12 itself did not establish that cancellation date, a general refund deadline, or a daily-proration formula.\n\n**C014.** Part 140.60/.70 and current application checklists remain open. **C016.**\n\nNo new arithmetic examples are added. The supplied arithmetic check does not cure these current-law evidence gaps.\n\n# B. Actual source register — successfully read primary passages\n\nOnly sources whose relevant substantive passages were actually returned and read in PASS-02 appear here. Failed routes, indexes, and inherited evidence are separated below. All access dates are **October 22, 2026 PDT / October 23 UTC**.\n\n| Source ID | Document / issuer / jurisdiction | Direct literal URL | Actual pinpoint and read extent | Version, legal status, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_IL-P2-S001** | **Public Act 96-1420** — Illinois General Assembly; Illinois | [https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm](https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm) | Actual HTML display: **§125(a)–(d), lines767–794; §135(a)–(d), lines817–846; §145 introduction and (9)–(10), lines849–850 and883–889**. Successful relevant display covered lines704–1150. | **Original enacted text**, not a freshly verified current compilation. Effective-date footer was not displayed. PASS-01’s reported effective-date/source-note evidence is attributed separately. Later reopen failures do not erase the successful reading. |\n| **S_IL-P2-S002** | **Office of Legislative Affairs** — IDFPR; Illinois | [https://idfpr.illinois.gov/ola.html](https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com) | “IDFPR Spring2026 Legislative Initiatives,” **HB5384 paragraph, lines72–73**. | Fresh official explanation identifying **P.A.104-0520, signed6/26/2026**, and licensing-fee rulemaking purpose. Not the operative Act or an adopted fee schedule. |\n| **S_IL-P2-S003** | **“Gov. Pritzker Takes Bill Action”** — Illinois Office of the Governor / State of Illinois Newsroom; Illinois | [https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz](https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz?utm_source=chatgpt.com) | Date **6/26/2026**, lines5–9; **HB5384 entry, lines343–348**. | Fresh executive confirmation: signed, **effective immediately**. Does not replace the unread Public Act§99 or supply the complete operative clauses. |\n| **S_IL-P2-S004** | **Illinois Register, vol.50, issue30** — Secretary of State / IDFPR; Illinois | [https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf](https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf?utm_source=chatgpt.com) | Part100 adoption **printed pp.10803–10825**; adopted-action list/effective-date item at **p.10803**; relevant operative definitions and hearing provisions beginning **pp.10808–10813**, with additional operative passages examined. | Published **7/24/2026**; adopted amendments effective **7/13/2026**. Actual procedural adoption, not a consumer-fee amendment. State-hosted electronic reproduction carries the publisher limitation recorded below; no claim to a certified print copy or reading every unrelated page of the issue. |\n\n# C. Failed and partial retrieval routes — not substantive sources\n\nThese are material PASS-02 access attempts. They are recorded as retrieval evidence, not as proof of statutory contents. Repeated identical failures are consolidated.\n\n| Access record | Requested evidence and exact route | Actual result / consequence |\n| --- | --- | --- |\n| **F01** | Current§125: [https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm](https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm?utm_source=chatgpt.com) ; [https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125](https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125&utm_source=chatgpt.com) | **502**. Current passage not recovered. |\n| **F02** | Other§125 routes: [https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html](https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html) ; [https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125](https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125) | Reported **inaccessible through the tool**. A separate legacy document route timed out. |\n| **F03** | Current§10 baseline: [https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm](https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm?utm_source=chatgpt.com) | **Timeout**. Contract-entry definition not newly read. |\n| **F04** | Current§135: [https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html](https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html) ; [https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm](https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm) | **502 / inaccessible**, respectively. Currentness/source note not recovered. |\n| **F05** | Current§145: [https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm](https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm) ; [https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html](https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html) | **502**. Current paragraphs(9)–(10) not recovered. |\n| **F06** | Whole settlement Act: [https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True](https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True&utm_source=chatgpt.com) | **502**, including targeted later-section attempts. Other current whole-Act routes also failed. |\n| **F07** | Later P.A.102-298: [https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf](https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf?utm_source=chatgpt.com) ; [https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm](https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm) ; [https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298](https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298) | **502 / inaccessible / 502**. Later operative§125/§145 text not recovered. |\n| **F08** | Current§78: [https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78](https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78) ; [https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm](https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm) | **502 / inaccessible**. Search-returned wording remains discovery only. |\n| **F09** | P.A.104-0520: [https://ilga.gov/Legislation/PublicActs/View/104-0520](https://ilga.gov/Legislation/PublicActs/View/104-0520?utm_source=chatgpt.com) ; [https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf](https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf?utm_source=chatgpt.com) ; [https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm](https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm) | **502 / 502 / inaccessible**. Exact§§15,25,99 remain held. |\n| **F10** | Enrolled HB5384: [https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114](https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114) | Initial earlier portions displayed, but the requested later clauses were **not reached**. Targeted follow-up opens returned502. This is not counted as reading those clauses. |\n| **F11** | Enrolled PDF routes: [https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf) ; [https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf](https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf) | **502**, including the actual “Open PDF” link. No operative-clause read. |\n| **F12** | Current DMSA§12: [https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12](https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12&utm_source=chatgpt.com) ; [https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm](https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm?utm_source=chatgpt.com) | **502**, including reopening the previously successful PASS-01 reference. No fresh§12 read. |\n| **F13** | DMSA whole Act / new authority: [https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True](https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True&utm_source=chatgpt.com) ; [https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5](https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5) | **502**. No fresh§12 or§6.5 recovery. |\n| **F14** | Later portions of the successfully read P.A.96-1420 URL in S001 | Later attempts to reach the DMSA amendment and effective-date footer, and later reopens of the already read range, returned **502**. The successful earlier §125/§135/§145 display remains valid evidence of what was actually read. |\n\nNo broader permissions, alternate browser access, or contact was requested to overcome these failures.\n\n# D. Discovery leads and prior-evidence dependency crosswalk\n\n## D1. Freshly checked discovery aids — not operative fee authority\n\n| Lead | Direct literal URL / pinpoint | What was observed | Limit |\n| --- | --- | --- | --- |\n| **L01 — Title38 index** | [https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf](https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf?utm_source=chatgpt.com), document pp.5–6 | Index updated9/18/2026; Parts140/145 list their latest amendments as the July8,2022 amendments. | **Lead only.** Does not supply current operative fee text or prove absence of a later filing. |\n| **L02 — Register issue listing** | [https://www.ilsos.gov/departments/index/register.html](https://www.ilsos.gov/departments/index/register.html?utm_source=chatgpt.com), issue list and electronic-publication disclaimer | Fresh listing ended at **issue42, October16,2026**. | Listing is not an operative amendment. Publisher expressly distinguishes the electronic copy from the official print publication. |\n| **L03 — Current ILCS search discoveries** | Current-section routes in F04, F05, F08 | Indexed material pointed to P.A.96-1420 for§135, P.A.102-298 for§145, and P.A.104-520 for§78. | **Not successful passage reads.** These source notes remain recovery leads. |\n| **L04 — Enrolled HB5384** | F10–F11 | Enrolled document identified; relevant clauses not displayed. | Enrollment/title/earlier-section access does not establish the missing operative clauses. |\n\n## D2. Earlier evidence reused with attribution — not fresh PASS-02 reading\n\n| Earlier record | Prior evidence retained | How it is used here |\n| --- | --- | --- |\n| **S_IL-P1-S001** | Reported successful official reads of settlement§10 and§125, including later§125(e). | Prior support for the baseline and later fee section. **Not relabeled as newly verified current text.** |\n| **S_IL-P1-S002** | Reported official DMSA§12 and§6.5 reads. | Prior dependency for the exhaustive fee list and 2026 rulemaking language; fresh attempts failed. |\n| **S_IL-P1-S003** | 2011 adopted-rule material: [https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf](https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf?utm_source=chatgpt.com), particularly§140.50 and§145.70. | Prior source for DMP cancellation timing and separate referral restrictions. No claim of a fresh reread here. |\n| **S_IL-P1-S006** | July2026 agenda: [https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf](https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf?utm_source=chatgpt.com), pp.8977–8978. | Prior anticipated November2026 rulemaking lead. An agenda is not an adopted fee change. |\n| **S_IL-P1-S017–S020** | Prior contents/text searches of Register issues39–42. | Prior bounded no-match results retained. They were **not rerun or described as fresh PASS-02 full-text checks**. |\n| **S_IL-P1-S023** | Justia2025 reproduction: [https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/](https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/?utm_source=chatgpt.com). | No longer the sole text support for original§135/§145(9)–(10), because S001 now supplies enacted text. Still not current-primary clearance. |\n| **S_IL-P1-S013–S014** | Previously unread NMLS DMP and settlement application/checklist routes. | Their contents remain unresolved; no fresh operational-page inference is used to verify statutory caps. |\n| **Supplied coordinator/math checks** | User-provided scope review and arithmetic-check description. | Treated as supplied review context, **not fresh source reading and not independent review**. |\n\n# E. PASS-02 claim table\n\n| Claim ID | Precise assertion | Evidence / pinpoint | Status and confidence limit |\n| --- | --- | --- | --- |\n| **S_IL-P2-C001** | Original enacted§125(a)–(c) contains the exclusive fee rule, one-time enrollment ceiling of$50, settlement ceiling of15% of savings, and no settlement fee where the described payment exceeds principal. | S001§125(a)–(c), lines767–787. | **Primary historical text verified.** Current version and§10 baseline not freshly cleared. |\n| **S_IL-P2-C002** | Original§125(d) conditions settlement-fee collection on the enforceable full-satisfaction agreement and provision of specified funds through the stated payment routes. | S001§125(d), lines788–794. | **Primary historical text verified.** No new installment interpretation or currentness clearance. |\n| **S_IL-P2-C003** | Original§135 permits cancellation before complete promised performance and requires the specified refunds upon cancellation or material violation, with stated exceptions and revocation consequences. | S001§135(a)–(b), lines819–834. | **Primary historical text verified.** Current consolidated section remains held. |\n| **S_IL-P2-C004** | Original§135(c) requires refund within five business days after notice of cancellation and the specified accounting. | S001§135(c), lines835–840. | **Exact original wording verified.** No “receipt” interpretation added. |\n| **S_IL-P2-C005** | The recovered enactment uses “enrollment fee” in§125(b) and “application fee” in§135(b); the read text does not itself resolve equivalence or authorize another consumer fee. | S001§§125(b),135(b). | Mismatch verified; retention/equivalence interpretation **held**. |\n| **S_IL-P2-C006** | The material-violation refund trigger is in§135(b), while the express five-day deadline in§135(c) is anchored to cancellation notice. | S001§135(b)–(c). | No independently measured violation/discovery deadline established. |\n| **S_IL-P2-C007** | Original§145(9) prohibits the provider’s receipt of specified compensation from someone other than the consumer explicitly for that consumer’s settlement service. | S001§145(9), lines883–886. | **Primary historical text verified.** Purpose condition retained; current amendment chain held. |\n| **S_IL-P2-C008** | Original§145(10) prohibits gifts or bonuses offered/provided to consumers for signing a settlement-services contract or referring a potential/current customer. | S001§145(10), lines887–889. | **Primary historical text verified.** Distinct from other intermediary-referral restrictions. |\n| **S_IL-P2-C009** | PASS-02 did not obtain freshly readable current§§125,135,145 or a complete subsequent amendment chain. | F01–F07; L03; prior-dependency table. | **Retrieval finding.** Historical recovery does not close current-law acceptance. |\n| **S_IL-P2-C010** | Fresh official material confirms HB5384 as P.A.104-0520, signed6/26/2026; the Governor reports immediate effectiveness. | S002 HB5384 paragraph; S003 HB5384 entry. | Enactment/status **freshly corroborated**; exact Public Act§99 not read. |\n| **S_IL-P2-C011** | Exact current§78 and P.A.104-520§§15,25,99 remain unread; agency descriptions do not resolve precise operative scope. | F08–F11, F13; S002–S003; prior§6.5 dependency. | **Held.** No inference of a changed consumer cap or provider-selected adjustment. |\n| **S_IL-P2-C012** | The actual2026 adoption at50 Ill.Reg.10803 changes Part100 administrative-hearing provisions, effective7/13/2026; it does not establish a Part140/145 consumer-fee change. | S004 p.10803 action list/effective-date item; operative text beginning pp.10808–10813. | **Verified for this adoption.** Not a conclusion about every2026 filing. |\n| **S_IL-P2-C013** | No adopted2026 amendment changing the requested consumer-fee limits was established in the bounded investigation. | S004; L01–L04; attributed prior agenda/register checks. | **Bounded negative finding.** Indexes and missing search results do not prove universal absence. |\n| **S_IL-P2-C014** | Current DMSA§12 was not freshly recovered; the earlier no-separate-exit-penalty inference depends on prior§12/rule evidence, while cancellation date depends on prior§140.50. | F12–F14; S_IL-P1-S002/S003. | **Prior finding retained with attribution; fresh verification held.** |\n| **S_IL-P2-C015** | The bounded interpretation search located no controlling decision or formal official interpretation resolving the application/enrollment wording or a separate violation-only refund deadline. | Search-method record; S001 supplies the text requiring interpretation. | Search outcome only; not proof that no authority exists and not a completed citator review. |\n| **S_IL-P2-C016** | Part140.60/.70 and current application-checklist contents remain material unresolved dependencies. | Prior holds expressly preserved. | No new operative-rule or checklist clearance claimed. |\n\n# F. Earlier-claim patch map — original IDs retained\n\nThis is an **appended qualification and evidence map**. It does not alter or silently replace the raw original claim records.\n\n| Original claim ID | PASS-02 disposition | Exact appended qualification | New claims supporting patch |\n| --- | --- | --- | --- |\n| **S_IL-P1-C017** | **Historically corroborated; current verification remains held** | Original§125(c)’s15% ceiling and no-fee-above-principal condition were freshly read in P.A.96-1420. The contract-entry baseline still depends on the prior§10 read. Do not present PASS-02 as a fresh current-law verification of the complete claim. | C001, C009 |\n| **S_IL-P1-C018** | **Historically corroborated; current verification remains held** | Original§125(a)–(b) freshly confirms the one-time$50 enrollment provision and prohibited additional fee categories. The later/current consolidated version remains unread. Section135’s different “application fee” wording does not establish a second charge or automatic retention. | C001, C005, C009 |\n| **S_IL-P1-C019** | **Original text freshly corroborated; interpretation hold retained** | Original§125(d) was actually read. The first-installment-only permission remains unestablished; no controlling construction was recovered and currentness was not newly cleared. | C002, C009 |\n| **S_IL-P1-C023** | **Prior evidence preserved; dependency attribution clarified** | Fresh§12 retrieval failed. Attribute the cancellation effective date to prior Rule140.50(b)(2)–(3), and the no-separate-exit-penalty conclusion to prior§12 plus Rule140.50(c)(2). Do not attribute all cancellation mechanics to§12. | C014, C016 |\n| **S_IL-P1-C025** | **Upgrade from secondary-only to original enacted primary text; retain currentness/interpretation holds** | Original§135 is now actually read in P.A.96-1420. Preserve the literal five-business-day anchor after cancellation notice, the material-violation trigger, and the “application fee” exception. Do not add “receipt,” declare enrollment fees nonrefundable, or invent a violation-discovery clock. | C003–C006, C009, C015 |\n| **S_IL-P1-C027** | **Enactment further corroborated; operative-clause hold retained** | Fresh IDFPR material supplies the Public Act number and signing date; fresh Governor material reports immediate effectiveness. Exact§78 and P.A.§§15,25,99 remain unread. No adopted numerical consumer-fee change was established. | C010–C013 |\n| **S_IL-P1-C037** | **Upgrade to original enacted primary text; current amendment chain remains held** | Original§145(9)–(10) is now read. Preserve the different payer/recipient and purpose conditions. The later P.A.102-298/current§145 text remains unread; no third-party-funded workaround is approved. | C007–C009 |\n\n# G. Component coverage and exact remaining investigations\n\n| Component | Status after PASS-02 | Claims | Exact remaining evidence or action |\n| --- | --- | --- | --- |\n| Current§125(a)–(d) | **Partial: original enactment recovered** | C001–C002, C009 | Obtain actually displayed current§125, or the operative P.A.102-298 text plus subsequent amendment history through the baseline. |\n| Contract-entry savings baseline | **Prior evidence only in this pass** | C009; patch C017 | Recover current§10 definitions alongside the current fee provision before clearing the complete numerical premise. |\n| Current§125(e) | **Not newly recovered** | C009 | Read the later operative subsection from current ILCS or P.A.102-298; do not treat original2010 text as the complete later section. |\n| §135 refund text | **Original primary text recovered; currentness open** | C003–C004, C009 | Recover current§135 with source note, or an authoritative complete amendment chain from P.A.96-1420. |\n| Application/enrollment terminology | **Unresolved interpretation** | C005, C015 | Locate a controlling decision or formal official interpretation of§135(b) against§125(b). |\n| Material-violation-only refund clock | **Unresolved interpretation** | C006, C015 | Obtain authority addressing the deadline when no cancellation notice supplies the statutory anchor. |\n| Current§145(9)–(10) | **Original primary text recovered; later text open** | C007–C009 | Read current§145 or operative P.A.102-298§145 and subsequent history. Preserve the distinct conditions of both paragraphs. |\n| P.A.104-520 enactment/date | **Freshly corroborated** | C010 | Exact effective-date clause remains a separate document-recovery item. |\n| §78 / P.A.§§15,25,99 | **Held** | C011 | Recover those actual clauses, including the scope of subsections(a)/(b), and reconcile them with the agency’s licensing-fee description. |\n| Adopted2026 numerical fee change | **None established; bounded finding** | C012–C013 | Any claimed change must be supported by actual adopted/emergency/peremptory text, filing/effective date, authority, and affected fee provision. |\n| Current DMSA§12 / cancellation penalty | **Fresh read held** | C014 | Recover current§12 or enacted§12 amendment in P.A.96-1420§905 plus subsequent history. Keep cancellation-date and fee-earning rules separately sourced. |\n| Part140.60/.70 | **Preserved material hold** | C016 | Obtain complete operative sections and applicable amendment history; prior indexed excerpts do not suffice. |\n| Current NMLS checklists | **Preserved material hold** | C016 | Obtain readable dated Illinois DMP and settlement checklists. No filing, contact, or account access is part of this authorization. |\n| Earlier arithmetic examples | **Not rerun or legally cleared** | C009, C011, C014 | Apply them only after their relevant current legal premises and earning/refund conditions are established. |\n| Other Illinois categories / overall acceptance | **Open** | — | Agreement/funds/bond/remedies beyond the narrow provisions here; collection, litigation, limitations, exemptions, secured debt, sectors, local/tribal issues, full contract and case-law work remain later required passes. |\n\n# H. Researcher self-check\n\n- **Actual new primary text:** The original enacted §125(a)–(d), full §135, and original §145(9)–(10) were displayed and read during the parallel research within this pass. Subsequent attempts to reopen that same document failed; those failures do not erase the successful read.\n- **Actual new current official explanations:** IDFPR’s legislative page and the Governor’s announcement were read, establishing the reported enactment facts without substituting those pages for unread statutory clauses.\n- **Actual adopted-rule examination:** The Part100 adoption’s action list, effective date, and relevant operative passages were examined. Its debt-statute references did not make it a consumer-fee amendment.\n- **Still not read:** Current target settlement sections, the requested P.A.104-520 operative clauses, current DMSA§12, Part140.60/.70, and current checklist contents.\n- **Interpretive limits:** The bounded searches did not locate a controlling or formal official resolution of the refund terminology or notice-anchor questions. Complaints, the identified law-review material, and search excerpts were not treated as controlling interpretations. Subsequent-history verification remains incomplete.\n- **Attribution:** Prior PASS-01 reads and supplied coordinator checks are explicitly distinguished from fresh reading. This is a researcher self-check, **not independent review**.\n- **Environment:** Ordinary public-web retrieval was used in this conversation. No alternate browser access or broader permissions were requested. The chatgpt.com model selector was not verified, and no claim is made to have changed it.\n\n**Continuation boundary:** The original-enactment text gap is substantially improved. The current-codification/amendment-chain, exact 2026 authority, interpretive, rule, and checklist holds remain open as listed above.\n\nEND S_IL PASS-02\n\n","tables":[{"headers":["Question","PASS-02 result"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","PASS-02 result"],["Original §125 fee text","Primary enacted text recovered. Current §125 and its amendment chain remain held."],["§135 five-business-day refund language","Original enacted language recovered. Its exact anchor is “after the notice of cancellation.” Currentness remains held."],["§135 “application fee” versus §125 “enrollment fee”","Textual mismatch confirmed in the enacted document. No controlling or formal official reconciliation was located."],["§145(9)–(10) compensation restrictions","Original enacted provisions recovered. Current §145 and the relevant P.A. 102-298 text remain held."],["P.A. 104-520 enactment","Freshly corroborated by IDFPR and the Governor."],["Exact §78 / P.A. 104-520 operative clauses","Not recovered. Agency descriptions are not substituted for them."],["Adopted 2026 consumer-fee change","None established in the bounded investigation. A real 2026 adopted rule mentioning both debt statutes was examined and concerns administrative hearings."],["Current DMSA §12","Fresh retrieval failed. Its cancellation-fee implication remains attributed to PASS-01."],["Part 140.60/.70 and application checklists","Preserved as material open items."]]},{"headers":["Original provision actually read","What it establishes in that enactment","Remaining limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Original provision actually read","What it establishes in that enactment","Remaining limitation"],["§125(a)","Consumer fees and compensation must conform to the types, amounts, and timing permitted by §125.","Current consolidated text was not freshly recovered."],["§125(b)","Enrollment, setup, upfront, and maintenance charges are prohibited except for a one-time enrollment fee not exceeding $50.","This is fresh evidence of the original enactment, not a fresh certification of the 2026 operative cap."],["§125(c)","Settlement fees may not exceed 15% of savings. No settlement fee is allowed when the creditor’s full-satisfaction payment exceeds the defined principal amount.","The contract-entry baseline depends on §10, which was not freshly recovered here."],["§125(d)","Collection of a settlement fee requires the legally enforceable full-satisfaction agreement and provision of the specified funds to the creditor through the described provider or consumer payment route.","No new interpretation resolving installment collection was established."]]},{"headers":["Provision","Actual term"],"index":2,"links":[],"row_links":[[],[],[]],"rows":[["Provision","Actual term"],["§125(b), permitted consumer charge","Enrollment fee"],["§135(b), refund exception","Application fee"]]},{"headers":["Original provision","Recipient / payer relationship","Conduct prohibited by the recovered text"],"index":3,"links":[],"row_links":[[],[],[]],"rows":[["Original provision","Recipient / payer relationship","Conduct prohibited by the recovered text"],["§145(9)","The provider receives compensation from someone other than the consumer","Cash, fees, gifts, bonuses, premiums, rewards, or other compensation explicitly for providing settlement service to that consumer."],["§145(10)","The provider offers or provides a benefit to the consumer","Gifts or bonuses for signing a settlement-services contract or referring another potential customer or customer."]]},{"headers":["Requested operative passage","PASS-02 status"],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Requested operative passage","PASS-02 status"],["Current 225 ILCS 429/78(a)–(b)","Search discovery obtained; actual passage opens failed."],["P.A. 104-520 §15, adding DMSA §6.5","Not reached in an actual fresh operative-text read."],["P.A. 104-520 §25, adding settlement §78","Not reached."],["P.A. 104-520 §99, effective-date clause","Not reached; immediate effectiveness is freshly supported by the Governor’s announcement instead."]]},{"headers":["Source ID","Document / issuer / jurisdiction","Direct literal URL","Actual pinpoint and read extent","Version, legal status, and limitation"],"index":5,"links":[{"href":"https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm"},{"href":"https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com","text":"https://idfpr.illinois.gov/ola.html"},{"href":"https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz?utm_source=chatgpt.com","text":"https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz"},{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf"}],"row_links":[[],[{"href":"https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm"}],[{"href":"https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com","text":"https://idfpr.illinois.gov/ola.html"}],[{"href":"https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz?utm_source=chatgpt.com","text":"https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz"}],[{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf"}]],"rows":[["Source ID","Document / issuer / jurisdiction","Direct literal URL","Actual pinpoint and read extent","Version, legal status, and limitation"],["S_IL-P2-S001","Public Act 96-1420 — Illinois General Assembly; Illinois","https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm","Actual HTML display: §125(a)–(d), lines767–794; §135(a)–(d), lines817–846; §145 introduction and (9)–(10), lines849–850 and883–889. Successful relevant display covered lines704–1150.","Original enacted text, not a freshly verified current compilation. Effective-date footer was not displayed. PASS-01’s reported effective-date/source-note evidence is attributed separately. Later reopen failures do not erase the successful reading."],["S_IL-P2-S002","Office of Legislative Affairs — IDFPR; Illinois","https://idfpr.illinois.gov/ola.html","“IDFPR Spring2026 Legislative Initiatives,” HB5384 paragraph, lines72–73.","Fresh official explanation identifying P.A.104-0520, signed6/26/2026, and licensing-fee rulemaking purpose. Not the operative Act or an adopted fee schedule."],["S_IL-P2-S003","“Gov. Pritzker Takes Bill Action” — Illinois Office of the Governor / State of Illinois Newsroom; Illinois","https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz","Date 6/26/2026, lines5–9; HB5384 entry, lines343–348.","Fresh executive confirmation: signed, effective immediately. Does not replace the unread Public Act§99 or supply the complete operative clauses."],["S_IL-P2-S004","Illinois Register, vol.50, issue30 — Secretary of State / IDFPR; Illinois","https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf","Part100 adoption printed pp.10803–10825; adopted-action list/effective-date item at p.10803; relevant operative definitions and hearing provisions beginning pp.10808–10813, with additional operative passages examined.","Published 7/24/2026; adopted amendments effective 7/13/2026. Actual procedural adoption, not a consumer-fee amendment. State-hosted electronic reproduction carries the publisher limitation recorded below; no claim to a certified print copy or reading every unrelated page of the issue."]]},{"headers":["Access record","Requested evidence and exact route","Actual result / consequence"],"index":6,"links":[{"href":"https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm?utm_source=chatgpt.com","text":"https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125&utm_source=chatgpt.com","text":"https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125"},{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125"},{"href":"https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm?utm_source=chatgpt.com","text":"https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm"},{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html"},{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm"},{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm"},{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html"},{"href":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True&utm_source=chatgpt.com","text":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True"},{"href":"https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf?utm_source=chatgpt.com","text":"https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf"},{"href":"https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm"},{"href":"https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298","text":"https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78"},{"href":"https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm","text":"https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm"},{"href":"https://ilga.gov/Legislation/PublicActs/View/104-0520?utm_source=chatgpt.com","text":"https://ilga.gov/Legislation/PublicActs/View/104-0520"},{"href":"https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf?utm_source=chatgpt.com","text":"https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf"},{"href":"https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm"},{"href":"https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114","text":"https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114"},{"href":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf","text":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf"},{"href":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf","text":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf"},{"href":"https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12&utm_source=chatgpt.com","text":"https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12"},{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm?utm_source=chatgpt.com","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm"},{"href":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True&utm_source=chatgpt.com","text":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5"}],"row_links":[[],[{"href":"https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm?utm_source=chatgpt.com","text":"https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125&utm_source=chatgpt.com","text":"https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125"}],[{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125"}],[{"href":"https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm?utm_source=chatgpt.com","text":"https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm"}],[{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html"},{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm"}],[{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm"},{"href":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html","text":"https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html"}],[{"href":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True&utm_source=chatgpt.com","text":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True"}],[{"href":"https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf?utm_source=chatgpt.com","text":"https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf"},{"href":"https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm"},{"href":"https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298","text":"https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298"}],[{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78"},{"href":"https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm","text":"https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm"}],[{"href":"https://ilga.gov/Legislation/PublicActs/View/104-0520?utm_source=chatgpt.com","text":"https://ilga.gov/Legislation/PublicActs/View/104-0520"},{"href":"https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf?utm_source=chatgpt.com","text":"https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf"},{"href":"https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm","text":"https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm"}],[{"href":"https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114","text":"https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114"}],[{"href":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf","text":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf"},{"href":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf","text":"https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf"}],[{"href":"https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12&utm_source=chatgpt.com","text":"https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12"},{"href":"https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm?utm_source=chatgpt.com","text":"https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm"}],[{"href":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True&utm_source=chatgpt.com","text":"https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True"},{"href":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5","text":"https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5"}],[]],"rows":[["Access record","Requested evidence and exact route","Actual result / consequence"],["F01","Current§125: https://www.ilga.gov/documents/legislation/ilcs/documents/022504290K125.htm ; https://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=022504290K125","502. Current passage not recovered."],["F02","Other§125 routes: https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K125.html ; https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K125","Reported inaccessible through the tool. A separate legacy document route timed out."],["F03","Current§10 baseline: https://ilga.gov/documents/legislation/ilcs/documents/022504290K10.htm","Timeout. Contract-entry definition not newly read."],["F04","Current§135: https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K135.html ; https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K135.htm","502 / inaccessible, respectively. Currentness/source note not recovered."],["F05","Current§145: https://www.ilga.gov/Documents/legislation/ilcs/documents/022504290K145.htm ; https://www.ilga.gov/ftp/ILCS/Ch%200225/Act%200429/022504290K145.html","502. Current paragraphs(9)–(10) not recovered."],["F06","Whole settlement Act: https://www.ilga.gov/Legislation/ILCS/Articles?ActID=3276&ChapterID=24&Print=True","502, including targeted later-section attempts. Other current whole-Act routes also failed."],["F07","Later P.A.102-298: https://ilga.gov/Documents/Legislation/PublicActs/102/PDF/102-0298.pdf ; https://www.ilga.gov/documents/legislation/PublicActs/102/102-0298.htm ; https://www.ilga.gov/Legislation/PublicActs/PrinterFriendly/102-0298","502 / inaccessible / 502. Later operative§125/§145 text not recovered."],["F08","Current§78: https://www.ilga.gov/legislation/ilcs/fulltext?DocName=022504290K78 ; https://www.ilga.gov/Documents/Legislation/ILCS/Documents/022504290K78.htm","502 / inaccessible. Search-returned wording remains discovery only."],["F09","P.A.104-0520: https://ilga.gov/Legislation/PublicActs/View/104-0520 ; https://ilga.gov/Documents/Legislation/PublicActs/104/PDF/104-0520.pdf ; https://www.ilga.gov/documents/legislation/PublicActs/104/104-0520.htm","502 / 502 / inaccessible. Exact§§15,25,99 remain held."],["F10","Enrolled HB5384: https://www.ilga.gov/Legislation/BillStatus/FullText?DocNum=5384&DocTypeID=HB&GAID=18&LegId=0&SessionID=114","Initial earlier portions displayed, but the requested later clauses were not reached. Targeted follow-up opens returned502. This is not counted as reading those clauses."],["F11","Enrolled PDF routes: https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384enr.pdf ; https://www.ilga.gov/documents/legislation/104/HB/PDF/10400HB5384lv.pdf","502, including the actual “Open PDF” link. No operative-clause read."],["F12","Current DMSA§12: https://my.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K12 ; https://www.ilga.gov/Documents/legislation/ilcs/documents/020506650K12.htm","502, including reopening the previously successful PASS-01 reference. No fresh§12 read."],["F13","DMSA whole Act / new authority: https://www.ilga.gov/Legislation/ILCS/Articles?ActID=1203&ChapterID=20&Print=True ; https://www.ilga.gov/legislation/ilcs/fulltext?DocName=020506650K6.5","502. No fresh§12 or§6.5 recovery."],["F14","Later portions of the successfully read P.A.96-1420 URL in S001","Later attempts to reach the DMSA amendment and effective-date footer, and later reopens of the already read range, returned 502. The successful earlier §125/§135/§145 display remains valid evidence of what was actually read."]]},{"headers":["Lead","Direct literal URL / pinpoint","What was observed","Limit"],"index":7,"links":[{"href":"https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf"},{"href":"https://www.ilsos.gov/departments/index/register.html?utm_source=chatgpt.com","text":"https://www.ilsos.gov/departments/index/register.html"}],"row_links":[[],[{"href":"https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf"}],[{"href":"https://www.ilsos.gov/departments/index/register.html?utm_source=chatgpt.com","text":"https://www.ilsos.gov/departments/index/register.html"}],[],[]],"rows":[["Lead","Direct literal URL / pinpoint","What was observed","Limit"],["L01 — Title38 index","https://www.ilsos.gov/content/dam/departments/index/codification_indexes/title38.pdf, document pp.5–6","Index updated9/18/2026; Parts140/145 list their latest amendments as the July8,2022 amendments.","Lead only. Does not supply current operative fee text or prove absence of a later filing."],["L02 — Register issue listing","https://www.ilsos.gov/departments/index/register.html, issue list and electronic-publication disclaimer","Fresh listing ended at issue42, October16,2026.","Listing is not an operative amendment. Publisher expressly distinguishes the electronic copy from the official print publication."],["L03 — Current ILCS search discoveries","Current-section routes in F04, F05, F08","Indexed material pointed to P.A.96-1420 for§135, P.A.102-298 for§145, and P.A.104-520 for§78.","Not successful passage reads. These source notes remain recovery leads."],["L04 — Enrolled HB5384","F10–F11","Enrolled document identified; relevant clauses not displayed.","Enrollment/title/earlier-section access does not establish the missing operative clauses."]]},{"headers":["Earlier record","Prior evidence retained","How it is used here"],"index":8,"links":[{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf"},{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf"},{"href":"https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/"}],"row_links":[[],[],[],[{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf"}],[{"href":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf?utm_source=chatgpt.com","text":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf"}],[],[{"href":"https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/"}],[],[]],"rows":[["Earlier record","Prior evidence retained","How it is used here"],["S_IL-P1-S001","Reported successful official reads of settlement§10 and§125, including later§125(e).","Prior support for the baseline and later fee section. Not relabeled as newly verified current text."],["S_IL-P1-S002","Reported official DMSA§12 and§6.5 reads.","Prior dependency for the exhaustive fee list and 2026 rulemaking language; fresh attempts failed."],["S_IL-P1-S003","2011 adopted-rule material: https://www.ilsos.gov/content/dam/departments/index/register/volume35/register_volume35_issue16.pdf, particularly§140.50 and§145.70.","Prior source for DMP cancellation timing and separate referral restrictions. No claim of a fresh reread here."],["S_IL-P1-S006","July2026 agenda: https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_27.pdf, pp.8977–8978.","Prior anticipated November2026 rulemaking lead. An agenda is not an adopted fee change."],["S_IL-P1-S017–S020","Prior contents/text searches of Register issues39–42.","Prior bounded no-match results retained. They were not rerun or described as fresh PASS-02 full-text checks."],["S_IL-P1-S023","Justia2025 reproduction: https://law.justia.com/codes/illinois/chapter-225/act-225-ilcs-429/.","No longer the sole text support for original§135/§145(9)–(10), because S001 now supplies enacted text. Still not current-primary clearance."],["S_IL-P1-S013–S014","Previously unread NMLS DMP and settlement application/checklist routes.","Their contents remain unresolved; no fresh operational-page inference is used to verify statutory caps."],["Supplied coordinator/math checks","User-provided scope review and arithmetic-check description.","Treated as supplied review context, not fresh source reading and not independent review."]]},{"headers":["Claim ID","Precise assertion","Evidence / pinpoint","Status and confidence limit"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Evidence / pinpoint","Status and confidence limit"],["S_IL-P2-C001","Original enacted§125(a)–(c) contains the exclusive fee rule, one-time enrollment ceiling of$50, settlement ceiling of15% of savings, and no settlement fee where the described payment exceeds principal.","S001§125(a)–(c), lines767–787.","Primary historical text verified. Current version and§10 baseline not freshly cleared."],["S_IL-P2-C002","Original§125(d) conditions settlement-fee collection on the enforceable full-satisfaction agreement and provision of specified funds through the stated payment routes.","S001§125(d), lines788–794.","Primary historical text verified. No new installment interpretation or currentness clearance."],["S_IL-P2-C003","Original§135 permits cancellation before complete promised performance and requires the specified refunds upon cancellation or material violation, with stated exceptions and revocation consequences.","S001§135(a)–(b), lines819–834.","Primary historical text verified. Current consolidated section remains held."],["S_IL-P2-C004","Original§135(c) requires refund within five business days after notice of cancellation and the specified accounting.","S001§135(c), lines835–840.","Exact original wording verified. No “receipt” interpretation added."],["S_IL-P2-C005","The recovered enactment uses “enrollment fee” in§125(b) and “application fee” in§135(b); the read text does not itself resolve equivalence or authorize another consumer fee.","S001§§125(b),135(b).","Mismatch verified; retention/equivalence interpretation held."],["S_IL-P2-C006","The material-violation refund trigger is in§135(b), while the express five-day deadline in§135(c) is anchored to cancellation notice.","S001§135(b)–(c).","No independently measured violation/discovery deadline established."],["S_IL-P2-C007","Original§145(9) prohibits the provider’s receipt of specified compensation from someone other than the consumer explicitly for that consumer’s settlement service.","S001§145(9), lines883–886.","Primary historical text verified. Purpose condition retained; current amendment chain held."],["S_IL-P2-C008","Original§145(10) prohibits gifts or bonuses offered/provided to consumers for signing a settlement-services contract or referring a potential/current customer.","S001§145(10), lines887–889.","Primary historical text verified. Distinct from other intermediary-referral restrictions."],["S_IL-P2-C009","PASS-02 did not obtain freshly readable current§§125,135,145 or a complete subsequent amendment chain.","F01–F07; L03; prior-dependency table.","Retrieval finding. Historical recovery does not close current-law acceptance."],["S_IL-P2-C010","Fresh official material confirms HB5384 as P.A.104-0520, signed6/26/2026; the Governor reports immediate effectiveness.","S002 HB5384 paragraph; S003 HB5384 entry.","Enactment/status freshly corroborated; exact Public Act§99 not read."],["S_IL-P2-C011","Exact current§78 and P.A.104-520§§15,25,99 remain unread; agency descriptions do not resolve precise operative scope.","F08–F11, F13; S002–S003; prior§6.5 dependency.","Held. No inference of a changed consumer cap or provider-selected adjustment."],["S_IL-P2-C012","The actual2026 adoption at50 Ill.Reg.10803 changes Part100 administrative-hearing provisions, effective7/13/2026; it does not establish a Part140/145 consumer-fee change.","S004 p.10803 action list/effective-date item; operative text beginning pp.10808–10813.","Verified for this adoption. Not a conclusion about every2026 filing."],["S_IL-P2-C013","No adopted2026 amendment changing the requested consumer-fee limits was established in the bounded investigation.","S004; L01–L04; attributed prior agenda/register checks.","Bounded negative finding. Indexes and missing search results do not prove universal absence."],["S_IL-P2-C014","Current DMSA§12 was not freshly recovered; the earlier no-separate-exit-penalty inference depends on prior§12/rule evidence, while cancellation date depends on prior§140.50.","F12–F14; S_IL-P1-S002/S003.","Prior finding retained with attribution; fresh verification held."],["S_IL-P2-C015","The bounded interpretation search located no controlling decision or formal official interpretation resolving the application/enrollment wording or a separate violation-only refund deadline.","Search-method record; S001 supplies the text requiring interpretation.","Search outcome only; not proof that no authority exists and not a completed citator review."],["S_IL-P2-C016","Part140.60/.70 and current application-checklist contents remain material unresolved dependencies.","Prior holds expressly preserved.","No new operative-rule or checklist clearance claimed."]]},{"headers":["Original claim ID","PASS-02 disposition","Exact appended qualification","New claims supporting patch"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Original claim ID","PASS-02 disposition","Exact appended qualification","New claims supporting patch"],["S_IL-P1-C017","Historically corroborated; current verification remains held","Original§125(c)’s15% ceiling and no-fee-above-principal condition were freshly read in P.A.96-1420. The contract-entry baseline still depends on the prior§10 read. Do not present PASS-02 as a fresh current-law verification of the complete claim.","C001, C009"],["S_IL-P1-C018","Historically corroborated; current verification remains held","Original§125(a)–(b) freshly confirms the one-time$50 enrollment provision and prohibited additional fee categories. The later/current consolidated version remains unread. Section135’s different “application fee” wording does not establish a second charge or automatic retention.","C001, C005, C009"],["S_IL-P1-C019","Original text freshly corroborated; interpretation hold retained","Original§125(d) was actually read. The first-installment-only permission remains unestablished; no controlling construction was recovered and currentness was not newly cleared.","C002, C009"],["S_IL-P1-C023","Prior evidence preserved; dependency attribution clarified","Fresh§12 retrieval failed. Attribute the cancellation effective date to prior Rule140.50(b)(2)–(3), and the no-separate-exit-penalty conclusion to prior§12 plus Rule140.50(c)(2). Do not attribute all cancellation mechanics to§12.","C014, C016"],["S_IL-P1-C025","Upgrade from secondary-only to original enacted primary text; retain currentness/interpretation holds","Original§135 is now actually read in P.A.96-1420. Preserve the literal five-business-day anchor after cancellation notice, the material-violation trigger, and the “application fee” exception. Do not add “receipt,” declare enrollment fees nonrefundable, or invent a violation-discovery clock.","C003–C006, C009, C015"],["S_IL-P1-C027","Enactment further corroborated; operative-clause hold retained","Fresh IDFPR material supplies the Public Act number and signing date; fresh Governor material reports immediate effectiveness. Exact§78 and P.A.§§15,25,99 remain unread. No adopted numerical consumer-fee change was established.","C010–C013"],["S_IL-P1-C037","Upgrade to original enacted primary text; current amendment chain remains held","Original§145(9)–(10) is now read. Preserve the different payer/recipient and purpose conditions. The later P.A.102-298/current§145 text remains unread; no third-party-funded workaround is approved.","C007–C009"]]},{"headers":["Component","Status after PASS-02","Claims","Exact remaining evidence or action"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status after PASS-02","Claims","Exact remaining evidence or action"],["Current§125(a)–(d)","Partial: original enactment recovered","C001–C002, C009","Obtain actually displayed current§125, or the operative P.A.102-298 text plus subsequent amendment history through the baseline."],["Contract-entry savings baseline","Prior evidence only in this pass","C009; patch C017","Recover current§10 definitions alongside the current fee provision before clearing the complete numerical premise."],["Current§125(e)","Not newly recovered","C009","Read the later operative subsection from current ILCS or P.A.102-298; do not treat original2010 text as the complete later section."],["§135 refund text","Original primary text recovered; currentness open","C003–C004, C009","Recover current§135 with source note, or an authoritative complete amendment chain from P.A.96-1420."],["Application/enrollment terminology","Unresolved interpretation","C005, C015","Locate a controlling decision or formal official interpretation of§135(b) against§125(b)."],["Material-violation-only refund clock","Unresolved interpretation","C006, C015","Obtain authority addressing the deadline when no cancellation notice supplies the statutory anchor."],["Current§145(9)–(10)","Original primary text recovered; later text open","C007–C009","Read current§145 or operative P.A.102-298§145 and subsequent history. Preserve the distinct conditions of both paragraphs."],["P.A.104-520 enactment/date","Freshly corroborated","C010","Exact effective-date clause remains a separate document-recovery item."],["§78 / P.A.§§15,25,99","Held","C011","Recover those actual clauses, including the scope of subsections(a)/(b), and reconcile them with the agency’s licensing-fee description."],["Adopted2026 numerical fee change","None established; bounded finding","C012–C013","Any claimed change must be supported by actual adopted/emergency/peremptory text, filing/effective date, authority, and affected fee provision."],["Current DMSA§12 / cancellation penalty","Fresh read held","C014","Recover current§12 or enacted§12 amendment in P.A.96-1420§905 plus subsequent history. Keep cancellation-date and fee-earning rules separately sourced."],["Part140.60/.70","Preserved material hold","C016","Obtain complete operative sections and applicable amendment history; prior indexed excerpts do not suffice."],["Current NMLS checklists","Preserved material hold","C016","Obtain readable dated Illinois DMP and settlement checklists. No filing, contact, or account access is part of this authorization."],["Earlier arithmetic examples","Not rerun or legally cleared","C009, C011, C014","Apply them only after their relevant current legal premises and earning/refund conditions are established."],["Other Illinois categories / overall acceptance","Open","—","Agreement/funds/bond/remedies beyond the narrow provisions here; collection, litigation, limitations, exemptions, secured debt, sectors, local/tribal issues, full contract and case-law work remain later required passes."]]}],"claims":[{"claim_id":"S_IL-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C001","Precise assertion":"Original enacted§125(a)–(c) contains the exclusive fee rule, one-time enrollment ceiling of$50, settlement ceiling of15% of savings, and no settlement fee where the described payment exceeds principal.","Evidence / pinpoint":"S001§125(a)–(c), lines767–787.","Status and confidence limit":"Primary historical text verified. Current version and§10 baseline not freshly cleared."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C002","Precise assertion":"Original§125(d) conditions settlement-fee collection on the enforceable full-satisfaction agreement and provision of specified funds through the stated payment routes.","Evidence / pinpoint":"S001§125(d), lines788–794.","Status and confidence limit":"Primary historical text verified. No new installment interpretation or currentness clearance."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C003","Precise assertion":"Original§135 permits cancellation before complete promised performance and requires the specified refunds upon cancellation or material violation, with stated exceptions and revocation consequences.","Evidence / pinpoint":"S001§135(a)–(b), lines819–834.","Status and confidence limit":"Primary historical text verified. Current consolidated section remains held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C004","Precise assertion":"Original§135(c) requires refund within five business days after notice of cancellation and the specified accounting.","Evidence / pinpoint":"S001§135(c), lines835–840.","Status and confidence limit":"Exact original wording verified. No “receipt” interpretation added."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C005","Precise assertion":"The recovered enactment uses “enrollment fee” in§125(b) and “application fee” in§135(b); the read text does not itself resolve equivalence or authorize another consumer fee.","Evidence / pinpoint":"S001§§125(b),135(b).","Status and confidence limit":"Mismatch verified; retention/equivalence interpretation held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C006","Precise assertion":"The material-violation refund trigger is in§135(b), while the express five-day deadline in§135(c) is anchored to cancellation notice.","Evidence / pinpoint":"S001§135(b)–(c).","Status and confidence limit":"No independently measured violation/discovery deadline established."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C007","Precise assertion":"Original§145(9) prohibits the provider’s receipt of specified compensation from someone other than the consumer explicitly for that consumer’s settlement service.","Evidence / pinpoint":"S001§145(9), lines883–886.","Status and confidence limit":"Primary historical text verified. Purpose condition retained; current amendment chain held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C008","Precise assertion":"Original§145(10) prohibits gifts or bonuses offered/provided to consumers for signing a settlement-services contract or referring a potential/current customer.","Evidence / pinpoint":"S001§145(10), lines887–889.","Status and confidence limit":"Primary historical text verified. Distinct from other intermediary-referral restrictions."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C009","Precise assertion":"PASS-02 did not obtain freshly readable current§§125,135,145 or a complete subsequent amendment chain.","Evidence / pinpoint":"F01–F07; L03; prior-dependency table.","Status and confidence limit":"Retrieval finding. Historical recovery does not close current-law acceptance."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C010","Precise assertion":"Fresh official material confirms HB5384 as P.A.104-0520, signed6/26/2026; the Governor reports immediate effectiveness.","Evidence / pinpoint":"S002 HB5384 paragraph; S003 HB5384 entry.","Status and confidence limit":"Enactment/status freshly corroborated; exact Public Act§99 not read."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C011","Precise assertion":"Exact current§78 and P.A.104-520§§15,25,99 remain unread; agency descriptions do not resolve precise operative scope.","Evidence / pinpoint":"F08–F11, F13; S002–S003; prior§6.5 dependency.","Status and confidence limit":"Held. No inference of a changed consumer cap or provider-selected adjustment."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C012","Precise assertion":"The actual2026 adoption at50 Ill.Reg.10803 changes Part100 administrative-hearing provisions, effective7/13/2026; it does not establish a Part140/145 consumer-fee change.","Evidence / pinpoint":"S004 p.10803 action list/effective-date item; operative text beginning pp.10808–10813.","Status and confidence limit":"Verified for this adoption. Not a conclusion about every2026 filing."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C013","Precise assertion":"No adopted2026 amendment changing the requested consumer-fee limits was established in the bounded investigation.","Evidence / pinpoint":"S004; L01–L04; attributed prior agenda/register checks.","Status and confidence limit":"Bounded negative finding. Indexes and missing search results do not prove universal absence."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C014","Precise assertion":"Current DMSA§12 was not freshly recovered; the earlier no-separate-exit-penalty inference depends on prior§12/rule evidence, while cancellation date depends on prior§140.50.","Evidence / pinpoint":"F12–F14; S_IL-P1-S002/S003.","Status and confidence limit":"Prior finding retained with attribution; fresh verification held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C015","Precise assertion":"The bounded interpretation search located no controlling decision or formal official interpretation resolving the application/enrollment wording or a separate violation-only refund deadline.","Evidence / pinpoint":"Search-method record; S001 supplies the text requiring interpretation.","Status and confidence limit":"Search outcome only; not proof that no authority exists and not a completed citator review."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_IL-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_IL-P2-C016","Precise assertion":"Part140.60/.70 and current application-checklist contents remain material unresolved dependencies.","Evidence / pinpoint":"Prior holds expressly preserved.","Status and confidence limit":"No new operative-rule or checklist clearance claimed."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_IL-P2-S001","urls":["https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm"],"researcher_record":{"Source ID":"S_IL-P2-S001","Document / issuer / jurisdiction":"Public Act 96-1420 — Illinois General Assembly; Illinois","Direct literal URL":"https://www.ilga.gov/documents/legislation/PublicActs/96/096-1420.htm","Actual pinpoint and read extent":"Actual HTML display: §125(a)–(d), lines767–794; §135(a)–(d), lines817–846; §145 introduction and (9)–(10), lines849–850 and883–889. Successful relevant display covered lines704–1150.","Version, legal status, and limitation":"Original enacted text, not a freshly verified current compilation. Effective-date footer was not displayed. PASS-01’s reported effective-date/source-note evidence is attributed separately. Later reopen failures do not erase the successful reading."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_IL-P2-S002","urls":["https://idfpr.illinois.gov/ola.html","https://idfpr.illinois.gov/ola.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_IL-P2-S002","Document / issuer / jurisdiction":"Office of Legislative Affairs — IDFPR; Illinois","Direct literal URL":"https://idfpr.illinois.gov/ola.html","Actual pinpoint and read extent":"“IDFPR Spring2026 Legislative Initiatives,” HB5384 paragraph, lines72–73.","Version, legal status, and limitation":"Fresh official explanation identifying P.A.104-0520, signed6/26/2026, and licensing-fee rulemaking purpose. Not the operative Act or an adopted fee schedule."},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_IL-P2-S003","urls":["https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz","https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_IL-P2-S003","Document / issuer / jurisdiction":"“Gov. Pritzker Takes Bill Action” — Illinois Office of the Governor / State of Illinois Newsroom; Illinois","Direct literal URL":"https://gov-pritzker-newsroom.prezly.com/gov-pritzker-takes-bill-action-d45ziz","Actual pinpoint and read extent":"Date 6/26/2026, lines5–9; HB5384 entry, lines343–348.","Version, legal status, and limitation":"Fresh executive confirmation: signed, effective immediately. Does not replace the unread Public Act§99 or supply the complete operative clauses."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_IL-P2-S004","urls":["https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf","https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_IL-P2-S004","Document / issuer / jurisdiction":"Illinois Register, vol.50, issue30 — Secretary of State / IDFPR; Illinois","Direct literal URL":"https://www.ilsos.gov/content/dam/departments/index/register/volume50/register_volume50_30.pdf","Actual pinpoint and read extent":"Part100 adoption printed pp.10803–10825; adopted-action list/effective-date item at p.10803; relevant operative definitions and hearing provisions beginning pp.10808–10813, with additional operative passages examined.","Version, legal status, and limitation":"Published 7/24/2026; adopted amendments effective 7/13/2026. Actual procedural adoption, not a consumer-fee amendment. State-hosted electronic reproduction carries the publisher limitation recorded below; no claim to a certified print copy or reading every unrelated page of the issue."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Current§125(a)–(d)","researcher_record":{"Component":"Current§125(a)–(d)","Status after PASS-02":"Partial: original enactment recovered","Claims":"C001–C002, C009","Exact remaining evidence or action":"Obtain actually displayed current§125, or the operative P.A.102-298 text plus subsequent amendment history through the baseline."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Contract-entry savings baseline","researcher_record":{"Component":"Contract-entry savings baseline","Status after PASS-02":"Prior evidence only in this pass","Claims":"C009; patch C017","Exact remaining evidence or action":"Recover current§10 definitions alongside the current fee provision before clearing the complete numerical premise."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current§125(e)","researcher_record":{"Component":"Current§125(e)","Status after PASS-02":"Not newly recovered","Claims":"C009","Exact remaining evidence or action":"Read the later operative subsection from current ILCS or P.A.102-298; do not treat original2010 text as the complete later section."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"§135 refund text","researcher_record":{"Component":"§135 refund text","Status after PASS-02":"Original primary text recovered; currentness open","Claims":"C003–C004, C009","Exact remaining evidence or action":"Recover current§135 with source note, or an authoritative complete amendment chain from P.A.96-1420."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Application/enrollment terminology","researcher_record":{"Component":"Application/enrollment terminology","Status after PASS-02":"Unresolved interpretation","Claims":"C005, C015","Exact remaining evidence or action":"Locate a controlling decision or formal official interpretation of§135(b) against§125(b)."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Material-violation-only refund clock","researcher_record":{"Component":"Material-violation-only refund clock","Status after PASS-02":"Unresolved interpretation","Claims":"C006, C015","Exact remaining evidence or action":"Obtain authority addressing the deadline when no cancellation notice supplies the statutory anchor."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current§145(9)–(10)","researcher_record":{"Component":"Current§145(9)–(10)","Status after PASS-02":"Original primary text recovered; later text open","Claims":"C007–C009","Exact remaining evidence or action":"Read current§145 or operative P.A.102-298§145 and subsequent history. Preserve the distinct conditions of both paragraphs."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"P.A.104-520 enactment/date","researcher_record":{"Component":"P.A.104-520 enactment/date","Status after PASS-02":"Freshly corroborated","Claims":"C010","Exact remaining evidence or action":"Exact effective-date clause remains a separate document-recovery item."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"§78 / P.A.§§15,25,99","researcher_record":{"Component":"§78 / P.A.§§15,25,99","Status after PASS-02":"Held","Claims":"C011","Exact remaining evidence or action":"Recover those actual clauses, including the scope of subsections(a)/(b), and reconcile them with the agency’s licensing-fee description."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Adopted2026 numerical fee change","researcher_record":{"Component":"Adopted2026 numerical fee change","Status after PASS-02":"None established; bounded finding","Claims":"C012–C013","Exact remaining evidence or action":"Any claimed change must be supported by actual adopted/emergency/peremptory text, filing/effective date, authority, and affected fee provision."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current DMSA§12 / cancellation penalty","researcher_record":{"Component":"Current DMSA§12 / cancellation penalty","Status after PASS-02":"Fresh read held","Claims":"C014","Exact remaining evidence or action":"Recover current§12 or enacted§12 amendment in P.A.96-1420§905 plus subsequent history. Keep cancellation-date and fee-earning rules separately sourced."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Part140.60/.70","researcher_record":{"Component":"Part140.60/.70","Status after PASS-02":"Preserved material hold","Claims":"C016","Exact remaining evidence or action":"Obtain complete operative sections and applicable amendment history; prior indexed excerpts do not suffice."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current NMLS checklists","researcher_record":{"Component":"Current NMLS checklists","Status after PASS-02":"Preserved material hold","Claims":"C016","Exact remaining evidence or action":"Obtain readable dated Illinois DMP and settlement checklists. No filing, contact, or account access is part of this authorization."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Earlier arithmetic examples","researcher_record":{"Component":"Earlier arithmetic examples","Status after PASS-02":"Not rerun or legally cleared","Claims":"C009, C011, C014","Exact remaining evidence or action":"Apply them only after their relevant current legal premises and earning/refund conditions are established."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Other Illinois categories / overall acceptance","researcher_record":{"Component":"Other Illinois categories / overall acceptance","Status after PASS-02":"Open","Claims":"—","Exact remaining evidence or action":"Agreement/funds/bond/remedies beyond the narrow provisions here; collection, litigation, limitations, exemptions, secured debt, sectors, local/tribal issues, full contract and case-law work remain later required passes."},"coordinator_acceptance":"reviewed_component_row_parent_and_material_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}