{"meta":{"key":"s_ks--pass-02","task":"S_KS","title":"Bounded precision-correction addendum","parent_title":"Kansas debt and debt relief law","edition":"pass-02","path":"/research/s_ks--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":17,"sources":9,"review_status":"accepted_with_limits","review_complete":true,"sha256":"487ef185555f5376c14133cd686eb87536e6d1d688735ce01fa131bb64aec8d2","headings":["Bounded precision-correction addendum","A1. Replace the A3.1 electronic-processing fee row","Replacement for S_KS-P1-C026","A2. Replace PASS-01 Example E08 only","E08 — Insufficient payment and electronic processing: corrected two-branch predicate","A3. Replace A4.4 credit-repair timing paragraph","Replacement for S_KS-P1-C036","A4. Replace the A4.2/C033 debt-relief timing shorthand","Replacement for S_KS-P1-C033","A5. Attorney-exemption prose replacement","A6. Nazar qualification replacement","Freshly checked in PASS-02","Preserved supplied or prior-read history","Not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","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_KS/pass-02","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyreviewedprecisionpatch:electronicpaymentagreementpredicate/TSRcreditrepairfullconditions/selectedsourcepinpointsandversionaccessqualifications;nofullreportorunresolvedarchitecturererun","pending_corrections":0},"markdown":"# SettleADebt.com — S_KS, PASS-02\n\n## Bounded precision-correction addendum\n\n**Correction access date:** October 25, 2026, America/Los_Angeles\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Same-project correction, not an independent review.\n**Preservation rule:** PASS-01 remains unchanged except for the express replacement text, source records, claim records, example E08, and coverage labels below. The other nine worked examples, all matched arithmetic, and the preserved hashes are not regenerated or displaced.\n\n# A. Substantive replacement text\n\n## A1. Replace the A3.1 electronic-processing fee row\n\n| Fee category | Corrected Kansas rule | Conditions and limits |\n| --- | --- | --- |\n| Optional electronic-payment processing | Up to **$5 to process a payment made electronically** | The individual charge must be authorized by the consumer. Separately, **no charge may be assessed where the consumer has agreed to make all scheduled payments electronically**. The no-charge predicate is the consumer’s agreement, not merely the consumer’s later payment behavior. The $5 figure is a statutory maximum on the charge; it is not a reimbursement formula tied to the provider’s actual processing expense. |\n\nK.S.A. 50-1126(b)(8) contains two distinct predicates: the electronic-processing charge must be “authorized by the consumer,” while the no-charge sentence applies where the consumer “has agreed to make all scheduled payments by electronic means.” Actual use of electronic payments, standing alone, is therefore not the statutory no-charge test. Conversely, later deviation from an all-electronic agreement does not, by itself, establish that the agreement ceased to exist or that a charge became permissible; modification, withdrawal, waiver, breach, and changed-schedule consequences remain unaddressed by the reviewed text. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\nThe following PASS-01 conditions remain unchanged:\n\n- Except for K.S.A. 50-1126(b)(5), the agreement-execution prerequisite in subsection (a) still applies.\n- No extra agreement-related financial-analysis, initial-budget, debt-management-counseling, required-education, or rescission fee is allowed under subsection (d).\n- An unauthorized payment causes the agreement to be void and requires return of the unauthorized amount, except where the statutory accidental-and-bona-fide-error qualification applies.\n- The $75 consultation ceiling and monthly min($40, $5 × listed creditors) formula are not altered by this correction. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\n### Replacement for S_KS-P1-C026\n\n**Corrected assertion:** K.S.A. 50-1126(b)(7) permits up to $30 one time for each insufficient payment. Subsection (b)(8) separately permits up to $5 to process a payment made electronically if the consumer authorizes that charge, but prohibits assessment of that electronic-processing charge where the consumer has agreed to make all scheduled payments electronically. The prohibition turns on the agreement predicate, not actual payment behavior alone. The reviewed provision does not establish an actual-expense reimbursement formula. Whether the NSF and electronic-processing categories can both apply to the same transaction remains held; PASS-01 E08 continues to treat them as separate events. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\n## A2. Replace PASS-01 Example E08 only\n\n### E08 — Insufficient payment and electronic processing: corrected two-branch predicate\n\nThe insufficient-payment event and the later electronic-payment event remain separate. No same-event stacking conclusion is supplied.\n\n| Branch | Agreement facts | Individual electronic-charge authorization | Corrected result |\n| --- | --- | --- | --- |\n| **A — No all-scheduled-electronic agreement** | The consumer has **not agreed** to make all scheduled payments electronically. A later, separate payment is made electronically. | If the consumer authorizes the electronic-processing charge, the state maximum is min(proposed charge, $5). If the charge is not authorized, subsection (b)(8) supplies no charge authority. | The formula illustrates only the statutory ceiling. It is **not** min(actual processor expense, $5), and it does not establish the amount actually incurred or charged. A separate insufficient-payment event remains subject to its own maximum of up to $30 one time for that insufficient payment. |\n| **B — All-scheduled-electronic agreement exists** | The consumer **has agreed** to make all scheduled payments electronically. Later actual payment behavior may or may not follow that agreement. | Individual authorization does not erase the statute’s separate no-charge sentence. | On the stated agreement facts, subsection (b)(8) says no electronic-processing charge shall be assessed. Later actual behavior alone does not prove that the agreement was modified or terminated. The effect of a valid amendment, withdrawal, waiver, breach, or schedule change remains unresolved, so no different transaction outcome or amount is invented. |\n\nSource: K.S.A. 50-1126(b)(7)–(8). [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\n## A3. Replace A4.4 credit-repair timing paragraph\n\nWhere the Telemarketing Sales Rule actually applies to goods or services represented to remove derogatory credit information or improve a person’s credit history, record, or rating, 16 C.F.R. §310.4(a)(2) prohibits requesting or receiving the fee until **both** of the following have occurred:\n\n1. The represented time frame for providing **all** the goods or services has expired.\n2. The seller has provided the person documentation in the form of a consumer report from a consumer reporting agency demonstrating that the promised results were achieved, and that report was issued **more than six months after the results were achieved**.\n\nA report’s mere existence is insufficient. Six months from contract execution or service enrollment is not the rule. A report issued exactly six months after the achieved results is also insufficient because the regulation says more than six months. The seller must provide the qualifying report to the person. The regulation also preserves the Fair Credit Reporting Act requirement that a consumer report be obtained only for a specified permissible purpose. This is conditional TSR credit-repair timing; it does not establish universal TSR coverage, actual achievement of any result, CROA coverage or exemption, Kansas fee authority, or actual fee earning. The eCFR text was freshly checked for this addendum and displayed Title 16 as current through October 22, 2026. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Replacement for S_KS-P1-C036\n\n**Corrected assertion:** Actual credit-improvement representations may conditionally implicate CROA and the separate TSR credit-repair timing rule. When 16 C.F.R. §310.4(a)(2) applies, the represented time frame for all goods or services must have expired, and the seller must have provided the person a consumer-reporting-agency report demonstrating the promised results, issued more than six months after those results were achieved. A report merely existing, a six-month period measured from contract execution, or a report issued exactly six months after the achieved results does not satisfy that text. The FCRA permissible-purpose proviso remains. CROA’s separate definition, exclusions, and full-performance rule do not become Kansas exemptions and remain fact-dependent. [eCFR+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## A4. Replace the A4.2/C033 debt-relief timing shorthand\n\nWhen the TSR applies to a debt-relief service, 16 C.F.R. §310.4(a)(5)(i) requires more than an altered debt and an unspecified payment. Before requesting or receiving a fee:\n\n1. The seller or telemarketer must have renegotiated, settled, reduced, or otherwise altered at least one debt pursuant to a settlement agreement, debt-management plan, or other **valid contractual agreement executed by the customer**.\n2. The customer must have made at least one payment pursuant to that agreement between the customer and the creditor or debt collector.\n3. Where enrolled debts are altered individually, the applicable proportional-allocation or uniform-savings-percentage condition must also be satisfied.\n\nThose federal conditions govern timing and allocation of an otherwise lawful fee when the TSR applies. They do not create a Kansas percentage-fee category, establish universal TSR coverage, prove that any fee was earned, or displace the state-law fee analysis. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Replacement for S_KS-P1-C033\n\n**Corrected assertion:** When the TSR debt-relief provision applies, requesting or receiving a fee requires at least one altered debt pursuant to a valid contractual agreement executed by the customer, at least one customer payment pursuant to that agreement between the customer and the creditor or debt collector, and all applicable subsection (a)(5)(i)(C) allocation conditions where debts are altered individually. Coverage remains channel- and fact-specific, and satisfaction of the federal timing rule does not authorize a fee that Kansas law does not otherwise permit. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## A5. Attorney-exemption prose replacement\n\n*Hays v. Ruther* answered a certified legal question under the 2005 KCSOA version: the law firm of an attorney who qualified for the attorney exemption also shared that exemption. The Kansas Supreme Court used the 2012 amendment as a clarification of the earlier text and expressly left factual application to the federal court. It did not decide that any particular defendant entity actually qualified. [Justia Law+2](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html)\n\nUnder the current statute and the pleading-stage *Williamson* decision, a generic law-firm name, contractual characterization, or attorney signature does not alone establish the exemption. The required issues include actual work by a Kansas-licensed attorney within the course and scope of that attorney’s practice **and** the entity’s qualifying relationship as that attorney’s law firm. *Williamson* treated the exemption as an affirmative defense and denied dismissal of Counts II and III; it was not a final merits determination or provider authorization. The order was signed and filed November 5, 2025, notwithstanding the search-result title’s November 6 date. [District of Kansas Bankruptcy Court+3](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf)\n\n## A6. Nazar qualification replacement\n\n*Nazar v. Allied Consumer Services* was signed and filed April 16, 2012; the public search title displays April 17. The selected procedure, facts, and classification portions show that Allied submitted no proper answer, a default was entered, it filed no response to the later summary-judgment motion, and the court relied on properly supported, undisputed facts. The decision applied the former registration regime to a noncustodial settlement arrangement in which the consumer was to pay creditors directly. It remains persuasive functional-coverage evidence, but it is not a modern, contested interpretation of the current licensing statute. [District of Kansas Bankruptcy Court+3](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf)\n\n# B. Exact old-to-new cell and pinpoint matrix\n\n| PASS-01 cell or alias | PASS-01 defect or imprecision | PASS-02 replacement | New source/claim record |\n| --- | --- | --- | --- |\n| **A3.1 electronic-processing fee row** | Said or implied that actual all-electronic payment behavior caused the waiver. | No-charge rule turns on the consumer having **agreed** to make all scheduled payments electronically; individual charge separately requires authorization. | P2-C001–C003; P2-S001, P2-S002 |\n| **S_KS-P1-C026** | “$0 if all scheduled payments are electronic” omitted the agreement predicate. | Replace with the exact authorization/all-electronic-agreement distinction in A1. | P2-C001–C003 |\n| **PASS-01 E08** | Used actual-payment phrasing and a charge formula that could be misunderstood as expense reimbursement. | Replace only with the two-branch table in A2. | P2-C001–C003 |\n| **A4.4** | Credit-repair timing description was incomplete. | Add expiration of represented time frame for all goods/services, seller-provided CRA report demonstrating results, report issued more than six months after results, and FCRA proviso. | P2-C005–C006; P2-S003 |\n| **S_KS-P1-C036** | Did not state every TSR §310.4(a)(2) prerequisite precisely. | Replace with corrected claim in A3. | P2-C005–C006, P2-C016 |\n| **A4.2 / S_KS-P1-C033** | “Altered debt and one payment” shorthand omitted execution and relationship language. | Add valid contractual agreement executed by the customer, payment under the customer-creditor/collector agreement, and applicable allocation conditions. | P2-C007–C008; P2-S003 |\n| **S_KS-P1-S001** | Described the 22-page PDF without consistently distinguishing PDF-page and printed-page labels. | Bond: PDF page 5/index 4/printed CSO Statutes 4. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Article 25 outline: PDF page 21/index 20. Rule: PDF page 22/index 21/printed CSO Regulation 1. | P2-S002 |\n| **S_KS-P1-S004** | Direct rule and compilation access were not sharply distinguished. | Direct rules endpoint remained unrecovered and returned 405; rule text was read in the official OSBC compilation. | P2-S002 |\n| **S_KS-P1-C010** | “S001 p.4” mixed page systems. | Bond pinpoint becomes PDF page 5/index 4/printed CSO Statutes–Page 4. | P2-C009 |\n| **S_KS-P1-C039** | “S001 pp.20–21” did not distinguish outline from full rule. | Article outline is PDF page 21/index 20; complete K.A.R. 17-25-1 is PDF page 22/index 21/printed CSO Regulation–Page 1. | P2-C010 |\n| **S_KS-P1-C044** | Source cell pointed generally to S004. | Governmental $400/$150 charges pinpoint to K.A.R. 17-25-1 on PDF page 22/index 21/printed regulation page 1. | P2-C011 |\n| **S_KS-P1-S012 / C012** | Pages 5–7 omitted the full relevant pleading analysis and relationship condition. | Allegations: printed page 4/index 3. Counts II/III analysis: printed pages 6–9/indices 5–8. Signed/filed November 5, 2025. | P2-S004; P2-C012 |\n| **S_KS-P1-S013** | “April 2012” was accurate but imprecise; read scope and procedural posture needed refinement. | Signed/filed April 16, 2012; selected procedure/facts/classification read, not the entire nine pages; registration-era, default and properly supported uncontested summary judgment. | P2-S005; P2-C014 |\n| **S_KS-P1-S011 / C012** | Current accessible route and statute-version relationship needed correction. | Official routes remained 403; newly relied-on route is the HTML opinion reproduction, selected opinion text—not editorial summary. Case construes 2005 law with 2012 clarification and leaves factual qualification open. | P2-S006; P2-C013 |\n| **S_KS-P1-S002 / S003** | “Updated” website data risked being read as legal effective-date evidence, and Article-wide reading was overstated. | Pages are labeled 2026; website update timestamps are data observations only. Actual scope was the selected sections, not every Article 11 section or an exhaustive 2026 amendment audit. | P2-S001; P2-C015 |\n| **S_KS-P1-S017** | Claimed chapter front matter through Public Law 119-124. | OLRC §§1679a–1679b showed currency through Public Law 119-120, October 7, 2026. GovInfo source remains the 2023 edition. No 119-124 consolidation claim. | P2-S007; P2-C016 |\n| **S_KS-P1-S010 / C031** | Needed exact page systems and approval/effect distinction. | §22: PDF indices 315–317/printed pages 306–308. §27: index 321/printed page 312. Approved April 18, 2017; effective upon statute-book publication; volume publication/authentication July 1, 2017. | P2-S008; P2-C017 |\n| **S_KS-P1-S009 / C031** | Historical source scope needed explicit limitation. | Complete 2004 New §11 was read; $50/$20/$5 are historical only. No full act or later-amendment audit is implied. | P2-S009; P2-C017 |\n\n# C. PASS-02 source table\n\n| Source ID | Old alias | Authority and direct literal URL | Exact pinpoint and actual access | Fresh/reused status and limitations |\n| --- | --- | --- | --- | --- |\n| **S_KS-P2-S001** | S_KS-P1-S002; S_KS-P1-S003 | Kansas Revisor, selected 2026 statute pages: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/; .../050_011_0017_section/050_011_0017_k/; .../050_011_0018_section/050_011_0018_k/; .../050_011_0020_section/050_011_0020_k/; .../050_011_0021_section/050_011_0021_k/; .../050_011_0022_section/050_011_0022_k/; .../050_011_0026_section/050_011_0026_k/; criminal page https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/ | Freshly read selected sections 50-1116, 50-1117, 50-1118, 50-1120, 50-1121, 50-1122, complete 50-1126(a)–(e) and history, and 21-6502. | Accessed Oct. 25, 2026. Pages label themselves “2026 Kansas Statutes.” Displayed website-data timestamps are not enactment or effective dates. This was not a complete Article 11 or later-amendment audit. [Kansas Legislature+7](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/) |\n| **S_KS-P2-S002** | S_KS-P1-S001; S_KS-P1-S004 | Kansas OSBC, *2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act*: https://osbckansas.gov/legal/cso_2026.pdf; direct rule endpoint attempted: https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/policies/81222fe9-951e-4611-a969-d681272756bb | 22 total PDF pages. Bond: PDF page 5/index 4/printed CSO Statutes 4. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1. | Freshly parsed and visually checked relevant pages Oct. 25. It is 22 PDF pages, not 22 printed statute pages. Direct rule endpoint returned 405 and was not newly read directly. [Kansas Bank Commissioner+5](https://osbckansas.gov/legal/cso_2026.pdf) |\n| **S_KS-P2-S003** | S_KS-P1-S015 | eCFR, 16 C.F.R. §310.4: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | Fresh read of §310.4(a)(2) and §310.4(a)(5)(i)(A)–(C), with dedicated-account context retained only as needed. | Accessed Oct. 25. Page displayed Title 16 up to date as of Oct. 22, 2026 and describes eCFR as authoritative but unofficial. No universal TSR applicability inferred. [eCFR+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_KS-P2-S004** | S_KS-P1-S012 | *Williamson v. Hailstone Legal Group, LLC*, Adv. No. 25-05004, Doc. 46: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf | Complete nine-page parsed text was part of the supplied coordinator read. P2 freshly verified signed/filed date on printed page 1; allegations on printed page 4/index 3; Counts II/III analysis on printed pages 6–9/indices 5–8. | Order signed and filed Nov. 5, 2025; search title’s Nov. 6 date is not the filing date. Motion-to-dismiss ruling, affirmative-defense treatment, and no final merits or provider authorization. [District of Kansas Bankruptcy Court+5](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf) |\n| **S_KS-P2-S005** | S_KS-P1-S013 | *Nazar v. Allied Consumer Services, LLC*, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf | Fresh selected read/visual check: signed/filed page 1; procedure on printed pages 1–3; facts and classification on printed pages 4–6. Not the complete nine-page opinion. | Signed/filed Apr. 16, 2012; search title shows Apr. 17. Former registration statute, defective response/default, no summary-judgment opposition, and properly supported undisputed facts. Not a modern contested licensing holding. [District of Kansas Bankruptcy Court+5](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf) |\n| **S_KS-P2-S006** | S_KS-P1-S011 | *Hays v. Ruther*. Official landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/Hays-v-Ruther; inferred official PDF: https://kscourts.gov/KSCourts/media/KsCourts/Opinions/108351.pdf?ext=.pdf; opinion reproduction actually used for P2: https://law.justia.com/cases/kansas/supreme-court/2013/108351.html; prior P1 mirror route: https://cases.justia.com/kansas/supreme-court/108351.pdf?ts=1462346836 | Fresh P2 read of the reproduced opinion’s syllabus, identity, first certified question, 2005-version discussion, 2012 clarification, and factual-reservation passages. Editorial summary was not used as authority. | Official landing and inferred official PDF returned 403. The coordinator’s separate check found the older PDF routes inaccessible; that does not retroactively alter P1’s earlier recorded PDF read. No citator search, official-byte-identity claim, or complete-case-law audit. (Invalid URL) |\n| **S_KS-P2-S007** | S_KS-P1-S017 | OLRC 15 U.S.C. §1679a: https://uscode.house.gov/us/usc/119-118/t15/s1679a/; OLRC §1679b: https://uscode.house.gov/us/usc/119-118/t15/s1679b/; GovInfo 2023 §1679b: https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapII-A-sec1679b.htm | Freshly checked OLRC currency statement and operative definition/payment passages; GovInfo source retained as the identified 2023-edition verification route. | OLRC pages stated currency through Public Law 119-120, Oct. 7, 2026, despite the URL path. No Public Law 119-124 chapter-front-matter claim is retained. Actual CROA applicability remains held. [U.S. Code+2](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) |\n| **S_KS-P2-S008** | S_KS-P1-S010 | 2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf | §22: PDF indices 315–317, printed pages 306–308. §27 and approval line: PDF index 321, printed page 312. Volume publication and authentication: indices 0–1. | Fresh selected verification, not all 1,135 PDF pages or entire ch. 52. $50→$75; $20→$40; $5 unchanged. The deleted old $50 counseling formulation is not current law. Approved Apr. 18, 2017; effective upon statute-book publication; volume published/authenticated July 1, 2017. [Kansas Secretary of State+5](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf) |\n| **S_KS-P2-S009** | S_KS-P1-S009 | 2004 Kansas Session Laws, ch. 22, S.B. 509: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf | Complete New §11 read across PDF indices 4–5: historical $50 consultation, lesser of $20 or $5 per listed creditor, former counseling rule, add-on prohibitions, and unauthorized-fee consequence. | Fresh selected verification. Historical source only; no complete 2004 act or later-amendment audit implied. [Kansas Legislature+2](https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf) |\n\n# D. PASS-02 claim table\n\n| Claim ID | Old alias | Corrected precise assertion | Sources and pinpoints | Conditions and confidence |\n| --- | --- | --- | --- | --- |\n| **S_KS-P2-C001** | A3.1; S_KS-P1-C026 | An electronic-processing charge may be up to $5 for a payment made electronically only if authorized by the consumer. | P2-S001, §50-1126(b)(8); P2-S002, PDF page 13/index 12/printed 12. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/) | High. Authorization concerns the individual charge. |\n| **S_KS-P2-C002** | A3.1; S_KS-P1-C026; E08 | No electronic-processing charge may be assessed where the consumer has agreed to make all scheduled payments electronically. The predicate is the agreement, not actual behavior alone. | P2-S001/P2-S002, same pinpoints. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/) | High for the text. Agreement-modification consequences remain held. |\n| **S_KS-P2-C003** | E08 | min(proposed charge, $5) illustrates a maximum; subsection (b)(8) does not establish reimbursement of actual processor expense. The NSF and later electronic-payment events remain separate, and same-event stacking is unresolved. | P2-S001, §50-1126(b)(7)–(8). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/) | High for cap structure; stacking held. |\n| **S_KS-P2-C004** | S_KS-P1-C019, C028, C029 | Except for subsection (b)(5), agreement execution remains the prerequisite; specified add-on fees remain prohibited; unauthorized amounts retain the void/return consequence subject to accidental bona fide error. | P2-S001, §50-1126(a), (d), (e); P2-S002, PDF pages 12–14/indices 11–13/printed 11–13. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/) | Unchanged PASS-01 rule. |\n| **S_KS-P2-C005** | A4.4; S_KS-P1-C036 | TSR credit-repair fee timing requires expiration of the represented time frame for all goods or services and seller-provided CRA documentation demonstrating promised results. | P2-S003, §310.4(a)(2)(i)–(ii). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High federal text; applicability conditional. |\n| **S_KS-P2-C006** | A4.4; S_KS-P1-C036 | The qualifying report must have been issued more than six months after results were achieved; contract-date measurement, mere report existence, or exactly six months is insufficient. FCRA permissible purpose remains. | P2-S003, §310.4(a)(2)(ii). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High. No actual result or report inferred. |\n| **S_KS-P2-C007** | A4.2; S_KS-P1-C033 | When applicable, TSR debt-relief timing requires alteration of at least one debt under a valid contractual agreement executed by the customer and at least one payment under that customer-creditor/collector agreement. | P2-S003, §310.4(a)(5)(i)(A)–(B). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High federal text; coverage fact-specific. |\n| **S_KS-P2-C008** | A4.2; S_KS-P1-C034 | Individually altered debts must satisfy the applicable proportional or uniform-savings allocation rule; those rules do not create Kansas fee authority or prove earning. | P2-S003, §310.4(a)(5)(i)(C); P2-S001, §50-1126. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High separation of federal timing from state authority. |\n| **S_KS-P2-C009** | S_KS-P1-C010 | Statutory bond remains $25,000, with rulemaking authority for an increase up to $1 million. Correct OSBC pinpoint is PDF page 5/index 4/printed CSO Statutes–Page 4. | P2-S002. [Kansas Bank Commissioner](https://osbckansas.gov/legal/cso_2026.pdf) | Amount unchanged; no increase rule established. |\n| **S_KS-P2-C010** | S_KS-P1-C039 | The current OSBC compilation’s Article 25 outline lists only K.A.R. 17-25-1; the complete rule appears on PDF page 22/index 21/printed CSO Regulation–Page 1. | P2-S002. [Kansas Bank Commissioner+1](https://osbckansas.gov/legal/cso_2026.pdf) | High for the compilation reviewed; direct endpoint remained 405. |\n| **S_KS-P2-C011** | S_KS-P1-C044 | K.A.R. 17-25-1 states $400 initial and $150 renewal governmental provider charges; these are not consumer-fee ceilings. | P2-S002, PDF page 22/index 21/printed regulation page 1. [Kansas Bank Commissioner](https://osbckansas.gov/legal/cso_2026.pdf) | Unchanged substance; corrected pinpoint. |\n| **S_KS-P2-C012** | S_KS-P1-C012, Williamson branch | At the pleading stage, the attorney exemption is an affirmative defense; it requires actual qualifying Kansas attorney practice and the qualifying law-firm relationship. Signature, name, or self-characterization alone did not establish it. | P2-S004, printed pages 6–9/indices 5–8. [District of Kansas Bankruptcy Court+3](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf) | Persuasive bankruptcy decision; not final merits or provider approval. |\n| **S_KS-P2-C013** | S_KS-P1-C012, Hays branch | *Hays* construed the 2005 version, treated the 2012 amendment as clarification, held that an exempt attorney’s firm shares the exemption, and left actual defendant qualification to fact-finding. | P2-S006, opinion reproduction syllabus and first certified-question discussion. [Justia Law+2](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html) | Controlling legal answer; factual application open. |\n| **S_KS-P2-C014** | S_KS-P1-S013; functional support for C005 | *Nazar* was signed/filed Apr. 16, 2012 and arose under the registration regime after a defective response/default and an unopposed, properly supported summary-judgment record. | P2-S005, printed pages 1–6. [District of Kansas Bankruptcy Court+3](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf) | Persuasive functional evidence; not a modern contested license holding. |\n| **S_KS-P2-C015** | S_KS-P1-S002/S003 source-status language | The selected Revisor pages label themselves 2026 statutes. Their website-data timestamps are observations, not proof of enactment/effective dates or an exhaustive amendment audit. | P2-S001. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/) | High as source-handling correction. |\n| **S_KS-P2-C016** | S_KS-P1-S017; C036 source status | OLRC §§1679a–1679b displayed currency through Public Law 119-120, Oct. 7, 2026; GovInfo source is the 2023 edition. No Public Law 119-124 currency claim remains. | P2-S007. [U.S. Code+2](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) | CROA applicability remains unresolved on actual facts. |\n| **S_KS-P2-C017** | S_KS-P1-C031 | The 2004 statute used $50/$20/$5. The 2017 amendment changed $50→$75 and $20→$40 while leaving $5 unchanged; it also deleted the former $50 counseling ceiling rather than carrying it into current law. Chapter 52 was approved Apr. 18, 2017 and took effect upon statute-book publication, with volume publication/authentication on July 1, 2017. | P2-S008, printed 306–308 and 312; P2-S009, New §11. [Kansas Secretary of State+7](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf) | High for selected history. Not a full later-amendment audit. |\n\n# E. PASS-02 coverage and gap table\n\n| Correction component | PASS-02 status | Claims | Remaining exact gap or next action |\n| --- | --- | --- | --- |\n| K.S.A. 50-1126(b)(8) individual-charge authorization | **Corrected/answered** | P2-C001 | None for the textual predicate. |\n| All-scheduled-electronic agreement waiver | **Corrected/answered** | P2-C002 | None for the textual predicate. |\n| Later behavior differing from all-electronic agreement | **Unresolved** | P2-C002 | Determine effect of valid amendment, withdrawal, waiver, breach, or schedule modification through contract facts, rules, orders, or case law. |\n| Processor expense versus statutory cap | **Corrected/answered** | P2-C003 | No actual transaction expense or charge determined. |\n| NSF/electronic same-event stacking | **Unresolved, preserved** | P2-C003 | Seek Kansas interpretation or enforcement treatment. |\n| Agreement prerequisite, add-on prohibitions, unauthorized-fee consequence | **Preserved unchanged** | P2-C004 | No additional correction needed. |\n| TSR credit-repair timing | **Corrected/answered as conditional federal rule** | P2-C005–C006 | Actual representation, TSR coverage, report, achieved result, permissible purpose, and payment facts remain provider-specific. |\n| TSR debt-relief trigger | **Corrected/answered as conditional federal rule** | P2-C007 | Actual coverage, valid agreement, alteration, and payment facts remain provider-specific. |\n| TSR allocation/state-authority separation | **Corrected/answered** | P2-C008 | No Kansas percentage-fee authority or actual earning inferred. |\n| OSBC PDF page systems | **Corrected** | P2-C009–C011 | None. |\n| Direct Kansas rules endpoint | **Unresolved access route** | P2-C010 | Endpoint returned 405; later recovery may verify the direct rule page separately. |\n| *Williamson* date, pinpoints, and exemption conditions | **Corrected** | P2-C012 | Final merits and entity-specific qualification remain open. |\n| *Hays* access route, version, and factual limitation | **Corrected** | P2-C013 | Official landing/PDF remained 403; no citator or all-case review performed. |\n| *Nazar* date, read scope, and procedural posture | **Corrected** | P2-C014 | No modern contested-license appellate authority supplied. |\n| Current statute labeling and update timestamps | **Corrected** | P2-C015 | Full 2026 amendment audit remains open. |\n| CROA source currency | **Corrected** | P2-C016 | Actual CROA applicability and exclusions remain open. |\n| Historical fee and effective-date pinpoints | **Corrected** | P2-C017 | Full later-amendment audit remains open. |\n| Noncustodial agreement fit under 50-1120(c)(5)–(6) | **Unchanged unresolved from P1** | P1-C018/C043 | Inspect rules, orders, approved forms, enforcement records, and later cases. |\n| K.S.A. 21-6502 “registered” versus current “licensed” wording | **Unchanged unresolved from P1** | P1-C016 | Legislative history, opinions, or enforcement interpretation required. |\n| Voluntary-contribution aggregation period | **Unchanged unresolved from P1** | P1-C023 | Agency interpretation, order, or case required. |\n| Exact reasonable counseling amount | **Unchanged unresolved from P1** | P1-C024 | Current Commissioner authorization or reasonableness authority required. |\n| Complete current rules/orders/amendment audit | **Unchanged open** | — | Review all current Kansas rulemaking and public orders without assuming Article 25 is exhaustive. |\n| Current NMLS checklist | **Unchanged open** | P1-C037/C040 | Retrieve the current Kansas CSO checklist; the displayed 2025-report/April 1, 2026 cycle is not a 2027 checklist. |\n| Named-provider status | **Not performed, unchanged** | P1-C038 | Requires actual legal name/NMLS identifier and live lookup. |\n| Full trust and agreement operations | **Unchanged later pass** | — | Separate operational pass. |\n| Full remedies and limitations | **Unchanged later pass** | — | Separate remedies/case-law pass. |\n| Secured and sector-specific debt | **Unchanged later pass** | — | Separate mortgage, auto, tax, student, medical, and other sector review. |\n| Collection-law overlap | **Unchanged later pass** | — | Separate collection-agency analysis. |\n| Comprehensive court and enforcement review | **Unchanged later pass** | — | No full Kansas citator or enforcement-order sweep occurred here. |\n| Local and tribal law | **Unchanged later pass** | — | Separate jurisdiction-specific review. |\n| Contract, arbitration, choice-of-law, and affiliate structures | **Unchanged later pass** | — | Separate contract/entity analysis. |\n| State, parent dossier, or A066 acceptance | **Not evaluated** | — | No acceptance follows from this correction. |\n\n# F. Researcher self-check\n\n### Freshly checked in PASS-02\n\n- Complete K.S.A. 50-1126(a)–(e) and its displayed history.\n- Selected current Revisor pages for K.S.A. 50-1116, 50-1117, 50-1118, 50-1120, 50-1121, 50-1122, and 21-6502.\n- 16 C.F.R. §310.4(a)(2) and §310.4(a)(5)(i)(A)–(C).\n- Relevant OSBC PDF pages using both PDF and printed labels.\n- Relevant *Williamson* pages and the signed/filed date.\n- Selected *Nazar* procedure, facts, classification, and signed/filed date.\n- Selected *Hays* opinion text through the HTML opinion reproduction; official routes were separately retried and returned 403.\n- OLRC §§1679a–1679b currency and operative passages, plus the identified GovInfo 2023 route.\n- Selected 2017 Session Laws pages, effective clause, publication page, and authentication page.\n- The complete 2004 New §11 fee provision.\n\n### Preserved supplied or prior-read history\n\n- PASS-01’s complete tables, examples other than E08, arithmetic, source identities, claim identities, and unresolved issues.\n- The coordinator’s complete nine-page parsed-text read of *Williamson*.\n- PASS-01’s earlier recorded *Hays* PDF-read history; the later coordinator accessibility result does not retroactively rewrite it.\n- The earlier complete New §11 and 2017 §22 readings.\n\n### Not performed\n\n- No Kansas overview rerun.\n- No wholesale licensing, fee, or example regeneration.\n- No complete Article 11 audit, complete *Nazar* read, full 1,135-page session-law read, full chapter 52 read, all-case citator review, or exhaustive 2026 amendment audit.\n- No NMLS provider lookup, application filing, contact, account action, private-data use, website work, publication, Chrome control, Deep Research, Work, or independent review.\n- No legal or operational conclusion was added concerning a named provider.\n- No state, parent-dossier, publication-readiness, or A066 acceptance is implied.\n\n**PASS-02 result:** The identified predicates, federal timing language, source pinpoints, access histories, and version descriptions are corrected. All other PASS-01 findings and holds remain preserved.\n\nEND S_KS PASS-02.\n\n","tables":[{"headers":["Fee category","Corrected Kansas rule","Conditions and limits"],"index":0,"links":[],"row_links":[[],[]],"rows":[["Fee category","Corrected Kansas rule","Conditions and limits"],["Optional electronic-payment processing","Up to $5 to process a payment made electronically","The individual charge must be authorized by the consumer. Separately, no charge may be assessed where the consumer has agreed to make all scheduled payments electronically. The no-charge predicate is the consumer’s agreement, not merely the consumer’s later payment behavior. The $5 figure is a statutory maximum on the charge; it is not a reimbursement formula tied to the provider’s actual processing expense."]]},{"headers":["Branch","Agreement facts","Individual electronic-charge authorization","Corrected result"],"index":1,"links":[],"row_links":[[],[],[]],"rows":[["Branch","Agreement facts","Individual electronic-charge authorization","Corrected result"],["A — No all-scheduled-electronic agreement","The consumer has not agreed to make all scheduled payments electronically. A later, separate payment is made electronically.","If the consumer authorizes the electronic-processing charge, the state maximum is min(proposed charge, $5). If the charge is not authorized, subsection (b)(8) supplies no charge authority.","The formula illustrates only the statutory ceiling. It is not min(actual processor expense, $5), and it does not establish the amount actually incurred or charged. A separate insufficient-payment event remains subject to its own maximum of up to $30 one time for that insufficient payment."],["B — All-scheduled-electronic agreement exists","The consumer has agreed to make all scheduled payments electronically. Later actual payment behavior may or may not follow that agreement.","Individual authorization does not erase the statute’s separate no-charge sentence.","On the stated agreement facts, subsection (b)(8) says no electronic-processing charge shall be assessed. Later actual behavior alone does not prove that the agreement was modified or terminated. The effect of a valid amendment, withdrawal, waiver, breach, or schedule change remains unresolved, so no different transaction outcome or amount is invented."]]},{"headers":["PASS-01 cell or alias","PASS-01 defect or imprecision","PASS-02 replacement","New source/claim record"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-01 cell or alias","PASS-01 defect or imprecision","PASS-02 replacement","New source/claim record"],["A3.1 electronic-processing fee row","Said or implied that actual all-electronic payment behavior caused the waiver.","No-charge rule turns on the consumer having agreed to make all scheduled payments electronically; individual charge separately requires authorization.","P2-C001–C003; P2-S001, P2-S002"],["S_KS-P1-C026","“$0 if all scheduled payments are electronic” omitted the agreement predicate.","Replace with the exact authorization/all-electronic-agreement distinction in A1.","P2-C001–C003"],["PASS-01 E08","Used actual-payment phrasing and a charge formula that could be misunderstood as expense reimbursement.","Replace only with the two-branch table in A2.","P2-C001–C003"],["A4.4","Credit-repair timing description was incomplete.","Add expiration of represented time frame for all goods/services, seller-provided CRA report demonstrating results, report issued more than six months after results, and FCRA proviso.","P2-C005–C006; P2-S003"],["S_KS-P1-C036","Did not state every TSR §310.4(a)(2) prerequisite precisely.","Replace with corrected claim in A3.","P2-C005–C006, P2-C016"],["A4.2 / S_KS-P1-C033","“Altered debt and one payment” shorthand omitted execution and relationship language.","Add valid contractual agreement executed by the customer, payment under the customer-creditor/collector agreement, and applicable allocation conditions.","P2-C007–C008; P2-S003"],["S_KS-P1-S001","Described the 22-page PDF without consistently distinguishing PDF-page and printed-page labels.","Bond: PDF page 5/index 4/printed CSO Statutes 4. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Article 25 outline: PDF page 21/index 20. Rule: PDF page 22/index 21/printed CSO Regulation 1.","P2-S002"],["S_KS-P1-S004","Direct rule and compilation access were not sharply distinguished.","Direct rules endpoint remained unrecovered and returned 405; rule text was read in the official OSBC compilation.","P2-S002"],["S_KS-P1-C010","“S001 p.4” mixed page systems.","Bond pinpoint becomes PDF page 5/index 4/printed CSO Statutes–Page 4.","P2-C009"],["S_KS-P1-C039","“S001 pp.20–21” did not distinguish outline from full rule.","Article outline is PDF page 21/index 20; complete K.A.R. 17-25-1 is PDF page 22/index 21/printed CSO Regulation–Page 1.","P2-C010"],["S_KS-P1-C044","Source cell pointed generally to S004.","Governmental $400/$150 charges pinpoint to K.A.R. 17-25-1 on PDF page 22/index 21/printed regulation page 1.","P2-C011"],["S_KS-P1-S012 / C012","Pages 5–7 omitted the full relevant pleading analysis and relationship condition.","Allegations: printed page 4/index 3. Counts II/III analysis: printed pages 6–9/indices 5–8. Signed/filed November 5, 2025.","P2-S004; P2-C012"],["S_KS-P1-S013","“April 2012” was accurate but imprecise; read scope and procedural posture needed refinement.","Signed/filed April 16, 2012; selected procedure/facts/classification read, not the entire nine pages; registration-era, default and properly supported uncontested summary judgment.","P2-S005; P2-C014"],["S_KS-P1-S011 / C012","Current accessible route and statute-version relationship needed correction.","Official routes remained 403; newly relied-on route is the HTML opinion reproduction, selected opinion text—not editorial summary. Case construes 2005 law with 2012 clarification and leaves factual qualification open.","P2-S006; P2-C013"],["S_KS-P1-S002 / S003","“Updated” website data risked being read as legal effective-date evidence, and Article-wide reading was overstated.","Pages are labeled 2026; website update timestamps are data observations only. Actual scope was the selected sections, not every Article 11 section or an exhaustive 2026 amendment audit.","P2-S001; P2-C015"],["S_KS-P1-S017","Claimed chapter front matter through Public Law 119-124.","OLRC §§1679a–1679b showed currency through Public Law 119-120, October 7, 2026. GovInfo source remains the 2023 edition. No 119-124 consolidation claim.","P2-S007; P2-C016"],["S_KS-P1-S010 / C031","Needed exact page systems and approval/effect distinction.","§22: PDF indices 315–317/printed pages 306–308. §27: index 321/printed page 312. Approved April 18, 2017; effective upon statute-book publication; volume publication/authentication July 1, 2017.","P2-S008; P2-C017"],["S_KS-P1-S009 / C031","Historical source scope needed explicit limitation.","Complete 2004 New §11 was read; $50/$20/$5 are historical only. No full act or later-amendment audit is implied.","P2-S009; P2-C017"]]},{"headers":["Source ID","Old alias","Authority and direct literal URL","Exact pinpoint and actual access","Fresh/reused status and limitations"],"index":3,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","text":"Kansas Legislature\n+7"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+5"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+3"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","text":"District of Kansas Bankruptcy Court\n+5"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court\n+5"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code\n+2"},{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+5"},{"href":"https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","text":"Kansas Legislature\n+2"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","text":"Kansas Legislature\n+7"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+5"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+3"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","text":"District of Kansas Bankruptcy Court\n+5"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court\n+5"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code\n+2"}],[{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+5"}],[{"href":"https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","text":"Kansas Legislature\n+2"}]],"rows":[["Source ID","Old alias","Authority and direct literal URL","Exact pinpoint and actual access","Fresh/reused status and limitations"],["S_KS-P2-S001","S_KS-P1-S002; S_KS-P1-S003","Kansas Revisor, selected 2026 statute pages: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/; .../050_011_0017_section/050_011_0017_k/; .../050_011_0018_section/050_011_0018_k/; .../050_011_0020_section/050_011_0020_k/; .../050_011_0021_section/050_011_0021_k/; .../050_011_0022_section/050_011_0022_k/; .../050_011_0026_section/050_011_0026_k/; criminal page https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/","Freshly read selected sections 50-1116, 50-1117, 50-1118, 50-1120, 50-1121, 50-1122, complete 50-1126(a)–(e) and history, and 21-6502.","Accessed Oct. 25, 2026. Pages label themselves “2026 Kansas Statutes.” Displayed website-data timestamps are not enactment or effective dates. This was not a complete Article 11 or later-amendment audit. \nKansas Legislature\n+7"],["S_KS-P2-S002","S_KS-P1-S001; S_KS-P1-S004","Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf; direct rule endpoint attempted: https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/policies/81222fe9-951e-4611-a969-d681272756bb","22 total PDF pages. Bond: PDF page 5/index 4/printed CSO Statutes 4. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1.","Freshly parsed and visually checked relevant pages Oct. 25. It is 22 PDF pages, not 22 printed statute pages. Direct rule endpoint returned 405 and was not newly read directly. \nKansas Bank Commissioner\n+5"],["S_KS-P2-S003","S_KS-P1-S015","eCFR, 16 C.F.R. §310.4: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Fresh read of §310.4(a)(2) and §310.4(a)(5)(i)(A)–(C), with dedicated-account context retained only as needed.","Accessed Oct. 25. Page displayed Title 16 up to date as of Oct. 22, 2026 and describes eCFR as authoritative but unofficial. No universal TSR applicability inferred. \neCFR\n+3"],["S_KS-P2-S004","S_KS-P1-S012","Williamson v. Hailstone Legal Group, LLC, Adv. No. 25-05004, Doc. 46: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","Complete nine-page parsed text was part of the supplied coordinator read. P2 freshly verified signed/filed date on printed page 1; allegations on printed page 4/index 3; Counts II/III analysis on printed pages 6–9/indices 5–8.","Order signed and filed Nov. 5, 2025; search title’s Nov. 6 date is not the filing date. Motion-to-dismiss ruling, affirmative-defense treatment, and no final merits or provider authorization. \nDistrict of Kansas Bankruptcy Court\n+5"],["S_KS-P2-S005","S_KS-P1-S013","Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Fresh selected read/visual check: signed/filed page 1; procedure on printed pages 1–3; facts and classification on printed pages 4–6. Not the complete nine-page opinion.","Signed/filed Apr. 16, 2012; search title shows Apr. 17. Former registration statute, defective response/default, no summary-judgment opposition, and properly supported undisputed facts. Not a modern contested licensing holding. \nDistrict of Kansas Bankruptcy Court\n+5"],["S_KS-P2-S006","S_KS-P1-S011","Hays v. Ruther. Official landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/Hays-v-Ruther; inferred official PDF: https://kscourts.gov/KSCourts/media/KsCourts/Opinions/108351.pdf?ext=.pdf; opinion reproduction actually used for P2: https://law.justia.com/cases/kansas/supreme-court/2013/108351.html; prior P1 mirror route: https://cases.justia.com/kansas/supreme-court/108351.pdf?ts=1462346836","Fresh P2 read of the reproduced opinion’s syllabus, identity, first certified question, 2005-version discussion, 2012 clarification, and factual-reservation passages. Editorial summary was not used as authority.","Official landing and inferred official PDF returned 403. The coordinator’s separate check found the older PDF routes inaccessible; that does not retroactively alter P1’s earlier recorded PDF read. No citator search, official-byte-identity claim, or complete-case-law audit. (Invalid URL)"],["S_KS-P2-S007","S_KS-P1-S017","OLRC 15 U.S.C. §1679a: https://uscode.house.gov/us/usc/119-118/t15/s1679a/; OLRC §1679b: https://uscode.house.gov/us/usc/119-118/t15/s1679b/; GovInfo 2023 §1679b: https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapII-A-sec1679b.htm","Freshly checked OLRC currency statement and operative definition/payment passages; GovInfo source retained as the identified 2023-edition verification route.","OLRC pages stated currency through Public Law 119-120, Oct. 7, 2026, despite the URL path. No Public Law 119-124 chapter-front-matter claim is retained. Actual CROA applicability remains held. \nU.S. Code\n+2"],["S_KS-P2-S008","S_KS-P1-S010","2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","§22: PDF indices 315–317, printed pages 306–308. §27 and approval line: PDF index 321, printed page 312. Volume publication and authentication: indices 0–1.","Fresh selected verification, not all 1,135 PDF pages or entire ch. 52. $50→$75; $20→$40; $5 unchanged. The deleted old $50 counseling formulation is not current law. Approved Apr. 18, 2017; effective upon statute-book publication; volume published/authenticated July 1, 2017. \nKansas Secretary of State\n+5"],["S_KS-P2-S009","S_KS-P1-S009","2004 Kansas Session Laws, ch. 22, S.B. 509: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","Complete New §11 read across PDF indices 4–5: historical $50 consultation, lesser of $20 or $5 per listed creditor, former counseling rule, add-on prohibitions, and unauthorized-fee consequence.","Fresh selected verification. Historical source only; no complete 2004 act or later-amendment audit implied. \nKansas Legislature\n+2"]]},{"headers":["Claim ID","Old alias","Corrected precise assertion","Sources and pinpoints","Conditions and confidence"],"index":4,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+1"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","text":"District of Kansas Bankruptcy Court\n+3"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2013/108351.html","text":"Justia Law\n+2"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court\n+3"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","text":"Kansas Legislature\n+1"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code\n+2"},{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+7"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","text":"Kansas Legislature\n+4"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+1"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","text":"District of Kansas Bankruptcy Court\n+3"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2013/108351.html","text":"Justia Law\n+2"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court\n+3"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code\n+2"}],[{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+7"}]],"rows":[["Claim ID","Old alias","Corrected precise assertion","Sources and pinpoints","Conditions and confidence"],["S_KS-P2-C001","A3.1; S_KS-P1-C026","An electronic-processing charge may be up to $5 for a payment made electronically only if authorized by the consumer.","P2-S001, §50-1126(b)(8); P2-S002, PDF page 13/index 12/printed 12. \nKansas Legislature\n+1","High. Authorization concerns the individual charge."],["S_KS-P2-C002","A3.1; S_KS-P1-C026; E08","No electronic-processing charge may be assessed where the consumer has agreed to make all scheduled payments electronically. The predicate is the agreement, not actual behavior alone.","P2-S001/P2-S002, same pinpoints. \nKansas Legislature\n+1","High for the text. Agreement-modification consequences remain held."],["S_KS-P2-C003","E08","min(proposed charge, $5) illustrates a maximum; subsection (b)(8) does not establish reimbursement of actual processor expense. The NSF and later electronic-payment events remain separate, and same-event stacking is unresolved.","P2-S001, §50-1126(b)(7)–(8). \nKansas Legislature","High for cap structure; stacking held."],["S_KS-P2-C004","S_KS-P1-C019, C028, C029","Except for subsection (b)(5), agreement execution remains the prerequisite; specified add-on fees remain prohibited; unauthorized amounts retain the void/return consequence subject to accidental bona fide error.","P2-S001, §50-1126(a), (d), (e); P2-S002, PDF pages 12–14/indices 11–13/printed 11–13. \nKansas Legislature\n+4","Unchanged PASS-01 rule."],["S_KS-P2-C005","A4.4; S_KS-P1-C036","TSR credit-repair fee timing requires expiration of the represented time frame for all goods or services and seller-provided CRA documentation demonstrating promised results.","P2-S003, §310.4(a)(2)(i)–(ii). \neCFR\n+1","High federal text; applicability conditional."],["S_KS-P2-C006","A4.4; S_KS-P1-C036","The qualifying report must have been issued more than six months after results were achieved; contract-date measurement, mere report existence, or exactly six months is insufficient. FCRA permissible purpose remains.","P2-S003, §310.4(a)(2)(ii). \neCFR\n+1","High. No actual result or report inferred."],["S_KS-P2-C007","A4.2; S_KS-P1-C033","When applicable, TSR debt-relief timing requires alteration of at least one debt under a valid contractual agreement executed by the customer and at least one payment under that customer-creditor/collector agreement.","P2-S003, §310.4(a)(5)(i)(A)–(B). \neCFR\n+1","High federal text; coverage fact-specific."],["S_KS-P2-C008","A4.2; S_KS-P1-C034","Individually altered debts must satisfy the applicable proportional or uniform-savings allocation rule; those rules do not create Kansas fee authority or prove earning.","P2-S003, §310.4(a)(5)(i)(C); P2-S001, §50-1126. \neCFR\n+1","High separation of federal timing from state authority."],["S_KS-P2-C009","S_KS-P1-C010","Statutory bond remains $25,000, with rulemaking authority for an increase up to $1 million. Correct OSBC pinpoint is PDF page 5/index 4/printed CSO Statutes–Page 4.","P2-S002. \nKansas Bank Commissioner","Amount unchanged; no increase rule established."],["S_KS-P2-C010","S_KS-P1-C039","The current OSBC compilation’s Article 25 outline lists only K.A.R. 17-25-1; the complete rule appears on PDF page 22/index 21/printed CSO Regulation–Page 1.","P2-S002. \nKansas Bank Commissioner\n+1","High for the compilation reviewed; direct endpoint remained 405."],["S_KS-P2-C011","S_KS-P1-C044","K.A.R. 17-25-1 states $400 initial and $150 renewal governmental provider charges; these are not consumer-fee ceilings.","P2-S002, PDF page 22/index 21/printed regulation page 1. \nKansas Bank Commissioner","Unchanged substance; corrected pinpoint."],["S_KS-P2-C012","S_KS-P1-C012, Williamson branch","At the pleading stage, the attorney exemption is an affirmative defense; it requires actual qualifying Kansas attorney practice and the qualifying law-firm relationship. Signature, name, or self-characterization alone did not establish it.","P2-S004, printed pages 6–9/indices 5–8. \nDistrict of Kansas Bankruptcy Court\n+3","Persuasive bankruptcy decision; not final merits or provider approval."],["S_KS-P2-C013","S_KS-P1-C012, Hays branch","Hays construed the 2005 version, treated the 2012 amendment as clarification, held that an exempt attorney’s firm shares the exemption, and left actual defendant qualification to fact-finding.","P2-S006, opinion reproduction syllabus and first certified-question discussion. \nJustia Law\n+2","Controlling legal answer; factual application open."],["S_KS-P2-C014","S_KS-P1-S013; functional support for C005","Nazar was signed/filed Apr. 16, 2012 and arose under the registration regime after a defective response/default and an unopposed, properly supported summary-judgment record.","P2-S005, printed pages 1–6. \nDistrict of Kansas Bankruptcy Court\n+3","Persuasive functional evidence; not a modern contested license holding."],["S_KS-P2-C015","S_KS-P1-S002/S003 source-status language","The selected Revisor pages label themselves 2026 statutes. Their website-data timestamps are observations, not proof of enactment/effective dates or an exhaustive amendment audit.","P2-S001. \nKansas Legislature\n+1","High as source-handling correction."],["S_KS-P2-C016","S_KS-P1-S017; C036 source status","OLRC §§1679a–1679b displayed currency through Public Law 119-120, Oct. 7, 2026; GovInfo source is the 2023 edition. No Public Law 119-124 currency claim remains.","P2-S007. \nU.S. Code\n+2","CROA applicability remains unresolved on actual facts."],["S_KS-P2-C017","S_KS-P1-C031","The 2004 statute used $50/$20/$5. The 2017 amendment changed $50→$75 and $20→$40 while leaving $5 unchanged; it also deleted the former $50 counseling ceiling rather than carrying it into current law. Chapter 52 was approved Apr. 18, 2017 and took effect upon statute-book publication, with volume publication/authentication on July 1, 2017.","P2-S008, printed 306–308 and 312; P2-S009, New §11. \nKansas Secretary of State\n+7","High for selected history. Not a full later-amendment audit."]]},{"headers":["Correction component","PASS-02 status","Claims","Remaining exact gap or next action"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Correction component","PASS-02 status","Claims","Remaining exact gap or next action"],["K.S.A. 50-1126(b)(8) individual-charge authorization","Corrected/answered","P2-C001","None for the textual predicate."],["All-scheduled-electronic agreement waiver","Corrected/answered","P2-C002","None for the textual predicate."],["Later behavior differing from all-electronic agreement","Unresolved","P2-C002","Determine effect of valid amendment, withdrawal, waiver, breach, or schedule modification through contract facts, rules, orders, or case law."],["Processor expense versus statutory cap","Corrected/answered","P2-C003","No actual transaction expense or charge determined."],["NSF/electronic same-event stacking","Unresolved, preserved","P2-C003","Seek Kansas interpretation or enforcement treatment."],["Agreement prerequisite, add-on prohibitions, unauthorized-fee consequence","Preserved unchanged","P2-C004","No additional correction needed."],["TSR credit-repair timing","Corrected/answered as conditional federal rule","P2-C005–C006","Actual representation, TSR coverage, report, achieved result, permissible purpose, and payment facts remain provider-specific."],["TSR debt-relief trigger","Corrected/answered as conditional federal rule","P2-C007","Actual coverage, valid agreement, alteration, and payment facts remain provider-specific."],["TSR allocation/state-authority separation","Corrected/answered","P2-C008","No Kansas percentage-fee authority or actual earning inferred."],["OSBC PDF page systems","Corrected","P2-C009–C011","None."],["Direct Kansas rules endpoint","Unresolved access route","P2-C010","Endpoint returned 405; later recovery may verify the direct rule page separately."],["Williamson date, pinpoints, and exemption conditions","Corrected","P2-C012","Final merits and entity-specific qualification remain open."],["Hays access route, version, and factual limitation","Corrected","P2-C013","Official landing/PDF remained 403; no citator or all-case review performed."],["Nazar date, read scope, and procedural posture","Corrected","P2-C014","No modern contested-license appellate authority supplied."],["Current statute labeling and update timestamps","Corrected","P2-C015","Full 2026 amendment audit remains open."],["CROA source currency","Corrected","P2-C016","Actual CROA applicability and exclusions remain open."],["Historical fee and effective-date pinpoints","Corrected","P2-C017","Full later-amendment audit remains open."],["Noncustodial agreement fit under 50-1120(c)(5)–(6)","Unchanged unresolved from P1","P1-C018/C043","Inspect rules, orders, approved forms, enforcement records, and later cases."],["K.S.A. 21-6502 “registered” versus current “licensed” wording","Unchanged unresolved from P1","P1-C016","Legislative history, opinions, or enforcement interpretation required."],["Voluntary-contribution aggregation period","Unchanged unresolved from P1","P1-C023","Agency interpretation, order, or case required."],["Exact reasonable counseling amount","Unchanged unresolved from P1","P1-C024","Current Commissioner authorization or reasonableness authority required."],["Complete current rules/orders/amendment audit","Unchanged open","—","Review all current Kansas rulemaking and public orders without assuming Article 25 is exhaustive."],["Current NMLS checklist","Unchanged open","P1-C037/C040","Retrieve the current Kansas CSO checklist; the displayed 2025-report/April 1, 2026 cycle is not a 2027 checklist."],["Named-provider status","Not performed, unchanged","P1-C038","Requires actual legal name/NMLS identifier and live lookup."],["Full trust and agreement operations","Unchanged later pass","—","Separate operational pass."],["Full remedies and limitations","Unchanged later pass","—","Separate remedies/case-law pass."],["Secured and sector-specific debt","Unchanged later pass","—","Separate mortgage, auto, tax, student, medical, and other sector review."],["Collection-law overlap","Unchanged later pass","—","Separate collection-agency analysis."],["Comprehensive court and enforcement review","Unchanged later pass","—","No full Kansas citator or enforcement-order sweep occurred here."],["Local and tribal law","Unchanged later pass","—","Separate jurisdiction-specific review."],["Contract, arbitration, choice-of-law, and affiliate structures","Unchanged later pass","—","Separate contract/entity analysis."],["State, parent dossier, or A066 acceptance","Not evaluated","—","No acceptance follows from this correction."]]}],"claims":[{"claim_id":"S_KS-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C001","Old alias":"A3.1; S_KS-P1-C026","Corrected precise assertion":"An electronic-processing charge may be up to $5 for a payment made electronically only if authorized by the consumer.","Sources and pinpoints":"P2-S001, §50-1126(b)(8); P2-S002, PDF page 13/index 12/printed 12. \nKansas Legislature\n+1","Conditions and confidence":"High. Authorization concerns the individual charge."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C002","Old alias":"A3.1; S_KS-P1-C026; E08","Corrected precise assertion":"No electronic-processing charge may be assessed where the consumer has agreed to make all scheduled payments electronically. The predicate is the agreement, not actual behavior alone.","Sources and pinpoints":"P2-S001/P2-S002, same pinpoints. \nKansas Legislature\n+1","Conditions and confidence":"High for the text. Agreement-modification consequences remain held."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C003","Old alias":"E08","Corrected precise assertion":"min(proposed charge, $5) illustrates a maximum; subsection (b)(8) does not establish reimbursement of actual processor expense. The NSF and later electronic-payment events remain separate, and same-event stacking is unresolved.","Sources and pinpoints":"P2-S001, §50-1126(b)(7)–(8). \nKansas Legislature","Conditions and confidence":"High for cap structure; stacking held."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C004","Old alias":"S_KS-P1-C019, C028, C029","Corrected precise assertion":"Except for subsection (b)(5), agreement execution remains the prerequisite; specified add-on fees remain prohibited; unauthorized amounts retain the void/return consequence subject to accidental bona fide error.","Sources and pinpoints":"P2-S001, §50-1126(a), (d), (e); P2-S002, PDF pages 12–14/indices 11–13/printed 11–13. \nKansas Legislature\n+4","Conditions and confidence":"Unchanged PASS-01 rule."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C005","Old alias":"A4.4; S_KS-P1-C036","Corrected precise assertion":"TSR credit-repair fee timing requires expiration of the represented time frame for all goods or services and seller-provided CRA documentation demonstrating promised results.","Sources and pinpoints":"P2-S003, §310.4(a)(2)(i)–(ii). \neCFR\n+1","Conditions and confidence":"High federal text; applicability conditional."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C006","Old alias":"A4.4; S_KS-P1-C036","Corrected precise assertion":"The qualifying report must have been issued more than six months after results were achieved; contract-date measurement, mere report existence, or exactly six months is insufficient. FCRA permissible purpose remains.","Sources and pinpoints":"P2-S003, §310.4(a)(2)(ii). \neCFR\n+1","Conditions and confidence":"High. No actual result or report inferred."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C007","Old alias":"A4.2; S_KS-P1-C033","Corrected precise assertion":"When applicable, TSR debt-relief timing requires alteration of at least one debt under a valid contractual agreement executed by the customer and at least one payment under that customer-creditor/collector agreement.","Sources and pinpoints":"P2-S003, §310.4(a)(5)(i)(A)–(B). \neCFR\n+1","Conditions and confidence":"High federal text; coverage fact-specific."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C008","Old alias":"A4.2; S_KS-P1-C034","Corrected precise assertion":"Individually altered debts must satisfy the applicable proportional or uniform-savings allocation rule; those rules do not create Kansas fee authority or prove earning.","Sources and pinpoints":"P2-S003, §310.4(a)(5)(i)(C); P2-S001, §50-1126. \neCFR\n+1","Conditions and confidence":"High separation of federal timing from state authority."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C009","Old alias":"S_KS-P1-C010","Corrected precise assertion":"Statutory bond remains $25,000, with rulemaking authority for an increase up to $1 million. Correct OSBC pinpoint is PDF page 5/index 4/printed CSO Statutes–Page 4.","Sources and pinpoints":"P2-S002. \nKansas Bank Commissioner","Conditions and confidence":"Amount unchanged; no increase rule established."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C010","Old alias":"S_KS-P1-C039","Corrected precise assertion":"The current OSBC compilation’s Article 25 outline lists only K.A.R. 17-25-1; the complete rule appears on PDF page 22/index 21/printed CSO Regulation–Page 1.","Sources and pinpoints":"P2-S002. \nKansas Bank Commissioner\n+1","Conditions and confidence":"High for the compilation reviewed; direct endpoint remained 405."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C011","Old alias":"S_KS-P1-C044","Corrected precise assertion":"K.A.R. 17-25-1 states $400 initial and $150 renewal governmental provider charges; these are not consumer-fee ceilings.","Sources and pinpoints":"P2-S002, PDF page 22/index 21/printed regulation page 1. \nKansas Bank Commissioner","Conditions and confidence":"Unchanged substance; corrected pinpoint."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C012","Old alias":"S_KS-P1-C012, Williamson branch","Corrected precise assertion":"At the pleading stage, the attorney exemption is an affirmative defense; it requires actual qualifying Kansas attorney practice and the qualifying law-firm relationship. Signature, name, or self-characterization alone did not establish it.","Sources and pinpoints":"P2-S004, printed pages 6–9/indices 5–8. \nDistrict of Kansas Bankruptcy Court\n+3","Conditions and confidence":"Persuasive bankruptcy decision; not final merits or provider approval."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C013","Old alias":"S_KS-P1-C012, Hays branch","Corrected precise assertion":"Hays construed the 2005 version, treated the 2012 amendment as clarification, held that an exempt attorney’s firm shares the exemption, and left actual defendant qualification to fact-finding.","Sources and pinpoints":"P2-S006, opinion reproduction syllabus and first certified-question discussion. \nJustia Law\n+2","Conditions and confidence":"Controlling legal answer; factual application open."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C014","Old alias":"S_KS-P1-S013; functional support for C005","Corrected precise assertion":"Nazar was signed/filed Apr. 16, 2012 and arose under the registration regime after a defective response/default and an unopposed, properly supported summary-judgment record.","Sources and pinpoints":"P2-S005, printed pages 1–6. \nDistrict of Kansas Bankruptcy Court\n+3","Conditions and confidence":"Persuasive functional evidence; not a modern contested license holding."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C015","Old alias":"S_KS-P1-S002/S003 source-status language","Corrected precise assertion":"The selected Revisor pages label themselves 2026 statutes. Their website-data timestamps are observations, not proof of enactment/effective dates or an exhaustive amendment audit.","Sources and pinpoints":"P2-S001. \nKansas Legislature\n+1","Conditions and confidence":"High as source-handling correction."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C016","Old alias":"S_KS-P1-S017; C036 source status","Corrected precise assertion":"OLRC §§1679a–1679b displayed currency through Public Law 119-120, Oct. 7, 2026; GovInfo source is the 2023 edition. No Public Law 119-124 currency claim remains.","Sources and pinpoints":"P2-S007. \nU.S. Code\n+2","Conditions and confidence":"CROA applicability remains unresolved on actual facts."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P2-C017","Old alias":"S_KS-P1-C031","Corrected precise assertion":"The 2004 statute used $50/$20/$5. The 2017 amendment changed $50→$75 and $20→$40 while leaving $5 unchanged; it also deleted the former $50 counseling ceiling rather than carrying it into current law. Chapter 52 was approved Apr. 18, 2017 and took effect upon statute-book publication, with volume publication/authentication on July 1, 2017.","Sources and pinpoints":"P2-S008, printed 306–308 and 312; P2-S009, New §11. \nKansas Secretary of State\n+7","Conditions and confidence":"High for selected history. Not a full later-amendment audit."},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_KS-P2-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/"],"researcher_record":{"Source ID":"S_KS-P2-S001","Old alias":"S_KS-P1-S002; S_KS-P1-S003","Authority and direct literal URL":"Kansas Revisor, selected 2026 statute pages: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/; .../050_011_0017_section/050_011_0017_k/; .../050_011_0018_section/050_011_0018_k/; .../050_011_0020_section/050_011_0020_k/; .../050_011_0021_section/050_011_0021_k/; .../050_011_0022_section/050_011_0022_k/; .../050_011_0026_section/050_011_0026_k/; criminal page https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/","Exact pinpoint and actual access":"Freshly read selected sections 50-1116, 50-1117, 50-1118, 50-1120, 50-1121, 50-1122, complete 50-1126(a)–(e) and history, and 21-6502.","Fresh/reused status and limitations":"Accessed Oct. 25, 2026. Pages label themselves “2026 Kansas Statutes.” Displayed website-data timestamps are not enactment or effective dates. This was not a complete Article 11 or later-amendment audit. \nKansas Legislature\n+7"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S002","urls":["https://osbckansas.gov/legal/cso_2026.pdf","https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/policies/81222fe9-951e-4611-a969-d681272756bb"],"researcher_record":{"Source ID":"S_KS-P2-S002","Old alias":"S_KS-P1-S001; S_KS-P1-S004","Authority and direct literal URL":"Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf; direct rule endpoint attempted: https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/policies/81222fe9-951e-4611-a969-d681272756bb","Exact pinpoint and actual access":"22 total PDF pages. Bond: PDF page 5/index 4/printed CSO Statutes 4. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1.","Fresh/reused status and limitations":"Freshly parsed and visually checked relevant pages Oct. 25. It is 22 PDF pages, not 22 printed statute pages. Direct rule endpoint returned 405 and was not newly read directly. \nKansas Bank Commissioner\n+5"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S003","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_KS-P2-S003","Old alias":"S_KS-P1-S015","Authority and direct literal URL":"eCFR, 16 C.F.R. §310.4: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Exact pinpoint and actual access":"Fresh read of §310.4(a)(2) and §310.4(a)(5)(i)(A)–(C), with dedicated-account context retained only as needed.","Fresh/reused status and limitations":"Accessed Oct. 25. Page displayed Title 16 up to date as of Oct. 22, 2026 and describes eCFR as authoritative but unofficial. No universal TSR applicability inferred. \neCFR\n+3"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S004","urls":["https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf"],"researcher_record":{"Source ID":"S_KS-P2-S004","Old alias":"S_KS-P1-S012","Authority and direct literal URL":"Williamson v. Hailstone Legal Group, LLC, Adv. No. 25-05004, Doc. 46: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","Exact pinpoint and actual access":"Complete nine-page parsed text was part of the supplied coordinator read. P2 freshly verified signed/filed date on printed page 1; allegations on printed page 4/index 3; Counts II/III analysis on printed pages 6–9/indices 5–8.","Fresh/reused status and limitations":"Order signed and filed Nov. 5, 2025; search title’s Nov. 6 date is not the filing date. Motion-to-dismiss ruling, affirmative-defense treatment, and no final merits or provider authorization. \nDistrict of Kansas Bankruptcy Court\n+5"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S005","urls":["https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf"],"researcher_record":{"Source ID":"S_KS-P2-S005","Old alias":"S_KS-P1-S013","Authority and direct literal URL":"Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Exact pinpoint and actual access":"Fresh selected read/visual check: signed/filed page 1; procedure on printed pages 1–3; facts and classification on printed pages 4–6. Not the complete nine-page opinion.","Fresh/reused status and limitations":"Signed/filed Apr. 16, 2012; search title shows Apr. 17. Former registration statute, defective response/default, no summary-judgment opposition, and properly supported undisputed facts. Not a modern contested licensing holding. \nDistrict of Kansas Bankruptcy Court\n+5"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S006","urls":["https://kscourts.gov/Cases-Decisions/Decisions/Published/Hays-v-Ruther","https://kscourts.gov/KSCourts/media/KsCourts/Opinions/108351.pdf?ext=.pdf","https://law.justia.com/cases/kansas/supreme-court/2013/108351.html","https://cases.justia.com/kansas/supreme-court/108351.pdf?ts=1462346836"],"researcher_record":{"Source ID":"S_KS-P2-S006","Old alias":"S_KS-P1-S011","Authority and direct literal URL":"Hays v. Ruther. Official landing: https://kscourts.gov/Cases-Decisions/Decisions/Published/Hays-v-Ruther; inferred official PDF: https://kscourts.gov/KSCourts/media/KsCourts/Opinions/108351.pdf?ext=.pdf; opinion reproduction actually used for P2: https://law.justia.com/cases/kansas/supreme-court/2013/108351.html; prior P1 mirror route: https://cases.justia.com/kansas/supreme-court/108351.pdf?ts=1462346836","Exact pinpoint and actual access":"Fresh P2 read of the reproduced opinion’s syllabus, identity, first certified question, 2005-version discussion, 2012 clarification, and factual-reservation passages. Editorial summary was not used as authority.","Fresh/reused status and limitations":"Official landing and inferred official PDF returned 403. The coordinator’s separate check found the older PDF routes inaccessible; that does not retroactively alter P1’s earlier recorded PDF read. No citator search, official-byte-identity claim, or complete-case-law audit. (Invalid URL)"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S007","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679a/","https://uscode.house.gov/us/usc/119-118/t15/s1679b/","https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapII-A-sec1679b.htm"],"researcher_record":{"Source ID":"S_KS-P2-S007","Old alias":"S_KS-P1-S017","Authority and direct literal URL":"OLRC 15 U.S.C. §1679a: https://uscode.house.gov/us/usc/119-118/t15/s1679a/; OLRC §1679b: https://uscode.house.gov/us/usc/119-118/t15/s1679b/; GovInfo 2023 §1679b: https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapII-A-sec1679b.htm","Exact pinpoint and actual access":"Freshly checked OLRC currency statement and operative definition/payment passages; GovInfo source retained as the identified 2023-edition verification route.","Fresh/reused status and limitations":"OLRC pages stated currency through Public Law 119-120, Oct. 7, 2026, despite the URL path. No Public Law 119-124 chapter-front-matter claim is retained. Actual CROA applicability remains held. \nU.S. Code\n+2"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S008","urls":["https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf"],"researcher_record":{"Source ID":"S_KS-P2-S008","Old alias":"S_KS-P1-S010","Authority and direct literal URL":"2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","Exact pinpoint and actual access":"§22: PDF indices 315–317, printed pages 306–308. §27 and approval line: PDF index 321, printed page 312. Volume publication and authentication: indices 0–1.","Fresh/reused status and limitations":"Fresh selected verification, not all 1,135 PDF pages or entire ch. 52. $50→$75; $20→$40; $5 unchanged. The deleted old $50 counseling formulation is not current law. Approved Apr. 18, 2017; effective upon statute-book publication; volume published/authenticated July 1, 2017. \nKansas Secretary of State\n+5"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"source_id":"S_KS-P2-S009","urls":["https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf"],"researcher_record":{"Source ID":"S_KS-P2-S009","Old alias":"S_KS-P1-S009","Authority and direct literal URL":"2004 Kansas Session Laws, ch. 22, S.B. 509: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","Exact pinpoint and actual access":"Complete New §11 read across PDF indices 4–5: historical $50 consultation, lesser of $20 or $5 per listed creditor, former counseling rule, add-on prohibitions, and unauthorized-fee consequence.","Fresh/reused status and limitations":"Fresh selected verification. Historical source only; no complete 2004 act or later-amendment audit implied. \nKansas Legislature\n+2"},"coordinator_verification_status":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"K.S.A. 50-1126(b)(8) individual-charge authorization","researcher_record":{"Correction component":"K.S.A. 50-1126(b)(8) individual-charge authorization","PASS-02 status":"Corrected/answered","Claims":"P2-C001","Remaining exact gap or next action":"None for the textual predicate."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"All-scheduled-electronic agreement waiver","researcher_record":{"Correction component":"All-scheduled-electronic agreement waiver","PASS-02 status":"Corrected/answered","Claims":"P2-C002","Remaining exact gap or next action":"None for the textual predicate."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Later behavior differing from all-electronic agreement","researcher_record":{"Correction component":"Later behavior differing from all-electronic agreement","PASS-02 status":"Unresolved","Claims":"P2-C002","Remaining exact gap or next action":"Determine effect of valid amendment, withdrawal, waiver, breach, or schedule modification through contract facts, rules, orders, or case law."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Processor expense versus statutory cap","researcher_record":{"Correction component":"Processor expense versus statutory cap","PASS-02 status":"Corrected/answered","Claims":"P2-C003","Remaining exact gap or next action":"No actual transaction expense or charge determined."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"NSF/electronic same-event stacking","researcher_record":{"Correction component":"NSF/electronic same-event stacking","PASS-02 status":"Unresolved, preserved","Claims":"P2-C003","Remaining exact gap or next action":"Seek Kansas interpretation or enforcement treatment."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement prerequisite, add-on prohibitions, unauthorized-fee consequence","researcher_record":{"Correction component":"Agreement prerequisite, add-on prohibitions, unauthorized-fee consequence","PASS-02 status":"Preserved unchanged","Claims":"P2-C004","Remaining exact gap or next action":"No additional correction needed."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"TSR credit-repair timing","researcher_record":{"Correction component":"TSR credit-repair timing","PASS-02 status":"Corrected/answered as conditional federal rule","Claims":"P2-C005–C006","Remaining exact gap or next action":"Actual representation, TSR coverage, report, achieved result, permissible purpose, and payment facts remain provider-specific."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"TSR debt-relief trigger","researcher_record":{"Correction component":"TSR debt-relief trigger","PASS-02 status":"Corrected/answered as conditional federal rule","Claims":"P2-C007","Remaining exact gap or next action":"Actual coverage, valid agreement, alteration, and payment facts remain provider-specific."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"TSR allocation/state-authority separation","researcher_record":{"Correction component":"TSR allocation/state-authority separation","PASS-02 status":"Corrected/answered","Claims":"P2-C008","Remaining exact gap or next action":"No Kansas percentage-fee authority or actual earning inferred."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"OSBC PDF page systems","researcher_record":{"Correction component":"OSBC PDF page systems","PASS-02 status":"Corrected","Claims":"P2-C009–C011","Remaining exact gap or next action":"None."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Direct Kansas rules endpoint","researcher_record":{"Correction component":"Direct Kansas rules endpoint","PASS-02 status":"Unresolved access route","Claims":"P2-C010","Remaining exact gap or next action":"Endpoint returned 405; later recovery may verify the direct rule page separately."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Williamson date, pinpoints, and exemption conditions","researcher_record":{"Correction component":"Williamson date, pinpoints, and exemption conditions","PASS-02 status":"Corrected","Claims":"P2-C012","Remaining exact gap or next action":"Final merits and entity-specific qualification remain open."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Hays access route, version, and factual limitation","researcher_record":{"Correction component":"Hays access route, version, and factual limitation","PASS-02 status":"Corrected","Claims":"P2-C013","Remaining exact gap or next action":"Official landing/PDF remained 403; no citator or all-case review performed."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Nazar date, read scope, and procedural posture","researcher_record":{"Correction component":"Nazar date, read scope, and procedural posture","PASS-02 status":"Corrected","Claims":"P2-C014","Remaining exact gap or next action":"No modern contested-license appellate authority supplied."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Current statute labeling and update timestamps","researcher_record":{"Correction component":"Current statute labeling and update timestamps","PASS-02 status":"Corrected","Claims":"P2-C015","Remaining exact gap or next action":"Full 2026 amendment audit remains open."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"CROA source currency","researcher_record":{"Correction component":"CROA source currency","PASS-02 status":"Corrected","Claims":"P2-C016","Remaining exact gap or next action":"Actual CROA applicability and exclusions remain open."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Historical fee and effective-date pinpoints","researcher_record":{"Correction component":"Historical fee and effective-date pinpoints","PASS-02 status":"Corrected","Claims":"P2-C017","Remaining exact gap or next action":"Full later-amendment audit remains open."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Noncustodial agreement fit under 50-1120(c)(5)–(6)","researcher_record":{"Correction component":"Noncustodial agreement fit under 50-1120(c)(5)–(6)","PASS-02 status":"Unchanged unresolved from P1","Claims":"P1-C018/C043","Remaining exact gap or next action":"Inspect rules, orders, approved forms, enforcement records, and later cases."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"K.S.A. 21-6502 “registered” versus current “licensed” wording","researcher_record":{"Correction component":"K.S.A. 21-6502 “registered” versus current “licensed” wording","PASS-02 status":"Unchanged unresolved from P1","Claims":"P1-C016","Remaining exact gap or next action":"Legislative history, opinions, or enforcement interpretation required."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Voluntary-contribution aggregation period","researcher_record":{"Correction component":"Voluntary-contribution aggregation period","PASS-02 status":"Unchanged unresolved from P1","Claims":"P1-C023","Remaining exact gap or next action":"Agency interpretation, order, or case required."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Exact reasonable counseling amount","researcher_record":{"Correction component":"Exact reasonable counseling amount","PASS-02 status":"Unchanged unresolved from P1","Claims":"P1-C024","Remaining exact gap or next action":"Current Commissioner authorization or reasonableness authority required."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Complete current rules/orders/amendment audit","researcher_record":{"Correction component":"Complete current rules/orders/amendment audit","PASS-02 status":"Unchanged open","Claims":"—","Remaining exact gap or next action":"Review all current Kansas rulemaking and public orders without assuming Article 25 is exhaustive."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Current NMLS checklist","researcher_record":{"Correction component":"Current NMLS checklist","PASS-02 status":"Unchanged open","Claims":"P1-C037/C040","Remaining exact gap or next action":"Retrieve the current Kansas CSO checklist; the displayed 2025-report/April 1, 2026 cycle is not a 2027 checklist."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider status","researcher_record":{"Correction component":"Named-provider status","PASS-02 status":"Not performed, unchanged","Claims":"P1-C038","Remaining exact gap or next action":"Requires actual legal name/NMLS identifier and live lookup."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Full trust and agreement operations","researcher_record":{"Correction component":"Full trust and agreement operations","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate operational pass."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Full remedies and limitations","researcher_record":{"Correction component":"Full remedies and limitations","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate remedies/case-law pass."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Secured and sector-specific debt","researcher_record":{"Correction component":"Secured and sector-specific debt","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate mortgage, auto, tax, student, medical, and other sector review."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Collection-law overlap","researcher_record":{"Correction component":"Collection-law overlap","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate collection-agency analysis."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Comprehensive court and enforcement review","researcher_record":{"Correction component":"Comprehensive court and enforcement review","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"No full Kansas citator or enforcement-order sweep occurred here."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Local and tribal law","researcher_record":{"Correction component":"Local and tribal law","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate jurisdiction-specific review."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"Contract, arbitration, choice-of-law, and affiliate structures","researcher_record":{"Correction component":"Contract, arbitration, choice-of-law, and affiliate structures","PASS-02 status":"Unchanged later pass","Claims":"—","Remaining exact gap or next action":"Separate contract/entity analysis."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"},{"topic":"State, parent dossier, or A066 acceptance","researcher_record":{"Correction component":"State, parent dossier, or A066 acceptance","PASS-02 status":"Not evaluated","Claims":"—","Remaining exact gap or next action":"No acceptance follows from this correction."},"coordinator_acceptance":"bounded_patch_supported_with_stated_source_and_scope_limits","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}