{"meta":{"key":"s_ks--pass-03","task":"S_KS","title":"Kansas consumer-money custody, trust, administration, and return","parent_title":"Kansas debt and debt relief law","edition":"pass-03","path":"/research/s_ks--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":38,"sources":11,"review_status":"accepted_with_limits_checked_core_three_material_patchgroups_resolved","review_complete":true,"sha256":"f4a0ffe9a32b927a2640eb589cf60e81195e8e32802f7f23e944cff09d9a2bf8","headings":["Kansas consumer-money custody, trust, administration, and return","1. Covered fund flows and account architecture","1.1 Direct custodial debt-management flow","1.2 K.S.A. 50-1120(c)(5)–(6) remains structurally custodial","1.3 Indirect custody and control","1.4 Consumer-owned designated accounts","1.5 Creditor-paid flows","Account and model matrix","2. Institution, account designation, segregation, deadlines, fees, interest, and shortages","2.1 Institution and account designation","2.2 Four-calendar-day deposit rule","2.3 Creditor-distribution deadline","2.4 Permitted trust-account destinations","2.5 Segregation and commingling","2.6 Misdirected payments","2.7 Interest, reserves, shortages, and reversals","3. Consumer ledgers, statements, regulator access, records, and account changes","3.1 Per-consumer ledger","3.2 Consumer statements","3.3 General records and retention","3.4 Annual and event reporting","3.5 OSBC Trust Account Authorization and Consent","3.6 Surrender report","3.7 Examination and regulator control","4. Cancellation, creditor rejection, provider termination, surrender, and insolvency","4.1 Consumer rescission","4.2 Completed remittances versus currently held money","4.3 Previously paid fees","4.4 Rejected creditor plan or failed enrollment","4.5 Provider termination or agreement termination","4.6 Surrender, lapse, and account closure","4.7 Insolvency","5. Limited Kansas money-transmission gateway","5.1 Definition and license requirement","5.2 Material exemptions","5.3 Payee-agent and intermediary distinctions","5.4 Authorized delegates","5.5 Unlicensed-principal exposure","5.6 KMTA refund provision","5.7 Direct CSO–KMTA overlap remains held","6. Conditional federal dedicated-account overlay","Common assumptions","Ledger L1 — Normal custodial receipt and remittance","Ledger L2 — Written rescission using the preserved $1,200 current-held balance","Ledger L3 — Completed creditor payment before rescission","Ledger L4 — Misdirected payment and actual creditor charge","Ledger L5 — Creditor rejects plan before remittance","Branch A — No rescission yet","Branch B — Consumer then provides written rescission","Ledger L6 — Pooled trust with consumer subledgers","Shortage branch","Ledger L7 — Conditional federal dedicated-account withdrawal","Ledger L8 — Independent administrator classification hold","Actually read or inspected in PASS-03","Preserved without wholesale rerun","Not read, not obtained, or not established","Method limits"],"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-03","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["client-money"]},"scope":"ReviewedP1remainingfunds/trust/account/examination/administrator/return operational component, priorP2precision andbroaderholdsretained.","pending_corrections":0},"markdown":"# SettleADebt.com — S_KS, PASS-03\n\n## Kansas consumer-money custody, trust, administration, and return\n\n**Fresh public-source access date:** October 25, 2026, Pacific time\n**Actual model:** GPT-5.6 Sol Pro, the available authorized quality-first fallback\n**Review character:** Continuation in the original Chat by the same project workflow; **not an independent review**\n**Scope:** Consumer funds, trust accounts, fund administration, records, examinations, cancellation/return, cessation, and the limited money-transmission and federal dedicated-account gateways needed to classify those flows.\n\nPASS-01 and PASS-02 remain preserved. This pass does not regenerate their licensing, fee, attorney-exemption, federal timing, historical-fee, or worked-example analyses. In particular:\n\n- No fee is treated as earned merely because a fee category or ceiling exists.\n- The corrected electronic-payment agreement predicate remains unchanged.\n- Prior example E05 begins with **$1,200 currently held principal**; previously accounted remittances and $135 of prior fees are not deducted again.\n- The unresolved noncustodial agreement architecture, criminal “registered/licensed” mismatch, voluntary-contribution aggregation period, reasonable counseling fee, percentage-fee pathway, current NMLS checklist, and named-provider status remain open except where this pass necessarily addresses a fund-flow boundary.\n\n# Executive determination\n\nKansas’s statutory trust system is designed most clearly for a **direct custodial debt-management model** in which the consumer pays money to the licensed credit-services organization and the licensee sends that money to participating creditors. The written agreement must schedule payments to the licensee for creditor disbursement and list the creditor payments the licensee will make. Funds received for that purpose must be placed in a consumer-benefit trust account within four calendar days. The licensee must keep a separate ledger for every consumer, remit funds under the statutory timing constraints, use trust money only for that consumer’s creditors or return it to that consumer, and keep the trust account separate from operating accounts. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/)\n\nUpon written rescission, Kansas requires return of **all funds then held in trust for that consumer** within ten calendar days after the licensee receives the rescission. The statute does not direct the return of money already validly and finally remitted to creditors, does not create new fee earning at cancellation, and does not itself decide whether a previously paid fee was earned or refundable. Unauthorized-payment restitution under K.S.A. 50-1126(e) is a separate rule. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nKansas does **not** expressly authorize a provider to take its fees from creditor-payment principal in the trust account. K.S.A. 50-1122(b)(5) permits trust-account disbursements only to that consumer’s creditors or back to the consumer. Consumer fees, government filing charges, bond costs, and consumer principal are distinct categories; a provider cannot use a fee ceiling as authority to net a fee from trust principal. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nA consumer-owned account administered by an independent third party under the federal TSR is a different architecture. The conditional federal rule makes the customer the owner, requires an insured institution and an independent non-referral-paid administrator, and provides a seven-business-day return after withdrawal from the debt-relief service. Those federal conditions do not establish that the account is the Kansas statutory trust account, satisfy K.S.A. 50-1120(c)(5)–(6), or authorize a Kansas fee. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nKansas’s current public trust-account form adds operational details: it calls for every associated trust-account number and every person or position with access, says a current form must remain on file, says it should be uploaded to NMLS, authorizes regulator access to bank information, and requires ten days’ prior notice before the referenced account is closed or terminated. The form is operational material, not a replacement for the statute, a bank’s acceptance, or a complete current NMLS checklist. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com)\n\n# A. Substantive findings\n\n## 1. Covered fund flows and account architecture\n\n### 1.1 Direct custodial debt-management flow\n\nA direct custodial model is the clearest statutory case:\n\n1. The consumer pays funds to the licensee for distribution to creditors.\n2. The agreement schedules those consumer-to-licensee payments.\n3. The agreement identifies the payments the licensee will make to participating creditors.\n4. The licensee deposits the creditor-payment funds into its statutory trust account.\n5. The licensee remits the money to creditors and maintains a separate consumer ledger.\n\nReceiving or offering to receive consumer money for distribution among creditors is independently included in Kansas’s definition of debt-management services. The trust account is defined as an account established by the applicant or licensee in a federally insured financial institution for consumer-paid funds, with a designation indicating that the money is not the provider’s, its owners’, officers’, or employees’ money and is unavailable to the provider’s creditors. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/)\n\nThe current text of K.S.A. 50-1117(j) contains a syntactic break around the phrase introducing the required account designation. That drafting defect should not be repaired by inventing an account title. The surrounding operative elements are readable, but the statute does not prescribe a literal caption such as “FBO,” “escrow,” or any particular bank product name.\n\n### 1.2 K.S.A. 50-1120(c)(5)–(6) remains structurally custodial\n\nThe mandatory written-agreement clauses require:\n\n- A schedule of payments the consumer must make **to the licensee** for disbursement to creditors.\n- A list of participating creditors to which payments **will be made by the licensee**, including amounts and dates.\n\nThe current text supplies no alternative contract branch for a consumer-owned account from which the consumer alone pays creditors. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/)\n\nPASS-01 correctly established that a noncustodial settlement or negotiation service can still fall within the broad Kansas definition. PASS-03 did not locate a current public formal OSBC order or controlling decision that reconciles that definitional coverage with the custodial agreement clauses. Therefore:\n\n- It is not established that a consumer-owned account automatically satisfies K.S.A. 50-1120(c)(5)–(6).\n- It is not established that a zero-dollar payment schedule, consumer power of attorney, ACH instruction right, or administrator arrangement cures the issue.\n- It is not established that every covered negotiation service must take custody.\n- The precise compliant architecture for a purely noncustodial Kansas program remains held under prior claims S_KS-P1-C018 and S_KS-P1-C043.\n\n### 1.3 Indirect custody and control\n\nAn account’s marketing name, nominal administrator, remote headquarters, or third-party processor does not determine custody. Material facts include:\n\n- Legal account holder and beneficial-interest language.\n- Who establishes the account.\n- Authorized signers and persons with online access.\n- Who can originate ACH transfers, approve checks, change payees, freeze funds, or close the account.\n- Whether an affiliate’s authority is contractual, agency-based, discretionary, or purely ministerial.\n- When receipt by the administrator legally counts as receipt by the provider or creditor.\n- Who bears loss if an administrator fails to transmit.\n- Whether the administrator is a licensed money transmitter, authorized delegate, qualifying payee agent, exempt intermediary, or none of those.\n\nThe CSO Act does not expressly define “indirect control” of a consumer account. The OSBC trust form’s demand for every person or position with account access shows that access is operationally material, but it does not create a standalone statutory test. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf)\n\n### 1.4 Consumer-owned designated accounts\n\nA federal dedicated account under 16 C.F.R. §310.4(a)(5)(ii) is expressly customer-owned. By contrast, the Kansas trust account is established by the CSO applicant or licensee and is integrated into an agreement calling for payments to and disbursements by the licensee. The two can therefore not be treated as interchangeable merely because both are sometimes called “dedicated,” “special purpose,” “FBO,” or “trust” accounts. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/)\n\nA consumer-owned account may be genuinely noncustodial where the provider cannot direct, debit, block, or otherwise control the money and the consumer pays creditors directly. It may instead be functionally custodial where the provider or affiliate exercises material payment authority. Actual documents and authority facts are required.\n\n### 1.5 Creditor-paid flows\n\nCompensation paid by a creditor and not assessed to the consumer remains separate from consumer trust principal under the prior fee analysis. That does not permit a provider to route consumer principal through a creditor-payment label or to net provider compensation from the statutory trust account. No creditor-paid amount is modeled as consumer money in this pass.\n\n## Account and model matrix\n\n| Model or flow | Account ownership/control facts | Kansas CSO trust treatment | Return and timing consequences | Other gateway and status |\n| --- | --- | --- | --- | --- |\n| **Licensee-established custodial DMP trust** | Licensee establishes account; consumer principal paid to licensee for creditor disbursement | Clear statutory trust-account model | Deposit within four calendar days; creditor remittance under K.S.A. 50-1122(b)(2); written rescission return of funds currently held within ten calendar days | Answered at statutory level |\n| **Pooled licensee trust with individual subledgers** | One bank balance; separate internal consumer ledgers | Textually compatible because separate *records*, not separate bank accounts, are mandated; not an approval of any particular pooling setup | Same duties apply consumer by consumer | Reconciliation frequency, interest allocation, shortage cure, and account-specific approval unresolved |\n| **Multiple licensee-established trust accounts** | More than one account used by licensee | Not prohibited by reviewed text; OSBC form accepts associated account number(s) | Same consumer-specific duties; each closing is subject to form-level prior notice | No rule found allocating consumers among accounts or governing transfers between them |\n| **Consumer-owned federal dedicated account with independent administrator** | Customer owns funds; administrator independent and non-affiliated under the conditional TSR rule | Not automatically the Kansas statutory trust account; K.S.A. 50-1120(c)(5)–(6) fit unresolved | Conditional federal seven-business-day rule after withdrawal from service; Kansas ten-calendar-day trust rule cannot simply be substituted | TSR coverage and every §310.4(a)(5) condition remain fact-dependent |\n| **Affiliate- or processor-controlled account** | Nominal third party but provider/affiliate may direct transfers or access money | Classification held; labels do not prove noncustody | Depends on actual receipt, control, contractual authority, and account title | Potential CSO and KMTA implications; exact entity facts required |\n| **True noncustodial consumer-to-creditor model** | Consumer retains control; provider never receives or directs money; consumer pays creditor directly | K.S.A. 50-1122 is not triggered merely by provider negotiation if no consumer funds are received, but provider remains potentially covered as a negotiator | No Kansas trust balance to return; agreement architecture remains unresolved | PASS-01 licensing and fee constraints remain |\n| **Money-transmitter authorized delegate** | Administrator acts under a written contract for a licensed money transmitter | KMTA delegate trust is for the transmitter’s benefit, not automatically the Kansas CSO consumer trust | Delegate must stop immediately when principal license ceases; no subdelegation | Requires actual licensed principal, written appointment, scope, records, and compliance |\n| **Qualifying payee agent** | Payee appoints agent; payee holds agent out; payment extinguishes payer obligation without payer loss risk | Not established merely by calling the processor an agent | Depends on actual payee-agent agreement and receipt effect | Conditional KMTA exemption only |\n| **Creditor-paid compensation** | Creditor pays provider separately; consumer principal not used | Not consumer trust principal on stated facts | No trust return calculation | Prior P1 fee conditions preserved |\n\n## 2. Institution, account designation, segregation, deadlines, fees, interest, and shortages\n\n### 2.1 Institution and account designation\n\nKansas requires the statutory account to be:\n\n- Established by the applicant or licensee.\n- At a **federally insured financial institution**.\n- Used for consumer-paid money.\n- Designated to indicate that the funds are not provider, owner, officer, or employee funds.\n- Designated as unavailable to creditors of the applicant or licensee. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/)\n\nThe reviewed CSO provisions do **not** establish:\n\n- That the account must be located in Kansas.\n- That every dollar receives federal deposit-insurance coverage.\n- Pass-through deposit-insurance status for each consumer.\n- Federal bankruptcy exclusion or priority.\n- Eligibility of a particular bank, credit union, fintech program, or omnibus account.\n- Bank acceptance of the arrangement.\n- An approved account-title formula.\n- Any ACH-network authorization.\n\nThe CSO statute says “federally insured financial institution.” The OSBC operational form uses both “financial institution” and “named bank.” Neither establishes that every type of federally insured institution or every account product is acceptable. The separate KMTA definition of a federally insured depository institution is not imported into the CSO Act by assumption.\n\n### 2.2 Four-calendar-day deposit rule\n\nAny money paid to the licensee by or on behalf of the consumer **for creditor disbursement** must be deposited into the consumer-benefit trust account within four calendar days after receipt. No reviewed text supplies a weekend, holiday, ACH-settlement, returned-item, or remote-processing extension. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nThis requirement applies to the portion actually paid for creditor disbursement. It does not transform a separately authorized fee into creditor principal, and it does not authorize netting a fee from a combined or ambiguous receipt before depositing the principal portion.\n\n### 2.3 Creditor-distribution deadline\n\nK.S.A. 50-1122(b)(2) says funds must be disbursed to creditors:\n\n- Within 20 calendar days after receipt; **or**\n- By the latest date before delay would cause the consumer a fee, charge, or penalty.\n\nK.S.A. 50-1121(a) separately prohibits delaying payment for the purpose of increasing consumer interest, costs, fees, or charges. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nThe statute does not literally say “whichever occurs first.” Operationally, however:\n\n- Twenty calendar days is the fixed outside limit.\n- Where a consumer penalty would arise sooner, the second clause and anti-delay rule require action before that earlier consequence.\n\nNo public formal Kansas interpretation was located resolving every date-conflict or bank-settlement scenario. Accordingly, ledger examples use the **earlier protective constraint** but do not invent calendar dates, cut-off times, posting conventions, grace periods, or creditor-receipt rules.\n\n### 2.4 Permitted trust-account destinations\n\nA licensee may disburse a consumer’s trust-account money only:\n\n1. To that consumer’s creditors; or\n2. Back to that consumer. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nNo third destination is stated. Consequently, PASS-03 found no statutory path for:\n\n- Provider fee withdrawals from the trust.\n- Affiliate service fees from the trust.\n- Processor fees from the trust.\n- Government filing or examination charges from the trust.\n- Bond premiums from the trust.\n- Cross-consumer transfers.\n- Loans from one consumer subledger to another.\n- Operating-account sweeps.\n\nA lawfully authorized consumer fee can be collected through a legally valid separate payment flow, subject to all prior Kansas and conditional federal requirements. The existence of a fee category or cap does not make the fee earned and does not permit deduction from creditor-payment principal.\n\n### 2.5 Segregation and commingling\n\nThe trust account cannot be commingled with the licensee’s operating accounts. Separate records must also be maintained for every consumer. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nThe statute does not expressly require a separate bank account for every consumer. A pooled account supported by individual subledgers is therefore textually possible, but that is an inference from what the statute requires—not approval of a particular omnibus, FBO, virtual-ledger, or fintech structure.\n\n### 2.6 Misdirected payments\n\nThe licensee must:\n\n- Correct a payment misdirected because of its error.\n- Reimburse the consumer for actual creditor fees or charges resulting from that misdirection. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nThe statute does not prescribe the accounting source for the reimbursement or a separate reimbursement deadline. Economically, charging the reimbursement against the consumer’s own creditor principal would not make the consumer whole. The examples therefore treat error reimbursement as a provider obligation outside the consumer’s trust balance. Any unreversed wrong payment, temporary shortage, duplicate payment, or chargeback requires actual transaction facts.\n\n### 2.7 Interest, reserves, shortages, and reversals\n\nNo current CSO statute, K.A.R. 17-25-1 text, trust-consent form, current administrative-interpretation compilation, or current guidance compilation reviewed in this pass supplied a CSO-specific rule establishing:\n\n- Whether a Kansas statutory trust must or may earn interest.\n- Who owns interest if earned.\n- A minimum reserve or cushion.\n- A required reserve-account location.\n- A daily or monthly reconciliation frequency.\n- A shortage-cure deadline.\n- Treatment of ACH returns, chargebacks, reversed wires, unclaimed checks, stale checks, stop payments, or returned creditor remittances.\n- A required overdraft or zero-balance policy.\n- A consumer-by-consumer method for allocating pooled interest or bank charges.\n\nThese matters remain held. The absence of a located public provision is not authority to retain interest, shift losses to consumers, operate with shortages, or use a reserve.\n\n## 3. Consumer ledgers, statements, regulator access, records, and account changes\n\n### 3.1 Per-consumer ledger\n\nThe licensee must maintain a separate account record for each consumer receiving debt-management services. This is a bookkeeping requirement distinct from the bank-account structure. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\nAt minimum, a compliant ledger must be capable of supporting the required quarterly consumer report and the broader record-retention duties. That means the record set must be able to identify:\n\n- Total money received from the consumer.\n- Total sent to each creditor.\n- Current creditor balances or payoff amounts.\n- Fees paid to the licensee.\n- Current amount held for the consumer, or zero. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/)\n\n### 3.2 Consumer statements\n\nAt least once every three months—not necessarily on calendar-quarter dates—the licensee must provide each agreement consumer a report showing:\n\n- Total received to date.\n- Total paid to each creditor to date.\n- Payoff amount or estimated balance for each debt.\n- Consumer-paid fees.\n- Current trust amount or a statement that none is held. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/)\n\nThis report is not the same as continuous online bank access. PASS-03 found no public Kansas CSO provision requiring the consumer to receive direct bank credentials, real-time transaction access, daily statements, or a bank-issued subaccount statement.\n\n### 3.3 General records and retention\n\nThe licensee must retain:\n\n- A complete general ledger covering assets, liabilities, capital, income, and expenses for five years.\n- Complete records for each debt-management agreement during its term and for five years after cancellation or completion.\n- Agreement documents and extensions, payments, disbursements, charges, correspondence, and other consumer information.\n\nIf records are outside Kansas, the licensee must provide them to the Commissioner within three calendar days or, at the Commissioner’s discretion, pay reasonable and necessary expenses for an out-of-state examination. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/)\n\nThe reviewed text does not prescribe an exclusive electronic format, immutable audit-log standard, bank-file format, backup interval, or reconciliation worksheet.\n\n### 3.4 Annual and event reporting\n\nEach licensee must file an annual report by April 1 covering the preceding calendar year. The report is confidential and may be published only in composite form. Within 15 calendar days, the licensee must report specified events, including:\n\n- Bankruptcy or reorganization.\n- Relevant governmental licensing or disciplinary proceedings.\n- Certain felony convictions.\n- Name or legal-entity-status changes.\n- Addition or loss of owners, officers, partners, or directors. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/)\n\nThese duties do not by themselves determine disposition of trust funds after an event.\n\n### 3.5 OSBC Trust Account Authorization and Consent\n\nThe current public form is **Form CSO-5, revision 09/2025**. It states operationally that:\n\n- Every CSO applicant or registrant must keep a current form on file.\n- The form “should” be uploaded to NMLS.\n- The referenced account must not be closed or terminated without ten days’ prior notice to the Commissioner or designee.\n- The signer irrevocably authorizes the named bank to provide account information to the regulator.\n- The form identifies the CSO legal name, financial institution, institution address, associated trust-account number or numbers, and every person or position with access.\n- The form requires an authorized signature and notarization. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com)\n\nImportant limits:\n\n- The form retains older “applicant/registrant” terminology.\n- “Should be uploaded” is not phrased as “shall.”\n- Prior notice is not stated to be regulatory approval.\n- The form does not establish an effective closure date, a consumer distribution plan, or whether closure is permissible while balances remain.\n- It does not prove that the institution accepted the account as compliant.\n- It does not prove pass-through insurance or bankruptcy treatment.\n- It does not establish the complete current Kansas NMLS filing package.\n\n### 3.6 Surrender report\n\nThe **Kansas CSO YTD Report Upon Surrender, revision 04/2026**, instructs a licensee to file within 15 days after requesting surrender. It seeks:\n\n- New Kansas agreements entered during the year-to-date period.\n- Consumer money remitted to and held by the organization in an established trust account for creditor disbursement.\n- Itemized consumer fees.\n- Completed agreements.\n- Agreements still existing as of surrender or lapse.\n- Total assets. [Kansas Bank Commissioner+1](https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf)\n\nThe form demonstrates that the agency expects a surrendering or lapsing licensee to report existing agreements and trust-flow volume. It does **not** establish:\n\n- That surrender is immediately effective.\n- That active agreements terminate automatically.\n- That trust duties disappear upon surrender or lapse.\n- A specific consumer-notice method.\n- A trust-return recipient or deadline.\n- Permission to close the trust account.\n- A regulator-approved wind-down plan.\n\n### 3.7 Examination and regulator control\n\nThe Commissioner may examine or investigate a CSO’s operations, books, and records; obtain reasonable access to offices and all relevant records; use out-of-state officials; charge examination costs; subpoena evidence; and, specifically, **seize and distribute the licensee’s trust-account funds to protect consumers and the public interest**. Examination reports are confidential subject to specified disciplinary, liquidation, criminal, and regulator-sharing exceptions. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/)\n\nInsolvency and insufficient records to permit a satisfactory compliance audit are express grounds for denial, suspension, revocation, or refusal to renew. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/)\n\nThis pass does not determine bond recovery, liquidation priority, receivership procedure, or private remedies.\n\n## 4. Cancellation, creditor rejection, provider termination, surrender, and insolvency\n\n### 4.1 Consumer rescission\n\nThe agreement must notify the consumer that the consumer may rescind at any time by giving written notice to the licensee. When the licensee receives that rescission, all money **then held in trust for the consumer** must be refunded to the consumer within ten calendar days. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/)\n\nThe trigger and calculation are therefore:\n\n- **Trigger:** Licensee receipt of written rescission.\n- **Return base:** Funds currently held on the consumer’s behalf.\n- **Recipient:** Consumer.\n- **Deadline:** Ten calendar days after receipt.\n- **New cancellation fee:** Prohibited under the fee section.\n- **New fee earning merely because of cancellation:** Not established.\n\n### 4.2 Completed remittances versus currently held money\n\nA creditor remittance that was validly completed before rescission is no longer “held in the trust account” on the consumer’s behalf. It is not subtracted again from the current-held balance and is not automatically clawed back by K.S.A. 50-1122(c).\n\nBy contrast, an ACH transfer, check, or wire that is pending, reversible, rejected, stale, or returned may still affect the true current-held amount. No transaction outcome should be assumed without settlement evidence.\n\n### 4.3 Previously paid fees\n\nK.S.A. 50-1122(c) addresses trust principal held at rescission. It does not say that every previously paid, lawfully earned fee must be returned. Conversely, it does not make a previously paid fee earned.\n\nSeparate questions include:\n\n- Whether the fee was authorized by K.S.A. 50-1126.\n- Whether the state agreement predicate was satisfied.\n- Whether any independently applicable federal performance trigger was satisfied.\n- Whether the fee was already paid from a separate lawful source.\n- Whether contract, restitution, or remedial law requires repayment.\n\nAn unauthorized fee, charge, fund, or payment must be returned under K.S.A. 50-1126(e), absent the statutory accidental-and-bona-fide-error qualification, and the agreement becomes void. That is distinct from the ten-day trust-principal return. [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/)\n\n### 4.4 Rejected creditor plan or failed enrollment\n\nWhere the licensee already holds consumer principal but a creditor rejects the plan:\n\n- Trust money may go only to that consumer’s creditors or back to the consumer.\n- The provider may not recharacterize the stranded principal as its fee.\n- The ordinary creditor-remittance requirements remain relevant.\n- The reviewed statute supplies no separate express “creditor rejected the plan” return deadline absent rescission.\n\nIf the consumer then submits written rescission, the ten-calendar-day return rule applies to the money currently held. Without rescission, the proper disposition must still be one of the two authorized destinations, but PASS-03 does not invent a deadline not stated in the reviewed text.\n\n### 4.5 Provider termination or agreement termination\n\nThe reviewed provisions do not supply a distinct provider-initiated termination return clock. A provider cannot use that silence to convert trust principal into revenue. Actual contract language, notices, remaining creditor instructions, transaction status, and any regulatory wind-down order are required.\n\nFull contract enforceability, breach, restitution, and remedies remain outside this component.\n\n### 4.6 Surrender, lapse, and account closure\n\nThe surrender form requires reporting within 15 days from the surrender request and specifically asks how many Kansas agreements remain in existence at surrender or lapse. The trust-consent form separately requires ten days’ prior notice before closing or terminating the referenced account. Neither form states that license surrender, lapse, or an account-closure notice extinguishes outstanding trust duties. [Kansas Bank Commissioner+1](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf)\n\n### 4.7 Insolvency\n\nBankruptcy or reorganization must be reported within 15 calendar days. Insolvency is a licensing-action ground, and the Commissioner may seize and distribute trust funds. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/)\n\nThe reviewed authority does not establish:\n\n- Federal bankruptcy-estate exclusion.\n- Priority among consumers, banks, processors, creditors, and bond claimants.\n- A pro-rata allocation method for a short account.\n- Setoff rights.\n- The interaction with deposit-insurance receivership.\n- Bond exhaustion rules.\n- A private consumer claims process.\n\nThose remain for the later insolvency, bond, and remedies passes.\n\n## 5. Limited Kansas money-transmission gateway\n\nThis gateway matters where a separate administrator, processor, affiliate, or platform receives Kansas consumer money and forwards it to a creditor or another recipient.\n\n### 5.1 Definition and license requirement\n\nThe current Kansas Money Transmission Act defines money transmission to include receiving money for transmission from a person located in Kansas. “Receiving money for transmission” means receiving money or monetary value in the United States for transmission within or outside the United States by electronic or other means. A person may not engage in or hold itself out as providing money transmission unless licensed, acting within the authority of a licensed transmitter as an authorized delegate, or within an exemption. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/)\n\nThat language makes an independent administrator that actually receives Kansas consumer money for later creditor transmission a potential KMTA actor. It does not establish that every software provider, bank interface, ACH vendor, or account-information service receives money.\n\n### 5.2 Material exemptions\n\nCurrent K.S.A. 9-556 includes, among others:\n\n- A payment-system operator, but only to the extent it provides processing, clearing, or settlement between exempt persons or licensees.\n- A payee-appointed agent where a written payee-agent agreement exists, the payee holds the agent out, and receipt by the agent extinguishes the payer’s obligation without payer loss risk.\n- An intermediary where the underlying entity is licensed or exempt, is identified to the sender as the provider, and bears sole responsibility to make the sender whole.\n- A federally insured depository financial institution.\n- An employee acting under supervision, but not an independent contractor.\n- A third-party service provider or agent of the governmental entity specified in paragraph (a)(6), subject to a written-functions agreement and governmental assumption of risk and legal responsibility.\n- Practice of law, bookkeeping, accounting, real-estate sales, or brokerage.\n- A person exempted by Commissioner rule or order.\n\nThe Commissioner may require documentation supporting an exemption. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/)\n\nA CSO license, nonprofit status, attorney connection, processor contract, bank relationship, or “agent” label is not itself one of the reviewed automatic KMTA exemptions.\n\n### 5.3 Payee-agent and intermediary distinctions\n\nA consumer’s appointment of an administrator is not the payee-agent exemption. That exemption requires appointment **by the payee**, public holding-out by the payee, and legal extinguishment of the consumer’s obligation upon the agent’s receipt, with no consumer loss risk if the agent fails to remit.\n\nSimilarly, an intermediary exemption requires an identified licensed or exempt underlying transmitter that bears sole responsibility for the outstanding transmission obligation. A receipt bearing a platform name does not alone establish those conditions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/)\n\n### 5.4 Authorized delegates\n\nA licensed money transmitter may use an authorized delegate only under a signed written contract establishing the relationship and scope, compliance duties, handling rules, records, examination consent, and a trust in net transmission money for the licensed transmitter’s benefit. The delegate cannot use a subdelegate.\n\nWhen the transmitter’s license is suspended, revoked, surrendered, or expires:\n\n- Delegates must immediately stop acting under that authority.\n- The licensee must document notice to applicable delegates within five business days. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/)\n\nThis KMTA delegate trust is not the same trust as the Kansas CSO consumer-benefit trust.\n\n### 5.5 Unlicensed-principal exposure\n\nA person transmitting money on behalf of an unlicensed and nonexempt person is deemed to have provided money transmission and is jointly and severally liable with that person. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/)\n\nThus, a processor cannot assume that its customer’s claimed CSO status resolves the processor’s own KMTA position.\n\n### 5.6 KMTA refund provision\n\nK.S.A. 9-582 conditionally requires a licensed money transmitter to refund money within ten days after receiving the sender’s written request, subject to listed exceptions. The section excludes certain Regulation E remittance transfers and money received under a written licensee-payee payment-processing agreement for the payee’s goods or services. Other exceptions include money already forwarded or committed within ten days, an agreement scheduling later transmission, and specified crime or legal-violation concerns. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/)\n\nThis is a money-transmission rule, not the CSO rescission rule. It must not be used to:\n\n- Replace Kansas’s ten-calendar-day CSO trust return.\n- Establish that a CSO or its administrator is a money transmitter.\n- Determine a CSO agreement’s cancellation effect.\n- Authorize a provider fee.\n\n### 5.7 Direct CSO–KMTA overlap remains held\n\nThe modern KMTA definition is broad enough that a direct custodial CSO’s receipt of consumer money for onward creditor payment could be textually relevant. At the same time, the CSO Act expressly creates and regulates the custodial DMP pathway. The reviewed K.S.A. 9-556 text contains no express “licensed credit services organization” exemption.\n\nPASS-03 did not locate a current public formal OSBC order, administrative interpretation, or controlling case resolving whether a properly licensed custodial Kansas CSO also requires separate KMTA authority for its own statutory trust activity. Therefore:\n\n- No separate MT-license requirement is asserted for the direct CSO in this pass.\n- No implicit CSO exemption is asserted.\n- The independent administrator or affiliate must be analyzed separately.\n- The exact overlap is an express remaining regulatory-interpretation gap.\n\n## 6. Conditional federal dedicated-account overlay\n\nWhere the TSR applies, 16 C.F.R. §310.4(a)(5)(ii) permits a customer account used for creditor payments and debt-relief fees only if:\n\n- It is at an insured financial institution.\n- The customer owns the money and receives accrued interest, if any.\n- The administrator is not owned, controlled by, or affiliated with the debt-relief service.\n- The administrator neither gives nor accepts referral compensation involving the service.\n- The customer may withdraw from the debt-relief service without penalty and must receive all account money, except fees earned in compliance with **all** §310.4(a)(5)(i)(A)–(C) conditions, within seven business days after the request. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe following distinctions control:\n\n| Event | Governing concept |\n| --- | --- |\n| Customer withdraws from the debt-relief service | Conditional federal seven-business-day account-funds return |\n| Consumer sends written rescission to Kansas custodial CSO | Kansas ten-calendar-day return of funds currently held in the CSO trust |\n| Consumer closes a bank account or revokes ACH authority | Separate bank, contract, and payment-authorization issue |\n| Provider wants to deduct a fee | Must satisfy Kansas fee authority and every independently applicable federal earning condition |\n| Administrator is independent under TSR | Does not establish KMTA exemption or Kansas CSO trust compliance |\n| Kansas allows a fee category | Does not establish federal earning or TSR coverage |\n| Federal rule permits a dedicated account | Does not authorize a Kansas percentage fee or cure K.S.A. 50-1120(c)(5)–(6) |\n\nNo universal TSR coverage, actual fee earning, valid settlement, creditor payment, or administrator independence is inferred.\n\n# B. Source table\n\n| Source ID | Prior alias | Title, issuer, and complete literal URL | Exact clause/page actually read | Status, access, and limitation |\n| --- | --- | --- | --- | --- |\n| **S_KS-P3-S001** | S_KS-P1-S002; S_KS-P2-S001 | Kansas Revisor, selected current CSO sections: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/ | 50-1117(d), (j); 50-1120(c)(4)–(6), (11); 50-1121(a), (t), (u); complete 50-1122(a)–(d); complete 50-1123; 50-1124(a)–(c); complete 50-1125; 50-1126(b)(3), (e); 50-1127(c), (f); 50-1128(b), (d), (m), (n) | Freshly read Oct. 25, 2026 Pacific. Pages label themselves 2026 Kansas Statutes. Website data timestamps are not enactment or effective dates. Selected sections only; not every Article 11 section and not an exhaustive amendment audit. [Kansas Legislature+6](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/) |\n| **S_KS-P3-S002** | S_KS-P1-S001; S_KS-P2-S002 | Kansas OSBC, *2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act*: https://osbckansas.gov/legal/cso_2026.pdf | Trust definition: PDF page 3/index 2/printed CSO Statutes 2. Agreement provisions: PDF pages 6–7/indices 5–6/printed 5–6. Prohibitions and trust start: PDF page 9/index 8/printed 8. Trust continuation and consumer report: PDF page 10/index 9/printed 9. Reporting/records: PDF pages 11–12/indices 10–11/printed 10–11. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Commissioner powers: PDF pages 15–16/indices 14–15/printed 14–15. Article 25 outline: PDF page 21/index 20. Complete K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1. | Relevant pages freshly parsed and visually checked. The file has 22 PDF pages, not 22 printed statute pages. K.A.R. 17-25-1 addresses application and renewal charges, not trust operations. Prior direct-rules-endpoint 405 remains preserved and was not repeatedly retried. No coordinator PDF pixels are retroactively claimed. [Kansas Bank Commissioner+9](https://osbckansas.gov/legal/cso_2026.pdf) |\n| **S_KS-P3-S003** | New | Kansas OSBC, *Trust Account Authorization and Consent*, Form CSO-5, rev. 09/2025: https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf | One-page form, lines/fields covering current-form requirement, NMLS upload wording, ten-day prior closure notice, regulator information consent, account numbers, and persons/positions with access | Freshly parsed and visually inspected Oct. 25. Operational form, not statute or regulation. Does not prove account approval, bank acceptance, insurance treatment, or complete filing requirements. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com) |\n| **S_KS-P3-S004** | New | Kansas OSBC, *Kansas Credit Services Organization YTD Report Upon Surrender*, rev. 04/2026: https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf | One-page form: instructions and 15-day filing wording; rows for trust money, fees, completed agreements, existing agreements at surrender/lapse, and assets | Freshly parsed and visually inspected. Does not establish surrender effectiveness, consumer return timing, account closure, or wind-down approval. [Kansas Bank Commissioner+1](https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf) |\n| **S_KS-P3-S005** | S_KS-P1-S005 | Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/ | CSO portion, page lines 134–162: CSO license/NMLS route, past 2025 report and April 1, 2026 cycle, trust form, and surrender form links; MT overview at lines 120–125 | Freshly read. The displayed renewal cycle is past and is not a 2027 checklist. Generic NMLS instructions do not establish the current Kansas-specific package. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/) |\n| **S_KS-P3-S006** | S_KS-P1-S015; S_KS-P2-S003 | eCFR, 16 C.F.R. §310.4: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | §310.4(a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially insured institution, consumer ownership, accrued interest, administrator independence, referral ban, and seven-business-day return | Freshly read. eCFR displayed Title 16 current through Oct. 22, 2026. Conditional federal overlay only; no universal coverage or state fee authority. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_KS-P3-S007** | New | Kansas Revisor, selected current KMTA sections: https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0062_section/009_005_0062_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0081_section/009_005_0081_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/ | 9-555(b)(19), (23), (28); complete material 9-556(a)–(c); 9-562(a)–(b); 9-579(b)–(g); complete 9-580; 9-581(a)–(b); complete 9-582 | Fresh selected read. Not the complete KMTA and not an exhaustive 2026 amendment audit. The relevant general modernized provisions state a January 1, 2025 operative date; later virtual-currency-kiosk amendments were not used to decide this ordinary administrator gateway. [Kansas Legislature+6](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/) |\n| **S_KS-P3-S008** | New | Kansas OSBC, *2026 Kansas Money Transmission Act*: https://osbckansas.gov/legal/kmta_2026.pdf | Definitions: PDF index 4/printed KMTA Statutes 3 and index 6/printed 5. Exemptions: indices 7–9/printed 6–8. License requirement: index 13/printed 12. Authorized delegate: indices 30–31/printed 29–30. Forwarding/refund: indices 32–33/printed 31–32. | Freshly read relevant pages and visually inspected. Forty-seven-page compilation. Corroborative official agency compilation; direct Revisor text controls where available. Not a complete reading of every KMTA section. [Kansas Bank Commissioner+10](https://osbckansas.gov/legal/kmta_2026.pdf) |\n| **S_KS-P3-S009** | S_KS-P1-S008 | Kansas OSBC, *2026 Administrative Interpretations*: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf | Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match | Fresh bounded check only. The compilation states the listed interpretations arise under K.S.A. 16a-6-104(1)(f); no CSO trust interpretation appeared in its outline or searched text. This does not prove no unpublished order or other interpretation exists. [Kansas Bank Commissioner+3](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) |\n| **S_KS-P3-S010** | S_KS-P1-S008 | Kansas OSBC, *2026 Guidance Documents*: https://osbckansas.gov/legal/guidance_2026.pdf | Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match | Fresh bounded check. Public outline lists general consumer/mortgage guidance and money-transmitter virtual-currency guidance, not a CSO trust interpretation. No claim about unpublished guidance or complete enforcement files. [Kansas Bank Commissioner+3](https://osbckansas.gov/legal/guidance_2026.pdf) |\n| **S_KS-P3-S011** | New discovery index | Kansas OSBC, Laws & Guidance: https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/ | Current official links to the CSO Act, KMTA, administrative-interpretation compilation, and guidance compilation | Fresh discovery/index read. It warns that current statutory law is available through Kansas statutes and session laws. It is not operative authority for a specific trust rule. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/) |\n\n# C. Claim table\n\n| Claim ID | Prior alias | Precise assertion | Sources and exact pinpoints | Predicates, exceptions, and confidence |\n| --- | --- | --- | --- | --- |\n| **S_KS-P3-C001** | P1-C004 | Receipt of consumer funds for distribution to creditors is an express debt-management-service branch. | P3-S001, 50-1117(d)(1). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/) | High; receipt/control facts still matter. |\n| **S_KS-P3-C002** | P1-C022 | The Kansas trust account is established by the applicant or licensee at a federally insured financial institution for consumer-paid funds and carries a designation separating the funds from provider property and provider creditors. | P3-S001, 50-1117(j); P3-S002, PDF index 2/printed 2. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/) | High for text; no pass-through-insurance or bankruptcy conclusion. |\n| **S_KS-P3-C003** | New | Current 50-1117(j) contains a syntactic defect and does not prescribe a literal account title. | P3-S001, 50-1117(j). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/) | High source observation; intended missing wording not reconstructed. |\n| **S_KS-P3-C004** | P1-C017/C018 | The mandatory agreement calls for consumer payments to the licensee for creditor disbursement and creditor payments made by the licensee. | P3-S001, 50-1120(c)(5)–(6). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/) | High. |\n| **S_KS-P3-C005** | P1-C018/C043 | A consumer-owned dedicated account is not automatically the Kansas statutory trust account, and current public authority reviewed does not resolve a purely noncustodial agreement architecture. | P3-S001, 50-1117(j), 50-1120(c)(5)–(6); P3-S006, §310.4(a)(5)(ii). [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/) | High on distinction; final compliant architecture unresolved. |\n| **S_KS-P3-C006** | New | Affiliate, processor, administrator, and account-title labels do not establish custody or exemption; legal control and receipt facts are required. | P3-S003 account-access fields; P3-S007, 9-555, 9-556. [Kansas Bank Commissioner+2](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf) | Medium-high functional conclusion; entity facts absent. |\n| **S_KS-P3-C007** | P1-C022 | Creditor-disbursement funds received by the licensee must be deposited in the trust account within four calendar days. | P3-S001, 50-1122(a). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High; no reviewed weekend/holiday exception. |\n| **S_KS-P3-C008** | New | Separate records are required for each consumer, but separate bank accounts for each consumer are not expressly required. | P3-S001, 50-1122(b)(1). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High for the distinction; pooling is not provider-specific approval. |\n| **S_KS-P3-C009** | New | Creditor funds are subject to a 20-calendar-day outside constraint and the latest no-penalty date; a sooner consumer charge cannot be deliberately created by delay. | P3-S001, 50-1122(b)(2), 50-1121(a). [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High for clauses; exact conflict/calendar application lacks formal interpretation. |\n| **S_KS-P3-C010** | New | Licensee-caused misdirected payments must be corrected, and actual creditor charges caused by the error must be reimbursed. | P3-S001, 50-1122(b)(3)–(4). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High; reimbursement source and deadline not specified. |\n| **S_KS-P3-C011** | P1-C022 | Consumer trust money may be disbursed only to that consumer’s creditors or back to that consumer. | P3-S001, 50-1122(b)(5). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High. |\n| **S_KS-P3-C012** | New | No reviewed provision authorizes provider-fee withdrawal from Kansas consumer trust principal. | P3-S001, 50-1122(b)(5), 50-1126(b)(3); P3-S002. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High bounded conclusion; separate lawful fee collection remains governed by P1/P2. |\n| **S_KS-P3-C013** | New | Consumer-benefit trust accounts may not be commingled with licensee operating accounts. | P3-S001, 50-1122(d). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High. |\n| **S_KS-P3-C014** | P1-C032 | Consumer may rescind by written notice at any time; all funds then held for the consumer must be returned within ten calendar days after licensee receipt. | P3-S001, 50-1120(c)(4), 50-1122(c). [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/) | High. |\n| **S_KS-P3-C015** | P1-C032 | A valid completed creditor remittance is not part of the amount currently held at rescission; pending or reversible transactions require actual settlement facts. | P3-S001, 50-1122(b)–(c). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High for current-held base; transaction status fact-dependent. |\n| **S_KS-P3-C016** | New | At least once every three months, the licensee must report receipts, creditor payments, balances, fees, and current trust amount or zero to the consumer. | P3-S001, complete 50-1123. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/) | High. |\n| **S_KS-P3-C017** | New | General ledgers are retained five years; agreement records are retained during the term and five years after cancellation or completion; out-of-state records must be supplied within three calendar days or examination travel may be charged. | P3-S001, complete 50-1125. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/) | High. |\n| **S_KS-P3-C018** | New | Annual report is due April 1; bankruptcy/reorganization and other specified events must be reported within 15 calendar days. | P3-S001, 50-1124(a)–(b). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/) | High. |\n| **S_KS-P3-C019** | New | OSBC’s current public form identifies associated account numbers and every person or position with access and requires ten days’ prior notice before closing or terminating the account. | P3-S003, form lines 8–27. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com) | High form-level fact; not a statute or approval. |\n| **S_KS-P3-C020** | New | The trust form says a current form must remain on file and should be uploaded to NMLS; it does not prove a complete current filing package or bank compliance. | P3-S003; P3-S005. [Kansas Bank Commissioner+1](https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf) | High form text; procedural limits explicit. |\n| **S_KS-P3-C021** | New | Surrender report is due within 15 days after requesting surrender and asks for trust-flow volume and agreements still existing at surrender/lapse. | P3-S004. [Kansas Bank Commissioner+1](https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf) | High form-level fact. “Days” is not relabeled calendar or business days. |\n| **S_KS-P3-C022** | New | The surrender form does not establish surrender effectiveness, contract termination, account closure, or a consumer-fund return rule. | P3-S004. [Kansas Bank Commissioner](https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf) | High bounded negative reading. |\n| **S_KS-P3-C023** | New | Commissioner may examine all relevant operations and records and may seize and distribute trust-account funds to protect consumers and the public interest. | P3-S001, 50-1128(b), (m), (n). [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/) | High. |\n| **S_KS-P3-C024** | New | Insolvency and inadequate records for a satisfactory audit are express licensing-action grounds. | P3-S001, 50-1127(c), (f). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/) | High; full remedies and bond recovery excluded. |\n| **S_KS-P3-C025** | New | No reviewed current CSO authority sets an interest rule, reserve requirement, reconciliation frequency, shortage-cure deadline, or reversal/chargeback procedure. | P3-S001–S003, P3-S009–S010. [Kansas Bank Commissioner+3](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) | Bounded negative finding; no claim about unpublished authority. |\n| **S_KS-P3-C026** | P2-C009/C011 | Consumer principal, provider fees, $400/$150 government charges, and bond obligations are distinct; government and bond obligations are not consumer trust principal. | P3-S001, 50-1122, 50-1126; preserved P2 claims and P3-S002 rule page. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/) | High; no fee rerun. |\n| **S_KS-P3-C027** | P1-C029; P2-C004 | Unauthorized-payment return under 50-1126(e) is separate from rescission return under 50-1122(c). | P3-S001, 50-1126(e), 50-1122(c). [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; bona fide-error qualification preserved. |\n| **S_KS-P3-C028** | P1-C035 | Conditional TSR dedicated account requires an insured institution, customer ownership and accrued interest if any, independent administrator, and no referral compensation. | P3-S006, §310.4(a)(5)(ii)(A)–(D). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High federal text; coverage conditional. |\n| **S_KS-P3-C029** | P1-C033–C035 | Conditional federal return requires all account funds other than fees earned under all §310.4(a)(5)(i)(A)–(C) conditions within seven business days after customer request to withdraw from the service. | P3-S006, §310.4(a)(5)(ii)(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High federal text; not Kansas substitution or fee authority. |\n| **S_KS-P3-C030** | New | KMTA covers receiving money for transmission from a person in Kansas, and licensing is required absent authorized-delegate or exemption status. | P3-S007, 9-555(b)(19), (28), 9-562(a)–(b). [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/) | High current text. |\n| **S_KS-P3-C031** | New | Payment-system, payee-agent, intermediary, depository-institution, employee, governmental-agent, professional-practice, and Commissioner exemptions are condition-specific. | P3-S007, complete material 9-556(a)–(c). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/) | High; no exemption transferred by label. |\n| **S_KS-P3-C032** | New | Authorized delegate requires a licensed transmitter, signed written appointment, defined scope, records, examination consent, trust for the transmitter, immediate cessation when principal authority ends, and no subdelegate. | P3-S007, 9-579(b)–(g). [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/) | High; no actual entity status checked. |\n| **S_KS-P3-C033** | New | A person transmitting on behalf of an unlicensed/nonexempt person can be deemed a transmitter and jointly and severally liable. | P3-S007, complete 9-580. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/) | High. |\n| **S_KS-P3-C034** | New | KMTA’s conditional ten-day refund rule is distinct from the CSO rescission rule and has enumerated exclusions and exceptions. | P3-S007, complete 9-582. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/) | High; applicability to a particular administrator held. |\n| **S_KS-P3-C035** | New | Current 9-556 contains no express CSO-license exemption; whether a direct licensed custodial CSO also needs KMTA authority remains unresolved. | P3-S007, 9-556 and 9-562; P3-S009–S011 focused public-source review. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/) | Medium-high bounded textual finding; no formal regulator interpretation located. |\n| **S_KS-P3-C036** | P1-C018/C043 | Focused public-source searches did not locate a current formal OSBC order or controlling case resolving 50-1120(c)(5)–(6) for a purely noncustodial program. | P3-S009–S011; official-site targeted searches. [Kansas Bank Commissioner+2](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) | Search result only; not proof no authority exists. |\n| **S_KS-P3-C037** | P1-C025 | Creditor-paid compensation that is not assessed to the consumer is analytically separate from consumer trust principal. | Preserved P1-C025; P3-S001, 50-1126(b)(6), trust-destination rule. [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 on stated facts; creditor-contract issues remain open. |\n| **S_KS-P3-C038** | P1-C037/C040 | OSBC’s public page provides trust and surrender forms but still displays the past 2025-report/April 1, 2026 cycle, not a complete current Kansas-specific NMLS checklist. | P3-S005, lines 134–162. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/) | High operational-source limitation. |\n\n# D. Bounded ledger examples\n\n## Common assumptions\n\nUnless an example says otherwise:\n\n- Amounts are U.S. dollars.\n- All calculations use whole dollars; no rounding is required.\n- No interest has accrued.\n- No bank fees, reserve, ACH return, chargeback, pending check, stale check, reversal, duplicate payment, or unposted item exists.\n- A “completed remittance” is assumed finally posted to the stated creditor.\n- Provider fee deduction from Kansas trust principal is zero because no such withdrawal authority was established.\n- No fee earning is inferred.\n- The examples are accounting demonstrations, not evidence of an actual account or permission for an actual provider.\n\n## Ledger L1 — Normal custodial receipt and remittance\n\n**Inputs**\n\n- Consumer creditor-payment receipt: $1,000\n- Creditor A completed remittance: $600\n- Creditor B completed remittance: $250\n- Provider fee drawn from trust: $0\n\n**Deposit duty**\n\n- Amount paid for creditor disbursement: $1,000\n- Amount required to be deposited within four calendar days: $1,000\n\n**Ledger**\n\nPlain text\n```\nStarting trust receipt                         $1,000\nLess completed Creditor A remittance             600\nLess completed Creditor B remittance             250\nLess provider fee withdrawal from trust             0\n                                                -----\nCurrent consumer trust balance                  $150\n```\n\n**Result**\n\n- Current held principal: **$150**\n- Permitted destinations: that consumer’s creditor or back to that consumer.\n- The $150 is not provider revenue.\n- Each creditor remittance must satisfy the applicable statutory timing constraint. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\n## Ledger L2 — Written rescission using the preserved $1,200 current-held balance\n\nThis is the corrected continuation of the factual base in prior example E05. It does not recompute the prior fee example.\n\n**Inputs**\n\n- Principal **currently held** at the time of rescission: $1,200\n- Prior completed creditor remittances: already reflected before the $1,200 starting balance\n- Prior $135 fees: already accounted for outside the current-held figure\n- New completed remittances after the stated starting point: $0\n- New fee deduction at cancellation: $0\n- Interest: $0\n\n**Ledger**\n\nPlain text\n```\nCurrent held trust principal                  $1,200\nLess new completed creditor remittances             0\nLess new cancellation fee                           0\nLess previously accounted $135 fee                  0  (not deducted twice)\n                                              ------\nRefund to consumer                           $1,200\n```\n\n**Result**\n\n- Return recipient: consumer.\n- Return amount: **$1,200**.\n- Deadline: within ten calendar days after the licensee receives written rescission.\n- Whether any previously paid fee is separately refundable is outside this trust-principal equation. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/)\n\n## Ledger L3 — Completed creditor payment before rescission\n\n**Inputs**\n\n- Original deposited principal: $900\n- Completed creditor remittance before rescission: $500\n- Current pending transactions: none\n- New fee at rescission: $0\n\n**Ledger**\n\nPlain text\n```\nOriginal trust principal                       $900\nLess finally completed creditor remittance      500\n                                                ---\nCurrent amount held at rescission               $400\nLess new fee                                      0\n                                                ---\nReturn to consumer                              $400\n```\n\n**Result:** **$400**, within ten calendar days after receipt of rescission.\n\nThe completed $500 is not subtracted again from the $400 and is not returned under K.S.A. 50-1122(c).\n\n**Pending-item branch:** If the $500 had merely been sent but remained returnable, rejected, or unsettled, the exact current-held amount could not be fixed without transaction evidence. No final-posting outcome is invented. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\n## Ledger L4 — Misdirected payment and actual creditor charge\n\n**Inputs**\n\n- Starting trust principal: $700\n- Wrong transfer: $300\n- Wrong transfer fully reversed to trust: $300\n- Corrected transfer to intended creditor: $300\n- Other completed creditor payment: $200\n- Actual creditor charge caused by misdirection: $25\n- Provider reimbursement assumption: paid from provider operating money, outside trust\n\n**Trust ledger**\n\nPlain text\n```\nStarting trust principal                       $700\nWrong transfer                                 (300)\nFull reversal of wrong transfer                 300\nCorrect payment to intended creditor           (300)\nOther completed creditor payment               (200)\n                                                ---\nCurrent consumer trust balance                  $200\n```\n\n**Separate provider-error ledger**\n\nPlain text\n```\nActual creditor charge caused by error           $25\nProvider reimbursement obligation                $25\nAmount charged against consumer trust              0\n```\n\n**Result**\n\n- Consumer trust balance: **$200**\n- Separate reimbursement: **$25**\n- The provider’s error reimbursement is not modeled as reducing the consumer’s own principal.\n\n**No-reversal branch:** If the wrong $300 transfer were not recovered, the statute requires correction but the reviewed text does not provide a specific shortage-cure method or deadline. The balance and funding source would remain unresolved. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\n## Ledger L5 — Creditor rejects plan before remittance\n\n**Inputs**\n\n- Current consumer trust balance: $500\n- Creditor remittance completed: $0\n- Creditor rejected proposed plan\n- Fee deduction from trust: $0\n- Consumer has not yet rescinded\n\n### Branch A — No rescission yet\n\nPlain text\n```\nCurrent consumer trust balance                  $500\nCompleted creditor remittance                      0\nPermissible provider fee deduction                 0\n                                                ---\nAmount still requiring lawful disposition       $500\n```\n\n**Result:** The money may go only to the consumer’s creditor or back to the consumer. It cannot be converted to a provider fee. The reviewed statute does not state a separate rejected-plan refund deadline absent rescission, so the exact return date is held.\n\n### Branch B — Consumer then provides written rescission\n\nPlain text\n```\nAmount currently held at rescission             $500\nLess new fee                                       0\n                                                ---\nReturn to consumer                              $500\n```\n\n**Result:** **$500 within ten calendar days** after the licensee receives rescission. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\n## Ledger L6 — Pooled trust with consumer subledgers\n\n**Inputs**\n\n- Bank trust-account balance: $2,100\n- Consumer A ledger: $1,200\n- Consumer B ledger: $600\n- Consumer C ledger: $300\n- Pending items: none\n\n**Reconciliation**\n\nPlain text\n```\nConsumer A                                      $1,200\nConsumer B                                         600\nConsumer C                                         300\n                                                -----\nSum of consumer subledgers                      $2,100\n\nBank trust-account balance                      $2,100\nLess subledger total                            (2,100)\n                                                -----\nDifference                                          $0\n```\n\n**Result:** Numeric reconciliation difference is **$0**.\n\nThis equality is necessary accounting consistency, not proof that the bank account is properly titled, federally insured as required, free from unauthorized transactions, or regulator-approved.\n\n### Shortage branch\n\nIf the bank balance were $2,000 while the three ledgers still totaled $2,100:\n\nPlain text\n```\nBank balance                                    $2,000\nSubledger obligations                           2,100\n                                                -----\nShortage                                         $100\n```\n\nThe reviewed CSO text does not specify a shortage-cure deadline, reserve draw, allocation method, or consumer priority. The $100 cannot be silently allocated among consumers. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/)\n\n## Ledger L7 — Conditional federal dedicated-account withdrawal\n\nThis is not a Kansas statutory trust example.\n\n**Assumptions**\n\n- The TSR applies.\n- Every dedicated-account requirement is satisfied.\n- Customer owns the account funds.\n- Account administrator is independent and receives no prohibited referral compensation.\n- Starting customer-owned account balance: $1,500\n- Completed creditor payment: $600\n- Fee established as earned under every §310.4(a)(5)(i)(A)–(C) condition: $0\n- Accrued interest: $0\n- Customer requests withdrawal from the debt-relief service.\n\n**Ledger**\n\nPlain text\n```\nStarting customer-owned account               $1,500\nLess completed creditor payment                  600\nLess established earned fee                        0\nPlus accrued interest                               0\n                                                -----\nFunds due after service-withdrawal request       $900\n```\n\n**Conditional federal result:** **$900 within seven business days** after the customer’s request.\n\nThis does not establish:\n\n- That the account is a Kansas trust account.\n- That Kansas’s ten-calendar-day rescission rule is displaced.\n- That the customer closed the bank account or revoked ACH authority.\n- That a provider may charge a Kansas percentage fee.\n\nIf a claimed earned fee amount E were unresolved, the formula would be 900 − E, but no numeric E may be inserted until both Kansas authority and all federal earning predicates are established. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## Ledger L8 — Independent administrator classification hold\n\n**Inputs**\n\n- Kansas consumer sends administrator: $800\n- Administrator is expected to forward money to a creditor\n- Administrator’s license, delegate, payee-agent, intermediary, and loss-allocation facts: unknown\n\n**Numeric ledger**\n\nPlain text\n```\nMoney received by administrator                  $800\nVerified completed creditor remittance          unknown\nVerified earned fee                             unknown\nVerified refundable balance                     unknown\n```\n\n**Legal branches**\n\n1. **Authorized delegate:** Requires a licensed transmitter and a compliant written delegation contract.\n2. **Payee agent:** Requires payee appointment, payee holding-out, and extinguishment of the consumer’s obligation without consumer loss risk.\n3. **Intermediary:** Requires an identified licensed or exempt principal bearing sole responsibility.\n4. **None of the above:** Potential unlicensed money-transmission issue.\n5. **Pure technical processor:** Requires evidence that the entity never receives or controls money and, where claimed, actually meets the payment-system-operator limitation.\n\n**Result:** No return amount, deadline, or exemption can be established from the $800 number alone. Numeric equality is not legal classification. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/)\n\n# E. Component coverage and gap table\n\n| Component | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Direct custodial DMP classification | **Answered** | C001–C004 | Provider-specific implementation remains untested. |\n| Trust account established by licensee | **Answered** | C002 | Actual bank documents and provider account evidence required for a specific operation. |\n| Exact statutory account-title wording | **Unresolved** | C003 | Formal interpretation, approved form, order, or account-title instruction needed. |\n| Federally insured institution requirement | **Answered at statutory level** | C002 | Institution charter, account type, insurance status, and bank acceptance required for an actual account. |\n| Particular credit-union eligibility | **Unresolved** | C002 | Cannot import the separate KMTA definition; needs CSO-specific authority and institution facts. |\n| Pass-through deposit insurance | **Unresolved/excluded** | C002 | FDIC/NCUA account-structure analysis and bank records required. |\n| Bankruptcy estate and priority | **Excluded—later insolvency pass** | C002, C023–C024 | Federal bankruptcy, state trust, receivership, setoff, and priority analysis required. |\n| Consumer beneficial ownership proportions | **Partial** | C002, C008 | Kansas says account is for consumer benefit and not provider money; common-law title and pooled shares remain document-dependent. |\n| Direct consumer-to-licensee contract architecture | **Answered** | C004 | None for text. |\n| Purely noncustodial agreement architecture | **Unresolved** | C005, C036 | Formal OSBC order, approved form, enforcement record, or later controlling case required. |\n| Consumer-owned dedicated account under Kansas law | **Partial/unresolved** | C005, C028–C029 | Account documents and formal Kansas reconciliation authority needed. |\n| Indirect affiliate/processor control | **Partial** | C006 | Account agreement, signatories, ACH rights, agency contracts, loss allocation, and transaction facts needed. |\n| Four-calendar-day trust deposit | **Answered** | C007 | Actual receipt date and funds designation required in a provider test. |\n| Weekend/holiday exception | **Unresolved** | C007 | No exception located; formal authority required before adding one. |\n| Per-consumer ledger | **Answered** | C008 | Actual ledger controls and audit trail later. |\n| Pooled versus separate bank accounts | **Partial** | C008 | Pooled account is textually possible, not regulator-approved; provider bank structure required. |\n| Creditor-remittance deadline | **Answered with interpretive limit** | C009 | Formal treatment of conflicting dates, posting, grace periods, and bank settlement remains. |\n| Deliberate delay increasing costs | **Answered** | C009 | Enforcement/remedy treatment later. |\n| Misdirected-payment correction | **Answered** | C010 | Funding source and correction deadline not specified. |\n| Actual creditor-charge reimbursement | **Answered** | C010 | Proof of causation and actual amount required. |\n| Permitted trust destinations | **Answered** | C011 | None for basic rule. |\n| Provider-fee withdrawal from trust | **No verified pathway** | C012 | A contrary formal rule or order would be required; none located. |\n| Government/bond charges from trust | **Not authorized** | C026 | No further work within this component. |\n| Operating-account commingling | **Answered/prohibited** | C013 | Actual bank and general-ledger evidence required for compliance test. |\n| Interest requirement and ownership | **Unresolved** | C025, C028 | Kansas rule/order, account contract, and federal applicability required. |\n| Reserve or cushion | **Unresolved** | C025 | Formal rule/order or account requirement needed. |\n| Shortage-cure timing and allocation | **Unresolved** | C025 | Formal authority and insolvency/remedies review required. |\n| ACH returns, reversals, and chargebacks | **Unresolved** | C025 | Bank/processor agreement, Nacha rules as applicable, and Kansas interpretation needed. |\n| Reconciliation frequency | **Unresolved** | C025 | Formal audit standard or regulatory instruction required. |\n| Quarterly consumer statement | **Answered** | C016 | Actual form/content testing later. |\n| Continuous consumer bank access | **Unresolved/not required by located text** | C016 | Provider product facts or formal rule required. |\n| Five-year records | **Answered** | C017 | Provider format and completeness testing later. |\n| Out-of-state record production | **Answered** | C017 | Actual regulator request facts required. |\n| Annual report and event notices | **Answered** | C018 | Complete annual-report form/current cycle remains outstanding. |\n| Trust account consent form | **Answered as operational evidence** | C019–C020 | Does not replace statute or establish account approval. |\n| Account-access persons/positions | **Answered at form level** | C019 | Actual access list and controls required. |\n| Ten-day prior account-closure notice | **Answered at form level** | C019 | Effectiveness, approval, transfer, and consumer notice remain unresolved. |\n| Current Kansas NMLS CSO checklist | **Unresolved** | C020, C038 | Obtain current state-specific checklist without treating the past cycle as current. |\n| Surrender report | **Answered as operational evidence** | C021–C022 | Full surrender approval, wind-down, and trust disposition procedure still needed. |\n| Regulator examination | **Answered** | C023 | Actual exam manual and provider exam findings unavailable. |\n| Commissioner seizure/distribution | **Answered at power level** | C023 | Distribution methodology, priority, and remedy procedure later. |\n| Insolvency reporting and license effect | **Partial** | C018, C024 | Full insolvency, bond, liquidation, and bankruptcy analysis later. |\n| Consumer rescission trigger | **Answered** | C014 | Actual receipt evidence required in a real case. |\n| Ten-calendar-day current-held return | **Answered** | C014–C015 | Pending-item status can alter the current-held figure. |\n| Prior completed creditor remittances | **Answered for ledger treatment** | C015 | Clawback or creditor-dispute remedies excluded. |\n| New fee on cancellation | **Not established; prior prohibition preserved** | C012, C027 | No fee earning inferred. |\n| Previously paid lawful fee refund | **Unresolved/separate** | C027 | Contract, state earning, TSR, CROA if applicable, restitution, and remedy analysis required. |\n| Unauthorized-payment restitution | **Answered as separate rule** | C027 | Bona fide-error and remedial details later. |\n| Rejected creditor plan | **Partial** | C011, C014 | Destination constrained; no special return deadline located absent rescission. |\n| Failed enrollment | **Partial** | C011, C014 | Actual agreement and receipt status required. |\n| Provider-initiated termination | **Unresolved** | C011, C022 | Contract, notice, and formal regulatory wind-down authority needed. |\n| License surrender or lapse | **Partial** | C021–C022 | No automatic contract/fund consequence established. |\n| Conditional federal dedicated account | **Answered as federal overlay** | C028–C029 | Actual TSR coverage and account facts remain required. |\n| Federal seven-business-day return | **Answered conditionally** | C029 | Not substituted for Kansas trust return. |\n| Bank-account closure or ACH revocation | **Excluded/distinct** | C029 | Bank contract and payment-authorization analysis required. |\n| KMTA administrator gateway | **Answered at rule level** | C030–C034 | Entity-specific licensing/exemption analysis remains. |\n| Payee-agent exemption | **Answered conditionally** | C031 | Written payee appointment, holding-out, extinguishment, and loss-risk facts required. |\n| Intermediary exemption | **Answered conditionally** | C031 | Underlying licensed/exempt provider, receipt, and sole-responsibility proof required. |\n| Authorized delegate | **Answered conditionally** | C032 | Actual license, written delegation, and NMLS/status evidence required. |\n| Processor acting for unlicensed principal | **Answered at liability-rule level** | C033 | Actual principal and processor facts required. |\n| KMTA refund | **Answered as separate conditional rule** | C034 | Applicability and exceptions require transaction facts. |\n| Direct CSO/KMTA overlap | **Unresolved** | C035 | Formal OSBC interpretation, order, rule, or controlling case required. |\n| Formal order resolving noncustodial model | **Not located in focused public search** | C036 | Search enforcement orders, administrative dockets, approved forms, and later cases in subsequent pass. |\n| Named provider/account/administrator status | **Not performed** | — | Requires actual legal names, licenses, contracts, and account records. |\n| Full agreement enforceability | **Excluded—later pass** | — | Contract, amendment, breach, restitution, arbitration, and choice-of-law review required. |\n| Bond claims and recovery | **Excluded—later pass** | — | Full K.S.A. 50-1119 and bond-form/remedies investigation required. |\n| Full private/admin/criminal remedies | **Excluded—later pass** | — | Separate remedies pass. |\n| Collection-agency overlap | **Excluded—later pass** | — | Separate collection-law analysis. |\n| Litigation, limitations, garnishment, secured sectors | **Excluded—later passes** | — | Remain open. |\n| Local and tribal law | **Excluded—later passes** | — | Remain open. |\n| State, parent, A066, operational, or publication acceptance | **Not evaluated** | — | No acceptance follows from this component. |\n\n# F. Researcher self-check\n\n## Actually read or inspected in PASS-03\n\n- Current K.S.A. 50-1117 trust definition.\n- Complete relevant agreement clauses in K.S.A. 50-1120.\n- Relevant prohibitions in K.S.A. 50-1121.\n- Complete K.S.A. 50-1122.\n- Complete K.S.A. 50-1123.\n- Relevant annual and event reporting provisions in K.S.A. 50-1124.\n- Complete K.S.A. 50-1125.\n- Relevant principal and unauthorized-payment provisions in K.S.A. 50-1126.\n- Insolvency and audit-record licensing grounds in K.S.A. 50-1127.\n- Relevant examination, confidentiality, seizure, and production powers in K.S.A. 50-1128.\n- The corresponding pages of the 22-page official OSBC 2026 CSO compilation, with PDF-index and printed-page systems kept distinct.\n- The complete one-page OSBC Trust Account Authorization and Consent form, both parsed and visually inspected.\n- The complete one-page OSBC YTD Report Upon Surrender, both parsed and visually inspected.\n- The current OSBC applications/forms CSO section.\n- The conditional federal dedicated-account passage in 16 C.F.R. §310.4(a)(5).\n- Current selected KMTA definitions, exemptions, licensing, delegate, liability, forwarding, and refund provisions.\n- Corresponding relevant pages of the official 47-page OSBC 2026 KMTA compilation.\n- The complete outline pages and bounded keyword searches of the current public OSBC administrative-interpretation and guidance compilations.\n- Focused official-domain discovery searches for K.S.A. 50-1122, K.S.A. 50-1120(c)(5), CSO trust-account orders, and noncustodial architecture.\n\n## Preserved without wholesale rerun\n\n- PASS-01’s functional classification, licensing, fee categories, attorney exemption, and ten prior examples.\n- PASS-02’s electronic-payment agreement predicate, federal credit-repair precision, debt-relief timing precision, source-pinpoint corrections, and historical-source qualifications.\n- The specific procedural and version limitations previously recorded for *Hays*, *Williamson*, and *Nazar*.\n- The prior direct-rules-endpoint 405 result.\n- Prior fee arithmetic and the preserved $1,200-currently-held premise in E05.\n\n## Not read, not obtained, or not established\n\n- Every section of Article 11 or the entire KMTA.\n- A complete post-2017 CSO amendment-history audit.\n- A full public enforcement-order docket or all-case citator.\n- An OSBC order resolving the direct CSO/KMTA overlap.\n- An OSBC order resolving K.S.A. 50-1120(c)(5)–(6) for consumer-owned accounts.\n- A current complete Kansas-specific NMLS CSO checklist.\n- A named provider’s CSO or money-transmitter license.\n- Any actual consumer trust account, bank statement, subledger, bank agreement, ACH authorization, administrator contract, or processor agreement.\n- Actual pass-through FDIC or NCUA insurance.\n- Federal bankruptcy characterization or priority.\n- Interest allocation, reserve, shortage-cure, reconciliation-frequency, reversal, or chargeback instructions.\n- A consumer return deadline specific to creditor rejection, failed enrollment, provider termination, surrender, lapse, or insolvency absent written rescission.\n- Full bond, insolvency, liquidation, remedies, restitution, agreement, collection, litigation, limitations, garnishment, secured-sector, local, tribal, arbitration, or choice-of-law analysis.\n- Any application, filing, contact, opinion request, account action, provider lookup, private data, website change, publication, Chrome control, other Chat, or CAPTCHA workaround.\n\n## Method limits\n\n- Search silence was not treated as proof that no order, interpretation, or case exists.\n- The statute website’s displayed update timestamps were not treated as legal effective dates.\n- The OSBC forms were not elevated to statutes or regulations.\n- The word “trust” was not treated as proof of deposit-insurance pass-through, bankruptcy priority, consumer account ownership, or bank approval.\n- A third-party administrator label was not treated as proof of noncustody.\n- Federal dedicated-account compliance was not substituted for Kansas trust compliance.\n- No prior remittance or fee was deducted twice.\n- No fee ceiling was treated as fee earning or authority to retain consumer principal.\n- No component, state, parent dossier, A066, operational, or publication-readiness acceptance is supplied.\n\n**PASS-03 conclusion:** Kansas establishes a detailed custodial-DMP trust system—licensee-established account, four-calendar-day deposit, consumer-specific ledgers, constrained creditor remittance, exclusive creditor-or-consumer destinations, operating-account segregation, quarterly reporting, five-year records, regulator access, and a ten-calendar-day written-rescission return of funds currently held. It does not publicly resolve the full noncustodial dedicated-account architecture, provider-fee withdrawal from trust principal, interest and shortage administration, failed-plan return timing, direct CSO/KMTA overlap, or insolvency priority.\n\nEND S_KS PASS-03.\n\n","tables":[{"headers":["Model or flow","Account ownership/control facts","Kansas CSO trust treatment","Return and timing consequences","Other gateway and status"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Model or flow","Account ownership/control facts","Kansas CSO trust treatment","Return and timing consequences","Other gateway and status"],["Licensee-established custodial DMP trust","Licensee establishes account; consumer principal paid to licensee for creditor disbursement","Clear statutory trust-account model","Deposit within four calendar days; creditor remittance under K.S.A. 50-1122(b)(2); written rescission return of funds currently held within ten calendar days","Answered at statutory level"],["Pooled licensee trust with individual subledgers","One bank balance; separate internal consumer ledgers","Textually compatible because separate records, not separate bank accounts, are mandated; not an approval of any particular pooling setup","Same duties apply consumer by consumer","Reconciliation frequency, interest allocation, shortage cure, and account-specific approval unresolved"],["Multiple licensee-established trust accounts","More than one account used by licensee","Not prohibited by reviewed text; OSBC form accepts associated account number(s)","Same consumer-specific duties; each closing is subject to form-level prior notice","No rule found allocating consumers among accounts or governing transfers between them"],["Consumer-owned federal dedicated account with independent administrator","Customer owns funds; administrator independent and non-affiliated under the conditional TSR rule","Not automatically the Kansas statutory trust account; K.S.A. 50-1120(c)(5)–(6) fit unresolved","Conditional federal seven-business-day rule after withdrawal from service; Kansas ten-calendar-day trust rule cannot simply be substituted","TSR coverage and every §310.4(a)(5) condition remain fact-dependent"],["Affiliate- or processor-controlled account","Nominal third party but provider/affiliate may direct transfers or access money","Classification held; labels do not prove noncustody","Depends on actual receipt, control, contractual authority, and account title","Potential CSO and KMTA implications; exact entity facts required"],["True noncustodial consumer-to-creditor model","Consumer retains control; provider never receives or directs money; consumer pays creditor directly","K.S.A. 50-1122 is not triggered merely by provider negotiation if no consumer funds are received, but provider remains potentially covered as a negotiator","No Kansas trust balance to return; agreement architecture remains unresolved","PASS-01 licensing and fee constraints remain"],["Money-transmitter authorized delegate","Administrator acts under a written contract for a licensed money transmitter","KMTA delegate trust is for the transmitter’s benefit, not automatically the Kansas CSO consumer trust","Delegate must stop immediately when principal license ceases; no subdelegation","Requires actual licensed principal, written appointment, scope, records, and compliance"],["Qualifying payee agent","Payee appoints agent; payee holds agent out; payment extinguishes payer obligation without payer loss risk","Not established merely by calling the processor an agent","Depends on actual payee-agent agreement and receipt effect","Conditional KMTA exemption only"],["Creditor-paid compensation","Creditor pays provider separately; consumer principal not used","Not consumer trust principal on stated facts","No trust return calculation","Prior P1 fee conditions preserved"]]},{"headers":["Event","Governing concept"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Event","Governing concept"],["Customer withdraws from the debt-relief service","Conditional federal seven-business-day account-funds return"],["Consumer sends written rescission to Kansas custodial CSO","Kansas ten-calendar-day return of funds currently held in the CSO trust"],["Consumer closes a bank account or revokes ACH authority","Separate bank, contract, and payment-authorization issue"],["Provider wants to deduct a fee","Must satisfy Kansas fee authority and every independently applicable federal earning condition"],["Administrator is independent under TSR","Does not establish KMTA exemption or Kansas CSO trust compliance"],["Kansas allows a fee category","Does not establish federal earning or TSR coverage"],["Federal rule permits a dedicated account","Does not authorize a Kansas percentage fee or cure K.S.A. 50-1120(c)(5)–(6)"]]},{"headers":["Source ID","Prior alias","Title, issuer, and complete literal URL","Exact clause/page actually read","Status, access, and limitation"],"index":2,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","text":"Kansas Legislature\n+6"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+9"},{"href":"https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com","text":"Kansas Bank Commissioner"},{"href":"https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf","text":"Kansas Bank Commissioner\n+1"},{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/","text":"Kansas Legislature\n+6"},{"href":"https://osbckansas.gov/legal/kmta_2026.pdf","text":"Kansas Bank Commissioner\n+10"},{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+3"},{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner\n+3"},{"href":"https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/","text":"Kansas Bank Commissioner"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","text":"Kansas Legislature\n+6"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+9"}],[{"href":"https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com","text":"Kansas Bank Commissioner"}],[{"href":"https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf","text":"Kansas Bank Commissioner\n+1"}],[{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/","text":"Kansas Legislature\n+6"}],[{"href":"https://osbckansas.gov/legal/kmta_2026.pdf","text":"Kansas Bank Commissioner\n+10"}],[{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+3"}],[{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner\n+3"}],[{"href":"https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/","text":"Kansas Bank Commissioner"}]],"rows":[["Source ID","Prior alias","Title, issuer, and complete literal URL","Exact clause/page actually read","Status, access, and limitation"],["S_KS-P3-S001","S_KS-P1-S002; S_KS-P2-S001","Kansas Revisor, selected current CSO sections: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/","50-1117(d), (j); 50-1120(c)(4)–(6), (11); 50-1121(a), (t), (u); complete 50-1122(a)–(d); complete 50-1123; 50-1124(a)–(c); complete 50-1125; 50-1126(b)(3), (e); 50-1127(c), (f); 50-1128(b), (d), (m), (n)","Freshly read Oct. 25, 2026 Pacific. Pages label themselves 2026 Kansas Statutes. Website data timestamps are not enactment or effective dates. Selected sections only; not every Article 11 section and not an exhaustive amendment audit. \nKansas Legislature\n+6"],["S_KS-P3-S002","S_KS-P1-S001; S_KS-P2-S002","Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf","Trust definition: PDF page 3/index 2/printed CSO Statutes 2. Agreement provisions: PDF pages 6–7/indices 5–6/printed 5–6. Prohibitions and trust start: PDF page 9/index 8/printed 8. Trust continuation and consumer report: PDF page 10/index 9/printed 9. Reporting/records: PDF pages 11–12/indices 10–11/printed 10–11. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Commissioner powers: PDF pages 15–16/indices 14–15/printed 14–15. Article 25 outline: PDF page 21/index 20. Complete K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1.","Relevant pages freshly parsed and visually checked. The file has 22 PDF pages, not 22 printed statute pages. K.A.R. 17-25-1 addresses application and renewal charges, not trust operations. Prior direct-rules-endpoint 405 remains preserved and was not repeatedly retried. No coordinator PDF pixels are retroactively claimed. \nKansas Bank Commissioner\n+9"],["S_KS-P3-S003","New","Kansas OSBC, Trust Account Authorization and Consent, Form CSO-5, rev. 09/2025: https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf","One-page form, lines/fields covering current-form requirement, NMLS upload wording, ten-day prior closure notice, regulator information consent, account numbers, and persons/positions with access","Freshly parsed and visually inspected Oct. 25. Operational form, not statute or regulation. Does not prove account approval, bank acceptance, insurance treatment, or complete filing requirements. \nKansas Bank Commissioner"],["S_KS-P3-S004","New","Kansas OSBC, Kansas Credit Services Organization YTD Report Upon Surrender, rev. 04/2026: https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf","One-page form: instructions and 15-day filing wording; rows for trust money, fees, completed agreements, existing agreements at surrender/lapse, and assets","Freshly parsed and visually inspected. Does not establish surrender effectiveness, consumer return timing, account closure, or wind-down approval. \nKansas Bank Commissioner\n+1"],["S_KS-P3-S005","S_KS-P1-S005","Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","CSO portion, page lines 134–162: CSO license/NMLS route, past 2025 report and April 1, 2026 cycle, trust form, and surrender form links; MT overview at lines 120–125","Freshly read. The displayed renewal cycle is past and is not a 2027 checklist. Generic NMLS instructions do not establish the current Kansas-specific package. \nKansas Bank Commissioner"],["S_KS-P3-S006","S_KS-P1-S015; S_KS-P2-S003","eCFR, 16 C.F.R. §310.4: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","§310.4(a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially insured institution, consumer ownership, accrued interest, administrator independence, referral ban, and seven-business-day return","Freshly read. eCFR displayed Title 16 current through Oct. 22, 2026. Conditional federal overlay only; no universal coverage or state fee authority. \neCFR"],["S_KS-P3-S007","New","Kansas Revisor, selected current KMTA sections: https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0062_section/009_005_0062_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0081_section/009_005_0081_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/","9-555(b)(19), (23), (28); complete material 9-556(a)–(c); 9-562(a)–(b); 9-579(b)–(g); complete 9-580; 9-581(a)–(b); complete 9-582","Fresh selected read. Not the complete KMTA and not an exhaustive 2026 amendment audit. The relevant general modernized provisions state a January 1, 2025 operative date; later virtual-currency-kiosk amendments were not used to decide this ordinary administrator gateway. \nKansas Legislature\n+6"],["S_KS-P3-S008","New","Kansas OSBC, 2026 Kansas Money Transmission Act: https://osbckansas.gov/legal/kmta_2026.pdf","Definitions: PDF index 4/printed KMTA Statutes 3 and index 6/printed 5. Exemptions: indices 7–9/printed 6–8. License requirement: index 13/printed 12. Authorized delegate: indices 30–31/printed 29–30. Forwarding/refund: indices 32–33/printed 31–32.","Freshly read relevant pages and visually inspected. Forty-seven-page compilation. Corroborative official agency compilation; direct Revisor text controls where available. Not a complete reading of every KMTA section. \nKansas Bank Commissioner\n+10"],["S_KS-P3-S009","S_KS-P1-S008","Kansas OSBC, 2026 Administrative Interpretations: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match","Fresh bounded check only. The compilation states the listed interpretations arise under K.S.A. 16a-6-104(1)(f); no CSO trust interpretation appeared in its outline or searched text. This does not prove no unpublished order or other interpretation exists. \nKansas Bank Commissioner\n+3"],["S_KS-P3-S010","S_KS-P1-S008","Kansas OSBC, 2026 Guidance Documents: https://osbckansas.gov/legal/guidance_2026.pdf","Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match","Fresh bounded check. Public outline lists general consumer/mortgage guidance and money-transmitter virtual-currency guidance, not a CSO trust interpretation. No claim about unpublished guidance or complete enforcement files. \nKansas Bank Commissioner\n+3"],["S_KS-P3-S011","New discovery index","Kansas OSBC, Laws & Guidance: https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/","Current official links to the CSO Act, KMTA, administrative-interpretation compilation, and guidance compilation","Fresh discovery/index read. It warns that current statutory law is available through Kansas statutes and session laws. It is not operative authority for a specific trust rule. \nKansas Bank Commissioner"]]},{"headers":["Claim ID","Prior alias","Precise assertion","Sources and exact pinpoints","Predicates, exceptions, and confidence"],"index":3,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","text":"Kansas Legislature\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/","text":"Kansas 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Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/","text":"Kansas Legislature"}],[{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+3"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/","text":"Kansas Legislature\n+2"}],[{"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.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/","text":"Kansas Legislature\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/","text":"Kansas Legislature\n+2"}],[{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+2"}],[{"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://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"}]],"rows":[["Claim ID","Prior alias","Precise assertion","Sources and exact pinpoints","Predicates, exceptions, and confidence"],["S_KS-P3-C001","P1-C004","Receipt of consumer funds for distribution to creditors is an express debt-management-service branch.","P3-S001, 50-1117(d)(1). \nKansas Legislature","High; receipt/control facts still matter."],["S_KS-P3-C002","P1-C022","The Kansas trust account is established by the applicant or licensee at a federally insured financial institution for consumer-paid funds and carries a designation separating the funds from provider property and provider creditors.","P3-S001, 50-1117(j); P3-S002, PDF index 2/printed 2. \nKansas Legislature\n+1","High for text; no pass-through-insurance or bankruptcy conclusion."],["S_KS-P3-C003","New","Current 50-1117(j) contains a syntactic defect and does not prescribe a literal account title.","P3-S001, 50-1117(j). \nKansas Legislature","High source observation; intended missing wording not reconstructed."],["S_KS-P3-C004","P1-C017/C018","The mandatory agreement calls for consumer payments to the licensee for creditor disbursement and creditor payments made by the licensee.","P3-S001, 50-1120(c)(5)–(6). \nKansas Legislature","High."],["S_KS-P3-C005","P1-C018/C043","A consumer-owned dedicated account is not automatically the Kansas statutory trust account, and current public authority reviewed does not resolve a purely noncustodial agreement architecture.","P3-S001, 50-1117(j), 50-1120(c)(5)–(6); P3-S006, §310.4(a)(5)(ii). \nKansas Legislature\n+2","High on distinction; final compliant architecture unresolved."],["S_KS-P3-C006","New","Affiliate, processor, administrator, and account-title labels do not establish custody or exemption; legal control and receipt facts are required.","P3-S003 account-access fields; P3-S007, 9-555, 9-556. \nKansas Bank Commissioner\n+2","Medium-high functional conclusion; entity facts absent."],["S_KS-P3-C007","P1-C022","Creditor-disbursement funds received by the licensee must be deposited in the trust account within four calendar days.","P3-S001, 50-1122(a). \nKansas Legislature","High; no reviewed weekend/holiday exception."],["S_KS-P3-C008","New","Separate records are required for each consumer, but separate bank accounts for each consumer are not expressly required.","P3-S001, 50-1122(b)(1). \nKansas Legislature","High for the distinction; pooling is not provider-specific approval."],["S_KS-P3-C009","New","Creditor funds are subject to a 20-calendar-day outside constraint and the latest no-penalty date; a sooner consumer charge cannot be deliberately created by delay.","P3-S001, 50-1122(b)(2), 50-1121(a). \nKansas Legislature\n+1","High for clauses; exact conflict/calendar application lacks formal interpretation."],["S_KS-P3-C010","New","Licensee-caused misdirected payments must be corrected, and actual creditor charges caused by the error must be reimbursed.","P3-S001, 50-1122(b)(3)–(4). \nKansas Legislature","High; reimbursement source and deadline not specified."],["S_KS-P3-C011","P1-C022","Consumer trust money may be disbursed only to that consumer’s creditors or back to that consumer.","P3-S001, 50-1122(b)(5). \nKansas Legislature","High."],["S_KS-P3-C012","New","No reviewed provision authorizes provider-fee withdrawal from Kansas consumer trust principal.","P3-S001, 50-1122(b)(5), 50-1126(b)(3); P3-S002. \nKansas Legislature\n+1","High bounded conclusion; separate lawful fee collection remains governed by P1/P2."],["S_KS-P3-C013","New","Consumer-benefit trust accounts may not be commingled with licensee operating accounts.","P3-S001, 50-1122(d). \nKansas Legislature","High."],["S_KS-P3-C014","P1-C032","Consumer may rescind by written notice at any time; all funds then held for the consumer must be returned within ten calendar days after licensee receipt.","P3-S001, 50-1120(c)(4), 50-1122(c). \nKansas Legislature\n+1","High."],["S_KS-P3-C015","P1-C032","A valid completed creditor remittance is not part of the amount currently held at rescission; pending or reversible transactions require actual settlement facts.","P3-S001, 50-1122(b)–(c). \nKansas Legislature","High for current-held base; transaction status fact-dependent."],["S_KS-P3-C016","New","At least once every three months, the licensee must report receipts, creditor payments, balances, fees, and current trust amount or zero to the consumer.","P3-S001, complete 50-1123. \nKansas Legislature","High."],["S_KS-P3-C017","New","General ledgers are retained five years; agreement records are retained during the term and five years after cancellation or completion; out-of-state records must be supplied within three calendar days or examination travel may be charged.","P3-S001, complete 50-1125. \nKansas Legislature","High."],["S_KS-P3-C018","New","Annual report is due April 1; bankruptcy/reorganization and other specified events must be reported within 15 calendar days.","P3-S001, 50-1124(a)–(b). \nKansas Legislature","High."],["S_KS-P3-C019","New","OSBC’s current public form identifies associated account numbers and every person or position with access and requires ten days’ prior notice before closing or terminating the account.","P3-S003, form lines 8–27. \nKansas Bank Commissioner","High form-level fact; not a statute or approval."],["S_KS-P3-C020","New","The trust form says a current form must remain on file and should be uploaded to NMLS; it does not prove a complete current filing package or bank compliance.","P3-S003; P3-S005. \nKansas Bank Commissioner\n+1","High form text; procedural limits explicit."],["S_KS-P3-C021","New","Surrender report is due within 15 days after requesting surrender and asks for trust-flow volume and agreements still existing at surrender/lapse.","P3-S004. \nKansas Bank Commissioner\n+1","High form-level fact. “Days” is not relabeled calendar or business days."],["S_KS-P3-C022","New","The surrender form does not establish surrender effectiveness, contract termination, account closure, or a consumer-fund return rule.","P3-S004. \nKansas Bank Commissioner","High bounded negative reading."],["S_KS-P3-C023","New","Commissioner may examine all relevant operations and records and may seize and distribute trust-account funds to protect consumers and the public interest.","P3-S001, 50-1128(b), (m), (n). \nKansas Legislature\n+1","High."],["S_KS-P3-C024","New","Insolvency and inadequate records for a satisfactory audit are express licensing-action grounds.","P3-S001, 50-1127(c), (f). \nKansas Legislature","High; full remedies and bond recovery excluded."],["S_KS-P3-C025","New","No reviewed current CSO authority sets an interest rule, reserve requirement, reconciliation frequency, shortage-cure deadline, or reversal/chargeback procedure.","P3-S001–S003, P3-S009–S010. \nKansas Bank Commissioner\n+3","Bounded negative finding; no claim about unpublished authority."],["S_KS-P3-C026","P2-C009/C011","Consumer principal, provider fees, $400/$150 government charges, and bond obligations are distinct; government and bond obligations are not consumer trust principal.","P3-S001, 50-1122, 50-1126; preserved P2 claims and P3-S002 rule page. \nKansas Legislature\n+2","High; no fee rerun."],["S_KS-P3-C027","P1-C029; P2-C004","Unauthorized-payment return under 50-1126(e) is separate from rescission return under 50-1122(c).","P3-S001, 50-1126(e), 50-1122(c). \nKansas Legislature\n+1","High; bona fide-error qualification preserved."],["S_KS-P3-C028","P1-C035","Conditional TSR dedicated account requires an insured institution, customer ownership and accrued interest if any, independent administrator, and no referral compensation.","P3-S006, §310.4(a)(5)(ii)(A)–(D). \neCFR","High federal text; coverage conditional."],["S_KS-P3-C029","P1-C033–C035","Conditional federal return requires all account funds other than fees earned under all §310.4(a)(5)(i)(A)–(C) conditions within seven business days after customer request to withdraw from the service.","P3-S006, §310.4(a)(5)(ii)(E). \neCFR","High federal text; not Kansas substitution or fee authority."],["S_KS-P3-C030","New","KMTA covers receiving money for transmission from a person in Kansas, and licensing is required absent authorized-delegate or exemption status.","P3-S007, 9-555(b)(19), (28), 9-562(a)–(b). \nKansas Legislature\n+1","High current text."],["S_KS-P3-C031","New","Payment-system, payee-agent, intermediary, depository-institution, employee, governmental-agent, professional-practice, and Commissioner exemptions are condition-specific.","P3-S007, complete material 9-556(a)–(c). \nKansas Legislature","High; no exemption transferred by label."],["S_KS-P3-C032","New","Authorized delegate requires a licensed transmitter, signed written appointment, defined scope, records, examination consent, trust for the transmitter, immediate cessation when principal authority ends, and no subdelegate.","P3-S007, 9-579(b)–(g). \nKansas Legislature","High; no actual entity status checked."],["S_KS-P3-C033","New","A person transmitting on behalf of an unlicensed/nonexempt person can be deemed a transmitter and jointly and severally liable.","P3-S007, complete 9-580. \nKansas Legislature","High."],["S_KS-P3-C034","New","KMTA’s conditional ten-day refund rule is distinct from the CSO rescission rule and has enumerated exclusions and exceptions.","P3-S007, complete 9-582. \nKansas Legislature","High; applicability to a particular administrator held."],["S_KS-P3-C035","New","Current 9-556 contains no express CSO-license exemption; whether a direct licensed custodial CSO also needs KMTA authority remains unresolved.","P3-S007, 9-556 and 9-562; P3-S009–S011 focused public-source review. \nKansas Legislature\n+2","Medium-high bounded textual finding; no formal regulator interpretation located."],["S_KS-P3-C036","P1-C018/C043","Focused public-source searches did not locate a current formal OSBC order or controlling case resolving 50-1120(c)(5)–(6) for a purely noncustodial program.","P3-S009–S011; official-site targeted searches. \nKansas Bank Commissioner\n+2","Search result only; not proof no authority exists."],["S_KS-P3-C037","P1-C025","Creditor-paid compensation that is not assessed to the consumer is analytically separate from consumer trust principal.","Preserved P1-C025; P3-S001, 50-1126(b)(6), trust-destination rule. \nKansas Legislature\n+1","High on stated facts; creditor-contract issues remain open."],["S_KS-P3-C038","P1-C037/C040","OSBC’s public page provides trust and surrender forms but still displays the past 2025-report/April 1, 2026 cycle, not a complete current Kansas-specific NMLS checklist.","P3-S005, lines 134–162. \nKansas Bank Commissioner","High operational-source limitation."]]},{"headers":["Component","Status","Claims","Exact missing evidence or next action"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claims","Exact missing evidence or next action"],["Direct custodial DMP classification","Answered","C001–C004","Provider-specific implementation remains untested."],["Trust account established by licensee","Answered","C002","Actual bank documents and provider account evidence required for a specific operation."],["Exact statutory account-title wording","Unresolved","C003","Formal interpretation, approved form, order, or account-title instruction needed."],["Federally insured institution requirement","Answered at statutory level","C002","Institution charter, account type, insurance status, and bank acceptance required for an actual account."],["Particular credit-union eligibility","Unresolved","C002","Cannot import the separate KMTA definition; needs CSO-specific authority and institution facts."],["Pass-through deposit insurance","Unresolved/excluded","C002","FDIC/NCUA account-structure analysis and bank records required."],["Bankruptcy estate and priority","Excluded—later insolvency pass","C002, C023–C024","Federal bankruptcy, state trust, receivership, setoff, and priority analysis required."],["Consumer beneficial ownership proportions","Partial","C002, C008","Kansas says account is for consumer benefit and not provider money; common-law title and pooled shares remain document-dependent."],["Direct consumer-to-licensee contract architecture","Answered","C004","None for text."],["Purely noncustodial agreement architecture","Unresolved","C005, C036","Formal OSBC order, approved form, enforcement record, or later controlling case required."],["Consumer-owned dedicated account under Kansas law","Partial/unresolved","C005, C028–C029","Account documents and formal Kansas reconciliation authority needed."],["Indirect affiliate/processor control","Partial","C006","Account agreement, signatories, ACH rights, agency contracts, loss allocation, and transaction facts needed."],["Four-calendar-day trust deposit","Answered","C007","Actual receipt date and funds designation required in a provider test."],["Weekend/holiday exception","Unresolved","C007","No exception located; formal authority required before adding one."],["Per-consumer ledger","Answered","C008","Actual ledger controls and audit trail later."],["Pooled versus separate bank accounts","Partial","C008","Pooled account is textually possible, not regulator-approved; provider bank structure required."],["Creditor-remittance deadline","Answered with interpretive limit","C009","Formal treatment of conflicting dates, posting, grace periods, and bank settlement remains."],["Deliberate delay increasing costs","Answered","C009","Enforcement/remedy treatment later."],["Misdirected-payment correction","Answered","C010","Funding source and correction deadline not specified."],["Actual creditor-charge reimbursement","Answered","C010","Proof of causation and actual amount required."],["Permitted trust destinations","Answered","C011","None for basic rule."],["Provider-fee withdrawal from trust","No verified pathway","C012","A contrary formal rule or order would be required; none located."],["Government/bond charges from trust","Not authorized","C026","No further work within this component."],["Operating-account commingling","Answered/prohibited","C013","Actual bank and general-ledger evidence required for compliance test."],["Interest requirement and ownership","Unresolved","C025, C028","Kansas rule/order, account contract, and federal applicability required."],["Reserve or cushion","Unresolved","C025","Formal rule/order or account requirement needed."],["Shortage-cure timing and allocation","Unresolved","C025","Formal authority and insolvency/remedies review required."],["ACH returns, reversals, and chargebacks","Unresolved","C025","Bank/processor agreement, Nacha rules as applicable, and Kansas interpretation needed."],["Reconciliation frequency","Unresolved","C025","Formal audit standard or regulatory instruction required."],["Quarterly consumer statement","Answered","C016","Actual form/content testing later."],["Continuous consumer bank access","Unresolved/not required by located text","C016","Provider product facts or formal rule required."],["Five-year records","Answered","C017","Provider format and completeness testing later."],["Out-of-state record production","Answered","C017","Actual regulator request facts required."],["Annual report and event notices","Answered","C018","Complete annual-report form/current cycle remains outstanding."],["Trust account consent form","Answered as operational evidence","C019–C020","Does not replace statute or establish account approval."],["Account-access persons/positions","Answered at form level","C019","Actual access list and controls required."],["Ten-day prior account-closure notice","Answered at form level","C019","Effectiveness, approval, transfer, and consumer notice remain unresolved."],["Current Kansas NMLS CSO checklist","Unresolved","C020, C038","Obtain current state-specific checklist without treating the past cycle as current."],["Surrender report","Answered as operational evidence","C021–C022","Full surrender approval, wind-down, and trust disposition procedure still needed."],["Regulator examination","Answered","C023","Actual exam manual and provider exam findings unavailable."],["Commissioner seizure/distribution","Answered at power level","C023","Distribution methodology, priority, and remedy procedure later."],["Insolvency reporting and license effect","Partial","C018, C024","Full insolvency, bond, liquidation, and bankruptcy analysis later."],["Consumer rescission trigger","Answered","C014","Actual receipt evidence required in a real case."],["Ten-calendar-day current-held return","Answered","C014–C015","Pending-item status can alter the current-held figure."],["Prior completed creditor remittances","Answered for ledger treatment","C015","Clawback or creditor-dispute remedies excluded."],["New fee on cancellation","Not established; prior prohibition preserved","C012, C027","No fee earning inferred."],["Previously paid lawful fee refund","Unresolved/separate","C027","Contract, state earning, TSR, CROA if applicable, restitution, and remedy analysis required."],["Unauthorized-payment restitution","Answered as separate rule","C027","Bona fide-error and remedial details later."],["Rejected creditor plan","Partial","C011, C014","Destination constrained; no special return deadline located absent rescission."],["Failed enrollment","Partial","C011, C014","Actual agreement and receipt status required."],["Provider-initiated termination","Unresolved","C011, C022","Contract, notice, and formal regulatory wind-down authority needed."],["License surrender or lapse","Partial","C021–C022","No automatic contract/fund consequence established."],["Conditional federal dedicated account","Answered as federal overlay","C028–C029","Actual TSR coverage and account facts remain required."],["Federal seven-business-day return","Answered conditionally","C029","Not substituted for Kansas trust return."],["Bank-account closure or ACH revocation","Excluded/distinct","C029","Bank contract and payment-authorization analysis required."],["KMTA administrator gateway","Answered at rule level","C030–C034","Entity-specific licensing/exemption analysis remains."],["Payee-agent exemption","Answered conditionally","C031","Written payee appointment, holding-out, extinguishment, and loss-risk facts required."],["Intermediary exemption","Answered conditionally","C031","Underlying licensed/exempt provider, receipt, and sole-responsibility proof required."],["Authorized delegate","Answered conditionally","C032","Actual license, written delegation, and NMLS/status evidence required."],["Processor acting for unlicensed principal","Answered at liability-rule level","C033","Actual principal and processor facts required."],["KMTA refund","Answered as separate conditional rule","C034","Applicability and exceptions require transaction facts."],["Direct CSO/KMTA overlap","Unresolved","C035","Formal OSBC interpretation, order, rule, or controlling case required."],["Formal order resolving noncustodial model","Not located in focused public search","C036","Search enforcement orders, administrative dockets, approved forms, and later cases in subsequent pass."],["Named provider/account/administrator status","Not performed","—","Requires actual legal names, licenses, contracts, and account records."],["Full agreement enforceability","Excluded—later pass","—","Contract, amendment, breach, restitution, arbitration, and choice-of-law review required."],["Bond claims and recovery","Excluded—later pass","—","Full K.S.A. 50-1119 and bond-form/remedies investigation required."],["Full private/admin/criminal remedies","Excluded—later pass","—","Separate remedies pass."],["Collection-agency overlap","Excluded—later pass","—","Separate collection-law analysis."],["Litigation, limitations, garnishment, secured sectors","Excluded—later passes","—","Remain open."],["Local and tribal law","Excluded—later passes","—","Remain open."],["State, parent, A066, operational, or publication acceptance","Not evaluated","—","No acceptance follows from this component."]]}],"claims":[{"claim_id":"S_KS-P3-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C001","Prior alias":"P1-C004","Precise assertion":"Receipt of consumer funds for distribution to creditors is an express debt-management-service branch.","Sources and exact pinpoints":"P3-S001, 50-1117(d)(1). \nKansas Legislature","Predicates, exceptions, and confidence":"High; receipt/control facts still matter."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C002","Prior alias":"P1-C022","Precise assertion":"The Kansas trust account is established by the applicant or licensee at a federally insured financial institution for consumer-paid funds and carries a designation separating the funds from provider property and provider creditors.","Sources and exact pinpoints":"P3-S001, 50-1117(j); P3-S002, PDF index 2/printed 2. \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High for text; no pass-through-insurance or bankruptcy conclusion."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C003","Prior alias":"New","Precise assertion":"Current 50-1117(j) contains a syntactic defect and does not prescribe a literal account title.","Sources and exact pinpoints":"P3-S001, 50-1117(j). \nKansas Legislature","Predicates, exceptions, and confidence":"High source observation; intended missing wording not reconstructed."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C004","Prior alias":"P1-C017/C018","Precise assertion":"The mandatory agreement calls for consumer payments to the licensee for creditor disbursement and creditor payments made by the licensee.","Sources and exact pinpoints":"P3-S001, 50-1120(c)(5)–(6). \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C005","Prior alias":"P1-C018/C043","Precise assertion":"A consumer-owned dedicated account is not automatically the Kansas statutory trust account, and current public authority reviewed does not resolve a purely noncustodial agreement architecture.","Sources and exact pinpoints":"P3-S001, 50-1117(j), 50-1120(c)(5)–(6); P3-S006, §310.4(a)(5)(ii). \nKansas Legislature\n+2","Predicates, exceptions, and confidence":"High on distinction; final compliant architecture unresolved."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C006","Prior alias":"New","Precise assertion":"Affiliate, processor, administrator, and account-title labels do not establish custody or exemption; legal control and receipt facts are required.","Sources and exact pinpoints":"P3-S003 account-access fields; P3-S007, 9-555, 9-556. \nKansas Bank Commissioner\n+2","Predicates, exceptions, and confidence":"Medium-high functional conclusion; entity facts absent."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C007","Prior alias":"P1-C022","Precise assertion":"Creditor-disbursement funds received by the licensee must be deposited in the trust account within four calendar days.","Sources and exact pinpoints":"P3-S001, 50-1122(a). \nKansas Legislature","Predicates, exceptions, and confidence":"High; no reviewed weekend/holiday exception."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C008","Prior alias":"New","Precise assertion":"Separate records are required for each consumer, but separate bank accounts for each consumer are not expressly required.","Sources and exact pinpoints":"P3-S001, 50-1122(b)(1). \nKansas Legislature","Predicates, exceptions, and confidence":"High for the distinction; pooling is not provider-specific approval."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C009","Prior alias":"New","Precise assertion":"Creditor funds are subject to a 20-calendar-day outside constraint and the latest no-penalty date; a sooner consumer charge cannot be deliberately created by delay.","Sources and exact pinpoints":"P3-S001, 50-1122(b)(2), 50-1121(a). \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High for clauses; exact conflict/calendar application lacks formal interpretation."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C010","Prior alias":"New","Precise assertion":"Licensee-caused misdirected payments must be corrected, and actual creditor charges caused by the error must be reimbursed.","Sources and exact pinpoints":"P3-S001, 50-1122(b)(3)–(4). \nKansas Legislature","Predicates, exceptions, and confidence":"High; reimbursement source and deadline not specified."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C011","Prior alias":"P1-C022","Precise assertion":"Consumer trust money may be disbursed only to that consumer’s creditors or back to that consumer.","Sources and exact pinpoints":"P3-S001, 50-1122(b)(5). \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C012","Prior alias":"New","Precise assertion":"No reviewed provision authorizes provider-fee withdrawal from Kansas consumer trust principal.","Sources and exact pinpoints":"P3-S001, 50-1122(b)(5), 50-1126(b)(3); P3-S002. \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High bounded conclusion; separate lawful fee collection remains governed by P1/P2."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C013","Prior alias":"New","Precise assertion":"Consumer-benefit trust accounts may not be commingled with licensee operating accounts.","Sources and exact pinpoints":"P3-S001, 50-1122(d). \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C014","Prior alias":"P1-C032","Precise assertion":"Consumer may rescind by written notice at any time; all funds then held for the consumer must be returned within ten calendar days after licensee receipt.","Sources and exact pinpoints":"P3-S001, 50-1120(c)(4), 50-1122(c). \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C015","Prior alias":"P1-C032","Precise assertion":"A valid completed creditor remittance is not part of the amount currently held at rescission; pending or reversible transactions require actual settlement facts.","Sources and exact pinpoints":"P3-S001, 50-1122(b)–(c). \nKansas Legislature","Predicates, exceptions, and confidence":"High for current-held base; transaction status fact-dependent."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C016","Prior alias":"New","Precise assertion":"At least once every three months, the licensee must report receipts, creditor payments, balances, fees, and current trust amount or zero to the consumer.","Sources and exact pinpoints":"P3-S001, complete 50-1123. \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C017","Prior alias":"New","Precise assertion":"General ledgers are retained five years; agreement records are retained during the term and five years after cancellation or completion; out-of-state records must be supplied within three calendar days or examination travel may be charged.","Sources and exact pinpoints":"P3-S001, complete 50-1125. \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C018","Prior alias":"New","Precise assertion":"Annual report is due April 1; bankruptcy/reorganization and other specified events must be reported within 15 calendar days.","Sources and exact pinpoints":"P3-S001, 50-1124(a)–(b). \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C019","Prior alias":"New","Precise assertion":"OSBC’s current public form identifies associated account numbers and every person or position with access and requires ten days’ prior notice before closing or terminating the account.","Sources and exact pinpoints":"P3-S003, form lines 8–27. \nKansas Bank Commissioner","Predicates, exceptions, and confidence":"High form-level fact; not a statute or approval."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C020","Prior alias":"New","Precise assertion":"The trust form says a current form must remain on file and should be uploaded to NMLS; it does not prove a complete current filing package or bank compliance.","Sources and exact pinpoints":"P3-S003; P3-S005. \nKansas Bank Commissioner\n+1","Predicates, exceptions, and confidence":"High form text; procedural limits explicit."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C021","Prior alias":"New","Precise assertion":"Surrender report is due within 15 days after requesting surrender and asks for trust-flow volume and agreements still existing at surrender/lapse.","Sources and exact pinpoints":"P3-S004. \nKansas Bank Commissioner\n+1","Predicates, exceptions, and confidence":"High form-level fact. “Days” is not relabeled calendar or business days."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C022","Prior alias":"New","Precise assertion":"The surrender form does not establish surrender effectiveness, contract termination, account closure, or a consumer-fund return rule.","Sources and exact pinpoints":"P3-S004. \nKansas Bank Commissioner","Predicates, exceptions, and confidence":"High bounded negative reading."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C023","Prior alias":"New","Precise assertion":"Commissioner may examine all relevant operations and records and may seize and distribute trust-account funds to protect consumers and the public interest.","Sources and exact pinpoints":"P3-S001, 50-1128(b), (m), (n). \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C024","Prior alias":"New","Precise assertion":"Insolvency and inadequate records for a satisfactory audit are express licensing-action grounds.","Sources and exact pinpoints":"P3-S001, 50-1127(c), (f). \nKansas Legislature","Predicates, exceptions, and confidence":"High; full remedies and bond recovery excluded."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C025","Prior alias":"New","Precise assertion":"No reviewed current CSO authority sets an interest rule, reserve requirement, reconciliation frequency, shortage-cure deadline, or reversal/chargeback procedure.","Sources and exact pinpoints":"P3-S001–S003, P3-S009–S010. \nKansas Bank Commissioner\n+3","Predicates, exceptions, and confidence":"Bounded negative finding; no claim about unpublished authority."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C026","Prior alias":"P2-C009/C011","Precise assertion":"Consumer principal, provider fees, $400/$150 government charges, and bond obligations are distinct; government and bond obligations are not consumer trust principal.","Sources and exact pinpoints":"P3-S001, 50-1122, 50-1126; preserved P2 claims and P3-S002 rule page. \nKansas Legislature\n+2","Predicates, exceptions, and confidence":"High; no fee rerun."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C027","Prior alias":"P1-C029; P2-C004","Precise assertion":"Unauthorized-payment return under 50-1126(e) is separate from rescission return under 50-1122(c).","Sources and exact pinpoints":"P3-S001, 50-1126(e), 50-1122(c). \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High; bona fide-error qualification preserved."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C028","Prior alias":"P1-C035","Precise assertion":"Conditional TSR dedicated account requires an insured institution, customer ownership and accrued interest if any, independent administrator, and no referral compensation.","Sources and exact pinpoints":"P3-S006, §310.4(a)(5)(ii)(A)–(D). \neCFR","Predicates, exceptions, and confidence":"High federal text; coverage conditional."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C029","Prior alias":"P1-C033–C035","Precise assertion":"Conditional federal return requires all account funds other than fees earned under all §310.4(a)(5)(i)(A)–(C) conditions within seven business days after customer request to withdraw from the service.","Sources and exact pinpoints":"P3-S006, §310.4(a)(5)(ii)(E). \neCFR","Predicates, exceptions, and confidence":"High federal text; not Kansas substitution or fee authority."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C030","Prior alias":"New","Precise assertion":"KMTA covers receiving money for transmission from a person in Kansas, and licensing is required absent authorized-delegate or exemption status.","Sources and exact pinpoints":"P3-S007, 9-555(b)(19), (28), 9-562(a)–(b). \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High current text."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C031","Prior alias":"New","Precise assertion":"Payment-system, payee-agent, intermediary, depository-institution, employee, governmental-agent, professional-practice, and Commissioner exemptions are condition-specific.","Sources and exact pinpoints":"P3-S007, complete material 9-556(a)–(c). \nKansas Legislature","Predicates, exceptions, and confidence":"High; no exemption transferred by label."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C032","Prior alias":"New","Precise assertion":"Authorized delegate requires a licensed transmitter, signed written appointment, defined scope, records, examination consent, trust for the transmitter, immediate cessation when principal authority ends, and no subdelegate.","Sources and exact pinpoints":"P3-S007, 9-579(b)–(g). \nKansas Legislature","Predicates, exceptions, and confidence":"High; no actual entity status checked."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C033","Prior alias":"New","Precise assertion":"A person transmitting on behalf of an unlicensed/nonexempt person can be deemed a transmitter and jointly and severally liable.","Sources and exact pinpoints":"P3-S007, complete 9-580. \nKansas Legislature","Predicates, exceptions, and confidence":"High."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C034","Prior alias":"New","Precise assertion":"KMTA’s conditional ten-day refund rule is distinct from the CSO rescission rule and has enumerated exclusions and exceptions.","Sources and exact pinpoints":"P3-S007, complete 9-582. \nKansas Legislature","Predicates, exceptions, and confidence":"High; applicability to a particular administrator held."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C035","Prior alias":"New","Precise assertion":"Current 9-556 contains no express CSO-license exemption; whether a direct licensed custodial CSO also needs KMTA authority remains unresolved.","Sources and exact pinpoints":"P3-S007, 9-556 and 9-562; P3-S009–S011 focused public-source review. \nKansas Legislature\n+2","Predicates, exceptions, and confidence":"Medium-high bounded textual finding; no formal regulator interpretation located."},"coordinator_verification_status":"governed_by_accepted_bounded_P10patch_with_interpretation_actualfacts_history_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C036","Prior alias":"P1-C018/C043","Precise assertion":"Focused public-source searches did not locate a current formal OSBC order or controlling case resolving 50-1120(c)(5)–(6) for a purely noncustodial program.","Sources and exact pinpoints":"P3-S009–S011; official-site targeted searches. \nKansas Bank Commissioner\n+2","Predicates, exceptions, and confidence":"Search result only; not proof no authority exists."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C037","Prior alias":"P1-C025","Precise assertion":"Creditor-paid compensation that is not assessed to the consumer is analytically separate from consumer trust principal.","Sources and exact pinpoints":"Preserved P1-C025; P3-S001, 50-1126(b)(6), trust-destination rule. \nKansas Legislature\n+1","Predicates, exceptions, and confidence":"High on stated facts; creditor-contract issues remain open."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"claim_id":"S_KS-P3-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P3-C038","Prior alias":"P1-C037/C040","Precise assertion":"OSBC’s public page provides trust and surrender forms but still displays the past 2025-report/April 1, 2026 cycle, not a complete current Kansas-specific NMLS checklist.","Sources and exact pinpoints":"P3-S005, lines 134–162. \nKansas Bank Commissioner","Predicates, exceptions, and confidence":"High operational-source limitation."},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true}],"sources":[{"source_id":"S_KS-P3-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/"],"researcher_record":{"Source ID":"S_KS-P3-S001","Prior alias":"S_KS-P1-S002; S_KS-P2-S001","Title, issuer, and complete literal URL":"Kansas Revisor, selected current CSO sections: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0020_section/050_011_0020_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0022_section/050_011_0022_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0023_section/050_011_0023_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0024_section/050_011_0024_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0025_section/050_011_0025_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/; https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/","Exact clause/page actually read":"50-1117(d), (j); 50-1120(c)(4)–(6), (11); 50-1121(a), (t), (u); complete 50-1122(a)–(d); complete 50-1123; 50-1124(a)–(c); complete 50-1125; 50-1126(b)(3), (e); 50-1127(c), (f); 50-1128(b), (d), (m), (n)","Status, access, and limitation":"Freshly read Oct. 25, 2026 Pacific. Pages label themselves 2026 Kansas Statutes. Website data timestamps are not enactment or effective dates. Selected sections only; not every Article 11 section and not an exhaustive amendment audit. \nKansas Legislature\n+6"},"coordinator_verification_status":"see_accepted_P10computation_interpretation_and_current_enacted_source_patch_with_limits","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S002","urls":["https://osbckansas.gov/legal/cso_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P3-S002","Prior alias":"S_KS-P1-S001; S_KS-P2-S002","Title, issuer, and complete literal URL":"Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf","Exact clause/page actually read":"Trust definition: PDF page 3/index 2/printed CSO Statutes 2. Agreement provisions: PDF pages 6–7/indices 5–6/printed 5–6. Prohibitions and trust start: PDF page 9/index 8/printed 8. Trust continuation and consumer report: PDF page 10/index 9/printed 9. Reporting/records: PDF pages 11–12/indices 10–11/printed 10–11. Fees: PDF pages 12–14/indices 11–13/printed 11–13. Commissioner powers: PDF pages 15–16/indices 14–15/printed 14–15. Article 25 outline: PDF page 21/index 20. Complete K.A.R. 17-25-1: PDF page 22/index 21/printed CSO Regulation 1.","Status, access, and limitation":"Relevant pages freshly parsed and visually checked. The file has 22 PDF pages, not 22 printed statute pages. K.A.R. 17-25-1 addresses application and renewal charges, not trust operations. Prior direct-rules-endpoint 405 remains preserved and was not repeatedly retried. No coordinator PDF pixels are retroactively claimed. \nKansas Bank Commissioner\n+9"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S003","urls":["https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf","https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P3-S003","Prior alias":"New","Title, issuer, and complete literal URL":"Kansas OSBC, Trust Account Authorization and Consent, Form CSO-5, rev. 09/2025: https://osbckansas.gov/cml/cso_trust_account_consent_authorization.pdf","Exact clause/page actually read":"One-page form, lines/fields covering current-form requirement, NMLS upload wording, ten-day prior closure notice, regulator information consent, account numbers, and persons/positions with access","Status, access, and limitation":"Freshly parsed and visually inspected Oct. 25. Operational form, not statute or regulation. Does not prove account approval, bank acceptance, insurance treatment, or complete filing requirements. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S004","urls":["https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf"],"researcher_record":{"Source ID":"S_KS-P3-S004","Prior alias":"New","Title, issuer, and complete literal URL":"Kansas OSBC, Kansas Credit Services Organization YTD Report Upon Surrender, rev. 04/2026: https://osbckansas.gov/cml/cso_ytd_report_upon_surrender.pdf","Exact clause/page actually read":"One-page form: instructions and 15-day filing wording; rows for trust money, fees, completed agreements, existing agreements at surrender/lapse, and assets","Status, access, and limitation":"Freshly parsed and visually inspected. Does not establish surrender effectiveness, consumer return timing, account closure, or wind-down approval. \nKansas Bank Commissioner\n+1"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S005","urls":["https://osbckansas.gov/consumer-mortgage-lending/applications-forms/"],"researcher_record":{"Source ID":"S_KS-P3-S005","Prior alias":"S_KS-P1-S005","Title, issuer, and complete literal URL":"Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","Exact clause/page actually read":"CSO portion, page lines 134–162: CSO license/NMLS route, past 2025 report and April 1, 2026 cycle, trust form, and surrender form links; MT overview at lines 120–125","Status, access, and limitation":"Freshly read. The displayed renewal cycle is past and is not a 2027 checklist. Generic NMLS instructions do not establish the current Kansas-specific package. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S006","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_KS-P3-S006","Prior alias":"S_KS-P1-S015; S_KS-P2-S003","Title, issuer, and complete 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 clause/page actually read":"§310.4(a)(5)(i)(A)–(C) and (a)(5)(ii)(A)–(E), especially insured institution, consumer ownership, accrued interest, administrator independence, referral ban, and seven-business-day return","Status, access, and limitation":"Freshly read. eCFR displayed Title 16 current through Oct. 22, 2026. Conditional federal overlay only; no universal coverage or state fee authority. \neCFR"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S007","urls":["https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0062_section/009_005_0062_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0081_section/009_005_0081_k/","https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/"],"researcher_record":{"Source ID":"S_KS-P3-S007","Prior alias":"New","Title, issuer, and complete literal URL":"Kansas Revisor, selected current KMTA sections: https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0055_section/009_005_0055_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0056_section/009_005_0056_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0062_section/009_005_0062_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0079_section/009_005_0079_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0080_section/009_005_0080_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0081_section/009_005_0081_k/; https://www.kslegislature.gov/b2025_26/laws/009_000_0000_chapter/009_005_0000_article/009_005_0082_section/009_005_0082_k/","Exact clause/page actually read":"9-555(b)(19), (23), (28); complete material 9-556(a)–(c); 9-562(a)–(b); 9-579(b)–(g); complete 9-580; 9-581(a)–(b); complete 9-582","Status, access, and limitation":"Fresh selected read. Not the complete KMTA and not an exhaustive 2026 amendment audit. The relevant general modernized provisions state a January 1, 2025 operative date; later virtual-currency-kiosk amendments were not used to decide this ordinary administrator gateway. \nKansas Legislature\n+6"},"coordinator_verification_status":"see_accepted_P10computation_interpretation_and_current_enacted_source_patch_with_limits","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S008","urls":["https://osbckansas.gov/legal/kmta_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P3-S008","Prior alias":"New","Title, issuer, and complete literal URL":"Kansas OSBC, 2026 Kansas Money Transmission Act: https://osbckansas.gov/legal/kmta_2026.pdf","Exact clause/page actually read":"Definitions: PDF index 4/printed KMTA Statutes 3 and index 6/printed 5. Exemptions: indices 7–9/printed 6–8. License requirement: index 13/printed 12. Authorized delegate: indices 30–31/printed 29–30. Forwarding/refund: indices 32–33/printed 31–32.","Status, access, and limitation":"Freshly read relevant pages and visually inspected. Forty-seven-page compilation. Corroborative official agency compilation; direct Revisor text controls where available. Not a complete reading of every KMTA section. \nKansas Bank Commissioner\n+10"},"coordinator_verification_status":"see_accepted_P10computation_interpretation_and_current_enacted_source_patch_with_limits","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S009","urls":["https://osbckansas.gov/legal/administrative_interpretations_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P3-S009","Prior alias":"S_KS-P1-S008","Title, issuer, and complete literal URL":"Kansas OSBC, 2026 Administrative Interpretations: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Exact clause/page actually read":"Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match","Status, access, and limitation":"Fresh bounded check only. The compilation states the listed interpretations arise under K.S.A. 16a-6-104(1)(f); no CSO trust interpretation appeared in its outline or searched text. This does not prove no unpublished order or other interpretation exists. \nKansas Bank Commissioner\n+3"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S010","urls":["https://osbckansas.gov/legal/guidance_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P3-S010","Prior alias":"S_KS-P1-S008","Title, issuer, and complete literal URL":"Kansas OSBC, 2026 Guidance Documents: https://osbckansas.gov/legal/guidance_2026.pdf","Exact clause/page actually read":"Complete outline page visually inspected; full-text searches for “credit services,” “trust account,” and “50-1122” produced no match","Status, access, and limitation":"Fresh bounded check. Public outline lists general consumer/mortgage guidance and money-transmitter virtual-currency guidance, not a CSO trust interpretation. No claim about unpublished guidance or complete enforcement files. \nKansas Bank Commissioner\n+3"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"source_id":"S_KS-P3-S011","urls":["https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/"],"researcher_record":{"Source ID":"S_KS-P3-S011","Prior alias":"New discovery index","Title, issuer, and complete literal URL":"Kansas OSBC, Laws & Guidance: https://osbckansas.gov/consumer-mortgage-lending/laws-guidance/","Exact clause/page actually read":"Current official links to the CSO Act, KMTA, administrative-interpretation compilation, and guidance compilation","Status, access, and limitation":"Fresh discovery/index read. It warns that current statutory law is available through Kansas statutes and session laws. It is not operative authority for a specific trust rule. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true}],"coverage":[{"topic":"Direct custodial DMP classification","researcher_record":{"Component":"Direct custodial DMP classification","Status":"Answered","Claims":"C001–C004","Exact missing evidence or next action":"Provider-specific implementation remains untested."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Trust account established by licensee","researcher_record":{"Component":"Trust account established by licensee","Status":"Answered","Claims":"C002","Exact missing evidence or next action":"Actual bank documents and provider account evidence required for a specific operation."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Exact statutory account-title wording","researcher_record":{"Component":"Exact statutory account-title wording","Status":"Unresolved","Claims":"C003","Exact missing evidence or next action":"Formal interpretation, approved form, order, or account-title instruction needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Federally insured institution requirement","researcher_record":{"Component":"Federally insured institution requirement","Status":"Answered at statutory level","Claims":"C002","Exact missing evidence or next action":"Institution charter, account type, insurance status, and bank acceptance required for an actual account."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Particular credit-union eligibility","researcher_record":{"Component":"Particular credit-union eligibility","Status":"Unresolved","Claims":"C002","Exact missing evidence or next action":"Cannot import the separate KMTA definition; needs CSO-specific authority and institution facts."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Pass-through deposit insurance","researcher_record":{"Component":"Pass-through deposit insurance","Status":"Unresolved/excluded","Claims":"C002","Exact missing evidence or next action":"FDIC/NCUA account-structure analysis and bank records required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Bankruptcy estate and priority","researcher_record":{"Component":"Bankruptcy estate and priority","Status":"Excluded—later insolvency pass","Claims":"C002, C023–C024","Exact missing evidence or next action":"Federal bankruptcy, state trust, receivership, setoff, and priority analysis required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Consumer beneficial ownership proportions","researcher_record":{"Component":"Consumer beneficial ownership proportions","Status":"Partial","Claims":"C002, C008","Exact missing evidence or next action":"Kansas says account is for consumer benefit and not provider money; common-law title and pooled shares remain document-dependent."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Direct consumer-to-licensee contract architecture","researcher_record":{"Component":"Direct consumer-to-licensee contract architecture","Status":"Answered","Claims":"C004","Exact missing evidence or next action":"None for text."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Purely noncustodial agreement architecture","researcher_record":{"Component":"Purely noncustodial agreement architecture","Status":"Unresolved","Claims":"C005, C036","Exact missing evidence or next action":"Formal OSBC order, approved form, enforcement record, or later controlling case required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Consumer-owned dedicated account under Kansas law","researcher_record":{"Component":"Consumer-owned dedicated account under Kansas law","Status":"Partial/unresolved","Claims":"C005, C028–C029","Exact missing evidence or next action":"Account documents and formal Kansas reconciliation authority needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Indirect affiliate/processor control","researcher_record":{"Component":"Indirect affiliate/processor control","Status":"Partial","Claims":"C006","Exact missing evidence or next action":"Account agreement, signatories, ACH rights, agency contracts, loss allocation, and transaction facts needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Four-calendar-day trust deposit","researcher_record":{"Component":"Four-calendar-day trust deposit","Status":"Answered","Claims":"C007","Exact missing evidence or next action":"Actual receipt date and funds designation required in a provider test."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Weekend/holiday exception","researcher_record":{"Component":"Weekend/holiday exception","Status":"Unresolved","Claims":"C007","Exact missing evidence or next action":"No exception located; formal authority required before adding one."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Per-consumer ledger","researcher_record":{"Component":"Per-consumer ledger","Status":"Answered","Claims":"C008","Exact missing evidence or next action":"Actual ledger controls and audit trail later."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Pooled versus separate bank accounts","researcher_record":{"Component":"Pooled versus separate bank accounts","Status":"Partial","Claims":"C008","Exact missing evidence or next action":"Pooled account is textually possible, not regulator-approved; provider bank structure required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Creditor-remittance deadline","researcher_record":{"Component":"Creditor-remittance deadline","Status":"Answered with interpretive limit","Claims":"C009","Exact missing evidence or next action":"Formal treatment of conflicting dates, posting, grace periods, and bank settlement remains."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Deliberate delay increasing costs","researcher_record":{"Component":"Deliberate delay increasing costs","Status":"Answered","Claims":"C009","Exact missing evidence or next action":"Enforcement/remedy treatment later."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Misdirected-payment correction","researcher_record":{"Component":"Misdirected-payment correction","Status":"Answered","Claims":"C010","Exact missing evidence or next action":"Funding source and correction deadline not specified."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Actual creditor-charge reimbursement","researcher_record":{"Component":"Actual creditor-charge reimbursement","Status":"Answered","Claims":"C010","Exact missing evidence or next action":"Proof of causation and actual amount required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Permitted trust destinations","researcher_record":{"Component":"Permitted trust destinations","Status":"Answered","Claims":"C011","Exact missing evidence or next action":"None for basic rule."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Provider-fee withdrawal from trust","researcher_record":{"Component":"Provider-fee withdrawal from trust","Status":"No verified pathway","Claims":"C012","Exact missing evidence or next action":"A contrary formal rule or order would be required; none located."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Government/bond charges from trust","researcher_record":{"Component":"Government/bond charges from trust","Status":"Not authorized","Claims":"C026","Exact missing evidence or next action":"No further work within this component."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Operating-account commingling","researcher_record":{"Component":"Operating-account commingling","Status":"Answered/prohibited","Claims":"C013","Exact missing evidence or next action":"Actual bank and general-ledger evidence required for compliance test."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Interest requirement and ownership","researcher_record":{"Component":"Interest requirement and ownership","Status":"Unresolved","Claims":"C025, C028","Exact missing evidence or next action":"Kansas rule/order, account contract, and federal applicability required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Reserve or cushion","researcher_record":{"Component":"Reserve or cushion","Status":"Unresolved","Claims":"C025","Exact missing evidence or next action":"Formal rule/order or account requirement needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Shortage-cure timing and allocation","researcher_record":{"Component":"Shortage-cure timing and allocation","Status":"Unresolved","Claims":"C025","Exact missing evidence or next action":"Formal authority and insolvency/remedies review required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"ACH returns, reversals, and chargebacks","researcher_record":{"Component":"ACH returns, reversals, and chargebacks","Status":"Unresolved","Claims":"C025","Exact missing evidence or next action":"Bank/processor agreement, Nacha rules as applicable, and Kansas interpretation needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Reconciliation frequency","researcher_record":{"Component":"Reconciliation frequency","Status":"Unresolved","Claims":"C025","Exact missing evidence or next action":"Formal audit standard or regulatory instruction required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Quarterly consumer statement","researcher_record":{"Component":"Quarterly consumer statement","Status":"Answered","Claims":"C016","Exact missing evidence or next action":"Actual form/content testing later."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Continuous consumer bank access","researcher_record":{"Component":"Continuous consumer bank access","Status":"Unresolved/not required by located text","Claims":"C016","Exact missing evidence or next action":"Provider product facts or formal rule required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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production","researcher_record":{"Component":"Out-of-state record production","Status":"Answered","Claims":"C017","Exact missing evidence or next action":"Actual regulator request facts required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Annual report and event notices","researcher_record":{"Component":"Annual report and event notices","Status":"Answered","Claims":"C018","Exact missing evidence or next action":"Complete annual-report form/current cycle remains outstanding."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Trust account consent form","researcher_record":{"Component":"Trust account consent form","Status":"Answered as operational evidence","Claims":"C019–C020","Exact missing evidence or next action":"Does not replace statute or establish account approval."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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reference]","material_patch_resolved":true},{"topic":"Ten-day prior account-closure notice","researcher_record":{"Component":"Ten-day prior account-closure notice","Status":"Answered at form level","Claims":"C019","Exact missing evidence or next action":"Effectiveness, approval, transfer, and consumer notice remain unresolved."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Current Kansas NMLS CSO checklist","researcher_record":{"Component":"Current Kansas NMLS CSO checklist","Status":"Unresolved","Claims":"C020, C038","Exact missing evidence or next action":"Obtain current state-specific checklist without treating the past cycle as current."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Surrender report","researcher_record":{"Component":"Surrender report","Status":"Answered as operational evidence","Claims":"C021–C022","Exact missing evidence or next action":"Full surrender approval, wind-down, and trust disposition procedure still needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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seizure/distribution","researcher_record":{"Component":"Commissioner seizure/distribution","Status":"Answered at power level","Claims":"C023","Exact missing evidence or next action":"Distribution methodology, priority, and remedy procedure later."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Insolvency reporting and license effect","researcher_record":{"Component":"Insolvency reporting and license effect","Status":"Partial","Claims":"C018, C024","Exact missing evidence or next action":"Full insolvency, bond, liquidation, and bankruptcy analysis later."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Consumer rescission trigger","researcher_record":{"Component":"Consumer rescission trigger","Status":"Answered","Claims":"C014","Exact missing evidence or next action":"Actual receipt evidence required in a real case."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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inferred."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Previously paid lawful fee refund","researcher_record":{"Component":"Previously paid lawful fee refund","Status":"Unresolved/separate","Claims":"C027","Exact missing evidence or next action":"Contract, state earning, TSR, CROA if applicable, restitution, and remedy analysis required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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reference]","material_patch_resolved":true},{"topic":"Rejected creditor plan","researcher_record":{"Component":"Rejected creditor plan","Status":"Partial","Claims":"C011, C014","Exact missing evidence or next action":"Destination constrained; no special return deadline located absent rescission."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Failed enrollment","researcher_record":{"Component":"Failed enrollment","Status":"Partial","Claims":"C011, C014","Exact missing evidence or next action":"Actual agreement and receipt status required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Provider-initiated termination","researcher_record":{"Component":"Provider-initiated termination","Status":"Unresolved","Claims":"C011, C022","Exact missing evidence or next action":"Contract, notice, and formal regulatory wind-down authority needed."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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for Kansas trust return."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Bank-account closure or ACH revocation","researcher_record":{"Component":"Bank-account closure or ACH revocation","Status":"Excluded/distinct","Claims":"C029","Exact missing evidence or next action":"Bank contract and payment-authorization analysis required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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reference]","material_patch_resolved":true},{"topic":"Payee-agent exemption","researcher_record":{"Component":"Payee-agent exemption","Status":"Answered conditionally","Claims":"C031","Exact missing evidence or next action":"Written payee appointment, holding-out, extinguishment, and loss-risk facts required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Intermediary exemption","researcher_record":{"Component":"Intermediary exemption","Status":"Answered conditionally","Claims":"C031","Exact missing evidence or next action":"Underlying licensed/exempt provider, receipt, and sole-responsibility proof required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Authorized delegate","researcher_record":{"Component":"Authorized delegate","Status":"Answered conditionally","Claims":"C032","Exact missing evidence or next action":"Actual license, written delegation, and NMLS/status evidence required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Formal order resolving noncustodial model","researcher_record":{"Component":"Formal order resolving noncustodial model","Status":"Not located in focused public search","Claims":"C036","Exact missing evidence or next action":"Search enforcement orders, administrative dockets, approved forms, and later cases in subsequent pass."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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bond-form/remedies investigation required."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Full private/admin/criminal remedies","researcher_record":{"Component":"Full private/admin/criminal remedies","Status":"Excluded—later pass","Claims":"—","Exact missing evidence or next action":"Separate remedies pass."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence 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garnishment, secured sectors","researcher_record":{"Component":"Litigation, limitations, garnishment, secured sectors","Status":"Excluded—later passes","Claims":"—","Exact missing evidence or next action":"Remain open."},"coordinator_acceptance":"checked_core_with_bounded_materialpatch_resolved_other_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_core_with_limits_see_review_three_material_patchgroups_pending","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_patch_resolved":true},{"topic":"Local and tribal law","researcher_record":{"Component":"Local and tribal law","Status":"Excluded—later passes","Claims":"—","Exact missing evidence or next action":"Remain 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