{"meta":{"key":"s_ks--pass-04","task":"S_KS","title":"Kansas bond, insurance, and alternative-security component","parent_title":"Kansas debt and debt relief law","edition":"pass-04","path":"/research/s_ks--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":40,"sources":14,"review_status":"accepted_with_limits_checked_core_source_provenance_patch_resolved","review_complete":true,"sha256":"ee29516497dd6c72bc25609f52d114fdb5178e7c13ebc37e266d88d9f88d60af","headings":["Kansas bond, insurance, and alternative-security component","1. Operative security requirement and model coverage","1.1 Trigger","1.2 One applicant or licensee; no automatic affiliate coverage","1.3 Applicant, principal, obligee, and issuer","1.4 Bond versus other financial requirements","Model-security matrix","2. Amount, formula, adjustment authority, alternatives, and waiver","2.1 Current verified amount","2.2 Increase authority","2.3 Alternative security","2.4 Insurance wording","Amount and instrument matrix","3. Current forms, riders, certificates, and filing route","3.1 OSBC public page","3.2 NMLS electronic surety bond route","3.3 Form CSO-2 specimen","3.4 Current-form and checklist gap","4. Effective coverage, maintenance, cancellation, replacement, and tail","4.1 Filing and maintenance","4.2 Initial effective date","4.3 Cancellation notice","4.4 Pre-cancellation liability","4.5 License-end tail","4.6 Replacement, reinstatement, and reduction","Event and continuing-liability matrix","5. Claimants, covered losses, procedure, aggregation, and excess liability","5.1 Statutory recovery categories","5.2 Commissioner determination versus court judgment","5.3 Who may present or sue on a claim","5.4 Aggregate limit","5.5 Priority, allocation, exhaustion, and replenishment","5.6 Liability beyond the bond","5.7 Cases and orders","Recovery matrix","6. Legislative history and currentness","6.1 2004 enactment","6.2 2017 amendment","6.3 Currentness qualification","Common conditions","Example S1 — Publicly verified base amount","Example S2 — Hypothetical higher amount","Example S3 — Multiple claims under the specimen’s aggregate term","Example S4 — Loss exceeds bond amount","Example S5 — Cancellation and pre-effective violation","Example S6 — Surrender and the two clocks","Example S7 — Proposed cash substitute","Example S8 — Nonprofit noncustodial provider","Example S9 — Affiliate administrator","Example S10 — Replacement before cancellation","Actually read or inspected in PASS-04","Evidence-backed reuse, not a fresh complete read","Not read or not obtained","Method and conclusion limits","PASS-04 conclusion"],"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-04","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["provider-security"]},"scope":"ExactreviewedP1remaining bond/insurance/security gap independent of unreviewedfunds; broaderholdsretain","pending_corrections":0},"markdown":"# SettleADebt.com — S_KS, PASS-04\n\n## Kansas bond, insurance, and alternative-security component\n\n**Fresh PASS-04 browsing:** October 25–26, 2026, Pacific; final verification October 26, 2026 Pacific / October 26, 2026 UTC\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Same-project continuation in the original authorized Chat; **not an independent review**\n**Component boundary:** Kansas CSO bond trigger, amount, form, issuer, lifecycle, claims, recovery boundaries, and possible insurance or alternative security. This does not regenerate PASS-01 licensing/fees, PASS-02 corrections, or PASS-03 funds work.\n\nAll prior Kansas conclusions and holds remain preserved except where this pass supplies new security-specific evidence. No named provider, surety, policy, bond, rider, claim, or claimant was investigated.\n\n# Executive determination\n\nKansas requires **each applicant or licensee** under the Kansas Credit Services Organization Act to file a surety bond in a form acceptable to the State Bank Commissioner. The verified statutory amount is **$25,000**. The statute permits an increase up to **$1,000,000**, but conditions that increase on further definition by rules and regulations adopted by the Commissioner. The current official OSBC Article 25 compilation lists only K.A.R. 17-25-1, which sets the governmental application and renewal fees; it contains no published bond-adjustment formula, volume tier, consumer-count tier, trust-balance tier, or individualized risk formula. Thus, $25,000 is the only current amount established from the operative public law reviewed here; $1 million is an outer statutory ceiling, not the current required amount. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nThe required instrument is a **surety bond**, not merely general liability, professional liability, errors-and-omissions, crime, cyber, or fidelity insurance. The phrase “surety or insurance company” identifies who may issue the surety bond; it does not create an alternative insurance-policy pathway. No cash deposit, certificate of deposit, letter of credit, collateral account, net-worth substitution, bond waiver, or self-insurance alternative was established from the current CSO statute, current Article 25 compilation, or current public OSBC materials. That is a bounded public-source result, not proof that no confidential approval, later order, or unindexed instrument exists.\n\nThe principal is the applicant or licensee, and the bond is payable to the **Office of the State Bank Commissioner**. Its statutory purpose is to secure faithful performance of all licensee duties and obligations. It is available for:\n\n1. OSBC expenses, fines, and fees levied under the Act; and\n2. Consumer losses or damages that the Commissioner determines resulted from the applicant’s or licensee’s failure to comply with the Act. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nThe statute does not publicly specify the complete claim mechanism. It does not say whether a consumer may submit a claim directly to the surety, sue the surety directly, must first obtain an OSBC determination, or must obtain a final order or judgment. It also does not establish priority between agency amounts and consumer losses, allocation among multiple consumers, replenishment after a payment, exhaustion rules, proof-of-loss contents, or the effect of insolvency. K.S.A. 50-1133 separately allows an injured consumer to pursue damages against the violating CSO, but it does not expressly create a direct bond action or make the bond amount a cap on the CSO’s liability. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/)\n\nThe bond cannot terminate without **30 days’ prior written notice to the Commissioner**. Cancellation does not remove liability for violations occurring before the effective cancellation date. The statute also creates:\n\n- A two-year liability period measured from each action or inaction giving rise to a bond claim.\n- A separate requirement that the bond not expire until two years after the earliest of license surrender, revocation, or expiration.\n\nThose are separate clocks. The statute does not expressly reconcile every overlap, define when a claim must be presented, or convert either provision into the complete civil limitations period. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nKansas uses NMLS’s electronic surety-bond system for the CSO company license. NMLS’s public adoption table lists the Kansas Credit Services Organization License, and its current guide explains that the regulator creates the bond form rendered in NMLS. The exact current Kansas bond text, riders, accepted bond amount field, and state-specific checklist were not publicly extracted. The only complete Form CSO-2 located was a privately hosted 2020 “reference only” specimen that still uses obsolete “registration/registrant” terminology. Its additional terms are useful leads, not verified current mandatory terms. [NMLS Resource Center+3](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf)\n\n# A. Substantive findings\n\n## 1. Operative security requirement and model coverage\n\n### 1.1 Trigger\n\nK.S.A. 50-1119 applies to **each applicant or licensee**. It is an entity-level licensing obligation, not a fee-triggered or funds-custody-only obligation. Therefore, once a business model is classified as covered and the entity is required to obtain a Kansas CSO license, the same bond statute applies whether its covered branch involves:\n\n- Receiving and distributing consumer funds.\n- Negotiating or offering to negotiate debt reductions or deferrals without receiving creditor-payment funds.\n- Offering covered credit-improvement services.\n- Combining those functions in a hybrid model.\n\nThe bond provision does not state different amounts for custodial DMPs, noncustodial settlement companies, credit-repair models, or hybrids. It does not key the amount to enrolled debt, fees, savings, trust balances, creditor count, Kansas consumer count, revenue, or transaction volume. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nThis conclusion is conditional on the prior classification and exemption analyses. A model that genuinely falls outside the Act does not become subject to K.S.A. 50-1119 merely because it calls itself counseling. Conversely, nonprofit, remote-provider, affiliate, administrator, attorney-connected, or bank-connected labels do not themselves eliminate the bond. A valid statutory exemption must actually apply.\n\n### 1.2 One applicant or licensee; no automatic affiliate coverage\n\nThe bond secures the applicant’s or licensee’s performance. The current statute does not state that the bond of one legal entity automatically covers:\n\n- A parent or subsidiary.\n- A separate affiliated settlement company.\n- An independent account administrator.\n- A lead generator.\n- A separate law firm.\n- A third-party processor.\n- A separately licensed branch or other legal entity.\n\nIf a separate entity is itself required to obtain a Kansas CSO license, K.S.A. 50-1119 textually requires that applicant or licensee to file its own bond. The NMLS adoption table lists the CSO authorization as a company license and states that branch bonds are not accepted, which is consistent with a company-level instrument rather than a separate branch instrument. The table does not resolve multi-entity or alter-ego treatment. [NMLS Resource Center](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf)\n\nThe privately hosted 2020 Form CSO-2 specimen refers to failures by the principal “or its agent,” but that wording is not independently present in K.S.A. 50-1119, and the current official NMLS-rendered form was not obtained. Agent coverage therefore remains form- and fact-dependent rather than a categorical PASS-04 conclusion. [Axcess Surety](https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf)\n\n### 1.3 Applicant, principal, obligee, and issuer\n\n| Role | Verified status |\n| --- | --- |\n| Applicant/principal | The Kansas CSO applicant or licensee |\n| Obligee/payee | Office of the State Bank Commissioner |\n| Permitted issuer | A surety or insurance company authorized to conduct business in Kansas |\n| Protected statutory interests | Faithful performance of all licensee duties; agency expenses/fines/fees; Commissioner-determined consumer losses or damages |\n| Consumers | Statutory beneficiaries of the consumer-loss branch, but not expressly named as bond obligees |\n| Affiliates, administrators, employees, or agents | Not independently defined as bonded principals in the statute; coverage depends on current instrument language and legal responsibility |\n| Federal government or creditors | Not identified as obligees or direct bond beneficiaries |\n\n### 1.4 Bond versus other financial requirements\n\nKansas keeps several concepts distinct:\n\n| Requirement | Nature | Not interchangeable with |\n| --- | --- | --- |\n| $25,000 CSO surety bond | Third-party security instrument securing statutory performance | Trust account, application fee, renewal fee, consumer fee, or provider net worth |\n| Financial responsibility and condition review | Qualitative licensing fitness determination | A published numerical net-worth minimum |\n| $400 initial / $150 renewal fee | Governmental charges under K.A.R. 17-25-1 | Bond amount or bond premium |\n| Consumer trust account, if applicable | Custody/segregation obligation addressed separately | Surety bond |\n| Bond premium | Private price charged by surety, not prescribed in reviewed statute | Penal sum or consumer fee |\n| Consumer fee ceiling | State permission limit addressed in PASS-01/PASS-02 | Source of bond collateral or authority to charge in advance |\n\nK.S.A. 50-1118 authorizes the Commissioner to evaluate financial responsibility and condition, but it supplies no numeric CSO net-worth minimum. The current Article 25 rule establishes only the $400 and $150 governmental fees. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/)\n\n## Model-security matrix\n\n| Model | Security trigger | Verified amount | Principal and scope | Conditions and unresolved boundaries |\n| --- | --- | --- | --- | --- |\n| Custodial DMP operated by covered Kansas CSO | Entity applies for or holds CSO license | $25,000, unless a valid increase rule applies | Applicant/licensee; all statutory licensee duties | Bond does not replace trust-account duties or authorize fee withdrawal |\n| Noncustodial debt-settlement/negotiation model | Same, if prior functional classification requires Kansas license | $25,000 on publicly verified law | Applicant/licensee | Noncustodial agreement architecture remains held; bond does not cure it |\n| Credit-improvement/credit-services model | Same, when covered and not exempt | $25,000 | Applicant/licensee | CROA/TSR and actual representations remain separate |\n| Hybrid custody, negotiation, and credit-improvement model | Same entity-level bond trigger | $25,000 | Applicant/licensee across its licensee duties | No per-branch multiplier found |\n| Nonprofit CSO | Same if covered and licensed | $25,000 | Nonprofit applicant/licensee | Nonprofit status alone is not a bond exemption |\n| Remote out-of-state provider serving Kansas residents | Same if Kansas licensing is required | $25,000 | Remote applicant/licensee | No reduced remote amount found |\n| Qualifying exempt Kansas lawyer/law firm | No K.S.A. 50-1119 bond if the prior statutory exemption actually applies | Not applicable under that exemption | Exemption is fact-dependent | Attorney name, signature, or contractual role alone is insufficient |\n| Pure counseling outside the statutory definition | No CSO bond if genuinely outside the Act | Not applicable | Classification facts control | No blanket counseling exemption is inferred |\n| Affiliate or administrator | Not covered by another entity’s bond merely by affiliation | Held | Separate legal entity and duties must be analyzed | Current official form and actual contracts needed |\n| Branch office of the same company | NMLS table says branch bonds are not accepted for listed company license types | Company-level requirement | Licensed company | Does not resolve separately incorporated branches or affiliates |\n| Named provider or actual existing bond | Not investigated | Unknown | Unknown | Live NMLS record, actual instrument, surety status, and riders required |\n\n## 2. Amount, formula, adjustment authority, alternatives, and waiver\n\n### 2.1 Current verified amount\n\nK.S.A. 50-1119(e) says the bond amount **shall be $25,000**. This is not a percentage formula or a floor keyed to business volume. It is the affirmative statutory amount. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\n### 2.2 Increase authority\n\nThe amount may be increased up to $1 million **as further defined by rules and regulations adopted by the Commissioner**. The statute does not itself provide:\n\n- An enrolled-debt formula.\n- A Kansas revenue formula.\n- A consumer-count formula.\n- A trust-funds formula.\n- A complaint or enforcement-history scale.\n- An individual discretionary risk score.\n- A branch multiplier.\n- A first-year versus renewal schedule.\n- An automatic annual adjustment.\n- CPI indexing.\n\nThe current official OSBC compilation’s Article 25 outline lists only K.A.R. 17-25-1, and the full rule concerns application and renewal charges. No published Article 25 bond-increase rule appears in that compilation. The earlier direct Kansas rules endpoint returned HTTP 405 and was not treated as proof of absence. [Kansas Bank Commissioner+1](https://osbckansas.gov/legal/cso_2026.pdf)\n\n**Result:** A higher bond cannot be justified from the $1 million ceiling alone. A valid adopted rule defining the increase—or other demonstrably operative authority—would have to be identified before assigning a higher amount. No such amount formula was verified in this pass.\n\n### 2.3 Alternative security\n\nThe statute requires a **surety bond**. No current reviewed provision establishes substitution with:\n\n- Cash.\n- Certificate of deposit.\n- Irrevocable letter of credit.\n- Treasury securities.\n- Escrowed collateral.\n- Trust-account excess.\n- Positive net worth.\n- Fidelity bond.\n- Errors-and-omissions coverage.\n- General liability coverage.\n- Self-insurance.\n- Parent guarantee.\n- Waiver by the Commissioner.\n\nA private surety may require collateral or an indemnity agreement as a condition of issuing the bond, but no such private underwriting arrangement was researched, and it would not itself become a statutory substitute.\n\n### 2.4 Insurance wording\n\nK.S.A. 50-1119 allows the required surety bond to be issued by a “surety or insurance company” authorized to conduct business in Kansas. This describes eligible issuers. It does not authorize an ordinary first-party or third-party insurance policy in place of the bond.\n\nThe current official CSO compilation did not contain a separate fidelity, crime, professional-liability, or errors-and-omissions requirement. The bounded administrative-interpretation and guidance checks also did not identify a CSO security interpretation. That remains a qualified public-source result rather than a universal no-insurance conclusion. [Kansas Bank Commissioner+1](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf)\n\n## Amount and instrument matrix\n\n| Question | Verified rule | Current result |\n| --- | --- | --- |\n| Base statutory penal sum | K.S.A. 50-1119(e) | **$25,000** |\n| Maximum authorized increase | Up to $1,000,000, as defined by adopted rules | Ceiling only; no current public formula verified |\n| Initial applicant | Must file bond with Commissioner | Required before lawful licensure is established |\n| Renewal | Licensee must file and maintain bond | No separate annual rebonding formula found |\n| Per branch | NMLS ESB table states branch bonds not accepted | Company-level ESB route; entity questions remain |\n| Per consumer or debt | No such formula in reviewed law | Not established |\n| Volume-based amount | No current CSO formula located | Not established |\n| Commissioner individualized discretion | No operative individual formula in statute | Cannot be inferred from ceiling alone |\n| Cash/LOC/CD alternative | Not provided in reviewed authority | Not verified |\n| Net-worth substitute | Not provided | Not verified |\n| Fidelity/E&O substitute | Not provided | Not verified |\n| Waiver | No waiver provision located | Not verified |\n| Issuer | Authorized surety or insurance company | Must be authorized in Kansas |\n| Exact current bond form | Regulator-created and rendered in NMLS | Not publicly extracted |\n| Actual provider instrument | Requires live record/private instrument | Not investigated |\n\n## 3. Current forms, riders, certificates, and filing route\n\n### 3.1 OSBC public page\n\nOSBC’s current applications page states that CSO applications and renewals use NMLS. It does not publicly link a paper CSO surety-bond form, rider, certificate, collateral form, bond-claim form, or bond-release form. Its listed CSO supplemental forms are the trust-account consent and surrender report. The displayed CSO renewal instructions still concern the 2025 report and April 1, 2026 deadline, so they are not a complete current-cycle checklist. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/)\n\n### 3.2 NMLS electronic surety bond route\n\nNMLS’s July 29, 2025 ESB adoption table lists the Kansas Office of the State Bank Commissioner and the **Credit Services Organization License**. The table is evidence that the license uses NMLS electronic surety-bond functionality as of that document’s update date. It does not provide the Kansas penal sum, claims terms, or current form version. [NMLS Resource Center](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf)\n\nThe August 15, 2026 NMLS Policy Guidebook explains the generic process:\n\n- The regulator creates the bond form.\n- The form is rendered in NMLS.\n- A surety company or authorized surety producer creates the bond.\n- Surety and licensee sign electronically.\n- The instrument is transmitted to the regulator through NMLS.\n\nThe guidebook repeatedly states that it is for guidance and does not supersede state law or state-specific requirements. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf)\n\nNMLS’s operational material also supports generic lifecycle functions for new bonds, riders, increases, cancellations, returns, voids, and replacement bonds. Those are system functions, not independent Kansas legal authority. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html)\n\n### 3.3 Form CSO-2 specimen\n\nA two-page Form CSO-2 was located on a private surety-vendor site. It states:\n\n- “ESB Form Effective 07/01/2020.”\n- “This document is for reference ONLY.”\n- The official form is rendered electronically in NMLS.\n\nIt includes fields for bond number, amount, effective date, principal/NMLS number, and surety. It uses the older words “registered,” “registrant,” and “registration,” notwithstanding the 2017 statutory shift to licensing. [Axcess Surety+2](https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf)\n\nAdditional specimen terms include:\n\n- Joint and several obligation of principal and surety.\n- Aggregate surety liability capped at the bond amount regardless of claims or claimants.\n- Payment to OSBC within 60 days after specified notice.\n- Coverage language mentioning the principal’s agent.\n- Certified-mail termination notice to both principal and OSBC.\n- Reduction of liability.\n- Written OSBC release.\n- Reinstatement or increase by a new bond or rescission of cancellation.\n- A blank effective date defaulting to surety execution.\n- Effectiveness conditioned on OSBC acceptance.\n\nThese details are **not elevated to current mandatory Kansas law** because:\n\n1. The file is privately hosted.\n2. It is explicitly marked reference-only.\n3. It uses stale statutory terminology.\n4. The current NMLS-rendered version was not accessed.\n5. No current OSBC page authenticates that exact file.\n\n### 3.4 Current-form and checklist gap\n\nThe NMLS checklist compiler was located but did not expose the current Kansas CSO checklist through the public text interface used in this session. No account or login was used, and no workaround was attempted. Therefore, the following remain unverified:\n\n- Current bond-form version.\n- Whether 2020 Form CSO-2 remains the live NMLS text.\n- Current amount configured in NMLS.\n- Required surety-authority evidence.\n- Accepted power-of-attorney format.\n- Rider forms.\n- Name-change, merger, or amount-change rider requirements.\n- Replacement-bond procedure.\n- Current state-specific new-application checklist.\n- Whether any nonpublic license item can require a different instrument.\n\n## 4. Effective coverage, maintenance, cancellation, replacement, and tail\n\n### 4.1 Filing and maintenance\n\nFailure to **file and maintain** the required bond is a statutory ground for license denial, suspension, revocation, or refusal to renew after notice and an opportunity for a hearing. That makes ongoing bond maintenance a continuing licensure obligation. The statute does not require issuance of a brand-new bond each year if an accepted bond remains in force. [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\n### 4.2 Initial effective date\n\nK.S.A. 50-1119 requires a bond in a form acceptable to the Commissioner but does not state the exact moment an instrument becomes effective. The 2020 reference specimen says:\n\n- The stated effective date controls.\n- If blank, the surety’s execution date applies.\n- The bond becomes effective if accepted by OSBC.\n\nBecause the current official form was not obtained, those rules remain specimen terms rather than a final current-law conclusion.\n\n### 4.3 Cancellation notice\n\nThe operative statute requires **30 days’ prior written notice to the Commissioner**. It does not expressly require statutory notice to:\n\n- Consumers.\n- Creditors.\n- The principal.\n- Affiliates.\n- A trust-account bank.\n- Other regulators.\n\nThe general Kansas time-computation statute applies to statutory periods that do not specify another method. It excludes the triggering day, counts intermediate Saturdays, Sundays, and legal holidays, and includes the last day subject to its weekend/holiday rule; when time is measured before an event, its “next day” concept is applied backward. K.S.A. 50-1119 nevertheless does not specify whether the cancellation notice is effective upon mailing, NMLS submission, delivery, or receipt. The current accepted form or agency practice is needed for that issue. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/)\n\nThe 2020 specimen uses certified mail to both the principal and OSBC, but that additional delivery mechanism has not been verified as the current NMLS form.\n\n### 4.4 Pre-cancellation liability\n\nCancellation does not affect liability for violations occurring before the effective cancellation date. The principal and surety remain liable for two years from the date of the action or inaction giving rise to the bond claim. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nAn act after the old bond’s effective cancellation date is not established as covered by that old instrument. A replacement bond may cover later conduct, but its effective date, accepted terms, and any gap must be examined. NMLS says a new bond is needed to restore coverage after a bond is canceled or voided, but Kansas law—not the generic NMLS screen—determines the legal consequence. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html)\n\n### 4.5 License-end tail\n\nThe bond may not expire until two years after the earliest of:\n\n- License surrender.\n- License revocation.\n- License expiration.\n\nThis is separate from the two-year clock measured from the underlying act or omission. The statute does not expressly say:\n\n- Which clock controls when they end on different dates.\n- Whether a claim must be filed, determined, sued upon, or paid within the two years.\n- Whether tolling applies.\n- Whether renewal of the license resets either clock.\n- How successive or continuing violations are dated.\n- Whether a late-discovered loss changes the clock.\n\nThose issues remain for a claims, limitations, and controlling-case pass. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\n### 4.6 Replacement, reinstatement, and reduction\n\nThe statute does not state a replacement-bond grace period. A coverage gap creates a “failed to maintain” issue.\n\nNMLS generically supports:\n\n- Bond increases.\n- Cancellation notices.\n- Cancellation rescission.\n- Replacement by a new bond.\n- Riders and form-version updates.\n\nThe 2020 specimen also addresses reinstatement, increases, reductions, and OSBC release. No current Kansas-specific rider or release form was obtained, so those exact procedures remain unresolved. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html)\n\n## Event and continuing-liability matrix\n\n| Event | Verified consequence | Time unit or trigger | Unresolved issue |\n| --- | --- | --- | --- |\n| Initial application | Applicant must file acceptable bond | Before licensure can be established | Exact NMLS acceptance workflow and current form |\n| Annual license renewal | Bond must remain maintained | License expires April 30 unless renewed | No separate annual rebonding rule found |\n| Surety cancellation notice | Cannot terminate without prior written notice to Commissioner | 30 days; general Kansas computation statute is relevant | Mailing versus receipt versus NMLS-submission effectiveness |\n| Act before cancellation effective date | Cancellation does not erase liability | Two years from action or inaction giving rise to claim | Claim-presentment and suit timing |\n| Act after cancellation effective date | Not established as covered by old bond | Depends on replacement instrument | Gap, retroactivity, and new-bond effective date |\n| Bond replacement before cancellation | May preserve continuous coverage if properly accepted and timed | Actual instrument dates control | No current Kansas replacement form or grace rule |\n| Cancellation rescinded | NMLS can process rescission before effective date | System status and instrument terms control | Kansas-specific acceptance requirements |\n| License surrender | Bond cannot expire immediately | Two years after surrender, subject to statutory interaction | Claim procedure and priority |\n| License revocation | Same statutory tail | Two years after revocation | Same |\n| License expiration | Same statutory tail | Two years after expiration | Effect of timely renewal and successive bonds |\n| Surety amount reduction | Not expressly detailed in statute | Must remain at lawful required amount | Current rider and notice rules not obtained |\n| Surety payment of claim | Statute does not state replenishment | Unknown | Whether applicant must restore full penal sum immediately |\n| Surety insolvency or loss of Kansas authority | Not addressed in reviewed CSO provision | Unknown | Replacement duty, notice, guaranty association, or claim treatment |\n| Merger/name conversion | Not addressed in statute | Actual entity and NMLS rider facts control | Whether new principal or rider required |\n| Release of collateral | No statutory alternative collateral established | Not applicable on current evidence | Private surety collateral contract not reviewed |\n\n## 5. Claimants, covered losses, procedure, aggregation, and excess liability\n\n### 5.1 Statutory recovery categories\n\nThe bond is available for two categories:\n\n**Agency category**\n\n- Expenses levied by the Commissioner.\n- Fines levied by the Commissioner.\n- Fees levied by the Commissioner.\n\n**Consumer category**\n\n- Losses or damages incurred by a consumer.\n- Caused by the applicant’s or licensee’s failure to comply with the Kansas CSO Act.\n- Determined by the Commissioner. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/)\n\nThe bond does not expressly cover every commercial loss, creditor loss, affiliate loss, contractual expectation, reputational injury, punitive award, attorney fee, or federal-law violation. Coverage depends on the statutory category and current bond language.\n\nThe 2020 specimen is broader in some respects, referring to applicable state and federal law, agents, settlement refunds, final judgments or orders, and a 60-day remittance period. Those additional provisions remain specimen-level only. [Axcess Surety](https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf)\n\n### 5.2 Commissioner determination versus court judgment\n\nK.S.A. 50-1119(d)(2) uses a Commissioner-determination predicate for consumer losses. It does not expressly require a prior court judgment. Separately, K.S.A. 50-1129 authorizes the Commissioner, after the required process, to impose fines, restitution, disgorgement, interest, and affirmative relief. The statute does not fully specify how those orders become claims against the bond. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/)\n\nThe public specimen distinguishes among:\n\n- Unpaid agency expenses and fees.\n- Settlement obligations.\n- Amounts due under final judgments or orders.\n- Commissioner-determined consumer losses.\n\nThat structure cannot be treated as the current mandatory claim protocol without the current NMLS-rendered form.\n\n### 5.3 Who may present or sue on a claim\n\nThe bond is payable to OSBC. Consumers are named as persons whose losses may be paid, but K.S.A. 50-1119 does not expressly state that an individual consumer may:\n\n- Present a claim directly to the surety.\n- Sue the surety without OSBC participation.\n- Obtain payment merely by sending a complaint.\n- Enforce the bond as a third-party beneficiary.\n- Bypass the Commissioner’s loss determination.\n\nNo current bond-specific Kansas decision was located resolving direct standing.\n\nK.S.A. 50-1133 separately allows an injured consumer to sue for damages, with a floor tied to amounts paid to the CSO plus attorney fees and costs, and possible punitive damages. It does not identify the surety as the defendant or limit recovery to the bond. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/)\n\n### 5.4 Aggregate limit\n\nK.S.A. 50-1119 sets the bond amount but does not expressly say whether the penal sum is:\n\n- Per claim.\n- Per consumer.\n- Per occurrence.\n- Per annual period.\n- Aggregate for the entire bond.\n- Automatically replenished.\n\nThe 2020 specimen states that the surety’s aggregate liability for all claims and claimants cannot exceed the bond amount. Because the specimen’s current status is unverified, that aggregate term may be used only as a conditional example, not as a definitive current Kansas claims conclusion. [Axcess Surety](https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf)\n\n### 5.5 Priority, allocation, exhaustion, and replenishment\n\nNo reviewed operative provision supplies a priority rule among:\n\n- OSBC expenses.\n- OSBC fines.\n- OSBC fees.\n- Restitution.\n- Individual consumer losses.\n- Multiple groups of consumers.\n- Earlier and later claims.\n- Claims from different bond years.\n\nNo reviewed provision states whether allocation is first-in-time, pro rata, agency-first, consumer-first, or ordered by the Commissioner.\n\nLikewise, no reviewed provision states:\n\n- Whether a claim payment reduces remaining coverage permanently.\n- Whether the licensee must replenish the bond immediately.\n- Whether a rider restoring the penal sum is required.\n- Whether the bond renews its aggregate annually.\n- Whether multiple successive bonds can be stacked.\n- Whether prior surety liability is primary or excess to a replacement bond.\n\nThose are material launch and recovery gaps.\n\n### 5.6 Liability beyond the bond\n\nThe bond is security, not a liability cap. The Commissioner’s administrative powers and the consumer’s private remedy exist separately. A $25,000 bond does not convert a larger statutory loss into a $25,000 maximum obligation of the CSO. Actual collection may nevertheless depend on principal solvency, surety coverage, procedural prerequisites, available remedies, and priority. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/)\n\n### 5.7 Cases and orders\n\nA focused search of official Kansas court, federal bankruptcy, and OSBC sources did not surface a published decision adjudicating:\n\n- A consumer’s direct action against a Kansas CSO surety.\n- Priority among bond claimants.\n- Bond exhaustion or replenishment.\n- The meaning of the two statutory two-year provisions.\n- A Commissioner bond-loss determination.\n- A challenge to a bond-amount increase.\n\nThat limited search is not proof no case, confidential order, unpublished disposition, or administrative record exists.\n\n*Nazar v. Allied Consumer Services* states under the former registration regime that the covered provider had to register and post a bond, but the case awarded damages and penalties against the provider. It did not involve an issued bond, surety defendant, bond claim, aggregate limit, priority dispute, or current licensing regime. It was decided on a default and properly supported uncontested summary-judgment record. [District of Kansas Bankruptcy Court](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf)\n\n## Recovery matrix\n\n| Issue | Verified rule | Status or consequence |\n| --- | --- | --- |\n| Obligee | OSBC | Answered |\n| Principal | Applicant/licensee | Answered |\n| Consumer beneficiary | Consumer losses can be paid if Commissioner-determined and caused by noncompliance | Answered at statutory level |\n| Direct consumer claim to surety | Not specified | Unresolved |\n| Direct consumer lawsuit against surety | Not specified; no bond-specific case found | Unresolved |\n| Prior court judgment | Not expressly required by statute for Commissioner-determined consumer loss | Current form/procedure unresolved |\n| Agency expenses/fines/fees | Bond is available for them | Answered |\n| Restitution order | Commissioner has separate authority; exact bond pathway not specified | Partial |\n| Attorney fees and costs | Private remedy permits them against CSO; bond coverage not expressly stated | Unresolved |\n| Punitive damages | Potentially available in private action; bond coverage not stated | Unresolved |\n| Federal-law violations | Statute secures licensee duties under Kansas Act; specimen mentions federal law | Current official-form coverage unresolved |\n| Agent conduct | Specimen mentions agents; statute does not expressly do so | Unresolved |\n| Aggregate cap | Specimen says aggregate; statute states amount without allocation mechanics | Partial/specimen-only |\n| Multiple claims | Statute does not allocate | Unresolved |\n| Priority | None supplied | Unresolved |\n| Exhaustion | No rule supplied | Unresolved |\n| Replenishment | No rule supplied | Unresolved |\n| Annual aggregate reset | No rule supplied | Unresolved |\n| Stacking successive bonds | No rule supplied | Unresolved |\n| Claim notice/proof | No statutory contents supplied | Unresolved |\n| Suit limitation | Two liability/tail provisions exist but are not a complete limitations analysis | Partial |\n| Principal excess liability | Bond does not cap separate statutory liability | Answered |\n| Guaranteed recovery | No; depends on valid claim, available bond, procedure, priority, and issuer solvency | Not guaranteed |\n| Bankruptcy/insolvency | Not resolved here | Later pass |\n\n## 6. Legislative history and currentness\n\n### 6.1 2004 enactment\n\nThe 2004 enactment already contained:\n\n- The $25,000 amount.\n- Rulemaking authority to increase up to $1 million.\n- OSBC as obligee.\n- An authorized surety or insurance-company issuer.\n- Thirty days’ prior written cancellation notice.\n- Two-year continuation after surrender, revocation, or expiration.\n- Agency expenses/fines/fees and Commissioner-determined consumer-loss coverage.\n\nThe 2004 provision did not contain the current express pre-cancellation-violation clause or separate two-year action/inaction language. The selected provision appears on PDF page 2, zero-based PDF index 1; no printed page number is visible in the reproduced scan. [Kansas Legislature](https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf)\n\n### 6.2 2017 amendment\n\nThe selected 2017 session-law text added that:\n\n- Cancellation does not affect surety liability for violations occurring before the effective cancellation date.\n- Principal and surety remain liable for two years from the action or inaction giving rise to a claim.\n\nThe amendment did not change the $25,000 amount or $1 million ceiling. Chapter 52 was approved April 18, 2017 and took effect upon publication in the statute book; the selected volume records July 1, 2017 publication/authentication. The prior P2 read covered the selected pages, not the full 1,135-page volume, entire chapter, or every later amendment. [Kansas Secretary of State+2](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf)\n\n### 6.3 Currentness qualification\n\nThe current Revisor page is labeled “2026 Kansas Statutes,” and the official OSBC law book is labeled 2026. Their displayed website-update timestamps are data observations, not themselves enactment or effective dates. This pass did not perform a complete post-2017 bill-history or future-effective-law audit.\n\nThe 2020 specimen’s continued use of “registration” does not override the current codified “license” language and is one reason not to treat that specimen as authenticated current mandatory text.\n\n# B. Source table\n\n| Source ID | Title / issuer / complete literal URL | Exact operative clause or PDF locator | Version, access, status, and limitations |\n| --- | --- | --- | --- |\n| **S_KS-P04-S001** | Kansas Revisor, selected current CSO statutes: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_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/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/ | Complete 50-1119; 50-1118(a)–(d); 50-1127(b); relevant 50-1128; 50-1129(a); complete 50-1132 and 50-1133 | Freshly read Oct. 26, 2026 Pacific. Official pages labeled 2026. Selected sections only, not complete Article 11 or amendment audit. Website timestamps are not legal effective dates. [Kansas Legislature+5](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/) |\n| **S_KS-P04-S002** | Kansas OSBC, *2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act*: https://osbckansas.gov/legal/cso_2026.pdf | Bond: PDF page 5, zero-based index 4, printed **CSO Statutes–Page 4**. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21, printed **CSO Regulation–Page 1** | Freshly parsed and visually inspected relevant pages. File has 22 PDF pages, not 22 printed statute pages. Official agency compilation, not substitute for Revisor codification. Direct rules endpoint previously returned 405 and was not retried repeatedly. [Kansas Bank Commissioner+2](https://osbckansas.gov/legal/cso_2026.pdf) |\n| **S_KS-P04-S003** | Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/ | CSO lines 134–162: NMLS route, past 2025 report/April 1, 2026 renewal instructions, listed supplemental forms | Freshly read Oct. 26. Operational page, not bond text. No public bond/rider/claim form linked; past renewal cycle is not current checklist. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/) |\n| **S_KS-P04-S004** | NMLS, *ESB Adoption Table*: https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf | Kansas row: PDF page 4, zero-based index 3; no separate printed page number visible. Lists Credit Services Organization License; table header states branch bonds not accepted | Updated July 29, 2025; freshly parsed and visually inspected. Establishes ESB adoption, not amount or form terms. [NMLS Resource Center+1](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf) |\n| **S_KS-P04-S005** | NMLS, *Policy Guidebook for Licensees*: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf | ESB chapter: PDF page 133, zero-based index 132, printed page 133. General limitation: PDF pages 6–7/indices 5–6/printed 6–7. Glossary: PDF pages 208–210/indices 207–209/printed 208–210 | Updated Aug. 15, 2026; fresh selected read and visual inspection. Expressly guidance-only and not a substitute for state law. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf) |\n| **S_KS-P04-S006** | NMLS operational ESB pages: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html | Generic lifecycle, riders, increases, cancellation, return, void, replacement, and state-notice reminder | Freshly read. System-operation evidence only; does not establish Kansas substantive terms. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html) |\n| **S_KS-P04-S007** | Private-hosted Form CSO-2 specimen: https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf | PDF page 1/index 0 and PDF page 2/index 1; no printed page numbers shown. Form CSO-2, ESB Form Effective 07/01/2020 | Freshly parsed and visually inspected. Private host; explicitly reference-only; stale registration language; not authenticated as current mandatory form. [Axcess Surety+2](https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf) |\n| **S_KS-P04-S008** | 2004 Kansas Session Laws, ch. 22: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf | New §4: PDF page 2/index 1; no printed page number visible in scan | Historical primary enactment, freshly visually inspected. Used only for original bond architecture. Not complete act-history audit. [Kansas Legislature](https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf) |\n| **S_KS-P04-S009** | 2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf | §15: PDF indices 309–310, printed pages 300–301. §27/approval: index 321, printed page 312 | Evidence-backed reuse of prior selected P2 read. Fresh Oct. 26 route timed out; no false fresh-read claim. Added pre-cancellation survival and two-year action/inaction language. Not full volume or later-history audit. [Kansas Secretary of State+2](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf) |\n| **S_KS-P04-S010** | Kansas OSBC, *2026 Administrative Interpretations*: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf | Outline PDF page 1/index 0; bounded searches for “50-1119,” “credit services organization,” and “surety bond” returned no match | Fresh bounded check. Compilation concerns interpretations issued under a different statutory authority. No-match does not prove no unpublished order or other interpretation. [Kansas Bank Commissioner](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) |\n| **S_KS-P04-S011** | Kansas OSBC, *2026 Guidance Documents*: https://osbckansas.gov/legal/guidance_2026.pdf | Outline PDF page 1/index 0; bounded searches for “50-1119” and “surety bond” returned no match | Fresh bounded check. Public outline contains no CSO bond guidance; no claim regarding unpublished guidance or license items. [Kansas Bank Commissioner](https://osbckansas.gov/legal/guidance_2026.pdf) |\n| **S_KS-P04-S012** | Kansas Revisor, K.S.A. 60-206: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/ | Subsection (a)(1), (a)(5), and definition of legal holiday | Freshly read Oct. 26. General time-computation statute; does not resolve notice-delivery method or current form terms. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/) |\n| **S_KS-P04-S013** | *Nazar v. Allied Consumer Services, LLC*, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf | Bond reference at printed page 6/PDF index 5; damages analysis printed pages 6–8/indices 5–7 | Freshly checked selected bond/remedy passages; prior procedural limits preserved. Signed/filed Apr. 16, 2012, registration-era, default and unopposed supported summary judgment. Not a surety or bond-claim case. [District of Kansas Bankruptcy Court](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf) |\n| **S_KS-P04-S014** | NMLS Checklist Compiler: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx | Dynamic public compiler located; Kansas CSO checklist not extracted through available public text | Fresh access attempt. Access limitation preserved; no account, API, automation, or workaround. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) |\n\n# C. Claim table\n\n| Claim ID | Precise assertion | Source IDs and pinpoints | Conditions, exceptions, consequences, and confidence |\n| --- | --- | --- | --- |\n| **S_KS-P04-C001** | Each Kansas CSO applicant or licensee must file a surety bond. | S001, 50-1119 opening clause; S002 PDF index 4/printed 4 | High. Classification/exemption must first be established. |\n| **S_KS-P04-C002** | Bond trigger is entity/licensure based, not limited to custodial models. | S001, 50-1119; preserved P1 classification | High conditional conclusion; no model-specific bond amount. |\n| **S_KS-P04-C003** | The bond must be in a form acceptable to the Commissioner. | S001, 50-1119 | High; exact current form not obtained. |\n| **S_KS-P04-C004** | Issuer must be a surety or insurance company authorized to conduct business in Kansas. | S001, 50-1119 | High. Does not authorize ordinary insurance as substitute. |\n| **S_KS-P04-C005** | Principal is applicant/licensee; obligee is OSBC. | S001, 50-1119(a); S005 glossary | High. |\n| **S_KS-P04-C006** | Bond secures faithful performance of all licensee duties and obligations. | S001, 50-1119 opening clause | High. Exact agent/affiliate reach remains form-dependent. |\n| **S_KS-P04-C007** | Statutory bond amount is $25,000. | S001, 50-1119(e); S002 index 4/printed 4 | High. |\n| **S_KS-P04-C008** | Increase is permitted only up to $1 million and is to be further defined by adopted rules and regulations. | S001, 50-1119(e) | High. Ceiling is not current amount. |\n| **S_KS-P04-C009** | No bond-increase formula appears in the current official Article 25 compilation. | S002 indices 20–21 | High for compilation reviewed; not proof no other authority exists. |\n| **S_KS-P04-C010** | K.A.R. 17-25-1 establishes $400 initial and $150 renewal governmental fees, not bond amounts. | S002 index 21/printed regulation 1 | High; prior P2 substance preserved. |\n| **S_KS-P04-C011** | No cash, LOC, CD, collateral, net-worth, self-insurance, or waiver substitution was verified. | S001, S002, S003, S010–S011 | Bounded negative finding; confidential or later authority not ruled out. |\n| **S_KS-P04-C012** | No separate CSO fidelity, E&O, crime, cyber, or liability-insurance requirement was located. | S001–S003, S010–S011 | Bounded public-source finding. |\n| **S_KS-P04-C013** | “Surety or insurance company” concerns issuer eligibility, not an alternative policy. | S001, 50-1119 | High textual conclusion. |\n| **S_KS-P04-C014** | Failure to file and maintain the bond is a ground for denial, suspension, revocation, or nonrenewal after required process. | S001, 50-1127(b) | High. |\n| **S_KS-P04-C015** | No separate annual rebonding requirement or annual amount reset was found. | S001, 50-1118(d), 50-1127(b); S005–S006 | High bounded conclusion; actual instrument may be continuous. |\n| **S_KS-P04-C016** | Cancellation requires 30 days’ prior written notice to Commissioner. | S001, 50-1119(b) | High. Delivery/receipt mechanics unresolved. |\n| **S_KS-P04-C017** | General Kansas computation counts intermediate weekends/holidays and addresses backward counting. | S012, 60-206(a) | High general rule; application to transmission/receipt remains held. |\n| **S_KS-P04-C018** | Cancellation does not extinguish liability for violations before its effective date. | S001, 50-1119(b) | High. |\n| **S_KS-P04-C019** | Principal and surety remain liable for two years from the action or inaction giving rise to claim. | S001, 50-1119(b) | High; not a complete limitations ruling. |\n| **S_KS-P04-C020** | Bond may not expire for two years after earliest license surrender, revocation, or expiration. | S001, 50-1119(c) | High; interaction with C019 unresolved. |\n| **S_KS-P04-C021** | Bond is available for Commissioner-levied expenses, fines, and fees. | S001, 50-1119(d)(1) | High. |\n| **S_KS-P04-C022** | Bond is available for Commissioner-determined consumer losses caused by Act noncompliance. | S001, 50-1119(d)(2) | High; claim procedure unresolved. |\n| **S_KS-P04-C023** | Statute does not expressly give consumer a direct surety claim or direct action. | S001; S013 limited case check | High bounded reading; common-law/form rights not resolved. |\n| **S_KS-P04-C024** | Private consumer remedy against the violator is separate and not expressly capped by bond. | S001, 50-1133; 50-1129; 50-1132 | High. |\n| **S_KS-P04-C025** | Priority among agency and consumer claims is not specified. | S001, 50-1119(d) | High bounded reading. |\n| **S_KS-P04-C026** | Statute does not specify aggregate/per-claim treatment, exhaustion, replenishment, or annual reset. | S001 | High bounded reading. |\n| **S_KS-P04-C027** | 2020 reference specimen states aggregate liability cannot exceed penal sum. | S007 index 0 | High specimen fact; current mandatory status unverified. |\n| **S_KS-P04-C028** | 2020 specimen includes a 60-day payment instruction and additional agent/settlement/judgment terms. | S007 index 0 | High specimen fact; not elevated to current law. |\n| **S_KS-P04-C029** | Kansas CSO license appears in NMLS ESB adoption table. | S004 index 3 | High as of July 29, 2025 table. |\n| **S_KS-P04-C030** | Regulator creates bond form rendered in NMLS; current Kansas-rendered form was not extracted. | S005 index 132/printed 133; S014 | High procedural fact and access limit. |\n| **S_KS-P04-C031** | NMLS supports riders, increases, cancellations, returns, voids, and replacement, subject to state law. | S006 | High generic system fact; not Kansas substantive law. |\n| **S_KS-P04-C032** | Public Form CSO-2 is reference-only, privately hosted, and uses stale registration terminology. | S007 indices 0–1 | High. |\n| **S_KS-P04-C033** | No bond-specific controlling case or public formal OSBC order was located in bounded searches. | S010–S011, S013, focused searches | Search-result statement only; full citator/order docket remains open. |\n| **S_KS-P04-C034** | *Nazar* mentioned bond obligation but did not decide a surety claim. | S013 printed page 6/index 5 | High; procedural and historical limits preserved. |\n| **S_KS-P04-C035** | 2004 enacted core amount/tail; 2017 added pre-cancellation survival and act/inaction clock. | S008 New §4; S009 §15 | High for selected history; not full amendment audit. |\n| **S_KS-P04-C036** | One legal entity’s bond does not automatically establish affiliate or administrator coverage. | S001; S007 specimen limitation | High as statutory reading; current form and contracts required. |\n| **S_KS-P04-C037** | Public NMLS table is consistent with company-level, not branch, ESB treatment. | S004 index 3 | Medium-high; does not decide separate legal entities. |\n| **S_KS-P04-C038** | Bond amount is not authority to charge consumer fees or collect federally premature fees. | S001; preserved P1/P2 | High separation of legal layers. |\n| **S_KS-P04-C039** | No actual provider, surety, instrument, rider, cancellation, or claim status was established. | Scope limitation | High. |\n| **S_KS-P04-C040** | Bond recovery is not guaranteed merely because a valid loss exceeds zero. | C022–C027 | High; procedure, priority, aggregate, issuer solvency, and available penal sum matter. |\n\n# D. Bounded security examples\n\n## Common conditions\n\nThese examples assume a covered, nonexempt Kansas CSO applicant or licensee. They do not establish an actual bond, valid claim, Commissioner determination, surety solvency, priority, or recovery. Amounts are dollars; no rounding is required. No fee earning, trust accounting, or federal advance-fee permission is inferred.\n\n## Example S1 — Publicly verified base amount\n\n**Inputs**\n\n- Covered Kansas CSO applicant.\n- No verified bond-increase regulation.\n- No actual NMLS license item requiring a different amount.\n\n**Calculation**\n\nPlain text\n```\nStatutory amount                              $25,000\nVerified increase formula                           none\nCurrent evidence-backed required amount       $25,000\n```\n\n**Result:** The supported amount is **$25,000**.\n\nThe $1 million figure is not added, averaged, or treated as optional agency discretion without a valid defining regulation.\n\n## Example S2 — Hypothetical higher amount\n\nAssume a hypothetical adopted regulation requires a $400,000 bond for a defined tier.\n\nPlain text\n```\nHypothetical prescribed amount               $400,000\nStatutory ceiling                           1,000,000\nExcess over ceiling                                  0\n```\n\nNumerically, $400,000 is within the ceiling. It would be lawful only if the hypothetical rule were valid, operative, and applicable.\n\nA hypothetical $1,200,000 rule would exceed the statutory ceiling by:\n\nPlain text\n```\n$1,200,000 − $1,000,000 = $200,000\n```\n\nNo actual Kansas regulation prescribing either amount was verified.\n\n## Example S3 — Multiple claims under the specimen’s aggregate term\n\n**Express assumptions**\n\n- Current accepted instrument contains the same aggregate term as the 2020 reference specimen.\n- All claims are valid and properly determined.\n- No prior payments have reduced the penal sum.\n- No priority rule is assumed.\n\n**Hypothetical amounts**\n\n- Consumer A loss: $9,000\n- Consumer B loss: $11,000\n- Agency amount: $8,000\n\nPlain text\n```\nTotal asserted covered amounts:\n$9,000 + $11,000 + $8,000 = $28,000\n\nHypothetical aggregate bond limit             $25,000\nExcess over penal sum                           3,000\n```\n\n**Result under the express specimen assumption**\n\n- Maximum aggregate surety exposure: **$25,000**.\n- Unsecured excess against the principal: **$3,000**.\n\n**Not established**\n\n- Which claimant receives what portion.\n- Whether agency or consumers have priority.\n- Whether payment is pro rata.\n- Whether the bond replenishes.\n- Whether the actual current form has the specimen aggregate term.\n- Whether any claimant actually recovers.\n\n## Example S4 — Loss exceeds bond amount\n\n**Inputs**\n\n- Commissioner-determined consumer loss: $40,000.\n- Available bond penal sum: $25,000.\n- No earlier claims.\n- Aggregate treatment assumed only for illustration.\n\nPlain text\n```\nCovered loss                                 $40,000\nPossible bond security                        25,000\n                                              ------\nAmount beyond bond security                  $15,000\n```\n\nThe $15,000 excess remains potential principal liability; the bond does not erase it. Neither the $25,000 nor the $15,000 is guaranteed collectible.\n\n## Example S5 — Cancellation and pre-effective violation\n\nUse variables rather than invented calendar dates.\n\n- N = date legally effective notice is given to the Commissioner.\n- E = lawful cancellation effective date, not earlier than completion of the applicable 30-day notice period.\n- A1 = principal act occurring before E.\n- A2 = principal act occurring after E.\n\n**Branch A — Act A1 before effective cancellation**\n\nThe old bond remains potentially responsive because cancellation does not affect liability for pre-effective violations. The act-specific liability clock runs for two years from A1.\n\n**Branch B — Act A2 after effective cancellation**\n\nThe old bond is not established as covering A2. A replacement bond with a valid effective date would need to be examined.\n\n**Held**\n\n- Whether N means mailing, NMLS submission, delivery, or receipt.\n- Exact interaction between general time computation and the accepted form.\n- Whether a replacement instrument avoids all gaps.\n\n## Example S6 — Surrender and the two clocks\n\n**Inputs**\n\n- Covered act: January 15 of hypothetical Year 1.\n- License surrender: July 1 of hypothetical Year 1.\n\n**Clock 1**\n\nPlain text\n```\nTwo years from covered act:\nJanuary 15, Year 1 → January 15, Year 3\n```\n\n**Clock 2**\n\nPlain text\n```\nBond nonexpiration tail:\nJuly 1, Year 1 → July 1, Year 3\n```\n\nThe statutory clocks produce different dates. This example demonstrates the issue only. PASS-04 does **not** decide whether the later date extends claim-presentment rights, whether both conditions must be satisfied, or when an action must be filed.\n\n## Example S7 — Proposed cash substitute\n\n**Inputs**\n\n- Applicant places $25,000 cash in a restricted account.\n- Applicant files no surety bond.\n\nPlain text\n```\nCash held                                      $25,000\nVerified statutory substitution authority             0\nRequired surety bond on reviewed law           $25,000\n```\n\n**Result:** Equal numeric value does not make the cash account a lawful substitute. The statutory bond remains required unless an operative alternative-security authority is produced.\n\n## Example S8 — Nonprofit noncustodial provider\n\n**Inputs**\n\n- Entity is nonprofit.\n- Entity does not receive creditor-payment funds.\n- Its actual services nevertheless fall within a covered negotiation or credit-improvement branch.\n- No valid exemption applies.\n\n**Result**\n\nPlain text\n```\nEntity required to obtain CSO license: conditional yes\nBond amount on verified public law:         $25,000\n```\n\nNeither nonprofit status nor noncustodial operation changes the verified amount. The bond does not resolve the prior noncustodial agreement issue, authorize a percentage fee, or establish federal timing compliance.\n\n## Example S9 — Affiliate administrator\n\n**Inputs**\n\n- Licensed CSO A has a $25,000 bond.\n- Affiliate B administers payments or performs other services.\n- B is not named as principal on the available facts.\n- No current official bond form or agency contract is supplied.\n\n**Result**\n\nPlain text\n```\nA's verified penal sum                         $25,000\nAutomatically verified coverage for B                 $0\n```\n\nThe zero does not mean B can never be covered. It means no automatic affiliate coverage was established. Current bond text, agency relationship, legal responsibility, and B’s own licensing status are required.\n\n## Example S10 — Replacement before cancellation\n\n**Assumptions**\n\n- Old bond cancellation effective at E.\n- New bond accepted and effective at E, with no gap.\n- Both instruments otherwise valid.\n\nPlain text\n```\nOld bond coverage period: through E, subject to tail\nNew bond coverage period: beginning E\nTemporal gap:                              0 days\n```\n\nThis numeric continuity does not decide which bond responds to a later-discovered claim. The date of the underlying act, wording of both instruments, claim rules, and statutory clocks remain controlling.\n\n# E. Component coverage and gap table\n\n| Security component | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Applicant/licensee bond trigger | **Answered** | C001–C002 | Entity-specific classification still required |\n| Custodial DMP bond | **Answered conditionally** | C002 | Actual applicant facts |\n| Noncustodial settlement bond | **Answered conditionally** | C002 | Prior agreement architecture remains open |\n| Credit-improvement model bond | **Answered conditionally** | C002 | Actual representations and exemptions |\n| Hybrid model | **Answered** | C002 | No per-branch multiplier found |\n| Nonprofit model | **Answered conditionally** | C002 | No nonprofit exemption presumed |\n| Attorney/law-firm model | **Preserved conditional** | — | Prior Hays/Williamson factual exemption analysis remains |\n| Remote provider | **Answered conditionally** | C002 | If required to license, same bond |\n| Affiliate/administrator coverage | **Unresolved** | C036 | Current form, agency contract, principal identity, and legal duties |\n| Branch bond | **Partial** | C037 | NMLS says branch bonds not accepted; separate-entity structure requires review |\n| Principal | **Answered** | C005 | Actual named principal not checked |\n| Obligee | **Answered** | C005 | OSBC |\n| Issuer authorization | **Answered at rule level** | C004 | Actual surety’s Kansas authority not checked |\n| Faithful-performance scope | **Answered at statute level** | C006 | Current form may contain additional terms |\n| Agent conduct | **Unresolved** | C006, C028 | Current official form required |\n| Base amount | **Answered** | C007 | $25,000 |\n| Maximum increase | **Answered** | C008 | $1 million statutory ceiling |\n| Increase formula | **Unresolved/not located** | C008–C009 | Current adopted rule, order, or NMLS requirement needed |\n| Per-volume formula | **Not established** | C009 | No formula located |\n| Per-consumer formula | **Not established** | C009 | No formula located |\n| First-year/renewal difference | **Not established** | C015 | Current checklist or rule required |\n| CPI/indexing | **Not established** | C009 | No indexing text located |\n| Government application/renewal fees | **Separated** | C010 | Not bond amounts |\n| Numeric net-worth requirement | **Not established** | C011 | Financial review is qualitative in statute |\n| Cash security alternative | **Not established** | C011 | Operative alternative-security authority required |\n| Letter of credit/CD alternative | **Not established** | C011 | Same |\n| Bond waiver | **Not established** | C011 | Same |\n| Fidelity insurance requirement | **Not located** | C012 | Current order/checklist or policy requirement needed |\n| E&O/general liability requirement | **Not located** | C012 | Same |\n| Current official bond form | **Unresolved** | C030, C032 | Extract live NMLS-rendered Kansas form through authorized public route |\n| Public paper form | **Not linked by OSBC** | C030 | Current OSBC/NMLS artifact needed |\n| 2020 Form CSO-2 | **Read as specimen only** | C027–C028, C032 | Current authentication required |\n| Bond rider forms | **Unresolved** | C031 | Current Kansas rider templates or NMLS rendering |\n| Power of attorney requirements | **Unresolved** | C030 | Current checklist/form |\n| NMLS ESB route | **Answered** | C029–C031 | Does not establish substantive terms |\n| Current Kansas checklist | **Unresolved** | C030 | Public compiler did not expose it |\n| Continuous maintenance | **Answered** | C014–C015 | Exact instrument term remains unavailable |\n| Annual rebonding | **No rule located** | C015 | Current form/checklist could clarify |\n| Cancellation notice | **Answered at statute level** | C016 | 30 days’ prior written notice |\n| Day counting | **Answered generally; application partial** | C017 | Delivery method and form practice unresolved |\n| Consumer cancellation notice | **Not required by reviewed statute** | C016 | Current form/order could add it |\n| Principal cancellation notice | **Specimen-only** | C032 | Current form needed |\n| Pre-cancellation liability | **Answered** | C018–C019 | Claim procedure remains |\n| Post-license tail | **Answered** | C020 | Clock interaction remains |\n| Replacement grace period | **Unresolved** | C014, C031 | No statutory grace found |\n| Cancellation rescission | **NMLS process identified** | C031 | Kansas acceptance requirements unresolved |\n| Reduction in amount | **Specimen/NMLS process only** | C031–C032 | Current Kansas rider and notice rule |\n| Release by OSBC | **Specimen-only** | C032 | Current authority/form needed |\n| Consumer-loss coverage | **Answered at statutory level** | C022 | Commissioner determination and claim protocol unresolved |\n| Agency expenses/fines/fees | **Answered** | C021 | Priority unresolved |\n| Restitution against bond | **Partial** | C021–C022 | Order-to-bond procedure needed |\n| Direct consumer bond claim | **Unresolved** | C023 | Current form, regulation, order, or controlling case |\n| Direct surety lawsuit | **Unresolved** | C023 | Same |\n| Claim notice/proof | **Unresolved** | C023 | Current form/claims instructions |\n| Final judgment prerequisite | **Not stated in statute** | C022, C028 | Current form/procedure needed |\n| Aggregate cap | **Specimen-only** | C026–C027 | Current accepted form required |\n| Per-claim limit | **Unresolved** | C026 | Same |\n| Priority among claimants | **Unresolved** | C025 | Formal rule/order/case |\n| Exhaustion | **Unresolved** | C026 | Same |\n| Replenishment | **Unresolved** | C026 | Same |\n| Annual aggregate reset | **Unresolved** | C026 | Same |\n| Successive-bond stacking | **Unresolved** | C026 | Instruments/case law required |\n| Attorney fees/punitive damages under bond | **Unresolved** | C024 | Current form and case law |\n| Principal liability beyond penal sum | **Answered** | C024 | Separate collection/remedies later |\n| Surety solvency/guaranty association | **Excluded/later** | C040 | Insurance and insolvency law pass |\n| Bankruptcy priority | **Excluded/later** | C040 | Bankruptcy and security analysis |\n| Bond collateral release | **Not applicable on verified law** | C011 | Private surety collateral contract not reviewed |\n| Named provider bond | **Not checked** | C039 | Legal name, NMLS ID, actual instrument needed |\n| Named surety authority | **Not checked** | C039 | Actual surety/NAIC record required |\n| Published bond cases | **No bond-specific holding located in bounded search** | C033–C034 | Full citator and administrative docket |\n| 2004 enactment | **Answered selectively** | C035 | No full history audit |\n| 2017 amendment | **Answered selectively** | C035 | No full later-amendment audit |\n| Federal fee timing | **Preserved, not rerun** | C038 | Bond never creates federal advance-fee exception |\n| Consumer fee authority | **Preserved, not rerun** | C038 | Penal sum is not fee permission |\n| Trust/funds operations | **Excluded from this pass** | — | PASS-03 remains separately unreviewed by coordinator |\n| Full agreements and enforceability | **Excluded/later** | — | Separate contract pass |\n| Full remedies and limitations | **Excluded except security boundary** | — | Separate pass |\n| Collections, garnishment, secured sectors | **Excluded/later** | — | Remain open |\n| Local, tribal, and choice-of-law | **Excluded/later** | — | Remain open |\n| Component/state/parent/A066 acceptance | **Not evaluated** | — | No acceptance follows from PASS-04 |\n\n# F. Researcher self-check\n\n## Actually read or inspected in PASS-04\n\n- Complete current K.S.A. 50-1119.\n- Relevant current K.S.A. 50-1118, 50-1127, 50-1128, 50-1129, 50-1132, and 50-1133.\n- Current general time-computation provisions in K.S.A. 60-206.\n- Bond page of the official 2026 OSBC CSO compilation, both parsed and visually inspected.\n- Article 25 outline and complete K.A.R. 17-25-1, with PDF-index and printed-page systems distinguished.\n- Current OSBC applications/forms CSO section.\n- NMLS ESB adoption-table Kansas row, parsed and visually inspected.\n- Relevant current NMLS Policy Guidebook ESB chapter, limitations, and glossary.\n- NMLS cancellation, return, void, replacement, rider, and increase operational guidance.\n- Complete two-page private-hosted 2020 Form CSO-2 specimen, parsed and visually inspected.\n- Selected 2004 enactment page, visually inspected.\n- Bounded current OSBC administrative-interpretation and guidance compilations.\n- Selected bond reference and procedural posture in *Nazar*.\n- Focused official-domain searches for CSO bond cases, orders, forms, and claim procedures.\n\n## Evidence-backed reuse, not a fresh complete read\n\n- Selected 2017 session-law §15 and §27 pages previously read in PASS-02. A fresh direct fetch on October 26 timed out; the earlier actual selected reading was preserved rather than relabeled.\n- Prior P1 and P2 classification, exemption, fee, federal, and case limitations.\n- Prior direct Kansas administrative-rules endpoint HTTP 405 result.\n\n## Not read or not obtained\n\n- The current live Kansas CSO bond rendered inside NMLS.\n- A complete current Kansas CSO new-application or renewal checklist.\n- An official current bond rider, cancellation form, reinstatement form, claim form, proof-of-loss form, or collateral-release form.\n- Any issued bond, surety power of attorney, rider, premium invoice, indemnity agreement, claim file, or OSBC loss determination.\n- Any named provider’s NMLS bond status.\n- Any named surety’s Kansas authorization or solvency.\n- A complete Article 11 amendment history after 2017.\n- A complete Kansas appellate/federal citator.\n- A complete OSBC enforcement, administrative-order, settlement, or license-item docket.\n- A controlling decision on direct surety standing, priority, aggregate limits, exhaustion, replenishment, stacking, or statutory-clock interaction.\n- Private surety underwriting or collateral requirements.\n- Insurance-guaranty-association, surety-insolvency, bankruptcy, bond-priority, or receivership rules.\n- Full private, administrative, KCPA, punitive, limitations, or restitution analysis outside the security boundary.\n\n## Method and conclusion limits\n\n- The $1 million ceiling was not converted into a current amount.\n- Search silence was not treated as proof that no rule, order, or case exists.\n- The current official Article 25 compilation was not treated as infallible proof that no separate authority exists.\n- “Insurance company” was not converted into an alternative insurance-policy pathway.\n- A private 2020 reference specimen was not treated as an authenticated current form.\n- NMLS workflow instructions were not treated as Kansas substantive law.\n- The statutory bond was not treated as a consumer-fee authorization, advance-fee exemption, trust substitute, or recovery guarantee.\n- No hypothetical claim was represented as valid, approved, payable, or collectible.\n- No component, Kansas dossier, parent dossier, A066, operating model, or publication-readiness acceptance is supplied.\n\n## PASS-04 conclusion\n\nKansas currently establishes a **$25,000 applicant/licensee surety bond**, payable to OSBC and issued by an authorized surety or insurance company. The bond secures faithful statutory performance and is available for Commissioner-levied agency amounts and Commissioner-determined consumer losses. A higher amount requires a valid rule-defined increase and cannot exceed $1 million; no current public increase formula was verified.\n\nThe bond must be maintained, cannot terminate without 30 days’ prior written notice, preserves liability for pre-cancellation violations for two years from the underlying act or omission, and remains unexpired for two years after the earliest license surrender, revocation, or expiration. The exact current instrument, aggregate terms, claim procedure, direct consumer standing, priority, exhaustion, replenishment, successive-bond interaction, and alternative-security possibilities remain unresolved on the available public evidence.\n\nEND S_KS PASS-04.\n\n","tables":[{"headers":["Role","Verified status"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Role","Verified status"],["Applicant/principal","The Kansas CSO applicant or licensee"],["Obligee/payee","Office of the State Bank Commissioner"],["Permitted issuer","A surety or insurance company authorized to conduct business in Kansas"],["Protected statutory interests","Faithful performance of all licensee duties; agency expenses/fines/fees; Commissioner-determined consumer losses or damages"],["Consumers","Statutory beneficiaries of the consumer-loss branch, but not expressly named as bond obligees"],["Affiliates, administrators, employees, or agents","Not independently defined as bonded principals in the statute; coverage depends on current instrument language and legal responsibility"],["Federal government or creditors","Not identified as obligees or direct bond beneficiaries"]]},{"headers":["Requirement","Nature","Not interchangeable with"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Requirement","Nature","Not interchangeable with"],["$25,000 CSO surety bond","Third-party security instrument securing statutory performance","Trust account, application fee, renewal fee, consumer fee, or provider net worth"],["Financial responsibility and condition review","Qualitative licensing fitness determination","A published numerical net-worth minimum"],["$400 initial / $150 renewal fee","Governmental charges under K.A.R. 17-25-1","Bond amount or bond premium"],["Consumer trust account, if applicable","Custody/segregation obligation addressed separately","Surety bond"],["Bond premium","Private price charged by surety, not prescribed in reviewed statute","Penal sum or consumer fee"],["Consumer fee ceiling","State permission limit addressed in PASS-01/PASS-02","Source of bond collateral or authority to charge in advance"]]},{"headers":["Model","Security trigger","Verified amount","Principal and scope","Conditions and unresolved boundaries"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Model","Security trigger","Verified amount","Principal and scope","Conditions and unresolved boundaries"],["Custodial DMP operated by covered Kansas CSO","Entity applies for or holds CSO license","$25,000, unless a valid increase rule applies","Applicant/licensee; all statutory licensee duties","Bond does not replace trust-account duties or authorize fee withdrawal"],["Noncustodial debt-settlement/negotiation model","Same, if prior functional classification requires Kansas license","$25,000 on publicly verified law","Applicant/licensee","Noncustodial agreement architecture remains held; bond does not cure it"],["Credit-improvement/credit-services model","Same, when covered and not exempt","$25,000","Applicant/licensee","CROA/TSR and actual representations remain separate"],["Hybrid custody, negotiation, and credit-improvement model","Same entity-level bond trigger","$25,000","Applicant/licensee across its licensee duties","No per-branch multiplier found"],["Nonprofit CSO","Same if covered and licensed","$25,000","Nonprofit applicant/licensee","Nonprofit status alone is not a bond exemption"],["Remote out-of-state provider serving Kansas residents","Same if Kansas licensing is required","$25,000","Remote applicant/licensee","No reduced remote amount found"],["Qualifying exempt Kansas lawyer/law firm","No K.S.A. 50-1119 bond if the prior statutory exemption actually applies","Not applicable under that exemption","Exemption is fact-dependent","Attorney name, signature, or contractual role alone is insufficient"],["Pure counseling outside the statutory definition","No CSO bond if genuinely outside the Act","Not applicable","Classification facts control","No blanket counseling exemption is inferred"],["Affiliate or administrator","Not covered by another entity’s bond merely by affiliation","Held","Separate legal entity and duties must be analyzed","Current official form and actual contracts needed"],["Branch office of the same company","NMLS table says branch bonds are not accepted for listed company license types","Company-level requirement","Licensed company","Does not resolve separately incorporated branches or affiliates"],["Named provider or actual existing bond","Not investigated","Unknown","Unknown","Live NMLS record, actual instrument, surety status, and riders required"]]},{"headers":["Question","Verified rule","Current result"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","Verified rule","Current result"],["Base statutory penal sum","K.S.A. 50-1119(e)","$25,000"],["Maximum authorized increase","Up to $1,000,000, as defined by adopted rules","Ceiling only; no current public formula verified"],["Initial applicant","Must file bond with Commissioner","Required before lawful licensure is established"],["Renewal","Licensee must file and maintain bond","No separate annual rebonding formula found"],["Per branch","NMLS ESB table states branch bonds not accepted","Company-level ESB route; entity questions remain"],["Per consumer or debt","No such formula in reviewed law","Not established"],["Volume-based amount","No current CSO formula located","Not established"],["Commissioner individualized discretion","No operative individual formula in statute","Cannot be inferred from ceiling alone"],["Cash/LOC/CD alternative","Not provided in reviewed authority","Not verified"],["Net-worth substitute","Not provided","Not verified"],["Fidelity/E&O substitute","Not provided","Not verified"],["Waiver","No waiver provision located","Not verified"],["Issuer","Authorized surety or insurance company","Must be authorized in Kansas"],["Exact current bond form","Regulator-created and rendered in NMLS","Not publicly extracted"],["Actual provider instrument","Requires live record/private instrument","Not investigated"]]},{"headers":["Event","Verified consequence","Time unit or trigger","Unresolved issue"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","Verified consequence","Time unit or trigger","Unresolved issue"],["Initial application","Applicant must file acceptable bond","Before licensure can be established","Exact NMLS acceptance workflow and current form"],["Annual license renewal","Bond must remain maintained","License expires April 30 unless renewed","No separate annual rebonding rule found"],["Surety cancellation notice","Cannot terminate without prior written notice to Commissioner","30 days; general Kansas computation statute is relevant","Mailing versus receipt versus NMLS-submission effectiveness"],["Act before cancellation effective date","Cancellation does not erase liability","Two years from action or inaction giving rise to claim","Claim-presentment and suit timing"],["Act after cancellation effective date","Not established as covered by old bond","Depends on replacement instrument","Gap, retroactivity, and new-bond effective date"],["Bond replacement before cancellation","May preserve continuous coverage if properly accepted and timed","Actual instrument dates control","No current Kansas replacement form or grace rule"],["Cancellation rescinded","NMLS can process rescission before effective date","System status and instrument terms control","Kansas-specific acceptance requirements"],["License surrender","Bond cannot expire immediately","Two years after surrender, subject to statutory interaction","Claim procedure and priority"],["License revocation","Same statutory tail","Two years after revocation","Same"],["License expiration","Same statutory tail","Two years after expiration","Effect of timely renewal and successive bonds"],["Surety amount reduction","Not expressly detailed in statute","Must remain at lawful required amount","Current rider and notice rules not obtained"],["Surety payment of claim","Statute does not state replenishment","Unknown","Whether applicant must restore full penal sum immediately"],["Surety insolvency or loss of Kansas authority","Not addressed in reviewed CSO provision","Unknown","Replacement duty, notice, guaranty association, or claim treatment"],["Merger/name conversion","Not addressed in statute","Actual entity and NMLS rider facts control","Whether new principal or rider required"],["Release of collateral","No statutory alternative collateral established","Not applicable on current evidence","Private surety collateral contract not reviewed"]]},{"headers":["Issue","Verified rule","Status or consequence"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Verified rule","Status or consequence"],["Obligee","OSBC","Answered"],["Principal","Applicant/licensee","Answered"],["Consumer beneficiary","Consumer losses can be paid if Commissioner-determined and caused by noncompliance","Answered at statutory level"],["Direct consumer claim to surety","Not specified","Unresolved"],["Direct consumer lawsuit against surety","Not specified; no bond-specific case found","Unresolved"],["Prior court judgment","Not expressly required by statute for Commissioner-determined consumer loss","Current form/procedure unresolved"],["Agency expenses/fines/fees","Bond is available for them","Answered"],["Restitution order","Commissioner has separate authority; exact bond pathway not specified","Partial"],["Attorney fees and costs","Private remedy permits them against CSO; bond coverage not expressly stated","Unresolved"],["Punitive damages","Potentially available in private action; bond coverage not stated","Unresolved"],["Federal-law violations","Statute secures licensee duties under Kansas Act; specimen mentions federal law","Current official-form coverage unresolved"],["Agent conduct","Specimen mentions agents; statute does not expressly do so","Unresolved"],["Aggregate cap","Specimen says aggregate; statute states amount without allocation mechanics","Partial/specimen-only"],["Multiple claims","Statute does not allocate","Unresolved"],["Priority","None supplied","Unresolved"],["Exhaustion","No rule supplied","Unresolved"],["Replenishment","No rule supplied","Unresolved"],["Annual aggregate reset","No rule supplied","Unresolved"],["Stacking successive bonds","No rule supplied","Unresolved"],["Claim notice/proof","No statutory contents supplied","Unresolved"],["Suit limitation","Two liability/tail provisions exist but are not a complete limitations analysis","Partial"],["Principal excess liability","Bond does not cap separate statutory liability","Answered"],["Guaranteed recovery","No; depends on valid claim, available bond, procedure, priority, and issuer solvency","Not guaranteed"],["Bankruptcy/insolvency","Not resolved here","Later pass"]]},{"headers":["Source ID","Title / issuer / complete literal URL","Exact operative clause or PDF locator","Version, access, status, and limitations"],"index":6,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/","text":"Kansas Legislature\n+5"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+2"},{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"},{"href":"https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","text":"NMLS Resource Center\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","text":"Nationwide Licensing System\n+2"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html","text":"Nationwide Licensing System\n+1"},{"href":"https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf","text":"Axcess Surety\n+2"},{"href":"https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","text":"Kansas Legislature"},{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+2"},{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner"},{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner"},{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","text":"Kansas Legislature"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/","text":"Kansas Legislature\n+5"}],[{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank Commissioner\n+2"}],[{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"}],[{"href":"https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","text":"NMLS Resource Center\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","text":"Nationwide Licensing System\n+2"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html","text":"Nationwide Licensing System\n+1"}],[{"href":"https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf","text":"Axcess Surety\n+2"}],[{"href":"https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","text":"Kansas Legislature"}],[{"href":"https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","text":"Kansas Secretary of State\n+2"}],[{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner"}],[{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","text":"Kansas Legislature"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}]],"rows":[["Source ID","Title / issuer / complete literal URL","Exact operative clause or PDF locator","Version, access, status, and limitations"],["S_KS-P04-S001","Kansas Revisor, selected current CSO statutes: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_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/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/","Complete 50-1119; 50-1118(a)–(d); 50-1127(b); relevant 50-1128; 50-1129(a); complete 50-1132 and 50-1133","Freshly read Oct. 26, 2026 Pacific. Official pages labeled 2026. Selected sections only, not complete Article 11 or amendment audit. Website timestamps are not legal effective dates. \nKansas Legislature\n+5"],["S_KS-P04-S002","Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf","Bond: PDF page 5, zero-based index 4, printed CSO Statutes–Page 4. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21, printed CSO Regulation–Page 1","Freshly parsed and visually inspected relevant pages. File has 22 PDF pages, not 22 printed statute pages. Official agency compilation, not substitute for Revisor codification. Direct rules endpoint previously returned 405 and was not retried repeatedly. \nKansas Bank Commissioner\n+2"],["S_KS-P04-S003","Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","CSO lines 134–162: NMLS route, past 2025 report/April 1, 2026 renewal instructions, listed supplemental forms","Freshly read Oct. 26. Operational page, not bond text. No public bond/rider/claim form linked; past renewal cycle is not current checklist. \nKansas Bank Commissioner"],["S_KS-P04-S004","NMLS, ESB Adoption Table: https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","Kansas row: PDF page 4, zero-based index 3; no separate printed page number visible. Lists Credit Services Organization License; table header states branch bonds not accepted","Updated July 29, 2025; freshly parsed and visually inspected. Establishes ESB adoption, not amount or form terms. \nNMLS Resource Center\n+1"],["S_KS-P04-S005","NMLS, Policy Guidebook for Licensees: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","ESB chapter: PDF page 133, zero-based index 132, printed page 133. General limitation: PDF pages 6–7/indices 5–6/printed 6–7. Glossary: PDF pages 208–210/indices 207–209/printed 208–210","Updated Aug. 15, 2026; fresh selected read and visual inspection. Expressly guidance-only and not a substitute for state law. \nNationwide Licensing System\n+2"],["S_KS-P04-S006","NMLS operational ESB pages: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html","Generic lifecycle, riders, increases, cancellation, return, void, replacement, and state-notice reminder","Freshly read. System-operation evidence only; does not establish Kansas substantive terms. \nNationwide Licensing System\n+1"],["S_KS-P04-S007","Private-hosted Form CSO-2 specimen: https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf","PDF page 1/index 0 and PDF page 2/index 1; no printed page numbers shown. Form CSO-2, ESB Form Effective 07/01/2020","Freshly parsed and visually inspected. Private host; explicitly reference-only; stale registration language; not authenticated as current mandatory form. \nAxcess Surety\n+2"],["S_KS-P04-S008","2004 Kansas Session Laws, ch. 22: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","New §4: PDF page 2/index 1; no printed page number visible in scan","Historical primary enactment, freshly visually inspected. Used only for original bond architecture. Not complete act-history audit. \nKansas Legislature"],["S_KS-P04-S009","2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","§15: PDF indices 309–310, printed pages 300–301. §27/approval: index 321, printed page 312","Evidence-backed reuse of prior selected P2 read. Fresh Oct. 26 route timed out; no false fresh-read claim. Added pre-cancellation survival and two-year action/inaction language. Not full volume or later-history audit. \nKansas Secretary of State\n+2"],["S_KS-P04-S010","Kansas OSBC, 2026 Administrative Interpretations: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Outline PDF page 1/index 0; bounded searches for “50-1119,” “credit services organization,” and “surety bond” returned no match","Fresh bounded check. Compilation concerns interpretations issued under a different statutory authority. No-match does not prove no unpublished order or other interpretation. \nKansas Bank Commissioner"],["S_KS-P04-S011","Kansas OSBC, 2026 Guidance Documents: https://osbckansas.gov/legal/guidance_2026.pdf","Outline PDF page 1/index 0; bounded searches for “50-1119” and “surety bond” returned no match","Fresh bounded check. Public outline contains no CSO bond guidance; no claim regarding unpublished guidance or license items. \nKansas Bank Commissioner"],["S_KS-P04-S012","Kansas Revisor, K.S.A. 60-206: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Subsection (a)(1), (a)(5), and definition of legal holiday","Freshly read Oct. 26. General time-computation statute; does not resolve notice-delivery method or current form terms. \nKansas Legislature"],["S_KS-P04-S013","Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Bond reference at printed page 6/PDF index 5; damages analysis printed pages 6–8/indices 5–7","Freshly checked selected bond/remedy passages; prior procedural limits preserved. Signed/filed Apr. 16, 2012, registration-era, default and unopposed supported summary judgment. Not a surety or bond-claim case. \nDistrict of Kansas Bankruptcy Court"],["S_KS-P04-S014","NMLS Checklist Compiler: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Dynamic public compiler located; Kansas CSO checklist not extracted through available public text","Fresh access attempt. Access limitation preserved; no account, API, automation, or workaround. \nNationwide Licensing System\n+1"]]},{"headers":["Claim ID","Precise assertion","Source IDs and pinpoints","Conditions, exceptions, consequences, and confidence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source IDs and pinpoints","Conditions, exceptions, consequences, and confidence"],["S_KS-P04-C001","Each Kansas CSO applicant or licensee must file a surety bond.","S001, 50-1119 opening clause; S002 PDF index 4/printed 4","High. Classification/exemption must first be established."],["S_KS-P04-C002","Bond trigger is entity/licensure based, not limited to custodial models.","S001, 50-1119; preserved P1 classification","High conditional conclusion; no model-specific bond amount."],["S_KS-P04-C003","The bond must be in a form acceptable to the Commissioner.","S001, 50-1119","High; exact current form not obtained."],["S_KS-P04-C004","Issuer must be a surety or insurance company authorized to conduct business in Kansas.","S001, 50-1119","High. Does not authorize ordinary insurance as substitute."],["S_KS-P04-C005","Principal is applicant/licensee; obligee is OSBC.","S001, 50-1119(a); S005 glossary","High."],["S_KS-P04-C006","Bond secures faithful performance of all licensee duties and obligations.","S001, 50-1119 opening clause","High. Exact agent/affiliate reach remains form-dependent."],["S_KS-P04-C007","Statutory bond amount is $25,000.","S001, 50-1119(e); S002 index 4/printed 4","High."],["S_KS-P04-C008","Increase is permitted only up to $1 million and is to be further defined by adopted rules and regulations.","S001, 50-1119(e)","High. Ceiling is not current amount."],["S_KS-P04-C009","No bond-increase formula appears in the current official Article 25 compilation.","S002 indices 20–21","High for compilation reviewed; not proof no other authority exists."],["S_KS-P04-C010","K.A.R. 17-25-1 establishes $400 initial and $150 renewal governmental fees, not bond amounts.","S002 index 21/printed regulation 1","High; prior P2 substance preserved."],["S_KS-P04-C011","No cash, LOC, CD, collateral, net-worth, self-insurance, or waiver substitution was verified.","S001, S002, S003, S010–S011","Bounded negative finding; confidential or later authority not ruled out."],["S_KS-P04-C012","No separate CSO fidelity, E&O, crime, cyber, or liability-insurance requirement was located.","S001–S003, S010–S011","Bounded public-source finding."],["S_KS-P04-C013","“Surety or insurance company” concerns issuer eligibility, not an alternative policy.","S001, 50-1119","High textual conclusion."],["S_KS-P04-C014","Failure to file and maintain the bond is a ground for denial, suspension, revocation, or nonrenewal after required process.","S001, 50-1127(b)","High."],["S_KS-P04-C015","No separate annual rebonding requirement or annual amount reset was found.","S001, 50-1118(d), 50-1127(b); S005–S006","High bounded conclusion; actual instrument may be continuous."],["S_KS-P04-C016","Cancellation requires 30 days’ prior written notice to Commissioner.","S001, 50-1119(b)","High. Delivery/receipt mechanics unresolved."],["S_KS-P04-C017","General Kansas computation counts intermediate weekends/holidays and addresses backward counting.","S012, 60-206(a)","High general rule; application to transmission/receipt remains held."],["S_KS-P04-C018","Cancellation does not extinguish liability for violations before its effective date.","S001, 50-1119(b)","High."],["S_KS-P04-C019","Principal and surety remain liable for two years from the action or inaction giving rise to claim.","S001, 50-1119(b)","High; not a complete limitations ruling."],["S_KS-P04-C020","Bond may not expire for two years after earliest license surrender, revocation, or expiration.","S001, 50-1119(c)","High; interaction with C019 unresolved."],["S_KS-P04-C021","Bond is available for Commissioner-levied expenses, fines, and fees.","S001, 50-1119(d)(1)","High."],["S_KS-P04-C022","Bond is available for Commissioner-determined consumer losses caused by Act noncompliance.","S001, 50-1119(d)(2)","High; claim procedure unresolved."],["S_KS-P04-C023","Statute does not expressly give consumer a direct surety claim or direct action.","S001; S013 limited case check","High bounded reading; common-law/form rights not resolved."],["S_KS-P04-C024","Private consumer remedy against the violator is separate and not expressly capped by bond.","S001, 50-1133; 50-1129; 50-1132","High."],["S_KS-P04-C025","Priority among agency and consumer claims is not specified.","S001, 50-1119(d)","High bounded reading."],["S_KS-P04-C026","Statute does not specify aggregate/per-claim treatment, exhaustion, replenishment, or annual reset.","S001","High bounded reading."],["S_KS-P04-C027","2020 reference specimen states aggregate liability cannot exceed penal sum.","S007 index 0","High specimen fact; current mandatory status unverified."],["S_KS-P04-C028","2020 specimen includes a 60-day payment instruction and additional agent/settlement/judgment terms.","S007 index 0","High specimen fact; not elevated to current law."],["S_KS-P04-C029","Kansas CSO license appears in NMLS ESB adoption table.","S004 index 3","High as of July 29, 2025 table."],["S_KS-P04-C030","Regulator creates bond form rendered in NMLS; current Kansas-rendered form was not extracted.","S005 index 132/printed 133; S014","High procedural fact and access limit."],["S_KS-P04-C031","NMLS supports riders, increases, cancellations, returns, voids, and replacement, subject to state law.","S006","High generic system fact; not Kansas substantive law."],["S_KS-P04-C032","Public Form CSO-2 is reference-only, privately hosted, and uses stale registration terminology.","S007 indices 0–1","High."],["S_KS-P04-C033","No bond-specific controlling case or public formal OSBC order was located in bounded searches.","S010–S011, S013, focused searches","Search-result statement only; full citator/order docket remains open."],["S_KS-P04-C034","Nazar mentioned bond obligation but did not decide a surety claim.","S013 printed page 6/index 5","High; procedural and historical limits preserved."],["S_KS-P04-C035","2004 enacted core amount/tail; 2017 added pre-cancellation survival and act/inaction clock.","S008 New §4; S009 §15","High for selected history; not full amendment audit."],["S_KS-P04-C036","One legal entity’s bond does not automatically establish affiliate or administrator coverage.","S001; S007 specimen limitation","High as statutory reading; current form and contracts required."],["S_KS-P04-C037","Public NMLS table is consistent with company-level, not branch, ESB treatment.","S004 index 3","Medium-high; does not decide separate legal entities."],["S_KS-P04-C038","Bond amount is not authority to charge consumer fees or collect federally premature fees.","S001; preserved P1/P2","High separation of legal layers."],["S_KS-P04-C039","No actual provider, surety, instrument, rider, cancellation, or claim status was established.","Scope limitation","High."],["S_KS-P04-C040","Bond recovery is not guaranteed merely because a valid loss exceeds zero.","C022–C027","High; procedure, priority, aggregate, issuer solvency, and available penal sum matter."]]},{"headers":["Security component","Status","Claims","Exact missing evidence or next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Security component","Status","Claims","Exact missing evidence or next action"],["Applicant/licensee bond trigger","Answered","C001–C002","Entity-specific classification still required"],["Custodial DMP bond","Answered conditionally","C002","Actual applicant facts"],["Noncustodial settlement bond","Answered conditionally","C002","Prior agreement architecture remains open"],["Credit-improvement model bond","Answered conditionally","C002","Actual representations and exemptions"],["Hybrid model","Answered","C002","No per-branch multiplier found"],["Nonprofit model","Answered conditionally","C002","No nonprofit exemption presumed"],["Attorney/law-firm model","Preserved conditional","—","Prior Hays/Williamson factual exemption analysis remains"],["Remote provider","Answered conditionally","C002","If required to license, same bond"],["Affiliate/administrator coverage","Unresolved","C036","Current form, agency contract, principal identity, and legal duties"],["Branch bond","Partial","C037","NMLS says branch bonds not accepted; separate-entity structure requires review"],["Principal","Answered","C005","Actual named principal not checked"],["Obligee","Answered","C005","OSBC"],["Issuer authorization","Answered at rule level","C004","Actual surety’s Kansas authority not checked"],["Faithful-performance scope","Answered at statute level","C006","Current form may contain additional terms"],["Agent conduct","Unresolved","C006, C028","Current official form required"],["Base amount","Answered","C007","$25,000"],["Maximum increase","Answered","C008","$1 million statutory ceiling"],["Increase formula","Unresolved/not located","C008–C009","Current adopted rule, order, or NMLS requirement needed"],["Per-volume formula","Not established","C009","No formula located"],["Per-consumer formula","Not established","C009","No formula located"],["First-year/renewal difference","Not established","C015","Current checklist or rule required"],["CPI/indexing","Not established","C009","No indexing text located"],["Government application/renewal fees","Separated","C010","Not bond amounts"],["Numeric net-worth requirement","Not established","C011","Financial review is qualitative in statute"],["Cash security alternative","Not established","C011","Operative alternative-security authority required"],["Letter of credit/CD alternative","Not established","C011","Same"],["Bond waiver","Not established","C011","Same"],["Fidelity insurance requirement","Not located","C012","Current order/checklist or policy requirement needed"],["E&O/general liability requirement","Not located","C012","Same"],["Current official bond form","Unresolved","C030, C032","Extract live NMLS-rendered Kansas form through authorized public route"],["Public paper form","Not linked by OSBC","C030","Current OSBC/NMLS artifact needed"],["2020 Form CSO-2","Read as specimen only","C027–C028, C032","Current authentication required"],["Bond rider forms","Unresolved","C031","Current Kansas rider templates or NMLS rendering"],["Power of attorney requirements","Unresolved","C030","Current checklist/form"],["NMLS ESB route","Answered","C029–C031","Does not establish substantive terms"],["Current Kansas checklist","Unresolved","C030","Public compiler did not expose it"],["Continuous maintenance","Answered","C014–C015","Exact instrument term remains unavailable"],["Annual rebonding","No rule located","C015","Current form/checklist could clarify"],["Cancellation notice","Answered at statute level","C016","30 days’ prior written notice"],["Day counting","Answered generally; application partial","C017","Delivery method and form practice unresolved"],["Consumer cancellation notice","Not required by reviewed statute","C016","Current form/order could add it"],["Principal cancellation notice","Specimen-only","C032","Current form needed"],["Pre-cancellation liability","Answered","C018–C019","Claim procedure remains"],["Post-license tail","Answered","C020","Clock interaction remains"],["Replacement grace period","Unresolved","C014, C031","No statutory grace found"],["Cancellation rescission","NMLS process identified","C031","Kansas acceptance requirements unresolved"],["Reduction in amount","Specimen/NMLS process only","C031–C032","Current Kansas rider and notice rule"],["Release by OSBC","Specimen-only","C032","Current authority/form needed"],["Consumer-loss coverage","Answered at statutory level","C022","Commissioner determination and claim protocol unresolved"],["Agency expenses/fines/fees","Answered","C021","Priority unresolved"],["Restitution against bond","Partial","C021–C022","Order-to-bond procedure needed"],["Direct consumer bond claim","Unresolved","C023","Current form, regulation, order, or controlling case"],["Direct surety lawsuit","Unresolved","C023","Same"],["Claim notice/proof","Unresolved","C023","Current form/claims instructions"],["Final judgment prerequisite","Not stated in statute","C022, C028","Current form/procedure needed"],["Aggregate cap","Specimen-only","C026–C027","Current accepted form required"],["Per-claim limit","Unresolved","C026","Same"],["Priority among claimants","Unresolved","C025","Formal rule/order/case"],["Exhaustion","Unresolved","C026","Same"],["Replenishment","Unresolved","C026","Same"],["Annual aggregate reset","Unresolved","C026","Same"],["Successive-bond stacking","Unresolved","C026","Instruments/case law required"],["Attorney fees/punitive damages under bond","Unresolved","C024","Current form and case law"],["Principal liability beyond penal sum","Answered","C024","Separate collection/remedies later"],["Surety solvency/guaranty association","Excluded/later","C040","Insurance and insolvency law pass"],["Bankruptcy priority","Excluded/later","C040","Bankruptcy and security analysis"],["Bond collateral release","Not applicable on verified law","C011","Private surety collateral contract not reviewed"],["Named provider bond","Not checked","C039","Legal name, NMLS ID, actual instrument needed"],["Named surety authority","Not checked","C039","Actual surety/NAIC record required"],["Published bond cases","No bond-specific holding located in bounded search","C033–C034","Full citator and administrative docket"],["2004 enactment","Answered selectively","C035","No full history audit"],["2017 amendment","Answered selectively","C035","No full later-amendment audit"],["Federal fee timing","Preserved, not rerun","C038","Bond never creates federal advance-fee exception"],["Consumer fee authority","Preserved, not rerun","C038","Penal sum is not fee permission"],["Trust/funds operations","Excluded from this pass","—","PASS-03 remains separately unreviewed by coordinator"],["Full agreements and enforceability","Excluded/later","—","Separate contract pass"],["Full remedies and limitations","Excluded except security boundary","—","Separate pass"],["Collections, garnishment, secured sectors","Excluded/later","—","Remain open"],["Local, tribal, and choice-of-law","Excluded/later","—","Remain open"],["Component/state/parent/A066 acceptance","Not evaluated","—","No acceptance follows from PASS-04"]]}],"claims":[{"claim_id":"S_KS-P04-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C001","Precise assertion":"Each Kansas CSO applicant or licensee must file a surety bond.","Source IDs and pinpoints":"S001, 50-1119 opening clause; S002 PDF index 4/printed 4","Conditions, exceptions, consequences, and confidence":"High. Classification/exemption must first be established."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C002","Precise assertion":"Bond trigger is entity/licensure based, not limited to custodial models.","Source IDs and pinpoints":"S001, 50-1119; preserved P1 classification","Conditions, exceptions, consequences, and confidence":"High conditional conclusion; no model-specific bond amount."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C003","Precise assertion":"The bond must be in a form acceptable to the Commissioner.","Source IDs and pinpoints":"S001, 50-1119","Conditions, exceptions, consequences, and confidence":"High; exact current form not obtained."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C004","Precise assertion":"Issuer must be a surety or insurance company authorized to conduct business in Kansas.","Source IDs and pinpoints":"S001, 50-1119","Conditions, exceptions, consequences, and confidence":"High. Does not authorize ordinary insurance as substitute."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C005","Precise assertion":"Principal is applicant/licensee; obligee is OSBC.","Source IDs and pinpoints":"S001, 50-1119(a); S005 glossary","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C006","Precise assertion":"Bond secures faithful performance of all licensee duties and obligations.","Source IDs and pinpoints":"S001, 50-1119 opening clause","Conditions, exceptions, consequences, and confidence":"High. Exact agent/affiliate reach remains form-dependent."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C007","Precise assertion":"Statutory bond amount is $25,000.","Source IDs and pinpoints":"S001, 50-1119(e); S002 index 4/printed 4","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C008","Precise assertion":"Increase is permitted only up to $1 million and is to be further defined by adopted rules and regulations.","Source IDs and pinpoints":"S001, 50-1119(e)","Conditions, exceptions, consequences, and confidence":"High. Ceiling is not current amount."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C009","Precise assertion":"No bond-increase formula appears in the current official Article 25 compilation.","Source IDs and pinpoints":"S002 indices 20–21","Conditions, exceptions, consequences, and confidence":"High for compilation reviewed; not proof no other authority exists."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C010","Precise assertion":"K.A.R. 17-25-1 establishes $400 initial and $150 renewal governmental fees, not bond amounts.","Source IDs and pinpoints":"S002 index 21/printed regulation 1","Conditions, exceptions, consequences, and confidence":"High; prior P2 substance preserved."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C011","Precise assertion":"No cash, LOC, CD, collateral, net-worth, self-insurance, or waiver substitution was verified.","Source IDs and pinpoints":"S001, S002, S003, S010–S011","Conditions, exceptions, consequences, and confidence":"Bounded negative finding; confidential or later authority not ruled out."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C012","Precise assertion":"No separate CSO fidelity, E&O, crime, cyber, or liability-insurance requirement was located.","Source IDs and pinpoints":"S001–S003, S010–S011","Conditions, exceptions, consequences, and confidence":"Bounded public-source finding."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C013","Precise assertion":"“Surety or insurance company” concerns issuer eligibility, not an alternative policy.","Source IDs and pinpoints":"S001, 50-1119","Conditions, exceptions, consequences, and confidence":"High textual conclusion."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C014","Precise assertion":"Failure to file and maintain the bond is a ground for denial, suspension, revocation, or nonrenewal after required process.","Source IDs and pinpoints":"S001, 50-1127(b)","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C015","Precise assertion":"No separate annual rebonding requirement or annual amount reset was found.","Source IDs and pinpoints":"S001, 50-1118(d), 50-1127(b); S005–S006","Conditions, exceptions, consequences, and confidence":"High bounded conclusion; actual instrument may be continuous."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C016","Precise assertion":"Cancellation requires 30 days’ prior written notice to Commissioner.","Source IDs and pinpoints":"S001, 50-1119(b)","Conditions, exceptions, consequences, and confidence":"High. Delivery/receipt mechanics unresolved."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C017","Precise assertion":"General Kansas computation counts intermediate weekends/holidays and addresses backward counting.","Source IDs and pinpoints":"S012, 60-206(a)","Conditions, exceptions, consequences, and confidence":"High general rule; application to transmission/receipt remains held."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C018","Precise assertion":"Cancellation does not extinguish liability for violations before its effective date.","Source IDs and pinpoints":"S001, 50-1119(b)","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C019","Precise assertion":"Principal and surety remain liable for two years from the action or inaction giving rise to claim.","Source IDs and pinpoints":"S001, 50-1119(b)","Conditions, exceptions, consequences, and confidence":"High; not a complete limitations ruling."},"coordinator_verification_status":"governed_by_accepted_bounded_P8patch_and_explicit_residual_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C020","Precise assertion":"Bond may not expire for two years after earliest license surrender, revocation, or expiration.","Source IDs and pinpoints":"S001, 50-1119(c)","Conditions, exceptions, consequences, and confidence":"High; interaction with C019 unresolved."},"coordinator_verification_status":"governed_by_accepted_bounded_P8patch_and_explicit_residual_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C021","Precise assertion":"Bond is available for Commissioner-levied expenses, fines, and fees.","Source IDs and pinpoints":"S001, 50-1119(d)(1)","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C022","Precise assertion":"Bond is available for Commissioner-determined consumer losses caused by Act noncompliance.","Source IDs and pinpoints":"S001, 50-1119(d)(2)","Conditions, exceptions, consequences, and confidence":"High; claim procedure unresolved."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C023","Precise assertion":"Statute does not expressly give consumer a direct surety claim or direct action.","Source IDs and pinpoints":"S001; S013 limited case check","Conditions, exceptions, consequences, and confidence":"High bounded reading; common-law/form rights not resolved."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C024","Precise assertion":"Private consumer remedy against the violator is separate and not expressly capped by bond.","Source IDs and pinpoints":"S001, 50-1133; 50-1129; 50-1132","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C025","Precise assertion":"Priority among agency and consumer claims is not specified.","Source IDs and pinpoints":"S001, 50-1119(d)","Conditions, exceptions, consequences, and confidence":"High bounded reading."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C026","Precise assertion":"Statute does not specify aggregate/per-claim treatment, exhaustion, replenishment, or annual reset.","Source IDs and pinpoints":"S001","Conditions, exceptions, consequences, and confidence":"High bounded reading."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C027","Precise assertion":"2020 reference specimen states aggregate liability cannot exceed penal sum.","Source IDs and pinpoints":"S007 index 0","Conditions, exceptions, consequences, and confidence":"High specimen fact; current mandatory status unverified."},"coordinator_verification_status":"secondary_historical_specimen_parsed_not_current_authenticated_form_timing_patch_required","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C028","Precise assertion":"2020 specimen includes a 60-day payment instruction and additional agent/settlement/judgment terms.","Source IDs and pinpoints":"S007 index 0","Conditions, exceptions, consequences, and confidence":"High specimen fact; not elevated to current law."},"coordinator_verification_status":"secondary_historical_specimen_parsed_not_current_authenticated_form_timing_patch_required","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C029","Precise assertion":"Kansas CSO license appears in NMLS ESB adoption table.","Source IDs and pinpoints":"S004 index 3","Conditions, exceptions, consequences, and confidence":"High as of July 29, 2025 table."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C030","Precise assertion":"Regulator creates bond form rendered in NMLS; current Kansas-rendered form was not extracted.","Source IDs and pinpoints":"S005 index 132/printed 133; S014","Conditions, exceptions, consequences, and confidence":"High procedural fact and access limit."},"coordinator_verification_status":"governed_by_accepted_bounded_P8patch_and_explicit_residual_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"coordinator_precision_note":"See four source/provenance issues in review; no current Kansas workflow or priorSec15access clearance.","correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C031","Precise assertion":"NMLS supports riders, increases, cancellations, returns, voids, and replacement, subject to state law.","Source IDs and pinpoints":"S006","Conditions, exceptions, consequences, and confidence":"High generic system fact; not Kansas substantive law."},"coordinator_verification_status":"governed_by_accepted_bounded_P8patch_and_explicit_residual_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"coordinator_precision_note":"See four source/provenance issues in review; no current Kansas workflow or priorSec15access clearance.","correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C032","Precise assertion":"Public Form CSO-2 is reference-only, privately hosted, and uses stale registration terminology.","Source IDs and pinpoints":"S007 indices 0–1","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"secondary_historical_specimen_parsed_not_current_authenticated_form_timing_patch_required","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C033","Precise assertion":"No bond-specific controlling case or public formal OSBC order was located in bounded searches.","Source IDs and pinpoints":"S010–S011, S013, focused searches","Conditions, exceptions, consequences, and confidence":"Search-result statement only; full citator/order docket remains open."},"coordinator_verification_status":"researcher_bounded_case_order_search_attributed_not_rerun_no_absence_conclusion","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C034","Precise assertion":"Nazar mentioned bond obligation but did not decide a surety claim.","Source IDs and pinpoints":"S013 printed page 6/index 5","Conditions, exceptions, consequences, and confidence":"High; procedural and historical limits preserved."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C035","Precise assertion":"2004 enacted core amount/tail; 2017 added pre-cancellation survival and act/inaction clock.","Source IDs and pinpoints":"S008 New §4; S009 §15","Conditions, exceptions, consequences, and confidence":"High for selected history; not full amendment audit."},"coordinator_verification_status":"governed_by_accepted_bounded_P8patch_and_explicit_residual_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"coordinator_precision_note":"See four source/provenance issues in review; no current Kansas workflow or priorSec15access clearance.","correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C036","Precise assertion":"One legal entity’s bond does not automatically establish affiliate or administrator coverage.","Source IDs and pinpoints":"S001; S007 specimen limitation","Conditions, exceptions, consequences, and confidence":"High as statutory reading; current form and contracts required."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C037","Precise assertion":"Public NMLS table is consistent with company-level, not branch, ESB treatment.","Source IDs and pinpoints":"S004 index 3","Conditions, exceptions, consequences, and confidence":"Medium-high; does not decide separate legal entities."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C038","Precise assertion":"Bond amount is not authority to charge consumer fees or collect federally premature fees.","Source IDs and pinpoints":"S001; preserved P1/P2","Conditions, exceptions, consequences, and confidence":"High separation of legal layers."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C039","Precise assertion":"No actual provider, surety, instrument, rider, cancellation, or claim status was established.","Source IDs and pinpoints":"Scope limitation","Conditions, exceptions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"claim_id":"S_KS-P04-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P04-C040","Precise assertion":"Bond recovery is not guaranteed merely because a valid loss exceeds zero.","Source IDs and pinpoints":"C022–C027","Conditions, exceptions, consequences, and confidence":"High; procedure, priority, aggregate, issuer solvency, and available penal sum matter."},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true}],"sources":[{"source_id":"S_KS-P04-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_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/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/"],"researcher_record":{"Source ID":"S_KS-P04-S001","Title / issuer / complete literal URL":"Kansas Revisor, selected current CSO statutes: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_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/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/","Exact operative clause or PDF locator":"Complete 50-1119; 50-1118(a)–(d); 50-1127(b); relevant 50-1128; 50-1129(a); complete 50-1132 and 50-1133","Version, access, status, and limitations":"Freshly read Oct. 26, 2026 Pacific. Official pages labeled 2026. Selected sections only, not complete Article 11 or amendment audit. Website timestamps are not legal effective dates. \nKansas Legislature\n+5"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S002","urls":["https://osbckansas.gov/legal/cso_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S002","Title / issuer / complete literal URL":"Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act: https://osbckansas.gov/legal/cso_2026.pdf","Exact operative clause or PDF locator":"Bond: PDF page 5, zero-based index 4, printed CSO Statutes–Page 4. Article 25 outline: PDF page 21/index 20. Full K.A.R. 17-25-1: PDF page 22/index 21, printed CSO Regulation–Page 1","Version, access, status, and limitations":"Freshly parsed and visually inspected relevant pages. File has 22 PDF pages, not 22 printed statute pages. Official agency compilation, not substitute for Revisor codification. Direct rules endpoint previously returned 405 and was not retried repeatedly. \nKansas Bank Commissioner\n+2"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S003","urls":["https://osbckansas.gov/consumer-mortgage-lending/applications-forms/"],"researcher_record":{"Source ID":"S_KS-P04-S003","Title / issuer / complete literal URL":"Kansas OSBC, Applications/Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","Exact operative clause or PDF locator":"CSO lines 134–162: NMLS route, past 2025 report/April 1, 2026 renewal instructions, listed supplemental forms","Version, access, status, and limitations":"Freshly read Oct. 26. Operational page, not bond text. No public bond/rider/claim form linked; past renewal cycle is not current checklist. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S004","urls":["https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S004","Title / issuer / complete literal URL":"NMLS, ESB Adoption Table: https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","Exact operative clause or PDF locator":"Kansas row: PDF page 4, zero-based index 3; no separate printed page number visible. Lists Credit Services Organization License; table header states branch bonds not accepted","Version, access, status, and limitations":"Updated July 29, 2025; freshly parsed and visually inspected. Establishes ESB adoption, not amount or form terms. \nNMLS Resource Center\n+1"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S005","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S005","Title / issuer / complete literal URL":"NMLS, Policy Guidebook for Licensees: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","Exact operative clause or PDF locator":"ESB chapter: PDF page 133, zero-based index 132, printed page 133. General limitation: PDF pages 6–7/indices 5–6/printed 6–7. Glossary: PDF pages 208–210/indices 207–209/printed 208–210","Version, access, status, and limitations":"Updated Aug. 15, 2026; fresh selected read and visual inspection. Expressly guidance-only and not a substitute for state law. \nNationwide Licensing System\n+2"},"coordinator_verification_status":"read_with_corrected_locator_conflict_history_and_specimen_limits_see_P8review","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S006","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html"],"researcher_record":{"Source ID":"S_KS-P04-S006","Title / issuer / complete literal URL":"NMLS operational ESB pages: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugSuretyComp/surety/suretyCompany/maps/topics/suretyComp_bonds_cancelReturnVoid.html","Exact operative clause or PDF locator":"Generic lifecycle, riders, increases, cancellation, return, void, replacement, and state-notice reminder","Version, access, status, and limitations":"Freshly read. System-operation evidence only; does not establish Kansas substantive terms. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"read_with_corrected_locator_conflict_history_and_specimen_limits_see_P8review","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S007","urls":["https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S007","Title / issuer / complete literal URL":"Private-hosted Form CSO-2 specimen: https://axcess-surety.com/wp-content/uploads/2022/03/State-of-Kansas-Office-of-the-State-Bank-Commissioner-Credit-Services-Organization.pdf","Exact operative clause or PDF locator":"PDF page 1/index 0 and PDF page 2/index 1; no printed page numbers shown. Form CSO-2, ESB Form Effective 07/01/2020","Version, access, status, and limitations":"Freshly parsed and visually inspected. Private host; explicitly reference-only; stale registration language; not authenticated as current mandatory form. \nAxcess Surety\n+2"},"coordinator_verification_status":"read_with_corrected_locator_conflict_history_and_specimen_limits_see_P8review","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S008","urls":["https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S008","Title / issuer / complete literal URL":"2004 Kansas Session Laws, ch. 22: https://www.kslegislature.gov/b2023_24/archive/historical/sessionlaws/2004/2004_O_SessionLaws_Chapter22.pdf","Exact operative clause or PDF locator":"New §4: PDF page 2/index 1; no printed page number visible in scan","Version, access, status, and limitations":"Historical primary enactment, freshly visually inspected. Used only for original bond architecture. Not complete act-history audit. \nKansas Legislature"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S009","urls":["https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S009","Title / issuer / complete literal URL":"2017 Kansas Session Laws, vol. 1, ch. 52: https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","Exact operative clause or PDF locator":"§15: PDF indices 309–310, printed pages 300–301. §27/approval: index 321, printed page 312","Version, access, status, and limitations":"Evidence-backed reuse of prior selected P2 read. Fresh Oct. 26 route timed out; no false fresh-read claim. Added pre-cancellation survival and two-year action/inaction language. Not full volume or later-history audit. \nKansas Secretary of State\n+2"},"coordinator_verification_status":"read_with_corrected_locator_conflict_history_and_specimen_limits_see_P8review","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S010","urls":["https://osbckansas.gov/legal/administrative_interpretations_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S010","Title / issuer / complete literal URL":"Kansas OSBC, 2026 Administrative Interpretations: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Exact operative clause or PDF locator":"Outline PDF page 1/index 0; bounded searches for “50-1119,” “credit services organization,” and “surety bond” returned no match","Version, access, status, and limitations":"Fresh bounded check. Compilation concerns interpretations issued under a different statutory authority. No-match does not prove no unpublished order or other interpretation. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S011","urls":["https://osbckansas.gov/legal/guidance_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S011","Title / issuer / complete literal URL":"Kansas OSBC, 2026 Guidance Documents: https://osbckansas.gov/legal/guidance_2026.pdf","Exact operative clause or PDF locator":"Outline PDF page 1/index 0; bounded searches for “50-1119” and “surety bond” returned no match","Version, access, status, and limitations":"Fresh bounded check. Public outline contains no CSO bond guidance; no claim regarding unpublished guidance or license items. \nKansas Bank Commissioner"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S012","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/"],"researcher_record":{"Source ID":"S_KS-P04-S012","Title / issuer / complete literal URL":"Kansas Revisor, K.S.A. 60-206: https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Exact operative clause or PDF locator":"Subsection (a)(1), (a)(5), and definition of legal holiday","Version, access, status, and limitations":"Freshly read Oct. 26. General time-computation statute; does not resolve notice-delivery method or current form terms. \nKansas Legislature"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S013","urls":["https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf"],"researcher_record":{"Source ID":"S_KS-P04-S013","Title / issuer / complete literal URL":"Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33: https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Exact operative clause or PDF locator":"Bond reference at printed page 6/PDF index 5; damages analysis printed pages 6–8/indices 5–7","Version, access, status, and limitations":"Freshly checked selected bond/remedy passages; prior procedural limits preserved. Signed/filed Apr. 16, 2012, registration-era, default and unopposed supported summary judgment. Not a surety or bond-claim case. \nDistrict of Kansas Bankruptcy Court"},"coordinator_verification_status":"checked_core_with_source_provenance_patch_and_explicit_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true},{"source_id":"S_KS-P04-S014","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"],"researcher_record":{"Source ID":"S_KS-P04-S014","Title / issuer / complete literal URL":"NMLS Checklist Compiler: https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Exact operative clause or PDF locator":"Dynamic public compiler located; Kansas CSO checklist not extracted through available public text","Version, access, status, and limitations":"Fresh access attempt. Access limitation preserved; no account, API, automation, or workaround. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"fresh_access_no_usable_body_current_checklist_held","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]","correction_artifact":"[internal evidence reference]","material_source_provenance_patch_resolved":true}],"coverage":[{"topic":"Applicant/licensee bond trigger","researcher_record":{"Security component":"Applicant/licensee bond trigger","Status":"Answered","Claims":"C001–C002","Exact missing evidence or next action":"Entity-specific classification still required"},"coordinator_acceptance":"checked_core_bounded_source_provenance_patch_resolved_all_other_security_workflow_currentness_and_actual_fact_holds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence 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