{"meta":{"key":"s_ks--pass-06","task":"S_KS","title":"Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations","parent_title":"Kansas debt and debt relief law","edition":"pass-06","path":"/research/s_ks--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":10,"claims":60,"sources":23,"review_status":"reviewed_with_targeted_corrections_resolved_remaining_holds","review_complete":true,"sha256":"a07fd07b92bdb77fb4edfabe683782f4066de9f056d9903eed6823adaef48671","headings":["Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations","A1. Model-by-remedy matrix","A2. Remedy-by-claimant matrix","B1. Operative rule","B2. Distinct legal effects","B3. Bona-fide-error boundary","C1. Licensing discipline under K.S.A. 50-1127","C2. Investigation and examination","C3. Formal remedial order under K.S.A. 50-1129","C4. Emergency order","C5. Complaint submission is not adjudication or tolling","D1. Injury and damages","D2. Punitive damages","D3. Injunction","D4. No general pre-suit notice or cure requirement found","E1. KCSOA violation becomes deceptive, not automatically unconscionable","E2. KCPA parties and transaction boundary","E3. Violation versus private aggrievement","E4. Private monetary remedy","E5. Violation unit","E6. Class actions","E7. Attorney fees","E8. Government enforcement and consent judgments","E9. Professional and regulated entities","E10. Protected consumers","F1. KCSOA criminal offense","F2. Separate debt-adjusting offense","F3. Registration/licensing mismatch","F4. Criminal sanctions and limitation","H1. Deadline matrix","H2. Private KCPA period","H3. KCPA accrual","H4. Direct KCSOA period","H5. Tolling provisions","H6. Government KCPA enforcement","H7. Administrative review","Example J1 — Unauthorized $1,000 charge, no bona-fide-error qualification","Example J2 — Accidental bona fide $200 processing mistake","Example J3 — Violation without private injury","Example J4 — Private KCPA damages versus penalty","Example J5 — OSBC ordinary and elder/disabled penalties","Example J6 — Direct KCSOA damages plus KCPA route","Example J7 — Custodial criminal model versus noncustodial model","Branch A — Custodial periodic model","Branch B — Noncustodial negotiation","Example J8 — KCPA accrual and separate later harm","Example J9 — Administrative appeal sequence","Example J10 — Punitive cap arithmetic","Example J11 — Attorney-connected noncustodial company","Example J12 — Potentially expired private claim but continuing government route","Actually read or inspected in PASS-06","Preserved rather than regenerated","Not read or not obtained","Method limits","PASS-06 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-06","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["provider-remedies","limitations-revival"]},"scope":"Exact reviewed P1 deferred remedies/enforcement and criminal-registration reconciliation; independent of unreviewed P3/P4/P5.","pending_corrections":0},"markdown":"# SettleADebt.com — S_KS, PASS-06\n\n## Kansas credit-services/debt-adjusting enforcement, private remedies, and remedy-specific limitations\n\n**Fresh research date:** October 26, 2026, Pacific (America/Los_Angeles) / October 26, 2026, UTC\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Continuation in this original authorized Chat by the same project workflow; **not an independent review**\n**Component boundary:** Kansas Credit Services Organization Act enforcement, the separate debt-adjusting crime, KCPA interaction, private remedies, remedy-specific limitations, and administrative review.\n\nPASS-01 and PASS-02 remain preserved. PASS-03 funds, PASS-04 security, and PASS-05 agreements are saved but unreviewed by the coordinator; none of their new conclusions is treated here as an accepted premise. This pass independently read the controlling remedy provisions needed for its findings.\n\n# Executive determination\n\nKansas does not provide one omnibus “debt-settlement penalty.” It supplies several separate enforcement and recovery routes with different actors, predicates, purposes, units, and deadlines:\n\n1. **K.S.A. 50-1126(e)** imposes a contract-specific consequence for an unauthorized fee, charge, fund, or payment: absent an accidental and bona fide error, the agreement becomes void and the unauthorized amount must be returned.\n2. **OSBC licensing discipline** under K.S.A. 50-1127 can deny, suspend, revoke, or refuse renewal on enumerated grounds after notice and an opportunity for a KAPA hearing.\n3. **OSBC remedial orders** under K.S.A. 50-1129 may impose cease-and-desist relief, fines, restitution **or** disgorgement, interest, affirmative action, and a future licensing bar.\n4. **KCSOA criminal liability** under K.S.A. 50-1131 makes a violation of the Act or its rules a class B nonperson misdemeanor upon conviction.\n5. **Direct private KCSOA relief** under K.S.A. 50-1133 is available to a consumer injured by a violation; the award cannot be less than the amount paid to the CSO plus reasonable attorney fees and court costs, and punitive damages may also be awarded.\n6. **KCPA crossover** under K.S.A. 50-1132 makes every KCSOA violation a deceptive KCPA act, but a private KCPA claimant must still be an “aggrieved” consumer with the necessary causal connection. Government KCPA enforcement does not require an aggrieved consumer.\n7. **Injunctive enforcement** under K.S.A. 50-1134 is separately available to OSBC, the Attorney General, county or district attorneys, and a consumer. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\nThese routes are cumulative in the sense that the KCSOA says its remedies are additional to KCPA remedies. They are **not automatically additive dollar-for-dollar**. A returned unauthorized charge, compensatory damages, a KCPA alternative civil penalty, OSBC restitution, an administrative fine, punitive damages, and a criminal fine serve different purposes. The statutes do not authorize counting the same $1 of consumer loss twice merely because two causes of action exist. *Nazar* awarded direct KCSOA damages, two KCPA civil penalties, fees, and costs on its particular uncontested record, but it does not establish a universal stacking formula or violation unit. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/)\n\nK.S.A. 50-1126(e)’s accidental-and-bona-fide-error qualification is narrow and text-specific. The statute supplies no general provider cure period, no amount of time in which the provider can retroactively validate an unauthorized charge, and no express burden-allocation rule. If the qualification applies, the automatic subsection (e) void-and-return consequence is not established; that does not necessarily make the underlying charge lawful or eliminate another KCSOA, KCPA, administrative, criminal, or contractual theory. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\nThe Kansas Consumer Protection Act creates another critical split. A KCSOA violation is automatically classified as a deceptive KCPA act, but a private consumer must still be “aggrieved” by the violation. Kansas Supreme Court authority requires legal injury and a causal connection; measurable monetary loss is not always necessary, and reliance is evidence that can establish causation rather than a universal element stated for every KCPA violation. Government enforcement may proceed without an aggrieved consumer. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/)\n\nThe private KCPA monetary remedy is **damages or a court-set civil penalty, whichever is greater**, not both for the same private KCPA claim. The current ceiling is $10,000 for each legally established violation, but the number of violations is not mechanically equal to the number of debts, payments, contract clauses, billing entries, or consumers. *Via Christi* treated a single aggregate bill and lien arising from one hospital stay as one transaction rather than hundreds of transactions. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\nKansas has **two separate criminal provisions** relevant here:\n\n- K.S.A. 50-1131 criminalizes violations of the KCSOA or its regulations.\n- K.S.A. 21-6502 separately defines “debt adjusting” much more narrowly as knowingly operating contracts under which debtors periodically pay money to the adjuster, who distributes it among specified creditors for consideration.\n\nThe second offense does not automatically cover a genuinely noncustodial negotiation model. It retains an exception for a person “registered” under the KCSOA, even though the civil Act changed to “license/licensee” in 2017. The 2017 amendment did not amend K.S.A. 21-6502. No current published Kansas decision, Attorney General opinion, or public OSBC interpretation resolving that mismatch was located. A modern CSO license therefore cannot simply be relabeled “registration” in this research, but neither does this pass conclude that every licensed custodial CSO is criminally prohibited. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/)\n\nThere is no universal Kansas limitations period for this component:\n\n- Private KCPA damages/alternative-penalty actions use the three-year period for statutory liabilities.\n- A KCPA claim ordinarily accrues when legal harm makes the consumer aggrieved, not when the consumer later discovers the problem.\n- A direct K.S.A. 50-1133 damages action is best classified under the same three-year statutory-liability provision, but no controlling KCSOA-specific limitations holding was located; that conclusion remains an evidence-based inference.\n- The standalone limitations treatment for K.S.A. 50-1126(e) voidness and return is unresolved.\n- Default criminal prosecution time is five years, subject to statutory exclusions and offense-completion rules.\n- Judicial review of a final OSBC order generally requires a petition within 30 days after service, subject to reconsideration and service rules.\n- The two-year bond-liability and tail language does not, by itself, establish a two-year filing deadline for every bond or KCSOA claim. [Justia Law+5](https://law.justia.com/cases/kansas/supreme-court/2000/83604.html)\n\n# A. Enforcement and remedy architecture\n\n## A1. Model-by-remedy matrix\n\n| Business model or status | KCSOA civil/administrative exposure | Direct private remedy | Separate criminal boundary | Important conditions |\n| --- | --- | --- | --- | --- |\n| **Custodial DMP receiving periodic consumer money for creditor distribution** | Covered if serving a Kansas-resident individual and no exemption applies; OSBC licensing and remedy provisions apply | Injured consumer may proceed under K.S.A. 50-1133; KCPA crossover also applies | Potentially within both K.S.A. 50-1131 and the narrower K.S.A. 21-6502 | The “registered” exception in §21-6502 remains unresolved after civil licensing amendments |\n| **Noncustodial debt-settlement negotiation** | Can be covered by K.S.A. 50-1117(d)(3) even if provider does not distribute consumer principal | Same conditional private routes if consumer injury and other predicates are shown | Not automatically §21-6502 because that offense requires periodic payments to the adjuster for creditor distribution | Agreement architecture, actual money flows, and covered services remain fact-specific |\n| **Credit-improvement/credit-services model** | Can be covered under K.S.A. 50-1117(d)(2) | Same conditional KCSOA/KCPA routes | §21-6502 generally does not fit merely because credit improvement is offered | Actual representations and federal overlap remain separate |\n| **Hybrid custody, negotiation, and credit-improvement model** | Multiple functional branches may apply, but remedies do not multiply solely because several definitions are met | Injury, causation, and remedy-specific proof remain required | Custodial branch may implicate §21-6502; other branches do not automatically do so | No per-branch automatic penalty multiplier |\n| **Nonprofit provider** | “Person” includes nonprofit entities | Same if covered and consumer injured | No nonprofit exception appears in §21-6502 | Nonprofit status alone proves neither exemption nor liability |\n| **Remote provider serving Kansas resident** | Physical Kansas office is not required by the civil coverage language | Same conditional routes | Criminal jurisdiction and offense facts require separate analysis | Remote label does not establish or defeat nexus |\n| **Kansas attorney acting within actual course and scope of Kansas practice and qualifying firm** | May fall within K.S.A. 50-1116(b) exemption | KCSOA route may be unavailable if exemption is proven; KCPA may still apply to attorneys selling legal services | §21-6502 separately exempts debt adjusting incidental to lawful Kansas law practice | Signature, ownership, attorney affiliation, or “law firm” name is insufficient by itself |\n| **Affiliate, administrator, processor, or lead source** | No exemption or liability transfers automatically from another entity | Defendant status depends on the actual person’s conduct and statutory relationship | Separate entity and conduct must satisfy offense elements | Agency, control, compensation, and receipt facts remain essential |\n| **Entity borrower or non-Kansas individual** | Not a KCSOA “consumer” under the resident-individual definition | Direct §50-1133 standing is not established merely from that status | Criminal statutes do not use the same consumer definition | KCPA definitions are broader and must be analyzed independently |\n\nKCSOA “consumer” means an individual Kansas resident, while KCPA “consumer” includes an individual, spouses, sole proprietor, or family partnership acquiring property or services for personal, family, household, business, or agricultural purposes. The definitions must not be merged. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/)\n\n## A2. Remedy-by-claimant matrix\n\n| Route | Enforcer or claimant | Required defendant/status | Essential predicate | Available consequence | What is **not** automatic |\n| --- | --- | --- | --- | --- | --- |\n| **K.S.A. 50-1126(e)** | Statutory obligation; private enforcement vehicle depends on claim asserted | Licensee/provider that received unauthorized fee, charge, fund, or payment | Unauthorized amount; no accidental-and-bona-fide error | Agreement void; unauthorized amount returned | Private damages, KCPA penalty, punitive damages, or criminal liability |\n| **K.S.A. 50-1127 discipline** | State Bank Commissioner | Applicant/licensee | One enumerated disciplinary ground; notice and KAPA hearing opportunity | Denial, suspension, revocation, or refusal to renew | Revocation for every single technical violation |\n| **K.S.A. 50-1128 supervision** | Commissioner/OSBC | Licensee or other relevant person | Investigation, examination, deceptive/dishonest/violative or harmful conduct, record demands, or other statutory trigger | Investigation, examination, subpoenas, supervisory directions, settlements, trust-fund seizure/distribution | Consumer damages judgment |\n| **K.S.A. 50-1129 order** | Commissioner | Any person engaged, engaging, or about to engage in a violation | Commissioner determination after notice and opportunity for KAPA hearing, except emergency route | Cease-and-desist, fines, restitution **or** disgorgement, interest, affirmative action, licensing bar | Every listed remedy in every case or maximum fine automatically |\n| **Emergency OSBC order** | Commissioner | Person subject to threatened or ongoing violation | Written findings that delay will irreparably harm public interest | Immediate cease-and-desist pending requested or commissioner-ordered hearing | Final merits judgment without later procedure |\n| **K.S.A. 50-1131 crime** | State prosecutor | Any person violating Act or regulations | Criminal proof of violation plus applicable criminal culpability principles | Class B nonperson misdemeanor conviction | Civil liability automatically proving guilt |\n| **K.S.A. 50-1133 damages** | Consumer injured by violation | Violating CSO/person within the Act | Coverage, violation, injury, causation | Damages floor, reasonable fees/costs, possible punitive damages | Recovery by an uninjured consumer or punitive damages merely from violation |\n| **K.S.A. 50-1134 injunction** | Commissioner, AG, county/district attorney, or consumer | Person committing or threatening violation | Statutory violation and applicable equitable/standing requirements | Injunction | Monetary recovery under this section alone |\n| **KCPA private §50-634** | Aggrieved KCPA consumer | Supplier in consumer transaction | KCPA violation plus aggrievement/causal injury | Declaratory/injunctive relief; damages **or** civil penalty, whichever greater; discretionary fees | Both private damages and alternative KCPA penalty for same claim |\n| **KCPA government §50-632** | AG, county attorney, district attorney | Supplier | KCPA violation or threatened violation | Declaration, injunction, consumer compensation, restitution through consent judgment, receiver/sequestration, licensing/business restrictions, penalties, expenses | Aggrieved private consumer as a required party |\n| **Separate debt-adjusting crime §21-6502** | State prosecutor | Person knowingly operating specified periodic-payment/distribution business | Every narrow offense element; no applicable exception | Class B misdemeanor | Coverage of every noncustodial negotiator or neutral counselor |\n\n# B. K.S.A. 50-1126(e): unauthorized-payment consequence\n\n## B1. Operative rule\n\nWhen a licensee receives a fee, charge, fund, or payment that is not authorized by K.S.A. 50-1126 or a valid Commissioner rule:\n\n- The agreement is void.\n- The unauthorized amount must be returned.\n- The stated exception is where the unauthorized receipt resulted from an **accidental and bona fide error**. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\nThe provision does not require the consumer to prove punitive intent, knowledge, reliance, or a particular dollar loss beyond identifying the unauthorized amount. It also does not itself say who bears the burden of establishing the accidental-and-bona-fide-error qualification, what evidence is sufficient, or whether repayment after discovery cures the original violation.\n\n## B2. Distinct legal effects\n\n| Question | PASS-06 result |\n| --- | --- |\n| Does the subsection direct return of the unauthorized amount? | **Yes**, absent accidental bona fide error |\n| Does it make the whole agreement void? | **Yes**, under its express text when the exception does not apply |\n| Does the section itself award attorney fees? | **No** |\n| Does it itself award punitive damages? | **No** |\n| Does it create a stated standalone private cause of action? | **Not expressly**; a consumer may use the direct KCSOA, KCPA, declaratory, injunctive, or other legally available route, but each has its own predicates |\n| Does later repayment necessarily erase the violation? | **Not stated** |\n| Does accidental bona fide error make the charge affirmatively lawful? | **Not stated** |\n| Is there a general provider cure period? | **No such period was located** |\n| Is all money paid under the agreement automatically the “unauthorized amount”? | **No**; the amount must be classified |\n| Is the statutory return necessarily additional to the same dollar recovered as compensatory damages? | **No automatic duplicate recovery is established** |\n\nThe mandatory return is conceptually restitutionary. Direct KCSOA damages under §50-1133, a private KCPA alternative penalty, OSBC restitution, an administrative fine, punitive damages, and criminal punishment require separate statutory analysis.\n\n## B3. Bona-fide-error boundary\n\nThe qualification requires both an accidental error and bona fides. A provider’s assertion that the charge was a mistake is not self-proving. At the same time, no current published Kansas decision was located construing:\n\n- The burden of proof.\n- Whether maintenance of reasonable procedures is necessary.\n- Whether a legal mistake can qualify.\n- Whether an arithmetic or processor error qualifies.\n- Whether prompt refund is necessary or sufficient.\n- Whether the agreement remains enforceable after an excepted error.\n- Whether the exception applies only to the void/return consequence or also affects KCPA classification.\n\nThose issues remain held.\n\n# C. OSBC administrative enforcement\n\n## C1. Licensing discipline under K.S.A. 50-1127\n\nAfter notice and an opportunity for a KAPA hearing, the Commissioner may deny, suspend, revoke, or refuse to renew a license for enumerated grounds, including:\n\n- Repeated or willful violation of the Act or a valid rule/order.\n- Failure to file or maintain the required bond.\n- Insolvency.\n- Material false statements or omissions in filings.\n- Specified criminal convictions.\n- Records insufficient for a satisfactory audit.\n- Discipline by another regulator.\n- A final civil judgment indicating that continued operation would be contrary to the public interest.\n- Deceptive business practices.\n- Facts that would have supported denial.\n- Refusal to provide information requested by the Commissioner. [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“Repeated or willful” modifies that particular violation ground. It does not rewrite the other independent grounds. Conversely, a single nonwillful technical violation does not automatically equal mandatory revocation merely because the Act was violated.\n\n## C2. Investigation and examination\n\nK.S.A. 50-1128 authorizes OSBC to investigate and examine operations, obtain access to relevant records, assess examination costs, compel sworn information, issue subpoenas, share information under prescribed conditions, settle matters, require consumer education, use NMLS, and seize and distribute trust-account funds to protect consumers and the public. Subpoena enforcement may be sought in district court; compelled testimony receives the statute’s stated immunity except for perjury. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/)\n\nAn informal confidential action plan under K.S.A. 50-1128(o):\n\n- Is not an agency action under KAPA or KJRA.\n- Is confidential and privileged.\n- Is not subject to subpoena or discovery.\n- Is not admissible in a private civil action. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/)\n\nThat means a private plaintiff cannot treat the mere existence of a confidential action plan as admissible proof of liability.\n\n## C3. Formal remedial order under K.S.A. 50-1129\n\nAfter notice and an opportunity for a KAPA hearing, the Commissioner may order one or more of the following:\n\n- Cease and desist.\n- Fine up to **$10,000 per incident**.\n- Additional penalty up to **$10,000 for each violation** committed against an elder or disabled person as defined in K.S.A. 50-676.\n- Restitution for loss **or** disgorgement of profits.\n- Interest up to **8% per annum** from the violation date.\n- Affirmative action to carry out the Act’s purposes.\n- A bar on later application for licensure. [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 statute uses different units—“per incident” for the ordinary fine and “for each such violation” for the elder/disabled enhancement. It does not define an incident as each debt, fee draft, telephone call, consumer, month, contract provision, or statutory subsection. The unit must be established from the actual conduct, findings, and order.\n\nThe statute’s restitution/disgorgement clause is phrased in the alternative. It does not establish automatic simultaneous restitution and disgorgement of the same economic amount. Interest is discretionary and capped, not fixed at 8%.\n\n## C4. Emergency order\n\nThe Commissioner may issue an emergency cease-and-desist order after written findings that delay would irreparably harm the public interest. The person must be promptly told of the order, reasons, and right to request a hearing. If requested, or if the Commissioner independently orders one, a KAPA hearing follows; if neither occurs, the emergency order remains until modified or vacated. The provision supplies no express deadline for submitting the written hearing request. [Kansas Legislature+1](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## C5. Complaint submission is not adjudication or tolling\n\nOSBC’s public complaint route asks for the form and supporting contracts, statements, receipts, and correspondence. Its process can support regulatory review, but filing a complaint is not a civil judgment, does not itself rescind a contract, is not identified as a prerequisite to a private KCSOA/KCPA action, and has no verified tolling effect on a private limitations period. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-complaint-form/)\n\n# D. Direct private KCSOA remedies\n\n## D1. Injury and damages\n\nK.S.A. 50-1133 permits **a consumer injured by a violation** to sue for damages. The statute therefore requires more than the abstract existence of a violation for private monetary recovery. It does not expressly state a separate reliance, knowledge, or intent element, but “injured by” requires a causal connection between the violation and the asserted injury. [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\nIf liability and injury are established:\n\n- The damages award cannot be less than the amount the consumer paid to the CSO.\n- Reasonable attorney fees and court costs are also included in the statutory minimum formulation.\n- Punitive damages may additionally be awarded. [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\nThe “amount paid” floor is not necessarily the same as:\n\n- The precise unauthorized amount under §50-1126(e).\n- Actual consequential damages.\n- Consumer principal sent to creditors.\n- Funds still held in a separate account.\n- A KCPA civil penalty.\n- OSBC restitution.\n- A criminal fine.\n\nEach amount needs classification.\n\n## D2. Punitive damages\n\nK.S.A. 50-1133(b) says punitive damages “may” be awarded; it does not make them automatic. Kansas’s generally applicable punitive-damages statute requires clear and convincing proof of willful conduct, wanton conduct, fraud, or malice, uses a separate amount proceeding, restricts principal/entity liability for an agent’s acts absent authorization or ratification, and imposes statutory caps subject to its net-worth and profit provisions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/)\n\nThe ordinary cap is the lesser of:\n\n- The defendant’s highest annual gross income during the five years before the act; or\n- $5 million.\n\nIf that is clearly inadequate, the court may award up to 50% of net worth. If the misconduct’s profitability exceeds the ordinary cap, the alternative cap is 1.5 times the gained or expected profit. No current KCSOA appellate decision was located resolving every interaction between §50-1133(b) and K.S.A. 60-3702.\n\n## D3. Injunction\n\nK.S.A. 50-1134 authorizes the Commissioner, Attorney General, county or district attorney, or a consumer to sue in district court to enjoin a violation. Unlike §50-1133, its text does not repeat the phrase “consumer injured by.” Ordinary constitutional standing, ripeness, and equitable requirements still apply; the statute is not a damages provision. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/)\n\n## D4. No general pre-suit notice or cure requirement found\n\nThe reviewed KCSOA private-remedy sections do not impose:\n\n- A demand letter.\n- A notice-and-cure period.\n- An OSBC complaint prerequisite.\n- Administrative exhaustion before an ordinary consumer damages suit.\n- A requirement that the provider first refuse a refund.\n\nAdministrative exhaustion is required when a person is challenging OSBC agency action or seeking judicial resolution of an issue committed initially to OSBC, as *Consumer Law Associates v. Stork* illustrates. That rule does not convert every private consumer claim into an administrative appeal. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html)\n\n# E. Kansas Consumer Protection Act interaction\n\n## E1. KCSOA violation becomes deceptive, not automatically unconscionable\n\nK.S.A. 50-1132 declares every KCSOA or KCSOA-rule violation a deceptive KCPA act or practice. Separate unconscionability still requires analysis under K.S.A. 50-627, which makes unconscionability a court question and lists circumstances the supplier knew or had reason to know. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/)\n\nA violation can therefore be:\n\n- A KCSOA violation.\n- A statutorily declared KCPA deceptive act.\n- Potentially also unconscionable if the separate standard is met.\n\nThose labels do not automatically produce three separate monetary recoveries.\n\n## E2. KCPA parties and transaction boundary\n\nKCPA’s definition of consumer differs from KCSOA’s. It includes an individual, husband and wife, sole proprietor, or family partnership acquiring property or services for personal, family, household, business, or agricultural purposes. A consumer transaction includes a disposition for value in Kansas or a supplier’s solicitation concerning one. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/)\n\nConsequently:\n\n- A sole proprietor may fit KCPA even where an entity would not fit KCSOA’s Kansas-resident-individual definition.\n- A corporation is not automatically a KCPA consumer.\n- A Kansas-resident individual can have a direct KCSOA route even though the KCPA transaction analysis must still be completed.\n- “Business purpose” is not a universal exclusion from KCPA.\n\n## E3. Violation versus private aggrievement\n\nK.S.A. 50-626 says listed deceptive acts are violations whether or not a consumer was actually misled. That establishes the violation side of the analysis; it does not eliminate the private-remedy requirement that the claimant be aggrieved. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/)\n\nUnder *Finstad*:\n\n- A private consumer must show loss or injury resulting from the violation.\n- A causal link remains required.\n- Government enforcement does not depend on an aggrieved consumer. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html)\n\nUnder *Via Christi*:\n\n- Measurable monetary damage is not always required.\n- A direct negative effect on a legal or economic right can be enough. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/2013/101690.html)\n\nReliance is therefore not a universal statutory element for every deceptive act, but it can be the factual mechanism proving causation in a misrepresentation case.\n\n## E4. Private monetary remedy\n\nAn aggrieved consumer may recover:\n\nPlain text\n```\nPrivate KCPA monetary award\n= greater of:\n    proved damages\n    OR\n    court-set civil penalty under K.S.A. 50-636(a)\n```\n\nThe statute does not permit the consumer to add both numbers together for the same private KCPA claim. The civil penalty may be set up to $10,000 for each legally established violation. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\nThe court, not the claimant, sets the penalty. A maximum of $10,000 is not an automatic award.\n\n## E5. Violation unit\n\nK.S.A. 50-636(a) uses “each violation.” It does not define each debt, payment, clause, sales call, or month as a separate violation. K.S.A. 50-636(d) supplies a specific daily unit only for continuing conduct that is not connected to a specifically identifiable consumer transaction. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/)\n\n*Via Christi* held that filing and enforcing one lien supported by one aggregate bill for one hospital stay was one transaction, not hundreds of transactions based on individual billing entries. The case does not establish that every CSO relationship is one violation, but it rejects automatic multiplication without a legally supported unit. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2013/101690.html)\n\n## E6. Class actions\n\nKCPA private damages or alternative civil penalties under §50-634(b) are not available as a class action. Class declaratory and injunctive relief is allowed. Class damages are available only through the narrower conditions in §50-634(d), including specifically proscribed conduct or specified prior final judgments or consent judgments. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\nA KCSOA violation’s statutory classification as deceptive does not, by itself, resolve all §50-634(d) class prerequisites.\n\n## E7. Attorney fees\n\nUnder KCPA, the court may award reasonable attorney fees to a prevailing consumer when the supplier committed a violation and the action ends by judgment or settlement. A prevailing supplier may receive fees only when the consumer brought or maintained an action the consumer knew was groundless. KCPA fee-shifting is discretionary; it differs from the direct KCSOA damages-floor language. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\n## E8. Government enforcement and consent judgments\n\nThe Attorney General or a county or district attorney may seek declaratory and injunctive relief, consumer damages, investigative expenses, receivership or sequestration, business or licensing restrictions, civil penalties, and other appropriate relief. A consent judgment may provide restitution and specific performance, but it does not constitute an admission unless its terms say so, and it becomes effective only after district-court approval. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/)\n\nA nonconsent final judgment in favor of the Attorney General can be prima facie evidence in a later private case against the same supplier or one in privity. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\n## E9. Professional and regulated entities\n\nKCPA’s current application section contains a limited information-disseminator protection and a narrow restriction on private medical-negligence personal-injury or death claims. It does not contain a blanket exemption for licensed professionals, banks, attorneys, nonprofits, or otherwise regulated businesses. The supplier bears the burden of showing the applicability of that section. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/)\n\n*Hays* held that KCPA applies to attorneys selling legal services to consumers, while also recognizing the Kansas Supreme Court’s exclusive constitutional authority to restrict or restrain an attorney’s law license. Thus, an attorney is not categorically immune from KCPA damages or other compatible remedies, but an administrative or statutory remedy that intrudes on attorney-license regulation presents a separate constitutional boundary. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html)\n\n## E10. Protected consumers\n\nKCPA “protected consumer” includes an elder person, disabled person, veteran, surviving spouse of a veteran, armed-forces member, and immediate family member of an armed-forces member. An additional civil penalty of up to $10,000 per violation may be imposed, and a protected consumer suffering damage or injury has a cause of action for actual damages, punitive damages if appropriate, and reasonable attorney fees; restitution has priority over the enhanced civil penalty. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/)\n\nBy contrast, the enhanced administrative penalty in K.S.A. 50-1129(a)(3) references only **elder or disabled persons** as defined in K.S.A. 50-676. It does not textually incorporate every KCPA protected-consumer category. [Kansas Legislature+1](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# F. Criminal provisions and registration/licensing reconciliation\n\n## F1. KCSOA criminal offense\n\nK.S.A. 50-1131 provides that any person violating the KCSOA or a valid regulation, upon conviction, commits a class B nonperson misdemeanor. The provision does not state its own mental-state language. Kansas’s general criminal code makes a culpable mental state an essential element unless otherwise provided and recognizes intentional, knowing, and reckless culpability. No KCSOA-specific appellate decision was located fixing the precise culpability formulation for every type of §50-1131 violation. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/)\n\n## F2. Separate debt-adjusting offense\n\nK.S.A. 21-6502 requires proof that the defendant:\n\n1. **Knowingly** engaged in the business.\n2. Made express or implied contracts with debtors.\n3. Required debtors to pay a certain amount periodically to the defendant.\n4. For consideration.\n5. Distributed that money among specified creditors. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/)\n\nThis definition is narrower than KCSOA’s three functional branches. Mere creditor negotiation, credit improvement, neutral education, or consumer-owned savings does not by itself establish the offense.\n\nThe section excludes:\n\n- Debt adjusting incidental to lawful practice of law in Kansas.\n- A person “registered” as a CSO under the KCSOA. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/)\n\nThe law-practice wording is not identical to K.S.A. 50-1116(b). Actual lawful practice and the relationship between attorney and entity remain factual.\n\n## F3. Registration/licensing mismatch\n\nThe “registered” wording was carried into the recodified criminal statute in 2010. In 2017, Kansas amended the civil KCSOA from registration terminology to licensing terminology but did not list K.S.A. 21-6502 among the amended sections. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf)\n\nNo reviewed authority establishes one of the following propositions conclusively:\n\n- Every current KCSOA licensee qualifies as a person “registered” for §21-6502(c).\n- No current licensee can qualify for the exception.\n- The criminal exception was impliedly repealed.\n- A court must mechanically substitute “licensed” for “registered.”\n- OSBC licensing is irrelevant to criminal exposure.\n\nThe mismatch remains a material legal hold. Provider labels, a website claim of licensing, a related entity’s license, or an attorney affiliation are not enough.\n\n## F4. Criminal sanctions and limitation\n\nA class B nonperson misdemeanor carries up to six months in county jail. The general fine is up to $1,000, but Kansas permits an alternative greater fine up to twice the offender’s pecuniary gain. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/)\n\nFor an offense not subject to a special period, prosecution must ordinarily begin within five years after commission. Statutory periods exclude certain intervals involving absence, concealment, or pending prosecution. An offense is completed when all elements occur unless a legislative purpose for a continuing offense plainly appears; time begins the next day. Prosecution commences through the statutory complaint/information or indictment-and-warrant process, subject to the unreasonable-delay qualification. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/)\n\nNo categorical conclusion is supplied that each periodic payment is a separate crime or that the offense is necessarily continuing.\n\n# G. Amount, unit, and status table\n\n| Remedy or sanction | Formula or ceiling | Unit | Mandatory or discretionary | Principal limits |\n| --- | --- | --- | --- | --- |\n| **K.S.A. 50-1126(e) return** | Exact unauthorized fee, charge, fund, or payment | Unauthorized amount | Mandatory if subsection applies and no accidental bona fide error | Not automatically all money paid |\n| **Direct KCSOA damages floor** | Not less than amount paid to CSO + reasonable fees/costs | Consumer/action | Mandatory floor after injury and liability established | Same paid dollar should not be assumed recoverable twice |\n| **KCSOA punitive damages** | Subject to applicable punitive-damages framework | Award | Discretionary | Clear and convincing culpability; statutory caps |\n| **OSBC ordinary fine** | Up to $10,000 | Per incident | Discretionary | “Incident” not statutorily defined |\n| **OSBC elder/disabled enhancement** | Additional up to $10,000 | Each violation | Discretionary | Elder or disabled only under cross-reference |\n| **OSBC restitution** | Proven loss | Order | Discretionary | Alternative wording with disgorgement |\n| **OSBC disgorgement** | Proven profit | Order | Discretionary | Alternative wording with restitution |\n| **OSBC interest** | Up to 8% per year from violation | Time/value | Discretionary | Not automatically 8% |\n| **Private KCPA remedy** | max(proved damages, court-set penalty) | Private claim | Court-determined | Damages and penalty are alternatives |\n| **KCPA ordinary civil penalty** | Up to $10,000 | Each legally proved violation | Court-determined | Unit requires actual legal/factual basis |\n| **KCPA protected-consumer enhancement** | Additional up to $10,000 | Each violation | Court-determined | Broader protected-consumer definition |\n| **Willful violation of KCPA court order** | Additional up to $20,000 | Per violation | Court-determined | Requires willful court-order violation |\n| **KCSOA or debt-adjusting misdemeanor confinement** | Up to 6 months | Conviction | Sentencing discretion | Criminal proof required |\n| **Class B misdemeanor fine** | Up to $1,000 | Conviction | Sentencing discretion | Alternative up to twice pecuniary gain |\n| **Ordinary punitive cap** | Lesser of highest annual gross income in preceding five years or $5 million | Award | Statutory cap | Net-worth/profit alternatives may apply |\n\n# H. Limitations, accrual, tolling, and review deadlines\n\n## H1. Deadline matrix\n\n| Claim or proceeding | Best-supported period | Trigger/accrual | Discovery rule or tolling | Confidence and limits |\n| --- | --- | --- | --- | --- |\n| **Private KCPA damages/alternative penalty** | 3 years under K.S.A. 60-512(2) | When consumer becomes aggrieved/suffers legal harm | No general KCPA discovery rule; statutory tolling may apply in proper facts | **High** under *Alexander* and *Florez* |\n| **Direct KCSOA damages under §50-1133** | Likely 3 years under §60-512(2) | Likely when violation causes injury | No KCSOA-specific discovery holding located | **Medium**; evidence-based classification, not controlling holding |\n| **Standalone §50-1126(e) voidness/return** | Unresolved | Could depend on statutory liability, declaratory relief, restitution, or accompanying claim | Unresolved | **Held** |\n| **Consumer KCSOA injunction under §50-1134** | No specific period located | Threatened/ongoing violation and standing | Laches/equitable rules may matter | **Held** |\n| **OSBC licensing or remedial enforcement merits** | No express general limitations period located in reviewed provisions | Statutory ground or violation | Agency delay and due process not fully examined | **Held** |\n| **Judicial review of final OSBC order** | Generally 30 days after service | Service of final order | Timely reconsideration changes trigger; mail/electronic service adds 3 days | **High**, subject to exact order/service |\n| **KAPA reconsideration** | 15 days after service | Service of final order | Generally optional; agency has 20 days to act | **High** |\n| **Official AG KCPA action** | General civil limitations did not run in *BHD Bank* | Government enforcement | Subject to any specific statutory limit not examined there | **Published COA holding; current full limits audit not performed** |\n| **KCSOA §50-1131 prosecution** | Default 5 years | Offense completion | Statutory criminal exclusions | **High general rule; offense-specific accrual facts needed** |\n| **Debt-adjusting §21-6502 prosecution** | Default 5 years | Completion of all elements, unless continuing-offense rule applies | Statutory criminal exclusions | **High general rule; unit/continuation unresolved** |\n| **Bond** | Statute has two-year liability/tail language | Act/inaction and license-end events | Not established as complete claim-filing deadline | **Boundary only; PASS-04 unreviewed** |\n| **Ordinary debt collection claim** | Excluded | — | — | Outside PASS-06 |\n\n## H2. Private KCPA period\n\nThe Kansas Supreme Court held in *Alexander* that a private KCPA action seeking the alternative damages/civil-penalty remedy is subject to the three-year statutory-liability period, not the one-year statutory-penalty period. The reason is that damages and the penalty are alternative remedies in one remedial action, not separate recoveries. [Justia Law+2](https://law.justia.com/cases/kansas/supreme-court/2000/83604.html)\n\n## H3. KCPA accrual\n\nA private KCPA claim accrues when the consumer becomes aggrieved through legal harm, even if the consumer does not then recognize or discover the harm. *Florez* rejected a general discovery rule, while allowing that separate later acts—such as new reliance and a new payment—can create separately accruing claims if the facts support genuinely distinct harm. [Justia Law+2](https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html)\n\nThis does not mean each monthly payment automatically creates a new violation or restarts every claim. The payment must correspond to a separately actionable violation and legal harm.\n\n## H4. Direct KCSOA period\n\nK.S.A. 50-1133 creates a statutory damages liability rather than a standalone statutory penalty, making K.S.A. 60-512(2)’s three-year period the best-supported classification. No controlling Kansas appellate decision specifically applying that period to §50-1133 was located. This conclusion remains at medium confidence and should not be converted into an individual filing-date opinion. [Kansas Legislature+1](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## H5. Tolling provisions\n\nKansas’s legal-disability statute can extend certain nonpenalty claims for minors, incapacitated persons, and qualifying prisoners, but it excludes actions for a penalty or forfeiture and imposes an eight-year outside constraint from the underlying act. Kansas also tolls for certain absence or concealment, subject to the exception where whereabouts are known and service can be effected. Application depends on the exact cause of action and facts. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/)\n\n## H6. Government KCPA enforcement\n\nIn *State ex rel. Stephan v. BHD Bank & Trust Co.*, the Kansas Court of Appeals held that general limitations did not bar the Attorney General’s official KCPA enforcement action, even though consumer compensation was among the remedies, because the State had an independent public enforcement interest and no specific KCPA limitation controlled. This does not establish that every government or private claim is timeless. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html)\n\n## H7. Administrative review\n\nA final KAPA order must state findings, conclusions, the remedy, and available reconsideration and review procedures and deadlines. Reconsideration generally may be requested within 15 days and is not usually a prerequisite. KJRA review generally requires filing within 30 days after service of the final order or the relevant reconsideration disposition. Service by mail or authorized electronic means adds three days to a period measured after service. Exhaustion is required unless a statutory or KJRA exception applies. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/)\n\n*Stork* applied the exhaustion rule where providers sought a declaratory judgment that OSBC lacked authority over their claimed attorney-related model before completing the agency process. The court did not decide the underlying liability or historical $8.4 million administrative allegations. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html)\n\n# I. Material opinions and orders\n\n| Authority | Court/status | Material holding for PASS-06 | Posture and limitation |\n| --- | --- | --- | --- |\n| **Alexander v. Certified Master Builders Corp.** | Kansas Supreme Court, 2000 | Private KCPA damages/alternative-penalty action uses three-year §60-512(2); damages and penalty are alternatives | Certified question; current penalty ceiling has since changed |\n| **Finstad v. Washburn University** | Kansas Supreme Court, 1993 | Private consumer must be aggrieved and show causal connection; government need not | Summary judgment; reliance discussed as causation evidence |\n| **Via Christi Regional Medical Center v. Reed** | Kansas Supreme Court, 2013 | Monetary loss not always needed for aggrievement; one aggregate bill/lien transaction was not hundreds | Remand; did not finally set KCPA penalty |\n| **Florez v. Ginsberg** | Published Kansas Court of Appeals, 2019 | Three-year KCPA period accrues at legal harm, not later discovery; distinct later harms may accrue separately | Pleading-stage limitations decision |\n| **State ex rel. Stephan v. BHD Bank** | Published Kansas Court of Appeals, 1982 | General limitations did not bar official AG KCPA enforcement | Government route only; not private limitations holding |\n| **Consumer Law Associates v. Stork** | Published Kansas Court of Appeals, 2012 | Agency exhaustion/KJRA route required before collateral declaratory challenge to OSBC authority | Did not decide provider liability or penalty merits; old exemption wording later clarified |\n| **Hays v. Ruther** | Kansas Supreme Court, 2013, certified questions | KCPA applies to attorneys selling services; attorney-license restrictions remain Supreme Court province; older KCSOA firm-exemption question answered | No actual defendant exemption or remedy liability adjudicated |\n| **Nazar v. Allied Consumer Services** | U.S. Bankruptcy Court, D. Kansas, 2012 | Registration-era provider held liable for direct KCSOA damages and two KCPA penalties | Defective answer/default and properly supported unopposed summary judgment; no modern contested licensing interpretation |\n| **Packard v. Credit Solutions of America** | Published Kansas Court of Appeals, 2009 | Under FAA severability, challenge that entire contract was void for KCSOA illegality went first to arbitrator | Did not decide underlying KCSOA merits or remedies |\n| **Williamson v. Hailstone Legal Group** | U.S. Bankruptcy Court, D. Kansas, signed/filed Nov. 5, 2025 | KCSOA and KCPA counts survived dismissal; attorney/law-firm exemption treated as fact-dependent | Rule 12(b)(6); no final liability, damages, fee-return, or exemption determination |\n\n# J. Bounded remedy examples\n\nAll examples are hypothetical. They assume statutory coverage only where expressly stated. They do not establish an actual provider violation, actual claimant standing, a court-set penalty, a Commissioner order, punitive entitlement, or a final limitations date.\n\n## Example J1 — Unauthorized $1,000 charge, no bona-fide-error qualification\n\n**Assumptions**\n\n- Covered Kansas consumer and covered, nonexempt CSO.\n- $1,000 was actually paid to the CSO.\n- The $1,000 charge was not authorized by K.S.A. 50-1126 or a valid rule.\n- The receipt was not accidental and bona fide.\n- Consumer was injured by the violation.\n\n**K.S.A. 50-1126(e)**\n\nPlain text\n```\nUnauthorized amount paid                      $1,000\nRequired statutory return                     $1,000\nAgreement status                              Void\n```\n\n**Direct KCSOA damages floor**\n\nPlain text\n```\nAmount paid to CSO                            $1,000\nReasonable attorney fees                     unknown\nCourt costs                                  unknown\nMinimum §50-1133 formulation                 $1,000 + fees + costs\n```\n\nThe $1,000 return and the $1,000 amount-paid floor describe overlapping economic value. This example does not assume a $2,000 compensatory recovery. A court would have to classify the remedies and prevent unsupported duplication. Punitive damages require separate proof and are not part of the arithmetic above. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/)\n\n## Example J2 — Accidental bona fide $200 processing mistake\n\n**Assumptions**\n\n- A $200 charge was unauthorized.\n- Provider asserts a genuine accidental and bona fide error.\n- No current case allocates the proof burden.\n- Provider refunds $200 promptly.\n\n**Branches**\n\n| Branch | Result |\n| --- | --- |\n| Error qualification established | Automatic §50-1126(e) void-and-return consequence is not established by that subsection |\n| Error qualification not established | Agreement is void and $200 must be returned |\n| Prompt repayment occurred | Relevant fact, but no statutory cure or immunity is established |\n| Separate misleading representation or other violation | Must be analyzed independently |\n\nNo damages, KCPA penalty, or regulatory fine is automatically added in either branch.\n\n## Example J3 — Violation without private injury\n\n**Assumptions**\n\n- Provider omitted a statutory requirement.\n- Consumer never paid the provider, relied on the omission, changed position, lost a right, or otherwise suffered identified legal harm.\n- OSBC can prove the violation.\n\n**Result**\n\nPlain text\n```\nPrivate §50-1133 damages        Not established without injury\nPrivate KCPA money remedy       Not established without aggrievement\nOSBC administrative action     Potentially available\nGovernment KCPA action         Potentially available\nInjunction                     Depends on standing and ongoing/threatened conduct\n```\n\nA statutory violation can support government enforcement even where a particular private claimant cannot prove injury. [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\n## Example J4 — Private KCPA damages versus penalty\n\n**Assumptions**\n\n- One legally established KCPA violation.\n- Consumer is aggrieved.\n- Proved damages: $3,500.\n- Court sets the civil penalty at $6,000, below the $10,000 ceiling.\n\n**Calculation**\n\nPlain text\n```\nDamages                         $3,500\nCourt-set civil penalty          6,000\nPrivate KCPA award\n= max($3,500, $6,000)           $6,000\nNot damages + penalty            $9,500\n```\n\nAttorney fees, if awarded under §50-634(e), are a separate fee-shifting question. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/)\n\n## Example J5 — OSBC ordinary and elder/disabled penalties\n\n**Assumptions**\n\n- OSBC proves two legally distinct incidents.\n- Each incident is also a separate violation committed against a consumer qualifying as elder or disabled.\n- Commissioner elects the maximum in every category after required procedure.\n\n**Maximum arithmetic**\n\nPlain text\n```\nOrdinary fine:\n2 incidents × $10,000                    $20,000\n\nElder/disabled enhancement:\n2 violations × $10,000                    20,000\n                                           ------\nIllustrative maximum                       $40,000\n```\n\nThis is only a ceiling illustration. The Commissioner may impose less, may find a different incident/violation unit, and does not automatically add restitution, disgorgement, or 8% interest. [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\n## Example J6 — Direct KCSOA damages plus KCPA route\n\n**Assumptions**\n\n- Consumer paid CSO $1,200.\n- One KCSOA violation caused injury.\n- The same violation is therefore a KCPA deceptive act.\n- Consumer’s total proved economic loss is the same $1,200.\n- Court sets a potential KCPA penalty at $8,000.\n- No punitive entitlement assumed.\n\n**Separate analyses**\n\nPlain text\n```\nDirect KCSOA floor:\n$1,200 + reasonable fees/costs\n\nPrivate KCPA:\nmax($1,200 damages, $8,000 penalty)\n= $8,000\n```\n\nThe statutes permit distinct causes and *Nazar* imposed both kinds of relief on its record. This hypothetical does not assume the consumer can collect the same $1,200 twice as compensatory loss. The actual judgment structure requires claim-, injury-, and election-specific analysis. [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\n## Example J7 — Custodial criminal model versus noncustodial model\n\n### Branch A — Custodial periodic model\n\n**Facts assumed**\n\n- Provider knowingly makes contracts requiring periodic consumer payments.\n- Provider receives those payments.\n- Provider distributes them among specified creditors.\n- Provider receives consideration.\n- No law-practice exception.\n- “Registered” exception status unresolved.\n\nEvery affirmative element of K.S.A. 21-6502(a) is present. Criminal liability still requires prosecution and proof beyond a reasonable doubt, and the unresolved exception cannot be decided by provider label.\n\n### Branch B — Noncustodial negotiation\n\n**Facts assumed**\n\n- Consumer owns and controls savings.\n- Consumer pays creditors directly.\n- Provider only negotiates.\n\nThe periodic-payment-to-adjuster and distribution elements are absent on the assumed facts. Section 21-6502 is not established, although civil KCSOA coverage and K.S.A. 50-1131 remain separate questions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/)\n\n## Example J8 — KCPA accrual and separate later harm\n\n**Assumptions**\n\n- D0: consumer first signs and pays based on a deceptive representation.\n- D1: consumer discovers the deception two years later.\n- D2: consumer makes a new payment based on a separately repeated representation.\n- No tolling facts.\n\n**Result**\n\nPlain text\n```\nFirst KCPA claim:\nAccrual = D0 legal harm\nDiscovery at D1 does not restart clock\n\nPotential later claim:\nAccrual may be D2 only if the new representation/payment\nconstitutes a distinct violation and legal harm\n```\n\nThe three-year filing period is measured separately from each supported accrual. No concrete calendar deadline is supplied without actual dates and service facts. [Justia Law+2](https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html)\n\n## Example J9 — Administrative appeal sequence\n\n**Assumptions**\n\n- Final OSBC order served by authorized electronic means on D0.\n- Reconsideration is not statutorily mandatory.\n- Party timely requests reconsideration on Day 15.\n- Agency later serves an order denying reconsideration.\n\n**Sequence**\n\nPlain text\n```\nReconsideration petition:\nwithin 15 days after service\n\nJudicial review:\nwithin 30 days after service of denial\n\nElectronic-service extension:\n3 additional days where §77-613 applies\n```\n\nExact dates cannot be calculated without actual service dates, the final order, and confirmation that no special statute controls. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/)\n\n## Example J10 — Punitive cap arithmetic\n\n**Assumptions**\n\n- Punitive damages are legally available and proved by clear and convincing evidence.\n- Highest annual gross income in preceding five years: $2,000,000.\n- $5 million statutory comparison.\n- No clearly inadequate finding.\n- Misconduct profit does not exceed the ordinary cap.\n\n**Calculation**\n\nPlain text\n```\nIncome measure                       $2,000,000\nFixed statutory measure               5,000,000\nOrdinary cap = lesser                $2,000,000\n```\n\nIf the court finds $2 million clearly inadequate, the separate 50%-of-net-worth provision may apply. If misconduct profit exceeds the ordinary cap, the 1.5-times-profit provision may apply instead. None of those alternatives establishes punitive entitlement. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/)\n\n## Example J11 — Attorney-connected noncustodial company\n\n**Assumptions**\n\n- Company markets debt settlement.\n- A Kansas attorney signs some correspondence.\n- Facts do not yet establish the attorney personally performed services within the course and scope of Kansas legal practice.\n- Qualifying law-firm relationship is disputed.\n- Consumer retains control of creditor-payment funds.\n\n**Result**\n\nPlain text\n```\nKCSOA attorney exemption       Not established by signature alone\nKCPA applicability             Not defeated by attorney status alone\nK.S.A. 21-6502                Not established on noncustodial facts\nKCSOA civil negotiation branch Potentially applicable\nFinal remedy liability         Held pending coverage, violation, injury,\n                               entity relationship, and procedural proof\n```\n\n*Hays* and *Williamson* do not supply provider-specific approval or final liability on these assumed facts. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html)\n\n## Example J12 — Potentially expired private claim but continuing government route\n\n**Assumptions**\n\n- Private consumer suffered KCPA legal harm more than three years before suit.\n- No separate later violation and no applicable tolling.\n- Government later discovers the same conduct.\n\n**Result**\n\nPlain text\n```\nPrivate KCPA monetary claim       Likely time-barred\nPrivate direct KCSOA claim        Likely time-barred if the three-year\n                                  statutory-liability classification applies\nGovernment KCPA action            Not automatically barred by those private clocks\nCriminal prosecution              Requires separate five-year and offense-accrual analysis\n```\n\nThe result is conditional and not an individual deadline opinion. [Justia Law+3](https://law.justia.com/cases/kansas/supreme-court/2000/83604.html)\n\n# K. Source register\n\n| Source ID | Authority and full literal URL | Exact material read or pinpoint | Version/status/access and limits |\n| --- | --- | --- | --- |\n| **S_KS-P6-S001** | Kansas Revisor, current KCSOA selected sections: [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/?utm_source=chatgpt.com) [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_0018_section/050_011_0018_k/?utm_source=chatgpt.com) [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_0019_section/050_011_0019_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/?utm_source=chatgpt.com) [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_0027_section/050_011_0027_k/?utm_source=chatgpt.com) [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_0028_section/050_011_0028_k/?utm_source=chatgpt.com) [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_0029_section/050_011_0029_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/?utm_source=chatgpt.com) [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_0032_section/050_011_0032_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/?utm_source=chatgpt.com) | Complete material text of scope/exemption, definitions, licensing, bond limitations boundary, §50-1126(e), §§50-1127–50-1134 | **Fresh Oct. 26, 2026.** Pages label themselves 2026 statutes. Site update timestamps are not enactment dates. Selected provisions only, not a complete Article 11 amendment audit. Prior aliases include P1-S002 and claims P1-C029/P1-C041. [Kansas Legislature+5](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/) |\n| **S_KS-P6-S002** | Kansas OSBC, *2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act*: [https://osbckansas.gov/legal/cso_2026.pdf](https://osbckansas.gov/legal/cso_2026.pdf?utm_source=chatgpt.com) | §50-1126(e) and §50-1127: PDF page 14/index 13/printed CSO Statutes 13; §50-1128: PDF pages 15–17/indices 14–16/printed 14–16; §50-1129: PDF pages 17–18/indices 16–17/printed 16–17; §§50-1130–1132: PDF page 19/index 18/printed 18; §§50-1133–1135: PDF page 20/index 19/printed 19 | **Fresh parsed and visually checked.** File has 22 PDF pages. Official agency compilation; Revisor controls codification. Prior direct-rule endpoint 405 remains access history, not proof of no other rule. Corrected P2 page system controls. [Kansas Bank Commissioner+6](https://osbckansas.gov/legal/cso_2026.pdf) |\n| **S_KS-P6-S003** | Kansas Revisor, current criminal and sentencing provisions: [https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/?utm_source=chatgpt.com) | Complete §21-6502; material §§21-5202, 21-5107, 21-6602, 21-6611 | **Fresh Oct. 26, 2026.** Current codified primary text. Prior alias P1-S003 for §21-6502. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/) |\n| **S_KS-P6-S004** | 2010 Kansas Session Laws, ch. 136: [https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf](https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf?utm_source=chatgpt.com) | New §233, debt adjusting: PDF pages 95–96, zero-based indices 94–95; no reliable printed-page number visible in the reproduced scan | **Fresh selected historical read and screenshots.** Establishes 2010 enactment of current “registered” exception wording; not a complete chapter read. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf) |\n| **S_KS-P6-S005** | 2017 Kansas Session Laws, vol. 1, ch. 52: [https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf?utm_source=chatgpt.com) | Selected civil KCSOA registration-to-license amendments: PDF pages 308–309, indices 307–308, printed pages 298–299; amended/repealed list and effective clause: PDF page 322/index 321/printed 312 | **Fresh selected check plus prior P2 evidence-backed reading.** K.S.A. 21-6502 was not among identified amendments. Approved April 18, 2017; effective upon statute-book publication, with July 1 publication/authentication previously checked. Not a full volume or post-2017 audit. [Kansas Secretary of State+2](https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf) |\n| **S_KS-P6-S006** | Kansas Revisor, current KCPA selected sections: [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/?utm_source=chatgpt.com) | Definitions, waiver, deceptive/unconscionable acts, government/private remedies, application, penalties, cumulative remedies, protected consumers | **Fresh Oct. 26, 2026.** Current selected code; no exhaustive KCPA amendment audit. [Kansas Legislature+9](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/) |\n| **S_KS-P6-S007** | Kansas Revisor, civil limitations and time computation: [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/?utm_source=chatgpt.com) | Three-year statutory liability, tort/fraud, one-year penalty, legal disability, absence/concealment, day computation | **Fresh selected read.** No provider-specific accrual facts examined. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/) |\n| **S_KS-P6-S008** | Kansas Revisor, punitive damages: [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/?utm_source=chatgpt.com) | Complete material §60-3702; pleading procedure in §60-3703 | **Fresh selected read.** No KCSOA-specific appellate interpretation of full interaction located. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/) |\n| **S_KS-P6-S009** | Kansas Revisor, KAPA/KJRA: [https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/?utm_source=chatgpt.com) [https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/?utm_source=chatgpt.com) | Final-order contents, 15-day reconsideration, emergency orders, exhaustion, 30-day review and service rules | **Fresh Oct. 26, 2026.** Actual order can state controlling instructions and another statute may alter defaults. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/) |\n| **S_KS-P6-S010** | Kansas OSBC, Consumer Complaint Form: [https://osbckansas.gov/consumer-complaint-form/](https://osbckansas.gov/consumer-complaint-form/?utm_source=chatgpt.com) | Public submission route and supporting-document instructions | **Fresh.** Operational complaint material only; not statutory tolling, adjudication, or private legal advice. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-complaint-form/) |\n| **S_KS-P6-S011** | Kansas OSBC, *2026 Administrative Interpretations*: [https://osbckansas.gov/legal/administrative_interpretations_2026.pdf](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf?utm_source=chatgpt.com) | Outline PDF page 1/index 0; bounded searches for 50-1129, 50-1133, 21-6502, debt adjusting, and CSO-remedy terms | **Fresh bounded check.** No pertinent published entry located. No-match does not prove absence of unpublished or differently indexed authority. [Kansas Bank Commissioner](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) |\n| **S_KS-P6-S012** | Kansas OSBC, *2026 Guidance Documents*: [https://osbckansas.gov/legal/guidance_2026.pdf](https://osbckansas.gov/legal/guidance_2026.pdf?utm_source=chatgpt.com) | Outline PDF page 1/index 0; relevant general guidance begins PDF page 2/index 1 | **Fresh bounded check.** No remedy/registration-wording reconciliation found. Guidance is not a final order. [Kansas Bank Commissioner+1](https://osbckansas.gov/legal/guidance_2026.pdf) |\n| **S_KS-P6-S013** | Kansas Attorney General complaint and opinions pages: [https://www.ag.ks.gov/file-a-complaint](https://www.ag.ks.gov/file-a-complaint?utm_source=chatgpt.com) [https://www.ag.ks.gov/reports-resources/ag-opinions](https://www.ag.ks.gov/reports-resources/ag-opinions?utm_source=chatgpt.com) | Complaint page discovered but direct route returned 403 in this session; opinions index and focused searches used as discovery | **Failed/limited.** No opinion resolving §21-6502’s “registered” wording was located; this is not proof none exists. [Kansas Department of Agriculture+1](https://www.ag.ks.gov/file-a-complaint) |\n| **S_KS-P6-S014** | *Alexander v. Certified Master Builders Corp.*, 268 Kan. 812 (2000): [https://law.justia.com/cases/kansas/supreme-court/2000/83604.html](https://law.justia.com/cases/kansas/supreme-court/2000/83604.html?utm_source=chatgpt.com) | Limitations and alternative-remedy analysis, displayed lines 186–228 | **Fresh read.** Kansas Supreme Court; controlling private KCPA limitations analysis. Current penalty ceiling differs from historical amount quoted in case. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/2000/83604.html) |\n| **S_KS-P6-S015** | *Finstad v. Washburn University*, 252 Kan. 465 (1993): [https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html](https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html?utm_source=chatgpt.com) | Aggrievement, causal connection, private/government distinction, displayed lines 81–133 | **Fresh read.** Kansas Supreme Court. [Justia Law](https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html) |\n| **S_KS-P6-S016** | *Via Christi Regional Medical Center, Inc. v. Reed*, 298 Kan. 503 (2013): [https://law.justia.com/cases/kansas/supreme-court/2013/101690.html](https://law.justia.com/cases/kansas/supreme-court/2013/101690.html?utm_source=chatgpt.com) | Aggrievement lines 145–153; transaction/claim count lines 198–205 | **Fresh read.** Kansas Supreme Court; remanded KCPA claims rather than setting final penalty. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/2013/101690.html) |\n| **S_KS-P6-S017** | *Florez v. Ginsberg*, 57 Kan. App. 2d 207 (2019): [https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html](https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html?utm_source=chatgpt.com) | KCPA accrual and limitations, displayed lines 96–108 | **Fresh read.** Published Court of Appeals decision; pleading-stage context. [Justia Law+2](https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html) |\n| **S_KS-P6-S018** | *State ex rel. Stephan v. BHD Bank & Trust Co.*, 8 Kan. App. 2d 57 (1982): [https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html](https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html?utm_source=chatgpt.com) | Official-enforcement limitations discussion, displayed lines 68–116 | **Fresh read.** Published Court of Appeals decision; government route, not private claim. Full current citator not performed. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html) |\n| **S_KS-P6-S019** | *Consumer Law Associates, LLC v. Stork*, 47 Kan. App. 2d 208 (2012): [https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html](https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html?utm_source=chatgpt.com) | Exhaustion/KJRA discussion, displayed lines 54–84 | **Fresh read.** Published Court of Appeals; did not decide merits. Older exemption reasoning must be read with *Hays*. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html) |\n| **S_KS-P6-S020** | *Hays v. Ruther*, 298 Kan. 402 (2013): [https://law.justia.com/cases/kansas/supreme-court/2013/108351.html](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html?utm_source=chatgpt.com) | Syllabus/remedy boundary and attorney regulation lines 62–80, 96–98 | **Fresh selected read.** Kansas Supreme Court certified-question decision; no factual liability adjudication. Official prior route remained 403. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/2013/108351.html) |\n| **S_KS-P6-S021** | *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](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf?utm_source=chatgpt.com) | Procedure/facts: PDF pages 1–4/indices 0–3; remedies: PDF pages 6–8/indices 5–7, printed pages 6–8 | **Fresh selected PDF read; screenshots previously used.** Signed/filed April 16, 2012. Registration-era, default and supported unopposed summary judgment; not controlling appellate authority. [District of Kansas Bankruptcy Court](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf) |\n| **S_KS-P6-S022** | *Packard v. Credit Solutions of America, Inc.*, 42 Kan. App. 2d 382 (2009): [https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html](https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html?utm_source=chatgpt.com) | FAA severability/arbitrability discussion, displayed lines 104–115 | **Fresh selected read.** Did not decide KCSOA liability or remedy merits. [Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html) |\n| **S_KS-P6-S023** | *Williamson v. Hailstone Legal Group, LLC*, Adv. No. 25-05004, Doc. 46: [https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf?utm_source=chatgpt.com) | Signed/filed page 1/index 0; allegations printed page 4/index 3; Counts II/III analysis printed pages 6–9/indices 5–8 | **Fresh PDF access; prior P2 complete parsed-text read preserved.** Motion-to-dismiss stage; no final liability, fee-return, exemption, or damages ruling. [District of Kansas Bankruptcy Court](https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf) |\n\n# L. Claim register\n\n| Claim ID | Precise claim | Sources/pinpoints | Conditions, exceptions, consequence, and confidence |\n| --- | --- | --- | --- |\n| **S_KS-P6-C001** | KCSOA contains three functional coverage branches and defines consumer as a Kansas-resident individual. | S001, §§50-1117(b), (d) | **High.** Coverage facts remain model-specific. |\n| **S_KS-P6-C002** | KCPA consumer and transaction definitions are broader and cannot be imported into direct KCSOA standing. | S006, §50-624 | **High.** |\n| **S_KS-P6-C003** | Attorney exemption requires actual Kansas practice and qualifying firm relationship, not label or signature. | S001 §50-1116; S020; S023 | **High conditional rule.** |\n| **S_KS-P6-C004** | Unauthorized payment makes agreement void and must be returned absent accidental bona fide error. | S001 §50-1126(e) | **High; alias P1-C029.** |\n| **S_KS-P6-C005** | Section 50-1126(e) supplies no express cure period or burden-allocation rule. | S001 §50-1126(e) | **High bounded reading; interpretation unresolved.** |\n| **S_KS-P6-C006** | Section 50-1126(e) does not itself state an attorney-fee, punitive, or civil-penalty award. | S001 §50-1126(e) | **High.** |\n| **S_KS-P6-C007** | OSBC discipline under §50-1127 requires an enumerated ground and notice/hearing opportunity. | S001 §50-1127 | **High.** |\n| **S_KS-P6-C008** | Repeated or willful violation is one disciplinary ground; other listed grounds are independently sufficient if proved. | S001 §50-1127 | **High.** |\n| **S_KS-P6-C009** | OSBC has broad examination, subpoena, supervisory, settlement, and trust-fund powers. | S001 §§50-1128, 50-1130 | **High.** |\n| **S_KS-P6-C010** | Informal action plans under §50-1128(o) are confidential, nonagency actions and inadmissible in private litigation. | S001 §50-1128(o) | **High.** |\n| **S_KS-P6-C011** | Formal §50-1129 relief follows notice and KAPA hearing opportunity, except emergency procedure. | S001 §50-1129 | **High.** |\n| **S_KS-P6-C012** | Ordinary OSBC fine is up to $10,000 per incident. | S001 §50-1129(a)(2) | **High; “incident” unresolved.** |\n| **S_KS-P6-C013** | Additional OSBC penalty is up to $10,000 for each violation against an elder or disabled person. | S001 §50-1129(a)(3); S006 §50-676 | **High.** |\n| **S_KS-P6-C014** | OSBC may order restitution for loss or disgorgement of profit and interest up to 8% annually. | S001 §50-1129(a)(4) | **High; discretionary and alternative wording.** |\n| **S_KS-P6-C015** | Emergency order requires written irreparable-harm findings and permits a requested hearing, but no request deadline is stated. | S001 §50-1129(b) | **High text; request deadline held.** |\n| **S_KS-P6-C016** | KCSOA violation or regulatory violation is a class B nonperson misdemeanor upon conviction. | S001 §50-1131 | **High.** |\n| **S_KS-P6-C017** | General criminal culpability applies absent a specific KCSOA interpretation; exact §50-1131 mens rea remains unresolved. | S003 §21-5202 | **Medium.** |\n| **S_KS-P6-C018** | Every KCSOA violation is statutorily a deceptive KCPA act. | S001 §50-1132 | **High.** |\n| **S_KS-P6-C019** | KCSOA remedies are additional to KCPA remedies but no text authorizes duplicate compensation for the identical loss. | S001 §§50-1132–1133; S021 | **High on cumulative text; duplicate-recovery mechanics unresolved.** |\n| **S_KS-P6-C020** | Direct KCSOA damages require a consumer injured by the violation. | S001 §50-1133(a) | **High.** |\n| **S_KS-P6-C021** | Direct damages cannot be less than amount paid to CSO plus reasonable fees and costs. | S001 §50-1133(a) | **High.** |\n| **S_KS-P6-C022** | Punitive damages are permitted but not automatic. | S001 §50-1133(b); S008 | **High.** |\n| **S_KS-P6-C023** | Commissioner, AG, county/district attorney, or consumer may seek an injunction under §50-1134. | S001 §50-1134 | **High; ordinary standing still applies.** |\n| **S_KS-P6-C024** | Private KCPA relief requires an aggrieved consumer and causal legal injury. | S006 §50-634; S015 | **High.** |\n| **S_KS-P6-C025** | A deceptive violation can exist without actual misleading, but private relief still requires aggrievement. | S006 §50-626; S015 | **High.** |\n| **S_KS-P6-C026** | Measurable monetary loss is not always needed; direct impairment of a legal/economic right can suffice. | S016 | **High.** |\n| **S_KS-P6-C027** | Reliance is not universally stated as an element but can prove causal connection. | S015; S017 | **High nuanced proposition.** |\n| **S_KS-P6-C028** | Private KCPA monetary award is damages or civil penalty, whichever is greater. | S006 §50-634(b); S014 | **High.** |\n| **S_KS-P6-C029** | Current KCPA penalty ceiling is $10,000 for each proved violation and set by court. | S006 §50-636(a) | **High.** |\n| **S_KS-P6-C030** | A continuing nontransaction-specific practice can be a separate daily violation under §50-636(d). | S006 §50-636(d) | **High; narrow condition.** |\n| **S_KS-P6-C031** | Transaction/violation units are fact-specific; aggregate entries are not automatically separate transactions. | S016 | **High as Via Christi application.** |\n| **S_KS-P6-C032** | KCPA private damages/penalty are not available as a class action; class damages require narrow §50-634(d) predicates. | S006 §50-634 | **High.** |\n| **S_KS-P6-C033** | KCPA prevailing-consumer fees are discretionary; prevailing supplier fees require known groundlessness. | S006 §50-634(e) | **High.** |\n| **S_KS-P6-C034** | Government KCPA enforcement does not require an aggrieved consumer. | S006 §§50-632, 50-636; S015 | **High.** |\n| **S_KS-P6-C035** | Consent judgment is not an admission unless its terms say so and requires court approval. | S006 §50-632(b) | **High.** |\n| **S_KS-P6-C036** | KCPA contains no blanket professional or regulated-entity exemption in §50-635. | S006 §50-635; S020 | **High bounded reading.** |\n| **S_KS-P6-C037** | KCPA applies to attorneys selling services, while attorney-license restraint belongs to Kansas Supreme Court. | S020 | **High controlling boundary.** |\n| **S_KS-P6-C038** | KCPA protected-consumer enhancement reaches more categories than KCSOA’s elder/disabled administrative enhancement. | S006 §§50-676–679; S001 §50-1129 | **High.** |\n| **S_KS-P6-C039** | Debt-adjusting crime requires knowing periodic payment to adjuster for distribution among specified creditors for consideration. | S003 §21-6502(a) | **High.** |\n| **S_KS-P6-C040** | Noncustodial negotiation does not automatically satisfy §21-6502. | S003 §21-6502 | **High on assumed facts.** |\n| **S_KS-P6-C041** | Section 21-6502 retains a “registered” CSO exception despite 2017 civil licensing amendments. | S003; S004; S005 | **High textual/history finding.** |\n| **S_KS-P6-C042** | No current public authority resolving registration/license mismatch was located. | S011–S013 and focused searches | **Bounded negative only.** |\n| **S_KS-P6-C043** | Class B misdemeanor permits up to six months and generally $1,000 fine or alternative up to twice gain. | S003 §§21-6602, 21-6611 | **High.** |\n| **S_KS-P6-C044** | Default criminal prosecution period is five years, subject to exclusions and offense-completion rules. | S003 §21-5107 | **High general rule.** |\n| **S_KS-P6-C045** | Private KCPA damages/alternative-penalty action uses a three-year period. | S007 §60-512; S014 | **High.** |\n| **S_KS-P6-C046** | Private KCPA accrues at legal harm/aggrievement, not later discovery. | S017 | **High.** |\n| **S_KS-P6-C047** | Distinct later violations and harms may accrue separately; payments do not automatically restart all claims. | S017 | **High with factual condition.** |\n| **S_KS-P6-C048** | Direct §50-1133 claim is most plausibly subject to three-year statutory-liability period, but no controlling specific case was found. | S001 §50-1133; S007 §60-512 | **Medium.** |\n| **S_KS-P6-C049** | Standalone limitation and accrual for §50-1126(e) voidness/return remain unresolved. | S001 §50-1126(e); S007 | **Held.** |\n| **S_KS-P6-C050** | Consumer injunction limitations/laches under §50-1134 remain unresolved. | S001 §50-1134 | **Held.** |\n| **S_KS-P6-C051** | General limitations did not bar official AG KCPA enforcement in *BHD Bank*. | S018 | **High for case holding; not universal government rule.** |\n| **S_KS-P6-C052** | KCSOA §§50-1127–1129 contain no express general enforcement limitation in reviewed text. | S001 | **High bounded reading.** |\n| **S_KS-P6-C053** | KJRA review generally requires 30 days after service; reconsideration generally 15 days and optional; mail/electronic adds 3 days. | S009 | **High subject to actual order/statute.** |\n| **S_KS-P6-C054** | Administrative exhaustion applies to challenges to OSBC action, as in *Stork*, not automatically to ordinary private damages claims. | S009; S019 | **High distinction.** |\n| **S_KS-P6-C055** | OSBC complaint submission is not a judgment, private exhaustion requirement, or verified tolling event. | S010 | **High bounded procedural conclusion.** |\n| **S_KS-P6-C056** | *Nazar* demonstrates cumulative relief on its record but not a universal penalty or stacking formula. | S021 | **High with procedural/historical limitations.** |\n| **S_KS-P6-C057** | *Packard* sends whole-contract illegality challenge to arbitrator under its FAA circumstances; it did not decide merits. | S022 | **High case-specific holding.** |\n| **S_KS-P6-C058** | *Williamson* is pleading-stage only and supplies no final remedy or exemption determination. | S023 | **High.** |\n| **S_KS-P6-C059** | Bond’s two-year liability/tail language is not proven to be a universal claim-filing period. | S001 §50-1119 | **High boundary; PASS-04 otherwise unreviewed.** |\n| **S_KS-P6-C060** | No component, provider, operational, state, parent, or A066 acceptance follows from this remedies pass. | Scope/provenance | **High project-status statement.** |\n\n# M. Coverage and gap table\n\n| Component | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| KCSOA scope needed for remedies | **Answered at rule level** | C001–C003 | Actual provider/entity/service facts remain |\n| Unauthorized-charge voidness | **Answered** | C004 | — |\n| Unauthorized amount calculation | **Fact-dependent** | C004–C006 | Actual payment ledger and fee classification |\n| Bona-fide-error definition | **Unresolved** | C005 | Controlling case, OSBC order, or formal interpretation |\n| Bona-fide-error burden | **Unresolved** | C005 | Same |\n| Cure/revival after refund | **Unresolved** | C005–C006 | Case law or formal order |\n| Private enforcement of §50-1126(e) | **Partial** | C006, C020–C023 | Cause-of-action/remedy-specific precedent |\n| License discipline grounds | **Answered** | C007–C008 | Provider-specific adjudication later |\n| OSBC examination/investigation | **Answered** | C009 | Examination manual and actual order files not obtained |\n| Confidential action plan | **Answered** | C010 | — |\n| Formal cease-and-desist | **Answered** | C011 | Actual order findings required |\n| Emergency order | **Answered at statute level** | C015 | Hearing-request deadline absent |\n| Ordinary administrative fine | **Answered ceiling only** | C012 | “Incident” interpretation and actual discretion |\n| Elder/disabled enhancement | **Answered ceiling only** | C013 | Actual protected status and violation unit |\n| Restitution/disgorgement | **Answered at authority level** | C014 | Election, calculation, and double-counting precedent |\n| Administrative interest | **Answered ceiling only** | C014 | Actual rate and compounding method not stated |\n| KCSOA criminal offense | **Answered at text level** | C016–C017 | Mens rea precedent and charging practice |\n| Direct consumer injury requirement | **Answered** | C020 | Actual causation facts |\n| Direct damages floor | **Answered** | C021 | Treatment of returned amounts and offsets unresolved |\n| Attorney fees/costs under §50-1133 | **Answered at text level** | C021 | Reasonableness and prevailing-party procedure later |\n| Punitive entitlement | **Partial** | C022 | KCSOA-specific interaction with §§60-3702–3703 |\n| Punitive amount caps | **Answered generally** | C022 | Actual income/net worth/profit evidence |\n| KCSOA injunction | **Answered at claimant level** | C023 | Standing, laches, and limitations unresolved |\n| KCPA crossover | **Answered** | C018–C019 | — |\n| KCPA consumer/transaction | **Answered generally** | C002 | Actual business/entity facts |\n| Private KCPA aggrievement | **Answered** | C024–C027 | Actual legal harm and causal proof |\n| Reliance | **Answered as nonuniversal causation evidence** | C027 | Claim-specific facts |\n| Private damages/penalty election | **Answered** | C028 | — |\n| Current civil-penalty ceiling | **Answered** | C029 | Court discretion and unit remain |\n| Per-violation unit | **Partial** | C029–C031 | Provider-specific transactions, acts, and findings |\n| Continuing daily violation | **Answered narrowly** | C030 | Whether conduct is untied to identifiable transaction |\n| KCPA class declaratory/injunctive relief | **Answered** | C032 | Class certification and procedure later |\n| KCPA class damages | **Answered at threshold** | C032 | Prior judgment/consent and specific-act predicates |\n| KCPA attorney fees | **Answered** | C033 | Amount and prevailing-party facts |\n| AG/county/district remedies | **Answered** | C034–C035 | Actual enforcement file/order later |\n| Consent judgment evidentiary effect | **Answered** | C035 | Terms of actual judgment control |\n| Professional/regulated exemption | **No blanket exemption found** | C036–C037 | Entity-specific statutes/preemption still open |\n| Attorney remedy boundary | **Answered generally** | C037 | Actual practice/exemption and remedy sought |\n| Protected-consumer enhancement | **Answered** | C038 | Actual status and violation proof |\n| Debt-adjusting elements | **Answered** | C039–C040 | Actual custody/periodic/distribution facts |\n| Registration/license mismatch | **Unresolved** | C041–C042 | Full AG archive, prosecution dockets, OSBC orders, legislative history |\n| Debt-adjusting law-practice exception | **Partial** | C039–C042 | Actual lawful Kansas practice and entity relationship |\n| Criminal sentence ceiling | **Answered generally** | C043 | Sentencing facts |\n| Criminal prosecution limitation | **Answered generally** | C044 | Offense date, continuity, concealment, commencement facts |\n| Private KCPA limitation | **Answered** | C045–C047 | Actual accrual/tolling facts |\n| Direct KCSOA limitation | **Partial/inferred** | C048 | Controlling §50-1133 limitations decision |\n| §50-1126(e) limitation | **Unresolved** | C049 | Cause-of-action characterization and precedent |\n| Injunction limitation/laches | **Unresolved** | C050 | Controlling equitable-limit authority |\n| Government KCPA limitation | **Partial** | C051 | Current full citator and any specific statutory limits |\n| OSBC merits limitation | **Unresolved** | C052 | Formal orders/cases addressing agency delay |\n| KJRA review deadline | **Answered generally** | C053 | Actual final order and service method |\n| Administrative exhaustion | **Answered generally** | C054 | Particular claim and adequacy/irreparable-harm facts |\n| OSBC complaint process | **Answered operationally** | C055 | Internal complaint handbook/enforcement outcome unavailable |\n| AG complaint process | **Access-limited** | — | Direct page returned 403; no complaint filed |\n| Public OSBC final CSO orders | **Not located in bounded search** | C042, C052 | Complete enforcement docket and archival request—not performed |\n| *Nazar* remedy holding | **Answered with limits** | C056 | No current contested appellate treatment |\n| *Packard* arbitration boundary | **Answered with limits** | C057 | Actual arbitration clause/challenge later |\n| *Williamson* remedy merits | **Not decided** | C058 | Later docket/final disposition not reviewed in this pass |\n| Full case citator | **Not performed** | — | Kansas/federal citator and unpublished dispositions |\n| Bond claims and limitation | **Excluded except boundary** | C059 | PASS-04 remains separately unreviewed |\n| Funds/trust remedies | **Excluded** | — | PASS-03 remains separately unreviewed |\n| Agreement remedies/enforceability | **Excluded except necessary cases** | — | PASS-05 remains separately unreviewed |\n| Federal TSR/CROA remedies | **Not rerun** | — | Actual federal coverage/private-right/enforcement pass later |\n| CFPA/FTC/CFPB enforcement | **Excluded** | — | Separate federal pass |\n| Bankruptcy avoidance/estate standing | **Excluded except case posture** | — | Separate bankruptcy/remedies pass |\n| Collection, garnishment, secured sectors | **Excluded** | — | Later passes |\n| Ordinary debt limitations | **Excluded** | — | Later collection/contract pass |\n| Local, tribal, country law | **Excluded** | — | Later jurisdiction passes |\n| Actual provider authorization/liability | **Not evaluated** | C060 | Requires provider identity, contracts, license, payments, orders, and facts |\n| Component/state/parent/A066 acceptance | **Not evaluated** | C060 | No acceptance follows |\n\n# N. Researcher self-check\n\n## Actually read or inspected in PASS-06\n\n- Current KCSOA scope, definitions, licensing, unauthorized-payment consequence, discipline, investigation, cease-and-desist, fines, criminal, KCPA crossover, private damages, and injunction provisions.\n- Corresponding remedy pages of the official 2026 OSBC CSO compilation, with PDF pages, zero-based indices, and printed-page labels distinguished.\n- Current K.S.A. 21-6502 debt-adjusting offense.\n- Current Kansas culpability, sentencing, fine, and criminal limitations provisions.\n- The selected 2010 enactment pages containing recodified debt adjusting.\n- The selected 2017 civil KCSOA registration-to-license amendment and effective pages.\n- Current KCPA definitions, deceptive and unconscionable provisions, government and private remedies, civil penalties, application, cumulative-remedy rule, and protected-consumer provisions.\n- Current Kansas civil limitation, tolling, and punitive-damages statutes.\n- Current KAPA/KJRA final-order, reconsideration, exhaustion, emergency, judicial-review, and service provisions.\n- OSBC’s public consumer complaint page.\n- Current public OSBC administrative-interpretation and guidance compilations through bounded outline and keyword checks.\n- *Alexander*, *Finstad*, *Via Christi*, *Florez*, *BHD Bank*, *Stork*, *Hays*, *Nazar*, *Packard*, and *Williamson* to the extents described in the source register.\n- Focused public searches for Kansas AG opinions and public OSBC material addressing the stale “registered” wording and CSO remedy provisions.\n\n## Preserved rather than regenerated\n\n- PASS-01 and PASS-02 classifications, fee conclusions, examples, and corrections.\n- Prior source/version limits for *Hays*, *Williamson*, and *Nazar*.\n- Corrected OSBC compilation pagination.\n- The prior direct-rules-endpoint HTTP 405 history.\n- The conditional federal TSR and CROA distinctions.\n- All prior provider-status, noncustodial-architecture, current-checklist, and actual-contract holds.\n\n## Not read or not obtained\n\n- Every Article 11 section or a complete post-2017 amendment history.\n- A complete Kansas appellate, federal, or unpublished-decision citator.\n- Every OSBC examination report, administrative docket, consent order, settlement, or final order.\n- Any nonpublic OSBC action plan, which the statute treats as confidential.\n- A Kansas Attorney General opinion resolving K.S.A. 21-6502’s “registered” wording.\n- A criminal charging document, plea, or conviction applying §21-6502 to a modern licensee.\n- A controlling KCSOA-specific decision on:Bona fide error.Direct §50-1133 limitations.§50-1126(e) accrual or limitation.Injunction limitations.Double-recovery offsets.Administrative “incident” units.Restitution versus disgorgement.Punitive-damages procedure.\n- Any actual provider complaint, license, enforcement history, contract, payment record, bank record, or private borrower information.\n- Any filing, complaint, contact, account action, provider lookup, private docket purchase, website change, publication, Chrome control, other Chat, or CAPTCHA workaround.\n- Full federal TSR, CROA, CFPA, bankruptcy, arbitration, funds, bond, collection, limitations, secured-sector, local, tribal, or seven-parent-dimension treatment.\n\n## Method limits\n\n- A violation was not treated as automatic private standing.\n- Private injury was not treated as necessary for government enforcement.\n- “In addition to” was not treated as authority for duplicating the same compensatory dollar.\n- Maximum fines and penalties were not treated as automatic awards.\n- “Each violation” and “per incident” were not assigned unsourced debt, payment, month, or clause units.\n- A consent judgment was not treated as an admission unless its terms establish one.\n- A default or unopposed summary judgment was not represented as a modern contested appellate holding.\n- The 2017 licensing amendment was not silently inserted into the criminal statute.\n- A provider’s attorney connection, nonprofit status, noncustodial label, or remote location was not treated as exemption proof.\n- An OSBC complaint was not treated as adjudication, exhaustion, or limitations tolling.\n- No individual filing deadline, criminal exposure conclusion, recovery guarantee, provider approval, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, operational clearance, or publication-readiness conclusion is supplied.\n\n## PASS-06 conclusion\n\nKansas supplies a dense but separable enforcement stack. An unauthorized charge can void the agreement and require return; OSBC can discipline and impose administrative remedies; KCSOA violations are crimes and automatic KCPA deceptive acts; injured consumers have a direct KCSOA damages remedy; aggrieved KCPA consumers have an alternative damages-or-penalty remedy; public enforcers possess broader powers; and injunctions are separately available.\n\nThe critical unresolved items are not broad statutory gaps but remedy-specific precision gaps: the bona-fide-error standard, direct KCSOA limitations, standalone §50-1126(e) accrual, administrative incident units, duplicate-recovery offsets, the exact interaction of punitive-damages procedure, and the criminal statute’s stale “registered” exception. Those issues cannot be safely resolved by treating every violation as a $10,000 event, every payment as a new claim, every CSO license as criminal-registration status, or every statutory remedy as automatically cumulative in dollars.\n\nEND S_KS PASS-06.\n\n","tables":[{"headers":["Business model or status","KCSOA civil/administrative exposure","Direct private remedy","Separate criminal boundary","Important conditions"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Business model or status","KCSOA civil/administrative exposure","Direct private remedy","Separate criminal boundary","Important conditions"],["Custodial DMP receiving periodic consumer money for creditor distribution","Covered if serving a Kansas-resident individual and no exemption applies; OSBC licensing and remedy provisions apply","Injured consumer may proceed under K.S.A. 50-1133; KCPA crossover also applies","Potentially within both K.S.A. 50-1131 and the narrower K.S.A. 21-6502","The “registered” exception in §21-6502 remains unresolved after civil licensing amendments"],["Noncustodial debt-settlement negotiation","Can be covered by K.S.A. 50-1117(d)(3) even if provider does not distribute consumer principal","Same conditional private routes if consumer injury and other predicates are shown","Not automatically §21-6502 because that offense requires periodic payments to the adjuster for creditor distribution","Agreement architecture, actual money flows, and covered services remain fact-specific"],["Credit-improvement/credit-services model","Can be covered under K.S.A. 50-1117(d)(2)","Same conditional KCSOA/KCPA routes","§21-6502 generally does not fit merely because credit improvement is offered","Actual representations and federal overlap remain separate"],["Hybrid custody, negotiation, and credit-improvement model","Multiple functional branches may apply, but remedies do not multiply solely because several definitions are met","Injury, causation, and remedy-specific proof remain required","Custodial branch may implicate §21-6502; other branches do not automatically do so","No per-branch automatic penalty multiplier"],["Nonprofit provider","“Person” includes nonprofit entities","Same if covered and consumer injured","No nonprofit exception appears in §21-6502","Nonprofit status alone proves neither exemption nor liability"],["Remote provider serving Kansas resident","Physical Kansas office is not required by the civil coverage language","Same conditional routes","Criminal jurisdiction and offense facts require separate analysis","Remote label does not establish or defeat nexus"],["Kansas attorney acting within actual course and scope of Kansas practice and qualifying firm","May fall within K.S.A. 50-1116(b) exemption","KCSOA route may be unavailable if exemption is proven; KCPA may still apply to attorneys selling legal services","§21-6502 separately exempts debt adjusting incidental to lawful Kansas law practice","Signature, ownership, attorney affiliation, or “law firm” name is insufficient by itself"],["Affiliate, administrator, processor, or lead source","No exemption or liability transfers automatically from another entity","Defendant status depends on the actual person’s conduct and statutory relationship","Separate entity and conduct must satisfy offense elements","Agency, control, compensation, and receipt facts remain essential"],["Entity borrower or non-Kansas individual","Not a KCSOA “consumer” under the resident-individual definition","Direct §50-1133 standing is not established merely from that status","Criminal statutes do not use the same consumer definition","KCPA definitions are broader and must be analyzed independently"]]},{"headers":["Route","Enforcer or claimant","Required defendant/status","Essential predicate","Available consequence","What is not automatic"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Route","Enforcer or claimant","Required defendant/status","Essential predicate","Available consequence","What is not automatic"],["K.S.A. 50-1126(e)","Statutory obligation; private enforcement vehicle depends on claim asserted","Licensee/provider that received unauthorized fee, charge, fund, or payment","Unauthorized amount; no accidental-and-bona-fide error","Agreement void; unauthorized amount returned","Private damages, KCPA penalty, punitive damages, or criminal liability"],["K.S.A. 50-1127 discipline","State Bank Commissioner","Applicant/licensee","One enumerated disciplinary ground; notice and KAPA hearing opportunity","Denial, suspension, revocation, or refusal to renew","Revocation for every single technical violation"],["K.S.A. 50-1128 supervision","Commissioner/OSBC","Licensee or other relevant person","Investigation, examination, deceptive/dishonest/violative or harmful conduct, record demands, or other statutory trigger","Investigation, examination, subpoenas, supervisory directions, settlements, trust-fund seizure/distribution","Consumer damages judgment"],["K.S.A. 50-1129 order","Commissioner","Any person engaged, engaging, or about to engage in a violation","Commissioner determination after notice and opportunity for KAPA hearing, except emergency route","Cease-and-desist, fines, restitution or disgorgement, interest, affirmative action, licensing bar","Every listed remedy in every case or maximum fine automatically"],["Emergency OSBC order","Commissioner","Person subject to threatened or ongoing violation","Written findings that delay will irreparably harm public interest","Immediate cease-and-desist pending requested or commissioner-ordered hearing","Final merits judgment without later procedure"],["K.S.A. 50-1131 crime","State prosecutor","Any person violating Act or regulations","Criminal proof of violation plus applicable criminal culpability principles","Class B nonperson misdemeanor conviction","Civil liability automatically proving guilt"],["K.S.A. 50-1133 damages","Consumer injured by violation","Violating CSO/person within the Act","Coverage, violation, injury, causation","Damages floor, reasonable fees/costs, possible punitive damages","Recovery by an uninjured consumer or punitive damages merely from violation"],["K.S.A. 50-1134 injunction","Commissioner, AG, county/district attorney, or consumer","Person committing or threatening violation","Statutory violation and applicable equitable/standing requirements","Injunction","Monetary recovery under this section alone"],["KCPA private §50-634","Aggrieved KCPA consumer","Supplier in consumer transaction","KCPA violation plus aggrievement/causal injury","Declaratory/injunctive relief; damages or civil penalty, whichever greater; discretionary fees","Both private damages and alternative KCPA penalty for same claim"],["KCPA government §50-632","AG, county attorney, district attorney","Supplier","KCPA violation or threatened violation","Declaration, injunction, consumer compensation, restitution through consent judgment, receiver/sequestration, licensing/business restrictions, penalties, expenses","Aggrieved private consumer as a required party"],["Separate debt-adjusting crime §21-6502","State prosecutor","Person knowingly operating specified periodic-payment/distribution business","Every narrow offense element; no applicable exception","Class B misdemeanor","Coverage of every noncustodial negotiator or neutral counselor"]]},{"headers":["Question","PASS-06 result"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Question","PASS-06 result"],["Does the subsection direct return of the unauthorized amount?","Yes, absent accidental bona fide error"],["Does it make the whole agreement void?","Yes, under its express text when the exception does not apply"],["Does the section itself award attorney fees?","No"],["Does it itself award punitive damages?","No"],["Does it create a stated standalone private cause of action?","Not expressly; a consumer may use the direct KCSOA, KCPA, declaratory, injunctive, or other legally available route, but each has its own predicates"],["Does later repayment necessarily erase the violation?","Not stated"],["Does accidental bona fide error make the charge affirmatively lawful?","Not stated"],["Is there a general provider cure period?","No such period was located"],["Is all money paid under the agreement automatically the “unauthorized amount”?","No; the amount must be classified"],["Is the statutory return necessarily additional to the same dollar recovered as compensatory damages?","No automatic duplicate recovery is established"]]},{"headers":["Remedy or sanction","Formula or ceiling","Unit","Mandatory or discretionary","Principal limits"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Remedy or sanction","Formula or ceiling","Unit","Mandatory or discretionary","Principal limits"],["K.S.A. 50-1126(e) return","Exact unauthorized fee, charge, fund, or payment","Unauthorized amount","Mandatory if subsection applies and no accidental bona fide error","Not automatically all money paid"],["Direct KCSOA damages floor","Not less than amount paid to CSO + reasonable fees/costs","Consumer/action","Mandatory floor after injury and liability established","Same paid dollar should not be assumed recoverable twice"],["KCSOA punitive damages","Subject to applicable punitive-damages framework","Award","Discretionary","Clear and convincing culpability; statutory caps"],["OSBC ordinary fine","Up to $10,000","Per incident","Discretionary","“Incident” not statutorily defined"],["OSBC elder/disabled enhancement","Additional up to $10,000","Each violation","Discretionary","Elder or disabled only under cross-reference"],["OSBC restitution","Proven loss","Order","Discretionary","Alternative wording with disgorgement"],["OSBC disgorgement","Proven profit","Order","Discretionary","Alternative wording with restitution"],["OSBC interest","Up to 8% per year from violation","Time/value","Discretionary","Not automatically 8%"],["Private KCPA remedy","max(proved damages, court-set penalty)","Private claim","Court-determined","Damages and penalty are alternatives"],["KCPA ordinary civil penalty","Up to $10,000","Each legally proved violation","Court-determined","Unit requires actual legal/factual basis"],["KCPA protected-consumer enhancement","Additional up to $10,000","Each violation","Court-determined","Broader protected-consumer definition"],["Willful violation of KCPA court order","Additional up to $20,000","Per violation","Court-determined","Requires willful court-order violation"],["KCSOA or debt-adjusting misdemeanor confinement","Up to 6 months","Conviction","Sentencing discretion","Criminal proof required"],["Class B misdemeanor fine","Up to $1,000","Conviction","Sentencing discretion","Alternative up to twice pecuniary gain"],["Ordinary punitive cap","Lesser of highest annual gross income in preceding five years or $5 million","Award","Statutory cap","Net-worth/profit alternatives may apply"]]},{"headers":["Claim or proceeding","Best-supported period","Trigger/accrual","Discovery rule or tolling","Confidence and limits"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim or proceeding","Best-supported period","Trigger/accrual","Discovery rule or tolling","Confidence and limits"],["Private KCPA damages/alternative penalty","3 years under K.S.A. 60-512(2)","When consumer becomes aggrieved/suffers legal harm","No general KCPA discovery rule; statutory tolling may apply in proper facts","High under Alexander and Florez"],["Direct KCSOA damages under §50-1133","Likely 3 years under §60-512(2)","Likely when violation causes injury","No KCSOA-specific discovery holding located","Medium; evidence-based classification, not controlling holding"],["Standalone §50-1126(e) voidness/return","Unresolved","Could depend on statutory liability, declaratory relief, restitution, or accompanying claim","Unresolved","Held"],["Consumer KCSOA injunction under §50-1134","No specific period located","Threatened/ongoing violation and standing","Laches/equitable rules may matter","Held"],["OSBC licensing or remedial enforcement merits","No express general limitations period located in reviewed provisions","Statutory ground or violation","Agency delay and due process not fully examined","Held"],["Judicial review of final OSBC order","Generally 30 days after service","Service of final order","Timely reconsideration changes trigger; mail/electronic service adds 3 days","High, subject to exact order/service"],["KAPA reconsideration","15 days after service","Service of final order","Generally optional; agency has 20 days to act","High"],["Official AG KCPA action","General civil limitations did not run in BHD Bank","Government enforcement","Subject to any specific statutory limit not examined there","Published COA holding; current full limits audit not performed"],["KCSOA §50-1131 prosecution","Default 5 years","Offense completion","Statutory criminal exclusions","High general rule; offense-specific accrual facts needed"],["Debt-adjusting §21-6502 prosecution","Default 5 years","Completion of all elements, unless continuing-offense rule applies","Statutory criminal exclusions","High general rule; unit/continuation unresolved"],["Bond","Statute has two-year liability/tail language","Act/inaction and license-end events","Not established as complete claim-filing deadline","Boundary only; PASS-04 unreviewed"],["Ordinary debt collection claim","Excluded","—","—","Outside PASS-06"]]},{"headers":["Authority","Court/status","Material holding for PASS-06","Posture and limitation"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Court/status","Material holding for PASS-06","Posture and limitation"],["Alexander v. Certified Master Builders Corp.","Kansas Supreme Court, 2000","Private KCPA damages/alternative-penalty action uses three-year §60-512(2); damages and penalty are alternatives","Certified question; current penalty ceiling has since changed"],["Finstad v. Washburn University","Kansas Supreme Court, 1993","Private consumer must be aggrieved and show causal connection; government need not","Summary judgment; reliance discussed as causation evidence"],["Via Christi Regional Medical Center v. Reed","Kansas Supreme Court, 2013","Monetary loss not always needed for aggrievement; one aggregate bill/lien transaction was not hundreds","Remand; did not finally set KCPA penalty"],["Florez v. Ginsberg","Published Kansas Court of Appeals, 2019","Three-year KCPA period accrues at legal harm, not later discovery; distinct later harms may accrue separately","Pleading-stage limitations decision"],["State ex rel. Stephan v. BHD Bank","Published Kansas Court of Appeals, 1982","General limitations did not bar official AG KCPA enforcement","Government route only; not private limitations holding"],["Consumer Law Associates v. Stork","Published Kansas Court of Appeals, 2012","Agency exhaustion/KJRA route required before collateral declaratory challenge to OSBC authority","Did not decide provider liability or penalty merits; old exemption wording later clarified"],["Hays v. Ruther","Kansas Supreme Court, 2013, certified questions","KCPA applies to attorneys selling services; attorney-license restrictions remain Supreme Court province; older KCSOA firm-exemption question answered","No actual defendant exemption or remedy liability adjudicated"],["Nazar v. Allied Consumer Services","U.S. Bankruptcy Court, D. Kansas, 2012","Registration-era provider held liable for direct KCSOA damages and two KCPA penalties","Defective answer/default and properly supported unopposed summary judgment; no modern contested licensing interpretation"],["Packard v. Credit Solutions of America","Published Kansas Court of Appeals, 2009","Under FAA severability, challenge that entire contract was void for KCSOA illegality went first to arbitrator","Did not decide underlying KCSOA merits or remedies"],["Williamson v. Hailstone Legal Group","U.S. Bankruptcy Court, D. Kansas, signed/filed Nov. 5, 2025","KCSOA and KCPA counts survived dismissal; attorney/law-firm exemption treated as fact-dependent","Rule 12(b)(6); no final liability, damages, fee-return, or exemption determination"]]},{"headers":["Branch","Result"],"index":6,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Branch","Result"],["Error qualification established","Automatic §50-1126(e) void-and-return consequence is not established by that subsection"],["Error qualification not established","Agreement is void and $200 must be returned"],["Prompt repayment occurred","Relevant fact, but no statutory cure or immunity is established"],["Separate misleading representation or other violation","Must be analyzed independently"]]},{"headers":["Source ID","Authority and full literal URL","Exact material read or pinpoint","Version/status/access and limits"],"index":7,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/?utm_source=chatgpt.com","text":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","text":"Kansas Legislature\n+5"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf?utm_source=chatgpt.com","text":"https://osbckansas.gov/legal/cso_2026.pdf"},{"href":"https://osbckansas.gov/legal/cso_2026.pdf","text":"Kansas Bank 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Law"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/2013/108351.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/kansas/supreme-court/2013/108351.html"},{"href":"https://law.justia.com/cases/kansas/supreme-court/2013/108351.html","text":"Justia Law\n+1"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf?utm_source=chatgpt.com","text":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","text":"District of Kansas Bankruptcy Court"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html","text":"Justia Law"}],[{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf?utm_source=chatgpt.com","text":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf"},{"href":"https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","text":"District of Kansas Bankruptcy Court"}]],"rows":[["Source ID","Authority and full literal URL","Exact material read or pinpoint","Version/status/access and limits"],["S_KS-P6-S001","Kansas Revisor, current KCSOA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/","Complete material text of scope/exemption, definitions, licensing, bond limitations boundary, §50-1126(e), §§50-1127–50-1134","Fresh Oct. 26, 2026. Pages label themselves 2026 statutes. Site update timestamps are not enactment dates. Selected provisions only, not a complete Article 11 amendment audit. Prior aliases include P1-S002 and claims P1-C029/P1-C041. \nKansas Legislature\n+5"],["S_KS-P6-S002","Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act:\nhttps://osbckansas.gov/legal/cso_2026.pdf","§50-1126(e) and §50-1127: PDF page 14/index 13/printed CSO Statutes 13; §50-1128: PDF pages 15–17/indices 14–16/printed 14–16; §50-1129: PDF pages 17–18/indices 16–17/printed 16–17; §§50-1130–1132: PDF page 19/index 18/printed 18; §§50-1133–1135: PDF page 20/index 19/printed 19","Fresh parsed and visually checked. File has 22 PDF pages. Official agency compilation; Revisor controls codification. Prior direct-rule endpoint 405 remains access history, not proof of no other rule. Corrected P2 page system controls. \nKansas Bank Commissioner\n+6"],["S_KS-P6-S003","Kansas Revisor, current criminal and sentencing provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/","Complete §21-6502; material §§21-5202, 21-5107, 21-6602, 21-6611","Fresh Oct. 26, 2026. Current codified primary text. Prior alias P1-S003 for §21-6502. \nKansas Legislature\n+4"],["S_KS-P6-S004","2010 Kansas Session Laws, ch. 136:\nhttps://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf","New §233, debt adjusting: PDF pages 95–96, zero-based indices 94–95; no reliable printed-page number visible in the reproduced scan","Fresh selected historical read and screenshots. Establishes 2010 enactment of current “registered” exception wording; not a complete chapter read. \nKansas Legislature\n+1"],["S_KS-P6-S005","2017 Kansas Session Laws, vol. 1, ch. 52:\nhttps://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","Selected civil KCSOA registration-to-license amendments: PDF pages 308–309, indices 307–308, printed pages 298–299; amended/repealed list and effective clause: PDF page 322/index 321/printed 312","Fresh selected check plus prior P2 evidence-backed reading. K.S.A. 21-6502 was not among identified amendments. Approved April 18, 2017; effective upon statute-book publication, with July 1 publication/authentication previously checked. Not a full volume or post-2017 audit. \nKansas Secretary of State\n+2"],["S_KS-P6-S006","Kansas Revisor, current KCPA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/","Definitions, waiver, deceptive/unconscionable acts, government/private remedies, application, penalties, cumulative remedies, protected consumers","Fresh Oct. 26, 2026. Current selected code; no exhaustive KCPA amendment audit. \nKansas Legislature\n+9"],["S_KS-P6-S007","Kansas Revisor, civil limitations and time computation:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Three-year statutory liability, tort/fraud, one-year penalty, legal disability, absence/concealment, day computation","Fresh selected read. No provider-specific accrual facts examined. \nKansas Legislature\n+3"],["S_KS-P6-S008","Kansas Revisor, punitive damages:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/","Complete material §60-3702; pleading procedure in §60-3703","Fresh selected read. No KCSOA-specific appellate interpretation of full interaction located. \nKansas Legislature\n+1"],["S_KS-P6-S009","Kansas Revisor, KAPA/KJRA:\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/","Final-order contents, 15-day reconsideration, emergency orders, exhaustion, 30-day review and service rules","Fresh Oct. 26, 2026. Actual order can state controlling instructions and another statute may alter defaults. \nKansas Legislature\n+4"],["S_KS-P6-S010","Kansas OSBC, Consumer Complaint Form:\nhttps://osbckansas.gov/consumer-complaint-form/","Public submission route and supporting-document instructions","Fresh. Operational complaint material only; not statutory tolling, adjudication, or private legal advice. \nKansas Bank Commissioner"],["S_KS-P6-S011","Kansas OSBC, 2026 Administrative Interpretations:\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Outline PDF page 1/index 0; bounded searches for 50-1129, 50-1133, 21-6502, debt adjusting, and CSO-remedy terms","Fresh bounded check. No pertinent published entry located. No-match does not prove absence of unpublished or differently indexed authority. \nKansas Bank Commissioner"],["S_KS-P6-S012","Kansas OSBC, 2026 Guidance Documents:\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Outline PDF page 1/index 0; relevant general guidance begins PDF page 2/index 1","Fresh bounded check. No remedy/registration-wording reconciliation found. Guidance is not a final order. \nKansas Bank Commissioner\n+1"],["S_KS-P6-S013","Kansas Attorney General complaint and opinions pages:\nhttps://www.ag.ks.gov/file-a-complaint\nhttps://www.ag.ks.gov/reports-resources/ag-opinions","Complaint page discovered but direct route returned 403 in this session; opinions index and focused searches used as discovery","Failed/limited. No opinion resolving §21-6502’s “registered” wording was located; this is not proof none exists. \nKansas Department of Agriculture\n+1"],["S_KS-P6-S014","Alexander v. Certified Master Builders Corp., 268 Kan. 812 (2000):\nhttps://law.justia.com/cases/kansas/supreme-court/2000/83604.html","Limitations and alternative-remedy analysis, displayed lines 186–228","Fresh read. Kansas Supreme Court; controlling private KCPA limitations analysis. Current penalty ceiling differs from historical amount quoted in case. \nJustia Law"],["S_KS-P6-S015","Finstad v. Washburn University, 252 Kan. 465 (1993):\nhttps://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html","Aggrievement, causal connection, private/government distinction, displayed lines 81–133","Fresh read. Kansas Supreme Court. \nJustia Law"],["S_KS-P6-S016","Via Christi Regional Medical Center, Inc. v. Reed, 298 Kan. 503 (2013):\nhttps://law.justia.com/cases/kansas/supreme-court/2013/101690.html","Aggrievement lines 145–153; transaction/claim count lines 198–205","Fresh read. Kansas Supreme Court; remanded KCPA claims rather than setting final penalty. \nJustia Law\n+1"],["S_KS-P6-S017","Florez v. Ginsberg, 57 Kan. App. 2d 207 (2019):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html","KCPA accrual and limitations, displayed lines 96–108","Fresh read. Published Court of Appeals decision; pleading-stage context. \nJustia Law\n+2"],["S_KS-P6-S018","State ex rel. Stephan v. BHD Bank & Trust Co., 8 Kan. App. 2d 57 (1982):\nhttps://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html","Official-enforcement limitations discussion, displayed lines 68–116","Fresh read. Published Court of Appeals decision; government route, not private claim. Full current citator not performed. \nJustia Law"],["S_KS-P6-S019","Consumer Law Associates, LLC v. Stork, 47 Kan. App. 2d 208 (2012):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html","Exhaustion/KJRA discussion, displayed lines 54–84","Fresh read. Published Court of Appeals; did not decide merits. Older exemption reasoning must be read with Hays. \nJustia Law"],["S_KS-P6-S020","Hays v. Ruther, 298 Kan. 402 (2013):\nhttps://law.justia.com/cases/kansas/supreme-court/2013/108351.html","Syllabus/remedy boundary and attorney regulation lines 62–80, 96–98","Fresh selected read. Kansas Supreme Court certified-question decision; no factual liability adjudication. Official prior route remained 403. \nJustia Law\n+1"],["S_KS-P6-S021","Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33:\nhttps://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Procedure/facts: PDF pages 1–4/indices 0–3; remedies: PDF pages 6–8/indices 5–7, printed pages 6–8","Fresh selected PDF read; screenshots previously used. Signed/filed April 16, 2012. Registration-era, default and supported unopposed summary judgment; not controlling appellate authority. \nDistrict of Kansas Bankruptcy Court"],["S_KS-P6-S022","Packard v. Credit Solutions of America, Inc., 42 Kan. App. 2d 382 (2009):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html","FAA severability/arbitrability discussion, displayed lines 104–115","Fresh selected read. Did not decide KCSOA liability or remedy merits. \nJustia Law"],["S_KS-P6-S023","Williamson v. Hailstone Legal Group, LLC, Adv. No. 25-05004, Doc. 46:\nhttps://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","Signed/filed page 1/index 0; allegations printed page 4/index 3; Counts II/III analysis printed pages 6–9/indices 5–8","Fresh PDF access; prior P2 complete parsed-text read preserved. Motion-to-dismiss stage; no final liability, fee-return, exemption, or damages ruling. \nDistrict of Kansas Bankruptcy Court"]]},{"headers":["Claim ID","Precise claim","Sources/pinpoints","Conditions, exceptions, consequence, and confidence"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise claim","Sources/pinpoints","Conditions, exceptions, consequence, and confidence"],["S_KS-P6-C001","KCSOA contains three functional coverage branches and defines consumer as a Kansas-resident individual.","S001, §§50-1117(b), (d)","High. Coverage facts remain model-specific."],["S_KS-P6-C002","KCPA consumer and transaction definitions are broader and cannot be imported into direct KCSOA standing.","S006, §50-624","High."],["S_KS-P6-C003","Attorney exemption requires actual Kansas practice and qualifying firm relationship, not label or signature.","S001 §50-1116; S020; S023","High conditional rule."],["S_KS-P6-C004","Unauthorized payment makes agreement void and must be returned absent accidental bona fide error.","S001 §50-1126(e)","High; alias P1-C029."],["S_KS-P6-C005","Section 50-1126(e) supplies no express cure period or burden-allocation rule.","S001 §50-1126(e)","High bounded reading; interpretation unresolved."],["S_KS-P6-C006","Section 50-1126(e) does not itself state an attorney-fee, punitive, or civil-penalty award.","S001 §50-1126(e)","High."],["S_KS-P6-C007","OSBC discipline under §50-1127 requires an enumerated ground and notice/hearing opportunity.","S001 §50-1127","High."],["S_KS-P6-C008","Repeated or willful violation is one disciplinary ground; other listed grounds are independently sufficient if proved.","S001 §50-1127","High."],["S_KS-P6-C009","OSBC has broad examination, subpoena, supervisory, settlement, and trust-fund powers.","S001 §§50-1128, 50-1130","High."],["S_KS-P6-C010","Informal action plans under §50-1128(o) are confidential, nonagency actions and inadmissible in private litigation.","S001 §50-1128(o)","High."],["S_KS-P6-C011","Formal §50-1129 relief follows notice and KAPA hearing opportunity, except emergency procedure.","S001 §50-1129","High."],["S_KS-P6-C012","Ordinary OSBC fine is up to $10,000 per incident.","S001 §50-1129(a)(2)","High; “incident” unresolved."],["S_KS-P6-C013","Additional OSBC penalty is up to $10,000 for each violation against an elder or disabled person.","S001 §50-1129(a)(3); S006 §50-676","High."],["S_KS-P6-C014","OSBC may order restitution for loss or disgorgement of profit and interest up to 8% annually.","S001 §50-1129(a)(4)","High; discretionary and alternative wording."],["S_KS-P6-C015","Emergency order requires written irreparable-harm findings and permits a requested hearing, but no request deadline is stated.","S001 §50-1129(b)","High text; request deadline held."],["S_KS-P6-C016","KCSOA violation or regulatory violation is a class B nonperson misdemeanor upon conviction.","S001 §50-1131","High."],["S_KS-P6-C017","General criminal culpability applies absent a specific KCSOA interpretation; exact §50-1131 mens rea remains unresolved.","S003 §21-5202","Medium."],["S_KS-P6-C018","Every KCSOA violation is statutorily a deceptive KCPA act.","S001 §50-1132","High."],["S_KS-P6-C019","KCSOA remedies are additional to KCPA remedies but no text authorizes duplicate compensation for the identical loss.","S001 §§50-1132–1133; S021","High on cumulative text; duplicate-recovery mechanics unresolved."],["S_KS-P6-C020","Direct KCSOA damages require a consumer injured by the violation.","S001 §50-1133(a)","High."],["S_KS-P6-C021","Direct damages cannot be less than amount paid to CSO plus reasonable fees and costs.","S001 §50-1133(a)","High."],["S_KS-P6-C022","Punitive damages are permitted but not automatic.","S001 §50-1133(b); S008","High."],["S_KS-P6-C023","Commissioner, AG, county/district attorney, or consumer may seek an injunction under §50-1134.","S001 §50-1134","High; ordinary standing still applies."],["S_KS-P6-C024","Private KCPA relief requires an aggrieved consumer and causal legal injury.","S006 §50-634; S015","High."],["S_KS-P6-C025","A deceptive violation can exist without actual misleading, but private relief still requires aggrievement.","S006 §50-626; S015","High."],["S_KS-P6-C026","Measurable monetary loss is not always needed; direct impairment of a legal/economic right can suffice.","S016","High."],["S_KS-P6-C027","Reliance is not universally stated as an element but can prove causal connection.","S015; S017","High nuanced proposition."],["S_KS-P6-C028","Private KCPA monetary award is damages or civil penalty, whichever is greater.","S006 §50-634(b); S014","High."],["S_KS-P6-C029","Current KCPA penalty ceiling is $10,000 for each proved violation and set by court.","S006 §50-636(a)","High."],["S_KS-P6-C030","A continuing nontransaction-specific practice can be a separate daily violation under §50-636(d).","S006 §50-636(d)","High; narrow condition."],["S_KS-P6-C031","Transaction/violation units are fact-specific; aggregate entries are not automatically separate transactions.","S016","High as Via Christi application."],["S_KS-P6-C032","KCPA private damages/penalty are not available as a class action; class damages require narrow §50-634(d) predicates.","S006 §50-634","High."],["S_KS-P6-C033","KCPA prevailing-consumer fees are discretionary; prevailing supplier fees require known groundlessness.","S006 §50-634(e)","High."],["S_KS-P6-C034","Government KCPA enforcement does not require an aggrieved consumer.","S006 §§50-632, 50-636; S015","High."],["S_KS-P6-C035","Consent judgment is not an admission unless its terms say so and requires court approval.","S006 §50-632(b)","High."],["S_KS-P6-C036","KCPA contains no blanket professional or regulated-entity exemption in §50-635.","S006 §50-635; S020","High bounded reading."],["S_KS-P6-C037","KCPA applies to attorneys selling services, while attorney-license restraint belongs to Kansas Supreme Court.","S020","High controlling boundary."],["S_KS-P6-C038","KCPA protected-consumer enhancement reaches more categories than KCSOA’s elder/disabled administrative enhancement.","S006 §§50-676–679; S001 §50-1129","High."],["S_KS-P6-C039","Debt-adjusting crime requires knowing periodic payment to adjuster for distribution among specified creditors for consideration.","S003 §21-6502(a)","High."],["S_KS-P6-C040","Noncustodial negotiation does not automatically satisfy §21-6502.","S003 §21-6502","High on assumed facts."],["S_KS-P6-C041","Section 21-6502 retains a “registered” CSO exception despite 2017 civil licensing amendments.","S003; S004; S005","High textual/history finding."],["S_KS-P6-C042","No current public authority resolving registration/license mismatch was located.","S011–S013 and focused searches","Bounded negative only."],["S_KS-P6-C043","Class B misdemeanor permits up to six months and generally $1,000 fine or alternative up to twice gain.","S003 §§21-6602, 21-6611","High."],["S_KS-P6-C044","Default criminal prosecution period is five years, subject to exclusions and offense-completion rules.","S003 §21-5107","High general rule."],["S_KS-P6-C045","Private KCPA damages/alternative-penalty action uses a three-year period.","S007 §60-512; S014","High."],["S_KS-P6-C046","Private KCPA accrues at legal harm/aggrievement, not later discovery.","S017","High."],["S_KS-P6-C047","Distinct later violations and harms may accrue separately; payments do not automatically restart all claims.","S017","High with factual condition."],["S_KS-P6-C048","Direct §50-1133 claim is most plausibly subject to three-year statutory-liability period, but no controlling specific case was found.","S001 §50-1133; S007 §60-512","Medium."],["S_KS-P6-C049","Standalone limitation and accrual for §50-1126(e) voidness/return remain unresolved.","S001 §50-1126(e); S007","Held."],["S_KS-P6-C050","Consumer injunction limitations/laches under §50-1134 remain unresolved.","S001 §50-1134","Held."],["S_KS-P6-C051","General limitations did not bar official AG KCPA enforcement in BHD Bank.","S018","High for case holding; not universal government rule."],["S_KS-P6-C052","KCSOA §§50-1127–1129 contain no express general enforcement limitation in reviewed text.","S001","High bounded reading."],["S_KS-P6-C053","KJRA review generally requires 30 days after service; reconsideration generally 15 days and optional; mail/electronic adds 3 days.","S009","High subject to actual order/statute."],["S_KS-P6-C054","Administrative exhaustion applies to challenges to OSBC action, as in Stork, not automatically to ordinary private damages claims.","S009; S019","High distinction."],["S_KS-P6-C055","OSBC complaint submission is not a judgment, private exhaustion requirement, or verified tolling event.","S010","High bounded procedural conclusion."],["S_KS-P6-C056","Nazar demonstrates cumulative relief on its record but not a universal penalty or stacking formula.","S021","High with procedural/historical limitations."],["S_KS-P6-C057","Packard sends whole-contract illegality challenge to arbitrator under its FAA circumstances; it did not decide merits.","S022","High case-specific holding."],["S_KS-P6-C058","Williamson is pleading-stage only and supplies no final remedy or exemption determination.","S023","High."],["S_KS-P6-C059","Bond’s two-year liability/tail language is not proven to be a universal claim-filing period.","S001 §50-1119","High boundary; PASS-04 otherwise unreviewed."],["S_KS-P6-C060","No component, provider, operational, state, parent, or A066 acceptance follows from this remedies pass.","Scope/provenance","High project-status statement."]]},{"headers":["Component","Status","Claims","Exact missing evidence or next action"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claims","Exact missing evidence or next action"],["KCSOA scope needed for remedies","Answered at rule level","C001–C003","Actual provider/entity/service facts remain"],["Unauthorized-charge voidness","Answered","C004","—"],["Unauthorized amount calculation","Fact-dependent","C004–C006","Actual payment ledger and fee classification"],["Bona-fide-error definition","Unresolved","C005","Controlling case, OSBC order, or formal interpretation"],["Bona-fide-error burden","Unresolved","C005","Same"],["Cure/revival after refund","Unresolved","C005–C006","Case law or formal order"],["Private enforcement of §50-1126(e)","Partial","C006, C020–C023","Cause-of-action/remedy-specific precedent"],["License discipline grounds","Answered","C007–C008","Provider-specific adjudication later"],["OSBC examination/investigation","Answered","C009","Examination manual and actual order files not obtained"],["Confidential action plan","Answered","C010","—"],["Formal cease-and-desist","Answered","C011","Actual order findings required"],["Emergency order","Answered at statute level","C015","Hearing-request deadline absent"],["Ordinary administrative fine","Answered ceiling only","C012","“Incident” interpretation and actual discretion"],["Elder/disabled enhancement","Answered ceiling only","C013","Actual protected status and violation unit"],["Restitution/disgorgement","Answered at authority level","C014","Election, calculation, and double-counting precedent"],["Administrative interest","Answered ceiling only","C014","Actual rate and compounding method not stated"],["KCSOA criminal offense","Answered at text level","C016–C017","Mens rea precedent and charging practice"],["Direct consumer injury requirement","Answered","C020","Actual causation facts"],["Direct damages floor","Answered","C021","Treatment of returned amounts and offsets unresolved"],["Attorney fees/costs under §50-1133","Answered at text level","C021","Reasonableness and prevailing-party procedure later"],["Punitive entitlement","Partial","C022","KCSOA-specific interaction with §§60-3702–3703"],["Punitive amount caps","Answered generally","C022","Actual income/net worth/profit evidence"],["KCSOA injunction","Answered at claimant level","C023","Standing, laches, and limitations unresolved"],["KCPA crossover","Answered","C018–C019","—"],["KCPA consumer/transaction","Answered generally","C002","Actual business/entity facts"],["Private KCPA aggrievement","Answered","C024–C027","Actual legal harm and causal proof"],["Reliance","Answered as nonuniversal causation evidence","C027","Claim-specific facts"],["Private damages/penalty election","Answered","C028","—"],["Current civil-penalty ceiling","Answered","C029","Court discretion and unit remain"],["Per-violation unit","Partial","C029–C031","Provider-specific transactions, acts, and findings"],["Continuing daily violation","Answered narrowly","C030","Whether conduct is untied to identifiable transaction"],["KCPA class declaratory/injunctive relief","Answered","C032","Class certification and procedure later"],["KCPA class damages","Answered at threshold","C032","Prior judgment/consent and specific-act predicates"],["KCPA attorney fees","Answered","C033","Amount and prevailing-party facts"],["AG/county/district remedies","Answered","C034–C035","Actual enforcement file/order later"],["Consent judgment evidentiary effect","Answered","C035","Terms of actual judgment control"],["Professional/regulated exemption","No blanket exemption found","C036–C037","Entity-specific statutes/preemption still open"],["Attorney remedy boundary","Answered generally","C037","Actual practice/exemption and remedy sought"],["Protected-consumer enhancement","Answered","C038","Actual status and violation proof"],["Debt-adjusting elements","Answered","C039–C040","Actual custody/periodic/distribution facts"],["Registration/license mismatch","Unresolved","C041–C042","Full AG archive, prosecution dockets, OSBC orders, legislative history"],["Debt-adjusting law-practice exception","Partial","C039–C042","Actual lawful Kansas practice and entity relationship"],["Criminal sentence ceiling","Answered generally","C043","Sentencing facts"],["Criminal prosecution limitation","Answered generally","C044","Offense date, continuity, concealment, commencement facts"],["Private KCPA limitation","Answered","C045–C047","Actual accrual/tolling facts"],["Direct KCSOA limitation","Partial/inferred","C048","Controlling §50-1133 limitations decision"],["§50-1126(e) limitation","Unresolved","C049","Cause-of-action characterization and precedent"],["Injunction limitation/laches","Unresolved","C050","Controlling equitable-limit authority"],["Government KCPA limitation","Partial","C051","Current full citator and any specific statutory limits"],["OSBC merits limitation","Unresolved","C052","Formal orders/cases addressing agency delay"],["KJRA review deadline","Answered generally","C053","Actual final order and service method"],["Administrative exhaustion","Answered generally","C054","Particular claim and adequacy/irreparable-harm facts"],["OSBC complaint process","Answered operationally","C055","Internal complaint handbook/enforcement outcome unavailable"],["AG complaint process","Access-limited","—","Direct page returned 403; no complaint filed"],["Public OSBC final CSO orders","Not located in bounded search","C042, C052","Complete enforcement docket and archival request—not performed"],["Nazar remedy holding","Answered with limits","C056","No current contested appellate treatment"],["Packard arbitration boundary","Answered with limits","C057","Actual arbitration clause/challenge later"],["Williamson remedy merits","Not decided","C058","Later docket/final disposition not reviewed in this pass"],["Full case citator","Not performed","—","Kansas/federal citator and unpublished dispositions"],["Bond claims and limitation","Excluded except boundary","C059","PASS-04 remains separately unreviewed"],["Funds/trust remedies","Excluded","—","PASS-03 remains separately unreviewed"],["Agreement remedies/enforceability","Excluded except necessary cases","—","PASS-05 remains separately unreviewed"],["Federal TSR/CROA remedies","Not rerun","—","Actual federal coverage/private-right/enforcement pass later"],["CFPA/FTC/CFPB enforcement","Excluded","—","Separate federal pass"],["Bankruptcy avoidance/estate standing","Excluded except case posture","—","Separate bankruptcy/remedies pass"],["Collection, garnishment, secured sectors","Excluded","—","Later passes"],["Ordinary debt limitations","Excluded","—","Later collection/contract pass"],["Local, tribal, country law","Excluded","—","Later jurisdiction passes"],["Actual provider authorization/liability","Not evaluated","C060","Requires provider identity, contracts, license, payments, orders, and facts"],["Component/state/parent/A066 acceptance","Not evaluated","C060","No acceptance follows"]]}],"claims":[{"claim_id":"S_KS-P6-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C001","Precise claim":"KCSOA contains three functional coverage branches and defines consumer as a Kansas-resident individual.","Sources/pinpoints":"S001, §§50-1117(b), (d)","Conditions, exceptions, consequence, and confidence":"High. Coverage facts remain model-specific."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C002","Precise claim":"KCPA consumer and transaction definitions are broader and cannot be imported into direct KCSOA standing.","Sources/pinpoints":"S006, §50-624","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C003","Precise claim":"Attorney exemption requires actual Kansas practice and qualifying firm relationship, not label or signature.","Sources/pinpoints":"S001 §50-1116; S020; S023","Conditions, exceptions, consequence, and confidence":"High conditional rule."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C004","Precise claim":"Unauthorized payment makes agreement void and must be returned absent accidental bona fide error.","Sources/pinpoints":"S001 §50-1126(e)","Conditions, exceptions, consequence, and confidence":"High; alias P1-C029."},"coordinator_verification_status":"targeted_corrected_or_qualified_by_P16_with_limits","coordinator_review":"[internal evidence reference]","correction_resolution":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C005","Precise claim":"Section 50-1126(e) supplies no express cure period or burden-allocation rule.","Sources/pinpoints":"S001 §50-1126(e)","Conditions, exceptions, consequence, and confidence":"High bounded reading; interpretation unresolved."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C006","Precise claim":"Section 50-1126(e) does not itself state an attorney-fee, punitive, or civil-penalty award.","Sources/pinpoints":"S001 §50-1126(e)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C007","Precise claim":"OSBC discipline under §50-1127 requires an enumerated ground and notice/hearing opportunity.","Sources/pinpoints":"S001 §50-1127","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C008","Precise claim":"Repeated or willful violation is one disciplinary ground; other listed grounds are independently sufficient if proved.","Sources/pinpoints":"S001 §50-1127","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C009","Precise claim":"OSBC has broad examination, subpoena, supervisory, settlement, and trust-fund powers.","Sources/pinpoints":"S001 §§50-1128, 50-1130","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C010","Precise claim":"Informal action plans under §50-1128(o) are confidential, nonagency actions and inadmissible in private litigation.","Sources/pinpoints":"S001 §50-1128(o)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C011","Precise claim":"Formal §50-1129 relief follows notice and KAPA hearing opportunity, except emergency procedure.","Sources/pinpoints":"S001 §50-1129","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C012","Precise claim":"Ordinary OSBC fine is up to $10,000 per incident.","Sources/pinpoints":"S001 §50-1129(a)(2)","Conditions, exceptions, consequence, and confidence":"High; “incident” unresolved."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C013","Precise claim":"Additional OSBC penalty is up to $10,000 for each violation against an elder or disabled person.","Sources/pinpoints":"S001 §50-1129(a)(3); S006 §50-676","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C014","Precise claim":"OSBC may order restitution for loss or disgorgement of profit and interest up to 8% annually.","Sources/pinpoints":"S001 §50-1129(a)(4)","Conditions, exceptions, consequence, and confidence":"High; discretionary and alternative wording."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C015","Precise claim":"Emergency order requires written irreparable-harm findings and permits a requested hearing, but no request deadline is stated.","Sources/pinpoints":"S001 §50-1129(b)","Conditions, exceptions, consequence, and confidence":"High text; request deadline held."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C016","Precise claim":"KCSOA violation or regulatory violation is a class B nonperson misdemeanor upon conviction.","Sources/pinpoints":"S001 §50-1131","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C017","Precise claim":"General criminal culpability applies absent a specific KCSOA interpretation; exact §50-1131 mens rea remains unresolved.","Sources/pinpoints":"S003 §21-5202","Conditions, exceptions, consequence, and confidence":"Medium."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C018","Precise claim":"Every KCSOA violation is statutorily a deceptive KCPA act.","Sources/pinpoints":"S001 §50-1132","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C019","Precise claim":"KCSOA remedies are additional to KCPA remedies but no text authorizes duplicate compensation for the identical loss.","Sources/pinpoints":"S001 §§50-1132–1133; S021","Conditions, exceptions, consequence, and confidence":"High on cumulative text; duplicate-recovery mechanics unresolved."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C020","Precise claim":"Direct KCSOA damages require a consumer injured by the violation.","Sources/pinpoints":"S001 §50-1133(a)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C021","Precise claim":"Direct damages cannot be less than amount paid to CSO plus reasonable fees and costs.","Sources/pinpoints":"S001 §50-1133(a)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C022","Precise claim":"Punitive damages are permitted but not automatic.","Sources/pinpoints":"S001 §50-1133(b); S008","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"targeted_corrected_or_qualified_by_P16_with_limits","coordinator_review":"[internal evidence reference]","correction_resolution":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C023","Precise claim":"Commissioner, AG, county/district attorney, or consumer may seek an injunction under §50-1134.","Sources/pinpoints":"S001 §50-1134","Conditions, exceptions, consequence, and confidence":"High; ordinary standing still applies."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C024","Precise claim":"Private KCPA relief requires an aggrieved consumer and causal legal injury.","Sources/pinpoints":"S006 §50-634; S015","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C025","Precise claim":"A deceptive violation can exist without actual misleading, but private relief still requires aggrievement.","Sources/pinpoints":"S006 §50-626; S015","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C026","Precise claim":"Measurable monetary loss is not always needed; direct impairment of a legal/economic right can suffice.","Sources/pinpoints":"S016","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C027","Precise claim":"Reliance is not universally stated as an element but can prove causal connection.","Sources/pinpoints":"S015; S017","Conditions, exceptions, consequence, and confidence":"High nuanced proposition."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C028","Precise claim":"Private KCPA monetary award is damages or civil penalty, whichever is greater.","Sources/pinpoints":"S006 §50-634(b); S014","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C029","Precise claim":"Current KCPA penalty ceiling is $10,000 for each proved violation and set by court.","Sources/pinpoints":"S006 §50-636(a)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C030","Precise claim":"A continuing nontransaction-specific practice can be a separate daily violation under §50-636(d).","Sources/pinpoints":"S006 §50-636(d)","Conditions, exceptions, consequence, and confidence":"High; narrow condition."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C031","Precise claim":"Transaction/violation units are fact-specific; aggregate entries are not automatically separate transactions.","Sources/pinpoints":"S016","Conditions, exceptions, consequence, and confidence":"High as Via Christi application."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C032","Precise claim":"KCPA private damages/penalty are not available as a class action; class damages require narrow §50-634(d) predicates.","Sources/pinpoints":"S006 §50-634","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C033","Precise claim":"KCPA prevailing-consumer fees are discretionary; prevailing supplier fees require known groundlessness.","Sources/pinpoints":"S006 §50-634(e)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C034","Precise claim":"Government KCPA enforcement does not require an aggrieved consumer.","Sources/pinpoints":"S006 §§50-632, 50-636; S015","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C035","Precise claim":"Consent judgment is not an admission unless its terms say so and requires court approval.","Sources/pinpoints":"S006 §50-632(b)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C036","Precise claim":"KCPA contains no blanket professional or regulated-entity exemption in §50-635.","Sources/pinpoints":"S006 §50-635; S020","Conditions, exceptions, consequence, and confidence":"High bounded reading."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C037","Precise claim":"KCPA applies to attorneys selling services, while attorney-license restraint belongs to Kansas Supreme Court.","Sources/pinpoints":"S020","Conditions, exceptions, consequence, and confidence":"High controlling boundary."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C038","Precise claim":"KCPA protected-consumer enhancement reaches more categories than KCSOA’s elder/disabled administrative enhancement.","Sources/pinpoints":"S006 §§50-676–679; S001 §50-1129","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C039","Precise claim":"Debt-adjusting crime requires knowing periodic payment to adjuster for distribution among specified creditors for consideration.","Sources/pinpoints":"S003 §21-6502(a)","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C040","Precise claim":"Noncustodial negotiation does not automatically satisfy §21-6502.","Sources/pinpoints":"S003 §21-6502","Conditions, exceptions, consequence, and confidence":"High on assumed facts."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C041","Precise claim":"Section 21-6502 retains a “registered” CSO exception despite 2017 civil licensing amendments.","Sources/pinpoints":"S003; S004; S005","Conditions, exceptions, consequence, and confidence":"High textual/history finding."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C042","Precise claim":"No current public authority resolving registration/license mismatch was located.","Sources/pinpoints":"S011–S013 and focused searches","Conditions, exceptions, consequence, and confidence":"Bounded negative only."},"coordinator_verification_status":"bounded_researcher_negative_not_independently_replicated","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C043","Precise claim":"Class B misdemeanor permits up to six months and generally $1,000 fine or alternative up to twice gain.","Sources/pinpoints":"S003 §§21-6602, 21-6611","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C044","Precise claim":"Default criminal prosecution period is five years, subject to exclusions and offense-completion rules.","Sources/pinpoints":"S003 §21-5107","Conditions, exceptions, consequence, and confidence":"High general rule."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C045","Precise claim":"Private KCPA damages/alternative-penalty action uses a three-year period.","Sources/pinpoints":"S007 §60-512; S014","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C046","Precise claim":"Private KCPA accrues at legal harm/aggrievement, not later discovery.","Sources/pinpoints":"S017","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C047","Precise claim":"Distinct later violations and harms may accrue separately; payments do not automatically restart all claims.","Sources/pinpoints":"S017","Conditions, exceptions, consequence, and confidence":"High with factual condition."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C048","Precise claim":"Direct §50-1133 claim is most plausibly subject to three-year statutory-liability period, but no controlling specific case was found.","Sources/pinpoints":"S001 §50-1133; S007 §60-512","Conditions, exceptions, consequence, and confidence":"Medium."},"coordinator_verification_status":"held_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C049","Precise claim":"Standalone limitation and accrual for §50-1126(e) voidness/return remain unresolved.","Sources/pinpoints":"S001 §50-1126(e); S007","Conditions, exceptions, consequence, and confidence":"Held."},"coordinator_verification_status":"held_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C050","Precise claim":"Consumer injunction limitations/laches under §50-1134 remain unresolved.","Sources/pinpoints":"S001 §50-1134","Conditions, exceptions, consequence, and confidence":"Held."},"coordinator_verification_status":"held_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C051","Precise claim":"General limitations did not bar official AG KCPA enforcement in BHD Bank.","Sources/pinpoints":"S018","Conditions, exceptions, consequence, and confidence":"High for case holding; not universal government rule."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C052","Precise claim":"KCSOA §§50-1127–1129 contain no express general enforcement limitation in reviewed text.","Sources/pinpoints":"S001","Conditions, exceptions, consequence, and confidence":"High bounded reading."},"coordinator_verification_status":"held_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C053","Precise claim":"KJRA review generally requires 30 days after service; reconsideration generally 15 days and optional; mail/electronic adds 3 days.","Sources/pinpoints":"S009","Conditions, exceptions, consequence, and confidence":"High subject to actual order/statute."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C054","Precise claim":"Administrative exhaustion applies to challenges to OSBC action, as in Stork, not automatically to ordinary private damages claims.","Sources/pinpoints":"S009; S019","Conditions, exceptions, consequence, and confidence":"High distinction."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C055","Precise claim":"OSBC complaint submission is not a judgment, private exhaustion requirement, or verified tolling event.","Sources/pinpoints":"S010","Conditions, exceptions, consequence, and confidence":"High bounded procedural conclusion."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C056","Precise claim":"Nazar demonstrates cumulative relief on its record but not a universal penalty or stacking formula.","Sources/pinpoints":"S021","Conditions, exceptions, consequence, and confidence":"High with procedural/historical limitations."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C057","Precise claim":"Packard sends whole-contract illegality challenge to arbitrator under its FAA circumstances; it did not decide merits.","Sources/pinpoints":"S022","Conditions, exceptions, consequence, and confidence":"High case-specific holding."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C058","Precise claim":"Williamson is pleading-stage only and supplies no final remedy or exemption determination.","Sources/pinpoints":"S023","Conditions, exceptions, consequence, and confidence":"High."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P6-C059","Precise claim":"Bond’s two-year liability/tail language is not proven to be a universal claim-filing period.","Sources/pinpoints":"S001 §50-1119","Conditions, exceptions, consequence, and confidence":"High boundary; PASS-04 otherwise unreviewed."},"coordinator_verification_status":"checked_with_express_conditions_and_remaining_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_KS-P6-C060","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_KS-P6-C060","Precise claim":"No component, provider, operational, state, parent, or A066 acceptance follows from this remedies pass.","Sources/pinpoints":"Scope/provenance","Conditions, exceptions, consequence, and confidence":"High project-status statement."},"coordinator_verification_status":"supported_in_scoped_primary_check_or_documented_dated_reuse","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_KS-P6-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_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_0026_section/050_011_0026_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/","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_0030_section/050_011_0030_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_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/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S001","Authority and full literal URL":"Kansas Revisor, current KCSOA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0016_section/050_011_0016_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0017_section/050_011_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0018_section/050_011_0018_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0019_section/050_011_0019_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0026_section/050_011_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0027_section/050_011_0027_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0028_section/050_011_0028_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0029_section/050_011_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0030_section/050_011_0030_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0031_section/050_011_0031_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0032_section/050_011_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0033_section/050_011_0033_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0034_section/050_011_0034_k/","Exact material read or pinpoint":"Complete material text of scope/exemption, definitions, licensing, bond limitations boundary, §50-1126(e), §§50-1127–50-1134","Version/status/access and limits":"Fresh Oct. 26, 2026. Pages label themselves 2026 statutes. Site update timestamps are not enactment dates. Selected provisions only, not a complete Article 11 amendment audit. Prior aliases include P1-S002 and claims P1-C029/P1-C041. \nKansas Legislature\n+5"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh complete current1126,1129,1131,1132,1133,1134 bodies; dated same-coordinator complete1116/1117/1118/1119/1127/1128 and selected1130 compilation reused fromKS1/KS4.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Two trigger/formula corrections required below. Not fullArticle11/currentall-law audit. Dated reuse is not fresh researcher/coordinator access."},{"source_id":"S_KS-P6-S002","urls":["https://osbckansas.gov/legal/cso_2026.pdf","https://osbckansas.gov/legal/cso_2026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S002","Authority and full literal URL":"Kansas OSBC, 2026 Kansas Consumer & Mortgage Lending Law Book—Credit Services Organization Act:\nhttps://osbckansas.gov/legal/cso_2026.pdf","Exact material read or pinpoint":"§50-1126(e) and §50-1127: PDF page 14/index 13/printed CSO Statutes 13; §50-1128: PDF pages 15–17/indices 14–16/printed 14–16; §50-1129: PDF pages 17–18/indices 16–17/printed 16–17; §§50-1130–1132: PDF page 19/index 18/printed 18; §§50-1133–1135: PDF page 20/index 19/printed 19","Version/status/access and limits":"Fresh parsed and visually checked. File has 22 PDF pages. Official agency compilation; Revisor controls codification. Prior direct-rule endpoint 405 remains access history, not proof of no other rule. Corrected P2 page system controls. \nKansas Bank Commissioner\n+6"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Dated same-coordinator selected official22page2026compilation: definitions/bond/fees, selected1130-1134 and fullrule; KS1/KS2/KS4 documented scopes.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Not fresh fullcompilation or coordinator pixels; researcher visual/pagination claims retained as attributed. Codified fresh clauses control."},{"source_id":"S_KS-P6-S003","urls":["https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S003","Authority and full literal URL":"Kansas Revisor, current criminal and sentencing provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_065_0000_article/021_065_0002_section/021_065_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_052_0000_article/021_052_0002_section/021_052_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_051_0000_article/021_051_0007_section/021_051_0007_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0002_section/021_066_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_066_0000_article/021_066_0011_section/021_066_0011_k/","Exact material read or pinpoint":"Complete §21-6502; material §§21-5202, 21-5107, 21-6602, 21-6611","Version/status/access and limits":"Fresh Oct. 26, 2026. Current codified primary text. Prior alias P1-S003 for §21-6502. \nKansas Legislature\n+4"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh complete6502/5202/6611 bodies, relevant6602(a)-(b),5107(d)-(g) and source-specific exceptions context; coordinator additionally read5103(b)/(d),5203(a) for general-code applicability/absolute-liability boundary.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"No actualcriminalcharge,mental-state holding, entity-specific sentencing or continuing-offense determination. Pre2011 crimes use formerlaw."},{"source_id":"S_KS-P6-S004","urls":["https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf","https://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S004","Authority and full literal URL":"2010 Kansas Session Laws, ch. 136:\nhttps://www.kslegislature.gov/b2025_26/archive/historical/sessionlaws/2010/2010_O_SessionLaws_Chapter136.pdf","Exact material read or pinpoint":"New §233, debt adjusting: PDF pages 95–96, zero-based indices 94–95; no reliable printed-page number visible in the reproduced scan","Version/status/access and limits":"Fresh selected historical read and screenshots. Establishes 2010 enactment of current “registered” exception wording; not a complete chapter read. \nKansas Legislature\n+1"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh selected2010Chapter136 New233 lines5524–5531, PDFindices94–95, corroborated current6502history.","coordinator_evidence":["[internal evidence reference]"],"coordinator_limits":"Parsed primary text only; not full149pages/pixels or post2010 completehistory."},{"source_id":"S_KS-P6-S005","urls":["https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","https://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S005","Authority and full literal URL":"2017 Kansas Session Laws, vol. 1, ch. 52:\nhttps://www.sos.ks.gov/publications/sessionlaws/2017/2017_Session_Laws_Volume_1.pdf","Exact material read or pinpoint":"Selected civil KCSOA registration-to-license amendments: PDF pages 308–309, indices 307–308, printed pages 298–299; amended/repealed list and effective clause: PDF page 322/index 321/printed 312","Version/status/access and limits":"Fresh selected check plus prior P2 evidence-backed reading. K.S.A. 21-6502 was not among identified amendments. Approved April 18, 2017; effective upon statute-book publication, with July 1 publication/authentication previously checked. Not a full volume or post-2017 audit. \nKansas Secretary of State\n+2"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Dated same-coordinator selected2017Chapter52: identity, Sec15license/bond amendments, Sec22fees, Sec26/27end and authentication/publication reused.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Not fresh entireChapter52 or complete2017amendedlist audit. Currentlicense/registered literal mismatch independently checked; fullhistory absence claim not independently certified."},{"source_id":"S_KS-P6-S006","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S006","Authority and full literal URL":"Kansas Revisor, current KCPA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0025_section/050_006_0025_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0032_section/050_006_0032_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0034_section/050_006_0034_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0035_section/050_006_0035_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0036_section/050_006_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0046_section/050_006_0046_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0076_section/050_006_0076_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0077_section/050_006_0077_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0079_section/050_006_0079_k/","Exact material read or pinpoint":"Definitions, waiver, deceptive/unconscionable acts, government/private remedies, application, penalties, cumulative remedies, protected consumers","Version/status/access and limits":"Fresh Oct. 26, 2026. Current selected code; no exhaustive KCPA amendment audit. \nKansas Legislature\n+9"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh complete624/634/635/636/676/677/679; material632(a)-(c), datedFinstad quoted626violation rule, remaining625/627/646 not freshly reopened.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Class,privateaggrievement,government,penaltyunit,protectedstatus and professional boundary checked; not everyKCPA section/history/citator. Proposed-measure labels are not enacted changes."},{"source_id":"S_KS-P6-S007","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S007","Authority and full literal URL":"Kansas Revisor, civil limitations and time computation:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0012_section/060_005_0012_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0013_section/060_005_0013_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0014_section/060_005_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0015_section/060_005_0015_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_005_0000_article/060_005_0017_section/060_005_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_002_0000_article/060_002_0006_section/060_002_0006_k/","Exact material read or pinpoint":"Three-year statutory liability, tort/fraud, one-year penalty, legal disability, absence/concealment, day computation","Version/status/access and limits":"Fresh selected read. No provider-specific accrual facts examined. \nKansas Legislature\n+3"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh complete60-512, material515(a), complete517; dated60-206 computation reused KS4/KS5;513/514 not separately rechecked beyondAlexander discussion.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Direct1133classification remains inference, statutorydisability/absence exceptions conditional, no actualdeadline."},{"source_id":"S_KS-P6-S008","urls":["https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S008","Authority and full literal URL":"Kansas Revisor, punitive damages:\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0002_section/060_037_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/060_000_0000_chapter/060_037_0000_article/060_037_0003_section/060_037_0003_k/","Exact material read or pinpoint":"Complete material §60-3702; pleading procedure in §60-3703","Version/status/access and limits":"Fresh selected read. No KCSOA-specific appellate interpretation of full interaction located. \nKansas Legislature\n+1"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Fresh60-3702(a)-(h) materialcompletebody including e(1)/e(2)/f nestedcaps anddate.","coordinator_evidence":["[internal evidence reference]"],"coordinator_limits":"Material omission of continuing5million ceiling after net-worth substitution requires original-chat patch. 3703pleadingprocedure not yet separately verified; KCSOA-specific interactions held."},{"source_id":"S_KS-P6-S009","urls":["https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/?utm_source=chatgpt.com","https://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S009","Authority and full literal URL":"Kansas Revisor, KAPA/KJRA:\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0026_section/077_005_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0029_section/077_005_0029_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_005_0000_article/077_005_0036_section/077_005_0036_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0012_section/077_006_0012_k/\nhttps://www.kslegislature.gov/b2025_26/laws/077_000_0000_chapter/077_006_0000_article/077_006_0013_section/077_006_0013_k/","Exact material read or pinpoint":"Final-order contents, 15-day reconsideration, emergency orders, exhaustion, 30-day review and service rules","Version/status/access and limits":"Fresh Oct. 26, 2026. Actual order can state controlling instructions and another statute may alter defaults. \nKansas Legislature\n+4"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Freshcomplete77-529 and613(a)-(e) operative review/service rules.","coordinator_evidence":["[internal evidence reference]"],"coordinator_limits":"526final-order/536emergency/612exhaustion not freshly complete-read;1129andStork corroborate limitedprocedural claims. No actualorder/service date or assumedexactcalendar."},{"source_id":"S_KS-P6-S010","urls":["https://osbckansas.gov/consumer-complaint-form/","https://osbckansas.gov/consumer-complaint-form/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S010","Authority and full literal URL":"Kansas OSBC, Consumer Complaint Form:\nhttps://osbckansas.gov/consumer-complaint-form/","Exact material read or pinpoint":"Public submission route and supporting-document instructions","Version/status/access and limits":"Fresh. Operational complaint material only; not statutory tolling, adjudication, or private legal advice. \nKansas Bank Commissioner"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Freshcompletepubliccomplaintpage body5–14 read; expressly noauthoritytoenforce/rescind/adjudicatecontracts.","coordinator_evidence":["[internal evidence reference]"],"coordinator_limits":"No complaint/contact/file submission. No tolling inferred; negative bounded by reviewed statutes/page."},{"source_id":"S_KS-P6-S011","urls":["https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","https://osbckansas.gov/legal/administrative_interpretations_2026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S011","Authority and full literal URL":"Kansas OSBC, 2026 Administrative Interpretations:\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Exact material read or pinpoint":"Outline PDF page 1/index 0; bounded searches for 50-1129, 50-1133, 21-6502, debt adjusting, and CSO-remedy terms","Version/status/access and limits":"Fresh bounded check. No pertinent published entry located. No-match does not prove absence of unpublished or differently indexed authority. \nKansas Bank Commissioner"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Datedsame-coordinator2026interpretations outline and preciseKS4/KS5 searches reused; PASS6researcher newremedy-term search not replicated.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"No-match only within actual checks; no claim allAGopinions/enforcementdockets/unpublishedorders absent."},{"source_id":"S_KS-P6-S012","urls":["https://osbckansas.gov/legal/guidance_2026.pdf","https://osbckansas.gov/legal/guidance_2026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S012","Authority and full literal URL":"Kansas OSBC, 2026 Guidance Documents:\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Exact material read or pinpoint":"Outline PDF page 1/index 0; relevant general guidance begins PDF page 2/index 1","Version/status/access and limits":"Fresh bounded check. No remedy/registration-wording reconciliation found. Guidance is not a final order. \nKansas Bank Commissioner\n+1"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Datedsame-coordinatorguidance outline and selectedCML2019-1 fromKS4/KS5 reused.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"No complete guidance/remedy search replication; no regulatoryapproval inferred."},{"source_id":"S_KS-P6-S013","urls":["https://www.ag.ks.gov/file-a-complaint","https://www.ag.ks.gov/reports-resources/ag-opinions","https://www.ag.ks.gov/file-a-complaint?utm_source=chatgpt.com","https://www.ag.ks.gov/reports-resources/ag-opinions?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S013","Authority and full literal URL":"Kansas Attorney General complaint and opinions pages:\nhttps://www.ag.ks.gov/file-a-complaint\nhttps://www.ag.ks.gov/reports-resources/ag-opinions","Exact material read or pinpoint":"Complaint page discovered but direct route returned 403 in this session; opinions index and focused searches used as discovery","Version/status/access and limits":"Failed/limited. No opinion resolving §21-6502’s “registered” wording was located; this is not proof none exists. \nKansas Department of Agriculture\n+1"},"coordinator_verification_status":"researcher_access_failure_retained_not_recovered","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Researcher AGcomplaint403/opinionindex discovery limitation retained; no new coordinator recovery.","coordinator_evidence":["[internal evidence reference]"],"coordinator_limits":"Failure/negative discovery only. No opinion absence or completearchive search certified."},{"source_id":"S_KS-P6-S014","urls":["https://law.justia.com/cases/kansas/supreme-court/2000/83604.html","https://law.justia.com/cases/kansas/supreme-court/2000/83604.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S014","Authority and full literal URL":"Alexander v. Certified Master Builders Corp., 268 Kan. 812 (2000):\nhttps://law.justia.com/cases/kansas/supreme-court/2000/83604.html","Exact material read or pinpoint":"Limitations and alternative-remedy analysis, displayed lines 186–228","Version/status/access and limits":"Fresh read. Kansas Supreme Court; controlling private KCPA limitations analysis. Current penalty ceiling differs from historical amount quoted in case. \nJustia Law"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimaryKansasSupremeCourt opinion reproduction: complete materialalternative-remedy/limitations analysis lines186–228 andcertified-question context.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Nonofficialhost courttext, not editorial summary. Historical5000cap notcurrent10000; no fullcitator or allsupplier analysis."},{"source_id":"S_KS-P6-S015","urls":["https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html","https://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S015","Authority and full literal URL":"Finstad v. Washburn University, 252 Kan. 465 (1993):\nhttps://law.justia.com/cases/kansas/supreme-court/1993/68-353-3.html","Exact material read or pinpoint":"Aggrievement, causal connection, private/government distinction, displayed lines 81–133","Version/status/access and limits":"Fresh read. Kansas Supreme Court. \nJustia Law"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimaryKansasSupremeCourt opinion reproduction: posture/facts66–89, completeaggrievement/causation discussion90–116 and133conclusion.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"No full309lines/citator. Actualmisledunnecessaryforviolation differs from causalprivateinjury. Historicalpenaltyamounts not current."},{"source_id":"S_KS-P6-S016","urls":["https://law.justia.com/cases/kansas/supreme-court/2013/101690.html","https://law.justia.com/cases/kansas/supreme-court/2013/101690.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S016","Authority and full literal URL":"Via Christi Regional Medical Center, Inc. v. Reed, 298 Kan. 503 (2013):\nhttps://law.justia.com/cases/kansas/supreme-court/2013/101690.html","Exact material read or pinpoint":"Aggrievement lines 145–153; transaction/claim count lines 198–205","Version/status/access and limits":"Fresh read. Kansas Supreme Court; remanded KCPA claims rather than setting final penalty. \nJustia Law\n+1"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimaryKansasSupremeCourt opinion reproduction: posture/syllabus62–70, completeaggrievement145–154, materialunconscionability189–197 andnumber-of-claims198–206.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Onehospitalstay aggregatebill/lien transaction supports ONEdeceptive andONEunconscionableclaim onremand, notuniversaloneCSOviolation or finalpenalty."},{"source_id":"S_KS-P6-S017","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html","https://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S017","Authority and full literal URL":"Florez v. Ginsberg, 57 Kan. App. 2d 207 (2019):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2019/120129.html","Exact material read or pinpoint":"KCPA accrual and limitations, displayed lines 96–108","Version/status/access and limits":"Fresh read. Published Court of Appeals decision; pleading-stage context. \nJustia Law\n+2"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimarypublishedCOA opinion reproduction: pleading posture, completeKCPAanalysis96–108 andbait-switch/disposition109–116.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Laterpayments only separatelyactionableuponnewreliance/legalharm, notautomaticrenewal ofallclaims. No fullcitator."},{"source_id":"S_KS-P6-S018","urls":["https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html","https://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S018","Authority and full literal URL":"State ex rel. Stephan v. BHD Bank & Trust Co., 8 Kan. App. 2d 57 (1982):\nhttps://law.justia.com/cases/kansas/court-of-appeals/1982/53-122-7.html","Exact material read or pinpoint":"Official-enforcement limitations discussion, displayed lines 68–116","Version/status/access and limits":"Fresh read. Published Court of Appeals decision; government route, not private claim. Full current citator not performed. \nJustia Law"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimarypublishedCOA opinion reproduction: officialStateinterest/governmentfunction andlimitations holding102–116.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Selectedholding only; no completecurrentcitator/preemptionadoption or everygovernmentclaimtimeless conclusion."},{"source_id":"S_KS-P6-S019","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html","https://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S019","Authority and full literal URL":"Consumer Law Associates, LLC v. Stork, 47 Kan. App. 2d 208 (2012):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2012/106115.html","Exact material read or pinpoint":"Exhaustion/KJRA discussion, displayed lines 54–84","Version/status/access and limits":"Fresh read. Published Court of Appeals; did not decide merits. Older exemption reasoning must be read with Hays. \nJustia Law"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimarypublishedCOA opinion reproduction: factual/posture54–72 andcompleteexhaustionanalysis73–84.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Historicalexemption entityreasoning readwith laterHays/current1116. 8.4mallegations not meritsjudgment affirmed. No currentdocket/citator."},{"source_id":"S_KS-P6-S020","urls":["https://law.justia.com/cases/kansas/supreme-court/2013/108351.html","https://law.justia.com/cases/kansas/supreme-court/2013/108351.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S020","Authority and full literal URL":"Hays v. Ruther, 298 Kan. 402 (2013):\nhttps://law.justia.com/cases/kansas/supreme-court/2013/108351.html","Exact material read or pinpoint":"Syllabus/remedy boundary and attorney regulation lines 62–80, 96–98","Version/status/access and limits":"Fresh selected read. Kansas Supreme Court certified-question decision; no factual liability adjudication. Official prior route remained 403. \nJustia Law\n+1"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Datedsame-coordinatorHays primaryopinion reproduction, selectedbothcertified-questionanswers/remedy-licenseregulationboundary reused.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Official403history preserved. No freshallopinion/factualproviderexemption/citator."},{"source_id":"S_KS-P6-S021","urls":["https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","https://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S021","Authority and full literal URL":"Nazar v. Allied Consumer Services, LLC, Adv. No. 11-05035, Doc. 33:\nhttps://www.ksb.uscourts.gov/sites/ksb/files/opinions/REN_11-05035-33.pdf","Exact material read or pinpoint":"Procedure/facts: PDF pages 1–4/indices 0–3; remedies: PDF pages 6–8/indices 5–7, printed pages 6–8","Version/status/access and limits":"Fresh selected PDF read; screenshots previously used. Signed/filed April 16, 2012. Registration-era, default and supported unopposed summary judgment; not controlling appellate authority. \nDistrict of Kansas Bankruptcy Court"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Datedsame-coordinator officialNazarDoc33 fullmaterialposture and remedy/bond pages6–8 plusjurisdictioncaveat reused.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Default/unopposedsupportedsummaryjudgment, registrationera/persuasive, not currentcontestedappellate stackingformula or resolvedinternalamountinconsistency."},{"source_id":"S_KS-P6-S022","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html","https://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S022","Authority and full literal URL":"Packard v. Credit Solutions of America, Inc., 42 Kan. App. 2d 382 (2009):\nhttps://law.justia.com/cases/kansas/court-of-appeals/2009/100231.html","Exact material read or pinpoint":"FAA severability/arbitrability discussion, displayed lines 104–115","Version/status/access and limits":"Fresh selected read. Did not decide KCSOA liability or remedy merits. \nJustia Law"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"FreshprimarypublishedCOA opinion reproduction: clauses/posture84–105 andcompleteBuckeyeseverabilityapplication107–112.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"No wholecontractformation/delegation/waiver/arbitrationcurrentaudit; court didnotdecideKCSOAremedymerits."},{"source_id":"S_KS-P6-S023","urls":["https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","https://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P6-S023","Authority and full literal URL":"Williamson v. Hailstone Legal Group, LLC, Adv. No. 25-05004, Doc. 46:\nhttps://www.ksb.uscourts.gov/sites/ksb/files/opinions/MLH_25-05004-46.pdf","Exact material read or pinpoint":"Signed/filed page 1/index 0; allegations printed page 4/index 3; Counts II/III analysis printed pages 6–9/indices 5–8","Version/status/access and limits":"Fresh PDF access; prior P2 complete parsed-text read preserved. Motion-to-dismiss stage; no final liability, fee-return, exemption, or damages ruling. \nDistrict of Kansas Bankruptcy Court"},"coordinator_verification_status":"scoped_checked_with_explicit_access_and_remaining_limits","coordinator_review":"[internal evidence reference]","coordinator_actual_access":"Datedsame-coordinator complete9pageofficialWilliamsonDoc46 parsedread reused fromKS1 andlaterKS2/KS5 scope.","coordinator_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"coordinator_limits":"Signed/filedNov5,2025; pleadingstage only, no laterdocket/finalexemption/liability/damages or currentcitator."}],"coverage":[{"topic":"KCSOA scope needed for remedies","researcher_record":{"Component":"KCSOA scope needed for remedies","Status":"Answered at rule level","Claims":"C001–C003","Exact missing evidence or next action":"Actual provider/entity/service facts remain"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Unauthorized-charge voidness","researcher_record":{"Component":"Unauthorized-charge voidness","Status":"Answered","Claims":"C004","Exact missing evidence or next action":"—"},"coordinator_acceptance":"targeted_wording_corrected_by_P16_remaining_application_holds","coordinator_review":"[internal evidence reference]","correction_resolution":"[internal evidence reference]"},{"topic":"Unauthorized amount calculation","researcher_record":{"Component":"Unauthorized amount calculation","Status":"Fact-dependent","Claims":"C004–C006","Exact missing evidence or next action":"Actual payment ledger and fee classification"},"coordinator_acceptance":"targeted_wording_corrected_by_P16_remaining_application_holds","coordinator_review":"[internal evidence reference]","correction_resolution":"[internal evidence reference]"},{"topic":"Bona-fide-error definition","researcher_record":{"Component":"Bona-fide-error definition","Status":"Unresolved","Claims":"C005","Exact missing evidence or next action":"Controlling case, OSBC order, or formal interpretation"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Bona-fide-error burden","researcher_record":{"Component":"Bona-fide-error burden","Status":"Unresolved","Claims":"C005","Exact missing evidence or next action":"Same"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Cure/revival after refund","researcher_record":{"Component":"Cure/revival after refund","Status":"Unresolved","Claims":"C005–C006","Exact missing evidence or next action":"Case law or formal order"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Private enforcement of §50-1126(e)","researcher_record":{"Component":"Private enforcement of §50-1126(e)","Status":"Partial","Claims":"C006, C020–C023","Exact missing evidence or next action":"Cause-of-action/remedy-specific precedent"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"License discipline grounds","researcher_record":{"Component":"License discipline grounds","Status":"Answered","Claims":"C007–C008","Exact missing evidence or next action":"Provider-specific adjudication later"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"OSBC examination/investigation","researcher_record":{"Component":"OSBC examination/investigation","Status":"Answered","Claims":"C009","Exact missing evidence or next action":"Examination manual and actual order files not obtained"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Confidential action plan","researcher_record":{"Component":"Confidential action plan","Status":"Answered","Claims":"C010","Exact missing evidence or next action":"—"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Formal cease-and-desist","researcher_record":{"Component":"Formal cease-and-desist","Status":"Answered","Claims":"C011","Exact missing evidence or next action":"Actual order findings required"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Emergency order","researcher_record":{"Component":"Emergency order","Status":"Answered at statute level","Claims":"C015","Exact missing evidence or next action":"Hearing-request deadline absent"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary administrative fine","researcher_record":{"Component":"Ordinary administrative fine","Status":"Answered ceiling only","Claims":"C012","Exact missing evidence or next action":"“Incident” interpretation and actual discretion"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Elder/disabled enhancement","researcher_record":{"Component":"Elder/disabled enhancement","Status":"Answered ceiling only","Claims":"C013","Exact missing evidence or next action":"Actual protected status and violation unit"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Restitution/disgorgement","researcher_record":{"Component":"Restitution/disgorgement","Status":"Answered at authority level","Claims":"C014","Exact missing evidence or next action":"Election, calculation, and double-counting precedent"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative interest","researcher_record":{"Component":"Administrative interest","Status":"Answered ceiling only","Claims":"C014","Exact missing evidence or next action":"Actual rate and compounding method not stated"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCSOA criminal offense","researcher_record":{"Component":"KCSOA criminal offense","Status":"Answered at text level","Claims":"C016–C017","Exact missing evidence or next action":"Mens rea precedent and charging practice"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Direct consumer injury requirement","researcher_record":{"Component":"Direct consumer injury requirement","Status":"Answered","Claims":"C020","Exact missing evidence or next action":"Actual causation facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Direct damages floor","researcher_record":{"Component":"Direct damages floor","Status":"Answered","Claims":"C021","Exact missing evidence or next action":"Treatment of returned amounts and offsets unresolved"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney fees/costs under §50-1133","researcher_record":{"Component":"Attorney fees/costs under §50-1133","Status":"Answered at text level","Claims":"C021","Exact missing evidence or next action":"Reasonableness and prevailing-party procedure later"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Punitive entitlement","researcher_record":{"Component":"Punitive entitlement","Status":"Partial","Claims":"C022","Exact missing evidence or next action":"KCSOA-specific interaction with §§60-3702–3703"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Punitive amount caps","researcher_record":{"Component":"Punitive amount caps","Status":"Answered generally","Claims":"C022","Exact missing evidence or next action":"Actual income/net worth/profit evidence"},"coordinator_acceptance":"targeted_wording_corrected_by_P16_remaining_application_holds","coordinator_review":"[internal evidence reference]","correction_resolution":"[internal evidence reference]"},{"topic":"KCSOA injunction","researcher_record":{"Component":"KCSOA injunction","Status":"Answered at claimant level","Claims":"C023","Exact missing evidence or next action":"Standing, laches, and limitations unresolved"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCPA crossover","researcher_record":{"Component":"KCPA crossover","Status":"Answered","Claims":"C018–C019","Exact missing evidence or next action":"—"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCPA consumer/transaction","researcher_record":{"Component":"KCPA consumer/transaction","Status":"Answered generally","Claims":"C002","Exact missing evidence or next action":"Actual business/entity facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Private KCPA aggrievement","researcher_record":{"Component":"Private KCPA aggrievement","Status":"Answered","Claims":"C024–C027","Exact missing evidence or next action":"Actual legal harm and causal proof"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Reliance","researcher_record":{"Component":"Reliance","Status":"Answered as nonuniversal causation evidence","Claims":"C027","Exact missing evidence or next action":"Claim-specific facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Private damages/penalty election","researcher_record":{"Component":"Private damages/penalty election","Status":"Answered","Claims":"C028","Exact missing evidence or next action":"—"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Current civil-penalty ceiling","researcher_record":{"Component":"Current civil-penalty ceiling","Status":"Answered","Claims":"C029","Exact missing evidence or next action":"Court discretion and unit remain"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Per-violation unit","researcher_record":{"Component":"Per-violation unit","Status":"Partial","Claims":"C029–C031","Exact missing evidence or next action":"Provider-specific transactions, acts, and findings"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Continuing daily violation","researcher_record":{"Component":"Continuing daily violation","Status":"Answered narrowly","Claims":"C030","Exact missing evidence or next action":"Whether conduct is untied to identifiable transaction"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCPA class declaratory/injunctive relief","researcher_record":{"Component":"KCPA class declaratory/injunctive relief","Status":"Answered","Claims":"C032","Exact missing evidence or next action":"Class certification and procedure later"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCPA class damages","researcher_record":{"Component":"KCPA class damages","Status":"Answered at threshold","Claims":"C032","Exact missing evidence or next action":"Prior judgment/consent and specific-act predicates"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"KCPA attorney fees","researcher_record":{"Component":"KCPA attorney fees","Status":"Answered","Claims":"C033","Exact missing evidence or next action":"Amount and prevailing-party facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"AG/county/district remedies","researcher_record":{"Component":"AG/county/district remedies","Status":"Answered","Claims":"C034–C035","Exact missing evidence or next action":"Actual enforcement file/order later"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Consent judgment evidentiary effect","researcher_record":{"Component":"Consent judgment evidentiary effect","Status":"Answered","Claims":"C035","Exact missing evidence or next action":"Terms of actual judgment control"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Professional/regulated exemption","researcher_record":{"Component":"Professional/regulated exemption","Status":"No blanket exemption found","Claims":"C036–C037","Exact missing evidence or next action":"Entity-specific statutes/preemption still open"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney remedy boundary","researcher_record":{"Component":"Attorney remedy boundary","Status":"Answered generally","Claims":"C037","Exact missing evidence or next action":"Actual practice/exemption and remedy sought"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Protected-consumer enhancement","researcher_record":{"Component":"Protected-consumer enhancement","Status":"Answered","Claims":"C038","Exact missing evidence or next action":"Actual status and violation proof"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Debt-adjusting elements","researcher_record":{"Component":"Debt-adjusting elements","Status":"Answered","Claims":"C039–C040","Exact missing evidence or next action":"Actual custody/periodic/distribution facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Registration/license mismatch","researcher_record":{"Component":"Registration/license mismatch","Status":"Unresolved","Claims":"C041–C042","Exact missing evidence or next action":"Full AG archive, prosecution dockets, OSBC orders, legislative history"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Debt-adjusting law-practice exception","researcher_record":{"Component":"Debt-adjusting law-practice exception","Status":"Partial","Claims":"C039–C042","Exact missing evidence or next action":"Actual lawful Kansas practice and entity relationship"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Criminal sentence ceiling","researcher_record":{"Component":"Criminal sentence ceiling","Status":"Answered generally","Claims":"C043","Exact missing evidence or next action":"Sentencing facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Criminal prosecution limitation","researcher_record":{"Component":"Criminal prosecution limitation","Status":"Answered generally","Claims":"C044","Exact missing evidence or next action":"Offense date, continuity, concealment, commencement facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Private KCPA limitation","researcher_record":{"Component":"Private KCPA limitation","Status":"Answered","Claims":"C045–C047","Exact missing evidence or next action":"Actual accrual/tolling facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Direct KCSOA limitation","researcher_record":{"Component":"Direct KCSOA limitation","Status":"Partial/inferred","Claims":"C048","Exact missing evidence or next action":"Controlling §50-1133 limitations decision"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"§50-1126(e) limitation","researcher_record":{"Component":"§50-1126(e) limitation","Status":"Unresolved","Claims":"C049","Exact missing evidence or next action":"Cause-of-action characterization and precedent"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Injunction limitation/laches","researcher_record":{"Component":"Injunction limitation/laches","Status":"Unresolved","Claims":"C050","Exact missing evidence or next action":"Controlling equitable-limit authority"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Government KCPA limitation","researcher_record":{"Component":"Government KCPA limitation","Status":"Partial","Claims":"C051","Exact missing evidence or next action":"Current full citator and any specific statutory limits"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"OSBC merits limitation","researcher_record":{"Component":"OSBC merits limitation","Status":"Unresolved","Claims":"C052","Exact missing evidence or next action":"Formal orders/cases addressing agency delay"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"KJRA review deadline","researcher_record":{"Component":"KJRA review deadline","Status":"Answered generally","Claims":"C053","Exact missing evidence or next action":"Actual final order and service method"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative exhaustion","researcher_record":{"Component":"Administrative exhaustion","Status":"Answered generally","Claims":"C054","Exact missing evidence or next action":"Particular claim and adequacy/irreparable-harm facts"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"OSBC complaint process","researcher_record":{"Component":"OSBC complaint process","Status":"Answered operationally","Claims":"C055","Exact missing evidence or next action":"Internal complaint handbook/enforcement outcome unavailable"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"AG complaint process","researcher_record":{"Component":"AG complaint process","Status":"Access-limited","Claims":"—","Exact missing evidence or next action":"Direct page returned 403; no complaint filed"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Public OSBC final CSO orders","researcher_record":{"Component":"Public OSBC final CSO orders","Status":"Not located in bounded search","Claims":"C042, C052","Exact missing evidence or next action":"Complete enforcement docket and archival request—not performed"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Nazar remedy holding","researcher_record":{"Component":"Nazar remedy holding","Status":"Answered with limits","Claims":"C056","Exact missing evidence or next action":"No current contested appellate treatment"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Packard arbitration boundary","researcher_record":{"Component":"Packard arbitration boundary","Status":"Answered with limits","Claims":"C057","Exact missing evidence or next action":"Actual arbitration clause/challenge later"},"coordinator_acceptance":"bounded_rule_or_ceiling_supported_with_stated_facts_and_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Williamson remedy merits","researcher_record":{"Component":"Williamson remedy merits","Status":"Not decided","Claims":"C058","Exact missing evidence or next action":"Later docket/final disposition not reviewed in this pass"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Full case citator","researcher_record":{"Component":"Full case citator","Status":"Not performed","Claims":"—","Exact missing evidence or next action":"Kansas/federal citator and unpublished dispositions"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Bond claims and limitation","researcher_record":{"Component":"Bond claims and limitation","Status":"Excluded except boundary","Claims":"C059","Exact missing evidence or next action":"PASS-04 remains separately unreviewed"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Funds/trust remedies","researcher_record":{"Component":"Funds/trust remedies","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"PASS-03 remains separately unreviewed"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Agreement remedies/enforceability","researcher_record":{"Component":"Agreement remedies/enforceability","Status":"Excluded except necessary cases","Claims":"—","Exact missing evidence or next action":"PASS-05 remains separately unreviewed"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Federal TSR/CROA remedies","researcher_record":{"Component":"Federal TSR/CROA remedies","Status":"Not rerun","Claims":"—","Exact missing evidence or next action":"Actual federal coverage/private-right/enforcement pass later"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"CFPA/FTC/CFPB enforcement","researcher_record":{"Component":"CFPA/FTC/CFPB enforcement","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate federal pass"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Bankruptcy avoidance/estate standing","researcher_record":{"Component":"Bankruptcy avoidance/estate standing","Status":"Excluded except case posture","Claims":"—","Exact missing evidence or next action":"Separate bankruptcy/remedies pass"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Collection, garnishment, secured sectors","researcher_record":{"Component":"Collection, garnishment, secured sectors","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Later passes"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary debt limitations","researcher_record":{"Component":"Ordinary debt limitations","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Later collection/contract pass"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Local, tribal, country law","researcher_record":{"Component":"Local, tribal, country law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Later jurisdiction passes"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Actual provider authorization/liability","researcher_record":{"Component":"Actual provider authorization/liability","Status":"Not evaluated","Claims":"C060","Exact missing evidence or next action":"Requires provider identity, contracts, license, payments, orders, and facts"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"},{"topic":"Component/state/parent/A066 acceptance","researcher_record":{"Component":"Component/state/parent/A066 acceptance","Status":"Not evaluated","Claims":"C060","Exact missing evidence or next action":"No acceptance follows"},"coordinator_acceptance":"remaining_gap_exclusion_or_inference_retained","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}