{"meta":{"key":"s_mn--pass-04","task":"S_MN","title":"SMN — Minnesota","parent_title":"Minnesota debt and debt relief law","edition":"pass-04","path":"/research/s_mn--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":22,"sources":14,"review_status":"scoped_review_complete_current_state_checklist_transition_status_holds","review_complete":true,"sha256":"32559e0901e04af7495a0a588ab6e725da84b3d4355ada862117d50d94b50d26","headings":["Current public registration materials, transition evidence, and status-verification procedure","Focused disposition","1. Current public application, checklist, and registration instructions","1.1 Publicly identified license types and filing routes","1.2 Condition of the Commerce and eLicense pages","1.3 State-specific checklist retrieval result","1.4 Current universal company form","1.5 Initial application versus renewal","2. Comparison with the reviewed 2026 accreditation amendments","2.1 Governing comparison baseline","2.2 Document/version/field comparison matrix","2.3 Accreditation finding","2.4 No-credit-counseling affidavit","2.5 Residual information and temporary waiver","3. Post-enactment transition and pending-file instructions","3.1 Result","3.2 Bounded routes and queries reviewed","3.3 Exact remaining evidence","4. Public registration-status procedure and result meanings","4.1 Commerce’s public route","4.2 NMLS Consumer Access route","4.3 Status meanings and public-display limitations","4.4 Actual entity authorization","Search-only and unsuccessful routes","Actually read in PASS-04","Supplied and reused—not relabeled as fresh PASS-04 reading","Not obtained or not read","Integrity limits","PASS-04 disposition"],"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_MN/pass-04","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["repossession"],"subject":["provider-licensing","validation-disputes","policy-history"]},"scope":"Reviewed remaining current public operational/checklist/transition/lookup evidence only; broader currentness, fees and state dimensions remain held.","pending_corrections":0},"markdown":"# S_MN — Minnesota PASS-04\n\n## Current public registration materials, transition evidence, and status-verification procedure\n\n**Research/access date:** October 25, 2026 Pacific / October 26, 2026 UTC\n**Scope:** Public operational evidence remaining after PASS-02’s reviewed 2026 accreditation amendments\n**Relationship to prior passes:** PASS-01 fee work, PASS-02 enacted-law and exemption findings, and PASS-03’s provenance correction are preserved. They are not regenerated or relabeled as fresh PASS-04 research.\n\n## Focused disposition\n\nThe publicly visible operating path is now substantially clearer, but one consequential layer remains unavailable:\n\n1. Minnesota Commerce currently directs both debt-management and debt-settlement applicants to NMLS. Its public pages identify the license types, initial and renewal charges, bond requirement, annual term, and renewal route. [mn.gov // Minnesota's State Portal+3](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp)\n2. The current universal **NMLS Company Form (MU1), Version 5.0 dated July 1, 2026, nine pages**, was retrieved and read. It contains a generic “Uniform Debt-Management Services Act Accreditation” designation field, but not a Minnesota-specific instruction to prove accreditation and not the deleted Minnesota debt-settlement no-credit-counseling affidavit. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf)\n3. The Minnesota-specific DMP and debt-settlement checklist PDF links currently published by Commerce no longer return those PDFs through the public route. Each redirects to the NMLS State Resource Center home. The replacement Checklist Compiler exists, but its generated Minnesota output did not render through the public research tool. Therefore, the current state-specific checklist fields, document revision date, page count, and hash remain unverified. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf)\n4. No responsive post-enactment Commerce bulletin, order, FAQ, checklist-change notice, or formal interpretation addressing applications pending across **August 1, 2026** was located in the bounded official-site searches and pages reviewed. That is a search result and evidence gap—not a conclusion that no such record exists.\n5. Commerce’s public lookup directory sends these two license types to static one-page rosters dated **March 12, 2025**, not to a visibly current live status result. Those rosters cannot establish October 2026 authorization by themselves. [mn.gov // Minnesota's State Portal+2](https://mn.gov/commerce/licensing/license-lookup/)\n6. No entity was supplied or searched. No provider registration, exemption, pending status, approval, or authority to operate is established.\n\n# A. Substantive answers\n\n## 1. Current public application, checklist, and registration instructions\n\n### 1.1 Publicly identified license types and filing routes\n\n| Function | Debt management | Debt settlement | Current public evidence and limitation |\n| --- | --- | --- | --- |\n| Commerce-facing label | “Debt Management Services License” | “Debt Settlement License” | Commerce says both applications must use NMLS and links a state checklist for each. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) |\n| Minnesota eLicense title | **Debt Management Services Provider Company License / Branch License** | **Debt Settlement Services Provider Company License** | The eLicense pages identify Commerce’s Financial Institutions Division and the statutory chapters. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) |\n| Intended NMLS checklist title, inferred only from the published link filename | MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf | MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf | These are the literal Commerce-linked paths, but both now redirect to the NMLS Resource Center home rather than returning the named PDF. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf) |\n| Initial filing vehicle | NMLS Company Form MU1, plus Minnesota-specific checklist requirements and any associated MU2/MU3 filings | Same | MU1 is the universal company form. The unavailable Minnesota checklist is the missing state-specific layer. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html) |\n| Published state registration charge | $1,000 | $1,000 | Current eLicense listings; these are provider registration charges, not consumer fees. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) |\n| Published electronic surety bond | $5,000 | $5,000 | Commerce and eLicense both state that an ESB is filed in NMLS. Broader bond analysis remains outside PASS-04. [mn.gov // Minnesota's State Portal+3](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) |\n| Published term | January 1 through December 31 | January 1 through December 31 | eLicense describes an annual term. Commerce says the registrations expire December 31. [mn.gov // Minnesota's State Portal+2](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) |\n| Published processing estimate | 30–60 days | 30–60 days | The eLicense pages characterize this as the “Length of Determination”; it is not treated as a guaranteed legal deadline. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) |\n\n### 1.2 Condition of the Commerce and eLicense pages\n\nThe two eLicense pages have post-amendment modification timestamps:\n\n- DMP page: **August 25, 2026, 5:25:30 p.m.**\n- Settlement page: **August 25, 2026, 4:24:28 p.m.**\n\nThose timestamps establish that the records were modified after the August 1 effective date. They do **not** establish that Commerce reviewed or conformed every application field to the amendment. The settlement listing still mistakenly says organizations applying for a “Debt Management Services License” must use NMLS, and the DMP Commerce page directs applicants to §332.60 while elsewhere identifying Chapter 332A. These internal inconsistencies make the modification date poor proof of substantive checklist conformity. [mn.gov // Minnesota's State Portal+2](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795)\n\nThe eLicense application and renewal URLs also use retired NMLS /slr/ routes. When opened during this pass, the Minnesota application path and the general renewal path redirected to the current NMLS State Resource Center home rather than to a Minnesota application or renewal checklist. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=MN)\n\n### 1.3 State-specific checklist retrieval result\n\nCommerce currently publishes two apparent direct checklist links. The actual results were:\n\n| Checklist route | Public result on October 25, 2026 | What was not available |\n| --- | --- | --- |\n| Minnesota DMP new-application PDF | Redirected to the NMLS State Resource Center home; returned HTML with no checklist content | Checklist fields, revision/version date, page count, PDF bytes, and hash |\n| Minnesota debt-settlement new-application PDF | Same | Same |\n| Current NMLS Checklist Compiler | Public page exists and search metadata says users select licenses to download checklists; the dynamic content did not render in the public tool | Generated Minnesota checklist and its embedded metadata |\n| Current License Requirements and Fees Chart | NMLS links an Excel chart for new licensing requirements; the spreadsheet format could not be opened by the public web tool | Minnesota row, state-specific supporting documents, current fee metadata, and revision date |\n| Current Renewal Requirements and Fees Chart | NMLS links a separate spreadsheet; the spreadsheet format likewise could not be opened | Minnesota renewal row, reinstatement terms, supplemental documents, and any state-specific deadline |\n\nThe inability to retrieve the generated checklist is a tool-access limitation. It is not evidence that NMLS has no checklist or that no application fields exist. [Nationwide Licensing System+4](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf)\n\nNo cryptographic hash was exposed for either unavailable Minnesota checklist. A local download or hash computation was not performed.\n\n### 1.4 Current universal company form\n\nThe current publicly downloadable NMLS Company Form is:\n\n- **Issuer:** Conference of State Bank Supervisors/NMLS\n- **Form:** NMLS Company Form, MU1\n- **Version:** 5.0\n- **Date printed on form:** July 1, 2026\n- **Length:** Nine pages\n- **Use:** Universal company form for applying for and maintaining participating-state nondepository financial-services authority\n- **Submission:** The PDF is instructional; the actual form is completed electronically through NMLS. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf)\n\nIts visible information architecture is:\n\n| MU1 portion | Publicly displayed fields |\n| --- | --- |\n| Business and identity | Business activities and associated states; legal name; EIN; physical and mailing addresses; contact information; branch-location question. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| Names and operating presence | Trade names, resident/registered agent, websites, primary contacts, additional contacts, and books-and-records custodian/location. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| Designations and accounts | Approvals/designations, including the generic UDMSA accreditation item; bank-account information only when the regulator instructs the applicant to provide it. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| Entity structure | Legal status, affiliates and subsidiaries, controlling financial institutions, and disclosure questions. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| Ownership and responsible persons | Direct owners and executive officers, indirect owners, qualifying individuals, associated MU2 forms, and final execution/attestation. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| Supporting NMLS functions | Document uploads, historical filings, advance-change notices, and completeness checks before submission. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html) |\n\nNot every MU1 section necessarily applies to every applicant. The current NMLS guide repeatedly directs applicants to the jurisdiction-specific checklist to determine conditional state requirements. That missing Minnesota checklist therefore prevents a complete statement of the operative Minnesota filing package. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html)\n\n### 1.5 Initial application versus renewal\n\n**Initial application**\n\nThe currently visible path is:\n\n1. Create or maintain the company’s NMLS record.\n2. Complete MU1.\n3. Select the relevant Minnesota authority based on business activities and state.\n4. Complete associated MU2 filings for applicable control persons or qualifying individuals and MU3 filings where a branch filing is required.\n5. Satisfy the Minnesota state-specific checklist and external-document requirements.\n6. Submit the applicable bond and charges.\n\nSteps 1–4 are supported by current NMLS materials. Step 5 cannot be completely reconstructed because the generated Minnesota checklist was unavailable. [Nationwide Licensing System+3](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html)\n\n**Renewal**\n\nCommerce states that both registrations expire December 31, have a $250 renewal charge, and are renewed through NMLS. It also says an annual report is emailed to the MU1 contact in November and is due March 15. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp)\n\nNMLS’s current general company-renewal instructions describe a November 1–December 31 renewal period and require the company to attest to its record, resolve license items, pay required charges, and complete any state-specific checklist requirements. Some jurisdictions offer a January–February reinstatement period, but the Minnesota-specific row was not accessible and no Minnesota reinstatement conclusion is made here. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html)\n\nCommerce’s “renewable on January 1” wording and NMLS’s November–December submission window concern different operational concepts—the license term and the NMLS filing period. The inaccessible Minnesota renewal chart prevents a complete reconciliation of submission deadline, late renewal, and reinstatement treatment for these two particular authorities.\n\n## 2. Comparison with the reviewed 2026 accreditation amendments\n\n### 2.1 Governing comparison baseline\n\nThe following is **reviewed PASS-02 context**, not a fresh PASS-04 legal read:\n\n- Laws 2026, chapter 124, article 1, §59 deleted the DMP application’s accreditation-proof item.\n- Section 60 deleted the settlement application’s accreditation-proof/no-credit-counseling-affidavit branch.\n- Section 63 repealed the corresponding accreditation definitions.\n- The changes became effective August 1, 2026 at 12:01 a.m.\n- The retained application provisions include a residual commissioner-information clause and temporary good-cause waiver language.\n- Those changes did not repeal registration itself.\n\n### 2.2 Document/version/field comparison matrix\n\n| Evidence layer | Version/currentness evidence | Accreditation-proof treatment | No-credit-counseling affidavit | Residual-information / waiver treatment | Operational conclusion |\n| --- | --- | --- | --- | --- | --- |\n| **Reviewed enacted law — P2 context** | Effective August 1, 2026 at 12:01 a.m. | Minnesota-specific proof requirement deleted from the identified DMP and settlement application clauses | Settlement alternative affidavit deleted with former clause (7) | Residual-information clauses and temporary good-cause waiver language retained | Controls over inconsistent administrative materials; does not itself resolve pending-file handling |\n| **Commerce Debt Services page** | Live page accessed October 25, 2026; footer says 2026 but no substantive revision date | No accreditation-proof instruction appears in the visible DMP or settlement application sections | No affidavit instruction appears | No public field or waiver procedure described | High-level conformity is possible, but the page is only an overview and contains an unrelated statutory-link inconsistency. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) |\n| **DMP eLicense listing** | Modified August 25, 2026 | No visible accreditation-proof field | Not applicable | No residual-information or waiver field | Post-effective-date metadata, but not proof that the underlying state checklist was revised. [mn.gov // Minnesota's State Portal](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) |\n| **Settlement eLicense listing** | Modified August 25, 2026 | No visible accreditation-proof field | No visible affidavit field | No residual-information or waiver field | Same limitation; listing retains a “Debt Management” copy error despite its modification date. [mn.gov // Minnesota's State Portal](https://mn.gov/elicense/a-z/?id=1083-231349) |\n| **Minnesota-specific new-application checklist links** | Legacy named-PDF URLs currently redirect to NMLS Resource Center home | **Unknown** | **Unknown** | **Unknown** | No checklist contents, date, page count, or hash were available. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf) |\n| **Current NMLS Checklist Compiler** | Public replacement page accessed October 25, 2026; dynamically generated content did not render | **Unknown for Minnesota** | **Unknown for Minnesota** | **Unknown for Minnesota** | The compiler’s existence does not establish what the generated Minnesota checklist says. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) |\n| **MU1 Version 5.0** | July 1, 2026; nine pages; predates the Minnesota amendment’s August 1 effective date | Contains a generic item for “Uniform Debt-Management Services Act Accreditation” under approvals/designations currently held | No such affidavit field appears in the complete nine-page form | No Minnesota residual-information or good-cause-waiver field appears; NMLS permits generic document uploads and regulator-directed conditional information | The generic designation is not facially a Minnesota instruction to submit the repealed proof. It neither contradicts nor proves implementation of Minnesota’s amendment. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| **Current NMLS Policy Guide** | HTML transformation date September 4, 2026 | Tells applicants to report approvals/designations they currently hold; does not identify a Minnesota accreditation mandate | No Minnesota affidavit instruction located | Requires consultation of state-specific requirements; supports uploads and conditional regulator requests | Confirms that MU1 and the state checklist are separate layers. The unavailable Minnesota checklist remains decisive operational evidence. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html) |\n| **Renewal materials** | Current general NMLS renewal instructions; Minnesota row unavailable | No Minnesota-specific renewal accreditation condition verified | None verified | State-specific renewal documentation may exist in compiler/chart | No inference that renewal either requires or affirmatively waives accreditation evidence. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html) |\n\n### 2.3 Accreditation finding\n\nThe current universal MU1 does **not** appear to recreate the repealed Minnesota statutory proof requirement.\n\nThe form’s generic accreditation item asks for an approval or designation the company currently holds. It does not, on its face:\n\n- direct a Minnesota DMP applicant to prove accreditation;\n- direct a Minnesota settlement applicant to prove accreditation;\n- identify the former Minnesota accrediting organizations;\n- demand an accreditation attachment;\n- state that accreditation is a condition of Minnesota registration; or\n- invoke Minnesota’s residual-information clause.\n\nThe current policy guide similarly treats the section as disclosure of approvals/designations held by the company. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf)\n\nThat conclusion is limited to the public MU1. The state-specific checklist remains unavailable. Therefore, PASS-04 cannot determine whether a generated Minnesota checklist:\n\n- cleanly removed the old item;\n- retained a stale instruction;\n- contains an explanatory transition note;\n- conditionally requests related evidence under another lawful authority; or\n- is current but publicly inaccessible through this tool.\n\nA stale checklist field, if one exists, would not amend the enacted law. Conversely, the absence of the item from the universal MU1 does not prove Commerce has completed every implementation step.\n\n### 2.4 No-credit-counseling affidavit\n\nNo no-credit-counseling affidavit, checkbox, upload field, or equivalent settlement-specific instruction appears in:\n\n- the visible Commerce settlement instructions;\n- the current settlement eLicense listing; or\n- the complete nine-page MU1.\n\nThat is consistent with the reviewed deletion, but the state-specific checklist gap prevents a final operational-conformity finding. [mn.gov // Minnesota's State Portal+2](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp)\n\n### 2.5 Residual information and temporary waiver\n\nNo current public form field was identified that expressly implements:\n\n- the commissioner’s retained authority to request other information or material; or\n- the temporary good-cause waiver provision.\n\nThe MU1 contains general document-upload functionality and some regulator-dependent fields, such as bank-account information only when requested. Those generic mechanisms could transmit a lawful regulator request, but they do not independently establish that Commerce has reimposed accreditation proof or created a published waiver procedure. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf)\n\n## 3. Post-enactment transition and pending-file instructions\n\n### 3.1 Result\n\nNo responsive public record was found in the official routes reviewed that addresses:\n\n- an application submitted before August 1, 2026 but pending on that date;\n- whether previously requested accreditation evidence was withdrawn;\n- whether a deficient file had to be supplemented or refiled;\n- whether Commerce automatically applied the amended requirements to pending files;\n- whether applicants could remove previously submitted accreditation material;\n- grandfathering;\n- reapplication;\n- transition-specific refunds or charges; or\n- a formal agency interpretation of the four amended provisions.\n\nThis does **not** convert statutory silence into agency policy and does not prove that Commerce issued no nonindexed, account-only, applicant-specific, or later-removed communication.\n\n### 3.2 Bounded routes and queries reviewed\n\n| Official route or query family | Cutoff | Result |\n| --- | --- | --- |\n| Commerce Debt Services page and linked public application materials | October 25, 2026 Pacific | No transition or pending-file instruction visible |\n| Commerce eLicense DMP and settlement listings | Same | No transition text |\n| Direct Minnesota NMLS checklist URLs | Same | Redirected; checklist content unavailable |\n| Current NMLS Checklist Compiler and renewal resources | Same | General operational resources found; generated Minnesota checklist unavailable |\n| site:mn.gov/commerce \"332A.04\" 2026 accreditation | Same | No responsive transition document identified |\n| site:mn.gov/commerce \"332B.04\" 2026 accreditation | Same | No responsive transition document identified |\n| site:mn.gov/commerce \"Chapter 124\" \"debt settlement\" and DMP variants | Same | No responsive debt-services implementation item identified |\n| Commerce news queries for 2026 debt-management/debt-settlement accreditation | Same | Returned unrelated or general Commerce materials, not a transition interpretation |\n| NMLS queries for Minnesota checklist/accreditation updates | Same | Returned the general Checklist Compiler and NMLS resources, not a Minnesota change notice |\n\nThe search did locate Commerce pages announcing and explaining other 2026 regulatory changes, including mortgage and virtual-currency changes. That demonstrates Commerce sometimes publishes implementation notices; it does not establish that a debt-services notice exists or should have appeared in the same location. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/mortgage/index.jsp?utm_source=chatgpt.com)\n\n### 3.3 Exact remaining evidence\n\nA pending-file conclusion requires at least one of the following:\n\n1. The current generated Minnesota DMP and settlement checklists, including revision metadata.\n2. An official Commerce bulletin, FAQ, order, legislative update, implementation notice, or form-change record directed to these two license types.\n3. A public NMLS state-agency change notice identifying Minnesota checklist revisions.\n4. A Commerce form-revision history showing removal of the two deleted items.\n5. For a particular pending application, the actual regulator-issued license items, correspondence, order, or status history for that file.\n\nNone of those was obtained in this pass. No contact, application, account access, or records request was made.\n\n## 4. Public registration-status procedure and result meanings\n\n## 4.1 Commerce’s public route\n\nThe Minnesota Commerce License Lookup Directory states that it helps users find a licensee’s status and that some license types use external databases. For **Debt Management** and **Debt Settlement**, however, its links currently open Commerce-hosted PDF rosters rather than a live query screen. [mn.gov // Minnesota's State Portal](https://mn.gov/commerce/licensing/license-lookup/)\n\nThe rosters are:\n\n| Roster | Date printed | Length | Fields displayed |\n| --- | --- | --- | --- |\n| Minnesota Debt Management Licensees | March 12, 2025 | One page | License number, company name, street, city, state, postal code |\n| Minnesota Debt Settlement Licensees | March 12, 2025 | One page | Same |\n\nThe PDFs do **not** display:\n\n- a current/active status field;\n- issue date;\n- expiration date;\n- renewal status;\n- conditions;\n- deficiencies;\n- pending status;\n- surrender/revocation status;\n- the roster’s update frequency;\n- an express statement that the list is exhaustive as of any later date; or\n- a connection between the printed record and the provider’s status on October 25, 2026.\n\nAccordingly, presence on either March 2025 roster is historical public evidence of inclusion in that dated file—not proof of present authority.\n\n## 4.2 NMLS Consumer Access route\n\nOfficial NMLS materials describe Consumer Access as the public system for information concerning state-licensed companies, branches, and individuals. An official NMLS page instructs users to search for an entity by name or NMLS ID. Those public information pages were discoverable, but their content did not render through the public web tool; the direct nmlsconsumeraccess.org endpoint returned an access failure in this session. No Turing-test, authentication, or other access control was bypassed. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com)\n\nThe publicly supported procedure is therefore:\n\n1. Obtain the entity’s exact legal name and, preferably, NMLS ID.\n2. Search NMLS Consumer Access by that name or ID.\n3. Identify the company record rather than assuming a trade name is the legal entity.\n4. Open the Minnesota license/registration entry and confirm the exact authority:debt-management company;debt-management branch, where applicable;debt-settlement company; ordebt-settlement branch, where applicable.\n5. Record the state license number, displayed status, legal entity name, address, and any visible public regulatory actions.\n6. Interpret the displayed status using the NMLS status definitions.\n7. Compare the current result with Commerce’s official route and any public order or condition.\n\nThis pass could verify the procedure and status semantics, but not execute a named-company search because no provider was supplied and the direct public endpoint was not usable through the tool.\n\n## 4.3 Status meanings and public-display limitations\n\nNMLS’s current Policy Guide is dated by an XML transformation on September 4, 2026. Its status table warns that uses can vary by jurisdiction and identifies what appears on Consumer Access. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html)\n\n| Internal NMLS status | General meaning | Consumer Access display | Consequence for verification |\n| --- | --- | --- | --- |\n| Pending – Incomplete | New request submitted; requirements may remain | Not displayed | Absence from Consumer Access does not prove no application exists |\n| Pending – Review | External checklist documents received and filing accepted for review | Not displayed | A pending application ordinarily does not establish authority |\n| Pending – Deficient | Regulator has identified missing or incomplete material | Not displayed | Same |\n| Approved | Regulator decided to issue through NMLS | Approved | Strong public evidence of issuance, subject to jurisdiction-specific confirmation |\n| Approved–Conditional | Issued subject to conditions | Approved | Public “Approved” can conceal ongoing conditions |\n| Approved–Deficient | Entity may conduct business but still owes documents or information | Approved | Public “Approved” can conceal unresolved license items |\n| Approved–On Appeal | Adverse action is on appeal and operation remains authorized during appeal | Approved | Public “Approved” may coexist with an adverse proceeding |\n| Approved–Inactive | Authority retained but the entity may be inactive or subject to conditions before resuming | Approved-Inactive | Not equivalent to unrestricted current operation |\n| Terminated–Failed to Renew | Nonperpetual authority not renewed; entity is not authorized under it | Expired | A former license number is not current authority |\n| Revoked / Suspended | Regulator has taken the stated adverse action | Revoked / Suspended | Not current unrestricted authority |\n\nThus, a Consumer Access display of **Approved** is not, by itself, proof that:\n\n- no conditions exist;\n- no documents remain due;\n- no appeal is pending;\n- every branch or trade name is covered;\n- the entity qualifies for a statutory exemption; or\n- the company may lawfully perform activities beyond the exact license authority shown.\n\n## 4.4 Actual entity authorization\n\nNo provider name, NMLS ID, or Minnesota registration number was supplied. No candidate was invented, and neither March 2025 roster was treated as a current exhaustive list.\n\n**Result:** No actual entity authorization has been established.\n\n# B. Operational-evidence matrix\n\n| Evidence layer | Issuer | Document/version date | Public access result | What it establishes | What it does not establish |\n| --- | --- | --- | --- | --- | --- |\n| Enacted amendment | Minnesota Legislature/Revisor; reviewed in P2 | Effective August 1, 2026, 12:01 a.m. | Reused reviewed context | Deleted specified accreditation application provisions and definitions | Operational form revision, pending-file handling, or provider approval |\n| Commerce Debt Services instructions | Minnesota Commerce | No substantive revision date; accessed Oct. 25, 2026 | Read | NMLS route, license categories, bond, annual expiration, renewal charge, annual-report instruction | Full state checklist, exact form version, or transition policy |\n| DMP eLicense listing | Minnesota License A-Z/Commerce | Modified Aug. 25, 2026 | Read | Exact public license title, NMLS route, published charge/bond/term/estimate | That every field was conformed to the amendment |\n| Settlement eLicense listing | Same | Modified Aug. 25, 2026 | Read | Exact public title and operational summary | Same; page still contains a DMP-label copy error |\n| Legacy Minnesota checklist links | Commerce/NMLS | No accessible version | Redirect only | The literal checklist names Commerce intended to link | Current contents, date, page count, or hash |\n| Current Checklist Compiler | NMLS | No visible page revision in rendered result | Public landing page located; dynamic output unreadable | NMLS currently uses a generated-checklist model | Minnesota DMP/settlement checklist fields |\n| Universal MU1 | CSBS/NMLS | Version 5.0, July 1, 2026 | Nine-page PDF read | Universal company information and declarations | Minnesota-specific completeness |\n| Current NMLS Policy Guide | CSBS/NMLS | Sept. 4, 2026 transformation date | Read | MU1 use, conditional state requirements, status meanings | Minnesota substantive legal requirements |\n| NMLS renewal instructions | CSBS/NMLS | Current public HTML accessed Oct. 25, 2026 | Read | General Nov. 1–Dec. 31 renewal process and state-checklist dependency | Minnesota-specific reinstatement or supplemental items |\n| Commerce lookup directory | Minnesota Commerce | No visible revision date | Read | Official public route for these license types | That linked results are live |\n| DMP roster | Minnesota Commerce | March 12, 2025 | One-page PDF read | Companies and branches included in that dated file | Current status or completeness in Oct. 2026 |\n| Settlement roster | Minnesota Commerce | March 12, 2025 | One-page PDF read | Same | Same |\n| NMLS Consumer Access | CSBS/NMLS | Current official descriptions; direct endpoint inaccessible in tool | Procedure partially verified; no entity search | General public-search method and status-display framework | Minnesota record availability for a particular entity in this session |\n| Provider-specific record | None supplied | None | Not searched | Nothing | Any actual authorization, exemption, status, or condition |\n\n# C. PASS-04 source register\n\nAll access entries below refer to the overall PASS-04 research session on October 25, 2026 Pacific / October 26, 2026 UTC. They are not individual fetch timestamps.\n\n| Source ID | Title / issuer / complete literal URL | Actual read scope and pinpoint | Version/status | Prior alias and limitations |\n| --- | --- | --- | --- | --- |\n| **S_MN-P4-S001** | Minnesota Commerce, **Debt Services**  https://mn.gov/commerce/money/non-depository/debt-services/ | DMP application and renewal, lines 72–91; settlement application and renewal, lines 93–120. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) | Fresh public HTML read; no substantive revision date displayed | Related to P1-S005. Overview contains a DMP statutory-link inconsistency; not a checklist |\n| **S_MN-P4-S002** | Minnesota eLicense, **Debt Management Services Provider Company License / Branch License**  https://mn.gov/elicense/a-z/?id=1083-230795 | Title, agency, creation/modification metadata, lines 22–30; application/renewal links and public requirements, lines 45–73. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) | Modified Aug. 25, 2026 | Prior P1-S007. Modification date does not certify field-by-field conformity |\n| **S_MN-P4-S003** | Minnesota eLicense, **Debt Settlement Services Provider Company License**  https://mn.gov/elicense/a-z/?id=1083-231349 | Title and modification date, lines 23–30; NMLS route and requirements, lines 49–79. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/?id=1083-231349) | Modified Aug. 25, 2026 | Prior P1-S006. Retains a DMP-label copy error |\n| **S_MN-P4-S004** | NMLS intended Minnesota DMP checklist route  https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf | Complete public route attempted. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf) | Redirected to State Resource Center home; returned HTML, not PDF | Unsuccessful route. No contents, version, page count, or hash |\n| **S_MN-P4-S005** | NMLS intended Minnesota settlement checklist route  https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf | Complete public route attempted. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf) | Same redirect result | Same limitations |\n| **S_MN-P4-S006** | NMLS, **Licensing Checklists, Requirements, and Fees**  https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx | Public landing page and search-rendered description reviewed. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) | Current compiler route; dynamic content did not render | Related generally to P1-S011. Generated Minnesota output not read |\n| **S_MN-P4-S007** | NMLS, **License Requirements and Fees Chart** and renewal materials  https://csbsannualrenewalchecklist.azurewebsites.net/life  https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees  https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html | Current renewal overview, lines 34–46; chart instructions, lines 78–95. Spreadsheet links were followed but unsupported by the public reader. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html) | Current public NMLS HTML; spreadsheet version metadata unavailable | Minnesota rows not read |\n| **S_MN-P4-S008** | CSBS/NMLS, **NMLS Company Form (MU1)**  https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20(MU1)%20Form.pdf | All nine pages; version and purpose, page 1; designations and bank accounts, page 5; ownership and execution, pages 7–9. [Nationwide Licensing System+4](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | Version 5.0, July 1, 2026; nine pages | Fresh complete PDF text review; pages 1 and 5 visually inspected. No public hash exposed |\n| **S_MN-P4-S009** | CSBS/NMLS, **NMLS Policy Guide**, treated as one underlying guide with multiple HTML topics:  https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html  https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html  https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html | Guide date, lines 107–110; MU1 topics, lines 8–100; status table, lines 47–87. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html) | XML transformation Sept. 4, 2026 | One underlying policy guide, not three independent authorities; guidance does not supersede Minnesota law |\n| **S_MN-P4-S010** | Minnesota Commerce, **License Lookup Directory**  https://mn.gov/commerce/licensing/license-lookup/ | Directory purpose and DMP/settlement links, lines 18 and 50–52. [mn.gov // Minnesota's State Portal](https://mn.gov/commerce/licensing/license-lookup/) | Fresh public HTML read; no revision date | Links these license types to static Commerce PDFs |\n| **S_MN-P4-S011** | Minnesota Commerce, **Minnesota Debt Management Licensees**  https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf | Complete one-page roster, including columns and printed date. [mn.gov // Minnesota's State Portal](https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf) | Dated March 12, 2025; one page | Fresh complete PDF read and page visually inspected; no status or update-frequency fields; no hash exposed |\n| **S_MN-P4-S012** | Minnesota Commerce, **Minnesota Debt Settlement Licensees**  https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf | Complete one-page roster, lines 0–18. [mn.gov // Minnesota's State Portal](https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf) | Dated March 12, 2025; one page | Same limitations as S011 |\n| **S_MN-P4-S013** | NMLS, **Consumer Access resources**  https://www.nmlsconsumeraccess.org/  https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx  https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html | Current policy-guide public-information discussion, lines 44–49; direct Consumer Access endpoint attempted. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html) | Policy-guide portion read; direct search endpoint inaccessible through tool | Official name/NMLS-ID search instruction was discoverable in NMLS search metadata, not fully rendered page content. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/SitePages/NMLS-Ombudsman.aspx?utm_source=chatgpt.com) |\n| **S_MN-P4-S014** | NMLS, **Technical Requirements / system-of-record description**  https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html | System-of-record statement and current licensing-chart link, lines 4–25; browser requirements, lines 33–47. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html) | Fresh public HTML read | General NMLS architecture, not Minnesota legal authority |\n\n### Search-only and unsuccessful routes\n\nThe bounded official-domain searches described in section A.3 are research routes rather than separate legal authorities. They are not assigned multiple document IDs merely because different query strings were used. Search snippets were used for discovery only unless a responsive document was subsequently opened and read.\n\n# D. PASS-04 claim register\n\n| Claim ID | Precise claim | Source and pinpoint | Conditions / confidence / currentness | Prior relationship |\n| --- | --- | --- | --- | --- |\n| **S_MN-P4-C001** | Commerce currently directs both DMP and settlement applicants to use NMLS and publishes a checklist link for each. | S001, lines 72–76 and 101–105. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) | High confidence as to visible public instructions; checklist contents separately unresolved | Develops P1-C016 |\n| **S_MN-P4-C002** | Current public license titles are “Debt Management Services Provider Company License / Branch License” and “Debt Settlement Services Provider Company License.” | S002 lines 22–24; S003 lines 23–27. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) | High confidence for eLicense titles | Operational terminology only |\n| **S_MN-P4-C003** | The eLicense pages display Aug. 25, 2026 modification timestamps. | S002 lines 26–27; S003 lines 29–30. [mn.gov // Minnesota's State Portal+1](https://mn.gov/elicense/a-z/index.jsp?id=1083-230795) | Timestamp does not prove substantive legal or checklist review | Narrows P2-C016 |\n| **S_MN-P4-C004** | The post-effective-date listings retain copy or link inconsistencies. | S001 line 78; S003 line 65. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) | Supports caution; does not invalidate correct portions | New operational-quality finding |\n| **S_MN-P4-C005** | Both Commerce-linked legacy Minnesota checklist PDF routes currently redirect to the NMLS Resource Center home. | S004–S005. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf) | High confidence for this session’s public route; does not prove checklist nonexistence | Resolves P2 checklist-access route only |\n| **S_MN-P4-C006** | The current Checklist Compiler exists, but its generated Minnesota output was not readable through the public tool. | S006. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) | Exact state checklist remains held | Preserves P2-C016 limitation |\n| **S_MN-P4-C007** | MU1 Version 5.0 is dated July 1, 2026 and contains nine pages. | S008 page 1. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | High confidence; it is a universal instructional form, not the Minnesota checklist | New P4 evidence |\n| **S_MN-P4-C008** | MU1 supplies the universal company information, ownership, disclosure, designation, and attestation structure used for participating-state applications. | S008 all pages; S009 MU1 chapter. [Nationwide Licensing System+4](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | Exact Minnesota conditional fields require the state checklist | New |\n| **S_MN-P4-C009** | MU1 includes a generic UDMSA accreditation designation under approvals/designations currently held. | S008 page 5, lines 142–156. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | It is not facially a Minnesota proof-upload requirement | Compared with P2-C001/C002 |\n| **S_MN-P4-C010** | No Minnesota-specific accreditation-proof direction or settlement no-credit-counseling affidavit appears in the visible Commerce/eLicense instructions or complete MU1. | S001–S003 and S008. [mn.gov // Minnesota's State Portal+4](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) | State-specific checklist unavailable; therefore only a partial operational-conformity finding | Supports, but does not expand, P2 amendment claims |\n| **S_MN-P4-C011** | No public form field expressly implementing Minnesota’s residual-information or temporary-waiver clauses was identified. | S008–S009. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | Generic uploads and regulator-directed fields do not prove reimposition of deleted accreditation evidence | Relates to P2-C008 |\n| **S_MN-P4-C012** | Commerce publishes annual Dec. 31 expiration, a $250 renewal charge, NMLS renewal, and a March 15 annual-report due date. | S001 lines 87–91 and 116–120. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/money/non-depository/debt-services/index.jsp) | Exact Minnesota NMLS filing/reinstatement row unavailable | Develops P1-C016 |\n| **S_MN-P4-C013** | NMLS’s general company renewal period runs Nov. 1–Dec. 31 and includes attestation, license-item resolution, charges, and possible state checklist requirements. | S007. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html) | General NMLS procedure; not a substitute for the Minnesota row | New |\n| **S_MN-P4-C014** | No responsive public transition instruction for applications pending across Aug. 1, 2026 was located in the bounded reviewed routes. | Search protocol in A.3; S001–S007 | Moderate confidence only as a search result. It is not proof that no record exists | Preserves P2-C006 hold |\n| **S_MN-P4-C015** | Commerce’s DMP and settlement lookup links currently lead to one-page rosters dated March 12, 2025. | S010–S012. [mn.gov // Minnesota's State Portal+2](https://mn.gov/commerce/licensing/license-lookup/) | High confidence; rosters are historical snapshots | New |\n| **S_MN-P4-C016** | The rosters disclose license number, name, and address but do not disclose current status, issue/expiration date, conditions, or update frequency. | S011–S012. [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf) | They cannot alone prove October 2026 authority | New |\n| **S_MN-P4-C017** | NMLS pending-incomplete, pending-review, and pending-deficient company statuses are generally not displayed on Consumer Access. | S009 Appendix 11, lines 51–64. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html) | NMLS cautions that jurisdictional uses can vary | New |\n| **S_MN-P4-C018** | Consumer Access can display Approved for internal Approved, Approved-Conditional, Approved-Deficient, and Approved-On-Appeal statuses. | S009 Appendix 11, lines 68–76. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html) | Public “Approved” does not establish absence of conditions or deficiencies | New |\n| **S_MN-P4-C019** | The direct NMLS Consumer Access endpoint was not usable through the public web tool in this session. | S013. (Invalid URL) | Tool-access finding only; no claim of general outage or universal inaccessibility | New |\n| **S_MN-P4-C020** | No named provider’s current registration, pending status, approval, conditions, or exemption was established. | No entity supplied; C015–C019 | High confidence within this pass | Preserves P1-C018 and P2-C015/C016 |\n| **S_MN-P4-C021** | Public material conformity does not itself constitute agency approval or provider authorization. | C005–C020 | Legal/operational boundary conclusion | Preserves all prior authorization holds |\n| **S_MN-P4-C022** | All broader statutory-consolidation, rule, order, case, fee-performance, funds, bond, remedy, contract, federal, local, and tribal questions remain outside this component. | Scope limitation | Express hold; no negative inference | P1-C020 and P2-C018 remain |\n\n# E. Component coverage and exact next evidence\n\n| PASS-04 component | Status | Claim IDs | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| Current Commerce DMP overview | **Answered** | C001–C004 | No further work for the visible page; do not treat it as the complete checklist |\n| Current Commerce settlement overview | **Answered** | C001–C004 | Same |\n| Exact public eLicense titles | **Answered** | C002 | NMLS-generated title should be confirmed from a generated checklist when accessible |\n| Post-Aug. 1 page modification metadata | **Answered** | C003–C004 | Obtain page revision history if substantive change timing matters |\n| Universal MU1 version, date, and page count | **Answered** | C007–C008 | Cryptographic hash was not exposed; no hash required for current substantive conclusion |\n| Universal MU1 operative sections | **Answered** | C008 | State-specific conditions remain separate |\n| Current Minnesota DMP checklist contents | **Unresolved** | C005–C006 | Retrieve generated checklist from current NMLS compiler in a supported public rendering environment; preserve file metadata |\n| Current Minnesota settlement checklist contents | **Unresolved** | C005–C006 | Same |\n| Checklist revision/validity date | **Unresolved** | C005–C006 | Read document header/footer and compiler metadata |\n| Checklist page count and hash | **Unresolved** | C005–C006 | Obtain actual PDF bytes; record page count and a disclosed or computed hash only in an authorized file-processing pass |\n| Accreditation-proof removal in visible overview pages | **Answered narrowly** | C009–C010 | No visible Minnesota proof instruction |\n| Accreditation-proof removal in state checklist | **Unresolved** | C005–C010 | Actual generated checklist required |\n| Generic MU1 accreditation field classification | **Answered** | C009 | It is a universal designation field, not demonstrated Minnesota proof |\n| No-credit-counseling affidavit in visible materials | **Answered narrowly** | C010 | No such field in visible pages/MU1 |\n| No-credit-counseling affidavit in Minnesota checklist | **Unresolved** | C005–C010 | Actual generated settlement checklist required |\n| Residual-information implementation | **Partial** | C011 | Current Minnesota checklist, license-item templates, or published Commerce instruction |\n| Temporary-waiver implementation | **Partial** | C011 | Published waiver form, standard, order, or agency instruction; none located |\n| Pending pre-Aug. 1 applications | **Unresolved** | C014 | Responsive Commerce/NMLS transition record or actual file-specific agency communication |\n| Grandfathering/reapplication instruction | **Unresolved** | C014 | Same |\n| Current initial-application route | **Answered at framework level** | C001, C006–C011 | State-specific checklist package remains missing |\n| Current renewal framework | **Answered generally** | C012–C013 | Minnesota row in current renewal compiler/chart |\n| Exact 2026–2027 Minnesota renewal deadline | **Partial** | C012–C013 | Read Minnesota-specific renewal row; do not infer reinstatement from NMLS’s general statement |\n| March 15 annual report instruction | **Answered as published** | C012 | Actual report form/content remains outside this pass |\n| Commerce public status route | **Answered** | C015–C016 | Route currently provides dated rosters |\n| March 2025 roster contents | **Answered** | C015–C016 | No currentness inference |\n| Whether rosters are exhaustive/current in Oct. 2026 | **Unresolved** | C016 | Updated roster, update policy, or current live lookup |\n| NMLS Consumer Access procedure | **Partial** | C017–C019 | Direct public endpoint or an accessible current entity-search interface |\n| NMLS public status semantics | **Answered generally** | C017–C018 | Particular jurisdiction/entity conditions still require the actual record |\n| Actual provider registration | **Not investigated—no provider supplied** | C020 | Exact legal name or NMLS ID and current official result |\n| Actual provider exemption | **Outside this operational pass** | C020–C022 | Fact-specific statutory application in a later authorized component |\n| Full later-2026 amendments/consolidation | **Excluded and open** | C022 | Final official statutes-changed/consolidated-code pass |\n| Exhaustive rules, orders, and cases | **Excluded and open** | C022 | Separate complete authority pass |\n| State/federal fee-performance and partial-plan timing | **Excluded and preserved** | C022 | Later fee-performance component |\n| Initial-money ledger and origination-plus-maintenance issue | **Excluded and preserved** | C022 | Later funds/fee component |\n| Bonds, funds, remedies, contracts, local and tribal law | **Excluded and preserved** | C022 | Separate parent-state dimensions |\n\n# F. Researcher self-check\n\n## Actually read in PASS-04\n\n- The current Minnesota Commerce Debt Services page’s DMP and settlement application and renewal sections.\n- Both current Minnesota eLicense records, including their post-August 1 modification metadata, link targets, displayed requirements, terms, and copy inconsistencies.\n- Both Commerce-linked legacy NMLS checklist routes through their actual redirect result.\n- The current NMLS Checklist Compiler landing route.\n- The current universal MU1 Version 5.0 across all nine pages; relevant pages were also visually inspected.\n- The current NMLS Policy Guide index, MU1 chapter, Consumer Access discussion, and complete relevant license-status table.\n- Current general company-renewal instructions and the instructions describing the renewal requirements chart.\n- The Commerce License Lookup Directory.\n- Both complete one-page Commerce rosters, including their printed March 12, 2025 dates; each page was visually inspected.\n- The direct NMLS Consumer Access route’s failure result.\n- The bounded official-domain searches described in section A.3.\n\n## Supplied and reused—not relabeled as fresh PASS-04 reading\n\n- PASS-02’s Laws 2026, chapter 124, article 1, §§59, 60, and 63 findings.\n- PASS-02’s August 1, 2026 at 12:01 a.m. effective-date construction.\n- PASS-02’s retained application-condition, residual-information, waiver, and incorporated-exemption findings.\n- PASS-01’s fee formulas, timing qualifications, examples, and source-access history.\n- PASS-03’s correction of only the two PASS-02 overall session-date labels.\n\n## Not obtained or not read\n\n- The current generated Minnesota DMP checklist.\n- The current generated Minnesota debt-settlement checklist.\n- Their PDF metadata, page counts, or hashes.\n- The Minnesota rows in the current licensing or renewal spreadsheets.\n- A post-enactment pending-file bulletin, order, FAQ, or formal interpretation.\n- An agency form-revision history.\n- A private NMLS account view, private application, regulator message, or license-item record.\n- A usable direct NMLS Consumer Access result for a company.\n- Any named provider’s current record.\n- A complete later-2026 statutes-changed sweep.\n- Exhaustive Minnesota rules, administrative orders, or controlling cases.\n- Any broader fee-performance, funds, bond, remedy, contract, federal, local, or tribal analysis.\n\n## Integrity limits\n\nThis is the original researcher’s focused operational-evidence pass, not an independent review. No Chrome control, new browser tabs, other chats, Deep Research, Work/Codex, API, account change, application, upload, purchase, CAPTCHA or Turing-test workaround, contact, private borrower data, local publication, provider authorization, component acceptance, state acceptance, parent acceptance, or A066 acceptance occurred.\n\n## PASS-04 disposition\n\nMinnesota’s public-facing operational framework presently identifies NMLS as the filing and renewal system, exposes current universal MU1 materials, and provides dated Commerce rosters. It does **not**, through the public evidence successfully retrieved here, expose a readable current Minnesota-specific checklist, a pending-file transition policy, or a sufficiently current status result for an actual provider.\n\nThe visible materials do not affirmatively reimpose the deleted Minnesota accreditation proof or no-credit-counseling affidavit. The generic MU1 accreditation designation is not equivalent to the deleted state proof requirement. Nevertheless, state-checklist conformity, pending-file treatment, and actual entity authorization remain unresolved.\n\n**END S_MN PASS-04**\n\n","tables":[{"headers":["Function","Debt management","Debt settlement","Current public evidence and limitation"],"index":0,"links":[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html","text":"Nationwide Licensing System\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+3"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+2"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],"row_links":[[],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+3"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+2"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}]],"rows":[["Function","Debt management","Debt settlement","Current public evidence and limitation"],["Commerce-facing label","“Debt Management Services License”","“Debt Settlement License”","Commerce says both applications must use NMLS and links a state checklist for each. \nmn.gov // Minnesota's State Portal\n+1"],["Minnesota eLicense title","Debt Management Services Provider Company License / Branch License","Debt Settlement Services Provider Company License","The eLicense pages identify Commerce’s Financial Institutions Division and the statutory chapters. \nmn.gov // Minnesota's State Portal\n+1"],["Intended NMLS checklist title, inferred only from the published link filename","MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf","These are the literal Commerce-linked paths, but both now redirect to the NMLS Resource Center home rather than returning the named PDF. \nNationwide Licensing System\n+1"],["Initial filing vehicle","NMLS Company Form MU1, plus Minnesota-specific checklist requirements and any associated MU2/MU3 filings","Same","MU1 is the universal company form. The unavailable Minnesota checklist is the missing state-specific layer. \nNationwide Licensing System\n+1"],["Published state registration charge","$1,000","$1,000","Current eLicense listings; these are provider registration charges, not consumer fees. \nmn.gov // Minnesota's State Portal\n+1"],["Published electronic surety bond","$5,000","$5,000","Commerce and eLicense both state that an ESB is filed in NMLS. Broader bond analysis remains outside PASS-04. \nmn.gov // Minnesota's State Portal\n+3"],["Published term","January 1 through December 31","January 1 through December 31","eLicense describes an annual term. Commerce says the registrations expire December 31. \nmn.gov // Minnesota's State Portal\n+2"],["Published processing estimate","30–60 days","30–60 days","The eLicense pages characterize this as the “Length of Determination”; it is not treated as a guaranteed legal deadline. \nmn.gov // Minnesota's State Portal\n+1"]]},{"headers":["Checklist route","Public result on October 25, 2026","What was not available"],"index":1,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Checklist route","Public result on October 25, 2026","What was not available"],["Minnesota DMP new-application PDF","Redirected to the NMLS State Resource Center home; returned HTML with no checklist content","Checklist fields, revision/version date, page count, PDF bytes, and hash"],["Minnesota debt-settlement new-application PDF","Same","Same"],["Current NMLS Checklist Compiler","Public page exists and search metadata says users select licenses to download checklists; the dynamic content did not render in the public tool","Generated Minnesota checklist and its embedded metadata"],["Current License Requirements and Fees Chart","NMLS links an Excel chart for new licensing requirements; the spreadsheet format could not be opened by the public web tool","Minnesota row, state-specific supporting documents, current fee metadata, and revision date"],["Current Renewal Requirements and Fees Chart","NMLS links a separate spreadsheet; the spreadsheet format likewise could not be opened","Minnesota renewal row, reinstatement terms, supplemental documents, and any state-specific deadline"]]},{"headers":["MU1 portion","Publicly displayed fields"],"index":2,"links":[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html","text":"Nationwide Licensing System"}]],"rows":[["MU1 portion","Publicly displayed fields"],["Business and identity","Business activities and associated states; legal name; EIN; physical and mailing addresses; contact information; branch-location question. \nNationwide Licensing System\n+1"],["Names and operating presence","Trade names, resident/registered agent, websites, primary contacts, additional contacts, and books-and-records custodian/location. \nNationwide Licensing System\n+1"],["Designations and accounts","Approvals/designations, including the generic UDMSA accreditation item; bank-account information only when the regulator instructs the applicant to provide it. \nNationwide Licensing System"],["Entity structure","Legal status, affiliates and subsidiaries, controlling financial institutions, and disclosure questions. \nNationwide Licensing System\n+1"],["Ownership and responsible persons","Direct owners and executive officers, indirect owners, qualifying individuals, associated MU2 forms, and final execution/attestation. \nNationwide Licensing System\n+2"],["Supporting NMLS functions","Document uploads, historical filings, advance-change notices, and completeness checks before submission. \nNationwide Licensing System"]]},{"headers":["Evidence layer","Version/currentness evidence","Accreditation-proof treatment","No-credit-counseling affidavit","Residual-information / waiver treatment","Operational conclusion"],"index":3,"links":[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal"},{"href":"https://mn.gov/elicense/a-z/?id=1083-231349","text":"mn.gov // Minnesota's State Portal"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System\n+1"}],"row_links":[[],[],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal"}],[{"href":"https://mn.gov/elicense/a-z/?id=1083-231349","text":"mn.gov // Minnesota's State Portal"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System\n+1"}]],"rows":[["Evidence layer","Version/currentness evidence","Accreditation-proof treatment","No-credit-counseling affidavit","Residual-information / waiver treatment","Operational conclusion"],["Reviewed enacted law — P2 context","Effective August 1, 2026 at 12:01 a.m.","Minnesota-specific proof requirement deleted from the identified DMP and settlement application clauses","Settlement alternative affidavit deleted with former clause (7)","Residual-information clauses and temporary good-cause waiver language retained","Controls over inconsistent administrative materials; does not itself resolve pending-file handling"],["Commerce Debt Services page","Live page accessed October 25, 2026; footer says 2026 but no substantive revision date","No accreditation-proof instruction appears in the visible DMP or settlement application sections","No affidavit instruction appears","No public field or waiver procedure described","High-level conformity is possible, but the page is only an overview and contains an unrelated statutory-link inconsistency. \nmn.gov // Minnesota's State Portal\n+1"],["DMP eLicense listing","Modified August 25, 2026","No visible accreditation-proof field","Not applicable","No residual-information or waiver field","Post-effective-date metadata, but not proof that the underlying state checklist was revised. \nmn.gov // Minnesota's State Portal"],["Settlement eLicense listing","Modified August 25, 2026","No visible accreditation-proof field","No visible affidavit field","No residual-information or waiver field","Same limitation; listing retains a “Debt Management” copy error despite its modification date. \nmn.gov // Minnesota's State Portal"],["Minnesota-specific new-application checklist links","Legacy named-PDF URLs currently redirect to NMLS Resource Center home","Unknown","Unknown","Unknown","No checklist contents, date, page count, or hash were available. \nNationwide Licensing System\n+1"],["Current NMLS Checklist Compiler","Public replacement page accessed October 25, 2026; dynamically generated content did not render","Unknown for Minnesota","Unknown for Minnesota","Unknown for Minnesota","The compiler’s existence does not establish what the generated Minnesota checklist says. \nNationwide Licensing System\n+1"],["MU1 Version 5.0","July 1, 2026; nine pages; predates the Minnesota amendment’s August 1 effective date","Contains a generic item for “Uniform Debt-Management Services Act Accreditation” under approvals/designations currently held","No such affidavit field appears in the complete nine-page form","No Minnesota residual-information or good-cause-waiver field appears; NMLS permits generic document uploads and regulator-directed conditional information","The generic designation is not facially a Minnesota instruction to submit the repealed proof. It neither contradicts nor proves implementation of Minnesota’s amendment. \nNationwide Licensing System\n+2"],["Current NMLS Policy Guide","HTML transformation date September 4, 2026","Tells applicants to report approvals/designations they currently hold; does not identify a Minnesota accreditation mandate","No Minnesota affidavit instruction located","Requires consultation of state-specific requirements; supports uploads and conditional regulator requests","Confirms that MU1 and the state checklist are separate layers. The unavailable Minnesota checklist remains decisive operational evidence. \nNationwide Licensing System\n+1"],["Renewal materials","Current general NMLS renewal instructions; Minnesota row unavailable","No Minnesota-specific renewal accreditation condition verified","None verified","State-specific renewal documentation may exist in compiler/chart","No inference that renewal either requires or affirmatively waives accreditation evidence. \nNationwide Licensing System\n+1"]]},{"headers":["Official route or query family","Cutoff","Result"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Official route or query family","Cutoff","Result"],["Commerce Debt Services page and linked public application materials","October 25, 2026 Pacific","No transition or pending-file instruction visible"],["Commerce eLicense DMP and settlement listings","Same","No transition text"],["Direct Minnesota NMLS checklist URLs","Same","Redirected; checklist content unavailable"],["Current NMLS Checklist Compiler and renewal resources","Same","General operational resources found; generated Minnesota checklist unavailable"],["site:mn.gov/commerce \"332A.04\" 2026 accreditation","Same","No responsive transition document identified"],["site:mn.gov/commerce \"332B.04\" 2026 accreditation","Same","No responsive transition document identified"],["site:mn.gov/commerce \"Chapter 124\" \"debt settlement\" and DMP variants","Same","No responsive debt-services implementation item identified"],["Commerce news queries for 2026 debt-management/debt-settlement accreditation","Same","Returned unrelated or general Commerce materials, not a transition interpretation"],["NMLS queries for Minnesota checklist/accreditation updates","Same","Returned the general Checklist Compiler and NMLS resources, not a Minnesota change notice"]]},{"headers":["Roster","Date printed","Length","Fields displayed"],"index":5,"links":[],"row_links":[[],[],[]],"rows":[["Roster","Date printed","Length","Fields displayed"],["Minnesota Debt Management Licensees","March 12, 2025","One page","License number, company name, street, city, state, postal code"],["Minnesota Debt Settlement Licensees","March 12, 2025","One page","Same"]]},{"headers":["Internal NMLS status","General meaning","Consumer Access display","Consequence for verification"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Internal NMLS status","General meaning","Consumer Access display","Consequence for verification"],["Pending – Incomplete","New request submitted; requirements may remain","Not displayed","Absence from Consumer Access does not prove no application exists"],["Pending – Review","External checklist documents received and filing accepted for review","Not displayed","A pending application ordinarily does not establish authority"],["Pending – Deficient","Regulator has identified missing or incomplete material","Not displayed","Same"],["Approved","Regulator decided to issue through NMLS","Approved","Strong public evidence of issuance, subject to jurisdiction-specific confirmation"],["Approved–Conditional","Issued subject to conditions","Approved","Public “Approved” can conceal ongoing conditions"],["Approved–Deficient","Entity may conduct business but still owes documents or information","Approved","Public “Approved” can conceal unresolved license items"],["Approved–On Appeal","Adverse action is on appeal and operation remains authorized during appeal","Approved","Public “Approved” may coexist with an adverse proceeding"],["Approved–Inactive","Authority retained but the entity may be inactive or subject to conditions before resuming","Approved-Inactive","Not equivalent to unrestricted current operation"],["Terminated–Failed to Renew","Nonperpetual authority not renewed; entity is not authorized under it","Expired","A former license number is not current authority"],["Revoked / Suspended","Regulator has taken the stated adverse action","Revoked / Suspended","Not current unrestricted authority"]]},{"headers":["Evidence layer","Issuer","Document/version date","Public access result","What it establishes","What it does not establish"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Evidence layer","Issuer","Document/version date","Public access result","What it establishes","What it does not establish"],["Enacted amendment","Minnesota Legislature/Revisor; reviewed in P2","Effective August 1, 2026, 12:01 a.m.","Reused reviewed context","Deleted specified accreditation application provisions and definitions","Operational form revision, pending-file handling, or provider approval"],["Commerce Debt Services instructions","Minnesota Commerce","No substantive revision date; accessed Oct. 25, 2026","Read","NMLS route, license categories, bond, annual expiration, renewal charge, annual-report instruction","Full state checklist, exact form version, or transition policy"],["DMP eLicense listing","Minnesota License A-Z/Commerce","Modified Aug. 25, 2026","Read","Exact public license title, NMLS route, published charge/bond/term/estimate","That every field was conformed to the amendment"],["Settlement eLicense listing","Same","Modified Aug. 25, 2026","Read","Exact public title and operational summary","Same; page still contains a DMP-label copy error"],["Legacy Minnesota checklist links","Commerce/NMLS","No accessible version","Redirect only","The literal checklist names Commerce intended to link","Current contents, date, page count, or hash"],["Current Checklist Compiler","NMLS","No visible page revision in rendered result","Public landing page located; dynamic output unreadable","NMLS currently uses a generated-checklist model","Minnesota DMP/settlement checklist fields"],["Universal MU1","CSBS/NMLS","Version 5.0, July 1, 2026","Nine-page PDF read","Universal company information and declarations","Minnesota-specific completeness"],["Current NMLS Policy Guide","CSBS/NMLS","Sept. 4, 2026 transformation date","Read","MU1 use, conditional state requirements, status meanings","Minnesota substantive legal requirements"],["NMLS renewal instructions","CSBS/NMLS","Current public HTML accessed Oct. 25, 2026","Read","General Nov. 1–Dec. 31 renewal process and state-checklist dependency","Minnesota-specific reinstatement or supplemental items"],["Commerce lookup directory","Minnesota Commerce","No visible revision date","Read","Official public route for these license types","That linked results are live"],["DMP roster","Minnesota Commerce","March 12, 2025","One-page PDF read","Companies and branches included in that dated file","Current status or completeness in Oct. 2026"],["Settlement roster","Minnesota Commerce","March 12, 2025","One-page PDF read","Same","Same"],["NMLS Consumer Access","CSBS/NMLS","Current official descriptions; direct endpoint inaccessible in tool","Procedure partially verified; no entity search","General public-search method and status-display framework","Minnesota record availability for a particular entity in this session"],["Provider-specific record","None supplied","None","Not searched","Nothing","Any actual authorization, exemption, status, or condition"]]},{"headers":["Source ID","Title / issuer / complete literal URL","Actual read scope and pinpoint","Version/status","Prior alias and limitations"],"index":8,"links":[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/?id=1083-231349","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+4"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html","text":"Nationwide Licensing System\n+2"},{"href":"https://mn.gov/commerce/licensing/license-lookup/","text":"mn.gov // Minnesota's State Portal"},{"href":"https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","text":"mn.gov // Minnesota's State Portal"},{"href":"https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf","text":"mn.gov // Minnesota's State Portal"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/SitePages/NMLS-Ombudsman.aspx?utm_source=chatgpt.com","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/?id=1083-231349","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+4"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html","text":"Nationwide Licensing System\n+2"}],[{"href":"https://mn.gov/commerce/licensing/license-lookup/","text":"mn.gov // Minnesota's State Portal"}],[{"href":"https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","text":"mn.gov // Minnesota's State Portal"}],[{"href":"https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf","text":"mn.gov // Minnesota's State Portal"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/SitePages/NMLS-Ombudsman.aspx?utm_source=chatgpt.com","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html","text":"Nationwide Licensing System"}]],"rows":[["Source ID","Title / issuer / complete literal URL","Actual read scope and pinpoint","Version/status","Prior alias and limitations"],["S_MN-P4-S001","Minnesota Commerce, Debt Services https://mn.gov/commerce/money/non-depository/debt-services/","DMP application and renewal, lines 72–91; settlement application and renewal, lines 93–120. \nmn.gov // Minnesota's State Portal\n+1","Fresh public HTML read; no substantive revision date displayed","Related to P1-S005. Overview contains a DMP statutory-link inconsistency; not a checklist"],["S_MN-P4-S002","Minnesota eLicense, Debt Management Services Provider Company License / Branch License https://mn.gov/elicense/a-z/?id=1083-230795","Title, agency, creation/modification metadata, lines 22–30; application/renewal links and public requirements, lines 45–73. \nmn.gov // Minnesota's State Portal\n+1","Modified Aug. 25, 2026","Prior P1-S007. Modification date does not certify field-by-field conformity"],["S_MN-P4-S003","Minnesota eLicense, Debt Settlement Services Provider Company License https://mn.gov/elicense/a-z/?id=1083-231349","Title and modification date, lines 23–30; NMLS route and requirements, lines 49–79. \nmn.gov // Minnesota's State Portal\n+1","Modified Aug. 25, 2026","Prior P1-S006. Retains a DMP-label copy error"],["S_MN-P4-S004","NMLS intended Minnesota DMP checklist route https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","Complete public route attempted. \nNationwide Licensing System","Redirected to State Resource Center home; returned HTML, not PDF","Unsuccessful route. No contents, version, page count, or hash"],["S_MN-P4-S005","NMLS intended Minnesota settlement checklist route https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf","Complete public route attempted. \nNationwide Licensing System","Same redirect result","Same limitations"],["S_MN-P4-S006","NMLS, Licensing Checklists, Requirements, and Fees https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Public landing page and search-rendered description reviewed. \nNationwide Licensing System\n+1","Current compiler route; dynamic content did not render","Related generally to P1-S011. Generated Minnesota output not read"],["S_MN-P4-S007","NMLS, License Requirements and Fees Chart and renewal materials https://csbsannualrenewalchecklist.azurewebsites.net/life https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","Current renewal overview, lines 34–46; chart instructions, lines 78–95. Spreadsheet links were followed but unsupported by the public reader. \nNationwide Licensing System\n+1","Current public NMLS HTML; spreadsheet version metadata unavailable","Minnesota rows not read"],["S_MN-P4-S008","CSBS/NMLS, NMLS Company Form (MU1) https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20(MU1)%20Form.pdf","All nine pages; version and purpose, page 1; designations and bank accounts, page 5; ownership and execution, pages 7–9. \nNationwide Licensing System\n+4","Version 5.0, July 1, 2026; nine pages","Fresh complete PDF text review; pages 1 and 5 visually inspected. No public hash exposed"],["S_MN-P4-S009","CSBS/NMLS, NMLS Policy Guide, treated as one underlying guide with multiple HTML topics: https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","Guide date, lines 107–110; MU1 topics, lines 8–100; status table, lines 47–87. \nNationwide Licensing System\n+2","XML transformation Sept. 4, 2026","One underlying policy guide, not three independent authorities; guidance does not supersede Minnesota law"],["S_MN-P4-S010","Minnesota Commerce, License Lookup Directory https://mn.gov/commerce/licensing/license-lookup/","Directory purpose and DMP/settlement links, lines 18 and 50–52. \nmn.gov // Minnesota's State Portal","Fresh public HTML read; no revision date","Links these license types to static Commerce PDFs"],["S_MN-P4-S011","Minnesota Commerce, Minnesota Debt Management Licensees https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","Complete one-page roster, including columns and printed date. \nmn.gov // Minnesota's State Portal","Dated March 12, 2025; one page","Fresh complete PDF read and page visually inspected; no status or update-frequency fields; no hash exposed"],["S_MN-P4-S012","Minnesota Commerce, Minnesota Debt Settlement Licensees https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf","Complete one-page roster, lines 0–18. \nmn.gov // Minnesota's State Portal","Dated March 12, 2025; one page","Same limitations as S011"],["S_MN-P4-S013","NMLS, Consumer Access resources https://www.nmlsconsumeraccess.org/ https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html","Current policy-guide public-information discussion, lines 44–49; direct Consumer Access endpoint attempted. \nNationwide Licensing System","Policy-guide portion read; direct search endpoint inaccessible through tool","Official name/NMLS-ID search instruction was discoverable in NMLS search metadata, not fully rendered page content. \nNationwide Licensing System"],["S_MN-P4-S014","NMLS, Technical Requirements / system-of-record description https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html","System-of-record statement and current licensing-chart link, lines 4–25; browser requirements, lines 33–47. \nNationwide Licensing System","Fresh public HTML read","General NMLS architecture, not Minnesota legal authority"]]},{"headers":["Claim ID","Precise claim","Source and pinpoint","Conditions / confidence / currentness","Prior relationship"],"index":9,"links":[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+4"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"},{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+4"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System"},{"href":"https://mn.gov/commerce/licensing/license-lookup/","text":"mn.gov // Minnesota's State Portal\n+2"},{"href":"https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","text":"mn.gov // Minnesota's State Portal\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/elicense/a-z/index.jsp?id=1083-230795","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+4"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+4"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mn.gov/commerce/money/non-depository/debt-services/index.jsp","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","text":"Nationwide Licensing System"}],[],[{"href":"https://mn.gov/commerce/licensing/license-lookup/","text":"mn.gov // Minnesota's State Portal\n+2"}],[{"href":"https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","text":"mn.gov // Minnesota's State Portal\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","text":"Nationwide Licensing System"}],[],[],[],[]],"rows":[["Claim ID","Precise claim","Source and pinpoint","Conditions / confidence / currentness","Prior relationship"],["S_MN-P4-C001","Commerce currently directs both DMP and settlement applicants to use NMLS and publishes a checklist link for each.","S001, lines 72–76 and 101–105. \nmn.gov // Minnesota's State Portal\n+1","High confidence as to visible public instructions; checklist contents separately unresolved","Develops P1-C016"],["S_MN-P4-C002","Current public license titles are “Debt Management Services Provider Company License / Branch License” and “Debt Settlement Services Provider Company License.”","S002 lines 22–24; S003 lines 23–27. \nmn.gov // Minnesota's State Portal\n+1","High confidence for eLicense titles","Operational terminology only"],["S_MN-P4-C003","The eLicense pages display Aug. 25, 2026 modification timestamps.","S002 lines 26–27; S003 lines 29–30. \nmn.gov // Minnesota's State Portal\n+1","Timestamp does not prove substantive legal or checklist review","Narrows P2-C016"],["S_MN-P4-C004","The post-effective-date listings retain copy or link inconsistencies.","S001 line 78; S003 line 65. \nmn.gov // Minnesota's State Portal\n+1","Supports caution; does not invalidate correct portions","New operational-quality finding"],["S_MN-P4-C005","Both Commerce-linked legacy Minnesota checklist PDF routes currently redirect to the NMLS Resource Center home.","S004–S005. \nNationwide Licensing System\n+1","High confidence for this session’s public route; does not prove checklist nonexistence","Resolves P2 checklist-access route only"],["S_MN-P4-C006","The current Checklist Compiler exists, but its generated Minnesota output was not readable through the public tool.","S006. \nNationwide Licensing System\n+1","Exact state checklist remains held","Preserves P2-C016 limitation"],["S_MN-P4-C007","MU1 Version 5.0 is dated July 1, 2026 and contains nine pages.","S008 page 1. \nNationwide Licensing System","High confidence; it is a universal instructional form, not the Minnesota checklist","New P4 evidence"],["S_MN-P4-C008","MU1 supplies the universal company information, ownership, disclosure, designation, and attestation structure used for participating-state applications.","S008 all pages; S009 MU1 chapter. \nNationwide Licensing System\n+4","Exact Minnesota conditional fields require the state checklist","New"],["S_MN-P4-C009","MU1 includes a generic UDMSA accreditation designation under approvals/designations currently held.","S008 page 5, lines 142–156. \nNationwide Licensing System","It is not facially a Minnesota proof-upload requirement","Compared with P2-C001/C002"],["S_MN-P4-C010","No Minnesota-specific accreditation-proof direction or settlement no-credit-counseling affidavit appears in the visible Commerce/eLicense instructions or complete MU1.","S001–S003 and S008. \nmn.gov // Minnesota's State Portal\n+4","State-specific checklist unavailable; therefore only a partial operational-conformity finding","Supports, but does not expand, P2 amendment claims"],["S_MN-P4-C011","No public form field expressly implementing Minnesota’s residual-information or temporary-waiver clauses was identified.","S008–S009. \nNationwide Licensing System\n+1","Generic uploads and regulator-directed fields do not prove reimposition of deleted accreditation evidence","Relates to P2-C008"],["S_MN-P4-C012","Commerce publishes annual Dec. 31 expiration, a $250 renewal charge, NMLS renewal, and a March 15 annual-report due date.","S001 lines 87–91 and 116–120. \nmn.gov // Minnesota's State Portal\n+1","Exact Minnesota NMLS filing/reinstatement row unavailable","Develops P1-C016"],["S_MN-P4-C013","NMLS’s general company renewal period runs Nov. 1–Dec. 31 and includes attestation, license-item resolution, charges, and possible state checklist requirements.","S007. \nNationwide Licensing System","General NMLS procedure; not a substitute for the Minnesota row","New"],["S_MN-P4-C014","No responsive public transition instruction for applications pending across Aug. 1, 2026 was located in the bounded reviewed routes.","Search protocol in A.3; S001–S007","Moderate confidence only as a search result. It is not proof that no record exists","Preserves P2-C006 hold"],["S_MN-P4-C015","Commerce’s DMP and settlement lookup links currently lead to one-page rosters dated March 12, 2025.","S010–S012. \nmn.gov // Minnesota's State Portal\n+2","High confidence; rosters are historical snapshots","New"],["S_MN-P4-C016","The rosters disclose license number, name, and address but do not disclose current status, issue/expiration date, conditions, or update frequency.","S011–S012. \nmn.gov // Minnesota's State Portal\n+1","They cannot alone prove October 2026 authority","New"],["S_MN-P4-C017","NMLS pending-incomplete, pending-review, and pending-deficient company statuses are generally not displayed on Consumer Access.","S009 Appendix 11, lines 51–64. \nNationwide Licensing System","NMLS cautions that jurisdictional uses can vary","New"],["S_MN-P4-C018","Consumer Access can display Approved for internal Approved, Approved-Conditional, Approved-Deficient, and Approved-On-Appeal statuses.","S009 Appendix 11, lines 68–76. \nNationwide Licensing System","Public “Approved” does not establish absence of conditions or deficiencies","New"],["S_MN-P4-C019","The direct NMLS Consumer Access endpoint was not usable through the public web tool in this session.","S013. (Invalid URL)","Tool-access finding only; no claim of general outage or universal inaccessibility","New"],["S_MN-P4-C020","No named provider’s current registration, pending status, approval, conditions, or exemption was established.","No entity supplied; C015–C019","High confidence within this pass","Preserves P1-C018 and P2-C015/C016"],["S_MN-P4-C021","Public material conformity does not itself constitute agency approval or provider authorization.","C005–C020","Legal/operational boundary conclusion","Preserves all prior authorization holds"],["S_MN-P4-C022","All broader statutory-consolidation, rule, order, case, fee-performance, funds, bond, remedy, contract, federal, local, and tribal questions remain outside this component.","Scope limitation","Express hold; no negative inference","P1-C020 and P2-C018 remain"]]},{"headers":["PASS-04 component","Status","Claim IDs","Exact missing evidence / next action"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-04 component","Status","Claim IDs","Exact missing evidence / next action"],["Current Commerce DMP overview","Answered","C001–C004","No further work for the visible page; do not treat it as the complete checklist"],["Current Commerce settlement overview","Answered","C001–C004","Same"],["Exact public eLicense titles","Answered","C002","NMLS-generated title should be confirmed from a generated checklist when accessible"],["Post-Aug. 1 page modification metadata","Answered","C003–C004","Obtain page revision history if substantive change timing matters"],["Universal MU1 version, date, and page count","Answered","C007–C008","Cryptographic hash was not exposed; no hash required for current substantive conclusion"],["Universal MU1 operative sections","Answered","C008","State-specific conditions remain separate"],["Current Minnesota DMP checklist contents","Unresolved","C005–C006","Retrieve generated checklist from current NMLS compiler in a supported public rendering environment; preserve file metadata"],["Current Minnesota settlement checklist contents","Unresolved","C005–C006","Same"],["Checklist revision/validity date","Unresolved","C005–C006","Read document header/footer and compiler metadata"],["Checklist page count and hash","Unresolved","C005–C006","Obtain actual PDF bytes; record page count and a disclosed or computed hash only in an authorized file-processing pass"],["Accreditation-proof removal in visible overview pages","Answered narrowly","C009–C010","No visible Minnesota proof instruction"],["Accreditation-proof removal in state checklist","Unresolved","C005–C010","Actual generated checklist required"],["Generic MU1 accreditation field classification","Answered","C009","It is a universal designation field, not demonstrated Minnesota proof"],["No-credit-counseling affidavit in visible materials","Answered narrowly","C010","No such field in visible pages/MU1"],["No-credit-counseling affidavit in Minnesota checklist","Unresolved","C005–C010","Actual generated settlement checklist required"],["Residual-information implementation","Partial","C011","Current Minnesota checklist, license-item templates, or published Commerce instruction"],["Temporary-waiver implementation","Partial","C011","Published waiver form, standard, order, or agency instruction; none located"],["Pending pre-Aug. 1 applications","Unresolved","C014","Responsive Commerce/NMLS transition record or actual file-specific agency communication"],["Grandfathering/reapplication instruction","Unresolved","C014","Same"],["Current initial-application route","Answered at framework level","C001, C006–C011","State-specific checklist package remains missing"],["Current renewal framework","Answered generally","C012–C013","Minnesota row in current renewal compiler/chart"],["Exact 2026–2027 Minnesota renewal deadline","Partial","C012–C013","Read Minnesota-specific renewal row; do not infer reinstatement from NMLS’s general statement"],["March 15 annual report instruction","Answered as published","C012","Actual report form/content remains outside this pass"],["Commerce public status route","Answered","C015–C016","Route currently provides dated rosters"],["March 2025 roster contents","Answered","C015–C016","No currentness inference"],["Whether rosters are exhaustive/current in Oct. 2026","Unresolved","C016","Updated roster, update policy, or current live lookup"],["NMLS Consumer Access procedure","Partial","C017–C019","Direct public endpoint or an accessible current entity-search interface"],["NMLS public status semantics","Answered generally","C017–C018","Particular jurisdiction/entity conditions still require the actual record"],["Actual provider registration","Not investigated—no provider supplied","C020","Exact legal name or NMLS ID and current official result"],["Actual provider exemption","Outside this operational pass","C020–C022","Fact-specific statutory application in a later authorized component"],["Full later-2026 amendments/consolidation","Excluded and open","C022","Final official statutes-changed/consolidated-code pass"],["Exhaustive rules, orders, and cases","Excluded and open","C022","Separate complete authority pass"],["State/federal fee-performance and partial-plan timing","Excluded and preserved","C022","Later fee-performance component"],["Initial-money ledger and origination-plus-maintenance issue","Excluded and preserved","C022","Later funds/fee component"],["Bonds, funds, remedies, contracts, local and tribal law","Excluded and preserved","C022","Separate parent-state dimensions"]]}],"claims":[{"claim_id":"S_MN-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C001","Precise claim":"Commerce currently directs both DMP and settlement applicants to use NMLS and publishes a checklist link for each.","Source and pinpoint":"S001, lines 72–76 and 101–105. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"High confidence as to visible public instructions; checklist contents separately unresolved","Prior relationship":"Develops P1-C016"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C002","Precise claim":"Current public license titles are “Debt Management Services Provider Company License / Branch License” and “Debt Settlement Services Provider Company License.”","Source and pinpoint":"S002 lines 22–24; S003 lines 23–27. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"High confidence for eLicense titles","Prior relationship":"Operational terminology only"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C003","Precise claim":"The eLicense pages display Aug. 25, 2026 modification timestamps.","Source and pinpoint":"S002 lines 26–27; S003 lines 29–30. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"Timestamp does not prove substantive legal or checklist review","Prior relationship":"Narrows P2-C016"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C004","Precise claim":"The post-effective-date listings retain copy or link inconsistencies.","Source and pinpoint":"S001 line 78; S003 line 65. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"Supports caution; does not invalidate correct portions","Prior relationship":"New operational-quality finding"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C005","Precise claim":"Both Commerce-linked legacy Minnesota checklist PDF routes currently redirect to the NMLS Resource Center home.","Source and pinpoint":"S004–S005. \nNationwide Licensing System\n+1","Conditions / confidence / currentness":"High confidence for this session’s public route; does not prove checklist nonexistence","Prior relationship":"Resolves P2 checklist-access route only"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C006","Precise claim":"The current Checklist Compiler exists, but its generated Minnesota output was not readable through the public tool.","Source and pinpoint":"S006. \nNationwide Licensing System\n+1","Conditions / confidence / currentness":"Exact state checklist remains held","Prior relationship":"Preserves P2-C016 limitation"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C007","Precise claim":"MU1 Version 5.0 is dated July 1, 2026 and contains nine pages.","Source and pinpoint":"S008 page 1. \nNationwide Licensing System","Conditions / confidence / currentness":"High confidence; it is a universal instructional form, not the Minnesota checklist","Prior relationship":"New P4 evidence"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C008","Precise claim":"MU1 supplies the universal company information, ownership, disclosure, designation, and attestation structure used for participating-state applications.","Source and pinpoint":"S008 all pages; S009 MU1 chapter. \nNationwide Licensing System\n+4","Conditions / confidence / currentness":"Exact Minnesota conditional fields require the state checklist","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C009","Precise claim":"MU1 includes a generic UDMSA accreditation designation under approvals/designations currently held.","Source and pinpoint":"S008 page 5, lines 142–156. \nNationwide Licensing System","Conditions / confidence / currentness":"It is not facially a Minnesota proof-upload requirement","Prior relationship":"Compared with P2-C001/C002"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C010","Precise claim":"No Minnesota-specific accreditation-proof direction or settlement no-credit-counseling affidavit appears in the visible Commerce/eLicense instructions or complete MU1.","Source and pinpoint":"S001–S003 and S008. \nmn.gov // Minnesota's State Portal\n+4","Conditions / confidence / currentness":"State-specific checklist unavailable; therefore only a partial operational-conformity finding","Prior relationship":"Supports, but does not expand, P2 amendment claims"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C011","Precise claim":"No public form field expressly implementing Minnesota’s residual-information or temporary-waiver clauses was identified.","Source and pinpoint":"S008–S009. \nNationwide Licensing System\n+1","Conditions / confidence / currentness":"Generic uploads and regulator-directed fields do not prove reimposition of deleted accreditation evidence","Prior relationship":"Relates to P2-C008"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C012","Precise claim":"Commerce publishes annual Dec. 31 expiration, a $250 renewal charge, NMLS renewal, and a March 15 annual-report due date.","Source and pinpoint":"S001 lines 87–91 and 116–120. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"Exact Minnesota NMLS filing/reinstatement row unavailable","Prior relationship":"Develops P1-C016"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C013","Precise claim":"NMLS’s general company renewal period runs Nov. 1–Dec. 31 and includes attestation, license-item resolution, charges, and possible state checklist requirements.","Source and pinpoint":"S007. \nNationwide Licensing System","Conditions / confidence / currentness":"General NMLS procedure; not a substitute for the Minnesota row","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C014","Precise claim":"No responsive public transition instruction for applications pending across Aug. 1, 2026 was located in the bounded reviewed routes.","Source and pinpoint":"Search protocol in A.3; S001–S007","Conditions / confidence / currentness":"Moderate confidence only as a search result. It is not proof that no record exists","Prior relationship":"Preserves P2-C006 hold"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C015","Precise claim":"Commerce’s DMP and settlement lookup links currently lead to one-page rosters dated March 12, 2025.","Source and pinpoint":"S010–S012. \nmn.gov // Minnesota's State Portal\n+2","Conditions / confidence / currentness":"High confidence; rosters are historical snapshots","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C016","Precise claim":"The rosters disclose license number, name, and address but do not disclose current status, issue/expiration date, conditions, or update frequency.","Source and pinpoint":"S011–S012. \nmn.gov // Minnesota's State Portal\n+1","Conditions / confidence / currentness":"They cannot alone prove October 2026 authority","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C017","Precise claim":"NMLS pending-incomplete, pending-review, and pending-deficient company statuses are generally not displayed on Consumer Access.","Source and pinpoint":"S009 Appendix 11, lines 51–64. \nNationwide Licensing System","Conditions / confidence / currentness":"NMLS cautions that jurisdictional uses can vary","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C018","Precise claim":"Consumer Access can display Approved for internal Approved, Approved-Conditional, Approved-Deficient, and Approved-On-Appeal statuses.","Source and pinpoint":"S009 Appendix 11, lines 68–76. \nNationwide Licensing System","Conditions / confidence / currentness":"Public “Approved” does not establish absence of conditions or deficiencies","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C019","Precise claim":"The direct NMLS Consumer Access endpoint was not usable through the public web tool in this session.","Source and pinpoint":"S013. (Invalid URL)","Conditions / confidence / currentness":"Tool-access finding only; no claim of general outage or universal inaccessibility","Prior relationship":"New"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C020","Precise claim":"No named provider’s current registration, pending status, approval, conditions, or exemption was established.","Source and pinpoint":"No entity supplied; C015–C019","Conditions / confidence / currentness":"High confidence within this pass","Prior relationship":"Preserves P1-C018 and P2-C015/C016"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C021","Precise claim":"Public material conformity does not itself constitute agency approval or provider authorization.","Source and pinpoint":"C005–C020","Conditions / confidence / currentness":"Legal/operational boundary conclusion","Prior relationship":"Preserves all prior authorization holds"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P4-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MN-P4-C022","Precise claim":"All broader statutory-consolidation, rule, order, case, fee-performance, funds, bond, remedy, contract, federal, local, and tribal questions remain outside this component.","Source and pinpoint":"Scope limitation","Conditions / confidence / currentness":"Express hold; no negative inference","Prior relationship":"P1-C020 and P2-C018 remain"},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_MN-P4-S001","urls":["https://mn.gov/commerce/money/non-depository/debt-services/","https://mn.gov/commerce/money/non-depository/debt-services/index.jsp"],"researcher_record":{"Source ID":"S_MN-P4-S001","Title / issuer / complete literal URL":"Minnesota Commerce, Debt Services https://mn.gov/commerce/money/non-depository/debt-services/","Actual read scope and pinpoint":"DMP application and renewal, lines 72–91; settlement application and renewal, lines 93–120. \nmn.gov // Minnesota's State Portal\n+1","Version/status":"Fresh public HTML read; no substantive revision date displayed","Prior alias and limitations":"Related to P1-S005. Overview contains a DMP statutory-link inconsistency; not a checklist"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S002","urls":["https://mn.gov/elicense/a-z/?id=1083-230795","https://mn.gov/elicense/a-z/index.jsp?id=1083-230795"],"researcher_record":{"Source ID":"S_MN-P4-S002","Title / issuer / complete literal URL":"Minnesota eLicense, Debt Management Services Provider Company License / Branch License https://mn.gov/elicense/a-z/?id=1083-230795","Actual read scope and pinpoint":"Title, agency, creation/modification metadata, lines 22–30; application/renewal links and public requirements, lines 45–73. \nmn.gov // Minnesota's State Portal\n+1","Version/status":"Modified Aug. 25, 2026","Prior alias and limitations":"Prior P1-S007. Modification date does not certify field-by-field conformity"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S003","urls":["https://mn.gov/elicense/a-z/?id=1083-231349"],"researcher_record":{"Source ID":"S_MN-P4-S003","Title / issuer / complete literal URL":"Minnesota eLicense, Debt Settlement Services Provider Company License https://mn.gov/elicense/a-z/?id=1083-231349","Actual read scope and pinpoint":"Title and modification date, lines 23–30; NMLS route and requirements, lines 49–79. \nmn.gov // Minnesota's State Portal\n+1","Version/status":"Modified Aug. 25, 2026","Prior alias and limitations":"Prior P1-S006. Retains a DMP-label copy error"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S004","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf"],"researcher_record":{"Source ID":"S_MN-P4-S004","Title / issuer / complete literal URL":"NMLS intended Minnesota DMP checklist route https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Management_Services_Provider_Company_License-New-App-Checklist.pdf","Actual read scope and pinpoint":"Complete public route attempted. \nNationwide Licensing System","Version/status":"Redirected to State Resource Center home; returned HTML, not PDF","Prior alias and limitations":"Unsuccessful route. No contents, version, page count, or hash"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S005","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf"],"researcher_record":{"Source ID":"S_MN-P4-S005","Title / issuer / complete literal URL":"NMLS intended Minnesota settlement checklist route https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/MN_Debt_Settlement_Services_Provider_Company_License-New-App-Checklist.pdf","Actual read scope and pinpoint":"Complete public route attempted. \nNationwide Licensing System","Version/status":"Same redirect result","Prior alias and limitations":"Same limitations"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S006","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"],"researcher_record":{"Source ID":"S_MN-P4-S006","Title / issuer / complete literal URL":"NMLS, Licensing Checklists, Requirements, and Fees https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Actual read scope and pinpoint":"Public landing page and search-rendered description reviewed. \nNationwide Licensing System\n+1","Version/status":"Current compiler route; dynamic content did not render","Prior alias and limitations":"Related generally to P1-S011. Generated Minnesota output not read"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S007","urls":["https://csbsannualrenewalchecklist.azurewebsites.net/life","https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees","https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html"],"researcher_record":{"Source ID":"S_MN-P4-S007","Title / issuer / complete literal URL":"NMLS, License Requirements and Fees Chart and renewal materials https://csbsannualrenewalchecklist.azurewebsites.net/life https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html","Actual read scope and pinpoint":"Current renewal overview, lines 34–46; chart instructions, lines 78–95. Spreadsheet links were followed but unsupported by the public reader. \nNationwide Licensing System\n+1","Version/status":"Current public NMLS HTML; spreadsheet version metadata unavailable","Prior alias and limitations":"Minnesota rows not read"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S008","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20(MU1)%20Form.pdf","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf"],"researcher_record":{"Source ID":"S_MN-P4-S008","Title / issuer / complete literal URL":"CSBS/NMLS, NMLS Company Form (MU1) https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20(MU1)%20Form.pdf","Actual read scope and pinpoint":"All nine pages; version and purpose, page 1; designations and bank accounts, page 5; ownership and execution, pages 7–9. \nNationwide Licensing System\n+4","Version/status":"Version 5.0, July 1, 2026; nine pages","Prior alias and limitations":"Fresh complete PDF text review; pages 1 and 5 visually inspected. No public hash exposed"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S009","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html","https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html","https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html"],"researcher_record":{"Source ID":"S_MN-P4-S009","Title / issuer / complete literal URL":"CSBS/NMLS, NMLS Policy Guide, treated as one underlying guide with multiple HTML topics: https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/index.html https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch2_MU1_NMLSCompanyForm.html https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_licenseStatusDefinitions.html","Actual read scope and pinpoint":"Guide date, lines 107–110; MU1 topics, lines 8–100; status table, lines 47–87. \nNationwide Licensing System\n+2","Version/status":"XML transformation Sept. 4, 2026","Prior alias and limitations":"One underlying policy guide, not three independent authorities; guidance does not supersede Minnesota law"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S010","urls":["https://mn.gov/commerce/licensing/license-lookup/"],"researcher_record":{"Source ID":"S_MN-P4-S010","Title / issuer / complete literal URL":"Minnesota Commerce, License Lookup Directory https://mn.gov/commerce/licensing/license-lookup/","Actual read scope and pinpoint":"Directory purpose and DMP/settlement links, lines 18 and 50–52. \nmn.gov // Minnesota's State Portal","Version/status":"Fresh public HTML read; no revision date","Prior alias and limitations":"Links these license types to static Commerce PDFs"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S011","urls":["https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf"],"researcher_record":{"Source ID":"S_MN-P4-S011","Title / issuer / complete literal URL":"Minnesota Commerce, Minnesota Debt Management Licensees https://mn.gov/commerce-stat/pdfs/debt-management-licensees.pdf","Actual read scope and pinpoint":"Complete one-page roster, including columns and printed date. \nmn.gov // Minnesota's State Portal","Version/status":"Dated March 12, 2025; one page","Prior alias and limitations":"Fresh complete PDF read and page visually inspected; no status or update-frequency fields; no hash exposed"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S012","urls":["https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf"],"researcher_record":{"Source ID":"S_MN-P4-S012","Title / issuer / complete literal URL":"Minnesota Commerce, Minnesota Debt Settlement Licensees https://mn.gov/commerce-stat/pdfs/debt-settlement-licensees.pdf","Actual read scope and pinpoint":"Complete one-page roster, lines 0–18. \nmn.gov // Minnesota's State Portal","Version/status":"Dated March 12, 2025; one page","Prior alias and limitations":"Same limitations as S011"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S013","urls":["https://www.nmlsconsumeraccess.org/","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/SitePages/NMLS-Ombudsman.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P4-S013","Title / issuer / complete literal URL":"NMLS, Consumer Access resources https://www.nmlsconsumeraccess.org/ https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ch1F_consumerAccPublicInfo.html","Actual read scope and pinpoint":"Current policy-guide public-information discussion, lines 44–49; direct Consumer Access endpoint attempted. \nNationwide Licensing System","Version/status":"Policy-guide portion read; direct search endpoint inaccessible through tool","Prior alias and limitations":"Official name/NMLS-ID search instruction was discoverable in NMLS search metadata, not fully rendered page content. \nNationwide Licensing System"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P4-S014","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html"],"researcher_record":{"Source ID":"S_MN-P4-S014","Title / issuer / complete literal URL":"NMLS, Technical Requirements / system-of-record description https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/aboutNMLS/reference/aboutNMLS/maps/topics/aboutNMLS_techReq.html","Actual read scope and pinpoint":"System-of-record statement and current licensing-chart link, lines 4–25; browser requirements, lines 33–47. \nNationwide Licensing System","Version/status":"Fresh public HTML read","Prior alias and limitations":"General NMLS architecture, not Minnesota legal authority"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Current Commerce DMP overview","researcher_record":{"PASS-04 component":"Current Commerce DMP overview","Status":"Answered","Claim IDs":"C001–C004","Exact missing evidence / next action":"No further work for the visible page; do not treat it as the complete checklist"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current Commerce settlement overview","researcher_record":{"PASS-04 component":"Current Commerce settlement overview","Status":"Answered","Claim IDs":"C001–C004","Exact missing evidence / next action":"Same"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Exact public eLicense titles","researcher_record":{"PASS-04 component":"Exact public eLicense titles","Status":"Answered","Claim IDs":"C002","Exact missing evidence / next action":"NMLS-generated title should be confirmed from a generated checklist when accessible"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Post-Aug. 1 page modification metadata","researcher_record":{"PASS-04 component":"Post-Aug. 1 page modification metadata","Status":"Answered","Claim IDs":"C003–C004","Exact missing evidence / next action":"Obtain page revision history if substantive change timing matters"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Universal MU1 version, date, and page count","researcher_record":{"PASS-04 component":"Universal MU1 version, date, and page count","Status":"Answered","Claim IDs":"C007–C008","Exact missing evidence / next action":"Cryptographic hash was not exposed; no hash required for current substantive conclusion"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Universal MU1 operative sections","researcher_record":{"PASS-04 component":"Universal MU1 operative sections","Status":"Answered","Claim IDs":"C008","Exact missing evidence / next action":"State-specific conditions remain separate"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current Minnesota DMP checklist contents","researcher_record":{"PASS-04 component":"Current Minnesota DMP checklist contents","Status":"Unresolved","Claim IDs":"C005–C006","Exact missing evidence / next action":"Retrieve generated checklist from current NMLS compiler in a supported public rendering environment; preserve file metadata"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current Minnesota settlement checklist contents","researcher_record":{"PASS-04 component":"Current Minnesota settlement checklist contents","Status":"Unresolved","Claim IDs":"C005–C006","Exact missing evidence / next action":"Same"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Checklist revision/validity date","researcher_record":{"PASS-04 component":"Checklist revision/validity date","Status":"Unresolved","Claim IDs":"C005–C006","Exact missing evidence / next action":"Read document header/footer and compiler metadata"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Checklist page count and hash","researcher_record":{"PASS-04 component":"Checklist page count and hash","Status":"Unresolved","Claim IDs":"C005–C006","Exact missing evidence / next action":"Obtain actual PDF bytes; record page count and a disclosed or computed hash only in an authorized file-processing pass"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Accreditation-proof removal in visible overview pages","researcher_record":{"PASS-04 component":"Accreditation-proof removal in visible overview pages","Status":"Answered narrowly","Claim IDs":"C009–C010","Exact missing evidence / next action":"No visible Minnesota proof instruction"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Accreditation-proof removal in state checklist","researcher_record":{"PASS-04 component":"Accreditation-proof removal in state checklist","Status":"Unresolved","Claim IDs":"C005–C010","Exact missing evidence / next action":"Actual generated checklist required"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Generic MU1 accreditation field classification","researcher_record":{"PASS-04 component":"Generic MU1 accreditation field classification","Status":"Answered","Claim IDs":"C009","Exact missing evidence / next action":"It is a universal designation field, not demonstrated Minnesota proof"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"No-credit-counseling affidavit in visible materials","researcher_record":{"PASS-04 component":"No-credit-counseling affidavit in visible materials","Status":"Answered narrowly","Claim IDs":"C010","Exact missing evidence / next action":"No such field in visible pages/MU1"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"No-credit-counseling affidavit in Minnesota checklist","researcher_record":{"PASS-04 component":"No-credit-counseling affidavit in Minnesota checklist","Status":"Unresolved","Claim IDs":"C005–C010","Exact missing evidence / next action":"Actual generated settlement checklist required"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Residual-information implementation","researcher_record":{"PASS-04 component":"Residual-information implementation","Status":"Partial","Claim IDs":"C011","Exact missing evidence / next action":"Current Minnesota checklist, license-item templates, or published Commerce instruction"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Temporary-waiver implementation","researcher_record":{"PASS-04 component":"Temporary-waiver implementation","Status":"Partial","Claim IDs":"C011","Exact missing evidence / next action":"Published waiver form, standard, order, or agency instruction; none located"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Pending pre-Aug. 1 applications","researcher_record":{"PASS-04 component":"Pending pre-Aug. 1 applications","Status":"Unresolved","Claim IDs":"C014","Exact missing evidence / next action":"Responsive Commerce/NMLS transition record or actual file-specific agency communication"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Grandfathering/reapplication instruction","researcher_record":{"PASS-04 component":"Grandfathering/reapplication instruction","Status":"Unresolved","Claim IDs":"C014","Exact missing evidence / next action":"Same"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current initial-application route","researcher_record":{"PASS-04 component":"Current initial-application route","Status":"Answered at framework level","Claim IDs":"C001, C006–C011","Exact missing evidence / next action":"State-specific checklist package remains missing"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current renewal framework","researcher_record":{"PASS-04 component":"Current renewal framework","Status":"Answered generally","Claim IDs":"C012–C013","Exact missing evidence / next action":"Minnesota row in current renewal compiler/chart"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Exact 2026–2027 Minnesota renewal deadline","researcher_record":{"PASS-04 component":"Exact 2026–2027 Minnesota renewal deadline","Status":"Partial","Claim IDs":"C012–C013","Exact missing evidence / next action":"Read Minnesota-specific renewal row; do not infer reinstatement from NMLS’s general statement"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"March 15 annual report instruction","researcher_record":{"PASS-04 component":"March 15 annual report instruction","Status":"Answered as published","Claim IDs":"C012","Exact missing evidence / next action":"Actual report form/content remains outside this pass"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Commerce public status route","researcher_record":{"PASS-04 component":"Commerce public status route","Status":"Answered","Claim IDs":"C015–C016","Exact missing evidence / next action":"Route currently provides dated rosters"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"March 2025 roster contents","researcher_record":{"PASS-04 component":"March 2025 roster contents","Status":"Answered","Claim IDs":"C015–C016","Exact missing evidence / next action":"No currentness inference"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Whether rosters are exhaustive/current in Oct. 2026","researcher_record":{"PASS-04 component":"Whether rosters are exhaustive/current in Oct. 2026","Status":"Unresolved","Claim IDs":"C016","Exact missing evidence / next action":"Updated roster, update policy, or current live lookup"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"NMLS Consumer Access procedure","researcher_record":{"PASS-04 component":"NMLS Consumer Access procedure","Status":"Partial","Claim IDs":"C017–C019","Exact missing evidence / next action":"Direct public endpoint or an accessible current entity-search interface"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"NMLS public status semantics","researcher_record":{"PASS-04 component":"NMLS public status semantics","Status":"Answered generally","Claim IDs":"C017–C018","Exact missing evidence / next action":"Particular jurisdiction/entity conditions still require the actual record"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Actual provider registration","researcher_record":{"PASS-04 component":"Actual provider registration","Status":"Not investigated—no provider supplied","Claim IDs":"C020","Exact missing evidence / next action":"Exact legal name or NMLS ID and current official result"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Actual provider exemption","researcher_record":{"PASS-04 component":"Actual provider exemption","Status":"Outside this operational pass","Claim IDs":"C020–C022","Exact missing evidence / next action":"Fact-specific statutory application in a later authorized component"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Full later-2026 amendments/consolidation","researcher_record":{"PASS-04 component":"Full later-2026 amendments/consolidation","Status":"Excluded and open","Claim IDs":"C022","Exact missing evidence / next action":"Final official statutes-changed/consolidated-code pass"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Exhaustive rules, orders, and cases","researcher_record":{"PASS-04 component":"Exhaustive rules, orders, and cases","Status":"Excluded and open","Claim IDs":"C022","Exact missing evidence / next action":"Separate complete authority pass"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"State/federal fee-performance and partial-plan timing","researcher_record":{"PASS-04 component":"State/federal fee-performance and partial-plan timing","Status":"Excluded and preserved","Claim IDs":"C022","Exact missing evidence / next action":"Later fee-performance component"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Initial-money ledger and origination-plus-maintenance issue","researcher_record":{"PASS-04 component":"Initial-money ledger and origination-plus-maintenance issue","Status":"Excluded and preserved","Claim IDs":"C022","Exact missing evidence / next action":"Later funds/fee component"},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Bonds, funds, remedies, contracts, local and tribal law","researcher_record":{"PASS-04 component":"Bonds, funds, remedies, contracts, local and tribal law","Status":"Excluded and preserved","Claim IDs":"C022","Exact missing evidence / next action":"Separate parent-state dimensions"},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_MN-P04-operational-checklist-status-holds-20261027","status":"scopedreview_complete_no_material_contradiction_currentchecklisttransitionstatusholds","at":"2026-10-27T09:14:56.138780+00:00"}]}