{"meta":{"key":"s_mn--pass-07","task":"S_MN","title":"SMN Minnesota lead generation, referrals, compensation, and provider boundaries","parent_title":"Minnesota debt and debt relief law","edition":"pass-07","path":"/research/s_mn--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":12,"claims":44,"sources":25,"review_status":"scoped_review_complete_referral_registration_media_currentness_holds","review_complete":true,"sha256":"1c82dacfa19851bfed800f083d477f054bdd9d125ea228b2f729377cd400654a","headings":["A1. Four questions must be answered separately","A2. Lead generation is distinct from providing the service—but not necessarily unregulated","Actor/activity/required-step matrix","The remaining lead-only registration question","A3. Payment direction changes the legal analysis","The incorporation that cannot be omitted","Compensation matrix","Three important limits on those conclusions","A4. Solicitation disclosures and misleading claims","A5. Nexus and exemption boundaries","B1. Roles and campaign predicates","B2. Substantial assistance is not strict liability from selling a lead","Published majority opinion actually read","B3. Advance-fee and account conditions—limited use here","Common conventions","M01 — Flat-price leads, rejection credits, and an advertising alternative","Stipulated proposed referral contract","M02 — Percentage compensation after accepted enrollments","Stipulated invoice basis","M03 — Independent education receipts versus a provider kickback","Conditional independent-education branch","Adverse changed-facts branch","M04 — Account-administrator referral payments in both directions","Proposed administrator-to-provider payment","Retrieval and search limitations"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","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-07","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":[]},"scope":"Reviewed P01 remaining lead generation/referrals/compensation/activity gateway only","pending_corrections":0},"markdown":"# S_MN PASS-07 — Minnesota lead generation, referrals, compensation, and provider boundaries\n\n**Research/access date:** October 27, 2026, America/Los_Angeles.\n**Component:** Activity-based classification, referral compensation, marketing representations, and the necessary federal telemarketing overlay.\n\n**Disposition:** Minnesota expressly recognizes a lead-generator category, but that recognition is **not permission for a covered provider to purchase referrals**. The consequential cross-reference is **§332B.10(1), which incorporates §332A.14’s prohibitions into the settlement-provider regime**. The distinction between genuine advertising services and compensated referrals remains fact-dependent; no responsive controlling Minnesota interpretation resolving that boundary was located and read. [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332B.10)\n\nP01’s reviewed lead-generation row is preserved separately below. P02–P04 retain their dated scopes and holds. **P05 and P06 are not premises for this pass.**\n\nThroughout, **S001** means **S_MN-P07-S001**. **C001–C044** are this pass’s claim identifiers.\n\n# A. Substantive findings\n\n## A1. Four questions must be answered separately\n\nA proposed referral arrangement needs four distinct analyses:\n\n| Question | Why it matters |\n| --- | --- |\n| **What does the intermediary actually do?** | Solicitation or referral can be lead generation; advice, holding out, or delegated service performance can cross into provider activity. |\n| **Who pays whom, and for what?** | The statute separately addresses outgoing referral rewards, incoming third-party compensation, and fees received for arranging other credit or debtor services. |\n| **What does the consumer see or hear?** | A lead generator has its own disclosure and misleading-advertising obligations. |\n| **Is there a covered telephone campaign?** | Federal seller, telemarketer, substantial-assistance, and account-administrator rules have different predicates. |\n\nCompliance with one column does not establish compliance with the others. In particular, a truthful referral disclaimer does not authorize prohibited compensation, and a recipient’s registration does not authorize the intermediary’s own provider activity. [C004–C024, C030–C037.] [MN Revisor+3](https://www.revisor.mn.gov/statutes/cite/332B.02)\n\n## A2. Lead generation is distinct from providing the service—but not necessarily unregulated\n\nSection 332B.02(14) begins with the condition that the person acts **without providing debt-settlement services**. It then supplies three alternative routes: soliciting debtors to engage in settlement, acting as intermediary/referral agent, or obtaining and transmitting a debtor’s personally identifiable information to a provider. Payment is not an element of this definition. [C006.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.02)\n\nThe provider definition, by contrast, reaches offers and services to Minnesota-domiciled debtors, including delegated services, without requiring either a fee or a Minnesota office. The service definition includes certain advice, reduced-payment accumulation assistance, and delinquent-tax work; holding out also matters. [C004–C005.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.02)\n\n### Actor/activity/required-step matrix\n\nThese are textual classifications or conditional applications—not determinations about an actual business.\n\n| Actor/activity | Classification issue | Required step or consequence | Limit |\n| --- | --- | --- | --- |\n| **Passive legal or financial reporting** | Neutral reporting without solicitation, referral, data transmission, service offers, or holding out may fall outside the identified activities. | Examine the actual content and presentation. | No categorical publisher or educational exemption was found. Generalized content is not automatically outside a broadly worded advice provision. |\n| **Unpaid directory** | Recommendations, matching, routing, or invitations to use settlement services may meet the lead definition even without payment. | Apply lead-generator duties where the activity qualifies. | A neutral listing and an active referral service are not conclusively distinguished by an opened Minnesota interpretation. |\n| **General advertisement or sale of media space** | The advertisement may solicit settlement business. The publisher’s activity and the provider’s payment require separate analysis. | Assess the actual deliverable and solicitation. | A flat advertising invoice is not automatically a referral payment—or automatically exempt from that restriction. |\n| **Contact-information sale** | Obtaining and transmitting debtor PII fits an express lead-generation route when the remaining facts fit. | Apply solicitation/disclosure rules; separately examine the payer’s compensation restriction. | Privacy and data-sale compliance remain deferred. |\n| **Warm transfer** | Routing a debtor to the actual service provider can be referral activity; the operator may also be a federal telemarketer. | Classify the script, handoff and payment. | Calling it a transfer rather than a lead does not decide status. |\n| **Compensated recommendation** | It may be a referral regardless of the compensation formula. | Test both outgoing and incoming payment rules. | Registration of the recipient does not authorize the payment. |\n| **Clerical enrollment assistance** | Appointment setting or document transmission differs from selecting a plan, recommending strategy, or performing delegated provider duties. | Identify who makes substantive representations and performs each task. | No blanket clerical, subcontractor, or employee exemption was established. |\n| **Personalized settlement strategy** | Advice aimed at reduced payment, or assistance accumulating settlement funds, can be the service itself. | Provider prerequisites become relevant before covered offers/services. | Noncustody and “we only refer” wording do not negate actual service performance. |\n| **DMP receipt/distribution or holding out** | Chapter 332A separately defines full-repayment payment-management activity. | Apply that chapter’s provider boundary and prerequisites. | A DMP recipient is not interchangeable with a settlement recipient. |\n| **Provider operating through an agent** | Delegation is expressly included in the provider definitions. | Evaluate the principal and delegate’s actual conduct. | This report does not conclude that every individual employee necessarily requires a separate company registration. |\n\nAuthorities: S001–S002, S005–S006; C003–C011. [MN Revisor+3](https://www.revisor.mn.gov/statutes/cite/332B.02)\n\n### The remaining lead-only registration question\n\nSection 332B.03 contains broad language concerning offering, advertising, and causing agreements to be executed. Meanwhile, §§332B.02(14) and .11 separately identify lead generators who do not provide the service.\n\n**No separate lead-generator registration mechanism was established in the provisions read. That is not the same as establishing a universal exemption from §332B.03.** The clear result is that crossing into provider activity invokes the provider analysis. The precise treatment of an actor that remains entirely within the lead-only definition, especially when its advertising resembles its own service offer, remains a construction hold. [C008–C009.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332B.03)\n\n## A3. Payment direction changes the legal analysis\n\n### The incorporation that cannot be omitted\n\nSection 332B.10(1) prohibits a settlement provider from engaging in conduct prohibited by §332A.14. Thus, §332A.14 is not relevant only to DMP firms. Its incorporated restrictions must also be considered when a covered settlement provider buys or monetizes referrals. [C014.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.10)\n\n### Compensation matrix\n\n| Payment direction or arrangement | Responsive provision | Textual condition and consequence | Exception or unresolved boundary |\n| --- | --- | --- | --- |\n| **Covered provider → lead seller, affiliate, publisher, or referral agent** | §332A.14(11), incorporated by §332B.10(1) | Restricts offering, paying, or giving the specified material fee/reward/compensation for referring prospective customers. The offer itself matters; waiting until enrollment does not necessarily avoid it. | No general affiliate, registered-recipient, flat-price, or percentage-price exception was found. “Material” is not assigned an invented dollar threshold here. |\n| **DMP provider → employee/agent enrollment incentive** | §332A.14(11) | The provision separately addresses employee/agent inducement incentives. | Ordinary salary for genuine work must be distinguished from enrollment incentives. No general salary safe harbor was established. |\n| **Provider receives a fee for arranging credit or another specified debtor service** | §332A.14(8), with the settlement incorporation | Applies to the provider’s direct or indirect collection for the specified referral/arranging activity. | The exact statutory service and recipient categories must fit. It is not rewritten as a prohibition on every unaffiliated publisher receiving any payment. |\n| **Creditor, account company, vendor, or other third party → provider** | §332A.14(12), with incorporation | Restricts incoming compensation connected with the registrant’s activities unless from the debtor or a person acting on the debtor’s behalf. | The paragraph expressly excepts a bona fide nonprofit corporation organized under Chapter 317A or similar other-state law. |\n| **Person genuinely paying on the debtor’s behalf → provider** | §332A.14(12) | The payer-source restriction does not treat that person as an ordinary unrelated third party. | This does not authorize an otherwise unlawful fee. A creditor’s business payment is not automatically a debtor-behalf payment. |\n| **Consumer → intermediary for “matching,” “enrollment,” or mandatory counseling** | Activity definitions; §§332A.13(3), .14(5), (8), (16); 332B.09(4) | Determine whether the intermediary is actually providing regulated services or whether the charge is an impermissible added or tied charge. | Neither a third-party invoice nor a voluntary-donation label establishes a fee pathway. |\n| **Provider → genuine independent service vendor** | Actual service classification; §332A.14 | Payment for a real deliverable must be distinguished from payment for prospects or enrollment. | No categorical counseling-vendor or advertising-vendor exception was found. Outsourcing substantive services can itself invoke delegation. |\n| **Account administrator ↔ provider for referrals** | 16 CFR 310.4(a)(5)(ii)(D), where that account provision applies | The administrator must neither give nor accept referral compensation involving the debt-relief service. | This is an administrator-specific condition, not a universal federal ban on all lead compensation. State restrictions remain separate. |\n\nSources: S003, S007, S011–S012, S020; C014–C021, C036–C037. [MN Revisor+4](https://www.revisor.mn.gov/statutes/cite/332A.14)\n\n### Three important limits on those conclusions\n\n**First, the outgoing-payment clause addresses the provider as payer.** It should not be silently rewritten to say that every independent recipient commits the same statutory violation merely by receiving money. The recipient’s own activity, solicitation duties, provider status, and federal role must be analyzed separately.\n\n**Second, the nonprofit exception belongs to paragraph (12).** It does not erase paragraph (11)’s outgoing-referral restriction, establish an exemption from registration, or automatically resolve the separate exclusive-fee provisions. A bona fide nonprofit creditor-contribution arrangement therefore needs more than the statement “we are nonprofit.”\n\n**Third, related-party status is not a general exception.** Common ownership may add issues—particularly for the federal account condition—rather than remove them. [C015–C021, C036.] [MN Revisor+2](https://www.revisor.mn.gov/laws/2009/0/178/)\n\n## A4. Solicitation disclosures and misleading claims\n\n| Communication | Rule relevant to this pass | Timing/application |\n| --- | --- | --- |\n| Lead-generator solicitation | §332B.11(2)(a) requires its **specified complete verbatim disclosure**, prominently, across print, electronic and nonprint solicitations, including websites, radio and television. | At the solicitation—not merely after the transfer. |\n| Lead-generator guarantee or comparison | No service guarantee; no misleading comparison with counseling, DMPs or bankruptcy. | Advertising and solicitation to debtors. |\n| Provider or lead generator implies government representation | Prohibited by §332B.11(1); DMP advertising has a corresponding provision. | Evaluate the impression conveyed, not just literal disclaimers. |\n| Nonprofit claim where affiliated for-profit service delivery is involved | Specifically restricted. | Actual delivery and affiliation facts matter. |\n| Settlement advertisement implies secured debts may be settled | Expressly prohibited by §332B.11(1)(4). | No broader secured-debt analysis is supplied here. |\n| Provider claims no credit harm, improved credit, guaranteed outcome, or superior negotiation ability | Relevant §332B.10 prohibitions apply according to their wording. | These are not cured by a lead-only label when the actor is actually providing services. |\n| Provider offers legal advice or claims legal competence | The specific Minnesota authorization and truthfulness provisions apply. | Attorney ethics and full unauthorized-practice analysis remain deferred. |\n\nThe disclosure above is described, **not reproduced as substitute advertising copy**. The required wording is the complete statutory paragraph at S004, §332B.11(2)(a); a generic “affiliate disclosure” or “not a lender” statement is not the specified text. [C022–C024, C027.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332B.11)\n\nTruthfully stating a verified registration is different from claiming government approval, endorsement, or representation. This pass verified no company’s registration and authorizes no such claim.\n\nWhen conduct crosses into provider enrollment, the agreement and pre-service provisions also become relevant. Section 332B.06 requires specified suitability/alternative information and registration-status disclosures; Chapter 332A has its own prerequisite analysis and agreement provisions. Merely collecting a signature is not proof those steps occurred. [C028.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332B.06)\n\nLead-generator duties are enforceable provisions: §332B.13 expressly addresses lead-generator violations of §332B.11. This pass identifies that consequence without calculating remedies or conducting a litigation dossier. [C029.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.13)\n\n## A5. Nexus and exemption boundaries\n\n| Boundary | Established textual point | Remaining factual or interpretive hold |\n| --- | --- | --- |\n| **Remote seller targeting Minnesota** | The provider definitions expressly reach Minnesota-domiciled debtors without requiring an in-state office. | Exact domicile, actor and service facts; constitutional/choice-of-law issues not comprehensively researched. |\n| **Minnesota-directed lead solicitation** | Lead solicitation is not restricted to a particular medium, and the definition does not require compensation. | Exact territorial reach for nonresident prospects, incidental readership and conflicting state connections remains open. |\n| **Business-only negotiation** | §332B.02(10)(1) expressly uses a primarily personal/family/household purpose test. | Clauses (2) and (3) do not repeat that qualifier. A universal business-debt exclusion cannot be inferred for accumulation advice or tax services. |\n| **Mixed-purpose debt** | Classification depends on actual purpose and the applicable service limb. | No percentage allocation rule or decisive mixed-purpose precedent was located. |\n| **Noncustodial settlement advice** | Receipt of debtor money is not an element of every settlement-service limb. | Actual advice, representations and delegation must be examined. |\n| **Exempt recipient** | §332B.02(13) uses its own attorney definition and incorporates §332A.02(8), clauses **(2)–(12)**—not clause (1) wholesale. | The recipient’s exclusion does not automatically extend to its marketer. A referral may still involve an entity actually providing services under lead-definition clause (2). |\n| **Attorney relationship** | The separate attorney definition includes practice and business-relationship conditions. | A referral arrangement must be tested against those exact conditions; neither automatic exemption nor automatic disqualification is assumed. |\n| **Enrolled-agent or firm recipient** | The incorporated route has credential, firm, contract-review, responsibility and authorization conditions. | No actual person or firm was tested. The marketer does not inherit those attributes. |\n| **Ordinary employee exception** | §332A.02(8)(4) concerns regular-salary credit services for an employer **not engaged in debt management**. | It is not a general exemption for a debt-relief call center’s employees. Individual-registration consequences remain unresolved here. |\n| **Tribal, local, sovereign or sector-specific setting** | No general exception was established in this pass. | Governing territorial, sovereign and local authority remains separately required. |\n\nSources: S001, S005–S006; C005, C011–C013, C025–C027. [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332A.02)\n\n# B. Necessary federal overlay\n\n## B1. Roles and campaign predicates\n\nThe freshly read federal definitions distinguish:\n\n| Role | Relevant predicate |\n| --- | --- |\n| **Debt-relief service** | Represented alteration of terms of unsecured debt; labels are not controlling. |\n| **Seller** | Provides, offers, or arranges for others to provide the service for consideration in the telemarketing transaction. |\n| **Telemarketer** | Initiates or receives calls in connection with telemarketing. |\n| **Substantial assistant** | Supplies substantial support with the separately required knowledge or conscious avoidance. |\n| **Account administrator** | Must satisfy the account-specific conditions when the dedicated-account provision is used. |\n\nThe telemarketing definition requires the specified sales campaign and more than one interstate call. Purely online reporting with no covered telephone campaign is not automatically telemarketing, but an online lead supplier can still assist another actor’s covered campaign. [C030.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nInbound debt-relief calls responding to advertising or targeted mail/email are carved out of the ordinary response-call exemptions. Truly unsolicited calls, qualifying face-to-face transactions and upsells have different rules. The business-to-business exemption is not complete: current §310.6 preserves specified misrepresentation prohibitions. [C031.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6)\n\nThe debt-relief disclosures apply before enrollment under the rule’s accompanying footnote. Misrepresentations about affiliation, nonprofit status, savings, timing, credit effects or collection consequences are separately addressed. [C032.] [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3)\n\n## B2. Substantial assistance is not strict liability from selling a lead\n\nSection 310.3(b) requires:\n\n1. Substantial assistance or support;\n2. a seller or telemarketer engaged in a specified underlying violation; and\n3. knowledge **or conscious avoidance of knowing** that violation.\n\nA lead sale alone does not establish all three. Conversely, being an independent vendor, avoiding the consumer call, or declining to read known warning material does not necessarily defeat them. An actor directly making the prohibited pitch may also have direct duties; the assistance knowledge standard is not a universal shield for its own conduct. [C033.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3)\n\nThe Commission’s 2010 explanation specifically recognizes that lead generators may fall under primary TSR provisions or the assistance provision depending on the facts. FTC staff guidance identifies lead supply as a possible form of substantial assistance, not an automatic finding in every transaction. [S022, footnote 133; S024.] [Federal Register+1](https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule)\n\n### Published majority opinion actually read\n\n**FTC v. Chapman, 714 F.3d 1211 (10th Cir. 2013), filed May 7, 2013.** The published opinion affirmed a bench-trial judgment under §310.3(b). Its discussion at slip pages 8–15 treats integral fulfillment/support activity as potentially substantial even without direct participation in marketing. It also sustained conscious-avoidance findings based on the record’s warning signs and deliberate failure to examine marketing practices.\n\nThis was a grant-related telemarketing case, **not a Minnesota debt-referral classification decision**. It is out-of-circuit federal appellate authority for this Minnesota analysis. The opinion’s monetary-remedy discussion is not relied upon, and no complete subsequent-history/citator certification was performed. [C034.] [Tenth Circuit Court of Appeals+2](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf)\n\n## B3. Advance-fee and account conditions—limited use here\n\nA “matching,” “analysis,” or “access” charge does not escape §310.4(a)(5) merely through its name when it is actually consideration for a covered debt-relief service. The operative result, customer-agreement, payment and applicable allocation predicates must be considered. This pass does **not** recalculate settlement or DMP earning. [C035.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe dedicated-account provision requires an insured institution, consumer ownership and interest, administrator independence, no administrator referral compensation, and the specified withdrawal/return protection. Two separate failures are possible:\n\n- an affiliated administrator fails the independence condition;\n- even an independent administrator fails the referral-compensation condition if it gives or accepts the prohibited payment.\n\nRemoving the commission does not cure common ownership, and removing ownership does not cure the commission. These conditions are not federal permission to pay referrals otherwise restricted by Minnesota. [C036–C037.] [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n# C. Currentness, enactments, and interpretation strength\n\n| Authority layer | Fresh finding | Limit |\n| --- | --- | --- |\n| **Current Minnesota displays** | Relevant section pages remain labeled 2025. | Not a consolidated October 2026 certification. |\n| **2026 regular-session Table 2** | Relevant Chapter 332A/332B entries identify the previously reviewed accreditation/application changes, not a listed amendment to the referral clauses examined here. | Not an exhaustive later/special-session search. |\n| **2007 chapter 57, article 3, §§57–58** | Original referral-compensation and advertising provisions inspected; express effective date January 1, 2008. | Historical numbering differs from current numbering. |\n| **2009 chapter 37, article 4** | Enacted provider/lead definitions, incorporation, solicitation and lead-remedy provisions inspected. | The complete general effective-date chain for every selected 2009 provision was not reconstructed. |\n| **2009 chapter 178, article 1, §§63–65** | Relevant prohibition, delegation and registration amendments inspected. | Historical exemption wording is not substituted for the current definition. |\n| **Registration triggers** | Current §§332A.03 and 332B.03 expressly identify August 1, 2007 and August 1, 2009 respectively. | Those dates do not automatically supply every neighboring provision’s original effective date. |\n| **Federal current text** | eCFR displayed Title 16 current through October 23, 2026. | The title-level October 19 amendment metadata is not attributed to each specific provision. |\n| **2010 federal adoption** | Debt-relief amendments generally effective September 27, 2010; §310.4(a)(5) effective October 27, 2010. | Current text, not historical numbering or obsolete guidance, controls this analysis. |\n\n[C001–C002, C038.] [MN Revisor+5](https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026)\n\nNo responsive published Minnesota majority opinion or binding administrative final interpretation was located and opened that resolves the exact distinctions among ordinary advertising purchases, paid lead referrals, a neutral directory, and separate lead-only registration. No exception is inferred from that search result. [C039.]\n\n# D. Sixteen fictional postures\n\nThese are new hypotheticals, not actual eligibility or permission decisions.\n\n| Posture | Fictional facts | Result or hold |\n| --- | --- | --- |\n| **P01 — Educational article** | A site reports statutory rights, takes no contact information, offers no service and recommends no provider. | Lower activity-based risk on those facts, but no publisher exemption. Content that becomes settlement advice or holding out requires reassessment. |\n| **P02 — Unpaid directory** | A directory routes readers to selected settlement firms without payment. | No payment is needed for lead status. Exact neutral-listing/referral distinction remains fact-dependent. |\n| **P03 — Flat-fee lead sale** | Covered provider agrees to $30 per accepted debtor contact. | Provider-payment restriction applies on the stipulated referral facts; flat pricing does not resolve it. |\n| **P04 — Percentage enrollment commission** | Marketer receives a percentage after enrollment survives a cancellation window. | The delayed trigger does not eliminate referral/enrollment compensation. |\n| **P05 — Warm transfer** | Operator asks contact questions and transfers the caller, without giving a plan. | Potential lead generator and telemarketer; script, solicitation disclosure and payer rules remain separate. |\n| **P06 — Personalized plan** | Operator tells the debtor which creditors to stop paying and how much to accumulate for reduced settlements. | Provider-service and prohibited-conduct questions arise; “lead desk” is not dispositive. |\n| **P07 — Approval claim** | Ad says “Minnesota-approved government debt program,” based only on a recipient’s claimed registration. | Registration does not substantiate that impression. Actual status was not checked here. |\n| **P08 — Remote resident** | Out-of-state intermediary gives settlement advice to a Minnesota-domiciled debtor. | No physical-office defense is established by the provider definition. |\n| **P09 — Business-only invoice debt** | Adviser negotiates a company’s trade invoices without accumulation advice or tax services. | Consumer-purpose limb may not fit; all relevant service limbs still require checking. No universal business exemption declared. |\n| **P10 — Mixed debt** | One form includes household card debt and business expenses. | No automatic business-only exclusion. Purpose and service must be analyzed rather than decided by the form title. |\n| **P11 — Exempt-recipient claim** | Marketer refers to an enrolled-agent firm and advertises that everyone in the chain is exempt. | Recipient conditions and marketer conduct must be tested independently. |\n| **P12 — Employee bonus** | DMP provider pays $100 for every enrollment to a salaried employee. | Salary does not erase the separate incentive restriction. |\n| **P13 — Independent vendor** | Vendor is paid hourly to produce generic educational material, with no prospects or enrollment metrics. | Genuine services differ from referral compensation, but the actual deliverable and any service delegation must be verified. |\n| **P14 — Creditor contribution** | Creditor offers $1,000 to a provider for program participation. | Incoming-compensation rule applies; nonprofit paragraph exception is conditional and does not settle all fee restrictions. |\n| **P15 — Affiliated account administrator** | Commonly controlled account company also pays for customer introductions. | Independence and referral-compensation conditions present separate federal problems. |\n| **P16 — Knowing lead support** | Supplier receives specific evidence of unlawful advance-fee pitches, deliberately avoids the scripts, and continues integral lead delivery. | Facts can support §310.3(b); the conclusion still requires substantial assistance, underlying violation and the mental-state finding. |\n\nAuthorities and limitations are C004–C037. These applications use the rules already cited; they are not reported cases.\n\n# E. Four conditional compensation models\n\n## Common conventions\n\nAll dates and transactions below are fictional October 2026 events. Amounts are USD and calculate exactly to cents; no rounding is required.\n\nThese are **commercial compensation reconciliations**, not debtor custody or settlement-fee-earning ledgers. Contractual credits and refunds are stipulated facts, not findings that a particular legal remedy is required. A balanced invoice does not validate the arrangement.\n\n## M01 — Flat-price leads, rejection credits, and an advertising alternative\n\n### Stipulated proposed referral contract\n\n- October 1–20: **120** gross contacts delivered.\n- **30** rejected under the fictional duplicate/nonresponsive policy.\n- **90** accepted leads.\n- **18** later enrollments; enrollment count does not affect this invoice.\n- Price: **$30 per accepted lead**.\n- Provider prepaid **$3,000**.\n- Consumer payments to the intermediary: **$0**.\n\nPlain text\n```\nGross invoice:          120 × $30 = $3,600.00\nRejection credits:       30 × $30 =   $900.00\nNet invoice:                         $2,700.00\n\nCash received in advance:            $3,000.00\nContractual refund:                    $300.00\nNet retained by lead seller:         $2,700.00\n\nProvider net outflow = lead seller net receipt = $2,700.00.\nConsumers paid the intermediary $0.00.\n```\n\n**Adverse branch:** Assume the payer is a covered Minnesota provider and the consideration is material payment for referring prospective customers. The provider-payment restriction is not solved by the accurate $2,700 invoice, rejection policy, later enrollment rate, or recipient registration. [C040.]\n\n**Lawful-if candidate requiring changed facts:** A genuine fixed-price purchase of advertising space—not a renamed lead-delivery contract—could require a different classification. Necessary evidence would include the actual media deliverable, absence of referral-based consideration, actual solicitation conduct and an applicable interpretation. **No opened authority in this pass approves that alternative.**\n\nIf the fictional parties instead cancel the entire proposed purchase before any performance and refund the full $3,000, their net cash transfer is zero. That does not establish that any earlier prohibited offer or solicitation was lawful.\n\n## M02 — Percentage compensation after accepted enrollments\n\n### Stipulated invoice basis\n\nThis model uses a fictional **$2,000 marketing attribution value per accepted enrollment**. It is not a consumer fee, a debt balance, or a finding that the provider earned $2,000.\n\n- Gross inquiries: **100**.\n- Initial accepted enrollments: **24**.\n- Nonenrollments: **76**.\n- Later cancellations credited: **6**.\n- Retained enrollments for invoicing: **18**.\n- Commission: **10% of the attribution value**.\n- Initial invoice paid: **$4,800**.\n- Consumer-to-marketer receipts: **$0**.\n\nPlain text\n```\nInitial attribution base:       24 × $2,000 = $48,000.00\nInitial commission:             10% × $48,000 = $4,800.00\n\nCancellation attribution credit: 6 × $2,000 = $12,000.00\nCommission refund:              10% × $12,000 = $1,200.00\n\nFinal commission:\n18 × $2,000 × 10% = $3,600.00\n\nCash reconciliation:\n$4,800.00 received − $1,200.00 refunded = $3,600.00 retained.\n```\n\n**Adverse branch:** On stipulated covered-provider/referral facts, postponing payment until enrollment or a cancellation window does not create an exception. Percentage pricing is not safer merely because it differs from M01’s flat price. [C041.]\n\n**Exempt-recipient candidate:** A genuinely excluded recipient would require proof of every applicable exclusion element, plus separate classification of the marketer. That changed predicate cannot be established by a contract recital. Other applicable referral, professional and federal rules also remain. No recipient is found exempt here.\n\nThe $1,200 credit is only the fictional contract’s cancellation adjustment. It is not a statutory calculation of restitution for an unlawful compensation arrangement.\n\n## M03 — Independent education receipts versus a provider kickback\n\n### Conditional independent-education branch\n\nAssume a separately sold household-budgeting class:\n\n- No settlement solicitation, personalized reduced-payment strategy, accumulation advice, creditor negotiation, DMP receipt/distribution, provider matching, or PII transmission.\n- **40** purchases at **$40**.\n- **5** cancellations refunded in full.\n- Provider and creditor payments to the educator: **$0**.\n- Educator payments to providers: **$0**.\n\nPlain text\n```\nConsumer gross receipts:      40 × $40 = $1,600.00\nConsumer refunds:             5 × $40 =   $200.00\nNet consumer receipts:       35 × $40 = $1,400.00\n\nProvider receipts from educator:   $0.00\nProvider payments to educator:     $0.00\nCreditor contributions:            $0.00\n```\n\n**Lawful-if predicates:** The service must actually remain outside the regulated activities and not be a disguised required component of a provider’s program. This is only a conditional Chapter 332A/332B boundary analysis, not clearance under all education, consumer-protection or payment laws. [C042.]\n\n### Adverse changed-facts branch\n\nNow suppose the class is required for admission to a covered for-profit provider’s service, and the educator sends **$10 per retained purchaser** to that provider:\n\nPlain text\n```\nPayment to provider:            35 × $10 = $350.00\nEducator net after payment:     $1,400 − $350 = $1,050.00\nProvider receipt:                              $350.00\n\nCombined retained receipts:\n$1,050.00 + $350.00 = $1,400.00.\n```\n\nThat accounting does not answer the tied-purchase, incoming-compensation or disguised-service questions. Calling the $350 an “education partnership contribution” is not an exception. Any additional consumer refund or remedy remains undetermined; it is not silently equated with the five ordinary cancellation refunds.\n\n## M04 — Account-administrator referral payments in both directions\n\n### Proposed administrator-to-provider payment\n\n- **48** account introductions.\n- **6** rejected as duplicate/ineligible.\n- **42** accepted introductions.\n- Administrator pays **$12 per accepted introduction**.\n- It initially paid **$576**; the provider returns **$72**.\n\nPlain text\n```\nGross payment:             48 × $12 = $576.00\nRejection refund:           6 × $12 =  $72.00\nNet referral payment:      42 × $12 = $504.00\n\nAdministrator net outflow = provider net receipt = $504.00.\nConsumer receipts in this commercial ledger = $0.00.\n```\n\n**Adverse branch:** Where §310.4(a)(5)(ii) is the relied-on account arrangement, the administrator’s giving of referral compensation fails condition (D). If common control also exists, condition (C) fails separately. The provider’s incoming payment also needs the Minnesota analysis. [C043.]\n\n**Reverse direction:** If instead the provider pays the administrator $504 for referrals to the provider, the federal condition addresses the administrator’s **acceptance** as well as giving. Minnesota’s outgoing-referral rule must also be tested.\n\n**Lawful-if account alternative:** The administrator must actually be independent, give and accept no prohibited referral consideration, and satisfy all other account conditions. Zero commission alone is insufficient. Ordinary account-service charges are not approved or calculated here.\n\nRefunding the remaining $504 would produce zero net intercompany referral receipts. It would not erase the historical payment or cure affiliation.\n\n# F. Source register\n\n**Access convention:** Every entry marked **fresh** was accessed on **October 27, 2026** through public regular-Chat web tools. No individual fetch timestamp is asserted. Multiple provisions of one act or one opinion are not counted as independent authorities.\n\n| Source ID | Issuer and complete literal HTTPS URL | Actual read scope, version and limitations |\n| --- | --- | --- |\n| **S_MN-P07-S001** | Minnesota Revisor, §332B.02 — https://www.revisor.mn.gov/statutes/cite/332B.02 | Fresh definitions body; relied on subdivisions 3, 7–10, 13–16 and warning/history. Displayed 2025; 2026 accreditation warning retained. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.02) |\n| **S_MN-P07-S002** | Minnesota Revisor, §332B.03 — https://www.revisor.mn.gov/statutes/cite/332B.03 | Fresh complete registration/remote/advertising and 2009-transition paragraph. No checklist or entity lookup. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.03) |\n| **S_MN-P07-S003** | Minnesota Revisor, §332B.10 — https://www.revisor.mn.gov/statutes/cite/332B.10 | Fresh complete clauses (1)–(13); incorporation and marketing/legal-advice clauses materially relied upon. 2025 display. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.10) |\n| **S_MN-P07-S004** | Minnesota Revisor, §332B.11 — https://www.revisor.mn.gov/statutes/cite/332B.11 | Fresh complete subdivisions 1–2, including the exact required disclosure. 2025 display. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.11) |\n| **S_MN-P07-S005** | Minnesota Revisor, §332A.02 — https://www.revisor.mn.gov/statutes/cite/332A.02 | Fresh relevant definitions and complete subdivision 8 categories; subdivisions 10a–10c inspected for limited recipient boundaries. 2025 display with accreditation warning. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A.02) |\n| **S_MN-P07-S006** | Minnesota Revisor, §332A.03 — https://www.revisor.mn.gov/statutes/cite/332A.03 | Fresh operative paragraphs. §58A.04 cross-reference not analyzed in full; no exemption inferred from it. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A.03) |\n| **S_MN-P07-S007** | Minnesota Revisor, §332A.14 — https://www.revisor.mn.gov/statutes/cite/332A.14 | Fresh complete clauses (1)–(16); relied particularly on (5), (8), (10)–(12), (16). 2025 display. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A.14) |\n| **S_MN-P07-S008** | Minnesota Revisor, §332A.16 — https://www.revisor.mn.gov/statutes/cite/332A.16 | Fresh complete operative advertising body, also read in full-chapter HTML. 2025 display. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A/full) |\n| **S_MN-P07-S009** | Minnesota Revisor, §332B.06 — https://www.revisor.mn.gov/statutes/cite/332B.06 | Fresh targeted subdivisions 1–4; prerequisites and disclosure boundaries only. No full fee-performance or contract dossier. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.06) |\n| **S_MN-P07-S010** | Minnesota Revisor, §332A.10 — https://www.revisor.mn.gov/statutes/cite/332A.10 | Fresh targeted subdivisions 1–3; pre-service assessment, agreement and disclosure conditions. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A.10) |\n| **S_MN-P07-S011** | Minnesota Revisor, §332A.13 — https://www.revisor.mn.gov/statutes/cite/332A.13 | Fresh targeted subdivision 3, exclusive consumer-fee categories only. P06 ledger conclusions not reused. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332A.13) |\n| **S_MN-P07-S012** | Minnesota Revisor, §332B.09 — https://www.revisor.mn.gov/statutes/cite/332B.09 | Fresh targeted subdivision 4, exclusivity/extra-compensation boundary only. P05 earning conclusions not reused. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.09) |\n| **S_MN-P07-S013** | Minnesota Revisor, §332B.13 — https://www.revisor.mn.gov/statutes/cite/332B.13 | Fresh operative remedies body; relied narrowly on express lead-generator coverage in subdivisions 2–3. Full litigation/remedy calculation deferred. [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.13) |\n| **S_MN-P07-S014** | Minnesota Legislature/Revisor, Laws 2007, chapter 57 — https://www.revisor.mn.gov/laws/2007/0/57/ | Fresh article 3, §§57–58 and effective-date clauses. Historical numbering; January 1, 2008 effective date. Not entire act. [MN Revisor](https://www.revisor.mn.gov/laws/2007/0/57/) |\n| **S_MN-P07-S015** | Minnesota Legislature/Revisor, Laws 2009, chapter 37 — https://www.revisor.mn.gov/laws/2009/0/37/ | Fresh targeted article 4 provisions, including §§17–20, 27–28, 30. Enacted text, not engrossment. Full historical effective-date classification not completed. [MN Revisor](https://www.revisor.mn.gov/laws/2009/0/37/) |\n| **S_MN-P07-S016** | Minnesota Legislature/Revisor, Laws 2009, chapter 178 — https://www.revisor.mn.gov/laws/2009/0/178/ | Fresh article 1, §§63–65 and relevant date neighborhood. Historical exemption wording not treated as current. [MN Revisor](https://www.revisor.mn.gov/laws/2009/0/178/) |\n| **S_MN-P07-S017** | Minnesota Revisor, 2026 statutes-changed Table 2 — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026 | Fresh index entries around Chapters 332A–332B. Regular-session index only; no exhaustive consolidation claim. [MN Revisor](https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026) |\n| **S_MN-P07-S018** | OFR/eCFR, 16 CFR §310.2 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 | Fresh relevant definitions, including (n), (o), (y), (ee), (hh), (ii), and upselling. Display current through October 23, 2026; authoritative but unofficial eCFR presentation. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2) |\n| **S_MN-P07-S019** | OFR/eCFR, 16 CFR §310.3 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 | Fresh (a)(1)(viii), relevant footnote, (a)(2)(vii), (x), and complete (b). Broader deceptive-practice regime not comprehensively analyzed. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3) |\n| **S_MN-P07-S020** | OFR/eCFR, 16 CFR §310.4 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | Fresh complete (a)(5)(i)–(ii), including all account conditions. No calling-hours/DNC or consumer-earning ledger rerun. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_MN-P07-S021** | OFR/eCFR, 16 CFR §310.6 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6 | Fresh operative exemption body, especially (b)(3)–(7), exceptions and amendment metadata. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6) |\n| **S_MN-P07-S022** | FTC, final TSR amendments, 75 FR 48458 — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule | Fresh targeted Commission explanation: lead-generator discussion and footnote 133; account provisions; DATES. Historical adoption/interpretation, not a substitute for current text. HTML read. [Federal Register+1](https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule) |\n| **S_MN-P07-S023** | Tenth Circuit, *FTC v. Chapman*, No. 11-3319 — https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf | Published May 7, 2013; 17 pages. Opinion body read, particularly slip pp. 8–15; relevant pages visually inspected. Official PDF reached through the court’s published-opinion index. [Tenth Circuit Court of Appeals+2](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf) |\n| **S_MN-P07-S024** | FTC, debt-relief business guide — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business | Fresh targeted lead-generation/substantial-assistance discussion. Staff guidance, not binding adjudication. Historical recordkeeping or exemption summaries not substituted for current CFR. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business) |\n| **S_MN-P07-S025** | FTC, general TSR compliance guide — https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule | Fresh targeted assistance discussion, including casual/incidental support and conscious avoidance. Staff guidance; broader manual not adopted wholesale. [Federal Trade Commission](https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule) |\n\n### Retrieval and search limitations\n\nThe *Chapman* opinion was first read through a public republication:\n\nhttps://law.justia.com/cases/federal/appellate-courts/ca10/11-3319/11-3319-2013-05-07.html\n\nand its PDF:\n\nhttps://cases.justia.com/federal/appellate-courts/ca10/11-3319/11-3319-2013-05-07.pdf?ts=1411094806\n\nThe official court PDF was then obtained. These are **one opinion**, not separate corroborating decisions. Two initially opened court-index pages did not return the expected row; the successful published-opinion index was:\n\nhttps://www.ca10.uscourts.gov/opinion/search/results?order=field_opinion_origin_court&page=668&query=BROHL&sort=desc\n\nNo private docket was searched. [Tenth Circuit Court of Appeals](https://www.ca10.uscourts.gov/opinion/search/results?order=field_opinion_origin_court&page=668&query=BROHL&sort=desc)\n\nBounded Minnesota searches included exact combinations of §§332B.02(14), 332B.10, 332B.11 and 332A.14 with *lead generator*, *referral*, *compensation*, *opinion*, and official court, Commerce, rules and government domains. Search results included statutes, proposals, historical compilations and unrelated material. Proposed bills, complaints, consent settlements and search snippets were not adopted as controlling constructions.\n\nNo identified inaccessible Minnesota decision is claimed to contain an answer. The gap is that no responsive controlling body was located and read.\n\n# G. Atomic claim register\n\n**Confidence:** “Text—high” means directly supported within the source-version limits. “Conditional” requires actual facts or interpretation. “Held” identifies missing authority.\n\n| Claim | Actor, predicate, required step/trigger and effect | Authority | Confidence and limits |\n| --- | --- | --- | --- |\n| **C001** | Current Minnesota displays remain 2025; the targeted 2026 index check is limited. | S001–S008, S017 | High as version finding; later-law completeness held. |\n| **C002** | Original A.14/A.16 enactments specify January 1, 2008; selected 2009 historical dates are not fully reconstructed. | S014–S016 | High for inspected clauses; no guessed date. |\n| **C003** | Soliciting business by any medium is advertising under the relevant definitions. | S001 subd.3; S005 subd.2a | Text—high. |\n| **C004** | Advice, accumulation assistance and holding out can constitute settlement services without custody or payment. | S001 subd.10 | Text—high; actual content matters. |\n| **C005** | Provider coverage reaches Minnesota-domiciled debtors, remote actors and delegates. | S001 subd.13; S005 subd.8 | Text—high. |\n| **C006** | Lead status requires absence of settlement services and one of the three specified activities; compensation is unnecessary. | S001 subd.14 | Text—high. |\n| **C007** | No categorical publisher/directory/affiliate exemption was established. | S001, S004; search record | Conditional boundary, not proof every publisher is covered. |\n| **C008** | Covered provider offering/advertising/services require prior registration or actual legal authorization. | S002; S006 | Text—high; actual exemption/status not determined. |\n| **C009** | Lead-only registration treatment is not conclusively resolved by identifying a separate lead definition. | S001–S002, S004 | Held harmonization issue. |\n| **C010** | Full-repayment receipt/distribution and holding out invoke the DMP definition. | S005 subd.9 | Text—high; no custody ledger analysis. |\n| **C011** | Delegation matters; the regular-salary exception is limited and not a general debt-relief employee exemption. | S005 subd.8(4); S001 subd.13 | Text high; individual employee registration held. |\n| **C012** | Chapter B imports only A.02(8)(2)–(12), plus its separate stated exclusions. | S001 subd.13; S005 | Text—high; no upstream marketer exemption. |\n| **C013** | Attorney and enrolled-agent routes require their actual statutory conditions. | S001 subd.13a; S005 subds.10b–10c | Text—high; no actual qualification. |\n| **C014** | Settlement providers are subject to incorporated A.14 prohibitions. | S003 clause1 | Text—high. |\n| **C015** | Covered provider’s material referral offer/payment is restricted independently of the price formula. | S007 clause11; S003 clause1 | Text high; materiality threshold not invented. |\n| **C016** | DMP employee/agent enrollment incentives are separately addressed. | S007 clause11 | Text—high; ordinary labor boundary fact-dependent. |\n| **C017** | Provider collection for arranging specified credit/debtor services faces a separate prohibition. | S007 clause8; S003 clause1 | Text—high; preserve exact recipient/service categories. |\n| **C018** | Incoming provider compensation from nondebtor sources is restricted subject to stated payer/recipient exceptions. | S007 clause12 | Text—high. |\n| **C019** | Bona fide nonprofit exception is paragraph-specific, not general referral permission. | S007 clauses11–12; S011–S012 | High textual limitation; broader interaction held. |\n| **C020** | Added consumer charges, tied purchases and purported donations are not authorized merely by intermediary invoicing. | S007 clauses5,16; S011 subd.3; S012 subd.4 | Conditional application. |\n| **C021** | Genuine vendor work requires functional classification; no blanket counseling/vendor exception was located. | S001, S005, S007 | Held boundary where facts/authority insufficient. |\n| **C022** | Lead solicitations require the complete prominent statutory verbatim disclosure. | S004 subd.2(a) | Text—high; at solicitation. |\n| **C023** | Guarantees, misleading comparisons and specified provider claims are restricted. | S004 subd.2(b); S003 clauses2–4,7,9–12 | Text—high. |\n| **C024** | Government-impression and affiliated-for-profit/nonprofit claims have specific restrictions. | S004 subd.1; S008 | Text—high; actual impression/delivery facts needed. |\n| **C025** | No in-state office is required for the express provider nexus. | S001 subd.13; S005 subd.8 | Text—high; broader territorial issues held. |\n| **C026** | Consumer-purpose wording in one service limb does not establish a universal business-only exclusion. | S001 subd.10; S005 subd.9 | Text plus inference; mixed-purpose construction held. |\n| **C027** | Tax, legal-service and credit-improvement representations require their own boundary tests. | S001 subds.10,13a; S003 clauses7,11–12 | Narrow finding; sector regimes deferred. |\n| **C028** | Crossing into provider enrollment triggers relevant analysis, agreement and disclosure prerequisites. | S009 subds.1–4; S010 subds.1–3 | Text—high; not a full contract approval. |\n| **C029** | Lead violations of §B.11 have express statutory enforcement consequences. | S013 subds.2–3 | Text—high; remedies not calculated. |\n| **C030** | Federal roles and telemarketing predicates must be separately satisfied. | S018 relevant definitions | Text—high; no universal online coverage. |\n| **C031** | Inbound, unsolicited, face-to-face, upsell and B2B provisions have distinct conditions. | S021(b)(3)–(7) | Text—high. |\n| **C032** | Covered sellers/telemarketers face debt-relief disclosure and misrepresentation rules. | S019(a)(1)(viii), footnote1, (a)(2)(vii),(x) | Text—high; before enrollment for relevant disclosures. |\n| **C033** | Assistance liability requires substantial support and knowledge or conscious avoidance of a specified violation. | S019(b) | Text—high; not strict liability from lead sale. |\n| **C034** | *Chapman* supports integral-support/conscious-avoidance analysis on its record. | S023 slip pp.8–15 | Published out-of-circuit authority; no Minnesota classification holding. |\n| **C035** | A relabeled charge can remain consideration for debt relief and require the federal advance-fee predicates. | S020(a)(5)(i) | Conditional; no fee earning recalculated. |\n| **C036** | Account independence and administrator no-referral-compensation conditions are separate. | S020(a)(5)(ii)(A)–(E) | Text—high; actual account facts absent. |\n| **C037** | Administrator-specific federal condition is not a universal lead ban or permission overriding state restrictions. | S020; S003/S007 | Combined textual conclusion. |\n| **C038** | eCFR and 2010 adoption dates have the stated limited currentness/effect meanings. | S018–S022 | High; title metadata not section amendment date. |\n| **C039** | No responsive controlling Minnesota classification/referral interpretation was located and read. | Bounded search record | Search finding, not nonexistence. |\n| **C040** | M01 reconciles $2,700 but does not authorize the covered-provider referral purchase. | M01; C015 | Fictional arithmetic and conditional application. |\n| **C041** | M02 reconciles $3,600; enrollment timing and percentage pricing do not establish permission. | M02; C015 | Same. |\n| **C042** | M03 distinguishes independent education from changed tied-payment/kickback facts. | M03; C004,C020–C021 | Conditional boundary, not general business clearance. |\n| **C043** | M04 reconciles $504 while independently testing both account conditions and payment directions. | M04; C018,C036–C037 | Fictional commercial ledger only. |\n| **C044** | No actual provider authorization, marketing approval or broader-state completion is established. | Scope and evidence limits | Express limitation. |\n\n# H. Granular coverage and exact next evidence\n\n| Component | Status | Claims/postures/models | Missing evidence or next action |\n| --- | --- | --- | --- |\n| Complete lead definition | **Answered textually** | C006 | Actual workflow facts for application. |\n| Settlement-service/holding-out boundary | **Answered textually; application conditional** | C004–C005 | Actual content, scripts and promises. |\n| Passive educational resource | **Partial** | P01, C007 | Responsive interpretation of generalized advice/reporting boundary. |\n| Unpaid directory | **Partial** | P02 | Actual matching/routing/solicitation facts; no publisher safe harbor established. |\n| General advertising versus referral purchase | **Unresolved boundary** | M01, C021 | Binding interpretation or sufficiently specific authority concerning the actual media deliverable. |\n| Flat-fee lead purchase | **Answered on stipulated covered-provider facts** | P03, M01 | Actual actor/materiality facts remain. |\n| Percentage enrollment compensation | **Answered on stipulated facts** | P04, M02 | Same; no percentage safe harbor. |\n| Warm transfer | **Answered conditionally** | P05 | Script, call role and campaign facts. |\n| Clerical enrollment assistance | **Partial** | C011,C028 | Actual duties and delegation/control evidence. |\n| Personalized negotiation/accumulation service | **Answered textually** | P06 | Actual representations and applicable provider authorization. |\n| Misleading government/approval claims | **Answered** | P07, C024 | No company status checked. |\n| Remote Minnesota-domiciled debtor | **Answered textually** | P08, C025 | Actual domicile and service facts. |\n| Nonresident/incidental readership nexus | **Unresolved** | C025 | Territorial/choice-of-law authority. |\n| Business-only activity | **Partial** | P09, C026 | Each service limb and actual purpose. |\n| Mixed-purpose debts | **Unresolved application** | P10 | Purpose evidence and responsive interpretation. |\n| Noncustodial provider service | **Answered textually** | C004 | No custody prerequisite in every limb. |\n| Exempt-recipient versus marketer | **Answered boundary; actual qualification held** | P11, C012–C013 | Recipient conditions and marketer’s independent conduct. |\n| Employees and subcontractors | **Partial** | P12, C011,C016 | Entity/agency facts; individual-registration construction. |\n| Provider-to-marketer payment | **Answered textually** | C014–C016 | Materiality and actual consideration. |\n| Provider receives referral fee for other services | **Answered textually** | C017 | Exact referred service/recipient. |\n| Third party/creditor pays provider | **Answered with exception limits** | P14, C018–C019 | Payer purpose, nonprofit qualification, other fee restrictions. |\n| Person pays on debtor’s behalf | **Answered boundary** | C018 | Actual agency/purpose and lawful underlying fee. |\n| Consumer pays intermediary | **Partial** | C020, M03 | Actual service and whether charge is tied/disguised. |\n| Genuine counseling/vendor services | **Partial** | P13, M03 | Actual deliverable; no blanket exception. |\n| Required lead disclosure | **Answered** | C022 | Actual solicitation copy not reviewed. |\n| Comparative, guarantee, nonprofit and secured-debt claims | **Answered textually** | C023–C024 | Actual claims and context. |\n| Provider agreement/disclosure boundary | **Answered narrowly** | C028 | Actual agreement and analysis records. |\n| Lead enforcement hook | **Answered narrowly** | C029 | Full remedies/litigation deferred. |\n| Federal seller/telemarketer/assistant roles | **Answered conditionally** | C030 | Actual campaign, actor and jurisdictional facts. |\n| Inbound calls and upsells | **Answered textually** | C031 | Actual solicitation source and transaction sequence. |\n| Pure online activity | **Partial** | C030,C033 | Connection, if any, to covered calls. |\n| Federal misrepresentations/disclosures | **Answered narrowly** | C032 | Actual representations. |\n| Knowledge-based substantial assistance | **Answered textually and with published precedent** | P16, C033–C034 | Actual underlying violation, support and mental-state evidence. |\n| Advance-fee relabeling | **Answered boundary** | C035 | Fee-performance remains separate. |\n| Administrator affiliation | **Answered conditionally** | P15, M04 | Actual ownership/control/affiliation. |\n| Administrator payments in both directions | **Answered textually** | M04, C036 | Actual referral consideration. |\n| M01 gross/accepted/credit/refund reconciliation | **Completed** | C040 | Legal advertising alternative remains held. |\n| M02 enrollment/percentage/refund reconciliation | **Completed** | C041 | No fee entitlement inferred. |\n| M03 consumer/provider receipts | **Completed conditionally** | C042 | Independent-education assumptions are essential. |\n| M04 administrator/provider receipts | **Completed conditionally** | C043 | No consumer account ledger analyzed. |\n| 2007 enactment/effective date | **Answered** | C002 | None for selected express clauses. |\n| Selected 2009 enactments | **Read; date chain partial** | S015–S016 | Complete general/specific effective-date reconciliation for historical application. |\n| 2026 targeted changes | **Answered as index check** | C001 | Complete later/special-session consolidation remains open. |\n| Responsive Minnesota rules/adoption orders | **Not located in bounded search** | C039 | Further official rule/status/final-order research on exact boundary. |\n| Minnesota controlling classification precedent | **Not located and read** | C039 | Responsive published majority opinion or binding final interpretation. |\n| *Chapman* precedent and limits | **Answered** | C034 | Comprehensive subsequent-history review not performed. |\n| P01 crosswalk | **Preserved below** | C044 | No retroactive acceptance upgrade. |\n| P05 settlement earning | **Excluded; unreviewed answer not used** | C044 | Separate review. |\n| P06 DMP fee/custody ledger | **Excluded; unreviewed answer not used** | C044 | Separate review. |\n| Registration checklist, provider status, 2026 transition | **Deferred/preserved** | C044 | P02–P04 holds unchanged. |\n| TCPA, calling hours and DNC | **Individually deferred** | C044 | Separate operative-law review. |\n| Privacy, data sale and transmission | **Individually deferred** | C044 | Actual data flow and governing law; no transmission authorized. |\n| General FTC Act/CROA/credit repair | **Individually deferred** | C027,C044 | Actual representations and separate statutes/rules. |\n| Attorney ethics and full tax/nonprofit dossiers | **Deferred** | C013,C027 | Actual professional/entity conditions and governing rules. |\n| Full funds, bonds, fees and contracts | **Deferred** | C044 | Separate components. |\n| Collection/litigation/limitations/wage/property | **Deferred** | C044 | Separate parent-state work. |\n| Local/territorial/tribal/sovereign issues | **Unresolved/deferred** | C025,C044 | Specific location, sovereignty and choice-of-law facts and authority. |\n\n# I. Original P01 row—preserved crosswalk\n\nThe original row is retained without rewriting its historical status:\n\n| Original component | Original status | Original claims | Original remaining action |\n| --- | --- | --- | --- |\n| Lead generation and referrals | Partial | C001–C003 | Analyze §332B.02(14), §332B.11, referral compensation and licensing boundaries |\n\n**PASS-07 effect:** The definition, solicitation obligations, incorporated compensation restrictions and necessary federal distinctions now have fresh supporting bodies and this pass’s separate claims. Pure lead-only registration harmonization, neutral-directory/publisher boundaries, genuine advertising versus referral compensation, and specific exempt-recipient applications remain held. This is not a duplicate accepted row or a retroactive change to P01.\n\n# J. Researcher self-check and final disposition\n\n**Actually read:** The responsive statutory definitions, complete referral/marketing prohibition clauses, true incorporation, narrow agreement and fee-exclusivity cross-references, material historical enactment passages, targeted 2026 index entries, current operative federal definitions and relevant rules, the Commission’s lead-generator explanation, and the published *Chapman* opinion. Relevant opinion pages were visually inspected.\n\n**Not represented as established:** A Minnesota publisher exemption, a universal affiliate exception, a separate lead-only registration exemption, a permitted per-lead price, a nonprofit-wide payment exception, a current entity authorization, or a controlling Minnesota construction resolving ordinary media purchases versus referrals. The statutory bodies do not become less restrictive because an invoice balances.\n\nThe search did not locate and open a responsive binding Minnesota interpretation for the remaining boundaries. It did locate a published federal assistance decision, but that decision does not answer Minnesota’s classification questions. Proposals, allegations, search snippets and unrelated agency settlements were not substituted for governing law.\n\n**Bottom line:** On the modeled covered-provider facts, both flat lead purchases and percentage enrollment compensation encounter the Minnesota referral-payment restriction. Unpaid referrals can still carry lead-generator duties. More substantive assistance can make the intermediary a provider. Federal substantial-assistance liability requires its actual mental-state and support predicates, while account administrators face a separate no-referral-compensation condition.\n\nNo actual business, compensation arrangement, solicitation, account, exemption, component, state, parent, A066, A097 or A098 completion is approved or implied.\n\n**END S_MN PASS-07**\n\n","tables":[{"headers":["Question","Why it matters"],"index":0,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Question","Why it matters"],["What does the intermediary actually do?","Solicitation or referral can be lead generation; advice, holding out, or delegated service performance can cross into provider activity."],["Who pays whom, and for what?","The statute separately addresses outgoing referral rewards, incoming third-party compensation, and fees received for arranging other credit or debtor services."],["What does the consumer see or hear?","A lead generator has its own disclosure and misleading-advertising obligations."],["Is there a covered telephone campaign?","Federal seller, telemarketer, substantial-assistance, and account-administrator rules have different predicates."]]},{"headers":["Actor/activity","Classification issue","Required step or consequence","Limit"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor/activity","Classification issue","Required step or consequence","Limit"],["Passive legal or financial reporting","Neutral reporting without solicitation, referral, data transmission, service offers, or holding out may fall outside the identified activities.","Examine the actual content and presentation.","No categorical publisher or educational exemption was found. Generalized content is not automatically outside a broadly worded advice provision."],["Unpaid directory","Recommendations, matching, routing, or invitations to use settlement services may meet the lead definition even without payment.","Apply lead-generator duties where the activity qualifies.","A neutral listing and an active referral service are not conclusively distinguished by an opened Minnesota interpretation."],["General advertisement or sale of media space","The advertisement may solicit settlement business. The publisher’s activity and the provider’s payment require separate analysis.","Assess the actual deliverable and solicitation.","A flat advertising invoice is not automatically a referral payment—or automatically exempt from that restriction."],["Contact-information sale","Obtaining and transmitting debtor PII fits an express lead-generation route when the remaining facts fit.","Apply solicitation/disclosure rules; separately examine the payer’s compensation restriction.","Privacy and data-sale compliance remain deferred."],["Warm transfer","Routing a debtor to the actual service provider can be referral activity; the operator may also be a federal telemarketer.","Classify the script, handoff and payment.","Calling it a transfer rather than a lead does not decide status."],["Compensated recommendation","It may be a referral regardless of the compensation formula.","Test both outgoing and incoming payment rules.","Registration of the recipient does not authorize the payment."],["Clerical enrollment assistance","Appointment setting or document transmission differs from selecting a plan, recommending strategy, or performing delegated provider duties.","Identify who makes substantive representations and performs each task.","No blanket clerical, subcontractor, or employee exemption was established."],["Personalized settlement strategy","Advice aimed at reduced payment, or assistance accumulating settlement funds, can be the service itself.","Provider prerequisites become relevant before covered offers/services.","Noncustody and “we only refer” wording do not negate actual service performance."],["DMP receipt/distribution or holding out","Chapter 332A separately defines full-repayment payment-management activity.","Apply that chapter’s provider boundary and prerequisites.","A DMP recipient is not interchangeable with a settlement recipient."],["Provider operating through an agent","Delegation is expressly included in the provider definitions.","Evaluate the principal and delegate’s actual conduct.","This report does not conclude that every individual employee necessarily requires a separate company registration."]]},{"headers":["Payment direction or arrangement","Responsive provision","Textual condition and consequence","Exception or unresolved boundary"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Payment direction or arrangement","Responsive provision","Textual condition and consequence","Exception or unresolved boundary"],["Covered provider → lead seller, affiliate, publisher, or referral agent","§332A.14(11), incorporated by §332B.10(1)","Restricts offering, paying, or giving the specified material fee/reward/compensation for referring prospective customers. The offer itself matters; waiting until enrollment does not necessarily avoid it.","No general affiliate, registered-recipient, flat-price, or percentage-price exception was found. “Material” is not assigned an invented dollar threshold here."],["DMP provider → employee/agent enrollment incentive","§332A.14(11)","The provision separately addresses employee/agent inducement incentives.","Ordinary salary for genuine work must be distinguished from enrollment incentives. No general salary safe harbor was established."],["Provider receives a fee for arranging credit or another specified debtor service","§332A.14(8), with the settlement incorporation","Applies to the provider’s direct or indirect collection for the specified referral/arranging activity.","The exact statutory service and recipient categories must fit. It is not rewritten as a prohibition on every unaffiliated publisher receiving any payment."],["Creditor, account company, vendor, or other third party → provider","§332A.14(12), with incorporation","Restricts incoming compensation connected with the registrant’s activities unless from the debtor or a person acting on the debtor’s behalf.","The paragraph expressly excepts a bona fide nonprofit corporation organized under Chapter 317A or similar other-state law."],["Person genuinely paying on the debtor’s behalf → provider","§332A.14(12)","The payer-source restriction does not treat that person as an ordinary unrelated third party.","This does not authorize an otherwise unlawful fee. A creditor’s business payment is not automatically a debtor-behalf payment."],["Consumer → intermediary for “matching,” “enrollment,” or mandatory counseling","Activity definitions; §§332A.13(3), .14(5), (8), (16); 332B.09(4)","Determine whether the intermediary is actually providing regulated services or whether the charge is an impermissible added or tied charge.","Neither a third-party invoice nor a voluntary-donation label establishes a fee pathway."],["Provider → genuine independent service vendor","Actual service classification; §332A.14","Payment for a real deliverable must be distinguished from payment for prospects or enrollment.","No categorical counseling-vendor or advertising-vendor exception was found. Outsourcing substantive services can itself invoke delegation."],["Account administrator ↔ provider for referrals","16 CFR 310.4(a)(5)(ii)(D), where that account provision applies","The administrator must neither give nor accept referral compensation involving the debt-relief service.","This is an administrator-specific condition, not a universal federal ban on all lead compensation. State restrictions remain separate."]]},{"headers":["Communication","Rule relevant to this pass","Timing/application"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Communication","Rule relevant to this pass","Timing/application"],["Lead-generator solicitation","§332B.11(2)(a) requires its specified complete verbatim disclosure, prominently, across print, electronic and nonprint solicitations, including websites, radio and television.","At the solicitation—not merely after the transfer."],["Lead-generator guarantee or comparison","No service guarantee; no misleading comparison with counseling, DMPs or bankruptcy.","Advertising and solicitation to debtors."],["Provider or lead generator implies government representation","Prohibited by §332B.11(1); DMP advertising has a corresponding provision.","Evaluate the impression conveyed, not just literal disclaimers."],["Nonprofit claim where affiliated for-profit service delivery is involved","Specifically restricted.","Actual delivery and affiliation facts matter."],["Settlement advertisement implies secured debts may be settled","Expressly prohibited by §332B.11(1)(4).","No broader secured-debt analysis is supplied here."],["Provider claims no credit harm, improved credit, guaranteed outcome, or superior negotiation ability","Relevant §332B.10 prohibitions apply according to their wording.","These are not cured by a lead-only label when the actor is actually providing services."],["Provider offers legal advice or claims legal competence","The specific Minnesota authorization and truthfulness provisions apply.","Attorney ethics and full unauthorized-practice analysis remain deferred."]]},{"headers":["Boundary","Established textual point","Remaining factual or interpretive hold"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Boundary","Established textual point","Remaining factual or interpretive hold"],["Remote seller targeting Minnesota","The provider definitions expressly reach Minnesota-domiciled debtors without requiring an in-state office.","Exact domicile, actor and service facts; constitutional/choice-of-law issues not comprehensively researched."],["Minnesota-directed lead solicitation","Lead solicitation is not restricted to a particular medium, and the definition does not require compensation.","Exact territorial reach for nonresident prospects, incidental readership and conflicting state connections remains open."],["Business-only negotiation","§332B.02(10)(1) expressly uses a primarily personal/family/household purpose test.","Clauses (2) and (3) do not repeat that qualifier. A universal business-debt exclusion cannot be inferred for accumulation advice or tax services."],["Mixed-purpose debt","Classification depends on actual purpose and the applicable service limb.","No percentage allocation rule or decisive mixed-purpose precedent was located."],["Noncustodial settlement advice","Receipt of debtor money is not an element of every settlement-service limb.","Actual advice, representations and delegation must be examined."],["Exempt recipient","§332B.02(13) uses its own attorney definition and incorporates §332A.02(8), clauses (2)–(12)—not clause (1) wholesale.","The recipient’s exclusion does not automatically extend to its marketer. A referral may still involve an entity actually providing services under lead-definition clause (2)."],["Attorney relationship","The separate attorney definition includes practice and business-relationship conditions.","A referral arrangement must be tested against those exact conditions; neither automatic exemption nor automatic disqualification is assumed."],["Enrolled-agent or firm recipient","The incorporated route has credential, firm, contract-review, responsibility and authorization conditions.","No actual person or firm was tested. The marketer does not inherit those attributes."],["Ordinary employee exception","§332A.02(8)(4) concerns regular-salary credit services for an employer not engaged in debt management.","It is not a general exemption for a debt-relief call center’s employees. Individual-registration consequences remain unresolved here."],["Tribal, local, sovereign or sector-specific setting","No general exception was established in this pass.","Governing territorial, sovereign and local authority remains separately required."]]},{"headers":["Role","Relevant predicate"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Role","Relevant predicate"],["Debt-relief service","Represented alteration of terms of unsecured debt; labels are not controlling."],["Seller","Provides, offers, or arranges for others to provide the service for consideration in the telemarketing transaction."],["Telemarketer","Initiates or receives calls in connection with telemarketing."],["Substantial assistant","Supplies substantial support with the separately required knowledge or conscious avoidance."],["Account administrator","Must satisfy the account-specific conditions when the dedicated-account provision is used."]]},{"headers":["Authority layer","Fresh finding","Limit"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Authority layer","Fresh finding","Limit"],["Current Minnesota displays","Relevant section pages remain labeled 2025.","Not a consolidated October 2026 certification."],["2026 regular-session Table 2","Relevant Chapter 332A/332B entries identify the previously reviewed accreditation/application changes, not a listed amendment to the referral clauses examined here.","Not an exhaustive later/special-session search."],["2007 chapter 57, article 3, §§57–58","Original referral-compensation and advertising provisions inspected; express effective date January 1, 2008.","Historical numbering differs from current numbering."],["2009 chapter 37, article 4","Enacted provider/lead definitions, incorporation, solicitation and lead-remedy provisions inspected.","The complete general effective-date chain for every selected 2009 provision was not reconstructed."],["2009 chapter 178, article 1, §§63–65","Relevant prohibition, delegation and registration amendments inspected.","Historical exemption wording is not substituted for the current definition."],["Registration triggers","Current §§332A.03 and 332B.03 expressly identify August 1, 2007 and August 1, 2009 respectively.","Those dates do not automatically supply every neighboring provision’s original effective date."],["Federal current text","eCFR displayed Title 16 current through October 23, 2026.","The title-level October 19 amendment metadata is not attributed to each specific provision."],["2010 federal adoption","Debt-relief amendments generally effective September 27, 2010; §310.4(a)(5) effective October 27, 2010.","Current text, not historical numbering or obsolete guidance, controls this analysis."]]},{"headers":["Posture","Fictional facts","Result or hold"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Fictional facts","Result or hold"],["P01 — Educational article","A site reports statutory rights, takes no contact information, offers no service and recommends no provider.","Lower activity-based risk on those facts, but no publisher exemption. Content that becomes settlement advice or holding out requires reassessment."],["P02 — Unpaid directory","A directory routes readers to selected settlement firms without payment.","No payment is needed for lead status. Exact neutral-listing/referral distinction remains fact-dependent."],["P03 — Flat-fee lead sale","Covered provider agrees to $30 per accepted debtor contact.","Provider-payment restriction applies on the stipulated referral facts; flat pricing does not resolve it."],["P04 — Percentage enrollment commission","Marketer receives a percentage after enrollment survives a cancellation window.","The delayed trigger does not eliminate referral/enrollment compensation."],["P05 — Warm transfer","Operator asks contact questions and transfers the caller, without giving a plan.","Potential lead generator and telemarketer; script, solicitation disclosure and payer rules remain separate."],["P06 — Personalized plan","Operator tells the debtor which creditors to stop paying and how much to accumulate for reduced settlements.","Provider-service and prohibited-conduct questions arise; “lead desk” is not dispositive."],["P07 — Approval claim","Ad says “Minnesota-approved government debt program,” based only on a recipient’s claimed registration.","Registration does not substantiate that impression. Actual status was not checked here."],["P08 — Remote resident","Out-of-state intermediary gives settlement advice to a Minnesota-domiciled debtor.","No physical-office defense is established by the provider definition."],["P09 — Business-only invoice debt","Adviser negotiates a company’s trade invoices without accumulation advice or tax services.","Consumer-purpose limb may not fit; all relevant service limbs still require checking. No universal business exemption declared."],["P10 — Mixed debt","One form includes household card debt and business expenses.","No automatic business-only exclusion. Purpose and service must be analyzed rather than decided by the form title."],["P11 — Exempt-recipient claim","Marketer refers to an enrolled-agent firm and advertises that everyone in the chain is exempt.","Recipient conditions and marketer conduct must be tested independently."],["P12 — Employee bonus","DMP provider pays $100 for every enrollment to a salaried employee.","Salary does not erase the separate incentive restriction."],["P13 — Independent vendor","Vendor is paid hourly to produce generic educational material, with no prospects or enrollment metrics.","Genuine services differ from referral compensation, but the actual deliverable and any service delegation must be verified."],["P14 — Creditor contribution","Creditor offers $1,000 to a provider for program participation.","Incoming-compensation rule applies; nonprofit paragraph exception is conditional and does not settle all fee restrictions."],["P15 — Affiliated account administrator","Commonly controlled account company also pays for customer introductions.","Independence and referral-compensation conditions present separate federal problems."],["P16 — Knowing lead support","Supplier receives specific evidence of unlawful advance-fee pitches, deliberately avoids the scripts, and continues integral lead delivery.","Facts can support §310.3(b); the conclusion still requires substantial assistance, underlying violation and the mental-state finding."]]},{"headers":["Source ID","Issuer and complete literal HTTPS URL","Actual read scope, version and limitations"],"index":8,"links":[{"href":"https://www.revisor.mn.gov/statutes/cite/332B.02","text":"MN Revisor"},{"href":"https://www.revisor.mn.gov/statutes/cite/332B.03","text":"MN Revisor"},{"href":"https://www.revisor.mn.gov/statutes/cite/332B.10","text":"MN Revisor"},{"href":"https://www.revisor.mn.gov/statutes/cite/332B.11","text":"MN Revisor"},{"href":"https://www.revisor.mn.gov/statutes/cite/332A.02","text":"MN 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Revisor"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","text":"eCFR"},{"href":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","text":"Federal Register\n+1"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf","text":"Tenth Circuit Court of Appeals\n+2"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","text":"Federal Trade Commission"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","text":"Federal Trade 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Commission"}]],"rows":[["Source ID","Issuer and complete literal HTTPS URL","Actual read scope, version and limitations"],["S_MN-P07-S001","Minnesota Revisor, §332B.02 — https://www.revisor.mn.gov/statutes/cite/332B.02","Fresh definitions body; relied on subdivisions 3, 7–10, 13–16 and warning/history. Displayed 2025; 2026 accreditation warning retained. \nMN Revisor"],["S_MN-P07-S002","Minnesota Revisor, §332B.03 — https://www.revisor.mn.gov/statutes/cite/332B.03","Fresh complete registration/remote/advertising and 2009-transition paragraph. No checklist or entity lookup. \nMN Revisor"],["S_MN-P07-S003","Minnesota Revisor, §332B.10 — https://www.revisor.mn.gov/statutes/cite/332B.10","Fresh complete clauses (1)–(13); incorporation and marketing/legal-advice clauses materially relied upon. 2025 display. \nMN Revisor"],["S_MN-P07-S004","Minnesota Revisor, §332B.11 — https://www.revisor.mn.gov/statutes/cite/332B.11","Fresh complete subdivisions 1–2, including the exact required disclosure. 2025 display. \nMN Revisor"],["S_MN-P07-S005","Minnesota Revisor, §332A.02 — https://www.revisor.mn.gov/statutes/cite/332A.02","Fresh relevant definitions and complete subdivision 8 categories; subdivisions 10a–10c inspected for limited recipient boundaries. 2025 display with accreditation warning. \nMN Revisor"],["S_MN-P07-S006","Minnesota Revisor, §332A.03 — https://www.revisor.mn.gov/statutes/cite/332A.03","Fresh operative paragraphs. §58A.04 cross-reference not analyzed in full; no exemption inferred from it. \nMN Revisor"],["S_MN-P07-S007","Minnesota Revisor, §332A.14 — https://www.revisor.mn.gov/statutes/cite/332A.14","Fresh complete clauses (1)–(16); relied particularly on (5), (8), (10)–(12), (16). 2025 display. \nMN Revisor"],["S_MN-P07-S008","Minnesota Revisor, §332A.16 — https://www.revisor.mn.gov/statutes/cite/332A.16","Fresh complete operative advertising body, also read in full-chapter HTML. 2025 display. \nMN Revisor"],["S_MN-P07-S009","Minnesota Revisor, §332B.06 — https://www.revisor.mn.gov/statutes/cite/332B.06","Fresh targeted subdivisions 1–4; prerequisites and disclosure boundaries only. No full fee-performance or contract dossier. \nMN Revisor"],["S_MN-P07-S010","Minnesota Revisor, §332A.10 — https://www.revisor.mn.gov/statutes/cite/332A.10","Fresh targeted subdivisions 1–3; pre-service assessment, agreement and disclosure conditions. \nMN Revisor"],["S_MN-P07-S011","Minnesota Revisor, §332A.13 — https://www.revisor.mn.gov/statutes/cite/332A.13","Fresh targeted subdivision 3, exclusive consumer-fee categories only. P06 ledger conclusions not reused. \nMN Revisor"],["S_MN-P07-S012","Minnesota Revisor, §332B.09 — https://www.revisor.mn.gov/statutes/cite/332B.09","Fresh targeted subdivision 4, exclusivity/extra-compensation boundary only. P05 earning conclusions not reused. \nMN Revisor"],["S_MN-P07-S013","Minnesota Revisor, §332B.13 — https://www.revisor.mn.gov/statutes/cite/332B.13","Fresh operative remedies body; relied narrowly on express lead-generator coverage in subdivisions 2–3. Full litigation/remedy calculation deferred. \nMN Revisor"],["S_MN-P07-S014","Minnesota Legislature/Revisor, Laws 2007, chapter 57 — https://www.revisor.mn.gov/laws/2007/0/57/","Fresh article 3, §§57–58 and effective-date clauses. Historical numbering; January 1, 2008 effective date. Not entire act. \nMN Revisor"],["S_MN-P07-S015","Minnesota Legislature/Revisor, Laws 2009, chapter 37 — https://www.revisor.mn.gov/laws/2009/0/37/","Fresh targeted article 4 provisions, including §§17–20, 27–28, 30. Enacted text, not engrossment. Full historical effective-date classification not completed. \nMN Revisor"],["S_MN-P07-S016","Minnesota Legislature/Revisor, Laws 2009, chapter 178 — https://www.revisor.mn.gov/laws/2009/0/178/","Fresh article 1, §§63–65 and relevant date neighborhood. Historical exemption wording not treated as current. \nMN Revisor"],["S_MN-P07-S017","Minnesota Revisor, 2026 statutes-changed Table 2 — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Fresh index entries around Chapters 332A–332B. Regular-session index only; no exhaustive consolidation claim. \nMN Revisor"],["S_MN-P07-S018","OFR/eCFR, 16 CFR §310.2 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Fresh relevant definitions, including (n), (o), (y), (ee), (hh), (ii), and upselling. Display current through October 23, 2026; authoritative but unofficial eCFR presentation. \neCFR"],["S_MN-P07-S019","OFR/eCFR, 16 CFR §310.3 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Fresh (a)(1)(viii), relevant footnote, (a)(2)(vii), (x), and complete (b). Broader deceptive-practice regime not comprehensively analyzed. \neCFR\n+1"],["S_MN-P07-S020","OFR/eCFR, 16 CFR §310.4 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Fresh complete (a)(5)(i)–(ii), including all account conditions. No calling-hours/DNC or consumer-earning ledger rerun. \neCFR"],["S_MN-P07-S021","OFR/eCFR, 16 CFR §310.6 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Fresh operative exemption body, especially (b)(3)–(7), exceptions and amendment metadata. \neCFR"],["S_MN-P07-S022","FTC, final TSR amendments, 75 FR 48458 — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Fresh targeted Commission explanation: lead-generator discussion and footnote 133; account provisions; DATES. Historical adoption/interpretation, not a substitute for current text. HTML read. \nFederal Register\n+1"],["S_MN-P07-S023","Tenth Circuit, FTC v. Chapman, No. 11-3319 — https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf","Published May 7, 2013; 17 pages. Opinion body read, particularly slip pp. 8–15; relevant pages visually inspected. Official PDF reached through the court’s published-opinion index. \nTenth Circuit Court of Appeals\n+2"],["S_MN-P07-S024","FTC, debt-relief business guide — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Fresh targeted lead-generation/substantial-assistance discussion. Staff guidance, not binding adjudication. Historical recordkeeping or exemption summaries not substituted for current CFR. \nFederal Trade Commission"],["S_MN-P07-S025","FTC, general TSR compliance guide — https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","Fresh targeted assistance discussion, including casual/incidental support and conscious avoidance. Staff guidance; broader manual not adopted wholesale. \nFederal Trade Commission"]]},{"headers":["Claim","Actor, predicate, required step/trigger and effect","Authority","Confidence and limits"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Actor, predicate, required step/trigger and effect","Authority","Confidence and limits"],["C001","Current Minnesota displays remain 2025; the targeted 2026 index check is limited.","S001–S008, S017","High as version finding; later-law completeness held."],["C002","Original A.14/A.16 enactments specify January 1, 2008; selected 2009 historical dates are not fully reconstructed.","S014–S016","High for inspected clauses; no guessed date."],["C003","Soliciting business by any medium is advertising under the relevant definitions.","S001 subd.3; S005 subd.2a","Text—high."],["C004","Advice, accumulation assistance and holding out can constitute settlement services without custody or payment.","S001 subd.10","Text—high; actual content matters."],["C005","Provider coverage reaches Minnesota-domiciled debtors, remote actors and delegates.","S001 subd.13; S005 subd.8","Text—high."],["C006","Lead status requires absence of settlement services and one of the three specified activities; compensation is unnecessary.","S001 subd.14","Text—high."],["C007","No categorical publisher/directory/affiliate exemption was established.","S001, S004; search record","Conditional boundary, not proof every publisher is covered."],["C008","Covered provider offering/advertising/services require prior registration or actual legal authorization.","S002; S006","Text—high; actual exemption/status not determined."],["C009","Lead-only registration treatment is not conclusively resolved by identifying a separate lead definition.","S001–S002, S004","Held harmonization issue."],["C010","Full-repayment receipt/distribution and holding out invoke the DMP definition.","S005 subd.9","Text—high; no custody ledger analysis."],["C011","Delegation matters; the regular-salary exception is limited and not a general debt-relief employee exemption.","S005 subd.8(4); S001 subd.13","Text high; individual employee registration held."],["C012","Chapter B imports only A.02(8)(2)–(12), plus its separate stated exclusions.","S001 subd.13; S005","Text—high; no upstream marketer exemption."],["C013","Attorney and enrolled-agent routes require their actual statutory conditions.","S001 subd.13a; S005 subds.10b–10c","Text—high; no actual qualification."],["C014","Settlement providers are subject to incorporated A.14 prohibitions.","S003 clause1","Text—high."],["C015","Covered provider’s material referral offer/payment is restricted independently of the price formula.","S007 clause11; S003 clause1","Text high; materiality threshold not invented."],["C016","DMP employee/agent enrollment incentives are separately addressed.","S007 clause11","Text—high; ordinary labor boundary fact-dependent."],["C017","Provider collection for arranging specified credit/debtor services faces a separate prohibition.","S007 clause8; S003 clause1","Text—high; preserve exact recipient/service categories."],["C018","Incoming provider compensation from nondebtor sources is restricted subject to stated payer/recipient exceptions.","S007 clause12","Text—high."],["C019","Bona fide nonprofit exception is paragraph-specific, not general referral permission.","S007 clauses11–12; S011–S012","High textual limitation; broader interaction held."],["C020","Added consumer charges, tied purchases and purported donations are not authorized merely by intermediary invoicing.","S007 clauses5,16; S011 subd.3; S012 subd.4","Conditional application."],["C021","Genuine vendor work requires functional classification; no blanket counseling/vendor exception was located.","S001, S005, S007","Held boundary where facts/authority insufficient."],["C022","Lead solicitations require the complete prominent statutory verbatim disclosure.","S004 subd.2(a)","Text—high; at solicitation."],["C023","Guarantees, misleading comparisons and specified provider claims are restricted.","S004 subd.2(b); S003 clauses2–4,7,9–12","Text—high."],["C024","Government-impression and affiliated-for-profit/nonprofit claims have specific restrictions.","S004 subd.1; S008","Text—high; actual impression/delivery facts needed."],["C025","No in-state office is required for the express provider nexus.","S001 subd.13; S005 subd.8","Text—high; broader territorial issues held."],["C026","Consumer-purpose wording in one service limb does not establish a universal business-only exclusion.","S001 subd.10; S005 subd.9","Text plus inference; mixed-purpose construction held."],["C027","Tax, legal-service and credit-improvement representations require their own boundary tests.","S001 subds.10,13a; S003 clauses7,11–12","Narrow finding; sector regimes deferred."],["C028","Crossing into provider enrollment triggers relevant analysis, agreement and disclosure prerequisites.","S009 subds.1–4; S010 subds.1–3","Text—high; not a full contract approval."],["C029","Lead violations of §B.11 have express statutory enforcement consequences.","S013 subds.2–3","Text—high; remedies not calculated."],["C030","Federal roles and telemarketing predicates must be separately satisfied.","S018 relevant definitions","Text—high; no universal online coverage."],["C031","Inbound, unsolicited, face-to-face, upsell and B2B provisions have distinct conditions.","S021(b)(3)–(7)","Text—high."],["C032","Covered sellers/telemarketers face debt-relief disclosure and misrepresentation rules.","S019(a)(1)(viii), footnote1, (a)(2)(vii),(x)","Text—high; before enrollment for relevant disclosures."],["C033","Assistance liability requires substantial support and knowledge or conscious avoidance of a specified violation.","S019(b)","Text—high; not strict liability from lead sale."],["C034","Chapman supports integral-support/conscious-avoidance analysis on its record.","S023 slip pp.8–15","Published out-of-circuit authority; no Minnesota classification holding."],["C035","A relabeled charge can remain consideration for debt relief and require the federal advance-fee predicates.","S020(a)(5)(i)","Conditional; no fee earning recalculated."],["C036","Account independence and administrator no-referral-compensation conditions are separate.","S020(a)(5)(ii)(A)–(E)","Text—high; actual account facts absent."],["C037","Administrator-specific federal condition is not a universal lead ban or permission overriding state restrictions.","S020; S003/S007","Combined textual conclusion."],["C038","eCFR and 2010 adoption dates have the stated limited currentness/effect meanings.","S018–S022","High; title metadata not section amendment date."],["C039","No responsive controlling Minnesota classification/referral interpretation was located and read.","Bounded search record","Search finding, not nonexistence."],["C040","M01 reconciles $2,700 but does not authorize the covered-provider referral purchase.","M01; C015","Fictional arithmetic and conditional application."],["C041","M02 reconciles $3,600; enrollment timing and percentage pricing do not establish permission.","M02; C015","Same."],["C042","M03 distinguishes independent education from changed tied-payment/kickback facts.","M03; C004,C020–C021","Conditional boundary, not general business clearance."],["C043","M04 reconciles $504 while independently testing both account conditions and payment directions.","M04; C018,C036–C037","Fictional commercial ledger only."],["C044","No actual provider authorization, marketing approval or broader-state completion is established.","Scope and evidence limits","Express limitation."]]},{"headers":["Component","Status","Claims/postures/models","Missing evidence or next action"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claims/postures/models","Missing evidence or next action"],["Complete lead definition","Answered textually","C006","Actual workflow facts for application."],["Settlement-service/holding-out boundary","Answered textually; application conditional","C004–C005","Actual content, scripts and promises."],["Passive educational resource","Partial","P01, C007","Responsive interpretation of generalized advice/reporting boundary."],["Unpaid directory","Partial","P02","Actual matching/routing/solicitation facts; no publisher safe harbor established."],["General advertising versus referral purchase","Unresolved boundary","M01, C021","Binding interpretation or sufficiently specific authority concerning the actual media deliverable."],["Flat-fee lead purchase","Answered on stipulated covered-provider facts","P03, M01","Actual actor/materiality facts remain."],["Percentage enrollment compensation","Answered on stipulated facts","P04, M02","Same; no percentage safe harbor."],["Warm transfer","Answered conditionally","P05","Script, call role and campaign facts."],["Clerical enrollment assistance","Partial","C011,C028","Actual duties and delegation/control evidence."],["Personalized negotiation/accumulation service","Answered textually","P06","Actual representations and applicable provider authorization."],["Misleading government/approval claims","Answered","P07, C024","No company status checked."],["Remote Minnesota-domiciled debtor","Answered textually","P08, C025","Actual domicile and service facts."],["Nonresident/incidental readership nexus","Unresolved","C025","Territorial/choice-of-law authority."],["Business-only activity","Partial","P09, C026","Each service limb and actual purpose."],["Mixed-purpose debts","Unresolved application","P10","Purpose evidence and responsive interpretation."],["Noncustodial provider service","Answered textually","C004","No custody prerequisite in every limb."],["Exempt-recipient versus marketer","Answered boundary; actual qualification held","P11, C012–C013","Recipient conditions and marketer’s independent conduct."],["Employees and subcontractors","Partial","P12, C011,C016","Entity/agency facts; individual-registration construction."],["Provider-to-marketer payment","Answered textually","C014–C016","Materiality and actual consideration."],["Provider receives referral fee for other services","Answered textually","C017","Exact referred service/recipient."],["Third party/creditor pays provider","Answered with exception limits","P14, C018–C019","Payer purpose, nonprofit qualification, other fee restrictions."],["Person pays on debtor’s behalf","Answered boundary","C018","Actual agency/purpose and lawful underlying fee."],["Consumer pays intermediary","Partial","C020, M03","Actual service and whether charge is tied/disguised."],["Genuine counseling/vendor services","Partial","P13, M03","Actual deliverable; no blanket exception."],["Required lead disclosure","Answered","C022","Actual solicitation copy not reviewed."],["Comparative, guarantee, nonprofit and secured-debt claims","Answered textually","C023–C024","Actual claims and context."],["Provider agreement/disclosure boundary","Answered narrowly","C028","Actual agreement and analysis records."],["Lead enforcement hook","Answered narrowly","C029","Full remedies/litigation deferred."],["Federal seller/telemarketer/assistant roles","Answered conditionally","C030","Actual campaign, actor and jurisdictional facts."],["Inbound calls and upsells","Answered textually","C031","Actual solicitation source and transaction sequence."],["Pure online activity","Partial","C030,C033","Connection, if any, to covered calls."],["Federal misrepresentations/disclosures","Answered narrowly","C032","Actual representations."],["Knowledge-based substantial assistance","Answered textually and with published precedent","P16, C033–C034","Actual underlying violation, support and mental-state evidence."],["Advance-fee relabeling","Answered boundary","C035","Fee-performance remains separate."],["Administrator affiliation","Answered conditionally","P15, M04","Actual ownership/control/affiliation."],["Administrator payments in both directions","Answered textually","M04, C036","Actual referral consideration."],["M01 gross/accepted/credit/refund reconciliation","Completed","C040","Legal advertising alternative remains held."],["M02 enrollment/percentage/refund reconciliation","Completed","C041","No fee entitlement inferred."],["M03 consumer/provider receipts","Completed conditionally","C042","Independent-education assumptions are essential."],["M04 administrator/provider receipts","Completed conditionally","C043","No consumer account ledger analyzed."],["2007 enactment/effective date","Answered","C002","None for selected express clauses."],["Selected 2009 enactments","Read; date chain partial","S015–S016","Complete general/specific effective-date reconciliation for historical application."],["2026 targeted changes","Answered as index check","C001","Complete later/special-session consolidation remains open."],["Responsive Minnesota rules/adoption orders","Not located in bounded search","C039","Further official rule/status/final-order research on exact boundary."],["Minnesota controlling classification precedent","Not located and read","C039","Responsive published majority opinion or binding final interpretation."],["Chapman precedent and limits","Answered","C034","Comprehensive subsequent-history review not performed."],["P01 crosswalk","Preserved below","C044","No retroactive acceptance upgrade."],["P05 settlement earning","Excluded; unreviewed answer not used","C044","Separate review."],["P06 DMP fee/custody ledger","Excluded; unreviewed answer not used","C044","Separate review."],["Registration checklist, provider status, 2026 transition","Deferred/preserved","C044","P02–P04 holds unchanged."],["TCPA, calling hours and DNC","Individually deferred","C044","Separate operative-law review."],["Privacy, data sale and transmission","Individually deferred","C044","Actual data flow and governing law; no transmission authorized."],["General FTC Act/CROA/credit repair","Individually deferred","C027,C044","Actual representations and separate statutes/rules."],["Attorney ethics and full tax/nonprofit dossiers","Deferred","C013,C027","Actual professional/entity conditions and governing rules."],["Full funds, bonds, fees and contracts","Deferred","C044","Separate components."],["Collection/litigation/limitations/wage/property","Deferred","C044","Separate parent-state work."],["Local/territorial/tribal/sovereign issues","Unresolved/deferred","C025,C044","Specific location, sovereignty and choice-of-law facts and authority."]]},{"headers":["Original component","Original status","Original claims","Original remaining action"],"index":11,"links":[],"row_links":[[],[]],"rows":[["Original component","Original status","Original claims","Original remaining action"],["Lead generation and referrals","Partial","C001–C003","Analyze §332B.02(14), §332B.11, referral compensation and licensing boundaries"]]}],"claims":[{"claim_id":"S_MN-P07-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Actor, predicate, required step/trigger and effect":"Current Minnesota displays remain 2025; the targeted 2026 index check is limited.","Authority":"S001–S008, S017","Confidence and limits":"High as version finding; later-law completeness held."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Actor, predicate, required step/trigger and effect":"Original A.14/A.16 enactments specify January 1, 2008; selected 2009 historical dates are not fully reconstructed.","Authority":"S014–S016","Confidence and limits":"High for inspected clauses; no guessed date."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Actor, predicate, required step/trigger and effect":"Soliciting business by any medium is advertising under the relevant definitions.","Authority":"S001 subd.3; S005 subd.2a","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Actor, predicate, required step/trigger and effect":"Advice, accumulation assistance and holding out can constitute settlement services without custody or payment.","Authority":"S001 subd.10","Confidence and limits":"Text—high; actual content matters."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Actor, predicate, required step/trigger and effect":"Provider coverage reaches Minnesota-domiciled debtors, remote actors and delegates.","Authority":"S001 subd.13; S005 subd.8","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Actor, predicate, required step/trigger and effect":"Lead status requires absence of settlement services and one of the three specified activities; compensation is unnecessary.","Authority":"S001 subd.14","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Actor, predicate, required step/trigger and effect":"No categorical publisher/directory/affiliate exemption was established.","Authority":"S001, S004; search record","Confidence and limits":"Conditional boundary, not proof every publisher is covered."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Actor, predicate, required step/trigger and effect":"Covered provider offering/advertising/services require prior registration or actual legal authorization.","Authority":"S002; S006","Confidence and limits":"Text—high; actual exemption/status not determined."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Actor, predicate, required step/trigger and effect":"Lead-only registration treatment is not conclusively resolved by identifying a separate lead definition.","Authority":"S001–S002, S004","Confidence and limits":"Held harmonization issue."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Actor, predicate, required step/trigger and effect":"Full-repayment receipt/distribution and holding out invoke the DMP definition.","Authority":"S005 subd.9","Confidence and limits":"Text—high; no custody ledger analysis."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Actor, predicate, required step/trigger and effect":"Delegation matters; the regular-salary exception is limited and not a general debt-relief employee exemption.","Authority":"S005 subd.8(4); S001 subd.13","Confidence and limits":"Text high; individual employee registration held."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Actor, predicate, required step/trigger and effect":"Chapter B imports only A.02(8)(2)–(12), plus its separate stated exclusions.","Authority":"S001 subd.13; S005","Confidence and limits":"Text—high; no upstream marketer exemption."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C013","Actor, predicate, required step/trigger and effect":"Attorney and enrolled-agent routes require their actual statutory conditions.","Authority":"S001 subd.13a; S005 subds.10b–10c","Confidence and limits":"Text—high; no actual qualification."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C014","Actor, predicate, required step/trigger and effect":"Settlement providers are subject to incorporated A.14 prohibitions.","Authority":"S003 clause1","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C015","Actor, predicate, required step/trigger and effect":"Covered provider’s material referral offer/payment is restricted independently of the price formula.","Authority":"S007 clause11; S003 clause1","Confidence and limits":"Text high; materiality threshold not invented."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C016","Actor, predicate, required step/trigger and effect":"DMP employee/agent enrollment incentives are separately addressed.","Authority":"S007 clause11","Confidence and limits":"Text—high; ordinary labor boundary fact-dependent."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C017","Actor, predicate, required step/trigger and effect":"Provider collection for arranging specified credit/debtor services faces a separate prohibition.","Authority":"S007 clause8; S003 clause1","Confidence and limits":"Text—high; preserve exact recipient/service categories."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C018","Actor, predicate, required step/trigger and effect":"Incoming provider compensation from nondebtor sources is restricted subject to stated payer/recipient exceptions.","Authority":"S007 clause12","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C019","Actor, predicate, required step/trigger and effect":"Bona fide nonprofit exception is paragraph-specific, not general referral permission.","Authority":"S007 clauses11–12; S011–S012","Confidence and limits":"High textual limitation; broader interaction held."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C020","Actor, predicate, required step/trigger and effect":"Added consumer charges, tied purchases and purported donations are not authorized merely by intermediary invoicing.","Authority":"S007 clauses5,16; S011 subd.3; S012 subd.4","Confidence and limits":"Conditional application."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C021","Actor, predicate, required step/trigger and effect":"Genuine vendor work requires functional classification; no blanket counseling/vendor exception was located.","Authority":"S001, S005, S007","Confidence and limits":"Held boundary where facts/authority insufficient."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C022","Actor, predicate, required step/trigger and effect":"Lead solicitations require the complete prominent statutory verbatim disclosure.","Authority":"S004 subd.2(a)","Confidence and limits":"Text—high; at solicitation."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C023","Actor, predicate, required step/trigger and effect":"Guarantees, misleading comparisons and specified provider claims are restricted.","Authority":"S004 subd.2(b); S003 clauses2–4,7,9–12","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C024","Actor, predicate, required step/trigger and effect":"Government-impression and affiliated-for-profit/nonprofit claims have specific restrictions.","Authority":"S004 subd.1; S008","Confidence and limits":"Text—high; actual impression/delivery facts needed."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C025","Actor, predicate, required step/trigger and effect":"No in-state office is required for the express provider nexus.","Authority":"S001 subd.13; S005 subd.8","Confidence and limits":"Text—high; broader territorial issues held."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C026","Actor, predicate, required step/trigger and effect":"Consumer-purpose wording in one service limb does not establish a universal business-only exclusion.","Authority":"S001 subd.10; S005 subd.9","Confidence and limits":"Text plus inference; mixed-purpose construction held."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C027","Actor, predicate, required step/trigger and effect":"Tax, legal-service and credit-improvement representations require their own boundary tests.","Authority":"S001 subds.10,13a; S003 clauses7,11–12","Confidence and limits":"Narrow finding; sector regimes deferred."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C028","Actor, predicate, required step/trigger and effect":"Crossing into provider enrollment triggers relevant analysis, agreement and disclosure prerequisites.","Authority":"S009 subds.1–4; S010 subds.1–3","Confidence and limits":"Text—high; not a full contract approval."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C029","Actor, predicate, required step/trigger and effect":"Lead violations of §B.11 have express statutory enforcement consequences.","Authority":"S013 subds.2–3","Confidence and limits":"Text—high; remedies not calculated."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C030","Actor, predicate, required step/trigger and effect":"Federal roles and telemarketing predicates must be separately satisfied.","Authority":"S018 relevant definitions","Confidence and limits":"Text—high; no universal online coverage."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C031","Actor, predicate, required step/trigger and effect":"Inbound, unsolicited, face-to-face, upsell and B2B provisions have distinct conditions.","Authority":"S021(b)(3)–(7)","Confidence and limits":"Text—high."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C032","Actor, predicate, required step/trigger and effect":"Covered sellers/telemarketers face debt-relief disclosure and misrepresentation rules.","Authority":"S019(a)(1)(viii), footnote1, (a)(2)(vii),(x)","Confidence and limits":"Text—high; before enrollment for relevant disclosures."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C033","Actor, predicate, required step/trigger and effect":"Assistance liability requires substantial support and knowledge or conscious avoidance of a specified violation.","Authority":"S019(b)","Confidence and limits":"Text—high; not strict liability from lead sale."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C034","Actor, predicate, required step/trigger and effect":"Chapman supports integral-support/conscious-avoidance analysis on its record.","Authority":"S023 slip pp.8–15","Confidence and limits":"Published out-of-circuit authority; no Minnesota classification holding."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C035","Actor, predicate, required step/trigger and effect":"A relabeled charge can remain consideration for debt relief and require the federal advance-fee predicates.","Authority":"S020(a)(5)(i)","Confidence and limits":"Conditional; no fee earning recalculated."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C036","Actor, predicate, required step/trigger and effect":"Account independence and administrator no-referral-compensation conditions are separate.","Authority":"S020(a)(5)(ii)(A)–(E)","Confidence and limits":"Text—high; actual account facts absent."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C037","Actor, predicate, required step/trigger and effect":"Administrator-specific federal condition is not a universal lead ban or permission overriding state restrictions.","Authority":"S020; S003/S007","Confidence and limits":"Combined textual conclusion."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C038","Actor, predicate, required step/trigger and effect":"eCFR and 2010 adoption dates have the stated limited currentness/effect meanings.","Authority":"S018–S022","Confidence and limits":"High; title metadata not section amendment date."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C039","Actor, predicate, required step/trigger and effect":"No responsive controlling Minnesota classification/referral interpretation was located and read.","Authority":"Bounded search record","Confidence and limits":"Search finding, not nonexistence."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C040","Actor, predicate, required step/trigger and effect":"M01 reconciles $2,700 but does not authorize the covered-provider referral purchase.","Authority":"M01; C015","Confidence and limits":"Fictional arithmetic and conditional application."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C041","Actor, predicate, required step/trigger and effect":"M02 reconciles $3,600; enrollment timing and percentage pricing do not establish permission.","Authority":"M02; C015","Confidence and limits":"Same."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C042","Actor, predicate, required step/trigger and effect":"M03 distinguishes independent education from changed tied-payment/kickback facts.","Authority":"M03; C004,C020–C021","Confidence and limits":"Conditional boundary, not general business clearance."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C043","Actor, predicate, required step/trigger and effect":"M04 reconciles $504 while independently testing both account conditions and payment directions.","Authority":"M04; C018,C036–C037","Confidence and limits":"Fictional commercial ledger only."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MN-P07-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C044","Actor, predicate, required step/trigger and effect":"No actual provider authorization, marketing approval or broader-state completion is established.","Authority":"Scope and evidence limits","Confidence and limits":"Express limitation."},"raw_table_index":9,"coordinator_verification_status":"same_coordinator_selected_primary_and_all_model_arithmetic_checks;not_all_source_current_law_or_permission","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_MN-P07-S001","urls":["https://www.revisor.mn.gov/statutes/cite/332B.02"],"researcher_record":{"Source ID":"S_MN-P07-S001","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.02 — https://www.revisor.mn.gov/statutes/cite/332B.02","Actual read scope, version and limitations":"Fresh definitions body; relied on subdivisions 3, 7–10, 13–16 and warning/history. Displayed 2025; 2026 accreditation warning retained. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S001","url":"https://www.revisor.mn.gov/statutes/cite/332B.02","pinpoint":"subds.3,7–10,13–16 and 2026 warning","finding":"Fresh lead definition has no compensation element; service/holding out, remote domicile and delegated-provider rules; exact A.02(8)(2)–(12) incorporation, separate attorney conditions. No universal business debt, publisher or marketer exemption."}},{"source_id":"S_MN-P07-S002","urls":["https://www.revisor.mn.gov/statutes/cite/332B.03"],"researcher_record":{"Source ID":"S_MN-P07-S002","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.03 — https://www.revisor.mn.gov/statutes/cite/332B.03","Actual read scope, version and limitations":"Fresh complete registration/remote/advertising and 2009-transition paragraph. No checklist or entity lookup. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S002","url":"https://www.revisor.mn.gov/statutes/cite/332B.03","pinpoint":"complete operative registration/2009 transition paragraphs","finding":"Fresh broad offer/advertise/execute language supports retaining harmonization hold for strictly lead-only activity. No separate lead registration mechanism established, but no universal exemption concluded."}},{"source_id":"S_MN-P07-S003","urls":["https://www.revisor.mn.gov/statutes/cite/332B.10"],"researcher_record":{"Source ID":"S_MN-P07-S003","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.10 — https://www.revisor.mn.gov/statutes/cite/332B.10","Actual read scope, version and limitations":"Fresh complete clauses (1)–(13); incorporation and marketing/legal-advice clauses materially relied upon. 2025 display. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S003","url":"https://www.revisor.mn.gov/statutes/cite/332B.10","pinpoint":"complete clauses1–13","finding":"Fresh clause1 incorporates A.14; guarantee, timing, credit effects, legal-advice and collection claims separately constrained."}},{"source_id":"S_MN-P07-S004","urls":["https://www.revisor.mn.gov/statutes/cite/332B.11"],"researcher_record":{"Source ID":"S_MN-P07-S004","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.11 — https://www.revisor.mn.gov/statutes/cite/332B.11","Actual read scope, version and limitations":"Fresh complete subdivisions 1–2, including the exact required disclosure. 2025 display. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S004","url":"https://www.revisor.mn.gov/statutes/cite/332B.11","pinpoint":"complete subds.1–2","finding":"Fresh exact prominent verbatim lead disclosure read in full; guarantee/comparison and misleading nonprofit/government/secured-debt restrictions. Report describes rather than reproduces substitute ad copy. No actual solicitation approved."}},{"source_id":"S_MN-P07-S005","urls":["https://www.revisor.mn.gov/statutes/cite/332A.02"],"researcher_record":{"Source ID":"S_MN-P07-S005","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.02 — https://www.revisor.mn.gov/statutes/cite/332A.02","Actual read scope, version and limitations":"Fresh relevant definitions and complete subdivision 8 categories; subdivisions 10a–10c inspected for limited recipient boundaries. 2025 display with accreditation warning. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S005","url":"https://www.revisor.mn.gov/statutes/cite/332A.02","pinpoint":"subds.2a,5–10c,12–13 and warning","finding":"Fresh all subd.8 exclusions and credential/firm conditions read; regular salary exception concerns employer not engaged in debt management. No upstream marketer inheritance or universal employee-registration result."}},{"source_id":"S_MN-P07-S006","urls":["https://www.revisor.mn.gov/statutes/cite/332A.03"],"researcher_record":{"Source ID":"S_MN-P07-S006","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.03 — https://www.revisor.mn.gov/statutes/cite/332A.03","Actual read scope, version and limitations":"Fresh operative paragraphs. §58A.04 cross-reference not analyzed in full; no exemption inferred from it. \nMN Revisor"},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review;researcher_access_remains_attributed","coordinator_check_evidence":"[internal evidence reference]"},{"source_id":"S_MN-P07-S007","urls":["https://www.revisor.mn.gov/statutes/cite/332A.14"],"researcher_record":{"Source ID":"S_MN-P07-S007","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.14 — https://www.revisor.mn.gov/statutes/cite/332A.14","Actual read scope, version and limitations":"Fresh complete clauses (1)–(16); relied particularly on (5), (8), (10)–(12), (16). 2025 display. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S007","url":"https://www.revisor.mn.gov/statutes/cite/332A.14","pinpoint":"complete clauses1–16/history","finding":"Fresh clauses8,11,12 distinguish provider collection for specified services, material outgoing referral/enrollment rewards and incoming third-party compensation. Paragraph12 nonprofit exception not paragraph11 permission; exact materiality boundary and fee-exclusivity interaction remain held."}},{"source_id":"S_MN-P07-S008","urls":["https://www.revisor.mn.gov/statutes/cite/332A.16","https://www.revisor.mn.gov/statutes/cite/332A/full"],"researcher_record":{"Source ID":"S_MN-P07-S008","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.16 — https://www.revisor.mn.gov/statutes/cite/332A.16","Actual read scope, version and limitations":"Fresh complete operative advertising body, also read in full-chapter HTML. 2025 display. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S008","url":"https://www.revisor.mn.gov/statutes/cite/332A.16","pinpoint":"complete advertisement body/history","finding":"Fresh false impression, nonprofit-affiliation and government representation boundaries corroborated."}},{"source_id":"S_MN-P07-S009","urls":["https://www.revisor.mn.gov/statutes/cite/332B.06"],"researcher_record":{"Source ID":"S_MN-P07-S009","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.06 — https://www.revisor.mn.gov/statutes/cite/332B.06","Actual read scope, version and limitations":"Fresh targeted subdivisions 1–4; prerequisites and disclosure boundaries only. No full fee-performance or contract dossier. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S009","url":"https://www.revisor.mn.gov/statutes/cite/332B.06","pinpoint":"subds.1–4","finding":"Fresh written/signed/language/registration disclosures, assessment and alternative information, creditor participation and prescribed caution steps; actual agreement and full compliance not determined."}},{"source_id":"S_MN-P07-S010","urls":["https://www.revisor.mn.gov/statutes/cite/332A.10"],"researcher_record":{"Source ID":"S_MN-P07-S010","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.10 — https://www.revisor.mn.gov/statutes/cite/332A.10","Actual read scope, version and limitations":"Fresh targeted subdivisions 1–3; pre-service assessment, agreement and disclosure conditions. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S010","url":"https://www.revisor.mn.gov/statutes/cite/332A.10","pinpoint":"subds.1–3;4 incidentally","finding":"Fresh agreement and pre-service analysis/registration disclosures corroborated. No current contract approval."}},{"source_id":"S_MN-P07-S011","urls":["https://www.revisor.mn.gov/statutes/cite/332A.13"],"researcher_record":{"Source ID":"S_MN-P07-S011","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332A.13 — https://www.revisor.mn.gov/statutes/cite/332A.13","Actual read scope, version and limitations":"Fresh targeted subdivision 3, exclusive consumer-fee categories only. P06 ledger conclusions not reused. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S011","url":"https://www.revisor.mn.gov/statutes/cite/332A.13","pinpoint":"subd.3;surrounding displayed text","finding":"Fresh additional-fee exclusivity supports retaining tied/disguised compensation and nonprofit interaction holds; no fee-earning rerun."}},{"source_id":"S_MN-P07-S012","urls":["https://www.revisor.mn.gov/statutes/cite/332B.09"],"researcher_record":{"Source ID":"S_MN-P07-S012","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.09 — https://www.revisor.mn.gov/statutes/cite/332B.09","Actual read scope, version and limitations":"Fresh targeted subdivision 4, exclusivity/extra-compensation boundary only. P05 earning conclusions not reused. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S012","url":"https://www.revisor.mn.gov/statutes/cite/332B.09","pinpoint":"subd.4;surrounding displayed text","finding":"Fresh fee exclusivity does not itself clear a third-party contribution. No consumer fee recalculation in this review."}},{"source_id":"S_MN-P07-S013","urls":["https://www.revisor.mn.gov/statutes/cite/332B.13"],"researcher_record":{"Source ID":"S_MN-P07-S013","Issuer and complete literal HTTPS URL":"Minnesota Revisor, §332B.13 — https://www.revisor.mn.gov/statutes/cite/332B.13","Actual read scope, version and limitations":"Fresh operative remedies body; relied narrowly on express lead-generator coverage in subdivisions 2–3. Full litigation/remedy calculation deferred. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S013","url":"https://www.revisor.mn.gov/statutes/cite/332B.13","pinpoint":"subds.2–3 and surrounding body","finding":"Fresh express lead-generator B.11 liability/injunction hook verified; no remedies amount/advice applied."}},{"source_id":"S_MN-P07-S014","urls":["https://www.revisor.mn.gov/laws/2007/0/57/"],"researcher_record":{"Source ID":"S_MN-P07-S014","Issuer and complete literal HTTPS URL":"Minnesota Legislature/Revisor, Laws 2007, chapter 57 — https://www.revisor.mn.gov/laws/2007/0/57/","Actual read scope, version and limitations":"Fresh article 3, §§57–58 and effective-date clauses. Historical numbering; January 1, 2008 effective date. Not entire act. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S014","url":"https://www.revisor.mn.gov/laws/2007/0/57/","pinpoint":"article3 sections57–58 complete and own effective clauses","finding":"Fresh January1,2008 explicit clauses; historical referral numbering10/11 differs from current11/12. Whole act not read."}},{"source_id":"S_MN-P07-S015","urls":["https://www.revisor.mn.gov/laws/2009/0/37/"],"researcher_record":{"Source ID":"S_MN-P07-S015","Issuer and complete literal HTTPS URL":"Minnesota Legislature/Revisor, Laws 2009, chapter 37 — https://www.revisor.mn.gov/laws/2009/0/37/","Actual read scope, version and limitations":"Fresh targeted article 4 provisions, including §§17–20, 27–28, 30. Enacted text, not engrossment. Full historical effective-date classification not completed. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S015","url":"https://www.revisor.mn.gov/laws/2009/0/37/","pinpoint":"article4 selected section19definitions/20registration/27incorporation/28solicitation/30lead remedy","finding":"Fresh enacted selected text supports original definitions/incorporation/disclosure. Full article/general effective chain remains partial. No proposed journal/engrossment substituted."}},{"source_id":"S_MN-P07-S016","urls":["https://www.revisor.mn.gov/laws/2009/0/178/"],"researcher_record":{"Source ID":"S_MN-P07-S016","Issuer and complete literal HTTPS URL":"Minnesota Legislature/Revisor, Laws 2009, chapter 178 — https://www.revisor.mn.gov/laws/2009/0/178/","Actual read scope, version and limitations":"Fresh article 1, §§63–65 and relevant date neighborhood. Historical exemption wording not treated as current. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S016","url":"https://www.revisor.mn.gov/laws/2009/0/178/","pinpoint":"article1 sections63–65","finding":"Fresh amending prohibition/delegation/registration text; historical(1)–(10) exclusions not substituted for current(2)–(12). Exact general historical effective chain not reconstructed."}},{"source_id":"S_MN-P07-S017","urls":["https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026"],"researcher_record":{"Source ID":"S_MN-P07-S017","Issuer and complete literal HTTPS URL":"Minnesota Revisor, 2026 statutes-changed Table 2 — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Actual read scope, version and limitations":"Fresh index entries around Chapters 332A–332B. Regular-session index only; no exhaustive consolidation claim. \nMN Revisor"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S017","url":"https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","pinpoint":"actual index lines305–308","finding":"Fresh four accreditation/application entries; no listed referral-clause amendment there. Index not all-later/special-session current-law certificate; exact P02 transition remains dated reuse, not redone."}},{"source_id":"S_MN-P07-S018","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"],"researcher_record":{"Source ID":"S_MN-P07-S018","Issuer and complete literal HTTPS URL":"OFR/eCFR, 16 CFR §310.2 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Actual read scope, version and limitations":"Fresh relevant definitions, including (n), (o), (y), (ee), (hh), (ii), and upselling. Display current through October 23, 2026; authoritative but unofficial eCFR presentation. \neCFR"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S018","url":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","pinpoint":"definitionsn,o,y,ee,hh,ii,jj and version banner","finding":"Fresh consumer/debt relief/seller/telemarketer/campaign/interstate/upsell distinctions. Title up-to-date10/23, amended10/19 metadata not section-specific legal date."}},{"source_id":"S_MN-P07-S019","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"],"researcher_record":{"Source ID":"S_MN-P07-S019","Issuer and complete literal HTTPS URL":"OFR/eCFR, 16 CFR §310.3 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Actual read scope, version and limitations":"Fresh (a)(1)(viii), relevant footnote, (a)(2)(vii), (x), and complete (b). Broader deceptive-practice regime not comprehensively analyzed. \neCFR\n+1"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S019","url":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","pinpoint":"a1viii,a2vii/x,b,footnote1","finding":"Fresh substantial assistance plus knowledge/conscious avoidance and underlying specified violation; pre-enrollment disclosure footnote and misrepresentation predicates. Not strict liability from selling a lead."}},{"source_id":"S_MN-P07-S020","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_MN-P07-S020","Issuer and complete literal HTTPS URL":"OFR/eCFR, 16 CFR §310.4 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual read scope, version and limitations":"Fresh complete (a)(5)(i)–(ii), including all account conditions. No calling-hours/DNC or consumer-earning ledger rerun. \neCFR"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S020","url":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","pinpoint":"completea5i–ii","finding":"Fresh independent administrator and give-or-accept no-referral compensation distinct. All A–E account conditions read; no account/fee permission or consumer ledger determination."}},{"source_id":"S_MN-P07-S021","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"Source ID":"S_MN-P07-S021","Issuer and complete literal HTTPS URL":"OFR/eCFR, 16 CFR §310.6 — https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Actual read scope, version and limitations":"Fresh operative exemption body, especially (b)(3)–(7), exceptions and amendment metadata. \neCFR"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S021","url":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","pinpoint":"complete b3–7 including carveouts","finding":"Fresh advertising/directmail debt relief inbound exceptions, truly unsolicited/upsell/face-to-face and B2B a2/a4 residuals. No blanket online or B2B exemption."}},{"source_id":"S_MN-P07-S022","urls":["https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule"],"researcher_record":{"Source ID":"S_MN-P07-S022","Issuer and complete literal HTTPS URL":"FTC, final TSR amendments, 75 FR 48458 — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Actual read scope, version and limitations":"Fresh targeted Commission explanation: lead-generator discussion and footnote 133; account provisions; DATES. Historical adoption/interpretation, not a substitute for current text. HTML read. \nFederal Register\n+1"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S022","url":"https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","pinpoint":"DATES;definition discussion;exactfootnote133","finding":"Fresh Commission fact-dependent primary/assistance lead discussion and Sept27/Oct27,2010 dates. HTML not official PDF pixel inspection; current CFR controls."}},{"source_id":"S_MN-P07-S023","urls":["https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf"],"researcher_record":{"Source ID":"S_MN-P07-S023","Issuer and complete literal HTTPS URL":"Tenth Circuit, FTC v. Chapman, No. 11-3319 — https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf","Actual read scope, version and limitations":"Published May 7, 2013; 17 pages. Opinion body read, particularly slip pp. 8–15; relevant pages visually inspected. Official PDF reached through the court’s published-opinion index. \nTenth Circuit Court of Appeals\n+2"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S023","url":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019049209.pdf","pinpoint":"PUBLISH/date cover, pp2–4 and6–17; especially8–15; extracted text","finding":"Fresh majority support and mental-state holding, affirmed bench judgment. Out-of-circuit grant-telemarketing facts, not Minnesota referral classification. Pages not fully consecutively read, no pixels, no exhaustive subsequent history, monetary-remedy discussion not adopted."}},{"source_id":"S_MN-P07-S024","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"],"researcher_record":{"Source ID":"S_MN-P07-S024","Issuer and complete literal HTTPS URL":"FTC, debt-relief business guide — https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Actual read scope, version and limitations":"Fresh targeted lead-generation/substantial-assistance discussion. Staff guidance, not binding adjudication. Historical recordkeeping or exemption summaries not substituted for current CFR. \nFederal Trade Commission"},"coordinator_verification_status":"held_for_express_lead_supply_attribution;account_warning_only_in_retrieved_HTML","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S024","url":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","pinpoint":"targeted account/substantial assistance paragraphs;find lead returned none","finding":"Fresh retrieved HTML supports account-admin assistance warning; does NOT confirm an express lead-supply passage. Source attribution qualified: rely S022 fn133 and S025 mailing-list assistance, not credit S024 as expressly identifying lead supply. No inference researcher fabricated access; PDF/version not checked."}},{"source_id":"S_MN-P07-S025","urls":["https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"],"researcher_record":{"Source ID":"S_MN-P07-S025","Issuer and complete literal HTTPS URL":"FTC, general TSR compliance guide — https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","Actual read scope, version and limitations":"Fresh targeted assistance discussion, including casual/incidental support and conscious avoidance. Staff guidance; broader manual not adopted wholesale. \nFederal Trade Commission"},"coordinator_verification_status":"selected_primary_passages_checked_with_limits;not_all_source_certification","coordinator_check_evidence":"[internal evidence reference]","coordinator_selected_check":{"source":"S025","url":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","pinpoint":"Assisting/Facilitating section lines548–552","finding":"Fresh staff guidance lists mailing lists, scripts, payments and substantial support with mental-state predicates; casual/incidental distinction. Staff guidance not binding adjudication or current penalties/retention adopted here."}}],"coverage":[{"topic":"Complete lead definition","researcher_record":{"Component":"Complete lead definition","Status":"Answered textually","Claims/postures/models":"C006","Missing evidence or next action":"Actual workflow facts for application."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Settlement-service/holding-out boundary","researcher_record":{"Component":"Settlement-service/holding-out boundary","Status":"Answered textually; application conditional","Claims/postures/models":"C004–C005","Missing evidence or next action":"Actual content, scripts and promises."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Passive educational resource","researcher_record":{"Component":"Passive educational resource","Status":"Partial","Claims/postures/models":"P01, C007","Missing evidence or next action":"Responsive interpretation of generalized advice/reporting boundary."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Unpaid directory","researcher_record":{"Component":"Unpaid directory","Status":"Partial","Claims/postures/models":"P02","Missing evidence or next action":"Actual matching/routing/solicitation facts; no publisher safe harbor established."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"General advertising versus referral purchase","researcher_record":{"Component":"General advertising versus referral purchase","Status":"Unresolved boundary","Claims/postures/models":"M01, C021","Missing evidence or next action":"Binding interpretation or sufficiently specific authority concerning the actual media deliverable."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Flat-fee lead purchase","researcher_record":{"Component":"Flat-fee lead purchase","Status":"Answered on stipulated covered-provider facts","Claims/postures/models":"P03, M01","Missing evidence or next action":"Actual actor/materiality facts remain."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Percentage enrollment compensation","researcher_record":{"Component":"Percentage enrollment compensation","Status":"Answered on stipulated facts","Claims/postures/models":"P04, M02","Missing evidence or next action":"Same; no percentage safe harbor."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Warm transfer","researcher_record":{"Component":"Warm transfer","Status":"Answered conditionally","Claims/postures/models":"P05","Missing evidence or next action":"Script, call role and campaign facts."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Clerical enrollment assistance","researcher_record":{"Component":"Clerical enrollment assistance","Status":"Partial","Claims/postures/models":"C011,C028","Missing evidence or next action":"Actual duties and delegation/control evidence."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Personalized negotiation/accumulation service","researcher_record":{"Component":"Personalized negotiation/accumulation service","Status":"Answered textually","Claims/postures/models":"P06","Missing evidence or next action":"Actual representations and applicable provider authorization."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Misleading government/approval claims","researcher_record":{"Component":"Misleading government/approval claims","Status":"Answered","Claims/postures/models":"P07, C024","Missing evidence or next action":"No company status checked."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Remote Minnesota-domiciled debtor","researcher_record":{"Component":"Remote Minnesota-domiciled debtor","Status":"Answered textually","Claims/postures/models":"P08, C025","Missing evidence or next action":"Actual domicile and service facts."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Nonresident/incidental readership nexus","researcher_record":{"Component":"Nonresident/incidental readership nexus","Status":"Unresolved","Claims/postures/models":"C025","Missing evidence or next action":"Territorial/choice-of-law authority."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Business-only activity","researcher_record":{"Component":"Business-only activity","Status":"Partial","Claims/postures/models":"P09, C026","Missing evidence or next action":"Each service limb and actual purpose."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Mixed-purpose debts","researcher_record":{"Component":"Mixed-purpose debts","Status":"Unresolved application","Claims/postures/models":"P10","Missing evidence or next action":"Purpose evidence and responsive interpretation."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Noncustodial provider service","researcher_record":{"Component":"Noncustodial provider service","Status":"Answered textually","Claims/postures/models":"C004","Missing evidence or next action":"No custody prerequisite in every limb."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Exempt-recipient versus marketer","researcher_record":{"Component":"Exempt-recipient versus marketer","Status":"Answered boundary; actual qualification held","Claims/postures/models":"P11, C012–C013","Missing evidence or next action":"Recipient conditions and marketer’s independent conduct."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Employees and subcontractors","researcher_record":{"Component":"Employees and subcontractors","Status":"Partial","Claims/postures/models":"P12, C011,C016","Missing evidence or next action":"Entity/agency facts; individual-registration construction."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Provider-to-marketer payment","researcher_record":{"Component":"Provider-to-marketer payment","Status":"Answered textually","Claims/postures/models":"C014–C016","Missing evidence or next action":"Materiality and actual consideration."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Provider receives referral fee for other services","researcher_record":{"Component":"Provider receives referral fee for other services","Status":"Answered textually","Claims/postures/models":"C017","Missing evidence or next action":"Exact referred service/recipient."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Third party/creditor pays provider","researcher_record":{"Component":"Third party/creditor pays provider","Status":"Answered with exception limits","Claims/postures/models":"P14, C018–C019","Missing evidence or next action":"Payer purpose, nonprofit qualification, other fee restrictions."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Person pays on debtor’s behalf","researcher_record":{"Component":"Person pays on debtor’s behalf","Status":"Answered boundary","Claims/postures/models":"C018","Missing evidence or next action":"Actual agency/purpose and lawful underlying fee."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer pays intermediary","researcher_record":{"Component":"Consumer pays intermediary","Status":"Partial","Claims/postures/models":"C020, M03","Missing evidence or next action":"Actual service and whether charge is tied/disguised."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Genuine counseling/vendor services","researcher_record":{"Component":"Genuine counseling/vendor services","Status":"Partial","Claims/postures/models":"P13, M03","Missing evidence or next action":"Actual deliverable; no blanket exception."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Required lead disclosure","researcher_record":{"Component":"Required lead disclosure","Status":"Answered","Claims/postures/models":"C022","Missing evidence or next action":"Actual solicitation copy not reviewed."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Comparative, guarantee, nonprofit and secured-debt claims","researcher_record":{"Component":"Comparative, guarantee, nonprofit and secured-debt claims","Status":"Answered textually","Claims/postures/models":"C023–C024","Missing evidence or next action":"Actual claims and context."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Provider agreement/disclosure boundary","researcher_record":{"Component":"Provider agreement/disclosure boundary","Status":"Answered narrowly","Claims/postures/models":"C028","Missing evidence or next action":"Actual agreement and analysis records."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Lead enforcement hook","researcher_record":{"Component":"Lead enforcement hook","Status":"Answered narrowly","Claims/postures/models":"C029","Missing evidence or next action":"Full remedies/litigation deferred."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Federal seller/telemarketer/assistant roles","researcher_record":{"Component":"Federal seller/telemarketer/assistant roles","Status":"Answered conditionally","Claims/postures/models":"C030","Missing evidence or next action":"Actual campaign, actor and jurisdictional facts."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Inbound calls and upsells","researcher_record":{"Component":"Inbound calls and upsells","Status":"Answered textually","Claims/postures/models":"C031","Missing evidence or next action":"Actual solicitation source and transaction sequence."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Pure online activity","researcher_record":{"Component":"Pure online activity","Status":"Partial","Claims/postures/models":"C030,C033","Missing evidence or next action":"Connection, if any, to covered calls."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Federal misrepresentations/disclosures","researcher_record":{"Component":"Federal misrepresentations/disclosures","Status":"Answered narrowly","Claims/postures/models":"C032","Missing evidence or next action":"Actual representations."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Knowledge-based substantial assistance","researcher_record":{"Component":"Knowledge-based substantial assistance","Status":"Answered textually and with published precedent","Claims/postures/models":"P16, C033–C034","Missing evidence or next action":"Actual underlying violation, support and mental-state evidence."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Advance-fee relabeling","researcher_record":{"Component":"Advance-fee relabeling","Status":"Answered boundary","Claims/postures/models":"C035","Missing evidence or next action":"Fee-performance remains separate."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Administrator affiliation","researcher_record":{"Component":"Administrator affiliation","Status":"Answered conditionally","Claims/postures/models":"P15, M04","Missing evidence or next action":"Actual ownership/control/affiliation."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Administrator payments in both directions","researcher_record":{"Component":"Administrator payments in both directions","Status":"Answered textually","Claims/postures/models":"M04, C036","Missing evidence or next action":"Actual referral consideration."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"M01 gross/accepted/credit/refund reconciliation","researcher_record":{"Component":"M01 gross/accepted/credit/refund reconciliation","Status":"Completed","Claims/postures/models":"C040","Missing evidence or next action":"Legal advertising alternative remains held."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"M02 enrollment/percentage/refund reconciliation","researcher_record":{"Component":"M02 enrollment/percentage/refund reconciliation","Status":"Completed","Claims/postures/models":"C041","Missing evidence or next action":"No fee entitlement inferred."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"M03 consumer/provider receipts","researcher_record":{"Component":"M03 consumer/provider receipts","Status":"Completed conditionally","Claims/postures/models":"C042","Missing evidence or next action":"Independent-education assumptions are essential."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"M04 administrator/provider receipts","researcher_record":{"Component":"M04 administrator/provider receipts","Status":"Completed conditionally","Claims/postures/models":"C043","Missing evidence or next action":"No consumer account ledger analyzed."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"2007 enactment/effective date","researcher_record":{"Component":"2007 enactment/effective date","Status":"Answered","Claims/postures/models":"C002","Missing evidence or next action":"None for selected express clauses."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Selected 2009 enactments","researcher_record":{"Component":"Selected 2009 enactments","Status":"Read; date chain partial","Claims/postures/models":"S015–S016","Missing evidence or next action":"Complete general/specific effective-date reconciliation for historical application."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"2026 targeted changes","researcher_record":{"Component":"2026 targeted changes","Status":"Answered as index check","Claims/postures/models":"C001","Missing evidence or next action":"Complete later/special-session consolidation remains open."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Responsive Minnesota rules/adoption orders","researcher_record":{"Component":"Responsive Minnesota rules/adoption orders","Status":"Not located in bounded search","Claims/postures/models":"C039","Missing evidence or next action":"Further official rule/status/final-order research on exact boundary."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Minnesota controlling classification precedent","researcher_record":{"Component":"Minnesota controlling classification precedent","Status":"Not located and read","Claims/postures/models":"C039","Missing evidence or next action":"Responsive published majority opinion or binding final interpretation."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapman precedent and limits","researcher_record":{"Component":"Chapman precedent and limits","Status":"Answered","Claims/postures/models":"C034","Missing evidence or next action":"Comprehensive subsequent-history review not performed."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"P01 crosswalk","researcher_record":{"Component":"P01 crosswalk","Status":"Preserved below","Claims/postures/models":"C044","Missing evidence or next action":"No retroactive acceptance upgrade."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"P05 settlement earning","researcher_record":{"Component":"P05 settlement earning","Status":"Excluded; unreviewed answer not used","Claims/postures/models":"C044","Missing evidence or next action":"Separate review."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"P06 DMP fee/custody ledger","researcher_record":{"Component":"P06 DMP fee/custody ledger","Status":"Excluded; unreviewed answer not used","Claims/postures/models":"C044","Missing evidence or next action":"Separate review."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Registration checklist, provider status, 2026 transition","researcher_record":{"Component":"Registration checklist, provider status, 2026 transition","Status":"Deferred/preserved","Claims/postures/models":"C044","Missing evidence or next action":"P02–P04 holds unchanged."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"TCPA, calling hours and DNC","researcher_record":{"Component":"TCPA, calling hours and DNC","Status":"Individually deferred","Claims/postures/models":"C044","Missing evidence or next action":"Separate operative-law review."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Privacy, data sale and transmission","researcher_record":{"Component":"Privacy, data sale and transmission","Status":"Individually deferred","Claims/postures/models":"C044","Missing evidence or next action":"Actual data flow and governing law; no transmission authorized."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"General FTC Act/CROA/credit repair","researcher_record":{"Component":"General FTC Act/CROA/credit repair","Status":"Individually deferred","Claims/postures/models":"C027,C044","Missing evidence or next action":"Actual representations and separate statutes/rules."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney ethics and full tax/nonprofit dossiers","researcher_record":{"Component":"Attorney ethics and full tax/nonprofit dossiers","Status":"Deferred","Claims/postures/models":"C013,C027","Missing evidence or next action":"Actual professional/entity conditions and governing rules."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Full funds, bonds, fees and contracts","researcher_record":{"Component":"Full funds, bonds, fees and contracts","Status":"Deferred","Claims/postures/models":"C044","Missing evidence or next action":"Separate components."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Collection/litigation/limitations/wage/property","researcher_record":{"Component":"Collection/litigation/limitations/wage/property","Status":"Deferred","Claims/postures/models":"C044","Missing evidence or next action":"Separate parent-state work."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Local/territorial/tribal/sovereign issues","researcher_record":{"Component":"Local/territorial/tribal/sovereign issues","Status":"Unresolved/deferred","Claims/postures/models":"C025,C044","Missing evidence or next action":"Specific location, sovereignty and choice-of-law facts and authority."},"coordinator_acceptance":"scoped_review_complete_with_media_registration_currentness_holds;not_accepted","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_MN-P07-referral-media-registration-currentness-holds-20261027","status":"scoped_passes_reviewed_remaining_required_work","at":"2026-10-27T11:02:37.036174+00:00"}]}