{"meta":{"key":"s_mn--pass-08","task":"S_MN","title":"SMN Credit-repair representations, Minnesota CSOs, CROA, and the TSR","parent_title":"Minnesota debt and debt relief law","edition":"pass-08","path":"/research/s_mn--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":20,"claims":58,"sources":31,"review_status":"scoped_review_complete_creditrepair_cancellation_exemption_currentness_holds","review_complete":true,"sha256":"68d04b6761ca4760eb9dae5bcd1765bb86597b2be4132082d3ff0234c46b3b77","headings":["A. Principal conclusions","A1. Three regimes—not one interchangeable “debt relief” rule","A2. A material Minnesota amendment must be applied","A3. No Minnesota advance-fee trust exception was established","A4. Cancellation and contract defects require different analyses","B1. What Minnesota calls a CSO","B2. Exclusions must be tested separately","Minnesota exclusions","Federal CROA exclusions","C1. Registration is not fee authorization","C2. Consumer payment rules","C3. Required disclosure, contract, cancellation and refund evidence","The textual mismatch is preserved—not silently “fixed”","C4. Cancellation is not the same as defective-contract relief","D1. CROA performance is not the TSR’s six-month-results test","D2. Coverage, calls and exemptions","D3. No borrowing exceptions from neighboring provisions","D4. State-law interaction","Common conventions","M01 — Completed individualized advice without a covered telephone-sales campaign","Facts","M02 — State security does not validate an advance receipt; timely cancellation","Facts","M03 — Telemarketing credit repair: work completion and the report clock are separate","Facts","Premature-receipt branch included in the ledger","M04 — A separate earlier completed engagement and a defective later contract","Contract A","Contract B","Access failures and their disposition","Bounded interpretation search"],"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-08","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Reviewed P01 remaining CSO/credit-repair representations and necessary CROA/TSRcreditrepair interaction only","pending_corrections":0},"markdown":"# S_MN PASS-08 — Credit-repair representations, Minnesota CSOs, CROA, and the TSR\n\n**Research/access date:** October 27, 2026, America/Los_Angeles.\n**Component:** Minnesota credit-services-organization classification, payment restrictions, required agreements and cancellation rights, and the necessary federal credit-repair overlay.\n\n**Disposition:** The principal statutory requirements are established within the version limits below. **Minnesota registration or security does not authorize advance credit-repair fees.** When the TSR’s credit-repair provision applies, completed work alone is insufficient: its separate represented-timeframe and documented-results requirements must also be met.\n\nP01 and its source-access history remain unchanged. P02–P04 retain their separate scopes and holds. P05/P06 fee findings are not credit-repair permission. **P07’s unreviewed answer is not a premise for this pass.**\n\nThroughout, **S001** means **S_MN-P08-S001**. Claims **C001–C058** are specific to this pass.\n\n## A. Principal conclusions\n\n### A1. Three regimes—not one interchangeable “debt relief” rule\n\n| Regime | Relevant coverage | Principal payment restriction |\n| --- | --- | --- |\n| **Minnesota CSO law, §§332.52–332.60** | Paid credit-improvement, credit-obtaining, or related advice/assistance involving credit extended by others, unless an actual exclusion applies | No charge or receipt before full and complete performance of the agreed services |\n| **Federal CROA, 15 USC 1679a–1679j** | Use of interstate-commerce instrumentalities or the mails to sell paid services for the express or implied purpose of improving a consumer’s credit record/history/rating, including advice or assistance, subject to its own exclusions | No charge or receipt for an agreed service before that service is fully performed; compliant contract and waiting-period requirements also apply |\n| **TSR credit repair, 16 CFR 310.4(a)(2)** | A covered seller/telemarketer and telephone campaign offering the specified credit-repair representations, subject to applicable jurisdictional and transaction exemptions | No request or receipt until the represented timeframe has expired **and** the consumer has been provided the required report demonstrating promised results, issued **more than six months after those results were achieved** |\n\nThese are cumulative where their respective predicates are met. A debt-relief agreement or first creditor payment under §310.4(a)(5) does not replace §310.4(a)(2). [C010, C025, C037–C040.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.56)\n\n### A2. A material Minnesota amendment must be applied\n\n**Laws 2026, chapter 124, article 1, §58** replaces the old prorating-agency exclusion in §332.52(3)(b)(5) with an exclusion for a person registered as a **debt-management-services provider or debt-settlement-services provider**, acting within the course and scope of the applicable registration.\n\nThe amendment became effective **August 1, 2026, at 12:01 a.m.** The selected enacted section has no separate effective-date clause; the official House chapter record identifies August 1 unless otherwise noted, and §645.02 supplies the time of day. The act-level classification previously reviewed in P02 is preserved as dated context, not represented as a fresh complete-act read. [C002.] [MN Revisor+2](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0)\n\nThat state exclusion:\n\n- is limited to the actual registration’s scope;\n- does not establish that a separate credit-repair service falls within that scope;\n- does not establish a CROA exclusion; and\n- does not override other applicable prohibitions.\n\nA narrow, freshly read boundary is especially important: **§332B.10(7) prohibits a settlement provider from indicating that entering a settlement agreement or settling debts will have no effect on, or improve, the debtor’s credit, rating, or score.** The amended CSO exclusion cannot be treated as permission to make that claim. [C007, C044.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332B.10)\n\n### A3. No Minnesota advance-fee trust exception was established\n\nSection 332.55 requires a $10,000 annual surety bond and permits the commissioner to accept qualifying cash or securities instead. Its reference to securities eligible for trust-fund investment describes eligible security—not permission to collect customer fees into a trust account before performance.\n\nSection 332.56(2) addresses whether a salesperson, agent, or representative needs a separate bond when the organization complies with the performance-based payment rule. It does **not** reverse that rule or waive the organization’s security requirement. [C009–C012.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.55)\n\n### A4. Cancellation and contract defects require different analyses\n\nMinnesota’s contract provision uses **five days**; CROA’s operative cancellation provision uses **three business days**. Minnesota’s separate required rights statement also contains three-business-day wording. These texts cannot be collapsed into one invented deadline or silently rewritten.\n\nA timely ordinary Minnesota cancellation carries the specified ten-day payment-return term. A materially noncompliant CROA contract raises **voidness and unenforceability** under §1679f(c), plus possible statutory liability—not a universally identical ten-day refund procedure. [C014–C020, C027–C032.] [MN Revisor+3](https://www.revisor.mn.gov/statutes/cite/332.58)\n\n# B. Actor, representation, and coverage analysis\n\n## B1. What Minnesota calls a CSO\n\nSection 332.52 focuses on the actual paid activity, not the business’s chosen label. The relevant services are improving credit, obtaining an extension of credit, or advice/assistance concerning either, with respect to credit extended by others. The buyer is an individual; the defined extension of credit is primarily for personal, family, or household purposes. [C004–C005.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.52)\n\n| Activity or representation | Minnesota analysis | CROA analysis | Necessary limitation |\n| --- | --- | --- | --- |\n| Unpaid general reporting about credit law | The paid-service element is not established merely by publishing information | Consideration and a represented credit-improvement service must be established | No categorical publisher exemption was found; actual commercial arrangements matter |\n| Paid generic budgeting education, with no credit-improvement or credit-obtaining purpose or representation | Not automatically a CSO service | Not automatically a CROA service | A “course” or “education” label is not decisive |\n| Paid individualized plan intended to improve a consumer’s score or credit history | Falls within the relevant improvement/advice language if the other predicates apply | Express or implied improvement advice can qualify | Coverage does not require a promised deletion of an existing entry |\n| Paid assistance obtaining consumer credit | Express Minnesota category | CROA coverage requires the separate improvement/advice predicates | Minnesota CSO coverage can be broader than CROA in this respect |\n| Paid dispute-letter assistance marketed as improving credit | Relevant CSO activity | Relevant CROA activity | FCRA dispute merits, authority and evidence must be separately valid |\n| Cash-flow counseling without credit-improvement representations | Do not infer credit repair from a possible incidental benefit alone | Same distinction | The entire offer, website, script and service must be examined |\n| Settlement plus promises to repair credit | The amended registration exclusion requires a scope analysis; §332B.10(7) remains relevant | CROA has no general “settlement provider” exclusion | Ordinary settlement fee permission cannot be imported |\n| Contract says “not credit repair,” while advertising promises improved credit | Disclaimer is evidence, not conclusive classification | Published First Circuit authority rejects using such a disclaimer to defeat contrary actual representations | No actual advertisement or contract is approved here |\n| Provider sells advice through a website, without a covered telephone campaign | State and CROA can still apply | Internet use can satisfy interstate-instrumentality facts in the stipulated models | TSR coverage is not established by website existence alone |\n\nSources: S001, S010, S016, S027, S029; C004–C007, C021, C043–C044. [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.52)\n\n## B2. Exclusions must be tested separately\n\n### Minnesota exclusions\n\nThe current §332.52(3)(b), read with the 2026 amendment, contains the following categories. The qualifications are part of the exclusion, not optional details.\n\n| State category | Necessary statutory qualification |\n| --- | --- |\n| Authorized lender | Authorized under state or federal law and subject to the specified regulation/supervision, or the stated HUD-approved mortgage-lender category |\n| Bank, savings bank, or savings and loan institution; specified subsidiary | Deposits/accounts eligible for the stated FDIC insurance condition |\n| Credit union | The listed credit-union categories, including an out-of-state credit union doing business in Minnesota |\n| Nonprofit | Exempt under §501(c)(3), with the state statute’s express December 31, 1990 incorporation language preserved |\n| DMP or settlement provider | Actual registration and conduct within its course and scope, under the 2026 amendment |\n| Real-estate broker | Minnesota license and conduct within its course and scope |\n| Collection agency | Minnesota license and conduct within its course and scope |\n| Attorney | Minnesota practice license and services within the course and scope of attorney practice |\n| Securities/commodities broker-dealer | Specified registration and conduct within its scope |\n| Consumer reporting agency | The incorporated FCRA definition, with the statute’s stated historical incorporation date |\n\nSection 332.53 assigns the burden of proving an exemption or definitional exception to the person claiming it. No actual actor’s qualification was established. [C006–C008.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.52)\n\n### Federal CROA exclusions\n\n| Federal category | Exact boundary relevant here | What does not establish it |\n| --- | --- | --- |\n| Nonprofit exempt under §501(c)(3) | Both actual nonprofit operation and the specified tax-exempt status matter under the published *Zimmerman* construction | A generic nonprofit label, state nonprofit formation, or IRS recognition alone under that decision |\n| Creditor | A creditor as defined by §1602, **to the extent** it assists restructuring debt the consumer owes that creditor | Negotiating unrelated creditors’ debts or merely calling a service firm a creditor |\n| Depository institution | Actual §1813 status; the definition distinguishes a depository institution from an insured depository institution | Holding customer money at an insured bank |\n| Federal or state credit union | Actual §1752 status | Using a credit union’s payment account |\n| Affiliate or subsidiary of a qualifying depository institution or credit union | The statutory relationship must actually exist | A referral, vendor, sponsorship or bank-processing relationship |\n| Attorney | No general attorney exclusion appears in the operative CROA definition read | Minnesota’s attorney exclusion does not supply a federal one |\n| DMP, settlement, publisher or educational label | No corresponding general exclusion appears in the operative definition | Registration, a disclaimer or a business-category description |\n\nThe creditor cross-reference was checked: §1602(f) defines credit, while §1602(g) contains the creditor definition and qualifications. CROA’s older reference to §1602(e) is accompanied by an editorial redesignation note. The depository and credit-union definitions were also opened, rather than inferred from the CROA cross-reference alone. [C022–C024.] [U.S. Code+4](https://uscode.house.gov/us/usc/119-120/t15/s1679a/)\n\n**TSR jurisdiction remains a third inquiry.** A state exclusion does not establish a federal exemption, and a CROA exclusion does not establish that every seller or third-party telemarketer involved is outside the TSR.\n\n# C. Minnesota registration, security, payments, and contracts\n\n## C1. Registration is not fee authorization\n\nSection 332.54 requires registration for the specified offering, advertising and contract activity in Minnesota. It requires registration information, a contract copy and security evidence; registrations expire June 30. The displayed government charge is **$1,000 for issuance or renewal, per location**. These are provider-government requirements, not authorized consumer-fee amounts. [C008.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.54)\n\nSection 332.55 separately specifies a **$10,000 annual bond**, also expiring June 30, or commissioner-accepted substitute security. The full operational treatment of §58A.04’s registration cross-reference, current forms, actual registration and full security controls remains deferred. [C009.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.55)\n\n## C2. Consumer payment rules\n\n| Event | State rule or consequence | Distinction |\n| --- | --- | --- |\n| Provider or covered salesperson/agent/representative/independent seller demands or receives payment before agreed services are fully and completely performed | Prohibited by §332.56(1)(1) | A signed invoice, bank receipt or refundable label is not performance |\n| Separate “analysis,” “setup,” or “subscription” charge | Requires examination of the actual agreed service package and representations | No general per-letter, per-month or setup-fee safe harbor was established |\n| Consumer pays into an asserted trust account before performance | No applicable advance-fee exception was found in these provisions | The bond’s substitute-security mechanism is not such an exception |\n| Organization maintains required bond/security | Satisfies a different condition if all requirements are met | Does not accelerate the fee date |\n| Fee for merely referring a buyer to publicly available retail credit on substantially the same terms | Separately prohibited by §332.56(1)(2) | Not a general credit-broker fee approval |\n| Fee amount after lawful performance | No general numeric consumer-fee ceiling or inflation formula was found in §§332.52–.60 | Absence of a numeric cap is not approval of any amount or practice |\n\nThe state also prohibits the specified false credit statements and deceptive representations or practices. [C010–C013.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.56)\n\n## C3. Required disclosure, contract, cancellation and refund evidence\n\n| Stage | Minnesota requirement | CROA requirement | Evidence needed in a modeled transaction |\n| --- | --- | --- | --- |\n| Before commitment/payment | Required written statement before contract **or payment**, whichever occurs first | Prescribed statement before contract | Versioned statement and actual delivery evidence |\n| Statement format | Specified statement in boldface, at least ten-point type; personally signed receipt acknowledgment retained two years | Separate document from contract/other material; signed acknowledgment retained two years | The actual separate documents, not a generic acknowledgment |\n| Contract | Written, dated and buyer-signed | Written, dated, consumer-signed, compliant with §1679d | Signed contract and execution/delivery dates |\n| Price | All payments to the organization **or others** | Same broad payment disclosure | Total charges, recipients and conditions |\n| Services | Full detailed description, guarantees/refund promises and estimated completion | Detailed services, guarantees and completion date or duration estimate | Complete promise inventory, including advertising promises |\n| Identity | Principal address and Minnesota process agent | Organization name and principal business address | Actual legal actor and address |\n| Additional Minnesota field | Prior-calendar-year or shorter operating-period percentage of customers for whom agreed services were fully completed | No matching field in the relied-on federal contract section | Substantiated percentage and period |\n| Waiting to begin work | No separate universal service-start wait was established in §§332.52–.60 | No services before the end of §1679d(a)(2)’s three-business-day period | Start date, not merely billing date |\n| Cancellation notice | Duplicate, attached, easily detachable, bold, same language as contract | Duplicate bold notice with specified content | Completed notices and supplied copies |\n| Copies | At signing | At signing, including other required signed documents | Delivery record |\n| Ordinary cancellation | State contract text uses five days; notice promises all payments returned within ten days after seller receipt | Operative cancellation provision uses three business days without penalty or obligation | Actual notice, receipt, applicable computation and return record |\n\nAuthorities: §§332.57–.58; 15 USC 1679c–1679e. [C014–C018, C026–C029.] [MN Revisor+4](https://www.revisor.mn.gov/statutes/cite/332.57)\n\n### The textual mismatch is preserved—not silently “fixed”\n\nThree points require explicit qualification:\n\n1. Minnesota’s §332.57 prescribed rights statement now refers to **three business days**, while §332.58 retains **five-day** cancellation language.\n2. The federal operative cancellation provision and signature disclosure use **three business days**, but the prescribed §1679e(b) notice itself says “3rd day.”\n3. Minnesota’s older §332.58 signature statement refers to a **30-day** adverse-action report period, while §332.57’s amended statement and the federal prescribed statement refer to **60 days**.\n\nThe 2020 enacted amendment to §332.57 was read. It did not, in the selected amendment, rewrite §332.58. These discrepancies are not a basis to shorten the separate state cancellation right or to invent a compliant combined form. No responsive controlling interpretation resolving form harmonization was located. [C015, C029.] [MN Revisor+2](https://www.revisor.mn.gov/laws/2020/0/80/)\n\nThe mandatory statutory credit-file narratives are reported as **required text**, not as a complete current FCRA explanation. FCRA reporting exceptions, investigation rights and permissible-purpose details remain separate.\n\n## C4. Cancellation is not the same as defective-contract relief\n\n| Situation | Supported result | What remains separate |\n| --- | --- | --- |\n| Timely ordinary Minnesota cancellation | The prescribed notice provides return of payments within ten days after receipt of cancellation | Exact deadline computation, disputed receipt and actual transactions |\n| CROA timely cancellation | No penalty or obligation within the operative cancellation period | CROA §1679e does not itself supply Minnesota’s ten-day return wording |\n| Waiver of statutory protection | Minnesota waiver provisions and CROA nonwaiver provisions apply | A signed waiver does not cure prohibited conduct |\n| CROA contract fails applicable requirements | §1679f(c) makes it void and unenforceable | Precise defect, remedy and adjudicated recovery |\n| Minnesota damages action | §332.60 conditions the action on damages from a violation; recovery has the stated amount-paid floor, costs/fees and possible punitive component | Not every asserted defect automatically establishes every remedy |\n| CROA liability | §1679g specifies the greater-of actual damage/amount-paid measure, possible punitive damages and successful-action fees/costs | No automatic double recovery under overlapping statutes |\n| Minnesota enforcement | §332.59 provides misdemeanor and civil/enforcement cross-references | Full §8.31, §45.027 and §325F.69 analysis was not undertaken |\n\n[C019–C020, C030–C032.] [MN Revisor+4](https://www.revisor.mn.gov/statutes/cite/332.53)\n\n# D. Federal payment sequencing and state interaction\n\n## D1. CROA performance is not the TSR’s six-month-results test\n\nCROA prohibits charging or receiving payment for an agreed service before it is fully performed. Minnesota’s wording addresses full and complete performance of the services agreed for the buyer. Neither provision gives a general permission to split one unfinished promised program into separately invoiceable fragments.\n\nA genuinely completed, separately defined advice engagement is different from an installment of an ongoing credit-improvement promise. **This report does not establish a universal pay-per-deletion, monthly subscription or cancellation-earned-fee formula.** [C010, C025, C047.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.56)\n\nFor a covered TSR credit-repair transaction, there are two additional predicates:\n\nPlain text\n```\nT1: The timeframe represented for all goods/services has expired.\n\nT2: The seller has provided the consumer a qualifying CRA consumer report:\n    • demonstrating that the promised results were achieved; and\n    • issued more than six months after those results were achieved.\n```\n\nBoth must be met before requesting or receiving payment. The time runs from the **achieved results**, not automatically from enrollment, signing, the first letter, completion of work, or a creditor payment. A report issued too early does not become qualifying merely because it is delivered later. [C037–C039.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe Commission’s 2003 final-rule explanation retained the credit-repair restriction and discussed its two-part structure. Current FTC staff guidance also explains the rule; the operative current regulation remains the primary authority. The guide’s broader historical statements were not adopted wholesale. [Federal Register+1](https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule)\n\n## D2. Coverage, calls and exemptions\n\n| Facts | Necessary federal result |\n| --- | --- |\n| Paid improvement advice sold through an interstate website, no covered sales calls | CROA can apply; TSR coverage is not established by the website alone |\n| Outbound campaign involving more than one interstate call | Test seller/telemarketer, service and jurisdictional predicates |\n| Consumer calls in response to credit-repair advertising | Credit-repair services are carved out of the ordinary advertising-response exemption |\n| Consumer responds to targeted mail/email credit-repair solicitation | The corresponding direct-mail exemption also contains a relevant carve-out |\n| Truly unsolicited consumer call | Separate exemption conditions apply; upselling must be considered |\n| Qualifying face-to-face presentation before sale/payment authorization | §310.6(b)(3)’s partial exemption may matter |\n| Nonprofit or financial-institution claim | Actual federal jurisdiction and actor status must be established; a third-party seller/telemarketer does not automatically inherit another entity’s status |\n| Pure business-purpose transaction | Minnesota’s consumer-purpose definition and federal provisions must be applied separately; no universal business exemption is supplied here |\n\nA qualifying face-to-face TSR exemption does not itself remove CROA or Minnesota obligations. The actual sequencing, not a promised later meeting, matters. [C035–C036.] [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nCovered telemarketing also requires the relevant cost, restriction and refund disclosures and forbids material misrepresentations about performance, refund terms or affiliation. This pass does not review calling hours, DNC or a complete calling-compliance program. [C041.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3)\n\n## D3. No borrowing exceptions from neighboring provisions\n\nThe licensed-attorney exception printed in **§310.4(a)(3)** concerns the neighboring recovery-services provision. It is not an attorney exception to credit repair under **(a)(2)**.\n\nLikewise, **§310.4(a)(5)(ii)** describes a conditional debt-relief account arrangement in relation to **(a)(5)(i)**. It does not say that a credit-repair seller may evade (a)(2), CROA, or Minnesota’s performance restriction by putting advance fees in an insured account. [C040.] [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## D4. State-law interaction\n\nCROA’s §1679j preserves state law except to the extent of inconsistency. It does not say that a state license, exclusion or bond supplies a federal exemption.\n\nThe analysis here treats the state and federal performance requirements as independently applicable when their predicates fit. A longer state cancellation protection is not treated as automatically displaced by the federal three-business-day protection. **Exact combined-form wording and deadline computation remain held**, rather than being decided solely from that general preemption provision. [C033.] [U.S. Code](https://uscode.house.gov/us/usc/119-120/t15/s1679j/)\n\n# E. Published decisions actually read\n\n| Decision and posture | Holding used | Citation and limits |\n| --- | --- | --- |\n| **Zimmerman v. Cambridge Credit Counseling Corp., 409 F.3d 473 (1st Cir. 2005)**; appeal from dismissal; judgment vacated and remanded | CROA’s nonprofit exclusion requires actual nonprofit operation and §501(c)(3) status. The complaint’s allegations were sufficient to proceed; the opinion did not establish those allegations as final facts. | Merits opinion May 31, 2005; rehearing notation July 20. Published opinion body read through a republication after the attempted official route failed. Persuasive, not controlling First Circuit authority in Minnesota. |\n| **Zimmerman v. Puccio, 613 F.3d 60 (1st Cir. 2010)**; appeal from summary judgment | Credit-improvement advice is not limited to backward-looking deletion. The actual representations supported CROA coverage despite contrary contractual language. The court affirmed the misleading-representation liability addressed in its opinion. | July 27, 2010; official 36-page opinion read, particularly slip pp. 23–28 and disposition. It did not decide all alternative theories. No underlying district-court opinion quoted there is represented as freshly opened. |\n| **CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012)**; Supreme Court reversal | CROA does not categorically preclude enforcement of an arbitration agreement under the FAA. Statutory substantive protections and a chosen arbitral forum are not the same question. | January 10, 2012; majority body at pp. 97–104 read in official U.S. Reports. The Court did not decide that the defendants were CROs; it assumed that predicate for the question presented. No conclusion that every arbitration clause is enforceable. |\n\nSources S026–S028. Relevant PDF pages were visually inspected. No dissent, syllabus, party argument or unpublished opinion is substituted for the majority holdings. No complete subsequent-history or citator certification was performed. [C023, C034, C043.] [Justia Law+2](https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/)\n\nNo responsive published Minnesota majority decision or binding administrative interpretation was located and read resolving the state disclosure-form inconsistency, a CSO advance-fee security exception, or a universal partial-service billing rule. That is a bounded search result—not proof that no such authority exists. [C046.]\n\n# F. Version and effective-status matrix\n\n| Material | Status actually established | Limit |\n| --- | --- | --- |\n| Minnesota §§332.52–.60 | Retrieved 2025 statutory displays; §332.52 has an express 2026 amendment warning | Not a fully consolidated 2026 code |\n| 2026 chapter 124, article 1, §58 | Enacted scope-limited DMP/settlement-provider exclusion; effective August 1, 2026, 12:01 a.m. | No actual provider’s scope or registration established |\n| 2026 Table 2 | Targeted regular-session entries inspected | No complete later/special-session certificate |\n| 1991 chapter 314 | Original CSO enactment, relevant original contract/remedy text and June 3, 1991 signature inspected | Original general effective-date chain not fully reconstructed |\n| 2020 chapter 80, article 1, §§24–26 | Registration-update and prescribed-disclosure amendments read | No exact effective date asserted without complete act-level analysis; the day-following clause at the end of **Article 2** is not automatically applied to Article 1 |\n| Current CROA text | Official OLRC §§1679a–h and j retrieved, labeled through Public Law 119-120, **October 7, 2026** | No claim of verification of every enactment after October 7 |\n| CROA §1679i | Complete 2024 official body read; attempted updated route returned 403 | Limitations calculation remains deferred |\n| CROA original applicability | Official notes provide the six-month-period applicability rule following September 30, 1996, with the stated earlier-contract exception | All models are 2026; no old contract adjudicated |\n| Current eCFR | Relevant Title 16 bodies displayed current through **October 23, 2026** | Title-level amendment metadata is not attributed to every section |\n| 2003 TSR final rule | Relevant retained credit-repair explanation and operative text read; rule effective March 31, 2003 | Historical surrounding numbering is not used as current numbering |\n| **S.4144, 119th Congress, introduced version** | Official bill shows introduction/referral on March 19, 2026; proposed CROA changes inspected | **Not enacted authority.** Its proposed 180-day formulation, attorney provisions and state-license language are not adopted. Congress.gov’s full current status route was inaccessible |\n\n[C001–C003, C038, C045.] [MN Revisor+6](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0)\n\n# G. Sixteen new fictional postures\n\n| Posture | Fictional facts | Decision or unresolved condition |\n| --- | --- | --- |\n| **P01 — Unpaid reporting** | A free article describes consumer rights and offers no paid improvement service | Paid-service coverage is not established by that fact alone; no publisher safe harbor declared |\n| **P02 — Paid general education** | A $25 budgeting course makes no credit-improvement or credit-obtaining claim | Actual purpose and sales impression matter; education label alone is not dispositive |\n| **P03 — Individualized score advice** | A $240 service reviews a consumer’s circumstances and supplies a plan intended to improve credit | Relevant CSO/CROA advice predicates are present, subject to exclusions and nexus |\n| **P04 — Cash-flow-only work** | A service promises only expense organization | Incidental possible credit benefits do not automatically establish a repair representation |\n| **P05 — Dispute help plus settlement** | One package promises debt negotiation and removal of adverse report entries | Test both actual services; ordinary debt-relief payment predicates do not replace credit-repair requirements |\n| **P06 — Contradictory disclaimer** | Contract says “not credit repair”; website promises a higher score | Actual representations remain material; disclaimer is not conclusive |\n| **P07 — Minnesota attorney** | Licensed attorney supplies genuine legal services within practice scope | State exclusion may apply; no blanket CROA attorney exclusion is established |\n| **P08 — Generic nonprofit** | State nonprofit corporation has no established §501(c)(3) status | Neither the state nor CROA exclusion is established merely by that label |\n| **P09 — Real §501(c)(3) organization** | Qualifying status and actual nonprofit operation are stipulated | CROA exclusion may apply; actual TSR and state predicates still require their own analysis |\n| **P10 — Own creditor restructuring** | A qualifying creditor restructures debt owed to itself | CROA creditor exclusion is limited to that activity; unrelated-debt advice is not automatically excluded |\n| **P11 — Bank-account vendor** | A repair company holds funds at an insured bank | That does not make the company a depository institution or create advance-fee permission |\n| **P12 — Bonded CSO** | Registered organization posts required security and bills before doing the work | Security does not satisfy the performance restriction |\n| **P13 — Inbound ad/upsell** | Consumer calls a credit-repair advertisement, or is upsold repair during another call | Test the current credit-repair carve-outs and upsell provisions; inbound is not automatically exempt |\n| **P14 — Face-to-face** | No sale or payment authorization occurs until after a genuine qualifying presentation | TSR partial exemption may apply; CROA/state duties do not disappear |\n| **P15 — Incomplete promise or early report** | Letters are sent, promised correction is unfinished, or report predates the required interval | Work, results, represented timeframe and report date are different facts |\n| **P16 — Cancellation, waiver and arbitration** | Buyer cancels promptly; alternatively contract omits required terms or demands a statutory waiver | Apply ordinary cancellation or defect/nonwaiver rules as appropriate; arbitration alone is not categorically a forbidden waiver |\n\nAuthorities and qualifications: C004–C044. These are hypothetical applications of the cited bodies, not actual consumer or provider determinations.\n\n# H. Four conditional fee, cash, refund, and timeline models\n\n## Common conventions\n\nAll amounts are fictional USD. They are **contract prices, not statutory caps**. No model assumes a guaranteed score increase, a right to delete accurate information, or invalidity of a creditor debt.\n\nThe required reconciliation is an **allocation of customer receipts**:\n\nPlain text\n```\nOpening unapplied customer cash\n+ receipts\n− amounts lawfully transferred/applied as provider fees\n− refunds\n− actual creditor transfers\n= closing unapplied customer cash.\n```\n\nA fee application does not mean money physically disappears from the provider’s bank account. It moves from unapplied customer receipts into the modeled provider-fee category. This notation does not assert a statutory CSO trust-account requirement.\n\nAll selected amounts calculate exactly to cents. No statutory rounding rule or real consumer deadline is inferred.\n\n## M01 — Completed individualized advice without a covered telephone-sales campaign\n\n### Facts\n\n- Consumer debts: A **$3,500**; B **$4,500**.\n- October 1, 2026: separate required disclosures delivered before a compliant contract is executed; completed contract and notices delivered that day.\n- Price: **$240** for a report review, written individualized credit-improvement advice plan and final written follow-up.\n- No promised score result, deletion guarantee, future monitoring, or remaining service.\n- Sales occur through a website and email; no covered telephone-sales campaign is stipulated.\n- Work begins October 12, deliberately after both cancellation/waiting intervals without calculating their boundary.\n- All promised services are completed October 20.\n- Consumer pays $100 on October 21 and $140 on October 23.\n- No cancellation notice is received.\n\nThis is a single completed engagement—not a monthly segment of an unfinished program.\n\n| Event | Receipts | Lawful fee application assumed | Refunds | Creditor transfers | Closing unapplied cash |\n| --- | --- | --- | --- | --- | --- |\n| Opening | — | — | — | — | $0.00 |\n| October 21 | $100.00 | $100.00 | $0.00 | $0.00 | $0.00 |\n| October 23 | $140.00 | $140.00 | $0.00 | $0.00 | $0.00 |\n\nPlain text\n```\n$0 + $240 − $240 − $0 − $0 = $0.\n```\n\n**Conditional result:** The full-performance payment condition can be met on the stipulated facts. No TSR credit-repair permission is claimed; its telephone predicate is not established in this model.\n\n**Adverse branch:** If the actual offer also promised a specified score improvement, continuing monitoring, or a later report correction, October 20 completion of the listed documents would not necessarily complete the actual promise.\n\nCreditor balances remain **$8,000 total**, assuming no separately modeled interest, payments or charges. The $240 service payment does not reduce either debt. [C048.]\n\n## M02 — State security does not validate an advance receipt; timely cancellation\n\n### Facts\n\n- The organization’s own **$10,000** security is assumed accepted under §332.55. It is not customer money and is outside this ledger.\n- Consumer debts: A **$6,000**; B **$10,000**.\n- October 5: required disclosure and contract copies are supplied; the contract promises a $600 service package.\n- The organization nevertheless receives **$600 that day before performance**.\n- October 6: seller receives the consumer’s signed written cancellation.\n- October 8: seller returns the entire $600.\n- No services or creditor transfers occurred.\n\nThe next-day cancellation avoids a boundary-day counting dispute.\n\n| Event | Receipts | Lawful fee application | Refunds | Creditor transfers | Closing unapplied cash |\n| --- | --- | --- | --- | --- | --- |\n| October 5 premature receipt | $600.00 | $0.00 | $0.00 | $0.00 | $600.00 |\n| October 8 return | $0.00 | $0.00 | $600.00 | $0.00 | $0.00 |\n\nPlain text\n```\n$0 + $600 − $0 − $600 − $0 = $0.\n```\n\n**Result:** The receipt was not made lawful by the security. The assumed timely cancellation requires return of the payment under the Minnesota notice terms; the October 8 refund is within that period. Returning the money does not erase the earlier prohibited receipt or decide additional remedies.\n\nNo $1,000 registration charge or security expense is deducted from the consumer’s refund. Creditor debt remains **$16,000**, under the no-accrual assumption. [C049.]\n\n## M03 — Telemarketing credit repair: work completion and the report clock are separate\n\n### Facts\n\nAssume a nonexempt for-profit seller, a covered interstate telephone campaign, Minnesota CSO coverage, CROA coverage, valid disclosures/contract, and no applicable transaction exemption.\n\n- January 5, 2026: contract signed and all required copies delivered.\n- January 20: services begin, well after the relevant waiting period.\n- Price: **$600**.\n- Promise: lawfully obtain correction of a specifically identified duplicate reporting error and complete the specified follow-up work by **March 31**.\n- Promised reporting result achieved: **February 15**.\n- All provider work completed: **March 20**.\n- The represented service timeframe expires: **March 31**.\n- An early report issued March 31 does not meet the later-report condition.\n- A report merely on the six-month anniversary is not treated as satisfying “more than six months.”\n- Qualifying CRA report issued **August 20**, demonstrating the promised result.\n- Seller provides it to the consumer **August 21**.\n- Fee request: **August 22**; payment: **August 24**.\n- Permissible purpose and authentic evidence are stipulated, not obtained from a real consumer.\n\n### Premature-receipt branch included in the ledger\n\nThe seller improperly received $150 on February 16 and returned it February 18. It was never treated as a previously earned installment.\n\n| Event | Receipts | Lawful fee application | Refunds | Creditor transfers | Closing unapplied cash |\n| --- | --- | --- | --- | --- | --- |\n| February 16 premature receipt | $150.00 | $0.00 | $0.00 | $0.00 | $150.00 |\n| February 18 refund | $0.00 | $0.00 | $150.00 | $0.00 | $0.00 |\n| August 24, after all modeled predicates | $600.00 | $600.00 | $0.00 | $0.00 | $0.00 |\n\nPlain text\n```\nGross receipts: $150 + $600 = $750.\nRefunds: $150.\nConditionally lawful fee: $600.\n\n$0 + $750 − $600 − $150 − $0 = $0.\n```\n\nThe August fee is not “$600 less an earned $150.” The earlier $150 was returned and never earned under the model.\n\n**Adverse alternatives:** No payment request is supported if the August report fails to demonstrate the promised result, the result was not actually achieved, another promised service remains unfinished, or a longer represented timeframe has not expired. The model does not convert six months into a universal 180-day rule.\n\nThe actual creditor obligation is stipulated at **$6,000**, unchanged. Correcting a duplicate report entry does not itself pay or extinguish that obligation. [C050.]\n\n## M04 — A separate earlier completed engagement and a defective later contract\n\n### Contract A\n\n- July 1: compliant documents signed and delivered.\n- July 15: work begins.\n- July 20: all genuinely separate promised advice services complete.\n- July 21: consumer pays **$180**.\n- No covered telephone-sales campaign is stipulated.\n\n### Contract B\n\n- October 1: a new $420 engagement is signed, but the contract omits mandatory cancellation documents and the required completion estimate.\n- October 12–20: work is performed.\n- October 21: provider receives **$420**.\n- October 22: consumer raises the defects.\n- October 23: provider returns **$420** under the stipulated resolution.\n\nThis is not presented as ordinary cancellation within the initial window, nor as a universal ten-day statutory refund deadline for every contract defect.\n\n| Component | Receipts | Fee application | Refund | Creditor transfer | Unapplied balance |\n| --- | --- | --- | --- | --- | --- |\n| Contract A | $180.00 | $180.00, conditionally supported | $0.00 | $0.00 | $0.00 |\n| Contract B | $420.00 | $0.00 | $420.00 | $0.00 | $0.00 |\n| **Total** | **$600.00** | **$180.00** | **$420.00** | **$0.00** | **$0.00** |\n\nPlain text\n```\n$0 + $600 − $180 − $420 − $0 = $0.\n```\n\nCompletion of B’s work does not make its noncompliant contract enforceable under §1679f(c).\n\nThe earlier $180 is identified separately because A is stipulated to be a genuinely independent, completed, compliant engagement—not an artificially separated installment. **This ledger is not a final damages adjudication.** Whether a particular remedy could reach additional amounts, whether the engagements were actually integrated, and whether other violations affect A remain open.\n\nThe consumer’s stipulated **$8,000 creditor balance** remains unchanged. No provider receipt or refund is counted as a creditor payment. [C051.]\n\n# I. Source register\n\n**All fresh accesses occurred October 27, 2026.** No individual source-fetch timestamp is asserted. Multiple sections of the same enactment or Code are not treated as independent corroboration.\n\n| Source ID | Issuer and complete HTTPS URL | Actual read scope, version/effect, and limitation |\n| --- | --- | --- |\n| **S_MN-P08-S001** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.52](https://www.revisor.mn.gov/statutes/cite/332.52?utm_source=chatgpt.com) | Fresh complete definitions and warning/history; especially subds. 2–4. Displayed 2025, with 2026 §58 overlay required. |\n| **S_MN-P08-S002** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.53](https://www.revisor.mn.gov/statutes/cite/332.53?utm_source=chatgpt.com) | Fresh complete waiver/exemption-burden body. |\n| **S_MN-P08-S003** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.54](https://www.revisor.mn.gov/statutes/cite/332.54?utm_source=chatgpt.com) | Fresh registration subdivisions; relied on subds. 1–7. Subd. 8’s §58A.04 cross-reference observed but not fully analyzed. |\n| **S_MN-P08-S004** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.55](https://www.revisor.mn.gov/statutes/cite/332.55?utm_source=chatgpt.com) | Fresh complete bond/security paragraph and history. No advance-fee trust exception. |\n| **S_MN-P08-S005** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.56](https://www.revisor.mn.gov/statutes/cite/332.56?utm_source=chatgpt.com) | Fresh complete subds. 1–2. Actor list, full performance, referral-only charge, deception and salesperson-bond provision. |\n| **S_MN-P08-S006** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.57](https://www.revisor.mn.gov/statutes/cite/332.57?utm_source=chatgpt.com) | Fresh complete subds. 1–2 and prescribed statement. Format, delivery and acknowledgment requirements. |\n| **S_MN-P08-S007** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.58](https://www.revisor.mn.gov/statutes/cite/332.58?utm_source=chatgpt.com) | Fresh complete subds. 1–3, including all contract fields and cancellation wording. |\n| **S_MN-P08-S008** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.59](https://www.revisor.mn.gov/statutes/cite/332.59?utm_source=chatgpt.com) | Fresh complete operative paragraph. Enforcement cross-references identified, not separately developed. |\n| **S_MN-P08-S009** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332.60](https://www.revisor.mn.gov/statutes/cite/332.60?utm_source=chatgpt.com) | Fresh complete damages/remedies paragraph. |\n| **S_MN-P08-S010** | Minnesota Legislature/Revisor: [https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0?utm_source=chatgpt.com) | Fresh complete article 1 §58 and adjacent section boundary, parsed lines 1587–1616. One enacted document; no full-act fresh-read claim. |\n| **S_MN-P08-S011** | Minnesota House Public Information: [https://www.house.mn.gov/NewLaws/story/2026/5756](https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com) | Fresh official chapter effective-date summary, especially line 240. Official secondary record, not enacted wording. |\n| **S_MN-P08-S012** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/645.02](https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com) | Fresh complete operative default-date and 12:01 a.m. provisions. |\n| **S_MN-P08-S013** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026](https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com) | Fresh targeted regular-session index entries around §332.52 and Chapters 332A/332B. Not a later-session completeness certificate. |\n| **S_MN-P08-S014** | Minnesota Legislature/Revisor: [https://www.revisor.mn.gov/laws/1991/0/314/](https://www.revisor.mn.gov/laws/1991/0/314/?utm_source=chatgpt.com) | Fresh selected original CSO sections, especially §§4–9 and signature. Original date chain not fully reconstructed. |\n| **S_MN-P08-S015** | Minnesota Legislature/Revisor: [https://www.revisor.mn.gov/laws/2020/0/80/](https://www.revisor.mn.gov/laws/2020/0/80/?utm_source=chatgpt.com) | Fresh article 1 §§24–26; article boundary and separate article 2 effective clause inspected. No misplaced application of article 2’s date clause. |\n| **S_MN-P08-S016** | OLRC, current CROA: [https://uscode.house.gov/us/usc/119-120/t15/s1679a/](https://uscode.house.gov/us/usc/119-120/t15/s1679a/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679b/](https://uscode.house.gov/us/usc/119-120/t15/s1679b/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679c/](https://uscode.house.gov/us/usc/119-120/t15/s1679c/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679d/](https://uscode.house.gov/us/usc/119-120/t15/s1679d/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679e/](https://uscode.house.gov/us/usc/119-120/t15/s1679e/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679f/](https://uscode.house.gov/us/usc/119-120/t15/s1679f/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679g/](https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679h/](https://uscode.house.gov/us/usc/119-120/t15/s1679h/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1679j/](https://uscode.house.gov/us/usc/119-120/t15/s1679j/?utm_source=chatgpt.com) | Fresh operative bodies and relevant notes; current through PL119-120, October 7, 2026. One codified statutory subchapter accessed through section pages. Enforcement read only as necessary; no full remedies dossier. |\n| **S_MN-P08-S017** | GPO, official 2024 CROA compilation: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com) ; PDF: [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf?utm_source=chatgpt.com) | Fresh complete operative §§1679a–j initially read; relevant PDF pages visually inspected. Later reconciled with S016. §1679i remains this dated body because the updated route failed. |\n| **S_MN-P08-S018** | OLRC: [https://uscode.house.gov/us/usc/119-120/t15/s1602/](https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com) | Fresh relevant (f)–(g) and qualification paragraphs; current through October 7, 2026. Not a full TILA analysis. |\n| **S_MN-P08-S019** | OLRC: [https://uscode.house.gov/us/usc/119-120/t12/s1813/](https://uscode.house.gov/us/usc/119-120/t12/s1813/?utm_source=chatgpt.com) | Fresh relevant (a)–(c), including depository versus insured-depository definitions. Same currency limit. |\n| **S_MN-P08-S020** | OLRC: [https://uscode.house.gov/us/usc/119-120/t12/s1752/](https://uscode.house.gov/us/usc/119-120/t12/s1752/?utm_source=chatgpt.com) | Fresh relevant federal/state credit-union definitions, particularly (1), (6), (7). Same currency limit. |\n| **S_MN-P08-S021** | OFR/eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) | Fresh relevant person, customer, seller, telemarketer, telemarketing and upsell definitions. Display through October 23, 2026. |\n| **S_MN-P08-S022** | OFR/eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3?utm_source=chatgpt.com) | Fresh necessary (a)(1) cost/restriction/refund disclosures and (a)(2) performance/refund/affiliation prohibitions. Broader TSR deferred. |\n| **S_MN-P08-S023** | OFR/eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) | Fresh complete (a)(2), adjacent (a)(3), and necessary (a)(5) comparison/account language. Currentness as S021. |\n| **S_MN-P08-S024** | OFR/eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | Fresh responsive exemptions and exceptions, particularly (b)(3)–(7). No universal exemption inferred. |\n| **S_MN-P08-S025** | FTC, 68 FR 4580: [https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule](https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule?utm_source=chatgpt.com) | Fresh targeted §310.4(a)(2) explanation, printed pp. 4615–4616, reproduced rule and effective-date statement. HTML rendition of published final rule; not complete 6,739-line read or official-PDF verification. |\n| **S_MN-P08-S026** | First Circuit opinion, published republication: [https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/](https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/?utm_source=chatgpt.com) | Fresh *Zimmerman*, 409 F.3d 473, particularly merits discussion and disposition. Official retrieval attempt failed; republication status disclosed. No underlying tax record inspected. |\n| **S_MN-P08-S027** | First Circuit: [https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf](https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf?utm_source=chatgpt.com) | Fresh *Puccio*, 613 F.3d 60; relevant official majority body and disposition; pages visually inspected. |\n| **S_MN-P08-S028** | Supreme Court/GPO: [https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf](https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com) | Fresh *CompuCredit*, 565 U.S. 95; majority pp. 97–104, including scope qualification. Relevant pages visually inspected. Original Supreme Court legacy URL failed; official GPO route succeeded. |\n| **S_MN-P08-S029** | Minnesota Revisor: [https://www.revisor.mn.gov/statutes/cite/332B.10](https://www.revisor.mn.gov/statutes/cite/332B.10?utm_source=chatgpt.com) | Fresh narrow clause (7) and necessary surrounding text. No P07 reliance or settlement overview. |\n| **S_MN-P08-S030** | Congress/GPO, introduced S.4144: [https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf](https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf?utm_source=chatgpt.com) | Fresh introduced-version title/status and selected proposed provisions; first page visually inspected. March 19, 2026 introduction, not enacted authority or complete current bill-status determination. |\n| **S_MN-P08-S031** | FTC staff guide: [https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule](https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com) | Fresh targeted credit-repair payment section, especially lines 904–913, and limited jurisdiction discussion. Staff guidance; historical portions not adopted as current rules. |\n\n## Access failures and their disposition\n\n| Attempted route | Actual result | Remaining consequence |\n| --- | --- | --- |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim and corresponding section routes | Failed/maintenance responses | Successfully replaced by S016’s current official route; not a substantive gap for the recovered sections |\n| https://usc-cdn.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679b&num=0&edition=prelim | Timeout | No reliance on search-only currentness metadata |\n| https://uscode.house.gov/us/usc/119-120/t15/s1679i/ | 403 | Only 2024 operative §1679i read; limitations work deferred |\n| https://www.congress.gov/bill/119th-congress/senate-bill/4144 | Restricted fetch failure | Introduced bill identified, but latest full action history not established |\n| https://www.ca1.uscourts.gov/opn/aci?OPINNUM=04-2039 | Official route unsuccessful | S026 is expressly a published-opinion republication |\n| https://www.supremecourt.gov/opinions/11pdf/10-948.pdf | Legacy route failed | Official U.S. Reports PDF recovered at S028 |\n\n### Bounded interpretation search\n\nQueries included exact statutory terms and combinations of **332.56**, **332.58**, **credit services organization**, **court/opinion**, official Minnesota court/Commerce domains, and Revisor rules. Results included statutory bodies, proposals, general consumer guidance and unrelated material.\n\nNo responsive Minnesota majority opinion or binding final interpretation was located and opened that supplies an advance-fee security exception, resolves the identified form mismatch, or establishes a universal partial-service billing rule. No unpublished decision was relied upon.\n\n# J. Atomic claim register\n\n“High—text” means the opened body supports the assertion within its stated version. “Conditional” requires actual facts or a legal application. “Held” identifies missing interpretation or evidence.\n\n| Claim | Actor/predicate, step or clock, and consequence | Authority/pinpoint | Confidence/limits |\n| --- | --- | --- | --- |\n| **C001** | Minnesota displays and federal currency dates are limited as stated | S001, S013, S016–S024 | High as version finding; no complete later-law certificate |\n| **C002** | 2026 §58 changes the state DMP/settlement exclusion, effective August 1, 2026, 12:01 a.m. | S010–S012; reviewed act-level context | High for narrow amendment; no entity qualification |\n| **C003** | Original and 2020 amendments were read selectively; their complete historical date chains were not reconstructed | S014–S015 | Explicit historical limit |\n| **C004** | Minnesota CSO coverage includes the specified paid improvement/obtaining/advice activities | S001, subd.3(a) | High—text |\n| **C005** | Buyer and extension-of-credit definitions impose the stated individual/consumer-purpose predicates | S001, subds.2,4 | High—text; mixed-purpose facts held |\n| **C006** | State exclusions require their actual conditions; claimant bears burden | S001, subd.3(b); S002 | High—text |\n| **C007** | DMP/settlement registration exclusion is scope-limited, not blanket credit-repair permission | S010 §58; S029(7) | High textual limitation |\n| **C008** | Covered Minnesota offering/advertising/contracts require registration; charges and term are government matters | S003, subds.1–7 | High—text; operational status deferred |\n| **C009** | $10,000 bond or accepted substitute security is distinct from consumer payments | S004 | High—text |\n| **C010** | Covered CSO actors cannot charge/receive before full and complete agreed performance | S005, subd.1(1) | High—text; actual performance must be proved |\n| **C011** | Salesperson-bond provision is not an advance-fee exception | S005, subd.2, read with subd.1(1) | High combined reading |\n| **C012** | No applicable customer-trust advance-fee exception or numeric consumer-fee cap was found in these bodies | S001–S009 | Bounded textual finding, not all-law certification |\n| **C013** | Specified referral-only charges and false/deceptive credit conduct are prohibited | S005, subd.1(2)–(4) | High—text |\n| **C014** | State statement precedes contract or payment; prescribed format and two-year acknowledgment retention apply | S006, subds.1–2 | High—text |\n| **C015** | State disclosure and contract texts contain the identified three-business/five-day and report-period differences | S006–S007; S015 §26 | Text high; form harmonization held |\n| **C016** | State contract requires detailed services, all payments, identity, timeframe and completion-percentage field | S007, subd.1 | High—text |\n| **C017** | State duplicate notice/copies and five-day cancellation wording must be addressed | S007, subds.1–3 | High—text; deadline computation not adjudicated |\n| **C018** | Timely state cancellation notice promises return within ten days of seller receipt | S007, subd.2 | High—text; actual receipt/cancellation facts needed |\n| **C019** | State waiver invalidity and exemption burden are separate from arbitration analysis | S002 | High—text |\n| **C020** | State enforcement/damages provisions do not create an automatic identical remedy for every alleged defect | S008–S009 | High text; full cross-referenced remedies deferred |\n| **C021** | CROA covers paid express/implied improvement services or advice using interstate instrumentalities/mails | S016, §1679a(3)(A) | High—text |\n| **C022** | CROA exclusions differ from Minnesota’s and include limited creditor/institutional categories | S016, §1679a(3)(B); S018–S020 | High—text; actual status not found |\n| **C023** | Published *Zimmerman* requires actual nonprofit operation plus §501(c)(3) status | S026, 409 F.3d 473, merits/disposition | Persuasive First Circuit authority; dismissal posture preserved |\n| **C024** | No general attorney, publisher, DMP or settlement exclusion appears in the operative CROA definition | S016, §1679a | High textual finding; no universal activity ruling |\n| **C025** | CROA bars charge/receipt before the agreed service is fully performed | S016, §1679b(b) | High—text; no automatic installment safe harbor |\n| **C026** | CROA requires separate prescribed precontract disclosure and signed acknowledgment retained two years | S016, §1679c | High—text |\n| **C027** | Compliant written contract and three-business-day service-start wait are distinct prerequisites | S016, §1679d | High—text; actual timing held |\n| **C028** | CROA operative cancellation right is three business days without penalty/obligation | S016, §1679e(a) | High—text |\n| **C029** | Duplicate federal notice says “3rd day”; copies are due at signing | S016, §1679e(b)–(c) | Text high; no invented wording reconciliation |\n| **C030** | Waivers are void; attempted waiver is a violation; noncompliant contracts are void/unenforceable | S016, §1679f | High—text |\n| **C031** | CROA prohibits specified misleading credit statements, identity concealment, service misrepresentation and fraud | S016, §1679b(a) | High—text; no FCRA merits determination |\n| **C032** | CROA damages and enforcement are separate from ordinary cancellation | S016, §§1679g–h | High—text; remedies not awarded here |\n| **C033** | CROA preserves state law except to the extent of inconsistency | S016, §1679j | High—text; precise disputed preemption application held |\n| **C034** | *CompuCredit* rejects categorical CROA anti-arbitration treatment | S028, 565 U.S.95, 97–104 | Controlling narrow holding; clause-specific defenses open |\n| **C035** | TSR requires actual actor/campaign/jurisdiction predicates | S021 relevant definitions | High—text; website alone insufficient |\n| **C036** | Inbound advertising, direct-mail, unsolicited, face-to-face and upsell rules differ | S024, (b)(3)–(7) | High—text; actual sequence matters |\n| **C037** | TSR credit repair requires both timeframe expiry and qualifying provided report | S023, (a)(2)(i)–(ii) | High—text |\n| **C038** | Report must be issued more than six months after results achieved—not six months after enrollment | S023, (a)(2)(ii) | High—text; no 180-day substitution |\n| **C039** | Completed work or an early report is insufficient for the additional TSR condition | S023; S025 credit-repair discussion | High textual application |\n| **C040** | Neighboring recovery-attorney and debt-relief-account provisions do not supply an (a)(2) exception | S023, (a)(2)–(5) | High structural reading |\n| **C041** | Relevant telemarketing cost/refund/performance/affiliation disclosures and prohibitions remain | S022, (a)(1)–(2) relevant clauses | High—text; broader TSR deferred |\n| **C042** | Real actor exclusions must be established separately under each regime | S001–S002; S016; S021–S024 | Conditional application |\n| **C043** | *Puccio* supports actual-representation and future-credit-advice coverage analysis | S027, slip pp.23–28 | Persuasive First Circuit holding; not every counselor covered |\n| **C044** | Mixed settlement/repair claims do not erase §332B.10(7) or federal repair predicates | S029(7); S016; S023 | Conditional overlap analysis |\n| **C045** | Introduced S.4144 is not adopted as enacted law | S030; S016 current text | Version distinction; latest bill history unavailable |\n| **C046** | No responsive controlling Minnesota interpretation was located and opened for stated gaps | Search record | Bounded search result |\n| **C047** | A fee label, receipt, security or artificial service split does not by itself prove performance | C009–C012, C025, C037 | Analytical consequence; actual contract required |\n| **C048** | M01 reconciles $240 only under complete-service/nontelephone assumptions | M01; C010,C025–C029 | Fictional conditional model |\n| **C049** | M02’s $600 advance remains unlawful despite security; timely return leaves zero unapplied cash | M02; C009–C018 | Fictional; refund does not erase violation |\n| **C050** | M03 distinguishes $150 returned advance from later conditional $600 fee | M03; C037–C040 | Arithmetic checked; all result/report assumptions necessary |\n| **C051** | M04 separates earlier completed engagement from defective later contract without deciding final damages | M04; C025,C030–C032 | Conditional; no total-remedy ruling |\n| **C052** | Provider receipts/refunds do not themselves reduce creditor debt | Models and stated accounting assumptions | No creditor transfers occur in these models |\n| **C053** | Original P01 overlap row remains historical, not retroactively accepted | Supplied P01 record | Reuse only |\n| **C054** | Current §1679i access failed; 2024 text does not support a new current limitations certificate | S017 and failure record | Held |\n| **C055** | No full FCRA accuracy, deletion, identity-theft or investigation conclusion is supplied | Scope; S023 permissible-purpose preservation | Express boundary |\n| **C056** | Remote/mixed-purpose/local/tribal applications need additional facts and law | S001, S016, S021 | Territorial application held |\n| **C057** | No actual registration, exemption, provider, contract or eligibility is established | Evidence limits | Express limitation |\n| **C058** | No component/state/parent/A066/A097/A098 acceptance follows | Scope and self-check | Express limitation |\n\n# K. Granular coverage and next evidence\n\n| Requested issue/workflow | Status | Claims/models | Exact remaining evidence or next action |\n| --- | --- | --- | --- |\n| Minnesota CSO definition | **Answered textually** | C004–C005 | Actual offer, service and buyer facts |\n| 2026 DMP/settlement exclusion | **Answered narrowly** | C002,C007 | Actual registration and scope |\n| State lender/institutional exclusions | **Answered textually** | C006 | Actual authorization/insurance/category facts |\n| State attorney/broker/collector/CRA exclusions | **Answered textually** | C006 | Actual qualifying status and course/scope |\n| State nonprofit exclusion | **Answered textually** | C006 | Actual status, operations and historical incorporation application |\n| State exemption burden | **Answered** | C006,C019 | No claimant tested |\n| Registration/security requirements | **Answered for statutory boundary** | C008–C009 | Forms, §58A.04 implementation and actual status deferred |\n| Bond/security versus advance fees | **Answered** | C009–C012 | No applicable exception found |\n| Consumer numeric cap/indexing | **No cap/adjustment authority established in read bodies** | C012 | Any asserted separate authority must be produced and read |\n| Full-performance restriction | **Answered textually** | C010,C025 | Actual complete promise inventory and performance proof |\n| Partial-service/monthly billing | **Unresolved generally** | C047 | Responsive authority and genuinely separate service facts |\n| State prohibited representations | **Answered narrowly** | C013 | Actual statements and evidence |\n| State disclosure delivery/format | **Answered** | C014 | Actual form and acknowledgment |\n| State contract fields | **Answered** | C016 | Actual completed contract and substantiated completion percentage |\n| State/federal wording mismatch | **Unresolved harmonization** | C015,C029 | Controlling construction or authoritative conforming-form guidance |\n| Ordinary state cancellation/refund | **Answered textually** | C017–C018 | Actual dates, notice and deadline computation |\n| State nonwaiver/remedies | **Answered at boundary** | C019–C020 | Full enforcement cross-references and actual damages deferred |\n| CROA commerce/consideration/advice coverage | **Answered** | C021 | Actual service and representation facts |\n| General education versus paid advice | **Partial application** | P01–P04 | Actual net representation, consideration and service |\n| Actual nonprofit versus label | **Answered with precedent limits** | C023 | Real status/operation evidence |\n| Own-creditor exclusion | **Answered** | C022 | §1602 status and debt owed to that creditor |\n| Depository/credit-union exclusion | **Answered** | C022 | Charter/category/affiliate facts |\n| Attorney/publisher/DMP federal boundary | **Answered textually** | C024 | Other actual exceptions or controlling constructions |\n| CROA full disclosure and record retention | **Answered** | C026 | Actual separate statement and acknowledgment |\n| CROA contract and waiting period | **Answered** | C027 | Actual signing/start dates and contract terms |\n| CROA cancellation and copies | **Answered textually** | C028–C029 | Real computation and delivery facts |\n| CROA voidness/nonwaiver | **Answered** | C030 | Actual defect and remedy |\n| CROA damages/enforcement | **Answered narrowly** | C032 | Actual violation, causation and adjudicated recovery |\n| CROA limitations currentness | **Held** | C054 | Updated §1679i body and separate limitations analysis |\n| State/federal preemption | **Answered generally; application held** | C033 | Actual asserted inconsistency and controlling construction |\n| Arbitration | **Answered narrowly** | C034 | Actual clause, formation and other defenses |\n| TSR telephone/actor/jurisdiction predicates | **Answered conditionally** | C035–C036 | Actual campaign and entity facts |\n| Inbound advertising/direct mail | **Answered** | C036 | Actual source of call |\n| Unsolicited calls/upsells | **Answered** | C036 | Actual transaction sequence |\n| Face-to-face | **Answered conditionally** | P14 | Actual sale/payment-authorization timing |\n| TSR timeframe expiry | **Answered** | C037 | All represented timeframes |\n| TSR result/report sequence | **Answered** | C038–C039 | Actual results, issue date, delivery and report contents |\n| Permissible purpose | **Boundary preserved** | C055 | Separate FCRA authority and facts; no report requested |\n| Debt-relief/account-rule overlap | **Answered narrowly** | C040,C044 | Actual dual service and fee characterization |\n| Neighboring attorney exception | **Answered: not imported** | C040 | No general credit-repair attorney exemption |\n| TSR disclosures/misrepresentations | **Answered narrowly** | C041 | Actual script and claims |\n| P01 unpaid reporting | **Completed conditionally** | P01 | No publisher safe harbor |\n| P02 paid education | **Completed conditionally** | P02 | Actual purpose and sales impression |\n| P03 individualized advice | **Completed** | P03,M01 | Model predicates stipulated |\n| P04 cash-flow-only work | **Completed conditionally** | P04 | No automatic repair representation |\n| P05 mixed dispute/settlement | **Completed with boundary** | P05 | Separate applicable predicates |\n| P06 disclaimer conflict | **Completed with precedent** | P06 | Actual full representation record |\n| P07 attorney | **Completed conditionally** | P07 | State scope/federal coverage |\n| P08 generic nonprofit | **Completed** | P08 | Missing qualification remains missing |\n| P09 genuine nonprofit | **Completed conditionally** | P09 | No real entity tested |\n| P10 creditor | **Completed conditionally** | P10 | Own-debt predicate |\n| P11 bank-account vendor | **Completed** | P11 | Account relationship is not institution status |\n| P12 bonded CSO | **Completed** | P12,M02 | No security-based fee exception |\n| P13 inbound/upsell | **Completed conditionally** | P13 | Actual call facts |\n| P14 face-to-face | **Completed conditionally** | P14 | No CROA/state exemption inferred |\n| P15 incomplete/early report | **Completed** | P15,M03 | No premature collection supported |\n| P16 cancellation/waiver/arbitration | **Completed with limits** | P16,M04 | Actual clause/defect/remedy |\n| M01 completed advice ledger | **Completed conditionally** | C048 | No unperformed additional promise |\n| M02 security/cancellation ledger | **Completed** | C049 | No actual customer or provider |\n| M03 TSR result/report ledger | **Completed conditionally** | C050 | All hypothetical dates and evidence essential |\n| M04 prior fee/defect/refund ledger | **Completed conditionally** | C051 | Final damages and integration of contracts held |\n| Creditor-balance separation | **Completed** | C052 | No creditor transfers modeled |\n| Material enactments/currentness | **Partial with exact limits** | C001–C003,C038,C045 | Historical date chains and post-source-currency developments |\n| Responsive Minnesota rules/final interpretations | **Not located in bounded search** | C046 | Further official rule/order/opinion research on exact gaps |\n| Published federal decisions | **Read with stated limits** | C023,C034,C043 | Complete citator/subsequent-history review not performed |\n| Original P01 crosswalk | **Preserved below** | C053 | No duplicate accepted row |\n| Ordinary settlement/DMP earnings | **Deferred** | C058 | Separate components; not credit-repair permission |\n| Referral compensation | **Deferred** | C058 | P07 unreviewed answer not used |\n| Registry/provider status/NMLS forms | **Deferred** | C057 | No lookup or checklist certification |\n| Full bond/trust controls | **Deferred** | C058 | Separate operational/security work |\n| FCRA accuracy/investigation/identity theft | **Individually deferred** | C055 | Actual reporting issue and governing evidence rules |\n| Tax/sector and professional ethics | **Individually deferred** | C058 | Actual activity and professional authority |\n| Collection litigation/limitations | **Individually deferred** | C054,C058 | Separate procedural/remedy analysis |\n| Wage/bank/property enforcement | **Individually deferred** | C058 | Separate state dimensions |\n| Remote/mixed-purpose/territorial issues | **Partial/held** | C056 | Actual connections and governing law |\n| Local/tribal/sovereign issues | **Deferred** | C056 | Specific territorial and sovereign authority |\n| Parent-state/A066/A097/A098 completion | **Not established** | C058 | Remaining dimensions remain open |\n\n# L. Original P01 overlap row—preserved crosswalk\n\n| Original component | Original status | Original claim | Original remaining action |\n| --- | --- | --- | --- |\n| Federal TSR and CROA overlap | Unresolved | C019 | Read operative federal provisions and applicable exceptions |\n\n**PASS-08 effect:** Fresh operative CROA and TSR credit-repair bodies, Minnesota CSO provisions, the 2026 state exclusion amendment, and selected published decisions now support this separate component. Actual actor coverage, compliant contract wording, performance evidence, report sequencing, territorial application and the specifically identified currentness gaps remain conditional or held.\n\nThis does not retroactively certify P01’s federal reading or convert prior ordinary debt-relief fee calculations into credit-repair authorization.\n\n# M. Researcher self-check and final disposition\n\n**Actually read:** The responsive Minnesota CSO statutory bodies; the enacted 2026 exclusion change; selected original and 2020 amendments; current official CROA sections recovered through October 7, 2026; necessary creditor and financial-institution definitions; current TSR provisions through the displayed October 23 date; relevant final-rule explanation; and the three published appellate/Supreme Court bodies identified above. Relevant PDF pages were visually inspected.\n\n**Not established:** A universal publisher, attorney, nonprofit, state-registration or trust-account exemption; a universal installment-fee rule; a conforming combined Minnesota/federal cancellation form; a final refund or damages amount for a real contract; or complete later-law and citator coverage.\n\nThe models distinguish contract price, physical receipt, supported fee application, refund and creditor payment. None treats a bond, bank account, invoice, completed letter or scalar calculation as proof of all legal predicates.\n\n**Bottom line:** Credit-improvement representations can create a separate CSO/CROA analysis even when the broader business is described as counseling or debt relief. Minnesota’s state exclusion and security rules do not establish federal fee permission. Where the TSR credit-repair rule applies, both its timeframe and later-report conditions remain independently necessary.\n\nNo actual permission, eligibility, provider approval, component acceptance, state-parent completion, A066, A097 or A098 acceptance is implied.\n\n**END S_MN PASS-08**\n\n","tables":[{"headers":["Regime","Relevant coverage","Principal payment restriction"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Regime","Relevant coverage","Principal payment restriction"],["Minnesota CSO law, §§332.52–332.60","Paid credit-improvement, credit-obtaining, or related advice/assistance involving credit extended by others, unless an actual exclusion applies","No charge or receipt before full and complete performance of the agreed services"],["Federal CROA, 15 USC 1679a–1679j","Use of interstate-commerce instrumentalities or the mails to sell paid services for the express or implied purpose of improving a consumer’s credit record/history/rating, including advice or assistance, subject to its own exclusions","No charge or receipt for an agreed service before that service is fully performed; compliant contract and waiting-period requirements also apply"],["TSR credit repair, 16 CFR 310.4(a)(2)","A covered seller/telemarketer and telephone campaign offering the specified credit-repair representations, subject to applicable jurisdictional and transaction exemptions","No request or receipt until the represented timeframe has expired and the consumer has been provided the required report demonstrating promised results, issued more than six months after those results were achieved"]]},{"headers":["Activity or representation","Minnesota analysis","CROA analysis","Necessary limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Activity or representation","Minnesota analysis","CROA analysis","Necessary limitation"],["Unpaid general reporting about credit law","The paid-service element is not established merely by publishing information","Consideration and a represented credit-improvement service must be established","No categorical publisher exemption was found; actual commercial arrangements matter"],["Paid generic budgeting education, with no credit-improvement or credit-obtaining purpose or representation","Not automatically a CSO service","Not automatically a CROA service","A “course” or “education” label is not decisive"],["Paid individualized plan intended to improve a consumer’s score or credit history","Falls within the relevant improvement/advice language if the other predicates apply","Express or implied improvement advice can qualify","Coverage does not require a promised deletion of an existing entry"],["Paid assistance obtaining consumer credit","Express Minnesota category","CROA coverage requires the separate improvement/advice predicates","Minnesota CSO coverage can be broader than CROA in this respect"],["Paid dispute-letter assistance marketed as improving credit","Relevant CSO activity","Relevant CROA activity","FCRA dispute merits, authority and evidence must be separately valid"],["Cash-flow counseling without credit-improvement representations","Do not infer credit repair from a possible incidental benefit alone","Same distinction","The entire offer, website, script and service must be examined"],["Settlement plus promises to repair credit","The amended registration exclusion requires a scope analysis; §332B.10(7) remains relevant","CROA has no general “settlement provider” exclusion","Ordinary settlement fee permission cannot be imported"],["Contract says “not credit repair,” while advertising promises improved credit","Disclaimer is evidence, not conclusive classification","Published First Circuit authority rejects using such a disclaimer to defeat contrary actual representations","No actual advertisement or contract is approved here"],["Provider sells advice through a website, without a covered telephone campaign","State and CROA can still apply","Internet use can satisfy interstate-instrumentality facts in the stipulated models","TSR coverage is not established by website existence alone"]]},{"headers":["State category","Necessary statutory qualification"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["State category","Necessary statutory qualification"],["Authorized lender","Authorized under state or federal law and subject to the specified regulation/supervision, or the stated HUD-approved mortgage-lender category"],["Bank, savings bank, or savings and loan institution; specified subsidiary","Deposits/accounts eligible for the stated FDIC insurance condition"],["Credit union","The listed credit-union categories, including an out-of-state credit union doing business in Minnesota"],["Nonprofit","Exempt under §501(c)(3), with the state statute’s express December 31, 1990 incorporation language preserved"],["DMP or settlement provider","Actual registration and conduct within its course and scope, under the 2026 amendment"],["Real-estate broker","Minnesota license and conduct within its course and scope"],["Collection agency","Minnesota license and conduct within its course and scope"],["Attorney","Minnesota practice license and services within the course and scope of attorney practice"],["Securities/commodities broker-dealer","Specified registration and conduct within its scope"],["Consumer reporting agency","The incorporated FCRA definition, with the statute’s stated historical incorporation date"]]},{"headers":["Federal category","Exact boundary relevant here","What does not establish it"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Federal category","Exact boundary relevant here","What does not establish it"],["Nonprofit exempt under §501(c)(3)","Both actual nonprofit operation and the specified tax-exempt status matter under the published Zimmerman construction","A generic nonprofit label, state nonprofit formation, or IRS recognition alone under that decision"],["Creditor","A creditor as defined by §1602, to the extent it assists restructuring debt the consumer owes that creditor","Negotiating unrelated creditors’ debts or merely calling a service firm a creditor"],["Depository institution","Actual §1813 status; the definition distinguishes a depository institution from an insured depository institution","Holding customer money at an insured bank"],["Federal or state credit union","Actual §1752 status","Using a credit union’s payment account"],["Affiliate or subsidiary of a qualifying depository institution or credit union","The statutory relationship must actually exist","A referral, vendor, sponsorship or bank-processing relationship"],["Attorney","No general attorney exclusion appears in the operative CROA definition read","Minnesota’s attorney exclusion does not supply a federal one"],["DMP, settlement, publisher or educational label","No corresponding general exclusion appears in the operative definition","Registration, a disclaimer or a business-category description"]]},{"headers":["Event","State rule or consequence","Distinction"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Event","State rule or consequence","Distinction"],["Provider or covered salesperson/agent/representative/independent seller demands or receives payment before agreed services are fully and completely performed","Prohibited by §332.56(1)(1)","A signed invoice, bank receipt or refundable label is not performance"],["Separate “analysis,” “setup,” or “subscription” charge","Requires examination of the actual agreed service package and representations","No general per-letter, per-month or setup-fee safe harbor was established"],["Consumer pays into an asserted trust account before performance","No applicable advance-fee exception was found in these provisions","The bond’s substitute-security mechanism is not such an exception"],["Organization maintains required bond/security","Satisfies a different condition if all requirements are met","Does not accelerate the fee date"],["Fee for merely referring a buyer to publicly available retail credit on substantially the same terms","Separately prohibited by §332.56(1)(2)","Not a general credit-broker fee approval"],["Fee amount after lawful performance","No general numeric consumer-fee ceiling or inflation formula was found in §§332.52–.60","Absence of a numeric cap is not approval of any amount or practice"]]},{"headers":["Stage","Minnesota requirement","CROA requirement","Evidence needed in a modeled transaction"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Stage","Minnesota requirement","CROA requirement","Evidence needed in a modeled transaction"],["Before commitment/payment","Required written statement before contract or payment, whichever occurs first","Prescribed statement before contract","Versioned statement and actual delivery evidence"],["Statement format","Specified statement in boldface, at least ten-point type; personally signed receipt acknowledgment retained two years","Separate document from contract/other material; signed acknowledgment retained two years","The actual separate documents, not a generic acknowledgment"],["Contract","Written, dated and buyer-signed","Written, dated, consumer-signed, compliant with §1679d","Signed contract and execution/delivery dates"],["Price","All payments to the organization or others","Same broad payment disclosure","Total charges, recipients and conditions"],["Services","Full detailed description, guarantees/refund promises and estimated completion","Detailed services, guarantees and completion date or duration estimate","Complete promise inventory, including advertising promises"],["Identity","Principal address and Minnesota process agent","Organization name and principal business address","Actual legal actor and address"],["Additional Minnesota field","Prior-calendar-year or shorter operating-period percentage of customers for whom agreed services were fully completed","No matching field in the relied-on federal contract section","Substantiated percentage and period"],["Waiting to begin work","No separate universal service-start wait was established in §§332.52–.60","No services before the end of §1679d(a)(2)’s three-business-day period","Start date, not merely billing date"],["Cancellation notice","Duplicate, attached, easily detachable, bold, same language as contract","Duplicate bold notice with specified content","Completed notices and supplied copies"],["Copies","At signing","At signing, including other required signed documents","Delivery record"],["Ordinary cancellation","State contract text uses five days; notice promises all payments returned within ten days after seller receipt","Operative cancellation provision uses three business days without penalty or obligation","Actual notice, receipt, applicable computation and return record"]]},{"headers":["Situation","Supported result","What remains separate"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Situation","Supported result","What remains separate"],["Timely ordinary Minnesota cancellation","The prescribed notice provides return of payments within ten days after receipt of cancellation","Exact deadline computation, disputed receipt and actual transactions"],["CROA timely cancellation","No penalty or obligation within the operative cancellation period","CROA §1679e does not itself supply Minnesota’s ten-day return wording"],["Waiver of statutory protection","Minnesota waiver provisions and CROA nonwaiver provisions apply","A signed waiver does not cure prohibited conduct"],["CROA contract fails applicable requirements","§1679f(c) makes it void and unenforceable","Precise defect, remedy and adjudicated recovery"],["Minnesota damages action","§332.60 conditions the action on damages from a violation; recovery has the stated amount-paid floor, costs/fees and possible punitive component","Not every asserted defect automatically establishes every remedy"],["CROA liability","§1679g specifies the greater-of actual damage/amount-paid measure, possible punitive damages and successful-action fees/costs","No automatic double recovery under overlapping statutes"],["Minnesota enforcement","§332.59 provides misdemeanor and civil/enforcement cross-references","Full §8.31, §45.027 and §325F.69 analysis was not undertaken"]]},{"headers":["Facts","Necessary federal result"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Facts","Necessary federal result"],["Paid improvement advice sold through an interstate website, no covered sales calls","CROA can apply; TSR coverage is not established by the website alone"],["Outbound campaign involving more than one interstate call","Test seller/telemarketer, service and jurisdictional predicates"],["Consumer calls in response to credit-repair advertising","Credit-repair services are carved out of the ordinary advertising-response exemption"],["Consumer responds to targeted mail/email credit-repair solicitation","The corresponding direct-mail exemption also contains a relevant carve-out"],["Truly unsolicited consumer call","Separate exemption conditions apply; upselling must be considered"],["Qualifying face-to-face presentation before sale/payment authorization","§310.6(b)(3)’s partial exemption may matter"],["Nonprofit or financial-institution claim","Actual federal jurisdiction and actor status must be established; a third-party seller/telemarketer does not automatically inherit another entity’s status"],["Pure business-purpose transaction","Minnesota’s consumer-purpose definition and federal provisions must be applied separately; no universal business exemption is supplied here"]]},{"headers":["Decision and posture","Holding used","Citation and limits"],"index":8,"links":[],"row_links":[[],[],[],[]],"rows":[["Decision and posture","Holding used","Citation and limits"],["Zimmerman v. Cambridge Credit Counseling Corp., 409 F.3d 473 (1st Cir. 2005); appeal from dismissal; judgment vacated and remanded","CROA’s nonprofit exclusion requires actual nonprofit operation and §501(c)(3) status. The complaint’s allegations were sufficient to proceed; the opinion did not establish those allegations as final facts.","Merits opinion May 31, 2005; rehearing notation July 20. Published opinion body read through a republication after the attempted official route failed. Persuasive, not controlling First Circuit authority in Minnesota."],["Zimmerman v. Puccio, 613 F.3d 60 (1st Cir. 2010); appeal from summary judgment","Credit-improvement advice is not limited to backward-looking deletion. The actual representations supported CROA coverage despite contrary contractual language. The court affirmed the misleading-representation liability addressed in its opinion.","July 27, 2010; official 36-page opinion read, particularly slip pp. 23–28 and disposition. It did not decide all alternative theories. No underlying district-court opinion quoted there is represented as freshly opened."],["CompuCredit Corp. v. Greenwood, 565 U.S. 95 (2012); Supreme Court reversal","CROA does not categorically preclude enforcement of an arbitration agreement under the FAA. Statutory substantive protections and a chosen arbitral forum are not the same question.","January 10, 2012; majority body at pp. 97–104 read in official U.S. Reports. The Court did not decide that the defendants were CROs; it assumed that predicate for the question presented. No conclusion that every arbitration clause is enforceable."]]},{"headers":["Material","Status actually established","Limit"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Status actually established","Limit"],["Minnesota §§332.52–.60","Retrieved 2025 statutory displays; §332.52 has an express 2026 amendment warning","Not a fully consolidated 2026 code"],["2026 chapter 124, article 1, §58","Enacted scope-limited DMP/settlement-provider exclusion; effective August 1, 2026, 12:01 a.m.","No actual provider’s scope or registration established"],["2026 Table 2","Targeted regular-session entries inspected","No complete later/special-session certificate"],["1991 chapter 314","Original CSO enactment, relevant original contract/remedy text and June 3, 1991 signature inspected","Original general effective-date chain not fully reconstructed"],["2020 chapter 80, article 1, §§24–26","Registration-update and prescribed-disclosure amendments read","No exact effective date asserted without complete act-level analysis; the day-following clause at the end of Article 2 is not automatically applied to Article 1"],["Current CROA text","Official OLRC §§1679a–h and j retrieved, labeled through Public Law 119-120, October 7, 2026","No claim of verification of every enactment after October 7"],["CROA §1679i","Complete 2024 official body read; attempted updated route returned 403","Limitations calculation remains deferred"],["CROA original applicability","Official notes provide the six-month-period applicability rule following September 30, 1996, with the stated earlier-contract exception","All models are 2026; no old contract adjudicated"],["Current eCFR","Relevant Title 16 bodies displayed current through October 23, 2026","Title-level amendment metadata is not attributed to every section"],["2003 TSR final rule","Relevant retained credit-repair explanation and operative text read; rule effective March 31, 2003","Historical surrounding numbering is not used as current numbering"],["S.4144, 119th Congress, introduced version","Official bill shows introduction/referral on March 19, 2026; proposed CROA changes inspected","Not enacted authority. Its proposed 180-day formulation, attorney provisions and state-license language are not adopted. Congress.gov’s full current status route was inaccessible"]]},{"headers":["Posture","Fictional facts","Decision or unresolved condition"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Fictional facts","Decision or unresolved condition"],["P01 — Unpaid reporting","A free article describes consumer rights and offers no paid improvement service","Paid-service coverage is not established by that fact alone; no publisher safe harbor declared"],["P02 — Paid general education","A $25 budgeting course makes no credit-improvement or credit-obtaining claim","Actual purpose and sales impression matter; education label alone is not dispositive"],["P03 — Individualized score advice","A $240 service reviews a consumer’s circumstances and supplies a plan intended to improve credit","Relevant CSO/CROA advice predicates are present, subject to exclusions and nexus"],["P04 — Cash-flow-only work","A service promises only expense organization","Incidental possible credit benefits do not automatically establish a repair representation"],["P05 — Dispute help plus settlement","One package promises debt negotiation and removal of adverse report entries","Test both actual services; ordinary debt-relief payment predicates do not replace credit-repair requirements"],["P06 — Contradictory disclaimer","Contract says “not credit repair”; website promises a higher score","Actual representations remain material; disclaimer is not conclusive"],["P07 — Minnesota attorney","Licensed attorney supplies genuine legal services within practice scope","State exclusion may apply; no blanket CROA attorney exclusion is established"],["P08 — Generic nonprofit","State nonprofit corporation has no established §501(c)(3) status","Neither the state nor CROA exclusion is established merely by that label"],["P09 — Real §501(c)(3) organization","Qualifying status and actual nonprofit operation are stipulated","CROA exclusion may apply; actual TSR and state predicates still require their own analysis"],["P10 — Own creditor restructuring","A qualifying creditor restructures debt owed to itself","CROA creditor exclusion is limited to that activity; unrelated-debt advice is not automatically excluded"],["P11 — Bank-account vendor","A repair company holds funds at an insured bank","That does not make the company a depository institution or create advance-fee permission"],["P12 — Bonded CSO","Registered organization posts required security and bills before doing the work","Security does not satisfy the performance restriction"],["P13 — Inbound ad/upsell","Consumer calls a credit-repair advertisement, or is upsold repair during another call","Test the current credit-repair carve-outs and upsell provisions; inbound is not automatically exempt"],["P14 — Face-to-face","No sale or payment authorization occurs until after a genuine qualifying presentation","TSR partial exemption may apply; CROA/state duties do not disappear"],["P15 — Incomplete promise or early report","Letters are sent, promised correction is unfinished, or report predates the required interval","Work, results, represented timeframe and report date are different facts"],["P16 — Cancellation, waiver and arbitration","Buyer cancels promptly; alternatively contract omits required terms or demands a statutory waiver","Apply ordinary cancellation or defect/nonwaiver rules as appropriate; arbitration alone is not categorically a forbidden waiver"]]},{"headers":["Event","Receipts","Lawful fee application assumed","Refunds","Creditor transfers","Closing unapplied cash"],"index":11,"links":[],"row_links":[[],[],[],[]],"rows":[["Event","Receipts","Lawful fee application assumed","Refunds","Creditor transfers","Closing unapplied cash"],["Opening","—","—","—","—","$0.00"],["October 21","$100.00","$100.00","$0.00","$0.00","$0.00"],["October 23","$140.00","$140.00","$0.00","$0.00","$0.00"]]},{"headers":["Event","Receipts","Lawful fee application","Refunds","Creditor transfers","Closing unapplied cash"],"index":12,"links":[],"row_links":[[],[],[]],"rows":[["Event","Receipts","Lawful fee application","Refunds","Creditor transfers","Closing unapplied cash"],["October 5 premature receipt","$600.00","$0.00","$0.00","$0.00","$600.00"],["October 8 return","$0.00","$0.00","$600.00","$0.00","$0.00"]]},{"headers":["Event","Receipts","Lawful fee application","Refunds","Creditor transfers","Closing unapplied cash"],"index":13,"links":[],"row_links":[[],[],[],[]],"rows":[["Event","Receipts","Lawful fee application","Refunds","Creditor transfers","Closing unapplied cash"],["February 16 premature receipt","$150.00","$0.00","$0.00","$0.00","$150.00"],["February 18 refund","$0.00","$0.00","$150.00","$0.00","$0.00"],["August 24, after all modeled predicates","$600.00","$600.00","$0.00","$0.00","$0.00"]]},{"headers":["Component","Receipts","Fee application","Refund","Creditor transfer","Unapplied balance"],"index":14,"links":[],"row_links":[[],[],[],[]],"rows":[["Component","Receipts","Fee application","Refund","Creditor transfer","Unapplied balance"],["Contract A","$180.00","$180.00, conditionally supported","$0.00","$0.00","$0.00"],["Contract B","$420.00","$0.00","$420.00","$0.00","$0.00"],["Total","$600.00","$180.00","$420.00","$0.00","$0.00"]]},{"headers":["Source ID","Issuer and complete HTTPS URL","Actual read scope, version/effect, and limitation"],"index":15,"links":[{"href":"https://www.revisor.mn.gov/statutes/cite/332.52?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.52"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.53?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.53"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.54?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.54"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.55?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.55"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.56?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.56"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.57?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.57"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.58?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.58"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.59?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.59"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.60?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.60"},{"href":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0"},{"href":"https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com","text":"https://www.house.mn.gov/NewLaws/story/2026/5756"},{"href":"https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/645.02"},{"href":"https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026"},{"href":"https://www.revisor.mn.gov/laws/1991/0/314/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/1991/0/314/"},{"href":"https://www.revisor.mn.gov/laws/2020/0/80/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2020/0/80/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679j/"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1602/"},{"href":"https://uscode.house.gov/us/usc/119-120/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t12/s1813/"},{"href":"https://uscode.house.gov/us/usc/119-120/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t12/s1752/"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/"},{"href":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf?utm_source=chatgpt.com","text":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"},{"href":"https://www.revisor.mn.gov/statutes/cite/332B.10?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332B.10"},{"href":"https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf"},{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}],"row_links":[[],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.52?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.52"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.53?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.53"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.54?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.54"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.55?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.55"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.56?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.56"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.57?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.57"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.58?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.58"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.59?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.59"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.60?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.60"}],[{"href":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0"}],[{"href":"https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com","text":"https://www.house.mn.gov/NewLaws/story/2026/5756"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/645.02"}],[{"href":"https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026"}],[{"href":"https://www.revisor.mn.gov/laws/1991/0/314/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/1991/0/314/"}],[{"href":"https://www.revisor.mn.gov/laws/2020/0/80/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2020/0/80/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679c/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679d/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679e/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679f/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679h/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679h/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679j/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679j/"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1602/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t12/s1813/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t12/s1813/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t12/s1752/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t12/s1752/"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"}],[{"href":"https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/?utm_source=chatgpt.com","text":"https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/"}],[{"href":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf?utm_source=chatgpt.com","text":"https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332B.10?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332B.10"}],[{"href":"https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf"}],[{"href":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule"}]],"rows":[["Source ID","Issuer and complete HTTPS URL","Actual read scope, version/effect, and limitation"],["S_MN-P08-S001","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.52","Fresh complete definitions and warning/history; especially subds. 2–4. Displayed 2025, with 2026 §58 overlay required."],["S_MN-P08-S002","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.53","Fresh complete waiver/exemption-burden body."],["S_MN-P08-S003","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.54","Fresh registration subdivisions; relied on subds. 1–7. Subd. 8’s §58A.04 cross-reference observed but not fully analyzed."],["S_MN-P08-S004","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.55","Fresh complete bond/security paragraph and history. No advance-fee trust exception."],["S_MN-P08-S005","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.56","Fresh complete subds. 1–2. Actor list, full performance, referral-only charge, deception and salesperson-bond provision."],["S_MN-P08-S006","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.57","Fresh complete subds. 1–2 and prescribed statement. Format, delivery and acknowledgment requirements."],["S_MN-P08-S007","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.58","Fresh complete subds. 1–3, including all contract fields and cancellation wording."],["S_MN-P08-S008","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.59","Fresh complete operative paragraph. Enforcement cross-references identified, not separately developed."],["S_MN-P08-S009","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.60","Fresh complete damages/remedies paragraph."],["S_MN-P08-S010","Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0","Fresh complete article 1 §58 and adjacent section boundary, parsed lines 1587–1616. One enacted document; no full-act fresh-read claim."],["S_MN-P08-S011","Minnesota House Public Information: https://www.house.mn.gov/NewLaws/story/2026/5756","Fresh official chapter effective-date summary, especially line 240. Official secondary record, not enacted wording."],["S_MN-P08-S012","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/645.02","Fresh complete operative default-date and 12:01 a.m. provisions."],["S_MN-P08-S013","Minnesota Revisor: https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Fresh targeted regular-session index entries around §332.52 and Chapters 332A/332B. Not a later-session completeness certificate."],["S_MN-P08-S014","Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/1991/0/314/","Fresh selected original CSO sections, especially §§4–9 and signature. Original date chain not fully reconstructed."],["S_MN-P08-S015","Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/2020/0/80/","Fresh article 1 §§24–26; article boundary and separate article 2 effective clause inspected. No misplaced application of article 2’s date clause."],["S_MN-P08-S016","OLRC, current CROA: https://uscode.house.gov/us/usc/119-120/t15/s1679a/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679b/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679c/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679d/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679e/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679f/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679g/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679h/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679j/","Fresh operative bodies and relevant notes; current through PL119-120, October 7, 2026. One codified statutory subchapter accessed through section pages. Enforcement read only as necessary; no full remedies dossier."],["S_MN-P08-S017","GPO, official 2024 CROA compilation: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm ; PDF: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","Fresh complete operative §§1679a–j initially read; relevant PDF pages visually inspected. Later reconciled with S016. §1679i remains this dated body because the updated route failed."],["S_MN-P08-S018","OLRC: https://uscode.house.gov/us/usc/119-120/t15/s1602/","Fresh relevant (f)–(g) and qualification paragraphs; current through October 7, 2026. Not a full TILA analysis."],["S_MN-P08-S019","OLRC: https://uscode.house.gov/us/usc/119-120/t12/s1813/","Fresh relevant (a)–(c), including depository versus insured-depository definitions. Same currency limit."],["S_MN-P08-S020","OLRC: https://uscode.house.gov/us/usc/119-120/t12/s1752/","Fresh relevant federal/state credit-union definitions, particularly (1), (6), (7). Same currency limit."],["S_MN-P08-S021","OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Fresh relevant person, customer, seller, telemarketer, telemarketing and upsell definitions. Display through October 23, 2026."],["S_MN-P08-S022","OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Fresh necessary (a)(1) cost/restriction/refund disclosures and (a)(2) performance/refund/affiliation prohibitions. Broader TSR deferred."],["S_MN-P08-S023","OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Fresh complete (a)(2), adjacent (a)(3), and necessary (a)(5) comparison/account language. Currentness as S021."],["S_MN-P08-S024","OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Fresh responsive exemptions and exceptions, particularly (b)(3)–(7). No universal exemption inferred."],["S_MN-P08-S025","FTC, 68 FR 4580: https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule","Fresh targeted §310.4(a)(2) explanation, printed pp. 4615–4616, reproduced rule and effective-date statement. HTML rendition of published final rule; not complete 6,739-line read or official-PDF verification."],["S_MN-P08-S026","First Circuit opinion, published republication: https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/","Fresh Zimmerman, 409 F.3d 473, particularly merits discussion and disposition. Official retrieval attempt failed; republication status disclosed. No underlying tax record inspected."],["S_MN-P08-S027","First Circuit: https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf","Fresh Puccio, 613 F.3d 60; relevant official majority body and disposition; pages visually inspected."],["S_MN-P08-S028","Supreme Court/GPO: https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","Fresh CompuCredit, 565 U.S. 95; majority pp. 97–104, including scope qualification. Relevant pages visually inspected. Original Supreme Court legacy URL failed; official GPO route succeeded."],["S_MN-P08-S029","Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332B.10","Fresh narrow clause (7) and necessary surrounding text. No P07 reliance or settlement overview."],["S_MN-P08-S030","Congress/GPO, introduced S.4144: https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf","Fresh introduced-version title/status and selected proposed provisions; first page visually inspected. March 19, 2026 introduction, not enacted authority or complete current bill-status determination."],["S_MN-P08-S031","FTC staff guide: https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","Fresh targeted credit-repair payment section, especially lines 904–913, and limited jurisdiction discussion. Staff guidance; historical portions not adopted as current rules."]]},{"headers":["Attempted route","Actual result","Remaining consequence"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Attempted route","Actual result","Remaining consequence"],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679a&num=0&edition=prelim and corresponding section routes","Failed/maintenance responses","Successfully replaced by S016’s current official route; not a substantive gap for the recovered sections"],["https://usc-cdn.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1679b&num=0&edition=prelim","Timeout","No reliance on search-only currentness metadata"],["https://uscode.house.gov/us/usc/119-120/t15/s1679i/","403","Only 2024 operative §1679i read; limitations work deferred"],["https://www.congress.gov/bill/119th-congress/senate-bill/4144","Restricted fetch failure","Introduced bill identified, but latest full action history not established"],["https://www.ca1.uscourts.gov/opn/aci?OPINNUM=04-2039","Official route unsuccessful","S026 is expressly a published-opinion republication"],["https://www.supremecourt.gov/opinions/11pdf/10-948.pdf","Legacy route failed","Official U.S. Reports PDF recovered at S028"]]},{"headers":["Claim","Actor/predicate, step or clock, and consequence","Authority/pinpoint","Confidence/limits"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Actor/predicate, step or clock, and consequence","Authority/pinpoint","Confidence/limits"],["C001","Minnesota displays and federal currency dates are limited as stated","S001, S013, S016–S024","High as version finding; no complete later-law certificate"],["C002","2026 §58 changes the state DMP/settlement exclusion, effective August 1, 2026, 12:01 a.m.","S010–S012; reviewed act-level context","High for narrow amendment; no entity qualification"],["C003","Original and 2020 amendments were read selectively; their complete historical date chains were not reconstructed","S014–S015","Explicit historical limit"],["C004","Minnesota CSO coverage includes the specified paid improvement/obtaining/advice activities","S001, subd.3(a)","High—text"],["C005","Buyer and extension-of-credit definitions impose the stated individual/consumer-purpose predicates","S001, subds.2,4","High—text; mixed-purpose facts held"],["C006","State exclusions require their actual conditions; claimant bears burden","S001, subd.3(b); S002","High—text"],["C007","DMP/settlement registration exclusion is scope-limited, not blanket credit-repair permission","S010 §58; S029(7)","High textual limitation"],["C008","Covered Minnesota offering/advertising/contracts require registration; charges and term are government matters","S003, subds.1–7","High—text; operational status deferred"],["C009","$10,000 bond or accepted substitute security is distinct from consumer payments","S004","High—text"],["C010","Covered CSO actors cannot charge/receive before full and complete agreed performance","S005, subd.1(1)","High—text; actual performance must be proved"],["C011","Salesperson-bond provision is not an advance-fee exception","S005, subd.2, read with subd.1(1)","High combined reading"],["C012","No applicable customer-trust advance-fee exception or numeric consumer-fee cap was found in these bodies","S001–S009","Bounded textual finding, not all-law certification"],["C013","Specified referral-only charges and false/deceptive credit conduct are prohibited","S005, subd.1(2)–(4)","High—text"],["C014","State statement precedes contract or payment; prescribed format and two-year acknowledgment retention apply","S006, subds.1–2","High—text"],["C015","State disclosure and contract texts contain the identified three-business/five-day and report-period differences","S006–S007; S015 §26","Text high; form harmonization held"],["C016","State contract requires detailed services, all payments, identity, timeframe and completion-percentage field","S007, subd.1","High—text"],["C017","State duplicate notice/copies and five-day cancellation wording must be addressed","S007, subds.1–3","High—text; deadline computation not adjudicated"],["C018","Timely state cancellation notice promises return within ten days of seller receipt","S007, subd.2","High—text; actual receipt/cancellation facts needed"],["C019","State waiver invalidity and exemption burden are separate from arbitration analysis","S002","High—text"],["C020","State enforcement/damages provisions do not create an automatic identical remedy for every alleged defect","S008–S009","High text; full cross-referenced remedies deferred"],["C021","CROA covers paid express/implied improvement services or advice using interstate instrumentalities/mails","S016, §1679a(3)(A)","High—text"],["C022","CROA exclusions differ from Minnesota’s and include limited creditor/institutional categories","S016, §1679a(3)(B); S018–S020","High—text; actual status not found"],["C023","Published Zimmerman requires actual nonprofit operation plus §501(c)(3) status","S026, 409 F.3d 473, merits/disposition","Persuasive First Circuit authority; dismissal posture preserved"],["C024","No general attorney, publisher, DMP or settlement exclusion appears in the operative CROA definition","S016, §1679a","High textual finding; no universal activity ruling"],["C025","CROA bars charge/receipt before the agreed service is fully performed","S016, §1679b(b)","High—text; no automatic installment safe harbor"],["C026","CROA requires separate prescribed precontract disclosure and signed acknowledgment retained two years","S016, §1679c","High—text"],["C027","Compliant written contract and three-business-day service-start wait are distinct prerequisites","S016, §1679d","High—text; actual timing held"],["C028","CROA operative cancellation right is three business days without penalty/obligation","S016, §1679e(a)","High—text"],["C029","Duplicate federal notice says “3rd day”; copies are due at signing","S016, §1679e(b)–(c)","Text high; no invented wording reconciliation"],["C030","Waivers are void; attempted waiver is a violation; noncompliant contracts are void/unenforceable","S016, §1679f","High—text"],["C031","CROA prohibits specified misleading credit statements, identity concealment, service misrepresentation and fraud","S016, §1679b(a)","High—text; no FCRA merits determination"],["C032","CROA damages and enforcement are separate from ordinary cancellation","S016, §§1679g–h","High—text; remedies not awarded here"],["C033","CROA preserves state law except to the extent of inconsistency","S016, §1679j","High—text; precise disputed preemption application held"],["C034","CompuCredit rejects categorical CROA anti-arbitration treatment","S028, 565 U.S.95, 97–104","Controlling narrow holding; clause-specific defenses open"],["C035","TSR requires actual actor/campaign/jurisdiction predicates","S021 relevant definitions","High—text; website alone insufficient"],["C036","Inbound advertising, direct-mail, unsolicited, face-to-face and upsell rules differ","S024, (b)(3)–(7)","High—text; actual sequence matters"],["C037","TSR credit repair requires both timeframe expiry and qualifying provided report","S023, (a)(2)(i)–(ii)","High—text"],["C038","Report must be issued more than six months after results achieved—not six months after enrollment","S023, (a)(2)(ii)","High—text; no 180-day substitution"],["C039","Completed work or an early report is insufficient for the additional TSR condition","S023; S025 credit-repair discussion","High textual application"],["C040","Neighboring recovery-attorney and debt-relief-account provisions do not supply an (a)(2) exception","S023, (a)(2)–(5)","High structural reading"],["C041","Relevant telemarketing cost/refund/performance/affiliation disclosures and prohibitions remain","S022, (a)(1)–(2) relevant clauses","High—text; broader TSR deferred"],["C042","Real actor exclusions must be established separately under each regime","S001–S002; S016; S021–S024","Conditional application"],["C043","Puccio supports actual-representation and future-credit-advice coverage analysis","S027, slip pp.23–28","Persuasive First Circuit holding; not every counselor covered"],["C044","Mixed settlement/repair claims do not erase §332B.10(7) or federal repair predicates","S029(7); S016; S023","Conditional overlap analysis"],["C045","Introduced S.4144 is not adopted as enacted law","S030; S016 current text","Version distinction; latest bill history unavailable"],["C046","No responsive controlling Minnesota interpretation was located and opened for stated gaps","Search record","Bounded search result"],["C047","A fee label, receipt, security or artificial service split does not by itself prove performance","C009–C012, C025, C037","Analytical consequence; actual contract required"],["C048","M01 reconciles $240 only under complete-service/nontelephone assumptions","M01; C010,C025–C029","Fictional conditional model"],["C049","M02’s $600 advance remains unlawful despite security; timely return leaves zero unapplied cash","M02; C009–C018","Fictional; refund does not erase violation"],["C050","M03 distinguishes $150 returned advance from later conditional $600 fee","M03; C037–C040","Arithmetic checked; all result/report assumptions necessary"],["C051","M04 separates earlier completed engagement from defective later contract without deciding final damages","M04; C025,C030–C032","Conditional; no total-remedy ruling"],["C052","Provider receipts/refunds do not themselves reduce creditor debt","Models and stated accounting assumptions","No creditor transfers occur in these models"],["C053","Original P01 overlap row remains historical, not retroactively accepted","Supplied P01 record","Reuse only"],["C054","Current §1679i access failed; 2024 text does not support a new current limitations certificate","S017 and failure record","Held"],["C055","No full FCRA accuracy, deletion, identity-theft or investigation conclusion is supplied","Scope; S023 permissible-purpose preservation","Express boundary"],["C056","Remote/mixed-purpose/local/tribal applications need additional facts and law","S001, S016, S021","Territorial application held"],["C057","No actual registration, exemption, provider, contract or eligibility is established","Evidence limits","Express limitation"],["C058","No component/state/parent/A066/A097/A098 acceptance follows","Scope and self-check","Express limitation"]]},{"headers":["Requested issue/workflow","Status","Claims/models","Exact remaining evidence or next action"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested issue/workflow","Status","Claims/models","Exact remaining evidence or next action"],["Minnesota CSO definition","Answered textually","C004–C005","Actual offer, service and buyer facts"],["2026 DMP/settlement exclusion","Answered narrowly","C002,C007","Actual registration and scope"],["State lender/institutional exclusions","Answered textually","C006","Actual authorization/insurance/category facts"],["State attorney/broker/collector/CRA exclusions","Answered textually","C006","Actual qualifying status and course/scope"],["State nonprofit exclusion","Answered textually","C006","Actual status, operations and historical incorporation application"],["State exemption burden","Answered","C006,C019","No claimant tested"],["Registration/security requirements","Answered for statutory boundary","C008–C009","Forms, §58A.04 implementation and actual status deferred"],["Bond/security versus advance fees","Answered","C009–C012","No applicable exception found"],["Consumer numeric cap/indexing","No cap/adjustment authority established in read bodies","C012","Any asserted separate authority must be produced and read"],["Full-performance restriction","Answered textually","C010,C025","Actual complete promise inventory and performance proof"],["Partial-service/monthly billing","Unresolved generally","C047","Responsive authority and genuinely separate service facts"],["State prohibited representations","Answered narrowly","C013","Actual statements and evidence"],["State disclosure delivery/format","Answered","C014","Actual form and acknowledgment"],["State contract fields","Answered","C016","Actual completed contract and substantiated completion percentage"],["State/federal wording mismatch","Unresolved harmonization","C015,C029","Controlling construction or authoritative conforming-form guidance"],["Ordinary state cancellation/refund","Answered textually","C017–C018","Actual dates, notice and deadline computation"],["State nonwaiver/remedies","Answered at boundary","C019–C020","Full enforcement cross-references and actual damages deferred"],["CROA commerce/consideration/advice coverage","Answered","C021","Actual service and representation facts"],["General education versus paid advice","Partial application","P01–P04","Actual net representation, consideration and service"],["Actual nonprofit versus label","Answered with precedent limits","C023","Real status/operation evidence"],["Own-creditor exclusion","Answered","C022","§1602 status and debt owed to that creditor"],["Depository/credit-union exclusion","Answered","C022","Charter/category/affiliate facts"],["Attorney/publisher/DMP federal boundary","Answered textually","C024","Other actual exceptions or controlling constructions"],["CROA full disclosure and record retention","Answered","C026","Actual separate statement and acknowledgment"],["CROA contract and waiting period","Answered","C027","Actual signing/start dates and contract terms"],["CROA cancellation and copies","Answered textually","C028–C029","Real computation and delivery facts"],["CROA voidness/nonwaiver","Answered","C030","Actual defect and remedy"],["CROA damages/enforcement","Answered narrowly","C032","Actual violation, causation and adjudicated recovery"],["CROA limitations currentness","Held","C054","Updated §1679i body and separate limitations analysis"],["State/federal preemption","Answered generally; application held","C033","Actual asserted inconsistency and controlling construction"],["Arbitration","Answered narrowly","C034","Actual clause, formation and other defenses"],["TSR telephone/actor/jurisdiction predicates","Answered conditionally","C035–C036","Actual campaign and entity facts"],["Inbound advertising/direct mail","Answered","C036","Actual source of call"],["Unsolicited calls/upsells","Answered","C036","Actual transaction sequence"],["Face-to-face","Answered conditionally","P14","Actual sale/payment-authorization timing"],["TSR timeframe expiry","Answered","C037","All represented timeframes"],["TSR result/report sequence","Answered","C038–C039","Actual results, issue date, delivery and report contents"],["Permissible purpose","Boundary preserved","C055","Separate FCRA authority and facts; no report requested"],["Debt-relief/account-rule overlap","Answered narrowly","C040,C044","Actual dual service and fee characterization"],["Neighboring attorney exception","Answered: not imported","C040","No general credit-repair attorney exemption"],["TSR disclosures/misrepresentations","Answered narrowly","C041","Actual script and claims"],["P01 unpaid reporting","Completed conditionally","P01","No publisher safe harbor"],["P02 paid education","Completed conditionally","P02","Actual purpose and sales impression"],["P03 individualized advice","Completed","P03,M01","Model predicates stipulated"],["P04 cash-flow-only work","Completed conditionally","P04","No automatic repair representation"],["P05 mixed dispute/settlement","Completed with boundary","P05","Separate applicable predicates"],["P06 disclaimer conflict","Completed with precedent","P06","Actual full representation record"],["P07 attorney","Completed conditionally","P07","State scope/federal coverage"],["P08 generic nonprofit","Completed","P08","Missing qualification remains missing"],["P09 genuine nonprofit","Completed conditionally","P09","No real entity tested"],["P10 creditor","Completed conditionally","P10","Own-debt predicate"],["P11 bank-account vendor","Completed","P11","Account relationship is not institution status"],["P12 bonded CSO","Completed","P12,M02","No security-based fee exception"],["P13 inbound/upsell","Completed conditionally","P13","Actual call facts"],["P14 face-to-face","Completed conditionally","P14","No CROA/state exemption inferred"],["P15 incomplete/early report","Completed","P15,M03","No premature collection supported"],["P16 cancellation/waiver/arbitration","Completed with limits","P16,M04","Actual clause/defect/remedy"],["M01 completed advice ledger","Completed conditionally","C048","No unperformed additional promise"],["M02 security/cancellation ledger","Completed","C049","No actual customer or provider"],["M03 TSR result/report ledger","Completed conditionally","C050","All hypothetical dates and evidence essential"],["M04 prior fee/defect/refund ledger","Completed conditionally","C051","Final damages and integration of contracts held"],["Creditor-balance separation","Completed","C052","No creditor transfers modeled"],["Material enactments/currentness","Partial with exact limits","C001–C003,C038,C045","Historical date chains and post-source-currency developments"],["Responsive Minnesota rules/final interpretations","Not located in bounded search","C046","Further official rule/order/opinion research on exact gaps"],["Published federal decisions","Read with stated limits","C023,C034,C043","Complete citator/subsequent-history review not performed"],["Original P01 crosswalk","Preserved below","C053","No duplicate accepted row"],["Ordinary settlement/DMP earnings","Deferred","C058","Separate components; not credit-repair permission"],["Referral compensation","Deferred","C058","P07 unreviewed answer not used"],["Registry/provider status/NMLS forms","Deferred","C057","No lookup or checklist certification"],["Full bond/trust controls","Deferred","C058","Separate operational/security work"],["FCRA accuracy/investigation/identity theft","Individually deferred","C055","Actual reporting issue and governing evidence rules"],["Tax/sector and professional ethics","Individually deferred","C058","Actual activity and professional authority"],["Collection litigation/limitations","Individually deferred","C054,C058","Separate procedural/remedy analysis"],["Wage/bank/property enforcement","Individually deferred","C058","Separate state dimensions"],["Remote/mixed-purpose/territorial issues","Partial/held","C056","Actual connections and governing law"],["Local/tribal/sovereign issues","Deferred","C056","Specific territorial and sovereign authority"],["Parent-state/A066/A097/A098 completion","Not established","C058","Remaining dimensions remain open"]]},{"headers":["Original component","Original status","Original claim","Original remaining action"],"index":19,"links":[],"row_links":[[],[]],"rows":[["Original component","Original status","Original claim","Original remaining action"],["Federal TSR and CROA overlap","Unresolved","C019","Read operative federal provisions and applicable exceptions"]]}],"claims":[{"claim_id":"S_MN-P08-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Actor/predicate, step or clock, and consequence":"Minnesota displays and federal currency dates are limited as stated","Authority/pinpoint":"S001, S013, S016–S024","Confidence/limits":"High as version finding; no complete later-law certificate"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Actor/predicate, step or clock, and consequence":"2026 §58 changes the state DMP/settlement exclusion, effective August 1, 2026, 12:01 a.m.","Authority/pinpoint":"S010–S012; reviewed act-level context","Confidence/limits":"High for narrow amendment; no entity qualification"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Actor/predicate, step or clock, and consequence":"Original and 2020 amendments were read selectively; their complete historical date chains were not reconstructed","Authority/pinpoint":"S014–S015","Confidence/limits":"Explicit historical limit"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Actor/predicate, step or clock, and consequence":"Minnesota CSO coverage includes the specified paid improvement/obtaining/advice activities","Authority/pinpoint":"S001, subd.3(a)","Confidence/limits":"High—text"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Actor/predicate, step or clock, and consequence":"Buyer and extension-of-credit definitions impose the stated individual/consumer-purpose predicates","Authority/pinpoint":"S001, subds.2,4","Confidence/limits":"High—text; mixed-purpose facts held"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Actor/predicate, step or clock, and consequence":"State exclusions require their actual conditions; claimant bears burden","Authority/pinpoint":"S001, subd.3(b); S002","Confidence/limits":"High—text"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Actor/predicate, step or clock, and consequence":"DMP/settlement registration exclusion is scope-limited, not blanket credit-repair permission","Authority/pinpoint":"S010 §58; S029(7)","Confidence/limits":"High textual limitation"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Actor/predicate, step or clock, and consequence":"Covered Minnesota offering/advertising/contracts require registration; charges and term are government matters","Authority/pinpoint":"S003, subds.1–7","Confidence/limits":"High—text; operational status deferred"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Actor/predicate, step or clock, and consequence":"$10,000 bond or accepted substitute security is distinct from consumer payments","Authority/pinpoint":"S004","Confidence/limits":"High—text"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Actor/predicate, step or clock, and consequence":"Covered CSO actors cannot charge/receive before full and complete agreed performance","Authority/pinpoint":"S005, subd.1(1)","Confidence/limits":"High—text; actual performance must be proved"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Actor/predicate, step or clock, and consequence":"Salesperson-bond provision is not an advance-fee exception","Authority/pinpoint":"S005, subd.2, read with subd.1(1)","Confidence/limits":"High combined reading"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Actor/predicate, step or clock, and consequence":"No applicable customer-trust advance-fee exception or numeric consumer-fee cap was found in these bodies","Authority/pinpoint":"S001–S009","Confidence/limits":"Bounded textual finding, not all-law certification"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. 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Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C035","Actor/predicate, step or clock, and consequence":"TSR requires actual actor/campaign/jurisdiction predicates","Authority/pinpoint":"S021 relevant definitions","Confidence/limits":"High—text; website alone insufficient"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C036","Actor/predicate, step or clock, and consequence":"Inbound advertising, direct-mail, unsolicited, face-to-face and upsell rules differ","Authority/pinpoint":"S024, (b)(3)–(7)","Confidence/limits":"High—text; actual sequence matters"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C037","Actor/predicate, step or clock, and consequence":"TSR credit repair requires both timeframe expiry and qualifying provided report","Authority/pinpoint":"S023, (a)(2)(i)–(ii)","Confidence/limits":"High—text"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C038","Actor/predicate, step or clock, and consequence":"Report must be issued more than six months after results achieved—not six months after enrollment","Authority/pinpoint":"S023, (a)(2)(ii)","Confidence/limits":"High—text; no 180-day substitution"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C039","Actor/predicate, step or clock, and consequence":"Completed work or an early report is insufficient for the additional TSR condition","Authority/pinpoint":"S023; S025 credit-repair discussion","Confidence/limits":"High textual application"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C040","Actor/predicate, step or clock, and consequence":"Neighboring recovery-attorney and debt-relief-account provisions do not supply an (a)(2) exception","Authority/pinpoint":"S023, (a)(2)–(5)","Confidence/limits":"High structural reading"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C041","Actor/predicate, step or clock, and consequence":"Relevant telemarketing cost/refund/performance/affiliation disclosures and prohibitions remain","Authority/pinpoint":"S022, (a)(1)–(2) relevant clauses","Confidence/limits":"High—text; broader TSR deferred"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C042","Actor/predicate, step or clock, and consequence":"Real actor exclusions must be established separately under each regime","Authority/pinpoint":"S001–S002; S016; S021–S024","Confidence/limits":"Conditional application"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C043","Actor/predicate, step or clock, and consequence":"Puccio supports actual-representation and future-credit-advice coverage analysis","Authority/pinpoint":"S027, slip pp.23–28","Confidence/limits":"Persuasive First Circuit holding; not every counselor covered"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C044","Actor/predicate, step or clock, and consequence":"Mixed settlement/repair claims do not erase §332B.10(7) or federal repair predicates","Authority/pinpoint":"S029(7); S016; S023","Confidence/limits":"Conditional overlap analysis"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C045","Actor/predicate, step or clock, and consequence":"Introduced S.4144 is not adopted as enacted law","Authority/pinpoint":"S030; S016 current text","Confidence/limits":"Version distinction; latest bill history unavailable"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C046","Actor/predicate, step or clock, and consequence":"No responsive controlling Minnesota interpretation was located and opened for stated gaps","Authority/pinpoint":"Search record","Confidence/limits":"Bounded search result"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C047","Actor/predicate, step or clock, and consequence":"A fee label, receipt, security or artificial service split does not by itself prove performance","Authority/pinpoint":"C009–C012, C025, C037","Confidence/limits":"Analytical consequence; actual contract required"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C048","Actor/predicate, step or clock, and consequence":"M01 reconciles $240 only under complete-service/nontelephone assumptions","Authority/pinpoint":"M01; C010,C025–C029","Confidence/limits":"Fictional conditional model"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C049","Actor/predicate, step or clock, and consequence":"M02’s $600 advance remains unlawful despite security; timely return leaves zero unapplied cash","Authority/pinpoint":"M02; C009–C018","Confidence/limits":"Fictional; refund does not erase violation"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C050","Actor/predicate, step or clock, and consequence":"M03 distinguishes $150 returned advance from later conditional $600 fee","Authority/pinpoint":"M03; C037–C040","Confidence/limits":"Arithmetic checked; all result/report assumptions necessary"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C051","Actor/predicate, step or clock, and consequence":"M04 separates earlier completed engagement from defective later contract without deciding final damages","Authority/pinpoint":"M04; C025,C030–C032","Confidence/limits":"Conditional; no total-remedy ruling"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C052","Actor/predicate, step or clock, and consequence":"Provider receipts/refunds do not themselves reduce creditor debt","Authority/pinpoint":"Models and stated accounting assumptions","Confidence/limits":"No creditor transfers occur in these models"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C053","Actor/predicate, step or clock, and consequence":"Original P01 overlap row remains historical, not retroactively accepted","Authority/pinpoint":"Supplied P01 record","Confidence/limits":"Reuse only"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C054","Actor/predicate, step or clock, and consequence":"Current §1679i access failed; 2024 text does not support a new current limitations certificate","Authority/pinpoint":"S017 and failure record","Confidence/limits":"Held"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C055","Actor/predicate, step or clock, and consequence":"No full FCRA accuracy, deletion, identity-theft or investigation conclusion is supplied","Authority/pinpoint":"Scope; S023 permissible-purpose preservation","Confidence/limits":"Express boundary"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C056","Actor/predicate, step or clock, and consequence":"Remote/mixed-purpose/local/tribal applications need additional facts and law","Authority/pinpoint":"S001, S016, S021","Confidence/limits":"Territorial application held"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C057","Actor/predicate, step or clock, and consequence":"No actual registration, exemption, provider, contract or eligibility is established","Authority/pinpoint":"Evidence limits","Confidence/limits":"Express limitation"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"claim_id":"S_MN-P08-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C058","Actor/predicate, step or clock, and consequence":"No component/state/parent/A066/A097/A098 acceptance follows","Authority/pinpoint":"Scope and self-check","Confidence/limits":"Express limitation"},"raw_table_index":17,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."}],"sources":[{"source_id":"S_MN-P08-S001","urls":["https://www.revisor.mn.gov/statutes/cite/332.52","https://www.revisor.mn.gov/statutes/cite/332.52?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S001","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.52","Actual read scope, version/effect, and limitation":"Fresh complete definitions and warning/history; especially subds. 2–4. Displayed 2025, with 2026 §58 overlay required."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative definitions/exclusions and warning/history","finding":"Paid covered purposes, buyer and credit definitions; all exclusions checked. Clarify December31,1990 identifies incorporated IRC version, NOT nonprofit formation deadline. Actual credentials/course/scope still required."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S002","urls":["https://www.revisor.mn.gov/statutes/cite/332.53","https://www.revisor.mn.gov/statutes/cite/332.53?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S002","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.53","Actual read scope, version/effect, and limitation":"Fresh complete waiver/exemption-burden body."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative body/history","finding":"Invalid consumer waiver and burden on claimant of exclusion verified."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S003","urls":["https://www.revisor.mn.gov/statutes/cite/332.54","https://www.revisor.mn.gov/statutes/cite/332.54?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S003","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.54","Actual read scope, version/effect, and limitation":"Fresh registration subdivisions; relied on subds. 1–7. Subd. 8’s §58A.04 cross-reference observed but not fully analyzed."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete subds1–8/history","finding":"Government registration fee1000perlocation, June30,30dayupdates and required submissions. Subd8 incorporated58A.04 not substantively developed; no consumer feecap inference."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S004","urls":["https://www.revisor.mn.gov/statutes/cite/332.55","https://www.revisor.mn.gov/statutes/cite/332.55?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S004","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.55","Actual read scope, version/effect, and limitation":"Fresh complete bond/security paragraph and history. No advance-fee trust exception."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative paragraph/history","finding":"Annual10ksecurity/June30, surety beneficiary and commissioner-accepted cash or eligible securities substitute. No advance-fee customer trust exception."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S005","urls":["https://www.revisor.mn.gov/statutes/cite/332.56","https://www.revisor.mn.gov/statutes/cite/332.56?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S005","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.56","Actual read scope, version/effect, and limitation":"Fresh complete subds. 1–2. Actor list, full performance, referral-only charge, deception and salesperson-bond provision."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete subds1–2/history","finding":"Full-complete-performance condition and separate referral/deception/salesperson-bond clauses. No numeric consumer cap found in checked bodies; not all-law clearance."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S006","urls":["https://www.revisor.mn.gov/statutes/cite/332.57","https://www.revisor.mn.gov/statutes/cite/332.57?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S006","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.57","Actual read scope, version/effect, and limitation":"Fresh complete subds. 1–2 and prescribed statement. Format, delivery and acknowledgment requirements."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete disclosure body/history","finding":"Precontract/payment whicheverfirst,bold10point, signedcopy2years,60daycreditfile and3businessday wording. Not treated as complete FCRA advice or replacement legal form."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S007","urls":["https://www.revisor.mn.gov/statutes/cite/332.58","https://www.revisor.mn.gov/statutes/cite/332.58?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S007","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.58","Actual read scope, version/effect, and limitation":"Fresh complete subds. 1–3, including all contract fields and cancellation wording."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete subds1–3/history","finding":"Contract fields/completionpercent,5day cancellation/10day return after seller receipt, duplicate same-language detachable notice and older30day credit-file text; harmonization unresolved, not silently rewritten."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S008","urls":["https://www.revisor.mn.gov/statutes/cite/332.59","https://www.revisor.mn.gov/statutes/cite/332.59?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S008","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.59","Actual read scope, version/effect, and limitation":"Fresh complete operative paragraph. Enforcement cross-references identified, not separately developed."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative body/history","finding":"Crossreferences8.31/45.027/325F69 confirmed, full remedies bodies not checked here."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S009","urls":["https://www.revisor.mn.gov/statutes/cite/332.60","https://www.revisor.mn.gov/statutes/cite/332.60?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S009","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332.60","Actual read scope, version/effect, and limitation":"Fresh complete damages/remedies paragraph."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative paragraph/history","finding":"Damages-from-violation predicate, paid-amount floor, fees and possible punitive relief; no automatic judgment/refund amount."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S010","urls":["https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0","https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S010","Issuer and complete HTTPS URL":"Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/2026/0/124/laws.1.58.0","Actual read scope, version/effect, and limitation":"Fresh complete article 1 §58 and adjacent section boundary, parsed lines 1587–1616. One enacted document; no full-act fresh-read claim."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"article1 section58 lines1587–1616 and next-section boundary","finding":"Actual enacted replacement of prorating exclusion with registered DMP/settlement withincourse/scope, not inherited marketer exclusion or permission to claim credit improvement."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S011","urls":["https://www.house.mn.gov/NewLaws/story/2026/5756","https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S011","Issuer and complete HTTPS URL":"Minnesota House Public Information: https://www.house.mn.gov/NewLaws/story/2026/5756","Actual read scope, version/effect, and limitation":"Fresh official chapter effective-date summary, especially line 240. Official secondary record, not enacted wording."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"official summary effective-date paragraph line240","finding":"Official SECONDARY Aug1unlessnoted corroboration only, not enacted clause."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S012","urls":["https://www.revisor.mn.gov/statutes/cite/645.02","https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S012","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/645.02","Actual read scope, version/effect, and limitation":"Fresh complete operative default-date and 12:01 a.m. provisions."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"complete operative body","finding":"Aug1nonappropriation/July1appropriation and12:01am; selectedsection noownclause. Precise act classification is datedP02reuse, not new fullactaudit."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S013","urls":["https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S013","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Actual read scope, version/effect, and limitation":"Fresh targeted regular-session index entries around §332.52 and Chapters 332A/332B. Not a later-session completeness certificate."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"index lines302–308, especially304","finding":"Actual332.52subd3 amendment entry. Targeted regular-session index not exhaustive later/special-session check."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S014","urls":["https://www.revisor.mn.gov/laws/1991/0/314/","https://www.revisor.mn.gov/laws/1991/0/314/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S014","Issuer and complete HTTPS URL":"Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/1991/0/314/","Actual read scope, version/effect, and limitation":"Fresh selected original CSO sections, especially §§4–9 and signature. Original date chain not fully reconstructed."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"fresh selected bond/performance excerpts and sections7boundary only","finding":"Historical selected text corroboration, not whole sections4–9 reread or historical effective-date chain certification. Researcher broader read remains attributed."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S015","urls":["https://www.revisor.mn.gov/laws/2020/0/80/","https://www.revisor.mn.gov/laws/2020/0/80/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S015","Issuer and complete HTTPS URL":"Minnesota Legislature/Revisor: https://www.revisor.mn.gov/laws/2020/0/80/","Actual read scope, version/effect, and limitation":"Fresh article 1 §§24–26; article boundary and separate article 2 effective clause inspected. No misplaced application of article 2’s date clause."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"article1 sections24–26 redlines, actual638–649;article2end effective boundary","finding":"Fresh30dayupdate and revised60day/3businessday disclosure. Article2 end sections1–34 effective clause not automatically applied to article1. Exact historical effective chain retained as partial."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S016","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679a/","https://uscode.house.gov/us/usc/119-120/t15/s1679b/","https://uscode.house.gov/us/usc/119-120/t15/s1679c/","https://uscode.house.gov/us/usc/119-120/t15/s1679d/","https://uscode.house.gov/us/usc/119-120/t15/s1679e/","https://uscode.house.gov/us/usc/119-120/t15/s1679f/","https://uscode.house.gov/us/usc/119-120/t15/s1679g/","https://uscode.house.gov/us/usc/119-120/t15/s1679h/","https://uscode.house.gov/us/usc/119-120/t15/s1679j/","https://uscode.house.gov/us/usc/119-120/t15/s1679a/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679b/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679c/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679d/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679e/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679f/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679h/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1679j/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S016","Issuer and complete HTTPS URL":"OLRC, current CROA: https://uscode.house.gov/us/usc/119-120/t15/s1679a/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679b/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679c/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679d/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679e/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679f/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679g/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679h/ ; https://uscode.house.gov/us/usc/119-120/t15/s1679j/","Actual read scope, version/effect, and limitation":"Fresh operative bodies and relevant notes; current through PL119-120, October 7, 2026. One codified statutory subchapter accessed through section pages. Enforcement read only as necessary; no full remedies dossier."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"1679a–g,j bodies and a editorial redesignation note, multiple official sections grouped as one source","finding":"Coverage/exclusions, performance, separate disclosure/2yrreceipt, contract/startwait/cancellation/nonwaiver/voidness/damages/state-law clauses read. Currency throughPL119-120Oct7,2026; h not freshly read, i historical dated source not reopened."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S017","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm?utm_source=chatgpt.com","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S017","Issuer and complete HTTPS URL":"GPO, official 2024 CROA compilation: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap41-subchapII-A.htm ; PDF: https://www.govinfo.gov/content/pkg/USCODE-2024-title15/pdf/USCODE-2024-title15-chap41-subchapII-A.pdf","Actual read scope, version/effect, and limitation":"Fresh complete operative §§1679a–j initially read; relevant PDF pages visually inspected. Later reconciled with S016. §1679i remains this dated body because the updated route failed."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"DatedgovinfoS017notfreshlyreopened; broader history remains researcher-attributed."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S018","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1602/","https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S018","Issuer and complete HTTPS URL":"OLRC: https://uscode.house.gov/us/usc/119-120/t15/s1602/","Actual read scope, version/effect, and limitation":"Fresh relevant (f)–(g) and qualification paragraphs; current through October 7, 2026. Not a full TILA analysis."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"f andg current text","finding":"Credit currentlyf; creditor currentlyg with own limitations. Read relevant first paragraphs; not every special-purpose definition consequence."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S019","urls":["https://uscode.house.gov/us/usc/119-120/t12/s1813/","https://uscode.house.gov/us/usc/119-120/t12/s1813/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S019","Issuer and complete HTTPS URL":"OLRC: https://uscode.house.gov/us/usc/119-120/t12/s1813/","Actual read scope, version/effect, and limitation":"Fresh relevant (a)–(c), including depository versus insured-depository definitions. Same currency limit."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"a1–2,b1–3,c1–5 selected paragraphs","finding":"Depository institution differs from insured depository institution; account vendor does not become bank. No actual institution status/preemption decision."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S020","urls":["https://uscode.house.gov/us/usc/119-120/t12/s1752/","https://uscode.house.gov/us/usc/119-120/t12/s1752/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S020","Issuer and complete HTTPS URL":"OLRC: https://uscode.house.gov/us/usc/119-120/t12/s1752/","Actual read scope, version/effect, and limitation":"Fresh relevant federal/state credit-union definitions, particularly (1), (6), (7). Same currency limit."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"1,6,7 definitions","finding":"Federal/state/insured credit-union definitions distinct; actual status held."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S021","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S021","Issuer and complete HTTPS URL":"OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Actual read scope, version/effect, and limitation":"Fresh relevant person, customer, seller, telemarketer, telemarketing and upsell definitions. Display through October 23, 2026."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"n,o,y,ee,hh,ii,jj and relevant surrounding text","finding":"Seller/telemarketer/interstate campaign/upsell and debt-relief definitions separate. Titlebanner10/23amended10/19 not particular-section amendment date."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S022","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S022","Issuer and complete HTTPS URL":"OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","Actual read scope, version/effect, and limitation":"Fresh necessary (a)(1) cost/restriction/refund disclosures and (a)(2) performance/refund/affiliation prohibitions. Broader TSR deferred."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"fresh header/a1 introductory disclosure sentence only; previousMN07selectedreuse","finding":"Do not label whole new310.3 check. Broader disclosure/assistance discussion uses datedMN07selectedreview11:02:37, not reverified or complete TSR audit."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S023","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S023","Issuer and complete HTTPS URL":"OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual read scope, version/effect, and limitation":"Fresh complete (a)(2), adjacent (a)(3), and necessary (a)(5) comparison/account language. Currentness as S021."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"a2,a3,a4,a5i–ii,versionbanner","finding":"Both credit-repair payment predicates; report ISSUED morethan6months after results, provided before request/receive. Neighbor a3 attorney exception and a5 dedicatedaccount conditions not imported. Retrieved banner10/15amended10/1 is older than other sections; no unified10/27currency claimed."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S024","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S024","Issuer and complete HTTPS URL":"OFR/eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Actual read scope, version/effect, and limitation":"Fresh responsive exemptions and exceptions, particularly (b)(3)–(7). No universal exemption inferred."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"completeb3–7 incl exceptions","finding":"Face-to-face, unsolicited, advertisements/directmail credit-repair carveouts and upsell distinct; B2B residual provisions retained."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S025","urls":["https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule","https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S025","Issuer and complete HTTPS URL":"FTC, 68 FR 4580: https://www.federalregister.gov/documents/2003/01/29/03-1811/telemarketing-sales-rule","Actual read scope, version/effect, and limitation":"Fresh targeted §310.4(a)(2) explanation, printed pp. 4615–4616, reproduced rule and effective-date statement. HTML rendition of published final rule; not complete 6,739-line read or official-PDF verification."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"DATES;printed4615creditrepairparagraph638–639 and nextheading","finding":"2003final explanation retained provision; ordinary debt collection distinct from telemarketing sale. SelectedHTML not entire6739lines/officialPDF/pixelcheck. CurrentCFRcontrols; historicala5number not currenta5."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S026","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/","https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S026","Issuer and complete HTTPS URL":"First Circuit opinion, published republication: https://law.justia.com/cases/federal/appellate-courts/F3/409/473/561496/","Actual read scope, version/effect, and limitation":"Fresh Zimmerman, 409 F.3d 473, particularly merits discussion and disposition. Official retrieval attempt failed; republication status disclosed. No underlying tax record inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"published opinion reproduced, operative paragraphs70–104/date header","finding":"Two nonprofit/501c3 conditions; pleading dismissal vacated/remanded, allegations not final facts. MeritsMay31,2005;July20rehearingmetadata distinguished. Nonofficial primary-opinion reproduction, not citator."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S027","urls":["https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf","https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S027","Issuer and complete HTTPS URL":"First Circuit: https://www.ca1.uscourts.gov/sites/ca1/files/opnfiles/09-1416P-01A.pdf","Actual read scope, version/effect, and limitation":"Fresh Puccio, 613 F.3d 60; relevant official majority body and disposition; pages visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"cover/dispositionintroduction and slip23–28 selectedtext","finding":"PublishedJuly27,2010 actual forward-looking credit advice/representations/disclaimer analysis; a3 affirmed, a4 unnecessary to reach. Not Minnesota state construction; no whole36page/pixel/citatorcheck."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S028","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S028","Issuer and complete HTTPS URL":"Supreme Court/GPO: https://www.govinfo.gov/content/pkg/USREPORTS-565/pdf/USREPORTS-565-95.pdf","Actual read scope, version/effect, and limitation":"Fresh CompuCredit, 565 U.S. 95; majority pp. 97–104, including scope qualification. Relevant pages visually inspected. Original Supreme Court legacy URL failed; official GPO route succeeded."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"majority97–104selected passages incl98n1/conclusion","finding":"Jan10,2012 reversal/remand; CROA no categorical arbitration prohibition under FAA, without adjudicating all contract defenses or organization predicate. SelectedPDFtext, no pixel/full23page/currentcitatorcertification."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S029","urls":["https://www.revisor.mn.gov/statutes/cite/332B.10","https://www.revisor.mn.gov/statutes/cite/332B.10?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S029","Issuer and complete HTTPS URL":"Minnesota Revisor: https://www.revisor.mn.gov/statutes/cite/332B.10","Actual read scope, version/effect, and limitation":"Fresh narrow clause (7) and necessary surrounding text. No P07 reliance or settlement overview."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"clauses1–9,especially7","finding":"Settlement no-effect/improvement claims prohibition persists; state CSO exclusion not permission to promise results."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S030","urls":["https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf","https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S030","Issuer and complete HTTPS URL":"Congress/GPO, introduced S.4144: https://www.govinfo.gov/content/pkg/BILLS-119s4144is/pdf/BILLS-119s4144is.pdf","Actual read scope, version/effect, and limitation":"Fresh introduced-version title/status and selected proposed provisions; first page visually inspected. March 19, 2026 introduction, not enacted authority or complete current bill-status determination."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"introduced cover andselected2/3/6/8provisions","finding":"ISMarch19,2026 proposal,180day/attorney/state-licensechanges not adopted as law. No exhaustive currentbillstatus or postOct7legislativecertificate."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"source_id":"S_MN-P08-S031","urls":["https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P08-S031","Issuer and complete HTTPS URL":"FTC staff guide: https://www.ftc.gov/business-guidance/resources/complying-telemarketing-sales-rule","Actual read scope, version/effect, and limitation":"Fresh targeted credit-repair payment section, especially lines 904–913, and limited jurisdiction discussion. Staff guidance; historical portions not adopted as current rules."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"creditrepair section904–913 via find result","finding":"Staffguide longest representedtimeframe/two predicates and permissiblepurpose; not binding newexemption/cap/general credit-file advice. Currentrule text controls."},"coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."}],"coverage":[{"topic":"Minnesota CSO definition","researcher_record":{"Requested issue/workflow":"Minnesota CSO definition","Status":"Answered textually","Claims/models":"C004–C005","Exact remaining evidence or next action":"Actual offer, service and buyer facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"2026 DMP/settlement exclusion","researcher_record":{"Requested issue/workflow":"2026 DMP/settlement exclusion","Status":"Answered narrowly","Claims/models":"C002,C007","Exact remaining evidence or next action":"Actual registration and scope"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State lender/institutional exclusions","researcher_record":{"Requested issue/workflow":"State lender/institutional exclusions","Status":"Answered textually","Claims/models":"C006","Exact remaining evidence or next action":"Actual authorization/insurance/category facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State attorney/broker/collector/CRA exclusions","researcher_record":{"Requested issue/workflow":"State attorney/broker/collector/CRA exclusions","Status":"Answered textually","Claims/models":"C006","Exact remaining evidence or next action":"Actual qualifying status and course/scope"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State nonprofit exclusion","researcher_record":{"Requested issue/workflow":"State nonprofit exclusion","Status":"Answered textually","Claims/models":"C006","Exact remaining evidence or next action":"Actual status, operations and historical incorporation application"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State exemption burden","researcher_record":{"Requested issue/workflow":"State exemption burden","Status":"Answered","Claims/models":"C006,C019","Exact remaining evidence or next action":"No claimant tested"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Registration/security requirements","researcher_record":{"Requested issue/workflow":"Registration/security requirements","Status":"Answered for statutory boundary","Claims/models":"C008–C009","Exact remaining evidence or next action":"Forms, §58A.04 implementation and actual status deferred"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Bond/security versus advance fees","researcher_record":{"Requested issue/workflow":"Bond/security versus advance fees","Status":"Answered","Claims/models":"C009–C012","Exact remaining evidence or next action":"No applicable exception found"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Consumer numeric cap/indexing","researcher_record":{"Requested issue/workflow":"Consumer numeric cap/indexing","Status":"No cap/adjustment authority established in read bodies","Claims/models":"C012","Exact remaining evidence or next action":"Any asserted separate authority must be produced and read"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Full-performance restriction","researcher_record":{"Requested issue/workflow":"Full-performance restriction","Status":"Answered textually","Claims/models":"C010,C025","Exact remaining evidence or next action":"Actual complete promise inventory and performance proof"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Partial-service/monthly billing","researcher_record":{"Requested issue/workflow":"Partial-service/monthly billing","Status":"Unresolved generally","Claims/models":"C047","Exact remaining evidence or next action":"Responsive authority and genuinely separate service facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State prohibited representations","researcher_record":{"Requested issue/workflow":"State prohibited representations","Status":"Answered narrowly","Claims/models":"C013","Exact remaining evidence or next action":"Actual statements and evidence"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State disclosure delivery/format","researcher_record":{"Requested issue/workflow":"State disclosure delivery/format","Status":"Answered","Claims/models":"C014","Exact remaining evidence or next action":"Actual form and acknowledgment"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State contract fields","researcher_record":{"Requested issue/workflow":"State contract fields","Status":"Answered","Claims/models":"C016","Exact remaining evidence or next action":"Actual completed contract and substantiated completion percentage"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State/federal wording mismatch","researcher_record":{"Requested issue/workflow":"State/federal wording mismatch","Status":"Unresolved harmonization","Claims/models":"C015,C029","Exact remaining evidence or next action":"Controlling construction or authoritative conforming-form guidance"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Ordinary state cancellation/refund","researcher_record":{"Requested issue/workflow":"Ordinary state cancellation/refund","Status":"Answered textually","Claims/models":"C017–C018","Exact remaining evidence or next action":"Actual dates, notice and deadline computation"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State nonwaiver/remedies","researcher_record":{"Requested issue/workflow":"State nonwaiver/remedies","Status":"Answered at boundary","Claims/models":"C019–C020","Exact remaining evidence or next action":"Full enforcement cross-references and actual damages deferred"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA commerce/consideration/advice coverage","researcher_record":{"Requested issue/workflow":"CROA commerce/consideration/advice coverage","Status":"Answered","Claims/models":"C021","Exact remaining evidence or next action":"Actual service and representation facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"General education versus paid advice","researcher_record":{"Requested issue/workflow":"General education versus paid advice","Status":"Partial application","Claims/models":"P01–P04","Exact remaining evidence or next action":"Actual net representation, consideration and service"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Actual nonprofit versus label","researcher_record":{"Requested issue/workflow":"Actual nonprofit versus label","Status":"Answered with precedent limits","Claims/models":"C023","Exact remaining evidence or next action":"Real status/operation evidence"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Own-creditor exclusion","researcher_record":{"Requested issue/workflow":"Own-creditor exclusion","Status":"Answered","Claims/models":"C022","Exact remaining evidence or next action":"§1602 status and debt owed to that creditor"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Depository/credit-union exclusion","researcher_record":{"Requested issue/workflow":"Depository/credit-union exclusion","Status":"Answered","Claims/models":"C022","Exact remaining evidence or next action":"Charter/category/affiliate facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Attorney/publisher/DMP federal boundary","researcher_record":{"Requested issue/workflow":"Attorney/publisher/DMP federal boundary","Status":"Answered textually","Claims/models":"C024","Exact remaining evidence or next action":"Other actual exceptions or controlling constructions"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA full disclosure and record retention","researcher_record":{"Requested issue/workflow":"CROA full disclosure and record retention","Status":"Answered","Claims/models":"C026","Exact remaining evidence or next action":"Actual separate statement and acknowledgment"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA contract and waiting period","researcher_record":{"Requested issue/workflow":"CROA contract and waiting period","Status":"Answered","Claims/models":"C027","Exact remaining evidence or next action":"Actual signing/start dates and contract terms"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA cancellation and copies","researcher_record":{"Requested issue/workflow":"CROA cancellation and copies","Status":"Answered textually","Claims/models":"C028–C029","Exact remaining evidence or next action":"Real computation and delivery facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA voidness/nonwaiver","researcher_record":{"Requested issue/workflow":"CROA voidness/nonwaiver","Status":"Answered","Claims/models":"C030","Exact remaining evidence or next action":"Actual defect and remedy"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA damages/enforcement","researcher_record":{"Requested issue/workflow":"CROA damages/enforcement","Status":"Answered narrowly","Claims/models":"C032","Exact remaining evidence or next action":"Actual violation, causation and adjudicated recovery"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"CROA limitations currentness","researcher_record":{"Requested issue/workflow":"CROA limitations currentness","Status":"Held","Claims/models":"C054","Exact remaining evidence or next action":"Updated §1679i body and separate limitations analysis"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"State/federal preemption","researcher_record":{"Requested issue/workflow":"State/federal preemption","Status":"Answered generally; application held","Claims/models":"C033","Exact remaining evidence or next action":"Actual asserted inconsistency and controlling construction"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Arbitration","researcher_record":{"Requested issue/workflow":"Arbitration","Status":"Answered narrowly","Claims/models":"C034","Exact remaining evidence or next action":"Actual clause, formation and other defenses"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"TSR telephone/actor/jurisdiction predicates","researcher_record":{"Requested issue/workflow":"TSR telephone/actor/jurisdiction predicates","Status":"Answered conditionally","Claims/models":"C035–C036","Exact remaining evidence or next action":"Actual campaign and entity facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Inbound advertising/direct mail","researcher_record":{"Requested issue/workflow":"Inbound advertising/direct mail","Status":"Answered","Claims/models":"C036","Exact remaining evidence or next action":"Actual source of call"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Unsolicited calls/upsells","researcher_record":{"Requested issue/workflow":"Unsolicited calls/upsells","Status":"Answered","Claims/models":"C036","Exact remaining evidence or next action":"Actual transaction sequence"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Face-to-face","researcher_record":{"Requested issue/workflow":"Face-to-face","Status":"Answered conditionally","Claims/models":"P14","Exact remaining evidence or next action":"Actual sale/payment-authorization timing"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"TSR timeframe expiry","researcher_record":{"Requested issue/workflow":"TSR timeframe expiry","Status":"Answered","Claims/models":"C037","Exact remaining evidence or next action":"All represented timeframes"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"TSR result/report sequence","researcher_record":{"Requested issue/workflow":"TSR result/report sequence","Status":"Answered","Claims/models":"C038–C039","Exact remaining evidence or next action":"Actual results, issue date, delivery and report contents"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Permissible purpose","researcher_record":{"Requested issue/workflow":"Permissible purpose","Status":"Boundary preserved","Claims/models":"C055","Exact remaining evidence or next action":"Separate FCRA authority and facts; no report requested"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Debt-relief/account-rule overlap","researcher_record":{"Requested issue/workflow":"Debt-relief/account-rule overlap","Status":"Answered narrowly","Claims/models":"C040,C044","Exact remaining evidence or next action":"Actual dual service and fee characterization"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Neighboring attorney exception","researcher_record":{"Requested issue/workflow":"Neighboring attorney exception","Status":"Answered: not imported","Claims/models":"C040","Exact remaining evidence or next action":"No general credit-repair attorney exemption"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"TSR disclosures/misrepresentations","researcher_record":{"Requested issue/workflow":"TSR disclosures/misrepresentations","Status":"Answered narrowly","Claims/models":"C041","Exact remaining evidence or next action":"Actual script and claims"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P01 unpaid reporting","researcher_record":{"Requested issue/workflow":"P01 unpaid reporting","Status":"Completed conditionally","Claims/models":"P01","Exact remaining evidence or next action":"No publisher safe harbor"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P02 paid education","researcher_record":{"Requested issue/workflow":"P02 paid education","Status":"Completed conditionally","Claims/models":"P02","Exact remaining evidence or next action":"Actual purpose and sales impression"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P03 individualized advice","researcher_record":{"Requested issue/workflow":"P03 individualized advice","Status":"Completed","Claims/models":"P03,M01","Exact remaining evidence or next action":"Model predicates stipulated"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P04 cash-flow-only work","researcher_record":{"Requested issue/workflow":"P04 cash-flow-only work","Status":"Completed conditionally","Claims/models":"P04","Exact remaining evidence or next action":"No automatic repair representation"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P05 mixed dispute/settlement","researcher_record":{"Requested issue/workflow":"P05 mixed dispute/settlement","Status":"Completed with boundary","Claims/models":"P05","Exact remaining evidence or next action":"Separate applicable predicates"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P06 disclaimer conflict","researcher_record":{"Requested issue/workflow":"P06 disclaimer conflict","Status":"Completed with precedent","Claims/models":"P06","Exact remaining evidence or next action":"Actual full representation record"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P07 attorney","researcher_record":{"Requested issue/workflow":"P07 attorney","Status":"Completed conditionally","Claims/models":"P07","Exact remaining evidence or next action":"State scope/federal coverage"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P08 generic nonprofit","researcher_record":{"Requested issue/workflow":"P08 generic nonprofit","Status":"Completed","Claims/models":"P08","Exact remaining evidence or next action":"Missing qualification remains missing"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P09 genuine nonprofit","researcher_record":{"Requested issue/workflow":"P09 genuine nonprofit","Status":"Completed conditionally","Claims/models":"P09","Exact remaining evidence or next action":"No real entity tested"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P10 creditor","researcher_record":{"Requested issue/workflow":"P10 creditor","Status":"Completed conditionally","Claims/models":"P10","Exact remaining evidence or next action":"Own-debt predicate"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P11 bank-account vendor","researcher_record":{"Requested issue/workflow":"P11 bank-account vendor","Status":"Completed","Claims/models":"P11","Exact remaining evidence or next action":"Account relationship is not institution status"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P12 bonded CSO","researcher_record":{"Requested issue/workflow":"P12 bonded CSO","Status":"Completed","Claims/models":"P12,M02","Exact remaining evidence or next action":"No security-based fee exception"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P13 inbound/upsell","researcher_record":{"Requested issue/workflow":"P13 inbound/upsell","Status":"Completed conditionally","Claims/models":"P13","Exact remaining evidence or next action":"Actual call facts"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P14 face-to-face","researcher_record":{"Requested issue/workflow":"P14 face-to-face","Status":"Completed conditionally","Claims/models":"P14","Exact remaining evidence or next action":"No CROA/state exemption inferred"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P15 incomplete/early report","researcher_record":{"Requested issue/workflow":"P15 incomplete/early report","Status":"Completed","Claims/models":"P15,M03","Exact remaining evidence or next action":"No premature collection supported"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"P16 cancellation/waiver/arbitration","researcher_record":{"Requested issue/workflow":"P16 cancellation/waiver/arbitration","Status":"Completed with limits","Claims/models":"P16,M04","Exact remaining evidence or next action":"Actual clause/defect/remedy"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"M01 completed advice ledger","researcher_record":{"Requested issue/workflow":"M01 completed advice ledger","Status":"Completed conditionally","Claims/models":"C048","Exact remaining evidence or next action":"No unperformed additional promise"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"M02 security/cancellation ledger","researcher_record":{"Requested issue/workflow":"M02 security/cancellation ledger","Status":"Completed","Claims/models":"C049","Exact remaining evidence or next action":"No actual customer or provider"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"M03 TSR result/report ledger","researcher_record":{"Requested issue/workflow":"M03 TSR result/report ledger","Status":"Completed conditionally","Claims/models":"C050","Exact remaining evidence or next action":"All hypothetical dates and evidence essential"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"M04 prior fee/defect/refund ledger","researcher_record":{"Requested issue/workflow":"M04 prior fee/defect/refund ledger","Status":"Completed conditionally","Claims/models":"C051","Exact remaining evidence or next action":"Final damages and integration of contracts held"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Creditor-balance separation","researcher_record":{"Requested issue/workflow":"Creditor-balance separation","Status":"Completed","Claims/models":"C052","Exact remaining evidence or next action":"No creditor transfers modeled"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Material enactments/currentness","researcher_record":{"Requested issue/workflow":"Material enactments/currentness","Status":"Partial with exact limits","Claims/models":"C001–C003,C038,C045","Exact remaining evidence or next action":"Historical date chains and post-source-currency developments"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Responsive Minnesota rules/final interpretations","researcher_record":{"Requested issue/workflow":"Responsive Minnesota rules/final interpretations","Status":"Not located in bounded search","Claims/models":"C046","Exact remaining evidence or next action":"Further official rule/order/opinion research on exact gaps"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Published federal decisions","researcher_record":{"Requested issue/workflow":"Published federal decisions","Status":"Read with stated limits","Claims/models":"C023,C034,C043","Exact remaining evidence or next action":"Complete citator/subsequent-history review not performed"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Original P01 crosswalk","researcher_record":{"Requested issue/workflow":"Original P01 crosswalk","Status":"Preserved below","Claims/models":"C053","Exact remaining evidence or next action":"No duplicate accepted row"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Ordinary settlement/DMP earnings","researcher_record":{"Requested issue/workflow":"Ordinary settlement/DMP earnings","Status":"Deferred","Claims/models":"C058","Exact remaining evidence or next action":"Separate components; not credit-repair permission"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Referral compensation","researcher_record":{"Requested issue/workflow":"Referral compensation","Status":"Deferred","Claims/models":"C058","Exact remaining evidence or next action":"P07 unreviewed answer not used"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Registry/provider status/NMLS forms","researcher_record":{"Requested issue/workflow":"Registry/provider status/NMLS forms","Status":"Deferred","Claims/models":"C057","Exact remaining evidence or next action":"No lookup or checklist certification"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Full bond/trust controls","researcher_record":{"Requested issue/workflow":"Full bond/trust controls","Status":"Deferred","Claims/models":"C058","Exact remaining evidence or next action":"Separate operational/security work"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"FCRA accuracy/investigation/identity theft","researcher_record":{"Requested issue/workflow":"FCRA accuracy/investigation/identity theft","Status":"Individually deferred","Claims/models":"C055","Exact remaining evidence or next action":"Actual reporting issue and governing evidence rules"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Tax/sector and professional ethics","researcher_record":{"Requested issue/workflow":"Tax/sector and professional ethics","Status":"Individually deferred","Claims/models":"C058","Exact remaining evidence or next action":"Actual activity and professional authority"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Collection litigation/limitations","researcher_record":{"Requested issue/workflow":"Collection litigation/limitations","Status":"Individually deferred","Claims/models":"C054,C058","Exact remaining evidence or next action":"Separate procedural/remedy analysis"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Wage/bank/property enforcement","researcher_record":{"Requested issue/workflow":"Wage/bank/property enforcement","Status":"Individually deferred","Claims/models":"C058","Exact remaining evidence or next action":"Separate state dimensions"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Remote/mixed-purpose/territorial issues","researcher_record":{"Requested issue/workflow":"Remote/mixed-purpose/territorial issues","Status":"Partial/held","Claims/models":"C056","Exact remaining evidence or next action":"Actual connections and governing law"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Local/tribal/sovereign issues","researcher_record":{"Requested issue/workflow":"Local/tribal/sovereign issues","Status":"Deferred","Claims/models":"C056","Exact remaining evidence or next action":"Specific territorial and sovereign authority"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."},{"topic":"Parent-state/A066/A097/A098 completion","researcher_record":{"Requested issue/workflow":"Parent-state/A066/A097/A098 completion","Status":"Not established","Claims/models":"C058","Exact remaining evidence or next action":"Remaining dimensions remain open"},"raw_table_index":18,"coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]","coordinator_wording_qualification":"The report phrase December31,1990 incorporation language means incorporation by reference of that IRC version. It does NOT require a nonprofit to have been formed by that date. Original did not explicitly assert that condition; annotate precision, no material rule reversal established."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_MN-P08-creditrepair-cancellation-exemption-currentness-holds-20261027","status":"scoped_review_complete_creditrepair_cancellation_exemption_currentness_holds","at":"2026-10-27T11:27:08.123732+00:00"}]}