{"meta":{"key":"s_ms--pass-01","task":"S_MS","title":"SMS Mississippi provider market access and consumer fees","parent_title":"Mississippi debt and debt relief law","edition":"pass-01","path":"/research/s_ms--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":10,"claims":39,"sources":21,"review_status":"revise","review_complete":true,"sha256":"7399242c60956b6a937bcf7dd9592cee188f34460ee5074ac4a78f82c4075e14","headings":["Component conclusion","1. How Mississippi classifies the relevant conduct","A.1 Classification matrix","A.2 Consumer versus commercial purpose","A.3 Resident and remote-provider nexus","2. Which models are licensed, prohibited, or excluded","A.4 Core market-access results","A.5 The for-profit settlement exclusion","A.6 Other statutory exclusions","A.7 Nonprofits","A.8 Attorneys","A.9 Original creditors and institutions","3. Consumer fees and fee bases","A.10 Covered/licensed-provider fee schedule","A.11 Percentage, savings, settlement, and aggregate fees","A.12 Currentness and indexing","A.13 Fair-share contributions","A.14 Provider/government charges are not consumer charges","4. When fees may be requested or received","A.15 Mississippi timing for a licensed provider","A.16 Mississippi timing under the for-profit exclusion","A.17 Federal TSR timing—only when the TSR applies","Proportional method","Savings method","Dedicated accounts","A.18 State and federal rules must be kept separate","A.19 Credit-repair overlap","5. Regulator permission, application, and public lookup","A.20 Issuing regulator and legal authority","A.21 Current public application procedure","A.22 Remote-provider access","A.23 Public license verification","A.24 Regulation and examination material","6. Worked fee and boundary examples","Example 1 — Licensed custodial DMP, first service month","Example 2 — Lower-debt licensed DMP","Example 3 — Licensed DMP cancellation after three months","Example 4 — Excluded settlement model plus TSR proportional allocation","Example 5 — TSR savings method","Example 6 — Consumer approves settlement but makes no payment","Example 7 — Fee received before settlement approval","Example 8 — Noncustodial DMP","Example 9 — Lawyer label without established lawful-practice facts","Example 10 — Business-purpose obligation","Example 11 — Prior-fee consistency under the proportional method","7. Component boundaries","C.1 Classification and exclusions","C.2 Licensing and state fees","C.3 Federal timing, processors, cases, and remaining verification","Actually read","Search-rendered or reconstructed locators, not fully opened","Not read or not verified","Process and mode"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MS/pass-01","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"FreshMississippiprovider-access/feescomponentonly; allbroaderstatecategoriesrequired","pending_corrections":0},"markdown":"# S_MS PASS-01 — Mississippi provider market access and consumer fees\n\n**Research/access date:** October 24, 2026, Pacific.\n**Earlier baseline:** October 22, 2026 was treated only as the requested baseline, not as the current-verification date.\n**Scope:** Mississippi provider classification, market access, consumer fees, and materially necessary state/federal timing boundaries only. This is not the full Mississippi dossier.\n\n## Component conclusion\n\nMississippi has **two materially different pathways**:\n\n1. A person that, for a fee or other consideration, receives or controls consumer funds, arranges their distribution, negotiates or settles obligations, or offers credit-improvement services is generally a covered **debt management service provider**. When dealing with Mississippi-resident consumers, the provider must hold a Mississippi license unless a statutory exclusion applies. Provider location is not the controlling fact. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n2. Mississippi expressly excludes a narrow category of **for-profit** providers from the provider definition, but only when all three conditions are met: the provider does not receive or hold consumer funds; does not receive a fee before the consumer approves a settlement; and is “regulated by the Federal Trade Commission.” That is a definitional exclusion—not a Mississippi license, registration, approval, or endorsement. The meaning of the FTC-regulation condition remains materially unresolved. [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\nFor the licensed/covered branch, Mississippi uses a **closed dollar-fee menu**: $75 one-time setup, $30 monthly maintenance after free initial counseling, $15 individual or $25 joint credit-report charge, up to $50 for optional educational courses/products, and a narrowly qualified $50 bankruptcy consultation. The statute does not list a separate percentage-of-debt, percentage-of-savings, per-debt, or settlement-success fee. [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/)\n\nFor a provider that truly satisfies the for-profit exclusion, Chapter 22 supplies **no fee-amount formula or percentage ceiling**. It supplies only the state exclusion’s delayed-receipt condition. That does not mean an unlimited fee is lawful: general consumer-protection, contract, attorney, credit-repair, and other potentially applicable laws remain unreviewed in this component.\n\nWhen the federal Telemarketing Sales Rule applies, it independently prohibits both requesting and receiving the debt-relief fee until at least one debt has been altered through a valid agreement, the consumer has made at least one payment under that agreement, and the fee is allocated using one of the permitted methods. Mississippi settlement approval alone is not enough. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe Act remains effective. In 2026, HB 1265 removed the former July 1, 2026 repeal date, effective July 1, 2026. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com)\n\n# A. Substantive findings\n\n## 1. How Mississippi classifies the relevant conduct\n\nMississippi’s statutory definition is based on **what the business actually does**, not whether it calls itself credit counseling, debt resolution, legal services, financial wellness, payment processing, or settlement.\n\n### A.1 Classification matrix\n\n| Actual conduct | Mississippi clause | PASS-01 result | Material boundary |\n| --- | --- | --- | --- |\n| Provider receives a consolidated consumer payment and distributes it among creditors | Miss. Code § 81-22-3(b)(i), and often (iii) | Covered debt management service; license required for Mississippi-resident consumers absent an exclusion. **S_MS-P1-C004** | Licensed funds-handling requirements become relevant. |\n| Provider does not take possession of money but arranges or assists the consumer in distributing payments | § 81-22-3(b)(ii) | Covered. Noncustody by itself does not remove the license requirement. **C005** | The for-profit exclusion has two additional conditions beyond noncustody. |\n| Provider has direct or indirect control over funds or arranges control, even through another entity | § 81-22-3(b)(iii) | Covered. **C004/C034** | An outside account or processor label does not answer whether the provider exercises control. |\n| Provider negotiates interest concessions, payment extensions, principal reductions, settlements, discharges, or other altered payment terms | § 81-22-3(b)(iv) | Covered settlement/negotiation activity unless an exclusion applies. **C006** | Principal reduction and conventional DMP concessions are both within the language. |\n| Provider promises or offers to improve a consumer’s credit record, history, or rating | § 81-22-3(b)(v) | Covered state activity, potentially with separate federal credit-repair overlap. **C007/C037** | Actual representations control; incidental credit improvement from settling debt is not automatically the same as selling credit repair. |\n| Standalone general budgeting education, without arranging debt, negotiating, controlling payments, or offering credit improvement | No direct clause found | Probably outside this definition, but only on those narrow facts. **C007** | Calling a settlement program “education” does not change its actual functions. |\n| Truly gratuitous service | Provider definition requires fee or “other consideration” | Potentially outside the provider definition. **C003** | Creditor contributions, affiliate payments, lead compensation, or other indirect value may be “other consideration”; no official interpretation was located. |\n| Provider is remote or headquartered outside Mississippi but serves a Mississippi resident | § 81-22-5(1) | License nexus established unless excluded. **C008** | The dated DBCF list contains numerous out-of-state licensees, confirming an operational remote-provider pathway. |\n| Business-purpose or LLC obligation | “Consumer” and “obligation” are not defined in Chapter 22 | **Held unresolved. C015** | The trade-association exclusion expressly mentions debts with business establishments, but that does not conclusively define all commercial-debt coverage. |\n| Original creditor restructures only its own account | No express general self-creditor exclusion in Chapter 22 | **Partial/held. C016** | A creditor acting only for itself may not be an “intermediary,” but affiliate, multi-creditor, fee, servicing, and marketing facts can change the result. |\n\nThe operative clauses separately reach custody, payment arrangement, indirect control, and negotiation. A provider therefore cannot avoid coverage merely by having the consumer pay creditors directly or by placing funds with a separate processor. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\n### A.2 Consumer versus commercial purpose\n\nChapter 22 repeatedly uses “consumer,” but the chapter materials read for this pass do not define that word or add an express “personal, family, or household” qualifier to “obligation.” The existence of an exclusion for bona fide trade or mercantile associations arranging debts with business establishments suggests that at least some business-related conduct was contemplated, but it does not establish a general rule for LLC debts, sole-proprietor debts, mixed-purpose cards, guarantees, or business credit.\n\n**Result:** no commercial-purpose fee or market-access conclusion should be published from this pass. Obtain an official DBCF interpretation or controlling Mississippi decision before treating business debts as categorically included or excluded.\n\n### A.3 Resident and remote-provider nexus\n\nSection 81-22-3(c) addresses services offered to a consumer “in this state,” while § 81-22-5 expressly forbids unlicensed activity with respect to consumers who are Mississippi residents. The clear case is therefore a remote provider offering covered services to a Mississippi resident: the provider’s out-of-state office does not eliminate the Mississippi license requirement. A nonresident temporarily located in Mississippi presents a narrower unresolved wording issue not needed for the ordinary market-access conclusion. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\n## 2. Which models are licensed, prohibited, or excluded\n\nMississippi does not generally prohibit debt management or settlement as a business category. It uses a **license-or-exclusion framework**.\n\n### A.4 Core market-access results\n\n| Business model | Mississippi result | Governing condition |\n| --- | --- | --- |\n| Custodial DMP/payment-distribution program | License required unless separately excluded | § 81-22-3(b)(i)/(iii); § 81-22-5 |\n| Noncustodial DMP/concession program | License required unless separately excluded | § 81-22-3(b)(ii)/(iv); noncustody alone is insufficient |\n| Principal-reduction/debt-settlement provider that receives or holds consumer funds | License required; cannot use § 81-22-3(c)(xi) | The exclusion expressly requires no receipt or holding of consumer funds |\n| For-profit, noncustodial settlement provider that receives no fee before consumer approval and is FTC-regulated | Excluded from “provider” definition if **all** conditions are established | § 81-22-3(c)(xi) |\n| Nonprofit credit counselor/DMP | License required unless another exclusion applies or no fee/consideration exists | Nonprofit status is not a statutory exclusion |\n| Attorney-led program | Excluded only when the actual attorney/law-practice requirements are satisfied | § 81-22-3(c)(i), (ii), and (x) |\n| Bank or other qualifying institution | Potential entity exclusion | § 81-22-3(c)(ix); exact institution status must be proven |\n| Standalone processor | Processor status does not determine provider status | Actual receipt, access, control, chain-of-distribution, contracts, and provider functions control |\n\n### A.5 The for-profit settlement exclusion\n\nSection 81-22-3(c)(xi) requires all of the following:\n\n1. **For-profit status.**\n2. The provider **does not receive or hold consumer funds**.\n3. The provider **does not receive a fee before the consumer approves a settlement**.\n4. The provider is **regulated by the FTC**.\n\nFailure of any condition leaves the business inside the provider definition unless another exclusion applies. [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\nImportant limitations:\n\n- This is not a special Mississippi debt-settlement license.\n- It does not certify the provider’s contracts, advertising, fee amount, performance, or federal compliance.\n- It does not say that every for-profit entity is “regulated by the FTC.”\n- It does not define “settlement,” “approved,” or “regulated.”\n- It does not say whether a noncustodial DMP concession qualifies as a “settlement.”\n- It addresses **receiving** a fee, not expressly requesting one.\n- It does not establish proportional allocation among multiple debts.\n\nThe phrase “regulated by the Federal Trade Commission” is the largest unresolved permission issue. No Mississippi regulation, published DBCF interpretation, or merits decision defining that phrase was located. General FTC Act jurisdiction, actual TSR coverage, and the Mississippi phrase should not be assumed to be coextensive.\n\n### A.6 Other statutory exclusions\n\n| Exclusion | Conditions that must actually exist |\n| --- | --- |\n| Incidental debt adjusting in law practice | Conduct must be incidental to lawful practice of law in Mississippi. |\n| Credit-report correction or credit-improvement work by lawyer | Must be performed in lawful practice of law in Mississippi. |\n| Licensed attorney | Attorney must actually be licensed and engaged in lawful law practice; attaching a lawyer’s name to a vendor is not enough. |\n| Title insurer | Debt adjustment must occur from escrow funds and only incidentally in its regular principal business. |\n| Court actors | Judicial officer or another person acting under a court order. |\n| CPA | Debt adjusting must be incidental to lawful certified-public-accounting practice. |\n| Trade or mercantile association | Must be bona fide and arranging adjustment of debts with business establishments. |\n| Employer | Adjusting debts for its own employees. |\n| Loan disburser | Loan made at debtor’s request; debtor authorizes adjustment; adjustment occurs solely by disbursing loan proceeds; and no compensation is taken for adjusting the debts. |\n| Financial institution | Must actually be an institution regulated, supervised, or licensed by DBCF, or an out-of-state institution insured by FDIC or NCUA. |\n\nThese conditions appear in § 81-22-3(c)(i)-(x). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\n### A.7 Nonprofits\n\nA nonprofit label is not an exclusion. The DBCF application page expressly asks a nonprofit applicant for its IRS exemption letter, which is operational evidence that nonprofits can be license applicants. The statute also confines the $50 bankruptcy consultation charge to a nonprofit credit-counseling agency approved under 11 U.S.C. § 111. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/consumer-finance/)\n\nA genuinely free nonprofit service might fall outside the provider definition because no fee or other consideration is received. That conclusion cannot be made merely from “free to the consumer”: creditor fair-share contributions, affiliate compensation, grants tied to accounts, or other value may matter.\n\n### A.8 Attorneys\n\nThere are three attorney-related provisions, and they should not be collapsed into a blanket lawyer exemption. Two depend on work being performed incidentally or within lawful Mississippi law practice; the third refers to licensed attorneys engaged in lawful practice. The actual bar authorization, attorney-client relationship, scope of representation, supervision, fee recipient, nonlawyer ownership/fee sharing, and whether the debt service is genuinely legal practice remain factual questions.\n\nIn *Rigsby*, the Mississippi Court of Appeals described a Florida lawyer, a $75 action-plan fee, a $29 monthly retainer, and a separate company receiving and forwarding DMP payments. The court expressly treated the Debt Management Services Act violations and illegal-fee assertions as allegations and decided only the forum-selection dispute. It did not validate the lawyer arrangement or decide the licensing and fee merits. [Justia Law+1](https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html)\n\n### A.9 Original creditors and institutions\n\nMississippi does not reproduce the express original-creditor exclusion found in federal CROA. A creditor modifying only the debt owed directly to itself usually does not look like an “intermediary between a consumer and one or more creditors,” but that is a textual inference rather than a located Mississippi ruling. An affiliated settlement company, multi-creditor platform, separately compensated servicer, or provider marketing services to the consumer may produce a different result.\n\nThe institutional exclusion also should not be extended automatically to contractors, affiliates, lead generators, or law firms merely because a bank is somewhere in the transaction.\n\n## 3. Consumer fees and fee bases\n\n### A.10 Covered/licensed-provider fee schedule\n\nSection 81-22-13 states that a debt management provider may charge only the listed consumer fees. The current amounts carried forward after HB 1265 are:\n\n| Fee category | Statutory base | Maximum | Conditions and timing | Refund/credit result in this pass |\n| --- | --- | --- | --- | --- |\n| Initial counseling | Initial counseling session | **$0** | Must precede a monthly maintenance charge | No contrary exception located |\n| Setup | One-time setup | **$75 once** | Written agreement must precede performance; no more specific statutory earning trigger located | No express setup-fee refund or proration formula located |\n| Maintenance | Per month | **$30/month** | Only after a free initial counseling session | Cancellation right exists; no statutory monthly proration formula located |\n| Credit report | Report obtained | **$15 individual / $25 joint** | Must actually be for obtaining the consumer’s report | No frequency or refund formula located |\n| Educational course/product category | Educational courses/products | **$50** | Must assist financial stability, be educational, and be disclosed as optional rather than mandatory | No separate refund rule located |\n| Bankruptcy consultation | Per consumer | **$50** | Only a nonprofit credit-counseling agency approved by the U.S. Trustees under 11 U.S.C. § 111 | No separate refund rule located |\n\n### A.11 Percentage, savings, settlement, and aggregate fees\n\nFor the licensed branch:\n\n- No separate percentage-of-enrolled-debt fee appears.\n- No percentage-of-savings fee appears.\n- No per-creditor or per-settlement charge appears.\n- No settlement-success charge appears.\n- No debt-size-based aggregate ceiling appears.\n- No CPI or other indexing clause appears.\n\nBecause § 81-22-13 says a provider may **only** charge the enumerated fees, a covered provider cannot use Chapter 22 as authority for an additional 15%, 20%, 25%, per-debt, or savings-based settlement fee. A business that wants such a fee cannot simply call itself licensed; it would have to establish that it is outside the provider definition, including every § 81-22-3(c)(xi) condition, and then satisfy all other applicable law.\n\nFor the excluded § 81-22-3(c)(xi) branch, Chapter 22 does not provide an amount cap, savings formula, proportional formula, or aggregate fee ceiling. This pass therefore does **not** establish a state-only lawful percentage. Any example using a percentage below is expressly conditional on the federal TSR and is not Mississippi approval of that amount.\n\n### A.12 Currentness and indexing\n\nHB 1265 removed the former repeal provision and took effect July 1, 2026. DBCF describes the statutory change as removal of the repeal date, and the official bill search rendering identifies the carried-forward Debt Management Services Act. No amendment to the fee amounts or indexing formula was identified. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com)\n\nAccordingly:\n\n- $75, $30, $15/$25, $50, and $50 are the verified fixed statutory maxima for this component.\n- No annual inflation calculation should be performed.\n- No historical DBCF chart or obsolete repeal heading should override the 2026 continuation legislation.\n\n### A.13 Fair-share contributions\n\nA “fair share contribution” is a voluntary creditor payment to the licensee for collecting client funds. It is not one of the enumerated consumer fees. When a licensee participates in fair-share contributions, the consumer’s account must receive credit for the full payment due, not merely the net amount after the creditor contribution. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\nWhether a creditor payment constitutes “other consideration” for determining provider status in a nominally free program was not interpreted by an authority located in this pass.\n\n### A.14 Provider/government charges are not consumer charges\n\nThe $750 initial license fee, $475 annual renewal fee, bond/deposit requirements, NMLS processing charges, examination fees, and late-renewal penalties are expenses of the provider or licensee. They are not additions to the consumer fee menu.\n\nThe 2026 renewal memo stated a $475 debt-management renewal charge, a $1 electronic-online-charge fee, and a then-current $120 NMLS company processing charge. Those are dated 2026-cycle amounts and should not be presented as the 2027 renewal schedule without a new memo. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf)\n\n## 4. When fees may be requested or received\n\n## A.15 Mississippi timing for a licensed provider\n\nA covered provider may not perform debt management services until the consumer and provider have executed a written agreement. The agreement must describe the services, every consumer fee or contribution, the cancellation right, covered obligations, creditor information, and—in a custodial arrangement—the payment schedule and insured institution. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/)\n\nVerified state timing rules:\n\n- The initial counseling session must be free before a monthly maintenance fee is charged.\n- Services cannot be performed before the written agreement.\n- The setup-fee provision does not state a separate completion, earned-fee, or elapsed-time trigger.\n- The credit-report fee is tied to obtaining the report but contains no more specific receipt date.\n- The educational category must be optional.\n- The bankruptcy consultation fee has entity and approval conditions.\n\nThe absence of a more specific Mississippi timing clause is not affirmative authorization to collect before performance where federal law or another state law applies.\n\n## A.16 Mississippi timing under the for-profit exclusion\n\nTo remain within § 81-22-3(c)(xi), the provider must not **receive** a fee before the consumer approves a settlement.\n\nConsequences:\n\n- Receiving an enrollment, setup, monthly, legal, or administrative fee before settlement approval defeats that exclusion condition.\n- A provider that instead operates as a licensed provider may potentially charge the enumerated setup and monthly fees, but it does not thereby gain authority for an additional percentage success fee.\n- “Settlement approved by the consumer” is not defined.\n- The provision does not state whether one approved settlement permits receipt of the entire contracted fee.\n- The provision does not prescribe allocation when multiple debts are enrolled.\n- It does not expressly address a mere request for payment.\n\nThe FTC’s business guide explains, in the federal TSR context, that the creditor agreement must be written while the customer’s approval may occur orally. That staff guidance does not interpret Mississippi’s separate word “approved” and is not a binding Mississippi construction. [Federal Trade Commission+1](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business)\n\n## A.17 Federal TSR timing—only when the TSR applies\n\nThe federal TSR defines a debt-relief service as a represented program that renegotiates, settles, or otherwise alters debt terms with one or more **unsecured** creditors or debt collectors. “Telemarketing” generally requires a plan, program, or campaign using more than one interstate telephone call to induce a purchase. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nOrdinary inbound advertising and direct-mail exemptions do not exempt calls responding to debt-relief advertisements. Other exclusions and exemptions—including certain unsolicited calls, face-to-face transactions, and business-to-business calls—still require factual analysis. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6)\n\nWhen the debt-relief advance-fee rule applies, a seller or telemarketer may not request or receive a fee until:\n\n1. At least one debt has been renegotiated, settled, reduced, or otherwise altered pursuant to a settlement agreement, DMP, or other valid agreement executed by the customer.\n2. The customer has made at least one payment under that agreement.\n3. For debts resolved individually, the fee uses either the proportional-enrolled-balance method or a uniform percentage-of-savings method. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Proportional method\n\nEarned fee for debt=total contracted fee×that debt’s enrolled balanceall enrolled balances\\text{Earned fee for debt}\n=\n\\text{total contracted fee}\n\\times\n\\frac{\\text{that debt's enrolled balance}}\n{\\text{all enrolled balances}}Earned fee for debt=total contracted fee×all enrolled balancesthat debt’s enrolled balance​The balances are measured when the debts were enrolled.\n\n### Savings method\n\nSavings=enrolled balance−amount actually paid to satisfy the debt\\text{Savings}\n=\n\\text{enrolled balance}\n-\n\\text{amount actually paid to satisfy the debt}Savings=enrolled balance−amount actually paid to satisfy the debtEarned fee=uniform contracted savings percentage×savings\\text{Earned fee}\n=\n\\text{uniform contracted savings percentage}\n\\times\n\\text{savings}Earned fee=uniform contracted savings percentage×savingsThe percentage cannot change from one debt to another. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Dedicated accounts\n\nThe TSR permits requiring deposits into a dedicated account only if the account is at an insured institution; the customer owns the funds and interest; the account administrator is independent and unaffiliated; no referral compensation is exchanged; and the customer can withdraw without penalty and receive all funds other than properly earned fees within seven business days. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nA TSR-compliant dedicated account does not automatically prove the Mississippi provider “does not receive or hold consumer funds.” The state phrase and the broader state control-of-funds language have not been authoritatively reconciled.\n\n## A.18 State and federal rules must be kept separate\n\n| Event | Mississippi § 81-22-3(c)(xi) | Federal TSR, when applicable |\n| --- | --- | --- |\n| Consumer signs provider contract | Not enough | Not enough |\n| Consumer deposits money in qualifying dedicated account | Not itself a provider fee; state custody characterization unresolved | Permitted only under the dedicated-account safeguards |\n| Consumer approves creditor settlement | State delayed-receipt condition may now be satisfied | Still not enough |\n| Consumer makes first payment under valid settlement | No additional Chapter 22 trigger stated | Federal performance trigger satisfied for that debt, subject to allocation |\n| Provider wants full portfolio fee after first debt | State chapter gives no allocation answer | Prohibited; only permitted debt-level allocation may be charged |\n\nThus, the controlling operational rule for a covered telemarketing model is the **later and more restrictive applicable trigger**, not whichever rule permits collection first.\n\n## A.19 Credit-repair overlap\n\nMississippi’s own definition includes offering to improve a credit record, history, or rating. Separately, federal CROA generally covers a person using interstate commerce or the mails, for consideration, for the express or implied purpose of improving an individual consumer’s credit record, history, or rating or advising on such activity. Federal CROA excludes qualifying § 501(c)(3) nonprofits, creditors restructuring their own debts, and qualifying depository institutions and credit unions. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1679a/)\n\nCROA prohibits charging or receiving consideration for an agreed credit-repair service before that service is fully performed. If telemarketing representations concern removing derogatory information or improving credit, the TSR’s separate credit-repair rule also requires expiration of the represented service period and a consumer report issued more than six months after the claimed result. These are separate from the debt-relief settlement trigger. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n*Beech* involved allegations that a debt-forgiveness program would repair credit and improve the consumer’s score while charging $296.95 monthly. The court denied class certification based on individualized contract and Rule 23 problems; it did not adjudicate Mississippi Chapter 22 market access or validate the fees. [Justia Law+2](https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1%3A2022cv00057/114389/98/)\n\n## 5. Regulator permission, application, and public lookup\n\n### A.20 Issuing regulator and legal authority\n\nThe regulator is the **Mississippi Department of Banking and Consumer Finance, Nonbank Division**, acting through the Commissioner of Banking and Consumer Finance. Section 81-22-5 requires a license for covered activity involving Mississippi-resident consumers. The Commissioner must evaluate financial soundness, responsibility, insurance coverage, consumer education, character, and fitness before issuance. Action is due within 30 days after the application is accepted as complete, subject to the statutory hearing mechanism. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/)\n\n### A.21 Current public application procedure\n\nDBCF currently directs debt-management applications and renewals through NMLS. Its published minimum requirements include:\n\n- $750 initial application fee and $475 renewal fee.\n- $50,000 surety bond, or $50,000 cash, certificate of deposit, or government bond in lieu.\n- Most recent fiscal-year financial statement.\n- Mississippi Secretary of State registration as required by law.\n- Description of proposed transactions and activities.\n- IRS exemption letter for a nonprofit applicant.\n- Consumer agreement.\n- Applicant fee schedule.\n- Third-party servicing or outsourcing contracts.\n- Narrative explaining how client payments are processed.\n- Education/course/product list with costs.\n\nThe license period is January 1 through December 31 and is not prorated. [Mississippi Banking & Consumer Finance+3](https://dbcf.ms.gov/consumer-finance/)\n\nThese instructions demonstrate a functioning licensing pathway. They do not override the statutory exclusions or establish that an applicant or named company has been approved.\n\n### A.22 Remote-provider access\n\nThe DBCF list dated February 10, 2026, and expressly current “as of 02/09/2026,” contains 28 licensee entries, most located outside Mississippi. It therefore confirms that Mississippi licenses remote providers rather than limiting the license to Mississippi offices. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf)\n\nThe list is not current enough to establish anyone’s authority on October 24, 2026. A company could have surrendered, expired, been suspended, changed name, or been newly approved after February 9.\n\n### A.23 Public license verification\n\nDBCF links to:\n\n- Its own dated PDF list of debt-management licensees.\n- NMLS for applications.\n- NMLS Consumer Access for public license searches.\n\nNMLS/CSBS describes Consumer Access as the public service for confirming whether a financial-services company or professional is authorized in a state. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com)\n\nThe direct DBCF-linked Consumer Access route did not return a usable searchable company record through this research interface. No specific provider name or NMLS ID was supplied, so no provider-specific status conclusion is made. Current authorization must be verified in the company’s NMLS record and, where necessary, against a newly dated DBCF list or direct public agency record.\n\n### A.24 Regulation and examination material\n\nMississippi Administrative Code Title 5, Part 4, Rule 1.3(7) authorizes complaint investigation, voluntary compliance, Attorney General referral, reasonable regulations, licensee examinations, and investigation of suspected unlicensed activity. It provides a $300–$600 in-state-office examination charge plus actual expenses for records located outside Mississippi, generally no more than one examination in two years absent cause. Those are licensee examination costs, not consumer fees. [Mississippi Secretary of State](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf)\n\nNo separate Mississippi administrative rule, bulletin, or published interpretation changing § 81-22-13’s consumer fee amounts or construing § 81-22-3(c)(xi) was located in the official resources searched.\n\n## 6. Worked fee and boundary examples\n\nThese examples are illustrations of the verified structures, not provider approvals or legal opinions about a specific contract. Dollar calculations round to the nearest cent.\n\n### Example 1 — Licensed custodial DMP, first service month\n\n**Facts**\n\n- Mississippi-resident consumer.\n- Provider is currently licensed.\n- Four debts totaling $18,000.\n- Free initial counseling completed.\n- Written agreement executed.\n- Individual credit report actually obtained.\n- First monthly service period begins after counseling.\n- No optional course or bankruptcy consultation.\n\n**Calculation**\n\nPlain text\n```\nOne-time setup fee:                 $75.00\nFirst monthly maintenance fee:      30.00\nIndividual credit-report fee:       15.00\n                                   -------\nFirst-cycle consumer fees:         $120.00\n```\n\n**Result:** maximum illustrated first-cycle fees are **$120**. The $18,000 balance and four-debt count do not increase the statutory caps. If the consumer separately elects qualifying optional education at the $50 maximum, the illustrated total becomes **$170**. **Claims C021-C024.** [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/)\n\n### Example 2 — Lower-debt licensed DMP\n\n**Facts**\n\nSame lawful licensed structure, but enrolled debt is only $400.\n\nPlain text\n```\nSetup:                              $75.00\nFirst monthly maintenance:          30.00\nIndividual report:                  15.00\n                                   -------\nTotal:                             $120.00\n\n$120 ÷ $400 = 0.30 = 30%\n```\n\n**Result:** Chapter 22 does not supply a debt-relative aggregate cap that reduces the enumerated maxima merely because the debt is small. That does **not** establish that every $120 low-balance transaction is fair, nondeceptive, contractually earned, or lawful under other Mississippi law; those issues remain outside this pass.\n\n### Example 3 — Licensed DMP cancellation after three months\n\n**Assumptions**\n\n- Free counseling completed.\n- Setup and report services occurred.\n- Contract provides monthly fees only for months of active service.\n- Written cancellation is delivered before month four.\n\nPlain text\n```\nSetup fee:                          $75.00\nIndividual report:                  15.00\nThree monthly fees: 3 × $30 =       90.00\n                                   -------\nTotal previously charged:          $180.00\nFourth-month fee under assumption:   $0.00\n```\n\n**Result:** no fourth-month fee under the stated contract assumption. Mississippi requires the agreement to contain a written-cancellation right, but this pass did not locate a statutory refund or prorated-credit formula for the $180 already paid. Whether any portion must be returned depends on performance, contract terms, and other law. **Claim C025.** [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/)\n\n### Example 4 — Excluded settlement model plus TSR proportional allocation\n\n**Facts**\n\n- Provider establishes every § 81-22-3(c)(xi) condition.\n- TSR applies.\n- Debt A enrolled balance: $6,000.\n- Debt B enrolled balance: $4,000.\n- Total enrolled balance: $10,000.\n- Total contracted portfolio fee: $2,000.\n- The $2,000 is illustrative, not a Mississippi ceiling or approval.\n- Debt A is altered under a valid creditor agreement, consumer approves, and consumer makes the first payment.\n- Debt B remains unresolved.\n- No earlier fee was received.\n\n**Calculation**\n\nPlain text\n```\nDebt A proportion = $6,000 ÷ $10,000 = 0.60\n\nDebt A earned fee = $2,000 × 0.60\n                  = $1,200.00\n\nDebt B fee now = $0.00\n\nPotential remaining contract allocation:\n$2,000 - $1,200 = $800.00\n```\n\n**Result:** under the federal proportional method, **$1,200** is the maximum fee allocated to Debt A after all triggers. The remaining **$800** cannot be collected merely because Debt A performed; it remains contingent on Debt B satisfying its own trigger. **Claims C027-C031.** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Example 5 — TSR savings method\n\n**Facts**\n\n- Debt A enrolled at $6,000.\n- It is ultimately satisfied for $3,600.\n- Contract uses 25% of savings for every individually resolved debt.\n- Required agreement, approval, and first payment have occurred.\n\n**Calculation**\n\nPlain text\n```\nSavings = $6,000 - $3,600\n        = $2,400\n\nEarned fee = 25% × $2,400\n           = $600.00\n```\n\n**Result:** **$600** for Debt A. An unresolved Debt B produces no current fee. The 25% rate is illustrative and must be the same savings percentage applied to every debt under that fee method. It is not a Mississippi-established percentage cap. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Example 6 — Consumer approves settlement but makes no payment\n\n**Facts**\n\n- Consumer approves a creditor proposal.\n- No payment has yet been made.\n- TSR applies.\n\nPlain text\n```\nMississippi exclusion timing:\nConsumer approval has occurred.\n\nFederal TSR fee:\nNo first payment = $0.00 requestable or receivable.\n```\n\n**Result:** the applicable federal result is **$0**. Mississippi’s approval condition cannot be used to override the later federal trigger. If the TSR does not apply, Mississippi Chapter 22 alone does not answer the amount, portfolio allocation, or general-law validity of the fee.\n\n### Example 7 — Fee received before settlement approval\n\n**Facts**\n\n- For-profit settlement provider receives a $495 “enrollment” fee immediately.\n- Provider does not hold settlement funds.\n- No settlement has been approved.\n\n**Classification**\n\nPlain text\n```\nNoncustody condition:               Satisfied\nDelayed-fee-receipt condition:      Failed\nFTC-regulation condition:           Not reached / unresolved\nSection 81-22-3(c)(xi) exclusion:   Not established\n```\n\n**Result:** the provider cannot rely on § 81-22-3(c)(xi). It falls back into the covered-provider analysis and would need a license unless another exclusion exists. A licensed provider might charge a setup fee only within the $75 statutory maximum; licensing does not authorize the $495 settlement enrollment fee.\n\n### Example 8 — Noncustodial DMP\n\n**Facts**\n\n- Consumer pays creditors directly.\n- Provider negotiates lower rates and payment schedules.\n- Provider charges $30 monthly.\n\n**Result:** noncustody does not remove coverage. The provider is arranging payments and acting as an intermediary under § 81-22-3(b)(ii)/(iv). It needs a license unless it establishes every condition of an exclusion. The monthly fee can fit the licensed menu only after free counseling and subject to the written agreement. Whether a DMP concession constitutes a “settlement” for § 81-22-3(c)(xi) was not resolved. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/)\n\n### Example 9 — Lawyer label without established lawful-practice facts\n\n**Facts**\n\n- A national debt company negotiates the debts and collects fees.\n- An out-of-state lawyer’s name appears in the agreement.\n- No Mississippi bar status, actual representation, supervision, or lawful-practice facts are established.\n\n**Result:** attorney exclusion is **not established**. Classification remains covered/held. *Rigsby* does not validate such a structure; its merits were not decided. [Justia Law+1](https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html)\n\n### Example 10 — Business-purpose obligation\n\n**Facts**\n\n- Borrower is an LLC.\n- Debt financed business inventory.\n- Provider proposes to negotiate a reduction.\n\n**Result:** no lawful consumer-fee path is claimed from this pass. The undefined “consumer” boundary and business-purpose coverage must be resolved before applying the license or fee provisions. The federal TSR’s ordinary business-to-business exemption is a separate federal issue and does not resolve Mississippi coverage.\n\n### Example 11 — Prior-fee consistency under the proportional method\n\nUse the same facts as Example 4. Debt A’s total permitted allocation is $1,200.\n\n#### Case A: prior $500 was lawfully earned after the trigger\n\nPlain text\n```\nDebt A total allocation:            $1,200\nPreviously earned/received:           500\n                                    ------\nAmount remaining for Debt A:          $700\n```\n\nThe remaining $800 of the $2,000 contract fee still belongs only to Debt B’s contingent allocation.\n\n#### Case B: prior $500 was taken before the trigger\n\nThe arithmetic $1,200 - $500 = $700 is numerically correct but does not cure the earlier violation. The provider may not retroactively characterize a prematurely received fee as lawful merely by taking only $700 later. The analysis must separately address:\n\n- Numeric equality.\n- Consistency of the allocation method.\n- Whether the prior $500 was lawfully earned.\n- Whether it was lawfully requested or received.\n- Whether the state exclusion remained available.\n- Any required remedy for the premature fee.\n\n## 7. Component boundaries\n\nThis pass establishes a usable provider-access and fee framework, but it does not imply completion or acceptance of the full Mississippi dossier.\n\nIn particular:\n\n- The Chapter 22 license is a real lawful pathway for covered businesses.\n- Section 81-22-3(c)(xi) is a conditional exclusion, not a special settlement license.\n- No named provider is declared currently authorized.\n- No excluded provider’s percentage fee is declared lawful.\n- No complete contract, bonding, funds, remedies, collection, secured-debt, limitation, local, tribal, or sector-specific analysis is supplied.\n\n# B. Source register\n\n| Source ID | Authority, issuer, and pinpoint | Direct literal URL | Actual access/status and limitations |\n| --- | --- | --- | --- |\n| **S_MS-P1-S001** | *Mississippi Debt Management Services Act*, Mississippi DBCF; §§ 81-22-3, -5, -7, -9, -11, -13, -15, -17, -19, -21, -23, -25, -28; PDF pp. 1–11 | [https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf?utm_source=chatgpt.com) | Relevant operative text actually read; agency-hosted primary locator. PDF carries an obsolete repealer heading and is not independently current without S002/S003. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf) |\n| **S_MS-P1-S002** | Mississippi HB 1265, 2026, as sent to Governor; title and § 1 repeal of § 81-22-31; brought-forward Chapter 22 | [https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf](https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com) | Official Legislature result. Search-rendered text read; direct PDF/HTML fetch returned 502, so full operative bill was not freshly opened. [Bill Status](https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com) |\n| **S_MS-P1-S003** | *Legislative Updates: 2026 Regular Session*, Mississippi DBCF; HB 1265 entry, p. 1 | [https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com) | Actually read and visually inspected. Reports repeal-date removal and July 1, 2026 effective date. Agency summary, not a substitute for every statutory word. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com) |\n| **S_MS-P1-S004** | Mississippi HB 792, 2018, as sent to Governor; amendment adding § 81-22-3(c)(xi), effective July 1, 2018 | [https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm](https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm?utm_source=chatgpt.com) | Official search-rendered locator; direct route was inaccessible. History also appears in the section history of S006. [Bill Status+1](https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm) |\n| **S_MS-P1-S005** | Mississippi HB 687, 2022; reenactment of Chapter 22 and § 81-22-13 fee text | [https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm](https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm?utm_source=chatgpt.com) | Official search-rendered locator; direct HTML route returned 502. Used for history/currentness triangulation, not as the sole fee source. [Bill Status+1](https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm) |\n| **S_MS-P1-S006** | 2025 Mississippi Code mirror, §§ 81-22-3, -5, -9, -11, -13, -15, -28 | [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/?utm_source=chatgpt.com) [https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/?utm_source=chatgpt.com) | Actually read; secondary code mirror. Text matches agency PDF, but its “repealed effective July 1, 2026” heading is stale after HB 1265. [Justia Law+6](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) |\n| **S_MS-P1-S007** | Mississippi DBCF Consumer Finance page; debt-management application requirements and NMLS instructions | [https://dbcf.ms.gov/consumer-finance/](https://dbcf.ms.gov/consumer-finance/?utm_source=chatgpt.com) | Actually read October 24, 2026. Current operational page; no visible legal effective date. Procedure does not substitute for statutory permission. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/consumer-finance/) |\n| **S_MS-P1-S008** | DBCF Debt Management Service Provider List; as of February 9, 2026 | [https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf?utm_source=chatgpt.com) | One-page PDF actually read and visually inspected; 28 entries. Dated and not proof of October 24 status. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf) |\n| **S_MS-P1-S009** | DBCF 2026 NMLS Renewal Industry Memo; Oct. 30, 2025; pp. 1–2 | [https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf?utm_source=chatgpt.com) | Actually read and visually inspected. Applies to the 2026 renewal cycle, not automatically to 2027. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf) |\n| **S_MS-P1-S010** | Mississippi Administrative Code, Title 5, Part 4, Rule 1.3(7), pp. 4–5 | [https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf?utm_source=chatgpt.com) | Actually read and visually inspected. Contains complaint, rulemaking, examination, and unlicensed-activity powers; no separate consumer fee schedule located. [Mississippi Secretary of State](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf) |\n| **S_MS-P1-S011** | *Rigsby v. American Credit Counselors, Inc.*, 2017 Miss. App.; facts ¶¶ 2–3 and forum-selection discussion ¶¶ 14–17 | [https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html](https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html?utm_source=chatgpt.com) | Full relevant passages actually read. Merits of Chapter 22 licensing and fees were not decided. [Justia Law+1](https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html) |\n| **S_MS-P1-S012** | *Beech v. Litigation Practice Group, P.C.*, No. 1:22-cv-57, S.D. Miss., Doc. 98, June 11, 2024 | [https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/](https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/) | Relevant opinion actually read. Class-certification decision under CROA; not a merits construction of Mississippi Chapter 22. [Justia Law+2](https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1%3A2022cv00057/114389/98/) |\n| **S_MS-P1-S013** | 16 C.F.R. § 310.2(o), (ii), debt-relief service and telemarketing definitions | [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) | Exact clauses actually read. eCFR displayed through October 22, 2026. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2) |\n| **S_MS-P1-S014** | 16 C.F.R. § 310.4(a)(2), (5), credit-repair timing, debt-relief performance trigger, allocation, and dedicated accounts | [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) | Exact clauses actually read; eCFR displayed through October 22, 2026. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_MS-P1-S015** | 16 C.F.R. § 310.6(b)(3)-(7), relevant exemptions and debt-relief advertising carve-backs | [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) | Exact clauses actually read; eCFR displayed through October 22, 2026. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6) |\n| **S_MS-P1-S016** | FTC, *Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business* | [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) | Relevant timing and approval discussion actually read. Staff guidance; not binding Mississippi interpretation. [Federal Trade Commission+2](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business) |\n| **S_MS-P1-S017** | 15 U.S.C. § 1679a, CROA definitions and exclusions | [https://uscode.house.gov/us/usc/119-118/t15/s1679a/](https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com) | Exact statutory text actually read; page states laws through Public Law 119-120, October 7, 2026. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1679a/) |\n| **S_MS-P1-S018** | 15 U.S.C. § 1679b(b), CROA advance-payment prohibition | [https://uscode.house.gov/us/usc/119-120/t15/s1679b/](https://uscode.house.gov/us/usc/119-120/t15/s1679b/) | Exact statutory text actually read; current through Public Law 119-120. [U.S. Code](https://uscode.house.gov/us/usc/119-120/t15/s1679b/) |\n| **S_MS-P1-S019** | DBCF Enforcement Actions page | [https://dbcf.ms.gov/enforcement-actions/](https://dbcf.ms.gov/enforcement-actions/) | Actually inspected and searched for debt-management terms. No relevant public entry was located; absence is not proof of no investigation or action. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/enforcement-actions/) |\n| **S_MS-P1-S020** | Mississippi Secretary of State, Mississippi Law/public code access page | [https://www.sos.ms.gov/publications-external-affairs/mississippi-law](https://www.sos.ms.gov/publications-external-affairs/mississippi-law) | Actually read. Linked current-code publisher route exposed only a shell, not usable § 81-22 text. [Mississippi Secretary of State+1](https://www.sos.ms.gov/publications-external-affairs/mississippi-law) |\n| **S_MS-P1-S021** | NMLS Consumer Access / CSBS public-search information | [https://www.nmlsconsumeraccess.org/](https://www.nmlsconsumeraccess.org/) [https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx) | Official public-search description located. Direct Consumer Access route did not expose a usable company search in this interface; no named-provider lookup completed. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com) |\n\n# C. Claim register\n\n## C.1 Classification and exclusions\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_MS-P1-C001** | Chapter 22 remains effective after July 1, 2026 because HB 1265 removed § 81-22-31’s repeal provision, effective July 1, 2026. | S002 title/§ 1; S003 p. 1. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com) | **High.** Full SG PDF was not freshly opened, but official agency enactment summary is explicit. |\n| **C002** | “Debt management service” separately includes receiving payments, arranging distributions, controlling funds, negotiating/settling or altering terms, and offering credit improvement. | S001/S006, § 81-22-3(b)(i)-(v). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C003** | Provider status requires offering or providing covered service to a consumer in Mississippi in return for a fee or other consideration. | S001/S006, § 81-22-3(c). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High;** “other consideration” application to creditor-funded programs is unresolved. |\n| **C004** | A custodial DMP and a model exercising direct or indirect control over consumer funds are covered. | § 81-22-3(b)(i), (iii). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C005** | A noncustodial model that arranges payments or creditor distributions remains covered. | § 81-22-3(b)(ii). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C006** | Principal-reduction, settlement, concession, discharge, extension, and other payment-term negotiations are covered intermediary activity. | § 81-22-3(b)(iv). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C007** | Offering credit improvement is covered; pure general education without any listed activity is not expressly included. | § 81-22-3(b)(v); § 81-22-13(d). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | Credit-improvement clause **high**; pure-education boundary is a **textual inference, medium**. |\n| **C008** | A remote provider serving Mississippi-resident consumers must be licensed unless excluded. | § 81-22-5(1); S008 remote licensee addresses. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/) | **High** for Mississippi residents. |\n| **C009** | The § 81-22-3(c)(xi) exclusion requires for-profit status, no receipt/holding of consumer funds, no fee receipt before consumer settlement approval, and FTC regulation. | S006, § 81-22-3(c)(xi). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High as to text.** |\n| **C010** | Section 81-22-3(c)(xi) is a definitional exclusion, not a license, approval, or fee validation. | Structure of § 81-22-3(c); § 81-22-5. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C011** | “Regulated by the FTC” is undefined in Chapter 22, and no published Mississippi construction was located. | S001/S006; bounded S010/S019/case search. | **Medium/high negative finding;** requires DBCF interpretation or controlling case. |\n| **C012** | Nonprofit status is not a blanket exclusion; DBCF anticipates nonprofit applicants. | No nonprofit exclusion in § 81-22-3(c); S007 nonprofit application item. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** Gratuitous/no-consideration service remains fact-specific. |\n| **C013** | Attorney exclusions depend on actual licensed/lawful law practice and, for clauses (i)-(ii), incidental/performed-in-practice conditions. | § 81-22-3(c)(i), (ii), (x); *Rigsby*. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High as to text;** application to a particular law-firm model requires facts and professional-conduct law. |\n| **C014** | The remaining exclusions are condition-specific: title insurers, court actors, CPA work, trade associations, employers, qualifying loan disbursement, and qualifying institutions. | § 81-22-3(c)(iii)-(ix). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C015** | Commercial/business-purpose coverage is unresolved because “consumer” and “obligation” are not defined with a personal-use qualifier. | § 81-22-3; business-establishment exclusion at (c)(vi). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **Medium; hold.** |\n| **C016** | Chapter 22 has no express general original-creditor exclusion; a creditor acting only for itself may fall outside “intermediary,” but affiliate/multi-creditor facts can change the result. | § 81-22-3(b)(iv), (c). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | First proposition **high**; functional inference **medium**. |\n\n## C.2 Licensing and state fees\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **C017** | Covered activity involving Mississippi-resident consumers requires a DBCF license, and the Commissioner evaluates financial soundness, responsibility, programs, and fitness. | § 81-22-5(1). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/) | **High.** |\n| **C018** | DBCF currently routes debt-management applications and renewals through NMLS and publishes the stated bond, financial, corporate, agreement, fee, processor, and education requirements. | S007, debt-management section. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/consumer-finance/) | **High as current procedure;** webpage is not legal permission by itself. |\n| **C019** | The February 9, 2026 list establishes a real remote-provider license pathway but not current October 24 status. | S008, all entries/date footer. [Mississippi Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf) | **High, time-limited.** |\n| **C020** | The statutory provider charges are $750 initial and $475 annual renewal; the 2026 memo adds dated NMLS/EOC processing amounts and late-cycle instructions. | § 81-22-5(1); S009 pp. 1–2. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/) | Statutory amounts **high**; memo extras limited to 2026 cycle. |\n| **C021** | A covered provider’s consumer-fee menu is $30/month after free counseling, $75 one-time setup, $15/$25 report, $50 optional education, and qualified $50 bankruptcy consultation. | § 81-22-13(a)-(e). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/) | **High.** |\n| **C022** | A separate percentage, savings, per-debt, or settlement-success fee is absent from the exclusive licensed-provider menu. | Opening clause and all items in § 81-22-13. [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/) | **High textual conclusion.** |\n| **C023** | No fee indexing, CPI adjustment, or published current adjustment notice was located; the fixed amounts were continued after HB 1265. | S003; § 81-22-13; bounded official-resource search. [Mississippi Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com) | **High as to statute; medium as negative bulletin search.** |\n| **C024** | Services require a prior written agreement; maintenance fees require prior free counseling; no separate setup-fee completion trigger was found. | § 81-22-11(1)-(2); § 81-22-13(a)-(c). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/) | Agreement/counseling **high**; setup timing gap expressly held. |\n| **C025** | The agreement must permit written cancellation, but Chapter 22 provisions reviewed contain no general consumer-fee refund or proration formula. | § 81-22-11(2)(e); § 81-22-13. [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/) | Cancellation **high**; negative refund finding **medium/high**. |\n| **C026** | Fair-share contributions are voluntary creditor payments, and client accounts must receive full credit rather than net credit. | § 81-22-3(e); § 81-22-15(3). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n| **C027** | The state for-profit exclusion delays fee receipt until consumer settlement approval but supplies no amount or multi-debt allocation formula. | § 81-22-3(c)(xi). [Justia Law](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High as to text;** effect of one settlement on whole fee unresolved. |\n| **C028** | State consumer-fee limits and timing do not authorize collection that separately applicable federal law forbids. | Comparison of § 81-22-3(c)(xi), § 81-22-13, and 16 C.F.R. § 310.4(a)(5). [Justia Law+2](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High.** |\n\n## C.3 Federal timing, processors, cases, and remaining verification\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, currentness, confidence |\n| --- | --- | --- | --- |\n| **C029** | TSR debt-relief timing is conditional on the service and telemarketing definitions and exemptions; it is not universal. | 16 C.F.R. §§ 310.2(o), (ii), 310.6. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2) | **High.** |\n| **C030** | When applicable, TSR fees cannot be requested or received until one debt is altered under a valid agreement and the consumer makes a first payment. | 16 C.F.R. § 310.4(a)(5)(i)(A)-(B). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High.** |\n| **C031** | The TSR proportional method uses the individual debt’s enrollment balance relative to all enrollment balances and the total contracted fee. | § 310.4(a)(5)(i)(C)(1). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High.** |\n| **C032** | The TSR savings method requires one uniform percentage across debts and uses enrolled balance minus amount actually paid to satisfy the debt. | § 310.4(a)(5)(i)(C)(2). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High.** |\n| **C033** | A TSR dedicated account must satisfy insured-account, ownership, independence, no-referral-compensation, withdrawal, and seven-business-day return safeguards. | § 310.4(a)(5)(ii)(A)-(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High.** |\n| **C034** | Mississippi separately reaches indirect control over funds and regulates qualifying third-party payment processors used by licensees. | § 81-22-3(b)(iii), (i); § 81-22-28(1)-(7). [Justia Law+1](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/) | **High as text;** application to excluded-provider dedicated accounts unresolved. |\n| **C035** | The located administrative rule supplies complaint, examination, rulemaking, and unlicensed-activity powers but no different consumer-fee limits. | S010, Rule 1.3(7). [Mississippi Secretary of State](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf) | **High for rule read; medium negative finding for all possible orders.** |\n| **C036** | *Rigsby* did not decide the legality of the fees, attorney structure, or provider licensure; it resolved forum-selection enforceability. | S011, ¶¶ 14–17. [Justia Law](https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html) | **High.** |\n| **C037** | Material credit-improvement representations may trigger CROA and the TSR credit-repair rule separately from debt-relief timing. | 15 U.S.C. §§ 1679a, 1679b(b); 16 C.F.R. § 310.4(a)(2); *Beech*. [eCFR+3](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High as conditional federal framework.** |\n| **C038** | A bounded public search did not locate a reported merits decision construing § 81-22-3(c)(xi) or § 81-22-13’s application to a settlement-success fee. | S011/S012 and bounded public case searches. | **Medium negative finding; not an exhaustive paid-database docket search.** |\n| **C039** | A dated DBCF list or marketing statement cannot establish a named provider’s current authorization; a live regulator/NMLS record is required. | S007/S008/S021. [Mississippi Banking & Consumer Finance+2](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf) | **High.** |\n\n# D. Scope coverage and gap register\n\n| Component | Status | Answer/claim IDs | Exact missing evidence and next investigation |\n| --- | --- | --- | --- |\n| Current effective status of Chapter 22 | **Answered** | C001 | Obtain a usable official enrolled-act image or current authenticated code text to replace the inaccessible SG route in final publication support. |\n| Custodial DMP classification | **Answered** | C002, C004, C017 | Full escrow, insolvency, audit, and trust-fund consequences remain later-pass work. |\n| Noncustodial DMP classification | **Answered** | C005, C009 | Seek DBCF interpretation on whether a negotiated DMP concession can be a “settlement” under (c)(xi). |\n| Principal-reduction/settlement classification | **Answered** | C006, C009-C011 | “FTC regulated” and one-settlement/full-fee interpretation remain unresolved. |\n| Credit-improvement classification | **Answered conditionally** | C007, C037 | Perform full CROA/state credit-services overlap pass based on actual marketing representations. |\n| Gratuitous/no-consideration counseling | **Partial** | C003, C007, C012 | Determine treatment of creditor fair-share payments, grants, affiliate payments, and nonconsumer compensation. |\n| Mississippi resident/remote provider nexus | **Answered** | C008, C019 | Nonresident temporarily in Mississippi remains unresolved. |\n| Commercial/business-purpose debt | **Unresolved** | C015 | Locate DBCF interpretation, Attorney General authority, or controlling case defining “consumer” and commercial obligations. |\n| Original-creditor/self-creditor conduct | **Partial** | C016 | Research affiliates, servicers, assignees, creditor agents, and state institutional exclusions. |\n| Nonprofit exclusion | **Answered** | C012 | Full nonprofit corporate, charitable-solicitation, tax, and federal-jurisdiction analysis remains open. |\n| Attorney exclusion | **Answered at framework level** | C013, C036 | Review Mississippi Rules of Professional Conduct, unauthorized practice, fee sharing, ownership, and actual representation facts. |\n| Financial-institution exclusion | **Answered at textual level** | C014 | Determine affiliate and contractor treatment and exact DBCF institution classifications. |\n| Loan-disburser exclusion | **Answered at textual level** | C014 | Apply debtor request, debtor authorization, sole-disbursement, and no-compensation elements to any actual product. |\n| State license pathway | **Answered** | C017-C020 | Replace dated procedural materials when DBCF posts the 2027 renewal memo. |\n| Current named-provider status | **Unresolved absent provider name** | C019, C039 | Search live NMLS record by legal name/NMLS ID and verify the Mississippi license type/status and any regulator conditions. |\n| Consumer dollar-fee caps | **Answered** | C021 | Monitor statutory amendment; no CPI calculation required. |\n| Percentage/per-debt/savings fee for licensed provider | **Answered** | C022 | No separate licensed pathway identified. |\n| Fee amount for excluded (c)(xi) provider | **Partial** | C027-C028 | Analyze Mississippi Consumer Protection Act, contract law, unconscionability, attorney rules, and any unpublished DBCF position. |\n| Fee indexing/adjustment | **Answered/negative** | C023 | Recheck future legislation and DBCF bulletins before publication or launch. |\n| Covered-provider agreement timing | **Answered in part** | C024-C025 | Full agreement-form and disclosure audit remains later pass. |\n| Setup/report fee earned timing | **Unresolved beyond text** | C024 | Seek agency interpretation or case authority; inspect actual contract and performance facts. |\n| Cancellation and fee refunds | **Partial** | C025, C033 | Research general contract/consumer law, insolvency, unearned fees, and any state refund remedy. |\n| State settlement-approval timing | **Answered textually, interpretation open** | C027 | Define “approved,” “settlement,” oral versus written approval, and one-debt/portfolio consequences. |\n| TSR debt-relief timing | **Answered conditionally** | C029-C032 | Apply to actual call flow, marketing source, debt type, seller, telemarketer, nonprofit status, and exemptions. |\n| Dedicated accounts | **Answered federally; state treatment partial** | C033-C034 | Determine whether provider access/instructions constitute receipt, holding, or indirect control under Mississippi law. |\n| Credit-repair timing | **Answered conditionally** | C037 | Full CROA contract/disclosure/cancellation and Mississippi credit-services overlap remain open. |\n| Processor boundary | **Partial** | C034 | Full processor contracts, access rights, bonds, notices, bank relationships, and money-transmission analysis remain open. |\n| Administrative regulations | **Partial** | C035 | Search archived orders, declaratory rulings, examination manuals, NMLS checklists, and nonindexed agency guidance. |\n| Reported cases | **Partial** | C036-C038 | Conduct paid citator/docket review and search unpublished state trial orders and bankruptcy proceedings. |\n| Full agreement requirements | **Excluded/open** | Only §§ 81-22-11 points needed for timing used | Later agreement pass: disclosures, creditor list, payment schedule, required notices, electronic signatures, modification, cancellation mechanics. |\n| Full funds/escrow/trust analysis | **Excluded/open** | Minimal boundary in C034 | Later pass: ownership, reconciliation, insolvency, garnishment protection, disbursement failures, processor chain, refunds. |\n| Full bond/security analysis | **Excluded/open** | Application amount identified only | Later pass: bond form, claims, beneficiaries, cancellation, aggregate limits, alternatives, processor bond interaction. |\n| Remedies/enforcement/private action | **Excluded/open** | *Rigsby* only as case limitation | Analyze §§ 81-22-19 through -25, MCPA, administrative remedies, restitution, penalties, private right, attorney fees. |\n| Collection-agency overlap | **Open** | None implied | Research Mississippi collection-agency and debt-buyer laws for negotiation coupled with collection or creditor representation. |\n| Money-transmitter overlap | **Open** | None implied | Analyze payment flow, possession, transmission, exemptions, and processor roles under current money-transmission law. |\n| Litigation/limitations | **Open** | None implied | Determine limitation periods, accrual, tolling, class-action issues, arbitration, forum, and choice of law. |\n| Secured debt | **Open** | State definition broad; TSR definition unsecured | Research mortgages, auto, tax, student, medical, and secured-debt sector rules separately. |\n| Sector-specific debt | **Open** | None implied | Perform student-loan, tax, medical, mortgage, auto, utility, and government-debt passes. |\n| Local/tribal law | **Open** | None implied | Search municipal ordinances, tribal jurisdiction, sovereign immunity, and reservation transactions. |\n| General contract and consumer-protection law | **Open and critical for excluded branch** | C027-C028 | Review MCPA, unconscionability, deception, fee disclosures, damages, refund rights, and contract enforceability. |\n| Complete Mississippi acceptance | **Not given** | Entire table | Every open category remains required; this pass supports only provider access and consumer fees. |\n\n# E. Researcher self-check\n\n### Actually read\n\n- The relevant statutory passages in the DBCF-hosted Mississippi Debt Management Services Act PDF, including definitions, licensing, funds, agreement, fees, reporting, enforcement framework, and processor provisions.\n- The DBCF 2026 legislative update confirming HB 1265’s removal of the July 1, 2026 repeal date.\n- The DBCF Consumer Finance application and licensing page.\n- The complete one-page February 2026 debt-management licensee list.\n- The relevant portions of the 2026 renewal memorandum.\n- Mississippi Administrative Code Title 5, Part 4, Rule 1.3(7).\n- The relevant opinions in *Rigsby* and *Beech*.\n- The exact current eCFR debt-relief definition, telemarketing definition, advance-fee trigger, allocation clauses, dedicated-account safeguards, and relevant exemptions.\n- The current federal CROA definition, exclusions, and advance-payment prohibition.\n- The FTC business-guide passages used for limited approval/timing context.\n\n### Search-rendered or reconstructed locators, not fully opened\n\n- Official Mississippi HB 1265 SG text: official search rendering was available, but direct PDF and HTML requests returned 502.\n- Official 2018 HB 792 and 2022 HB 687 legislative pages: official search-rendered text/history was available, but full pages were not freshly opened.\n- Those bill locators were not treated as if their complete text had been read. Current Chapter 22 status instead rests principally on the actually read DBCF 2026 enactment summary, with the agency-hosted statute text and carried-forward section text used for the operative provisions.\n\n### Not read or not verified\n\n- No usable authenticated current Lexis section display was obtained from the Mississippi public-code link.\n- No live NMLS company record was opened because no named provider or NMLS ID was supplied and the direct Consumer Access route did not expose a usable search through this interface.\n- No nonpublic licensing file, examination report, application, bond, or regulator correspondence was accessed.\n- No provider was contacted.\n- No application was filed.\n- No CAPTCHA or access control was bypassed.\n- No exhaustive paid-database citator or docket search was performed.\n- No unpublished DBCF interpretive letter or declaratory ruling was found.\n- No conclusion was made about a named provider’s current license.\n- No exact lawful percentage fee was inferred for the excluded branch.\n- No current 2027 renewal memo was assumed from the dated 2026 memo.\n- No full Mississippi remedies, contract, funds, bond, secured-debt, collection, local, tribal, or sector analysis was performed.\n\n### Process and mode\n\nThis research was completed in regular Chat using **GPT-5.6 Sol Pro**, the available quality-first fallback, with public web tools. No Deep Research, Work mode, Chrome control, other Chat, API, purchase, account change, private borrower data, contact, application, site change, or publication action was used.\n\nThis is not an independent review, provider authorization, qualified legal opinion, complete Mississippi dossier, or publication-readiness determination. No local file write is claimed.\n\n**END S_MS PASS-01.**\n\n","tables":[{"headers":["Actual conduct","Mississippi clause","PASS-01 result","Material boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actual conduct","Mississippi clause","PASS-01 result","Material boundary"],["Provider receives a consolidated consumer payment and distributes it among creditors","Miss. Code § 81-22-3(b)(i), and often (iii)","Covered debt management service; license required for Mississippi-resident consumers absent an exclusion. S_MS-P1-C004","Licensed funds-handling requirements become relevant."],["Provider does not take possession of money but arranges or assists the consumer in distributing payments","§ 81-22-3(b)(ii)","Covered. Noncustody by itself does not remove the license requirement. C005","The for-profit exclusion has two additional conditions beyond noncustody."],["Provider has direct or indirect control over funds or arranges control, even through another entity","§ 81-22-3(b)(iii)","Covered. C004/C034","An outside account or processor label does not answer whether the provider exercises control."],["Provider negotiates interest concessions, payment extensions, principal reductions, settlements, discharges, or other altered payment terms","§ 81-22-3(b)(iv)","Covered settlement/negotiation activity unless an exclusion applies. C006","Principal reduction and conventional DMP concessions are both within the language."],["Provider promises or offers to improve a consumer’s credit record, history, or rating","§ 81-22-3(b)(v)","Covered state activity, potentially with separate federal credit-repair overlap. C007/C037","Actual representations control; incidental credit improvement from settling debt is not automatically the same as selling credit repair."],["Standalone general budgeting education, without arranging debt, negotiating, controlling payments, or offering credit improvement","No direct clause found","Probably outside this definition, but only on those narrow facts. C007","Calling a settlement program “education” does not change its actual functions."],["Truly gratuitous service","Provider definition requires fee or “other consideration”","Potentially outside the provider definition. C003","Creditor contributions, affiliate payments, lead compensation, or other indirect value may be “other consideration”; no official interpretation was located."],["Provider is remote or headquartered outside Mississippi but serves a Mississippi resident","§ 81-22-5(1)","License nexus established unless excluded. C008","The dated DBCF list contains numerous out-of-state licensees, confirming an operational remote-provider pathway."],["Business-purpose or LLC obligation","“Consumer” and “obligation” are not defined in Chapter 22","Held unresolved. C015","The trade-association exclusion expressly mentions debts with business establishments, but that does not conclusively define all commercial-debt coverage."],["Original creditor restructures only its own account","No express general self-creditor exclusion in Chapter 22","Partial/held. C016","A creditor acting only for itself may not be an “intermediary,” but affiliate, multi-creditor, fee, servicing, and marketing facts can change the result."]]},{"headers":["Business model","Mississippi result","Governing condition"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Business model","Mississippi result","Governing condition"],["Custodial DMP/payment-distribution program","License required unless separately excluded","§ 81-22-3(b)(i)/(iii); § 81-22-5"],["Noncustodial DMP/concession program","License required unless separately excluded","§ 81-22-3(b)(ii)/(iv); noncustody alone is insufficient"],["Principal-reduction/debt-settlement provider that receives or holds consumer funds","License required; cannot use § 81-22-3(c)(xi)","The exclusion expressly requires no receipt or holding of consumer funds"],["For-profit, noncustodial settlement provider that receives no fee before consumer approval and is FTC-regulated","Excluded from “provider” definition if all conditions are established","§ 81-22-3(c)(xi)"],["Nonprofit credit counselor/DMP","License required unless another exclusion applies or no fee/consideration exists","Nonprofit status is not a statutory exclusion"],["Attorney-led program","Excluded only when the actual attorney/law-practice requirements are satisfied","§ 81-22-3(c)(i), (ii), and (x)"],["Bank or other qualifying institution","Potential entity exclusion","§ 81-22-3(c)(ix); exact institution status must be proven"],["Standalone processor","Processor status does not determine provider status","Actual receipt, access, control, chain-of-distribution, contracts, and provider functions control"]]},{"headers":["Exclusion","Conditions that must actually exist"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exclusion","Conditions that must actually exist"],["Incidental debt adjusting in law practice","Conduct must be incidental to lawful practice of law in Mississippi."],["Credit-report correction or credit-improvement work by lawyer","Must be performed in lawful practice of law in Mississippi."],["Licensed attorney","Attorney must actually be licensed and engaged in lawful law practice; attaching a lawyer’s name to a vendor is not enough."],["Title insurer","Debt adjustment must occur from escrow funds and only incidentally in its regular principal business."],["Court actors","Judicial officer or another person acting under a court order."],["CPA","Debt adjusting must be incidental to lawful certified-public-accounting practice."],["Trade or mercantile association","Must be bona fide and arranging adjustment of debts with business establishments."],["Employer","Adjusting debts for its own employees."],["Loan disburser","Loan made at debtor’s request; debtor authorizes adjustment; adjustment occurs solely by disbursing loan proceeds; and no compensation is taken for adjusting the debts."],["Financial institution","Must actually be an institution regulated, supervised, or licensed by DBCF, or an out-of-state institution insured by FDIC or NCUA."]]},{"headers":["Fee category","Statutory base","Maximum","Conditions and timing","Refund/credit result in this pass"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Fee category","Statutory base","Maximum","Conditions and timing","Refund/credit result in this pass"],["Initial counseling","Initial counseling session","$0","Must precede a monthly maintenance charge","No contrary exception located"],["Setup","One-time setup","$75 once","Written agreement must precede performance; no more specific statutory earning trigger located","No express setup-fee refund or proration formula located"],["Maintenance","Per month","$30/month","Only after a free initial counseling session","Cancellation right exists; no statutory monthly proration formula located"],["Credit report","Report obtained","$15 individual / $25 joint","Must actually be for obtaining the consumer’s report","No frequency or refund formula located"],["Educational course/product category","Educational courses/products","$50","Must assist financial stability, be educational, and be disclosed as optional rather than mandatory","No separate refund rule located"],["Bankruptcy consultation","Per consumer","$50","Only a nonprofit credit-counseling agency approved by the U.S. Trustees under 11 U.S.C. § 111","No separate refund rule located"]]},{"headers":["Event","Mississippi § 81-22-3(c)(xi)","Federal TSR, when applicable"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Event","Mississippi § 81-22-3(c)(xi)","Federal TSR, when applicable"],["Consumer signs provider contract","Not enough","Not enough"],["Consumer deposits money in qualifying dedicated account","Not itself a provider fee; state custody characterization unresolved","Permitted only under the dedicated-account safeguards"],["Consumer approves creditor settlement","State delayed-receipt condition may now be satisfied","Still not enough"],["Consumer makes first payment under valid settlement","No additional Chapter 22 trigger stated","Federal performance trigger satisfied for that debt, subject to allocation"],["Provider wants full portfolio fee after first debt","State chapter gives no allocation answer","Prohibited; only permitted debt-level allocation may be charged"]]},{"headers":["Source ID","Authority, issuer, and pinpoint","Direct literal URL","Actual access/status and limitations"],"index":5,"links":[{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","text":"Mississippi Banking & Consumer 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Finance"}],[{"href":"https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm"},{"href":"https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm","text":"Bill Status\n+1"}],[{"href":"https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm"},{"href":"https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm","text":"Bill 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Law\n+6"}],[{"href":"https://dbcf.ms.gov/consumer-finance/?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/consumer-finance/"},{"href":"https://dbcf.ms.gov/consumer-finance/","text":"Mississippi Banking & Consumer Finance\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"Mississippi Banking & Consumer Finance"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","text":"Mississippi Banking & Consumer Finance"}],[{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf?utm_source=chatgpt.com","text":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf"},{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State"}],[{"href":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html"},{"href":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/","text":"https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/"},{"href":"https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1%3A2022cv00057/114389/98/","text":"Justia 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Trade Commission\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/","text":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/","text":"U.S. Code"}],[{"href":"https://dbcf.ms.gov/enforcement-actions/","text":"https://dbcf.ms.gov/enforcement-actions/"},{"href":"https://dbcf.ms.gov/enforcement-actions/","text":"Mississippi Banking & Consumer Finance"}],[{"href":"https://www.sos.ms.gov/publications-external-affairs/mississippi-law","text":"https://www.sos.ms.gov/publications-external-affairs/mississippi-law"},{"href":"https://www.sos.ms.gov/publications-external-affairs/mississippi-law","text":"Mississippi Secretary of State\n+1"}],[{"href":"https://www.nmlsconsumeraccess.org/","text":"https://www.nmlsconsumeraccess.org/"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","text":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com","text":"Nationwide Licensing System\n+1"}]],"rows":[["Source ID","Authority, issuer, and pinpoint","Direct literal URL","Actual access/status and limitations"],["S_MS-P1-S001","Mississippi Debt Management Services Act, Mississippi DBCF; §§ 81-22-3, -5, -7, -9, -11, -13, -15, -17, -19, -21, -23, -25, -28; PDF pp. 1–11","https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Relevant operative text actually read; agency-hosted primary locator. PDF carries an obsolete repealer heading and is not independently current without S002/S003. \nMississippi Banking & Consumer Finance"],["S_MS-P1-S002","Mississippi HB 1265, 2026, as sent to Governor; title and § 1 repeal of § 81-22-31; brought-forward Chapter 22","https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf","Official Legislature result. Search-rendered text read; direct PDF/HTML fetch returned 502, so full operative bill was not freshly opened. \nBill Status"],["S_MS-P1-S003","Legislative Updates: 2026 Regular Session, Mississippi DBCF; HB 1265 entry, p. 1","https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Actually read and visually inspected. Reports repeal-date removal and July 1, 2026 effective date. Agency summary, not a substitute for every statutory word. \nMississippi Banking & Consumer Finance"],["S_MS-P1-S004","Mississippi HB 792, 2018, as sent to Governor; amendment adding § 81-22-3(c)(xi), effective July 1, 2018","https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm","Official search-rendered locator; direct route was inaccessible. History also appears in the section history of S006. \nBill Status\n+1"],["S_MS-P1-S005","Mississippi HB 687, 2022; reenactment of Chapter 22 and § 81-22-13 fee text","https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm","Official search-rendered locator; direct HTML route returned 502. Used for history/currentness triangulation, not as the sole fee source. \nBill Status\n+1"],["S_MS-P1-S006","2025 Mississippi Code mirror, §§ 81-22-3, -5, -9, -11, -13, -15, -28","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/","Actually read; secondary code mirror. Text matches agency PDF, but its “repealed effective July 1, 2026” heading is stale after HB 1265. \nJustia Law\n+6"],["S_MS-P1-S007","Mississippi DBCF Consumer Finance page; debt-management application requirements and NMLS instructions","https://dbcf.ms.gov/consumer-finance/","Actually read October 24, 2026. Current operational page; no visible legal effective date. Procedure does not substitute for statutory permission. \nMississippi Banking & Consumer Finance\n+1"],["S_MS-P1-S008","DBCF Debt Management Service Provider List; as of February 9, 2026","https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","One-page PDF actually read and visually inspected; 28 entries. Dated and not proof of October 24 status. \nMississippi Banking & Consumer Finance"],["S_MS-P1-S009","DBCF 2026 NMLS Renewal Industry Memo; Oct. 30, 2025; pp. 1–2","https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","Actually read and visually inspected. Applies to the 2026 renewal cycle, not automatically to 2027. \nMississippi Banking & Consumer Finance"],["S_MS-P1-S010","Mississippi Administrative Code, Title 5, Part 4, Rule 1.3(7), pp. 4–5","https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","Actually read and visually inspected. Contains complaint, rulemaking, examination, and unlicensed-activity powers; no separate consumer fee schedule located. \nMississippi Secretary of State"],["S_MS-P1-S011","Rigsby v. American Credit Counselors, Inc., 2017 Miss. App.; facts ¶¶ 2–3 and forum-selection discussion ¶¶ 14–17","https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","Full relevant passages actually read. Merits of Chapter 22 licensing and fees were not decided. \nJustia Law\n+1"],["S_MS-P1-S012","Beech v. Litigation Practice Group, P.C., No. 1:22-cv-57, S.D. Miss., Doc. 98, June 11, 2024","https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/","Relevant opinion actually read. Class-certification decision under CROA; not a merits construction of Mississippi Chapter 22. \nJustia Law\n+2"],["S_MS-P1-S013","16 C.F.R. § 310.2(o), (ii), debt-relief service and telemarketing definitions","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Exact clauses actually read. eCFR displayed through October 22, 2026. \neCFR\n+1"],["S_MS-P1-S014","16 C.F.R. § 310.4(a)(2), (5), credit-repair timing, debt-relief performance trigger, allocation, and dedicated accounts","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Exact clauses actually read; eCFR displayed through October 22, 2026. \neCFR\n+2"],["S_MS-P1-S015","16 C.F.R. § 310.6(b)(3)-(7), relevant exemptions and debt-relief advertising carve-backs","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Exact clauses actually read; eCFR displayed through October 22, 2026. \neCFR\n+2"],["S_MS-P1-S016","FTC, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Relevant timing and approval discussion actually read. Staff guidance; not binding Mississippi interpretation. \nFederal Trade Commission\n+2"],["S_MS-P1-S017","15 U.S.C. § 1679a, CROA definitions and exclusions","https://uscode.house.gov/us/usc/119-118/t15/s1679a/","Exact statutory text actually read; page states laws through Public Law 119-120, October 7, 2026. \nU.S. Code"],["S_MS-P1-S018","15 U.S.C. § 1679b(b), CROA advance-payment prohibition","https://uscode.house.gov/us/usc/119-120/t15/s1679b/","Exact statutory text actually read; current through Public Law 119-120. \nU.S. Code"],["S_MS-P1-S019","DBCF Enforcement Actions page","https://dbcf.ms.gov/enforcement-actions/","Actually inspected and searched for debt-management terms. No relevant public entry was located; absence is not proof of no investigation or action. \nMississippi Banking & Consumer Finance"],["S_MS-P1-S020","Mississippi Secretary of State, Mississippi Law/public code access page","https://www.sos.ms.gov/publications-external-affairs/mississippi-law","Actually read. Linked current-code publisher route exposed only a shell, not usable § 81-22 text. \nMississippi Secretary of State\n+1"],["S_MS-P1-S021","NMLS Consumer Access / CSBS public-search information","https://www.nmlsconsumeraccess.org/\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","Official public-search description located. Direct Consumer Access route did not expose a usable company search in this interface; no named-provider lookup completed. \nNationwide Licensing System\n+1"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],"index":6,"links":[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"Mississippi Banking & Consumer Finance\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],"row_links":[[],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"Mississippi Banking & Consumer Finance\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],["S_MS-P1-C001","Chapter 22 remains effective after July 1, 2026 because HB 1265 removed § 81-22-31’s repeal provision, effective July 1, 2026.","S002 title/§ 1; S003 p. 1. \nMississippi Banking & Consumer Finance\n+1","High. Full SG PDF was not freshly opened, but official agency enactment summary is explicit."],["C002","“Debt management service” separately includes receiving payments, arranging distributions, controlling funds, negotiating/settling or altering terms, and offering credit improvement.","S001/S006, § 81-22-3(b)(i)-(v). \nJustia Law\n+1","High."],["C003","Provider status requires offering or providing covered service to a consumer in Mississippi in return for a fee or other consideration.","S001/S006, § 81-22-3(c). \nJustia Law","High; “other consideration” application to creditor-funded programs is unresolved."],["C004","A custodial DMP and a model exercising direct or indirect control over consumer funds are covered.","§ 81-22-3(b)(i), (iii). \nJustia Law","High."],["C005","A noncustodial model that arranges payments or creditor distributions remains covered.","§ 81-22-3(b)(ii). \nJustia Law","High."],["C006","Principal-reduction, settlement, concession, discharge, extension, and other payment-term negotiations are covered intermediary activity.","§ 81-22-3(b)(iv). \nJustia Law","High."],["C007","Offering credit improvement is covered; pure general education without any listed activity is not expressly included.","§ 81-22-3(b)(v); § 81-22-13(d). \nJustia Law\n+1","Credit-improvement clause high; pure-education boundary is a textual inference, medium."],["C008","A remote provider serving Mississippi-resident consumers must be licensed unless excluded.","§ 81-22-5(1); S008 remote licensee addresses. \nJustia Law\n+1","High for Mississippi residents."],["C009","The § 81-22-3(c)(xi) exclusion requires for-profit status, no receipt/holding of consumer funds, no fee receipt before consumer settlement approval, and FTC regulation.","S006, § 81-22-3(c)(xi). \nJustia Law","High as to text."],["C010","Section 81-22-3(c)(xi) is a definitional exclusion, not a license, approval, or fee validation.","Structure of § 81-22-3(c); § 81-22-5. \nJustia Law\n+1","High."],["C011","“Regulated by the FTC” is undefined in Chapter 22, and no published Mississippi construction was located.","S001/S006; bounded S010/S019/case search.","Medium/high negative finding; requires DBCF interpretation or controlling case."],["C012","Nonprofit status is not a blanket exclusion; DBCF anticipates nonprofit applicants.","No nonprofit exclusion in § 81-22-3(c); S007 nonprofit application item. \nJustia Law\n+1","High. Gratuitous/no-consideration service remains fact-specific."],["C013","Attorney exclusions depend on actual licensed/lawful law practice and, for clauses (i)-(ii), incidental/performed-in-practice conditions.","§ 81-22-3(c)(i), (ii), (x); Rigsby. \nJustia Law\n+1","High as to text; application to a particular law-firm model requires facts and professional-conduct law."],["C014","The remaining exclusions are condition-specific: title insurers, court actors, CPA work, trade associations, employers, qualifying loan disbursement, and qualifying institutions.","§ 81-22-3(c)(iii)-(ix). \nJustia Law","High."],["C015","Commercial/business-purpose coverage is unresolved because “consumer” and “obligation” are not defined with a personal-use qualifier.","§ 81-22-3; business-establishment exclusion at (c)(vi). \nJustia Law","Medium; hold."],["C016","Chapter 22 has no express general original-creditor exclusion; a creditor acting only for itself may fall outside “intermediary,” but affiliate/multi-creditor facts can change the result.","§ 81-22-3(b)(iv), (c). \nJustia Law","First proposition high; functional inference medium."]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],"index":7,"links":[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law"},{"href":"https://dbcf.ms.gov/consumer-finance/","text":"Mississippi Banking & Consumer Finance\n+1"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"Mississippi Banking & Consumer Finance"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","text":"Justia Law"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"Mississippi Banking & Consumer Finance\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+2"}],"row_links":[[],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law"}],[{"href":"https://dbcf.ms.gov/consumer-finance/","text":"Mississippi Banking & Consumer Finance\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"Mississippi Banking & Consumer Finance"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","text":"Justia Law"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"Mississippi Banking & Consumer Finance\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+2"}]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],["C017","Covered activity involving Mississippi-resident consumers requires a DBCF license, and the Commissioner evaluates financial soundness, responsibility, programs, and fitness.","§ 81-22-5(1). \nJustia Law","High."],["C018","DBCF currently routes debt-management applications and renewals through NMLS and publishes the stated bond, financial, corporate, agreement, fee, processor, and education requirements.","S007, debt-management section. \nMississippi Banking & Consumer Finance\n+1","High as current procedure; webpage is not legal permission by itself."],["C019","The February 9, 2026 list establishes a real remote-provider license pathway but not current October 24 status.","S008, all entries/date footer. \nMississippi Banking & Consumer Finance","High, time-limited."],["C020","The statutory provider charges are $750 initial and $475 annual renewal; the 2026 memo adds dated NMLS/EOC processing amounts and late-cycle instructions.","§ 81-22-5(1); S009 pp. 1–2. \nJustia Law\n+1","Statutory amounts high; memo extras limited to 2026 cycle."],["C021","A covered provider’s consumer-fee menu is $30/month after free counseling, $75 one-time setup, $15/$25 report, $50 optional education, and qualified $50 bankruptcy consultation.","§ 81-22-13(a)-(e). \nJustia Law","High."],["C022","A separate percentage, savings, per-debt, or settlement-success fee is absent from the exclusive licensed-provider menu.","Opening clause and all items in § 81-22-13. \nJustia Law","High textual conclusion."],["C023","No fee indexing, CPI adjustment, or published current adjustment notice was located; the fixed amounts were continued after HB 1265.","S003; § 81-22-13; bounded official-resource search. \nMississippi Banking & Consumer Finance\n+1","High as to statute; medium as negative bulletin search."],["C024","Services require a prior written agreement; maintenance fees require prior free counseling; no separate setup-fee completion trigger was found.","§ 81-22-11(1)-(2); § 81-22-13(a)-(c). \nJustia Law\n+1","Agreement/counseling high; setup timing gap expressly held."],["C025","The agreement must permit written cancellation, but Chapter 22 provisions reviewed contain no general consumer-fee refund or proration formula.","§ 81-22-11(2)(e); § 81-22-13. \nJustia Law\n+1","Cancellation high; negative refund finding medium/high."],["C026","Fair-share contributions are voluntary creditor payments, and client accounts must receive full credit rather than net credit.","§ 81-22-3(e); § 81-22-15(3). \nJustia Law\n+1","High."],["C027","The state for-profit exclusion delays fee receipt until consumer settlement approval but supplies no amount or multi-debt allocation formula.","§ 81-22-3(c)(xi). \nJustia Law","High as to text; effect of one settlement on whole fee unresolved."],["C028","State consumer-fee limits and timing do not authorize collection that separately applicable federal law forbids.","Comparison of § 81-22-3(c)(xi), § 81-22-13, and 16 C.F.R. § 310.4(a)(5). \nJustia Law\n+2","High."]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],"index":8,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"},{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State"},{"href":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","text":"Justia Law"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+3"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"Mississippi Banking & Consumer Finance\n+2"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","text":"eCFR\n+2"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","text":"Justia Law\n+1"}],[{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State"}],[{"href":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","text":"Justia Law"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+3"}],[],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"Mississippi Banking & Consumer Finance\n+2"}]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, currentness, confidence"],["C029","TSR debt-relief timing is conditional on the service and telemarketing definitions and exemptions; it is not universal.","16 C.F.R. §§ 310.2(o), (ii), 310.6. \neCFR\n+2","High."],["C030","When applicable, TSR fees cannot be requested or received until one debt is altered under a valid agreement and the consumer makes a first payment.","16 C.F.R. § 310.4(a)(5)(i)(A)-(B). \neCFR\n+1","High."],["C031","The TSR proportional method uses the individual debt’s enrollment balance relative to all enrollment balances and the total contracted fee.","§ 310.4(a)(5)(i)(C)(1). \neCFR","High."],["C032","The TSR savings method requires one uniform percentage across debts and uses enrolled balance minus amount actually paid to satisfy the debt.","§ 310.4(a)(5)(i)(C)(2). \neCFR","High."],["C033","A TSR dedicated account must satisfy insured-account, ownership, independence, no-referral-compensation, withdrawal, and seven-business-day return safeguards.","§ 310.4(a)(5)(ii)(A)-(E). \neCFR","High."],["C034","Mississippi separately reaches indirect control over funds and regulates qualifying third-party payment processors used by licensees.","§ 81-22-3(b)(iii), (i); § 81-22-28(1)-(7). \nJustia Law\n+1","High as text; application to excluded-provider dedicated accounts unresolved."],["C035","The located administrative rule supplies complaint, examination, rulemaking, and unlicensed-activity powers but no different consumer-fee limits.","S010, Rule 1.3(7). \nMississippi Secretary of State","High for rule read; medium negative finding for all possible orders."],["C036","Rigsby did not decide the legality of the fees, attorney structure, or provider licensure; it resolved forum-selection enforceability.","S011, ¶¶ 14–17. \nJustia Law","High."],["C037","Material credit-improvement representations may trigger CROA and the TSR credit-repair rule separately from debt-relief timing.","15 U.S.C. §§ 1679a, 1679b(b); 16 C.F.R. § 310.4(a)(2); Beech. \neCFR\n+3","High as conditional federal framework."],["C038","A bounded public search did not locate a reported merits decision construing § 81-22-3(c)(xi) or § 81-22-13’s application to a settlement-success fee.","S011/S012 and bounded public case searches.","Medium negative finding; not an exhaustive paid-database docket search."],["C039","A dated DBCF list or marketing statement cannot establish a named provider’s current authorization; a live regulator/NMLS record is required.","S007/S008/S021. \nMississippi Banking & Consumer Finance\n+2","High."]]},{"headers":["Component","Status","Answer/claim IDs","Exact missing evidence and next investigation"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Answer/claim IDs","Exact missing evidence and next investigation"],["Current effective status of Chapter 22","Answered","C001","Obtain a usable official enrolled-act image or current authenticated code text to replace the inaccessible SG route in final publication support."],["Custodial DMP classification","Answered","C002, C004, C017","Full escrow, insolvency, audit, and trust-fund consequences remain later-pass work."],["Noncustodial DMP classification","Answered","C005, C009","Seek DBCF interpretation on whether a negotiated DMP concession can be a “settlement” under (c)(xi)."],["Principal-reduction/settlement classification","Answered","C006, C009-C011","“FTC regulated” and one-settlement/full-fee interpretation remain unresolved."],["Credit-improvement classification","Answered conditionally","C007, C037","Perform full CROA/state credit-services overlap pass based on actual marketing representations."],["Gratuitous/no-consideration counseling","Partial","C003, C007, C012","Determine treatment of creditor fair-share payments, grants, affiliate payments, and nonconsumer compensation."],["Mississippi resident/remote provider nexus","Answered","C008, C019","Nonresident temporarily in Mississippi remains unresolved."],["Commercial/business-purpose debt","Unresolved","C015","Locate DBCF interpretation, Attorney General authority, or controlling case defining “consumer” and commercial obligations."],["Original-creditor/self-creditor conduct","Partial","C016","Research affiliates, servicers, assignees, creditor agents, and state institutional exclusions."],["Nonprofit exclusion","Answered","C012","Full nonprofit corporate, charitable-solicitation, tax, and federal-jurisdiction analysis remains open."],["Attorney exclusion","Answered at framework level","C013, C036","Review Mississippi Rules of Professional Conduct, unauthorized practice, fee sharing, ownership, and actual representation facts."],["Financial-institution exclusion","Answered at textual level","C014","Determine affiliate and contractor treatment and exact DBCF institution classifications."],["Loan-disburser exclusion","Answered at textual level","C014","Apply debtor request, debtor authorization, sole-disbursement, and no-compensation elements to any actual product."],["State license pathway","Answered","C017-C020","Replace dated procedural materials when DBCF posts the 2027 renewal memo."],["Current named-provider status","Unresolved absent provider name","C019, C039","Search live NMLS record by legal name/NMLS ID and verify the Mississippi license type/status and any regulator conditions."],["Consumer dollar-fee caps","Answered","C021","Monitor statutory amendment; no CPI calculation required."],["Percentage/per-debt/savings fee for licensed provider","Answered","C022","No separate licensed pathway identified."],["Fee amount for excluded (c)(xi) provider","Partial","C027-C028","Analyze Mississippi Consumer Protection Act, contract law, unconscionability, attorney rules, and any unpublished DBCF position."],["Fee indexing/adjustment","Answered/negative","C023","Recheck future legislation and DBCF bulletins before publication or launch."],["Covered-provider agreement timing","Answered in part","C024-C025","Full agreement-form and disclosure audit remains later pass."],["Setup/report fee earned timing","Unresolved beyond text","C024","Seek agency interpretation or case authority; inspect actual contract and performance facts."],["Cancellation and fee refunds","Partial","C025, C033","Research general contract/consumer law, insolvency, unearned fees, and any state refund remedy."],["State settlement-approval timing","Answered textually, interpretation open","C027","Define “approved,” “settlement,” oral versus written approval, and one-debt/portfolio consequences."],["TSR debt-relief timing","Answered conditionally","C029-C032","Apply to actual call flow, marketing source, debt type, seller, telemarketer, nonprofit status, and exemptions."],["Dedicated accounts","Answered federally; state treatment partial","C033-C034","Determine whether provider access/instructions constitute receipt, holding, or indirect control under Mississippi law."],["Credit-repair timing","Answered conditionally","C037","Full CROA contract/disclosure/cancellation and Mississippi credit-services overlap remain open."],["Processor boundary","Partial","C034","Full processor contracts, access rights, bonds, notices, bank relationships, and money-transmission analysis remain open."],["Administrative regulations","Partial","C035","Search archived orders, declaratory rulings, examination manuals, NMLS checklists, and nonindexed agency guidance."],["Reported cases","Partial","C036-C038","Conduct paid citator/docket review and search unpublished state trial orders and bankruptcy proceedings."],["Full agreement requirements","Excluded/open","Only §§ 81-22-11 points needed for timing used","Later agreement pass: disclosures, creditor list, payment schedule, required notices, electronic signatures, modification, cancellation mechanics."],["Full funds/escrow/trust analysis","Excluded/open","Minimal boundary in C034","Later pass: ownership, reconciliation, insolvency, garnishment protection, disbursement failures, processor chain, refunds."],["Full bond/security analysis","Excluded/open","Application amount identified only","Later pass: bond form, claims, beneficiaries, cancellation, aggregate limits, alternatives, processor bond interaction."],["Remedies/enforcement/private action","Excluded/open","Rigsby only as case limitation","Analyze §§ 81-22-19 through -25, MCPA, administrative remedies, restitution, penalties, private right, attorney fees."],["Collection-agency overlap","Open","None implied","Research Mississippi collection-agency and debt-buyer laws for negotiation coupled with collection or creditor representation."],["Money-transmitter overlap","Open","None implied","Analyze payment flow, possession, transmission, exemptions, and processor roles under current money-transmission law."],["Litigation/limitations","Open","None implied","Determine limitation periods, accrual, tolling, class-action issues, arbitration, forum, and choice of law."],["Secured debt","Open","State definition broad; TSR definition unsecured","Research mortgages, auto, tax, student, medical, and secured-debt sector rules separately."],["Sector-specific debt","Open","None implied","Perform student-loan, tax, medical, mortgage, auto, utility, and government-debt passes."],["Local/tribal law","Open","None implied","Search municipal ordinances, tribal jurisdiction, sovereign immunity, and reservation transactions."],["General contract and consumer-protection law","Open and critical for excluded branch","C027-C028","Review MCPA, unconscionability, deception, fee disclosures, damages, refund rights, and contract enforceability."],["Complete Mississippi acceptance","Not given","Entire table","Every open category remains required; this pass supports only provider access and consumer fees."]]}],"claims":[{"claim_id":"S_MS-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MS-P1-C001","Precise assertion":"Chapter 22 remains effective after July 1, 2026 because HB 1265 removed § 81-22-31’s repeal provision, effective July 1, 2026.","Sources and pinpoints":"S002 title/§ 1; S003 p. 1. \nMississippi Banking & Consumer Finance\n+1","Conditions, currentness, confidence":"High. Full SG PDF was not freshly opened, but official agency enactment summary is explicit."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"“Debt management service” separately includes receiving payments, arranging distributions, controlling funds, negotiating/settling or altering terms, and offering credit improvement.","Sources and pinpoints":"S001/S006, § 81-22-3(b)(i)-(v). \nJustia Law\n+1","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"Provider status requires offering or providing covered service to a consumer in Mississippi in return for a fee or other consideration.","Sources and pinpoints":"S001/S006, § 81-22-3(c). \nJustia Law","Conditions, currentness, confidence":"High; “other consideration” application to creditor-funded programs is unresolved."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"A custodial DMP and a model exercising direct or indirect control over consumer funds are covered.","Sources and pinpoints":"§ 81-22-3(b)(i), (iii). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"A noncustodial model that arranges payments or creditor distributions remains covered.","Sources and pinpoints":"§ 81-22-3(b)(ii). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"Principal-reduction, settlement, concession, discharge, extension, and other payment-term negotiations are covered intermediary activity.","Sources and pinpoints":"§ 81-22-3(b)(iv). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"Offering credit improvement is covered; pure general education without any listed activity is not expressly included.","Sources and pinpoints":"§ 81-22-3(b)(v); § 81-22-13(d). \nJustia Law\n+1","Conditions, currentness, confidence":"Credit-improvement clause high; pure-education boundary is a textual inference, medium."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"A remote provider serving Mississippi-resident consumers must be licensed unless excluded.","Sources and pinpoints":"§ 81-22-5(1); S008 remote licensee addresses. \nJustia Law\n+1","Conditions, currentness, confidence":"High for Mississippi residents."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"The § 81-22-3(c)(xi) exclusion requires for-profit status, no receipt/holding of consumer funds, no fee receipt before consumer settlement approval, and FTC regulation.","Sources and pinpoints":"S006, § 81-22-3(c)(xi). \nJustia Law","Conditions, currentness, confidence":"High as to text."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"Section 81-22-3(c)(xi) is a definitional exclusion, not a license, approval, or fee validation.","Sources and pinpoints":"Structure of § 81-22-3(c); § 81-22-5. \nJustia Law\n+1","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"“Regulated by the FTC” is undefined in Chapter 22, and no published Mississippi construction was located.","Sources and pinpoints":"S001/S006; bounded S010/S019/case search.","Conditions, currentness, confidence":"Medium/high negative finding; requires DBCF interpretation or controlling case."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"Nonprofit status is not a blanket exclusion; DBCF anticipates nonprofit applicants.","Sources and pinpoints":"No nonprofit exclusion in § 81-22-3(c); S007 nonprofit application item. \nJustia Law\n+1","Conditions, currentness, confidence":"High. Gratuitous/no-consideration service remains fact-specific."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"Attorney exclusions depend on actual licensed/lawful law practice and, for clauses (i)-(ii), incidental/performed-in-practice conditions.","Sources and pinpoints":"§ 81-22-3(c)(i), (ii), (x); Rigsby. \nJustia Law\n+1","Conditions, currentness, confidence":"High as to text; application to a particular law-firm model requires facts and professional-conduct law."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"The remaining exclusions are condition-specific: title insurers, court actors, CPA work, trade associations, employers, qualifying loan disbursement, and qualifying institutions.","Sources and pinpoints":"§ 81-22-3(c)(iii)-(ix). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"Commercial/business-purpose coverage is unresolved because “consumer” and “obligation” are not defined with a personal-use qualifier.","Sources and pinpoints":"§ 81-22-3; business-establishment exclusion at (c)(vi). \nJustia Law","Conditions, currentness, confidence":"Medium; hold."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"Chapter 22 has no express general original-creditor exclusion; a creditor acting only for itself may fall outside “intermediary,” but affiliate/multi-creditor facts can change the result.","Sources and pinpoints":"§ 81-22-3(b)(iv), (c). \nJustia Law","Conditions, currentness, confidence":"First proposition high; functional inference medium."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"Covered activity involving Mississippi-resident consumers requires a DBCF license, and the Commissioner evaluates financial soundness, responsibility, programs, and fitness.","Sources and pinpoints":"§ 81-22-5(1). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"DBCF currently routes debt-management applications and renewals through NMLS and publishes the stated bond, financial, corporate, agreement, fee, processor, and education requirements.","Sources and pinpoints":"S007, debt-management section. \nMississippi Banking & Consumer Finance\n+1","Conditions, currentness, confidence":"High as current procedure; webpage is not legal permission by itself."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise assertion":"The February 9, 2026 list establishes a real remote-provider license pathway but not current October 24 status.","Sources and pinpoints":"S008, all entries/date footer. \nMississippi Banking & Consumer Finance","Conditions, currentness, confidence":"High, time-limited."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"The statutory provider charges are $750 initial and $475 annual renewal; the 2026 memo adds dated NMLS/EOC processing amounts and late-cycle instructions.","Sources and pinpoints":"§ 81-22-5(1); S009 pp. 1–2. \nJustia Law\n+1","Conditions, currentness, confidence":"Statutory amounts high; memo extras limited to 2026 cycle."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"A covered provider’s consumer-fee menu is $30/month after free counseling, $75 one-time setup, $15/$25 report, $50 optional education, and qualified $50 bankruptcy consultation.","Sources and pinpoints":"§ 81-22-13(a)-(e). \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"A separate percentage, savings, per-debt, or settlement-success fee is absent from the exclusive licensed-provider menu.","Sources and pinpoints":"Opening clause and all items in § 81-22-13. \nJustia Law","Conditions, currentness, confidence":"High textual conclusion."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"No fee indexing, CPI adjustment, or published current adjustment notice was located; the fixed amounts were continued after HB 1265.","Sources and pinpoints":"S003; § 81-22-13; bounded official-resource search. \nMississippi Banking & Consumer Finance\n+1","Conditions, currentness, confidence":"High as to statute; medium as negative bulletin search."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"Services require a prior written agreement; maintenance fees require prior free counseling; no separate setup-fee completion trigger was found.","Sources and pinpoints":"§ 81-22-11(1)-(2); § 81-22-13(a)-(c). \nJustia Law\n+1","Conditions, currentness, confidence":"Agreement/counseling high; setup timing gap expressly held."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"The agreement must permit written cancellation, but Chapter 22 provisions reviewed contain no general consumer-fee refund or proration formula.","Sources and pinpoints":"§ 81-22-11(2)(e); § 81-22-13. \nJustia Law\n+1","Conditions, currentness, confidence":"Cancellation high; negative refund finding medium/high."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"Fair-share contributions are voluntary creditor payments, and client accounts must receive full credit rather than net credit.","Sources and pinpoints":"§ 81-22-3(e); § 81-22-15(3). \nJustia Law\n+1","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"The state for-profit exclusion delays fee receipt until consumer settlement approval but supplies no amount or multi-debt allocation formula.","Sources and pinpoints":"§ 81-22-3(c)(xi). \nJustia Law","Conditions, currentness, confidence":"High as to text; effect of one settlement on whole fee unresolved."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise assertion":"State consumer-fee limits and timing do not authorize collection that separately applicable federal law forbids.","Sources and pinpoints":"Comparison of § 81-22-3(c)(xi), § 81-22-13, and 16 C.F.R. § 310.4(a)(5). \nJustia Law\n+2","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise assertion":"TSR debt-relief timing is conditional on the service and telemarketing definitions and exemptions; it is not universal.","Sources and pinpoints":"16 C.F.R. §§ 310.2(o), (ii), 310.6. \neCFR\n+2","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Precise assertion":"When applicable, TSR fees cannot be requested or received until one debt is altered under a valid agreement and the consumer makes a first payment.","Sources and pinpoints":"16 C.F.R. § 310.4(a)(5)(i)(A)-(B). \neCFR\n+1","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise assertion":"The TSR proportional method uses the individual debt’s enrollment balance relative to all enrollment balances and the total contracted fee.","Sources and pinpoints":"§ 310.4(a)(5)(i)(C)(1). \neCFR","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise assertion":"The TSR savings method requires one uniform percentage across debts and uses enrolled balance minus amount actually paid to satisfy the debt.","Sources and pinpoints":"§ 310.4(a)(5)(i)(C)(2). \neCFR","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise assertion":"A TSR dedicated account must satisfy insured-account, ownership, independence, no-referral-compensation, withdrawal, and seven-business-day return safeguards.","Sources and pinpoints":"§ 310.4(a)(5)(ii)(A)-(E). \neCFR","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise assertion":"Mississippi separately reaches indirect control over funds and regulates qualifying third-party payment processors used by licensees.","Sources and pinpoints":"§ 81-22-3(b)(iii), (i); § 81-22-28(1)-(7). \nJustia Law\n+1","Conditions, currentness, confidence":"High as text; application to excluded-provider dedicated accounts unresolved."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise assertion":"The located administrative rule supplies complaint, examination, rulemaking, and unlicensed-activity powers but no different consumer-fee limits.","Sources and pinpoints":"S010, Rule 1.3(7). \nMississippi Secretary of State","Conditions, currentness, confidence":"High for rule read; medium negative finding for all possible orders."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise assertion":"Rigsby did not decide the legality of the fees, attorney structure, or provider licensure; it resolved forum-selection enforceability.","Sources and pinpoints":"S011, ¶¶ 14–17. \nJustia Law","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise assertion":"Material credit-improvement representations may trigger CROA and the TSR credit-repair rule separately from debt-relief timing.","Sources and pinpoints":"15 U.S.C. §§ 1679a, 1679b(b); 16 C.F.R. § 310.4(a)(2); Beech. \neCFR\n+3","Conditions, currentness, confidence":"High as conditional federal framework."},"coordinator_verification_status":"qualified_by_reviewed_pass02_official_currentness_and_broader_holds_remain","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_resolution_pass":"pass-02","coordinator_resolution_review":"[internal evidence reference]"},{"claim_id":"S_MS-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Precise assertion":"A bounded public search did not locate a reported merits decision construing § 81-22-3(c)(xi) or § 81-22-13’s application to a settlement-success fee.","Sources and pinpoints":"S011/S012 and bounded public case searches.","Conditions, currentness, confidence":"Medium negative finding; not an exhaustive paid-database docket search."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Precise assertion":"A dated DBCF list or marketing statement cannot establish a named provider’s current authorization; a live regulator/NMLS record is required.","Sources and pinpoints":"S007/S008/S021. \nMississippi Banking & Consumer Finance\n+2","Conditions, currentness, confidence":"High."},"coordinator_verification_status":"reviewed_with_currentness_evidence_and_federal_precision_qualifications;originalcellunchanged","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_MS-P1-S001","urls":["https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S001","Authority, issuer, and pinpoint":"Mississippi Debt Management Services Act, Mississippi DBCF; §§ 81-22-3, -5, -7, -9, -11, -13, -15, -17, -19, -21, -23, -25, -28; PDF pp. 1–11","Direct literal URL":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Actual access/status and limitations":"Relevant operative text actually read; agency-hosted primary locator. PDF carries an obsolete repealer heading and is not independently current without S002/S003. \nMississippi Banking & Consumer Finance"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S002","urls":["https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf","https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S002","Authority, issuer, and pinpoint":"Mississippi HB 1265, 2026, as sent to Governor; title and § 1 repeal of § 81-22-31; brought-forward Chapter 22","Direct literal URL":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf","Actual access/status and limitations":"Official Legislature result. Search-rendered text read; direct PDF/HTML fetch returned 502, so full operative bill was not freshly opened. \nBill Status"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S003","urls":["https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S003","Authority, issuer, and pinpoint":"Legislative Updates: 2026 Regular Session, Mississippi DBCF; HB 1265 entry, p. 1","Direct literal URL":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Actual access/status and limitations":"Actually read and visually inspected. Reports repeal-date removal and July 1, 2026 effective date. Agency summary, not a substitute for every statutory word. \nMississippi Banking & Consumer Finance"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S004","urls":["https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm","https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S004","Authority, issuer, and pinpoint":"Mississippi HB 792, 2018, as sent to Governor; amendment adding § 81-22-3(c)(xi), effective July 1, 2018","Direct literal URL":"https://billstatus.ls.state.ms.us/documents/2018/html/HB/0700-0799/HB0792SG.htm","Actual access/status and limitations":"Official search-rendered locator; direct route was inaccessible. History also appears in the section history of S006. \nBill Status\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S005","urls":["https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm","https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S005","Authority, issuer, and pinpoint":"Mississippi HB 687, 2022; reenactment of Chapter 22 and § 81-22-13 fee text","Direct literal URL":"https://billstatus.ls.state.ms.us/documents/2022/html/HB/0600-0699/HB0687SG.htm","Actual access/status and limitations":"Official search-rendered locator; direct HTML route returned 502. Used for history/currentness triangulation, not as the sole fee source. \nBill Status\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S006","urls":["https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/?utm_source=chatgpt.com","https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S006","Authority, issuer, and pinpoint":"2025 Mississippi Code mirror, §§ 81-22-3, -5, -9, -11, -13, -15, -28","Direct literal URL":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-5/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-9/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-11/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-15/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-28/","Actual access/status and limitations":"Actually read; secondary code mirror. Text matches agency PDF, but its “repealed effective July 1, 2026” heading is stale after HB 1265. \nJustia Law\n+6"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S007","urls":["https://dbcf.ms.gov/consumer-finance/","https://dbcf.ms.gov/consumer-finance/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S007","Authority, issuer, and pinpoint":"Mississippi DBCF Consumer Finance page; debt-management application requirements and NMLS instructions","Direct literal URL":"https://dbcf.ms.gov/consumer-finance/","Actual access/status and limitations":"Actually read October 24, 2026. Current operational page; no visible legal effective date. Procedure does not substitute for statutory permission. \nMississippi Banking & Consumer Finance\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S008","urls":["https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S008","Authority, issuer, and pinpoint":"DBCF Debt Management Service Provider List; as of February 9, 2026","Direct literal URL":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","Actual access/status and limitations":"One-page PDF actually read and visually inspected; 28 entries. Dated and not proof of October 24 status. \nMississippi Banking & Consumer Finance"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S009","urls":["https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S009","Authority, issuer, and pinpoint":"DBCF 2026 NMLS Renewal Industry Memo; Oct. 30, 2025; pp. 1–2","Direct literal URL":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","Actual access/status and limitations":"Actually read and visually inspected. Applies to the 2026 renewal cycle, not automatically to 2027. \nMississippi Banking & Consumer Finance"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S010","urls":["https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S010","Authority, issuer, and pinpoint":"Mississippi Administrative Code, Title 5, Part 4, Rule 1.3(7), pp. 4–5","Direct literal URL":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","Actual access/status and limitations":"Actually read and visually inspected. Contains complaint, rulemaking, examination, and unlicensed-activity powers; no separate consumer fee schedule located. \nMississippi Secretary of State"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S011","urls":["https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S011","Authority, issuer, and pinpoint":"Rigsby v. American Credit Counselors, Inc., 2017 Miss. App.; facts ¶¶ 2–3 and forum-selection discussion ¶¶ 14–17","Direct literal URL":"https://law.justia.com/cases/mississippi/court-of-appeals/2017/2016-ca-00749-coa.html","Actual access/status and limitations":"Full relevant passages actually read. Merits of Chapter 22 licensing and fees were not decided. \nJustia Law\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S012","urls":["https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/","https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1%3A2022cv00057/114389/98/"],"researcher_record":{"Source ID":"S_MS-P1-S012","Authority, issuer, and pinpoint":"Beech v. Litigation Practice Group, P.C., No. 1:22-cv-57, S.D. Miss., Doc. 98, June 11, 2024","Direct literal URL":"https://law.justia.com/cases/federal/district-courts/mississippi/mssdce/1:2022cv00057/114389/98/","Actual access/status and limitations":"Relevant opinion actually read. Class-certification decision under CROA; not a merits construction of Mississippi Chapter 22. \nJustia Law\n+2"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S013","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_MS-P1-S013","Authority, issuer, and pinpoint":"16 C.F.R. § 310.2(o), (ii), debt-relief service and telemarketing definitions","Direct literal URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","Actual access/status and limitations":"Exact clauses actually read. eCFR displayed through October 22, 2026. \neCFR\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S014","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_MS-P1-S014","Authority, issuer, and pinpoint":"16 C.F.R. § 310.4(a)(2), (5), credit-repair timing, debt-relief performance trigger, allocation, and dedicated accounts","Direct literal URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual access/status and limitations":"Exact clauses actually read; eCFR displayed through October 22, 2026. \neCFR\n+2"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S015","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_MS-P1-S015","Authority, issuer, and pinpoint":"16 C.F.R. § 310.6(b)(3)-(7), relevant exemptions and debt-relief advertising carve-backs","Direct literal URL":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Actual access/status and limitations":"Exact clauses actually read; eCFR displayed through October 22, 2026. \neCFR\n+2"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S016","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S016","Authority, issuer, and pinpoint":"FTC, Debt Relief Services and the Telemarketing Sales Rule: A Guide for Business","Direct literal URL":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Actual access/status and limitations":"Relevant timing and approval discussion actually read. Staff guidance; not binding Mississippi interpretation. \nFederal Trade Commission\n+2"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S017","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1679a/","https://uscode.house.gov/us/usc/119-118/t15/s1679a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S017","Authority, issuer, and pinpoint":"15 U.S.C. § 1679a, CROA definitions and exclusions","Direct literal URL":"https://uscode.house.gov/us/usc/119-118/t15/s1679a/","Actual access/status and limitations":"Exact statutory text actually read; page states laws through Public Law 119-120, October 7, 2026. \nU.S. Code"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S018","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679b/"],"researcher_record":{"Source ID":"S_MS-P1-S018","Authority, issuer, and pinpoint":"15 U.S.C. § 1679b(b), CROA advance-payment prohibition","Direct literal URL":"https://uscode.house.gov/us/usc/119-120/t15/s1679b/","Actual access/status and limitations":"Exact statutory text actually read; current through Public Law 119-120. \nU.S. Code"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S019","urls":["https://dbcf.ms.gov/enforcement-actions/"],"researcher_record":{"Source ID":"S_MS-P1-S019","Authority, issuer, and pinpoint":"DBCF Enforcement Actions page","Direct literal URL":"https://dbcf.ms.gov/enforcement-actions/","Actual access/status and limitations":"Actually inspected and searched for debt-management terms. No relevant public entry was located; absence is not proof of no investigation or action. \nMississippi Banking & Consumer Finance"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S020","urls":["https://www.sos.ms.gov/publications-external-affairs/mississippi-law"],"researcher_record":{"Source ID":"S_MS-P1-S020","Authority, issuer, and pinpoint":"Mississippi Secretary of State, Mississippi Law/public code access page","Direct literal URL":"https://www.sos.ms.gov/publications-external-affairs/mississippi-law","Actual access/status and limitations":"Actually read. Linked current-code publisher route exposed only a shell, not usable § 81-22 text. \nMississippi Secretary of State\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P1-S021","urls":["https://www.nmlsconsumeraccess.org/","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","https://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MS-P1-S021","Authority, issuer, and pinpoint":"NMLS Consumer Access / CSBS public-search information","Direct literal URL":"https://www.nmlsconsumeraccess.org/\nhttps://mortgage.nationwidelicensingsystem.org/knowledge/Products/consumeraccess/SitePages/Home.aspx","Actual access/status and limitations":"Official public-search description located. Direct Consumer Access route did not expose a usable company search in this interface; no named-provider lookup completed. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"see_exact_selected_primary_compilation_agency_summary_failed_SG_routes_case_mirrors_and_explicit_reuse_in_reviews/S_MS-pass-01-source-checks.json","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Current effective status of Chapter 22","researcher_record":{"Component":"Current effective status of Chapter 22","Status":"Answered","Answer/claim IDs":"C001","Exact missing evidence and next investigation":"Obtain a usable official enrolled-act image or current authenticated code text to replace the inaccessible SG route in final publication support."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Custodial DMP classification","researcher_record":{"Component":"Custodial DMP classification","Status":"Answered","Answer/claim IDs":"C002, C004, C017","Exact missing evidence and next investigation":"Full escrow, insolvency, audit, and trust-fund consequences remain later-pass work."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Noncustodial DMP classification","researcher_record":{"Component":"Noncustodial DMP classification","Status":"Answered","Answer/claim IDs":"C005, C009","Exact missing evidence and next investigation":"Seek DBCF interpretation on whether a negotiated DMP concession can be a “settlement” under (c)(xi)."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Principal-reduction/settlement classification","researcher_record":{"Component":"Principal-reduction/settlement classification","Status":"Answered","Answer/claim IDs":"C006, C009-C011","Exact missing evidence and next investigation":"“FTC regulated” and one-settlement/full-fee interpretation remain unresolved."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Credit-improvement classification","researcher_record":{"Component":"Credit-improvement classification","Status":"Answered conditionally","Answer/claim IDs":"C007, C037","Exact missing evidence and next investigation":"Perform full CROA/state credit-services overlap pass based on actual marketing representations."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Gratuitous/no-consideration counseling","researcher_record":{"Component":"Gratuitous/no-consideration counseling","Status":"Partial","Answer/claim IDs":"C003, C007, C012","Exact missing evidence and next investigation":"Determine treatment of creditor fair-share payments, grants, affiliate payments, and nonconsumer compensation."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Mississippi resident/remote provider nexus","researcher_record":{"Component":"Mississippi resident/remote provider nexus","Status":"Answered","Answer/claim IDs":"C008, C019","Exact missing evidence and next investigation":"Nonresident temporarily in Mississippi remains unresolved."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Commercial/business-purpose debt","researcher_record":{"Component":"Commercial/business-purpose debt","Status":"Unresolved","Answer/claim IDs":"C015","Exact missing evidence and next investigation":"Locate DBCF interpretation, Attorney General authority, or controlling case defining “consumer” and commercial obligations."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Original-creditor/self-creditor conduct","researcher_record":{"Component":"Original-creditor/self-creditor conduct","Status":"Partial","Answer/claim IDs":"C016","Exact missing evidence and next investigation":"Research affiliates, servicers, assignees, creditor agents, and state institutional exclusions."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Nonprofit exclusion","researcher_record":{"Component":"Nonprofit exclusion","Status":"Answered","Answer/claim IDs":"C012","Exact missing evidence and next investigation":"Full nonprofit corporate, charitable-solicitation, tax, and federal-jurisdiction analysis remains open."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney exclusion","researcher_record":{"Component":"Attorney exclusion","Status":"Answered at framework level","Answer/claim IDs":"C013, C036","Exact missing evidence and next investigation":"Review Mississippi Rules of Professional Conduct, unauthorized practice, fee sharing, ownership, and actual representation facts."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Financial-institution exclusion","researcher_record":{"Component":"Financial-institution exclusion","Status":"Answered at textual level","Answer/claim IDs":"C014","Exact missing evidence and next investigation":"Determine affiliate and contractor treatment and exact DBCF institution classifications."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Loan-disburser exclusion","researcher_record":{"Component":"Loan-disburser exclusion","Status":"Answered at textual level","Answer/claim IDs":"C014","Exact missing evidence and next investigation":"Apply debtor request, debtor authorization, sole-disbursement, and no-compensation elements to any actual product."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"State license pathway","researcher_record":{"Component":"State license pathway","Status":"Answered","Answer/claim IDs":"C017-C020","Exact missing evidence and next investigation":"Replace dated procedural materials when DBCF posts the 2027 renewal memo."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Current named-provider status","researcher_record":{"Component":"Current named-provider status","Status":"Unresolved absent provider name","Answer/claim IDs":"C019, C039","Exact missing evidence and next investigation":"Search live NMLS record by legal name/NMLS ID and verify the Mississippi license type/status and any regulator conditions."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer dollar-fee caps","researcher_record":{"Component":"Consumer dollar-fee caps","Status":"Answered","Answer/claim IDs":"C021","Exact missing evidence and next investigation":"Monitor statutory amendment; no CPI calculation required."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Percentage/per-debt/savings fee for licensed provider","researcher_record":{"Component":"Percentage/per-debt/savings fee for licensed provider","Status":"Answered","Answer/claim IDs":"C022","Exact missing evidence and next investigation":"No separate licensed pathway identified."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Fee amount for excluded (c)(xi) provider","researcher_record":{"Component":"Fee amount for excluded (c)(xi) provider","Status":"Partial","Answer/claim IDs":"C027-C028","Exact missing evidence and next investigation":"Analyze Mississippi Consumer Protection Act, contract law, unconscionability, attorney rules, and any unpublished DBCF position."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Fee indexing/adjustment","researcher_record":{"Component":"Fee indexing/adjustment","Status":"Answered/negative","Answer/claim IDs":"C023","Exact missing evidence and next investigation":"Recheck future legislation and DBCF bulletins before publication or launch."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Covered-provider agreement timing","researcher_record":{"Component":"Covered-provider agreement timing","Status":"Answered in part","Answer/claim IDs":"C024-C025","Exact missing evidence and next investigation":"Full agreement-form and disclosure audit remains later pass."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Setup/report fee earned timing","researcher_record":{"Component":"Setup/report fee earned timing","Status":"Unresolved beyond text","Answer/claim IDs":"C024","Exact missing evidence and next investigation":"Seek agency interpretation or case authority; inspect actual contract and performance facts."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Cancellation and fee refunds","researcher_record":{"Component":"Cancellation and fee refunds","Status":"Partial","Answer/claim IDs":"C025, C033","Exact missing evidence and next investigation":"Research general contract/consumer law, insolvency, unearned fees, and any state refund remedy."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"State settlement-approval timing","researcher_record":{"Component":"State settlement-approval timing","Status":"Answered textually, interpretation open","Answer/claim IDs":"C027","Exact missing evidence and next investigation":"Define “approved,” “settlement,” oral versus written approval, and one-debt/portfolio consequences."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"TSR debt-relief timing","researcher_record":{"Component":"TSR debt-relief timing","Status":"Answered conditionally","Answer/claim IDs":"C029-C032","Exact missing evidence and next investigation":"Apply to actual call flow, marketing source, debt type, seller, telemarketer, nonprofit status, and exemptions."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Dedicated accounts","researcher_record":{"Component":"Dedicated accounts","Status":"Answered federally; state treatment partial","Answer/claim IDs":"C033-C034","Exact missing evidence and next investigation":"Determine whether provider access/instructions constitute receipt, holding, or indirect control under Mississippi law."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Credit-repair timing","researcher_record":{"Component":"Credit-repair timing","Status":"Answered conditionally","Answer/claim IDs":"C037","Exact missing evidence and next investigation":"Full CROA contract/disclosure/cancellation and Mississippi credit-services overlap remain open."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Processor boundary","researcher_record":{"Component":"Processor boundary","Status":"Partial","Answer/claim IDs":"C034","Exact missing evidence and next investigation":"Full processor contracts, access rights, bonds, notices, bank relationships, and money-transmission analysis remain open."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative regulations","researcher_record":{"Component":"Administrative regulations","Status":"Partial","Answer/claim IDs":"C035","Exact missing evidence and next investigation":"Search archived orders, declaratory rulings, examination manuals, NMLS checklists, and nonindexed agency guidance."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Reported cases","researcher_record":{"Component":"Reported cases","Status":"Partial","Answer/claim IDs":"C036-C038","Exact missing evidence and next investigation":"Conduct paid citator/docket review and search unpublished state trial orders and bankruptcy proceedings."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Full agreement requirements","researcher_record":{"Component":"Full agreement requirements","Status":"Excluded/open","Answer/claim IDs":"Only §§ 81-22-11 points needed for timing used","Exact missing evidence and next investigation":"Later agreement pass: disclosures, creditor list, payment schedule, required notices, electronic signatures, modification, cancellation mechanics."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Full funds/escrow/trust analysis","researcher_record":{"Component":"Full funds/escrow/trust analysis","Status":"Excluded/open","Answer/claim IDs":"Minimal boundary in C034","Exact missing evidence and next investigation":"Later pass: ownership, reconciliation, insolvency, garnishment protection, disbursement failures, processor chain, refunds."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Full bond/security analysis","researcher_record":{"Component":"Full bond/security analysis","Status":"Excluded/open","Answer/claim IDs":"Application amount identified only","Exact missing evidence and next investigation":"Later pass: bond form, claims, beneficiaries, cancellation, aggregate limits, alternatives, processor bond interaction."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Remedies/enforcement/private action","researcher_record":{"Component":"Remedies/enforcement/private action","Status":"Excluded/open","Answer/claim IDs":"Rigsby only as case limitation","Exact missing evidence and next investigation":"Analyze §§ 81-22-19 through -25, MCPA, administrative remedies, restitution, penalties, private right, attorney fees."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Collection-agency overlap","researcher_record":{"Component":"Collection-agency overlap","Status":"Open","Answer/claim IDs":"None implied","Exact missing evidence and next investigation":"Research Mississippi collection-agency and debt-buyer laws for negotiation coupled with collection or creditor representation."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Money-transmitter overlap","researcher_record":{"Component":"Money-transmitter overlap","Status":"Open","Answer/claim IDs":"None implied","Exact missing evidence and next investigation":"Analyze payment flow, possession, transmission, exemptions, and processor roles under current money-transmission law."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Litigation/limitations","researcher_record":{"Component":"Litigation/limitations","Status":"Open","Answer/claim IDs":"None implied","Exact missing evidence and next investigation":"Determine limitation periods, accrual, tolling, class-action issues, arbitration, forum, and choice of law."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Secured debt","researcher_record":{"Component":"Secured debt","Status":"Open","Answer/claim IDs":"State definition broad; TSR definition unsecured","Exact missing evidence and next investigation":"Research mortgages, auto, tax, student, medical, and secured-debt sector rules separately."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Sector-specific debt","researcher_record":{"Component":"Sector-specific debt","Status":"Open","Answer/claim IDs":"None implied","Exact missing evidence and next investigation":"Perform student-loan, tax, medical, mortgage, auto, utility, and government-debt passes."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Local/tribal law","researcher_record":{"Component":"Local/tribal law","Status":"Open","Answer/claim IDs":"None implied","Exact missing evidence and next investigation":"Search municipal ordinances, tribal jurisdiction, sovereign immunity, and reservation transactions."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"General contract and consumer-protection law","researcher_record":{"Component":"General contract and consumer-protection law","Status":"Open and critical for excluded branch","Answer/claim IDs":"C027-C028","Exact missing evidence and next investigation":"Review MCPA, unconscionability, deception, fee disclosures, damages, refund rights, and contract enforceability."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Complete Mississippi acceptance","researcher_record":{"Component":"Complete Mississippi acceptance","Status":"Not given","Answer/claim IDs":"Entire table","Exact missing evidence and next investigation":"Every open category remains required; this pass supports only provider access and consumer fees."},"coordinator_acceptance":"reviewed_partial_with_holds_no_component_or_parent_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}