{"meta":{"key":"s_ms--pass-02","task":"S_MS","title":"SMS focused precision and currentness addendum","parent_title":"Mississippi debt and debt relief law","edition":"pass-02","path":"/research/s_ms--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":8,"sources":11,"review_status":"accepted_with_limits","review_complete":true,"sha256":"10bf20b631c8ab33787f59dc31b608b6a7e605053a771a29e8fb5567ea8d1dd6","headings":["1. Exact federal timing replacements","Replacement for A.19 and S_MS-P1-C037","Replacement for S_MS-P1-C030","Bounded conclusion","Minimal version, effectiveness, and pinpoint matrix","Necessary § 81-22-3 and § 81-22-13 comparison","Freshly read or refreshed in PASS-02","Search-rendered but not fully opened","Directly attempted and inaccessible","Reused without a new PASS-02 fetch","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-02","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederalcreditrepairprecision/sourcepinpointqualificationandremaining2026HB1265primarycurrentnessevidencereconciliation;nofulloverview/fees/examples/FTCregulatedinterpretationrerun","pending_corrections":0},"markdown":"# S_MS PASS-02 — focused precision and currentness addendum\n\n**Actual research/access date:** October 25, 2026, America/Los_Angeles.\n**Relationship to PASS-01:** bounded correction only. PASS-01 remains preserved except for the replacement language, source-use qualifications, and claim/coverage deltas below. This is **not an independent review**, a full Mississippi audit, provider approval, state acceptance, parent-project acceptance, or A066 acceptance.\n\n## 1. Exact federal timing replacements\n\n### Replacement for A.19 and S_MS-P1-C037\n\nWhen the Telemarketing Sales Rule applies to goods or services represented as removing derogatory information from, or improving, a person’s credit history, credit record, or credit rating, 16 C.F.R. § 310.4(a)(2) prohibits requesting or receiving payment until **both** conditions have been satisfied:\n\n1. The entire period during which the seller represented that **all** of the goods or services would be provided has expired; **and**\n2. The seller has provided the person documentation in the form of a consumer report from a consumer reporting agency demonstrating that the promised results were achieved, and that report was issued more than six months after those results were achieved.\n\nThe rule also expressly preserves the Fair Credit Reporting Act requirement that a consumer report may be obtained only for a specified permissible purpose. This is a conditional federal telemarketing rule—not universal credit-repair coverage, not Mississippi fee authority, and not a determination that CROA applies to every debt-relief representation. The separate CROA definitions, exclusions, and full-performance issue preserved in PASS-01 remain unresolved as applied to any particular model. The eCFR text was freshly read on October 25, 2026; it displayed Title 16 as current through October 22, 2026. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### Replacement for S_MS-P1-C030\n\nWhen 16 C.F.R. § 310.4(a)(5) applies, a seller or telemarketer may not request or receive a debt-relief fee until:\n\n- The seller or telemarketer has renegotiated, settled, reduced, or otherwise altered at least one debt pursuant to a settlement agreement, debt-management plan, or other valid contractual agreement **executed by the customer**;\n- The customer has made at least one payment pursuant to that agreement between the customer and the creditor or debt collector; **and**\n- To the extent enrolled debts are altered individually, the fee satisfies the complete proportional-balance or uniform-percentage-of-savings allocation requirements in § 310.4(a)(5)(i)(C).\n\nThis remains conditional federal timing. It does not establish universal TSR coverage, Mississippi permission to charge a fee, or satisfaction of Mississippi’s separate for-profit exclusion. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n**Example preservation:** E01–E03 remain state-only numerical illustrations and do not establish federal earning or collection timing where the TSR, CROA, or another rule independently applies. E04–E11 and all arithmetic remain unchanged.\n\n# 2. HB 1265 currentness follow-up\n\n## Bounded conclusion\n\nThe present record strongly supports the qualified conclusion that the Mississippi Debt Management Services Act **did not expire on July 1, 2026**. The Mississippi Department of Banking and Consumer Finance’s actually read 2026 legislative summary states that HB 1265 removed the July 1, 2026 repeal date and became effective from and after July 1, 2026. The summary is an official agency enactment summary, although it is not the complete operative enrolled act. Its PDF metadata/title string referring to “2019” does not displace the document’s visible body heading, “Legislative Updates: 2026 Regular Session,” or its HB 1265 entry. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf)\n\nOfficial Mississippi Legislature search rendering independently exposes the SG bill title and Section 1’s repeal of § 81-22-31; a separate official search result exposes the July 1, 2026 effective clause. The Legislature’s post-session summary search rendering also reports “Signed 3/30/26” and “Effective 7/1/26.” Those are official-domain search-rendered records, not a freshly opened status XML or signed enrolled image. [Bill Status+3](https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com)\n\nThe official SG PDF, SG HTML, and bill-history XML each returned 502 when directly opened on October 25, 2026. A full LegiScan-hosted reproduction, labeled “Enrolled” by the host while retaining the Legislature document heading “As Sent to Governor,” reproduces Section 1 repealing § 81-22-31, Section 3 bringing forward § 81-22-3, Section 8 bringing forward § 81-22-13, and Section 17 making the act effective July 1, 2026. That reproduction supports text comparison but is not itself an official signed session law, authenticated code page, or primary status record. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nAccordingly:\n\n- **Continuation after July 1, 2026 is strongly supported and is not held as wholly unknown.**\n- The exact complete current official codification of all Chapter 22 provisions has **not** been audited.\n- No official signed/enrolled image, session-law chapter number, or usable primary bill-history/status record was recovered.\n- This pass does not claim that no later amendment, order, regulation, or bulletin exists.\n- Within the specifically compared text, the reproduced 2026 SG versions of § 81-22-3 and § 81-22-13 show no substantive change from the older DBCF compilation; that comparison is narrower than a complete official version audit.\n\n## Minimal version, effectiveness, and pinpoint matrix\n\n| Record/version | Exact relevant pinpoint | What it establishes | Limitation |\n| --- | --- | --- | --- |\n| **DBCF agency compilation hosted at the 2020 URL** | Thirteen PDF pages. § 81-22-3 occupies PDF pages 2–3, indices 1–2; § 81-22-13 is on PDF page 7, index 6; § 81-22-31 is on PDF page 13, index 12. Its histories run through 2019, and its headings state a July 1, 2022 repeal. | Historical agency compilation and comparison text for the definitions, exclusions, and fee section. [MS Banking & Consumer Finance+3](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf) | It is not a current 2026 compilation. Its obsolete 2022 repeal headings cannot establish present effectiveness. |\n| **2025 secondary code mirror used in P1** | P1 S006, §§ 81-22-3 and 81-22-13; displayed the then-existing July 1, 2026 sunset framework. | Preserved intermediate secondary reproduction between the 2019 agency compilation and HB 1265. | Not freshly reread in P2; secondary source; not used alone for the currentness conclusion. |\n| **Official Mississippi Legislature HB 1265 SG PDF/HTML** | Title and Section 1 are visible through official search rendering: § 81-22-31 is repealed. Official search also exposes the Section 17 July 1, 2026 effective language and portions of § 81-22-13. | Official-domain confirmation of the bill’s repeal mechanism, effective clause, and carried-forward fee text. [Bill Status+2](https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com) | Search-rendered only. Direct SG PDF and HTML returned 502; the entire document was not read from the official server. |\n| **DBCF Legislative Updates: 2026 Regular Session** | PDF page 1/index 0, body lines 9–11: HB 1265 removes the July 1, 2026 repeal date and is effective from and after July 1, 2026. | Strong official-agency support that the Act continued after July 1, 2026. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf) | Enactment summary, not complete enacted wording or authenticated code. |\n| **Mississippi Legislature, 2026 Summary of General Legislation** | Official search rendering: “Signed 3/30/26,” “Effective 7/1/26,” and description of repeal of the sunset provision. | Official legislative-summary corroboration of signature and effective dates. [Mississippi Legislature+1](https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com) | Search-rendered only; underlying 269-page PDF was not successfully opened at the relevant page. Not a substitute for the bill-history XML or signed enrolled act. |\n| **LegiScan-hosted full HB 1265 reproduction** | Lines 41–54: Legislature heading and § 1 repeal; lines 60–99: brought-forward § 81-22-3; lines 135–144: brought-forward § 81-22-13; line 220: July 1, 2026 effective clause. | Complete readable comparison copy of the SG legislative text. It reproduces the same relevant § 81-22-3 and § 81-22-13 language used in P1. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614) | Nonofficial host. The host labels it “Enrolled,” but the reproduced document itself says “As Sent to Governor.” Host editorial status was not treated as enacted law. |\n| **Resulting P2 currentness determination** | DBCF 2026 summary + official Legislature search rendering + complete SG reproduction. | High confidence that § 81-22-31 was repealed effective July 1, 2026 and Chapter 22 did not sunset then. | Only medium-high confidence as to the complete present text of every carried-forward provision until an authenticated current code, signed act, or official complete SG copy is read. |\n\n### Necessary § 81-22-3 and § 81-22-13 comparison\n\nThe complete LegiScan-hosted SG reproduction carries forward the relevant definitions and exclusions in § 81-22-3, including subsection (c)(xi), without an observed textual difference from the complete § 81-22-3 appearing in the older DBCF compilation. It likewise carries forward the complete fixed-fee text of § 81-22-13 without an observed textual difference from that older compilation. [LegiScan+3](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThat comparison supports retaining P1’s classification and fixed-fee text. It does **not** establish that no legislation or regulatory action occurred after HB 1265, and it does not convert the old DBCF compilation into a current source.\n\n# 3. Procedure and pinpoint qualifications\n\n| P1 source/use | Corrected P2 pinpoint and scope | Permitted conclusion | Required limitation |\n| --- | --- | --- | --- |\n| **P1 S010 / C035 — Administrative Code** | The PDF is 20 pages. Title 5, Part 4, Rule 1.3(7)(a)–(d) appears on **printed pages 5–6, PDF indices 4–5**, parsed lines 171–198. It authorizes complaint work, rules, licensee examinations, and nonlicensee investigations. The $300–$600 amount is per in-state office/location, plus actual expense for records outside Mississippi; ordinary examinations are no more frequent than once in two years absent cause. [Mississippi Secretary of State+4](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf) | Government/licensee examination costs and enforcement powers. | These are not consumer fees. No exhaustive search of all administrative rules, amendments, adoption records, orders, or present codification history was performed. |\n| **P1 S009 / C020 — 2026 renewal memo** | Four PDF pages. Header on printed page 1/PDF index 0: October 30, 2025. Renewals were to be submitted November 1–December 31, 2025 to obtain a 2026 license. Selected fee material is on printed page 2/PDF index 1: $475 debt-management renewal, plus $1 EOC, and $120 NMLS company processing fee. [MS Banking & Consumer Finance+4](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf) | Dated 2026-cycle operational procedure and government/NMLS charges. | It is not a 2027 schedule, not a consumer-fee rule, and not proof of any provider’s current status. P1’s “pp. 1–2” description meant selected relevant pages, not that the PDF had only two pages. |\n| **P1 S007 — Consumer Finance page** | Complete debt-management body at lines 113–136: NMLS route, January 1–December 31 license period, $750 initial/$475 renewal, $50,000 security alternatives, and eleven listed application requirements. [MS Banking & Consumer Finance](https://dbcf.ms.gov/consumer-finance/) | Current DBCF public application instructions as displayed October 25, 2026. | The actual NMLS checklist, an applicant file, and any provider-specific NMLS result were not read. Procedure does not itself prove legal permission or approval. |\n| **P1 S008 — licensee list** | One-page PDF; all 28 company rows and the “Licensee List as of 02/09/2026” footer were read. Numerous out-of-state addresses demonstrate a historical remote-provider licensing route. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf) | Historical evidence that DBCF issued this license type to remote providers as of February 9, 2026. | It cannot establish any listed entity’s status on October 25, 2026 and is not current provider approval. |\n| **P1 S001 — DBCF Act compilation** | Thirteen pages, not eleven. Complete §§ 81-22-3, -5, -7, -9, -11, and -13 were read; selected fair-share material in § 81-22-15 and complete § 81-22-28 were also observed; § 81-22-31 appears on the final page. | Historical wording and section comparison. | It is a 2019-history compilation with obsolete 2022 repeal headings, not current operative 2026 proof. |\n\n# 4. Focused PASS-02 source register\n\n| P2 source ID / old alias | Authority and direct literal URL | Exact use, access status, and limitation |\n| --- | --- | --- |\n| **S_MS-P2-S001** / P1 **S014** | 16 C.F.R. § 310.4, eCFR: [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) | **Freshly read October 25, 2026.** Displayed Title 16 current through October 22, 2026. Credit-repair rule at lines 103–109; debt-relief trigger/allocation at lines 115–122. The eCFR is authoritative but unofficial. [eCFR+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_MS-P2-S002** / P1 **S003** | Mississippi DBCF, *Legislative Updates: 2026 Regular Session*: [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) | **Freshly read and visually inspected.** Three PDF pages; HB 1265 on page 1/index 0, lines 9–11. Official agency enactment summary, not complete bill text. Stale “2019” metadata/title string does not change the visible 2026 body. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf) |\n| **S_MS-P2-S003** / P1 **S002** | Official SG PDF: [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 SG HTML: [https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm](https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm?utm_source=chatgpt.com) Official history XML: [https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml](https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml) | **Fresh official search rendering; direct fetch failed.** Search exposed title, § 1 repeal, portions of § 81-22-13, and the effective clause. All three direct routes returned 502 on October 25, 2026. Not counted as a complete official-document read. [Bill Status+1](https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com) |\n| **S_MS-P2-S004** / new | Mississippi Legislature, *Summary of General Legislation, 2026*: [https://www.legislature.ms.gov/media/1368/26-summary.pdf](https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com) | **Official search-rendered only.** Search result reports HB 1265 signed March 30, 2026, effective July 1, 2026, and repealing the sunset section. The relevant PDF page was not opened; used only as official-summary corroboration, not primary status proof. [Mississippi Legislature+1](https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com) |\n| **S_MS-P2-S005** / new | LegiScan reproduction, HB 1265: [https://legiscan.com/MS/text/HB1265/id/3401614](https://legiscan.com/MS/text/HB1265/id/3401614?utm_source=chatgpt.com) | **Freshly read in full.** Lines 41–220 reproduce the Legislature’s SG text, including §§ 1, 3, 8, and 17. Nonofficial host; the host calls it “Enrolled,” while the reproduced heading says “As Sent to Governor.” Used for text comparison only. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614) |\n| **S_MS-P2-S006** / P1 **S001** | DBCF-hosted Act compilation: [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 sections freshly reread and visually inspected.** Thirteen pages; historical text and history through 2019; obsolete July 1, 2022 headings. Used as comparison text, not current-effect proof. [MS Banking & Consumer Finance+3](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf) |\n| **S_MS-P2-S007** / P1 **S006** | 2025 secondary code mirror: [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-81-22-13/](https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/?utm_source=chatgpt.com) | **P1 reuse only; not freshly reread in P2.** Retained as a secondary pre-HB-1265 reproduction. It is not used alone to establish present effectiveness. |\n| **S_MS-P2-S008** / P1 **S010** | Mississippi SOS, Title 5, Part 4 Organizational Rules: [https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf?utm_source=chatgpt.com) | **Freshly read and visually inspected.** Twenty pages; Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, parsed lines 171–198. No exhaustive all-rule or adoption-history review. [Mississippi Secretary of State+2](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf) |\n| **S_MS-P2-S009** / P1 **S009** | DBCF 2026 renewal memo: [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) | **Freshly read and visually inspected.** Four pages; header/date on index 0 and selected renewal/fee text on index 1. Applies to November–December 2025 renewals for the 2026 cycle. [MS Banking & Consumer Finance+3](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf) |\n| **S_MS-P2-S010** / P1 **S007** | DBCF Consumer Finance page: [https://dbcf.ms.gov/consumer-finance/](https://dbcf.ms.gov/consumer-finance/?utm_source=chatgpt.com) | **Freshly read.** Complete debt-management application body at lines 113–136. Actual NMLS checklist and provider-specific results not read. [MS Banking & Consumer Finance](https://dbcf.ms.gov/consumer-finance/) |\n| **S_MS-P2-S011** / P1 **S008** | DBCF February 2026 licensee list: [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) | **Freshly read and visually inspected.** One page, 28 rows, footer dated February 9, 2026. Historical route evidence only. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf) |\n\nThe FTC staff guide, CROA statutory provisions, *Rigsby*, and *Beech* remain evidence-backed P1 reuse exactly within their previously stated limits. They were not re-fetched or expanded in this correction and are not counted as newly read P2 authorities.\n\n# 5. Focused claim delta table\n\n| P2 claim ID / old alias | Replacement or clarified assertion | Sources and pinpoints | Conditions and confidence |\n| --- | --- | --- | --- |\n| **S_MS-P2-C001** / P1 **C037** | When § 310.4(a)(2) applies to represented credit-repair goods or services, payment cannot be requested or received until both the represented period for provision of all goods/services has expired and the seller has supplied the person a CRA consumer report demonstrating the promised results, issued more than six months after achievement; the FCRA permissible-purpose requirement remains unaffected. | S_MS-P2-S001, § 310.4(a)(2), lines 103–109. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High as conditional federal rule.** TSR coverage, CROA coverage/exclusions, and application to a particular representation remain unresolved. |\n| **S_MS-P2-C002** / P1 **C030** | When § 310.4(a)(5) applies, the fee trigger requires a customer-executed valid agreement altering at least one debt, a customer payment under the customer-creditor/debt-collector agreement, and satisfaction of the applicable allocation requirement for debts resolved individually. | S_MS-P2-S001, § 310.4(a)(5)(i)(A)–(C), lines 115–122. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | **High as conditional federal rule.** No universal TSR coverage or state fee permission is inferred. |\n| **S_MS-P2-C003** / P1 **C001** | Chapter 22 did not sunset on July 1, 2026: HB 1265 repealed § 81-22-31 effective July 1, 2026. | S_MS-P2-S002 page 1/index 0, lines 9–11; S_MS-P2-S003 official search-rendered § 1/effective clause; S_MS-P2-S004 official post-session summary search rendering; S_MS-P2-S005 §§ 1 and 17 reproduction. [MS Banking & Consumer Finance+3](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf) | **High for continuation.** Full official SG/status document and authenticated current code were not obtained, so this is not a complete version audit. |\n| **S_MS-P2-C004** / P1 **C021** | HB 1265’s complete SG reproduction carries forward the same relevant fixed-fee text in § 81-22-13 used in P1; no textual difference was observed against the older DBCF compilation for that section. | S_MS-P2-S005 lines 135–144; S_MS-P2-S006 PDF page 7/index 6. [LegiScan+2](https://legiscan.com/MS/text/HB1265/id/3401614) | **High for the comparison performed; medium-high as present official codification.** No fee menu is regenerated here. |\n| **S_MS-P2-C005** / P1 **C023** | HB 1265 itself carries forward § 81-22-13’s fixed amounts without adding an indexing mechanism. P2 does not establish the absence of every later amendment, rule, order, or bulletin. P1’s “no published adjustment notice located” remains bounded to P1’s earlier official-resource search. | S_MS-P2-S005 lines 135–144; S_MS-P2-S002 HB 1265 summary. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614) | **High as to HB 1265’s reproduced text; held as to exhaustive post-enactment negative search.** |\n| **S_MS-P2-C006** / P1 **C035** | Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, supplies complaint, rulemaking, licensee-examination, and nonlicensee-investigation powers; the $300–$600 and outside-record expense provisions are governmental examination costs, not consumer fees. | S_MS-P2-S008, parsed lines 171–198. [Mississippi Secretary of State+1](https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf) | **High for the passage read.** No exhaustive all-rules/current-adoption audit. |\n| **S_MS-P2-C007** / P1 **C020** | The October 30, 2025 memo’s $475 debt-management renewal, $1 EOC, and $120 company processing amounts are dated 2026-cycle operational charges, not a 2027 schedule or consumer charges. | S_MS-P2-S009, index 0 lines 5–14 and index 1 lines 33–57. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf) | **High for that renewal cycle only.** |\n| **S_MS-P2-C008** / P1 **C018/C019 source-use clarification** | DBCF’s current webpage demonstrates the public application route and listed minimum requirements; the February 9, 2026 list demonstrates historical remote-provider licensing. Neither establishes a named provider’s October 25, 2026 authorization. | S_MS-P2-S010 lines 113–136; S_MS-P2-S011 all rows/footer. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/consumer-finance/) | **High as procedural/historical evidence; provider-specific status remains unresolved.** |\n\nP1 C009 and C011 are unchanged: the for-profit exclusion still requires for-profit status plus **all three** statutory conditions, and “regulated by the FTC” remains unresolved. Nothing in P2 converts the exclusion into a license, approval, or unlimited-fee pathway.\n\n# 6. Focused coverage delta\n\nOnly the original P1 **“Current effective status of Chapter 22”** coverage row is replaced. The remaining entries below are P2 correction tracking, not a regeneration of the 41-row P1 coverage table.\n\n| Component | P2 status | Claims | Exact remaining gap / next investigation |\n| --- | --- | --- | --- |\n| **Current effective status of Chapter 22 — replacement P1 coverage cell** | **Answered for continuation; partial for complete official version audit** | S_MS-P2-C003–C005 | Retrieve a usable official SG/approved/enrolled image and bill-history/status record; identify any session-law chapter number; compare §§ 1, 3, 8, and 17 against S_MS-P2-S005; inspect an authenticated current code; then conduct a bounded post-HB-1265 amendment check for §§ 81-22-3 and -13. Until then, do not downgrade the strong agency-supported continuation conclusion or elevate it to a complete codification audit. |\n| **TSR credit-repair timing precision** | **Corrected** | S_MS-P2-C001 | Apply only after actual telemarketing coverage and actual credit-improvement representations are established. CROA definitions, exclusions, full performance, and state overlap remain open. |\n| **TSR debt-relief trigger precision** | **Corrected** | S_MS-P2-C002 | Actual call flow, exemptions, debt type, customer-executed agreement, first payment, and allocation method remain fact-dependent. |\n| **Administrative/procedure pinpoints** | **Corrected and bounded** | S_MS-P2-C006–C008 | No exhaustive rules/adoption-order search, 2027 renewal review, NMLS checklist review, or live provider-status lookup was performed. |\n| **All other P1 gaps** | **Unchanged and unresolved** | P1 claim and coverage IDs preserved | “Regulated by FTC,” Mississippi settlement approval, whether a DMP concession is a settlement, one-debt/full-fee treatment, funds control and dedicated accounts, business purpose, original creditor/affiliate treatment, actual provider status, sales facts, CROA, general consumer/contract law, remedies, funds, bond, processor, collection, courts, secured/sector debts, local, and tribal issues remain required. No issue is cleared by implication. |\n\n# 7. Researcher self-check\n\n### Freshly read or refreshed in PASS-02\n\n- The operative text of 16 C.F.R. § 310.4(a)(2) and § 310.4(a)(5)(i)(A)–(C), including the eCFR current-through display.\n- The complete three-page DBCF 2026 legislative-update PDF, including visual inspection of its first page.\n- The complete relevant §§ 81-22-3, -13, and -31 in the thirteen-page DBCF historical compilation, with visual inspection of the relevant pages.\n- The full LegiScan-hosted HB 1265 SG reproduction.\n- Rule 1.3(7)(a)–(d) on printed pages 5–6/PDF indices 4–5 of the twenty-page administrative PDF.\n- The selected relevant first and second pages of the four-page 2026 renewal memo.\n- The complete DBCF debt-management webpage body at lines 113–136.\n- All 28 rows and the dated footer in the one-page February 2026 licensee list.\n\n### Search-rendered but not fully opened\n\n- The official Mississippi Legislature HB 1265 SG PDF/HTML.\n- The official 2026 Summary of General Legislation entry for HB 1265.\n- The official search rendering supplied usable portions of the bill and official-summary status information, but those results were not treated as equivalent to reading a signed act or status record.\n\n### Directly attempted and inaccessible\n\n- Official SG PDF: 502.\n- Official SG HTML: 502.\n- Official bill-history XML: 502.\n- The supplied amendment-report failure was not repeatedly hammered.\n\n### Reused without a new PASS-02 fetch\n\n- P1’s 2025 secondary code mirror.\n- The previously coordinator-read FTC staff guide.\n- The previously coordinator-read CROA §§ 1679a and 1679b materials.\n- *Rigsby* and selected portions of *Beech*.\n- Their prior limitations remain intact; none was upgraded to a fresh Mississippi read or a merits holding.\n\n### Process and mode\n\nThis addendum was completed in **regular Chat using GPT-5.6 Sol Pro**, the actual available quality-first model. No Deep Research, Work mode, Codex generation, Chrome control, browser-tab creation, API, purchase, account change, contact, private borrower data, application filing, site change, local-write claim, or publication action was used.\n\n**END S_MS PASS-02.**\n\n","tables":[{"headers":["Record/version","Exact relevant pinpoint","What it establishes","Limitation"],"index":0,"links":[{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","text":"MS Banking & Consumer Finance\n+3"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"Bill Status\n+2"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+1"},{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"Mississippi Legislature\n+1"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan"}],"row_links":[[],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","text":"MS Banking & Consumer Finance\n+3"}],[],[{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"Bill Status\n+2"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+1"}],[{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"Mississippi Legislature\n+1"}],[{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan"}],[]],"rows":[["Record/version","Exact relevant pinpoint","What it establishes","Limitation"],["DBCF agency compilation hosted at the 2020 URL","Thirteen PDF pages. § 81-22-3 occupies PDF pages 2–3, indices 1–2; § 81-22-13 is on PDF page 7, index 6; § 81-22-31 is on PDF page 13, index 12. Its histories run through 2019, and its headings state a July 1, 2022 repeal.","Historical agency compilation and comparison text for the definitions, exclusions, and fee section. \nMS Banking & Consumer Finance\n+3","It is not a current 2026 compilation. Its obsolete 2022 repeal headings cannot establish present effectiveness."],["2025 secondary code mirror used in P1","P1 S006, §§ 81-22-3 and 81-22-13; displayed the then-existing July 1, 2026 sunset framework.","Preserved intermediate secondary reproduction between the 2019 agency compilation and HB 1265.","Not freshly reread in P2; secondary source; not used alone for the currentness conclusion."],["Official Mississippi Legislature HB 1265 SG PDF/HTML","Title and Section 1 are visible through official search rendering: § 81-22-31 is repealed. Official search also exposes the Section 17 July 1, 2026 effective language and portions of § 81-22-13.","Official-domain confirmation of the bill’s repeal mechanism, effective clause, and carried-forward fee text. \nBill Status\n+2","Search-rendered only. Direct SG PDF and HTML returned 502; the entire document was not read from the official server."],["DBCF Legislative Updates: 2026 Regular Session","PDF page 1/index 0, body lines 9–11: HB 1265 removes the July 1, 2026 repeal date and is effective from and after July 1, 2026.","Strong official-agency support that the Act continued after July 1, 2026. \nMS Banking & Consumer Finance\n+1","Enactment summary, not complete enacted wording or authenticated code."],["Mississippi Legislature, 2026 Summary of General Legislation","Official search rendering: “Signed 3/30/26,” “Effective 7/1/26,” and description of repeal of the sunset provision.","Official legislative-summary corroboration of signature and effective dates. \nMississippi Legislature\n+1","Search-rendered only; underlying 269-page PDF was not successfully opened at the relevant page. Not a substitute for the bill-history XML or signed enrolled act."],["LegiScan-hosted full HB 1265 reproduction","Lines 41–54: Legislature heading and § 1 repeal; lines 60–99: brought-forward § 81-22-3; lines 135–144: brought-forward § 81-22-13; line 220: July 1, 2026 effective clause.","Complete readable comparison copy of the SG legislative text. It reproduces the same relevant § 81-22-3 and § 81-22-13 language used in P1. \nLegiScan","Nonofficial host. The host labels it “Enrolled,” but the reproduced document itself says “As Sent to Governor.” Host editorial status was not treated as enacted law."],["Resulting P2 currentness determination","DBCF 2026 summary + official Legislature search rendering + complete SG reproduction.","High confidence that § 81-22-31 was repealed effective July 1, 2026 and Chapter 22 did not sunset then.","Only medium-high confidence as to the complete present text of every carried-forward provision until an authenticated current code, signed act, or official complete SG copy is read."]]},{"headers":["P1 source/use","Corrected P2 pinpoint and scope","Permitted conclusion","Required limitation"],"index":1,"links":[{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State\n+4"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","text":"MS Banking & Consumer Finance\n+4"},{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"MS Banking & Consumer Finance\n+1"}],"row_links":[[],[{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State\n+4"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","text":"MS Banking & Consumer Finance\n+4"}],[{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","text":"MS Banking & Consumer Finance\n+1"}],[]],"rows":[["P1 source/use","Corrected P2 pinpoint and scope","Permitted conclusion","Required limitation"],["P1 S010 / C035 — Administrative Code","The PDF is 20 pages. Title 5, Part 4, Rule 1.3(7)(a)–(d) appears on printed pages 5–6, PDF indices 4–5, parsed lines 171–198. It authorizes complaint work, rules, licensee examinations, and nonlicensee investigations. The $300–$600 amount is per in-state office/location, plus actual expense for records outside Mississippi; ordinary examinations are no more frequent than once in two years absent cause. \nMississippi Secretary of State\n+4","Government/licensee examination costs and enforcement powers.","These are not consumer fees. No exhaustive search of all administrative rules, amendments, adoption records, orders, or present codification history was performed."],["P1 S009 / C020 — 2026 renewal memo","Four PDF pages. Header on printed page 1/PDF index 0: October 30, 2025. Renewals were to be submitted November 1–December 31, 2025 to obtain a 2026 license. Selected fee material is on printed page 2/PDF index 1: $475 debt-management renewal, plus $1 EOC, and $120 NMLS company processing fee. \nMS Banking & Consumer Finance\n+4","Dated 2026-cycle operational procedure and government/NMLS charges.","It is not a 2027 schedule, not a consumer-fee rule, and not proof of any provider’s current status. P1’s “pp. 1–2” description meant selected relevant pages, not that the PDF had only two pages."],["P1 S007 — Consumer Finance page","Complete debt-management body at lines 113–136: NMLS route, January 1–December 31 license period, $750 initial/$475 renewal, $50,000 security alternatives, and eleven listed application requirements. \nMS Banking & Consumer Finance","Current DBCF public application instructions as displayed October 25, 2026.","The actual NMLS checklist, an applicant file, and any provider-specific NMLS result were not read. Procedure does not itself prove legal permission or approval."],["P1 S008 — licensee list","One-page PDF; all 28 company rows and the “Licensee List as of 02/09/2026” footer were read. Numerous out-of-state addresses demonstrate a historical remote-provider licensing route. \nMS Banking & Consumer Finance\n+1","Historical evidence that DBCF issued this license type to remote providers as of February 9, 2026.","It cannot establish any listed entity’s status on October 25, 2026 and is not current provider approval."],["P1 S001 — DBCF Act compilation","Thirteen pages, not eleven. Complete §§ 81-22-3, -5, -7, -9, -11, and -13 were read; selected fair-share material in § 81-22-15 and complete § 81-22-28 were also observed; § 81-22-31 appears on the final page.","Historical wording and section comparison.","It is a 2019-history compilation with obsolete 2022 repeal headings, not current operative 2026 proof."]]},{"headers":["P2 source ID / old alias","Authority and direct literal URL","Exact use, access status, and limitation"],"index":2,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+2"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+1"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm"},{"href":"https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml","text":"https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"Bill Status\n+1"},{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"https://www.legislature.ms.gov/media/1368/26-summary.pdf"},{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"Mississippi Legislature\n+1"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614?utm_source=chatgpt.com","text":"https://legiscan.com/MS/text/HB1265/id/3401614"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan"},{"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":"MS Banking & Consumer Finance\n+3"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/"},{"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\n+2"},{"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":"MS Banking & Consumer Finance\n+3"},{"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":"MS Banking & Consumer Finance"},{"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":"MS Banking & Consumer Finance\n+1"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+2"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf?utm_source=chatgpt.com","text":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+1"}],[{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm?utm_source=chatgpt.com","text":"https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm"},{"href":"https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml","text":"https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml"},{"href":"https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","text":"Bill Status\n+1"}],[{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"https://www.legislature.ms.gov/media/1368/26-summary.pdf"},{"href":"https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com","text":"Mississippi Legislature\n+1"}],[{"href":"https://legiscan.com/MS/text/HB1265/id/3401614?utm_source=chatgpt.com","text":"https://legiscan.com/MS/text/HB1265/id/3401614"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan"}],[{"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":"MS Banking & Consumer Finance\n+3"}],[{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/"},{"href":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/?utm_source=chatgpt.com","text":"https://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/"}],[{"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\n+2"}],[{"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":"MS Banking & Consumer Finance\n+3"}],[{"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":"MS Banking & Consumer Finance"}],[{"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":"MS Banking & Consumer Finance\n+1"}]],"rows":[["P2 source ID / old alias","Authority and direct literal URL","Exact use, access status, and limitation"],["S_MS-P2-S001 / P1 S014","16 C.F.R. § 310.4, eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Freshly read October 25, 2026. Displayed Title 16 current through October 22, 2026. Credit-repair rule at lines 103–109; debt-relief trigger/allocation at lines 115–122. The eCFR is authoritative but unofficial. \neCFR\n+2"],["S_MS-P2-S002 / P1 S003","Mississippi DBCF, Legislative Updates: 2026 Regular Session: https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Freshly read and visually inspected. Three PDF pages; HB 1265 on page 1/index 0, lines 9–11. Official agency enactment summary, not complete bill text. Stale “2019” metadata/title string does not change the visible 2026 body. \nMS Banking & Consumer Finance\n+1"],["S_MS-P2-S003 / P1 S002","Official SG PDF: https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf\nOfficial SG HTML: https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm\nOfficial history XML: https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml","Fresh official search rendering; direct fetch failed. Search exposed title, § 1 repeal, portions of § 81-22-13, and the effective clause. All three direct routes returned 502 on October 25, 2026. Not counted as a complete official-document read. \nBill Status\n+1"],["S_MS-P2-S004 / new","Mississippi Legislature, Summary of General Legislation, 2026: https://www.legislature.ms.gov/media/1368/26-summary.pdf","Official search-rendered only. Search result reports HB 1265 signed March 30, 2026, effective July 1, 2026, and repealing the sunset section. The relevant PDF page was not opened; used only as official-summary corroboration, not primary status proof. \nMississippi Legislature\n+1"],["S_MS-P2-S005 / new","LegiScan reproduction, HB 1265: https://legiscan.com/MS/text/HB1265/id/3401614","Freshly read in full. Lines 41–220 reproduce the Legislature’s SG text, including §§ 1, 3, 8, and 17. Nonofficial host; the host calls it “Enrolled,” while the reproduced heading says “As Sent to Governor.” Used for text comparison only. \nLegiScan"],["S_MS-P2-S006 / P1 S001","DBCF-hosted Act compilation: https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Relevant sections freshly reread and visually inspected. Thirteen pages; historical text and history through 2019; obsolete July 1, 2022 headings. Used as comparison text, not current-effect proof. \nMS Banking & Consumer Finance\n+3"],["S_MS-P2-S007 / P1 S006","2025 secondary code mirror:\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","P1 reuse only; not freshly reread in P2. Retained as a secondary pre-HB-1265 reproduction. It is not used alone to establish present effectiveness."],["S_MS-P2-S008 / P1 S010","Mississippi SOS, Title 5, Part 4 Organizational Rules: https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","Freshly read and visually inspected. Twenty pages; Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, parsed lines 171–198. No exhaustive all-rule or adoption-history review. \nMississippi Secretary of State\n+2"],["S_MS-P2-S009 / P1 S009","DBCF 2026 renewal memo: https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","Freshly read and visually inspected. Four pages; header/date on index 0 and selected renewal/fee text on index 1. Applies to November–December 2025 renewals for the 2026 cycle. \nMS Banking & Consumer Finance\n+3"],["S_MS-P2-S010 / P1 S007","DBCF Consumer Finance page: https://dbcf.ms.gov/consumer-finance/","Freshly read. Complete debt-management application body at lines 113–136. Actual NMLS checklist and provider-specific results not read. \nMS Banking & Consumer Finance"],["S_MS-P2-S011 / P1 S008","DBCF February 2026 licensee list: https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","Freshly read and visually inspected. One page, 28 rows, footer dated February 9, 2026. Historical route evidence only. \nMS Banking & Consumer Finance\n+1"]]},{"headers":["P2 claim ID / old alias","Replacement or clarified assertion","Sources and pinpoints","Conditions and confidence"],"index":3,"links":[{"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\n+1"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+3"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+2"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+1"},{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State\n+1"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","text":"MS Banking & Consumer Finance\n+1"},{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance\n+1"}],"row_links":[[],[{"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\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance\n+3"}],[{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+2"}],[{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+1"}],[{"href":"https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","text":"Mississippi Secretary of State\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","text":"MS Banking & Consumer Finance\n+1"}],[{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance\n+1"}]],"rows":[["P2 claim ID / old alias","Replacement or clarified assertion","Sources and pinpoints","Conditions and confidence"],["S_MS-P2-C001 / P1 C037","When § 310.4(a)(2) applies to represented credit-repair goods or services, payment cannot be requested or received until both the represented period for provision of all goods/services has expired and the seller has supplied the person a CRA consumer report demonstrating the promised results, issued more than six months after achievement; the FCRA permissible-purpose requirement remains unaffected.","S_MS-P2-S001, § 310.4(a)(2), lines 103–109. \neCFR\n+1","High as conditional federal rule. TSR coverage, CROA coverage/exclusions, and application to a particular representation remain unresolved."],["S_MS-P2-C002 / P1 C030","When § 310.4(a)(5) applies, the fee trigger requires a customer-executed valid agreement altering at least one debt, a customer payment under the customer-creditor/debt-collector agreement, and satisfaction of the applicable allocation requirement for debts resolved individually.","S_MS-P2-S001, § 310.4(a)(5)(i)(A)–(C), lines 115–122. \neCFR\n+1","High as conditional federal rule. No universal TSR coverage or state fee permission is inferred."],["S_MS-P2-C003 / P1 C001","Chapter 22 did not sunset on July 1, 2026: HB 1265 repealed § 81-22-31 effective July 1, 2026.","S_MS-P2-S002 page 1/index 0, lines 9–11; S_MS-P2-S003 official search-rendered § 1/effective clause; S_MS-P2-S004 official post-session summary search rendering; S_MS-P2-S005 §§ 1 and 17 reproduction. \nMS Banking & Consumer Finance\n+3","High for continuation. Full official SG/status document and authenticated current code were not obtained, so this is not a complete version audit."],["S_MS-P2-C004 / P1 C021","HB 1265’s complete SG reproduction carries forward the same relevant fixed-fee text in § 81-22-13 used in P1; no textual difference was observed against the older DBCF compilation for that section.","S_MS-P2-S005 lines 135–144; S_MS-P2-S006 PDF page 7/index 6. \nLegiScan\n+2","High for the comparison performed; medium-high as present official codification. No fee menu is regenerated here."],["S_MS-P2-C005 / P1 C023","HB 1265 itself carries forward § 81-22-13’s fixed amounts without adding an indexing mechanism. P2 does not establish the absence of every later amendment, rule, order, or bulletin. P1’s “no published adjustment notice located” remains bounded to P1’s earlier official-resource search.","S_MS-P2-S005 lines 135–144; S_MS-P2-S002 HB 1265 summary. \nLegiScan\n+1","High as to HB 1265’s reproduced text; held as to exhaustive post-enactment negative search."],["S_MS-P2-C006 / P1 C035","Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, supplies complaint, rulemaking, licensee-examination, and nonlicensee-investigation powers; the $300–$600 and outside-record expense provisions are governmental examination costs, not consumer fees.","S_MS-P2-S008, parsed lines 171–198. \nMississippi Secretary of State\n+1","High for the passage read. No exhaustive all-rules/current-adoption audit."],["S_MS-P2-C007 / P1 C020","The October 30, 2025 memo’s $475 debt-management renewal, $1 EOC, and $120 company processing amounts are dated 2026-cycle operational charges, not a 2027 schedule or consumer charges.","S_MS-P2-S009, index 0 lines 5–14 and index 1 lines 33–57. \nMS Banking & Consumer Finance\n+1","High for that renewal cycle only."],["S_MS-P2-C008 / P1 C018/C019 source-use clarification","DBCF’s current webpage demonstrates the public application route and listed minimum requirements; the February 9, 2026 list demonstrates historical remote-provider licensing. Neither establishes a named provider’s October 25, 2026 authorization.","S_MS-P2-S010 lines 113–136; S_MS-P2-S011 all rows/footer. \nMS Banking & Consumer Finance\n+1","High as procedural/historical evidence; provider-specific status remains unresolved."]]},{"headers":["Component","P2 status","Claims","Exact remaining gap / next investigation"],"index":4,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Component","P2 status","Claims","Exact remaining gap / next investigation"],["Current effective status of Chapter 22 — replacement P1 coverage cell","Answered for continuation; partial for complete official version audit","S_MS-P2-C003–C005","Retrieve a usable official SG/approved/enrolled image and bill-history/status record; identify any session-law chapter number; compare §§ 1, 3, 8, and 17 against S_MS-P2-S005; inspect an authenticated current code; then conduct a bounded post-HB-1265 amendment check for §§ 81-22-3 and -13. Until then, do not downgrade the strong agency-supported continuation conclusion or elevate it to a complete codification audit."],["TSR credit-repair timing precision","Corrected","S_MS-P2-C001","Apply only after actual telemarketing coverage and actual credit-improvement representations are established. CROA definitions, exclusions, full performance, and state overlap remain open."],["TSR debt-relief trigger precision","Corrected","S_MS-P2-C002","Actual call flow, exemptions, debt type, customer-executed agreement, first payment, and allocation method remain fact-dependent."],["Administrative/procedure pinpoints","Corrected and bounded","S_MS-P2-C006–C008","No exhaustive rules/adoption-order search, 2027 renewal review, NMLS checklist review, or live provider-status lookup was performed."],["All other P1 gaps","Unchanged and unresolved","P1 claim and coverage IDs preserved","“Regulated by FTC,” Mississippi settlement approval, whether a DMP concession is a settlement, one-debt/full-fee treatment, funds control and dedicated accounts, business purpose, original creditor/affiliate treatment, actual provider status, sales facts, CROA, general consumer/contract law, remedies, funds, bond, processor, collection, courts, secured/sector debts, local, and tribal issues remain required. No issue is cleared by implication."]]}],"claims":[{"claim_id":"S_MS-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C001 / P1 C037","Replacement or clarified assertion":"When § 310.4(a)(2) applies to represented credit-repair goods or services, payment cannot be requested or received until both the represented period for provision of all goods/services has expired and the seller has supplied the person a CRA consumer report demonstrating the promised results, issued more than six months after achievement; the FCRA permissible-purpose requirement remains unaffected.","Sources and pinpoints":"S_MS-P2-S001, § 310.4(a)(2), lines 103–109. \neCFR\n+1","Conditions and confidence":"High as conditional federal rule. TSR coverage, CROA coverage/exclusions, and application to a particular representation remain unresolved."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C002 / P1 C030","Replacement or clarified assertion":"When § 310.4(a)(5) applies, the fee trigger requires a customer-executed valid agreement altering at least one debt, a customer payment under the customer-creditor/debt-collector agreement, and satisfaction of the applicable allocation requirement for debts resolved individually.","Sources and pinpoints":"S_MS-P2-S001, § 310.4(a)(5)(i)(A)–(C), lines 115–122. \neCFR\n+1","Conditions and confidence":"High as conditional federal rule. No universal TSR coverage or state fee permission is inferred."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C003 / P1 C001","Replacement or clarified assertion":"Chapter 22 did not sunset on July 1, 2026: HB 1265 repealed § 81-22-31 effective July 1, 2026.","Sources and pinpoints":"S_MS-P2-S002 page 1/index 0, lines 9–11; S_MS-P2-S003 official search-rendered § 1/effective clause; S_MS-P2-S004 official post-session summary search rendering; S_MS-P2-S005 §§ 1 and 17 reproduction. \nMS Banking & Consumer Finance\n+3","Conditions and confidence":"High for continuation. Full official SG/status document and authenticated current code were not obtained, so this is not a complete version audit."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C004 / P1 C021","Replacement or clarified assertion":"HB 1265’s complete SG reproduction carries forward the same relevant fixed-fee text in § 81-22-13 used in P1; no textual difference was observed against the older DBCF compilation for that section.","Sources and pinpoints":"S_MS-P2-S005 lines 135–144; S_MS-P2-S006 PDF page 7/index 6. \nLegiScan\n+2","Conditions and confidence":"High for the comparison performed; medium-high as present official codification. No fee menu is regenerated here."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C005 / P1 C023","Replacement or clarified assertion":"HB 1265 itself carries forward § 81-22-13’s fixed amounts without adding an indexing mechanism. P2 does not establish the absence of every later amendment, rule, order, or bulletin. P1’s “no published adjustment notice located” remains bounded to P1’s earlier official-resource search.","Sources and pinpoints":"S_MS-P2-S005 lines 135–144; S_MS-P2-S002 HB 1265 summary. \nLegiScan\n+1","Conditions and confidence":"High as to HB 1265’s reproduced text; held as to exhaustive post-enactment negative search."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C006 / P1 C035","Replacement or clarified assertion":"Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, supplies complaint, rulemaking, licensee-examination, and nonlicensee-investigation powers; the $300–$600 and outside-record expense provisions are governmental examination costs, not consumer fees.","Sources and pinpoints":"S_MS-P2-S008, parsed lines 171–198. \nMississippi Secretary of State\n+1","Conditions and confidence":"High for the passage read. No exhaustive all-rules/current-adoption audit."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C007 / P1 C020","Replacement or clarified assertion":"The October 30, 2025 memo’s $475 debt-management renewal, $1 EOC, and $120 company processing amounts are dated 2026-cycle operational charges, not a 2027 schedule or consumer charges.","Sources and pinpoints":"S_MS-P2-S009, index 0 lines 5–14 and index 1 lines 33–57. \nMS Banking & Consumer Finance\n+1","Conditions and confidence":"High for that renewal cycle only."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_MS-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"P2 claim ID / old alias":"S_MS-P2-C008 / P1 C018/C019 source-use clarification","Replacement or clarified assertion":"DBCF’s current webpage demonstrates the public application route and listed minimum requirements; the February 9, 2026 list demonstrates historical remote-provider licensing. Neither establishes a named provider’s October 25, 2026 authorization.","Sources and pinpoints":"S_MS-P2-S010 lines 113–136; S_MS-P2-S011 all rows/footer. \nMS Banking & Consumer Finance\n+1","Conditions and confidence":"High as procedural/historical evidence; provider-specific status remains unresolved."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_MS-P2-S001 / 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":{"P2 source ID / old alias":"S_MS-P2-S001 / P1 S014","Authority and direct literal URL":"16 C.F.R. § 310.4, eCFR: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Exact use, access status, and limitation":"Freshly read October 25, 2026. Displayed Title 16 current through October 22, 2026. Credit-repair rule at lines 103–109; debt-relief trigger/allocation at lines 115–122. The eCFR is authoritative but unofficial. \neCFR\n+2"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S002 / 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":{"P2 source ID / old alias":"S_MS-P2-S002 / P1 S003","Authority and direct literal URL":"Mississippi DBCF, Legislative Updates: 2026 Regular Session: https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Exact use, access status, and limitation":"Freshly read and visually inspected. Three PDF pages; HB 1265 on page 1/index 0, lines 9–11. Official agency enactment summary, not complete bill text. Stale “2019” metadata/title string does not change the visible 2026 body. \nMS Banking & Consumer Finance\n+1"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S003 / 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/html/HB/1200-1299/HB1265SG.htm","https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml","https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf?utm_source=chatgpt.com","https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm?utm_source=chatgpt.com"],"researcher_record":{"P2 source ID / old alias":"S_MS-P2-S003 / P1 S002","Authority and direct literal URL":"Official SG PDF: https://billstatus.ls.state.ms.us/documents/2026/pdf/HB/1200-1299/HB1265SG.pdf\nOfficial SG HTML: https://billstatus.ls.state.ms.us/documents/2026/html/HB/1200-1299/HB1265SG.htm\nOfficial history XML: https://billstatus.ls.state.ms.us/2026/pdf/history/HB/HB1265.xml","Exact use, access status, and limitation":"Fresh official search rendering; direct fetch failed. Search exposed title, § 1 repeal, portions of § 81-22-13, and the effective clause. All three direct routes returned 502 on October 25, 2026. Not counted as a complete official-document read. \nBill Status\n+1"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S004 / new","urls":["https://www.legislature.ms.gov/media/1368/26-summary.pdf","https://www.legislature.ms.gov/media/1368/26-summary.pdf?utm_source=chatgpt.com"],"researcher_record":{"P2 source ID / old alias":"S_MS-P2-S004 / new","Authority and direct literal URL":"Mississippi Legislature, Summary of General Legislation, 2026: https://www.legislature.ms.gov/media/1368/26-summary.pdf","Exact use, access status, and limitation":"Official search-rendered only. Search result reports HB 1265 signed March 30, 2026, effective July 1, 2026, and repealing the sunset section. The relevant PDF page was not opened; used only as official-summary corroboration, not primary status proof. \nMississippi Legislature\n+1"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S005 / new","urls":["https://legiscan.com/MS/text/HB1265/id/3401614","https://legiscan.com/MS/text/HB1265/id/3401614?utm_source=chatgpt.com"],"researcher_record":{"P2 source ID / old alias":"S_MS-P2-S005 / new","Authority and direct literal URL":"LegiScan reproduction, HB 1265: https://legiscan.com/MS/text/HB1265/id/3401614","Exact use, access status, and limitation":"Freshly read in full. Lines 41–220 reproduce the Legislature’s SG text, including §§ 1, 3, 8, and 17. Nonofficial host; the host calls it “Enrolled,” while the reproduced heading says “As Sent to Governor.” Used for text comparison only. \nLegiScan"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S006 / 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":{"P2 source ID / old alias":"S_MS-P2-S006 / P1 S001","Authority and direct literal URL":"DBCF-hosted Act compilation: https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Exact use, access status, and limitation":"Relevant sections freshly reread and visually inspected. Thirteen pages; historical text and history through 2019; obsolete July 1, 2022 headings. Used as comparison text, not current-effect proof. \nMS Banking & Consumer Finance\n+3"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S007 / 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-81-22-13/","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-81-22-13/?utm_source=chatgpt.com"],"researcher_record":{"P2 source ID / old alias":"S_MS-P2-S007 / P1 S006","Authority and direct literal URL":"2025 secondary code mirror:\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-3/\nhttps://law.justia.com/codes/mississippi/title-81/chapter-22/section-81-22-13/","Exact use, access status, and limitation":"P1 reuse only; not freshly reread in P2. Retained as a secondary pre-HB-1265 reproduction. It is not used alone to establish present effectiveness."},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S008 / 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":{"P2 source ID / old alias":"S_MS-P2-S008 / P1 S010","Authority and direct literal URL":"Mississippi SOS, Title 5, Part 4 Organizational Rules: https://www.sos.ms.gov/adminsearch/ACCode/00000217c.pdf","Exact use, access status, and limitation":"Freshly read and visually inspected. Twenty pages; Rule 1.3(7)(a)–(d), printed pages 5–6/PDF indices 4–5, parsed lines 171–198. No exhaustive all-rule or adoption-history review. \nMississippi Secretary of State\n+2"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S009 / 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":{"P2 source ID / old alias":"S_MS-P2-S009 / P1 S009","Authority and direct literal URL":"DBCF 2026 renewal memo: https://dbcf.ms.gov/wp-content/uploads/2025/10/2026-MS-Renewal-Industry-Memo-October-30-2025.pdf","Exact use, access status, and limitation":"Freshly read and visually inspected. Four pages; header/date on index 0 and selected renewal/fee text on index 1. Applies to November–December 2025 renewals for the 2026 cycle. \nMS Banking & Consumer Finance\n+3"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S010 / P1 S007","urls":["https://dbcf.ms.gov/consumer-finance/","https://dbcf.ms.gov/consumer-finance/?utm_source=chatgpt.com"],"researcher_record":{"P2 source ID / old alias":"S_MS-P2-S010 / P1 S007","Authority and direct literal URL":"DBCF Consumer Finance page: https://dbcf.ms.gov/consumer-finance/","Exact use, access status, and limitation":"Freshly read. Complete debt-management application body at lines 113–136. Actual NMLS checklist and provider-specific results not read. \nMS Banking & Consumer Finance"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_MS-P2-S011 / 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":{"P2 source ID / old alias":"S_MS-P2-S011 / P1 S008","Authority and direct literal URL":"DBCF February 2026 licensee list: https://dbcf.ms.gov/wp-content/uploads/2026/02/Debt-Managment-Service-Provider-List-02102026.pdf","Exact use, access status, and limitation":"Freshly read and visually inspected. One page, 28 rows, footer dated February 9, 2026. Historical route evidence only. \nMS Banking & Consumer Finance\n+1"},"coordinator_verification_status":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Current effective status of Chapter 22 — replacement P1 coverage cell","researcher_record":{"Component":"Current effective status of Chapter 22 — replacement P1 coverage cell","P2 status":"Answered for continuation; partial for complete official version audit","Claims":"S_MS-P2-C003–C005","Exact remaining gap / next investigation":"Retrieve a usable official SG/approved/enrolled image and bill-history/status record; identify any session-law chapter number; compare §§ 1, 3, 8, and 17 against S_MS-P2-S005; inspect an authenticated current code; then conduct a bounded post-HB-1265 amendment check for §§ 81-22-3 and -13. Until then, do not downgrade the strong agency-supported continuation conclusion or elevate it to a complete codification audit."},"coordinator_acceptance":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"TSR credit-repair timing precision","researcher_record":{"Component":"TSR credit-repair timing precision","P2 status":"Corrected","Claims":"S_MS-P2-C001","Exact remaining gap / next investigation":"Apply only after actual telemarketing coverage and actual credit-improvement representations are established. CROA definitions, exclusions, full performance, and state overlap remain open."},"coordinator_acceptance":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"TSR debt-relief trigger precision","researcher_record":{"Component":"TSR debt-relief trigger precision","P2 status":"Corrected","Claims":"S_MS-P2-C002","Exact remaining gap / next investigation":"Actual call flow, exemptions, debt type, customer-executed agreement, first payment, and allocation method remain fact-dependent."},"coordinator_acceptance":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Administrative/procedure pinpoints","researcher_record":{"Component":"Administrative/procedure pinpoints","P2 status":"Corrected and bounded","Claims":"S_MS-P2-C006–C008","Exact remaining gap / next investigation":"No exhaustive rules/adoption-order search, 2027 renewal review, NMLS checklist review, or live provider-status lookup was performed."},"coordinator_acceptance":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"All other P1 gaps","researcher_record":{"Component":"All other P1 gaps","P2 status":"Unchanged and unresolved","Claims":"P1 claim and coverage IDs preserved","Exact remaining gap / next investigation":"“Regulated by FTC,” Mississippi settlement approval, whether a DMP concession is a settlement, one-debt/full-fee treatment, funds control and dedicated accounts, business purpose, original creditor/affiliate treatment, actual provider status, sales facts, CROA, general consumer/contract law, remedies, funds, bond, processor, collection, courts, secured/sector debts, local, and tribal issues remain required. No issue is cleared by implication."},"coordinator_acceptance":"bounded_patch_supported_official_currentness_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}