{"meta":{"key":"s_ms--pass-04","task":"S_MS","title":"SMS Mississippi debt-management provider and processor bond/security component","parent_title":"Mississippi debt and debt relief law","edition":"pass-04","path":"/research/s_ms--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":37,"sources":16,"review_status":"security_component_reviewed_with_currentness_form_beneficiary_and_application_holds","review_complete":true,"sha256":"9cbad0e91dedfc2062bb361b2d397ea23a847bd5cd68a4a4e6292f2f3b000fcc","headings":["Component conclusion","1.1 Who must furnish security","1.2 Amount, payee, and conditions","1.3 Issuer qualification","1.4 Authorized alternatives","1.5 Consumer disclosure of the bond","2.1 Functional processor boundary","2.2 Notice and calculation inputs","2.3 Processor bond formula","2.4 Substitute processor assets","2.5 Preconditions to use","2.6 Termination and the processor-security waiver","2.7 Missing processor-bond terms","3.1 Express consumer action is against the provider","3.2 How the provider judgment relates to the bond","3.3 General intended-beneficiary authority","3.4 State bond enforcement","3.5 Attorney fees and court costs","3.6 Provider liability versus bond capacity","3.7 DBCF complaint process is not the bond claim process","4.1 Electronic bond administration","4.2 No verified cancellation period or tail","4.3 Reduction and riders","4.4 Aggregate and multiple claims","4.5 Insolvency and surety solvency","5.1 What is publicly available","5.2 What was not recovered","5.3 Separate money-transmitter security","5.4 DBCF’s money-transmitter webpage is stale on the bond floor","Example 1 — single established provider judgment below the bond face amount","Example 2 — provider judgment exceeds the $50,000 face amount","Example 3 — two consumers and insufficient assumed aggregate capacity","Example 4 — provider certificate-of-deposit alternative","Example 5 — processor bond calculation","Example 6 — provider deposit causes processor-security waiver","Example 7 — provider and processor instruments cannot simply be stacked","Example 8 — separate conditional money-transmitter calculation","C.1 Provider security and consumer recovery","C.2 Processor security","C.3 Separate money-transmission gateway and public-evidence limits","Actually read in PASS-04","Fresh but incomplete or unsuccessful public routes","Preserved currentness limitation","Not read or established","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-04","facets":{"geography":["us","us-ms"],"debt_type":[],"stage":[],"subject":["counseling-dmp","provider-security","provider-remedies"]},"scope":"ExactreviewedP1excluded provider/processorbondsecurity/necessaryrecoverygap; P3fundsunreviewed, P2currentness/forprofit/federal/provider/broaderholdsretained.","pending_corrections":0},"markdown":"# S_MS PASS-04 — Mississippi debt-management provider and processor bond/security component\n\n**Fresh public-source access:** October 25, 2026, Pacific / October 26, 2026, UTC.\n**Relationship to prior work:** focused continuation of S_MS PASS-01 and PASS-02. The saved PASS-03 funds report was unreviewed and was not treated as accepted authority; every security provision materially used below was freshly checked against its public source. This is **not an independent review**.\n\n**Scope:** Chapter 22 provider security, third-party-payment-processor security, necessary consumer and state recovery routes, present public bond administration materials, and only the necessary separate money-transmission-security gateway. It does not reopen fees, account custody, agreements generally, FTC-regulated meaning, provider classification, or the other preserved Mississippi gaps.\n\n## Component conclusion\n\nMississippi’s verified debt-management security architecture has five distinct parts:\n\n1. **Every covered license applicant must provide $50,000 of provider-level security.** The statute describes a $50,000 bond payable to Mississippi, securing the licensee’s faithful performance and prompt payment of qualifying judgments arising from Chapter 22 violations. Cash, a certificate of deposit, or government bonds in the same $50,000 amount may replace the bond on the same statutory terms. Interest or earnings on a substitute deposit belong to the depositor. The verified statute contains no per-office, transaction-volume, or consumer-balance multiplier. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n2. **A third-party payment processor ordinarily files separate security.** Its bond is $50,000 for its first licensee-client, another $50,000 for each additional licensee-client, and no more than $150,000. That formula depends on the number of licensees, not the highest daily amount of consumer funds. The statute permits substitute assets but does not itself state their required amount, beneficiary, claim procedure, or return conditions. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n3. **There is one unusual processor-security waiver.** When the debt-management licensee uses its own $50,000 cash, certificate-of-deposit, or government-bond alternative instead of a provider surety bond, the processor need not furnish a separate Chapter 22 bond or substitute assets. The statute does not say that this makes the licensee’s deposit a direct processor bond, nor does it establish that every processor-caused loss is covered. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf)\n4. **Consumer recovery and bond recovery are related but not identical.** An aggrieved consumer has an express civil action against the debt-management provider for court-determined actual damages, costs, and reasonable attorney fees. Separately, the provider bond expressly secures prompt payment of judgments arising from Chapter 22 violations. The state also has an express bond-enforcement route for civil penalties, criminal fines, and investigation or prosecution costs. Chapter 22 does not expressly say that a consumer may sue the surety directly before or without obtaining a provider judgment. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n5. **Current public administration is through NMLS electronic surety bonds, but the operative form is not publicly exposed through the retrieved materials.** DBCF requires debt-management providers to use NMLS electronic bonds; its instructions say the current form is perpetual, contains a cancellation clause, and is managed through NMLS. The actual Mississippi form, cancellation period, accrued-liability tail, proof-of-loss requirements, aggregate treatment, claim deadline, and release language were not recovered. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf)\n\nA bond requirement is not a payout guarantee. No actual issued bond, available penal sum, provider liability, processor liability, claim timeliness, surety defense, or present provider status is established here.\n\n# A. Provider, processor, claimant, and remedy matrix\n\n| Security or recovery route | Who/what triggers it | Verified amount or base | Verified beneficiary/condition | Verified recovery route | Material unresolved points |\n| --- | --- | --- | --- | --- | --- |\n| **Chapter 22 provider bond** | Applicant seeking a debt-management-provider license | **$50,000 fixed penal sum** | Payable to Mississippi; backs faithful performance of licensed duties and prompt payment of judgments arising from Chapter 22 violations | State may enforce for specified public liabilities; consumer judgment may implicate the judgment-payment condition | Current rendered form, consumer direct-action procedure, cancellation notice, tail, proof of loss, priority, replenishment, annual reset, and claim deadline |\n| **Provider cash/CD/government-bond alternative** | Applicant elects substitute security instead of provider bond | **$50,000** | Filed with commissioner on the same statutory terms and conditions as the provider bond; earnings belong to depositor | The statute does not give a separate liquidation or consumer-application procedure | Custodian, account title, release, valuation, maturity, substitution, priority, and distribution mechanics |\n| **Chapter 22 processor bond** | Entity meeting the functional processor definition and serving a licensee | **$50,000 × number of licensee-clients, capped at $150,000** | Issued by a bonding or insurance company authorized in Mississippi | No claimant or direct-suit provision appears in § 81-22-28 | Payee, beneficiary, covered conduct, claimants, direct action, cancellation, aggregate, replacement, claim deadline, and whether current filing is electronic |\n| **Processor substitute assets** | Processor elects assets instead of its bond | Statute gives examples—cash, CD, government bonds—but does **not expressly state the required substitute amount** | Filed with DBCF; pre-use confirmation required | No separate claim procedure stated | Exact amount, valuation, title, earnings, release, beneficiary, and loss-application rules |\n| **Processor-security waiver** | Licensee itself uses provider-level cash/CD/government-bond deposit and also uses a processor | No separate processor bond or processor deposit required by § 81-22-28(7) | Provider deposit remains subject to § 81-22-7 terms | No additional processor-security claim route is created | Whether and when provider security responds to processor acts; direct processor liability remains open |\n| **Consumer Chapter 22 action** | Consumer is aggrieved by a violation or specified practice causing actual damage | Actual damages determined by court, plus costs and reasonable attorney fees | Judgment runs against the **provider** | Civil action under § 81-22-23(2)(d) | Forum, limitations, arbitration, proof, defenses, collectability, and exact bond treatment of costs/fees |\n| **State Chapter 22 bond enforcement** | Civil penalties, criminal fines, or investigation/prosecution costs | Underlying public liability, subject to available bond coverage | State’s own rights under the provider bond | Expressly authorized by § 81-22-23(2)(c) | Priority against consumer claims, notice to surety, administrative prerequisites, allocation, and exhaustion |\n| **DBCF complaint process** | Consumer submits complaint and supporting records | No adjudicated damages or automatic bond amount | Regulatory complaint/mediation channel | DBCF obtains company response and attempts resolution | Not a court, not a Chapter 22 judgment, and not an identified surety-claim procedure |\n| **Separate money-transmitter security** | Entity independently conducts covered money transmission and lacks an exemption or valid delegate structure | Greater of $100,000 or 100% of average daily Mississippi transmission liability over the last completed three months, ordinarily capped at $500,000; commissioner may increase to $1 million | Runs to state for DBCF and claimants against licensee or agents for transmission obligations | Claimants may sue directly; Attorney General may sue in one or successive actions | Whether the entity/activity is covered; exemptions; actual average liability; direct overlap with a Chapter 22 loss; multiple-bond allocation |\n\nThe first eight rows arise from Chapter 22 and its administrative materials. The final row is a separate Title 75 gateway and cannot be assumed merely because an entity handles payments. [LegiScan+3](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n# 1. Provider bond and substitute-security requirements\n\n## 1.1 Who must furnish security\n\nSection 81-22-7 applies to an **applicant seeking eligibility for a debt-management-provider license**. The verified text sets one fixed $50,000 provider-security requirement. It does not state that the amount varies by:\n\n- Number of consumers.\n- Enrolled debt.\n- Consumer funds held.\n- Annual transaction volume.\n- Number of settlements.\n- Number of physical offices.\n- Number of processor relationships. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThe current NMLS adoption table lists Mississippi Debt Management as a **company license type** and states that branch bonds are not accepted. DBCF’s generic ESB conversion instructions say the company bond should account for the initial requirement and branches, but Chapter 22 itself supplies no branch increment for debt-management providers. The evidence therefore supports a company-level $50,000 requirement rather than a separate $50,000 bond for each office. It does not answer whether separately incorporated entities in one corporate group each require their own license and security. [NMLS Resource Center+1](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf)\n\n## 1.2 Amount, payee, and conditions\n\nThe provider bond’s verified statutory characteristics are:\n\n- **Penal sum:** $50,000.\n- **Payee:** State of Mississippi.\n- **Performance condition:** faithful performance of the licensee’s duties and obligations under the licensed business.\n- **Judgment condition:** prompt payment of judgments recovered against the licensee on claims arising from Chapter 22 violations. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n“Penal sum” establishes the statutory face amount. It does not, without the rendered form and claim history, establish:\n\n- A separate $50,000 limit per consumer.\n- A fresh $50,000 limit every calendar year.\n- Automatic replenishment after a payment.\n- Separate limits for faithful-performance and judgment-payment claims.\n- A $50,000 minimum payment to any claimant.\n- Coverage of losses occurring after cancellation.\n- Coverage of every contract dispute involving the provider.\n\n## 1.3 Issuer qualification\n\nSection 81-22-7 says the applicant must furnish a bond with adequate security but does not, in the verified clause, expressly say that the provider bond must be issued by a bonding or insurance company authorized in Mississippi. Current electronic administration requires a surety producer, identifies the surety’s NAIC number, and manages the instrument through NMLS, but the actual rendered bond form was not recovered. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf)\n\nThat differs from the processor provision, which expressly requires a bonding or insurance company authorized to do business in Mississippi.\n\n## 1.4 Authorized alternatives\n\nInstead of a provider surety bond, the applicant may file exactly one of these verified substitutes:\n\n- $50,000 cash.\n- A $50,000 certificate of deposit.\n- $50,000 in government bonds.\n\nThe substitute is filed with the commissioner and is subject to the same statutory terms and conditions as the bond. Interest or earnings remain payable to the depositor. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nNo Chapter 22 provider authority was found for substituting:\n\n- A letter of credit.\n- Fidelity insurance.\n- Errors-and-omissions insurance.\n- A parent guaranty.\n- Self-insurance.\n- A consumer escrow balance.\n- A processor bond.\n- A federal dedicated account.\n- A general trust account.\n\nA provider’s operating capital, consumer principal, licensing fees, government charges, and bond capacity are separate categories.\n\n## 1.5 Consumer disclosure of the bond\n\nA consumer agreement must disclose that the § 81-22-7 bond exists and provide DBCF complaint contact information. That requirement makes the bond a consumer-facing statutory safeguard, but it does not itself establish the mechanics for submitting a claim to the surety. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf)\n\n# 2. Third-party-payment-processor security\n\n## 2.1 Functional processor boundary\n\nThe statutory processor definition is functional. It reaches an entity that, under contract with a licensee:\n\n- Holds consumer money.\n- Has access to it.\n- Can cause possession of it.\n- Distributes it.\n- Participates in the chain by which it reaches creditors.\n\nAn entity whose role is strictly limited to electronic routing and settlement, together with its sponsoring bank, is excluded from that processor definition. A processor, bank-contractor, independent-administrator, or dedicated-account label does not establish whether the functional test is met. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThe bond duty therefore cannot be decided from marketing labels alone. The actual processor contract, account permissions, ACH authority, affiliate relationships, transfer instructions, possession rights, and distribution role are necessary.\n\n## 2.2 Notice and calculation inputs\n\nTen days before using a processor, the licensee must notify DBCF and supply:\n\n- Processor name and address.\n- Description of services.\n- Processor contract.\n- Highest daily amount of consumer funds expected to be held or transmitted.\n\nOn request, the processor must report the prior month’s highest daily amount held or transmitted. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThe highest-daily-funds figure is a reporting input. The statute does **not** use it to calculate the processor bond.\n\n## 2.3 Processor bond formula\n\nFor nnn licensees served by one processor:\n\nRequired processor bond=min⁡($50,000×n, $150,000)\\text{Required processor bond}\n=\n\\min(\\$50{,}000 \\times n,\\ \\$150{,}000)Required processor bond=min($50,000×n, $150,000)Thus:\n\n| Licensees contracted with | Statutory processor bond |\n| --- | --- |\n| 1 | $50,000 |\n| 2 | $100,000 |\n| 3 | $150,000 |\n| 4 or more | $150,000 |\n\nThe bond must be issued by a bonding or insurance company authorized to do business in Mississippi. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n## 2.4 Substitute processor assets\n\nThe processor may file other assets in lieu of its bond; the statute gives cash, a certificate of deposit, and government bonds as examples. It does **not expressly state**:\n\n- Whether the substitute must equal the calculated bond amount.\n- Whether “other assets” extends beyond the listed examples.\n- The required title or custodian.\n- Whether interest belongs to the processor.\n- Valuation or haircut rules.\n- Maturity requirements.\n- Beneficiary or claim procedure.\n- Release or replacement conditions. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n“In lieu of” suggests a replacement for the security obligation, but exact amount and terms should not be supplied by assumption without the processor form or a DBCF interpretation.\n\n## 2.5 Preconditions to use\n\nThe provider may not use the processor until it has received written DBCF confirmation that DBCF received the processor bond or substitute assets. Before providing services, the processor must also authorize DBCF to examine relevant money-handling records and receive written confirmation that its authorization is sufficient. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThese are pre-use procedural conditions. A confirmation of receipt does not establish:\n\n- That the processor is licensed under another statute.\n- That its architecture is otherwise lawful.\n- That any consumer is a bond beneficiary.\n- That an actual claim is covered.\n- That funds held exceed or remain below bond capacity.\n\n## 2.6 Termination and the processor-security waiver\n\nEvery provider-processor agreement must require thirty days’ written notice to the party being terminated, and the provider must immediately notify DBCF when such notice is given. That is a **contract-termination rule**, not an identified bond-cancellation clause or consumer claim-tail rule. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf)\n\nA separate processor bond or deposit is not required when the provider itself elected the § 81-22-7 cash, certificate-of-deposit, or government-bond substitute. This waiver does not apply merely because the provider has an ordinary $50,000 surety bond. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf)\n\n## 2.7 Missing processor-bond terms\n\nSection 81-22-28 does not identify:\n\n- The bond payee.\n- The beneficiary.\n- Covered processor acts.\n- A consumer direct-action right.\n- A provider direct-action right.\n- DBCF’s enforcement authority against that bond.\n- Proof-of-loss requirements.\n- Cancellation period.\n- Tail or accrued-liability treatment.\n- Multiple-claim priority.\n- Replenishment.\n- Per-consumer or annual aggregate.\n- Claim deadline.\n\nNo current public Mississippi processor-bond form or formal DBCF interpretation filling those gaps was recovered. Those questions remain held rather than inferred from the provider bond or the money-transmitter bond.\n\n# 3. Consumer, state, provider, and surety recovery routes\n\n## 3.1 Express consumer action is against the provider\n\nSection 81-22-23 expressly gives an aggrieved consumer a civil action against the debt-management provider for:\n\n- Actual damages determined by the court.\n- Costs of the action.\n- Reasonable attorney fees. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThis is provider liability, not an automatic surety award. The consumer must still establish the relevant violation or unfair, unconscionable, or deceptive practice and the required actual damage.\n\n## 3.2 How the provider judgment relates to the bond\n\nSection 81-22-7 separately conditions the provider bond on prompt payment of judgments against the licensee arising from Chapter 22 violations. The cleanest verified sequence is therefore:\n\n1. Establish a Chapter 22 violation and recover a judgment against the provider.\n2. Determine whether that judgment falls within the bond’s statutory and form terms.\n3. Determine available bond capacity, claim procedure, timeliness, and surety defenses.\n4. Credit any surety payment against the provider judgment once. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThat is not necessarily the exclusive possible sequence. The bond also has a faithful-performance condition, and Mississippi’s general bond statute can allow security to benefit persons for whom the law designed it. But no Chapter 22 case or public bond form was located establishing that a consumer may sue or join the surety before obtaining a provider judgment.\n\n## 3.3 General intended-beneficiary authority\n\nMississippi Code § 11-1-25 states, in substance, that a bond for faithful discharge of a duty benefits the person whom the law designed it to protect regardless of the bond’s nominal payee or imperfect wording. The publicly accessible current reproduction is secondary rather than an authenticated official code page. [Justia Law](https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/)\n\nIn *Moore v. Bank of Indianola*, the Mississippi Supreme Court applied the predecessor of that rule to a different statutory/public-duty bond. It held that making the bond payable to a state banking department did not defeat protection of the persons for whose benefit the regulated liquidation was administered. The case supports the proposition that the named state payee is not always dispositive. It does **not** decide Chapter 22 standing, prerequisites, limitation periods, or the present NMLS bond form. [Justia Law](https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html)\n\nThe resulting bounded conclusion is:\n\n- A consumer-beneficiary theory is materially supported.\n- A Chapter 22-specific direct action against the surety is **not established** by the sources read.\n- The actual form, claim facts, and procedural law remain necessary.\n\n## 3.4 State bond enforcement\n\nThe state may enforce its rights under the provider bond to collect:\n\n- Civil penalties.\n- Criminal fines.\n- Investigation costs.\n- Prosecution costs. [LegiScan+1](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThe civil penalty is capped at $500 per violation and is deposited in the Consumer Finance Fund. It is a public penalty, not consumer compensation. Nothing read establishes that the commissioner may convert such a recovery into restitution or that state claims rank ahead of or behind consumer judgment claims. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n## 3.5 Attorney fees and court costs\n\nA consumer’s § 81-22-23 judgment can include costs and reasonable attorney fees as provider liabilities. Section 81-22-7 broadly refers to judgments arising from Chapter 22 violations, which may support inclusion, but neither the current rendered bond form nor a controlling Chapter 22 decision was located resolving whether those litigation components consume bond capacity. They remain held.\n\nA court’s authority to award costs and fees against the provider is not itself a surety claim-filing procedure.\n\n## 3.6 Provider liability versus bond capacity\n\nA statutory bond limits the surety’s exposure; it does not ordinarily erase the principal’s larger liability. In *Seaboard Planning Corp. v. Powell*, construing a different Mississippi statutory bond, the Mississippi Supreme Court held that the surety’s liability was limited to its bond amount while the other defendants’ liability was not, and required the surety’s payment to be credited against the principal judgment. [Justia Law+1](https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html)\n\nApplied only as an analogy here:\n\n- A provider can owe more than $50,000.\n- A surety payment does not create double recovery.\n- The exact Chapter 22 aggregate and form terms still control the bond.\n\n## 3.7 DBCF complaint process is not the bond claim process\n\nDBCF’s public complaint process asks consumers to document dates, amounts, contracts, statements, receipts, and the requested remedy. DBCF sends the complaint to the company, gives it thirty days to respond, reviews the matter, and attempts mediation. DBCF expressly says it is not acting as a court or the consumer’s lawyer and that legal action may be necessary. [MS Banking & Consumer Finance](https://dbcf.ms.gov/complaint-form/)\n\nAccordingly:\n\n- A DBCF complaint may support regulatory investigation.\n- It may help establish facts or prompt voluntary payment.\n- It is not a judgment.\n- It is not the publicly identified Chapter 22 surety proof-of-loss process.\n- Filing it does not itself toll an unidentified limitation period or reserve bond capacity.\n\nNo separate DBCF consumer bond-claim form was located.\n\n# 4. Continuity, cancellation, reduction, replacement, and multiple claims\n\n## 4.1 Electronic bond administration\n\nDBCF ordered debt-management providers to transition from paper bonds to NMLS electronic surety bonds beginning November 1, 2024. The order concerns statutorily bonded consumer-finance licensees and specifically lists debt-management providers. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf)\n\nDBCF’s conversion instructions say the current electronic form:\n\n- Includes the licensee’s NMLS ID.\n- Includes the surety’s NAIC number.\n- Does not require notarization.\n- Is not mailed in hard copy.\n- Contains a cancellation clause.\n- Is perpetual.\n- Is changed through NMLS.\n- Must reflect the current obligation, including riders since original issuance. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf)\n\nThe annual debt-management license period remains January 1 through December 31. A perpetual bond instrument and an annual license period are not interchangeable concepts: the license must be renewed annually, while the bond continues until changed or canceled under its form. [MS Banking & Consumer Finance](https://dbcf.ms.gov/consumer-finance/)\n\n## 4.2 No verified cancellation period or tail\n\nThe public conversion instructions disclose that a cancellation clause exists but do not reproduce it. The following were not established:\n\n- Number of days’ cancellation notice.\n- Notice recipients.\n- Effective date calculation.\n- Whether cancellation affects earlier conduct.\n- Whether accrued claims survive.\n- When replacement security must become effective.\n- Whether license suspension or automatic expiration follows.\n- When substitute deposits may be returned.\n- Whether the bond responds on an occurrence, claim-made, judgment, or hybrid basis.\n- A post-cancellation claim deadline.\n\nA sixty-day cancellation rule exists in Mississippi’s separate money-transmitter statute, but it cannot be imported into Chapter 22 without the Chapter 22 bond form or other authority. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf)\n\n## 4.3 Reduction and riders\n\nNMLS supports bond increases, riders, status tracking, and cancellations as system functions. DBCF requires the electronic amount to reflect the current obligation inclusive of all riders. Those operational facts do not establish Mississippi’s substantive conditions for reducing a debt-management bond or releasing accrued liability. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html)\n\nNo public Chapter 22 authority was located specifying:\n\n- When DBCF may approve a reduction below $50,000.\n- Whether reduction below $50,000 is ever lawful while licensed.\n- Whether payment of a claim requires replenishment.\n- Whether a surety may issue a rider limiting prior exposure.\n- Whether a replacement bond must preserve the original effective date.\n\nThe statutory minimum remains $50,000 while the applicant/licensee relies on a provider bond.\n\n## 4.4 Aggregate and multiple claims\n\nThe statute uses a $50,000 penal sum, but the actual electronic form was not read. The record therefore does not establish:\n\n- Annual versus continuous aggregate.\n- Per-occurrence limits.\n- Per-consumer limits.\n- Reinstatement after payment.\n- First-to-file, first-to-judgment, pro-rata, or equitable allocation.\n- Priority between state and consumer claims.\n- Interpleader procedure.\n- Whether separate license years create separate available limits.\n- Whether a replacement surety shares or succeeds prior exposure.\n\n*Seaboard* supports the general proposition that a surety’s liability can be capped at the statutory bond amount while the principal remains liable for the rest. It does not answer how competing Chapter 22 claimants divide the $50,000. [Justia Law](https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html)\n\n## 4.5 Insolvency and surety solvency\n\nChapter 22 insolvency can support licensing action, but no bond-distribution waterfall was identified in the bond and enforcement clauses read. This pass does not establish:\n\n- Priority over provider creditors.\n- Treatment in bankruptcy.\n- Surety-association protection.\n- Subrogation.\n- Receiver authority.\n- Deposit release or liquidation.\n- Claims administration.\n- Treatment of contingent or unliquidated consumer claims.\n\nThose remain for later insolvency, remedies, and bond-claim work.\n\n# 5. Public forms, instructions, decisions, and the separate money-transmitter gateway\n\n## 5.1 What is publicly available\n\nThe currently retrieved public record contains:\n\n- The Chapter 22 statutory bond and enforcement wording.\n- DBCF’s current minimum-requirement page.\n- The 2024 electronic-bond conversion order.\n- The DBCF electronic-bond conversion instructions.\n- The NMLS adoption table.\n- Generic NMLS information explaining that regulators create state bond forms and NMLS renders them.\n- The DBCF consumer complaint process. [MS Banking & Consumer Finance+3](https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf)\n\n## 5.2 What was not recovered\n\nThe following were not publicly retrieved through the normal routes searched:\n\n- Rendered Mississippi Debt Management electronic bond form.\n- Current Mississippi Debt Management NMLS checklist.\n- Processor bond form.\n- Provider substitute-deposit form.\n- Processor substitute-asset form.\n- Consumer bond-claim form.\n- Surety proof-of-loss instructions.\n- Public bond-claim register.\n- DBCF confirmation template for processor security.\n- Published DBCF declaratory ruling on consumer standing.\n- Reported Chapter 22 bond-merits decision.\n\nThe NMLS checklist compiler opened but did not return a readable Mississippi debt-management checklist through this research interface. NMLS explains that the regulator-created form is rendered inside NMLS, which is consistent with why the form may not appear as an ordinary public PDF. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx)\n\nNo vendor form or commercial surety description was treated as controlling authority.\n\n## 5.3 Separate money-transmitter security\n\nA processor or account administrator may separately fall under Mississippi’s Money Transmission Modernization Act, but only after the actual legal entity, activity, consumer location, agency relationship, and exemptions are analyzed.\n\nFor a covered money-transmitter licensee, current-readable § 75-16-63 requires security equal to:\n\nmax⁡($100,000, 100% of average daily Mississippi transmission liability)\\max(\\$100{,}000,\\ 100\\% \\text{ of average daily Mississippi transmission liability})max($100,000, 100% of average daily Mississippi transmission liability)using the most recently completed three-month period, ordinarily capped at $500,000. The commissioner may increase the security for impaired financial condition or public protection, up to $1,000,000. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf)\n\nUnlike Chapter 22’s processor provision, the money-transmitter statute expressly states that:\n\n- The bond benefits DBCF and claimants against the licensee or its agents.\n- Claimants may sue directly.\n- The Attorney General may sue for claimants.\n- One action or successive actions are permitted. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf)\n\nFor that separate regime, final revocation cancels bonds or deposits prospectively without relieving accrued liabilities, and a surety cancellation can produce automatic license revocation after a sixty-day notice period. Substitute deposits are retained until specified accrued liabilities are satisfied. Those provisions belong to Title 75-16; they are not Chapter 22 processor or provider rules. [MS Banking & Consumer Finance+2](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf)\n\n## 5.4 DBCF’s money-transmitter webpage is stale on the bond floor\n\nDBCF’s general Consumer Finance page still displays the former $25,000 minimum money-transmitter bond amount. On the same page, DBCF links HB 1428 as the Money Transmission Modernization Act effective July 1, 2025. The enacted act and 2025 code reproduction instead use the $100,000 floor. The older webpage figure should not be used for the current money-transmitter-security calculation. [MS Banking & Consumer Finance+2](https://dbcf.ms.gov/consumer-finance/)\n\nThis discrepancy does not affect the Chapter 22 provider’s fixed $50,000 security.\n\n# 6. Bounded security and recovery examples\n\nEach example uses dollars, rounds to the nearest cent, and assumes no interest, defense costs, penalties, unrecorded prior claims, pending payments, or recoveries unless expressly stated. Numerical capacity is not legal permission, claim acceptance, or a payout guarantee.\n\n## Example 1 — single established provider judgment below the bond face amount\n\n**Assumptions**\n\n- Valid Chapter 22 provider bond.\n- Bond face amount: $50,000.\n- Consumer has a final, unsatisfied $18,000 judgment against the provider arising from a covered Chapter 22 violation.\n- No prior bond payments or pending competing claims.\n- Claim is timely and the form covers the judgment.\n- No surety defense applies.\n\n**Calculation**\n\nPlain text\n```\nCovered judgment:                            $18,000.00\nAvailable assumed penal sum:                  50,000.00\n\nNumerical bond comparison:\nmin($18,000.00, $50,000.00) =                $18,000.00\n```\n\n**Bounded result:** $18,000 is within the assumed available face amount. It is not a finding that the consumer may bypass the provider, that the claim is timely, or that the surety must pay without following the actual form and procedure.\n\n## Example 2 — provider judgment exceeds the $50,000 face amount\n\n**Assumptions**\n\nSame as Example 1, except the covered provider judgment is $70,000.\n\nPlain text\n```\nProvider judgment:                           $70,000.00\nAssumed available bond capacity:              50,000.00\nPotential amount above bond face amount:      20,000.00\n```\n\nmin⁡($70,000, $50,000)=$50,000\\min(\\$70{,}000,\\ \\$50{,}000)=\\$50{,}000min($70,000, $50,000)=$50,000**Bounded result:** the numerical surety ceiling is $50,000 under the assumption of unused aggregate capacity. The remaining $20,000 is not forgiven; it remains provider liability unless another legal rule changes the result. *Seaboard* supports separating surety capacity from the principal’s larger liability. [Justia Law](https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html)\n\n## Example 3 — two consumers and insufficient assumed aggregate capacity\n\n**Assumptions**\n\n- One provider bond with $50,000 available aggregate capacity.\n- Consumer A has a covered $35,000 judgment.\n- Consumer B has a covered $30,000 judgment.\n- Both claims relate to the same still-available bond period.\n- No prior bond payment.\n\nPlain text\n```\nConsumer A judgment:                          $35,000.00\nConsumer B judgment:                           30,000.00\n                                               ---------\nTotal judgments:                              $65,000.00\n\nAssumed bond capacity:                         50,000.00\nNumerical shortfall:                           15,000.00\n```\n\n**Bounded result:** claims exceed the assumed capacity by $15,000. No payout allocation is supplied because the verified materials do not establish first-to-file, first-to-judgment, pro-rata allocation, state priority, interpleader, or annual reinstatement.\n\nA simple proportional illustration would be mathematically possible but legally unsupported and therefore is not presented as a distribution result.\n\n## Example 4 — provider certificate-of-deposit alternative\n\n**Assumptions**\n\n- Provider filed a valid $50,000 CD with the commissioner in place of a surety bond.\n- The deposit remains available.\n- Consumer has a covered $12,000 judgment.\n- No prior claims or competing state liabilities.\n- The same statutory terms apply.\n\nPlain text\n```\nCovered judgment:                            $12,000.00\nAvailable assumed deposit:                    50,000.00\n\nNumerical comparison:\nmin($12,000.00, $50,000.00) =                $12,000.00\n```\n\n**Bounded result:** $12,000 is numerically within the deposit. Interest or earnings remain payable to the depositor under § 81-22-7. The statute does not supply the consumer’s direct application, liquidation, release, or payment procedure. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\n## Example 5 — processor bond calculation\n\n**Inputs**\n\nA processor contracts with four debt-management licensees.\n\n$50,000×4=$200,000\\$50{,}000 \\times 4=\\$200{,}000$50,000×4=$200,000Apply the statutory cap:\n\nmin⁡($200,000, $150,000)=$150,000\\min(\\$200{,}000,\\ \\$150{,}000)=\\$150{,}000min($200,000, $150,000)=$150,000Plain text\n```\nUncapped amount:                             $200,000.00\nStatutory processor cap:                      150,000.00\nRequired processor bond:                     $150,000.00\n```\n\nSuppose the prior month’s highest daily consumer-funds amount was $900,000. That amount must be reportable if DBCF requests it, but it does not increase the Chapter 22 processor formula beyond $150,000. [LegiScan](https://legiscan.com/MS/text/HB1265/id/3401614)\n\nThis example computes required security only. It establishes no consumer claimant right or payout.\n\n## Example 6 — provider deposit causes processor-security waiver\n\n**Assumptions**\n\n- Provider files $50,000 cash under § 81-22-7 instead of a surety bond.\n- Provider uses one processor.\n- Section 81-22-28(7) applies exactly as written.\n\nPlain text\n```\nProvider cash security:                       $50,000.00\nSeparate processor security required\nunder § 81-22-28(7):                                0.00\n                                               ---------\nExpress Chapter 22 security on deposit:        $50,000.00\n```\n\n**Bounded result:** Chapter 22 does not require another $50,000 from the processor in this scenario. It does not follow that the provider deposit directly covers every processor act or that a consumer has $50,000 of processor-specific recovery.\n\n## Example 7 — provider and processor instruments cannot simply be stacked\n\n**Assumptions**\n\n- Provider uses a $50,000 surety bond.\n- Processor serves two licensees and therefore has a $100,000 processor bond.\n- One consumer alleges a $90,000 loss.\n\nPlain text\n```\nProvider bond face amount:                    $50,000.00\nProcessor bond face amount:                   100,000.00\nNominal combined instruments:                 150,000.00\nConsumer alleged loss:                         90,000.00\n```\n\n**Incorrect inference:** “The consumer automatically has $150,000 available.”\n\n**Required proof before any combination:**\n\n- Covered provider violation.\n- Covered processor conduct.\n- Consumer beneficiary status under the processor bond.\n- Direct-action rights.\n- Actual available capacity on each instrument.\n- No exclusion or surety defense.\n- No double recovery.\n\nAny payment for the same loss must be credited once. The nominal sum of two instruments is not the consumer’s recovery limit. [Justia Law](https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html)\n\n## Example 8 — separate conditional money-transmitter calculation\n\n**Assumptions**\n\n- Processor is independently a covered Mississippi money-transmitter licensee.\n- No exemption applies.\n- Most recently completed three-month average daily Mississippi transmission liability: $240,000.\n- Commissioner has not ordered an increase.\n- No separate transition issue.\n\nmax⁡($100,000, $240,000)=$240,000\\max(\\$100{,}000,\\ \\$240{,}000)=\\$240{,}000max($100,000, $240,000)=$240,000The $500,000 ordinary cap does not reduce that result.\n\nPlain text\n```\nStatutory floor:                              $100,000.00\nAverage daily liability:                       240,000.00\nCurrent formula result:                       $240,000.00\n```\n\n**Bounded result:** $240,000 of Title 75-16 security. This is not a finding that the processor is a money transmitter, that a particular loss is covered, or that this amount stacks with the Chapter 22 provider or processor bond. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf)\n\n# B. PASS-04 source register\n\n| Source ID | Title, issuer, and full literal URL | Exact passage, page/index, version, and legal status | Access classification and limitations |\n| --- | --- | --- | --- |\n| **S_MS-P4-S001** | *Legislative Updates: 2026 Regular Session*, Mississippi DBCF. https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf | Three PDF pages. HB 1265 entry on PDF page 1, zero-based index 0, parsed lines 9–11: repeal date removed; effective July 1, 2026. | **Freshly opened/read.** Official agency enactment summary; not complete enacted wording, signed act, or current-code compilation. [MS Banking & Consumer Finance](https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf) |\n| **S_MS-P4-S002** | HB 1265 legislative-text reproduction, LegiScan. https://legiscan.com/MS/text/HB1265/id/3401614 | Document body identifies Mississippi Legislature, 2026 Regular Session, HB 1265, “As Sent to Governor.” § 81-22-7 at line 105; § 81-22-11(c) at the carried-forward § 11; § 81-22-23 at lines 184–192; § 81-22-28 at lines 211–218; effective clause at line 220. | **Freshly read relevant complete sections.** Nonofficial host; host “Passed/Enrolled” label and date were not used as enactment authority. Text comparison source only, paired with S001 and S003. [LegiScan+2](https://legiscan.com/MS/text/HB1265/id/3401614) |\n| **S_MS-P4-S003** | *Mississippi Debt Management Services Act*, DBCF-hosted compilation. https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf | Thirteen PDF pages. § 81-22-7 on printed page 5/PDF index 4, parsed lines 130–140; § 81-22-11(c) on printed page 6/index 5; § 81-22-23 on printed pages 10–11/indices 9–10, lines 319–346; § 81-22-28 on printed pages 12–13/indices 11–12. | **Relevant complete clauses freshly read and page images inspected.** Agency-hosted primary-text compilation, but historical: histories through 2019 and obsolete 2022 sunset headings. Not used alone for 2026 effect. [MS Banking & Consumer Finance+4](https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf) |\n| **S_MS-P4-S004** | DBCF Consumer Finance page. https://dbcf.ms.gov/consumer-finance/ | Debt-management body at lines 113–136: NMLS route, annual license period, $50,000 provider security alternatives, and application materials. Industry-resource links at lines 260–335. | **Freshly read.** Current operational page, not an issued license or bond form. Its money-transmitter minimum-requirement paragraph is stale relative to HB 1428. [MS Banking & Consumer Finance+1](https://dbcf.ms.gov/consumer-finance/) |\n| **S_MS-P4-S005** | *Order of the Commissioner Requiring Conversion to Electronic Surety Bonds*, DBCF, July 29, 2024. https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf | Two PDF pages. Authority and NMLS system on printed page 1/index 0; debt-management-provider conversion schedule and order on printed page 2/index 1, parsed lines 29–56. | **Freshly read and both pages visually inspected.** Establishes electronic filing transition, not bond coverage or claim terms. [MS Banking & Consumer Finance+2](https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf) |\n| **S_MS-P4-S006** | *Electronic Surety Bond Conversion Plan*, DBCF. https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf | Two PDF pages. Printed page 1/index 0, lines 3–27: covered license types, NMLS/NAIC fields, branches, cancellation clause, perpetual form, NMLS changes, current amount/riders. Printed page 2/index 1, lines 28–39: MU2 attestation and training resources. | **Freshly read and both pages visually inspected.** Generic across four license types; does not expose the Mississippi debt-management form or its cancellation wording. [MS Banking & Consumer Finance+2](https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf) |\n| **S_MS-P4-S007** | *NMLS ESB Adoption Table*, NMLS/CSBS. https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf | Fifteen PDF pages, updated July 29, 2025. Mississippi row on PDF page 8/index 7, parsed lines 164–190; table header states branch bonds are not accepted and lists Debt Management License as a company license type. | **Freshly read and relevant page visually inspected.** Public NMLS system table; not the state bond form or statutory interpretation. [NMLS Resource Center+1](https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf) |\n| **S_MS-P4-S008** | NMLS Policy Guide, *Chapter IX—NMLS Electronic Surety Bond*. https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html | Lines 15 and 31–37: regulator creates the form, NMLS renders it, and system tracks the instrument. | **Freshly read.** Generic NMLS architecture. Its generic statement that consumers can file some bond claims is not a Mississippi Chapter 22 direct-action rule. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html) |\n| **S_MS-P4-S009** | NMLS, *Managing Electronic Surety Bonds for Licensees*. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html | Lines 111–130: submission, riders, status/history, increases, cancellations, and state-specific requirements. | **Freshly read.** System-function guidance only; it does not supply Mississippi cancellation or claim terms. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html) |\n| **S_MS-P4-S010** | NMLS Checklist Compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx | Public compiler landing route. | **Fresh attempt; no readable Mississippi Debt Management checklist or rendered bond form returned. Not read as a checklist.** [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) |\n| **S_MS-P4-S011** | DBCF Consumer Complaint Form page. https://dbcf.ms.gov/complaint-form/ | Lines 40–60: company-first process, DBCF complaint, thirty-day response, mediation, legal-action limitation. Lines 157–177: transaction documents and desired resolution. | **Freshly read.** Complaint/mediation route, not a surety-claim form or judicial remedy. [MS Banking & Consumer Finance](https://dbcf.ms.gov/complaint-form/) |\n| **S_MS-P4-S012** | Mississippi Code § 11-1-25, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/ | Lines 45–60: bonds for faithful discharge benefit persons designed by law as security regardless of nominal payee or irregular wording. | **Freshly read.** Secondary code mirror with express currency disclaimer; no authenticated current official code page obtained. [Justia Law](https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/) |\n| **S_MS-P4-S013** | *Moore v. Bank of Indianola*, Mississippi Supreme Court, 1938, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html | Relevant majority discussion at lines 93–113, especially lines 106–110 applying predecessor bond-beneficiary rule. | **Relevant majority passages freshly read.** Different bank-liquidation bond and historical statute; persuasive analogy only, not Chapter 22 holding. [Justia Law](https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html) |\n| **S_MS-P4-S014** | *Seaboard Planning Corp. v. Powell*, Mississippi Supreme Court, 1978, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html | Relevant majority at lines 103–123, especially lines 107–111: surety limited to bond amount, principal not similarly limited, payment credited to judgment. | **Relevant complete majority discussion freshly read.** Different securities bond/statute; does not establish Chapter 22 aggregate, form, or claim procedure. [Justia Law+1](https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html) |\n| **S_MS-P4-S015** | Mississippi HB 1428 SG, *Money Transmission Modernization Act*, DBCF-hosted legislative PDF. https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf | Seventy-five pages. Section 32 begins printed page 53/PDF index 52 and continues through printed page 55/indices 53–54, parsed lines 1406–1451. Revocation/cancellation provisions on printed pages 67–68/indices 66–67, lines 1784–1809. Effective July 1, 2025 per DBCF industry-resource identification. | **Necessary security clauses freshly read and page images inspected.** Separate Title 75 regime; no processor or provider coverage inferred without gateway analysis. [MS Banking & Consumer Finance+4](https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf) |\n| **S_MS-P4-S016** | Mississippi Code § 75-16-63, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/ | Lines 45–68: current codification reproduction of $100,000/average-liability formula, claimant benefit, direct suits, increases, and July 1, 2025 history. | **Freshly read as corroboration.** Secondary mirror; S015 is the primary legislative text relied upon. [Justia Law](https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/) |\n\n# C. PASS-04 claim register\n\n## C.1 Provider security and consumer recovery\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, exceptions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_MS-P4-C001** | Continuation of Chapter 22 beyond July 1, 2026 remains strongly supported, and the 2026 carried-forward text reproduces §§ 81-22-7, -23, and -28 without an observed operative difference from the historical DBCF compilation. | S001 lines 9–11; S002 lines 104–105, 184–192, 211–218; S003 corresponding sections. | **High for continuation and comparison performed; medium-high for complete authenticated current codification.** Signed act/current-code/later-chain gap remains. |\n| **C002** | A debt-management-license applicant must provide fixed $50,000 provider security. | S002 § 81-22-7 line 105; S003 printed page 5/index 4, lines 130–140. | **High as text.** No actual applicant/license established. |\n| **C003** | The provider bond is payable to Mississippi and conditions coverage on faithful performance and prompt payment of judgments arising from Chapter 22 violations. | S002/S003, § 81-22-7. | **High.** Actual form may add consistent procedural terms; no form read. |\n| **C004** | Provider substitutes are $50,000 cash, CD, or government bonds, filed with the commissioner on the same statutory terms; interest or earnings belong to the depositor. | S002/S003, § 81-22-7. | **High.** No substitute-deposit form or release procedure recovered. |\n| **C005** | No provider letter of credit, fidelity policy, E&O policy, parent guaranty, self-insurance, consumer escrow, or processor bond is authorized as a § 81-22-7 substitute in the text read. | Complete § 81-22-7 in S002/S003. | **High bounded textual finding.** A later order or amendment was not exhaustively disproved. |\n| **C006** | Chapter 22 supplies no per-office or volume-based provider-bond formula; current NMLS materials treat Mississippi Debt Management as a company ESB and do not accept branch bonds. | S002/S003 § 81-22-7; S007 PDF index 7, lines 164–190. | **High as to sources read.** Separate legal entities/licensing structures remain fact-dependent. |\n| **C007** | The current debt-management ESB is administered through NMLS, is described as perpetual, includes a cancellation clause, and reflects current riders. | S005 printed page 2/index 1; S006 printed page 1/index 0. | **High as current procedure.** Actual clause not obtained. |\n| **C008** | Annual license duration does not by itself terminate the perpetual ESB. | Comparison of S004 lines 123–127 and S006 lines 18–20. | **Medium-high operational conclusion.** Actual form controls cancellation. |\n| **C009** | The agreement must disclose the provider bond and DBCF complaint route. | S003 § 81-22-11(c), printed page 6/index 5. | **High.** Disclosure is not itself a claim procedure. |\n| **C010** | An aggrieved consumer has an express civil action against the provider for court-determined actual damages, costs, and reasonable attorney fees. | S002 § 81-22-23(2)(d), lines 184–191; S003 printed pages 10–11/indices 9–10. | **High.** Proof, forum, limitations, and defenses remain open. |\n| **C011** | The state has an express provider-bond route for civil penalties, criminal fines, and investigation/prosecution costs. | S002 § 81-22-23(2)(c); S003 lines 339–341. | **High.** Priority and bond procedure unresolved. |\n| **C012** | A Chapter 22 civil penalty goes to the Consumer Finance Fund and is not consumer restitution. | S002 § 81-22-23(2)(b); S003 lines 334–338. | **High.** |\n| **C013** | Chapter 22 does not expressly grant consumers a direct pre-judgment action against the provider surety. | Complete §§ 81-22-7 and -23 in S002/S003. | **Medium-high bounded negative finding.** General bond law may supply a route; actual form/cases needed. |\n| **C014** | Mississippi’s general bond statute and *Moore* support—but do not conclusively establish for Chapter 22—that an intended beneficiary may recover despite the bond naming a state payee. | S012 line 57; S013 lines 106–110. | **Medium, analogous.** Different bond/statutory context. |\n| **C015** | Provider liability is not necessarily capped by the provider bond, and a surety payment for the same loss must be credited once. | S014 lines 107–111. | **Medium-high general Mississippi analogy;** exact Chapter 22 form controls surety exposure. |\n| **C016** | Whether consumer attorney fees and costs are covered by the provider bond remains unresolved despite their inclusion in provider liability. | Comparison of § 81-22-7 and § 81-22-23(2)(d); no form/case found. | **Medium unresolved.** |\n| **C017** | DBCF’s complaint process is mediation/regulatory review, not a court judgment or identified surety proof-of-loss process. | S011 lines 51–60. | **High.** |\n| **C018** | No provider-bond claim deadline, cancellation notice period, accrued-liability tail, aggregate reset, replenishment rule, or claimant-priority rule was located in the public Chapter 22 text or retrieved ESB instructions. | S002/S003/S006. | **Medium-high bounded negative finding.** Actual NMLS form and general limitations remain missing. |\n\n## C.2 Processor security\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, exceptions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_MS-P4-C019** | Processor status depends on actual holding, access, possession, distribution, or payment-chain functions under contract; entities solely routing and settling transactions and their sponsoring banks are excluded. | S002 § 81-22-3(i), lines 98–99. | **High as text.** Actual architecture required. |\n| **C020** | A processor ordinarily files $50,000 for the first licensee-client and $50,000 per additional licensee-client, capped at $150,000. | S002 § 81-22-28(3), line 214; S003 printed page 13/index 12. | **High.** |\n| **C021** | Highest daily consumer funds is a notice/reporting figure, not the processor-bond calculation base. | S002 § 81-22-28(2)–(3), lines 213–214. | **High.** |\n| **C022** | The processor bond issuer must be a bonding or insurance company authorized in Mississippi. | S002 § 81-22-28(3). | **High.** |\n| **C023** | Processor substitute assets are permitted, with cash, CDs, and government bonds listed as examples, but their exact required amount and terms are not stated in § 81-22-28. | S002 § 81-22-28(3). | Permission **high**; amount/terms **unresolved**. |\n| **C024** | Provider use of the processor is barred until DBCF confirms receipt of processor security; processor services are barred until DBCF confirms examination authorization. | S002 § 81-22-28(4)–(5), lines 215–216. | **High.** Confirmation is not comprehensive approval. |\n| **C025** | Processor contracts require thirty days’ termination notice and immediate provider notice to DBCF, but this is not a verified bond-cancellation or consumer-tail rule. | S002 § 81-22-28(6). | **High.** |\n| **C026** | When the provider elects provider-level cash, CD, or government-bond security, the processor is excused from separate Chapter 22 security. | S002 § 81-22-28(7); S003 printed page 13/index 12. | **High.** Does not establish direct processor-loss coverage. |\n| **C027** | Section 81-22-28 does not state the processor bond’s payee, beneficiary, covered obligations, direct claimant, claim procedure, cancellation period, tail, aggregate, or deadline. | Complete § 81-22-28 in S002/S003. | **High bounded textual finding;** actual form/interpretation remains missing. |\n| **C028** | Provider and processor bond face amounts cannot automatically be stacked for one consumer loss. | Separate statutory purposes and missing processor claimant terms; S014 credit principle. | **High boundary conclusion.** Actual coverage must be established independently. |\n| **C029** | The DBCF/NMLS debt-management ESB conversion materials do not expressly include nonlicensee third-party processors. | S005/S006 listed license types. | **Medium-high.** Processor filing medium remains unresolved. |\n\n## C.3 Separate money-transmission gateway and public-evidence limits\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, exceptions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_MS-P4-C030** | A separate money-transmitter licensee must generally maintain the greater of $100,000 or 100% of average daily Mississippi transmission liability for the prior completed three months, ordinarily capped at $500,000. | S015 Section 32(1)–(2), printed pages 53–54/indices 52–53; S016 lines 57–59. | **High as separate Title 75 rule.** Gateway/exemptions must first be resolved. |\n| **C031** | The commissioner may increase money-transmitter security for impaired condition or public protection, up to $1 million. | S015 Section 32(6)–(7), printed pages 54–55/indices 53–54; S016 lines 64–65. | **High.** Requires actual commissioner action or statutory circumstances. |\n| **C032** | The money-transmitter bond expressly benefits DBCF and claimants, and claimants or the Attorney General may sue directly. | S015 Section 32(4)–(5), printed page 54/index 53; S016 lines 61–62. | **High.** Not a Chapter 22 processor provision. |\n| **C033** | Money-transmitter bond cancellation uses a separate sixty-day framework, and accrued liabilities survive final revocation. | S015 printed pages 67–68/indices 66–67. | **High for Title 75 only.** Cannot be imported into Chapter 22. |\n| **C034** | DBCF’s webpage displays an obsolete $25,000 money-transmitter floor, while the effective 2025 act and code reproduction use $100,000. | S004 lines 179–199 and 329–334; S015/S016. | **High.** Primary act controls the security calculation. |\n| **C035** | No actual Mississippi Debt Management rendered bond form, processor form, current NMLS checklist, consumer bond-claim form, or public Chapter 22 bond-claim register was recovered. | S008–S010 and bounded official-domain searches. | **Medium-high negative finding.** Search was public and bounded, not a nonpublic NMLS or records request. |\n| **C036** | No reported public merits decision was located construing consumer standing, aggregate, cancellation, or processor-bond recovery under §§ 81-22-7 or -28. | Bounded case searches; S013/S014 are analogies only. | **Medium negative finding.** No paid citator, unpublished docket, or trial-order search. |\n| **C037** | No conclusion is made that an actual provider, processor, bank, administrator, surety, or money transmitter has valid current security. | Entire source record. | **High scope limitation.** Entity-level verification requires legal names, NMLS IDs, instruments, and regulator records. |\n\n# D. PASS-04 component coverage and gap table\n\n| Component | Status | Claim IDs | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| Relevant Chapter 22 continuation after July 1, 2026 | **Strongly supported; complete official chain partial** | C001 | Recover authenticated current code or signed/session-law chain through a materially new normal route; check later amendments to §§ 81-22-7, -23, and -28. Do not repeat the unchanged failed routes. |\n| Provider security amount | **Answered** | C002 | Actual issued instrument and current NMLS status required for a named provider. |\n| Provider amount base | **Answered** | C002, C006 | Fixed statutory amount; no consumer-balance or volume formula found. |\n| Provider per-office/branch requirement | **Answered with NMLS qualification** | C006 | Confirm licensing structure if a provider has separately licensed legal entities or unusual branches. |\n| Provider bond payee and conditions | **Answered textually** | C003 | Actual electronic form needed for procedural and supplemental terms. |\n| Provider surety authorization standard | **Partial** | C003, C007 | Retrieve rendered NMLS form and surety eligibility requirements; statute only says adequate security. |\n| Provider cash/CD/government-bond alternatives | **Answered textually** | C004 | Retrieve deposit form, custody, valuation, maturity, substitution, release, and liquidation rules. |\n| Provider alternative interest/earnings | **Answered** | C004 | Actual deposit account terms remain provider-specific. |\n| Unlisted provider alternatives | **Not established** | C005 | Locate any later order, rule, or form before recognizing LOC, guaranty, fidelity, or self-insurance. |\n| Consumer agreement bond disclosure | **Answered** | C009 | Full agreement audit remains excluded. |\n| Consumer action against provider | **Answered** | C010 | Full pleading, defenses, forum, arbitration, limitation, and collection analysis remains later. |\n| State provider-bond enforcement | **Answered textually** | C011, C012 | Obtain actual agency orders, surety notices, collection procedure, and priority. |\n| Consumer direct action against provider surety | **Unresolved** | C013, C014 | Obtain rendered form; research current § 11-1-25 application, joinder, finality, standing, and Chapter 22 cases/orders. |\n| Judgment prerequisite | **Partial** | C003, C013 | The judgment-payment condition is clear; whether faithful-performance language permits an earlier direct claim remains unresolved. |\n| Costs and attorney fees under bond | **Unresolved** | C010, C016 | Read form and controlling surety decisions addressing statutory judgment components. |\n| Provider liability above $50,000 | **Answered as general boundary** | C015 | Actual judgment and bond defenses remain case-specific. |\n| Double recovery | **Answered as general boundary** | C015 | Allocation among provider, surety, processor, and other recoveries remains case-specific. |\n| Provider ESB filing medium | **Answered** | C007 | Actual company record not read. |\n| Provider bond continuity | **Answered at procedural level** | C007, C008 | Retrieve actual cancellation clause and bond status history. |\n| Provider cancellation notice period | **Unresolved** | C018 | Read rendered Mississippi ESB form or official form specification. |\n| Provider accrued-liability tail | **Unresolved** | C018 | Same; do not import money-transmitter or consumer-loan-broker terms. |\n| Provider replacement/reduction | **Unresolved** | C007, C018 | Read form, NMLS state requirements, riders, and DBCF orders. |\n| Provider claim deadline | **Unresolved** | C018 | Full limitation/form analysis later. |\n| Provider aggregate/per-consumer limit | **Partial** | C002, C015, C018 | Face amount verified; cumulative, annual, occurrence, per-consumer, and reinstatement terms require form/cases. |\n| Multiple consumer claims | **Unresolved allocation** | C018 | Determine form aggregate, claim dates, interpleader, and priority. |\n| State versus consumer priority | **Unresolved** | C011, C018 | Obtain form, agency practice, and controlling law. |\n| Provider insolvency and bond distribution | **Excluded/open beyond narrow security finding** | C018 | Full bankruptcy, receivership, subrogation, guaranty-association, and bond-claim pass. |\n| Processor functional definition | **Answered textually** | C019 | Apply to actual processor contract and technical permissions. |\n| Processor notice and calculation data | **Answered** | C020, C021 | Obtain actual notice and highest-daily-funds reports. |\n| Processor bond amount | **Answered** | C020 | Actual number of licensee-clients required. |\n| Processor issuer authorization | **Answered** | C022 | Verify actual issuer authorization and bond. |\n| Processor substitute assets | **Partial** | C023 | Obtain form or DBCF interpretation on amount, asset types, valuation, title, and release. |\n| Processor pre-use DBCF confirmations | **Answered** | C024 | Obtain actual confirmations for a named processor. |\n| Processor contract termination notice | **Answered** | C025 | Consumer notice, migration, bond cancellation, and tail remain open. |\n| Provider-deposit processor waiver | **Answered textually** | C026 | Determine whether provider deposit responds to processor-caused loss. |\n| Processor bond beneficiary/claimant | **Unresolved** | C027 | Retrieve current processor bond form and formal interpretation. |\n| Processor direct consumer claim | **Unresolved** | C027 | Same, plus private-action and agency analysis. |\n| Processor aggregate/cancellation/tail | **Unresolved** | C027 | Same. |\n| Processor NMLS filing | **Unresolved** | C029 | Determine whether DBCF handles processor security outside NMLS and obtain filing instructions. |\n| Automatic provider/processor bond stacking | **Rejected as unsupported** | C028 | Each coverage and claimant route must be independently established. |\n| DBCF consumer complaint route | **Answered** | C017 | Not a substitute for bond claim or judgment. |\n| Current public provider bond form | **Not recovered** | C035 | Obtain rendered NMLS form through an authorized public release or public-record source; no account or permission changes undertaken. |\n| Current NMLS Debt Management checklist | **Not recovered** | C035 | Recheck when NMLS exposes a downloadable public checklist through a normal route. |\n| Public provider/processor claim instructions | **Not recovered** | C035 | Search future DBCF guidance, enforcement orders, or public forms. |\n| Chapter 22 bond decisions | **No reported merits decision located in bounded search** | C036 | Paid citator, state trial files, federal dockets, bankruptcy matters, and unpublished orders remain later. |\n| Separate money-transmitter security formula | **Answered conditionally** | C030, C031 | Apply only after entity/activity/exemption/delegate analysis. |\n| Money-transmitter direct claimant route | **Answered conditionally** | C032 | Actual coverage, claim timeliness, bond capacity, and entity status required. |\n| Money-transmitter cancellation/accrued liabilities | **Answered conditionally** | C033 | Does not govern Chapter 22 instruments. |\n| Stale DBCF MT application amount | **Resolved in favor of enacted text** | C034 | DBCF should be rechecked before operational use, but $25,000 webpage floor is not relied upon. |\n| Actual provider/processor/bank/surety security | **Unresolved** | C037 | Search by exact legal name and NMLS ID and retrieve the actual public regulator record and instrument data. |\n| Full MCPA, contract, tort, arbitration, remedies, and limitations | **Excluded/open** | None cleared | Later pass. |\n| Full funds, agreement, fee, and account analysis | **Excluded/preserved** | Prior IDs | No implication from this security pass. |\n| FTC-regulated meaning, settlement approval, DMP-as-settlement, indirect control, and one-debt/full-fee questions | **Unchanged and unresolved** | Prior P1/P2 IDs | No implication from this pass. |\n| Collection, secured/sector debt, local, tribal, country, and parent dimensions | **Excluded/open** | None cleared | Later components. |\n| Component, state, parent, A066, operational, or publication acceptance | **Not given** | Entire table | All preserved gaps remain required. |\n\n# E. Researcher self-check\n\n## Actually read in PASS-04\n\n- The complete relevant 2026 carried-forward text of:§ 81-22-7.The bond-disclosure clause in § 81-22-11.§ 81-22-23.The processor definition in § 81-22-3.§ 81-22-28.\n- The corresponding complete passages in DBCF’s thirteen-page historical Chapter 22 compilation, with page-image inspection.\n- DBCF’s 2026 legislative summary entry for HB 1265.\n- DBCF’s complete two-page July 29, 2024 electronic-surety-bond order, with both pages visually inspected.\n- DBCF’s complete two-page ESB conversion plan, with both pages visually inspected.\n- The current DBCF debt-management application body and the relevant money-transmitter/resource portions.\n- The Mississippi row and governing header in the NMLS ESB adoption table, with the page visually inspected.\n- NMLS’s generic electronic-bond policy and management materials.\n- DBCF’s consumer complaint procedure.\n- The current-readable secondary reproduction of § 11-1-25.\n- The relevant majority reasoning and holdings in *Moore* and *Seaboard*.\n- The necessary current money-transmitter security and cancellation passages in DBCF’s seventy-five-page HB 1428 SG, with relevant page images inspected.\n- The 2025 codification reproduction of § 75-16-63 as corroboration.\n\n## Fresh but incomplete or unsuccessful public routes\n\n- The NMLS checklist compiler opened, but no readable current Mississippi Debt Management checklist or rendered bond form was returned.\n- Official-domain and public searches did not recover:A debt-management provider bond form.A processor bond form.Substitute-security forms.A bond-claim form.Claim-history records.A Chapter 22 bond-merits decision.A formal DBCF interpretation of direct consumer standing or processor-bond coverage.\n- Commercial surety pages were encountered only as discovery results and were not used as authority.\n\n## Preserved currentness limitation\n\n- The DBCF-hosted historical Chapter 22 PDF retains obsolete July 1, 2022 headings and histories through 2019.\n- DBCF’s actually read 2026 legislative summary states that HB 1265 removed the July 1, 2026 sunset and became effective July 1, 2026.\n- The complete relevant “As Sent to Governor” text was read from a nonofficial reproduction and matched the historical clauses used here.\n- The authenticated signed act, official complete status record, current official code, and complete later-amendment chain remain held.\n- The unchanged official HB 1265 routes that previously returned 502 were not repeatedly hammered.\n\n## Not read or established\n\n- No actual issued provider or processor bond.\n- No rider, continuation certificate, cancellation notice, replacement bond, or release.\n- No surety underwriting or indemnity agreement.\n- No provider substitute deposit.\n- No DBCF processor-security receipt or examination-authorization confirmation.\n- No consumer proof of loss or judgment.\n- No surety claim decision or payment.\n- No NMLS company record for a named provider, processor, or money transmitter.\n- No nonpublic DBCF licensing or enforcement file.\n- No paid citator, unpublished trial record, bankruptcy docket, or exhaustive federal docket search.\n- No general Mississippi limitation, arbitration, MCPA, contract, tort, restitution, bankruptcy, receiver, subrogation, interpleader, or guaranty-association analysis.\n- No conclusion about an actual entity’s liability, bond validity, available aggregate, claim timeliness, or payout.\n\n## Process and mode\n\nThis pass was completed in the original regular Chat using **GPT-5.6 Sol Pro**, the available quality-first model, and public web research. No Deep Research, Work mode, Codex research generation, Chrome control, other Chat, API, purchase, account change, filing, contact, private borrower data, CAPTCHA workaround, security bypass, site action, local-write claim, or publication action was used.\n\n**END S_MS PASS-04.**\n\n","tables":[{"headers":["Security or recovery route","Who/what triggers it","Verified amount or base","Verified beneficiary/condition","Verified recovery route","Material unresolved points"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Security or recovery route","Who/what triggers it","Verified amount or base","Verified beneficiary/condition","Verified recovery route","Material unresolved points"],["Chapter 22 provider bond","Applicant seeking a debt-management-provider license","$50,000 fixed penal sum","Payable to Mississippi; backs faithful performance of licensed duties and prompt payment of judgments arising from Chapter 22 violations","State may enforce for specified public liabilities; consumer judgment may implicate the judgment-payment condition","Current rendered form, consumer direct-action procedure, cancellation notice, tail, proof of loss, priority, replenishment, annual reset, and claim deadline"],["Provider cash/CD/government-bond alternative","Applicant elects substitute security instead of provider bond","$50,000","Filed with commissioner on the same statutory terms and conditions as the provider bond; earnings belong to depositor","The statute does not give a separate liquidation or consumer-application procedure","Custodian, account title, release, valuation, maturity, substitution, priority, and distribution mechanics"],["Chapter 22 processor bond","Entity meeting the functional processor definition and serving a licensee","$50,000 × number of licensee-clients, capped at $150,000","Issued by a bonding or insurance company authorized in Mississippi","No claimant or direct-suit provision appears in § 81-22-28","Payee, beneficiary, covered conduct, claimants, direct action, cancellation, aggregate, replacement, claim deadline, and whether current filing is electronic"],["Processor substitute assets","Processor elects assets instead of its bond","Statute gives examples—cash, CD, government bonds—but does not expressly state the required substitute amount","Filed with DBCF; pre-use confirmation required","No separate claim procedure stated","Exact amount, valuation, title, earnings, release, beneficiary, and loss-application rules"],["Processor-security waiver","Licensee itself uses provider-level cash/CD/government-bond deposit and also uses a processor","No separate processor bond or processor deposit required by § 81-22-28(7)","Provider deposit remains subject to § 81-22-7 terms","No additional processor-security claim route is created","Whether and when provider security responds to processor acts; direct processor liability remains open"],["Consumer Chapter 22 action","Consumer is aggrieved by a violation or specified practice causing actual damage","Actual damages determined by court, plus costs and reasonable attorney fees","Judgment runs against the provider","Civil action under § 81-22-23(2)(d)","Forum, limitations, arbitration, proof, defenses, collectability, and exact bond treatment of costs/fees"],["State Chapter 22 bond enforcement","Civil penalties, criminal fines, or investigation/prosecution costs","Underlying public liability, subject to available bond coverage","State’s own rights under the provider bond","Expressly authorized by § 81-22-23(2)(c)","Priority against consumer claims, notice to surety, administrative prerequisites, allocation, and exhaustion"],["DBCF complaint process","Consumer submits complaint and supporting records","No adjudicated damages or automatic bond amount","Regulatory complaint/mediation channel","DBCF obtains company response and attempts resolution","Not a court, not a Chapter 22 judgment, and not an identified surety-claim procedure"],["Separate money-transmitter security","Entity independently conducts covered money transmission and lacks an exemption or valid delegate structure","Greater of $100,000 or 100% of average daily Mississippi transmission liability over the last completed three months, ordinarily capped at $500,000; commissioner may increase to $1 million","Runs to state for DBCF and claimants against licensee or agents for transmission obligations","Claimants may sue directly; Attorney General may sue in one or successive actions","Whether the entity/activity is covered; exemptions; actual average liability; direct overlap with a Chapter 22 loss; multiple-bond allocation"]]},{"headers":["Licensees contracted with","Statutory processor bond"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Licensees contracted with","Statutory processor bond"],["1","$50,000"],["2","$100,000"],["3","$150,000"],["4 or more","$150,000"]]},{"headers":["Source ID","Title, issuer, and full literal URL","Exact passage, page/index, version, and legal status","Access classification and limitations"],"index":2,"links":[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance"},{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+2"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","text":"MS Banking & Consumer Finance\n+4"},{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance\n+1"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf","text":"MS Banking & Consumer Finance\n+2"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf","text":"MS Banking & Consumer Finance\n+2"},{"href":"https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","text":"NMLS Resource Center\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System"},{"href":"https://dbcf.ms.gov/complaint-form/","text":"MS Banking & Consumer Finance"},{"href":"https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/","text":"Justia Law"},{"href":"https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html","text":"Justia Law\n+1"},{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf","text":"MS Banking & Consumer Finance\n+4"},{"href":"https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/","text":"Justia Law"}],"row_links":[[],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","text":"MS Banking & Consumer Finance"}],[{"href":"https://legiscan.com/MS/text/HB1265/id/3401614","text":"LegiScan\n+2"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","text":"MS Banking & Consumer Finance\n+4"}],[{"href":"https://dbcf.ms.gov/consumer-finance/","text":"MS Banking & Consumer Finance\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf","text":"MS Banking & Consumer Finance\n+2"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf","text":"MS Banking & Consumer Finance\n+2"}],[{"href":"https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","text":"NMLS Resource Center\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System"}],[{"href":"https://dbcf.ms.gov/complaint-form/","text":"MS Banking & Consumer Finance"}],[{"href":"https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html","text":"Justia Law\n+1"}],[{"href":"https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf","text":"MS Banking & Consumer Finance\n+4"}],[{"href":"https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/","text":"Justia Law"}]],"rows":[["Source ID","Title, issuer, and full literal URL","Exact passage, page/index, version, and legal status","Access classification and limitations"],["S_MS-P4-S001","Legislative Updates: 2026 Regular Session, Mississippi DBCF. https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Three PDF pages. HB 1265 entry on PDF page 1, zero-based index 0, parsed lines 9–11: repeal date removed; effective July 1, 2026.","Freshly opened/read. Official agency enactment summary; not complete enacted wording, signed act, or current-code compilation. \nMS Banking & Consumer Finance"],["S_MS-P4-S002","HB 1265 legislative-text reproduction, LegiScan. https://legiscan.com/MS/text/HB1265/id/3401614","Document body identifies Mississippi Legislature, 2026 Regular Session, HB 1265, “As Sent to Governor.” § 81-22-7 at line 105; § 81-22-11(c) at the carried-forward § 11; § 81-22-23 at lines 184–192; § 81-22-28 at lines 211–218; effective clause at line 220.","Freshly read relevant complete sections. Nonofficial host; host “Passed/Enrolled” label and date were not used as enactment authority. Text comparison source only, paired with S001 and S003. \nLegiScan\n+2"],["S_MS-P4-S003","Mississippi Debt Management Services Act, DBCF-hosted compilation. https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Thirteen PDF pages. § 81-22-7 on printed page 5/PDF index 4, parsed lines 130–140; § 81-22-11(c) on printed page 6/index 5; § 81-22-23 on printed pages 10–11/indices 9–10, lines 319–346; § 81-22-28 on printed pages 12–13/indices 11–12.","Relevant complete clauses freshly read and page images inspected. Agency-hosted primary-text compilation, but historical: histories through 2019 and obsolete 2022 sunset headings. Not used alone for 2026 effect. \nMS Banking & Consumer Finance\n+4"],["S_MS-P4-S004","DBCF Consumer Finance page. https://dbcf.ms.gov/consumer-finance/","Debt-management body at lines 113–136: NMLS route, annual license period, $50,000 provider security alternatives, and application materials. Industry-resource links at lines 260–335.","Freshly read. Current operational page, not an issued license or bond form. Its money-transmitter minimum-requirement paragraph is stale relative to HB 1428. \nMS Banking & Consumer Finance\n+1"],["S_MS-P4-S005","Order of the Commissioner Requiring Conversion to Electronic Surety Bonds, DBCF, July 29, 2024. https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf","Two PDF pages. Authority and NMLS system on printed page 1/index 0; debt-management-provider conversion schedule and order on printed page 2/index 1, parsed lines 29–56.","Freshly read and both pages visually inspected. Establishes electronic filing transition, not bond coverage or claim terms. \nMS Banking & Consumer Finance\n+2"],["S_MS-P4-S006","Electronic Surety Bond Conversion Plan, DBCF. https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf","Two PDF pages. Printed page 1/index 0, lines 3–27: covered license types, NMLS/NAIC fields, branches, cancellation clause, perpetual form, NMLS changes, current amount/riders. Printed page 2/index 1, lines 28–39: MU2 attestation and training resources.","Freshly read and both pages visually inspected. Generic across four license types; does not expose the Mississippi debt-management form or its cancellation wording. \nMS Banking & Consumer Finance\n+2"],["S_MS-P4-S007","NMLS ESB Adoption Table, NMLS/CSBS. https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","Fifteen PDF pages, updated July 29, 2025. Mississippi row on PDF page 8/index 7, parsed lines 164–190; table header states branch bonds are not accepted and lists Debt Management License as a company license type.","Freshly read and relevant page visually inspected. Public NMLS system table; not the state bond form or statutory interpretation. \nNMLS Resource Center\n+1"],["S_MS-P4-S008","NMLS Policy Guide, Chapter IX—NMLS Electronic Surety Bond. https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html","Lines 15 and 31–37: regulator creates the form, NMLS renders it, and system tracks the instrument.","Freshly read. Generic NMLS architecture. Its generic statement that consumers can file some bond claims is not a Mississippi Chapter 22 direct-action rule. \nNationwide Licensing System"],["S_MS-P4-S009","NMLS, Managing Electronic Surety Bonds for Licensees. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html","Lines 111–130: submission, riders, status/history, increases, cancellations, and state-specific requirements.","Freshly read. System-function guidance only; it does not supply Mississippi cancellation or claim terms. \nNationwide Licensing System"],["S_MS-P4-S010","NMLS Checklist Compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Public compiler landing route.","Fresh attempt; no readable Mississippi Debt Management checklist or rendered bond form returned. Not read as a checklist. \nNationwide Licensing System"],["S_MS-P4-S011","DBCF Consumer Complaint Form page. https://dbcf.ms.gov/complaint-form/","Lines 40–60: company-first process, DBCF complaint, thirty-day response, mediation, legal-action limitation. Lines 157–177: transaction documents and desired resolution.","Freshly read. Complaint/mediation route, not a surety-claim form or judicial remedy. \nMS Banking & Consumer Finance"],["S_MS-P4-S012","Mississippi Code § 11-1-25, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/","Lines 45–60: bonds for faithful discharge benefit persons designed by law as security regardless of nominal payee or irregular wording.","Freshly read. Secondary code mirror with express currency disclaimer; no authenticated current official code page obtained. \nJustia Law"],["S_MS-P4-S013","Moore v. Bank of Indianola, Mississippi Supreme Court, 1938, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html","Relevant majority discussion at lines 93–113, especially lines 106–110 applying predecessor bond-beneficiary rule.","Relevant majority passages freshly read. Different bank-liquidation bond and historical statute; persuasive analogy only, not Chapter 22 holding. \nJustia Law"],["S_MS-P4-S014","Seaboard Planning Corp. v. Powell, Mississippi Supreme Court, 1978, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html","Relevant majority at lines 103–123, especially lines 107–111: surety limited to bond amount, principal not similarly limited, payment credited to judgment.","Relevant complete majority discussion freshly read. Different securities bond/statute; does not establish Chapter 22 aggregate, form, or claim procedure. \nJustia Law\n+1"],["S_MS-P4-S015","Mississippi HB 1428 SG, Money Transmission Modernization Act, DBCF-hosted legislative PDF. https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf","Seventy-five pages. Section 32 begins printed page 53/PDF index 52 and continues through printed page 55/indices 53–54, parsed lines 1406–1451. Revocation/cancellation provisions on printed pages 67–68/indices 66–67, lines 1784–1809. Effective July 1, 2025 per DBCF industry-resource identification.","Necessary security clauses freshly read and page images inspected. Separate Title 75 regime; no processor or provider coverage inferred without gateway analysis. \nMS Banking & Consumer Finance\n+4"],["S_MS-P4-S016","Mississippi Code § 75-16-63, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/","Lines 45–68: current codification reproduction of $100,000/average-liability formula, claimant benefit, direct suits, increases, and July 1, 2025 history.","Freshly read as corroboration. Secondary mirror; S015 is the primary legislative text relied upon. \nJustia Law"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],["S_MS-P4-C001","Continuation of Chapter 22 beyond July 1, 2026 remains strongly supported, and the 2026 carried-forward text reproduces §§ 81-22-7, -23, and -28 without an observed operative difference from the historical DBCF compilation.","S001 lines 9–11; S002 lines 104–105, 184–192, 211–218; S003 corresponding sections.","High for continuation and comparison performed; medium-high for complete authenticated current codification. Signed act/current-code/later-chain gap remains."],["C002","A debt-management-license applicant must provide fixed $50,000 provider security.","S002 § 81-22-7 line 105; S003 printed page 5/index 4, lines 130–140.","High as text. No actual applicant/license established."],["C003","The provider bond is payable to Mississippi and conditions coverage on faithful performance and prompt payment of judgments arising from Chapter 22 violations.","S002/S003, § 81-22-7.","High. Actual form may add consistent procedural terms; no form read."],["C004","Provider substitutes are $50,000 cash, CD, or government bonds, filed with the commissioner on the same statutory terms; interest or earnings belong to the depositor.","S002/S003, § 81-22-7.","High. No substitute-deposit form or release procedure recovered."],["C005","No provider letter of credit, fidelity policy, E&O policy, parent guaranty, self-insurance, consumer escrow, or processor bond is authorized as a § 81-22-7 substitute in the text read.","Complete § 81-22-7 in S002/S003.","High bounded textual finding. A later order or amendment was not exhaustively disproved."],["C006","Chapter 22 supplies no per-office or volume-based provider-bond formula; current NMLS materials treat Mississippi Debt Management as a company ESB and do not accept branch bonds.","S002/S003 § 81-22-7; S007 PDF index 7, lines 164–190.","High as to sources read. Separate legal entities/licensing structures remain fact-dependent."],["C007","The current debt-management ESB is administered through NMLS, is described as perpetual, includes a cancellation clause, and reflects current riders.","S005 printed page 2/index 1; S006 printed page 1/index 0.","High as current procedure. Actual clause not obtained."],["C008","Annual license duration does not by itself terminate the perpetual ESB.","Comparison of S004 lines 123–127 and S006 lines 18–20.","Medium-high operational conclusion. Actual form controls cancellation."],["C009","The agreement must disclose the provider bond and DBCF complaint route.","S003 § 81-22-11(c), printed page 6/index 5.","High. Disclosure is not itself a claim procedure."],["C010","An aggrieved consumer has an express civil action against the provider for court-determined actual damages, costs, and reasonable attorney fees.","S002 § 81-22-23(2)(d), lines 184–191; S003 printed pages 10–11/indices 9–10.","High. Proof, forum, limitations, and defenses remain open."],["C011","The state has an express provider-bond route for civil penalties, criminal fines, and investigation/prosecution costs.","S002 § 81-22-23(2)(c); S003 lines 339–341.","High. Priority and bond procedure unresolved."],["C012","A Chapter 22 civil penalty goes to the Consumer Finance Fund and is not consumer restitution.","S002 § 81-22-23(2)(b); S003 lines 334–338.","High."],["C013","Chapter 22 does not expressly grant consumers a direct pre-judgment action against the provider surety.","Complete §§ 81-22-7 and -23 in S002/S003.","Medium-high bounded negative finding. General bond law may supply a route; actual form/cases needed."],["C014","Mississippi’s general bond statute and Moore support—but do not conclusively establish for Chapter 22—that an intended beneficiary may recover despite the bond naming a state payee.","S012 line 57; S013 lines 106–110.","Medium, analogous. Different bond/statutory context."],["C015","Provider liability is not necessarily capped by the provider bond, and a surety payment for the same loss must be credited once.","S014 lines 107–111.","Medium-high general Mississippi analogy; exact Chapter 22 form controls surety exposure."],["C016","Whether consumer attorney fees and costs are covered by the provider bond remains unresolved despite their inclusion in provider liability.","Comparison of § 81-22-7 and § 81-22-23(2)(d); no form/case found.","Medium unresolved."],["C017","DBCF’s complaint process is mediation/regulatory review, not a court judgment or identified surety proof-of-loss process.","S011 lines 51–60.","High."],["C018","No provider-bond claim deadline, cancellation notice period, accrued-liability tail, aggregate reset, replenishment rule, or claimant-priority rule was located in the public Chapter 22 text or retrieved ESB instructions.","S002/S003/S006.","Medium-high bounded negative finding. Actual NMLS form and general limitations remain missing."]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],["S_MS-P4-C019","Processor status depends on actual holding, access, possession, distribution, or payment-chain functions under contract; entities solely routing and settling transactions and their sponsoring banks are excluded.","S002 § 81-22-3(i), lines 98–99.","High as text. Actual architecture required."],["C020","A processor ordinarily files $50,000 for the first licensee-client and $50,000 per additional licensee-client, capped at $150,000.","S002 § 81-22-28(3), line 214; S003 printed page 13/index 12.","High."],["C021","Highest daily consumer funds is a notice/reporting figure, not the processor-bond calculation base.","S002 § 81-22-28(2)–(3), lines 213–214.","High."],["C022","The processor bond issuer must be a bonding or insurance company authorized in Mississippi.","S002 § 81-22-28(3).","High."],["C023","Processor substitute assets are permitted, with cash, CDs, and government bonds listed as examples, but their exact required amount and terms are not stated in § 81-22-28.","S002 § 81-22-28(3).","Permission high; amount/terms unresolved."],["C024","Provider use of the processor is barred until DBCF confirms receipt of processor security; processor services are barred until DBCF confirms examination authorization.","S002 § 81-22-28(4)–(5), lines 215–216.","High. Confirmation is not comprehensive approval."],["C025","Processor contracts require thirty days’ termination notice and immediate provider notice to DBCF, but this is not a verified bond-cancellation or consumer-tail rule.","S002 § 81-22-28(6).","High."],["C026","When the provider elects provider-level cash, CD, or government-bond security, the processor is excused from separate Chapter 22 security.","S002 § 81-22-28(7); S003 printed page 13/index 12.","High. Does not establish direct processor-loss coverage."],["C027","Section 81-22-28 does not state the processor bond’s payee, beneficiary, covered obligations, direct claimant, claim procedure, cancellation period, tail, aggregate, or deadline.","Complete § 81-22-28 in S002/S003.","High bounded textual finding; actual form/interpretation remains missing."],["C028","Provider and processor bond face amounts cannot automatically be stacked for one consumer loss.","Separate statutory purposes and missing processor claimant terms; S014 credit principle.","High boundary conclusion. Actual coverage must be established independently."],["C029","The DBCF/NMLS debt-management ESB conversion materials do not expressly include nonlicensee third-party processors.","S005/S006 listed license types.","Medium-high. Processor filing medium remains unresolved."]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],["S_MS-P4-C030","A separate money-transmitter licensee must generally maintain the greater of $100,000 or 100% of average daily Mississippi transmission liability for the prior completed three months, ordinarily capped at $500,000.","S015 Section 32(1)–(2), printed pages 53–54/indices 52–53; S016 lines 57–59.","High as separate Title 75 rule. Gateway/exemptions must first be resolved."],["C031","The commissioner may increase money-transmitter security for impaired condition or public protection, up to $1 million.","S015 Section 32(6)–(7), printed pages 54–55/indices 53–54; S016 lines 64–65.","High. Requires actual commissioner action or statutory circumstances."],["C032","The money-transmitter bond expressly benefits DBCF and claimants, and claimants or the Attorney General may sue directly.","S015 Section 32(4)–(5), printed page 54/index 53; S016 lines 61–62.","High. Not a Chapter 22 processor provision."],["C033","Money-transmitter bond cancellation uses a separate sixty-day framework, and accrued liabilities survive final revocation.","S015 printed pages 67–68/indices 66–67.","High for Title 75 only. Cannot be imported into Chapter 22."],["C034","DBCF’s webpage displays an obsolete $25,000 money-transmitter floor, while the effective 2025 act and code reproduction use $100,000.","S004 lines 179–199 and 329–334; S015/S016.","High. Primary act controls the security calculation."],["C035","No actual Mississippi Debt Management rendered bond form, processor form, current NMLS checklist, consumer bond-claim form, or public Chapter 22 bond-claim register was recovered.","S008–S010 and bounded official-domain searches.","Medium-high negative finding. Search was public and bounded, not a nonpublic NMLS or records request."],["C036","No reported public merits decision was located construing consumer standing, aggregate, cancellation, or processor-bond recovery under §§ 81-22-7 or -28.","Bounded case searches; S013/S014 are analogies only.","Medium negative finding. No paid citator, unpublished docket, or trial-order search."],["C037","No conclusion is made that an actual provider, processor, bank, administrator, surety, or money transmitter has valid current security.","Entire source record.","High scope limitation. Entity-level verification requires legal names, NMLS IDs, instruments, and regulator records."]]},{"headers":["Component","Status","Claim IDs","Exact missing evidence / next action"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claim IDs","Exact missing evidence / next action"],["Relevant Chapter 22 continuation after July 1, 2026","Strongly supported; complete official chain partial","C001","Recover authenticated current code or signed/session-law chain through a materially new normal route; check later amendments to §§ 81-22-7, -23, and -28. Do not repeat the unchanged failed routes."],["Provider security amount","Answered","C002","Actual issued instrument and current NMLS status required for a named provider."],["Provider amount base","Answered","C002, C006","Fixed statutory amount; no consumer-balance or volume formula found."],["Provider per-office/branch requirement","Answered with NMLS qualification","C006","Confirm licensing structure if a provider has separately licensed legal entities or unusual branches."],["Provider bond payee and conditions","Answered textually","C003","Actual electronic form needed for procedural and supplemental terms."],["Provider surety authorization standard","Partial","C003, C007","Retrieve rendered NMLS form and surety eligibility requirements; statute only says adequate security."],["Provider cash/CD/government-bond alternatives","Answered textually","C004","Retrieve deposit form, custody, valuation, maturity, substitution, release, and liquidation rules."],["Provider alternative interest/earnings","Answered","C004","Actual deposit account terms remain provider-specific."],["Unlisted provider alternatives","Not established","C005","Locate any later order, rule, or form before recognizing LOC, guaranty, fidelity, or self-insurance."],["Consumer agreement bond disclosure","Answered","C009","Full agreement audit remains excluded."],["Consumer action against provider","Answered","C010","Full pleading, defenses, forum, arbitration, limitation, and collection analysis remains later."],["State provider-bond enforcement","Answered textually","C011, C012","Obtain actual agency orders, surety notices, collection procedure, and priority."],["Consumer direct action against provider surety","Unresolved","C013, C014","Obtain rendered form; research current § 11-1-25 application, joinder, finality, standing, and Chapter 22 cases/orders."],["Judgment prerequisite","Partial","C003, C013","The judgment-payment condition is clear; whether faithful-performance language permits an earlier direct claim remains unresolved."],["Costs and attorney fees under bond","Unresolved","C010, C016","Read form and controlling surety decisions addressing statutory judgment components."],["Provider liability above $50,000","Answered as general boundary","C015","Actual judgment and bond defenses remain case-specific."],["Double recovery","Answered as general boundary","C015","Allocation among provider, surety, processor, and other recoveries remains case-specific."],["Provider ESB filing medium","Answered","C007","Actual company record not read."],["Provider bond continuity","Answered at procedural level","C007, C008","Retrieve actual cancellation clause and bond status history."],["Provider cancellation notice period","Unresolved","C018","Read rendered Mississippi ESB form or official form specification."],["Provider accrued-liability tail","Unresolved","C018","Same; do not import money-transmitter or consumer-loan-broker terms."],["Provider replacement/reduction","Unresolved","C007, C018","Read form, NMLS state requirements, riders, and DBCF orders."],["Provider claim deadline","Unresolved","C018","Full limitation/form analysis later."],["Provider aggregate/per-consumer limit","Partial","C002, C015, C018","Face amount verified; cumulative, annual, occurrence, per-consumer, and reinstatement terms require form/cases."],["Multiple consumer claims","Unresolved allocation","C018","Determine form aggregate, claim dates, interpleader, and priority."],["State versus consumer priority","Unresolved","C011, C018","Obtain form, agency practice, and controlling law."],["Provider insolvency and bond distribution","Excluded/open beyond narrow security finding","C018","Full bankruptcy, receivership, subrogation, guaranty-association, and bond-claim pass."],["Processor functional definition","Answered textually","C019","Apply to actual processor contract and technical permissions."],["Processor notice and calculation data","Answered","C020, C021","Obtain actual notice and highest-daily-funds reports."],["Processor bond amount","Answered","C020","Actual number of licensee-clients required."],["Processor issuer authorization","Answered","C022","Verify actual issuer authorization and bond."],["Processor substitute assets","Partial","C023","Obtain form or DBCF interpretation on amount, asset types, valuation, title, and release."],["Processor pre-use DBCF confirmations","Answered","C024","Obtain actual confirmations for a named processor."],["Processor contract termination notice","Answered","C025","Consumer notice, migration, bond cancellation, and tail remain open."],["Provider-deposit processor waiver","Answered textually","C026","Determine whether provider deposit responds to processor-caused loss."],["Processor bond beneficiary/claimant","Unresolved","C027","Retrieve current processor bond form and formal interpretation."],["Processor direct consumer claim","Unresolved","C027","Same, plus private-action and agency analysis."],["Processor aggregate/cancellation/tail","Unresolved","C027","Same."],["Processor NMLS filing","Unresolved","C029","Determine whether DBCF handles processor security outside NMLS and obtain filing instructions."],["Automatic provider/processor bond stacking","Rejected as unsupported","C028","Each coverage and claimant route must be independently established."],["DBCF consumer complaint route","Answered","C017","Not a substitute for bond claim or judgment."],["Current public provider bond form","Not recovered","C035","Obtain rendered NMLS form through an authorized public release or public-record source; no account or permission changes undertaken."],["Current NMLS Debt Management checklist","Not recovered","C035","Recheck when NMLS exposes a downloadable public checklist through a normal route."],["Public provider/processor claim instructions","Not recovered","C035","Search future DBCF guidance, enforcement orders, or public forms."],["Chapter 22 bond decisions","No reported merits decision located in bounded search","C036","Paid citator, state trial files, federal dockets, bankruptcy matters, and unpublished orders remain later."],["Separate money-transmitter security formula","Answered conditionally","C030, C031","Apply only after entity/activity/exemption/delegate analysis."],["Money-transmitter direct claimant route","Answered conditionally","C032","Actual coverage, claim timeliness, bond capacity, and entity status required."],["Money-transmitter cancellation/accrued liabilities","Answered conditionally","C033","Does not govern Chapter 22 instruments."],["Stale DBCF MT application amount","Resolved in favor of enacted text","C034","DBCF should be rechecked before operational use, but $25,000 webpage floor is not relied upon."],["Actual provider/processor/bank/surety security","Unresolved","C037","Search by exact legal name and NMLS ID and retrieve the actual public regulator record and instrument data."],["Full MCPA, contract, tort, arbitration, remedies, and limitations","Excluded/open","None cleared","Later pass."],["Full funds, agreement, fee, and account analysis","Excluded/preserved","Prior IDs","No implication from this security pass."],["FTC-regulated meaning, settlement approval, DMP-as-settlement, indirect control, and one-debt/full-fee questions","Unchanged and unresolved","Prior P1/P2 IDs","No implication from this pass."],["Collection, secured/sector debt, local, tribal, country, and parent dimensions","Excluded/open","None cleared","Later components."],["Component, state, parent, A066, operational, or publication acceptance","Not given","Entire table","All preserved gaps remain required."]]}],"claims":[{"claim_id":"S_MS-P4-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MS-P4-C001","Precise assertion":"Continuation of Chapter 22 beyond July 1, 2026 remains strongly supported, and the 2026 carried-forward text reproduces §§ 81-22-7, -23, and -28 without an observed operative difference from the historical DBCF compilation.","Sources and pinpoints":"S001 lines 9–11; S002 lines 104–105, 184–192, 211–218; S003 corresponding sections.","Conditions, exceptions, currentness, confidence":"High for continuation and comparison performed; medium-high for complete authenticated current codification. Signed act/current-code/later-chain gap remains."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"A debt-management-license applicant must provide fixed $50,000 provider security.","Sources and pinpoints":"S002 § 81-22-7 line 105; S003 printed page 5/index 4, lines 130–140.","Conditions, exceptions, currentness, confidence":"High as text. No actual applicant/license established."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"The provider bond is payable to Mississippi and conditions coverage on faithful performance and prompt payment of judgments arising from Chapter 22 violations.","Sources and pinpoints":"S002/S003, § 81-22-7.","Conditions, exceptions, currentness, confidence":"High. Actual form may add consistent procedural terms; no form read."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"Provider substitutes are $50,000 cash, CD, or government bonds, filed with the commissioner on the same statutory terms; interest or earnings belong to the depositor.","Sources and pinpoints":"S002/S003, § 81-22-7.","Conditions, exceptions, currentness, confidence":"High. No substitute-deposit form or release procedure recovered."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"No provider letter of credit, fidelity policy, E&O policy, parent guaranty, self-insurance, consumer escrow, or processor bond is authorized as a § 81-22-7 substitute in the text read.","Sources and pinpoints":"Complete § 81-22-7 in S002/S003.","Conditions, exceptions, currentness, confidence":"High bounded textual finding. A later order or amendment was not exhaustively disproved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"Chapter 22 supplies no per-office or volume-based provider-bond formula; current NMLS materials treat Mississippi Debt Management as a company ESB and do not accept branch bonds.","Sources and pinpoints":"S002/S003 § 81-22-7; S007 PDF index 7, lines 164–190.","Conditions, exceptions, currentness, confidence":"High as to sources read. Separate legal entities/licensing structures remain fact-dependent."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"The current debt-management ESB is administered through NMLS, is described as perpetual, includes a cancellation clause, and reflects current riders.","Sources and pinpoints":"S005 printed page 2/index 1; S006 printed page 1/index 0.","Conditions, exceptions, currentness, confidence":"High as current procedure. Actual clause not obtained."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"Annual license duration does not by itself terminate the perpetual ESB.","Sources and pinpoints":"Comparison of S004 lines 123–127 and S006 lines 18–20.","Conditions, exceptions, currentness, confidence":"Medium-high operational conclusion. Actual form controls cancellation."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"The agreement must disclose the provider bond and DBCF complaint route.","Sources and pinpoints":"S003 § 81-22-11(c), printed page 6/index 5.","Conditions, exceptions, currentness, confidence":"High. Disclosure is not itself a claim procedure."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"An aggrieved consumer has an express civil action against the provider for court-determined actual damages, costs, and reasonable attorney fees.","Sources and pinpoints":"S002 § 81-22-23(2)(d), lines 184–191; S003 printed pages 10–11/indices 9–10.","Conditions, exceptions, currentness, confidence":"High. Proof, forum, limitations, and defenses remain open."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"The state has an express provider-bond route for civil penalties, criminal fines, and investigation/prosecution costs.","Sources and pinpoints":"S002 § 81-22-23(2)(c); S003 lines 339–341.","Conditions, exceptions, currentness, confidence":"High. Priority and bond procedure unresolved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"A Chapter 22 civil penalty goes to the Consumer Finance Fund and is not consumer restitution.","Sources and pinpoints":"S002 § 81-22-23(2)(b); S003 lines 334–338.","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"Chapter 22 does not expressly grant consumers a direct pre-judgment action against the provider surety.","Sources and pinpoints":"Complete §§ 81-22-7 and -23 in S002/S003.","Conditions, exceptions, currentness, confidence":"Medium-high bounded negative finding. General bond law may supply a route; actual form/cases needed."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"Mississippi’s general bond statute and Moore support—but do not conclusively establish for Chapter 22—that an intended beneficiary may recover despite the bond naming a state payee.","Sources and pinpoints":"S012 line 57; S013 lines 106–110.","Conditions, exceptions, currentness, confidence":"Medium, analogous. Different bond/statutory context."},"coordinator_verification_status":"held_for_unreopened_authority_or_coverage_construction","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"Provider liability is not necessarily capped by the provider bond, and a surety payment for the same loss must be credited once.","Sources and pinpoints":"S014 lines 107–111.","Conditions, exceptions, currentness, confidence":"Medium-high general Mississippi analogy; exact Chapter 22 form controls surety exposure."},"coordinator_verification_status":"held_for_unreopened_authority_or_coverage_construction","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"Whether consumer attorney fees and costs are covered by the provider bond remains unresolved despite their inclusion in provider liability.","Sources and pinpoints":"Comparison of § 81-22-7 and § 81-22-23(2)(d); no form/case found.","Conditions, exceptions, currentness, confidence":"Medium unresolved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"DBCF’s complaint process is mediation/regulatory review, not a court judgment or identified surety proof-of-loss process.","Sources and pinpoints":"S011 lines 51–60.","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"No provider-bond claim deadline, cancellation notice period, accrued-liability tail, aggregate reset, replenishment rule, or claimant-priority rule was located in the public Chapter 22 text or retrieved ESB instructions.","Sources and pinpoints":"S002/S003/S006.","Conditions, exceptions, currentness, confidence":"Medium-high bounded negative finding. Actual NMLS form and general limitations remain missing."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-P4-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MS-P4-C019","Precise assertion":"Processor status depends on actual holding, access, possession, distribution, or payment-chain functions under contract; entities solely routing and settling transactions and their sponsoring banks are excluded.","Sources and pinpoints":"S002 § 81-22-3(i), lines 98–99.","Conditions, exceptions, currentness, confidence":"High as text. Actual architecture required."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"A processor ordinarily files $50,000 for the first licensee-client and $50,000 per additional licensee-client, capped at $150,000.","Sources and pinpoints":"S002 § 81-22-28(3), line 214; S003 printed page 13/index 12.","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"Highest daily consumer funds is a notice/reporting figure, not the processor-bond calculation base.","Sources and pinpoints":"S002 § 81-22-28(2)–(3), lines 213–214.","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"The processor bond issuer must be a bonding or insurance company authorized in Mississippi.","Sources and pinpoints":"S002 § 81-22-28(3).","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"Processor substitute assets are permitted, with cash, CDs, and government bonds listed as examples, but their exact required amount and terms are not stated in § 81-22-28.","Sources and pinpoints":"S002 § 81-22-28(3).","Conditions, exceptions, currentness, confidence":"Permission high; amount/terms unresolved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"Provider use of the processor is barred until DBCF confirms receipt of processor security; processor services are barred until DBCF confirms examination authorization.","Sources and pinpoints":"S002 § 81-22-28(4)–(5), lines 215–216.","Conditions, exceptions, currentness, confidence":"High. Confirmation is not comprehensive approval."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"Processor contracts require thirty days’ termination notice and immediate provider notice to DBCF, but this is not a verified bond-cancellation or consumer-tail rule.","Sources and pinpoints":"S002 § 81-22-28(6).","Conditions, exceptions, currentness, confidence":"High."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"When the provider elects provider-level cash, CD, or government-bond security, the processor is excused from separate Chapter 22 security.","Sources and pinpoints":"S002 § 81-22-28(7); S003 printed page 13/index 12.","Conditions, exceptions, currentness, confidence":"High. Does not establish direct processor-loss coverage."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"Section 81-22-28 does not state the processor bond’s payee, beneficiary, covered obligations, direct claimant, claim procedure, cancellation period, tail, aggregate, or deadline.","Sources and pinpoints":"Complete § 81-22-28 in S002/S003.","Conditions, exceptions, currentness, confidence":"High bounded textual finding; actual form/interpretation remains missing."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise assertion":"Provider and processor bond face amounts cannot automatically be stacked for one consumer loss.","Sources and pinpoints":"Separate statutory purposes and missing processor claimant terms; S014 credit principle.","Conditions, exceptions, currentness, confidence":"High boundary conclusion. Actual coverage must be established independently."},"coordinator_verification_status":"held_for_unreopened_authority_or_coverage_construction","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise assertion":"The DBCF/NMLS debt-management ESB conversion materials do not expressly include nonlicensee third-party processors.","Sources and pinpoints":"S005/S006 listed license types.","Conditions, exceptions, currentness, confidence":"Medium-high. Processor filing medium remains unresolved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-P4-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_MS-P4-C030","Precise assertion":"A separate money-transmitter licensee must generally maintain the greater of $100,000 or 100% of average daily Mississippi transmission liability for the prior completed three months, ordinarily capped at $500,000.","Sources and pinpoints":"S015 Section 32(1)–(2), printed pages 53–54/indices 52–53; S016 lines 57–59.","Conditions, exceptions, currentness, confidence":"High as separate Title 75 rule. Gateway/exemptions must first be resolved."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise assertion":"The commissioner may increase money-transmitter security for impaired condition or public protection, up to $1 million.","Sources and pinpoints":"S015 Section 32(6)–(7), printed pages 54–55/indices 53–54; S016 lines 64–65.","Conditions, exceptions, currentness, confidence":"High. Requires actual commissioner action or statutory circumstances."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise assertion":"The money-transmitter bond expressly benefits DBCF and claimants, and claimants or the Attorney General may sue directly.","Sources and pinpoints":"S015 Section 32(4)–(5), printed page 54/index 53; S016 lines 61–62.","Conditions, exceptions, currentness, confidence":"High. Not a Chapter 22 processor provision."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise assertion":"Money-transmitter bond cancellation uses a separate sixty-day framework, and accrued liabilities survive final revocation.","Sources and pinpoints":"S015 printed pages 67–68/indices 66–67.","Conditions, exceptions, currentness, confidence":"High for Title 75 only. Cannot be imported into Chapter 22."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise assertion":"DBCF’s webpage displays an obsolete $25,000 money-transmitter floor, while the effective 2025 act and code reproduction use $100,000.","Sources and pinpoints":"S004 lines 179–199 and 329–334; S015/S016.","Conditions, exceptions, currentness, confidence":"High. Primary act controls the security calculation."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise assertion":"No actual Mississippi Debt Management rendered bond form, processor form, current NMLS checklist, consumer bond-claim form, or public Chapter 22 bond-claim register was recovered.","Sources and pinpoints":"S008–S010 and bounded official-domain searches.","Conditions, exceptions, currentness, confidence":"Medium-high negative finding. Search was public and bounded, not a nonpublic NMLS or records request."},"coordinator_verification_status":"held_for_unreopened_authority_or_coverage_construction","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise assertion":"No reported public merits decision was located construing consumer standing, aggregate, cancellation, or processor-bond recovery under §§ 81-22-7 or -28.","Sources and pinpoints":"Bounded case searches; S013/S014 are analogies only.","Conditions, exceptions, currentness, confidence":"Medium negative finding. No paid citator, unpublished docket, or trial-order search."},"coordinator_verification_status":"held_for_unreopened_authority_or_coverage_construction","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."},{"claim_id":"S_MS-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise assertion":"No conclusion is made that an actual provider, processor, bank, administrator, surety, or money transmitter has valid current security.","Sources and pinpoints":"Entire source record.","Conditions, exceptions, currentness, confidence":"High scope limitation. Entity-level verification requires legal names, NMLS IDs, instruments, and regulator records."},"coordinator_verification_status":"selected_text_compared_with_currentness_form_and_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimread; exactsourcebounds/notes inreview. Noactualsecurity/beneficiary/judgment/timeliness/currentofficialchainorparentacceptance. Unreopenedcasesandsecondarycodeare notnewprimarychecks."}],"sources":[{"source_id":"S_MS-P4-S001","urls":["https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S001","Title, issuer, and full literal URL":"Legislative Updates: 2026 Regular Session, Mississippi DBCF. https://dbcf.ms.gov/wp-content/uploads/2026/05/Legislative-Update-for-Website.2026-Regular-Session.Revised.pdf","Exact passage, page/index, version, and legal status":"Three PDF pages. HB 1265 entry on PDF page 1, zero-based index 0, parsed lines 9–11: repeal date removed; effective July 1, 2026.","Access classification and limitations":"Freshly opened/read. Official agency enactment summary; not complete enacted wording, signed act, or current-code compilation. \nMS Banking & Consumer Finance"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"same-session primary agency HB1265 summary explicitly reused; not signed act/currentcode"},{"source_id":"S_MS-P4-S002","urls":["https://legiscan.com/MS/text/HB1265/id/3401614"],"researcher_record":{"Source ID":"S_MS-P4-S002","Title, issuer, and full literal URL":"HB 1265 legislative-text reproduction, LegiScan. https://legiscan.com/MS/text/HB1265/id/3401614","Exact passage, page/index, version, and legal status":"Document body identifies Mississippi Legislature, 2026 Regular Session, HB 1265, “As Sent to Governor.” § 81-22-7 at line 105; § 81-22-11(c) at the carried-forward § 11; § 81-22-23 at lines 184–192; § 81-22-28 at lines 211–218; effective clause at line 220.","Access classification and limitations":"Freshly read relevant complete sections. Nonofficial host; host “Passed/Enrolled” label and date were not used as enactment authority. Text comparison source only, paired with S001 and S003. \nLegiScan\n+2"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"complete selected carried-forward7/23/28 andprocessor definition compared; header reused; nonofficialhost/status gap retained"},{"source_id":"S_MS-P4-S003","urls":["https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S003","Title, issuer, and full literal URL":"Mississippi Debt Management Services Act, DBCF-hosted compilation. https://dbcf.ms.gov/wp-content/uploads/2020/11/Mississippi-Debt-Management-Services-Act.pdf","Exact passage, page/index, version, and legal status":"Thirteen PDF pages. § 81-22-7 on printed page 5/PDF index 4, parsed lines 130–140; § 81-22-11(c) on printed page 6/index 5; § 81-22-23 on printed pages 10–11/indices 9–10, lines 319–346; § 81-22-28 on printed pages 12–13/indices 11–12.","Access classification and limitations":"Relevant complete clauses freshly read and page images inspected. Agency-hosted primary-text compilation, but historical: histories through 2019 and obsolete 2022 sunset headings. Not used alone for 2026 effect. \nMS Banking & Consumer Finance\n+4"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"complete historical7/23/28 andselecteddefinition compared;11(2)(c)reused; obsoleteheading/currentchainheld"},{"source_id":"S_MS-P4-S004","urls":["https://dbcf.ms.gov/consumer-finance/"],"researcher_record":{"Source ID":"S_MS-P4-S004","Title, issuer, and full literal URL":"DBCF Consumer Finance page. https://dbcf.ms.gov/consumer-finance/","Exact passage, page/index, version, and legal status":"Debt-management body at lines 113–136: NMLS route, annual license period, $50,000 provider security alternatives, and application materials. Industry-resource links at lines 260–335.","Access classification and limitations":"Freshly read. Current operational page, not an issued license or bond form. Its money-transmitter minimum-requirement paragraph is stale relative to HB 1428. \nMS Banking & Consumer Finance\n+1"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"selected complete operationalbodies andlinks compared; stale25000MTfloor not controlling; no actualstatus"},{"source_id":"S_MS-P4-S005","urls":["https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S005","Title, issuer, and full literal URL":"Order of the Commissioner Requiring Conversion to Electronic Surety Bonds, DBCF, July 29, 2024. https://dbcf.ms.gov/wp-content/uploads/2024/07/Order.Electronic-Surety-Bonds.2024July29.pdf","Exact passage, page/index, version, and legal status":"Two PDF pages. Authority and NMLS system on printed page 1/index 0; debt-management-provider conversion schedule and order on printed page 2/index 1, parsed lines 29–56.","Access classification and limitations":"Freshly read and both pages visually inspected. Establishes electronic filing transition, not bond coverage or claim terms. \nMS Banking & Consumer Finance\n+2"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"complete parsed2pageorder; noactualpixels; electronictransitiononly"},{"source_id":"S_MS-P4-S006","urls":["https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S006","Title, issuer, and full literal URL":"Electronic Surety Bond Conversion Plan, DBCF. https://dbcf.ms.gov/wp-content/uploads/2024/10/ESB-Instructions-CLB-SL-DM-MT-2024.pdf","Exact passage, page/index, version, and legal status":"Two PDF pages. Printed page 1/index 0, lines 3–27: covered license types, NMLS/NAIC fields, branches, cancellation clause, perpetual form, NMLS changes, current amount/riders. Printed page 2/index 1, lines 28–39: MU2 attestation and training resources.","Access classification and limitations":"Freshly read and both pages visually inspected. Generic across four license types; does not expose the Mississippi debt-management form or its cancellation wording. \nMS Banking & Consumer Finance\n+2"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"complete parsed2pageinstructions; noactualpixels/formterms; N001datequalification"},{"source_id":"S_MS-P4-S007","urls":["https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S007","Title, issuer, and full literal URL":"NMLS ESB Adoption Table, NMLS/CSBS. https://qa.mortgage.nationwidelicensingsystem.org/news/Documents/ESB%20Adoption%20Map%20and%20Table.pdf","Exact passage, page/index, version, and legal status":"Fifteen PDF pages, updated July 29, 2025. Mississippi row on PDF page 8/index 7, parsed lines 164–190; table header states branch bonds are not accepted and lists Debt Management License as a company license type.","Access classification and limitations":"Freshly read and relevant page visually inspected. Public NMLS system table; not the state bond form or statutory interpretation. \nNMLS Resource Center\n+1"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"datedJuly29,2025QA-hostedrow/headercompared; no currentbranch/entityfinding"},{"source_id":"S_MS-P4-S008","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html"],"researcher_record":{"Source ID":"S_MS-P4-S008","Title, issuer, and full literal URL":"NMLS Policy Guide, Chapter IX—NMLS Electronic Surety Bond. https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_ESB_nmlsElectronicSuretyBond.html","Exact passage, page/index, version, and legal status":"Lines 15 and 31–37: regulator creates the form, NMLS renders it, and system tracks the instrument.","Access classification and limitations":"Freshly read. Generic NMLS architecture. Its generic statement that consumers can file some bond claims is not a Mississippi Chapter 22 direct-action rule. \nNationwide Licensing System"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"genericregulatorcreated/NMLSrenderedarchitecturecompared; notMississippidirectaction"},{"source_id":"S_MS-P4-S009","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html"],"researcher_record":{"Source ID":"S_MS-P4-S009","Title, issuer, and full literal URL":"NMLS, Managing Electronic Surety Bonds for Licensees. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licCompESB_ESBforLicensees_managing.html","Exact passage, page/index, version, and legal status":"Lines 111–130: submission, riders, status/history, increases, cancellations, and state-specific requirements.","Access classification and limitations":"Freshly read. System-function guidance only; it does not supply Mississippi cancellation or claim terms. \nNationwide Licensing System"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"genericselectedmanagementbodycompared; no actualinstrumentterms"},{"source_id":"S_MS-P4-S010","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"],"researcher_record":{"Source ID":"S_MS-P4-S010","Title, issuer, and full literal URL":"NMLS Checklist Compiler. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Exact passage, page/index, version, and legal status":"Public compiler landing route.","Access classification and limitations":"Fresh attempt; no readable Mississippi Debt Management checklist or rendered bond form returned. Not read as a checklist. \nNationwide Licensing System"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Originalresearcher attribution preserved; not freshlyverified. No case/provider/recordresearch or failedroute retry."},{"source_id":"S_MS-P4-S011","urls":["https://dbcf.ms.gov/complaint-form/"],"researcher_record":{"Source ID":"S_MS-P4-S011","Title, issuer, and full literal URL":"DBCF Consumer Complaint Form page. https://dbcf.ms.gov/complaint-form/","Exact passage, page/index, version, and legal status":"Lines 40–60: company-first process, DBCF complaint, thirty-day response, mediation, legal-action limitation. Lines 157–177: transaction documents and desired resolution.","Access classification and limitations":"Freshly read. Complaint/mediation route, not a surety-claim form or judicial remedy. \nMS Banking & Consumer Finance"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"completepublicintroprocedurecompared;30daysfrommailing andlitigation/priorregulatorlimits; noformsubmitted"},{"source_id":"S_MS-P4-S012","urls":["https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/"],"researcher_record":{"Source ID":"S_MS-P4-S012","Title, issuer, and full literal URL":"Mississippi Code § 11-1-25, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-11/chapter-1/section-11-1-25/","Exact passage, page/index, version, and legal status":"Lines 45–60: bonds for faithful discharge benefit persons designed by law as security regardless of nominal payee or irregular wording.","Access classification and limitations":"Freshly read. Secondary code mirror with express currency disclaimer; no authenticated current official code page obtained. \nJustia Law"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Originalresearcher attribution preserved; not freshlyverified. No case/provider/recordresearch or failedroute retry."},{"source_id":"S_MS-P4-S013","urls":["https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html"],"researcher_record":{"Source ID":"S_MS-P4-S013","Title, issuer, and full literal URL":"Moore v. Bank of Indianola, Mississippi Supreme Court, 1938, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1938/183-miss-626.html","Exact passage, page/index, version, and legal status":"Relevant majority discussion at lines 93–113, especially lines 106–110 applying predecessor bond-beneficiary rule.","Access classification and limitations":"Relevant majority passages freshly read. Different bank-liquidation bond and historical statute; persuasive analogy only, not Chapter 22 holding. \nJustia Law"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Originalresearcher attribution preserved; not freshlyverified. No case/provider/recordresearch or failedroute retry."},{"source_id":"S_MS-P4-S014","urls":["https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html"],"researcher_record":{"Source ID":"S_MS-P4-S014","Title, issuer, and full literal URL":"Seaboard Planning Corp. v. Powell, Mississippi Supreme Court, 1978, opinion reproduction. https://law.justia.com/cases/mississippi/supreme-court/1978/50581-0.html","Exact passage, page/index, version, and legal status":"Relevant majority at lines 103–123, especially lines 107–111: surety limited to bond amount, principal not similarly limited, payment credited to judgment.","Access classification and limitations":"Relevant complete majority discussion freshly read. Different securities bond/statute; does not establish Chapter 22 aggregate, form, or claim procedure. \nJustia Law\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Originalresearcher attribution preserved; not freshlyverified. No case/provider/recordresearch or failedroute retry."},{"source_id":"S_MS-P4-S015","urls":["https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf"],"researcher_record":{"Source ID":"S_MS-P4-S015","Title, issuer, and full literal URL":"Mississippi HB 1428 SG, Money Transmission Modernization Act, DBCF-hosted legislative PDF. https://dbcf.ms.gov/wp-content/uploads/2025/07/HB1428SG.pdf","Exact passage, page/index, version, and legal status":"Seventy-five pages. Section 32 begins printed page 53/PDF index 52 and continues through printed page 55/indices 53–54, parsed lines 1406–1451. Revocation/cancellation provisions on printed pages 67–68/indices 66–67, lines 1784–1809. Effective July 1, 2025 per DBCF industry-resource identification.","Access classification and limitations":"Necessary security clauses freshly read and page images inspected. Separate Title 75 regime; no processor or provider coverage inferred without gateway analysis. \nMS Banking & Consumer Finance\n+4"},"coordinator_verification_status":"selected_source_text_compared_with_provenance_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"completeSection32,34andselected36(6)-(8)read; separategateway/currentnessheld; N002additionalbranch"},{"source_id":"S_MS-P4-S016","urls":["https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/"],"researcher_record":{"Source ID":"S_MS-P4-S016","Title, issuer, and full literal URL":"Mississippi Code § 75-16-63, 2025 secondary code reproduction. https://law.justia.com/codes/mississippi/title-75/chapter-16/section-75-16-63/","Exact passage, page/index, version, and legal status":"Lines 45–68: current codification reproduction of $100,000/average-liability formula, claimant benefit, direct suits, increases, and July 1, 2025 history.","Access classification and limitations":"Freshly read as corroboration. Secondary mirror; S015 is the primary legislative text relied upon. \nJustia Law"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Originalresearcher attribution preserved; not freshlyverified. No case/provider/recordresearch or failedroute retry."}],"coverage":[{"topic":"Relevant Chapter 22 continuation after July 1, 2026","researcher_record":{"Component":"Relevant Chapter 22 continuation after July 1, 2026","Status":"Strongly supported; complete official chain partial","Claim IDs":"C001","Exact missing evidence / next action":"Recover authenticated current code or signed/session-law chain through a materially new normal route; check later amendments to §§ 81-22-7, -23, and -28. Do not repeat the unchanged failed routes."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider security amount","researcher_record":{"Component":"Provider security amount","Status":"Answered","Claim IDs":"C002","Exact missing evidence / next action":"Actual issued instrument and current NMLS status required for a named provider."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider amount base","researcher_record":{"Component":"Provider amount base","Status":"Answered","Claim IDs":"C002, C006","Exact missing evidence / next action":"Fixed statutory amount; no consumer-balance or volume formula found."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider per-office/branch requirement","researcher_record":{"Component":"Provider per-office/branch requirement","Status":"Answered with NMLS qualification","Claim IDs":"C006","Exact missing evidence / next action":"Confirm licensing structure if a provider has separately licensed legal entities or unusual branches."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider bond payee and conditions","researcher_record":{"Component":"Provider bond payee and conditions","Status":"Answered textually","Claim IDs":"C003","Exact missing evidence / next action":"Actual electronic form needed for procedural and supplemental terms."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider surety authorization standard","researcher_record":{"Component":"Provider surety authorization standard","Status":"Partial","Claim IDs":"C003, C007","Exact missing evidence / next action":"Retrieve rendered NMLS form and surety eligibility requirements; statute only says adequate security."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider cash/CD/government-bond alternatives","researcher_record":{"Component":"Provider cash/CD/government-bond alternatives","Status":"Answered textually","Claim IDs":"C004","Exact missing evidence / next action":"Retrieve deposit form, custody, valuation, maturity, substitution, release, and liquidation rules."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider alternative interest/earnings","researcher_record":{"Component":"Provider alternative interest/earnings","Status":"Answered","Claim IDs":"C004","Exact missing evidence / next action":"Actual deposit account terms remain provider-specific."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Unlisted provider alternatives","researcher_record":{"Component":"Unlisted provider alternatives","Status":"Not established","Claim IDs":"C005","Exact missing evidence / next action":"Locate any later order, rule, or form before recognizing LOC, guaranty, fidelity, or self-insurance."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Consumer agreement bond disclosure","researcher_record":{"Component":"Consumer agreement bond disclosure","Status":"Answered","Claim IDs":"C009","Exact missing evidence / next action":"Full agreement audit remains excluded."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Consumer action against provider","researcher_record":{"Component":"Consumer action against provider","Status":"Answered","Claim IDs":"C010","Exact missing evidence / next action":"Full pleading, defenses, forum, arbitration, limitation, and collection analysis remains later."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"State provider-bond enforcement","researcher_record":{"Component":"State provider-bond enforcement","Status":"Answered textually","Claim IDs":"C011, C012","Exact missing evidence / next action":"Obtain actual agency orders, surety notices, collection procedure, and priority."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Consumer direct action against provider surety","researcher_record":{"Component":"Consumer direct action against provider surety","Status":"Unresolved","Claim IDs":"C013, C014","Exact missing evidence / next action":"Obtain rendered form; research current § 11-1-25 application, joinder, finality, standing, and Chapter 22 cases/orders."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Judgment prerequisite","researcher_record":{"Component":"Judgment prerequisite","Status":"Partial","Claim IDs":"C003, C013","Exact missing evidence / next action":"The judgment-payment condition is clear; whether faithful-performance language permits an earlier direct claim remains unresolved."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Costs and attorney fees under bond","researcher_record":{"Component":"Costs and attorney fees under bond","Status":"Unresolved","Claim IDs":"C010, C016","Exact missing evidence / next action":"Read form and controlling surety decisions addressing statutory judgment components."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider liability above $50,000","researcher_record":{"Component":"Provider liability above $50,000","Status":"Answered as general boundary","Claim IDs":"C015","Exact missing evidence / next action":"Actual judgment and bond defenses remain case-specific."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Double recovery","researcher_record":{"Component":"Double recovery","Status":"Answered as general boundary","Claim IDs":"C015","Exact missing evidence / next action":"Allocation among provider, surety, processor, and other recoveries remains case-specific."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider ESB filing medium","researcher_record":{"Component":"Provider ESB filing medium","Status":"Answered","Claim IDs":"C007","Exact missing evidence / next action":"Actual company record not read."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider bond continuity","researcher_record":{"Component":"Provider bond continuity","Status":"Answered at procedural level","Claim IDs":"C007, C008","Exact missing evidence / next action":"Retrieve actual cancellation clause and bond status history."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider cancellation notice period","researcher_record":{"Component":"Provider cancellation notice period","Status":"Unresolved","Claim IDs":"C018","Exact missing evidence / next action":"Read rendered Mississippi ESB form or official form specification."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider accrued-liability tail","researcher_record":{"Component":"Provider accrued-liability tail","Status":"Unresolved","Claim IDs":"C018","Exact missing evidence / next action":"Same; do not import money-transmitter or consumer-loan-broker terms."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider replacement/reduction","researcher_record":{"Component":"Provider replacement/reduction","Status":"Unresolved","Claim IDs":"C007, C018","Exact missing evidence / next action":"Read form, NMLS state requirements, riders, and DBCF orders."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider claim deadline","researcher_record":{"Component":"Provider claim deadline","Status":"Unresolved","Claim IDs":"C018","Exact missing evidence / next action":"Full limitation/form analysis later."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider aggregate/per-consumer limit","researcher_record":{"Component":"Provider aggregate/per-consumer limit","Status":"Partial","Claim IDs":"C002, C015, C018","Exact missing evidence / next action":"Face amount verified; cumulative, annual, occurrence, per-consumer, and reinstatement terms require form/cases."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Multiple consumer claims","researcher_record":{"Component":"Multiple consumer claims","Status":"Unresolved allocation","Claim IDs":"C018","Exact missing evidence / next action":"Determine form aggregate, claim dates, interpleader, and priority."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"State versus consumer priority","researcher_record":{"Component":"State versus consumer priority","Status":"Unresolved","Claim IDs":"C011, C018","Exact missing evidence / next action":"Obtain form, agency practice, and controlling law."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider insolvency and bond distribution","researcher_record":{"Component":"Provider insolvency and bond distribution","Status":"Excluded/open beyond narrow security finding","Claim IDs":"C018","Exact missing evidence / next action":"Full bankruptcy, receivership, subrogation, guaranty-association, and bond-claim pass."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor functional definition","researcher_record":{"Component":"Processor functional definition","Status":"Answered textually","Claim IDs":"C019","Exact missing evidence / next action":"Apply to actual processor contract and technical permissions."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor notice and calculation data","researcher_record":{"Component":"Processor notice and calculation data","Status":"Answered","Claim IDs":"C020, C021","Exact missing evidence / next action":"Obtain actual notice and highest-daily-funds reports."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor bond amount","researcher_record":{"Component":"Processor bond amount","Status":"Answered","Claim IDs":"C020","Exact missing evidence / next action":"Actual number of licensee-clients required."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor issuer authorization","researcher_record":{"Component":"Processor issuer authorization","Status":"Answered","Claim IDs":"C022","Exact missing evidence / next action":"Verify actual issuer authorization and bond."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor substitute assets","researcher_record":{"Component":"Processor substitute assets","Status":"Partial","Claim IDs":"C023","Exact missing evidence / next action":"Obtain form or DBCF interpretation on amount, asset types, valuation, title, and release."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor pre-use DBCF confirmations","researcher_record":{"Component":"Processor pre-use DBCF confirmations","Status":"Answered","Claim IDs":"C024","Exact missing evidence / next action":"Obtain actual confirmations for a named processor."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor contract termination notice","researcher_record":{"Component":"Processor contract termination notice","Status":"Answered","Claim IDs":"C025","Exact missing evidence / next action":"Consumer notice, migration, bond cancellation, and tail remain open."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Provider-deposit processor waiver","researcher_record":{"Component":"Provider-deposit processor waiver","Status":"Answered textually","Claim IDs":"C026","Exact missing evidence / next action":"Determine whether provider deposit responds to processor-caused loss."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor bond beneficiary/claimant","researcher_record":{"Component":"Processor bond beneficiary/claimant","Status":"Unresolved","Claim IDs":"C027","Exact missing evidence / next action":"Retrieve current processor bond form and formal interpretation."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor direct consumer claim","researcher_record":{"Component":"Processor direct consumer claim","Status":"Unresolved","Claim IDs":"C027","Exact missing evidence / next action":"Same, plus private-action and agency analysis."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor aggregate/cancellation/tail","researcher_record":{"Component":"Processor aggregate/cancellation/tail","Status":"Unresolved","Claim IDs":"C027","Exact missing evidence / next action":"Same."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Processor NMLS filing","researcher_record":{"Component":"Processor NMLS filing","Status":"Unresolved","Claim IDs":"C029","Exact missing evidence / next action":"Determine whether DBCF handles processor security outside NMLS and obtain filing instructions."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Automatic provider/processor bond stacking","researcher_record":{"Component":"Automatic provider/processor bond stacking","Status":"Rejected as unsupported","Claim IDs":"C028","Exact missing evidence / next action":"Each coverage and claimant route must be independently established."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"DBCF consumer complaint route","researcher_record":{"Component":"DBCF consumer complaint route","Status":"Answered","Claim IDs":"C017","Exact missing evidence / next action":"Not a substitute for bond claim or judgment."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Current public provider bond form","researcher_record":{"Component":"Current public provider bond form","Status":"Not recovered","Claim IDs":"C035","Exact missing evidence / next action":"Obtain rendered NMLS form through an authorized public release or public-record source; no account or permission changes undertaken."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Current NMLS Debt Management checklist","researcher_record":{"Component":"Current NMLS Debt Management checklist","Status":"Not recovered","Claim IDs":"C035","Exact missing evidence / next action":"Recheck when NMLS exposes a downloadable public checklist through a normal route."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Public provider/processor claim instructions","researcher_record":{"Component":"Public provider/processor claim instructions","Status":"Not recovered","Claim IDs":"C035","Exact missing evidence / next action":"Search future DBCF guidance, enforcement orders, or public forms."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Chapter 22 bond decisions","researcher_record":{"Component":"Chapter 22 bond decisions","Status":"No reported merits decision located in bounded search","Claim IDs":"C036","Exact missing evidence / next action":"Paid citator, state trial files, federal dockets, bankruptcy matters, and unpublished orders remain later."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Separate money-transmitter security formula","researcher_record":{"Component":"Separate money-transmitter security formula","Status":"Answered conditionally","Claim IDs":"C030, C031","Exact missing evidence / next action":"Apply only after entity/activity/exemption/delegate analysis."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Money-transmitter direct claimant route","researcher_record":{"Component":"Money-transmitter direct claimant route","Status":"Answered conditionally","Claim IDs":"C032","Exact missing evidence / next action":"Actual coverage, claim timeliness, bond capacity, and entity status required."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Money-transmitter cancellation/accrued liabilities","researcher_record":{"Component":"Money-transmitter cancellation/accrued liabilities","Status":"Answered conditionally","Claim IDs":"C033","Exact missing evidence / next action":"Does not govern Chapter 22 instruments."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Stale DBCF MT application amount","researcher_record":{"Component":"Stale DBCF MT application amount","Status":"Resolved in favor of enacted text","Claim IDs":"C034","Exact missing evidence / next action":"DBCF should be rechecked before operational use, but $25,000 webpage floor is not relied upon."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Actual provider/processor/bank/surety security","researcher_record":{"Component":"Actual provider/processor/bank/surety security","Status":"Unresolved","Claim IDs":"C037","Exact missing evidence / next action":"Search by exact legal name and NMLS ID and retrieve the actual public regulator record and instrument data."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Full MCPA, contract, tort, arbitration, remedies, and limitations","researcher_record":{"Component":"Full MCPA, contract, tort, arbitration, remedies, and limitations","Status":"Excluded/open","Claim IDs":"None cleared","Exact missing evidence / next action":"Later pass."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Full funds, agreement, fee, and account analysis","researcher_record":{"Component":"Full funds, agreement, fee, and account analysis","Status":"Excluded/preserved","Claim IDs":"Prior IDs","Exact missing evidence / next action":"No implication from this security pass."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"FTC-regulated meaning, settlement approval, DMP-as-settlement, indirect control, and one-debt/full-fee questions","researcher_record":{"Component":"FTC-regulated meaning, settlement approval, DMP-as-settlement, indirect control, and one-debt/full-fee questions","Status":"Unchanged and unresolved","Claim IDs":"Prior P1/P2 IDs","Exact missing evidence / next action":"No implication from this pass."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Collection, secured/sector debt, local, tribal, country, and parent dimensions","researcher_record":{"Component":"Collection, secured/sector debt, local, tribal, country, and parent dimensions","Status":"Excluded/open","Claim IDs":"None cleared","Exact missing evidence / next action":"Later components."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."},{"topic":"Component, state, parent, A066, operational, or publication acceptance","researcher_record":{"Component":"Component, state, parent, A066, operational, or publication acceptance","Status":"Not given","Claim IDs":"Entire table","Exact missing evidence / next action":"All preserved gaps remain required."},"coordinator_acceptance":"security_component_scoped_reviewed_all_original_form_currentness_and_application_holds_retained","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:35:24.879849+00:00","coordinator_review_note":"All55coveragecells read; unresolved/partial/excluded dimensions remain open. No state/parent/A066/operational/publicationacceptance."}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_MS-P4-scoped-review-20261029-parallel","status":"reviewed_with_currentness_form_beneficiary_and_application_holds","at":null}]}