{"meta":{"key":"s_mt--pass-02","task":"S_MT","title":"SMT Focused precision correction and current-rule/scope addendum","parent_title":"Montana debt and debt relief law","edition":"pass-02","path":"/research/s_mt--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":13,"sources":15,"review_status":"accepted_with_limits","review_complete":true,"sha256":"0b9492d7e96cc86d84a3183f6dbac45d1a7fa7b121f4b02686371ef0e037340a","headings":["A. Exact federal replacements and corrected source labels","1. Replacement for PASS-01 paragraph 5 and claim C025","2. Replacement qualification for C026 — dedicated accounts","3. Replacement for the credit-repair paragraph and C027","4. Replacement authority labels for PASS-01 S015 and S016","B. Current ARM rule and standalone-counseling resolution","B1. ARM 23.19.1005 — qualified current-rule conclusion","B2. Exceptional circumstances, waivers, and indexing","B3. ARM 23.19.1001 — current $1,000 government license fee","B4. Standalone counseling versus licensed DMP activity","Minimal ARM version and status matrix","C. Small operational-route qualifications","C1. DOJ provider procedure page","C2. OCP-801 debt-settlement checklist","C3. Public lookup route","Focused PASS-02 source register","Focused PASS-02 claim table","Boundary-only corrections to preserved examples","Focused coverage and gap table","Researcher self-check","Freshly accessed or refreshed in PASS-02","Supplied or reused without being reclassified as fresh PASS-01 access","Failed or access-limited routes","Not read or resolved"],"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_MT/pass-02","facets":{"geography":["us","us-mt"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederal/sourceauthorityprecisionandremainingofficialcurrentARM1001/1005andstandalonecounselingscopereconciliation;nofullPart21/statereport/examplesrerun","pending_corrections":0},"markdown":"# S_MT PASS-02 — Focused precision correction and current-rule/scope addendum\n\n**Actual access date:** October 24, 2026, Pacific\n**Actual model/mode:** GPT-5.6 Sol Pro, regular Chat\n**Relationship to PASS-01:** Focused correction to the two saved PASS-01 responses. The composite remains derivative, not a new Montana report and not an independent review. All unaffected PASS-01 findings, tables, examples, limitations, and deferred categories remain preserved.\n\n## A. Exact federal replacements and corrected source labels\n\n### 1. Replacement for PASS-01 paragraph 5 and claim C025\n\nFor a transaction actually covered by the Telemarketing Sales Rule’s debt-relief provision, the seller or telemarketer may not request or receive a fee until **all** applicable conditions in 16 CFR §310.4(a)(5)(i)(A)–(C) have been met:\n\n1. At least one enrolled debt has been renegotiated, settled, reduced, or otherwise altered under a settlement agreement, debt management plan, or comparable valid contract **executed by the customer**.\n2. The customer has made at least one payment pursuant to that agreement **between the customer and the creditor or debt collector**.\n3. When debts are resolved individually, the fee satisfies one of the rule’s two allocation methods:The fee has the same proportional relationship to the total contracted fee as that debt’s enrollment balance has to the entire enrollment balance; orThe fee is a percentage of savings, the percentage remains constant among debts, and savings are measured from the enrollment balance against the amount actually paid to satisfy that debt.\n\nA creditor’s offer alone does not meet these requirements. Neither the customer’s continued ownership or custody of money nor a deposit into a dedicated account establishes that the provider earned a fee. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\n**Corrected imported claim:**\n\n**P1 C025:** Covered TSR debt-relief fees require a customer-executed valid settlement agreement, debt management plan, or comparable agreement; at least one customer payment under that customer-creditor or customer-debt-collector agreement; and, for individually resolved debts, full compliance with the proportional-enrollment-balance or constant-percentage-of-savings allocation conditions.\n\nThis is conditional federal context only. PASS-02 does not determine that the TSR covers every Montana transaction, seller, telemarketer, inbound call, outbound call, attorney arrangement, nonprofit arrangement, or other business model.\n\n### 2. Replacement qualification for C026 — dedicated accounts\n\nSection 310.4(a)(5)(ii) does not treat a deposit as an earned service fee. Its dedicated-account allowance is conditioned on all of the following:\n\n- The account is maintained at an insured financial institution.\n- The customer owns the funds and receives any accrued interest.\n- The account administrator is not owned, controlled by, or affiliated with the debt-relief service.\n- The administrator neither gives nor accepts compensation for debt-relief referrals.\n- The customer may withdraw from the service without penalty and must receive all account funds other than fees already earned in compliance with §310.4(a)(5)(i)(A)–(C), within seven business days of requesting withdrawal.\n\nThus, customer account ownership, a payment into the account, or a transfer to the administrator does not independently satisfy the service-performance conditions. Federal coverage and every account condition remain transaction-specific holds. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\n### 3. Replacement for the credit-repair paragraph and C027\n\nFor telemarketed goods or services represented as removing derogatory information or improving a person’s credit history, record, or rating, §310.4(a)(2) prohibits requesting or receiving payment until **both** conditions occur:\n\n1. The represented period for providing **all** promised goods or services has expired.\n2. The seller has furnished the person a consumer report from a consumer reporting agency demonstrating the promised results, and that report was issued more than six months after those results were achieved.\n\nThe rule also preserves the Fair Credit Reporting Act requirement that a consumer report may be obtained only for a permissible purpose. This is a distinct fee-timing branch; it is not satisfied merely by performing debt settlement, obtaining a creditor concession, or waiting six months from enrollment. PASS-02 does not determine actual TSR credit-repair coverage or CROA coverage. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\nThe eCFR was freshly refreshed for PASS-02 and displayed Title 16 as current through October 22, 2026. That fresh access is separately identified below; it does not retroactively change PASS-01’s source-access history or turn the same coordinator’s prior Oregon review into independent review. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\n### 4. Replacement authority labels for PASS-01 S015 and S016\n\nReplace only the issuer labels as follows:\n\n- **PASS-01 S015:** *Montana Department of Administration, Banking and Financial Institutions Division — division overview.*\n- **PASS-01 S016:** *Montana Department of Administration, Banking and Financial Institutions Division — Enforcement Actions.*\n\nThese are not Montana Department of Justice Banking Division sources. The Department of Administration page describes BFID’s oversight of state-chartered depository institutions and licensed financial-service providers. The enforcement page is an index containing, among other matters, mortgage licensing cases. No underlying order, case record, citator, or exhaustive enforcement history was read for this correction. Neither page replaces the Department of Justice Office of Consumer Protection’s role under Parts 20 and 21. [Montana Banking+1](https://banking.mt.gov/BFID/)\n\n## B. Current ARM rule and standalone-counseling resolution\n\n### B1. ARM 23.19.1005 — qualified current-rule conclusion\n\nThe recovered primary rulemaking chain establishes the following:\n\n- In December 2005, proposed New Rule V contained the four provisions reproduced in PASS-01: a $75 initial consultation ceiling; a monthly ceiling equal to the lower of $50 or 15% of the monthly payment; aggregation of all one-time and recurring charges into those categories regardless of label; and a requirement that fees for unrelated services be reasonable and not tied to counseling or debt management. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561)\n- The January 26, 2006 adoption notice adopted New Rules I through V as proposed, with stated changes only to Rules I and III. Rule V therefore was adopted without a stated textual change. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392)\n- The earlier August 2005 proposal, MAR Notice 2-61-167, was expressly not enacted. Its proposed figures are not current law and are excluded from this analysis. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561)\n- The February 2006 transfer notice mapped former ARM 2.61.1005 to ARM 23.19.1005. The underlying agency transfer authorized by HB 425 was effective July 1, 2005; the later ARM publication and renumbering should not be conflated with that substantive agency-transfer date. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392)\n- The current official Montana rules portal identifies ARM 23.19.1005 as **Effective**, but its current rule-body route returned HTTP 405 to the browsing tool. [Montana Administrative Rules](https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com)\n- A freshly read secondary current compilation reproduces the same four clauses and records the original effective and transfer history. [Legal Information Institute](https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005)\n\n**Result:** PASS-01 C017–C019 may be upgraded from merely provisional to **high-confidence, qualified currentness**. The $75, lower-of-$50-or-15%, and anti-relabeling provisions are supported by the official adoption chain, the current official portal’s “Effective” status, and a matching current secondary reproduction. The remaining qualification is that the complete current rule body was not directly retrievable from the official portal in PASS-02.\n\nThis does not amount to operational or publication acceptance, and it does not establish that no later material exists outside the retrieved rule history.\n\n### B2. Exceptional circumstances, waivers, and indexing\n\nMCA §30-14-2010(4)(d) provides that, absent “exceptional circumstances” defined in department rules, the total monthly fee may not exceed the rule-established amount. The retrieved text of ARM 23.19.1005 itself contains no exceptional-circumstances definition. No verified current separate rule defining that term was recovered through the current official portal searches conducted in this focused pass. [Montana Code Annotated+1](https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html)\n\nAccordingly:\n\n- PASS-02 does **not** conclude that an exception does not exist.\n- It does **not** authorize an above-cap charge.\n- It does **not** infer a waiver, CPI escalator, or indexed amount.\n- No exceptional-circumstances example may be modeled until the applicable definition, approval process, or controlling interpretation is located and read.\n\nThe exact exception remains an affirmative gap, rather than a reason to discard the otherwise supported ordinary $75 and monthly fee limits.\n\n### B3. ARM 23.19.1001 — current $1,000 government license fee\n\nThe official 2009 proposal sought to reduce the annual consumer-debt-management license fee from $5,000 to $1,000, payable by February 1. The final notice says the rule was amended as proposed. The current official Montana rules search rendering states $1,000, payable annually on or before February 1, and records an effective date of July 17, 2009. [Montana SOS+3](https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548)\n\n**Corrected C022 status:** The $1,000 annual government license fee and February 1 deadline are now supported by the final adoption chain and current official rule rendering. Direct opening of the current rule-body URL still returned HTTP 405, so the access-format limitation remains, but the amount is no longer held merely because the operational DOJ page was the only support.\n\nThe $1,000 is a provider licensing charge. It is not established as a consumer pass-through fee.\n\n### B4. Standalone counseling versus licensed DMP activity\n\nThe 2006 adoption response stated that the rules applied only to consumer-debt-management operations as defined in the code and that a license was unnecessary when a person provided only credit counseling. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392)\n\nThat response can be reconciled with the current statutory text without treating it as a universal counseling exemption:\n\n- Section 30-14-2002(1) makes Part 20 applicable to a person providing or offering debt management plans to Montana residents.\n- Section 30-14-2003(2) defines a “credit counseling service” as a person providing or offering DMP services for consideration.\n- A DMP is the written arrangement under which the service receives consumer money for creditor distribution.\n- Once an entity fits the defined “credit counseling service” category, §30-14-2004(1) bars it from providing or offering DMPs **or other consumer credit-counseling services** to Montana consumers without a license. [Montana Code Annotated+2](https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html)\n\n**Bounded reconciliation:** An entity genuinely providing only standalone education or counseling, without providing, offering, or holding itself out as offering a DMP and without receiving consumer funds for creditor distribution, appears outside Part 20’s defined DMP-provider entry point. But the 2006 response is not a blanket safe harbor for:\n\n- An entity that also provides or offers DMPs.\n- Counseling delivered by or through a licensed-category DMP provider.\n- An affiliate structure designed to separate counseling nominally from DMP operations.\n- A provider whose marketing, intake, referral, compensation, or fund-handling facts establish DMP activity.\n\nNo controlling current Montana interpretation or decision resolving those edge cases was verified. PASS-01 C006 should therefore be narrowed rather than deleted.\n\n## Minimal ARM version and status matrix\n\n| Instrument | Actual examined portion | Status and consequence |\n| --- | --- | --- |\n| MAR Notice 2-61-167, August 2005 | Official decision at printed p.2452/PDF index 82 | Proposed rules were expressly not enacted. Excluded from current-fee analysis. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561) |\n| MAR Notice 2-61-175, December 2005 | Printed pp.2373–2375/PDF indices 3–5 | Proposed New Rule V contained the $75, lower-of-$50-or-15%, aggregation, and unrelated-services clauses. Proposal alone was not treated as final law. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561) |\n| 2006 MAR Issue 2 adoption | Printed pp.207–209/PDF indices 97–99 | Rules I–V adopted; stated changes were limited to I and III, leaving Rule V as proposed. Adoption history supports January 27, 2006 effective date. Response 5 supplied the counseling-only interpretation. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392) |\n| 2006 MAR Issue 3 transfer | Printed pp.322–323/PDF indices 52–53 | Renumbered 2.61.1001–1005 as 23.19.1001–1005. The July 1, 2005 agency transfer and February 2006 ARM transfer publication are distinct events. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392) |\n| Current ARM 23.19.1005 route | Official current rules portal | Portal labels rule “Effective”; direct rule body returned 405. Current exact body therefore remains official-direct-access qualified. [Montana Administrative Rules](https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com) |\n| Current secondary ARM 23.19.1005 | Full four-clause rule and history | Matches the adopted primary text; updated quarterly. Secondary corroboration, not a substitute for the inaccessible official current body. [Legal Information Institute](https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005) |\n| 2009 ARM 23.19.1001 proposal and final notice | Printed pp.810–811 and p.1166 | Proposed reduction to $1,000 and final adoption as proposed. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548) |\n| Current ARM 23.19.1001 rendering | Official current rules search result | $1,000 annually by February 1; rule history reports effective July 17, 2009. Direct body returned 405. [Montana Administrative Rules+1](https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com) |\n| MCA §30-14-2010(4)(d) | Official 2025 code | Preserves an exceptional-circumstances branch defined by rules; the operative definition was not recovered in this pass. [Montana Code Annotated](https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html) |\n\n## C. Small operational-route qualifications\n\n### C1. DOJ provider procedure page\n\nThe direct DOJ provider-procedure URL continued to return HTTP 403. The official search rendering nevertheless identifies the page and reports, among other operational information, annual debt-management license expiration on February 1 and debt-settlement registration with a $250 filing charge. [Montana Department of Justice](https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/?utm_source=chatgpt.com)\n\nThe preserved coordinator rendering additionally recorded the settlement January 31 expiration and January remittance/renewal instructions. Those details remain **supplied/reused search-rendered operational material**, not a freshly opened application page, statutory effective date, or provider approval. The displayed page-update or search-index date is not treated as legal effectiveness.\n\n### C2. OCP-801 debt-settlement checklist\n\nThe complete eight-page parsed form was available and the materially relevant fields were read:\n\n- C2 asks whether the applicant uses lead generators and requests identifying and contractual-control information.\n- D8 requests all fees and charges used with Montana consumers, including charges involving third-party designees.\n- D10 requests advertisements made by the provider or others, including lead generators acting on its behalf. [Montana Department of Justice](https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf)\n\nThese are application information requests, not statutory safe harbors. The form’s “Licensing Application” title, shorthand, older revision date, refund abbreviation, or other form language does not displace Part 21’s registration terminology or operative statutory text. No conclusion is drawn that a disclosed lead generator, designee fee, advertisement, or affiliated law firm is lawful merely because the form asks about it.\n\n### C3. Public lookup route\n\nThe official DOJ “Debt Relief” page remained inaccessible by direct opening, but its official search rendering identifies both a **Licensed Debt Management Companies** section and a **Registered Debt Settlement Companies** section. That narrows PASS-01’s route gap: an official list route exists. [Montana Department of Justice+1](https://dojmt.gov/office-of-consumer-protection/debt-relief/?utm_source=chatgpt.com)\n\nIt does not establish:\n\n- That the search-rendered list was successfully opened live on October 24, 2026.\n- That every displayed row was checked.\n- That any particular provider remains licensed or registered.\n- That older 2018 or 2019 PDF leads establish 2026 status.\n\nPASS-01 C028 remains correct as a methodological claim: existence of a procedure or indexed list is not proof of a named provider’s present authorization.\n\n## Focused PASS-02 source register\n\n| PASS-02 source ID | Authority and direct literal URL | Actual access classification, pinpoint, and limitation |\n| --- | --- | --- |\n| **S_MT-P2-S001** | eCFR, 16 CFR §310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | **Fresh direct read.** §310.4(a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E); Title 16 displayed through October 22, 2026. Federal coverage and exemptions not resolved. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) |\n| **S_MT-P2-S002** | Montana Administrative Register 2005 Issue 23. https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561 | **Fresh primary PDF read, bounded pages only.** Printed pp.2373–2375 and 2452; New Rule V proposal and express nonenactment of earlier 2-61-167. No claim that all 119 pages were substantively reviewed. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561) |\n| **S_MT-P2-S003** | Montana Administrative Register 2006 Issue 2. https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392 | **Fresh primary PDF read, bounded pages only.** Printed pp.207–209; adoption, changes to Rules I/III, and Response 5. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392) |\n| **S_MT-P2-S004** | Montana Administrative Register 2006 Issue 3. https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392 | **Fresh primary PDF read, bounded pages only.** Printed pp.322–323; agency transfer and rule-number mapping. [Montana SOS+1](https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392) |\n| **S_MT-P2-S005** | Montana Administrative Register 2009 Issue 10. https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548 | **Fresh primary PDF read, bounded pages only.** Printed pp.810–811; proposal to reduce ARM 23.19.1001 fee to $1,000. Proposal not treated alone as final. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548) |\n| **S_MT-P2-S006** | Montana Administrative Register 2009 Issue 13. https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548 | **Fresh primary PDF read, bounded page only.** Printed p.1166; amendment adopted as proposed, certified July 6, 2009. [Montana SOS](https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548) |\n| **S_MT-P2-S007** | Current official ARM 23.19.1001. https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59 | **Fresh official search-rendered text; direct fetch failed 405.** Current $1,000/February 1 text; official history reports July 17, 2009 effective date. [Montana Administrative Rules+1](https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com) |\n| **S_MT-P2-S008** | Current official ARM 23.19.1005 page. https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b | **Fresh official search-rendered status; direct fetch failed 405.** Portal identifies the rule as “Effective”; current official rule body was not recovered. [Montana Administrative Rules](https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com) |\n| **S_MT-P2-S009** | Cornell LII reproduction of ARM 23.19.1005. https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005 | **Fresh secondary full-text read.** All four clauses and rule history; quarterly secondary compilation, not current primary verification by itself. [Legal Information Institute](https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005) |\n| **S_MT-P2-S010** | Montana Code Annotated 2025, §§30-14-2002, 2003, 2004, and 2010. https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0020/0300-0140-0200-0020.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0040/0300-0140-0200-0040.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html | **Fresh direct official read.** Scope, definitions, licensing language, written-plan fee prerequisites, exceptional-circumstances reference. 2025 codification is not a complete post-2025 session-law audit. [Montana Code Annotated+3](https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html) |\n| **S_MT-P2-S011** | Montana DOJ, Debt Management and Debt Settlement Businesses. https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/ | **Fresh search-only; direct fetch failed 403.** Operational fee/expiration route; not live application approval or statutory authority. Preserved coordinator details beyond the fresh snippet remain supplied/reused. [Montana Department of Justice](https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/?utm_source=chatgpt.com) |\n| **S_MT-P2-S012** | Montana DOJ Form OCP-801, Debt Settlement Application and Registration Checklist, rev. 02/19. https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf | **Fresh direct parsed-PDF review.** Eight pages available; materially relied-on C2, D8, and D10 at form pp.2–4. No current-version or pixel audit. [Montana Department of Justice+1](https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf) |\n| **S_MT-P2-S013** | Montana DOJ, Debt Relief. https://dojmt.gov/office-of-consumer-protection/debt-relief/ | **Fresh official search-only; direct fetch failed 403.** Search rendering identifies DMP and settlement-company list sections; no complete row or named-provider verification. [Montana Department of Justice+1](https://dojmt.gov/office-of-consumer-protection/debt-relief/?utm_source=chatgpt.com) |\n| **S_MT-P2-S014** | Montana Department of Administration, Banking and Financial Institutions Division. https://banking.mt.gov/BFID/ | **Fresh direct read.** Correct agency header/footer and selected mission/licensing context only. Not Part 20/21 OCP authority. [Montana Banking](https://banking.mt.gov/BFID/) |\n| **S_MT-P2-S015** | Montana Department of Administration, BFID Enforcement Actions. https://banking.mt.gov/BFID/enforcement-actions | **Fresh direct index read.** Correct agency label; selected mortgage entries visible. No underlying order, case, or citator read. [Montana Banking](https://banking.mt.gov/BFID/enforcement-actions) |\n\n## Focused PASS-02 claim table\n\n| PASS-02 claim ID | Imported alias | Corrected or added assertion | Sources and confidence limit |\n| --- | --- | --- | --- |\n| **S_MT-P2-C001** | P1 C025 | For covered debt-relief telemarketing, a fee requires a customer-executed valid resolution agreement, a customer payment under that customer-creditor/debt-collector agreement, and all applicable allocation conditions. An offer or deposit alone is insufficient. | S001 §310.4(a)(5)(i)(A)–(C). **High, conditional on federal coverage.** |\n| **S_MT-P2-C002** | P1 C026 | A qualifying dedicated account must satisfy all five federal account conditions; a deposit does not constitute an earned provider fee. | S001 §310.4(a)(5)(ii)(A)–(E). **High, conditional on federal coverage and actual account facts.** |\n| **S_MT-P2-C003** | P1 C027 | Credit-improvement fee timing requires expiration of the represented period for all promised services and a qualifying CRA report issued more than six months after demonstrated results, subject to the FCRA permissible-purpose proviso. | S001 §310.4(a)(2). **High, conditional on coverage; CROA held.** |\n| **S_MT-P2-C004** | P1 S015/S016 labels | S015 and S016 are Montana Department of Administration BFID sources, not Montana DOJ Banking Division sources. | S014–S015. **High for issuer labels only.** |\n| **S_MT-P2-C005** | P1 C017 | The ordinary initial consultation fee or donation ceiling is $75. | S002–S003, S008–S009. **High-confidence qualified currentness; official current body not directly fetched.** |\n| **S_MT-P2-C006** | P1 C018 | The ordinary monthly maintenance ceiling is the lower of $50 or 15% of the monthly payment. | S002–S003, S008–S010. **High-confidence qualified currentness; exceptional branch unresolved.** |\n| **S_MT-P2-C007** | P1 C019 | One-time and recurring charges cannot evade their respective fee categories by being renamed; unrelated-service fees must be reasonable and untied to counseling/DMP services. | S002–S003, S008–S009. **High-confidence qualified currentness.** |\n| **S_MT-P2-C008** | P1 C022 | The current annual DMP government license fee is $1,000, due on or before February 1; the reduction became effective July 17, 2009. | S005–S007. **High; direct current body fetch failed, but official current rendering and final history agree.** |\n| **S_MT-P2-C009** | P1 C020 affected boundary | Section 2010(4)(d) preserves an exceptional-circumstances branch defined by rules, but the operative definition was not recovered; no above-cap fee may be modeled from the present record. | S008–S010. **Unresolved definition; no waiver or indexing inferred.** |\n| **S_MT-P2-C010** | P1 C006 | A person providing or offering DMP services for consideration is within the defined credit-counseling-service category and needs a license for its DMPs and other consumer counseling. A genuine counseling-only provider appears outside that entry point, but no universal safe harbor is established. | S003 Response 5; S010 §§2002–2004. **Moderate-high textual reconciliation; current interpretation and edge cases held.** |\n| **S_MT-P2-C011** | P1 C028 | An official DOJ route identifies both licensed DMP and registered settlement-company lists, but existence of the route does not prove a named provider’s current authorization. | S011, S013. **High methodological conclusion; live list and rows unverified.** |\n| **S_MT-P2-C012** | P1 C024; related C015 | OCP-801 requests lead-generator, third-party-fee, and advertising information; those questions are application disclosures, not safe harbors. | S012 C2, D8, D10. **High for form content; legal effect remains statutory.** |\n| **S_MT-P2-C013** | P1 operational S010 qualification | DOJ’s indexed provider page supports an operational route for DMP licensing and settlement registration, but page metadata and snippets do not supply statutory effective dates or current applicant approval. | S011. **Operational/search-only.** |\n\n## Boundary-only corrections to preserved examples\n\n**Example 3:** All preserved arithmetic remains unchanged. Debt B’s $900 becomes potentially requestable only after Debt B has a customer-executed valid agreement, the customer makes at least one payment under that customer-creditor or customer-debt-collector agreement, and the same compliant allocation method remains in use. If Debt B has only a creditor offer, the preserved result remains $600 potentially earned for Debt A—assuming Debt A met every condition—and $2,400 still contingent. A dedicated-account deposit does not change that result.\n\n**Example 4:** The $36 ordinary monthly ceiling, $40 combined recurring charges, and $4 excess remain arithmetically correct under the retrieved rule. The evidentiary support for the ordinary rule is stronger after PASS-02, but no exceptional-circumstances adjustment is modeled. The separate $75 initial ceiling is not silently deducted from the same $240 monthly payment and does not authorize a combined-cycle fee.\n\nNo other worked example is changed.\n\n## Focused coverage and gap table\n\n| Affected component | PASS-02 disposition | Claim IDs | Remaining exact gap or next investigation |\n| --- | --- | --- | --- |\n| TSR debt-relief agreement trigger | Answered conditionally and corrected | P2-C001 | Determine actual TSR coverage and seller/telemarketer roles for each model. |\n| TSR customer-payment trigger | Answered conditionally and corrected | P2-C001 | Verify payment under the executed customer-creditor/debt-collector agreement, not merely account funding. |\n| TSR proportional allocation | Answered conditionally | P2-C001 | Inspect actual total fee, enrollment balances, debt changes, and allocation consistency. |\n| TSR percentage-of-savings allocation | Answered conditionally | P2-C001 | Verify constant percentage across debts and actual satisfaction amounts. |\n| Dedicated account | Answered conditionally | P2-C002 | Verify insured institution, customer ownership, administrator independence, referral compensation, withdrawal, and seven-business-day return. |\n| TSR credit-repair fee timing | Answered conditionally and corrected | P2-C003 | Determine whether actual representations invoke the provision. |\n| Complete TSR exemptions and coverage | Unresolved | P2-C001–C003 | Read and apply definitions, exemptions, call path, attorney/nonprofit provisions, and seller/telemarketer attribution to the actual model. |\n| CROA | Unresolved | P2-C003 | Read operative definitions, exclusions, advance-payment rule, contract/cancellation terms, and controlling authority. |\n| ARM 23.19.1005 ordinary $75 ceiling | Qualified answered | P2-C005 | Recover the current official rule body or official certified export. |\n| ARM 23.19.1005 ordinary monthly ceiling | Qualified answered | P2-C006 | Same official-body gap; apply only after actual monthly payment and charge facts are known. |\n| ARM anti-relabeling rule | Qualified answered | P2-C007 | Determine treatment of each proposed optional, affiliate, platform, or third-party charge. |\n| Exceptional circumstances | Unresolved | P2-C009 | Locate the current rule definition, application/approval mechanism, or controlling interpretation. |\n| Indexing or automatic adjustment | Unresolved/no adjustment verified | P2-C005–C009 | Search official amendment history and current rules for any later adjustment mechanism; do not calculate CPI. |\n| Current $1,000 DMP license fee | Answered, access-format qualified | P2-C008 | Directly retrieve the official current body when the portal permits; no consumer pass-through established. |\n| Standalone counseling-only activity | Partial, narrowed | P2-C010 | Resolve holding-out, affiliate, compensation, online education, referral, and mixed-service facts; locate current agency or judicial interpretation. |\n| DMP provider’s other counseling | Answered at statutory-text level | P2-C010 | Apply to actual entity and service facts; no entity authorization established. |\n| DOJ operating-procedure page | Partial/search-only | P2-C013 | Directly open the current instructions and verify form/version/renewal details. |\n| Public DMP/settlement lookup route | Route identified; status verification unresolved | P2-C011 | Open the live official list and check a specifically named provider as of the target date. |\n| OCP-801 lead generators | Form content answered; legality unresolved | P2-C012 | Apply Parts 20/21, compensation, advertising, telemarketing, and attribution law to actual relationships. |\n| OCP-801 third-party fees | Form content answered; legality unresolved | P2-C012 | Review actual contracts, fee flows, designees, and statutory/federal limits. |\n| OCP-801 advertisements | Form content answered; legality unresolved | P2-C012 | Review actual creative, scripts, claims, lead sources, credit-repair representations, and filing status. |\n| BFID source labels | Corrected | P2-C004 | No further BFID work in this component unless an actual financial-service model makes it material. |\n| Named provider status | Unresolved | P2-C011 | No partner or provider is approved from snippets, form eligibility, or historic PDFs. |\n| Current complete Part 20/21 rule chapter | Partial | P2-C005–C010 | Retrieve complete official current rules, including any exception, waiver, application, accreditation, bond, and amendment provisions needed in later passes. |\n| All deferred Montana components | Still open/excluded | No new closure | Agreements, custody, funds, bonds, remedies, courts, collections, litigation, limitations, secured debt, sectors, local, tribal, contract, affiliates, and full exemption analysis remain required. |\n\n## Researcher self-check\n\n### Freshly accessed or refreshed in PASS-02\n\n- Current eCFR §310.4, including the complete relevant text of subsections (a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E).\n- The bounded official Montana Register pages for the 2005 proposal and nonenactment notice, the 2006 adoption and transfer notices, and the 2009 proposal and final amendment.\n- Current official MCA §§30-14-2002, 2003, 2004, and 2010.\n- The official current ARM search-rendered entries for 23.19.1001 and 23.19.1005.\n- The secondary current reproduction of ARM 23.19.1005.\n- The OCP-801 parsed PDF, with reliance limited to the specified form fields.\n- The Department of Administration BFID overview and enforcement index.\n- Official DOJ search-rendered provider and debt-relief routes.\n\n### Supplied or reused without being reclassified as fresh PASS-01 access\n\n- The saved PASS-01 composite, all unaffected findings, source and claim registers, examples, arithmetic, and coverage table.\n- The coordinator’s prior Oregon reading of the federal provisions, used only as corroborating reuse after the fresh federal refresh.\n- Search-rendered operational details beyond what the fresh snippets themselves displayed.\n- The coordinator’s preserved table counts, hash checks, and prior full-form parse history.\n\n### Failed or access-limited routes\n\n- The official current ARM 23.19.1001 and 23.19.1005 body routes returned HTTP 405.\n- The direct DOJ provider-procedure and Debt Relief pages returned HTTP 403.\n- No current live provider-list body was opened.\n- No official current exceptional-circumstances definition was recovered.\n\n### Not read or resolved\n\n- A complete current official ARM subchapter body and full amendment history beyond the bounded notices.\n- Complete post-2025 Montana session-law and future-effective-law review.\n- Complete TSR definitions and exemptions.\n- CROA applicability.\n- Named-provider licensing or registration status.\n- Underlying BFID enforcement orders or cases.\n- Montana controlling court decisions, declaratory rulings, and complete agency interpretations.\n- Every expressly deferred state category.\n\nNo independent review, Chrome control, new tab creation, Deep Research, Work mode, API workflow, application filing, regulator contact, purchase, account change, private-data access, local write, provider approval, operational approval, A066 acceptance, parent-dossier acceptance, or publication-readiness determination occurred.\n\n**REPORT PARTIAL — focused PASS-02 corrections completed; all stated holds remain.**\n\nEND S_MT PASS-02\n\n","tables":[{"headers":["Instrument","Actual examined portion","Status and consequence"],"index":0,"links":[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"},{"href":"https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com","text":"Montana Administrative Rules"},{"href":"https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","text":"Legal Information Institute"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS\n+1"},{"href":"https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com","text":"Montana Administrative Rules\n+1"},{"href":"https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html","text":"Montana Code Annotated"}],"row_links":[[],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"}],[{"href":"https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com","text":"Montana Administrative Rules"}],[{"href":"https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","text":"Legal Information Institute"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS\n+1"}],[{"href":"https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com","text":"Montana Administrative Rules\n+1"}],[{"href":"https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html","text":"Montana Code Annotated"}]],"rows":[["Instrument","Actual examined portion","Status and consequence"],["MAR Notice 2-61-167, August 2005","Official decision at printed p.2452/PDF index 82","Proposed rules were expressly not enacted. Excluded from current-fee analysis. \nMontana SOS"],["MAR Notice 2-61-175, December 2005","Printed pp.2373–2375/PDF indices 3–5","Proposed New Rule V contained the $75, lower-of-$50-or-15%, aggregation, and unrelated-services clauses. Proposal alone was not treated as final law. \nMontana SOS"],["2006 MAR Issue 2 adoption","Printed pp.207–209/PDF indices 97–99","Rules I–V adopted; stated changes were limited to I and III, leaving Rule V as proposed. Adoption history supports January 27, 2006 effective date. Response 5 supplied the counseling-only interpretation. \nMontana SOS\n+1"],["2006 MAR Issue 3 transfer","Printed pp.322–323/PDF indices 52–53","Renumbered 2.61.1001–1005 as 23.19.1001–1005. The July 1, 2005 agency transfer and February 2006 ARM transfer publication are distinct events. \nMontana SOS\n+1"],["Current ARM 23.19.1005 route","Official current rules portal","Portal labels rule “Effective”; direct rule body returned 405. Current exact body therefore remains official-direct-access qualified. \nMontana Administrative Rules"],["Current secondary ARM 23.19.1005","Full four-clause rule and history","Matches the adopted primary text; updated quarterly. Secondary corroboration, not a substitute for the inaccessible official current body. \nLegal Information Institute"],["2009 ARM 23.19.1001 proposal and final notice","Printed pp.810–811 and p.1166","Proposed reduction to $1,000 and final adoption as proposed. \nMontana SOS\n+1"],["Current ARM 23.19.1001 rendering","Official current rules search result","$1,000 annually by February 1; rule history reports effective July 17, 2009. Direct body returned 405. \nMontana Administrative Rules\n+1"],["MCA §30-14-2010(4)(d)","Official 2025 code","Preserves an exceptional-circumstances branch defined by rules; the operative definition was not recovered in this pass. \nMontana Code Annotated"]]},{"headers":["PASS-02 source ID","Authority and direct literal URL","Actual access classification, pinpoint, and limitation"],"index":1,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"eCFR"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS\n+1"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS"},{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS"},{"href":"https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com","text":"Montana Administrative Rules\n+1"},{"href":"https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com","text":"Montana Administrative Rules"},{"href":"https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","text":"Legal Information Institute"},{"href":"https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html","text":"Montana Code Annotated\n+3"},{"href":"https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/?utm_source=chatgpt.com","text":"Montana Department of Justice"},{"href":"https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf","text":"Montana Department of Justice\n+1"},{"href":"https://dojmt.gov/office-of-consumer-protection/debt-relief/?utm_source=chatgpt.com","text":"Montana Department of Justice\n+1"},{"href":"https://banking.mt.gov/BFID/","text":"Montana Banking"},{"href":"https://banking.mt.gov/BFID/enforcement-actions","text":"Montana Banking"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","text":"Montana SOS\n+1"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","text":"Montana SOS\n+1"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS"}],[{"href":"https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548","text":"Montana SOS"}],[{"href":"https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com","text":"Montana Administrative Rules\n+1"}],[{"href":"https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com","text":"Montana Administrative Rules"}],[{"href":"https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","text":"Legal Information Institute"}],[{"href":"https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html","text":"Montana Code Annotated\n+3"}],[{"href":"https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/?utm_source=chatgpt.com","text":"Montana Department of Justice"}],[{"href":"https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf","text":"Montana Department of Justice\n+1"}],[{"href":"https://dojmt.gov/office-of-consumer-protection/debt-relief/?utm_source=chatgpt.com","text":"Montana Department of Justice\n+1"}],[{"href":"https://banking.mt.gov/BFID/","text":"Montana Banking"}],[{"href":"https://banking.mt.gov/BFID/enforcement-actions","text":"Montana Banking"}]],"rows":[["PASS-02 source ID","Authority and direct literal URL","Actual access classification, pinpoint, and limitation"],["S_MT-P2-S001","eCFR, 16 CFR §310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Fresh direct read. §310.4(a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E); Title 16 displayed through October 22, 2026. Federal coverage and exemptions not resolved. \neCFR"],["S_MT-P2-S002","Montana Administrative Register 2005 Issue 23. https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","Fresh primary PDF read, bounded pages only. Printed pp.2373–2375 and 2452; New Rule V proposal and express nonenactment of earlier 2-61-167. No claim that all 119 pages were substantively reviewed. \nMontana SOS\n+1"],["S_MT-P2-S003","Montana Administrative Register 2006 Issue 2. https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","Fresh primary PDF read, bounded pages only. Printed pp.207–209; adoption, changes to Rules I/III, and Response 5. \nMontana SOS\n+1"],["S_MT-P2-S004","Montana Administrative Register 2006 Issue 3. https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","Fresh primary PDF read, bounded pages only. Printed pp.322–323; agency transfer and rule-number mapping. \nMontana SOS\n+1"],["S_MT-P2-S005","Montana Administrative Register 2009 Issue 10. https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","Fresh primary PDF read, bounded pages only. Printed pp.810–811; proposal to reduce ARM 23.19.1001 fee to $1,000. Proposal not treated alone as final. \nMontana SOS"],["S_MT-P2-S006","Montana Administrative Register 2009 Issue 13. https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548","Fresh primary PDF read, bounded page only. Printed p.1166; amendment adopted as proposed, certified July 6, 2009. \nMontana SOS"],["S_MT-P2-S007","Current official ARM 23.19.1001. https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59","Fresh official search-rendered text; direct fetch failed 405. Current $1,000/February 1 text; official history reports July 17, 2009 effective date. \nMontana Administrative Rules\n+1"],["S_MT-P2-S008","Current official ARM 23.19.1005 page. https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b","Fresh official search-rendered status; direct fetch failed 405. Portal identifies the rule as “Effective”; current official rule body was not recovered. \nMontana Administrative Rules"],["S_MT-P2-S009","Cornell LII reproduction of ARM 23.19.1005. https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","Fresh secondary full-text read. All four clauses and rule history; quarterly secondary compilation, not current primary verification by itself. \nLegal Information Institute"],["S_MT-P2-S010","Montana Code Annotated 2025, §§30-14-2002, 2003, 2004, and 2010. https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0020/0300-0140-0200-0020.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0040/0300-0140-0200-0040.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html","Fresh direct official read. Scope, definitions, licensing language, written-plan fee prerequisites, exceptional-circumstances reference. 2025 codification is not a complete post-2025 session-law audit. \nMontana Code Annotated\n+3"],["S_MT-P2-S011","Montana DOJ, Debt Management and Debt Settlement Businesses. https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/","Fresh search-only; direct fetch failed 403. Operational fee/expiration route; not live application approval or statutory authority. Preserved coordinator details beyond the fresh snippet remain supplied/reused. \nMontana Department of Justice"],["S_MT-P2-S012","Montana DOJ Form OCP-801, Debt Settlement Application and Registration Checklist, rev. 02/19. https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf","Fresh direct parsed-PDF review. Eight pages available; materially relied-on C2, D8, and D10 at form pp.2–4. No current-version or pixel audit. \nMontana Department of Justice\n+1"],["S_MT-P2-S013","Montana DOJ, Debt Relief. https://dojmt.gov/office-of-consumer-protection/debt-relief/","Fresh official search-only; direct fetch failed 403. Search rendering identifies DMP and settlement-company list sections; no complete row or named-provider verification. \nMontana Department of Justice\n+1"],["S_MT-P2-S014","Montana Department of Administration, Banking and Financial Institutions Division. https://banking.mt.gov/BFID/","Fresh direct read. Correct agency header/footer and selected mission/licensing context only. Not Part 20/21 OCP authority. \nMontana Banking"],["S_MT-P2-S015","Montana Department of Administration, BFID Enforcement Actions. https://banking.mt.gov/BFID/enforcement-actions","Fresh direct index read. Correct agency label; selected mortgage entries visible. No underlying order, case, or citator read. \nMontana Banking"]]},{"headers":["PASS-02 claim ID","Imported alias","Corrected or added assertion","Sources and confidence limit"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-02 claim ID","Imported alias","Corrected or added assertion","Sources and confidence limit"],["S_MT-P2-C001","P1 C025","For covered debt-relief telemarketing, a fee requires a customer-executed valid resolution agreement, a customer payment under that customer-creditor/debt-collector agreement, and all applicable allocation conditions. An offer or deposit alone is insufficient.","S001 §310.4(a)(5)(i)(A)–(C). High, conditional on federal coverage."],["S_MT-P2-C002","P1 C026","A qualifying dedicated account must satisfy all five federal account conditions; a deposit does not constitute an earned provider fee.","S001 §310.4(a)(5)(ii)(A)–(E). High, conditional on federal coverage and actual account facts."],["S_MT-P2-C003","P1 C027","Credit-improvement fee timing requires expiration of the represented period for all promised services and a qualifying CRA report issued more than six months after demonstrated results, subject to the FCRA permissible-purpose proviso.","S001 §310.4(a)(2). High, conditional on coverage; CROA held."],["S_MT-P2-C004","P1 S015/S016 labels","S015 and S016 are Montana Department of Administration BFID sources, not Montana DOJ Banking Division sources.","S014–S015. High for issuer labels only."],["S_MT-P2-C005","P1 C017","The ordinary initial consultation fee or donation ceiling is $75.","S002–S003, S008–S009. High-confidence qualified currentness; official current body not directly fetched."],["S_MT-P2-C006","P1 C018","The ordinary monthly maintenance ceiling is the lower of $50 or 15% of the monthly payment.","S002–S003, S008–S010. High-confidence qualified currentness; exceptional branch unresolved."],["S_MT-P2-C007","P1 C019","One-time and recurring charges cannot evade their respective fee categories by being renamed; unrelated-service fees must be reasonable and untied to counseling/DMP services.","S002–S003, S008–S009. High-confidence qualified currentness."],["S_MT-P2-C008","P1 C022","The current annual DMP government license fee is $1,000, due on or before February 1; the reduction became effective July 17, 2009.","S005–S007. High; direct current body fetch failed, but official current rendering and final history agree."],["S_MT-P2-C009","P1 C020 affected boundary","Section 2010(4)(d) preserves an exceptional-circumstances branch defined by rules, but the operative definition was not recovered; no above-cap fee may be modeled from the present record.","S008–S010. Unresolved definition; no waiver or indexing inferred."],["S_MT-P2-C010","P1 C006","A person providing or offering DMP services for consideration is within the defined credit-counseling-service category and needs a license for its DMPs and other consumer counseling. A genuine counseling-only provider appears outside that entry point, but no universal safe harbor is established.","S003 Response 5; S010 §§2002–2004. Moderate-high textual reconciliation; current interpretation and edge cases held."],["S_MT-P2-C011","P1 C028","An official DOJ route identifies both licensed DMP and registered settlement-company lists, but existence of the route does not prove a named provider’s current authorization.","S011, S013. High methodological conclusion; live list and rows unverified."],["S_MT-P2-C012","P1 C024; related C015","OCP-801 requests lead-generator, third-party-fee, and advertising information; those questions are application disclosures, not safe harbors.","S012 C2, D8, D10. High for form content; legal effect remains statutory."],["S_MT-P2-C013","P1 operational S010 qualification","DOJ’s indexed provider page supports an operational route for DMP licensing and settlement registration, but page metadata and snippets do not supply statutory effective dates or current applicant approval.","S011. Operational/search-only."]]},{"headers":["Affected component","PASS-02 disposition","Claim IDs","Remaining exact gap or next investigation"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Affected component","PASS-02 disposition","Claim IDs","Remaining exact gap or next investigation"],["TSR debt-relief agreement trigger","Answered conditionally and corrected","P2-C001","Determine actual TSR coverage and seller/telemarketer roles for each model."],["TSR customer-payment trigger","Answered conditionally and corrected","P2-C001","Verify payment under the executed customer-creditor/debt-collector agreement, not merely account funding."],["TSR proportional allocation","Answered conditionally","P2-C001","Inspect actual total fee, enrollment balances, debt changes, and allocation consistency."],["TSR percentage-of-savings allocation","Answered conditionally","P2-C001","Verify constant percentage across debts and actual satisfaction amounts."],["Dedicated account","Answered conditionally","P2-C002","Verify insured institution, customer ownership, administrator independence, referral compensation, withdrawal, and seven-business-day return."],["TSR credit-repair fee timing","Answered conditionally and corrected","P2-C003","Determine whether actual representations invoke the provision."],["Complete TSR exemptions and coverage","Unresolved","P2-C001–C003","Read and apply definitions, exemptions, call path, attorney/nonprofit provisions, and seller/telemarketer attribution to the actual model."],["CROA","Unresolved","P2-C003","Read operative definitions, exclusions, advance-payment rule, contract/cancellation terms, and controlling authority."],["ARM 23.19.1005 ordinary $75 ceiling","Qualified answered","P2-C005","Recover the current official rule body or official certified export."],["ARM 23.19.1005 ordinary monthly ceiling","Qualified answered","P2-C006","Same official-body gap; apply only after actual monthly payment and charge facts are known."],["ARM anti-relabeling rule","Qualified answered","P2-C007","Determine treatment of each proposed optional, affiliate, platform, or third-party charge."],["Exceptional circumstances","Unresolved","P2-C009","Locate the current rule definition, application/approval mechanism, or controlling interpretation."],["Indexing or automatic adjustment","Unresolved/no adjustment verified","P2-C005–C009","Search official amendment history and current rules for any later adjustment mechanism; do not calculate CPI."],["Current $1,000 DMP license fee","Answered, access-format qualified","P2-C008","Directly retrieve the official current body when the portal permits; no consumer pass-through established."],["Standalone counseling-only activity","Partial, narrowed","P2-C010","Resolve holding-out, affiliate, compensation, online education, referral, and mixed-service facts; locate current agency or judicial interpretation."],["DMP provider’s other counseling","Answered at statutory-text level","P2-C010","Apply to actual entity and service facts; no entity authorization established."],["DOJ operating-procedure page","Partial/search-only","P2-C013","Directly open the current instructions and verify form/version/renewal details."],["Public DMP/settlement lookup route","Route identified; status verification unresolved","P2-C011","Open the live official list and check a specifically named provider as of the target date."],["OCP-801 lead generators","Form content answered; legality unresolved","P2-C012","Apply Parts 20/21, compensation, advertising, telemarketing, and attribution law to actual relationships."],["OCP-801 third-party fees","Form content answered; legality unresolved","P2-C012","Review actual contracts, fee flows, designees, and statutory/federal limits."],["OCP-801 advertisements","Form content answered; legality unresolved","P2-C012","Review actual creative, scripts, claims, lead sources, credit-repair representations, and filing status."],["BFID source labels","Corrected","P2-C004","No further BFID work in this component unless an actual financial-service model makes it material."],["Named provider status","Unresolved","P2-C011","No partner or provider is approved from snippets, form eligibility, or historic PDFs."],["Current complete Part 20/21 rule chapter","Partial","P2-C005–C010","Retrieve complete official current rules, including any exception, waiver, application, accreditation, bond, and amendment provisions needed in later passes."],["All deferred Montana components","Still open/excluded","No new closure","Agreements, custody, funds, bonds, remedies, courts, collections, litigation, limitations, secured debt, sectors, local, tribal, contract, affiliates, and full exemption analysis remain required."]]}],"claims":[{"claim_id":"S_MT-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C001","Imported alias":"P1 C025","Corrected or added assertion":"For covered debt-relief telemarketing, a fee requires a customer-executed valid resolution agreement, a customer payment under that customer-creditor/debt-collector agreement, and all applicable allocation conditions. An offer or deposit alone is insufficient.","Sources and confidence limit":"S001 §310.4(a)(5)(i)(A)–(C). High, conditional on federal coverage."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C002","Imported alias":"P1 C026","Corrected or added assertion":"A qualifying dedicated account must satisfy all five federal account conditions; a deposit does not constitute an earned provider fee.","Sources and confidence limit":"S001 §310.4(a)(5)(ii)(A)–(E). High, conditional on federal coverage and actual account facts."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C003","Imported alias":"P1 C027","Corrected or added assertion":"Credit-improvement fee timing requires expiration of the represented period for all promised services and a qualifying CRA report issued more than six months after demonstrated results, subject to the FCRA permissible-purpose proviso.","Sources and confidence limit":"S001 §310.4(a)(2). High, conditional on coverage; CROA held."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C004","Imported alias":"P1 S015/S016 labels","Corrected or added assertion":"S015 and S016 are Montana Department of Administration BFID sources, not Montana DOJ Banking Division sources.","Sources and confidence limit":"S014–S015. High for issuer labels only."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C005","Imported alias":"P1 C017","Corrected or added assertion":"The ordinary initial consultation fee or donation ceiling is $75.","Sources and confidence limit":"S002–S003, S008–S009. High-confidence qualified currentness; official current body not directly fetched."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C006","Imported alias":"P1 C018","Corrected or added assertion":"The ordinary monthly maintenance ceiling is the lower of $50 or 15% of the monthly payment.","Sources and confidence limit":"S002–S003, S008–S010. High-confidence qualified currentness; exceptional branch unresolved."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C007","Imported alias":"P1 C019","Corrected or added assertion":"One-time and recurring charges cannot evade their respective fee categories by being renamed; unrelated-service fees must be reasonable and untied to counseling/DMP services.","Sources and confidence limit":"S002–S003, S008–S009. High-confidence qualified currentness."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C008","Imported alias":"P1 C022","Corrected or added assertion":"The current annual DMP government license fee is $1,000, due on or before February 1; the reduction became effective July 17, 2009.","Sources and confidence limit":"S005–S007. High; direct current body fetch failed, but official current rendering and final history agree."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C009","Imported alias":"P1 C020 affected boundary","Corrected or added assertion":"Section 2010(4)(d) preserves an exceptional-circumstances branch defined by rules, but the operative definition was not recovered; no above-cap fee may be modeled from the present record.","Sources and confidence limit":"S008–S010. Unresolved definition; no waiver or indexing inferred."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C010","Imported alias":"P1 C006","Corrected or added assertion":"A person providing or offering DMP services for consideration is within the defined credit-counseling-service category and needs a license for its DMPs and other consumer counseling. A genuine counseling-only provider appears outside that entry point, but no universal safe harbor is established.","Sources and confidence limit":"S003 Response 5; S010 §§2002–2004. Moderate-high textual reconciliation; current interpretation and edge cases held."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C011","Imported alias":"P1 C028","Corrected or added assertion":"An official DOJ route identifies both licensed DMP and registered settlement-company lists, but existence of the route does not prove a named provider’s current authorization.","Sources and confidence limit":"S011, S013. High methodological conclusion; live list and rows unverified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C012","Imported alias":"P1 C024; related C015","Corrected or added assertion":"OCP-801 requests lead-generator, third-party-fee, and advertising information; those questions are application disclosures, not safe harbors.","Sources and confidence limit":"S012 C2, D8, D10. High for form content; legal effect remains statutory."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MT-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"PASS-02 claim ID":"S_MT-P2-C013","Imported alias":"P1 operational S010 qualification","Corrected or added assertion":"DOJ’s indexed provider page supports an operational route for DMP licensing and settlement registration, but page metadata and snippets do not supply statutory effective dates or current applicant approval.","Sources and confidence limit":"S011. Operational/search-only."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_MT-P2-S001","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S001","Authority and direct literal URL":"eCFR, 16 CFR §310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Actual access classification, pinpoint, and limitation":"Fresh direct read. §310.4(a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E); Title 16 displayed through October 22, 2026. Federal coverage and exemptions not resolved. \neCFR"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S002","urls":["https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S002","Authority and direct literal URL":"Montana Administrative Register 2005 Issue 23. https://sosmt.gov/wp-content/uploads/attachments/MAR05-23.pdf?dt=1483145115456&dt=1503068948958&dt=1519326121561","Actual access classification, pinpoint, and limitation":"Fresh primary PDF read, bounded pages only. Printed pp.2373–2375 and 2452; New Rule V proposal and express nonenactment of earlier 2-61-167. No claim that all 119 pages were substantively reviewed. \nMontana SOS\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S003","urls":["https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S003","Authority and direct literal URL":"Montana Administrative Register 2006 Issue 2. https://sosmt.gov/wp-content/uploads/attachments/MAR06-02.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","Actual access classification, pinpoint, and limitation":"Fresh primary PDF read, bounded pages only. Printed pp.207–209; adoption, changes to Rules I/III, and Response 5. \nMontana SOS\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S004","urls":["https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S004","Authority and direct literal URL":"Montana Administrative Register 2006 Issue 3. https://sosmt.gov/wp-content/uploads/attachments/MAR06-03.pdf?dt=1485893209495&dt=1503068970743&dt=1519326146392","Actual access classification, pinpoint, and limitation":"Fresh primary PDF read, bounded pages only. Printed pp.322–323; agency transfer and rule-number mapping. \nMontana SOS\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S005","urls":["https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S005","Authority and direct literal URL":"Montana Administrative Register 2009 Issue 10. https://sosmt.gov/wp-content/uploads/attachments/MAR09-10.pdf?dt=1503069042751&dt=1519326110548","Actual access classification, pinpoint, and limitation":"Fresh primary PDF read, bounded pages only. Printed pp.810–811; proposal to reduce ARM 23.19.1001 fee to $1,000. Proposal not treated alone as final. \nMontana SOS"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S006","urls":["https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S006","Authority and direct literal URL":"Montana Administrative Register 2009 Issue 13. https://sosmt.gov/wp-content/uploads/attachments/MAR09-13.pdf?dt=1503069042751&dt=1519326110548","Actual access classification, pinpoint, and limitation":"Fresh primary PDF read, bounded page only. Printed p.1166; amendment adopted as proposed, certified July 6, 2009. \nMontana SOS"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S007","urls":["https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59","https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59?utm_source=chatgpt.com"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S007","Authority and direct literal URL":"Current official ARM 23.19.1001. https://rules.mt.gov/policy-library-documents/text/html/50f4d6312f114dd2e9f5b2e5d1bf54238f9af9640cd4f65400f0c4b5b11f3c59","Actual access classification, pinpoint, and limitation":"Fresh official search-rendered text; direct fetch failed 405. Current $1,000/February 1 text; official history reports July 17, 2009 effective date. \nMontana Administrative Rules\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S008","urls":["https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b","https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b?utm_source=chatgpt.com"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S008","Authority and direct literal URL":"Current official ARM 23.19.1005 page. https://rules.mt.gov/browse/collections/aec52c46-128e-4279-9068-8af5d5432d74/policies/ccb3de41-d2a6-49d3-a236-b95939cde55b","Actual access classification, pinpoint, and limitation":"Fresh official search-rendered status; direct fetch failed 405. Portal identifies the rule as “Effective”; current official rule body was not recovered. \nMontana Administrative Rules"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S009","urls":["https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S009","Authority and direct literal URL":"Cornell LII reproduction of ARM 23.19.1005. https://www.law.cornell.edu/regulations/montana/Mont-Admin-r-23.19.1005","Actual access classification, pinpoint, and limitation":"Fresh secondary full-text read. All four clauses and rule history; quarterly secondary compilation, not current primary verification by itself. \nLegal Information Institute"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S010","urls":["https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0020/0300-0140-0200-0020.html","https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html","https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0040/0300-0140-0200-0040.html","https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S010","Authority and direct literal URL":"Montana Code Annotated 2025, §§30-14-2002, 2003, 2004, and 2010. https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0020/0300-0140-0200-0020.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0030/0300-0140-0200-0030.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0040/0300-0140-0200-0040.html https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0200/section_0100/0300-0140-0200-0100.html","Actual access classification, pinpoint, and limitation":"Fresh direct official read. Scope, definitions, licensing language, written-plan fee prerequisites, exceptional-circumstances reference. 2025 codification is not a complete post-2025 session-law audit. \nMontana Code Annotated\n+3"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S011","urls":["https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/","https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/?utm_source=chatgpt.com"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S011","Authority and direct literal URL":"Montana DOJ, Debt Management and Debt Settlement Businesses. https://dojmt.gov/office-of-consumer-protection/debt-management-and-debt-settlement-businesses/","Actual access classification, pinpoint, and limitation":"Fresh search-only; direct fetch failed 403. Operational fee/expiration route; not live application approval or statutory authority. Preserved coordinator details beyond the fresh snippet remain supplied/reused. \nMontana Department of Justice"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S012","urls":["https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S012","Authority and direct literal URL":"Montana DOJ Form OCP-801, Debt Settlement Application and Registration Checklist, rev. 02/19. https://dojmt.gov/wp-content/uploads/Debt-Settlement-Application-and-Registration-Checklist-.pdf","Actual access classification, pinpoint, and limitation":"Fresh direct parsed-PDF review. Eight pages available; materially relied-on C2, D8, and D10 at form pp.2–4. No current-version or pixel audit. \nMontana Department of Justice\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S013","urls":["https://dojmt.gov/office-of-consumer-protection/debt-relief/","https://dojmt.gov/office-of-consumer-protection/debt-relief/?utm_source=chatgpt.com"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S013","Authority and direct literal URL":"Montana DOJ, Debt Relief. https://dojmt.gov/office-of-consumer-protection/debt-relief/","Actual access classification, pinpoint, and limitation":"Fresh official search-only; direct fetch failed 403. Search rendering identifies DMP and settlement-company list sections; no complete row or named-provider verification. \nMontana Department of Justice\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S014","urls":["https://banking.mt.gov/BFID/"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S014","Authority and direct literal URL":"Montana Department of Administration, Banking and Financial Institutions Division. https://banking.mt.gov/BFID/","Actual access classification, pinpoint, and limitation":"Fresh direct read. Correct agency header/footer and selected mission/licensing context only. Not Part 20/21 OCP authority. \nMontana Banking"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MT-P2-S015","urls":["https://banking.mt.gov/BFID/enforcement-actions"],"researcher_record":{"PASS-02 source ID":"S_MT-P2-S015","Authority and direct literal URL":"Montana Department of Administration, BFID Enforcement Actions. https://banking.mt.gov/BFID/enforcement-actions","Actual access classification, pinpoint, and limitation":"Fresh direct index read. Correct agency label; selected mortgage entries visible. No underlying order, case, or citator read. \nMontana Banking"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"TSR debt-relief agreement trigger","researcher_record":{"Affected component":"TSR debt-relief agreement trigger","PASS-02 disposition":"Answered conditionally and corrected","Claim IDs":"P2-C001","Remaining exact gap or next investigation":"Determine actual TSR coverage and seller/telemarketer roles for each model."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"TSR customer-payment trigger","researcher_record":{"Affected component":"TSR customer-payment trigger","PASS-02 disposition":"Answered conditionally and corrected","Claim IDs":"P2-C001","Remaining exact gap or next investigation":"Verify payment under the executed customer-creditor/debt-collector agreement, not merely account funding."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"TSR proportional allocation","researcher_record":{"Affected component":"TSR proportional allocation","PASS-02 disposition":"Answered conditionally","Claim IDs":"P2-C001","Remaining exact gap or next investigation":"Inspect actual total fee, enrollment balances, debt changes, and allocation consistency."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"TSR percentage-of-savings allocation","researcher_record":{"Affected component":"TSR percentage-of-savings allocation","PASS-02 disposition":"Answered conditionally","Claim IDs":"P2-C001","Remaining exact gap or next investigation":"Verify constant percentage across debts and actual satisfaction amounts."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Dedicated account","researcher_record":{"Affected component":"Dedicated account","PASS-02 disposition":"Answered conditionally","Claim IDs":"P2-C002","Remaining exact gap or next investigation":"Verify insured institution, customer ownership, administrator independence, referral compensation, withdrawal, and seven-business-day return."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"TSR credit-repair fee timing","researcher_record":{"Affected component":"TSR credit-repair fee timing","PASS-02 disposition":"Answered conditionally and corrected","Claim IDs":"P2-C003","Remaining exact gap or next investigation":"Determine whether actual representations invoke the provision."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Complete TSR exemptions and coverage","researcher_record":{"Affected component":"Complete TSR exemptions and coverage","PASS-02 disposition":"Unresolved","Claim IDs":"P2-C001–C003","Remaining exact gap or next investigation":"Read and apply definitions, exemptions, call path, attorney/nonprofit provisions, and seller/telemarketer attribution to the actual model."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"CROA","researcher_record":{"Affected component":"CROA","PASS-02 disposition":"Unresolved","Claim IDs":"P2-C003","Remaining exact gap or next investigation":"Read operative definitions, exclusions, advance-payment rule, contract/cancellation terms, and controlling authority."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"ARM 23.19.1005 ordinary $75 ceiling","researcher_record":{"Affected component":"ARM 23.19.1005 ordinary $75 ceiling","PASS-02 disposition":"Qualified answered","Claim IDs":"P2-C005","Remaining exact gap or next investigation":"Recover the current official rule body or official certified export."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"ARM 23.19.1005 ordinary monthly ceiling","researcher_record":{"Affected component":"ARM 23.19.1005 ordinary monthly ceiling","PASS-02 disposition":"Qualified answered","Claim IDs":"P2-C006","Remaining exact gap or next investigation":"Same official-body gap; apply only after actual monthly payment and charge facts are known."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"ARM anti-relabeling rule","researcher_record":{"Affected component":"ARM anti-relabeling rule","PASS-02 disposition":"Qualified answered","Claim IDs":"P2-C007","Remaining exact gap or next investigation":"Determine treatment of each proposed optional, affiliate, platform, or third-party charge."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Exceptional circumstances","researcher_record":{"Affected component":"Exceptional circumstances","PASS-02 disposition":"Unresolved","Claim IDs":"P2-C009","Remaining exact gap or next investigation":"Locate the current rule definition, application/approval mechanism, or controlling interpretation."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Indexing or automatic adjustment","researcher_record":{"Affected component":"Indexing or automatic adjustment","PASS-02 disposition":"Unresolved/no adjustment verified","Claim IDs":"P2-C005–C009","Remaining exact gap or next investigation":"Search official amendment history and current rules for any later adjustment mechanism; do not calculate CPI."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current $1,000 DMP license fee","researcher_record":{"Affected component":"Current $1,000 DMP license fee","PASS-02 disposition":"Answered, access-format qualified","Claim IDs":"P2-C008","Remaining exact gap or next investigation":"Directly retrieve the official current body when the portal permits; no consumer pass-through established."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Standalone counseling-only activity","researcher_record":{"Affected component":"Standalone counseling-only activity","PASS-02 disposition":"Partial, narrowed","Claim IDs":"P2-C010","Remaining exact gap or next investigation":"Resolve holding-out, affiliate, compensation, online education, referral, and mixed-service facts; locate current agency or judicial interpretation."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"DMP provider’s other counseling","researcher_record":{"Affected component":"DMP provider’s other counseling","PASS-02 disposition":"Answered at statutory-text level","Claim IDs":"P2-C010","Remaining exact gap or next investigation":"Apply to actual entity and service facts; no entity authorization established."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"DOJ operating-procedure page","researcher_record":{"Affected component":"DOJ operating-procedure page","PASS-02 disposition":"Partial/search-only","Claim IDs":"P2-C013","Remaining exact gap or next investigation":"Directly open the current instructions and verify form/version/renewal details."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Public DMP/settlement lookup route","researcher_record":{"Affected component":"Public DMP/settlement lookup route","PASS-02 disposition":"Route identified; status verification unresolved","Claim IDs":"P2-C011","Remaining exact gap or next investigation":"Open the live official list and check a specifically named provider as of the target date."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"OCP-801 lead generators","researcher_record":{"Affected component":"OCP-801 lead generators","PASS-02 disposition":"Form content answered; legality unresolved","Claim IDs":"P2-C012","Remaining exact gap or next investigation":"Apply Parts 20/21, compensation, advertising, telemarketing, and attribution law to actual relationships."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"OCP-801 third-party fees","researcher_record":{"Affected component":"OCP-801 third-party fees","PASS-02 disposition":"Form content answered; legality unresolved","Claim IDs":"P2-C012","Remaining exact gap or next investigation":"Review actual contracts, fee flows, designees, and statutory/federal limits."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"OCP-801 advertisements","researcher_record":{"Affected component":"OCP-801 advertisements","PASS-02 disposition":"Form content answered; legality unresolved","Claim IDs":"P2-C012","Remaining exact gap or next investigation":"Review actual creative, scripts, claims, lead sources, credit-repair representations, and filing status."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"BFID source labels","researcher_record":{"Affected component":"BFID source labels","PASS-02 disposition":"Corrected","Claim IDs":"P2-C004","Remaining exact gap or next investigation":"No further BFID work in this component unless an actual financial-service model makes it material."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Named provider status","researcher_record":{"Affected component":"Named provider status","PASS-02 disposition":"Unresolved","Claim IDs":"P2-C011","Remaining exact gap or next investigation":"No partner or provider is approved from snippets, form eligibility, or historic PDFs."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current complete Part 20/21 rule chapter","researcher_record":{"Affected component":"Current complete Part 20/21 rule chapter","PASS-02 disposition":"Partial","Claim IDs":"P2-C005–C010","Remaining exact gap or next investigation":"Retrieve complete official current rules, including any exception, waiver, application, accreditation, bond, and amendment provisions needed in later passes."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"All deferred Montana components","researcher_record":{"Affected component":"All deferred Montana components","PASS-02 disposition":"Still open/excluded","Claim IDs":"No new closure","Remaining exact gap or next investigation":"Agreements, custody, funds, bonds, remedies, courts, collections, litigation, limitations, secured debt, sectors, local, tribal, contract, affiliates, and full exemption analysis remain required."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}