{"meta":{"key":"s_nd--pass-02","task":"S_ND","title":"Four remaining fee-timing and refund questions","parent_title":"North Dakota debt and debt relief law","edition":"pass-02","path":"/research/s_nd--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":13,"claims":46,"sources":28,"review_status":"scoped_coordinator_four_interpretation_holds_review_complete_unresolved_with_source_currentness_contract_application_holds","review_complete":true,"sha256":"7210ed7b0eda9f3f6fb29554912471546ec6ae1441381b56c73a928aa3e42b57","headings":["Four remaining fee-timing and refund questions","Before/after proposition map","1. Chapter 13-11: installment settlements and fee collection","1.1 The operative provisions address different events","1.2 Reconciliation supported by the text, but not conclusively adjudicated","1.3 Conditional federal overlay: complete relevant conditions","2. Chapter 13-11: cancellation, material violation, application fees, and invalid contracts","2.1 The application-fee inconsistency remains literal and unresolved","2.2 Distinct cancellation and recovery branches","2.3 Refund accounting, payment authority, and creditor notice","3. Chapter 13-07: initial fee base and residual collection","3.1 What the current text establishes","3.2 Gross versus net remains an interpretive hold","3.3 “Partial payment” does not resolve residual fee collection","4. Chapter 13-07: cancellation, retained fees, and pending trust money","4.1 The chapter supplies several clocks—but no express universal refund clock","4.2 Pending money and previously retained fees are separate questions","4.3 Conditional contract-law timing","4.4 Uniform Trust Code: possible, not automatic","4.5 Rescission, restitution, and AG restoration are distinct avenues","4.6 Exact missing contractual provisions","B.1 Governing text and historical enactments","B.2 Generic agency materials, published opinions, and discovery sources","B.3 Source-access failures and recovery limits","C.1 Installment and federal interaction claims","C.2 Chapter 13-11 cancellation and invalidity claims","C.3 Chapter 13-07 fee and cancellation claims","C.4 Trust, restitution, authority, and research-limit claims","Model 1 — Installment settlement: federal eligibility is not state permission","Model 2 — Cancellation after one settled debt: consistent method and prior fee","Model 3 — First Chapter 13-07 payment: two calculations, no approved range","Model 4 — Chapter 13-07 cancellation with prior fees and pending funds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ND/pass-02","facets":{"geography":["us","us-nd"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"Only four reviewed P01 installment/application-fee/first-deposit/cancellation-refund interpretation holds","pending_corrections":0},"markdown":"# SettleADebt — S_ND PASS-02\n\n## Four remaining fee-timing and refund questions\n\n**Fresh source-access date:** October 27, 2026, Pacific.\n**Scope:** Only the four specified North Dakota fee-timing/refund questions and the public-law provisions necessary to analyze them.\n\n**Overall result: PARTIAL.** The freshly read authorities clarify several important boundaries, but none of the four remaining interpretive questions can be marked fully resolved. In particular, this pass did **not** recover an authoritative interpretation permitting first-installment settlement fees, authorizing a consumer application fee, selecting the Chapter 13-07 gross/net calculation, or prescribing a universal Chapter 13-07 cancellation-refund formula.\n\nP01’s recorded provenance and coordinator-review status remain unchanged. This is a new scoped research pass, not an independent review or a determination concerning an actual provider, contract, account, or borrower.\n\n**Identifier convention:** Below, **S001** means **S_ND-P2-S001**, and **C001** means **S_ND-P2-C001**. Full identifiers appear in the registers.\n\n## Before/after proposition map\n\n| Reviewed P01 remainder | What PASS-02 establishes | What remains held |\n| --- | --- | --- |\n| **Chapter 13-11 installment timing:** creditor-certified payment plans are recognized, but interaction with the fee-collection condition is unresolved. | Recognition of an installment settlement under §13-11-23(1)(k) is not itself an express exception to §13-11-21(4). The statute does not supply a proportional installment-earning schedule. Federal first-payment compliance cannot establish state compliance. **C001–C009.** | Whether providing only the first installment satisfies the state phrase “those funds are provided.” No responsive formal interpretation or published majority holding was recovered. The conservative boundary remains to withhold collection until the entire specified settlement amount has been provided and the other conditions are satisfied. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) |\n| **Chapter 13-11 application-fee/cancellation inconsistency.** | The inconsistent application-fee exception and restrictive fee section coexisted in the original 2011 enactment. Ordinary cancellation, material violation, unauthorized-fee voidness, unlicensed-contract voidness, and §13-11-19 voidability have distinct consequences. The express seven-day clock starts with cancellation notice. **C010–C020.** | No independent authorization for a consumer application fee; no separately stated clock-start event for a material-violation-only refund; no automatic resolution of previously earned fees after contract voidness. [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c11.pdf) |\n| **Chapter 13-07 initial gross/net base and non-deposit residual fees.** | The current $50/15% language was present in the original 1993 enactment. The contract must disclose the total retainable amount upon full performance. That disclosure does not itself establish an accelerated balance due on cancellation. **C021–C028.** | Gross versus post-origination base remains unresolved. “Partial payment” does not establish an unrestricted right to collect a residual fee outside deposits. The two calculations are alternatives for analysis—not a legally permitted range. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c07.pdf) |\n| **Chapter 13-07 cancellation/refunds.** | The chapter’s cancellation, creditor-notice, and distribution clocks are distinct. General contract, rescission, restitution, and potentially trust law provide conditional avenues for determining obligations. *Heitkamp* rejects leaving closed-account client funds unresolved, but does not establish a universal cancellation-refund deadline. **C029–C045.** | The actual recipient, earned-fee amount, deductions, refund amount, and applicable deadline require facts and contractual terms not supplied. Uniform Trust Code applicability cannot be assumed merely from the account’s “trust” label. [Justia Law+2](https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html) |\n\n# A. Substantive findings\n\n## 1. Chapter 13-11: installment settlements and fee collection\n\n### 1.1 The operative provisions address different events\n\nThe relevant definitions use the balance enrolled when the consumer enters the contract—not an assumed original loan principal. “Savings” compares that enrolled amount with the amount paid under the negotiated full-satisfaction settlement. The settlement-fee definition refers to a completed creditor agreement or arrangement, while §13-11-21(4) separately restricts **collection** of the fee. These provisions do not expressly define a fraction of the fee as earned with each installment. **C001–C004; S001, §13-11-01(11), (13)–(14), §13-11-21(4).** [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf)\n\nSection 13-11-21(4) requires both:\n\n1. A legally enforceable creditor agreement accepting a specified dollar amount in full satisfaction of the debt; and\n2. Provision of “those funds” by the provider on the consumer’s behalf or directly by the consumer pursuant to the provider-negotiated settlement.\n\nSection 13-11-23(1)(k), meanwhile, permits the relevant representation when the creditor has certified either full settlement or inclusion of the payment in a payment plan that will produce full settlement upon completion. The latter recognizes a valid installment arrangement; it does not expressly amend the separate fee-collection condition. **C002–C003.** [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf)\n\n### 1.2 Reconciliation supported by the text, but not conclusively adjudicated\n\nThe strongest harmonized reading is that a provider may negotiate and accurately describe a creditor-certified installment settlement **before** it has satisfied the conditions for collecting its fee.\n\nThat is a textual interpretation, not a recovered DFI interpretation or controlling holding. The alternative argument—that providing an installment is sufficient provision of “those funds”—was not authoritatively established by the sources recovered here. Nor was an authoritative rule found allowing the provider to earn one-third of its fee when one-third of the settlement amount is paid. **C004; S001 and S003.** [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c11.pdf)\n\n**Conditional operating boundary:** Until a controlling interpretation establishes otherwise, do not collect the Chapter 13-11 fee merely because the creditor signed an installment settlement or received its first installment. Wait until the full specified settlement amount has been provided, then separately verify the contract, fee ceiling, assent, and any applicable federal conditions. This is a conservative boundary, not a holding that every possible installment arrangement has been judicially resolved against earlier collection.\n\nTwo additional conditions remain material. The fee may not exceed 30% of statutory savings, and a settlement exceeding 50% of the enrolled principal requires consumer assent **after** creditor assent. Satisfying those conditions does not itself satisfy the collection trigger. **C005, C046.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf)\n\n### 1.3 Conditional federal overlay: complete relevant conditions\n\nOnly where the particular activity is independently covered by the Telemarketing Sales Rule, §310.4(a)(5)(i) prohibits requesting or receiving a fee before:\n\n- A valid customer-executed agreement changes at least one debt;\n- The customer makes at least one payment under the agreement with the creditor or collector; and\n- For individually resolved debts, the fee follows either the enrolled-balance proportional allocation method or the same percentage-of-savings method across individual debts. **C006–C007.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nThe dedicated-account provision is also conditional. All five requirements must be met: an insured financial institution; customer ownership and receipt of accrued interest; an administrator not owned, controlled by, or affiliated with the debt-relief service; no compensation for referrals involving the service; and withdrawal without penalty, with the customer receiving account funds other than fees properly earned under the federal conditions within **seven business days of the request**. **C008.** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nConsequently:\n\n- Federal first-payment eligibility does not resolve North Dakota’s additional funds-provision language.\n- State trust-account compliance does not establish federal account independence or customer-interest compliance.\n- North Dakota’s seven-day cancellation-refund provision is not the same event, obligation, or time unit as the federal seven-business-day account-return condition.\n- Neither provision is an independently verified bank-transfer processing rule. **C009.** [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c11.pdf)\n\nNo professional exemption, CROA coverage, or credit-repair representation is assumed.\n\n## 2. Chapter 13-11: cancellation, material violation, application fees, and invalid contracts\n\n### 2.1 The application-fee inconsistency remains literal and unresolved\n\nSection 13-11-20(2) excepts an “application fee” and an earned settlement fee from its refund direction. But §13-11-21 permits only the types, amounts, and timing of consumer compensation authorized there, and prohibits enrollment, setup, upfront, and maintenance fees. It does not authorize a consumer application fee. **C014.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf)\n\nThe original enrolled 2011 HB 1038 already contained both provisions. Thus, the inconsistency is not explained by treating one as a freshly discovered later amendment superseding the other. The enactment alone does not disclose why the application-fee exception was included. **C015; S011, §2, printed pp. 12–13, PDF indices 11–12.** [North Dakota Legislative Branch+1](https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf)\n\nNorth Dakota’s construction rules address ordinary meaning, harmonization, and the treatment of apparent drafting errors, but do not permit this researcher to declare statutory words deleted without establishing the necessary legislative intent. No recovered interpretation does that work here. **C014; S003, §§1-02-02–08.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t01c02.pdf)\n\n**Result:** No lawful consumer application-fee pathway has been established. Do not charge or retain one based solely on §13-11-20’s exception.\n\nThe **$400 investigation fee in §13-11-04 is a provider-to-state licensing charge**, not an authorized consumer charge. The DFI’s generic application-fee instructions do not change that distinction. **C016.** [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf)\n\n### 2.2 Distinct cancellation and recovery branches\n\n| Event | Established consequence | Important limitation |\n| --- | --- | --- |\n| **Ordinary consumer cancellation before full performance** | §§13-11-19(3)(n) and 20 require return of unearned compensation and settlement-account funds not paid to creditors; an actually earned settlement fee is treated separately. | Prior withdrawal or bookkeeping recognition does not prove a fee was lawfully earned. Funds actually paid to a creditor under the contract are excluded from this ordinary account-refund calculation. **C010, C020.** |\n| **Material violation, including without an ordinary cancellation** | §13-11-20(2) creates a refund trigger “at any time” upon a material violation. | The statutory exception for an earned settlement fee remains in the text. The violation may affect whether that fee was lawfully earned, but neither automatic retention nor automatic forfeiture of every prior fee is established for every violation. **C011, C020.** |\n| **Cancellation notice given** | §13-11-20(3) requires the refund and full statement of account within seven days after the notice. | This is the express clock-start event. The section does not separately specify the start of a clock when relief rests only on a material violation or voidness and no cancellation notice has been given. **C012.** |\n| **Unauthorized fee or payment under §§13-11-21–22** | §13-11-28(1) makes the contract void and directs recovery through §13-11-20. | That cross-reference does not by itself resolve the treatment of every otherwise-earned earlier fee or authorize recovery of every amount already paid to creditors. **C017, C020.** |\n| **Provider lacked a required license when the individual assented** | §13-11-28(2) makes the contract void. Subsection (3) bars the provider’s breach-of-contract or restitution claim against the individual for that branch. | The explicit subsection (3) bar is tied to subsection (2); it should not silently be generalized to every other invalidity branch. **C018.** |\n| **Contract entered in violation of §13-11-19** | Section 13-11-19(2) calls the contract **voidable**. | “Voidable” is not interchangeable with the automatic “void” language in §13-11-28. **C019.** |\n\nThe operative distinctions above come from the freshly read complete interacting provisions, not from an assumed general refund policy. [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c11.pdf)\n\n### 2.3 Refund accounting, payment authority, and creditor notice\n\nThe cancellation accounting must show fees received and refunded, savings held, creditor payments, settlement fees earned, and savings refunded. Cancellation revokes the provider’s powers of attorney and direct-debit authorizations. The provider must give **timely** cancellation notice to creditors with whom it previously communicated for the consumer. Chapter 13-11 does not substitute Chapter 13-07’s separate 30-day creditor-notice wording. **C012–C013.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf)\n\nSection 13-11-23 also restricts post-termination exercise of a power of attorney and account transfers. Thus, a claimed fee entitlement does not automatically authorize a post-cancellation debit using revoked authority. **C013.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf)\n\nThe state’s seven-day period is stated in days, not business days, and is subject to applicable North Dakota time-computation law. Section 1-02-15 generally excludes the first day and includes the last, with its holiday qualification. This report does not calculate an actual deadline without an actual operative notice date. **C045.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t01c02.pdf)\n\n## 3. Chapter 13-07: initial fee base and residual collection\n\n### 3.1 What the current text establishes\n\nSection 13-07-06 authorizes an origination fee up to $50, which **may** be subtracted from the initial payment. It separately permits withdrawal and retention, as partial payment of the service’s total fee, of up to 15% of a sum deposited for distribution. Section 13-07-02 requires disclosure of the total retainable amount **if the contract is fully performed**. **C021–C023.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf)\n\nThe original 1993 enactment used the same relevant $50, 15%, distribution, cancellation, and creditor-notice wording. It supplies historical confirmation—not an explanation selecting one first-deposit formula. **C026; S012, Chapter 139, §§2, 4–6, printed pp. 595–596, PDF indices 3–4.** [ndlegis.gov](https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf)\n\n### 3.2 Gross versus net remains an interpretive hold\n\nTwo readings remain possible on the recovered text:\n\n**Net-base reading:** The $50 allocated to origination is no longer a sum “for distribution,” so the percentage applies to the remaining distribution amount.\n\n**Gross-base reading:** The initial payment was a sum deposited for distribution before the origination withdrawal, so the percentage applies to that original deposit.\n\nThe statute does not expressly say “before” or “after” the origination deduction. Neither the recovered enactment nor the inspected generic AG materials supplies the missing instruction. **C024.** [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c07.pdf)\n\nA lower deduction may be a conservative proposal, but it is **not an officially established safe harbor**. In particular, **$102.50–$110 must not be described as a legally allowed range** for a $400 initial payment. Those are the results of two different unverified interpretations.\n\n### 3.3 “Partial payment” does not resolve residual fee collection\n\nThe phrase “partial payment of the service’s total fee” can support an argument that a contract has a total fee not exhausted by one deposit. It does not specify when a remaining balance becomes earned, whether it can be collected outside deposits, or whether cancellation accelerates it.\n\nConversely, Chapter 13-07 does not contain the same express exclusive-fee wording as §13-11-21. Therefore, this pass does **not** establish either a blanket permission or a blanket prohibition for every possible separately collected residual fee. **C023, C025.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf)\n\nThe missing evidence is an authoritative interpretation and, for a particular transaction, the actual provisions defining total compensation, earning milestones, allocation, separate collection, and cancellation. A disclosed full-performance maximum is not automatically an amount owed after partial performance.\n\nSeparately charging the origination fee does not avoid §13-07-04: that section covers **any payments received from or on behalf of the debtor**, requiring trust deposit within one business day and identifiable, noncommingled funds. The weekly accounting must distinguish receipts, disbursements, fees, and escrow funds; a debtor’s copy is available upon request, rather than automatically required to be delivered weekly. **C027–C028.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf)\n\n## 4. Chapter 13-07: cancellation, retained fees, and pending trust money\n\n### 4.1 The chapter supplies several clocks—but no express universal refund clock\n\n| Duty | Statutory event and time | What it does **not** establish |\n| --- | --- | --- |\n| Deposit received money into trust | Within **one business day of receipt**, §13-07-04 | When the provider earns a fee or when cancellation refunds are due. |\n| Prepare accounting | **Weekly**; copy available to debtor upon request, §13-07-05 | Automatic weekly delivery or a refund calculation. |\n| Distribute the remainder to listed creditors | Within **45 days after the debtor’s deposit**, according to the agreement, §13-07-06 | A universal 45-day refund period after cancellation. |\n| Without-cause cancellation before automatic termination | **30 days’ written notice of intent to cancel**, §13-07-06 | Immediate termination in every circumstance or automatic forfeiture of all prior fees. |\n| Creditor notice | Within **30 days in the event of cancellation**, §13-07-06 | An automatic substitution of the date notice was mailed for the legally operative cancellation event. |\n| Return money or refund fees after cancellation | No specific formula or number of days is stated in Chapter 13-07 | Importation of Chapter 13-11’s seven-day refund provision. |\n\n**C027–C032.** The operative cancellation date and any pending payment instructions require the actual agreement and valid notice facts. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf)\n\n### 4.2 Pending money and previously retained fees are separate questions\n\nThe chapter requires identifiable debtor payments and distribution according to the agreement. It does not say that an undisbursed balance becomes provider compensation when the relationship ends. But identifying the final recipient requires separating:\n\n- Amounts lawfully earned by the provider;\n- Money subject to valid, surviving creditor-payment instructions; and\n- Uncommitted money returnable to the debtor under the governing agreement and applicable law.\n\nThe statute alone does not establish that every previously retained fee is earned, that every such fee must be refunded, or that every pending dollar belongs immediately to the provider or a particular creditor. **C032–C033.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf)\n\nIn *Heitkamp*, the Supreme Court upheld the finding that the service failed to comply with §13-07-06 when it left a closed client-account balance unresolved and made no effort to determine the rightful owners. The opinion quoted the statute’s 45-days-after-**deposit** distribution language. That supports a prohibition against treating closed-account money as indefinitely available to the service; it does not furnish a universal cancellation-refund formula or replace the statutory event with “45 days after cancellation.” **C040.** [Justia Law](https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html)\n\n### 4.3 Conditional contract-law timing\n\nNorth Dakota contract law requires the written agreement to be read as a whole and interpreted lawfully. Section 9-07-22 supplies a timing rule when the contract leaves time unspecified: generally reasonable time, with a more immediate rule for an act capable of immediate performance that consists only of paying money once the amount is exactly ascertained. **C033–C034.** [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t09c07.pdf)\n\nThat provision is useful **after** a refund obligation and its amount have been established. It does not create an otherwise unproved refund entitlement, decide gross versus net fees, establish who owns a disputed balance, or dictate an electronic bank-transfer method.\n\nRelevant contract limitations also remain. Sections 9-08-01–04 address unlawful contractual objects, attempted exemption from responsibility for specified wrongful conduct, and penalty or liquidated-damages clauses. They require analysis of the actual clause; they do not make every cancellation charge automatically valid or automatically invalid. **C035.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c08.pdf)\n\n### 4.4 Uniform Trust Code: possible, not automatic\n\nSection 59-09-02 limits the Uniform Trust Code’s coverage and expressly excludes several arrangements, including specified professional client accounts, single-transaction or escrow funds, trusts created by depository agreements, and resulting or constructive trusts.\n\nAccordingly, a Chapter 13-07 account’s statutory “trust” label does not prove that §59-16-17 applies. The actual trust instrument, account agreement, administrator’s role, and relevant exclusion must be examined. **C036.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t59c09.pdf)\n\n**If** the Uniform Trust Code applies and an event terminating the trust has occurred, §59-16-17 requires expeditious distribution to the entitled persons, subject to a reasonable reserve for debts, expenses, and taxes. Its separate proposed-distribution objection procedure is not a general 30-day refund waiting period. Nor does its reserve language independently authorize a counseling fee prohibited by other law. **C037.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t59c16.pdf)\n\n### 4.5 Rescission, restitution, and AG restoration are distinct avenues\n\n**Rescission.** Sections 9-09-02 and 9-09-04 address grounds such as fraud or failure of consideration and, subject to their exceptions, prompt action and restoration or an offer to restore what was received. Ordinary prospective cancellation is not automatically rescission of the entire completed relationship. **C038.** [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c09.pdf)\n\n**Unjust enrichment.** In *Lund*, the Supreme Court applied the requirements of enrichment, corresponding impoverishment, connection, lack of justification, and absence of a legal remedy. It rejected recovery on the facts, including reciprocal benefits. This is not a rule that all counseling fees must be returned merely because the consumer later cancels, and it does not override §13-11-28(3)’s particular bar against provider restitution claims in the unlicensed-contract branch. **C039.** [Justia Law+1](https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html)\n\n**AG restoration.** Chapter 13-07 supplies an enforcement route, and §51-15-07 permits court-ordered restoration of money or property obtained through unlawful conduct in the relevant AG proceeding. That requires the necessary legal predicate and court relief; it is not an automatic refund or an individual award equal to an agency civil-penalty maximum. **C041.** [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c07.pdf)\n\n### 4.6 Exact missing contractual provisions\n\nAn individual Chapter 13-07 result requires, at minimum, the clauses addressing:\n\n1. Whether the disclosed total includes origination, the percentage base, and when each component is earned;\n2. Apportionment on partial performance, residual collection, acceleration, and any purported nonrefundable fee;\n3. Cancellation delivery, effective date, automatic termination, refund timing, and surviving creditor-payment instructions;\n4. Ownership and disposition of pending funds, account-administration terms, and any release or reserve provision.\n\nThe transaction ledger must also identify actual receipts, lawful fee withdrawals, creditor payments, outstanding checks or instructions, and the cancellation event. None was supplied or queried. **C023–C025, C032–C038.**\n\n# B. Complete source register\n\n**Access convention:** Every entry below was checked or attempted on **October 27, 2026, Pacific**. “Current code” means the canonical official code body displayed on that date; it is not a claim that a complete later-law or historical-effective-date audit was performed. Printed pages and zero-based PDF indices are both supplied where known.\n\n## B.1 Governing text and historical enactments\n\n| Source ID | Issuer, title, and complete literal URL | Version/status and exact pinpoint | Actual read bounds |\n| --- | --- | --- | --- |\n| **S_ND-P2-S001** | ND Legislative Council, **N.D.C.C. Ch. 13-11, Debt-Settlement Providers**. https://ndlegis.gov/cencode/t13c11.pdf | Current canonical code; no discrete compilation date shown. Definitions §01(8)–(14): p.3/index2; §04: p.4/index3; §19: pp.10–11/indices9–10; §§20–22: p.11/index10; §23: pp.11–13/indices10–12; §28: p.14/index13. | Fresh selected operative clauses and necessary cross-references read; relevant PDF pages visually inspected. Not a rerun of all provider-access issues. [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c11.pdf) |\n| **S_ND-P2-S002** | ND Legislative Council, **N.D.C.C. Ch. 13-07, Consumer Credit Counseling Services**. https://ndlegis.gov/cencode/t13c07.pdf | Current canonical code. §§01–05 and start of §06: p.1/index0; remainder of §06 and §07: p.2/index1. | Complete two-page chapter freshly read; both pages visually inspected. Current definition says “person,” not nonprofit only. [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t13c07.pdf) |\n| **S_ND-P2-S003** | ND Legislative Council, **N.D.C.C. Ch. 1-02, Statutory Construction**. https://ndlegis.gov/cencode/t01c02.pdf | Current code. §§1-02-02–08: pp.1–2/indices0–1; §1-02-15: p.3/index2. | Selected construction and time-computation provisions read and relevant pages inspected. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t01c02.pdf) |\n| **S_ND-P2-S004** | ND Legislative Council, **N.D.C.C. Ch. 9-07, Interpretation of Contract**. https://ndlegis.gov/cencode/t09c07.pdf | Current code. §§9-07-02–08: p.1/index0; §§9-07-19, 22: p.2/index1. | Selected interpretation and unspecified-time provisions freshly read; p.2 visually inspected. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t09c07.pdf) |\n| **S_ND-P2-S005** | ND Legislative Council, **N.D.C.C. Ch. 9-08, Unlawful and Voidable Contracts**. https://ndlegis.gov/cencode/t09c08.pdf | Current code. §§9-08-01–04: p.1/index0; §§9-08-08–09: p.2/index1. | Relevant illegality/penalty provisions and the cross-referenced rescission exception read; both pages inspected. Personal-injury provisions not applied to counseling. [North Dakota Legislative Branch+2](https://ndlegis.gov/cencode/t09c08.pdf) |\n| **S_ND-P2-S006** | ND Legislative Council, **N.D.C.C. Ch. 9-09, Extinction, Rescission, Alteration, and Cancellation of Contracts**. https://ndlegis.gov/cencode/t09c09.pdf | Current code. §§9-09-02, 04: p.1/index0. | Selected grounds, promptness, restoration, and exception language freshly read and page inspected. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t09c09.pdf) |\n| **S_ND-P2-S007** | ND Legislative Council, **N.D.C.C. Ch. 59-09, General Provisions and Definitions**. https://ndlegis.gov/cencode/t59c09.pdf | Current Uniform Trust Code provisions. §59-09-02(1)–(2): p.1/index0. | Complete relevant scope/exclusion provision freshly read and visually inspected. No actual account classified. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t59c09.pdf) |\n| **S_ND-P2-S008** | ND Legislative Council, **N.D.C.C. Ch. 59-16, Duties and Powers of Trustee**. https://ndlegis.gov/cencode/t59c16.pdf | Current code. §59-16-17(1)–(3): p.7/index6; related winding-up provision selected. | Termination-distribution, reserve, objection, and release provisions freshly read and page inspected; applicability remains conditional. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t59c16.pdf) |\n| **S_ND-P2-S009** | ND Legislative Council, **N.D.C.C. Ch. 51-15, Consumer Fraud and Unlawful Credit Practices**. https://ndlegis.gov/cencode/t51c15.pdf | Current code. §51-15-07: p.3/index2. | Selected AG restoration provision freshly read and page inspected; no full private-remedies analysis. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t51c15.pdf) |\n| **S_ND-P2-S010** | FTC regulation, OFR/GPO **eCFR, 16 C.F.R. §310.4**. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | HTML; page/index N/A. Displayed Title16 current through **Oct.23,2026**, title last amended Oct.19; that is not a finding that this subsection changed then. | Complete §310.4(a)(5)(i)(A)–(C) and (ii)(A)–(E) freshly read. Authoritative but unofficial eCFR compilation; applicability remains conditional. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_ND-P2-S011** | ND Legislative Assembly, **Enrolled HB1038, 2011**. https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf | Historical enrolled enactment. §2, original §§13-11-20–21: printed pp.12–13/indices11–12. Exact original effective date not newly established. | Original inconsistent refund exception and fee restrictions freshly read and visually inspected. Used for provenance of wording, not as a substitute for current code. [North Dakota Legislative Branch+1](https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf) |\n| **S_ND-P2-S012** | State of ND, **1993 Session Laws, Debtor and Creditor Relationships, Chapter139, SB2362**. https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf | Historical enacted text, §§2,4–7; printed pp.595–596/indices3–4. Approval/filing endorsement: Apr.15,1993; original effective date not separately established. | Relevant original fee, contract, trust, accounting, and cancellation wording freshly read and both pages inspected. Historical nonprofit wording not imported into current law. [North Dakota Legislative Branch+2](https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf) |\n\n## B.2 Generic agency materials, published opinions, and discovery sources\n\n| Source ID | Issuer, title, and complete literal URL | Status/pinpoint | Actual read bounds and limitation |\n| --- | --- | --- | --- |\n| **S_ND-P2-S013** | ND DFI/State portal, **Financial Institutions FAQ**. https://www.nd.gov/faq/financial-institutions-faq | Live generic instructions; “Debt-Settlement Providers,” including provider application fees. HTML; page/index N/A. | Fresh selected section. No responsive installment or consumer-application-refund interpretation found there. No NMLS follow-through in this pass. [ND Portal](https://www.nd.gov/faq/financial-institutions-faq) |\n| **S_ND-P2-S014** | ND AG, **Consumer Rights**. https://attorneygeneral.nd.gov/consumer-resources/consumer-rights/ | Live generic page; “Credit Counseling/Debt Management Services.” HTML; page/index N/A. | Fresh selected section; bond-related instructions do not resolve these fee/refund questions. No contact or provider lookup. [North Dakota Attorney General](https://attorneygeneral.nd.gov/consumer-resources/consumer-rights/) |\n| **S_ND-P2-S015** | ND Legislative Council, **North Dakota Administrative Code index**. https://ndlegis.gov/prod/agency-rules/north-dakota-administrative-code/ | Current index with quarterly-update description; selected Title10 AG and Title13 DFI article listings. HTML. | Fresh index inspection, not full reading of every listed rule. No responsive specific fee-interpretation rule identified; not proof that no order or interpretation exists. [North Dakota Legislative Branch](https://ndlegis.gov/prod/agency-rules/north-dakota-administrative-code/) |\n| **S_ND-P2-S016** | ND AG, **Legal Opinions**. https://attorneygeneral.nd.gov/attorney-generals-office/legal-opinions/ | Current generic opinions instructions/navigation. HTML. | Fresh body read; not itself an opinion deciding the four questions. Correct route recovered after S027 failed. [North Dakota Attorney General](https://attorneygeneral.nd.gov/attorney-generals-office/legal-opinions/) |\n| **S_ND-P2-S017** | ND AG, **Cumulative Opinion Index**. https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf | **Version conflict:** parsed cover says Sept.16,2026; rendered cover says Jan.3,2023. Cover printed p.1/index0; 108-page returned document. | Selected cover/index searches and relevant entries, not all108 pages read. The conflict prevents claiming a comprehensive through-2026 negative search. [North Dakota Attorney General+1](https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf) |\n| **S_ND-P2-S018** | ND Supreme Court, **State ex rel. Heitkamp v. Family Life Services, Inc.**, 2000ND166,616N.W.2d826, Aug.31,2000; **Justia-hosted opinion text**. https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html | Published majority opinion; selected ¶¶1–8,15–24,43–45,56 and disposition. HTML; PDF page/index N/A. | Fresh selected majority-body read on a secondary host. No fresh official-host recovery or later-history/citator certification. [Justia Law+2](https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html) |\n| **S_ND-P2-S019** | ND Supreme Court, **Lund v. Lund**, 2014ND133, June24,2014; **Justia-hosted opinion text**. https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html | Published majority opinion, ¶¶1–19; particularly ¶¶16–18. HTML. | Majority body freshly read. No official-host or later-history certification; underlying opinions quoted by *Lund* were not separately treated as freshly read authorities. [Justia Law+1](https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html) |\n| **S_ND-P2-S020** | ND Legislative Council, **Uniform Debt-Management Services Act memorandum**, Sept.2009. https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf | Historical committee memorandum, pp.1–2/indices0–1. Discusses a model act, not enacted current ND wording. | Fresh selected read and visual inspection; used only as a lead to the1993 enactment. No model-act refund or fee rule adopted by inference. [North Dakota Legislative Branch+2](https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf) |\n| **S_ND-P2-S021** | ND Legislative Assembly, **1993 Session Laws index**. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws | Historical-publication navigation; “Session Laws Resources.” HTML. | Fresh discovery/navigation read leading to S022/S012; not a separate substantive enactment. [North Dakota Legislative Branch](https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws) |\n| **S_ND-P2-S022** | ND Legislative Assembly, **1993 Session Laws—Chapter Categories**. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories | “Debtor and Creditor Relationships,” Chapters136–139. HTML. | Fresh discovery read; actual enacted wording taken from S012, not this index. [North Dakota Legislative Branch](https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories) |\n| **S_ND-P2-S023** | ND Courts, **New Opinions: February5,2026**. https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026 | Official news/highlights page, including a contract-related opinion link. HTML. | Discovery only. The linked opinion body failed at S024; no headline or summary was used as a majority holding. [North Dakota Courts](https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026) |\n\n## B.3 Source-access failures and recovery limits\n\nThese entries are part of the source register, but **not read legal authorities**.\n\n| Source ID / complete attempted URL | Route status and actual failure | Consequence and exact next evidence needed |\n| --- | --- | --- |\n| **S_ND-P2-S024** — https://www.ndcourts.gov/supreme-court/opinions/203738 | Actual opinion link discovered through S023; **403 response**, no majority body read. Printed page/index and operative wording unverified. | No holding used. An accessible public copy of the published opinion would be needed before relying on it; no docket-status search is required. |\n| **S_ND-P2-S025** — https://attorneygeneral.nd.gov/opinions-search/ | Actual public navigation link; fetch failed/timed out. No result body read. | The selected cumulative index does not cure the missing search. A functioning public opinions search or an identifiable published opinion body is needed. |\n| **S_ND-P2-S026** — https://www.nd.gov/dfi/laws-and-regulations | **Reconstructed locator**, not a verified issued document; tool could not open it. | No absence-of-rule inference. Follow actual DFI navigation to any published formal interpretation or final rulemaking. |\n| **S_ND-P2-S027** — https://attorneygeneral.nd.gov/legal-opinions/ | **Reconstructed locator** failed. | Generic-page gap recovered through the actual S016 route; the S025 search-function gap remains. |\n| **S_ND-P2-S028** — https://ndlegis.gov/assembly/53-1993/session-laws | **Reconstructed locator** failed. | Historical route recovered through S021–S022 and actual enactment S012. No remaining enactment-body gap for the selected1993 clauses. |\n\nNo failed route was converted into evidence that an interpretation, rule, or document does not exist.\n\n# C. Atomic claim register\n\n**Confidence convention:** **High—text** means the proposition is directly supported by the selected current text or the described published holding. **Conditional** means legal applicability or transaction facts remain unproved. **Held** means the requested interpretation was not established. All current-code claims retain the currentness limits in C043.\n\n## C.1 Installment and federal interaction claims\n\n| Claim ID | Precise proposition | Source and pinpoint | Conditions/confidence |\n| --- | --- | --- | --- |\n| **S_ND-P2-C001** | The statutory enrolled amount, savings, and settlement-fee definitions are distinct; a completed agreement is not an express substitute for §21’s collection condition. | S001, §13-11-01(11),(13)–(14), §21(4). [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; earning/collection distinction requires contract facts. |\n| **S_ND-P2-C002** | Collection requires an enforceable specific-dollar full-satisfaction agreement and provision of the specified funds. | S001, §13-11-21(4). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; installment application held. |\n| **S_ND-P2-C003** | Creditor-certified installment plans are recognized separately in the prohibited-practices provision. | S001, §13-11-23(1)(k). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; no express fee-timing exception there. |\n| **S_ND-P2-C004** | No recovered authority resolves first-installment collection; withholding collection until full specified funding is a conservative boundary, not a court holding. | S001 §§21(4),23(1)(k); S003 §§1-02-02–08; search limits S013–S017,S025–S026. | Held; no statutory pro-rata installment-earning schedule identified. |\n| **S_ND-P2-C005** | Settlement fees are limited to30% of statutory savings; payment exceeding enrolled principal yields no fee. | S001, §13-11-21(3), §01(13). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; lower contractual limits still matter. |\n| **S_ND-P2-C006** | When applicable, TSR fee eligibility requires a valid customer-executed debt-alteration agreement and at least one payment under it. | S010, §310.4(a)(5)(i)(A)–(B). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Conditional federal coverage; not state permission. |\n| **S_ND-P2-C007** | Individually resolved debts require proportional enrolled-balance allocation or the same percentage-of-savings method across debts. | S010, §310.4(a)(5)(i)(C). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Conditional; methods cannot be switched opportunistically to justify prior fees. |\n| **S_ND-P2-C008** | The federal account provision requires all five conditions, including independent administration, consumer interest, and return within seven business days of withdrawal request. | S010, §310.4(a)(5)(ii)(A)–(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Conditional; account label alone insufficient. |\n| **S_ND-P2-C009** | State cancellation-refund and federal account-return rules have different triggers and units; neither establishes the other’s compliance. | S001 §20(3); S010 §310.4(a)(5)(ii)(E). [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; no bank-processing rule inferred. |\n\n## C.2 Chapter 13-11 cancellation and invalidity claims\n\n| Claim ID | Precise proposition | Source and pinpoint | Conditions/confidence |\n| --- | --- | --- | --- |\n| **S_ND-P2-C010** | Ordinary cancellation requires refund of unearned compensation and settlement funds not actually paid to creditors under the contract. | S001, §§19(3)(n),20(1)–(2). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; valid earned fees treated separately. |\n| **S_ND-P2-C011** | A material violation independently triggers §20(2)’s refund duty “at any time.” | S001, §20(2). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; materiality and earning consequences fact-dependent. |\n| **S_ND-P2-C012** | The express seven-day refund/accounting clock starts after cancellation notice; no separate violation-only clock is specified. | S001, §20(3). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; non-cancellation timing remains held. |\n| **S_ND-P2-C013** | Cancellation revokes powers of attorney/direct-debit authority and requires timely creditor notice; post-termination transfers remain restricted. | S001, §§20(2),(4),23(1)(d)–(e). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; entitlement does not restore revoked debit authority. |\n| **S_ND-P2-C014** | The application-fee refund exception does not independently establish authorization to charge that consumer fee. | S001 §§20–21; S003 §§1-02-02–08. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) | Held interpretation; no authorized consumer application fee established. |\n| **S_ND-P2-C015** | The application-fee exception and exclusive fee restrictions coexisted in the original2011 enactment. | S011, §2, original §§20–21, pp.12–13/indices11–12. [North Dakota Legislative Branch+1](https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf) | High—historical text; no intent inferred from coexistence alone. |\n| **S_ND-P2-C016** | The $400 investigation fee is paid by the license applicant to the state, not authorized as a consumer application charge. | S001 §04; S013 debt-settlement fee instructions. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) | High—text. |\n| **S_ND-P2-C017** | Unauthorized fees/payments under §§21–22 make the contract void, with recovery referenced to §20. | S001, §28(1). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; complete recovery amount not automatic. |\n| **S_ND-P2-C018** | Required-license absence at assent makes the contract void; the provider’s breach/restitution bar expressly applies to that branch. | S001, §28(2)–(3). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; actual license status not queried. |\n| **S_ND-P2-C019** | A contract entered in violation of §19 is voidable under that section. | S001, §19(2). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; distinct from §28 voidness. |\n| **S_ND-P2-C020** | Withdrawal does not prove earning; retention of earlier fees after material violation or voidness requires branch-specific analysis. | S001 §§19–21,28. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c11.pdf) | Conditional; neither universal retention nor universal forfeiture established. |\n\n## C.3 Chapter 13-07 fee and cancellation claims\n\n| Claim ID | Precise proposition | Source and pinpoint | Conditions/confidence |\n| --- | --- | --- | --- |\n| **S_ND-P2-C021** | An origination fee up to$50 may be deducted from the initial payment. | S002, §13-07-06, p.1/index0. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; authorization does not establish nonrefundability. |\n| **S_ND-P2-C022** | Up to15% of a sum deposited for distribution may be retained as partial payment of the total fee. | S002, §06, p.1/index0. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; base and contract ceiling still matter. |\n| **S_ND-P2-C023** | The disclosed full-performance total does not itself establish acceleration or earning of its unpaid remainder upon cancellation. | S002, §§02,06. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | Conditional; actual earning/collection clauses absent. |\n| **S_ND-P2-C024** | Gross-versus-post-origination application of15% remains unresolved by recovered authority. | S002 §06; S012 §6; S014,S016–S017. | Held; numerical alternatives are not a lawful range. |\n| **S_ND-P2-C025** | A general right—or general prohibition—to collect every residual fee outside deposits was not established. | S002, §§02,06. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | Held; “partial payment” does not settle earning or collection. |\n| **S_ND-P2-C026** | Original1993 law contains the same material$50/15% and notice/distribution wording. | S012, Chapter139 §§2,6, pp.595–596/indices3–4. [ndlegis.gov](https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf) | High—historical text; does not resolve ambiguity. |\n| **S_ND-P2-C027** | Any debtor/on-behalf payment received must enter identifiable, noncommingled trust funds within one business day. | S002, §04. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; separate fee billing does not avoid the receipt rule. |\n| **S_ND-P2-C028** | Weekly statements must be prepared; a debtor’s copy is available upon request. | S002, §05. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; not mandatory automatic weekly delivery. |\n| **S_ND-P2-C029** | Before automatic termination, either party may cancel without cause on30days’ written notice of intent. | S002, §06, pp.1–2/indices0–1. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; actual effective date depends on notice/contract facts. |\n| **S_ND-P2-C030** | Creditor notice is required within30days in the event of cancellation. | S002, §06, p.2/index1. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; no actual cancellation date established. |\n| **S_ND-P2-C031** | The45-day period runs from deposit and concerns creditor distribution according to the agreement. | S002, §06; S018 ¶22. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c07.pdf) | High—text; not a universal cancellation-refund period. |\n| **S_ND-P2-C032** | Chapter13-07 supplies no express universal unearned-fee formula, cancellation-refund deadline, or automatic all-fee refund rule. | S002, complete chapter. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c07.pdf) | Bounded negative textual finding; other law may govern. |\n| **S_ND-P2-C033** | Actual earning, cancellation, and pending-funds clauses are necessary to calculate a contractual refund, subject to lawful whole-contract interpretation. | S002 §02; S004 §§9-07-02–08,19. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c07.pdf) | Conditional; no private contract supplied. |\n| **S_ND-P2-C034** | Section9-07-22 supplies unspecified-performance timing only after the obligation and, for immediate money payment, exact amount are established. | S004, §9-07-22, p.2/index1. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c07.pdf) | Conditional; not an independent refund entitlement. |\n| **S_ND-P2-C035** | Illegality, exculpation, and penalty rules constrain actual fee/cancellation clauses but do not decide an unseen clause. | S005, §§9-08-01–04. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c08.pdf) | Conditional; no automatic whole-contract outcome asserted. |\n\n## C.4 Trust, restitution, authority, and research-limit claims\n\n| Claim ID | Precise proposition | Source and pinpoint | Conditions/confidence |\n| --- | --- | --- | --- |\n| **S_ND-P2-C036** | Uniform Trust Code scope has express exclusions; a counseling trust-account label does not establish coverage. | S007, §59-09-02. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t59c09.pdf) | High—text; actual account classification held. |\n| **S_ND-P2-C037** | If applicable, trust termination requires expeditious distribution with the statutory reserve qualification; the objection procedure is not a refund deadline. | S008, §59-16-17(1)–(3). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t59c16.pdf) | Conditional; no new consumer-fee authority created. |\n| **S_ND-P2-C038** | Rescission requires a qualifying ground and compliance with promptness/restoration rules, subject to statutory exceptions. | S006, §§9-09-02,04; cross-reference checked in S005. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t09c09.pdf) | Conditional; ordinary cancellation is not automatic rescission. |\n| **S_ND-P2-C039** | Unjust enrichment is fact-dependent and is not established simply by payment followed by cancellation. | S019, ¶¶16–18. [Justia Law](https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html) | Published majority application; later-history certification held. |\n| **S_ND-P2-C040** | *Heitkamp* upheld the closed-account noncompliance finding but did not establish a universal cancellation-refund formula. | S018, ¶¶22–24. [Justia Law](https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html) | Source-limited holding; historical facts not current nonprofit requirement. |\n| **S_ND-P2-C041** | AG enforcement can support court-ordered restoration upon the required unlawful-practice showing; penalty maxima are not automatic consumer awards. | S002 §07; S009 §51-15-07. [North Dakota Legislative Branch+1](https://ndlegis.gov/cencode/t13c07.pdf) | Conditional; no actual proceeding or entitlement adjudicated. |\n| **S_ND-P2-C042** | The inspected generic materials and selected public searches yielded no responsive formal resolution of the four ambiguities. | S013–S017; failures S025–S026. | Limited search result, not proof no authority exists. |\n| **S_ND-P2-C043** | Fresh canonical-code access does not establish a complete later-law audit; the AG index has conflicting displayed versions. | S001–S017, particularly S017. [North Dakota Attorney General+1](https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf) | Currentness limitation expressly retained. |\n| **S_ND-P2-C044** | The two relied-on opinion bodies were read on Justia; official-host and complete later-history verification remain held. | S018–S019. | Provenance limitation; no unpublished-opinion rule invoked. |\n| **S_ND-P2-C045** | State statutory day computation generally excludes the first day and includes the last, subject to §1-02-15’s holiday rule. | S003, §1-02-15, p.3/index2. [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t01c02.pdf) | High—text; not applied to federal business-day computation. |\n| **S_ND-P2-C046** | Settlement above50% of enrolled principal requires consumer assent after creditor assent. | S001, §13-11-23(1)(b). [North Dakota Legislative Branch](https://ndlegis.gov/cencode/t13c11.pdf) | High—text; assumed expressly where used in examples. |\n\n# D. Source-limited published-case comparison\n\n| Published case | Facts, posture, and exact majority material read | Relevant holding and disposition | Limits and later-history status |\n| --- | --- | --- | --- |\n| **State ex rel. Heitkamp v. Family Life Services, Inc.**, ND Supreme Court, **Aug.31,2000**, **2000ND166,616N.W.2d826**. **S018.** | AG action involving counseling-service funds and organizational governance; appeal from judgments concerning directors and corporate control. Selected majority ¶¶1–8,15–24,43–45,56 and disposition read. Paragraph22 addresses **$7,326.07** left in a closed client trust account, including uncashed-check explanations and failure to determine rightful owners. | The Supreme Court upheld the supported finding of §13-07-06 noncompliance and the relevant misappropriation findings. **Affirmed in part, reversed in part, and remanded**; the reversal concerned the board-reconstitution remedy, not wholesale rejection of the funds discussion. [Justia Law+2](https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html) | Does not decide gross/net origination calculations, residual fees, or a universal cancellation-refund deadline. Historical nonprofit facts are not current eligibility requirements. Fresh read was on **Justia**, not the official host. Complete later history and modern constitutional validity of unrelated portions were **not checked**. |\n| **Lund v. Lund**, ND Supreme Court, **June24,2014**, **2014ND133**. **S019.** | Family-services/property dispute; following a bench trial, claimant appealed rejection of implied-contract and unjust-enrichment theories. Majority ¶¶1–19 read, especially ¶¶16–18. | The court applied the elements of unjust enrichment and held the benefits were not inequitable to retain on the facts, including reciprocal benefits. **Judgment affirmed.** [Justia Law+1](https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html) | Not a debt-counseling fee case. Supports a conditional restitution framework, not a counseling refund amount. Fresh read was on **Justia**. Complete later history and official-host verification remain **held**. Cases quoted within *Lund* were not separately claimed as freshly read. |\n\nNo unpublished decision is relied upon. No blanket unpublished-opinion citation rule is asserted. Neither case was investigated through a docket, case-status, or private-record query.\n\n# E. Conditional worked models\n\nThese models supplement rather than replace P01’s examples. All figures are **USD**, calculated to the nearest cent; the displayed operations produce exact cents. Arithmetic does not establish a license, exemption, lawful account, valid contract, or earned fee.\n\n## Model 1 — Installment settlement: federal eligibility is not state permission\n\n**Hypothetical contractual facts**\n\n- One enrolled debt: **$10,000.00**.\n- Creditor-certified settlement: **three payments of $2,000.00**, totaling **$6,000.00**.\n- Contract fee: the lesser of **$1,200.00** or **30% of actual statutory savings**, payable only when legally permitted.\n- No previous fee has been collected.\n- Because settlement is60% of enrolled principal, assume the consumer assented **after** the creditor.\n- Assume TSR coverage solely for this model.\n\n**Full-settlement calculation**\n\nPlain text\n```\nEnrolled balance                         $10,000.00\nLess full settlement amount              $6,000.00\nSavings                                  $4,000.00\n\n$4,000.00 × 0.30 =                        $1,200.00 state ceiling\nContract fee = min($1,200.00, $1,200.00) = $1,200.00\n```\n\n**After only the first $2,000 payment**\n\nAssuming the valid customer-executed agreement and first-payment conditions, the federal proportional-allocation calculation for this single-debt program is:\n\nPlain text\n```\n$1,200.00 total fee × ($10,000.00 ÷ $10,000.00) = $1,200.00\n```\n\nThat calculation does **not** establish North Dakota collection permission. The first-installment interpretation remains held. Under the conservative state boundary, **no fee collection is approved at that point**. Nothing establishes a $400 installment fee merely because one-third of the settlement has been paid. **C002–C007.**\n\n**After the full $6,000 is provided**\n\nThe possible fee is $1,200, but only if the remaining state, contractual, and applicable federal requirements are satisfied. This is not automatic earning from balance conservation.\n\n**Smaller failure branches**\n\n- Money merely accumulated without the required enforceable agreement does not establish the state trigger.\n- If the actual full-satisfaction amount becomes **$9,000**, savings are **$1,000** and the contractual/state ceiling becomes **$300**, not $1,200.\n- If the satisfaction amount equals the enrolled balance, savings and the percentage fee are zero.\n- Calculating “savings” as $10,000−$2,000 after the first installment would incorrectly treat the unpaid remainder of the settlement as savings. **C001, C005.**\n\n## Model 2 — Cancellation after one settled debt: consistent method and prior fee\n\n**One method throughout:**30% of actual statutory savings on each qualifying completed debt.\n\n**Enrolled debts and contractual total**\n\n| Item | Debt A | Debt B |\n| --- | --- | --- |\n| Enrolled balance | $5,000.00 | $10,000.00 |\n| Actual completed settlement | $3,000.00 | None |\n| Actual qualifying savings | $2,000.00 | None established |\n| Fee earned under the assumed lawful predicates | $600.00 | $0.00 |\n\nThe contract’s total fee is the sum produced by that same30%-of-savings formula—not an unrelated fixed enrolled-balance charge. A good-faith estimate of **$1,800** could have assumed A settled for$3,000 and B for$6,000:\n\nPlain text\n```\nDebt A: ($5,000 − $3,000) × 30% =   $600\nDebt B estimate: ($10,000 − $6,000) × 30% = $1,200\nEstimated full-program fee =       $1,800\n```\n\nThe estimate does not make B’s $1,200 earned or payable.\n\nAssume A’s full settlement was paid, the consumer gave the required post-creditor assent, and all state, contract, and applicable federal conditions for its $600 fee were met.\n\n**Ledger before ordinary cancellation**\n\nPlain text\n```\nTotal consumer money received       $4,800.00\nPaid to creditor A                  $3,000.00\nLawfully earned fee A                 $600.00\nUncommitted settlement funds         $1,200.00\nCheck: 3,000 + 600 + 1,200 =          $4,800.00\n```\n\nOn ordinary cancellation, the model identifies **$1,200** for return and **$600** as retainable under the assumed lawful earning predicates. The $3,000 actually paid to creditor A is not included in the ordinary settlement-account refund. The state refund/accounting clock is seven days after cancellation notice. **C010, C012, C020.**\n\n**Unauthorized later-fee branch**\n\nSuppose the provider already took **$300 for unresolved Debt B** from that same $1,200:\n\nPlain text\n```\nPending money still held             $900.00\nUnearned B fee withdrawn             $300.00\nIdentified return components       $1,200.00\n```\n\nThe arithmetic does not settle the whole legal result. Imposition of an unauthorized fee implicates §13-11-28(1)’s void-contract branch, so continued retention of the earlier $600 cannot simply be assumed. Nor does that fact alone prove a particular additional award or recovery of creditor A’s $3,000. **C017, C020.**\n\n**Other failure branches**\n\n- If A received only an installment, the model’s premise that $600 was previously lawfully earned fails.\n- A material-violation claim without cancellation notice does not supply a separately stated seven-day start date.\n- The provider may not switch B to a different allocation method to manufacture a fee.\n- No consumer application-fee deduction has been established.\n\n## Model 3 — First Chapter 13-07 payment: two calculations, no approved range\n\n**Inputs:** initial payment **$400**; proposed origination fee **$50**; percentage **15%**. Assume no lower contractual cap solely to isolate the ambiguity. Federal timing, if applicable, remains an additional condition.\n\n**Net-base interpretation**\n\nPlain text\n```\n$400.00 − $50.00 = $350.00\n$350.00 × 0.15 = $52.50\nTotal retained: $50.00 + $52.50 = $102.50\nCreditor distribution: $350.00 − $52.50 = $297.50\n```\n\n**Gross-base interpretation**\n\nPlain text\n```\n$400.00 × 0.15 = $60.00\nTotal retained: $50.00 + $60.00 = $110.00\nCreditor distribution: $400.00 − $50.00 − $60.00 = $290.00\n```\n\n**Legal result:** neither branch has been officially selected by recovered authority. These are **not** endpoints of an authorized $102.50–$110 range. **C021–C025.**\n\n**Smaller initial-payment branch: $100**\n\nPlain text\n```\nNet:   ($100 − $50) × 15% = $7.50\n       Retained $57.50; creditor amount $42.50.\n\nGross: $100 × 15% = $15.00\n       Retained $65.00; creditor amount $35.00.\n```\n\nThe same legal hold remains.\n\n**Different transaction—not the same $400 input**\n\nIf the consumer separately pays$50 origination **and** deposits$400 for distribution, total consumer cash is$450:\n\nPlain text\n```\n$400 × 15% = $60\nTotal retained = $50 + $60 = $110\nCreditor distribution = $340\n$110 + $340 = $450\n```\n\nThat does not resolve the original gross/net question, and the separate$50 receipt still falls within the trust-receipt analysis.\n\n**Residual-fee failure branch**\n\nA disclosed full-performance total of$600 minus$350 previously retained equals$250 arithmetically. It does not prove that$250 is earned, accelerated, or collectible outside deposits after cancellation. With no qualifying distribution deposit, the15%-of-deposit calculation itself has a zero base; it does not create a different fee entitlement.\n\n## Model 4 — Chapter 13-07 cancellation with prior fees and pending funds\n\n**Hypothetical terms and transactions**\n\n- Disclosed total fee cap: **$200, inclusive of origination**.\n- Actual earning/refund clauses: not supplied.\n- Separately paid origination: **$50**.\n- Later distribution deposit: **$1,000**.\n- Previously retained from that deposit: **$150**.\n- Paid to creditors: **$850**.\n- Additional pending trust money: **$200**.\n\nPlain text\n```\nTotal consumer receipts: $50 + $1,000 + $200 = $1,250\nPrior retained fees:     $50 + $150 =           $200\nCreditor payments:                              $850\nPending money:                                  $200\nCheck: $200 + $850 + $200 =                    $1,250\n```\n\n**No automatic additional percentage fee**\n\nPlain text\n```\n15% × $200 pending deposit = $30\nRemaining contractual capacity:\nmax($200 cap − $200 already retained, $0) = $0\n```\n\nEven before deciding refundability, this model supplies no contractual capacity for an additional$30. The provider cannot turn the balance into a$170 refund merely by applying15% again.\n\n**Conditional refund branches—not a legally approved range**\n\n- If the prior$200 is established as lawfully earned and nonrefundable, and the pending$200 is uncommitted and returnable to the debtor, the identified return is **$200**.\n- If a legal/contractual determination also makes the$50 origination unearned, the arithmetic becomes **$250**.\n- If the$150 service retention is instead established as unearned, the arithmetic becomes **$350**.\n- If both components must be returned, it becomes **$400**.\n\nNone of those earning/refund determinations follows merely from withdrawal of the money. **C032–C035.**\n\nThe$850 already paid to creditors is not still in the provider’s trust balance. Any attempt to undo that benefit through rescission or another remedy requires separate legal predicates and facts; it is not automatically added to the ordinary pending-funds calculation.\n\nNo universal seven-,30-, or45-day cancellation-refund deadline is established for this model. Contract timing, §9-07-22, and—only if applicable—trust-termination law require the missing facts identified above. **C029–C038.**\n\n# F. Every-subquestion coverage and remaining-evidence table\n\n| ID / subquestion | Status | Claims | Exact remaining evidence or next investigation |\n| --- | --- | --- | --- |\n| **G01 — Defined balance, savings, and state collection trigger** | **Answered at text level** | C001–C002 | Actual contract/settlement facts needed only for application. |\n| **G02 — Creditor-certified installment-plan recognition** | **Answered** | C003 | Does not establish fee collection after an installment. |\n| **G03 — First-installment fee collection** | **Unresolved** | C004 | Published formal interpretation or majority holding applying “those funds” to installment performance. |\n| **G04 — Authoritative reconciliation of §§21(4)/23(1)(k)** | **Unresolved** | C004,C042 | Responsive DFI interpretation, published opinion, or final rulemaking body; generic pages insufficient. |\n| **G05 — Conditional TSR earning/allocation** | **Answered conditionally** | C006–C007 | Actual federal coverage and same-method contractual allocation facts. |\n| **G06 — Conditional federal account conditions** | **Answered conditionally** | C008–C009 | Actual administrator independence, ownership, interest, referrals, and withdrawal terms. |\n| **G07 — Ordinary Chapter13-11 cancellation** | **Answered at text level** | C010,C012 | Actual cancellation event and lawful earned-fee calculation. |\n| **G08 — Material-violation-only timing** | **Partial** | C011–C012 | Authority establishing a clock without cancellation notice; actual violation/materiality. |\n| **G09 — Consumer application-fee exception** | **Unresolved; no permission established** | C014–C015 | Authoritative explanation reconciling §§20–21; original enactment does not supply intent. |\n| **G10 — Provider-to-state$400 distinction** | **Answered** | C016 | No consumer pass-through authorization established. |\n| **G11 — Earlier fee after violation/voidness** | **Partial** | C020 | Nature of violation, earning facts, and controlling interpretation of the recovery branch. |\n| **G12 — Money already paid to creditors** | **Answered for ordinary account refund** | C010 | Different recovery theories remain outside the ordinary refund calculation. |\n| **G13 — Unauthorized-fee voidness** | **Partial** | C017,C020 | Actual unauthorized charge and branch-specific treatment of other fees. |\n| **G14 — Unlicensed-contract voidness** | **Answered as statutory branch** | C018 | Actual licensing facts expressly not queried. |\n| **G15 — §19 voidability** | **Answered as statutory branch** | C019 | Actual contract defect and exercise/consequences of avoidance. |\n| **G16 — Revocation, transfers, creditor notice** | **Answered at text level** | C013 | Actual authority, termination, communication, and transfer facts. |\n| **G17 — State cap and above50% assent** | **Answered** | C005,C046 | Actual enrolled amounts, satisfaction payment, and assent sequence. |\n| **G18 — Chapter13-07$50 and15% ceilings** | **Answered at text level** | C021–C022 | Lower contract caps and federal timing remain separate. |\n| **G19 — Initial gross/net base** | **Unresolved** | C024 | Official interpretation or controlling published decision selecting the base. |\n| **G20 — Separate origination receipt** | **Partial** | C021,C027 | Actual payment allocation and applicable earning/refund terms; trust receipt rule established. |\n| **G21 — Non-deposit residual collection** | **Unresolved** | C025 | Authoritative interpretation and actual separate-collection/earning clause. |\n| **G22 — Full-performance total versus cancellation balance** | **Partial** | C023,C033 | Actual total-fee definition, apportionment, acceleration, and cancellation clauses. |\n| **G23 — Original1993 fee wording** | **Answered historically** | C026 | Original effective-date reconstruction not necessary to, and not completed for, current formula issue. |\n| **G24 — Chapter13-07 cancellation notice** | **Answered at text level** | C029 | Actual notice delivery, effective date, and automatic-termination terms. |\n| **G25 — Chapter13-07 creditor notice** | **Partial in application** | C030 | Operative cancellation event; no actual date or compliance finding. |\n| **G26 —45-day distribution/closed-account treatment** | **Answered within bounds** | C031,C040 | No universal cancellation-refund rule derived; actual allocation facts still needed. |\n| **G27 — Recipient of pending funds** | **Partial** | C032–C034,C036 | Ownership terms, surviving creditor directions, pending checks, and account structure. |\n| **G28 — Prior fee earning/refund deductions** | **Unresolved for an actual transaction** | C032–C035 | Earning milestones, performance, refund/nonrefundability clauses, and lawful deductions. |\n| **G29 — Contract-based refund deadline** | **Partial** | C034 | Established refund obligation, exact amount, and any lawful specified performance time. |\n| **G30 — Uniform Trust Code applicability** | **Unresolved for an actual account** | C036–C037 | Trust/account instruments, administrator role, exclusions, and termination event. |\n| **G31 — Rescission/unjust-enrichment remedy** | **Partial gateway only** | C038–C039 | Grounds, restoration, reciprocal benefits, contractual/legal remedies, and actual loss. |\n| **G32 — AG restoration** | **Partial gateway only** | C041 | Actual unlawful conduct and appropriate court relief; no award assumed. |\n| **G33 — State/federal time units** | **Answered** | C009,C045 | Actual dates needed for any deadline calculation; bank-transfer mechanics not established. |\n| **G34 — Formal-interpretation/currentness/citator completeness** | **Partial** | C042–C044 | Resolve AG index version conflict/search failure; recover responsive formal bodies and complete relevant later-history checks. |\n| **G35 — Professional exceptions, CROA, credit-repair overlap** | **Excluded absent material facts** | Scope limitation | Actual professional relationship, services, representations, and coverage facts required; no exemption assumed. |\n| **G36 — Broader dossier and actual authorization** | **Excluded/reserved** | Scope limitation | Provider classification beyond necessary clauses, full agreements/funds/bonds/security/remedies, collection/licensing/validation/reporting, courts/limitations/garnishment, secured sectors, local/tribal/country issues, state-parent/A066 acceptance, operations, and publication remain open. |\n\n# G. Researcher self-check\n\n**What was freshly read:** The complete two-page Chapter13-07; selected controlling Chapter13-11 definitions and interacting contract, cancellation, fee, practice, and invalidity clauses; the identified contract, rescission, statutory-construction, trust-scope, trust-distribution, and AG-restoration provisions; complete relevant TSR earning/allocation/account conditions; selected original1993 and2011 enactments; generic agency instructions and indices; and the identified majority-opinion passages.\n\n**PDF verification:** Relevant operative pages were inspected visually as well as through extracted text. The AG cumulative-index cover produced an express parsed-text/rendered-image version conflict, which remains recorded rather than silently resolved.\n\n**What was not established:** A responsive formal interpretation resolving any of the four ambiguities; a complete later-law or citator search; actual contract/account/fee-earning facts; professional or federal coverage; any provider’s authorization; or a guaranteed refund, award, or lawful deduction.\n\n**Fresh versus reused:** P01’s supplied reviewed propositions and provenance defined this pass’s boundaries. Fresh conclusions rely on the sources registered here. The previous official *Heitkamp* route failure, NMLS-body gap, historical2013 effective-date issue, and January/September2026 session-law and full later-law/citator holds were not relabeled as newly completed work.\n\n**Register counts:** **28 source/route entries**:23 returned readable substantive, index, or discovery content;5 failed routes. Discovery materials and indices are not counted as substantive interpretations. There are **46 claim entries**, **36 coverage entries**, **2 published-case comparisons**, and **4 principal worked models** with additional failure branches.\n\nThis is researcher self-checking, **not independent review**. No local writes, hashes, provider approval, publication readiness, or new UI model/tier verification is claimed.\n\n**Final component disposition:** The state texts and conditional legal avenues are now more precisely separated, but the installment, application-fee, gross/net/residual-fee, and Chapter13-07 transaction-specific refund questions remain subject to the exact holds identified above. No state-parent or A066 acceptance follows.\n\nEND S_ND PASS-02.\n\n","tables":[{"headers":["Reviewed P01 remainder","What PASS-02 establishes","What remains held"],"index":0,"links":[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+2"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+2"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"}]],"rows":[["Reviewed P01 remainder","What PASS-02 establishes","What remains held"],["Chapter 13-11 installment timing: creditor-certified payment plans are recognized, but interaction with the fee-collection condition is unresolved.","Recognition of an installment settlement under §13-11-23(1)(k) is not itself an express exception to §13-11-21(4). The statute does not supply a proportional installment-earning schedule. Federal first-payment compliance cannot establish state compliance. C001–C009.","Whether providing only the first installment satisfies the state phrase “those funds are provided.” No responsive formal interpretation or published majority holding was recovered. The conservative boundary remains to withhold collection until the entire specified settlement amount has been provided and the other conditions are satisfied. \nNorth Dakota Legislative Branch\n+1"],["Chapter 13-11 application-fee/cancellation inconsistency.","The inconsistent application-fee exception and restrictive fee section coexisted in the original 2011 enactment. Ordinary cancellation, material violation, unauthorized-fee voidness, unlicensed-contract voidness, and §13-11-19 voidability have distinct consequences. The express seven-day clock starts with cancellation notice. C010–C020.","No independent authorization for a consumer application fee; no separately stated clock-start event for a material-violation-only refund; no automatic resolution of previously earned fees after contract voidness. \nNorth Dakota Legislative Branch\n+2"],["Chapter 13-07 initial gross/net base and non-deposit residual fees.","The current $50/15% language was present in the original 1993 enactment. The contract must disclose the total retainable amount upon full performance. That disclosure does not itself establish an accelerated balance due on cancellation. C021–C028.","Gross versus post-origination base remains unresolved. “Partial payment” does not establish an unrestricted right to collect a residual fee outside deposits. The two calculations are alternatives for analysis—not a legally permitted range. \nNorth Dakota Legislative Branch\n+1"],["Chapter 13-07 cancellation/refunds.","The chapter’s cancellation, creditor-notice, and distribution clocks are distinct. General contract, rescission, restitution, and potentially trust law provide conditional avenues for determining obligations. Heitkamp rejects leaving closed-account client funds unresolved, but does not establish a universal cancellation-refund deadline. C029–C045.","The actual recipient, earned-fee amount, deductions, refund amount, and applicable deadline require facts and contractual terms not supplied. Uniform Trust Code applicability cannot be assumed merely from the account’s “trust” label. \nJustia Law\n+2"]]},{"headers":["Event","Established consequence","Important limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Event","Established consequence","Important limitation"],["Ordinary consumer cancellation before full performance","§§13-11-19(3)(n) and 20 require return of unearned compensation and settlement-account funds not paid to creditors; an actually earned settlement fee is treated separately.","Prior withdrawal or bookkeeping recognition does not prove a fee was lawfully earned. Funds actually paid to a creditor under the contract are excluded from this ordinary account-refund calculation. C010, C020."],["Material violation, including without an ordinary cancellation","§13-11-20(2) creates a refund trigger “at any time” upon a material violation.","The statutory exception for an earned settlement fee remains in the text. The violation may affect whether that fee was lawfully earned, but neither automatic retention nor automatic forfeiture of every prior fee is established for every violation. C011, C020."],["Cancellation notice given","§13-11-20(3) requires the refund and full statement of account within seven days after the notice.","This is the express clock-start event. The section does not separately specify the start of a clock when relief rests only on a material violation or voidness and no cancellation notice has been given. C012."],["Unauthorized fee or payment under §§13-11-21–22","§13-11-28(1) makes the contract void and directs recovery through §13-11-20.","That cross-reference does not by itself resolve the treatment of every otherwise-earned earlier fee or authorize recovery of every amount already paid to creditors. C017, C020."],["Provider lacked a required license when the individual assented","§13-11-28(2) makes the contract void. Subsection (3) bars the provider’s breach-of-contract or restitution claim against the individual for that branch.","The explicit subsection (3) bar is tied to subsection (2); it should not silently be generalized to every other invalidity branch. C018."],["Contract entered in violation of §13-11-19","Section 13-11-19(2) calls the contract voidable.","“Voidable” is not interchangeable with the automatic “void” language in §13-11-28. C019."]]},{"headers":["Duty","Statutory event and time","What it does not establish"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Duty","Statutory event and time","What it does not establish"],["Deposit received money into trust","Within one business day of receipt, §13-07-04","When the provider earns a fee or when cancellation refunds are due."],["Prepare accounting","Weekly; copy available to debtor upon request, §13-07-05","Automatic weekly delivery or a refund calculation."],["Distribute the remainder to listed creditors","Within 45 days after the debtor’s deposit, according to the agreement, §13-07-06","A universal 45-day refund period after cancellation."],["Without-cause cancellation before automatic termination","30 days’ written notice of intent to cancel, §13-07-06","Immediate termination in every circumstance or automatic forfeiture of all prior fees."],["Creditor notice","Within 30 days in the event of cancellation, §13-07-06","An automatic substitution of the date notice was mailed for the legally operative cancellation event."],["Return money or refund fees after cancellation","No specific formula or number of days is stated in Chapter 13-07","Importation of Chapter 13-11’s seven-day refund provision."]]},{"headers":["Source ID","Issuer, title, and complete literal URL","Version/status and exact pinpoint","Actual read bounds"],"index":3,"links":[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+2"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+2"},{"href":"https://ndlegis.gov/cencode/t01c02.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t09c08.pdf","text":"North Dakota Legislative Branch\n+2"},{"href":"https://ndlegis.gov/cencode/t09c09.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t59c09.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t59c16.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t51c15.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf","text":"North Dakota Legislative Branch\n+2"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+2"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+2"}],[{"href":"https://ndlegis.gov/cencode/t01c02.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t09c08.pdf","text":"North Dakota Legislative Branch\n+2"}],[{"href":"https://ndlegis.gov/cencode/t09c09.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t59c09.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t59c16.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t51c15.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf","text":"North Dakota Legislative Branch\n+2"}]],"rows":[["Source ID","Issuer, title, and complete literal URL","Version/status and exact pinpoint","Actual read bounds"],["S_ND-P2-S001","ND Legislative Council, N.D.C.C. Ch. 13-11, Debt-Settlement Providers. https://ndlegis.gov/cencode/t13c11.pdf","Current canonical code; no discrete compilation date shown. Definitions §01(8)–(14): p.3/index2; §04: p.4/index3; §19: pp.10–11/indices9–10; §§20–22: p.11/index10; §23: pp.11–13/indices10–12; §28: p.14/index13.","Fresh selected operative clauses and necessary cross-references read; relevant PDF pages visually inspected. Not a rerun of all provider-access issues. \nNorth Dakota Legislative Branch\n+2"],["S_ND-P2-S002","ND Legislative Council, N.D.C.C. Ch. 13-07, Consumer Credit Counseling Services. https://ndlegis.gov/cencode/t13c07.pdf","Current canonical code. §§01–05 and start of §06: p.1/index0; remainder of §06 and §07: p.2/index1.","Complete two-page chapter freshly read; both pages visually inspected. Current definition says “person,” not nonprofit only. \nNorth Dakota Legislative Branch\n+2"],["S_ND-P2-S003","ND Legislative Council, N.D.C.C. Ch. 1-02, Statutory Construction. https://ndlegis.gov/cencode/t01c02.pdf","Current code. §§1-02-02–08: pp.1–2/indices0–1; §1-02-15: p.3/index2.","Selected construction and time-computation provisions read and relevant pages inspected. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S004","ND Legislative Council, N.D.C.C. Ch. 9-07, Interpretation of Contract. https://ndlegis.gov/cencode/t09c07.pdf","Current code. §§9-07-02–08: p.1/index0; §§9-07-19, 22: p.2/index1.","Selected interpretation and unspecified-time provisions freshly read; p.2 visually inspected. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S005","ND Legislative Council, N.D.C.C. Ch. 9-08, Unlawful and Voidable Contracts. https://ndlegis.gov/cencode/t09c08.pdf","Current code. §§9-08-01–04: p.1/index0; §§9-08-08–09: p.2/index1.","Relevant illegality/penalty provisions and the cross-referenced rescission exception read; both pages inspected. Personal-injury provisions not applied to counseling. \nNorth Dakota Legislative Branch\n+2"],["S_ND-P2-S006","ND Legislative Council, N.D.C.C. Ch. 9-09, Extinction, Rescission, Alteration, and Cancellation of Contracts. https://ndlegis.gov/cencode/t09c09.pdf","Current code. §§9-09-02, 04: p.1/index0.","Selected grounds, promptness, restoration, and exception language freshly read and page inspected. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S007","ND Legislative Council, N.D.C.C. Ch. 59-09, General Provisions and Definitions. https://ndlegis.gov/cencode/t59c09.pdf","Current Uniform Trust Code provisions. §59-09-02(1)–(2): p.1/index0.","Complete relevant scope/exclusion provision freshly read and visually inspected. No actual account classified. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S008","ND Legislative Council, N.D.C.C. Ch. 59-16, Duties and Powers of Trustee. https://ndlegis.gov/cencode/t59c16.pdf","Current code. §59-16-17(1)–(3): p.7/index6; related winding-up provision selected.","Termination-distribution, reserve, objection, and release provisions freshly read and page inspected; applicability remains conditional. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S009","ND Legislative Council, N.D.C.C. Ch. 51-15, Consumer Fraud and Unlawful Credit Practices. https://ndlegis.gov/cencode/t51c15.pdf","Current code. §51-15-07: p.3/index2.","Selected AG restoration provision freshly read and page inspected; no full private-remedies analysis. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S010","FTC regulation, OFR/GPO eCFR, 16 C.F.R. §310.4. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","HTML; page/index N/A. Displayed Title16 current through Oct.23,2026, title last amended Oct.19; that is not a finding that this subsection changed then.","Complete §310.4(a)(5)(i)(A)–(C) and (ii)(A)–(E) freshly read. Authoritative but unofficial eCFR compilation; applicability remains conditional. \neCFR"],["S_ND-P2-S011","ND Legislative Assembly, Enrolled HB1038, 2011. https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf","Historical enrolled enactment. §2, original §§13-11-20–21: printed pp.12–13/indices11–12. Exact original effective date not newly established.","Original inconsistent refund exception and fee restrictions freshly read and visually inspected. Used for provenance of wording, not as a substitute for current code. \nNorth Dakota Legislative Branch\n+1"],["S_ND-P2-S012","State of ND, 1993 Session Laws, Debtor and Creditor Relationships, Chapter139, SB2362. https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf","Historical enacted text, §§2,4–7; printed pp.595–596/indices3–4. Approval/filing endorsement: Apr.15,1993; original effective date not separately established.","Relevant original fee, contract, trust, accounting, and cancellation wording freshly read and both pages inspected. Historical nonprofit wording not imported into current law. \nNorth Dakota Legislative Branch\n+2"]]},{"headers":["Source ID","Issuer, title, and complete literal URL","Status/pinpoint","Actual read bounds and limitation"],"index":4,"links":[{"href":"https://www.nd.gov/faq/financial-institutions-faq","text":"ND Portal"},{"href":"https://attorneygeneral.nd.gov/consumer-resources/consumer-rights/","text":"North Dakota Attorney General"},{"href":"https://ndlegis.gov/prod/agency-rules/north-dakota-administrative-code/","text":"North Dakota Legislative Branch"},{"href":"https://attorneygeneral.nd.gov/attorney-generals-office/legal-opinions/","text":"North Dakota Attorney General"},{"href":"https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf","text":"North Dakota Attorney General\n+1"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law\n+1"},{"href":"https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf","text":"North Dakota Legislative Branch\n+2"},{"href":"https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories","text":"North Dakota Legislative Branch"},{"href":"https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026","text":"North Dakota Courts"}],"row_links":[[],[{"href":"https://www.nd.gov/faq/financial-institutions-faq","text":"ND Portal"}],[{"href":"https://attorneygeneral.nd.gov/consumer-resources/consumer-rights/","text":"North Dakota Attorney General"}],[{"href":"https://ndlegis.gov/prod/agency-rules/north-dakota-administrative-code/","text":"North Dakota Legislative Branch"}],[{"href":"https://attorneygeneral.nd.gov/attorney-generals-office/legal-opinions/","text":"North Dakota Attorney General"}],[{"href":"https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf","text":"North Dakota Attorney General\n+1"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law\n+1"}],[{"href":"https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf","text":"North Dakota Legislative Branch\n+2"}],[{"href":"https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories","text":"North Dakota Legislative Branch"}],[{"href":"https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026","text":"North Dakota Courts"}]],"rows":[["Source ID","Issuer, title, and complete literal URL","Status/pinpoint","Actual read bounds and limitation"],["S_ND-P2-S013","ND DFI/State portal, Financial Institutions FAQ. https://www.nd.gov/faq/financial-institutions-faq","Live generic instructions; “Debt-Settlement Providers,” including provider application fees. HTML; page/index N/A.","Fresh selected section. No responsive installment or consumer-application-refund interpretation found there. No NMLS follow-through in this pass. \nND Portal"],["S_ND-P2-S014","ND AG, Consumer Rights. https://attorneygeneral.nd.gov/consumer-resources/consumer-rights/","Live generic page; “Credit Counseling/Debt Management Services.” HTML; page/index N/A.","Fresh selected section; bond-related instructions do not resolve these fee/refund questions. No contact or provider lookup. \nNorth Dakota Attorney General"],["S_ND-P2-S015","ND Legislative Council, North Dakota Administrative Code index. https://ndlegis.gov/prod/agency-rules/north-dakota-administrative-code/","Current index with quarterly-update description; selected Title10 AG and Title13 DFI article listings. HTML.","Fresh index inspection, not full reading of every listed rule. No responsive specific fee-interpretation rule identified; not proof that no order or interpretation exists. \nNorth Dakota Legislative Branch"],["S_ND-P2-S016","ND AG, Legal Opinions. https://attorneygeneral.nd.gov/attorney-generals-office/legal-opinions/","Current generic opinions instructions/navigation. HTML.","Fresh body read; not itself an opinion deciding the four questions. Correct route recovered after S027 failed. \nNorth Dakota Attorney General"],["S_ND-P2-S017","ND AG, Cumulative Opinion Index. https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf","Version conflict: parsed cover says Sept.16,2026; rendered cover says Jan.3,2023. Cover printed p.1/index0; 108-page returned document.","Selected cover/index searches and relevant entries, not all108 pages read. The conflict prevents claiming a comprehensive through-2026 negative search. \nNorth Dakota Attorney General\n+1"],["S_ND-P2-S018","ND Supreme Court, State ex rel. Heitkamp v. Family Life Services, Inc., 2000ND166,616N.W.2d826, Aug.31,2000; Justia-hosted opinion text. https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","Published majority opinion; selected ¶¶1–8,15–24,43–45,56 and disposition. HTML; PDF page/index N/A.","Fresh selected majority-body read on a secondary host. No fresh official-host recovery or later-history/citator certification. \nJustia Law\n+2"],["S_ND-P2-S019","ND Supreme Court, Lund v. Lund, 2014ND133, June24,2014; Justia-hosted opinion text. https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","Published majority opinion, ¶¶1–19; particularly ¶¶16–18. HTML.","Majority body freshly read. No official-host or later-history certification; underlying opinions quoted by Lund were not separately treated as freshly read authorities. \nJustia Law\n+1"],["S_ND-P2-S020","ND Legislative Council, Uniform Debt-Management Services Act memorandum, Sept.2009. https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf","Historical committee memorandum, pp.1–2/indices0–1. Discusses a model act, not enacted current ND wording.","Fresh selected read and visual inspection; used only as a lead to the1993 enactment. No model-act refund or fee rule adopted by inference. \nNorth Dakota Legislative Branch\n+2"],["S_ND-P2-S021","ND Legislative Assembly, 1993 Session Laws index. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws","Historical-publication navigation; “Session Laws Resources.” HTML.","Fresh discovery/navigation read leading to S022/S012; not a separate substantive enactment. \nNorth Dakota Legislative Branch"],["S_ND-P2-S022","ND Legislative Assembly, 1993 Session Laws—Chapter Categories. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories","“Debtor and Creditor Relationships,” Chapters136–139. HTML.","Fresh discovery read; actual enacted wording taken from S012, not this index. \nNorth Dakota Legislative Branch"],["S_ND-P2-S023","ND Courts, New Opinions: February5,2026. https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026","Official news/highlights page, including a contract-related opinion link. HTML.","Discovery only. The linked opinion body failed at S024; no headline or summary was used as a majority holding. \nNorth Dakota Courts"]]},{"headers":["Source ID / complete attempted URL","Route status and actual failure","Consequence and exact next evidence needed"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Source ID / complete attempted URL","Route status and actual failure","Consequence and exact next evidence needed"],["S_ND-P2-S024 — https://www.ndcourts.gov/supreme-court/opinions/203738","Actual opinion link discovered through S023; 403 response, no majority body read. Printed page/index and operative wording unverified.","No holding used. An accessible public copy of the published opinion would be needed before relying on it; no docket-status search is required."],["S_ND-P2-S025 — https://attorneygeneral.nd.gov/opinions-search/","Actual public navigation link; fetch failed/timed out. No result body read.","The selected cumulative index does not cure the missing search. A functioning public opinions search or an identifiable published opinion body is needed."],["S_ND-P2-S026 — https://www.nd.gov/dfi/laws-and-regulations","Reconstructed locator, not a verified issued document; tool could not open it.","No absence-of-rule inference. Follow actual DFI navigation to any published formal interpretation or final rulemaking."],["S_ND-P2-S027 — https://attorneygeneral.nd.gov/legal-opinions/","Reconstructed locator failed.","Generic-page gap recovered through the actual S016 route; the S025 search-function gap remains."],["S_ND-P2-S028 — https://ndlegis.gov/assembly/53-1993/session-laws","Reconstructed locator failed.","Historical route recovered through S021–S022 and actual enactment S012. No remaining enactment-body gap for the selected1993 clauses."]]},{"headers":["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],"index":6,"links":[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}]],"rows":[["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],["S_ND-P2-C001","The statutory enrolled amount, savings, and settlement-fee definitions are distinct; a completed agreement is not an express substitute for §21’s collection condition.","S001, §13-11-01(11),(13)–(14), §21(4). \nNorth Dakota Legislative Branch\n+1","High—text; earning/collection distinction requires contract facts."],["S_ND-P2-C002","Collection requires an enforceable specific-dollar full-satisfaction agreement and provision of the specified funds.","S001, §13-11-21(4). \nNorth Dakota Legislative Branch","High—text; installment application held."],["S_ND-P2-C003","Creditor-certified installment plans are recognized separately in the prohibited-practices provision.","S001, §13-11-23(1)(k). \nNorth Dakota Legislative Branch","High—text; no express fee-timing exception there."],["S_ND-P2-C004","No recovered authority resolves first-installment collection; withholding collection until full specified funding is a conservative boundary, not a court holding.","S001 §§21(4),23(1)(k); S003 §§1-02-02–08; search limits S013–S017,S025–S026.","Held; no statutory pro-rata installment-earning schedule identified."],["S_ND-P2-C005","Settlement fees are limited to30% of statutory savings; payment exceeding enrolled principal yields no fee.","S001, §13-11-21(3), §01(13). \nNorth Dakota Legislative Branch","High—text; lower contractual limits still matter."],["S_ND-P2-C006","When applicable, TSR fee eligibility requires a valid customer-executed debt-alteration agreement and at least one payment under it.","S010, §310.4(a)(5)(i)(A)–(B). \neCFR","Conditional federal coverage; not state permission."],["S_ND-P2-C007","Individually resolved debts require proportional enrolled-balance allocation or the same percentage-of-savings method across debts.","S010, §310.4(a)(5)(i)(C). \neCFR","Conditional; methods cannot be switched opportunistically to justify prior fees."],["S_ND-P2-C008","The federal account provision requires all five conditions, including independent administration, consumer interest, and return within seven business days of withdrawal request.","S010, §310.4(a)(5)(ii)(A)–(E). \neCFR","Conditional; account label alone insufficient."],["S_ND-P2-C009","State cancellation-refund and federal account-return rules have different triggers and units; neither establishes the other’s compliance.","S001 §20(3); S010 §310.4(a)(5)(ii)(E). \nNorth Dakota Legislative Branch\n+1","High—text; no bank-processing rule inferred."]]},{"headers":["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],"index":7,"links":[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/prod/assembly/62-2011/regular/documents/11-0225-05000.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch\n+1"}]],"rows":[["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],["S_ND-P2-C010","Ordinary cancellation requires refund of unearned compensation and settlement funds not actually paid to creditors under the contract.","S001, §§19(3)(n),20(1)–(2). \nNorth Dakota Legislative Branch","High—text; valid earned fees treated separately."],["S_ND-P2-C011","A material violation independently triggers §20(2)’s refund duty “at any time.”","S001, §20(2). \nNorth Dakota Legislative Branch","High—text; materiality and earning consequences fact-dependent."],["S_ND-P2-C012","The express seven-day refund/accounting clock starts after cancellation notice; no separate violation-only clock is specified.","S001, §20(3). \nNorth Dakota Legislative Branch","High—text; non-cancellation timing remains held."],["S_ND-P2-C013","Cancellation revokes powers of attorney/direct-debit authority and requires timely creditor notice; post-termination transfers remain restricted.","S001, §§20(2),(4),23(1)(d)–(e). \nNorth Dakota Legislative Branch","High—text; entitlement does not restore revoked debit authority."],["S_ND-P2-C014","The application-fee refund exception does not independently establish authorization to charge that consumer fee.","S001 §§20–21; S003 §§1-02-02–08. \nNorth Dakota Legislative Branch\n+1","Held interpretation; no authorized consumer application fee established."],["S_ND-P2-C015","The application-fee exception and exclusive fee restrictions coexisted in the original2011 enactment.","S011, §2, original §§20–21, pp.12–13/indices11–12. \nNorth Dakota Legislative Branch\n+1","High—historical text; no intent inferred from coexistence alone."],["S_ND-P2-C016","The $400 investigation fee is paid by the license applicant to the state, not authorized as a consumer application charge.","S001 §04; S013 debt-settlement fee instructions. \nNorth Dakota Legislative Branch\n+1","High—text."],["S_ND-P2-C017","Unauthorized fees/payments under §§21–22 make the contract void, with recovery referenced to §20.","S001, §28(1). \nNorth Dakota Legislative Branch","High—text; complete recovery amount not automatic."],["S_ND-P2-C018","Required-license absence at assent makes the contract void; the provider’s breach/restitution bar expressly applies to that branch.","S001, §28(2)–(3). \nNorth Dakota Legislative Branch","High—text; actual license status not queried."],["S_ND-P2-C019","A contract entered in violation of §19 is voidable under that section.","S001, §19(2). \nNorth Dakota Legislative Branch","High—text; distinct from §28 voidness."],["S_ND-P2-C020","Withdrawal does not prove earning; retention of earlier fees after material violation or voidness requires branch-specific analysis.","S001 §§19–21,28. \nNorth Dakota Legislative Branch\n+1","Conditional; neither universal retention nor universal forfeiture established."]]},{"headers":["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],"index":8,"links":[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf","text":"ndlegis.gov"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t09c08.pdf","text":"North Dakota Legislative Branch"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/assembly/sessionlaws/1993/pdf/DBTCR.pdf","text":"ndlegis.gov"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t09c07.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t09c08.pdf","text":"North Dakota Legislative Branch"}]],"rows":[["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],["S_ND-P2-C021","An origination fee up to$50 may be deducted from the initial payment.","S002, §13-07-06, p.1/index0. \nNorth Dakota Legislative Branch","High—text; authorization does not establish nonrefundability."],["S_ND-P2-C022","Up to15% of a sum deposited for distribution may be retained as partial payment of the total fee.","S002, §06, p.1/index0. \nNorth Dakota Legislative Branch","High—text; base and contract ceiling still matter."],["S_ND-P2-C023","The disclosed full-performance total does not itself establish acceleration or earning of its unpaid remainder upon cancellation.","S002, §§02,06. \nNorth Dakota Legislative Branch","Conditional; actual earning/collection clauses absent."],["S_ND-P2-C024","Gross-versus-post-origination application of15% remains unresolved by recovered authority.","S002 §06; S012 §6; S014,S016–S017.","Held; numerical alternatives are not a lawful range."],["S_ND-P2-C025","A general right—or general prohibition—to collect every residual fee outside deposits was not established.","S002, §§02,06. \nNorth Dakota Legislative Branch","Held; “partial payment” does not settle earning or collection."],["S_ND-P2-C026","Original1993 law contains the same material$50/15% and notice/distribution wording.","S012, Chapter139 §§2,6, pp.595–596/indices3–4. \nndlegis.gov","High—historical text; does not resolve ambiguity."],["S_ND-P2-C027","Any debtor/on-behalf payment received must enter identifiable, noncommingled trust funds within one business day.","S002, §04. \nNorth Dakota Legislative Branch","High—text; separate fee billing does not avoid the receipt rule."],["S_ND-P2-C028","Weekly statements must be prepared; a debtor’s copy is available upon request.","S002, §05. \nNorth Dakota Legislative Branch","High—text; not mandatory automatic weekly delivery."],["S_ND-P2-C029","Before automatic termination, either party may cancel without cause on30days’ written notice of intent.","S002, §06, pp.1–2/indices0–1. \nNorth Dakota Legislative Branch","High—text; actual effective date depends on notice/contract facts."],["S_ND-P2-C030","Creditor notice is required within30days in the event of cancellation.","S002, §06, p.2/index1. \nNorth Dakota Legislative Branch","High—text; no actual cancellation date established."],["S_ND-P2-C031","The45-day period runs from deposit and concerns creditor distribution according to the agreement.","S002, §06; S018 ¶22. \nNorth Dakota Legislative Branch\n+1","High—text; not a universal cancellation-refund period."],["S_ND-P2-C032","Chapter13-07 supplies no express universal unearned-fee formula, cancellation-refund deadline, or automatic all-fee refund rule.","S002, complete chapter. \nNorth Dakota Legislative Branch","Bounded negative textual finding; other law may govern."],["S_ND-P2-C033","Actual earning, cancellation, and pending-funds clauses are necessary to calculate a contractual refund, subject to lawful whole-contract interpretation.","S002 §02; S004 §§9-07-02–08,19. \nNorth Dakota Legislative Branch","Conditional; no private contract supplied."],["S_ND-P2-C034","Section9-07-22 supplies unspecified-performance timing only after the obligation and, for immediate money payment, exact amount are established.","S004, §9-07-22, p.2/index1. \nNorth Dakota Legislative Branch","Conditional; not an independent refund entitlement."],["S_ND-P2-C035","Illegality, exculpation, and penalty rules constrain actual fee/cancellation clauses but do not decide an unseen clause.","S005, §§9-08-01–04. \nNorth Dakota Legislative Branch","Conditional; no automatic whole-contract outcome asserted."]]},{"headers":["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],"index":9,"links":[{"href":"https://ndlegis.gov/cencode/t59c09.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t59c16.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t09c09.pdf","text":"North Dakota Legislative Branch"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law"},{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"},{"href":"https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf","text":"North Dakota Attorney General\n+1"},{"href":"https://ndlegis.gov/cencode/t01c02.pdf","text":"North Dakota Legislative Branch"},{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}],"row_links":[[],[{"href":"https://ndlegis.gov/cencode/t59c09.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t59c16.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t09c09.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law"}],[{"href":"https://ndlegis.gov/cencode/t13c07.pdf","text":"North Dakota Legislative Branch\n+1"}],[],[{"href":"https://attorneygeneral.nd.gov/wp-content/uploads/2023/01/CumulativeIndex.pdf","text":"North Dakota Attorney General\n+1"}],[],[{"href":"https://ndlegis.gov/cencode/t01c02.pdf","text":"North Dakota Legislative Branch"}],[{"href":"https://ndlegis.gov/cencode/t13c11.pdf","text":"North Dakota Legislative Branch"}]],"rows":[["Claim ID","Precise proposition","Source and pinpoint","Conditions/confidence"],["S_ND-P2-C036","Uniform Trust Code scope has express exclusions; a counseling trust-account label does not establish coverage.","S007, §59-09-02. \nNorth Dakota Legislative Branch","High—text; actual account classification held."],["S_ND-P2-C037","If applicable, trust termination requires expeditious distribution with the statutory reserve qualification; the objection procedure is not a refund deadline.","S008, §59-16-17(1)–(3). \nNorth Dakota Legislative Branch","Conditional; no new consumer-fee authority created."],["S_ND-P2-C038","Rescission requires a qualifying ground and compliance with promptness/restoration rules, subject to statutory exceptions.","S006, §§9-09-02,04; cross-reference checked in S005. \nNorth Dakota Legislative Branch","Conditional; ordinary cancellation is not automatic rescission."],["S_ND-P2-C039","Unjust enrichment is fact-dependent and is not established simply by payment followed by cancellation.","S019, ¶¶16–18. \nJustia Law","Published majority application; later-history certification held."],["S_ND-P2-C040","Heitkamp upheld the closed-account noncompliance finding but did not establish a universal cancellation-refund formula.","S018, ¶¶22–24. \nJustia Law","Source-limited holding; historical facts not current nonprofit requirement."],["S_ND-P2-C041","AG enforcement can support court-ordered restoration upon the required unlawful-practice showing; penalty maxima are not automatic consumer awards.","S002 §07; S009 §51-15-07. \nNorth Dakota Legislative Branch\n+1","Conditional; no actual proceeding or entitlement adjudicated."],["S_ND-P2-C042","The inspected generic materials and selected public searches yielded no responsive formal resolution of the four ambiguities.","S013–S017; failures S025–S026.","Limited search result, not proof no authority exists."],["S_ND-P2-C043","Fresh canonical-code access does not establish a complete later-law audit; the AG index has conflicting displayed versions.","S001–S017, particularly S017. \nNorth Dakota Attorney General\n+1","Currentness limitation expressly retained."],["S_ND-P2-C044","The two relied-on opinion bodies were read on Justia; official-host and complete later-history verification remain held.","S018–S019.","Provenance limitation; no unpublished-opinion rule invoked."],["S_ND-P2-C045","State statutory day computation generally excludes the first day and includes the last, subject to §1-02-15’s holiday rule.","S003, §1-02-15, p.3/index2. \nNorth Dakota Legislative Branch","High—text; not applied to federal business-day computation."],["S_ND-P2-C046","Settlement above50% of enrolled principal requires consumer assent after creditor assent.","S001, §13-11-23(1)(b). \nNorth Dakota Legislative Branch","High—text; assumed expressly where used in examples."]]},{"headers":["Published case","Facts, posture, and exact majority material read","Relevant holding and disposition","Limits and later-history status"],"index":10,"links":[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"},{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law\n+1"}],"row_links":[[],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","text":"Justia Law\n+2"}],[{"href":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","text":"Justia Law\n+1"}]],"rows":[["Published case","Facts, posture, and exact majority material read","Relevant holding and disposition","Limits and later-history status"],["State ex rel. Heitkamp v. Family Life Services, Inc., ND Supreme Court, Aug.31,2000, 2000ND166,616N.W.2d826. S018.","AG action involving counseling-service funds and organizational governance; appeal from judgments concerning directors and corporate control. Selected majority ¶¶1–8,15–24,43–45,56 and disposition read. Paragraph22 addresses $7,326.07 left in a closed client trust account, including uncashed-check explanations and failure to determine rightful owners.","The Supreme Court upheld the supported finding of §13-07-06 noncompliance and the relevant misappropriation findings. Affirmed in part, reversed in part, and remanded; the reversal concerned the board-reconstitution remedy, not wholesale rejection of the funds discussion. \nJustia Law\n+2","Does not decide gross/net origination calculations, residual fees, or a universal cancellation-refund deadline. Historical nonprofit facts are not current eligibility requirements. Fresh read was on Justia, not the official host. Complete later history and modern constitutional validity of unrelated portions were not checked."],["Lund v. Lund, ND Supreme Court, June24,2014, 2014ND133. S019.","Family-services/property dispute; following a bench trial, claimant appealed rejection of implied-contract and unjust-enrichment theories. Majority ¶¶1–19 read, especially ¶¶16–18.","The court applied the elements of unjust enrichment and held the benefits were not inequitable to retain on the facts, including reciprocal benefits. Judgment affirmed. \nJustia Law\n+1","Not a debt-counseling fee case. Supports a conditional restitution framework, not a counseling refund amount. Fresh read was on Justia. Complete later history and official-host verification remain held. Cases quoted within Lund were not separately claimed as freshly read."]]},{"headers":["Item","Debt A","Debt B"],"index":11,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Item","Debt A","Debt B"],["Enrolled balance","$5,000.00","$10,000.00"],["Actual completed settlement","$3,000.00","None"],["Actual qualifying savings","$2,000.00","None established"],["Fee earned under the assumed lawful predicates","$600.00","$0.00"]]},{"headers":["ID / subquestion","Status","Claims","Exact remaining evidence or next investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID / subquestion","Status","Claims","Exact remaining evidence or next investigation"],["G01 — Defined balance, savings, and state collection trigger","Answered at text level","C001–C002","Actual contract/settlement facts needed only for application."],["G02 — Creditor-certified installment-plan recognition","Answered","C003","Does not establish fee collection after an installment."],["G03 — First-installment fee collection","Unresolved","C004","Published formal interpretation or majority holding applying “those funds” to installment performance."],["G04 — Authoritative reconciliation of §§21(4)/23(1)(k)","Unresolved","C004,C042","Responsive DFI interpretation, published opinion, or final rulemaking body; generic pages insufficient."],["G05 — Conditional TSR earning/allocation","Answered conditionally","C006–C007","Actual federal coverage and same-method contractual allocation facts."],["G06 — Conditional federal account conditions","Answered conditionally","C008–C009","Actual administrator independence, ownership, interest, referrals, and withdrawal terms."],["G07 — Ordinary Chapter13-11 cancellation","Answered at text level","C010,C012","Actual cancellation event and lawful earned-fee calculation."],["G08 — Material-violation-only timing","Partial","C011–C012","Authority establishing a clock without cancellation notice; actual violation/materiality."],["G09 — Consumer application-fee exception","Unresolved; no permission established","C014–C015","Authoritative explanation reconciling §§20–21; original enactment does not supply intent."],["G10 — Provider-to-state$400 distinction","Answered","C016","No consumer pass-through authorization established."],["G11 — Earlier fee after violation/voidness","Partial","C020","Nature of violation, earning facts, and controlling interpretation of the recovery branch."],["G12 — Money already paid to creditors","Answered for ordinary account refund","C010","Different recovery theories remain outside the ordinary refund calculation."],["G13 — Unauthorized-fee voidness","Partial","C017,C020","Actual unauthorized charge and branch-specific treatment of other fees."],["G14 — Unlicensed-contract voidness","Answered as statutory branch","C018","Actual licensing facts expressly not queried."],["G15 — §19 voidability","Answered as statutory branch","C019","Actual contract defect and exercise/consequences of avoidance."],["G16 — Revocation, transfers, creditor notice","Answered at text level","C013","Actual authority, termination, communication, and transfer facts."],["G17 — State cap and above50% assent","Answered","C005,C046","Actual enrolled amounts, satisfaction payment, and assent sequence."],["G18 — Chapter13-07$50 and15% ceilings","Answered at text level","C021–C022","Lower contract caps and federal timing remain separate."],["G19 — Initial gross/net base","Unresolved","C024","Official interpretation or controlling published decision selecting the base."],["G20 — Separate origination receipt","Partial","C021,C027","Actual payment allocation and applicable earning/refund terms; trust receipt rule established."],["G21 — Non-deposit residual collection","Unresolved","C025","Authoritative interpretation and actual separate-collection/earning clause."],["G22 — Full-performance total versus cancellation balance","Partial","C023,C033","Actual total-fee definition, apportionment, acceleration, and cancellation clauses."],["G23 — Original1993 fee wording","Answered historically","C026","Original effective-date reconstruction not necessary to, and not completed for, current formula issue."],["G24 — Chapter13-07 cancellation notice","Answered at text level","C029","Actual notice delivery, effective date, and automatic-termination terms."],["G25 — Chapter13-07 creditor notice","Partial in application","C030","Operative cancellation event; no actual date or compliance finding."],["G26 —45-day distribution/closed-account treatment","Answered within bounds","C031,C040","No universal cancellation-refund rule derived; actual allocation facts still needed."],["G27 — Recipient of pending funds","Partial","C032–C034,C036","Ownership terms, surviving creditor directions, pending checks, and account structure."],["G28 — Prior fee earning/refund deductions","Unresolved for an actual transaction","C032–C035","Earning milestones, performance, refund/nonrefundability clauses, and lawful deductions."],["G29 — Contract-based refund deadline","Partial","C034","Established refund obligation, exact amount, and any lawful specified performance time."],["G30 — Uniform Trust Code applicability","Unresolved for an actual account","C036–C037","Trust/account instruments, administrator role, exclusions, and termination event."],["G31 — Rescission/unjust-enrichment remedy","Partial gateway only","C038–C039","Grounds, restoration, reciprocal benefits, contractual/legal remedies, and actual loss."],["G32 — AG restoration","Partial gateway only","C041","Actual unlawful conduct and appropriate court relief; no award assumed."],["G33 — State/federal time units","Answered","C009,C045","Actual dates needed for any deadline calculation; bank-transfer mechanics not established."],["G34 — Formal-interpretation/currentness/citator completeness","Partial","C042–C044","Resolve AG index version conflict/search failure; recover responsive formal bodies and complete relevant later-history checks."],["G35 — Professional exceptions, CROA, credit-repair overlap","Excluded absent material facts","Scope limitation","Actual professional relationship, services, representations, and coverage facts required; no exemption assumed."],["G36 — Broader dossier and actual authorization","Excluded/reserved","Scope limitation","Provider classification beyond necessary clauses, full agreements/funds/bonds/security/remedies, collection/licensing/validation/reporting, courts/limitations/garnishment, secured sectors, local/tribal/country issues, state-parent/A066 acceptance, operations, and publication remain open."]]}],"claims":[{"claim_id":"S_ND-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C001","Precise proposition":"The statutory enrolled amount, savings, and settlement-fee definitions are distinct; a completed agreement is not an express substitute for §21’s collection condition.","Source and pinpoint":"S001, §13-11-01(11),(13)–(14), §21(4). \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"High—text; earning/collection distinction requires contract facts."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C001","original_visible_claim_id":"S_ND-P2-C001","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C002","Precise proposition":"Collection requires an enforceable specific-dollar full-satisfaction agreement and provision of the specified funds.","Source and pinpoint":"S001, §13-11-21(4). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; installment application held."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C002","original_visible_claim_id":"S_ND-P2-C002","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C003","Precise proposition":"Creditor-certified installment plans are recognized separately in the prohibited-practices provision.","Source and pinpoint":"S001, §13-11-23(1)(k). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; no express fee-timing exception there."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C003","original_visible_claim_id":"S_ND-P2-C003","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C004","Precise proposition":"No recovered authority resolves first-installment collection; withholding collection until full specified funding is a conservative boundary, not a court holding.","Source and pinpoint":"S001 §§21(4),23(1)(k); S003 §§1-02-02–08; search limits S013–S017,S025–S026.","Conditions/confidence":"Held; no statutory pro-rata installment-earning schedule identified."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C004","original_visible_claim_id":"S_ND-P2-C004","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,3,13,14,15,16,17,25,26],"source_ranges_expanded":[[13,17],[25,26]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C005","Precise proposition":"Settlement fees are limited to30% of statutory savings; payment exceeding enrolled principal yields no fee.","Source and pinpoint":"S001, §13-11-21(3), §01(13). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; lower contractual limits still matter."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C005","original_visible_claim_id":"S_ND-P2-C005","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C006","Precise proposition":"When applicable, TSR fee eligibility requires a valid customer-executed debt-alteration agreement and at least one payment under it.","Source and pinpoint":"S010, §310.4(a)(5)(i)(A)–(B). \neCFR","Conditions/confidence":"Conditional federal coverage; not state permission."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C006","original_visible_claim_id":"S_ND-P2-C006","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C007","Precise proposition":"Individually resolved debts require proportional enrolled-balance allocation or the same percentage-of-savings method across debts.","Source and pinpoint":"S010, §310.4(a)(5)(i)(C). \neCFR","Conditions/confidence":"Conditional; methods cannot be switched opportunistically to justify prior fees."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C007","original_visible_claim_id":"S_ND-P2-C007","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C008","Precise proposition":"The federal account provision requires all five conditions, including independent administration, consumer interest, and return within seven business days of withdrawal request.","Source and pinpoint":"S010, §310.4(a)(5)(ii)(A)–(E). \neCFR","Conditions/confidence":"Conditional; account label alone insufficient."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C008","original_visible_claim_id":"S_ND-P2-C008","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C009","Precise proposition":"State cancellation-refund and federal account-return rules have different triggers and units; neither establishes the other’s compliance.","Source and pinpoint":"S001 §20(3); S010 §310.4(a)(5)(ii)(E). \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"High—text; no bank-processing rule inferred."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C009","original_visible_claim_id":"S_ND-P2-C009","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C010","Precise proposition":"Ordinary cancellation requires refund of unearned compensation and settlement funds not actually paid to creditors under the contract.","Source and pinpoint":"S001, §§19(3)(n),20(1)–(2). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; valid earned fees treated separately."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C010","original_visible_claim_id":"S_ND-P2-C010","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C011","Precise proposition":"A material violation independently triggers §20(2)’s refund duty “at any time.”","Source and pinpoint":"S001, §20(2). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; materiality and earning consequences fact-dependent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C011","original_visible_claim_id":"S_ND-P2-C011","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C012","Precise proposition":"The express seven-day refund/accounting clock starts after cancellation notice; no separate violation-only clock is specified.","Source and pinpoint":"S001, §20(3). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; non-cancellation timing remains held."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C012","original_visible_claim_id":"S_ND-P2-C012","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C013","Precise proposition":"Cancellation revokes powers of attorney/direct-debit authority and requires timely creditor notice; post-termination transfers remain restricted.","Source and pinpoint":"S001, §§20(2),(4),23(1)(d)–(e). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; entitlement does not restore revoked debit authority."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C013","original_visible_claim_id":"S_ND-P2-C013","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C014","Precise proposition":"The application-fee refund exception does not independently establish authorization to charge that consumer fee.","Source and pinpoint":"S001 §§20–21; S003 §§1-02-02–08. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"Held interpretation; no authorized consumer application fee established."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C014","original_visible_claim_id":"S_ND-P2-C014","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C015","Precise proposition":"The application-fee exception and exclusive fee restrictions coexisted in the original2011 enactment.","Source and pinpoint":"S011, §2, original §§20–21, pp.12–13/indices11–12. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"High—historical text; no intent inferred from coexistence alone."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C015","original_visible_claim_id":"S_ND-P2-C015","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C016","Precise proposition":"The $400 investigation fee is paid by the license applicant to the state, not authorized as a consumer application charge.","Source and pinpoint":"S001 §04; S013 debt-settlement fee instructions. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"High—text."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C016","original_visible_claim_id":"S_ND-P2-C016","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,13],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C017","Precise proposition":"Unauthorized fees/payments under §§21–22 make the contract void, with recovery referenced to §20.","Source and pinpoint":"S001, §28(1). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; complete recovery amount not automatic."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C017","original_visible_claim_id":"S_ND-P2-C017","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C018","Precise proposition":"Required-license absence at assent makes the contract void; the provider’s breach/restitution bar expressly applies to that branch.","Source and pinpoint":"S001, §28(2)–(3). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; actual license status not queried."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C018","original_visible_claim_id":"S_ND-P2-C018","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C019","Precise proposition":"A contract entered in violation of §19 is voidable under that section.","Source and pinpoint":"S001, §19(2). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; distinct from §28 voidness."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C019","original_visible_claim_id":"S_ND-P2-C019","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C020","Precise proposition":"Withdrawal does not prove earning; retention of earlier fees after material violation or voidness requires branch-specific analysis.","Source and pinpoint":"S001 §§19–21,28. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"Conditional; neither universal retention nor universal forfeiture established."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C020","original_visible_claim_id":"S_ND-P2-C020","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C021","Precise proposition":"An origination fee up to$50 may be deducted from the initial payment.","Source and pinpoint":"S002, §13-07-06, p.1/index0. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; authorization does not establish nonrefundability."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C021","original_visible_claim_id":"S_ND-P2-C021","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C022","Precise proposition":"Up to15% of a sum deposited for distribution may be retained as partial payment of the total fee.","Source and pinpoint":"S002, §06, p.1/index0. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; base and contract ceiling still matter."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C022","original_visible_claim_id":"S_ND-P2-C022","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C023","Precise proposition":"The disclosed full-performance total does not itself establish acceleration or earning of its unpaid remainder upon cancellation.","Source and pinpoint":"S002, §§02,06. \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; actual earning/collection clauses absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C023","original_visible_claim_id":"S_ND-P2-C023","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C024","Precise proposition":"Gross-versus-post-origination application of15% remains unresolved by recovered authority.","Source and pinpoint":"S002 §06; S012 §6; S014,S016–S017.","Conditions/confidence":"Held; numerical alternatives are not a lawful range."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C024","original_visible_claim_id":"S_ND-P2-C024","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,12,14,16,17],"source_ranges_expanded":[[16,17]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C025","Precise proposition":"A general right—or general prohibition—to collect every residual fee outside deposits was not established.","Source and pinpoint":"S002, §§02,06. \nNorth Dakota Legislative Branch","Conditions/confidence":"Held; “partial payment” does not settle earning or collection."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C025","original_visible_claim_id":"S_ND-P2-C025","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C026","Precise proposition":"Original1993 law contains the same material$50/15% and notice/distribution wording.","Source and pinpoint":"S012, Chapter139 §§2,6, pp.595–596/indices3–4. \nndlegis.gov","Conditions/confidence":"High—historical text; does not resolve ambiguity."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C026","original_visible_claim_id":"S_ND-P2-C026","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[12],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C027","Precise proposition":"Any debtor/on-behalf payment received must enter identifiable, noncommingled trust funds within one business day.","Source and pinpoint":"S002, §04. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; separate fee billing does not avoid the receipt rule."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C027","original_visible_claim_id":"S_ND-P2-C027","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C028","Precise proposition":"Weekly statements must be prepared; a debtor’s copy is available upon request.","Source and pinpoint":"S002, §05. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; not mandatory automatic weekly delivery."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C028","original_visible_claim_id":"S_ND-P2-C028","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C029","Precise proposition":"Before automatic termination, either party may cancel without cause on30days’ written notice of intent.","Source and pinpoint":"S002, §06, pp.1–2/indices0–1. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; actual effective date depends on notice/contract facts."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C029","original_visible_claim_id":"S_ND-P2-C029","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C030","Precise proposition":"Creditor notice is required within30days in the event of cancellation.","Source and pinpoint":"S002, §06, p.2/index1. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; no actual cancellation date established."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C030","original_visible_claim_id":"S_ND-P2-C030","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C031","Precise proposition":"The45-day period runs from deposit and concerns creditor distribution according to the agreement.","Source and pinpoint":"S002, §06; S018 ¶22. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"High—text; not a universal cancellation-refund period."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C031","original_visible_claim_id":"S_ND-P2-C031","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,18],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C032","Precise proposition":"Chapter13-07 supplies no express universal unearned-fee formula, cancellation-refund deadline, or automatic all-fee refund rule.","Source and pinpoint":"S002, complete chapter. \nNorth Dakota Legislative Branch","Conditions/confidence":"Bounded negative textual finding; other law may govern."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C032","original_visible_claim_id":"S_ND-P2-C032","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C033","Precise proposition":"Actual earning, cancellation, and pending-funds clauses are necessary to calculate a contractual refund, subject to lawful whole-contract interpretation.","Source and pinpoint":"S002 §02; S004 §§9-07-02–08,19. \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; no private contract supplied."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C033","original_visible_claim_id":"S_ND-P2-C033","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,4],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C034","Precise proposition":"Section9-07-22 supplies unspecified-performance timing only after the obligation and, for immediate money payment, exact amount are established.","Source and pinpoint":"S004, §9-07-22, p.2/index1. \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; not an independent refund entitlement."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C034","original_visible_claim_id":"S_ND-P2-C034","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[4],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C035","Precise proposition":"Illegality, exculpation, and penalty rules constrain actual fee/cancellation clauses but do not decide an unseen clause.","Source and pinpoint":"S005, §§9-08-01–04. \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; no automatic whole-contract outcome asserted."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C035","original_visible_claim_id":"S_ND-P2-C035","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C036","Precise proposition":"Uniform Trust Code scope has express exclusions; a counseling trust-account label does not establish coverage.","Source and pinpoint":"S007, §59-09-02. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; actual account classification held."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C036","original_visible_claim_id":"S_ND-P2-C036","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C037","Precise proposition":"If applicable, trust termination requires expeditious distribution with the statutory reserve qualification; the objection procedure is not a refund deadline.","Source and pinpoint":"S008, §59-16-17(1)–(3). \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; no new consumer-fee authority created."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C037","original_visible_claim_id":"S_ND-P2-C037","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C038","Precise proposition":"Rescission requires a qualifying ground and compliance with promptness/restoration rules, subject to statutory exceptions.","Source and pinpoint":"S006, §§9-09-02,04; cross-reference checked in S005. \nNorth Dakota Legislative Branch","Conditions/confidence":"Conditional; ordinary cancellation is not automatic rescission."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C038","original_visible_claim_id":"S_ND-P2-C038","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[5,6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C039","Precise proposition":"Unjust enrichment is fact-dependent and is not established simply by payment followed by cancellation.","Source and pinpoint":"S019, ¶¶16–18. \nJustia Law","Conditions/confidence":"Published majority application; later-history certification held."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C039","original_visible_claim_id":"S_ND-P2-C039","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[19],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C040","Precise proposition":"Heitkamp upheld the closed-account noncompliance finding but did not establish a universal cancellation-refund formula.","Source and pinpoint":"S018, ¶¶22–24. \nJustia Law","Conditions/confidence":"Source-limited holding; historical facts not current nonprofit requirement."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C040","original_visible_claim_id":"S_ND-P2-C040","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[18],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C041","Precise proposition":"AG enforcement can support court-ordered restoration upon the required unlawful-practice showing; penalty maxima are not automatic consumer awards.","Source and pinpoint":"S002 §07; S009 §51-15-07. \nNorth Dakota Legislative Branch\n+1","Conditions/confidence":"Conditional; no actual proceeding or entitlement adjudicated."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C041","original_visible_claim_id":"S_ND-P2-C041","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,9],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C042","Precise proposition":"The inspected generic materials and selected public searches yielded no responsive formal resolution of the four ambiguities.","Source and pinpoint":"S013–S017; failures S025–S026.","Conditions/confidence":"Limited search result, not proof no authority exists."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C042","original_visible_claim_id":"S_ND-P2-C042","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[13,14,15,16,17,25,26],"source_ranges_expanded":[[13,17],[25,26]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C043","Precise proposition":"Fresh canonical-code access does not establish a complete later-law audit; the AG index has conflicting displayed versions.","Source and pinpoint":"S001–S017, particularly S017. \nNorth Dakota Attorney General\n+1","Conditions/confidence":"Currentness limitation expressly retained."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C043","original_visible_claim_id":"S_ND-P2-C043","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"source_ranges_expanded":[[1,17]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C044","Precise proposition":"The two relied-on opinion bodies were read on Justia; official-host and complete later-history verification remain held.","Source and pinpoint":"S018–S019.","Conditions/confidence":"Provenance limitation; no unpublished-opinion rule invoked."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C044","original_visible_claim_id":"S_ND-P2-C044","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[18,19],"source_ranges_expanded":[[18,19]],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C045","Precise proposition":"State statutory day computation generally excludes the first day and includes the last, subject to §1-02-15’s holiday rule.","Source and pinpoint":"S003, §1-02-15, p.3/index2. \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; not applied to federal business-day computation."},"coordinator_verification_status":"scoped_record_reconciliation_selected_bodies_all_interpretation_currentness_judicial_contract_application_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_ND-P2-C045","original_visible_claim_id":"S_ND-P2-C045","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_unresolved_and_coverage_holds_retained":true}},{"claim_id":"S_ND-P2-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ND-P2-C046","Precise proposition":"Settlement above50% of enrolled principal requires consumer assent after creditor assent.","Source and pinpoint":"S001, §13-11-23(1)(b). \nNorth Dakota Legislative Branch","Conditions/confidence":"High—text; 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Cover printed p.1/index0; 108-page returned document.","Actual read bounds and limitation":"Selected cover/index searches and relevant entries, not all108 pages read. The conflict prevents claiming a comprehensive through-2026 negative search. \nNorth Dakota Attorney General\n+1"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S017","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":false,"status":"Recordreconciled;underlyingbodyunreopened/discovery_or_index_not_controlling","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S018","urls":["https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html"],"researcher_record":{"Source ID":"S_ND-P2-S018","Issuer, title, and complete literal URL":"ND Supreme Court, State ex rel. Heitkamp v. Family Life Services, Inc., 2000ND166,616N.W.2d826, Aug.31,2000; Justia-hosted opinion text. https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","Status/pinpoint":"Published majority opinion; selected ¶¶1–8,15–24,43–45,56 and disposition. HTML; PDF page/index N/A.","Actual read bounds and limitation":"Fresh selected majority-body read on a secondary host. No fresh official-host recovery or later-history/citator certification. \nJustia Law\n+2"},"coordinator_verification_status":"scoped_selected_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S018","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":8,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","packet_character_bounds":[21460,24293],"PDF_page_tags":[],"source_id":"S_ND-P2-S018","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,68]],"actual_numbered_lines_read":[],"failed_access":false,"location_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":9,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","packet_character_bounds":[26500,28052],"PDF_page_tags":[],"source_id":"S_ND-P2-S018","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[171,171],[175,177],[182,182]],"actual_numbered_lines_read":[],"failed_access":false,"location_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":6,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","packet_character_bounds":[24273,28337],"PDF_page_tags":[],"source_id":"S_ND-P2-S018","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[167,178]],"actual_numbered_lines_read":[[167,178]],"failed_access":false,"location_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_ND-P2-S018","evidence_URL":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","line_range":[171,175],"scope":"Published Heitkamp majority quoted distribution statute/deposit clock and failure to identify rightful funds owners; no universal postcancellation45dayrefund rule","evidence":[{"source_id":"S_ND-P2-S018","actual_URL":"https://law.justia.com/cases/north-dakota/supreme-court/2000/990212.html","packet":"[internal evidence reference]","chunk":6,"actual_numbered_lines":[[171,175]],"packet_character_bounds":[24273,28337]}],"fresh_PDFpixels":false}],"original_failed_route_record":false,"status":"Selectedcurrentorhistoricalstatutorybody/TSR/primaryopiniontextrepublicationwithlimits","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S019","urls":["https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html"],"researcher_record":{"Source ID":"S_ND-P2-S019","Issuer, title, and complete literal URL":"ND Supreme Court, Lund v. 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No official-host or later-history certification; underlying opinions quoted by Lund were not separately treated as freshly read authorities. \nJustia Law\n+1"},"coordinator_verification_status":"scoped_selected_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S019","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":9,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","packet_character_bounds":[24373,27101],"PDF_page_tags":[],"source_id":"S_ND-P2-S019","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,51]],"actual_numbered_lines_read":[],"failed_access":false,"location_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":10,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","packet_character_bounds":[28132,30764],"PDF_page_tags":[],"source_id":"S_ND-P2-S019","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[117,121]],"actual_numbered_lines_read":[],"failed_access":false,"location_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":7,"URL":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","packet_character_bounds":[28417,32679],"PDF_page_tags":[],"source_id":"S_ND-P2-S019","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[114,134]],"actual_numbered_lines_read":[[114,134]],"failed_access":false,"location_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_ND-P2-S019","evidence_URL":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","line_range":[117,124],"scope":"Published Lund majority five elements/reciprocalbenefits/factbound denial/affirmance; not allfeerefund precedent","evidence":[{"source_id":"S_ND-P2-S019","actual_URL":"https://law.justia.com/cases/north-dakota/supreme-court/2014/20130373.html","packet":"[internal evidence reference]","chunk":7,"actual_numbered_lines":[[117,124]],"packet_character_bounds":[28417,32679]}],"fresh_PDFpixels":false}],"original_failed_route_record":false,"status":"Selectedcurrentorhistoricalstatutorybody/TSR/primaryopiniontextrepublicationwithlimits","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S020","urls":["https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf"],"researcher_record":{"Source ID":"S_ND-P2-S020","Issuer, title, and complete literal URL":"ND Legislative Council, Uniform Debt-Management Services Act memorandum, Sept.2009. https://ndlegis.gov/sites/default/files/resource/committee-memorandum/19063.pdf","Status/pinpoint":"Historical committee memorandum, pp.1–2/indices0–1. Discusses a model act, not enacted current ND wording.","Actual read bounds and limitation":"Fresh selected read and visual inspection; used only as a lead to the1993 enactment. No model-act refund or fee rule adopted by inference. \nNorth Dakota Legislative Branch\n+2"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S020","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":false,"status":"Recordreconciled;underlyingbodyunreopened/discovery_or_index_not_controlling","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S021","urls":["https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws"],"researcher_record":{"Source ID":"S_ND-P2-S021","Issuer, title, and complete literal URL":"ND Legislative Assembly, 1993 Session Laws index. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws","Status/pinpoint":"Historical-publication navigation; “Session Laws Resources.” HTML.","Actual read bounds and limitation":"Fresh discovery/navigation read leading to S022/S012; not a separate substantive enactment. \nNorth Dakota Legislative Branch"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S021","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":false,"status":"Recordreconciled;underlyingbodyunreopened/discovery_or_index_not_controlling","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S022","urls":["https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories"],"researcher_record":{"Source ID":"S_ND-P2-S022","Issuer, title, and complete literal URL":"ND Legislative Assembly, 1993 Session Laws—Chapter Categories. https://ndlegis.gov/assembly/53-1993/regular/1993-session-laws/chapter-categories","Status/pinpoint":"“Debtor and Creditor Relationships,” Chapters136–139. HTML.","Actual read bounds and limitation":"Fresh discovery read; actual enacted wording taken from S012, not this index. \nNorth Dakota Legislative Branch"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S022","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":false,"status":"Recordreconciled;underlyingbodyunreopened/discovery_or_index_not_controlling","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S023","urls":["https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026"],"researcher_record":{"Source ID":"S_ND-P2-S023","Issuer, title, and complete literal URL":"ND Courts, New Opinions: February5,2026. https://www.ndcourts.gov/news/north-dakota/north-dakota-supreme-court/opinions/new-opinions-february-5-2026","Status/pinpoint":"Official news/highlights page, including a contract-related opinion link. HTML.","Actual read bounds and limitation":"Discovery only. The linked opinion body failed at S024; no headline or summary was used as a majority holding. \nNorth Dakota Courts"},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S023","original_literal_import_alias":null,"all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":false,"status":"Recordreconciled;underlyingbodyunreopened/discovery_or_index_not_controlling","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S024","urls":["https://www.ndcourts.gov/supreme-court/opinions/203738"],"researcher_record":{"Source ID / complete attempted URL":"S_ND-P2-S024 — https://www.ndcourts.gov/supreme-court/opinions/203738","Route status and actual failure":"Actual opinion link discovered through S023; 403 response, no majority body read. Printed page/index and operative wording unverified.","Consequence and exact next evidence needed":"No holding used. An accessible public copy of the published opinion would be needed before relying on it; no docket-status search is required."},"coordinator_verification_status":"scoped_original_failed_route_unretried","literal_import_alias_preserved":"S_ND-P2-S024 — https://www.ndcourts.gov/supreme-court/opinions/203738","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S024","original_literal_import_alias":"S_ND-P2-S024 — https://www.ndcourts.gov/supreme-court/opinions/203738","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":true,"status":"Originalfailedroutepreservedunretried","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S025","urls":["https://attorneygeneral.nd.gov/opinions-search/"],"researcher_record":{"Source ID / complete attempted URL":"S_ND-P2-S025 — https://attorneygeneral.nd.gov/opinions-search/","Route status and actual failure":"Actual public navigation link; fetch failed/timed out. No result body read.","Consequence and exact next evidence needed":"The selected cumulative index does not cure the missing search. A functioning public opinions search or an identifiable published opinion body is needed."},"coordinator_verification_status":"scoped_original_failed_route_unretried","literal_import_alias_preserved":"S_ND-P2-S025 — https://attorneygeneral.nd.gov/opinions-search/","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S025","original_literal_import_alias":"S_ND-P2-S025 — https://attorneygeneral.nd.gov/opinions-search/","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":true,"status":"Originalfailedroutepreservedunretried","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S026","urls":["https://www.nd.gov/dfi/laws-and-regulations"],"researcher_record":{"Source ID / complete attempted URL":"S_ND-P2-S026 — https://www.nd.gov/dfi/laws-and-regulations","Route status and actual failure":"Reconstructed locator, not a verified issued document; tool could not open it.","Consequence and exact next evidence needed":"No absence-of-rule inference. Follow actual DFI navigation to any published formal interpretation or final rulemaking."},"coordinator_verification_status":"scoped_original_failed_route_unretried","literal_import_alias_preserved":"S_ND-P2-S026 — https://www.nd.gov/dfi/laws-and-regulations","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S026","original_literal_import_alias":"S_ND-P2-S026 — https://www.nd.gov/dfi/laws-and-regulations","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":true,"status":"Originalfailedroutepreservedunretried","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S027","urls":["https://attorneygeneral.nd.gov/legal-opinions/"],"researcher_record":{"Source ID / complete attempted URL":"S_ND-P2-S027 — https://attorneygeneral.nd.gov/legal-opinions/","Route status and actual failure":"Reconstructed locator failed.","Consequence and exact next evidence needed":"Generic-page gap recovered through the actual S016 route; the S025 search-function gap remains."},"coordinator_verification_status":"scoped_original_failed_route_unretried","literal_import_alias_preserved":"S_ND-P2-S027 — https://attorneygeneral.nd.gov/legal-opinions/","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S027","original_literal_import_alias":"S_ND-P2-S027 — https://attorneygeneral.nd.gov/legal-opinions/","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":true,"status":"Originalfailedroutepreservedunretried","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}},{"source_id":"S_ND-P2-S028","urls":["https://ndlegis.gov/assembly/53-1993/session-laws"],"researcher_record":{"Source ID / complete attempted URL":"S_ND-P2-S028 — https://ndlegis.gov/assembly/53-1993/session-laws","Route status and actual failure":"Reconstructed locator failed.","Consequence and exact next evidence needed":"Historical route recovered through S021–S022 and actual enactment S012. No remaining enactment-body gap for the selected1993 clauses."},"coordinator_verification_status":"scoped_original_failed_route_unretried","literal_import_alias_preserved":"S_ND-P2-S028 — https://ndlegis.gov/assembly/53-1993/session-laws","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_ND-P2-S028","original_literal_import_alias":"S_ND-P2-S028 — https://ndlegis.gov/assembly/53-1993/session-laws","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"original_failed_route_record":true,"status":"Originalfailedroutepreservedunretried","all_current_primary_source_accepted":false,"original_failure_version_pixels_citation_application_holds_retained":true}}],"coverage":[{"topic":"G01 — Defined balance, savings, and state collection trigger","researcher_record":{"ID / subquestion":"G01 — Defined balance, savings, and state collection trigger","Status":"Answered at text 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performance."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_all_interpretation_source_currentness_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":2,"topic":"G03 — First-installment fee collection","all_original_cells_read":true,"original_researcher_status":"Unresolved","researcher_record_unchanged":true,"exact_remaining_question_and_next_source_action_unchanged":true,"accepted":false}},{"topic":"G04 — Authoritative reconciliation of §§21(4)/23(1)(k)","researcher_record":{"ID / subquestion":"G04 — Authoritative reconciliation of §§21(4)/23(1)(k)","Status":"Unresolved","Claims":"C004,C042","Exact remaining evidence or next investigation":"Responsive DFI interpretation, published opinion, or final rulemaking body; generic pages insufficient."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_all_interpretation_source_currentness_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":3,"topic":"G04 — Authoritative reconciliation of §§21(4)/23(1)(k)","all_original_cells_read":true,"original_researcher_status":"Unresolved","researcher_record_unchanged":true,"exact_remaining_question_and_next_source_action_unchanged":true,"accepted":false}},{"topic":"G05 — Conditional TSR earning/allocation","researcher_record":{"ID / subquestion":"G05 — Conditional TSR earning/allocation","Status":"Answered conditionally","Claims":"C006–C007","Exact remaining evidence or next investigation":"Actual federal coverage and same-method contractual allocation 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terms."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_all_interpretation_source_currentness_contract_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":5,"topic":"G06 — Conditional federal account conditions","all_original_cells_read":true,"original_researcher_status":"Answered conditionally","researcher_record_unchanged":true,"exact_remaining_question_and_next_source_action_unchanged":true,"accepted":false}},{"topic":"G07 — Ordinary Chapter13-11 cancellation","researcher_record":{"ID / subquestion":"G07 — Ordinary Chapter13-11 cancellation","Status":"Answered at text level","Claims":"C010,C012","Exact remaining evidence or next investigation":"Actual cancellation event and lawful earned-fee calculation."},"raw_table_index":12,"coordinator_acceptance":"scoped_coordinator_review_all_interpretation_source_currentness_contract_application_parent_holds","coordinator_review":"[internal 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