{"meta":{"key":"s_ne--pass-02","task":"S_NE","title":"SNE focused precision correction and current Title 433 evidence","parent_title":"Nebraska debt and debt relief law","edition":"pass-02","path":"/research/s_ne--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":4,"claims":8,"sources":12,"review_status":"accepted_with_limits","review_complete":true,"sha256":"41e0035c9b29f3bb9c5189e16ad0abe30b8a72c90c0041aa3c8dbd7a76ad439c","headings":["A. Federal wording replacements","A1. Replacement for PASS-01 §4.4 and old claim S_NE-P1-C026","A2. Replacement for old claim S_NE-P1-C024","A3. Dedicated-account language relevant to cancellation","B. Focused Example 3 and Example 4 qualifications","B1. Example 3 — cancellation qualification only","B2. Example 4 — conservative initial-payment branch","C. Current Title 433 evidence determination","C1. Narrow result","C2. Current evidentiary conclusion","D. Focused Title 433 source/version/status matrix","E. Focused source register","F. Focused replacement claim register","G. Focused coverage and gap table","H. Researcher self-check","Freshly read in PASS-02","Supplied or same-coordinator evidence expressly reused","Search-only, inaccessible, or not substantively read","Not performed or claimed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-02","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":[]},"scope":"Onlyfederaltimingprecision/E03cancellationandE04initial-exceptionqualification/remainingofficialcurrentTitle433evidence;nofullstatereport/examplesrerun","pending_corrections":0},"markdown":"# S_NE PASS-02 — focused precision correction and current Title 433 evidence\n\n**Actual access date:** October 25, 2026, Pacific time\n**Mode/model:** Regular Chat; GPT-5.6 Sol Pro\n**Review status:** Same-coordinator focused correction, **not independent review**. The original PASS-01 record remains intact except for the expressly replaced or qualified language below.\n\nThis addendum does not repeat the Nebraska overview, definitions, CSO framework, seven complete examples, or the original source and claim registers. It does not approve a provider, contract, account arrangement, fee model, state dossier, parent component, or A066 publication status.\n\n## A. Federal wording replacements\n\n### A1. Replacement for PASS-01 §4.4 and old claim S_NE-P1-C026\n\nWhen the Telemarketing Sales Rule applies and goods or services are represented to remove derogatory information from, or improve, a person’s credit history, credit record, or credit rating, 16 C.F.R. §310.4(a)(2) prohibits **requesting or receiving** any fee or consideration until **both** of the following conditions have occurred:\n\n1. The time period in which the seller represented that **all of the promised goods or services** would be provided has expired; and\n2. The seller has **provided the person** with documentation in the form of a consumer report from a consumer reporting agency demonstrating that the promised results were achieved, with that report issued **more than six months after the results were achieved**.\n\nThe regulation further preserves the Fair Credit Reporting Act limitation that a consumer report may be obtained only for a specified permissible purpose. This credit-repair branch is distinct from the debt-relief fee conditions in §310.4(a)(5). Actual TSR coverage, seller or telemarketer status, representations, calls, exemptions, and FCRA permissible purpose remain transaction-specific holds. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### A2. Replacement for old claim S_NE-P1-C024\n\nWhen §310.4(a)(5)(i) applies, a seller or telemarketer may not request or receive payment of a debt-relief fee until and unless:\n\n- The seller or telemarketer has renegotiated, settled, reduced, or otherwise altered the terms of **at least one debt pursuant to a settlement agreement, debt-management plan, or other valid contractual agreement executed by the customer**;\n- The customer has made **at least one payment pursuant to that agreement between the customer and the creditor or debt collector**; and\n- When debts are altered individually, the fee attributable to each debt is calculated by one of the regulation’s two complete allocation methods:the fee bears the same proportional relationship to the total fee as that individual debt bears to the customer’s entire debt balance, with both debt amounts measured as owed when the customer enrolled; orthe fee is a percentage of the amount saved, using the **same percentage for every debt**, with savings measured as the enrolled amount owed minus the amount actually paid to satisfy that debt.\n\nThe provider may not switch allocation methods from debt to debt. An allocated amount is not automatically an immediately collectible amount; all applicable state timing, amortization, contract, and federal earning conditions still apply. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n### A3. Dedicated-account language relevant to cancellation\n\nWhen the separate-account conditions in §310.4(a)(5)(ii) apply, the customer must be able to withdraw from the account at any time without penalty, and must receive all funds in the account—except fees earned in compliance with §310.4(a)(5)(i)(A) through (C)—within seven business days after the customer’s request. This condition does not establish that every Nebraska customer uses such an account or that every Nebraska cancellation amount is federally prohibited. It does mean that a state-law cancellation ceiling, standing alone, does not establish that an amount is federally earned or may be withdrawn from a covered dedicated account. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## B. Focused Example 3 and Example 4 qualifications\n\n### B1. Example 3 — cancellation qualification only\n\nThe preserved inputs and arithmetic remain:\n\n- Nebraska pass-through base: **$6,000**\n- Contracted fee: **$900**\n- Contract term: **12 months**\n- Monthly amortized fee: **$75**\n- Four lawful monthly periods after all applicable earning and timing conditions:\n**4 × $75 = $300 applied**\n- Remaining unamortized contracted fee:\n**$900 − $300 = $600**\n- Nominal Nebraska cancellation ceiling:\n**25% × $600 = $150**\n- Possible cumulative amount under the unresolved “additional compensation” reading:\n**$300 + $150 = $450**\n\nThe four $75 amounts are assumed to have been applied during **four separate lawful monthly periods after all applicable triggers**. The example does not permit the provider to collect four monthly fees immediately when the first federal performance trigger occurs.\n\nThe $150 calculation is only the mathematical Nebraska ceiling derived from §69-1212. The statute still does not conclusively establish in this record whether that amount is additional to previously applied fees or represents another form of cancellation settlement. Nor does the Nebraska ceiling itself establish that the $150 is an “earned” fee for federal purposes.\n\nWhen the transaction uses a dedicated account governed by §310.4(a)(5)(ii), the no-penalty withdrawal and seven-business-day return requirement independently applies, except for fees already earned under §310.4(a)(5)(i)(A) through (C). Therefore:\n\n- the Nebraska $150 ceiling does not itself authorize a $150 withdrawal from a covered account;\n- it does not convert an unearned amount into a federally earned fee;\n- no exact federal refund amount can be calculated without the actual account structure, TSR coverage facts, settlement agreements, debt-level allocation, prior fee history, and cancellation provision; and\n- this qualification does not assume that Example 3 used a dedicated account or that every state cancellation payment is universally unlawful.\n\nThe preserved numerical equality is correct; lawful characterization and collectibility remain partially held. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212)\n\n### B2. Example 4 — conservative initial-payment branch\n\nThe preserved inputs remain:\n\n- Total debt enrolled for the federal proportional allocation: **E = $10,000**\n- Debt A enrolled amount: **$4,000**\n- Debt B enrolled amount: **$6,000**\n- Separately assumed Nebraska money agreed to pass through the licensee:\n**B_NE = $10,000**\n- Contracted fee: **$1,500**\n- Contract term: **20 months**\n- Nebraska monthly amortized amount:\n**$1,500 ÷ 20 = $75**\n- Fees previously requested or received: **$0**\n- Federal proportional allocation:Debt A: **$4,000 ÷ $10,000 × $1,500 = $600**Debt B: **$6,000 ÷ $10,000 × $1,500 = $900**, contingent on Debt B later satisfying its own federal conditions.\n\nAssuming Debt A has satisfied the complete §310.4(a)(5)(i)(A)–(C) requirements, the $600 is the fee allocation attributable to Debt A under the selected federal method. It does **not** authorize immediate collection of the entire $600. Nebraska’s monthly amortization remains independently relevant.\n\nFor this example only, the conservative accounting branch is expressly selected:\n\nAny Nebraska §69-1212 initial payment of up to $25 is included within—not added to—the same $75 monthly amount.\n\nAccordingly, the amount requested or received during that first lawful fee month is no more than **$75 under this example’s selected conservative branch**. The example does not approve a $25-plus-$75, or $100, first-month charge. It also does not purport to resolve the statutory treatment of the initial-payment exception for every contract.\n\nNo pre-trigger monthly fee is treated as accrued or collectible, and no catch-up amount is created merely because Debt A later satisfies the federal trigger. Debt B’s $900 allocation remains contingent on Debt B satisfying its own conditions, and the provider may not switch Debt B to the percentage-of-savings method.\n\nIf **only** the independently assumed Nebraska pass-through base changes from $10,000 to $6,000:\n\n- Nebraska aggregate ceiling: **$6,000 × 15% = $900**\n- A $1,500 contracted fee exceeds that state ceiling and is invalid on those assumptions.\n\nA future change in the Nebraska pass-through base is not automatically a corresponding change in federal enrolled debt or federal savings. Those are distinct legal and mathematical variables. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212)\n\n## C. Current Title 433 evidence determination\n\n### C1. Narrow result\n\nNeb. Rev. Stat. §69-1208 provides that rules issued pursuant to the Debt Management Act must be promulgated under Nebraska’s Administrative Procedure Act. That provision establishes the required procedure for such rules; it does not itself establish that a particular debt-management fee rule currently exists. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208)\n\nThe current codified text of §69-1212 continues to display the operative statutory provisions relevant here:\n\n- 15% of the amount agreed to be paid through the licensee;\n- amortization over the contract;\n- no more than the monthly amortized amount applied during a month;\n- an initial payment no greater than $25, credited against the total fee;\n- cancellation compensation no greater than 25% of the remaining unamortized contracted fee;\n- no fee entitlement before the program is arranged and approved; and\n- no effective contract until the debtor makes a payment for creditor distribution. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212)\n\nThe Nebraska Secretary of State’s current public index identifies **Title 433, Licensing Regulations**, but the visible HTML index does not enumerate Title 433’s chapters. Its displayed licensing-guidance list contains selected guidance for athlete agents, civil-litigation funding, collection-agency work-from-home operations, and private detectives; the list’s omission of debt-management guidance is not proof that no debt-management authority exists elsewhere. [Nebraska Secretary of State](https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents)\n\nThe official dynamic Title 433 catalog could not be substantively read through the permitted public-web route because it returned a JavaScript application shell. The official docket route returned a JavaScript shell in this PASS-02 access; the supplied same-coordinator access record reports a separate 403 outcome. Neither access result establishes the presence or absence, effectiveness, amendment, withdrawal, or proposal of a debt-management rule. [Nebraska Rules+1](https://rules.nebraska.gov/rules?agencyId=61&titleId=201)\n\nThe February 19, 2026 annual index was freshly inspected visually in this pass. It identifies “Licensing and Notary Public Regulations (Title 433)” and lists the same selected licensing-guidance subjects. It also identifies the website as the source updated from time to time and therefore does not prove that no later amendment, chapter, order, or guidance existed after February 19, 2026. [Nebraska Legislature+1](https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf)\n\nThe current Debt Management Agencies page links the roster, application materials, bond form, branch form, and Chapter 69 statutes. No separate Title 433 debt-management rule link is displayed on that page. That is evidence about the page’s current contents, not proof that no operative rule exists. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/debt-management-agencies)\n\n### C2. Current evidentiary conclusion\n\nThrough the accessible official materials reviewed in this focused pass, **no currently effective, debt-management-specific Title 433 provision or adoption order was verified that changes, indexes, supplements, or definitively interprets**:\n\n- the 15% statutory fee base;\n- monthly amortization;\n- the credited $25 initial payment;\n- the 25% cancellation calculation;\n- “fees and costs”;\n- prepayment treatment; or\n- a CPI or other adjustment mechanism.\n\nThis is a **verification gap**, not a categorical finding that no such rule, order, interpretation, or historical provision exists. The current codified statute remains the verified operative source for the identified numbers. No adjusted amount, index calculation, separate cost authority, or rule-created fee may be invented from the inaccessible catalog.\n\n## D. Focused Title 433 source/version/status matrix\n\n| Instrument or route | PASS-02 access classification | Exact scope or pinpoint | Version/effective status | Effect on the fee question |\n| --- | --- | --- | --- | --- |\n| Neb. Rev. Stat. §69-1208 | **Freshly read; enacted/codified authority** | https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208; operative sentence requiring rules issued under §§69-1201–69-1217 to be promulgated under the APA | Current official codification displayed October 25, 2026 | Establishes rulemaking procedure, not existence or content of a fee rule. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208) |\n| Neb. Rev. Stat. §69-1212 | **Freshly read; enacted/codified authority** | https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212; complete operative fee, amortization, initial-payment, cancellation, approval, and effectiveness paragraph | Current official codification displayed October 25, 2026 | Verifies the statutory figures and conditions; does not resolve every accounting or federal-interaction question. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) |\n| SOS Rules and Guidance Index | **Freshly read current agency webpage** | https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; Rules Index entries including Title 433 and displayed Licensing guidance entries | Live page accessed October 25, 2026; webpage date is not a rule effective date | Confirms Title 433’s existence and the page’s displayed guidance list; does not enumerate all Title 433 chapters or prove absence of DMP rules. [Nebraska Secretary of State](https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents) |\n| Official Title 433 dynamic catalog | **Failed substantive access—JavaScript shell** | https://rules.nebraska.gov/rules?agencyId=61&titleId=201 | Accessed October 25, 2026; no chapter text or metadata retrieved | Cannot establish the current chapter universe, versions, effective dates, or DMP content. [Nebraska Rules](https://rules.nebraska.gov/rules?agencyId=61&titleId=201) |\n| Official rulemaking docket | **Failed substantive access in PASS-02—JavaScript shell; supplied coordinator record separately reports 403** | https://rules.nebraska.gov/docket | Accessed October 25, 2026; no complete docket entries or adoption records retrieved | Cannot establish pending, adopted, withdrawn, stayed, or later-effective Title 433 amendments. [Nebraska Rules](https://rules.nebraska.gov/docket) |\n| February 19, 2026 annual rules/guidance index | **Freshly visually read in PASS-02; official dated snapshot** | https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf; pp. 1–2 | Snapshot dated February 19, 2026; not a later-year amendment search | Identifies Title 433 and selected guidance; does not enumerate chapters or establish absence of later changes. [Nebraska Legislature+1](https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf) |\n| SOS Debt Management Agencies page | **Freshly read current operational page** | https://sos.nebraska.gov/licensing/debt-management-agencies; displayed roster, forms, bond, branch application, and statutes links | Live page accessed October 25, 2026 | No separate DMP rule link displayed; page content cannot substitute for an official current rules catalog. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/debt-management-agencies) |\n| SOS Debt Management Statutes page | **Freshly read agency index to statutes** | https://sos.nebraska.gov/licensing/debt-management-statutes; displayed §§69-1201–69-1217 links | Live page accessed October 25, 2026 | Confirms the agency directs users to Chapter 69 statutes; does not establish that statutes are the complete rule universe. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/debt-management-statutes) |\n| Title 433 Chapter 1 static official PDF | **Freshly visually inspected; unrelated subject; current effect not established** | https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf; title page identifies Truth and Deception Examiners | Undated static agency-hosted PDF; adoption/current-version status not established in this pass | Not debt-management authority and not used to interpret fees. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf) |\n| Title 433 Chapter 4 static official PDF | **Freshly visually inspected; unrelated subject; current effect not established** | https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf; title page identifies Athlete Agents | Undated static agency-hosted PDF; adoption/current-version status not established | Not debt-management authority and not used to interpret fees. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf) |\n| Title 433 Chapter 5 static official PDF | **Freshly visually inspected; unrelated subject; current effect not established** | https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf; title page identifies Nonrecourse Civil Litigation Funding Companies | Undated static agency-hosted PDF; adoption/current-version status not established | Not debt-management authority and not used to interpret fees. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf) |\n\nThe static chapters were inspected only to identify and exclude their unrelated subject matter. They are not independent authorities for Nebraska debt management, and the three documents do not establish the completeness of Title 433.\n\n## E. Focused source register\n\n| Source ID | Source, literal URL, and pinpoint | Actual use/access classification | Old source alias or relationship | Limitations |\n| --- | --- | --- | --- | --- |\n| **S_NE-P2-S001** | 16 C.F.R. §310.4, https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4; paragraphs (a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E) | Current eCFR page freshly opened October 25, 2026; same-coordinator prior federal reading expressly reused rather than treated as independent Nebraska research | Replaces precision in **S_NE-P1-S014**, C024, and C026 | Federal applicability, calls, actors, representations, and exemptions remain fact-specific. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n| **S_NE-P2-S002** | Neb. Rev. Stat. §69-1212, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212; complete operative paragraph | Freshly read official current codification | Reuses the §69-1212 portion of **S_NE-P1-S001** | Does not itself resolve every initial-payment, cancellation, federal earning, or account question. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) |\n| **S_NE-P2-S003** | Neb. Rev. Stat. §69-1208, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208; rule-promulgation sentence | Freshly read official current codification | Reuses the §69-1208 portion of **S_NE-P1-S001** | Rulemaking-procedure provision, not evidence that a particular rule exists. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208) |\n| **S_NE-P2-S004** | SOS Index of Rules and Regulations and Guidance Documents, https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; Title 433 entry and displayed Licensing guidance list | Freshly read current agency webpage | Updates the focused use of **S_NE-P1-S006** | Does not enumerate Title 433 chapters; omission from displayed guidance is not conclusive. [Nebraska Secretary of State](https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents) |\n| **S_NE-P2-S005** | Official Title 433 catalog, https://rules.nebraska.gov/rules?agencyId=61&titleId=201 | Fresh access attempt; JavaScript shell only | Focused successor to part of **S_NE-P1-S008** | No chapter, version, effective-date, or operative text obtained. [Nebraska Rules](https://rules.nebraska.gov/rules?agencyId=61&titleId=201) |\n| **S_NE-P2-S006** | Official rulemaking docket, https://rules.nebraska.gov/docket | Fresh access attempt returned JavaScript shell; supplied coordinator record reports a separate 403 result | Focused successor to the docket portion of **S_NE-P1-S008** | No substantive docket or adoption-order text obtained from either access outcome. [Nebraska Rules](https://rules.nebraska.gov/docket) |\n| **S_NE-P2-S007** | Secretary of State annual index, https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf; pp. 1–2 | Freshly visually inspected in PASS-02 | Same document as **S_NE-P1-S007**; this fresh visual read does not rewrite the earlier access history | Dated snapshot only; no chapter enumeration and no proof regarding later changes. [Nebraska Legislature+1](https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf) |\n| **S_NE-P2-S008** | SOS Debt Management Agencies, https://sos.nebraska.gov/licensing/debt-management-agencies; displayed roster/forms/statutes links | Freshly read operational page | Reuses **S_NE-P1-S002** | Procedure/navigation evidence only; not a complete rule inventory. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/debt-management-agencies) |\n| **S_NE-P2-S009** | SOS Debt Management Statutes, https://sos.nebraska.gov/licensing/debt-management-statutes; displayed §§69-1201–69-1217 list | Freshly read agency index | Reuses **S_NE-P1-S003** | Statute navigation only; not proof that no regulation exists. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/debt-management-statutes) |\n| **S_NE-P2-S010** | Title 433 Chapter 1 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf; title page and inspected opening pages | Fresh visual read; official-hosted but version status unverified | No P1 substantive alias | Unrelated Truth and Deception Examiner subject; excluded from DMP reliance. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf) |\n| **S_NE-P2-S011** | Title 433 Chapter 4 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf; title page | Fresh visual read; official-hosted but version status unverified | No P1 substantive alias | Unrelated Athlete Agent subject; excluded from DMP reliance. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf) |\n| **S_NE-P2-S012** | Title 433 Chapter 5 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf; title page | Fresh visual read; official-hosted but version status unverified | No P1 substantive alias | Unrelated litigation-funding subject; excluded from DMP reliance. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf) |\n\n## F. Focused replacement claim register\n\n| Claim ID | Old alias affected | Corrected precise assertion | Sources and pinpoints | Conditions and limits |\n| --- | --- | --- | --- | --- |\n| **S_NE-P2-C001** | **S_NE-P1-C026** | Applicable TSR credit-repair rule bars **requesting or receiving** payment until both the represented period for all promised goods/services has expired and the seller has provided the person a CRA consumer report demonstrating promised results, issued more than six months after achievement; FCRA permissible-purpose requirement remains. | S_NE-P2-S001, §310.4(a)(2). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High confidence in text; actual coverage, representations, seller/telemarketer status, and exemption facts held. |\n| **S_NE-P2-C002** | **S_NE-P1-C024** | Applicable TSR debt-relief timing requires a customer-executed valid agreement altering at least one debt, at least one customer payment pursuant to the customer-creditor/debt-collector agreement, and—when debts are individually altered—a complete proportional or uniform percentage-of-savings allocation. | S_NE-P2-S001, §310.4(a)(5)(i)(A)–(C). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | High confidence in text; allocated amount is not automatically immediately collectible. |\n| **S_NE-P2-C003** | New qualification to P1 cancellation discussion | For a dedicated account governed by §310.4(a)(5)(ii), customer withdrawal must be available without penalty and all account funds except fees earned under (i)(A)–(C) must be returned within seven business days of request. | S_NE-P2-S001, §310.4(a)(5)(ii)(E). [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Does not assume every Nebraska program uses a covered dedicated account or categorically invalidate every cancellation amount. |\n| **S_NE-P2-C004** | **S_NE-P1-C012** | Example 4 adopts a conservative accounting branch under which any initial $25 is included in, rather than added to, the $75 first lawful monthly amount. | S_NE-P2-S002, §69-1212; Example 4 assumptions. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) | Example-specific accounting choice only; does not resolve §69-1212’s initial-payment exception generally or approve $25 + $75. |\n| **S_NE-P2-C005** | **S_NE-P1-C013** | Example 3’s $150 is the nominal state ceiling calculated as 25% of the $600 remaining unamortized fee; cumulative $450 exists only under the unresolved additional-compensation reading. The state ceiling does not establish federal earning or dedicated-account withdrawal permission. | S_NE-P2-S002, §69-1212; S_NE-P2-S001, §310.4(a)(5)(i), (ii)(E). [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) | Exact contract, account, TSR coverage, debt allocation, and prior fee facts are required; no exact refund calculated. |\n| **S_NE-P2-C006** | **S_NE-P1-C030** | No current debt-management-specific Title 433 rule or adoption order modifying the identified fee terms was **verified through the accessible official materials**. | S_NE-P2-S003–S_NE-P2-S009. [Nebraska Legislature+5](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208) | Partial/HOLD. This is not a finding that no rule, order, interpretation, or historical provision exists. |\n| **S_NE-P2-C007** | Clarifies P1 C015/C030 | Current §69-1212 continues to display 15%, $25, and 25% without an express statutory indexing mechanism; no separate current adjustment instrument was verified. | S_NE-P2-S002; S_NE-P2-S004–S_NE-P2-S009. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) | High for codified statutory text; partial for complete rule/order universe. No CPI calculation or adjusted amount may be invented. |\n| **S_NE-P2-C008** | Access-history clarification | The February 19 annual PDF was visually readable in this PASS-02 review, while the current dynamic catalog and docket were not substantively readable through the permitted route. | S_NE-P2-S005–S_NE-P2-S007. [Nebraska Rules+3](https://rules.nebraska.gov/rules?agencyId=61&titleId=201) | Does not retroactively change the earlier coordinator’s access history and does not constitute independent review. |\n\n## G. Focused coverage and gap table\n\n| Focused issue | PASS-02 status | Claim IDs | Remaining evidence or next action |\n| --- | --- | --- | --- |\n| TSR credit-repair timing language | **Corrected/answered textually** | P2-C001 | Apply only after determining actual representations, TSR coverage, actors, exemptions, and FCRA permissible purpose. |\n| TSR debt-relief performance and allocation language | **Corrected/answered textually** | P2-C002 | Transaction-level agreements, customer payment, enrolled balances, actual settlement amount, and chosen allocation method remain necessary. |\n| Dedicated-account no-penalty and seven-business-day condition | **Answered conditionally** | P2-C003 | Determine whether the provider required a covered account and what fees were actually earned under (i)(A)–(C). |\n| Example 3 four monthly fees | **Qualified** | P2-C005 | Preserve four separate lawful monthly periods; no immediate four-month catch-up after one federal trigger. |\n| Example 3 cancellation amount | **Arithmetic retained; legal characterization held** | P2-C005 | Actual contract, account, TSR coverage, federal earning, cancellation request, and withdrawal facts. |\n| Example 4 $75 first lawful month | **Qualified under expressly selected conservative branch** | P2-C004 | General §69-1212 treatment of the $25 exception remains unresolved. |\n| Example 4 federal allocation | **Corrected/retained** | P2-C002, P2-C004 | Debt A’s $600 allocation does not authorize immediate $600 collection; Debt B’s $900 remains contingent and method-consistent. |\n| Example 4 changed Nebraska base | **Answered on stated assumptions** | P2-C004 | A $6,000 pass-through base yields a $900 state ceiling; future base changes must not be equated automatically with federal enrolled debt or savings. |\n| Current statutory fee text | **Verified** | P2-C007 | No further action needed for the literal current codified numbers; interpretation questions remain. |\n| Current Title 433 chapter universe | **Unresolved** | P2-C006, P2-C008 | Obtain an accessible official chapter-level Title 433 catalog or certified compilation showing each chapter, revision date, and effective date. |\n| Current Title 433 DMP fee chapter | **Not verified; held** | P2-C006 | Inspect any officially identified DMP chapter in full, including history notes and effective dates. |\n| Docket/adoption orders | **Not substantively accessible** | P2-C006, P2-C008 | Retrieve official docket entries and adoption orders governing Title 433 debt-management fee, amortization, cancellation, cost, or indexing provisions. |\n| Annual index | **Freshly read but date-limited** | P2-C008 | Do not use February 19, 2026 snapshot to infer absence of later activity. |\n| Initial $25 general interpretation | **Still held** | P2-C004 | Official rule, order, approved-form authority, or controlling decision addressing its relationship to monthly amortization. |\n| Cancellation fee versus federal earning/account rules | **Still held** | P2-C003, P2-C005 | Fact-specific federal and state analysis; no universal approval or prohibition. |\n| “Fees and costs,” prepayment, rounding, retroactive catch-up | **Still held** | P2-C006, P2-C007 | Current official rule/order or controlling interpretation. |\n| Noncustodial, remote nexus, complete money-transmission, contracts, cases, remedies, sectors, local and tribal issues | **Outside PASS-02; remain required** | Original PASS-01 holds preserved | Separate authorized passes; no resolution or acceptance by implication. |\n\n## H. Researcher self-check\n\n### Freshly read in PASS-02\n\n- Current 16 C.F.R. §310.4(a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E).\n- Current Neb. Rev. Stat. §§69-1208 and 69-1212.\n- Current Nebraska Secretary of State rules/guidance HTML index.\n- Current Debt Management Agencies and Debt Management Statutes pages.\n- Both pages of the February 19, 2026 annual index through fresh readable screenshots.\n- Opening/title material of official-hosted Title 433 Chapters 1, 4, and 5, solely to identify their unrelated subject matter.\n\n### Supplied or same-coordinator evidence expressly reused\n\n- The original PASS-01 record and its immutable calculations.\n- The prior same-coordinator federal readings identified in the assignment.\n- The preserved Chapter 69, CSO, roster, application, NDBF, CROA, money-transmission, and example evidence, except where expressly qualified above.\n\nThis reuse is not a second independent review.\n\n### Search-only, inaccessible, or not substantively read\n\n- The official Title 433 dynamic catalog returned only a JavaScript shell.\n- The official docket returned a JavaScript shell in the fresh PASS-02 route; the supplied coordinator record separately reported a 403 response.\n- No substantive docket entry or adoption order was obtained.\n- Search-indexed or secondary chapter lists were not treated as legal authority or as proof of the complete current Title 433 chapter universe.\n- Failed or unrelated static chapter routes were not converted into debt-management authority.\n\n### Not performed or claimed\n\n- No API, Chrome control, Deep Research, Work, Codex research generation, purchase, account action, application, contact, records request, provider lookup, private borrower-data review, local write, publication, or website change.\n- No complete current certified Title 433 compilation.\n- No provider contract, dedicated-account agreement, account ledger, cancellation request, or fee withdrawal reviewed.\n- No exhaustive citator, trial-court, administrative-enforcement, money-transmission, remote-nexus, noncustodial, remedies, collection, secured-sector, local, or tribal investigation.\n- No Nebraska component, full-state dossier, parent project, A066, operational, legal, or publication acceptance.\n\n**Focused disposition:** The federal claim language and Examples 3–4 are corrected as stated. Nebraska’s current codified fee figures remain verified. A current debt-management-specific Title 433 fee rule or adoption order was not verified through the accessible official record; that question remains narrowly and expressly held rather than converted into a no-rule finding.\n\nEND S_NE PASS-02.\n\n","tables":[{"headers":["Instrument or route","PASS-02 access classification","Exact scope or pinpoint","Version/effective status","Effect on the fee question"],"index":0,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"},{"href":"https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents","text":"Nebraska Secretary of State"},{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules"},{"href":"https://rules.nebraska.gov/docket","text":"Nebraska Rules"},{"href":"https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf","text":"Nebraska Legislature\n+1"},{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/licensing/debt-management-statutes","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf","text":"Nebraska Secretary of State"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"}],[{"href":"https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents","text":"Nebraska Secretary of State"}],[{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules"}],[{"href":"https://rules.nebraska.gov/docket","text":"Nebraska Rules"}],[{"href":"https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf","text":"Nebraska Legislature\n+1"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-statutes","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf","text":"Nebraska Secretary of State"}]],"rows":[["Instrument or route","PASS-02 access classification","Exact scope or pinpoint","Version/effective status","Effect on the fee question"],["Neb. Rev. Stat. §69-1208","Freshly read; enacted/codified authority","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208; operative sentence requiring rules issued under §§69-1201–69-1217 to be promulgated under the APA","Current official codification displayed October 25, 2026","Establishes rulemaking procedure, not existence or content of a fee rule. \nNebraska Legislature"],["Neb. Rev. Stat. §69-1212","Freshly read; enacted/codified authority","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212; complete operative fee, amortization, initial-payment, cancellation, approval, and effectiveness paragraph","Current official codification displayed October 25, 2026","Verifies the statutory figures and conditions; does not resolve every accounting or federal-interaction question. \nNebraska Legislature"],["SOS Rules and Guidance Index","Freshly read current agency webpage","https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; Rules Index entries including Title 433 and displayed Licensing guidance entries","Live page accessed October 25, 2026; webpage date is not a rule effective date","Confirms Title 433’s existence and the page’s displayed guidance list; does not enumerate all Title 433 chapters or prove absence of DMP rules. \nNebraska Secretary of State"],["Official Title 433 dynamic catalog","Failed substantive access—JavaScript shell","https://rules.nebraska.gov/rules?agencyId=61&titleId=201","Accessed October 25, 2026; no chapter text or metadata retrieved","Cannot establish the current chapter universe, versions, effective dates, or DMP content. \nNebraska Rules"],["Official rulemaking docket","Failed substantive access in PASS-02—JavaScript shell; supplied coordinator record separately reports 403","https://rules.nebraska.gov/docket","Accessed October 25, 2026; no complete docket entries or adoption records retrieved","Cannot establish pending, adopted, withdrawn, stayed, or later-effective Title 433 amendments. \nNebraska Rules"],["February 19, 2026 annual rules/guidance index","Freshly visually read in PASS-02; official dated snapshot","https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf; pp. 1–2","Snapshot dated February 19, 2026; not a later-year amendment search","Identifies Title 433 and selected guidance; does not enumerate chapters or establish absence of later changes. \nNebraska Legislature\n+1"],["SOS Debt Management Agencies page","Freshly read current operational page","https://sos.nebraska.gov/licensing/debt-management-agencies; displayed roster, forms, bond, branch application, and statutes links","Live page accessed October 25, 2026","No separate DMP rule link displayed; page content cannot substitute for an official current rules catalog. \nNebraska Secretary of State"],["SOS Debt Management Statutes page","Freshly read agency index to statutes","https://sos.nebraska.gov/licensing/debt-management-statutes; displayed §§69-1201–69-1217 links","Live page accessed October 25, 2026","Confirms the agency directs users to Chapter 69 statutes; does not establish that statutes are the complete rule universe. \nNebraska Secretary of State"],["Title 433 Chapter 1 static official PDF","Freshly visually inspected; unrelated subject; current effect not established","https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf; title page identifies Truth and Deception Examiners","Undated static agency-hosted PDF; adoption/current-version status not established in this pass","Not debt-management authority and not used to interpret fees. \nNebraska Secretary of State"],["Title 433 Chapter 4 static official PDF","Freshly visually inspected; unrelated subject; current effect not established","https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf; title page identifies Athlete Agents","Undated static agency-hosted PDF; adoption/current-version status not established","Not debt-management authority and not used to interpret fees. \nNebraska Secretary of State"],["Title 433 Chapter 5 static official PDF","Freshly visually inspected; unrelated subject; current effect not established","https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf; title page identifies Nonrecourse Civil Litigation Funding Companies","Undated static agency-hosted PDF; adoption/current-version status not established","Not debt-management authority and not used to interpret fees. \nNebraska Secretary of State"]]},{"headers":["Source ID","Source, literal URL, and pinpoint","Actual use/access classification","Old source alias or relationship","Limitations"],"index":1,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature"},{"href":"https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents","text":"Nebraska Secretary of State"},{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules"},{"href":"https://rules.nebraska.gov/docket","text":"Nebraska Rules"},{"href":"https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf","text":"Nebraska Legislature\n+1"},{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/licensing/debt-management-statutes","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf","text":"Nebraska Secretary of State"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature"}],[{"href":"https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents","text":"Nebraska Secretary of State"}],[{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules"}],[{"href":"https://rules.nebraska.gov/docket","text":"Nebraska Rules"}],[{"href":"https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf","text":"Nebraska Legislature\n+1"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-statutes","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf","text":"Nebraska Secretary of State"}]],"rows":[["Source ID","Source, literal URL, and pinpoint","Actual use/access classification","Old source alias or relationship","Limitations"],["S_NE-P2-S001","16 C.F.R. §310.4, https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4; paragraphs (a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E)","Current eCFR page freshly opened October 25, 2026; same-coordinator prior federal reading expressly reused rather than treated as independent Nebraska research","Replaces precision in S_NE-P1-S014, C024, and C026","Federal applicability, calls, actors, representations, and exemptions remain fact-specific. \neCFR"],["S_NE-P2-S002","Neb. Rev. Stat. §69-1212, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212; complete operative paragraph","Freshly read official current codification","Reuses the §69-1212 portion of S_NE-P1-S001","Does not itself resolve every initial-payment, cancellation, federal earning, or account question. \nNebraska Legislature"],["S_NE-P2-S003","Neb. Rev. Stat. §69-1208, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208; rule-promulgation sentence","Freshly read official current codification","Reuses the §69-1208 portion of S_NE-P1-S001","Rulemaking-procedure provision, not evidence that a particular rule exists. \nNebraska Legislature"],["S_NE-P2-S004","SOS Index of Rules and Regulations and Guidance Documents, https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; Title 433 entry and displayed Licensing guidance list","Freshly read current agency webpage","Updates the focused use of S_NE-P1-S006","Does not enumerate Title 433 chapters; omission from displayed guidance is not conclusive. \nNebraska Secretary of State"],["S_NE-P2-S005","Official Title 433 catalog, https://rules.nebraska.gov/rules?agencyId=61&titleId=201","Fresh access attempt; JavaScript shell only","Focused successor to part of S_NE-P1-S008","No chapter, version, effective-date, or operative text obtained. \nNebraska Rules"],["S_NE-P2-S006","Official rulemaking docket, https://rules.nebraska.gov/docket","Fresh access attempt returned JavaScript shell; supplied coordinator record reports a separate 403 result","Focused successor to the docket portion of S_NE-P1-S008","No substantive docket or adoption-order text obtained from either access outcome. \nNebraska Rules"],["S_NE-P2-S007","Secretary of State annual index, https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf; pp. 1–2","Freshly visually inspected in PASS-02","Same document as S_NE-P1-S007; this fresh visual read does not rewrite the earlier access history","Dated snapshot only; no chapter enumeration and no proof regarding later changes. \nNebraska Legislature\n+1"],["S_NE-P2-S008","SOS Debt Management Agencies, https://sos.nebraska.gov/licensing/debt-management-agencies; displayed roster/forms/statutes links","Freshly read operational page","Reuses S_NE-P1-S002","Procedure/navigation evidence only; not a complete rule inventory. \nNebraska Secretary of State"],["S_NE-P2-S009","SOS Debt Management Statutes, https://sos.nebraska.gov/licensing/debt-management-statutes; displayed §§69-1201–69-1217 list","Freshly read agency index","Reuses S_NE-P1-S003","Statute navigation only; not proof that no regulation exists. \nNebraska Secretary of State"],["S_NE-P2-S010","Title 433 Chapter 1 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf; title page and inspected opening pages","Fresh visual read; official-hosted but version status unverified","No P1 substantive alias","Unrelated Truth and Deception Examiner subject; excluded from DMP reliance. \nNebraska Secretary of State"],["S_NE-P2-S011","Title 433 Chapter 4 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf; title page","Fresh visual read; official-hosted but version status unverified","No P1 substantive alias","Unrelated Athlete Agent subject; excluded from DMP reliance. \nNebraska Secretary of State"],["S_NE-P2-S012","Title 433 Chapter 5 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf; title page","Fresh visual read; official-hosted but version status unverified","No P1 substantive alias","Unrelated litigation-funding subject; excluded from DMP reliance. \nNebraska Secretary of State"]]},{"headers":["Claim ID","Old alias affected","Corrected precise assertion","Sources and pinpoints","Conditions and limits"],"index":2,"links":[{"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://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature\n+5"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature\n+2"},{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules\n+3"}],"row_links":[[],[{"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://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","text":"Nebraska Legislature\n+5"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature\n+2"}],[{"href":"https://rules.nebraska.gov/rules?agencyId=61&titleId=201","text":"Nebraska Rules\n+3"}]],"rows":[["Claim ID","Old alias affected","Corrected precise assertion","Sources and pinpoints","Conditions and limits"],["S_NE-P2-C001","S_NE-P1-C026","Applicable TSR credit-repair rule bars requesting or receiving payment until both the represented period for all promised goods/services has expired and the seller has provided the person a CRA consumer report demonstrating promised results, issued more than six months after achievement; FCRA permissible-purpose requirement remains.","S_NE-P2-S001, §310.4(a)(2). \neCFR","High confidence in text; actual coverage, representations, seller/telemarketer status, and exemption facts held."],["S_NE-P2-C002","S_NE-P1-C024","Applicable TSR debt-relief timing requires a customer-executed valid agreement altering at least one debt, at least one customer payment pursuant to the customer-creditor/debt-collector agreement, and—when debts are individually altered—a complete proportional or uniform percentage-of-savings allocation.","S_NE-P2-S001, §310.4(a)(5)(i)(A)–(C). \neCFR","High confidence in text; allocated amount is not automatically immediately collectible."],["S_NE-P2-C003","New qualification to P1 cancellation discussion","For a dedicated account governed by §310.4(a)(5)(ii), customer withdrawal must be available without penalty and all account funds except fees earned under (i)(A)–(C) must be returned within seven business days of request.","S_NE-P2-S001, §310.4(a)(5)(ii)(E). \neCFR","Does not assume every Nebraska program uses a covered dedicated account or categorically invalidate every cancellation amount."],["S_NE-P2-C004","S_NE-P1-C012","Example 4 adopts a conservative accounting branch under which any initial $25 is included in, rather than added to, the $75 first lawful monthly amount.","S_NE-P2-S002, §69-1212; Example 4 assumptions. \nNebraska Legislature","Example-specific accounting choice only; does not resolve §69-1212’s initial-payment exception generally or approve $25 + $75."],["S_NE-P2-C005","S_NE-P1-C013","Example 3’s $150 is the nominal state ceiling calculated as 25% of the $600 remaining unamortized fee; cumulative $450 exists only under the unresolved additional-compensation reading. The state ceiling does not establish federal earning or dedicated-account withdrawal permission.","S_NE-P2-S002, §69-1212; S_NE-P2-S001, §310.4(a)(5)(i), (ii)(E). \nNebraska Legislature\n+1","Exact contract, account, TSR coverage, debt allocation, and prior fee facts are required; no exact refund calculated."],["S_NE-P2-C006","S_NE-P1-C030","No current debt-management-specific Title 433 rule or adoption order modifying the identified fee terms was verified through the accessible official materials.","S_NE-P2-S003–S_NE-P2-S009. \nNebraska Legislature\n+5","Partial/HOLD. This is not a finding that no rule, order, interpretation, or historical provision exists."],["S_NE-P2-C007","Clarifies P1 C015/C030","Current §69-1212 continues to display 15%, $25, and 25% without an express statutory indexing mechanism; no separate current adjustment instrument was verified.","S_NE-P2-S002; S_NE-P2-S004–S_NE-P2-S009. \nNebraska Legislature\n+2","High for codified statutory text; partial for complete rule/order universe. No CPI calculation or adjusted amount may be invented."],["S_NE-P2-C008","Access-history clarification","The February 19 annual PDF was visually readable in this PASS-02 review, while the current dynamic catalog and docket were not substantively readable through the permitted route.","S_NE-P2-S005–S_NE-P2-S007. \nNebraska Rules\n+3","Does not retroactively change the earlier coordinator’s access history and does not constitute independent review."]]},{"headers":["Focused issue","PASS-02 status","Claim IDs","Remaining evidence or next action"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Focused issue","PASS-02 status","Claim IDs","Remaining evidence or next action"],["TSR credit-repair timing language","Corrected/answered textually","P2-C001","Apply only after determining actual representations, TSR coverage, actors, exemptions, and FCRA permissible purpose."],["TSR debt-relief performance and allocation language","Corrected/answered textually","P2-C002","Transaction-level agreements, customer payment, enrolled balances, actual settlement amount, and chosen allocation method remain necessary."],["Dedicated-account no-penalty and seven-business-day condition","Answered conditionally","P2-C003","Determine whether the provider required a covered account and what fees were actually earned under (i)(A)–(C)."],["Example 3 four monthly fees","Qualified","P2-C005","Preserve four separate lawful monthly periods; no immediate four-month catch-up after one federal trigger."],["Example 3 cancellation amount","Arithmetic retained; legal characterization held","P2-C005","Actual contract, account, TSR coverage, federal earning, cancellation request, and withdrawal facts."],["Example 4 $75 first lawful month","Qualified under expressly selected conservative branch","P2-C004","General §69-1212 treatment of the $25 exception remains unresolved."],["Example 4 federal allocation","Corrected/retained","P2-C002, P2-C004","Debt A’s $600 allocation does not authorize immediate $600 collection; Debt B’s $900 remains contingent and method-consistent."],["Example 4 changed Nebraska base","Answered on stated assumptions","P2-C004","A $6,000 pass-through base yields a $900 state ceiling; future base changes must not be equated automatically with federal enrolled debt or savings."],["Current statutory fee text","Verified","P2-C007","No further action needed for the literal current codified numbers; interpretation questions remain."],["Current Title 433 chapter universe","Unresolved","P2-C006, P2-C008","Obtain an accessible official chapter-level Title 433 catalog or certified compilation showing each chapter, revision date, and effective date."],["Current Title 433 DMP fee chapter","Not verified; held","P2-C006","Inspect any officially identified DMP chapter in full, including history notes and effective dates."],["Docket/adoption orders","Not substantively accessible","P2-C006, P2-C008","Retrieve official docket entries and adoption orders governing Title 433 debt-management fee, amortization, cancellation, cost, or indexing provisions."],["Annual index","Freshly read but date-limited","P2-C008","Do not use February 19, 2026 snapshot to infer absence of later activity."],["Initial $25 general interpretation","Still held","P2-C004","Official rule, order, approved-form authority, or controlling decision addressing its relationship to monthly amortization."],["Cancellation fee versus federal earning/account rules","Still held","P2-C003, P2-C005","Fact-specific federal and state analysis; no universal approval or prohibition."],["“Fees and costs,” prepayment, rounding, retroactive catch-up","Still held","P2-C006, P2-C007","Current official rule/order or controlling interpretation."],["Noncustodial, remote nexus, complete money-transmission, contracts, cases, remedies, sectors, local and tribal issues","Outside PASS-02; remain required","Original PASS-01 holds preserved","Separate authorized passes; no resolution or acceptance by implication."]]}],"claims":[{"claim_id":"S_NE-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C001","Old alias affected":"S_NE-P1-C026","Corrected precise assertion":"Applicable TSR credit-repair rule bars requesting or receiving payment until both the represented period for all promised goods/services has expired and the seller has provided the person a CRA consumer report demonstrating promised results, issued more than six months after achievement; FCRA permissible-purpose requirement remains.","Sources and pinpoints":"S_NE-P2-S001, §310.4(a)(2). \neCFR","Conditions and limits":"High confidence in text; actual coverage, representations, seller/telemarketer status, and exemption facts held."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C002","Old alias affected":"S_NE-P1-C024","Corrected precise assertion":"Applicable TSR debt-relief timing requires a customer-executed valid agreement altering at least one debt, at least one customer payment pursuant to the customer-creditor/debt-collector agreement, and—when debts are individually altered—a complete proportional or uniform percentage-of-savings allocation.","Sources and pinpoints":"S_NE-P2-S001, §310.4(a)(5)(i)(A)–(C). \neCFR","Conditions and limits":"High confidence in text; allocated amount is not automatically immediately collectible."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C003","Old alias affected":"New qualification to P1 cancellation discussion","Corrected precise assertion":"For a dedicated account governed by §310.4(a)(5)(ii), customer withdrawal must be available without penalty and all account funds except fees earned under (i)(A)–(C) must be returned within seven business days of request.","Sources and pinpoints":"S_NE-P2-S001, §310.4(a)(5)(ii)(E). \neCFR","Conditions and limits":"Does not assume every Nebraska program uses a covered dedicated account or categorically invalidate every cancellation amount."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C004","Old alias affected":"S_NE-P1-C012","Corrected precise assertion":"Example 4 adopts a conservative accounting branch under which any initial $25 is included in, rather than added to, the $75 first lawful monthly amount.","Sources and pinpoints":"S_NE-P2-S002, §69-1212; Example 4 assumptions. \nNebraska Legislature","Conditions and limits":"Example-specific accounting choice only; does not resolve §69-1212’s initial-payment exception generally or approve $25 + $75."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C005","Old alias affected":"S_NE-P1-C013","Corrected precise assertion":"Example 3’s $150 is the nominal state ceiling calculated as 25% of the $600 remaining unamortized fee; cumulative $450 exists only under the unresolved additional-compensation reading. The state ceiling does not establish federal earning or dedicated-account withdrawal permission.","Sources and pinpoints":"S_NE-P2-S002, §69-1212; S_NE-P2-S001, §310.4(a)(5)(i), (ii)(E). \nNebraska Legislature\n+1","Conditions and limits":"Exact contract, account, TSR coverage, debt allocation, and prior fee facts are required; no exact refund calculated."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C006","Old alias affected":"S_NE-P1-C030","Corrected precise assertion":"No current debt-management-specific Title 433 rule or adoption order modifying the identified fee terms was verified through the accessible official materials.","Sources and pinpoints":"S_NE-P2-S003–S_NE-P2-S009. \nNebraska Legislature\n+5","Conditions and limits":"Partial/HOLD. This is not a finding that no rule, order, interpretation, or historical provision exists."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C007","Old alias affected":"Clarifies P1 C015/C030","Corrected precise assertion":"Current §69-1212 continues to display 15%, $25, and 25% without an express statutory indexing mechanism; no separate current adjustment instrument was verified.","Sources and pinpoints":"S_NE-P2-S002; S_NE-P2-S004–S_NE-P2-S009. \nNebraska Legislature\n+2","Conditions and limits":"High for codified statutory text; partial for complete rule/order universe. No CPI calculation or adjusted amount may be invented."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P2-C008","Old alias affected":"Access-history clarification","Corrected precise assertion":"The February 19 annual PDF was visually readable in this PASS-02 review, while the current dynamic catalog and docket were not substantively readable through the permitted route.","Sources and pinpoints":"S_NE-P2-S005–S_NE-P2-S007. \nNebraska Rules\n+3","Conditions and limits":"Does not retroactively change the earlier coordinator’s access history and does not constitute independent review."},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NE-P2-S001","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_NE-P2-S001","Source, literal URL, and pinpoint":"16 C.F.R. §310.4, https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4; paragraphs (a)(2), (a)(5)(i)(A)–(C), and (a)(5)(ii)(A)–(E)","Actual use/access classification":"Current eCFR page freshly opened October 25, 2026; same-coordinator prior federal reading expressly reused rather than treated as independent Nebraska research","Old source alias or relationship":"Replaces precision in S_NE-P1-S014, C024, and C026","Limitations":"Federal applicability, calls, actors, representations, and exemptions remain fact-specific. \neCFR"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S002","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212"],"researcher_record":{"Source ID":"S_NE-P2-S002","Source, literal URL, and pinpoint":"Neb. Rev. Stat. §69-1212, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212; complete operative paragraph","Actual use/access classification":"Freshly read official current codification","Old source alias or relationship":"Reuses the §69-1212 portion of S_NE-P1-S001","Limitations":"Does not itself resolve every initial-payment, cancellation, federal earning, or account question. \nNebraska Legislature"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208"],"researcher_record":{"Source ID":"S_NE-P2-S003","Source, literal URL, and pinpoint":"Neb. Rev. Stat. §69-1208, https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208; rule-promulgation sentence","Actual use/access classification":"Freshly read official current codification","Old source alias or relationship":"Reuses the §69-1208 portion of S_NE-P1-S001","Limitations":"Rulemaking-procedure provision, not evidence that a particular rule exists. \nNebraska Legislature"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S004","urls":["https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents"],"researcher_record":{"Source ID":"S_NE-P2-S004","Source, literal URL, and pinpoint":"SOS Index of Rules and Regulations and Guidance Documents, https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; Title 433 entry and displayed Licensing guidance list","Actual use/access classification":"Freshly read current agency webpage","Old source alias or relationship":"Updates the focused use of S_NE-P1-S006","Limitations":"Does not enumerate Title 433 chapters; omission from displayed guidance is not conclusive. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S005","urls":["https://rules.nebraska.gov/rules?agencyId=61&titleId=201"],"researcher_record":{"Source ID":"S_NE-P2-S005","Source, literal URL, and pinpoint":"Official Title 433 catalog, https://rules.nebraska.gov/rules?agencyId=61&titleId=201","Actual use/access classification":"Fresh access attempt; JavaScript shell only","Old source alias or relationship":"Focused successor to part of S_NE-P1-S008","Limitations":"No chapter, version, effective-date, or operative text obtained. \nNebraska Rules"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S006","urls":["https://rules.nebraska.gov/docket"],"researcher_record":{"Source ID":"S_NE-P2-S006","Source, literal URL, and pinpoint":"Official rulemaking docket, https://rules.nebraska.gov/docket","Actual use/access classification":"Fresh access attempt returned JavaScript shell; supplied coordinator record reports a separate 403 result","Old source alias or relationship":"Focused successor to the docket portion of S_NE-P1-S008","Limitations":"No substantive docket or adoption-order text obtained from either access outcome. \nNebraska Rules"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S007","urls":["https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf"],"researcher_record":{"Source ID":"S_NE-P2-S007","Source, literal URL, and pinpoint":"Secretary of State annual index, https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf; pp. 1–2","Actual use/access classification":"Freshly visually inspected in PASS-02","Old source alias or relationship":"Same document as S_NE-P1-S007; this fresh visual read does not rewrite the earlier access history","Limitations":"Dated snapshot only; no chapter enumeration and no proof regarding later changes. \nNebraska Legislature\n+1"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S008","urls":["https://sos.nebraska.gov/licensing/debt-management-agencies"],"researcher_record":{"Source ID":"S_NE-P2-S008","Source, literal URL, and pinpoint":"SOS Debt Management Agencies, https://sos.nebraska.gov/licensing/debt-management-agencies; displayed roster/forms/statutes links","Actual use/access classification":"Freshly read operational page","Old source alias or relationship":"Reuses S_NE-P1-S002","Limitations":"Procedure/navigation evidence only; not a complete rule inventory. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S009","urls":["https://sos.nebraska.gov/licensing/debt-management-statutes"],"researcher_record":{"Source ID":"S_NE-P2-S009","Source, literal URL, and pinpoint":"SOS Debt Management Statutes, https://sos.nebraska.gov/licensing/debt-management-statutes; displayed §§69-1201–69-1217 list","Actual use/access classification":"Freshly read agency index","Old source alias or relationship":"Reuses S_NE-P1-S003","Limitations":"Statute navigation only; not proof that no regulation exists. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S010","urls":["https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf"],"researcher_record":{"Source ID":"S_NE-P2-S010","Source, literal URL, and pinpoint":"Title 433 Chapter 1 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-1.pdf; title page and inspected opening pages","Actual use/access classification":"Fresh visual read; official-hosted but version status unverified","Old source alias or relationship":"No P1 substantive alias","Limitations":"Unrelated Truth and Deception Examiner subject; excluded from DMP reliance. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S011","urls":["https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf"],"researcher_record":{"Source ID":"S_NE-P2-S011","Source, literal URL, and pinpoint":"Title 433 Chapter 4 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-4.pdf; title page","Actual use/access classification":"Fresh visual read; official-hosted but version status unverified","Old source alias or relationship":"No P1 substantive alias","Limitations":"Unrelated Athlete Agent subject; excluded from DMP reliance. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NE-P2-S012","urls":["https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf"],"researcher_record":{"Source ID":"S_NE-P2-S012","Source, literal URL, and pinpoint":"Title 433 Chapter 5 static PDF, https://sos.nebraska.gov/sites/default/files/doc/Chapter-5.pdf; title page","Actual use/access classification":"Fresh visual read; official-hosted but version status unverified","Old source alias or relationship":"No P1 substantive alias","Limitations":"Unrelated litigation-funding subject; excluded from DMP reliance. \nNebraska Secretary of State"},"coordinator_verification_status":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"TSR credit-repair timing language","researcher_record":{"Focused issue":"TSR credit-repair timing language","PASS-02 status":"Corrected/answered textually","Claim IDs":"P2-C001","Remaining evidence or next action":"Apply only after determining actual representations, TSR coverage, actors, exemptions, and FCRA permissible purpose."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"TSR debt-relief performance and allocation language","researcher_record":{"Focused issue":"TSR debt-relief performance and allocation language","PASS-02 status":"Corrected/answered textually","Claim IDs":"P2-C002","Remaining evidence or next action":"Transaction-level agreements, customer payment, enrolled balances, actual settlement amount, and chosen allocation method remain necessary."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Dedicated-account no-penalty and seven-business-day condition","researcher_record":{"Focused issue":"Dedicated-account no-penalty and seven-business-day condition","PASS-02 status":"Answered conditionally","Claim IDs":"P2-C003","Remaining evidence or next action":"Determine whether the provider required a covered account and what fees were actually earned under (i)(A)–(C)."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Example 3 four monthly fees","researcher_record":{"Focused issue":"Example 3 four monthly fees","PASS-02 status":"Qualified","Claim IDs":"P2-C005","Remaining evidence or next action":"Preserve four separate lawful monthly periods; no immediate four-month catch-up after one federal trigger."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Example 3 cancellation amount","researcher_record":{"Focused issue":"Example 3 cancellation amount","PASS-02 status":"Arithmetic retained; legal characterization held","Claim IDs":"P2-C005","Remaining evidence or next action":"Actual contract, account, TSR coverage, federal earning, cancellation request, and withdrawal facts."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Example 4 $75 first lawful month","researcher_record":{"Focused issue":"Example 4 $75 first lawful month","PASS-02 status":"Qualified under expressly selected conservative branch","Claim IDs":"P2-C004","Remaining evidence or next action":"General §69-1212 treatment of the $25 exception remains unresolved."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Example 4 federal allocation","researcher_record":{"Focused issue":"Example 4 federal allocation","PASS-02 status":"Corrected/retained","Claim IDs":"P2-C002, P2-C004","Remaining evidence or next action":"Debt A’s $600 allocation does not authorize immediate $600 collection; Debt B’s $900 remains contingent and method-consistent."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Example 4 changed Nebraska base","researcher_record":{"Focused issue":"Example 4 changed Nebraska base","PASS-02 status":"Answered on stated assumptions","Claim IDs":"P2-C004","Remaining evidence or next action":"A $6,000 pass-through base yields a $900 state ceiling; future base changes must not be equated automatically with federal enrolled debt or savings."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Current statutory fee text","researcher_record":{"Focused issue":"Current statutory fee text","PASS-02 status":"Verified","Claim IDs":"P2-C007","Remaining evidence or next action":"No further action needed for the literal current codified numbers; interpretation questions remain."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Current Title 433 chapter universe","researcher_record":{"Focused issue":"Current Title 433 chapter universe","PASS-02 status":"Unresolved","Claim IDs":"P2-C006, P2-C008","Remaining evidence or next action":"Obtain an accessible official chapter-level Title 433 catalog or certified compilation showing each chapter, revision date, and effective date."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Current Title 433 DMP fee chapter","researcher_record":{"Focused issue":"Current Title 433 DMP fee chapter","PASS-02 status":"Not verified; held","Claim IDs":"P2-C006","Remaining evidence or next action":"Inspect any officially identified DMP chapter in full, including history notes and effective dates."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Docket/adoption orders","researcher_record":{"Focused issue":"Docket/adoption orders","PASS-02 status":"Not substantively accessible","Claim IDs":"P2-C006, P2-C008","Remaining evidence or next action":"Retrieve official docket entries and adoption orders governing Title 433 debt-management fee, amortization, cancellation, cost, or indexing provisions."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Annual index","researcher_record":{"Focused issue":"Annual index","PASS-02 status":"Freshly read but date-limited","Claim IDs":"P2-C008","Remaining evidence or next action":"Do not use February 19, 2026 snapshot to infer absence of later activity."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Initial $25 general interpretation","researcher_record":{"Focused issue":"Initial $25 general interpretation","PASS-02 status":"Still held","Claim IDs":"P2-C004","Remaining evidence or next action":"Official rule, order, approved-form authority, or controlling decision addressing its relationship to monthly amortization."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Cancellation fee versus federal earning/account rules","researcher_record":{"Focused issue":"Cancellation fee versus federal earning/account rules","PASS-02 status":"Still held","Claim IDs":"P2-C003, P2-C005","Remaining evidence or next action":"Fact-specific federal and state analysis; no universal approval or prohibition."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"“Fees and costs,” prepayment, rounding, retroactive catch-up","researcher_record":{"Focused issue":"“Fees and costs,” prepayment, rounding, retroactive catch-up","PASS-02 status":"Still held","Claim IDs":"P2-C006, P2-C007","Remaining evidence or next action":"Current official rule/order or controlling interpretation."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Noncustodial, remote nexus, complete money-transmission, contracts, cases, remedies, sectors, local and tribal issues","researcher_record":{"Focused issue":"Noncustodial, remote nexus, complete money-transmission, contracts, cases, remedies, sectors, local and tribal issues","PASS-02 status":"Outside PASS-02; remain required","Claim IDs":"Original PASS-01 holds preserved","Remaining evidence or next action":"Separate authorized passes; no resolution or acceptance by implication."},"coordinator_acceptance":"bounded_substance_supported_federal_withdrawal_object_patch_and_broader_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}