{"meta":{"key":"s_ne--pass-05","task":"S_NE","title":"SNE Nebraska bond, insurance, and alternative-security component","parent_title":"Nebraska debt and debt relief law","edition":"pass-05","path":"/research/s_ne--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":49,"sources":18,"review_status":"accepted_with_limits_for_checked_core_remaining_security_gaps","review_complete":true,"sha256":"c760ce496b674710b90223141a6f78eba470826fcb5330bfa711012f1cceb1d3","headings":["Executive determination","1. Operative security requirements by model","1.1 Licensed custodial debt management","1.2 Office-specific character","1.3 DMP employees and agents","1.4 Financial responsibility is separate from the bond","1.5 Noncustodial settlement and counseling","1.6 Credit-services organizations","1.7 Hybrid DMP/CSO model","2. Model-security matrix","3. Amounts, formulas, alternatives, and separate financial requirements","3.1 Amount and adjustment matrix","3.2 DMP government fees are not security and not consumer fees","3.3 CSO filing fee is not security","3.4 No verified insurance substitute","3.5 CSO surety-account alternative","3.6 Money-transmitter net worth and investments are cumulative, not alternatives","4. Official forms, versions, and legal status","4.1 DMP bond form","4.2 DMP financial statement and application","4.3 CSO bond form","4.4 CSO registration form","4.5 Money-transmitter electronic bonds","5. Effective coverage, cancellation, nonrenewal, replacement, and release","5.1 DMP bond lifecycle","5.2 CSO security lifecycle","5.3 Money-transmitter bond lifecycle","5.4 Letter-of-credit nonextension","6. Claimants, covered losses, actions, caps, and limitations","6.1 DMP bond claims","Covered obligation","Claimant and office scope","Aggregate cap","Limitations","6.2 CSO claims","Covered violation and claimant language","Damages","Defendants and joinder","Aggregate cap and excess principal liability","Limitations and tail","Injunctions, deceptive-practice remedies, and criminal penalties","6.3 Money-transmitter claims","Example 1 — DMP office aggregate","Example 2 — DMP bond cancellation and replacement","Example 3 — DMP financial statement is not a bond formula","Example 4 — CSO multiple awards against one aggregate","Example 5 — CSO statutory damages floor","Example 6 — CSO cessation tail and unresolved replenishment","Example 7 — CSO two-year tail versus four-year action limit","Example 8 — Current money-transmitter bond formula","Scenario A","Scenario B","Scenario C","Example 9 — Money-transmitter net worth is additional security","Example 10 — Bond versus permissible investments","Freshly read in PASS-05","Reused only as attributed prior history","Not authenticated or not read","Actions not performed"],"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-05","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["provider-security"]},"scope":"ExactreviewedP1remaining bond/insurance/security gap independent of unreviewedfunds; broaderholdsretain","pending_corrections":0},"markdown":"# S_NE PASS-05 — Nebraska bond, insurance, and alternative-security component\n\n**Actual fresh research date:** October 25, 2026, Pacific time / October 26, 2026 UTC\n**Mode/model:** Regular Chat; GPT-5.6 Sol Pro\n**Review status:** Same-coordinator continuation, **not independent review**.\n\nThis pass is limited to statutory bonds, surety accounts, financial-security alternatives, continuity and cancellation, security claims, and the narrow security consequences of a separate payment administrator. It does not reopen the Nebraska fee, custody, federal-withdrawal, or Title 433 analyses. The unreviewed PASS-04 findings are not treated here as reviewed evidence.\n\n## Executive determination\n\nNebraska has three materially different security structures relevant to the possible models:\n\n1. **Licensed Chapter 69 debt management:** a fixed **$10,000 surety bond** conditioned on faithful accounting for money collected on entrusted accounts by the debt manager and its employees or agents. The statute caps the surety’s aggregate liability to claimants doing business with the office for which the bond is filed. Renewal requires a bond as in an original application and a separate application for each office. The currently linked Secretary of State form runs through December 31 and permits the surety to terminate only future liability on 30 days’ written notice to the Secretary. No statutory cash-deposit substitute, amount adjustment, fidelity-policy substitute, or numeric net-worth formula was verified. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n2. **Covered credit-services organization:** a fixed **$100,000 surety bond or $100,000 statutory surety account**. The account alternative must be maintained at a federally insured bank or savings and loan association located in Nebraska. Security must remain in place until two years after the organization ceases operating in Nebraska. A claimant may sue the organization and the surety or trustee, but the security is liable only for damages awarded under §45-810, and the aggregate security liability is capped at $100,000. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n3. **Independent administrator or processor that is actually engaged in nonexempt money transmission:** a current surety-bond formula of the greater of **$100,000 or 100% of Nebraska average daily money-transmission liability for the most recently completed three-month period**, capped at **$500,000**. Net worth and permissible investments are separate requirements; an irrevocable letter of credit may qualify as a permissible investment but does **not** replace the statutory surety bond. The Chapter 69 or CSO money-transmitter exemption belongs only to the actual licensed entity acting within that license’s scope. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731)\n\nNo reviewed Nebraska source makes a surety bond:\n\n- insurance against every business failure;\n- a guarantee that every claimant will recover;\n- permission to charge or deduct a fee;\n- a substitute for federal TSR or CROA compliance;\n- proof that a provider is properly licensed; or\n- coverage automatically inherited by an affiliate, processor, administrator, attorney, nonprofit, or remote headquarters.\n\n# A. Substantive findings\n\n## 1. Operative security requirements by model\n\n### 1.1 Licensed custodial debt management\n\nThe bond requirement attaches to an applicant seeking a Chapter 69 debt-management license. That underlying business remains defined by fee-based financial planning and management combined with receipt of money or “evidences thereof” from a qualifying debtor for creditor distribution. The bond requirement does not independently expand that definition to every negotiation, counseling, or settlement service. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201)\n\nAt application, the applicant must furnish a bond:\n\n- **Principal:** the debt-management applicant or licensee;\n- **Obligee/statutory beneficiary:** “the people of the state”;\n- **Amount:** $10,000;\n- **Condition:** faithful accounting for all money collected on accounts entrusted to the debt manager and its employees and agents;\n- **Aggregate surety cap:** $10,000 for all claimants doing business with the office for which the bond is filed;\n- **Approval and filing:** Secretary of State approval and filing are required before debt-management business begins. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nThe currently linked public form adds that:\n\n- the surety is a corporation authorized to conduct surety business in Nebraska;\n- principal and surety bind themselves jointly and severally;\n- the bond is for persons in Nebraska and injured parties;\n- the term begins with license issuance and ends December 31 of the stated year; and\n- the surety may cancel **future liability** on 30 days’ written notice to the Secretary of State. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf)\n\nThe form is operational evidence of the instrument presently linked by the agency. It is not an actual issued bond and does not establish that no rider, amendment, continuation certificate, or specially approved form can exist.\n\n### 1.2 Office-specific character\n\nTwo clauses point strongly to an office-specific bond:\n\n- §69-1204 caps aggregate surety liability to claimants doing business with “the office for which the bond is filed”; and\n- §69-1206 requires a separate renewal application for each office, accompanied by a bond as in an original application. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nThe strongest statutory reading is therefore **one $10,000 bond for each licensed office**, not one statewide $10,000 aggregate for every office. The posted bond form, however, does not contain an office-address field. Exact agency implementation for multiple offices—separate instruments, riders, schedules, or another method—was not established and remains held.\n\n### 1.3 DMP employees and agents\n\nThe bond condition expressly includes money collected on entrusted accounts by the principal’s employees and agents. Chapter 69 separately exempts employees of a licensed debt manager from an individual license when they act in that role. No separate employee or agent bond was verified. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nThe statutory language does not automatically extend the bond to:\n\n- an independently incorporated affiliate;\n- an unrelated account administrator;\n- an outside payment processor acting on its own behalf;\n- a subvendor outside an agency relationship; or\n- activity beyond the principal’s debt-management scope.\n\nThose relationships require their actual contracts, authority, entity identities, and applicable licensing facts.\n\n### 1.4 Financial responsibility is separate from the bond\n\nThe Secretary of State must assess the applicant’s financial responsibility and may request a credit report or other information. The publicly linked financial statement collects assets, liabilities, and banking relationships. Neither the statute nor that form supplies a numeric minimum net worth, liquidity ratio, reserve amount, or insurance requirement. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205)\n\nThus:\n\n- the $10,000 bond does not itself establish acceptable financial responsibility;\n- a favorable balance sheet does not replace the bond; and\n- the application’s financial statement is neither a consumer trust account nor alternative collateral.\n\n### 1.5 Noncustodial settlement and counseling\n\nA truly noncustodial negotiation service does not become subject to the Chapter 69 bond merely because it markets “debt settlement.” Conversely, a bank-account title or third-party administrator does not prove noncustody. Because the Chapter 69 treatment of “evidences thereof,” indirect account control, fee-debit authority, and administrator receipt remains unresolved, the corresponding bond result remains unresolved too.\n\nPossible outcomes are:\n\n- **Chapter 69 coverage established:** $10,000 office bond applies.\n- **Chapter 69 coverage not established, but CSO coverage established:** $100,000 CSO bond/account applies.\n- **Separate administrator performs nonexempt money transmission:** money-transmitter security may apply to that administrator.\n- **None of those statutes applies:** no security requirement under those particular statutes is established—but that does not affirmatively legalize the business model.\n\n### 1.6 Credit-services organizations\n\nThe CSO security requirement applies only if the person falls within the paid credit-improvement, obtaining-credit, or related-advice definition and does not establish an exemption. The exempt party bears the burden of proving its CSO exemption. Statutory exemptions include qualifying regulated lenders, banks, credit unions, §501(c)(3) organizations, Nebraska attorneys acting within legal practice, in-scope collection agencies, and Chapter 69 debt-management licensees. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802)\n\nConsequently:\n\n- a nonprofit label is not enough without actual §501(c)(3) status;\n- an attorney connection is not enough unless the person is a Nebraska-licensed attorney acting within legal practice;\n- a bank relationship is not enough unless the statutory institutional exemption is actually met;\n- a Chapter 69 license held by one entity does not automatically exempt an affiliate; and\n- the Chapter 69 licensee exemption should not be presumed to cover conduct outside that license’s scope.\n\n### 1.7 Hybrid DMP/CSO model\n\nSection 45-803(1)(k) exempts a person licensed under Chapter 69 from the CSO Act. For the same licensed legal entity acting within its debt-management business, that text generally prevents duplicate CSO security. It does not establish that:\n\n- a sister company is exempt;\n- a separately sold credit-repair product is within the DMP license;\n- an independent salesperson or contractor is exempt; or\n- the Chapter 69 bond covers every CSO-type representation.\n\nActual entity and activity facts remain necessary. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-803)\n\n## 2. Model-security matrix\n\n| Model | Security trigger | Required instrument and amount | Principal, beneficiary, and covered loss | Disposition and principal holds |\n| --- | --- | --- | --- | --- |\n| Licensed custodial DMP, one office | Chapter 69 license application and covered operation | $10,000 surety bond | Applicant/licensee as principal; people of Nebraska/injured parties; faithful accounting for entrusted money, including employees and agents | **Established.** Bond must be approved and filed before business. C001–C008 |\n| Licensed custodial DMP, multiple offices | Each separately licensed office | Strong reading: separate $10,000 bond per office | Aggregate surety exposure tied to claimants doing business with the particular office | **Strong textual result; implementation held.** Public form omits office field. C006 |\n| DMP employee acting for licensee | Employee acts within licensed employment | No separate employee bond verified | Employee/agent activity is included in principal bond condition | **Established textually.** Independent contractor status may change result. C004 |\n| Noncustodial settlement negotiation | Chapter 69 only if receipt or “evidences thereof” and other definition elements are met | No Chapter 69 bond established absent coverage | Depends on actual custody/control facts | **Classification held.** No-bond result is not affirmative market permission. C001, C009 |\n| Fee-based credit repair or credit advice | Covered CSO with no exemption | $100,000 bond **or** $100,000 surety account | CSO; State and persons damaged by an Act violation; security liability tied to §45-810 damages | **Established conditionally.** C015–C026 |\n| CSO obtaining credit | Same CSO security | $100,000 bond/account | Same security architecture | Security does not alter the state rule barring payment before credit is obtained or federal rules. C027 |\n| Chapter 69 licensee also performing in-scope credit services | §45-803(1)(k) exemption | Chapter 69 bond, not duplicate CSO security, on the stated in-scope facts | Chapter 69 accounting losses | **Conditional.** Separate affiliate/product/out-of-scope activity remains held. C028 |\n| §501(c)(3), attorney, bank, collection agency, or other claimed CSO exemption | Every element of exemption proved | No CSO security on exempt activity | N/A | **Conditional only.** Labels and affiliations are insufficient. C028 |\n| Independent administrator receiving Nebraska money for transmission | Nonexempt Nebraska money transmission | Surety bond: greater of $100,000 or 100% of Nebraska ADMT liability, maximum $500,000 | Applicant/licensee; claimant and Director have statutory claim rights | **Conditional gateway.** Actual entity, receipt, exemption, delegate, and loss facts held. C032–C039 |\n| Authorized delegate of licensed money transmitter | Written designation and delegate contract | No separate delegate bond found in reviewed text; principal licensee must maintain statutory bond | Delegate holds transmitted money net of fees in trust for licensee | **Partial.** Actual principal bond terms and delegate coverage must be read. C040 |\n| Bank service provider, agent of payee, intermediary, or payment-system operator | Every condition of statutory exemption met | No money-transmitter bond only to extent exemption applies | Depends on written agreement, loss allocation, and transaction | **Fact-dependent hold.** A bank account or processor label is not enough. C032 |\n| Provider purchasing private fidelity, E&O, cyber, or general-liability insurance | Private contract, underwriting, or separate law | No such policy was verified as a Chapter 69 or CSO statutory substitute | Depends entirely on actual policy | **Not a statutory substitute established here.** C010, C031 |\n\n## 3. Amounts, formulas, alternatives, and separate financial requirements\n\n### 3.1 Amount and adjustment matrix\n\n| Regime | Statutory security amount | Base, minimum, and maximum | Initial/renewal or adjustment | Alternative security | Separate financial requirements |\n| --- | --- | --- | --- | --- | --- |\n| Chapter 69 DMP | **$10,000** | Fixed; no transaction-volume or entrusted-funds formula in §69-1204 | Furnished at application; renewal includes a bond as in an original application; separate application per office | No cash account, letter of credit, insurance policy, waiver, or other alternative verified | Subjective financial-responsibility investigation; no numeric net-worth minimum verified |\n| CSO | **$100,000** | Fixed aggregate bond/account amount | Must be obtained/established for conducting business; maintained until two years after Nebraska cessation | Either authorized-surety bond or statutory surety account at a federally insured Nebraska bank/S&L | No separate CSO net-worth formula verified |\n| Conditional money transmitter | **Greater of $100,000 or 100% of Nebraska ADMT liability, capped at $500,000** | ADMT liability is based on end-of-day Nebraska outstanding obligations over the relevant calendar-quarter period | Applicant provides bond; licensee maintains it at all times; amount follows most recently completed three-month period | No substitute for the bond in §8-2731 | Separate net worth and separate permissible investments equal to aggregate outstanding obligations |\n| MT permissible-investment letter of credit | Not a bond amount | Full drawable LOC may count as a permissible investment if all §8-2733 conditions are met | Automatic annual extension unless 60-day nonextension notice; compliance must be demonstrated 15 days before expiration | Alternative investment within §8-2732—not alternative to §8-2731 bond | Director may draw when required conditions occur |\n\nThe DMP and CSO amounts are fixed statutory amounts. No CPI, entrusted-funds percentage, claim-volume adjustment, or discretionary increase/decrease was verified for either. The incomplete current Title 433 record prevents converting that result into a categorical “no rule can exist” conclusion. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nThe current money-transmitter formula is materially different. The bond amount adjusts according to Nebraska average daily money-transmission liability, but once a $500,000 bond is maintained, the licensee need not continue calculating that liability for the bond provision’s purposes. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702)\n\n### 3.2 DMP government fees are not security and not consumer fees\n\nThe following applicant/licensee charges remain distinct from the bond:\n\n- $200 main-office license fee within each county;\n- $100 additional-office fee;\n- $200 initial investigation fee; and\n- $100 renewal fee.\n\nThey are payable to the Secretary of State and do not increase the $10,000 bond or authorize a consumer charge. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\n### 3.3 CSO filing fee is not security\n\nThe Secretary of State may charge a CSO registration fee of up to $100. The currently posted registration form states a $100 initial fee and separately requires a $100,000 bond or proper proof of a surety account. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-806)\n\n### 3.4 No verified insurance substitute\n\nNo reviewed Chapter 69 or CSO statutory clause or currently linked form permits substitution of:\n\n- fidelity insurance;\n- professional-liability/E&O insurance;\n- cyber insurance;\n- crime insurance;\n- general-liability insurance;\n- a parent guarantee;\n- a bank comfort letter;\n- a letter of credit; or\n- a provider’s ordinary operating account.\n\nA provider may privately carry such protection, but no actual policy was supplied and no statutory credit for it was verified.\n\n### 3.5 CSO surety-account alternative\n\nThe CSO alternative is not merely “keep $100,000 somewhere.” It requires:\n\n- a $100,000 account;\n- a federally insured bank or savings and loan association;\n- that institution to be located in Nebraska; and\n- filing with the Secretary of State the depository, trustee, and account number. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\nThe reviewed statute does not specify:\n\n- allowable account investments;\n- interest ownership;\n- account-management fees;\n- trustee compensation;\n- setoff waivers;\n- FDIC pass-through treatment;\n- collateral substitutions;\n- priority among claimants;\n- replenishment after a paid claim; or\n- a public standard form for proof of the account.\n\nThe statutory label “surety account” and reference to a trustee do not, without the actual account documents and governing law, prove every attribute of a private trust.\n\n### 3.6 Money-transmitter net worth and investments are cumulative, not alternatives\n\nA money-transmitter licensee must separately maintain:\n\n1. the §8-2731 surety bond;\n2. the §8-2730 net worth; and\n3. §8-2732 permissible investments with market value at least equal to aggregate outstanding money-transmission obligations.\n\nMeeting one does not satisfy the others. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2715)\n\nAn irrevocable standby letter of credit is one permissible-investment type when it satisfies the detailed issuer, unconditionality, automatic-extension, notice, draw, and documentary conditions in §8-2733. It is **not** a substitute for the separately required surety bond. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733)\n\n## 4. Official forms, versions, and legal status\n\n### 4.1 DMP bond form\n\nThe Secretary of State’s current Debt Management Agencies page links a one-page “Bond” PDF. The form is:\n\n- titled **Debt Management License Bond**;\n- $10,000;\n- principal/surety, jointly and severally bound;\n- conditioned on faithful accounting;\n- capped at $10,000 aggregate surety liability;\n- effective from license issuance through December 31; and\n- cancellable as to future liability on 30 days’ written notice to the Secretary. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/debt-management-agencies)\n\n**Status:** current publicly linked agency specimen as of the access date. It is not an issued instrument and contains no visible revision date. The statute requires a Secretary-approved bond, but no reviewed authority establishes that the posted wording is the exclusive form under every circumstance.\n\n### 4.2 DMP financial statement and application\n\nThe current agency page also links:\n\n- a one-page financial statement collecting assets, liabilities, and banking relationships; and\n- a one-page license application listing required supporting documents.\n\nNeither is a bond, insurance policy, collateral agreement, or substitute security. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf)\n\n### 4.3 CSO bond form\n\nThe Secretary of State’s current CSO page links a one-page bond form providing:\n\n- $100,000 principal amount;\n- authorized Nebraska surety;\n- State and damaged persons as beneficiaries;\n- aggregate surety liability no greater than the principal amount;\n- blank start and end dates; and\n- extension through an acceptable continuation certificate. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/credit-services-organizations)\n\nThe form’s condition is phrased in terms of avoiding the Act’s “prohibitions,” while §45-805 describes security for damage caused by **any violation** of the Act. The statute governs; an actual issued instrument would need to be read before resolving any wording issue.\n\nThe form contains no public cancellation-notice provision, claims address, proof-of-loss procedure, or two-year-tail clause. The statutory two-year maintenance requirement remains controlling even where the instrument uses stated term dates.\n\n### 4.4 CSO registration form\n\nThe one-page registration form calls for:\n\n- $100 initial filing fee; and\n- a $100,000 surety bond or “proper proof” of a $100,000 surety account.\n\nIt does not explain what constitutes proper proof, provide a trustee agreement, or contain account-release instructions. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf)\n\n### 4.5 Money-transmitter electronic bonds\n\nA Department of Banking and Finance order signed December 30, 2020 directs money-transmitter applicants and licensees, among several covered license classes, to submit electronic surety bonds through NMLS. The order vacated a 2019 order and states that it remains effective until modified or vacated. No later official modifying or vacating order was located in the bounded public search, but that negative search is not a certified current NMLS checklist. [Nebraska Banking and Finance+1](https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf)\n\nA two-page Department money-transmitter bond form revised July 2014 remains publicly accessible. It predates:\n\n- the 2020 electronic-bond order; and\n- the October 1, 2025 LB474 bond formula.\n\nIt is therefore treated only as a **historical agency-hosted specimen**, not the currently controlling mandatory form. [Nebraska Banking and Finance+1](https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf)\n\nNo current static NMLS Nebraska money-transmitter bond form, rider, or state checklist was authenticated through the allowed public routes.\n\n## 5. Effective coverage, cancellation, nonrenewal, replacement, and release\n\n### 5.1 DMP bond lifecycle\n\n| Event | Verified result | Limitation |\n| --- | --- | --- |\n| Initial application | $10,000 bond furnished with application; SOS approval/file required before business | No operating grace period verified |\n| License issuance | Posted form begins bond term at license issuance | Actual bond may contain approved particulars |\n| Natural term end | Posted form ends December 31 | Claim-filing tail is not defined by the form |\n| Renewal | Application by December 1, $100 fee, bond as on original application, separate application per office | Exact continuation/rider mechanics not published |\n| Surety cancellation | Posted form allows cancellation of **future liability** after 30 days’ written notice to SOS | Statute itself does not state the 30-day rule; no claimant notice requirement found |\n| Replacement | A good and sufficient bond must be filed before conducting business | No statutory cure or replacement grace period verified |\n| Prior liability | “Future liability” wording indicates cancellation does not erase liability arising while the bond was effective | Exact accrual and claim procedure remain unresolved |\n| License cessation | No express statutory tail or bond-release process verified | Possible claims remain subject to actual accrual and limitations |\n\nThe DMP license expires December 31 unless earlier surrendered, revoked, or suspended. The bond form’s matching end date does not prove that every claim must be filed by December 31. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\n### 5.2 CSO security lifecycle\n\n| Event | Verified result | Limitation |\n| --- | --- | --- |\n| Before Nebraska business | CSO must obtain bond or establish account; registration must precede business | No separate annual registration renewal term appears in reviewed statute |\n| Bond term | Public form uses blank start/end dates and continuation certificate | No statutory or public-form cancellation notice period verified |\n| Surety account | Must remain at qualifying Nebraska institution | No public trustee agreement or collateral instruction located |\n| Cessation | Bond/account maintained until **two years after** Nebraska operations cease | “Cessation” fact and date may itself be disputed |\n| Account release | Depository may not return money to CSO or representative without SOS statement confirming subsection (6) is satisfied | No public release application, deadline, or adjudication standard located |\n| Bond release | Two-year maintenance rule applies | No parallel statutory release-certificate procedure for bond located |\n| Partial claim payment | Security aggregate is $100,000 | No express replenishment timetable or post-payment amount rule found |\n| Lapse during operation/tail | Noncompliance with §45-805 | No automatic registration-cancellation mechanism verified; other enforcement remains possible |\n\nA surety account does not become automatically releasable exactly two years after a claimed cessation date. The depository needs the Secretary’s statement, and the Secretary may investigate and require information before issuing it. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\n### 5.3 Money-transmitter bond lifecycle\n\nA money-transmitter applicant must provide, and a licensee must at all times maintain, the required bond. Cancellation may occur only after 30 days’ written notice to the Department’s director, and cancellation does not affect liability incurred or accrued while the bond was effective. Failure to maintain the bond permits the Department to issue a notice canceling the license instead of using revocation proceedings. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731)\n\nThe current statute does not state a general post-cessation bond tail measured in years. It instead preserves incurred or accrued liability and preserves liability for pretermination conduct. A historical form or an older statutory arrangement cannot be substituted for the current text. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731)\n\n### 5.4 Letter-of-credit nonextension\n\nFor a letter of credit used as a permissible investment:\n\n- the issuer generally must provide at least 60 days’ notice of nonextension;\n- the licensee must demonstrate replacement compliance at least 15 days before expiration; and\n- if it cannot, the director may draw the amount needed to satisfy permissible-investment requirements.\n\nThose rules govern the permissible-investment layer, not cancellation or substitution of the surety bond. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733)\n\n## 6. Claimants, covered losses, actions, caps, and limitations\n\n## 6.1 DMP bond claims\n\n### Covered obligation\n\nThe Chapter 69 bond is conditioned on **faithful accounting** for money collected on entrusted accounts. It is not facially a bond for every possible:\n\n- licensing violation;\n- inaccurate advertisement;\n- unsuccessful negotiation;\n- creditor rejection;\n- service-quality dispute;\n- privacy event;\n- legal-advice issue; or\n- contract breach unrelated to entrusted money. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nA claimant would need to connect the loss to failure to account faithfully for covered money.\n\n### Claimant and office scope\n\nThe statute refers to all claimants doing business with the office for which the bond was filed. The public form refers to persons in Nebraska and injured parties. Neither the reviewed statute nor form sets out:\n\n- a proof-of-claim form;\n- a claims address;\n- a notice deadline to the surety;\n- required documentation;\n- agency adjudication;\n- priority between claimants;\n- pro rata distribution;\n- first-in-time priority;\n- exhaustion of provider assets;\n- a direct surety-only action; or\n- a replenishment obligation after payment.\n\nThose mechanics require the actual bond, surety rules, procedural law, and any controlling decision.\n\n### Aggregate cap\n\nThe statutory cap is the **surety’s aggregate liability**, not a statement that each claimant receives up to $10,000. If covered claims exceed $10,000, the reviewed law does not state how the limited proceeds are allocated. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\n### Limitations\n\nSection 69-1216 requires actions in Nebraska courts “under” §§69-1201–69-1217 to be commenced within two years after accrual. A bond action based on §69-1204 may fall within that language, but no controlling decision was located resolving:\n\n- whether every bond action is an action “under” the Act;\n- when such a claim accrues;\n- effect of delayed discovery;\n- effect of surety notice;\n- relation to annual expiration or cancellation; or\n- any tolling doctrine. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216)\n\nThose questions remain held.\n\n## 6.2 CSO claims\n\n### Covered violation and claimant language\n\nSection 45-805 states that the bond/account benefits the State and any person damaged by an Act violation and allows any person claiming against the security to maintain an action against the CSO and the surety or trustee. But it then limits surety/trustee liability to damages awarded under §45-810. Section 45-810 authorizes a damages action by a **buyer injured by an Act violation**. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\nThat creates a material boundary:\n\n- “any person” appears in the security section;\n- the security pays only §45-810 damages; and\n- §45-810 identifies an injured buyer.\n\nNo controlling Nebraska decision was located resolving whether a nonbuyer can obtain security proceeds despite not being a §45-810 buyer.\n\n### Damages\n\nFor an injured buyer who proves an Act violation, §45-810 provides an award no less than:\n\n- the amount paid by the buyer to the CSO;\n- reasonable attorney fees; and\n- court costs. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-810)\n\nThat is a statutory damages floor after liability is established—not an automatic refund or guaranteed bond payment.\n\nA breach of a CSO contract or an obligation arising from the contract is itself an Act violation, which can potentially support §45-810 damages when the buyer proves injury and the other elements. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808)\n\n### Defendants and joinder\n\nSection 45-805 says a claimant may maintain an action “against the credit services organization and against the surety or trustee.” No directly controlling Nebraska CSO case was located deciding whether:\n\n- both must be joined;\n- the surety/trustee can be sued alone;\n- judgment against the principal must come first; or\n- principal-asset exhaustion is required.\n\nThe 2024 Nebraska Supreme Court decision in **Saint James Apartment Partners, LLC v. Universal Surety Co.**, 316 Neb. 419, held under a differently worded **notary-bond statute** that the notary was not a necessary party and the surety could be sued without the notary. The court’s reasoning depended on that statute’s precise wording and punctuation. It cannot be automatically transferred to §45-805. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB)\n\n### Aggregate cap and excess principal liability\n\nThe surety or trustee’s aggregate liability is no more than $100,000. That cap does not say that the CSO’s own liability is limited to $100,000. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\nIn **Echo Group, Inc. v. Tradesmen International**, 312 Neb. 729 (2022), a construction-lien bond case, the Nebraska Supreme Court reiterated the general rule that absent a condition extending liability, a surety ordinarily cannot be held beyond the penal sum, while the principal could remain responsible for an excess judgment in that case. That decision is not a CSO or DMP holding, but it supports keeping the surety cap distinct from possible principal liability. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB)\n\n### Limitations and tail\n\nAn action under §45-810 or §45-812 is barred after four years from execution of the relevant services contract. The security must separately be maintained until two years after cessation of Nebraska operations. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\nThese are independent clocks:\n\n- the two-year security tail does not expressly extend the four-year contract-based limitation;\n- the four-year limitation does not permit early release of the security before the two-year tail ends; and\n- the exact effect of a timely filed claim, pending litigation, or judgment entered after the tail was not resolved by a located decision.\n\n### Injunctions, deceptive-practice remedies, and criminal penalties\n\nThe Attorney General or a buyer may seek an injunction, and an Act violation is a deceptive trade practice. The Act also provides a criminal penalty and says its remedies are cumulative. But §45-805 restricts the surety/trustee to §45-810 damages; it does not state that every injunction, penalty, restitution order, or other statutory remedy is payable from the bond/account. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=45-811)\n\n## 6.3 Money-transmitter claims\n\nCurrent §8-2731 allows:\n\n- any claimant against the licensee to file a claim or sue directly on the bond; and\n- the director to claim or sue for any claimant, in one action or successive actions. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731)\n\nThe current statute does not state in that section:\n\n- a distribution priority;\n- a pro rata formula;\n- a replenishment deadline;\n- an administrative proof-of-claim form;\n- whether every authorized-delegate loss is within the bond;\n- a bond-specific limitations period; or\n- the current electronic bond’s complete terms.\n\nThe Department’s March 21, 2025 Sigue settlement page provides a specific operational example in which Nebraska customers with failed transactions were directed to file refund claims through a surety portal. That settlement does not create a universal Nebraska bond-claim procedure or establish entitlement in another matter. [Nebraska Banking and Finance](https://ndbf.nebraska.gov/about/news-publications/sigue-settlement)\n\n# B. Recovery matrix\n\n| Security | Who may claim under reviewed text | Required claim basis | Principal/surety or trustee route | Security cap | Limitations and unresolved mechanics |\n| --- | --- | --- | --- | --- | --- |\n| Chapter 69 DMP bond | Statute: claimants doing business with bonded office; form: Nebraska persons/injured parties | Failure faithfully to account for money collected on entrusted accounts | Statute/form do not supply a complete direct-action procedure | $10,000 aggregate per bonded office under strongest reading | Possible two-year §69-1216 period; accrual, notice, joinder, priority, exhaustion, and replenishment unresolved |\n| CSO bond | “Any person” damaged, but surety liable only for §45-810 damages | Injured buyer proves an Act violation and damages | §45-805 says action against CSO and surety; surety-alone route unresolved | $100,000 aggregate | §45-810/812 action within four years after contract execution; allocation and exhaustion unresolved |\n| CSO surety account | Same statutory claimant structure | Same §45-810 damages limitation | Action against CSO and trustee | $100,000 aggregate | Same four-year limit; account maintained two years post-cessation; release requires SOS statement |\n| MT bond | Any claimant against licensee; Director may act for claimant | Claim against licensee within actual bond/statutory coverage | Direct claim or suit on bond; Director may act in one or successive actions | Required bond amount, $100,000–$500,000; current statute does not state allocation mechanics | Actual ESB, limitations, priority, delegate loss, and replenishment remain held |\n| MT permissible investments | Purchasers/holders of outstanding transmission obligations in insolvency statutory trust | Outstanding transmission obligation | Insolvency/receivership statutory-trust process, not ordinary bond claim | Market value at least aggregate outstanding obligations | Pro rata and equitable across applicable states; actual insolvency proceeding and asset tracing required |\n| Private fidelity/E&O/other insurance | Depends on actual policy | Policy-defined covered event | Policy claim process | Policy limit | No actual policy reviewed; cannot be treated as statutory security |\n\n# C. Bounded security examples\n\nAll figures are hypothetical. No example proves a valid claim, a solvent surety, an available account balance, a judicial award, or a provider’s authorization. Government or statutory security does not establish fee earning.\n\n## Example 1 — DMP office aggregate\n\n**Assumptions**\n\n- Office A has the required $10,000 bond.\n- Two claims are ultimately established as covered failures faithfully to account for money entrusted through Office A.\n- No prior bond payment has occurred.\n\n**Inputs**\n\nPlain text\n```\nCovered Claim 1                              $4,000\nCovered Claim 2                              $9,000\n                                             ------\nTotal covered claims                        $13,000\nStatutory aggregate surety cap              $10,000\n```\n\n**Arithmetic**\n\nPlain text\n```\nTotal claims                                $13,000\nLess maximum aggregate surety liability     -10,000\n                                             ------\nPotential amount beyond bond                 $3,000\n```\n\n**Result**\n\nThe surety’s total liability cannot exceed **$10,000** for all claimants doing business with that office. The reviewed statute does not say how the $10,000 is divided between the $4,000 and $9,000 claims. The remaining $3,000 is not guaranteed recoverable from the principal or another source; principal liability and collection belong to later remedies work. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nA claim associated with a different office should not be pooled into Office A’s bond without the actual office-specific instruments and agency implementation.\n\n## Example 2 — DMP bond cancellation and replacement\n\n**Assumptions**\n\n- The surety’s written cancellation notice is received by the Secretary on event date **N**.\n- The currently posted form governs.\n- No separate rider changes the notice term.\n\n**Event sequence**\n\nPlain text\n```\nNotice received by SOS                         N\nForm notice period                             30 days\nEarliest prospective cancellation              N + 30 days\n```\n\nThe form cancels only **future liability** after that period. A loss arising from covered conduct during the bond term is not erased by prospective cancellation, although claim accrual and filing remain unresolved.\n\nTo continue covered debt-management business after the effective cancellation date, the licensee would need a replacement good and sufficient bond approved and filed before the old coverage ends. No statutory grace period was verified. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nNo calendar date is fabricated because the example supplies only an event date, not a specific day or counting authority.\n\n## Example 3 — DMP financial statement is not a bond formula\n\n**Inputs**\n\nPlain text\n```\nTotal listed assets                         $250,000\nTotal listed liabilities                    -200,000\n                                             -------\nArithmetic net assets                        $50,000\n```\n\n**Result**\n\nThe arithmetic net amount is **$50,000**, but Chapter 69 supplies no numeric net-worth threshold against which to test it. The Secretary still makes a qualitative financial-responsibility determination, and the $10,000 bond remains independently required. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205)\n\nThe example does not conclude that the applicant qualifies.\n\n## Example 4 — CSO multiple awards against one aggregate\n\n**Assumptions**\n\n- Three buyers timely obtain final §45-810 awards.\n- Every award is within the bond/account’s substantive coverage.\n- No earlier security payment has occurred.\n\n**Inputs**\n\nPlain text\n```\nBuyer A award                               $30,000\nBuyer B award                               $50,000\nBuyer C award                               $40,000\n                                             ------\nTotal awards                               $120,000\nAggregate CSO security cap                 $100,000\n```\n\n**Arithmetic**\n\nPlain text\n```\nTotal awards                               $120,000\nLess aggregate security cap               -100,000\n                                            -------\nAwards exceeding security                  $20,000\n```\n\n**Result**\n\nThe surety or trustee cannot be liable beyond **$100,000 aggregate**. The statute does not state whether the available security is paid first-come, pro rata, by judgment date, or through another method. It does not cap the CSO’s possible own liability at $100,000, but recovery of the $20,000 excess is not guaranteed. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\n## Example 5 — CSO statutory damages floor\n\n**Assumptions**\n\n- Buyer paid a CSO **$1,200**.\n- A court finds the buyer was injured by an Act violation.\n- Reasonable attorney fees and court costs are determined separately.\n\n**Minimum statutory structure**\n\nPlain text\n```\nAmount paid by buyer                        $1,200\nReasonable attorney fees                 + court determination\nCourt costs                              + court determination\n```\n\nThe award under §45-810 cannot be less than that combination. The bond or account is not automatically payable merely because the buyer paid $1,200; injury, violation, a timely action, an award, security coverage, and remaining aggregate capacity are still required. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-810)\n\n## Example 6 — CSO cessation tail and unresolved replenishment\n\n**Assumptions**\n\n- CSO ceases Nebraska operations on event date **T0**.\n- No dispute exists about the cessation date.\n- Security account begins at $100,000.\n- A valid $25,000 covered payment is later made during the tail.\n\n**Statutory duration**\n\nPlain text\n```\nCessation date                                T0\nRequired maintenance period                   2 years\nEnd of statutory period                       T0 + 2 years\n```\n\n**Account arithmetic after claim**\n\nPlain text\n```\nStarting surety account                   $100,000\nCovered payment                            -25,000\n                                            -------\nArithmetic remaining balance               $75,000\n```\n\nThe arithmetic balance is **$75,000**. The reviewed text does not expressly say whether the CSO must immediately replenish the account to $100,000 during the remaining tail. Therefore:\n\n- no replenishment rule is invented;\n- the $75,000 is not declared sufficient;\n- the depository may not return the remaining amount to the CSO merely because two calendar years have arithmetically passed; and\n- release still requires the Secretary’s statement that the statutory condition has been satisfied. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\n## Example 7 — CSO two-year tail versus four-year action limit\n\n**Assumptions**\n\n- Contract executed at **C0**.\n- CSO ceases Nebraska operations at **T0**.\n- No tolling applies.\n\n**Separate clocks**\n\nPlain text\n```\nLatest ordinary §45-810 filing point       C0 + 4 years\nSecurity-maintenance endpoint              T0 + 2 years\n```\n\nNeither date replaces the other. A claimant must satisfy the applicable action limit while the security-maintenance and actual-instrument questions are also resolved. The two-year tail does not facially revive an already barred action, and the four-year action limit does not authorize early release before the tail requirement is satisfied. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805)\n\n## Example 8 — Current money-transmitter bond formula\n\nFormula:\n\nPlain text\n```\nRequired bond = min($500,000,\n                    max($100,000, Nebraska ADMT liability))\n```\n\n### Scenario A\n\nPlain text\n```\nNebraska ADMT liability                    $72,500\nStatutory minimum                         $100,000\nRequired bond                             $100,000\n```\n\n### Scenario B\n\nPlain text\n```\nNebraska ADMT liability                   $325,000\nRequired bond                             $325,000\n```\n\n### Scenario C\n\nPlain text\n```\nNebraska ADMT liability                   $720,000\nCalculated liability-based amount         $720,000\nStatutory maximum                        -$500,000\nRequired bond                             $500,000\n```\n\nA licensee maintaining the $500,000 maximum need not continue calculating ADMT liability for §8-2731’s bond purposes. Actual quarterly reporting, NMLS procedures, and bond riders remain subject to current operational instructions not authenticated here. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702)\n\n## Example 9 — Money-transmitter net worth is additional security\n\n**Assumptions**\n\n- Total assets: $150,000,000\n- No Director exemption.\n\n**Calculation**\n\nPlain text\n```\n3% of first $100,000,000                 $3,000,000\n2% of next $50,000,000                   +1,000,000\n                                          ----------\nCalculated net-worth requirement          $4,000,000\nStatutory floor                             $100,000\nRequired net worth                        $4,000,000\n```\n\nThis $4 million requirement is separate from the surety bond and permissible investments. A Director may exempt an applicant or licensee from the net-worth requirement in whole or part for good cause, but that authority does not waive the bond by its terms. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2730)\n\n## Example 10 — Bond versus permissible investments\n\n**Assumptions**\n\n- Nebraska ADMT liability: $400,000\n- Aggregate outstanding money-transmission obligations: $600,000\n- No qualifying exemption.\n\n**Requirements**\n\nPlain text\n```\nSurety bond under §8-2731                 $400,000\nPermissible investments under §8-2732     $600,000\n```\n\nA qualifying $600,000 letter of credit might count toward the permissible-investment requirement if every §8-2733 condition is met. It does **not** replace the $400,000 surety bond. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731)\n\n# D. Source register\n\n| Source ID | Title, issuer, full literal URL, and exact pinpoint | Version/effective status and access classification | Scope and limitations |\n| --- | --- | --- | --- |\n| **S_NE-P05-S001** | Nebraska Debt Management Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201, §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1206, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207, subsections (1), (3); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216, complete section. | Official current codification freshly read October 25, 2026 Pacific. Source histories show enactment beginning in 1967 and later amendments; later amendment dates are not treated as first enactment of the bond. | Controlling Chapter 69 authority. Same statutory family as earlier S_NE-P1-S001, freshly read here for security. Sections are not counted as independent instruments. [Nebraska Legislature+8](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201) |\n| **S_NE-P05-S002** | Debt Management Agencies, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/debt-management-agencies, displayed licensing links at body lines 94–107. | Current live agency page freshly read October 25, 2026. “Submitted” webpage metadata is not a legal effective date. | Establishes the presently displayed public forms, not the exclusivity or issuance of an instrument. Prior alias S_NE-P1-S002. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/debt-management-agencies) |\n| **S_NE-P05-S003** | Debt Management License Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf, printed page 1, zero-based PDF index 0, lines 30–50. | Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S002. | Public specimen; no actual principal, office, surety, bond number, rider, or issued instrument reviewed. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf) |\n| **S_NE-P05-S004** | Debt Management Personal/Corporate Financial Statement, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf, printed page 1, zero-based index 0, lines 30–59. | Undated one-page current agency-linked form, freshly read October 25, 2026. | Application evidence only; not security, trust collateral, or a numeric net-worth rule. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf) |\n| **S_NE-P05-S005** | Debt Management License Application, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based index 0. | One-page agency-linked form; previously read in P1 and checked for this component’s form relationship. | Procedure only. Statute controls amount and legal duty. |\n| **S_NE-P05-S006** | Nebraska Credit Services Organization Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=45-802, §45-802(1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-803, subsections (1)–(2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-804, subdivisions (1)–(2), (7)–(8); https://nebraskalegislature.gov/laws/statutes.php?statute=45-805, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806, subsections (1), (5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-807, subsection (1)(b)–(c), (2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-808, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815. | Official current codification freshly read October 25, 2026. §45-805 source history is 1991 LB292; §45-804 includes 2025 LB474 amendment. | Controlling CSO security and necessary claim/remedy boundary. Same statutory family as S_NE-P1-S009; not counted as multiple independent authorities. [Nebraska Legislature+13](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802) |\n| **S_NE-P05-S007** | Credit Services Organizations, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/credit-services-organizations, body lines 94–104. | Current live agency page freshly read October 25, 2026. | Establishes current public links, not a provider’s status or an exclusive form universe. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/credit-services-organizations) |\n| **S_NE-P05-S008** | Credit Services Organization Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf, printed page 1, zero-based index 0, lines 3–23. | Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S007. | Public specimen; no actual bond, continuation certificate, cancellation rider, or claims endorsement reviewed. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf) |\n| **S_NE-P05-S009** | Credit Services Organization Registration, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based index 0, lines 22–40. | Undated current agency-linked form, freshly read October 25, 2026. | Says “proper proof” of account but supplies no account-proof or release instructions. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf) |\n| **S_NE-P05-S010** | Nebraska Money Transmitters Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702, subdivisions (3), (4), (22), (25); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2703, subdivisions (1)–(3), (12)–(14), (17); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2715, subsection (2); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2724, subsections (1)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2730; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2732; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733, subsection (1)(g); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2734, subsections (4)–(6). | Official current codification freshly read October 25, 2026. §8-2731 reflects 2025 LB474; §8-2703 displays July 18, 2026 operative date following 2026 LB717. That 2026 history is not treated as first enactment of every exemption concept. | Limited administrator/processor security gateway, not a full money-transmission dossier. [Nebraska Legislature+9](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702) |\n| **S_NE-P05-S011** | Advisory: Money Transmitters, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters, dated June 16, 2025, bond discussion lines 68–86. | Official agency advisory; says LB474 effective October 1, 2025. Freshly read October 25, 2026. | Operational explanation; statute remains controlling. [Nebraska Banking and Finance](https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters) |\n| **S_NE-P05-S012** | Order Adopting Acceptance of Electronic Surety Bonds, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf; PDF page 1/index 0 introduction; page 2/index 1 findings 4–13; page 3/index 2 ordering clauses 1–5. | Signed December 30, 2020; effective on signature; says it remains until modified or vacated. Freshly parsed and visually inspected October 25, 2026. | No later modifying/vacating order found in bounded search; not a certified current NMLS checklist. [Nebraska Banking and Finance+1](https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf) |\n| **S_NE-P05-S013** | Nebraska Money Transmitter Act Bond Form, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf; printed page 1 of 2/index 0 and page 2 of 2/index 1. | Form marked “Revised 7/2014”; freshly read October 25, 2026. | **Historical only.** Predates the 2020 NMLS electronic-bond order and 2025 amount formula; not used as current operative form. [Nebraska Banking and Finance](https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf) |\n| **S_NE-P05-S014** | *Saint James Apartment Partners, LLC v. Universal Surety Co.*, 316 Neb. 419 (2024), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB; Nebraska Reports pp. 437–440, zero-based PDF indices 18–21. | Published Nebraska Supreme Court opinion, freshly read October 25, 2026. | Notary-bond case. Used only for statute-specific joinder/direct-action caution, not as a DMP/CSO holding. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB) |\n| **S_NE-P05-S015** | *Echo Group, Inc. v. Tradesmen International*, 312 Neb. 729 (2022), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB; Nebraska Reports pp. 743–744, zero-based PDF indices 14–15. | Published Nebraska Supreme Court opinion, freshly read October 25, 2026. | Construction-lien bond case. Used only for the general penal-sum/principal-liability distinction. [Nebraska.gov](https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB) |\n| **S_NE-P05-S016** | Sigue Settlement, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/sigue-settlement, dated March 21, 2025, body lines 68–74. | Official agency settlement announcement, freshly read October 25, 2026. | Specific money-transmitter enforcement example; not a general bond-claim procedure or DMP/CSO authority. [Nebraska Banking and Finance](https://ndbf.nebraska.gov/about/news-publications/sigue-settlement) |\n| **S_NE-P05-S017** | Preserved Title 433 routes: https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; https://rules.nebraska.gov/rules?agencyId=61&titleId=201; https://rules.nebraska.gov/docket; https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf. | PASS-02 access history preserved: Title 433 index identified; dynamic catalog returned a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document extraction/view histories remain separately attributed. Not rerun in PASS-05. | No complete current substantive Title 433 bond, insurance, fidelity, adjustment, claim, or release universe authenticated. |\n| **S_NE-P05-S018** | Bounded official-domain decision/order search: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature, Secretary of State, Attorney General, and NDBF searches for §§69-1204, 45-805, debt-management bond, CSO surety account, direct action, and bond claim. | Search-only research conducted October 25, 2026. | No on-point controlling DMP or CSO security decision located. Not an exhaustive commercial citator, trial docket, administrative file, surety-claim database, or records request. |\n\n# E. Claim register\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, consequences, and confidence |\n| --- | --- | --- | --- |\n| **S_NE-P05-C001** | Chapter 69 security applies only after the custody-based statutory debt-management classification is satisfied. | S001, §69-1201(1). | **High for text;** indirect control, “evidences thereof,” remote nexus, and noncustodial perimeter remain held. |\n| **S_NE-P05-C002** | A Chapter 69 applicant must furnish a $10,000 bond at application. | S001, §69-1204(3). | **High.** |\n| **S_NE-P05-C003** | The DMP bond is conditioned on faithful accounting for money collected on entrusted accounts. | S001, §69-1204(3); S003, p.1/index0. | **High.** Not facial coverage for every service or contract dispute. |\n| **S_NE-P05-C004** | The DMP bond condition includes the principal’s employees and agents. | S001, §69-1204(3); S003. | **High;** independent affiliate/processor status remains fact-dependent. |\n| **S_NE-P05-C005** | DMP surety liability is aggregate, not per claimant, and capped at $10,000 for claimants doing business with the bonded office. | S001, §69-1204(3). | **High.** Allocation among excess claimants unresolved. |\n| **S_NE-P05-C006** | The strongest statutory reading requires a separate $10,000 bond for each office. | S001, §§69-1204(3), 69-1206. | **Medium-high.** Public form lacks office field; implementation held. |\n| **S_NE-P05-C007** | SOS approval and filing of a good and sufficient bond are preconditions to debt-management operation. | S001, §69-1204(3). | **High.** No grace period verified. |\n| **S_NE-P05-C008** | DMP renewal requires a bond as on original application and a separate application for each office. | S001, §69-1206. | **High.** |\n| **S_NE-P05-C009** | The currently linked DMP form runs from license issuance through December 31 and allows 30-day prospective cancellation notice to SOS. | S003, p.1/index0. | **High for the specimen;** actual issued terms held. |\n| **S_NE-P05-C010** | No statutory DMP cash-deposit, LOC, insurance, fidelity-policy, or waiver alternative was verified. | S001–S005; S017 gap. | **Partial/HOLD.** Complete current Title 433 universe unavailable. |\n| **S_NE-P05-C011** | DMP financial responsibility is separately investigated, but no numeric net-worth minimum was verified. | S001, §69-1205; S004. | **High for statute/form;** unverified rule gap remains. |\n| **S_NE-P05-C012** | A possible Chapter 69 judicial action is subject to §69-1216’s two-year-after-accrual limit. | S001, §69-1216. | **Partial.** Bond-action applicability, accrual, discovery, and tolling unresolved. |\n| **S_NE-P05-C013** | No complete statutory DMP proof-of-claim, priority, exhaustion, direct-action, or replenishment process was verified. | S001, §69-1204; S003; S018. | **HOLD.** Actual instrument and procedural law required. |\n| **S_NE-P05-C014** | DMP application, investigation, and renewal fees are government charges separate from the bond and consumer fees. | S001, §§69-1204(2), 69-1206. | **High.** |\n| **S_NE-P05-C015** | CSO security applies only to a covered, nonexempt CSO; debt settlement does not automatically equal credit services. | S006, §§45-802–45-803. | **High for text;** actual representations and exemption facts required. |\n| **S_NE-P05-C016** | A covered CSO must obtain a $100,000 bond or establish a $100,000 surety account. | S006, §45-805(1). | **High.** |\n| **S_NE-P05-C017** | A CSO bond must be issued by a Nebraska-authorized surety and filed with SOS. | S006, §45-805(2). | **High.** |\n| **S_NE-P05-C018** | A CSO surety account must be at a federally insured Nebraska bank or savings and loan, with depository, trustee, and account number filed. | S006, §45-805(2). | **High.** No detailed asset or interest rule verified. |\n| **S_NE-P05-C019** | CSO security benefits the State and persons damaged by an Act violation. | S006, §45-805(3). | **High**, subject to the §45-810 damages limitation. |\n| **S_NE-P05-C020** | A claimant may bring an action against the CSO and surety/trustee, but security liability is limited to §45-810 damages. | S006, §45-805(4). | **High for wording;** surety-alone joinder question unresolved. |\n| **S_NE-P05-C021** | An injured buyer’s §45-810 award cannot be less than amount paid plus reasonable attorney fees and costs. | S006, §45-810. | **High.** Requires proven violation, injury, timely action, and award. |\n| **S_NE-P05-C022** | “Any person” claimant language in §45-805 is in tension with §45-810’s “buyer injured” damages action. | S006, §§45-805(3)–(4), 45-810. | **HOLD.** No controlling decision located for nonbuyer security standing. |\n| **S_NE-P05-C023** | CSO surety/trustee aggregate liability is capped at $100,000. | S006, §45-805(4); S008. | **High.** No statutory allocation method for excess claims found. |\n| **S_NE-P05-C024** | CSO security must remain until two years after Nebraska operations cease. | S006, §45-805(6). | **High.** Exact cessation date may be fact-dependent. |\n| **S_NE-P05-C025** | A CSO surety account cannot be returned to the CSO without an SOS statement indicating the two-year maintenance condition has been satisfied. | S006, §45-805(5)–(6). | **High.** No public release form or decision deadline located. |\n| **S_NE-P05-C026** | Before contract or payment, the buyer must receive written notice of the security right and identifying surety/account information. | S006, §45-807(1)(b)–(c). | **High.** |\n| **S_NE-P05-C027** | The CSO public bond form uses stated term dates and acceptable continuation certificates, but no public cancellation-notice term. | S008, p.1/index0. | **High for specimen;** actual issued bond held. |\n| **S_NE-P05-C028** | A Chapter 69 licensee is textually exempt from the CSO Act; affiliates and out-of-scope products are not automatically exempt. | S006, §45-803(1)(k), (2). | **High/conditional.** |\n| **S_NE-P05-C029** | A CSO contract breach or breach of an Act-contract obligation is an Act violation. | S006, §45-808(5). | **High.** Security still requires §45-810 damages. |\n| **S_NE-P05-C030** | §45-810 and §45-812 actions are barred four years after execution of the related services contract. | S006, §45-813. | **High.** Tolling and pending-claim effects not researched. |\n| **S_NE-P05-C031** | No CSO cancellation-notice period, claim priority, replenishment rule, or complete account-release procedure beyond §45-805(5) was verified. | S006–S009; S017–S018. | **Partial/HOLD.** |\n| **S_NE-P05-C032** | A state CSO bond/account does not override stricter federal fee timing or create a federal advance-fee exception. | S006, §45-804(1)–(2); preserved P1–P3 federal context. | **High as separation-of-law conclusion;** no federal overview rerun. |\n| **S_NE-P05-C033** | An independent administrator may need money-transmitter security only if it actually performs nonexempt money transmission. | S010, §§8-2702(22), 8-2703, 8-2715. | **Conditional.** Entity, receipt, delegate, agency, and exemption facts required. |\n| **S_NE-P05-C034** | The in-scope Chapter 69/CSO money-transmitter exemption is entity- and activity-specific. | S010, §8-2703(14). | **High.** It does not automatically transfer to an affiliate or processor. |\n| **S_NE-P05-C035** | Current MT bond amount is greater of $100,000 or 100% of Nebraska ADMT liability, capped at $500,000. | S010, §§8-2702(4), 8-2731(2). | **High.** |\n| **S_NE-P05-C036** | An MT bond cancels only after 30 days’ written notice to the director, without affecting incurred or accrued liability. | S010, §8-2731(3). | **High.** |\n| **S_NE-P05-C037** | Any MT claimant may claim or sue directly; the director may act for a claimant in one or successive actions. | S010, §8-2731(4). | **High.** Current instrument details and allocation remain held. |\n| **S_NE-P05-C038** | MT net worth is a separate requirement calculated under §8-2730 and may be exempted in whole or part for good cause. | S010, §8-2730. | **High.** The exemption authority is not stated for the bond. |\n| **S_NE-P05-C039** | MT permissible investments equal to outstanding obligations are separate from the bond; a qualifying LOC is an investment, not a bond substitute. | S010, §§8-2732–8-2733. | **High.** |\n| **S_NE-P05-C040** | Failure to maintain the MT bond may trigger notice canceling the license. | S010, §8-2734(4). | **High.** |\n| **S_NE-P05-C041** | No separate authorized-delegate bond was verified; the delegate contract imposes a trust for the licensee and the delegate acts under the licensee’s designation. | S010, §8-2724. | **Partial.** Whether a particular loss reaches the principal bond requires the current bond and contract. |\n| **S_NE-P05-C042** | The 2020 order requires affected MT applicants/licensees to submit electronic bonds through NMLS and remains effective by its terms until modified or vacated. | S012, PDF p.3/index2. | **High for order text;** no later modification located, but current checklist not authenticated. |\n| **S_NE-P05-C043** | The July 2014 MT form is historical and cannot establish the current post-LB474 bond amount or filing procedure. | S013; S011–S012. | **High.** |\n| **S_NE-P05-C044** | *Saint James* establishes only that a surety-alone action was permitted under the exact notary statute before that court. | S014, report pp.437–440/index18–21. | **High;** not a CSO/DMP holding. |\n| **S_NE-P05-C045** | *Echo Group* states the general rule that surety liability ordinarily does not exceed the penal sum absent an extending condition, while principal liability may differ. | S015, report pp.743–744/index14–15. | **High for that case;** application to DMP/CSO claims remains limited. |\n| **S_NE-P05-C046** | No directly controlling Nebraska appellate DMP- or CSO-security decision was located in the bounded official search. | S018. | **Limited negative finding, not proof of absence.** |\n| **S_NE-P05-C047** | Current substantive Title 433 security rules and complete rule history remain unauthenticated. | S017. | **HOLD.** No “no rule exists” conclusion. |\n| **S_NE-P05-C048** | Public forms are specimens and do not establish an actual provider’s bond, surety solvency, remaining penal sum, cancellation status, or claim acceptance. | S002–S005, S007–S009, S012–S013. | **High.** |\n| **S_NE-P05-C049** | Security amount or apparent claim arithmetic does not guarantee recovery or prove fee entitlement. | S001, S006, S010; claim matrices. | **High.** Validity, timing, coverage, aggregate exhaustion, and issuer solvency remain necessary. |\n\n# F. Component coverage and gaps\n\n| Security issue | Status | Claim IDs | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Chapter 69 bond trigger | **Answered conditionally** | C001–C002 | Apply only after final model classification and entity facts. |\n| DMP bond amount | **Answered** | C002 | No further action for statutory amount. |\n| DMP covered obligation | **Answered textually** | C003–C004 | Actual loss, entrusted account, employee/agent relationship, and bond terms. |\n| DMP office-specific bond | **Strong textual answer; implementation partial** | C005–C006 | Actual branch bond/rider practice or formal SOS instruction. |\n| DMP obligee/beneficiary | **Answered in statute/form; standing partial** | C003, C013 | Controlling direct-action case or actual instrument. |\n| DMP initial filing | **Answered** | C007 | Actual approval/filing for named provider excluded. |\n| DMP renewal | **Answered** | C008 | Exact continuation process and current agency checklist. |\n| DMP cancellation notice | **Answered from public form** | C009 | Actual bond/rider and proof of SOS receipt. |\n| DMP cancellation survival | **Answered only as prospective form language** | C009, C012 | Accrual, tail, proof-of-loss, and limitation decision. |\n| DMP replacement grace | **Not verified** | C007, C009 | Rule, formal guidance, or issued bond requirement. |\n| DMP alternative deposit/LOC | **Not verified** | C010 | Complete current Title 433 and formal SOS authority. |\n| DMP fidelity/E&O/insurance requirement | **Not verified** | C010 | Complete current rules and any applicable sector-specific law. |\n| DMP financial responsibility | **Answered qualitatively** | C011 | Numeric standard, if any, in unverified rules or adjudications. |\n| DMP claim procedure | **Unresolved** | C013 | Actual bond, surety instructions, procedural statutes, cases. |\n| DMP claim limitation | **Partial** | C012 | Controlling interpretation of §69-1216 and accrual. |\n| DMP claim allocation/priority | **Unresolved** | C005, C013 | Court order, surety interpleader, statute, or instrument. |\n| DMP replenishment after claim | **Unresolved** | C013 | Rule, form rider, agency order, or case. |\n| DMP principal liability beyond bond | **Excluded except distinction** | C045 | Full private-remedies pass. |\n| CSO security trigger | **Answered conditionally** | C015–C016 | Actual services, representations, entity, and exemption proof. |\n| CSO bond amount | **Answered** | C016 | None for statutory amount. |\n| CSO account alternative | **Answered textually** | C018 | Actual trustee/depository agreement and proof form. |\n| CSO account assets/interest/setoff | **Unresolved** | C018, C031 | Account agreement, current rules, trust/property law. |\n| CSO beneficiaries | **Answered with standing tension** | C019, C022 | Controlling interpretation of “any person” versus “buyer.” |\n| CSO covered damages | **Answered** | C020–C021, C029 | Final judgment and actual violation/injury facts. |\n| CSO direct action/joinder | **Unresolved** | C020, C044 | CSO-specific controlling case or procedural ruling. |\n| CSO aggregate cap | **Answered** | C023 | Claim allocation and remaining balance still needed. |\n| CSO multiple-claim priority | **Unresolved** | C023, C031 | Statute, rule, trustee instructions, interpleader order, or case. |\n| CSO two-year tail | **Answered** | C024 | Actual cessation date and effect of pending claims. |\n| CSO account release | **Answered in part** | C025 | SOS application, evidentiary standard, timeline, and issued statement. |\n| CSO bond release | **Unresolved beyond tail** | C024, C027 | Actual bond, continuation certificate, surety release procedure. |\n| CSO cancellation notice | **Not verified** | C027, C031 | Actual bond/rider or formal rule. |\n| CSO replenishment | **Unresolved** | C031 | Formal interpretation, account agreement, or case. |\n| CSO buyer disclosure | **Answered** | C026 | Actual disclosure and signed copy excluded. |\n| CSO four-year action limit | **Answered textually** | C030 | Tolling, accrual alternatives, and pending-claim effects later. |\n| CSO federal advance-fee effect | **Answered as no override** | C032 | Actual federal coverage and sales facts remain prior holds. |\n| Chapter 69 licensee CSO exemption | **Answered conditionally** | C028 | Same legal entity and in-scope activity proof. |\n| Independent administrator MT gateway | **Answered conditionally** | C033–C034 | Entity, receipt, payee, delegate, bank, and loss-allocation agreements. |\n| MT current bond formula | **Answered** | C035 | Current entity ADMT data. |\n| MT bond adjustment frequency | **Answered formulaically; procedure partial** | C035 | Current NMLS checklist/reporting process. |\n| MT electronic bond filing | **Answered from 2020 order with currentness limit** | C042 | Current NMLS state checklist and any later order. |\n| MT current bond form | **Unresolved** | C042–C043 | Current NMLS electronic bond and riders. |\n| MT bond cancellation | **Answered** | C036 | Actual notice date and replacement instrument. |\n| MT direct claims | **Answered textually** | C037 | Current bond form, proof requirements, limitations, allocation. |\n| MT net worth | **Answered** | C038 | Actual financial statements and Director exemption, if any. |\n| MT permissible investments | **Answered at security boundary** | C039 | Actual asset schedule, valuation, and order limits. |\n| MT LOC nonextension/draw | **Answered textually** | C039 | Actual LOC and Director action. |\n| MT authorized delegate security | **Partial** | C041 | Current principal bond and delegate contract. |\n| MT claim allocation/replenishment | **Unresolved** | C037 | Current ESB, regulations, orders, or insolvency proceeding. |\n| Named-provider security status | **Not performed** | C048 | Exact entity, office, bond/account number, surety/trustee, and requested status date. |\n| Surety solvency and policy exclusions | **Not performed** | C048–C049 | Actual issuer and instrument; private underwriting records. |\n| Full Title 433 rule universe | **Unresolved** | C047 | Official accessible current chapters, docket, and adoption orders. |\n| Full private remedies, bond claims, bankruptcy, collections, limitations, garnishment, sectors, local and tribal law | **Excluded/later passes** | — | Separate authorized components. |\n\n# G. Researcher self-check\n\n## Freshly read in PASS-05\n\n- Current official Nebraska statutory text for:§§69-1201 through 69-1207 as necessary to the bond;§§69-1215 and 69-1216;§§45-802 through 45-815 as necessary to security, exemptions, damages, and limitations;§§8-2702, 8-2703, 8-2715, 8-2724, 8-2730 through 8-2734.\n- Current Secretary of State DMP and CSO licensing pages.\n- The public DMP bond, financial statement, and application PDFs.\n- The public CSO bond and registration PDFs.\n- The current Department of Banking and Finance money-transmitter advisory.\n- The December 2020 electronic-surety-bond order.\n- The July 2014 historical money-transmitter bond form, used only as historical evidence.\n- The pertinent portions of:*Saint James Apartment Partners, LLC v. Universal Surety Co.*, 316 Neb. 419 (2024); and*Echo Group, Inc. v. Tradesmen International*, 312 Neb. 729 (2022).\n- The official Sigue settlement page as a bounded operational example.\n- Targeted official-domain searches for direct DMP and CSO security decisions and orders.\n\n## Reused only as attributed prior history\n\n- PASS-01’s provider and fee classifications and government-fee findings.\n- PASS-02’s Title 433 access outcomes and federal timing distinctions.\n- PASS-03’s correction that federal withdrawal is from the debt-relief service, not an unconditional bank-account closure or withdrawal right.\n- Earlier dated public roster and form access histories.\n- The conditional Chapter 69, CSO, and federal coverage holds.\n\nThis pass is not an independent review of those prior components.\n\n## Not authenticated or not read\n\n- A complete current Title 433 compilation, rule history, adoption orders, or current SOS internal licensing manual.\n- Any actual provider bond, continuation certificate, rider, cancellation notice, proof of filing, surety-account agreement, trustee agreement, depository statement, or SOS release statement.\n- Any actual fidelity, E&O, cyber, crime, or general-liability policy.\n- Any current named provider’s license, registration, bond, account, claim history, or remaining aggregate.\n- A current Nebraska NMLS money-transmitter checklist or electronic bond form.\n- Any surety underwriting file, indemnity agreement, collateral agreement, reinsurance arrangement, solvency report, or private claim manual.\n- Any complete commercial citator, trial-court docket, bankruptcy docket, administrative-file universe, or nonpublic claim record.\n- A controlling DMP- or CSO-specific Nebraska appellate decision on direct action, joinder, claim priority, replenishment, accrual, or release.\n- Full bankruptcy, insolvency, private-remedies, contract, collection, garnishment, secured-sector, local, tribal, or international analysis.\n\n## Actions not performed\n\nNo Deep Research, Work, Codex research generation, API, purchase, filing, application, bond quote, account change, agency or company contact, records request, private borrower-data access, website action, publication, Chrome control, other chat, CAPTCHA bypass, or security workaround was used.\n\n**Focused disposition:** Nebraska’s Chapter 69 security is a fixed, office-focused $10,000 faithful-accounting bond. Its CSO security is a materially broader $100,000 bond-or-account structure tied to Act violations and §45-810 damages, with a two-year post-cessation maintenance period. A separate nonexempt administrator may instead face the current money-transmitter bond formula plus independent net-worth and permissible-investment requirements. Claim allocation, replenishment, direct-action mechanics for DMP/CSO bonds, actual instruments, and the complete current Title 433 universe remain expressly held.\n\nEND S_NE PASS-05.\n\n","tables":[{"headers":["Model","Security trigger","Required instrument and amount","Principal, beneficiary, and covered loss","Disposition and principal holds"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Model","Security trigger","Required instrument and amount","Principal, beneficiary, and covered loss","Disposition and principal holds"],["Licensed custodial DMP, one office","Chapter 69 license application and covered operation","$10,000 surety bond","Applicant/licensee as principal; people of Nebraska/injured parties; faithful accounting for entrusted money, including employees and agents","Established. Bond must be approved and filed before business. C001–C008"],["Licensed custodial DMP, multiple offices","Each separately licensed office","Strong reading: separate $10,000 bond per office","Aggregate surety exposure tied to claimants doing business with the particular office","Strong textual result; implementation held. Public form omits office field. C006"],["DMP employee acting for licensee","Employee acts within licensed employment","No separate employee bond verified","Employee/agent activity is included in principal bond condition","Established textually. Independent contractor status may change result. C004"],["Noncustodial settlement negotiation","Chapter 69 only if receipt or “evidences thereof” and other definition elements are met","No Chapter 69 bond established absent coverage","Depends on actual custody/control facts","Classification held. No-bond result is not affirmative market permission. C001, C009"],["Fee-based credit repair or credit advice","Covered CSO with no exemption","$100,000 bond or $100,000 surety account","CSO; State and persons damaged by an Act violation; security liability tied to §45-810 damages","Established conditionally. C015–C026"],["CSO obtaining credit","Same CSO security","$100,000 bond/account","Same security architecture","Security does not alter the state rule barring payment before credit is obtained or federal rules. C027"],["Chapter 69 licensee also performing in-scope credit services","§45-803(1)(k) exemption","Chapter 69 bond, not duplicate CSO security, on the stated in-scope facts","Chapter 69 accounting losses","Conditional. Separate affiliate/product/out-of-scope activity remains held. C028"],["§501(c)(3), attorney, bank, collection agency, or other claimed CSO exemption","Every element of exemption proved","No CSO security on exempt activity","N/A","Conditional only. Labels and affiliations are insufficient. C028"],["Independent administrator receiving Nebraska money for transmission","Nonexempt Nebraska money transmission","Surety bond: greater of $100,000 or 100% of Nebraska ADMT liability, maximum $500,000","Applicant/licensee; claimant and Director have statutory claim rights","Conditional gateway. Actual entity, receipt, exemption, delegate, and loss facts held. C032–C039"],["Authorized delegate of licensed money transmitter","Written designation and delegate contract","No separate delegate bond found in reviewed text; principal licensee must maintain statutory bond","Delegate holds transmitted money net of fees in trust for licensee","Partial. Actual principal bond terms and delegate coverage must be read. C040"],["Bank service provider, agent of payee, intermediary, or payment-system operator","Every condition of statutory exemption met","No money-transmitter bond only to extent exemption applies","Depends on written agreement, loss allocation, and transaction","Fact-dependent hold. A bank account or processor label is not enough. C032"],["Provider purchasing private fidelity, E&O, cyber, or general-liability insurance","Private contract, underwriting, or separate law","No such policy was verified as a Chapter 69 or CSO statutory substitute","Depends entirely on actual policy","Not a statutory substitute established here. C010, C031"]]},{"headers":["Regime","Statutory security amount","Base, minimum, and maximum","Initial/renewal or adjustment","Alternative security","Separate financial requirements"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Regime","Statutory security amount","Base, minimum, and maximum","Initial/renewal or adjustment","Alternative security","Separate financial requirements"],["Chapter 69 DMP","$10,000","Fixed; no transaction-volume or entrusted-funds formula in §69-1204","Furnished at application; renewal includes a bond as in an original application; separate application per office","No cash account, letter of credit, insurance policy, waiver, or other alternative verified","Subjective financial-responsibility investigation; no numeric net-worth minimum verified"],["CSO","$100,000","Fixed aggregate bond/account amount","Must be obtained/established for conducting business; maintained until two years after Nebraska cessation","Either authorized-surety bond or statutory surety account at a federally insured Nebraska bank/S&L","No separate CSO net-worth formula verified"],["Conditional money transmitter","Greater of $100,000 or 100% of Nebraska ADMT liability, capped at $500,000","ADMT liability is based on end-of-day Nebraska outstanding obligations over the relevant calendar-quarter period","Applicant provides bond; licensee maintains it at all times; amount follows most recently completed three-month period","No substitute for the bond in §8-2731","Separate net worth and separate permissible investments equal to aggregate outstanding obligations"],["MT permissible-investment letter of credit","Not a bond amount","Full drawable LOC may count as a permissible investment if all §8-2733 conditions are met","Automatic annual extension unless 60-day nonextension notice; compliance must be demonstrated 15 days before expiration","Alternative investment within §8-2732—not alternative to §8-2731 bond","Director may draw when required conditions occur"]]},{"headers":["Event","Verified result","Limitation"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event","Verified result","Limitation"],["Initial application","$10,000 bond furnished with application; SOS approval/file required before business","No operating grace period verified"],["License issuance","Posted form begins bond term at license issuance","Actual bond may contain approved particulars"],["Natural term end","Posted form ends December 31","Claim-filing tail is not defined by the form"],["Renewal","Application by December 1, $100 fee, bond as on original application, separate application per office","Exact continuation/rider mechanics not published"],["Surety cancellation","Posted form allows cancellation of future liability after 30 days’ written notice to SOS","Statute itself does not state the 30-day rule; no claimant notice requirement found"],["Replacement","A good and sufficient bond must be filed before conducting business","No statutory cure or replacement grace period verified"],["Prior liability","“Future liability” wording indicates cancellation does not erase liability arising while the bond was effective","Exact accrual and claim procedure remain unresolved"],["License cessation","No express statutory tail or bond-release process verified","Possible claims remain subject to actual accrual and limitations"]]},{"headers":["Event","Verified result","Limitation"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Event","Verified result","Limitation"],["Before Nebraska business","CSO must obtain bond or establish account; registration must precede business","No separate annual registration renewal term appears in reviewed statute"],["Bond term","Public form uses blank start/end dates and continuation certificate","No statutory or public-form cancellation notice period verified"],["Surety account","Must remain at qualifying Nebraska institution","No public trustee agreement or collateral instruction located"],["Cessation","Bond/account maintained until two years after Nebraska operations cease","“Cessation” fact and date may itself be disputed"],["Account release","Depository may not return money to CSO or representative without SOS statement confirming subsection (6) is satisfied","No public release application, deadline, or adjudication standard located"],["Bond release","Two-year maintenance rule applies","No parallel statutory release-certificate procedure for bond located"],["Partial claim payment","Security aggregate is $100,000","No express replenishment timetable or post-payment amount rule found"],["Lapse during operation/tail","Noncompliance with §45-805","No automatic registration-cancellation mechanism verified; other enforcement remains possible"]]},{"headers":["Security","Who may claim under reviewed text","Required claim basis","Principal/surety or trustee route","Security cap","Limitations and unresolved mechanics"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Security","Who may claim under reviewed text","Required claim basis","Principal/surety or trustee route","Security cap","Limitations and unresolved mechanics"],["Chapter 69 DMP bond","Statute: claimants doing business with bonded office; form: Nebraska persons/injured parties","Failure faithfully to account for money collected on entrusted accounts","Statute/form do not supply a complete direct-action procedure","$10,000 aggregate per bonded office under strongest reading","Possible two-year §69-1216 period; accrual, notice, joinder, priority, exhaustion, and replenishment unresolved"],["CSO bond","“Any person” damaged, but surety liable only for §45-810 damages","Injured buyer proves an Act violation and damages","§45-805 says action against CSO and surety; surety-alone route unresolved","$100,000 aggregate","§45-810/812 action within four years after contract execution; allocation and exhaustion unresolved"],["CSO surety account","Same statutory claimant structure","Same §45-810 damages limitation","Action against CSO and trustee","$100,000 aggregate","Same four-year limit; account maintained two years post-cessation; release requires SOS statement"],["MT bond","Any claimant against licensee; Director may act for claimant","Claim against licensee within actual bond/statutory coverage","Direct claim or suit on bond; Director may act in one or successive actions","Required bond amount, $100,000–$500,000; current statute does not state allocation mechanics","Actual ESB, limitations, priority, delegate loss, and replenishment remain held"],["MT permissible investments","Purchasers/holders of outstanding transmission obligations in insolvency statutory trust","Outstanding transmission obligation","Insolvency/receivership statutory-trust process, not ordinary bond claim","Market value at least aggregate outstanding obligations","Pro rata and equitable across applicable states; actual insolvency proceeding and asset tracing required"],["Private fidelity/E&O/other insurance","Depends on actual policy","Policy-defined covered event","Policy claim process","Policy limit","No actual policy reviewed; cannot be treated as statutory security"]]},{"headers":["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/effective status and access classification","Scope and limitations"],"index":5,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201","text":"Nebraska Legislature\n+8"},{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf","text":"Nebraska Secretary of State"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+13"},{"href":"https://sos.nebraska.gov/licensing/credit-services-organizations","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf","text":"Nebraska Secretary of State"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf","text":"Nebraska Secretary of State"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702","text":"Nebraska Legislature\n+9"},{"href":"https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters","text":"Nebraska Banking and Finance"},{"href":"https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf","text":"Nebraska Banking and Finance\n+1"},{"href":"https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf","text":"Nebraska Banking and Finance"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB","text":"Nebraska.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB","text":"Nebraska.gov"},{"href":"https://ndbf.nebraska.gov/about/news-publications/sigue-settlement","text":"Nebraska Banking and Finance"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201","text":"Nebraska Legislature\n+8"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf","text":"Nebraska Secretary of State"}],[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+13"}],[{"href":"https://sos.nebraska.gov/licensing/credit-services-organizations","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf","text":"Nebraska Secretary of State"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702","text":"Nebraska Legislature\n+9"}],[{"href":"https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters","text":"Nebraska Banking and Finance"}],[{"href":"https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf","text":"Nebraska Banking and Finance\n+1"}],[{"href":"https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf","text":"Nebraska Banking and Finance"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB","text":"Nebraska.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB","text":"Nebraska.gov"}],[{"href":"https://ndbf.nebraska.gov/about/news-publications/sigue-settlement","text":"Nebraska Banking and Finance"}],[],[]],"rows":[["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/effective status and access classification","Scope and limitations"],["S_NE-P05-S001","Nebraska Debt Management Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201, §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1206, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207, subsections (1), (3); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216, complete section.","Official current codification freshly read October 25, 2026 Pacific. Source histories show enactment beginning in 1967 and later amendments; later amendment dates are not treated as first enactment of the bond.","Controlling Chapter 69 authority. Same statutory family as earlier S_NE-P1-S001, freshly read here for security. Sections are not counted as independent instruments. \nNebraska Legislature\n+8"],["S_NE-P05-S002","Debt Management Agencies, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/debt-management-agencies, displayed licensing links at body lines 94–107.","Current live agency page freshly read October 25, 2026. “Submitted” webpage metadata is not a legal effective date.","Establishes the presently displayed public forms, not the exclusivity or issuance of an instrument. Prior alias S_NE-P1-S002. \nNebraska Secretary of State"],["S_NE-P05-S003","Debt Management License Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf, printed page 1, zero-based PDF index 0, lines 30–50.","Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S002.","Public specimen; no actual principal, office, surety, bond number, rider, or issued instrument reviewed. \nNebraska Secretary of State"],["S_NE-P05-S004","Debt Management Personal/Corporate Financial Statement, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf, printed page 1, zero-based index 0, lines 30–59.","Undated one-page current agency-linked form, freshly read October 25, 2026.","Application evidence only; not security, trust collateral, or a numeric net-worth rule. \nNebraska Secretary of State"],["S_NE-P05-S005","Debt Management License Application, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based index 0.","One-page agency-linked form; previously read in P1 and checked for this component’s form relationship.","Procedure only. Statute controls amount and legal duty."],["S_NE-P05-S006","Nebraska Credit Services Organization Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=45-802, §45-802(1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-803, subsections (1)–(2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-804, subdivisions (1)–(2), (7)–(8); https://nebraskalegislature.gov/laws/statutes.php?statute=45-805, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806, subsections (1), (5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-807, subsection (1)(b)–(c), (2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-808, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815.","Official current codification freshly read October 25, 2026. §45-805 source history is 1991 LB292; §45-804 includes 2025 LB474 amendment.","Controlling CSO security and necessary claim/remedy boundary. Same statutory family as S_NE-P1-S009; not counted as multiple independent authorities. \nNebraska Legislature\n+13"],["S_NE-P05-S007","Credit Services Organizations, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/credit-services-organizations, body lines 94–104.","Current live agency page freshly read October 25, 2026.","Establishes current public links, not a provider’s status or an exclusive form universe. \nNebraska Secretary of State"],["S_NE-P05-S008","Credit Services Organization Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf, printed page 1, zero-based index 0, lines 3–23.","Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S007.","Public specimen; no actual bond, continuation certificate, cancellation rider, or claims endorsement reviewed. \nNebraska Secretary of State"],["S_NE-P05-S009","Credit Services Organization Registration, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based index 0, lines 22–40.","Undated current agency-linked form, freshly read October 25, 2026.","Says “proper proof” of account but supplies no account-proof or release instructions. \nNebraska Secretary of State"],["S_NE-P05-S010","Nebraska Money Transmitters Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702, subdivisions (3), (4), (22), (25); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2703, subdivisions (1)–(3), (12)–(14), (17); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2715, subsection (2); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2724, subsections (1)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2730; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2732; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733, subsection (1)(g); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2734, subsections (4)–(6).","Official current codification freshly read October 25, 2026. §8-2731 reflects 2025 LB474; §8-2703 displays July 18, 2026 operative date following 2026 LB717. That 2026 history is not treated as first enactment of every exemption concept.","Limited administrator/processor security gateway, not a full money-transmission dossier. \nNebraska Legislature\n+9"],["S_NE-P05-S011","Advisory: Money Transmitters, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters, dated June 16, 2025, bond discussion lines 68–86.","Official agency advisory; says LB474 effective October 1, 2025. Freshly read October 25, 2026.","Operational explanation; statute remains controlling. \nNebraska Banking and Finance"],["S_NE-P05-S012","Order Adopting Acceptance of Electronic Surety Bonds, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf; PDF page 1/index 0 introduction; page 2/index 1 findings 4–13; page 3/index 2 ordering clauses 1–5.","Signed December 30, 2020; effective on signature; says it remains until modified or vacated. Freshly parsed and visually inspected October 25, 2026.","No later modifying/vacating order found in bounded search; not a certified current NMLS checklist. \nNebraska Banking and Finance\n+1"],["S_NE-P05-S013","Nebraska Money Transmitter Act Bond Form, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf; printed page 1 of 2/index 0 and page 2 of 2/index 1.","Form marked “Revised 7/2014”; freshly read October 25, 2026.","Historical only. Predates the 2020 NMLS electronic-bond order and 2025 amount formula; not used as current operative form. \nNebraska Banking and Finance"],["S_NE-P05-S014","Saint James Apartment Partners, LLC v. Universal Surety Co., 316 Neb. 419 (2024), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB; Nebraska Reports pp. 437–440, zero-based PDF indices 18–21.","Published Nebraska Supreme Court opinion, freshly read October 25, 2026.","Notary-bond case. Used only for statute-specific joinder/direct-action caution, not as a DMP/CSO holding. \nNebraska.gov"],["S_NE-P05-S015","Echo Group, Inc. v. Tradesmen International, 312 Neb. 729 (2022), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB; Nebraska Reports pp. 743–744, zero-based PDF indices 14–15.","Published Nebraska Supreme Court opinion, freshly read October 25, 2026.","Construction-lien bond case. Used only for the general penal-sum/principal-liability distinction. \nNebraska.gov"],["S_NE-P05-S016","Sigue Settlement, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/sigue-settlement, dated March 21, 2025, body lines 68–74.","Official agency settlement announcement, freshly read October 25, 2026.","Specific money-transmitter enforcement example; not a general bond-claim procedure or DMP/CSO authority. \nNebraska Banking and Finance"],["S_NE-P05-S017","Preserved Title 433 routes: https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; https://rules.nebraska.gov/rules?agencyId=61&titleId=201; https://rules.nebraska.gov/docket; https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf.","PASS-02 access history preserved: Title 433 index identified; dynamic catalog returned a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document extraction/view histories remain separately attributed. Not rerun in PASS-05.","No complete current substantive Title 433 bond, insurance, fidelity, adjustment, claim, or release universe authenticated."],["S_NE-P05-S018","Bounded official-domain decision/order search: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature, Secretary of State, Attorney General, and NDBF searches for §§69-1204, 45-805, debt-management bond, CSO surety account, direct action, and bond claim.","Search-only research conducted October 25, 2026.","No on-point controlling DMP or CSO security decision located. Not an exhaustive commercial citator, trial docket, administrative file, surety-claim database, or records request."]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequences, and confidence"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequences, and confidence"],["S_NE-P05-C001","Chapter 69 security applies only after the custody-based statutory debt-management classification is satisfied.","S001, §69-1201(1).","High for text; indirect control, “evidences thereof,” remote nexus, and noncustodial perimeter remain held."],["S_NE-P05-C002","A Chapter 69 applicant must furnish a $10,000 bond at application.","S001, §69-1204(3).","High."],["S_NE-P05-C003","The DMP bond is conditioned on faithful accounting for money collected on entrusted accounts.","S001, §69-1204(3); S003, p.1/index0.","High. Not facial coverage for every service or contract dispute."],["S_NE-P05-C004","The DMP bond condition includes the principal’s employees and agents.","S001, §69-1204(3); S003.","High; independent affiliate/processor status remains fact-dependent."],["S_NE-P05-C005","DMP surety liability is aggregate, not per claimant, and capped at $10,000 for claimants doing business with the bonded office.","S001, §69-1204(3).","High. Allocation among excess claimants unresolved."],["S_NE-P05-C006","The strongest statutory reading requires a separate $10,000 bond for each office.","S001, §§69-1204(3), 69-1206.","Medium-high. Public form lacks office field; implementation held."],["S_NE-P05-C007","SOS approval and filing of a good and sufficient bond are preconditions to debt-management operation.","S001, §69-1204(3).","High. No grace period verified."],["S_NE-P05-C008","DMP renewal requires a bond as on original application and a separate application for each office.","S001, §69-1206.","High."],["S_NE-P05-C009","The currently linked DMP form runs from license issuance through December 31 and allows 30-day prospective cancellation notice to SOS.","S003, p.1/index0.","High for the specimen; actual issued terms held."],["S_NE-P05-C010","No statutory DMP cash-deposit, LOC, insurance, fidelity-policy, or waiver alternative was verified.","S001–S005; S017 gap.","Partial/HOLD. Complete current Title 433 universe unavailable."],["S_NE-P05-C011","DMP financial responsibility is separately investigated, but no numeric net-worth minimum was verified.","S001, §69-1205; S004.","High for statute/form; unverified rule gap remains."],["S_NE-P05-C012","A possible Chapter 69 judicial action is subject to §69-1216’s two-year-after-accrual limit.","S001, §69-1216.","Partial. Bond-action applicability, accrual, discovery, and tolling unresolved."],["S_NE-P05-C013","No complete statutory DMP proof-of-claim, priority, exhaustion, direct-action, or replenishment process was verified.","S001, §69-1204; S003; S018.","HOLD. Actual instrument and procedural law required."],["S_NE-P05-C014","DMP application, investigation, and renewal fees are government charges separate from the bond and consumer fees.","S001, §§69-1204(2), 69-1206.","High."],["S_NE-P05-C015","CSO security applies only to a covered, nonexempt CSO; debt settlement does not automatically equal credit services.","S006, §§45-802–45-803.","High for text; actual representations and exemption facts required."],["S_NE-P05-C016","A covered CSO must obtain a $100,000 bond or establish a $100,000 surety account.","S006, §45-805(1).","High."],["S_NE-P05-C017","A CSO bond must be issued by a Nebraska-authorized surety and filed with SOS.","S006, §45-805(2).","High."],["S_NE-P05-C018","A CSO surety account must be at a federally insured Nebraska bank or savings and loan, with depository, trustee, and account number filed.","S006, §45-805(2).","High. No detailed asset or interest rule verified."],["S_NE-P05-C019","CSO security benefits the State and persons damaged by an Act violation.","S006, §45-805(3).","High, subject to the §45-810 damages limitation."],["S_NE-P05-C020","A claimant may bring an action against the CSO and surety/trustee, but security liability is limited to §45-810 damages.","S006, §45-805(4).","High for wording; surety-alone joinder question unresolved."],["S_NE-P05-C021","An injured buyer’s §45-810 award cannot be less than amount paid plus reasonable attorney fees and costs.","S006, §45-810.","High. Requires proven violation, injury, timely action, and award."],["S_NE-P05-C022","“Any person” claimant language in §45-805 is in tension with §45-810’s “buyer injured” damages action.","S006, §§45-805(3)–(4), 45-810.","HOLD. No controlling decision located for nonbuyer security standing."],["S_NE-P05-C023","CSO surety/trustee aggregate liability is capped at $100,000.","S006, §45-805(4); S008.","High. No statutory allocation method for excess claims found."],["S_NE-P05-C024","CSO security must remain until two years after Nebraska operations cease.","S006, §45-805(6).","High. Exact cessation date may be fact-dependent."],["S_NE-P05-C025","A CSO surety account cannot be returned to the CSO without an SOS statement indicating the two-year maintenance condition has been satisfied.","S006, §45-805(5)–(6).","High. No public release form or decision deadline located."],["S_NE-P05-C026","Before contract or payment, the buyer must receive written notice of the security right and identifying surety/account information.","S006, §45-807(1)(b)–(c).","High."],["S_NE-P05-C027","The CSO public bond form uses stated term dates and acceptable continuation certificates, but no public cancellation-notice term.","S008, p.1/index0.","High for specimen; actual issued bond held."],["S_NE-P05-C028","A Chapter 69 licensee is textually exempt from the CSO Act; affiliates and out-of-scope products are not automatically exempt.","S006, §45-803(1)(k), (2).","High/conditional."],["S_NE-P05-C029","A CSO contract breach or breach of an Act-contract obligation is an Act violation.","S006, §45-808(5).","High. Security still requires §45-810 damages."],["S_NE-P05-C030","§45-810 and §45-812 actions are barred four years after execution of the related services contract.","S006, §45-813.","High. Tolling and pending-claim effects not researched."],["S_NE-P05-C031","No CSO cancellation-notice period, claim priority, replenishment rule, or complete account-release procedure beyond §45-805(5) was verified.","S006–S009; S017–S018.","Partial/HOLD."],["S_NE-P05-C032","A state CSO bond/account does not override stricter federal fee timing or create a federal advance-fee exception.","S006, §45-804(1)–(2); preserved P1–P3 federal context.","High as separation-of-law conclusion; no federal overview rerun."],["S_NE-P05-C033","An independent administrator may need money-transmitter security only if it actually performs nonexempt money transmission.","S010, §§8-2702(22), 8-2703, 8-2715.","Conditional. Entity, receipt, delegate, agency, and exemption facts required."],["S_NE-P05-C034","The in-scope Chapter 69/CSO money-transmitter exemption is entity- and activity-specific.","S010, §8-2703(14).","High. It does not automatically transfer to an affiliate or processor."],["S_NE-P05-C035","Current MT bond amount is greater of $100,000 or 100% of Nebraska ADMT liability, capped at $500,000.","S010, §§8-2702(4), 8-2731(2).","High."],["S_NE-P05-C036","An MT bond cancels only after 30 days’ written notice to the director, without affecting incurred or accrued liability.","S010, §8-2731(3).","High."],["S_NE-P05-C037","Any MT claimant may claim or sue directly; the director may act for a claimant in one or successive actions.","S010, §8-2731(4).","High. Current instrument details and allocation remain held."],["S_NE-P05-C038","MT net worth is a separate requirement calculated under §8-2730 and may be exempted in whole or part for good cause.","S010, §8-2730.","High. The exemption authority is not stated for the bond."],["S_NE-P05-C039","MT permissible investments equal to outstanding obligations are separate from the bond; a qualifying LOC is an investment, not a bond substitute.","S010, §§8-2732–8-2733.","High."],["S_NE-P05-C040","Failure to maintain the MT bond may trigger notice canceling the license.","S010, §8-2734(4).","High."],["S_NE-P05-C041","No separate authorized-delegate bond was verified; the delegate contract imposes a trust for the licensee and the delegate acts under the licensee’s designation.","S010, §8-2724.","Partial. Whether a particular loss reaches the principal bond requires the current bond and contract."],["S_NE-P05-C042","The 2020 order requires affected MT applicants/licensees to submit electronic bonds through NMLS and remains effective by its terms until modified or vacated.","S012, PDF p.3/index2.","High for order text; no later modification located, but current checklist not authenticated."],["S_NE-P05-C043","The July 2014 MT form is historical and cannot establish the current post-LB474 bond amount or filing procedure.","S013; S011–S012.","High."],["S_NE-P05-C044","Saint James establishes only that a surety-alone action was permitted under the exact notary statute before that court.","S014, report pp.437–440/index18–21.","High; not a CSO/DMP holding."],["S_NE-P05-C045","Echo Group states the general rule that surety liability ordinarily does not exceed the penal sum absent an extending condition, while principal liability may differ.","S015, report pp.743–744/index14–15.","High for that case; application to DMP/CSO claims remains limited."],["S_NE-P05-C046","No directly controlling Nebraska appellate DMP- or CSO-security decision was located in the bounded official search.","S018.","Limited negative finding, not proof of absence."],["S_NE-P05-C047","Current substantive Title 433 security rules and complete rule history remain unauthenticated.","S017.","HOLD. No “no rule exists” conclusion."],["S_NE-P05-C048","Public forms are specimens and do not establish an actual provider’s bond, surety solvency, remaining penal sum, cancellation status, or claim acceptance.","S002–S005, S007–S009, S012–S013.","High."],["S_NE-P05-C049","Security amount or apparent claim arithmetic does not guarantee recovery or prove fee entitlement.","S001, S006, S010; claim matrices.","High. Validity, timing, coverage, aggregate exhaustion, and issuer solvency remain necessary."]]},{"headers":["Security issue","Status","Claim IDs","Exact missing evidence or next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Security issue","Status","Claim IDs","Exact missing evidence or next action"],["Chapter 69 bond trigger","Answered conditionally","C001–C002","Apply only after final model classification and entity facts."],["DMP bond amount","Answered","C002","No further action for statutory amount."],["DMP covered obligation","Answered textually","C003–C004","Actual loss, entrusted account, employee/agent relationship, and bond terms."],["DMP office-specific bond","Strong textual answer; implementation partial","C005–C006","Actual branch bond/rider practice or formal SOS instruction."],["DMP obligee/beneficiary","Answered in statute/form; standing partial","C003, C013","Controlling direct-action case or actual instrument."],["DMP initial filing","Answered","C007","Actual approval/filing for named provider excluded."],["DMP renewal","Answered","C008","Exact continuation process and current agency checklist."],["DMP cancellation notice","Answered from public form","C009","Actual bond/rider and proof of SOS receipt."],["DMP cancellation survival","Answered only as prospective form language","C009, C012","Accrual, tail, proof-of-loss, and limitation decision."],["DMP replacement grace","Not verified","C007, C009","Rule, formal guidance, or issued bond requirement."],["DMP alternative deposit/LOC","Not verified","C010","Complete current Title 433 and formal SOS authority."],["DMP fidelity/E&O/insurance requirement","Not verified","C010","Complete current rules and any applicable sector-specific law."],["DMP financial responsibility","Answered qualitatively","C011","Numeric standard, if any, in unverified rules or adjudications."],["DMP claim procedure","Unresolved","C013","Actual bond, surety instructions, procedural statutes, cases."],["DMP claim limitation","Partial","C012","Controlling interpretation of §69-1216 and accrual."],["DMP claim allocation/priority","Unresolved","C005, C013","Court order, surety interpleader, statute, or instrument."],["DMP replenishment after claim","Unresolved","C013","Rule, form rider, agency order, or case."],["DMP principal liability beyond bond","Excluded except distinction","C045","Full private-remedies pass."],["CSO security trigger","Answered conditionally","C015–C016","Actual services, representations, entity, and exemption proof."],["CSO bond amount","Answered","C016","None for statutory amount."],["CSO account alternative","Answered textually","C018","Actual trustee/depository agreement and proof form."],["CSO account assets/interest/setoff","Unresolved","C018, C031","Account agreement, current rules, trust/property law."],["CSO beneficiaries","Answered with standing tension","C019, C022","Controlling interpretation of “any person” versus “buyer.”"],["CSO covered damages","Answered","C020–C021, C029","Final judgment and actual violation/injury facts."],["CSO direct action/joinder","Unresolved","C020, C044","CSO-specific controlling case or procedural ruling."],["CSO aggregate cap","Answered","C023","Claim allocation and remaining balance still needed."],["CSO multiple-claim priority","Unresolved","C023, C031","Statute, rule, trustee instructions, interpleader order, or case."],["CSO two-year tail","Answered","C024","Actual cessation date and effect of pending claims."],["CSO account release","Answered in part","C025","SOS application, evidentiary standard, timeline, and issued statement."],["CSO bond release","Unresolved beyond tail","C024, C027","Actual bond, continuation certificate, surety release procedure."],["CSO cancellation notice","Not verified","C027, C031","Actual bond/rider or formal rule."],["CSO replenishment","Unresolved","C031","Formal interpretation, account agreement, or case."],["CSO buyer disclosure","Answered","C026","Actual disclosure and signed copy excluded."],["CSO four-year action limit","Answered textually","C030","Tolling, accrual alternatives, and pending-claim effects later."],["CSO federal advance-fee effect","Answered as no override","C032","Actual federal coverage and sales facts remain prior holds."],["Chapter 69 licensee CSO exemption","Answered conditionally","C028","Same legal entity and in-scope activity proof."],["Independent administrator MT gateway","Answered conditionally","C033–C034","Entity, receipt, payee, delegate, bank, and loss-allocation agreements."],["MT current bond formula","Answered","C035","Current entity ADMT data."],["MT bond adjustment frequency","Answered formulaically; procedure partial","C035","Current NMLS checklist/reporting process."],["MT electronic bond filing","Answered from 2020 order with currentness limit","C042","Current NMLS state checklist and any later order."],["MT current bond form","Unresolved","C042–C043","Current NMLS electronic bond and riders."],["MT bond cancellation","Answered","C036","Actual notice date and replacement instrument."],["MT direct claims","Answered textually","C037","Current bond form, proof requirements, limitations, allocation."],["MT net worth","Answered","C038","Actual financial statements and Director exemption, if any."],["MT permissible investments","Answered at security boundary","C039","Actual asset schedule, valuation, and order limits."],["MT LOC nonextension/draw","Answered textually","C039","Actual LOC and Director action."],["MT authorized delegate security","Partial","C041","Current principal bond and delegate contract."],["MT claim allocation/replenishment","Unresolved","C037","Current ESB, regulations, orders, or insolvency proceeding."],["Named-provider security status","Not performed","C048","Exact entity, office, bond/account number, surety/trustee, and requested status date."],["Surety solvency and policy exclusions","Not performed","C048–C049","Actual issuer and instrument; private underwriting records."],["Full Title 433 rule universe","Unresolved","C047","Official accessible current chapters, docket, and adoption orders."],["Full private remedies, bond claims, bankruptcy, collections, limitations, garnishment, sectors, local and tribal law","Excluded/later passes","—","Separate authorized components."]]}],"claims":[{"claim_id":"S_NE-P05-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C001","Precise assertion":"Chapter 69 security applies only after the custody-based statutory debt-management classification is satisfied.","Source and pinpoint":"S001, §69-1201(1).","Conditions, consequences, and confidence":"High for text; indirect control, “evidences thereof,” remote nexus, and noncustodial perimeter remain held."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C002","Precise assertion":"A Chapter 69 applicant must furnish a $10,000 bond at application.","Source and pinpoint":"S001, §69-1204(3).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C003","Precise assertion":"The DMP bond is conditioned on faithful accounting for money collected on entrusted accounts.","Source and pinpoint":"S001, §69-1204(3); S003, p.1/index0.","Conditions, consequences, and confidence":"High. Not facial coverage for every service or contract dispute."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C004","Precise assertion":"The DMP bond condition includes the principal’s employees and agents.","Source and pinpoint":"S001, §69-1204(3); S003.","Conditions, consequences, and confidence":"High; independent affiliate/processor status remains fact-dependent."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C005","Precise assertion":"DMP surety liability is aggregate, not per claimant, and capped at $10,000 for claimants doing business with the bonded office.","Source and pinpoint":"S001, §69-1204(3).","Conditions, consequences, and confidence":"High. Allocation among excess claimants unresolved."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C006","Precise assertion":"The strongest statutory reading requires a separate $10,000 bond for each office.","Source and pinpoint":"S001, §§69-1204(3), 69-1206.","Conditions, consequences, and confidence":"Medium-high. Public form lacks office field; implementation held."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C007","Precise assertion":"SOS approval and filing of a good and sufficient bond are preconditions to debt-management operation.","Source and pinpoint":"S001, §69-1204(3).","Conditions, consequences, and confidence":"High. No grace period verified."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C008","Precise assertion":"DMP renewal requires a bond as on original application and a separate application for each office.","Source and pinpoint":"S001, §69-1206.","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C009","Precise assertion":"The currently linked DMP form runs from license issuance through December 31 and allows 30-day prospective cancellation notice to SOS.","Source and pinpoint":"S003, p.1/index0.","Conditions, consequences, and confidence":"High for the specimen; actual issued terms held."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C010","Precise assertion":"No statutory DMP cash-deposit, LOC, insurance, fidelity-policy, or waiver alternative was verified.","Source and pinpoint":"S001–S005; S017 gap.","Conditions, consequences, and confidence":"Partial/HOLD. Complete current Title 433 universe unavailable."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C011","Precise assertion":"DMP financial responsibility is separately investigated, but no numeric net-worth minimum was verified.","Source and pinpoint":"S001, §69-1205; S004.","Conditions, consequences, and confidence":"High for statute/form; unverified rule gap remains."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C012","Precise assertion":"A possible Chapter 69 judicial action is subject to §69-1216’s two-year-after-accrual limit.","Source and pinpoint":"S001, §69-1216.","Conditions, consequences, and confidence":"Partial. Bond-action applicability, accrual, discovery, and tolling unresolved."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C013","Precise assertion":"No complete statutory DMP proof-of-claim, priority, exhaustion, direct-action, or replenishment process was verified.","Source and pinpoint":"S001, §69-1204; S003; S018.","Conditions, consequences, and confidence":"HOLD. Actual instrument and procedural law required."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C014","Precise assertion":"DMP application, investigation, and renewal fees are government charges separate from the bond and consumer fees.","Source and pinpoint":"S001, §§69-1204(2), 69-1206.","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C015","Precise assertion":"CSO security applies only to a covered, nonexempt CSO; debt settlement does not automatically equal credit services.","Source and pinpoint":"S006, §§45-802–45-803.","Conditions, consequences, and confidence":"High for text; actual representations and exemption facts required."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C016","Precise assertion":"A covered CSO must obtain a $100,000 bond or establish a $100,000 surety account.","Source and pinpoint":"S006, §45-805(1).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C017","Precise assertion":"A CSO bond must be issued by a Nebraska-authorized surety and filed with SOS.","Source and pinpoint":"S006, §45-805(2).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C018","Precise assertion":"A CSO surety account must be at a federally insured Nebraska bank or savings and loan, with depository, trustee, and account number filed.","Source and pinpoint":"S006, §45-805(2).","Conditions, consequences, and confidence":"High. No detailed asset or interest rule verified."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C019","Precise assertion":"CSO security benefits the State and persons damaged by an Act violation.","Source and pinpoint":"S006, §45-805(3).","Conditions, consequences, and confidence":"High, subject to the §45-810 damages limitation."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C020","Precise assertion":"A claimant may bring an action against the CSO and surety/trustee, but security liability is limited to §45-810 damages.","Source and pinpoint":"S006, §45-805(4).","Conditions, consequences, and confidence":"High for wording; surety-alone joinder question unresolved."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C021","Precise assertion":"An injured buyer’s §45-810 award cannot be less than amount paid plus reasonable attorney fees and costs.","Source and pinpoint":"S006, §45-810.","Conditions, consequences, and confidence":"High. Requires proven violation, injury, timely action, and award."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C022","Precise assertion":"“Any person” claimant language in §45-805 is in tension with §45-810’s “buyer injured” damages action.","Source and pinpoint":"S006, §§45-805(3)–(4), 45-810.","Conditions, consequences, and confidence":"HOLD. No controlling decision located for nonbuyer security standing."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C023","Precise assertion":"CSO surety/trustee aggregate liability is capped at $100,000.","Source and pinpoint":"S006, §45-805(4); S008.","Conditions, consequences, and confidence":"High. No statutory allocation method for excess claims found."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C024","Precise assertion":"CSO security must remain until two years after Nebraska operations cease.","Source and pinpoint":"S006, §45-805(6).","Conditions, consequences, and confidence":"High. Exact cessation date may be fact-dependent."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C025","Precise assertion":"A CSO surety account cannot be returned to the CSO without an SOS statement indicating the two-year maintenance condition has been satisfied.","Source and pinpoint":"S006, §45-805(5)–(6).","Conditions, consequences, and confidence":"High. No public release form or decision deadline located."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C026","Precise assertion":"Before contract or payment, the buyer must receive written notice of the security right and identifying surety/account information.","Source and pinpoint":"S006, §45-807(1)(b)–(c).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C027","Precise assertion":"The CSO public bond form uses stated term dates and acceptable continuation certificates, but no public cancellation-notice term.","Source and pinpoint":"S008, p.1/index0.","Conditions, consequences, and confidence":"High for specimen; actual issued bond held."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C028","Precise assertion":"A Chapter 69 licensee is textually exempt from the CSO Act; affiliates and out-of-scope products are not automatically exempt.","Source and pinpoint":"S006, §45-803(1)(k), (2).","Conditions, consequences, and confidence":"High/conditional."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C029","Precise assertion":"A CSO contract breach or breach of an Act-contract obligation is an Act violation.","Source and pinpoint":"S006, §45-808(5).","Conditions, consequences, and confidence":"High. Security still requires §45-810 damages."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C030","Precise assertion":"§45-810 and §45-812 actions are barred four years after execution of the related services contract.","Source and pinpoint":"S006, §45-813.","Conditions, consequences, and confidence":"High. Tolling and pending-claim effects not researched."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C031","Precise assertion":"No CSO cancellation-notice period, claim priority, replenishment rule, or complete account-release procedure beyond §45-805(5) was verified.","Source and pinpoint":"S006–S009; S017–S018.","Conditions, consequences, and confidence":"Partial/HOLD."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C032","Precise assertion":"A state CSO bond/account does not override stricter federal fee timing or create a federal advance-fee exception.","Source and pinpoint":"S006, §45-804(1)–(2); preserved P1–P3 federal context.","Conditions, consequences, and confidence":"High as separation-of-law conclusion; no federal overview rerun."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C033","Precise assertion":"An independent administrator may need money-transmitter security only if it actually performs nonexempt money transmission.","Source and pinpoint":"S010, §§8-2702(22), 8-2703, 8-2715.","Conditions, consequences, and confidence":"Conditional. Entity, receipt, delegate, agency, and exemption facts required."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C034","Precise assertion":"The in-scope Chapter 69/CSO money-transmitter exemption is entity- and activity-specific.","Source and pinpoint":"S010, §8-2703(14).","Conditions, consequences, and confidence":"High. It does not automatically transfer to an affiliate or processor."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"coordinator_precision_note":"See review: literal licensed-versus-CSO-registration interpretation held; SaintJames alternative common-law reasoning also read, no categorical DMP/CSO result."},{"claim_id":"S_NE-P05-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C035","Precise assertion":"Current MT bond amount is greater of $100,000 or 100% of Nebraska ADMT liability, capped at $500,000.","Source and pinpoint":"S010, §§8-2702(4), 8-2731(2).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C036","Precise assertion":"An MT bond cancels only after 30 days’ written notice to the director, without affecting incurred or accrued liability.","Source and pinpoint":"S010, §8-2731(3).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C037","Precise assertion":"Any MT claimant may claim or sue directly; the director may act for a claimant in one or successive actions.","Source and pinpoint":"S010, §8-2731(4).","Conditions, consequences, and confidence":"High. Current instrument details and allocation remain held."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C038","Precise assertion":"MT net worth is a separate requirement calculated under §8-2730 and may be exempted in whole or part for good cause.","Source and pinpoint":"S010, §8-2730.","Conditions, consequences, and confidence":"High. The exemption authority is not stated for the bond."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C039","Precise assertion":"MT permissible investments equal to outstanding obligations are separate from the bond; a qualifying LOC is an investment, not a bond substitute.","Source and pinpoint":"S010, §§8-2732–8-2733.","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C040","Precise assertion":"Failure to maintain the MT bond may trigger notice canceling the license.","Source and pinpoint":"S010, §8-2734(4).","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C041","Precise assertion":"No separate authorized-delegate bond was verified; the delegate contract imposes a trust for the licensee and the delegate acts under the licensee’s designation.","Source and pinpoint":"S010, §8-2724.","Conditions, consequences, and confidence":"Partial. Whether a particular loss reaches the principal bond requires the current bond and contract."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C042","Precise assertion":"The 2020 order requires affected MT applicants/licensees to submit electronic bonds through NMLS and remains effective by its terms until modified or vacated.","Source and pinpoint":"S012, PDF p.3/index2.","Conditions, consequences, and confidence":"High for order text; no later modification located, but current checklist not authenticated."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C043","Precise assertion":"The July 2014 MT form is historical and cannot establish the current post-LB474 bond amount or filing procedure.","Source and pinpoint":"S013; S011–S012.","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C044","Precise assertion":"Saint James establishes only that a surety-alone action was permitted under the exact notary statute before that court.","Source and pinpoint":"S014, report pp.437–440/index18–21.","Conditions, consequences, and confidence":"High; not a CSO/DMP holding."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"coordinator_precision_note":"See review: literal licensed-versus-CSO-registration interpretation held; SaintJames alternative common-law reasoning also read, no categorical DMP/CSO result."},{"claim_id":"S_NE-P05-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C045","Precise assertion":"Echo Group states the general rule that surety liability ordinarily does not exceed the penal sum absent an extending condition, while principal liability may differ.","Source and pinpoint":"S015, report pp.743–744/index14–15.","Conditions, consequences, and confidence":"High for that case; application to DMP/CSO claims remains limited."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C046","Precise assertion":"No directly controlling Nebraska appellate DMP- or CSO-security decision was located in the bounded official search.","Source and pinpoint":"S018.","Conditions, consequences, and confidence":"Limited negative finding, not proof of absence."},"coordinator_verification_status":"researcher_bounded_negative_search_attributed_not_rerun_no_absence_conclusion","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C047","Precise assertion":"Current substantive Title 433 security rules and complete rule history remain unauthenticated.","Source and pinpoint":"S017.","Conditions, consequences, and confidence":"HOLD. No “no rule exists” conclusion."},"coordinator_verification_status":"prior_current_rule_access_failures_reused_current_substantive_universe_held","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C048","Precise assertion":"Public forms are specimens and do not establish an actual provider’s bond, surety solvency, remaining penal sum, cancellation status, or claim acceptance.","Source and pinpoint":"S002–S005, S007–S009, S012–S013.","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"claim_id":"S_NE-P05-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P05-C049","Precise assertion":"Security amount or apparent claim arithmetic does not guarantee recovery or prove fee entitlement.","Source and pinpoint":"S001, S006, S010; claim matrices.","Conditions, consequences, and confidence":"High. Validity, timing, coverage, aggregate exhaustion, and issuer solvency remain necessary."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false}],"sources":[{"source_id":"S_NE-P05-S001","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1206","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216"],"researcher_record":{"Source ID":"S_NE-P05-S001","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Debt Management Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201, §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1206, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207, subsections (1), (3); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216, complete section.","Version/effective status and access classification":"Official current codification freshly read October 25, 2026 Pacific. Source histories show enactment beginning in 1967 and later amendments; later amendment dates are not treated as first enactment of the bond.","Scope and limitations":"Controlling Chapter 69 authority. Same statutory family as earlier S_NE-P1-S001, freshly read here for security. Sections are not counted as independent instruments. \nNebraska Legislature\n+8"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S002","urls":["https://sos.nebraska.gov/licensing/debt-management-agencies"],"researcher_record":{"Source ID":"S_NE-P05-S002","Title, issuer, full literal URL, and exact pinpoint":"Debt Management Agencies, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/debt-management-agencies, displayed licensing links at body lines 94–107.","Version/effective status and access classification":"Current live agency page freshly read October 25, 2026. “Submitted” webpage metadata is not a legal effective date.","Scope and limitations":"Establishes the presently displayed public forms, not the exclusivity or issuance of an instrument. Prior alias S_NE-P1-S002. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S003","urls":["https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S003","Title, issuer, full literal URL, and exact pinpoint":"Debt Management License Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Bond.pdf, printed page 1, zero-based PDF index 0, lines 30–50.","Version/effective status and access classification":"Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S002.","Scope and limitations":"Public specimen; no actual principal, office, surety, bond number, rider, or issued instrument reviewed. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S004","urls":["https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S004","Title, issuer, full literal URL, and exact pinpoint":"Debt Management Personal/Corporate Financial Statement, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20Financial%20Statement.pdf, printed page 1, zero-based index 0, lines 30–59.","Version/effective status and access classification":"Undated one-page current agency-linked form, freshly read October 25, 2026.","Scope and limitations":"Application evidence only; not security, trust collateral, or a numeric net-worth rule. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S005","urls":["https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S005","Title, issuer, full literal URL, and exact pinpoint":"Debt Management License Application, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based index 0.","Version/effective status and access classification":"One-page agency-linked form; previously read in P1 and checked for this component’s form relationship.","Scope and limitations":"Procedure only. Statute controls amount and legal duty."},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S006","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","https://nebraskalegislature.gov/laws/statutes.php?statute=45-803","https://nebraskalegislature.gov/laws/statutes.php?statute=45-804","https://nebraskalegislature.gov/laws/statutes.php?statute=45-805","https://nebraskalegislature.gov/laws/statutes.php?statute=45-806","https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","https://nebraskalegislature.gov/laws/statutes.php?statute=45-809","https://nebraskalegislature.gov/laws/statutes.php?statute=45-810","https://nebraskalegislature.gov/laws/statutes.php?statute=45-811","https://nebraskalegislature.gov/laws/statutes.php?statute=45-812","https://nebraskalegislature.gov/laws/statutes.php?statute=45-813","https://nebraskalegislature.gov/laws/statutes.php?statute=45-814","https://nebraskalegislature.gov/laws/statutes.php?statute=45-815"],"researcher_record":{"Source ID":"S_NE-P05-S006","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Credit Services Organization Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=45-802, §45-802(1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-803, subsections (1)–(2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-804, subdivisions (1)–(2), (7)–(8); https://nebraskalegislature.gov/laws/statutes.php?statute=45-805, complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806, subsections (1), (5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-807, subsection (1)(b)–(c), (2); https://nebraskalegislature.gov/laws/statutes.php?statute=45-808, subsections (1)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815.","Version/effective status and access classification":"Official current codification freshly read October 25, 2026. §45-805 source history is 1991 LB292; §45-804 includes 2025 LB474 amendment.","Scope and limitations":"Controlling CSO security and necessary claim/remedy boundary. Same statutory family as S_NE-P1-S009; not counted as multiple independent authorities. \nNebraska Legislature\n+13"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S007","urls":["https://sos.nebraska.gov/licensing/credit-services-organizations"],"researcher_record":{"Source ID":"S_NE-P05-S007","Title, issuer, full literal URL, and exact pinpoint":"Credit Services Organizations, Nebraska Secretary of State: https://sos.nebraska.gov/licensing/credit-services-organizations, body lines 94–104.","Version/effective status and access classification":"Current live agency page freshly read October 25, 2026.","Scope and limitations":"Establishes current public links, not a provider’s status or an exclusive form universe. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S008","urls":["https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S008","Title, issuer, full literal URL, and exact pinpoint":"Credit Services Organization Bond, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Bond%20Form_0.pdf, printed page 1, zero-based index 0, lines 3–23.","Version/effective status and access classification":"Undated one-page agency-hosted specimen, freshly parsed and visually checked October 25, 2026. Currently linked from S007.","Scope and limitations":"Public specimen; no actual bond, continuation certificate, cancellation rider, or claims endorsement reviewed. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S009","urls":["https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S009","Title, issuer, full literal URL, and exact pinpoint":"Credit Services Organization Registration, Nebraska Secretary of State: https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based index 0, lines 22–40.","Version/effective status and access classification":"Undated current agency-linked form, freshly read October 25, 2026.","Scope and limitations":"Says “proper proof” of account but supplies no account-proof or release instructions. \nNebraska Secretary of State"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S010","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2703","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2715","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2724","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2730","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2732","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2734"],"researcher_record":{"Source ID":"S_NE-P05-S010","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Money Transmitters Act, Nebraska Legislature: https://nebraskalegislature.gov/laws/statutes.php?statute=8-2702, subdivisions (3), (4), (22), (25); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2703, subdivisions (1)–(3), (12)–(14), (17); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2715, subsection (2); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2724, subsections (1)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2730; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2731; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2732; https://nebraskalegislature.gov/laws/statutes.php?statute=8-2733, subsection (1)(g); https://nebraskalegislature.gov/laws/statutes.php?statute=8-2734, subsections (4)–(6).","Version/effective status and access classification":"Official current codification freshly read October 25, 2026. §8-2731 reflects 2025 LB474; §8-2703 displays July 18, 2026 operative date following 2026 LB717. That 2026 history is not treated as first enactment of every exemption concept.","Scope and limitations":"Limited administrator/processor security gateway, not a full money-transmission dossier. \nNebraska Legislature\n+9"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S011","urls":["https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters"],"researcher_record":{"Source ID":"S_NE-P05-S011","Title, issuer, full literal URL, and exact pinpoint":"Advisory: Money Transmitters, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/advisory-money-transmitters, dated June 16, 2025, bond discussion lines 68–86.","Version/effective status and access classification":"Official agency advisory; says LB474 effective October 1, 2025. Freshly read October 25, 2026.","Scope and limitations":"Operational explanation; statute remains controlling. \nNebraska Banking and Finance"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S012","urls":["https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S012","Title, issuer, full literal URL, and exact pinpoint":"Order Adopting Acceptance of Electronic Surety Bonds, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/industries/Order%20Adopting%20Acceptance%20of%20Electronic%20Surety%20Bonds_1.pdf; PDF page 1/index 0 introduction; page 2/index 1 findings 4–13; page 3/index 2 ordering clauses 1–5.","Version/effective status and access classification":"Signed December 30, 2020; effective on signature; says it remains until modified or vacated. Freshly parsed and visually inspected October 25, 2026.","Scope and limitations":"No later modifying/vacating order found in bounded search; not a certified current NMLS checklist. \nNebraska Banking and Finance\n+1"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S013","urls":["https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S013","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Money Transmitter Act Bond Form, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/sites/default/files/doc/industries/MTBond2014.pdf; printed page 1 of 2/index 0 and page 2 of 2/index 1.","Version/effective status and access classification":"Form marked “Revised 7/2014”; freshly read October 25, 2026.","Scope and limitations":"Historical only. Predates the 2020 NMLS electronic-bond order and 2025 amount formula; not used as current operative form. \nNebraska Banking and Finance"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S014","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB"],"researcher_record":{"Source ID":"S_NE-P05-S014","Title, issuer, full literal URL, and exact pinpoint":"Saint James Apartment Partners, LLC v. Universal Surety Co., 316 Neb. 419 (2024), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewAdvanced?docId=N00010953PUB; Nebraska Reports pp. 437–440, zero-based PDF indices 18–21.","Version/effective status and access classification":"Published Nebraska Supreme Court opinion, freshly read October 25, 2026.","Scope and limitations":"Notary-bond case. Used only for statute-specific joinder/direct-action caution, not as a DMP/CSO holding. \nNebraska.gov"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S015","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB"],"researcher_record":{"Source ID":"S_NE-P05-S015","Title, issuer, full literal URL, and exact pinpoint":"Echo Group, Inc. v. Tradesmen International, 312 Neb. 729 (2022), Nebraska Supreme Court: https://www.nebraska.gov/apps-courts-epub/public/viewOpinion?docId=N00008962PUB; Nebraska Reports pp. 743–744, zero-based PDF indices 14–15.","Version/effective status and access classification":"Published Nebraska Supreme Court opinion, freshly read October 25, 2026.","Scope and limitations":"Construction-lien bond case. Used only for the general penal-sum/principal-liability distinction. \nNebraska.gov"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S016","urls":["https://ndbf.nebraska.gov/about/news-publications/sigue-settlement"],"researcher_record":{"Source ID":"S_NE-P05-S016","Title, issuer, full literal URL, and exact pinpoint":"Sigue Settlement, Nebraska Department of Banking and Finance: https://ndbf.nebraska.gov/about/news-publications/sigue-settlement, dated March 21, 2025, body lines 68–74.","Version/effective status and access classification":"Official agency settlement announcement, freshly read October 25, 2026.","Scope and limitations":"Specific money-transmitter enforcement example; not a general bond-claim procedure or DMP/CSO authority. \nNebraska Banking and Finance"},"coordinator_verification_status":"scoped_primary_core_supported_with_explicit_interpretation_currentness_and_instrument_holds","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S017","urls":["https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents","https://rules.nebraska.gov/rules?agencyId=61&titleId=201","https://rules.nebraska.gov/docket","https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf"],"researcher_record":{"Source ID":"S_NE-P05-S017","Title, issuer, full literal URL, and exact pinpoint":"Preserved Title 433 routes: https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; https://rules.nebraska.gov/rules?agencyId=61&titleId=201; https://rules.nebraska.gov/docket; https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf.","Version/effective status and access classification":"PASS-02 access history preserved: Title 433 index identified; dynamic catalog returned a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document extraction/view histories remain separately attributed. Not rerun in PASS-05.","Scope and limitations":"No complete current substantive Title 433 bond, insurance, fidelity, adjustment, claim, or release universe authenticated."},"coordinator_verification_status":"prior_access_history_reused_current_substantive_rules_held","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"source_id":"S_NE-P05-S018","urls":["https://www.nebraska.gov/apps-courts-epub/"],"researcher_record":{"Source ID":"S_NE-P05-S018","Title, issuer, full literal URL, and exact pinpoint":"Bounded official-domain decision/order search: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature, Secretary of State, Attorney General, and NDBF searches for §§69-1204, 45-805, debt-management bond, CSO surety account, direct action, and bond claim.","Version/effective status and access classification":"Search-only research conducted October 25, 2026.","Scope and limitations":"No on-point controlling DMP or CSO security decision located. Not an exhaustive commercial citator, trial docket, administrative file, surety-claim database, or records request."},"coordinator_verification_status":"researcher_bounded_negative_search_not_rerun_no_absence_conclusion","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false}],"coverage":[{"topic":"Chapter 69 bond trigger","researcher_record":{"Security issue":"Chapter 69 bond trigger","Status":"Answered conditionally","Claim IDs":"C001–C002","Exact missing evidence or next action":"Apply only after final model classification and entity facts."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP bond amount","researcher_record":{"Security issue":"DMP bond amount","Status":"Answered","Claim IDs":"C002","Exact missing evidence or next action":"No further action for statutory amount."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP covered obligation","researcher_record":{"Security issue":"DMP covered obligation","Status":"Answered textually","Claim IDs":"C003–C004","Exact missing evidence or next action":"Actual loss, entrusted account, employee/agent relationship, and bond terms."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP office-specific bond","researcher_record":{"Security issue":"DMP office-specific bond","Status":"Strong textual answer; implementation partial","Claim IDs":"C005–C006","Exact missing evidence or next action":"Actual branch bond/rider practice or formal SOS instruction."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP obligee/beneficiary","researcher_record":{"Security issue":"DMP obligee/beneficiary","Status":"Answered in statute/form; standing partial","Claim IDs":"C003, C013","Exact missing evidence or next action":"Controlling direct-action case or actual instrument."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP initial filing","researcher_record":{"Security issue":"DMP initial filing","Status":"Answered","Claim IDs":"C007","Exact missing evidence or next action":"Actual approval/filing for named provider excluded."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP renewal","researcher_record":{"Security issue":"DMP renewal","Status":"Answered","Claim IDs":"C008","Exact missing evidence or next action":"Exact continuation process and current agency checklist."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP cancellation notice","researcher_record":{"Security issue":"DMP cancellation notice","Status":"Answered from public form","Claim IDs":"C009","Exact missing evidence or next action":"Actual bond/rider and proof of SOS receipt."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP cancellation survival","researcher_record":{"Security issue":"DMP cancellation survival","Status":"Answered only as prospective form language","Claim IDs":"C009, C012","Exact missing evidence or next action":"Accrual, tail, proof-of-loss, and limitation decision."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP replacement grace","researcher_record":{"Security issue":"DMP replacement grace","Status":"Not verified","Claim IDs":"C007, C009","Exact missing evidence or next action":"Rule, formal guidance, or issued bond requirement."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP alternative deposit/LOC","researcher_record":{"Security issue":"DMP alternative deposit/LOC","Status":"Not verified","Claim IDs":"C010","Exact missing evidence or next action":"Complete current Title 433 and formal SOS authority."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP fidelity/E&O/insurance requirement","researcher_record":{"Security issue":"DMP fidelity/E&O/insurance requirement","Status":"Not verified","Claim IDs":"C010","Exact missing evidence or next action":"Complete current rules and any applicable sector-specific law."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP financial responsibility","researcher_record":{"Security issue":"DMP financial responsibility","Status":"Answered qualitatively","Claim IDs":"C011","Exact missing evidence or next action":"Numeric standard, if any, in unverified rules or adjudications."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP claim procedure","researcher_record":{"Security issue":"DMP claim procedure","Status":"Unresolved","Claim IDs":"C013","Exact missing evidence or next action":"Actual bond, surety instructions, procedural statutes, cases."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP claim limitation","researcher_record":{"Security issue":"DMP claim limitation","Status":"Partial","Claim IDs":"C012","Exact missing evidence or next action":"Controlling interpretation of §69-1216 and accrual."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP claim allocation/priority","researcher_record":{"Security issue":"DMP claim allocation/priority","Status":"Unresolved","Claim IDs":"C005, C013","Exact missing evidence or next action":"Court order, surety interpleader, statute, or instrument."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP replenishment after claim","researcher_record":{"Security issue":"DMP replenishment after claim","Status":"Unresolved","Claim IDs":"C013","Exact missing evidence or next action":"Rule, form rider, agency order, or case."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"DMP principal liability beyond bond","researcher_record":{"Security issue":"DMP principal liability beyond bond","Status":"Excluded except distinction","Claim IDs":"C045","Exact missing evidence or next action":"Full private-remedies pass."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO security trigger","researcher_record":{"Security issue":"CSO security trigger","Status":"Answered conditionally","Claim IDs":"C015–C016","Exact missing evidence or next action":"Actual services, representations, entity, and exemption proof."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO bond amount","researcher_record":{"Security issue":"CSO bond amount","Status":"Answered","Claim IDs":"C016","Exact missing evidence or next action":"None for statutory amount."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO account alternative","researcher_record":{"Security issue":"CSO account alternative","Status":"Answered textually","Claim IDs":"C018","Exact missing evidence or next action":"Actual trustee/depository agreement and proof form."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO account assets/interest/setoff","researcher_record":{"Security issue":"CSO account assets/interest/setoff","Status":"Unresolved","Claim IDs":"C018, C031","Exact missing evidence or next action":"Account agreement, current rules, trust/property law."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO beneficiaries","researcher_record":{"Security issue":"CSO beneficiaries","Status":"Answered with standing tension","Claim IDs":"C019, C022","Exact missing evidence or next action":"Controlling interpretation of “any person” versus “buyer.”"},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO covered damages","researcher_record":{"Security issue":"CSO covered damages","Status":"Answered","Claim IDs":"C020–C021, C029","Exact missing evidence or next action":"Final judgment and actual violation/injury facts."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO direct action/joinder","researcher_record":{"Security issue":"CSO direct action/joinder","Status":"Unresolved","Claim IDs":"C020, C044","Exact missing evidence or next action":"CSO-specific controlling case or procedural ruling."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO aggregate cap","researcher_record":{"Security issue":"CSO aggregate cap","Status":"Answered","Claim IDs":"C023","Exact missing evidence or next action":"Claim allocation and remaining balance still needed."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO multiple-claim priority","researcher_record":{"Security issue":"CSO multiple-claim priority","Status":"Unresolved","Claim IDs":"C023, C031","Exact missing evidence or next action":"Statute, rule, trustee instructions, interpleader order, or case."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO two-year tail","researcher_record":{"Security issue":"CSO two-year tail","Status":"Answered","Claim IDs":"C024","Exact missing evidence or next action":"Actual cessation date and effect of pending claims."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO account release","researcher_record":{"Security issue":"CSO account release","Status":"Answered in part","Claim IDs":"C025","Exact missing evidence or next action":"SOS application, evidentiary standard, timeline, and issued statement."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO bond release","researcher_record":{"Security issue":"CSO bond release","Status":"Unresolved beyond tail","Claim IDs":"C024, C027","Exact missing evidence or next action":"Actual bond, continuation certificate, surety release procedure."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO cancellation notice","researcher_record":{"Security issue":"CSO cancellation notice","Status":"Not verified","Claim IDs":"C027, C031","Exact missing evidence or next action":"Actual bond/rider or formal rule."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO replenishment","researcher_record":{"Security issue":"CSO replenishment","Status":"Unresolved","Claim IDs":"C031","Exact missing evidence or next action":"Formal interpretation, account agreement, or case."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO buyer disclosure","researcher_record":{"Security issue":"CSO buyer disclosure","Status":"Answered","Claim IDs":"C026","Exact missing evidence or next action":"Actual disclosure and signed copy excluded."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO four-year action limit","researcher_record":{"Security issue":"CSO four-year action limit","Status":"Answered textually","Claim IDs":"C030","Exact missing evidence or next action":"Tolling, accrual alternatives, and pending-claim effects later."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"CSO federal advance-fee effect","researcher_record":{"Security issue":"CSO federal advance-fee effect","Status":"Answered as no override","Claim IDs":"C032","Exact missing evidence or next action":"Actual federal coverage and sales facts remain prior holds."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Chapter 69 licensee CSO exemption","researcher_record":{"Security issue":"Chapter 69 licensee CSO exemption","Status":"Answered conditionally","Claim IDs":"C028","Exact missing evidence or next action":"Same legal entity and in-scope activity proof."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Independent administrator MT gateway","researcher_record":{"Security issue":"Independent administrator MT gateway","Status":"Answered conditionally","Claim IDs":"C033–C034","Exact missing evidence or next action":"Entity, receipt, payee, delegate, bank, and loss-allocation agreements."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT current bond formula","researcher_record":{"Security issue":"MT current bond formula","Status":"Answered","Claim IDs":"C035","Exact missing evidence or next action":"Current entity ADMT data."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT bond adjustment frequency","researcher_record":{"Security issue":"MT bond adjustment frequency","Status":"Answered formulaically; procedure partial","Claim IDs":"C035","Exact missing evidence or next action":"Current NMLS checklist/reporting process."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT electronic bond filing","researcher_record":{"Security issue":"MT electronic bond filing","Status":"Answered from 2020 order with currentness limit","Claim IDs":"C042","Exact missing evidence or next action":"Current NMLS state checklist and any later order."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT current bond form","researcher_record":{"Security issue":"MT current bond form","Status":"Unresolved","Claim IDs":"C042–C043","Exact missing evidence or next action":"Current NMLS electronic bond and riders."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT bond cancellation","researcher_record":{"Security issue":"MT bond cancellation","Status":"Answered","Claim IDs":"C036","Exact missing evidence or next action":"Actual notice date and replacement instrument."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT direct claims","researcher_record":{"Security issue":"MT direct claims","Status":"Answered textually","Claim IDs":"C037","Exact missing evidence or next action":"Current bond form, proof requirements, limitations, allocation."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT net worth","researcher_record":{"Security issue":"MT net worth","Status":"Answered","Claim IDs":"C038","Exact missing evidence or next action":"Actual financial statements and Director exemption, if any."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT permissible investments","researcher_record":{"Security issue":"MT permissible investments","Status":"Answered at security boundary","Claim IDs":"C039","Exact missing evidence or next action":"Actual asset schedule, valuation, and order limits."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT LOC nonextension/draw","researcher_record":{"Security issue":"MT LOC nonextension/draw","Status":"Answered textually","Claim IDs":"C039","Exact missing evidence or next action":"Actual LOC and Director action."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT authorized delegate security","researcher_record":{"Security issue":"MT authorized delegate security","Status":"Partial","Claim IDs":"C041","Exact missing evidence or next action":"Current principal bond and delegate contract."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"MT claim allocation/replenishment","researcher_record":{"Security issue":"MT claim allocation/replenishment","Status":"Unresolved","Claim IDs":"C037","Exact missing evidence or next action":"Current ESB, regulations, orders, or insolvency proceeding."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Named-provider security status","researcher_record":{"Security issue":"Named-provider security status","Status":"Not performed","Claim IDs":"C048","Exact missing evidence or next action":"Exact entity, office, bond/account number, surety/trustee, and requested status date."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Surety solvency and policy exclusions","researcher_record":{"Security issue":"Surety solvency and policy exclusions","Status":"Not performed","Claim IDs":"C048–C049","Exact missing evidence or next action":"Actual issuer and instrument; private underwriting records."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Full Title 433 rule universe","researcher_record":{"Security issue":"Full Title 433 rule universe","Status":"Unresolved","Claim IDs":"C047","Exact missing evidence or next action":"Official accessible current chapters, docket, and adoption orders."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false},{"topic":"Full private remedies, bond claims, bankruptcy, collections, limitations, garnishment, sectors, local and tribal law","researcher_record":{"Security issue":"Full private remedies, bond claims, bankruptcy, collections, limitations, garnishment, sectors, local and tribal law","Status":"Excluded/later passes","Claim IDs":"—","Exact missing evidence or next action":"Separate authorized components."},"coordinator_acceptance":"checked_core_reviewed_with_current_rule_instrument_case_interpretation_and_actual_fact_holds_not_component_acceptance","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}