{"meta":{"key":"s_ne--pass-06","task":"S_NE","title":"SNE Nebraska mandatory agreement, disclosure, and execution component","parent_title":"Nebraska debt and debt relief law","edition":"pass-06","path":"/research/s_ne--pass-06/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":11,"claims":57,"sources":13,"review_status":"accepted_with_limits_checked_core_two_bounded_followups_resolved","review_complete":true,"sha256":"4d2d4b96d0e7ac68d8a33c03f9977b90cc16f9b4af57ea4dcf035ce2aca148f4","headings":["Executive determination","B1. Pre-acceptance suitability","B2. Mandatory DMP contract clauses","B3. Signature and assent","B4. Immediate true copy","B5. Contract effectiveness","B6. Regulator filing of the blank form","B7. Assignment and provider changes","C1. Precontract disclosure timing","C2. State disclosure contents","C3. The stale 30-day FCRA wording","C4. Mandatory CSO contract terms","C5. State cancellation sequence","C6. Waiver and releases","C7. Amendments, debt changes, and assignment","E1. Nebraska UETA conditions","E2. Federal E-SIGN consumer consent","E3. What an electronic workflow must preserve","E4. Electronic CSO cancellation forms","E5. Email or portal cancellation","F1. Nebraska arbitration notice","F2. FAA preemption","F3. CROA arbitration","F4. Nebraska CSO nonwaiver boundary","Example 1 — Paper Chapter 69 enrollment workflow","Example 2 — Blank creditor fields at signature","Example 3 — Adding a debt after enrollment","Example 4 — Nebraska CSO state cancellation without calendar assumptions","Example 5 — Nebraska CSO plus federal CROA","Example 6 — Electronic CSO execution with retainable records","Example 7 — Portal display that blocks saving","Example 8 — Cancellation email sent before midnight","Example 9 — Stale Nebraska/FCRA disclosure template","Example 10 — Standardized sole-remedy arbitration clause","Freshly read in PASS-06","Reused only as attributed prior history","Failed, limited, or unresolved routes","Not read or 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-06","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"ExactreviewedP1remaining mandatoryagreement/disclosure/execution gap independentofunreviewedfunds/security","pending_corrections":0},"markdown":"# S_NE PASS-06 — Nebraska mandatory agreement, disclosure, and execution component\n\n**Actual fresh research date:** October 26, 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 mandatory agreement content, precontract disclosures, execution, copies, electronic assent, cancellation notices, contract changes, assignment, waiver, and the narrow arbitration/choice-of-law boundary. PASS-04 funds and PASS-05 security remain saved but unreviewed and are not accepted or relied upon here for their new findings. Prior fee, federal TSR, funds, bond, and Title 433 qualifications remain unchanged.\n\n## Executive determination\n\nNebraska’s two potentially relevant agreement regimes are materially different:\n\n1. **Licensed Chapter 69 debt management** has a short but mandatory agreement architecture. Before accepting the account, the licensee needs a written, thorough budget analysis showing that the debtor can reasonably make the required payments. The contract must be written, fully completed before execution, list all adjusted obligations and creditors, state total charges and beginning/expiration dates, stay within 36 months, clearly state the cancellation/prepayment settlement, and be copied to the debtor immediately. The program must be arranged and approved by the debtor, and the contract does not become effective until the debtor makes a payment to the licensee for creditor distribution. Nebraska requires the blank contract form to be filed with the Secretary of State and form changes reported within 30 days, but filing is not statutory approval of the contract. [Nebraska Legislature+4](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n2. **A covered Nebraska credit-services organization**, when no exemption is proved, faces much more prescriptive requirements. Before contract execution or receipt of value, it must provide a written disclosure statement with detailed services, total cost, bond/account rights, credit-report rights, dispute rights, obsolescence information, and nonprofit-counseling availability. It must retain an exact buyer-signed acknowledgment for two years. The contract must be written, dated, signed by the buyer, contain specific payment, service, duration, address, refund-promise, and cancellation language, and have two detachable cancellation notices attached. The buyer receives all signed documents when signed. State cancellation lasts three **days**, and any payment must be returned within ten days after the provider receives timely cancellation notice. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n3. Nebraska’s 1991 CSO disclosure text contains an outdated description of federal credit-report rights: it refers to a 30-day post-denial free-report period and a charge at other times. Current FCRA text provides a 60-day post-adverse-notice free-report period and an annual free disclosure. A form that merely copies the old Nebraska language cannot safely be treated as the complete and accurate current federal-rights disclosure separately required by §45-807. No formal Nebraska reconciliation was located. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n4. Electronic formation is legally possible, but an email, click, typed name, or portal checkbox is not automatically enough. Nebraska UETA requires agreement to transact electronically, intent and attribution, a retainable record, and preservation of any prescribed method or format. When federal E-SIGN’s consumer-disclosure provisions apply, the provider also needs affirmative electronic consent after disclosures about paper options, consent scope, withdrawal, contact updates, copies, fees, and hardware/software, plus an electronic process reasonably demonstrating access. Neither statute cures omitted agreement terms, a blank creditor list, missing cancellation forms, or untimely delivery. [Nebraska Legislature+7](https://nebraskalegislature.gov/laws/statutes.php?statute=86-632)\n5. Neither Chapter 69 nor the CSO Act categorically prohibits arbitration. Under Nebraska law, a standardized agreement making binding arbitration the sole remedy ordinarily needs the special arbitration notice adjoining the signature block. Nebraska’s Supreme Court held that the Federal Arbitration Act preempts that special notice when the agreement involves interstate commerce. The U.S. Supreme Court separately held that CROA does not categorically bar arbitration. Actual formation, commerce, voluntariness, nonwaiver, remedy preservation, and clause terms remain contract-specific. [Nebraska Legislature+5](https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01)\n6. The current public Nebraska regulator pages link applications, security forms, rosters, and statutes, but no public model DMP agreement, CSO consumer disclosure, cancellation packet, electronic-consent form, or contract-approval letter was located. The DMP application confirms that blank contract forms and later form changes are filed. The CSO registration form does not function as a consumer-contract checklist. The incomplete Title 433 record remains an express current-rule gap, not a finding that no supplemental rule exists. [Nebraska Secretary of State+3](https://sos.nebraska.gov/licensing/debt-management-agencies)\n\n# A. Model-by-agreement matrix\n\n| Model | Governing agreement path established in this pass | Pre-agreement requirement | Execution/effectiveness | Result and principal hold |\n| --- | --- | --- | --- | --- |\n| **Licensed custodial Chapter 69 DMP** | Written Chapter 69 contract | Written, thorough budget analysis must indicate the debtor can reasonably meet required payments | Contract must be fully completed; debtor approval required; true copy furnished immediately; not effective until payment to licensee for creditor distribution | **Agreement path established.** Debtor signature is contemplated by §69-1214, but Chapter 69 does not separately prescribe signature mechanics or a provider signature. C001–C013 |\n| **Custodial compromise/settlement performed by Chapter 69 licensee** | Same Chapter 69 contract architecture | Same suitability analysis; compromised debts and creditors must remain accurately listed | Same approval/effectiveness sequence | **Conditional established path.** Prior classification and fee holds remain. |\n| **Genuinely noncustodial negotiation-only service** | Chapter 69 contract duties do not plainly attach unless the custody/“evidences thereof” element is met | No alternative Nebraska settlement-agreement statute was established here | Actual service legality and agreement requirements under other law remain open | **No affirmative agreement pathway established.** Account/control classification remains held. |\n| **Fee-based counseling without receiving creditor-distribution money** | May be outside Chapter 69; may enter CSO Act if paid credit-improvement, credit-obtaining, or related-advice representations are made | Depends on actual representations and exemption | CSO agreement package applies only if covered and nonexempt | **Conditional classification.** A counseling label is not dispositive. |\n| **Covered Nebraska CSO—credit improvement/advice** | §§45-807 and 45-808 disclosure-and-contract package | Written disclosure before contract or receipt of value; buyer-signed acknowledgment retained two years | Written, dated, buyer-signed contract; cancellation notice near signature; two detachable forms; copies at signing | **Prescriptive state path established.** C018–C032 |\n| **Covered Nebraska CSO—obtaining credit** | Same agreement package | Same disclosures | Same contract rules; prior fee-timing restriction remains separate | **Conditional path.** The agreement does not authorize advance payment. |\n| **Chapter 69 licensee offering only in-scope DMP services** | Chapter 69 contract; CSO exemption text may prevent duplicate state CSO package | Same Chapter 69 budget/contract path | Same Chapter 69 effectiveness | **Conditional.** The exemption belongs to the licensed person and does not automatically cover an affiliate or separate out-of-scope credit-repair product. |\n| **Hybrid entity selling DMP plus separately marketed credit repair** | Potentially both regimes unless the exact entity/activity is exempt | Activity-by-activity classification | Separate documents may be required; one generic “financial services agreement” is not proven sufficient | **Held.** Actual legal entity, representations, services, and exemption evidence required. |\n| **Attorney, nonprofit, bank, collection agency, or affiliate model** | Exemption only if every statutory element and scope condition is proved | Label or relationship alone insufficient | Any nonexempt activity retains applicable agreement duties | **Conditional only.** CSO claimant bears exemption burden; Chapter 69 regular-course conditions remain. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802) |\n| **Remote/electronic DMP or CSO enrollment** | Same substantive agreement requirements plus UETA and potentially E-SIGN | Electronic-consent and access conditions may apply | Electronic signature/record possible if intent, attribution, retention, format, delivery, and consent requirements are met | **Conditional.** Remote headquarters and electronic form do not eliminate Nebraska duties. |\n\n# B. Chapter 69 agreement requirements\n\n## B1. Pre-acceptance suitability\n\nA Chapter 69 licensee may not accept an account unless a **written and thorough budget analysis** indicates that the debtor can reasonably meet the payments required by that budget analysis. This is a suitability gate, not merely a recordkeeping suggestion. The reviewed statute does not specify:\n\n- mandatory budget categories;\n- income-verification documents;\n- household-expense assumptions;\n- debt-to-income thresholds;\n- who must prepare or sign the analysis;\n- whether the debtor must receive a copy;\n- whether creditor acceptance must already exist;\n- how often the analysis must be updated; or\n- a separate educational or counseling curriculum. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213)\n\nNo current authenticated Title 433 rule was available to fill those details. Therefore, “thorough” and “reasonably meet” remain fact-dependent standards rather than verified numeric tests.\n\n## B2. Mandatory DMP contract clauses\n\n| Clause or subject | What Chapter 69 affirmatively requires | What was **not** established |\n| --- | --- | --- |\n| Parties | Written contract between the licensee and debtor | No prescribed provider-name, license-number, telephone, email, or complaint-contact clause |\n| Adjusted obligations | Complete list of debtor obligations to be adjusted | No statutory formatting, balance-date, account-number, or secured/unsecured label requirement |\n| Creditors | Complete list of creditors holding those obligations | No express creditor address, contact, refusal, acceptance, or participation-status disclosure |\n| Services | Agreement must constitute the debt-management arrangement; complete contract required | No detailed statutory service-description clause comparable to the CSO Act |\n| Charges | Total charges agreed for licensee’s services; applicable fee and cancellation/prepayment terms | Prior fee amount, earning, initial-payment, and cancellation-characterization holds remain unchanged |\n| Contract dates | Beginning and expiration dates | No separate milestone or creditor-payment schedule requirement |\n| Term | No longer than 36 months | No verified automatic extension or renewal authority |\n| Cancellation/prepayment | Settlement provision clearly stated | No Chapter 69 statutory cooling-off period, detachable form, notice method, or refund deadline verified |\n| Debtor approval | Program must be arranged and approved by debtor before fee entitlement | No statutory approval form or prescribed wording |\n| Effectiveness | No effectiveness until debtor payment to licensee for creditor distribution | Formation, signature, approval, and effectiveness are distinct events |\n| Copy | True copy furnished immediately | No statutory definition of “immediately” or express paper-only requirement |\n| Completion before signing | Contract/agreement to be signed by debtor must be fully and completely filled in and finished | Later backfilling of blanks is not authorized |\n| Statements/access | Requested 90-day written statement or verbal accounting is a statutory duty | Statute does not say this right must appear in the contract |\n| Records | Contract, extensions, payments, disbursements, and charges retained as separately prescribed | Full retention analysis remains with the separate funds pass |\n| Complaints | None verified as mandatory agreement language | No required SOS/AG complaint notice or internal dispute process found |\n| Account/third parties | None verified as mandatory agreement language | No required contract term on bank, administrator, processor, ACH authority, account ownership, or creditor-control rights found |\n| Risk warnings | None verified | No mandatory warning on credit effects, creditor lawsuits, tax effects, collection activity, creditor nonparticipation, or program failure found |\n| Language/readability | None generally prescribed | No translation, language-selection, reading-grade, font-size, or plain-language standard verified |\n| Arbitration/choice of law | No Chapter 69-specific clause required or prohibited | General arbitration and contract law apply; actual clause remains held |\n\nThe mandatory DMP provisions appear principally in §§69-1209, 69-1212, 69-1213, and 69-1214. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209)\n\n## B3. Signature and assent\n\nChapter 69 does not contain the same direct formulation as the CSO Act—“written, dated, and signed by the buyer.” It nevertheless:\n\n- requires a written contract between licensee and debtor;\n- prohibits execution of a contract “to be signed by the debtor” unless fully completed;\n- requires debtor approval of the arranged program; and\n- delays effectiveness until the creditor-distribution payment.\n\nThe better bounded conclusion is:\n\nA debtor signature is strongly contemplated, and assent and approval must be provable, but the reviewed Chapter 69 text does not separately prescribe a signature block, provider signature, witness, notarization, date of signature, or specific signature method.\n\nAn electronic signature can potentially satisfy any signature requirement, but only through the UETA/E-SIGN conditions addressed below.\n\n## B4. Immediate true copy\n\nThe licensee must “immediately” furnish a true copy of the contract. A copy supplied only after the first creditor payment, after a cooling-off period, or on later request would not satisfy the ordinary sequence of the statute unless another authority established otherwise.\n\nFor electronic delivery, the record must at minimum:\n\n- accurately reflect the completed agreement;\n- be capable of retention by the debtor at receipt;\n- not block printing or storage; and\n- remain reproducible where retention is required.\n\nA transient browser display or portal screen that cannot be saved or printed is not enough under Nebraska UETA. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209)\n\n## B5. Contract effectiveness\n\nThe statute separates several stages:\n\nPlain text\n```\nBudget analysis supports ability to pay\n        ↓\nProgram arranged\n        ↓\nDebtor approves program\n        ↓\nCompleted written contract furnished\n        ↓\nDebtor makes payment to licensee for creditor distribution\n        ↓\nContract becomes effective\n```\n\nThe statutory creditor-distribution payment is not interchangeable with:\n\n- a signature alone;\n- an electronic-consent checkbox;\n- a provider fee;\n- a deposit into an account not shown to be received by the licensee for creditor distribution; or\n- an unenforced promise to fund later.\n\nWhich modern payment structure satisfies that condition remains tied to the unresolved custody and account-control questions.\n\n## B6. Regulator filing of the blank form\n\nAt licensing, the applicant supplies a blank copy of the contract intended for use. The licensee must notify the Secretary of State of all changes and amendments to that form within 30 days after the changes or amendments. The current public application repeats this instruction. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204)\n\nThat requirement does **not** establish:\n\n- advance approval;\n- substantive review;\n- a safe harbor;\n- that the form complies with federal law;\n- that a filed arbitration clause is enforceable;\n- that individual debtor modifications need not be documented; or\n- that the Secretary approved any particular provider’s actual signed contract.\n\nA material distinction must be preserved:\n\n- **Template/form change:** triggers the 30-day Secretary notice requirement.\n- **Individual-account change**, such as adding or removing a debt without changing the form template: must leave the operative agreement and records accurate, but the exact state amendment, signature, and copy procedure was not specified.\n\n## B7. Assignment and provider changes\n\nA Chapter 69 license is nontransferable and nonassignable. That is not textually the same as a categorical prohibition on assigning a consumer contract. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207)\n\nNo reviewed provision resolves whether a consumer contract may be assigned when:\n\n- the assignee is another licensed debt manager;\n- servicing changes but the contracting entity remains;\n- an affiliate takes over;\n- the original provider closes;\n- the consumer objects; or\n- debts, fees, payment instructions, or account authority change.\n\nAn assignment cannot itself transfer the assignor’s license. Any substituted provider must independently satisfy applicable licensing and agreement requirements. Contract assignment, novation, consumer consent, continuing liability, and records transfer remain held.\n\n# C. Nebraska CSO disclosure and contract architecture\n\n## C1. Precontract disclosure timing\n\nBefore either:\n\n1. executing a contract or agreement with the buyer; **or**\n2. receiving money or other valuable consideration,\n\na covered CSO must give the buyer the written disclosure statement. Thus, delivering it inside a completed contract only after the buyer signs would be too late. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n\nNebraska does not expressly say the state disclosure must be a document separate from every other writing. Federal CROA, when applicable, does require its disclosure to be separate from the contract and all other written material. A combined state/federal packet therefore must preserve the federal separation requirement rather than assuming one merged contract paragraph is enough. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679c/)\n\n## C2. State disclosure contents\n\n| Required disclosure subject | Nebraska requirement | Precision or currentness issue |\n| --- | --- | --- |\n| Services | Complete and detailed description | Must precede contract/payment |\n| Total cost | Total cost of the services | Not merely a percentage or example |\n| Security claim | Explanation of buyer’s right to proceed against bond or surety account | Does not guarantee recovery |\n| Security identity | Surety name/address or depository, trustee, and account number | Actual security must be used |\n| FCRA file review | Complete and accurate statement of right to review CRA file | Must reflect current federal law |\n| Post-denial report | State statute says no-charge review upon request within 30 days after denial notice | Current FCRA uses 60 days |\n| Other report charges | State statute says minimal charge at other times | Current FCRA also provides annual free disclosure and other free categories |\n| Dispute rights | Complete and accurate direct-dispute statement | Must not imply the provider is required to exercise the right for the buyer |\n| Accurate information | Accurate information cannot be permanently removed | Must not be contradicted by marketing promises |\n| Obsolescence | Complete and accurate statement of when information becomes obsolete and may not be reported | Must be current and fact-specific |\n| Nonprofit counseling | Complete and accurate statement of availability | No mandated list or referral organization identified |\n\nThe CSO retains an **exact copy** signed by the buyer acknowledging receipt for two years after the statement was provided. Because the CSO requires that acknowledgment to be signed, §45-808(4) also supports giving the buyer a copy at signing as one of the other documents the organization required the buyer to sign. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n\n## C3. The stale 30-day FCRA wording\n\nNebraska §45-807 was enacted in 1991 and still says the buyer’s file is available without charge if requested within 30 days after denial notice and for a minimal charge at other times. Federal amendment history shows that the pre-1996 FCRA used a 30-day formulation. Current FCRA instead provides:\n\n- one free annual disclosure through the statutory centralized process;\n- a free disclosure if requested within 60 days after an adverse-action notification; and\n- other free-report categories. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n\nThis creates an operational drafting problem:\n\n- Repeating only the old state sentence omits current federal rights.\n- Silently substituting a wholly different statement risks failing the state-specific item.\n- Section 45-807 separately requires a “complete and accurate” statement of FCRA review rights.\n\nNo current Nebraska model disclosure, interpretation, rule, or order reconciling the wording was located. The defensible research conclusion is to **hold exact final language for a current legal drafting review**, while recognizing that a 1991-only disclosure should not be treated as complete current FCRA compliance.\n\n## C4. Mandatory CSO contract terms\n\n| Contract element | Exact state requirement | Important limit |\n| --- | --- | --- |\n| Form | Written and dated | Electronic form is possible only through UETA/E-SIGN |\n| Signature | Signed by buyer | No express provider-signature requirement |\n| Cancellation statement | Conspicuous; immediately adjacent to buyer signature space; exact statutory substance | Electronic layout must preserve proximity and conspicuousness |\n| Payment terms | Terms and conditions plus total of all payments to CSO **or any other person** | Does not itself authorize payment timing |\n| Services | Full and detailed description | Generic “credit assistance” is insufficient |\n| Guarantees | All guarantees included | False/misleading guarantees separately prohibited |\n| Refund promises | All promises of full or partial refund included | A promise cannot reduce statutory cancellation rights |\n| Performance estimate | Estimated duration, not exceeding 180 days | No located decision establishes every consequence of exceeding the estimate |\n| Provider address | Principal business address | Remote location does not eliminate Nebraska requirements |\n| Service agent | Name/address of Nebraska agent for service | Must reflect actual agent |\n| Cancellation forms | Two easily detachable copies attached; bold statutory form | Electronic equivalent remains unresolved |\n| Consumer copies | Completed contract and every other signed document given when signed | Later portal availability is not automatically equivalent |\n| Breach | Contract breach or breach of a contract obligation is an Act violation | May trigger statutory remedies; full remedies are later work |\n\nThese requirements appear in §45-808. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808)\n\n## C5. State cancellation sequence\n\nNebraska’s state-only sequence is:\n\nPlain text\n```\nContract signed on event date S\n        ↓\nBuyer may cancel before midnight of the third day after S\n        ↓\nBuyer mails or delivers:\n    • signed, dated statutory form; or\n    • other written notice\n        ↓\nCSO receives cancellation notice on event date R\n        ↓\nAny payment made under the contract returned within 10 days after R\n```\n\nThe statute says **days**, not business days. It does not provide, in the reviewed text:\n\n- a weekend/holiday extension rule;\n- a statutory email address;\n- portal cancellation;\n- a received-versus-sent rule beyond “mail or deliver” by the displayed deadline;\n- certified-mail requirement;\n- a service pause during the state three-day period; or\n- permission to deduct an enrollment, cancellation, administrative, or earned fee from the state-required return. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808)\n\nNo concrete calendar date is supplied here because no Nebraska counting, weekend, or holiday rule was established for this provision in this pass.\n\n## C6. Waiver and releases\n\nA CSO may not attempt to cause a buyer to waive a right under the Act, and a purported waiver is void. This covers contract language, releases, acknowledgments, and amendment clauses to the extent they purport to surrender an Act right. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-809)\n\nThe antiwaiver provision does not automatically answer every question about:\n\n- settlement of an accrued dispute;\n- arbitration;\n- forum selection;\n- class procedures;\n- releases executed after litigation;\n- severability; or\n- choice of law.\n\nThose issues depend on the actual clause, timing, federal law, and whether a substantive Act right is eliminated.\n\n## C7. Amendments, debt changes, and assignment\n\nThe CSO Act does not establish an express amendment procedure. Any amendment must nevertheless leave the contract compliant with the mandatory terms. A change to:\n\n- total payments;\n- services;\n- guarantees;\n- refund promises;\n- duration;\n- provider identity or address;\n- service agent; or\n- cancellation mechanics\n\ncannot safely be handled through an undisclosed unilateral dashboard update.\n\nNo express CSO contract-assignment rule was located. An assignment that changes the service provider may implicate:\n\n- registration and exemption status;\n- the required provider address;\n- service-agent information;\n- disclosure of services and payments;\n- consumer assent;\n- security information; and\n- whether the original party remains liable.\n\nThe operational result is held pending the actual assignment clause and entity facts.\n\n# D. State CSO versus conditional federal CROA requirements\n\nCROA is included only as a conditional agreement overlay; its coverage, exemptions, representations, and sales facts remain the prior unresolved questions.\n\n| Subject | Nebraska CSO Act | Federal CROA, when applicable | Combined operational effect |\n| --- | --- | --- | --- |\n| Precontract disclosure | Written statement before contract or value; no express separate-document command | Prescribed disclosure before contract, as a separate document from contract and other materials | Preserve the federal separation requirement |\n| Acknowledgment | Exact buyer-signed copy retained two years | Consumer-signed acknowledgment retained two years | One process may potentially evidence both only if every separate-content/form rule is met |\n| Contract | Written, dated, buyer-signed | Written, dated, consumer-signed | Both |\n| Service commencement | No express state cooling-off service pause found | No services before end of three-business-day period beginning on signing date | Federal pause controls when applicable |\n| Cancellation period | Before midnight of third day after signing | Before midnight of third business day beginning after execution/enforceability | Apply the longer applicable protection rather than collapsing “day” into “business day” |\n| Cancellation notice | Two detachable copies; mail/deliver form or other writing | Duplicate federal notice; mail/deliver form or other writing | Both forms/contents may be needed |\n| Copy delivery | Completed contract and all signed documents at signing | Contract, federal disclosure, and all signed documents at signing | Both |\n| Performance estimate | State estimate cannot exceed 180 days | Completion date or service period estimate; no 180-day wording in federal provision | State limit remains independently relevant |\n| Waiver | State rights cannot be waived | Federal rights cannot be waived; noncompliant contract void and unenforceable | Arbitration may still be possible, but substantive rights remain |\n| State-law preservation | State statute governs independently | CROA preserves state law except to extent inconsistent | Compliance with one does not replace the other |\n\nFederal CROA’s operative provisions appear in 15 U.S.C. §§1679c–1679f and 1679j. [U.S. Code+4](https://uscode.house.gov/us/usc/119-124/t15/s1679c/)\n\n# E. Electronic signature, assent, delivery, and retention\n\n## E1. Nebraska UETA conditions\n\n| Electronic issue | Verified Nebraska rule | Consequence for DMP/CSO workflows |\n| --- | --- | --- |\n| Agreement to electronic dealings | UETA applies only when each party agreed to conduct the transaction electronically; context and conduct matter | A buried website term or provider preference is not automatically enough |\n| Right to refuse | Agreement to one electronic transaction does not force all later transactions to be electronic; right not waivable | Paper cancellation or records cannot automatically be refused |\n| Writing | Electronic record can satisfy writing | Only if the full substantive agreement is present |\n| Signature | Electronic signature can satisfy signature | Requires sound/symbol/process attached or logically associated and adopted with intent |\n| Attribution | Electronic act must be attributable to the person; security procedures and context are evidence | Audit logs, authentication, timestamps, and record linkage matter |\n| Retainability | Required written information must be capable of retention at receipt | Blocking printing/download makes the record unenforceable against the recipient |\n| Required format/method | Other law’s prescribed display, method, and formatting requirements remain | Bold, proximity, attachment, and notice-form requirements cannot be discarded |\n| Automated contract | Contract may form through electronic agents if individual is free to refuse and knows action will complete transaction | “Continue” must meaningfully signal contractual effect |\n| Error correction | Individual may avoid certain automated errors where no correction opportunity existed and prompt remedial conditions are met | Review screen and error-correction controls matter |\n| Retention | Electronic copy must accurately reflect final record and remain accessible | Editable database fields without a final immutable version are risky |\n| Sending/receipt | UETA specifies when an electronic record enters a designated, processable system; awareness is not required | Does not itself prove that email is an authorized statutory cancellation method |\n\n## E2. Federal E-SIGN consumer consent\n\nWhere the transaction is in or affects interstate commerce, the recipient is a statutory consumer, and law requires written information to be provided or made available, E-SIGN requires more than ordinary contract assent. Before electronic consent, the consumer must receive clear and conspicuous information concerning:\n\n- the paper option;\n- withdrawal of electronic consent and consequences or fees;\n- whether consent covers one transaction or categories of records;\n- withdrawal and contact-update procedures;\n- paper-copy procedures and charges;\n- hardware/software needed for access and retention.\n\nThe consumer must then consent electronically in a manner reasonably demonstrating the ability to access the format actually used. Material access-requirement changes can trigger revised disclosures and renewed consent. E-SIGN preserves the substantive content, timing, proximity, and other protections of the underlying law. [U.S. Code+3](https://uscode.house.gov/us/usc/119-124/t15/s7001/)\n\nNo relevant E-SIGN exclusion for an ordinary DMP or CSO services contract was identified in §7003. That does not by itself establish that every Nebraska transaction is interstate or that every debtor is a statutory E-SIGN consumer. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s7003/)\n\n## E3. What an electronic workflow must preserve\n\nA compliant electronic system would need evidence of at least:\n\n1. Correct model classification and applicable agreement package.\n2. Precontract disclosure delivered before contract or payment.\n3. E-SIGN consumer consent when applicable.\n4. Ability to download, print, and retain the exact record.\n5. Complete obligations, creditors, services, payment terms, dates, and notices.\n6. Required boldness, proximity, and attachment/duplication.\n7. Intent to sign and attribution to the buyer/debtor.\n8. A final immutable version tied to the signature.\n9. Delivery of the completed copy and every signed document at the required time.\n10. Retention for the required period.\n11. A method to prove which version, disclosures, and cancellation date appeared.\n\nA generic checkbox saying “I agree to terms” does not establish all eleven.\n\n## E4. Electronic CSO cancellation forms\n\nNebraska requires two **easily detachable** cancellation copies attached to the contract. UETA preserves statutory formatting and presentation requirements. No Nebraska authority was located deciding whether any of these are equivalent:\n\n- two pages in a downloadable PDF;\n- two separately downloadable files;\n- duplicate HTML panels;\n- one reusable electronic form;\n- a portal cancellation button; or\n- a single form that can be copied electronically.\n\nThe precise electronic equivalent remains **held**. A provider should not claim that one link or one portal button is conclusively equivalent to two detachable copies without authoritative support.\n\n## E5. Email or portal cancellation\n\nSection 45-808 authorizes mailing or delivering the statutory form or “other written notice.” UETA can recognize an electronic record as writing, but it also preserves a statute’s specified method. No controlling authority was located establishing that:\n\n- an email is “delivered” within §45-808;\n- clicking a portal button is written notice;\n- sending before midnight is enough if the provider receives it later;\n- a provider may require cancellation only through a portal; or\n- an automated acknowledgment proves the content received.\n\nAccordingly:\n\n- A provider may voluntarily accept electronic cancellation.\n- It may not use that voluntary practice to deny the statutory paper route.\n- Mandatory legal sufficiency of a particular email or portal workflow remains held.\n- The ten-day state refund period begins when the organization **receives** the cancellation notice. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808)\n\n# F. Changes, termination, waiver, assignment, arbitration, and choice of law\n\n| Issue | DMP result | CSO result | Current disposition |\n| --- | --- | --- | --- |\n| Consumer cancellation window | No Chapter 69 cooling-off period verified; contract must clearly state cancellation/prepayment settlement | Three-day state right; two notice forms; payment return in ten days after receipt | Federal overlays remain separate |\n| Provider termination | No specific Chapter 69 termination notice or procedure verified | No specific provider-termination clause verified | Actual contract and other law required |\n| Fee change | Form/template change reported to SOS within 30 days; consumer assent procedure not stated | Changed payment terms must remain in compliant contract; unilateral change authority not stated | Cannot infer assent from silence |\n| Debt addition/removal | Operative agreement must still contain complete obligations and creditors | Relevant only if it changes described services/payments | Exact amendment/signature/copy procedure held |\n| Service change | May constitute template amendment; must preserve complete agreement | Full service description must remain accurate | Material undisclosed change risks noncompliance |\n| Assignment | License nonassignable; contract assignment not resolved | No express assignment rule | Assignee’s authorization, disclosures, and consent remain required |\n| Waiver/release | No express Chapter 69 antiwaiver clause identified | Any waiver of an Act right is void | A DMP waiver is not automatically valid merely because no express clause was found |\n| Arbitration | No DMP-specific prohibition | No CSO-specific prohibition; nonwaivable rights remain | General state and federal arbitration law applies |\n| Choice of law | No required or prohibited clause located | Clause cannot safely be treated as eliminating Nebraska nonwaivable rights | Enforceability fact-specific and held |\n| Forum selection | No specific Chapter 69 rule located | No specific CSO rule located | Full civil-procedure/enforceability analysis excluded |\n| Complaints | No contract complaint procedure verified | No contract complaint procedure verified | Public agency contact information is not a mandated contract clause |\n| Severability | No required clause located | No required clause located | Cannot save a substantively noncompliant agreement automatically |\n\n## F1. Nebraska arbitration notice\n\nA written future-dispute arbitration provision is generally valid under Nebraska’s Uniform Arbitration Act if entered into voluntarily and willingly, subject to ordinary contract defenses and listed statutory exclusions. A standardized agreement making binding arbitration the sole dispute remedy must contain the capitalized and underlined statutory warning adjoining the signature block. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01)\n\n## F2. FAA preemption\n\nIn *Aramark Uniform & Career Apparel, Inc. v. Hunan, Inc.*, the Nebraska Supreme Court held that:\n\n- Nebraska’s special arbitration notice would make a noncomplying clause unenforceable under Nebraska law;\n- the service contract involved interstate commerce;\n- the FAA governed; and\n- the FAA preempted Nebraska’s arbitration-only notice requirement for that contract.\n\nThe court reversed and directed confirmation of the arbitration award. This is not a DMP or CSO case, and its application turns on the actual commerce and contract facts. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB)\n\n## F3. CROA arbitration\n\nIn *CompuCredit Corp. v. Greenwood*, the U.S. Supreme Court held that CROA’s disclosure and nonwaiver provisions do not contain a congressional command overriding the FAA; because CROA is silent on arbitrability, the agreement was enforceable according to its terms. The case does not approve every arbitration clause or eliminate ordinary formation, fraud, duress, unconscionability, or remedy-preservation challenges. [Supreme Court+1](https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf)\n\n## F4. Nebraska CSO nonwaiver boundary\n\nAn arbitration clause is not necessarily a waiver of substantive rights merely because it selects a forum. But a clause cannot safely:\n\n- disclaim the state cancellation right;\n- eliminate statutory damages or other nonwaivable rights;\n- shorten a mandatory notice or refund obligation;\n- permit prohibited conduct;\n- require the buyer to waive the Act;\n- prevent the required security claim disclosure; or\n- make a noncompliant contract compliant.\n\nNo controlling Nebraska CSO-specific arbitration decision was located.\n\n# G. Event matrix\n\n| Event | Chapter 69 DMP | Nebraska CSO | Conditional federal overlay |\n| --- | --- | --- | --- |\n| Initial inquiry | No agreement yet | No contract yet | Advertising/TSR/CROA coverage remains separately held |\n| Suitability review | Written thorough budget analysis before accepting account | No statutory budget test | — |\n| Precontract disclosure | No separate disclosure statement verified | §45-807 statement before contract or value | CROA separate disclosure before contract, if covered |\n| Contract preparation | All required DMP fields complete | All mandatory CSO terms and attached forms complete | Federal terms added where applicable |\n| Signature | Debtor signature contemplated; mechanics not separately prescribed | Buyer signature expressly required | Consumer signature expressly required under CROA |\n| Copy delivery | True copy immediately | Completed contract and all signed documents at signing | Contract, disclosure, all signed documents at signing |\n| Program approval | Debtor must approve arranged DMP | Not a separate statutory step | — |\n| Contract effectiveness | Delayed until creditor-distribution payment to licensee | Signed contract subject to state cancellation right | CROA bars service during federal three-business-day period |\n| First service | Depends on effective DMP and other law | State Act does not expressly pause service | Federal CROA pause when applicable |\n| Debt added or removed | Complete obligation/creditor list must remain accurate | Amend service/payment description if materially affected | Electronic-consent scope may matter |\n| Template modified | Notify SOS within 30 days | No consumer-form filing requirement verified | Preserve federal terms |\n| Buyer cancels | Contract’s clear cancellation settlement applies; no state cooling-off rule verified | Written notice by state deadline; return any payment within ten days after receipt | Longer/independent federal right applies when covered |\n| Provider terminates | No specific procedure verified | No specific procedure verified; contract breach is Act violation | Other federal/contract law may apply |\n| Assignment | License cannot be assigned; contract assignment unresolved | No express assignment process | Actual assignee and federal obligations must be tested |\n| Record retention | DMP record duties separately established | Signed disclosure copy two years; other signed-document obligations | Electronic record must remain accurate/accessibly reproducible |\n\n# H. Bounded agreement and notice examples\n\n## Example 1 — Paper Chapter 69 enrollment workflow\n\n**Hypothetical assumptions**\n\n- Provider is already a properly licensed Chapter 69 entity.\n- Consumer and debts satisfy the statutory classification.\n- No electronic records are used.\n- Fee, funds, and creditor-payment legality are assumed but not recalculated.\n\n**Sequence**\n\nPlain text\n```\nT0  Provider completes a written, thorough budget analysis.\n    Analysis indicates the debtor can reasonably make required payments.\n\nT1  Provider prepares a fully completed written agreement.\n    It includes:\n      • every obligation to be adjusted;\n      • every creditor holding those obligations;\n      • total agreed charges;\n      • beginning and expiration dates;\n      • clear cancellation/prepayment settlement.\n\nT1  Debtor approves the arranged program.\n    Provider immediately gives debtor a true copy.\n\nT2  Debtor makes a payment to the licensee for creditor distribution.\n\nT2  Contract becomes effective under §69-1212.\n```\n\n**Limits**\n\n- A signature is strongly contemplated, but no specific state signature format is supplied.\n- The example does not decide whether a modern third-party account payment qualifies as payment to the licensee.\n- No fee becomes earned merely because T2 occurred.\n- No creditor acceptance, funds-return, or bond result is implied.\n\n## Example 2 — Blank creditor fields at signature\n\n**Facts**\n\n- Debtor signs a DMP form.\n- Two creditor names and the expiration date are left blank.\n- Provider fills them in the next morning.\n\n**Result**\n\nThe agreement fails the express prohibition against executing a debtor-signed contract unless fully and completely filled in and finished. Later backfilling is not authorized by the reviewed statute. Whether the defect makes the agreement void, voidable, unenforceable, or a disciplinary violation in a particular proceeding remains a remedies question outside this pass. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214)\n\n## Example 3 — Adding a debt after enrollment\n\n**Facts**\n\n- Original agreement accurately lists Creditors A, B, and C.\n- Debtor later asks to add Creditor D.\n- The provider’s standard form is unchanged.\n\n**Required distinction**\n\nPlain text\n```\nIndividual account change:\n    Operative contract/records must accurately reflect Creditor D.\n\nTemplate change:\n    If provider changes the blank contract form itself,\n    SOS must be notified within 30 days after that form change.\n```\n\n**Held issues**\n\n- Whether the individual addition requires a new contract, signed amendment, initials, electronic assent, or only an updated schedule was not specified.\n- The provider cannot rely on the original “complete list” once it is no longer complete.\n- No new fee or payment treatment is approved.\n\n## Example 4 — Nebraska CSO state cancellation without calendar assumptions\n\nDefine:\n\nPlain text\n```\nS = date contract is signed\nD = third day after S\nR = date CSO receives the cancellation notice\n```\n\n**Sequence**\n\nPlain text\n```\nBefore midnight on D:\n    Buyer mails or delivers:\n       • signed, dated cancellation form; or\n       • another written notice.\n\nBy R + 10 days:\n    CSO returns any payment made under the contract.\n```\n\n**Limits**\n\n- “Day” is not replaced by “business day.”\n- No exact calendar date is calculated because weekend/holiday counting was not resolved.\n- The ten-day clock runs from receipt, not necessarily mailing.\n- No fee deduction is assumed.\n- State law does not expressly create a service pause during the three days.\n\n## Example 5 — Nebraska CSO plus federal CROA\n\n**Assumptions**\n\n- Actual services and representations make both laws applicable.\n- No exemption applies.\n- Paper documents are used.\n\n**Sequence**\n\n1. Before contract execution, provider gives:Nebraska §45-807 disclosure; andfederal CROA disclosure as a separate document.\n2. Consumer signs acknowledgment; provider retains the required copy.\n3. Contract is written, dated, and signed.\n4. Contract contains both applicable cancellation disclosures and forms.\n5. Provider gives the completed contract, disclosures, and every signed document at signing.\n6. Provider does **not** begin CROA services before the federal three-business-day service-pause period ends.\n7. Consumer retains:Nebraska’s three-day cancellation right; andfederal CROA’s three-business-day right.\n\nNo attempt is made to collapse the two periods or use the shorter state period to terminate the federal protection. [U.S. Code+2](https://uscode.house.gov/us/usc/119-124/t15/s1679c/)\n\n## Example 6 — Electronic CSO execution with retainable records\n\n**Assumptions**\n\n- Interstate consumer transaction.\n- E-SIGN and Nebraska UETA apply.\n- Electronic cancellation-form equivalence is not assumed resolved.\n\n**Sequence**\n\nPlain text\n```\n1. Consumer receives E-SIGN paper-option, withdrawal,\n   scope, copy, fee, contact-update, and hardware/software disclosures.\n\n2. Consumer electronically demonstrates access to the PDF format.\n\n3. Provider displays the Nebraska precontract statement before contract signing.\n\n4. Consumer signs the acknowledgment electronically.\n\n5. Provider presents a final contract PDF with:\n      • complete state terms;\n      • conspicuous cancellation statement next to signature;\n      • stable attached notices;\n      • no blank fields.\n\n6. Consumer intentionally signs through an attributed process.\n\n7. Consumer immediately receives downloadable, printable copies\n   of every signed document.\n```\n\n**Result**\n\nThe workflow addresses many UETA/E-SIGN predicates, but this pass does not certify that the electronic presentation constitutes the two “easily detachable” state cancellation copies. That remains a specific hold.\n\n## Example 7 — Portal display that blocks saving\n\n**Facts**\n\n- Provider shows the contract in a scroll box.\n- Consumer clicks “I agree.”\n- The portal prevents printing, downloading, or saving.\n- The provider later emails only a one-page receipt.\n\n**Result**\n\nThe electronic record is not capable of retention as required by Nebraska UETA, and the full contract was not shown to have been furnished as a true or completed copy. The click does not cure the delivery defect. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=86-635)\n\n## Example 8 — Cancellation email sent before midnight\n\n**Facts**\n\n- State CSO contract identifies a postal address but no cancellation email.\n- Buyer emails an unequivocal cancellation at 11:50 p.m. on the stated deadline.\n- Provider’s system records receipt at 11:51 p.m.\n\n**Result**\n\nThe message may be an electronic record and UETA supplies general sent/received rules. But no controlling authority was located establishing that email satisfies §45-808’s “mail or deliver” procedure in these circumstances. The mandatory legal result remains held.\n\nThe provider may honor the email voluntarily. This example does not authorize a provider to reject a timely statutory paper notice or force exclusive portal cancellation.\n\n## Example 9 — Stale Nebraska/FCRA disclosure template\n\n**Facts**\n\nThe provider’s disclosure says only:\n\n- free file review if requested within 30 days after denial; and\n- a charge at all other times.\n\n**Result**\n\nThe form repeats the old Nebraska language but omits current federal rights to a free annual disclosure and a free post-adverse-notice disclosure requested within 60 days. It therefore should not be treated as the complete and accurate current FCRA-rights statement required separately by §45-807(d). Exact compliant drafting remains held because Nebraska has not publicly reconciled its old item (e) language. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807)\n\n## Example 10 — Standardized sole-remedy arbitration clause\n\n**Facts**\n\n- Agreement is standardized.\n- Binding arbitration is stated to be the sole dispute remedy.\n- Nebraska’s special warning is omitted.\n- Interstate-commerce facts are unknown.\n- Clause preserves statutory remedies on paper.\n\n**Conditional outcomes**\n\nPlain text\n```\nIf Nebraska UAA governs:\n    Omission of the special adjoining-signature warning creates\n    enforceability risk under §25-2602.02.\n\nIf FAA governs:\n    Aramark holds the arbitration-specific Nebraska warning preempted.\n\nIf CROA applies:\n    CompuCredit holds CROA does not categorically prohibit arbitration.\n```\n\nThis does not approve the clause. Formation, voluntariness, scope, delegation, costs, remedy limitations, waiver, unconscionability, and actual interstate-commerce facts remain necessary.\n\n# I. Source register\n\n| Source ID | Title, issuer, literal URL, and exact pinpoint | Version/effective status; access classification | Use and limitations |\n| --- | --- | --- | --- |\n| **S_NE-P06-S001** | **Nebraska Debt Management Act—agreement provisions**, 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 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsection (4); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 license nontransferability; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212 complete operative paragraph; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213 subsections (1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 subsection (3) and related prohibitions. | Official current codification freshly read October 26, 2026 Pacific. Section source histories vary; no complete session-law or rule-history audit. | Controlling state statutory source. Same document family as P1, freshly read for this agreement component. Sections are not counted as independent authorities. [Nebraska Legislature+4](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204) |\n| **S_NE-P06-S002** | **Nebraska Credit Services Organization Act—agreement provisions**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802 definitions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804 prohibited representations/payment branches; https://nebraskalegislature.gov/laws/statutes.php?statute=45-807 complete disclosure section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808 complete contract/cancellation section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809 waiver. | Official current codification freshly read October 26, 2026. §§45-807–45-809 show 1991 enactment history; §45-804 includes later amendments. | Controlling conditional CSO source. Coverage and exemptions remain model-specific. [Nebraska Legislature+5](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802) |\n| **S_NE-P06-S003** | **Nebraska Uniform Electronic Transactions Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=86-620; ...=86-621; ...=86-630; ...=86-632; ...=86-634; ...=86-635; ...=86-636; ...=86-637; ...=86-639; ...=86-641; ...=86-642. Exact clauses: definitions; scope; agreement to transact electronically; legal recognition; retainability/format; attribution; error; retention; automated transactions; sent/received rules. | Official current codification freshly read October 26, 2026. Source histories principally 2000 LB929 and 2002 recodification. | General electronic-transaction law; does not alter substantive DMP/CSO content or prove a particular workflow. [Nebraska Legislature+10](https://nebraskalegislature.gov/laws/statutes.php?statute=86-620) |\n| **S_NE-P06-S004** | **Electronic Signatures in Global and National Commerce Act**, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s7001/ §§7001(a)–(f); https://uscode.house.gov/us/usc/119-124/t15/s7002/; https://uscode.house.gov/us/usc/119-124/t15/s7003/; https://uscode.house.gov/us/usc/119-124/t15/s7006/. | U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26. | Applies conditionally to interstate/foreign-commerce transactions and statutory consumers. Does not establish that every Nebraska debtor is within every E-SIGN consumer provision. [U.S. Code+5](https://uscode.house.gov/us/usc/119-124/t15/s7001/) |\n| **S_NE-P06-S005** | **Federal Credit Repair Organizations Act—agreement provisions**, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1679c/; .../s1679d/; .../s1679e/; .../s1679f/; .../s1679j/. Exact clauses: separate disclosure, acknowledgment retention, written contract, service pause, contract terms, cancellation, copies, nonwaiver, voidness, state-law preservation. | U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26. | Conditional federal overlay only. Actual CROA entity, representations, jurisdiction, and exemptions remain held. [U.S. Code+4](https://uscode.house.gov/us/usc/119-124/t15/s1679c/) |\n| **S_NE-P06-S006** | **15 U.S.C. §1681j—Charges for certain disclosures**, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681j/, subsections (a), (b), and amendment history. | U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26. | Used only to identify the current 60-day and annual-free-report rights and the historical 30-day wording. Not a complete FCRA pass. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1681j/) |\n| **S_NE-P06-S007** | **Nebraska Uniform Arbitration Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01; https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02. Exact clauses: validity/voluntary agreement and special notice for standardized sole-remedy arbitration. | Official current codification freshly read October 26, 2026. | General arbitration law, not DMP/CSO-specific contract approval. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01) |\n| **S_NE-P06-S008** | ***Aramark Uniform & Career Apparel, Inc. v. Hunan, Inc.***, Nebraska Supreme Court, 276 Neb. 700, 757 N.W.2d 205 (2008). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB. Relevant printed/report pages 703–704 and 707–708; zero-based PDF indices 4 and 8. | Published final opinion; PDF freshly read and relevant pages visually inspected October 26, 2026. | Holding concerns FAA preemption of Nebraska arbitration-specific notice in an interstate service contract. Not a DMP/CSO case. [Nebraska.gov+3](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB) |\n| **S_NE-P06-S009** | ***CompuCredit Corp. v. Greenwood***, U.S. Supreme Court, 565 U.S. 95 (2012). https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf. Holding at printed U.S. Reports pp. 95–96 and 104; zero-based PDF indices 308 and 317. | Published final U.S. Supreme Court opinion; relevant pages freshly read and visually inspected October 26, 2026. | Holds CROA does not contain a contrary command displacing the FAA. Does not validate every clause. [Supreme Court+3](https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf) |\n| **S_NE-P06-S010** | **Nebraska SOS Debt Management Agencies page and License Application.** https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based PDF index 0, lines 45–52. | Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected. | Shows listed forms and blank-contract/change instruction. Public form is not an approved consumer agreement or issued approval. [Nebraska Secretary of State+2](https://sos.nebraska.gov/licensing/debt-management-agencies) |\n| **S_NE-P06-S011** | **Nebraska SOS Credit Services Organizations page and Registration Form.** https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based PDF index 0, lines 22–42. | Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected. | Registration/security form only. It is not a consumer disclosure, contract checklist, or approved cancellation form. [Nebraska Secretary of State+2](https://sos.nebraska.gov/licensing/credit-services-organizations) |\n| **S_NE-P06-S012** | **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. | **Reused access history, not fresh P06 access.** P2 identified Title 433 on the index; dynamic catalog produced a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document viewing/extraction histories remain separately attributed. | No complete current agreement/disclosure rule, adoption order, or interpretation authenticated. This is not proof that none exists. |\n| **S_NE-P06-S013** | **Bounded official-source searches:** Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature and Secretary of State domain searches for §§69-1209, 69-1214, 45-807, 45-808, debt-management agreement, CSO agreement, electronic cancellation, assignment, and arbitration. | Search-only work October 26, 2026. | No directly controlling Nebraska DMP/CSO agreement opinion or additional public model contract was located. Not an exhaustive commercial citator, trial docket, administrative file, or records request. |\n\n# J. Claim register\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, consequences, and confidence |\n| --- | --- | --- | --- |\n| **S_NE-P06-C001** | Chapter 69 agreement duties attach only after the statutory debt-management model is classified as covered. | S001, §69-1201(1). | **High for text;** noncustodial, “evidences thereof,” remote, and administrator questions remain held. |\n| **S_NE-P06-C002** | Before accepting an account, a licensee needs a written, thorough budget analysis indicating that required payments are reasonably affordable. | S001, §69-1213(4). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213) | **High.** No numeric suitability test verified. |\n| **S_NE-P06-C003** | A covered DMP requires a written contract between licensee and debtor. | S001, §69-1209. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209) | **High.** |\n| **S_NE-P06-C004** | DMP contract must list all adjusted obligations, all creditors, total charges, and beginning/expiration dates. | S001, §69-1209. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209) | **High.** |\n| **S_NE-P06-C005** | DMP contract term may not exceed 36 months. | S001, §69-1209. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209) | **High;** no extension mechanism verified. |\n| **S_NE-P06-C006** | Licensee must immediately furnish debtor a true copy. | S001, §69-1209. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209) | **High;** exact elapsed-time meaning unresolved. |\n| **S_NE-P06-C007** | A debtor-signed DMP agreement must be fully completed before execution. | S001, §69-1214(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214) | **High.** Later backfilling not authorized. |\n| **S_NE-P06-C008** | Chapter 69 contemplates debtor signature but does not separately prescribe signature-block, provider-signature, witness, notarization, or date mechanics. | S001, §§69-1209, 69-1214(3). | **High for absence in reviewed text;** current-rule gap preserved. |\n| **S_NE-P06-C009** | Cancellation/prepayment settlement must be clearly stated in the DMP contract. | S001, §69-1212. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) | **High.** Prior amount/earning interpretations remain held. |\n| **S_NE-P06-C010** | No DMP fee entitlement exists until program arranged and approved by debtor; contract is ineffective until a creditor-distribution payment is made to licensee. | S001, §69-1212. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212) | **High;** modern payment-structure classification remains held. |\n| **S_NE-P06-C011** | Blank intended DMP contract is filed with the license application; form changes/amendments reported within 30 days after change. | S001, §69-1204(4); S010 application p.1/index0. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204) | **High.** |\n| **S_NE-P06-C012** | Filing the blank DMP form is not statutory contract approval or safe harbor. | S001, §69-1204(4). | **High textual conclusion.** No approval language found. |\n| **S_NE-P06-C013** | Chapter 69 does not verify mandatory contract clauses for creditor refusal, credit damage, tax risk, lawsuits, account control, processors, complaints, or arbitration. | S001; S012 gap. | **Partial/HOLD.** No complete current Title 433 universe. |\n| **S_NE-P06-C014** | Requested statement/accounting duty exists but is not expressly required as contract text. | S001, §69-1213(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213) | **High for distinction.** |\n| **S_NE-P06-C015** | No Chapter 69 statutory cooling-off period was verified. | S001, §§69-1209, 69-1212. | **Partial/HOLD** due current-rule gap and possible federal overlays. |\n| **S_NE-P06-C016** | Chapter 69 license is nontransferable/nonassignable; consumer-contract assignment is not expressly resolved. | S001, §69-1207(3). | **High for license; contract-assignment result held.** |\n| **S_NE-P06-C017** | Individual debt additions/removals must preserve the complete-list requirement, while template amendments trigger the 30-day SOS notice. | S001, §§69-1204(4), 69-1209. | **High as distinction;** exact amendment-signature process held. |\n| **S_NE-P06-C018** | Nebraska CSO status is conditional on paid credit-improvement, credit-obtaining, or related-advice activity and absence of exemption. | S002, §§45-802–45-803. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802) | **High.** |\n| **S_NE-P06-C019** | CSO disclosure must precede contract execution or receipt of value. | S002, §45-807(1). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807) | **High.** |\n| **S_NE-P06-C020** | State disclosure must cover services, total cost, security rights/details, FCRA rights, disputes, accurate information, obsolescence, and nonprofit counseling. | S002, §45-807(1)(a)–(i). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807) | **High.** |\n| **S_NE-P06-C021** | CSO retains an exact buyer-signed acknowledgment copy for two years. | S002, §45-807(2). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807) | **High.** |\n| **S_NE-P06-C022** | Nebraska’s 30-day/minimal-charge credit-report wording is materially incomplete compared with current FCRA’s 60-day and annual-free rights. | S002, §45-807(1)(e); S006, §1681j(a)–(b). [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807) | **High for textual mismatch;** exact reconciled wording held. |\n| **S_NE-P06-C023** | CSO contract must be written, dated, and signed by buyer. | S002, §45-808(1). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** No express provider-signature rule. |\n| **S_NE-P06-C024** | Statutory cancellation warning must be conspicuous and immediately next to buyer signature space. | S002, §45-808(1)(a). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** |\n| **S_NE-P06-C025** | CSO contract must state all payment terms, total payments to provider/others, detailed services, guarantees, refund promises, capped estimate, principal address, and Nebraska service agent. | S002, §45-808(1)(b)–(d). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** |\n| **S_NE-P06-C026** | Contract must have two easily detachable bold cancellation forms attached. | S002, §45-808(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High for paper text; electronic equivalent unresolved.** |\n| **S_NE-P06-C027** | Nebraska CSO cancellation is within three days after signing, not three business days. | S002, §45-808(1)–(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** Weekend/holiday counting not resolved. |\n| **S_NE-P06-C028** | Cancellation may use signed/dated form or other written notice mailed/delivered by deadline; payment returned within ten days after receipt. | S002, §45-808(2)–(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** Electronic method remains held. |\n| **S_NE-P06-C029** | Buyer receives completed contract and every document provider required buyer to sign at signing. | S002, §45-808(4). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** |\n| **S_NE-P06-C030** | Breach of CSO contract or contract obligation is an Act violation. | S002, §45-808(5). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808) | **High.** Full remedies remain later. |\n| **S_NE-P06-C031** | Attempted waiver of any CSO Act right is forbidden and purported waiver void. | S002, §45-809. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-809) | **High.** |\n| **S_NE-P06-C032** | Nebraska does not expressly require state CSO disclosure to be separate from all other writings; CROA does when applicable. | S002, §45-807; S005, §1679c(b). [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-807) | **High for contrast.** |\n| **S_NE-P06-C033** | No express Nebraska CSO amendment, assignment, or provider-termination procedure was verified. | S002, §§45-807–45-809; S012 gap. | **Partial/HOLD.** |\n| **S_NE-P06-C034** | UETA applies to electronic transactions only when each party agreed to transact electronically. | S003, §86-632. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=86-632) | **High.** |\n| **S_NE-P06-C035** | Electronic writing/signature may satisfy writing/signature requirements but cannot cure missing substantive terms. | S003, §§86-621, 86-634, 86-630(4). [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=86-621) | **High.** |\n| **S_NE-P06-C036** | Required electronic information must be retainable; statutory format/method remains preserved. | S003, §86-635. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=86-635) | **High.** |\n| **S_NE-P06-C037** | Electronic signature must be attributable to the person; context, agreement, and security procedures matter. | S003, §86-636. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=86-636) | **High.** |\n| **S_NE-P06-C038** | Automated transactions remain subject to knowledge/refusal and error-correction rules. | S003, §§86-637, 86-641. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=86-637) | **High.** |\n| **S_NE-P06-C039** | Electronic retention must accurately reflect final record and remain accessible. | S003, §86-639. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=86-639) | **High.** |\n| **S_NE-P06-C040** | UETA defines electronic sent/received events, but receipt acknowledgment does not prove content correspondence. | S003, §86-642. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=86-642) | **High.** |\n| **S_NE-P06-C041** | E-SIGN consumer disclosures require affirmative consent after paper-option, withdrawal, scope, copy, fee, and technology disclosures, plus demonstrated access. | S004, §7001(c)(1). [U.S. Code+1](https://uscode.house.gov/us/usc/119-124/t15/s7001/) | **High when E-SIGN consumer provisions apply.** |\n| **S_NE-P06-C042** | E-SIGN preserves disclosure content, timing, proximity, and retainability. | S004, §7001(b), (c)(2), (d)–(f). [U.S. Code+2](https://uscode.house.gov/us/usc/119-124/t15/s7001/) | **High.** |\n| **S_NE-P06-C043** | Electronic equivalent of two “easily detachable” state cancellation forms is unresolved. | S002, §45-808(3); S003, §86-635(2). | **HOLD.** No controlling interpretation located. |\n| **S_NE-P06-C044** | Email/portal cancellation is not conclusively established as statutory “mail or deliver” notice. | S002, §45-808(3); S003, §§86-635, 86-642. | **HOLD.** |\n| **S_NE-P06-C045** | CROA requires its prescribed disclosure before contract and as a separate document, with signed acknowledgment retained two years. | S005, §1679c. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679c/) | **High when CROA applies.** |\n| **S_NE-P06-C046** | CROA requires written/date/consumer-signed contract and bars services before federal three-business-day period ends. | S005, §1679d. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679d/) | **High when covered.** |\n| **S_NE-P06-C047** | CROA provides three-business-day cancellation, duplicate form, and copies at signing. | S005, §1679e. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679e/) | **High.** |\n| **S_NE-P06-C048** | CROA waivers are void and noncompliant contracts are void and unenforceable. | S005, §1679f. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679f/) | **High.** |\n| **S_NE-P06-C049** | CROA preserves state law except to the extent of inconsistency. | S005, §1679j. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1679j/) | **High.** |\n| **S_NE-P06-C050** | Nebraska sole-remedy standardized arbitration agreement ordinarily requires special adjoining-signature warning. | S007, §25-2602.02. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02) | **High under Nebraska law.** |\n| **S_NE-P06-C051** | *Aramark* holds FAA preempts that Nebraska arbitration-only warning for an interstate-commerce contract. | S008, pp.703–704, 707–708/index4,8. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB) | **High for holding;** application fact-specific. |\n| **S_NE-P06-C052** | *CompuCredit* holds CROA does not categorically displace FAA arbitration. | S009, 565 U.S. 95–96, 104/index308,317. [Supreme Court+1](https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf) | **High for federal holding.** |\n| **S_NE-P06-C053** | No DMP/CSO-specific Nebraska arbitration or choice-of-law approval was established. | S013 limited search. | **Limited negative result.** |\n| **S_NE-P06-C054** | Current public SOS pages do not display a model DMP contract, CSO consumer disclosure, or model cancellation packet. | S010–S011. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/debt-management-agencies) | **High for page contents on access date;** not proof no nonpublic form exists. |\n| **S_NE-P06-C055** | DMP public application repeats blank-contract and 30-day change filing; CSO registration form is not a consumer-agreement checklist. | S010 application p.1/index0; S011 form p.1/index0. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf) | **High for forms.** |\n| **S_NE-P06-C056** | Complete current Title 433 agreement/disclosure rules remain unauthenticated. | S012. | **HOLD.** No “no rule exists” conclusion. |\n| **S_NE-P06-C057** | No directly controlling Nebraska DMP/CSO agreement decision was located in the bounded public search. | S013. | **Limited negative search, not proof of absence.** |\n\n# K. Component coverage and gap table\n\n| Agreement issue | Status | Claim IDs | Missing evidence or next action |\n| --- | --- | --- | --- |\n| Chapter 69 model trigger | **Answered textually; application held** | C001 | Actual custody/control, debtor, service, and entity facts |\n| DMP pre-enrollment budget | **Answered** | C002 | Current rule or formal interpretation defining “thorough” and “reasonably meet” |\n| DMP written contract | **Answered** | C003 | Actual signed agreement for provider-specific review |\n| DMP obligations/creditors | **Answered** | C004 | Current balances, identification format, individual amendment method |\n| DMP term | **Answered** | C005 | Extension/renewal authority not verified |\n| DMP immediate copy | **Answered; timing precision partial** | C006 | Authority defining “immediately” and acceptable proof of delivery |\n| DMP completed before signing | **Answered** | C007 | Remedies for violation later |\n| DMP debtor signature | **Partial** | C008 | Current rule, approved-form instruction, or controlling decision |\n| DMP provider signature | **Not established** | C008 | Same |\n| DMP cancellation/prepayment clause | **Answered as mandatory term** | C009 | Prior amount/earning and return questions remain preserved |\n| DMP approval/effectiveness | **Answered** | C010 | Modern third-party payment/account classification |\n| DMP form filing | **Answered** | C011–C012 | Evidence of actual filed version or agency approval excluded |\n| DMP creditor-refusal disclosure | **Not verified** | C013 | Current Title 433/formal guidance |\n| DMP credit/tax/litigation risk disclosures | **Not verified** | C013 | Current rules or sector-specific law |\n| DMP payment/performance schedule clause | **Not verified beyond dates/charges** | C004, C013 | Rule or approved-form instruction |\n| DMP account/administrator clause | **Not verified** | C013 | Agreement/funds pass and actual contracts |\n| DMP statement right in contract | **Not required by verified text** | C014 | Rule/formal guidance could add requirement |\n| DMP complaint procedure | **Not verified** | C013 | Current rule or agency instruction |\n| DMP cooling-off period | **Not verified under state act** | C015 | Current rule and transaction-specific federal overlay |\n| DMP template modification | **Answered** | C011, C017 | Exact filing mechanics and proof |\n| DMP individual debt amendment | **Partial** | C017 | Signature/copy/consent process |\n| DMP assignment | **Partial** | C016 | Actual clause, assignee license, novation law, consent |\n| DMP waiver/release | **Unresolved** | — | General contract law and specific clause |\n| CSO scope | **Answered conditionally** | C018 | Actual representations, payment, entity, exemption proof |\n| CSO precontract timing | **Answered** | C019 | Actual delivery evidence |\n| CSO disclosure contents | **Answered** | C020 | Current finalized disclosure language |\n| CSO signed acknowledgment | **Answered** | C021 | Actual signed record |\n| CSO FCRA 30/60-day mismatch | **Answered as conflict/gap** | C022 | Formal Nebraska interpretation or legislative update |\n| CSO written/date/signature | **Answered** | C023 | Actual signature/attribution |\n| CSO cancellation warning | **Answered** | C024 | Electronic presentation implementation |\n| CSO payment/services/guarantee terms | **Answered** | C025 | Actual contract |\n| CSO 180-day estimate | **Answered textually** | C025 | Consequence of nonperformance or extension remains later |\n| CSO detachable notices | **Answered for paper; electronic held** | C026, C043 | Formal electronic-equivalence authority |\n| CSO state cancellation period | **Answered** | C027 | Weekend/holiday/counting rule not researched |\n| CSO cancellation method | **Answered for mail/delivery; electronic held** | C028, C044 | Controlling electronic-notice interpretation |\n| CSO payment return | **Answered** | C028 | Actual receipt date and payment history |\n| CSO signed-document copies | **Answered** | C029 | Actual delivery proof |\n| CSO breach effect | **Answered textually** | C030 | Full remedies later |\n| CSO waiver | **Answered** | C031 | Arbitration/release application remains fact-specific |\n| CSO amendment | **Unresolved** | C033 | Actual clause and general contract law |\n| CSO assignment | **Unresolved** | C033 | Actual entity, registration, consent, and clause |\n| CSO provider termination | **Unresolved** | C033 | Actual contract and remedies |\n| Electronic agreement to transact | **Answered** | C034 | Actual consent records |\n| Electronic signature | **Answered generally** | C035, C037 | Actual authentication and intent evidence |\n| Electronic retainability | **Answered** | C036, C039 | Actual system behavior and final record |\n| Automated enrollment/error correction | **Answered generally** | C038 | Actual user interface and error event |\n| Electronic sent/received | **Answered generally** | C040 | Statutory method and actual system evidence |\n| E-SIGN consumer consent | **Answered conditionally** | C041–C042 | Interstate transaction, consumer status, actual consent workflow |\n| Electronic detachable forms | **Unresolved** | C043 | Current Nebraska rule/case/formal guidance |\n| Electronic cancellation | **Unresolved** | C044 | Controlling case, rule, or formal interpretation |\n| CROA separate disclosure | **Answered conditionally** | C045 | Actual CROA coverage |\n| CROA service pause | **Answered conditionally** | C046 | Actual signing date and coverage |\n| CROA cancellation/copies | **Answered conditionally** | C047 | Exact notice and date facts |\n| CROA nonwaiver/voidness | **Answered conditionally** | C048 | Actual coverage and contract |\n| State/federal coexistence | **Answered** | C049 | Inconsistency analysis if clauses conflict |\n| Nebraska arbitration notice | **Answered** | C050 | Actual standardized/sole-remedy status |\n| FAA preemption | **Answered as doctrine** | C051 | Actual interstate-commerce facts |\n| CROA arbitration | **Answered as doctrine** | C052 | Actual arbitration clause and formation defenses |\n| Choice of law/forum | **Unresolved** | C053 | Actual clause and full enforceability analysis |\n| Public model DMP agreement | **Not located** | C054 | Nonpublic agency file or records request—not performed |\n| Public CSO disclosure/sample | **Not located** | C054 | Same |\n| Current Title 433 agreement rules | **Unresolved** | C056 | Accessible official current compilation, docket, and adoption orders |\n| DMP/CSO controlling cases | **Partial** | C057 | Full citator, trial-court, administrative, and enforcement research |\n| Funds, principal returns, account closure | **Excluded except cancellation wording** | — | PASS-04 and future reviewed component |\n| Bonds/security claims | **Excluded** | — | PASS-05 and future reviewed component |\n| Full remedies, collections, litigation, limitations, secured sectors, local/tribal law | **Excluded** | — | Separate authorized passes |\n| Named-provider agreement approval | **Not performed** | — | Exact entity, filed form, signed contract, and regulator record |\n\n# L. Researcher self-check\n\n## Freshly read in PASS-06\n\n- The materially relevant current Chapter 69 agreement provisions:§§69-1201;69-1202;69-1204;69-1207;69-1209;69-1212;69-1213; and69-1214.\n- The materially relevant current Nebraska CSO provisions:§§45-802;45-803;45-804;45-807;45-808; and45-809.\n- Nebraska UETA provisions addressing definitions, scope, electronic agreement, signature, retainability, attribution, error, retention, automated transactions, and sent/received rules.\n- Federal E-SIGN §§7001–7003 and 7006 as relevant to consumer records.\n- Federal CROA §§1679c–1679f and 1679j as a conditional agreement overlay.\n- Current FCRA §1681j and its amendment history, solely to reconcile the state disclosure’s 30-day language.\n- Nebraska arbitration §§25-2602.01 and 25-2602.02.\n- Relevant portions of:*Aramark Uniform & Career Apparel, Inc. v. Hunan, Inc.*; and*CompuCredit Corp. v. Greenwood*.\n- Current Nebraska Secretary of State DMP and CSO pages.\n- The one-page DMP license application and CSO registration PDFs, including visual page inspection.\n- Targeted official-source searches for model agreements, electronic cancellation authority, assignment, and DMP/CSO agreement cases.\n\n## Reused only as attributed prior history\n\n- PASS-01 provider, fee, and narrow agreement starting findings.\n- PASS-02 Title 433 access history and federal precision.\n- PASS-03 correction that federal withdrawal is from the debt-relief service rather than an unconditional bank-account withdrawal or closure.\n- The fact that PASS-04 funds and PASS-05 security exist as saved components.\n\nPASS-04 and PASS-05 were not treated as reviewed or accepted for their new substantive findings.\n\n## Failed, limited, or unresolved routes\n\n- No complete authenticated current Title 433 agreement/disclosure chapter or adoption-order universe.\n- No public SOS model DMP consumer agreement.\n- No public SOS model CSO disclosure statement or full contract package.\n- No public Nebraska interpretation reconciling §45-807’s 1991 FCRA wording with current federal law.\n- No controlling Nebraska DMP/CSO decision located on:electronic cancellation;debtor-signature mechanics;assignment;unilateral amendment;detachable electronic cancellation notices;choice of law;forum selection; orarbitration under the specific state acts.\n\nThe searches were bounded public-source searches, not a commercial citator, paid docket, trial-court universe, administrative-file review, or records request.\n\n## Not read or not performed\n\n- Any actual provider’s consumer agreement, amendment, disclosure, budget worksheet, e-signature certificate, audit log, portal presentation, cancellation notice, arbitration clause, assignment, or regulator filing.\n- Any nonpublic Secretary of State approval, examiner manual, deficiency letter, interpretive correspondence, or enforcement file.\n- A complete general Nebraska contract-law, unconscionability, novation, assignment, severability, forum-selection, or choice-of-law survey.\n- Full funds-return, bond, insurance, bankruptcy, remedies, collections, litigation, limitations, garnishment, secured-debt, sector, local, tribal, or international analysis.\n- Named-provider registration, contract approval, or operational compliance.\n- Any Deep Research, Work, Codex research generation, API, purchase, filing, account action, regulator/company contact, records request, private borrower-data access, website action, publication, Chrome control, other chat, CAPTCHA bypass, or security workaround.\n\n**Focused disposition:** Nebraska’s licensed DMP contract is mandatory but comparatively sparse: budget suitability, complete written debt/creditor terms, immediate copy, clear cancellation/prepayment wording, debtor approval, and delayed effectiveness. The CSO agreement package is detailed and formal, with a precontract statement, buyer acknowledgment, signed contract, prescribed cancellation language and forms, copies at signing, and nonwaivable state rights. Electronic execution is possible only through UETA/E-SIGN predicates and does not solve missing content or uncertain cancellation-form equivalence. Assignment, unilateral amendment, electronic cancellation, exact FCRA reconciliation, and the complete current Title 433 layer remain expressly held.\n\nEND S_NE PASS-06.\n\n","tables":[{"headers":["Model","Governing agreement path established in this pass","Pre-agreement requirement","Execution/effectiveness","Result and principal hold"],"index":0,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+1"}],"row_links":[[],[],[],[],[],[],[],[],[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+1"}],[]],"rows":[["Model","Governing agreement path established in this pass","Pre-agreement requirement","Execution/effectiveness","Result and principal hold"],["Licensed custodial Chapter 69 DMP","Written Chapter 69 contract","Written, thorough budget analysis must indicate the debtor can reasonably meet required payments","Contract must be fully completed; debtor approval required; true copy furnished immediately; not effective until payment to licensee for creditor distribution","Agreement path established. Debtor signature is contemplated by §69-1214, but Chapter 69 does not separately prescribe signature mechanics or a provider signature. C001–C013"],["Custodial compromise/settlement performed by Chapter 69 licensee","Same Chapter 69 contract architecture","Same suitability analysis; compromised debts and creditors must remain accurately listed","Same approval/effectiveness sequence","Conditional established path. Prior classification and fee holds remain."],["Genuinely noncustodial negotiation-only service","Chapter 69 contract duties do not plainly attach unless the custody/“evidences thereof” element is met","No alternative Nebraska settlement-agreement statute was established here","Actual service legality and agreement requirements under other law remain open","No affirmative agreement pathway established. Account/control classification remains held."],["Fee-based counseling without receiving creditor-distribution money","May be outside Chapter 69; may enter CSO Act if paid credit-improvement, credit-obtaining, or related-advice representations are made","Depends on actual representations and exemption","CSO agreement package applies only if covered and nonexempt","Conditional classification. A counseling label is not dispositive."],["Covered Nebraska CSO—credit improvement/advice","§§45-807 and 45-808 disclosure-and-contract package","Written disclosure before contract or receipt of value; buyer-signed acknowledgment retained two years","Written, dated, buyer-signed contract; cancellation notice near signature; two detachable forms; copies at signing","Prescriptive state path established. C018–C032"],["Covered Nebraska CSO—obtaining credit","Same agreement package","Same disclosures","Same contract rules; prior fee-timing restriction remains separate","Conditional path. The agreement does not authorize advance payment."],["Chapter 69 licensee offering only in-scope DMP services","Chapter 69 contract; CSO exemption text may prevent duplicate state CSO package","Same Chapter 69 budget/contract path","Same Chapter 69 effectiveness","Conditional. The exemption belongs to the licensed person and does not automatically cover an affiliate or separate out-of-scope credit-repair product."],["Hybrid entity selling DMP plus separately marketed credit repair","Potentially both regimes unless the exact entity/activity is exempt","Activity-by-activity classification","Separate documents may be required; one generic “financial services agreement” is not proven sufficient","Held. Actual legal entity, representations, services, and exemption evidence required."],["Attorney, nonprofit, bank, collection agency, or affiliate model","Exemption only if every statutory element and scope condition is proved","Label or relationship alone insufficient","Any nonexempt activity retains applicable agreement duties","Conditional only. CSO claimant bears exemption burden; Chapter 69 regular-course conditions remain. \nNebraska Legislature\n+1"],["Remote/electronic DMP or CSO enrollment","Same substantive agreement requirements plus UETA and potentially E-SIGN","Electronic-consent and access conditions may apply","Electronic signature/record possible if intent, attribution, retention, format, delivery, and consent requirements are met","Conditional. Remote headquarters and electronic form do not eliminate Nebraska duties."]]},{"headers":["Clause or subject","What Chapter 69 affirmatively requires","What was not established"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Clause or subject","What Chapter 69 affirmatively requires","What was not established"],["Parties","Written contract between the licensee and debtor","No prescribed provider-name, license-number, telephone, email, or complaint-contact clause"],["Adjusted obligations","Complete list of debtor obligations to be adjusted","No statutory formatting, balance-date, account-number, or secured/unsecured label requirement"],["Creditors","Complete list of creditors holding those obligations","No express creditor address, contact, refusal, acceptance, or participation-status disclosure"],["Services","Agreement must constitute the debt-management arrangement; complete contract required","No detailed statutory service-description clause comparable to the CSO Act"],["Charges","Total charges agreed for licensee’s services; applicable fee and cancellation/prepayment terms","Prior fee amount, earning, initial-payment, and cancellation-characterization holds remain unchanged"],["Contract dates","Beginning and expiration dates","No separate milestone or creditor-payment schedule requirement"],["Term","No longer than 36 months","No verified automatic extension or renewal authority"],["Cancellation/prepayment","Settlement provision clearly stated","No Chapter 69 statutory cooling-off period, detachable form, notice method, or refund deadline verified"],["Debtor approval","Program must be arranged and approved by debtor before fee entitlement","No statutory approval form or prescribed wording"],["Effectiveness","No effectiveness until debtor payment to licensee for creditor distribution","Formation, signature, approval, and effectiveness are distinct events"],["Copy","True copy furnished immediately","No statutory definition of “immediately” or express paper-only requirement"],["Completion before signing","Contract/agreement to be signed by debtor must be fully and completely filled in and finished","Later backfilling of blanks is not authorized"],["Statements/access","Requested 90-day written statement or verbal accounting is a statutory duty","Statute does not say this right must appear in the contract"],["Records","Contract, extensions, payments, disbursements, and charges retained as separately prescribed","Full retention analysis remains with the separate funds pass"],["Complaints","None verified as mandatory agreement language","No required SOS/AG complaint notice or internal dispute process found"],["Account/third parties","None verified as mandatory agreement language","No required contract term on bank, administrator, processor, ACH authority, account ownership, or creditor-control rights found"],["Risk warnings","None verified","No mandatory warning on credit effects, creditor lawsuits, tax effects, collection activity, creditor nonparticipation, or program failure found"],["Language/readability","None generally prescribed","No translation, language-selection, reading-grade, font-size, or plain-language standard verified"],["Arbitration/choice of law","No Chapter 69-specific clause required or prohibited","General arbitration and contract law apply; actual clause remains held"]]},{"headers":["Required disclosure subject","Nebraska requirement","Precision or currentness issue"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Required disclosure subject","Nebraska requirement","Precision or currentness issue"],["Services","Complete and detailed description","Must precede contract/payment"],["Total cost","Total cost of the services","Not merely a percentage or example"],["Security claim","Explanation of buyer’s right to proceed against bond or surety account","Does not guarantee recovery"],["Security identity","Surety name/address or depository, trustee, and account number","Actual security must be used"],["FCRA file review","Complete and accurate statement of right to review CRA file","Must reflect current federal law"],["Post-denial report","State statute says no-charge review upon request within 30 days after denial notice","Current FCRA uses 60 days"],["Other report charges","State statute says minimal charge at other times","Current FCRA also provides annual free disclosure and other free categories"],["Dispute rights","Complete and accurate direct-dispute statement","Must not imply the provider is required to exercise the right for the buyer"],["Accurate information","Accurate information cannot be permanently removed","Must not be contradicted by marketing promises"],["Obsolescence","Complete and accurate statement of when information becomes obsolete and may not be reported","Must be current and fact-specific"],["Nonprofit counseling","Complete and accurate statement of availability","No mandated list or referral organization identified"]]},{"headers":["Contract element","Exact state requirement","Important limit"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Contract element","Exact state requirement","Important limit"],["Form","Written and dated","Electronic form is possible only through UETA/E-SIGN"],["Signature","Signed by buyer","No express provider-signature requirement"],["Cancellation statement","Conspicuous; immediately adjacent to buyer signature space; exact statutory substance","Electronic layout must preserve proximity and conspicuousness"],["Payment terms","Terms and conditions plus total of all payments to CSO or any other person","Does not itself authorize payment timing"],["Services","Full and detailed description","Generic “credit assistance” is insufficient"],["Guarantees","All guarantees included","False/misleading guarantees separately prohibited"],["Refund promises","All promises of full or partial refund included","A promise cannot reduce statutory cancellation rights"],["Performance estimate","Estimated duration, not exceeding 180 days","No located decision establishes every consequence of exceeding the estimate"],["Provider address","Principal business address","Remote location does not eliminate Nebraska requirements"],["Service agent","Name/address of Nebraska agent for service","Must reflect actual agent"],["Cancellation forms","Two easily detachable copies attached; bold statutory form","Electronic equivalent remains unresolved"],["Consumer copies","Completed contract and every other signed document given when signed","Later portal availability is not automatically equivalent"],["Breach","Contract breach or breach of a contract obligation is an Act violation","May trigger statutory remedies; full remedies are later work"]]},{"headers":["Subject","Nebraska CSO Act","Federal CROA, when applicable","Combined operational effect"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subject","Nebraska CSO Act","Federal CROA, when applicable","Combined operational effect"],["Precontract disclosure","Written statement before contract or value; no express separate-document command","Prescribed disclosure before contract, as a separate document from contract and other materials","Preserve the federal separation requirement"],["Acknowledgment","Exact buyer-signed copy retained two years","Consumer-signed acknowledgment retained two years","One process may potentially evidence both only if every separate-content/form rule is met"],["Contract","Written, dated, buyer-signed","Written, dated, consumer-signed","Both"],["Service commencement","No express state cooling-off service pause found","No services before end of three-business-day period beginning on signing date","Federal pause controls when applicable"],["Cancellation period","Before midnight of third day after signing","Before midnight of third business day beginning after execution/enforceability","Apply the longer applicable protection rather than collapsing “day” into “business day”"],["Cancellation notice","Two detachable copies; mail/deliver form or other writing","Duplicate federal notice; mail/deliver form or other writing","Both forms/contents may be needed"],["Copy delivery","Completed contract and all signed documents at signing","Contract, federal disclosure, and all signed documents at signing","Both"],["Performance estimate","State estimate cannot exceed 180 days","Completion date or service period estimate; no 180-day wording in federal provision","State limit remains independently relevant"],["Waiver","State rights cannot be waived","Federal rights cannot be waived; noncompliant contract void and unenforceable","Arbitration may still be possible, but substantive rights remain"],["State-law preservation","State statute governs independently","CROA preserves state law except to extent inconsistent","Compliance with one does not replace the other"]]},{"headers":["Electronic issue","Verified Nebraska rule","Consequence for DMP/CSO workflows"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Electronic issue","Verified Nebraska rule","Consequence for DMP/CSO workflows"],["Agreement to electronic dealings","UETA applies only when each party agreed to conduct the transaction electronically; context and conduct matter","A buried website term or provider preference is not automatically enough"],["Right to refuse","Agreement to one electronic transaction does not force all later transactions to be electronic; right not waivable","Paper cancellation or records cannot automatically be refused"],["Writing","Electronic record can satisfy writing","Only if the full substantive agreement is present"],["Signature","Electronic signature can satisfy signature","Requires sound/symbol/process attached or logically associated and adopted with intent"],["Attribution","Electronic act must be attributable to the person; security procedures and context are evidence","Audit logs, authentication, timestamps, and record linkage matter"],["Retainability","Required written information must be capable of retention at receipt","Blocking printing/download makes the record unenforceable against the recipient"],["Required format/method","Other law’s prescribed display, method, and formatting requirements remain","Bold, proximity, attachment, and notice-form requirements cannot be discarded"],["Automated contract","Contract may form through electronic agents if individual is free to refuse and knows action will complete transaction","“Continue” must meaningfully signal contractual effect"],["Error correction","Individual may avoid certain automated errors where no correction opportunity existed and prompt remedial conditions are met","Review screen and error-correction controls matter"],["Retention","Electronic copy must accurately reflect final record and remain accessible","Editable database fields without a final immutable version are risky"],["Sending/receipt","UETA specifies when an electronic record enters a designated, processable system; awareness is not required","Does not itself prove that email is an authorized statutory cancellation method"]]},{"headers":["Issue","DMP result","CSO result","Current disposition"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","DMP result","CSO result","Current disposition"],["Consumer cancellation window","No Chapter 69 cooling-off period verified; contract must clearly state cancellation/prepayment settlement","Three-day state right; two notice forms; payment return in ten days after receipt","Federal overlays remain separate"],["Provider termination","No specific Chapter 69 termination notice or procedure verified","No specific provider-termination clause verified","Actual contract and other law required"],["Fee change","Form/template change reported to SOS within 30 days; consumer assent procedure not stated","Changed payment terms must remain in compliant contract; unilateral change authority not stated","Cannot infer assent from silence"],["Debt addition/removal","Operative agreement must still contain complete obligations and creditors","Relevant only if it changes described services/payments","Exact amendment/signature/copy procedure held"],["Service change","May constitute template amendment; must preserve complete agreement","Full service description must remain accurate","Material undisclosed change risks noncompliance"],["Assignment","License nonassignable; contract assignment not resolved","No express assignment rule","Assignee’s authorization, disclosures, and consent remain required"],["Waiver/release","No express Chapter 69 antiwaiver clause identified","Any waiver of an Act right is void","A DMP waiver is not automatically valid merely because no express clause was found"],["Arbitration","No DMP-specific prohibition","No CSO-specific prohibition; nonwaivable rights remain","General state and federal arbitration law applies"],["Choice of law","No required or prohibited clause located","Clause cannot safely be treated as eliminating Nebraska nonwaivable rights","Enforceability fact-specific and held"],["Forum selection","No specific Chapter 69 rule located","No specific CSO rule located","Full civil-procedure/enforceability analysis excluded"],["Complaints","No contract complaint procedure verified","No contract complaint procedure verified","Public agency contact information is not a mandated contract clause"],["Severability","No required clause located","No required clause located","Cannot save a substantively noncompliant agreement automatically"]]},{"headers":["Event","Chapter 69 DMP","Nebraska CSO","Conditional federal overlay"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","Chapter 69 DMP","Nebraska CSO","Conditional federal overlay"],["Initial inquiry","No agreement yet","No contract yet","Advertising/TSR/CROA coverage remains separately held"],["Suitability review","Written thorough budget analysis before accepting account","No statutory budget test","—"],["Precontract disclosure","No separate disclosure statement verified","§45-807 statement before contract or value","CROA separate disclosure before contract, if covered"],["Contract preparation","All required DMP fields complete","All mandatory CSO terms and attached forms complete","Federal terms added where applicable"],["Signature","Debtor signature contemplated; mechanics not separately prescribed","Buyer signature expressly required","Consumer signature expressly required under CROA"],["Copy delivery","True copy immediately","Completed contract and all signed documents at signing","Contract, disclosure, all signed documents at signing"],["Program approval","Debtor must approve arranged DMP","Not a separate statutory step","—"],["Contract effectiveness","Delayed until creditor-distribution payment to licensee","Signed contract subject to state cancellation right","CROA bars service during federal three-business-day period"],["First service","Depends on effective DMP and other law","State Act does not expressly pause service","Federal CROA pause when applicable"],["Debt added or removed","Complete obligation/creditor list must remain accurate","Amend service/payment description if materially affected","Electronic-consent scope may matter"],["Template modified","Notify SOS within 30 days","No consumer-form filing requirement verified","Preserve federal terms"],["Buyer cancels","Contract’s clear cancellation settlement applies; no state cooling-off rule verified","Written notice by state deadline; return any payment within ten days after receipt","Longer/independent federal right applies when covered"],["Provider terminates","No specific procedure verified","No specific procedure verified; contract breach is Act violation","Other federal/contract law may apply"],["Assignment","License cannot be assigned; contract assignment unresolved","No express assignment process","Actual assignee and federal obligations must be tested"],["Record retention","DMP record duties separately established","Signed disclosure copy two years; other signed-document obligations","Electronic record must remain accurate/accessibly reproducible"]]},{"headers":["Source ID","Title, issuer, literal URL, and exact pinpoint","Version/effective status; access classification","Use and limitations"],"index":8,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204","text":"Nebraska Legislature\n+4"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+5"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-620","text":"Nebraska Legislature\n+10"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/","text":"U.S. Code\n+5"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/","text":"U.S. Code\n+4"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/","text":"U.S. Code"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01","text":"Nebraska Legislature\n+1"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB","text":"Nebraska.gov\n+3"},{"href":"https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf","text":"Supreme Court\n+3"},{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State\n+2"},{"href":"https://sos.nebraska.gov/licensing/credit-services-organizations","text":"Nebraska Secretary of State\n+2"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204","text":"Nebraska Legislature\n+4"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+5"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-620","text":"Nebraska Legislature\n+10"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/","text":"U.S. Code\n+5"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/","text":"U.S. Code\n+4"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/","text":"U.S. Code"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01","text":"Nebraska Legislature\n+1"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB","text":"Nebraska.gov\n+3"}],[{"href":"https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf","text":"Supreme Court\n+3"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State\n+2"}],[{"href":"https://sos.nebraska.gov/licensing/credit-services-organizations","text":"Nebraska Secretary of State\n+2"}],[],[]],"rows":[["Source ID","Title, issuer, literal URL, and exact pinpoint","Version/effective status; access classification","Use and limitations"],["S_NE-P06-S001","Nebraska Debt Management Act—agreement provisions, 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 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsection (4); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 license nontransferability; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212 complete operative paragraph; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213 subsections (1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 subsection (3) and related prohibitions.","Official current codification freshly read October 26, 2026 Pacific. Section source histories vary; no complete session-law or rule-history audit.","Controlling state statutory source. Same document family as P1, freshly read for this agreement component. Sections are not counted as independent authorities. \nNebraska Legislature\n+4"],["S_NE-P06-S002","Nebraska Credit Services Organization Act—agreement provisions, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802 definitions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804 prohibited representations/payment branches; https://nebraskalegislature.gov/laws/statutes.php?statute=45-807 complete disclosure section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808 complete contract/cancellation section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809 waiver.","Official current codification freshly read October 26, 2026. §§45-807–45-809 show 1991 enactment history; §45-804 includes later amendments.","Controlling conditional CSO source. Coverage and exemptions remain model-specific. \nNebraska Legislature\n+5"],["S_NE-P06-S003","Nebraska Uniform Electronic Transactions Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=86-620; ...=86-621; ...=86-630; ...=86-632; ...=86-634; ...=86-635; ...=86-636; ...=86-637; ...=86-639; ...=86-641; ...=86-642. Exact clauses: definitions; scope; agreement to transact electronically; legal recognition; retainability/format; attribution; error; retention; automated transactions; sent/received rules.","Official current codification freshly read October 26, 2026. Source histories principally 2000 LB929 and 2002 recodification.","General electronic-transaction law; does not alter substantive DMP/CSO content or prove a particular workflow. \nNebraska Legislature\n+10"],["S_NE-P06-S004","Electronic Signatures in Global and National Commerce Act, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s7001/ §§7001(a)–(f); https://uscode.house.gov/us/usc/119-124/t15/s7002/; https://uscode.house.gov/us/usc/119-124/t15/s7003/; https://uscode.house.gov/us/usc/119-124/t15/s7006/.","U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Applies conditionally to interstate/foreign-commerce transactions and statutory consumers. Does not establish that every Nebraska debtor is within every E-SIGN consumer provision. \nU.S. Code\n+5"],["S_NE-P06-S005","Federal Credit Repair Organizations Act—agreement provisions, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1679c/; .../s1679d/; .../s1679e/; .../s1679f/; .../s1679j/. Exact clauses: separate disclosure, acknowledgment retention, written contract, service pause, contract terms, cancellation, copies, nonwaiver, voidness, state-law preservation.","U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Conditional federal overlay only. Actual CROA entity, representations, jurisdiction, and exemptions remain held. \nU.S. Code\n+4"],["S_NE-P06-S006","15 U.S.C. §1681j—Charges for certain disclosures, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681j/, subsections (a), (b), and amendment history.","U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Used only to identify the current 60-day and annual-free-report rights and the historical 30-day wording. Not a complete FCRA pass. \nU.S. Code"],["S_NE-P06-S007","Nebraska Uniform Arbitration Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01; https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02. Exact clauses: validity/voluntary agreement and special notice for standardized sole-remedy arbitration.","Official current codification freshly read October 26, 2026.","General arbitration law, not DMP/CSO-specific contract approval. \nNebraska Legislature\n+1"],["S_NE-P06-S008","Aramark Uniform & Career Apparel, Inc. v. Hunan, Inc., Nebraska Supreme Court, 276 Neb. 700, 757 N.W.2d 205 (2008). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB. Relevant printed/report pages 703–704 and 707–708; zero-based PDF indices 4 and 8.","Published final opinion; PDF freshly read and relevant pages visually inspected October 26, 2026.","Holding concerns FAA preemption of Nebraska arbitration-specific notice in an interstate service contract. Not a DMP/CSO case. \nNebraska.gov\n+3"],["S_NE-P06-S009","CompuCredit Corp. v. Greenwood, U.S. Supreme Court, 565 U.S. 95 (2012). https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf. Holding at printed U.S. Reports pp. 95–96 and 104; zero-based PDF indices 308 and 317.","Published final U.S. Supreme Court opinion; relevant pages freshly read and visually inspected October 26, 2026.","Holds CROA does not contain a contrary command displacing the FAA. Does not validate every clause. \nSupreme Court\n+3"],["S_NE-P06-S010","Nebraska SOS Debt Management Agencies page and License Application. https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based PDF index 0, lines 45–52.","Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected.","Shows listed forms and blank-contract/change instruction. Public form is not an approved consumer agreement or issued approval. \nNebraska Secretary of State\n+2"],["S_NE-P06-S011","Nebraska SOS Credit Services Organizations page and Registration Form. https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based PDF index 0, lines 22–42.","Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected.","Registration/security form only. It is not a consumer disclosure, contract checklist, or approved cancellation form. \nNebraska Secretary of State\n+2"],["S_NE-P06-S012","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.","Reused access history, not fresh P06 access. P2 identified Title 433 on the index; dynamic catalog produced a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document viewing/extraction histories remain separately attributed.","No complete current agreement/disclosure rule, adoption order, or interpretation authenticated. This is not proof that none exists."],["S_NE-P06-S013","Bounded official-source searches: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature and Secretary of State domain searches for §§69-1209, 69-1214, 45-807, 45-808, debt-management agreement, CSO agreement, electronic cancellation, assignment, and arbitration.","Search-only work October 26, 2026.","No directly controlling Nebraska DMP/CSO agreement opinion or additional public model contract was located. Not an exhaustive commercial citator, trial docket, administrative file, or records request."]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequences, and confidence"],"index":9,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-802","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-809","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-807","text":"Nebraska 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Legislature\n+2"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-635","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-636","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-637","text":"Nebraska Legislature\n+1"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-639","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=86-642","text":"Nebraska Legislature"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/","text":"U.S. Code\n+1"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s7001/","text":"U.S. Code\n+2"}],[],[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679c/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679d/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679e/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679f/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1679j/","text":"U.S. Code"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02","text":"Nebraska Legislature"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB","text":"Nebraska.gov\n+1"}],[{"href":"https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf","text":"Supreme Court\n+1"}],[],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies","text":"Nebraska Secretary of State\n+1"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf","text":"Nebraska Secretary of State\n+1"}],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequences, and confidence"],["S_NE-P06-C001","Chapter 69 agreement duties attach only after the statutory debt-management model is classified as covered.","S001, §69-1201(1).","High for text; noncustodial, “evidences thereof,” remote, and administrator questions remain held."],["S_NE-P06-C002","Before accepting an account, a licensee needs a written, thorough budget analysis indicating that required payments are reasonably affordable.","S001, §69-1213(4). \nNebraska Legislature","High. No numeric suitability test verified."],["S_NE-P06-C003","A covered DMP requires a written contract between licensee and debtor.","S001, §69-1209. \nNebraska Legislature","High."],["S_NE-P06-C004","DMP contract must list all adjusted obligations, all creditors, total charges, and beginning/expiration dates.","S001, §69-1209. \nNebraska Legislature","High."],["S_NE-P06-C005","DMP contract term may not exceed 36 months.","S001, §69-1209. \nNebraska Legislature","High; no extension mechanism verified."],["S_NE-P06-C006","Licensee must immediately furnish debtor a true copy.","S001, §69-1209. \nNebraska Legislature","High; exact elapsed-time meaning unresolved."],["S_NE-P06-C007","A debtor-signed DMP agreement must be fully completed before execution.","S001, §69-1214(3). \nNebraska Legislature","High. Later backfilling not authorized."],["S_NE-P06-C008","Chapter 69 contemplates debtor signature but does not separately prescribe signature-block, provider-signature, witness, notarization, or date mechanics.","S001, §§69-1209, 69-1214(3).","High for absence in reviewed text; current-rule gap preserved."],["S_NE-P06-C009","Cancellation/prepayment settlement must be clearly stated in the DMP contract.","S001, §69-1212. \nNebraska Legislature","High. Prior amount/earning interpretations remain held."],["S_NE-P06-C010","No DMP fee entitlement exists until program arranged and approved by debtor; contract is ineffective until a creditor-distribution payment is made to licensee.","S001, §69-1212. \nNebraska Legislature","High; modern payment-structure classification remains held."],["S_NE-P06-C011","Blank intended DMP contract is filed with the license application; form changes/amendments reported within 30 days after change.","S001, §69-1204(4); S010 application p.1/index0. \nNebraska Legislature\n+1","High."],["S_NE-P06-C012","Filing the blank DMP form is not statutory contract approval or safe harbor.","S001, §69-1204(4).","High textual conclusion. No approval language found."],["S_NE-P06-C013","Chapter 69 does not verify mandatory contract clauses for creditor refusal, credit damage, tax risk, lawsuits, account control, processors, complaints, or arbitration.","S001; S012 gap.","Partial/HOLD. No complete current Title 433 universe."],["S_NE-P06-C014","Requested statement/accounting duty exists but is not expressly required as contract text.","S001, §69-1213(3). \nNebraska Legislature","High for distinction."],["S_NE-P06-C015","No Chapter 69 statutory cooling-off period was verified.","S001, §§69-1209, 69-1212.","Partial/HOLD due current-rule gap and possible federal overlays."],["S_NE-P06-C016","Chapter 69 license is nontransferable/nonassignable; consumer-contract assignment is not expressly resolved.","S001, §69-1207(3).","High for license; contract-assignment result held."],["S_NE-P06-C017","Individual debt additions/removals must preserve the complete-list requirement, while template amendments trigger the 30-day SOS notice.","S001, §§69-1204(4), 69-1209.","High as distinction; exact amendment-signature process held."],["S_NE-P06-C018","Nebraska CSO status is conditional on paid credit-improvement, credit-obtaining, or related-advice activity and absence of exemption.","S002, §§45-802–45-803. \nNebraska Legislature\n+1","High."],["S_NE-P06-C019","CSO disclosure must precede contract execution or receipt of value.","S002, §45-807(1). \nNebraska Legislature","High."],["S_NE-P06-C020","State disclosure must cover services, total cost, security rights/details, FCRA rights, disputes, accurate information, obsolescence, and nonprofit counseling.","S002, §45-807(1)(a)–(i). \nNebraska Legislature","High."],["S_NE-P06-C021","CSO retains an exact buyer-signed acknowledgment copy for two years.","S002, §45-807(2). \nNebraska Legislature","High."],["S_NE-P06-C022","Nebraska’s 30-day/minimal-charge credit-report wording is materially incomplete compared with current FCRA’s 60-day and annual-free rights.","S002, §45-807(1)(e); S006, §1681j(a)–(b). \nNebraska Legislature\n+1","High for textual mismatch; exact reconciled wording held."],["S_NE-P06-C023","CSO contract must be written, dated, and signed by buyer.","S002, §45-808(1). \nNebraska Legislature","High. No express provider-signature rule."],["S_NE-P06-C024","Statutory cancellation warning must be conspicuous and immediately next to buyer signature space.","S002, §45-808(1)(a). \nNebraska Legislature","High."],["S_NE-P06-C025","CSO contract must state all payment terms, total payments to provider/others, detailed services, guarantees, refund promises, capped estimate, principal address, and Nebraska service agent.","S002, §45-808(1)(b)–(d). \nNebraska Legislature","High."],["S_NE-P06-C026","Contract must have two easily detachable bold cancellation forms attached.","S002, §45-808(3). \nNebraska Legislature","High for paper text; electronic equivalent unresolved."],["S_NE-P06-C027","Nebraska CSO cancellation is within three days after signing, not three business days.","S002, §45-808(1)–(3). \nNebraska Legislature","High. Weekend/holiday counting not resolved."],["S_NE-P06-C028","Cancellation may use signed/dated form or other written notice mailed/delivered by deadline; payment returned within ten days after receipt.","S002, §45-808(2)–(3). \nNebraska Legislature","High. Electronic method remains held."],["S_NE-P06-C029","Buyer receives completed contract and every document provider required buyer to sign at signing.","S002, §45-808(4). \nNebraska Legislature","High."],["S_NE-P06-C030","Breach of CSO contract or contract obligation is an Act violation.","S002, §45-808(5). \nNebraska Legislature","High. Full remedies remain later."],["S_NE-P06-C031","Attempted waiver of any CSO Act right is forbidden and purported waiver void.","S002, §45-809. \nNebraska Legislature","High."],["S_NE-P06-C032","Nebraska does not expressly require state CSO disclosure to be separate from all other writings; CROA does when applicable.","S002, §45-807; S005, §1679c(b). \nNebraska Legislature\n+1","High for contrast."],["S_NE-P06-C033","No express Nebraska CSO amendment, assignment, or provider-termination procedure was verified.","S002, §§45-807–45-809; S012 gap.","Partial/HOLD."],["S_NE-P06-C034","UETA applies to electronic transactions only when each party agreed to transact electronically.","S003, §86-632. \nNebraska Legislature","High."],["S_NE-P06-C035","Electronic writing/signature may satisfy writing/signature requirements but cannot cure missing substantive terms.","S003, §§86-621, 86-634, 86-630(4). \nNebraska Legislature\n+2","High."],["S_NE-P06-C036","Required electronic information must be retainable; statutory format/method remains preserved.","S003, §86-635. \nNebraska Legislature","High."],["S_NE-P06-C037","Electronic signature must be attributable to the person; context, agreement, and security procedures matter.","S003, §86-636. \nNebraska Legislature","High."],["S_NE-P06-C038","Automated transactions remain subject to knowledge/refusal and error-correction rules.","S003, §§86-637, 86-641. \nNebraska Legislature\n+1","High."],["S_NE-P06-C039","Electronic retention must accurately reflect final record and remain accessible.","S003, §86-639. \nNebraska Legislature","High."],["S_NE-P06-C040","UETA defines electronic sent/received events, but receipt acknowledgment does not prove content correspondence.","S003, §86-642. \nNebraska Legislature","High."],["S_NE-P06-C041","E-SIGN consumer disclosures require affirmative consent after paper-option, withdrawal, scope, copy, fee, and technology disclosures, plus demonstrated access.","S004, §7001(c)(1). \nU.S. Code\n+1","High when E-SIGN consumer provisions apply."],["S_NE-P06-C042","E-SIGN preserves disclosure content, timing, proximity, and retainability.","S004, §7001(b), (c)(2), (d)–(f). \nU.S. Code\n+2","High."],["S_NE-P06-C043","Electronic equivalent of two “easily detachable” state cancellation forms is unresolved.","S002, §45-808(3); S003, §86-635(2).","HOLD. No controlling interpretation located."],["S_NE-P06-C044","Email/portal cancellation is not conclusively established as statutory “mail or deliver” notice.","S002, §45-808(3); S003, §§86-635, 86-642.","HOLD."],["S_NE-P06-C045","CROA requires its prescribed disclosure before contract and as a separate document, with signed acknowledgment retained two years.","S005, §1679c. \nU.S. Code","High when CROA applies."],["S_NE-P06-C046","CROA requires written/date/consumer-signed contract and bars services before federal three-business-day period ends.","S005, §1679d. \nU.S. Code","High when covered."],["S_NE-P06-C047","CROA provides three-business-day cancellation, duplicate form, and copies at signing.","S005, §1679e. \nU.S. Code","High."],["S_NE-P06-C048","CROA waivers are void and noncompliant contracts are void and unenforceable.","S005, §1679f. \nU.S. Code","High."],["S_NE-P06-C049","CROA preserves state law except to the extent of inconsistency.","S005, §1679j. \nU.S. Code","High."],["S_NE-P06-C050","Nebraska sole-remedy standardized arbitration agreement ordinarily requires special adjoining-signature warning.","S007, §25-2602.02. \nNebraska Legislature","High under Nebraska law."],["S_NE-P06-C051","Aramark holds FAA preempts that Nebraska arbitration-only warning for an interstate-commerce contract.","S008, pp.703–704, 707–708/index4,8. \nNebraska.gov\n+1","High for holding; application fact-specific."],["S_NE-P06-C052","CompuCredit holds CROA does not categorically displace FAA arbitration.","S009, 565 U.S. 95–96, 104/index308,317. \nSupreme Court\n+1","High for federal holding."],["S_NE-P06-C053","No DMP/CSO-specific Nebraska arbitration or choice-of-law approval was established.","S013 limited search.","Limited negative result."],["S_NE-P06-C054","Current public SOS pages do not display a model DMP contract, CSO consumer disclosure, or model cancellation packet.","S010–S011. \nNebraska Secretary of State\n+1","High for page contents on access date; not proof no nonpublic form exists."],["S_NE-P06-C055","DMP public application repeats blank-contract and 30-day change filing; CSO registration form is not a consumer-agreement checklist.","S010 application p.1/index0; S011 form p.1/index0. \nNebraska Secretary of State\n+1","High for forms."],["S_NE-P06-C056","Complete current Title 433 agreement/disclosure rules remain unauthenticated.","S012.","HOLD. No “no rule exists” conclusion."],["S_NE-P06-C057","No directly controlling Nebraska DMP/CSO agreement decision was located in the bounded public search.","S013.","Limited negative search, not proof of absence."]]},{"headers":["Agreement issue","Status","Claim IDs","Missing evidence or next action"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Agreement issue","Status","Claim IDs","Missing evidence or next action"],["Chapter 69 model trigger","Answered textually; application held","C001","Actual custody/control, debtor, service, and entity facts"],["DMP pre-enrollment budget","Answered","C002","Current rule or formal interpretation defining “thorough” and “reasonably meet”"],["DMP written contract","Answered","C003","Actual signed agreement for provider-specific review"],["DMP obligations/creditors","Answered","C004","Current balances, identification format, individual amendment method"],["DMP term","Answered","C005","Extension/renewal authority not verified"],["DMP immediate copy","Answered; timing precision partial","C006","Authority defining “immediately” and acceptable proof of delivery"],["DMP completed before signing","Answered","C007","Remedies for violation later"],["DMP debtor signature","Partial","C008","Current rule, approved-form instruction, or controlling decision"],["DMP provider signature","Not established","C008","Same"],["DMP cancellation/prepayment clause","Answered as mandatory term","C009","Prior amount/earning and return questions remain preserved"],["DMP approval/effectiveness","Answered","C010","Modern third-party payment/account classification"],["DMP form filing","Answered","C011–C012","Evidence of actual filed version or agency approval excluded"],["DMP creditor-refusal disclosure","Not verified","C013","Current Title 433/formal guidance"],["DMP credit/tax/litigation risk disclosures","Not verified","C013","Current rules or sector-specific law"],["DMP payment/performance schedule clause","Not verified beyond dates/charges","C004, C013","Rule or approved-form instruction"],["DMP account/administrator clause","Not verified","C013","Agreement/funds pass and actual contracts"],["DMP statement right in contract","Not required by verified text","C014","Rule/formal guidance could add requirement"],["DMP complaint procedure","Not verified","C013","Current rule or agency instruction"],["DMP cooling-off period","Not verified under state act","C015","Current rule and transaction-specific federal overlay"],["DMP template modification","Answered","C011, C017","Exact filing mechanics and proof"],["DMP individual debt amendment","Partial","C017","Signature/copy/consent process"],["DMP assignment","Partial","C016","Actual clause, assignee license, novation law, consent"],["DMP waiver/release","Unresolved","—","General contract law and specific clause"],["CSO scope","Answered conditionally","C018","Actual representations, payment, entity, exemption proof"],["CSO precontract timing","Answered","C019","Actual delivery evidence"],["CSO disclosure contents","Answered","C020","Current finalized disclosure language"],["CSO signed acknowledgment","Answered","C021","Actual signed record"],["CSO FCRA 30/60-day mismatch","Answered as conflict/gap","C022","Formal Nebraska interpretation or legislative update"],["CSO written/date/signature","Answered","C023","Actual signature/attribution"],["CSO cancellation warning","Answered","C024","Electronic presentation implementation"],["CSO payment/services/guarantee terms","Answered","C025","Actual contract"],["CSO 180-day estimate","Answered textually","C025","Consequence of nonperformance or extension remains later"],["CSO detachable notices","Answered for paper; electronic held","C026, C043","Formal electronic-equivalence authority"],["CSO state cancellation period","Answered","C027","Weekend/holiday/counting rule not researched"],["CSO cancellation method","Answered for mail/delivery; electronic held","C028, C044","Controlling electronic-notice interpretation"],["CSO payment return","Answered","C028","Actual receipt date and payment history"],["CSO signed-document copies","Answered","C029","Actual delivery proof"],["CSO breach effect","Answered textually","C030","Full remedies later"],["CSO waiver","Answered","C031","Arbitration/release application remains fact-specific"],["CSO amendment","Unresolved","C033","Actual clause and general contract law"],["CSO assignment","Unresolved","C033","Actual entity, registration, consent, and clause"],["CSO provider termination","Unresolved","C033","Actual contract and remedies"],["Electronic agreement to transact","Answered","C034","Actual consent records"],["Electronic signature","Answered generally","C035, C037","Actual authentication and intent evidence"],["Electronic retainability","Answered","C036, C039","Actual system behavior and final record"],["Automated enrollment/error correction","Answered generally","C038","Actual user interface and error event"],["Electronic sent/received","Answered generally","C040","Statutory method and actual system evidence"],["E-SIGN consumer consent","Answered conditionally","C041–C042","Interstate transaction, consumer status, actual consent workflow"],["Electronic detachable forms","Unresolved","C043","Current Nebraska rule/case/formal guidance"],["Electronic cancellation","Unresolved","C044","Controlling case, rule, or formal interpretation"],["CROA separate disclosure","Answered conditionally","C045","Actual CROA coverage"],["CROA service pause","Answered conditionally","C046","Actual signing date and coverage"],["CROA cancellation/copies","Answered conditionally","C047","Exact notice and date facts"],["CROA nonwaiver/voidness","Answered conditionally","C048","Actual coverage and contract"],["State/federal coexistence","Answered","C049","Inconsistency analysis if clauses conflict"],["Nebraska arbitration notice","Answered","C050","Actual standardized/sole-remedy status"],["FAA preemption","Answered as doctrine","C051","Actual interstate-commerce facts"],["CROA arbitration","Answered as doctrine","C052","Actual arbitration clause and formation defenses"],["Choice of law/forum","Unresolved","C053","Actual clause and full enforceability analysis"],["Public model DMP agreement","Not located","C054","Nonpublic agency file or records request—not performed"],["Public CSO disclosure/sample","Not located","C054","Same"],["Current Title 433 agreement rules","Unresolved","C056","Accessible official current compilation, docket, and adoption orders"],["DMP/CSO controlling cases","Partial","C057","Full citator, trial-court, administrative, and enforcement research"],["Funds, principal returns, account closure","Excluded except cancellation wording","—","PASS-04 and future reviewed component"],["Bonds/security claims","Excluded","—","PASS-05 and future reviewed component"],["Full remedies, collections, litigation, limitations, secured sectors, local/tribal law","Excluded","—","Separate authorized passes"],["Named-provider agreement approval","Not performed","—","Exact entity, filed form, signed contract, and regulator record"]]}],"claims":[{"claim_id":"S_NE-P06-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C001","Precise assertion":"Chapter 69 agreement duties attach only after the statutory debt-management model is classified as covered.","Source and pinpoint":"S001, §69-1201(1).","Conditions, consequences, and confidence":"High for text; noncustodial, “evidences thereof,” remote, and administrator questions remain held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C002","Precise assertion":"Before accepting an account, a licensee needs a written, thorough budget analysis indicating that required payments are reasonably affordable.","Source and pinpoint":"S001, §69-1213(4). \nNebraska Legislature","Conditions, consequences, and confidence":"High. No numeric suitability test verified."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C003","Precise assertion":"A covered DMP requires a written contract between licensee and debtor.","Source and pinpoint":"S001, §69-1209. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C004","Precise assertion":"DMP contract must list all adjusted obligations, all creditors, total charges, and beginning/expiration dates.","Source and pinpoint":"S001, §69-1209. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C005","Precise assertion":"DMP contract term may not exceed 36 months.","Source and pinpoint":"S001, §69-1209. \nNebraska Legislature","Conditions, consequences, and confidence":"High; no extension mechanism verified."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C006","Precise assertion":"Licensee must immediately furnish debtor a true copy.","Source and pinpoint":"S001, §69-1209. \nNebraska Legislature","Conditions, consequences, and confidence":"High; exact elapsed-time meaning unresolved."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C007","Precise assertion":"A debtor-signed DMP agreement must be fully completed before execution.","Source and pinpoint":"S001, §69-1214(3). \nNebraska Legislature","Conditions, consequences, and confidence":"High. Later backfilling not authorized."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C008","Precise assertion":"Chapter 69 contemplates debtor signature but does not separately prescribe signature-block, provider-signature, witness, notarization, or date mechanics.","Source and pinpoint":"S001, §§69-1209, 69-1214(3).","Conditions, consequences, and confidence":"High for absence in reviewed text; current-rule gap preserved."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C009","Precise assertion":"Cancellation/prepayment settlement must be clearly stated in the DMP contract.","Source and pinpoint":"S001, §69-1212. \nNebraska Legislature","Conditions, consequences, and confidence":"High. Prior amount/earning interpretations remain held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C010","Precise assertion":"No DMP fee entitlement exists until program arranged and approved by debtor; contract is ineffective until a creditor-distribution payment is made to licensee.","Source and pinpoint":"S001, §69-1212. \nNebraska Legislature","Conditions, consequences, and confidence":"High; modern payment-structure classification remains held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C011","Precise assertion":"Blank intended DMP contract is filed with the license application; form changes/amendments reported within 30 days after change.","Source and pinpoint":"S001, §69-1204(4); S010 application p.1/index0. \nNebraska Legislature\n+1","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C012","Precise assertion":"Filing the blank DMP form is not statutory contract approval or safe harbor.","Source and pinpoint":"S001, §69-1204(4).","Conditions, consequences, and confidence":"High textual conclusion. No approval language found."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C013","Precise assertion":"Chapter 69 does not verify mandatory contract clauses for creditor refusal, credit damage, tax risk, lawsuits, account control, processors, complaints, or arbitration.","Source and pinpoint":"S001; S012 gap.","Conditions, consequences, and confidence":"Partial/HOLD. No complete current Title 433 universe."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C014","Precise assertion":"Requested statement/accounting duty exists but is not expressly required as contract text.","Source and pinpoint":"S001, §69-1213(3). \nNebraska Legislature","Conditions, consequences, and confidence":"High for distinction."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C015","Precise assertion":"No Chapter 69 statutory cooling-off period was verified.","Source and pinpoint":"S001, §§69-1209, 69-1212.","Conditions, consequences, and confidence":"Partial/HOLD due current-rule gap and possible federal overlays."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C016","Precise assertion":"Chapter 69 license is nontransferable/nonassignable; consumer-contract assignment is not expressly resolved.","Source and pinpoint":"S001, §69-1207(3).","Conditions, consequences, and confidence":"High for license; contract-assignment result held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C017","Precise assertion":"Individual debt additions/removals must preserve the complete-list requirement, while template amendments trigger the 30-day SOS notice.","Source and pinpoint":"S001, §§69-1204(4), 69-1209.","Conditions, consequences, and confidence":"High as distinction; exact amendment-signature process held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C018","Precise assertion":"Nebraska CSO status is conditional on paid credit-improvement, credit-obtaining, or related-advice activity and absence of exemption.","Source and pinpoint":"S002, §§45-802–45-803. \nNebraska Legislature\n+1","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C019","Precise assertion":"CSO disclosure must precede contract execution or receipt of value.","Source and pinpoint":"S002, §45-807(1). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C020","Precise assertion":"State disclosure must cover services, total cost, security rights/details, FCRA rights, disputes, accurate information, obsolescence, and nonprofit counseling.","Source and pinpoint":"S002, §45-807(1)(a)–(i). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C021","Precise assertion":"CSO retains an exact buyer-signed acknowledgment copy for two years.","Source and pinpoint":"S002, §45-807(2). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C022","Precise assertion":"Nebraska’s 30-day/minimal-charge credit-report wording is materially incomplete compared with current FCRA’s 60-day and annual-free rights.","Source and pinpoint":"S002, §45-807(1)(e); S006, §1681j(a)–(b). \nNebraska Legislature\n+1","Conditions, consequences, and confidence":"High for textual mismatch; exact reconciled wording held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C023","Precise assertion":"CSO contract must be written, dated, and signed by buyer.","Source and pinpoint":"S002, §45-808(1). \nNebraska Legislature","Conditions, consequences, and confidence":"High. No express provider-signature rule."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C024","Precise assertion":"Statutory cancellation warning must be conspicuous and immediately next to buyer signature space.","Source and pinpoint":"S002, §45-808(1)(a). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C025","Precise assertion":"CSO contract must state all payment terms, total payments to provider/others, detailed services, guarantees, refund promises, capped estimate, principal address, and Nebraska service agent.","Source and pinpoint":"S002, §45-808(1)(b)–(d). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C026","Precise assertion":"Contract must have two easily detachable bold cancellation forms attached.","Source and pinpoint":"S002, §45-808(3). \nNebraska Legislature","Conditions, consequences, and confidence":"High for paper text; electronic equivalent unresolved."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C027","Precise assertion":"Nebraska CSO cancellation is within three days after signing, not three business days.","Source and pinpoint":"S002, §45-808(1)–(3). \nNebraska Legislature","Conditions, consequences, and confidence":"High. Weekend/holiday counting not resolved."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C028","Precise assertion":"Cancellation may use signed/dated form or other written notice mailed/delivered by deadline; payment returned within ten days after receipt.","Source and pinpoint":"S002, §45-808(2)–(3). \nNebraska Legislature","Conditions, consequences, and confidence":"High. Electronic method remains held."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C029","Precise assertion":"Buyer receives completed contract and every document provider required buyer to sign at signing.","Source and pinpoint":"S002, §45-808(4). \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C030","Precise assertion":"Breach of CSO contract or contract obligation is an Act violation.","Source and pinpoint":"S002, §45-808(5). \nNebraska Legislature","Conditions, consequences, and confidence":"High. Full remedies remain later."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C031","Precise assertion":"Attempted waiver of any CSO Act right is forbidden and purported waiver void.","Source and pinpoint":"S002, §45-809. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C032","Precise assertion":"Nebraska does not expressly require state CSO disclosure to be separate from all other writings; CROA does when applicable.","Source and pinpoint":"S002, §45-807; S005, §1679c(b). \nNebraska Legislature\n+1","Conditions, consequences, and confidence":"High for contrast."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C033","Precise assertion":"No express Nebraska CSO amendment, assignment, or provider-termination procedure was verified.","Source and pinpoint":"S002, §§45-807–45-809; S012 gap.","Conditions, consequences, and confidence":"Partial/HOLD."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C034","Precise assertion":"UETA applies to electronic transactions only when each party agreed to transact electronically.","Source and pinpoint":"S003, §86-632. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C035","Precise assertion":"Electronic writing/signature may satisfy writing/signature requirements but cannot cure missing substantive terms.","Source and pinpoint":"S003, §§86-621, 86-634, 86-630(4). \nNebraska Legislature\n+2","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C036","Precise assertion":"Required electronic information must be retainable; statutory format/method remains preserved.","Source and pinpoint":"S003, §86-635. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C037","Precise assertion":"Electronic signature must be attributable to the person; context, agreement, and security procedures matter.","Source and pinpoint":"S003, §86-636. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C038","Precise assertion":"Automated transactions remain subject to knowledge/refusal and error-correction rules.","Source and pinpoint":"S003, §§86-637, 86-641. \nNebraska Legislature\n+1","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C039","Precise assertion":"Electronic retention must accurately reflect final record and remain accessible.","Source and pinpoint":"S003, §86-639. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C040","Precise assertion":"UETA defines electronic sent/received events, but receipt acknowledgment does not prove content correspondence.","Source and pinpoint":"S003, §86-642. \nNebraska Legislature","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C041","Precise assertion":"E-SIGN consumer disclosures require affirmative consent after paper-option, withdrawal, scope, copy, fee, and technology disclosures, plus demonstrated access.","Source and pinpoint":"S004, §7001(c)(1). \nU.S. Code\n+1","Conditions, consequences, and confidence":"High when E-SIGN consumer provisions apply."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C042","Precise assertion":"E-SIGN preserves disclosure content, timing, proximity, and retainability.","Source and pinpoint":"S004, §7001(b), (c)(2), (d)–(f). \nU.S. Code\n+2","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C043","Precise assertion":"Electronic equivalent of two “easily detachable” state cancellation forms is unresolved.","Source and pinpoint":"S002, §45-808(3); S003, §86-635(2).","Conditions, consequences, and confidence":"HOLD. No controlling interpretation located."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C044","Precise assertion":"Email/portal cancellation is not conclusively established as statutory “mail or deliver” notice.","Source and pinpoint":"S002, §45-808(3); S003, §§86-635, 86-642.","Conditions, consequences, and confidence":"HOLD."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C045","Precise assertion":"CROA requires its prescribed disclosure before contract and as a separate document, with signed acknowledgment retained two years.","Source and pinpoint":"S005, §1679c. \nU.S. Code","Conditions, consequences, and confidence":"High when CROA applies."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C046","Precise assertion":"CROA requires written/date/consumer-signed contract and bars services before federal three-business-day period ends.","Source and pinpoint":"S005, §1679d. \nU.S. Code","Conditions, consequences, and confidence":"High when covered."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C047","Precise assertion":"CROA provides three-business-day cancellation, duplicate form, and copies at signing.","Source and pinpoint":"S005, §1679e. \nU.S. Code","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C048","Precise assertion":"CROA waivers are void and noncompliant contracts are void and unenforceable.","Source and pinpoint":"S005, §1679f. \nU.S. Code","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C049","Precise assertion":"CROA preserves state law except to the extent of inconsistency.","Source and pinpoint":"S005, §1679j. \nU.S. Code","Conditions, consequences, and confidence":"High."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C050","Precise assertion":"Nebraska sole-remedy standardized arbitration agreement ordinarily requires special adjoining-signature warning.","Source and pinpoint":"S007, §25-2602.02. \nNebraska Legislature","Conditions, consequences, and confidence":"High under Nebraska law."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C051","Precise assertion":"Aramark holds FAA preempts that Nebraska arbitration-only warning for an interstate-commerce contract.","Source and pinpoint":"S008, pp.703–704, 707–708/index4,8. \nNebraska.gov\n+1","Conditions, consequences, and confidence":"High for holding; application fact-specific."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C052","Precise assertion":"CompuCredit holds CROA does not categorically displace FAA arbitration.","Source and pinpoint":"S009, 565 U.S. 95–96, 104/index308,317. \nSupreme Court\n+1","Conditions, consequences, and confidence":"High for federal holding."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C053","Precise assertion":"No DMP/CSO-specific Nebraska arbitration or choice-of-law approval was established.","Source and pinpoint":"S013 limited search.","Conditions, consequences, and confidence":"Limited negative result."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C054","Precise assertion":"Current public SOS pages do not display a model DMP contract, CSO consumer disclosure, or model cancellation packet.","Source and pinpoint":"S010–S011. \nNebraska Secretary of State\n+1","Conditions, consequences, and confidence":"High for page contents on access date; not proof no nonpublic form exists."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C055","Precise assertion":"DMP public application repeats blank-contract and 30-day change filing; CSO registration form is not a consumer-agreement checklist.","Source and pinpoint":"S010 application p.1/index0; S011 form p.1/index0. \nNebraska Secretary of State\n+1","Conditions, consequences, and confidence":"High for forms."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C056","Precise assertion":"Complete current Title 433 agreement/disclosure rules remain unauthenticated.","Source and pinpoint":"S012.","Conditions, consequences, and confidence":"HOLD. No “no rule exists” conclusion."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"claim_id":"S_NE-P06-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P06-C057","Precise assertion":"No directly controlling Nebraska DMP/CSO agreement decision was located in the bounded public search.","Source and pinpoint":"S013.","Conditions, consequences, and confidence":"Limited negative search, not proof of absence."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NE-P06-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=69-1204","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214"],"researcher_record":{"Source ID":"S_NE-P06-S001","Title, issuer, literal URL, and exact pinpoint":"Nebraska Debt Management Act—agreement provisions, 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 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsection (4); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 license nontransferability; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1209 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1212 complete operative paragraph; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1213 subsections (1), (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 subsection (3) and related prohibitions.","Version/effective status; access classification":"Official current codification freshly read October 26, 2026 Pacific. Section source histories vary; no complete session-law or rule-history audit.","Use and limitations":"Controlling state statutory source. Same document family as P1, freshly read for this agreement component. Sections are not counted as independent authorities. \nNebraska Legislature\n+4"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S002","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=45-807","https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","https://nebraskalegislature.gov/laws/statutes.php?statute=45-809"],"researcher_record":{"Source ID":"S_NE-P06-S002","Title, issuer, literal URL, and exact pinpoint":"Nebraska Credit Services Organization Act—agreement provisions, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802 definitions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803 exemptions; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804 prohibited representations/payment branches; https://nebraskalegislature.gov/laws/statutes.php?statute=45-807 complete disclosure section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808 complete contract/cancellation section; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809 waiver.","Version/effective status; access classification":"Official current codification freshly read October 26, 2026. §§45-807–45-809 show 1991 enactment history; §45-804 includes later amendments.","Use and limitations":"Controlling conditional CSO source. Coverage and exemptions remain model-specific. \nNebraska Legislature\n+5"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=86-620"],"researcher_record":{"Source ID":"S_NE-P06-S003","Title, issuer, literal URL, and exact pinpoint":"Nebraska Uniform Electronic Transactions Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=86-620; ...=86-621; ...=86-630; ...=86-632; ...=86-634; ...=86-635; ...=86-636; ...=86-637; ...=86-639; ...=86-641; ...=86-642. Exact clauses: definitions; scope; agreement to transact electronically; legal recognition; retainability/format; attribution; error; retention; automated transactions; sent/received rules.","Version/effective status; access classification":"Official current codification freshly read October 26, 2026. Source histories principally 2000 LB929 and 2002 recodification.","Use and limitations":"General electronic-transaction law; does not alter substantive DMP/CSO content or prove a particular workflow. \nNebraska Legislature\n+10"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S004","urls":["https://uscode.house.gov/us/usc/119-124/t15/s7001/","https://uscode.house.gov/us/usc/119-124/t15/s7002/","https://uscode.house.gov/us/usc/119-124/t15/s7003/","https://uscode.house.gov/us/usc/119-124/t15/s7006/"],"researcher_record":{"Source ID":"S_NE-P06-S004","Title, issuer, literal URL, and exact pinpoint":"Electronic Signatures in Global and National Commerce Act, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s7001/ §§7001(a)–(f); https://uscode.house.gov/us/usc/119-124/t15/s7002/; https://uscode.house.gov/us/usc/119-124/t15/s7003/; https://uscode.house.gov/us/usc/119-124/t15/s7006/.","Version/effective status; access classification":"U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Use and limitations":"Applies conditionally to interstate/foreign-commerce transactions and statutory consumers. Does not establish that every Nebraska debtor is within every E-SIGN consumer provision. \nU.S. Code\n+5"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S005","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1679c/"],"researcher_record":{"Source ID":"S_NE-P06-S005","Title, issuer, literal URL, and exact pinpoint":"Federal Credit Repair Organizations Act—agreement provisions, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1679c/; .../s1679d/; .../s1679e/; .../s1679f/; .../s1679j/. Exact clauses: separate disclosure, acknowledgment retention, written contract, service pause, contract terms, cancellation, copies, nonwaiver, voidness, state-law preservation.","Version/effective status; access classification":"U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Use and limitations":"Conditional federal overlay only. Actual CROA entity, representations, jurisdiction, and exemptions remain held. \nU.S. Code\n+4"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S006","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681j/"],"researcher_record":{"Source ID":"S_NE-P06-S006","Title, issuer, literal URL, and exact pinpoint":"15 U.S.C. §1681j—Charges for certain disclosures, Office of the Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681j/, subsections (a), (b), and amendment history.","Version/effective status; access classification":"U.S. Code text in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Use and limitations":"Used only to identify the current 60-day and annual-free-report rights and the historical 30-day wording. Not a complete FCRA pass. \nU.S. Code"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S007","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01","https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02"],"researcher_record":{"Source ID":"S_NE-P06-S007","Title, issuer, literal URL, and exact pinpoint":"Nebraska Uniform Arbitration Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.01; https://nebraskalegislature.gov/laws/statutes.php?statute=25-2602.02. Exact clauses: validity/voluntary agreement and special notice for standardized sole-remedy arbitration.","Version/effective status; access classification":"Official current codification freshly read October 26, 2026.","Use and limitations":"General arbitration law, not DMP/CSO-specific contract approval. \nNebraska Legislature\n+1"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S008","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB"],"researcher_record":{"Source ID":"S_NE-P06-S008","Title, issuer, literal URL, and exact pinpoint":"Aramark Uniform & Career Apparel, Inc. v. Hunan, Inc., Nebraska Supreme Court, 276 Neb. 700, 757 N.W.2d 205 (2008). https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000319PUB. Relevant printed/report pages 703–704 and 707–708; zero-based PDF indices 4 and 8.","Version/effective status; access classification":"Published final opinion; PDF freshly read and relevant pages visually inspected October 26, 2026.","Use and limitations":"Holding concerns FAA preemption of Nebraska arbitration-specific notice in an interstate service contract. Not a DMP/CSO case. \nNebraska.gov\n+3"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S009","urls":["https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf"],"researcher_record":{"Source ID":"S_NE-P06-S009","Title, issuer, literal URL, and exact pinpoint":"CompuCredit Corp. v. Greenwood, U.S. Supreme Court, 565 U.S. 95 (2012). https://www.supremecourt.gov/opinions/boundvolumes/565bv.pdf. Holding at printed U.S. Reports pp. 95–96 and 104; zero-based PDF indices 308 and 317.","Version/effective status; access classification":"Published final U.S. Supreme Court opinion; relevant pages freshly read and visually inspected October 26, 2026.","Use and limitations":"Holds CROA does not contain a contrary command displacing the FAA. Does not validate every clause. \nSupreme Court\n+3"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S010","urls":["https://sos.nebraska.gov/licensing/debt-management-agencies","https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf"],"researcher_record":{"Source ID":"S_NE-P06-S010","Title, issuer, literal URL, and exact pinpoint":"Nebraska SOS Debt Management Agencies page and License Application. https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/sites/default/files/doc/Debt%20Management%20License%20Application.pdf, printed page 1, zero-based PDF index 0, lines 45–52.","Version/effective status; access classification":"Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected.","Use and limitations":"Shows listed forms and blank-contract/change instruction. Public form is not an approved consumer agreement or issued approval. \nNebraska Secretary of State\n+2"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S011","urls":["https://sos.nebraska.gov/licensing/credit-services-organizations","https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf"],"researcher_record":{"Source ID":"S_NE-P06-S011","Title, issuer, literal URL, and exact pinpoint":"Nebraska SOS Credit Services Organizations page and Registration Form. https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/sites/default/files/doc/Registration%20Form.pdf, printed page 1, zero-based PDF index 0, lines 22–42.","Version/effective status; access classification":"Live agency page and currently linked undated one-page form freshly read October 26; PDF visually inspected.","Use and limitations":"Registration/security form only. It is not a consumer disclosure, contract checklist, or approved cancellation form. \nNebraska Secretary of State\n+2"},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S012","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-P06-S012","Title, issuer, 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; access classification":"Reused access history, not fresh P06 access. P2 identified Title 433 on the index; dynamic catalog produced a JavaScript shell; coordinator docket route returned 403 while another route produced a shell; annual-document viewing/extraction histories remain separately attributed.","Use and limitations":"No complete current agreement/disclosure rule, adoption order, or interpretation authenticated. This is not proof that none exists."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"source_id":"S_NE-P06-S013","urls":["https://www.nebraska.gov/apps-courts-epub/"],"researcher_record":{"Source ID":"S_NE-P06-S013","Title, issuer, literal URL, and exact pinpoint":"Bounded official-source searches: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; official Nebraska Legislature and Secretary of State domain searches for §§69-1209, 69-1214, 45-807, 45-808, debt-management agreement, CSO agreement, electronic cancellation, assignment, and arbitration.","Version/effective status; access classification":"Search-only work October 26, 2026.","Use and limitations":"No directly controlling Nebraska DMP/CSO agreement opinion or additional public model contract was located. Not an exhaustive commercial citator, trial docket, administrative file, or records request."},"coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","coordinator_review":"[internal evidence reference]","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"}],"coverage":[{"topic":"Chapter 69 model trigger","researcher_record":{"Agreement issue":"Chapter 69 model trigger","Status":"Answered textually; application held","Claim IDs":"C001","Missing evidence or next action":"Actual custody/control, debtor, service, and entity facts"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP pre-enrollment budget","researcher_record":{"Agreement issue":"DMP pre-enrollment budget","Status":"Answered","Claim IDs":"C002","Missing evidence or next action":"Current rule or formal interpretation defining “thorough” and “reasonably meet”"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP written contract","researcher_record":{"Agreement issue":"DMP written contract","Status":"Answered","Claim IDs":"C003","Missing evidence or next action":"Actual signed agreement for provider-specific review"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP obligations/creditors","researcher_record":{"Agreement issue":"DMP obligations/creditors","Status":"Answered","Claim IDs":"C004","Missing evidence or next action":"Current balances, identification format, individual amendment method"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP term","researcher_record":{"Agreement issue":"DMP term","Status":"Answered","Claim IDs":"C005","Missing evidence or next action":"Extension/renewal authority not verified"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP immediate copy","researcher_record":{"Agreement issue":"DMP immediate copy","Status":"Answered; timing precision partial","Claim IDs":"C006","Missing evidence or next action":"Authority defining “immediately” and acceptable proof of delivery"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP completed before signing","researcher_record":{"Agreement issue":"DMP completed before signing","Status":"Answered","Claim IDs":"C007","Missing evidence or next action":"Remedies for violation later"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP debtor signature","researcher_record":{"Agreement issue":"DMP debtor signature","Status":"Partial","Claim IDs":"C008","Missing evidence or next action":"Current rule, approved-form instruction, or controlling decision"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP provider signature","researcher_record":{"Agreement issue":"DMP provider signature","Status":"Not established","Claim IDs":"C008","Missing evidence or next action":"Same"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP cancellation/prepayment clause","researcher_record":{"Agreement issue":"DMP cancellation/prepayment clause","Status":"Answered as mandatory term","Claim IDs":"C009","Missing evidence or next action":"Prior amount/earning and return questions remain preserved"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP approval/effectiveness","researcher_record":{"Agreement issue":"DMP approval/effectiveness","Status":"Answered","Claim IDs":"C010","Missing evidence or next action":"Modern third-party payment/account classification"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP form filing","researcher_record":{"Agreement issue":"DMP form filing","Status":"Answered","Claim IDs":"C011–C012","Missing evidence or next action":"Evidence of actual filed version or agency approval excluded"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP creditor-refusal disclosure","researcher_record":{"Agreement issue":"DMP creditor-refusal disclosure","Status":"Not verified","Claim IDs":"C013","Missing evidence or next action":"Current Title 433/formal guidance"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP credit/tax/litigation risk disclosures","researcher_record":{"Agreement issue":"DMP credit/tax/litigation risk disclosures","Status":"Not verified","Claim IDs":"C013","Missing evidence or next action":"Current rules or sector-specific law"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP payment/performance schedule clause","researcher_record":{"Agreement issue":"DMP payment/performance schedule clause","Status":"Not verified beyond dates/charges","Claim IDs":"C004, C013","Missing evidence or next action":"Rule or approved-form instruction"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP account/administrator clause","researcher_record":{"Agreement issue":"DMP account/administrator clause","Status":"Not verified","Claim IDs":"C013","Missing evidence or next action":"Agreement/funds pass and actual contracts"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP statement right in contract","researcher_record":{"Agreement issue":"DMP statement right in contract","Status":"Not required by verified text","Claim IDs":"C014","Missing evidence or next action":"Rule/formal guidance could add requirement"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP complaint procedure","researcher_record":{"Agreement issue":"DMP complaint procedure","Status":"Not verified","Claim IDs":"C013","Missing evidence or next action":"Current rule or agency instruction"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP cooling-off period","researcher_record":{"Agreement issue":"DMP cooling-off period","Status":"Not verified under state act","Claim IDs":"C015","Missing evidence or next action":"Current rule and transaction-specific federal overlay"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP template modification","researcher_record":{"Agreement issue":"DMP template modification","Status":"Answered","Claim IDs":"C011, C017","Missing evidence or next action":"Exact filing mechanics and proof"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP individual debt amendment","researcher_record":{"Agreement issue":"DMP individual debt amendment","Status":"Partial","Claim IDs":"C017","Missing evidence or next action":"Signature/copy/consent process"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP assignment","researcher_record":{"Agreement issue":"DMP assignment","Status":"Partial","Claim IDs":"C016","Missing evidence or next action":"Actual clause, assignee license, novation law, consent"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP waiver/release","researcher_record":{"Agreement issue":"DMP waiver/release","Status":"Unresolved","Claim IDs":"—","Missing evidence or next action":"General contract law and specific clause"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO scope","researcher_record":{"Agreement issue":"CSO scope","Status":"Answered conditionally","Claim IDs":"C018","Missing evidence or next action":"Actual representations, payment, entity, exemption proof"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO precontract timing","researcher_record":{"Agreement issue":"CSO precontract timing","Status":"Answered","Claim IDs":"C019","Missing evidence or next action":"Actual delivery evidence"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO disclosure contents","researcher_record":{"Agreement issue":"CSO disclosure contents","Status":"Answered","Claim IDs":"C020","Missing evidence or next action":"Current finalized disclosure language"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO signed acknowledgment","researcher_record":{"Agreement issue":"CSO signed acknowledgment","Status":"Answered","Claim IDs":"C021","Missing evidence or next action":"Actual signed record"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO FCRA 30/60-day mismatch","researcher_record":{"Agreement issue":"CSO FCRA 30/60-day mismatch","Status":"Answered as conflict/gap","Claim IDs":"C022","Missing evidence or next action":"Formal Nebraska interpretation or legislative update"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO written/date/signature","researcher_record":{"Agreement issue":"CSO written/date/signature","Status":"Answered","Claim IDs":"C023","Missing evidence or next action":"Actual signature/attribution"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO cancellation warning","researcher_record":{"Agreement issue":"CSO cancellation warning","Status":"Answered","Claim IDs":"C024","Missing evidence or next action":"Electronic presentation implementation"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO payment/services/guarantee terms","researcher_record":{"Agreement issue":"CSO payment/services/guarantee terms","Status":"Answered","Claim IDs":"C025","Missing evidence or next action":"Actual contract"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO 180-day estimate","researcher_record":{"Agreement issue":"CSO 180-day estimate","Status":"Answered textually","Claim IDs":"C025","Missing evidence or next action":"Consequence of nonperformance or extension remains later"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO detachable notices","researcher_record":{"Agreement issue":"CSO detachable notices","Status":"Answered for paper; electronic held","Claim IDs":"C026, C043","Missing evidence or next action":"Formal electronic-equivalence authority"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO state cancellation period","researcher_record":{"Agreement issue":"CSO state cancellation period","Status":"Answered","Claim IDs":"C027","Missing evidence or next action":"Weekend/holiday/counting rule not researched"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO cancellation method","researcher_record":{"Agreement issue":"CSO cancellation method","Status":"Answered for mail/delivery; electronic held","Claim IDs":"C028, C044","Missing evidence or next action":"Controlling electronic-notice interpretation"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO payment return","researcher_record":{"Agreement issue":"CSO payment return","Status":"Answered","Claim IDs":"C028","Missing evidence or next action":"Actual receipt date and payment history"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO signed-document copies","researcher_record":{"Agreement issue":"CSO signed-document copies","Status":"Answered","Claim IDs":"C029","Missing evidence or next action":"Actual delivery proof"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO breach effect","researcher_record":{"Agreement issue":"CSO breach effect","Status":"Answered textually","Claim IDs":"C030","Missing evidence or next action":"Full remedies later"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO waiver","researcher_record":{"Agreement issue":"CSO waiver","Status":"Answered","Claim IDs":"C031","Missing evidence or next action":"Arbitration/release application remains fact-specific"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO amendment","researcher_record":{"Agreement issue":"CSO amendment","Status":"Unresolved","Claim IDs":"C033","Missing evidence or next action":"Actual clause and general contract law"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO assignment","researcher_record":{"Agreement issue":"CSO assignment","Status":"Unresolved","Claim IDs":"C033","Missing evidence or next action":"Actual entity, registration, consent, and clause"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CSO provider termination","researcher_record":{"Agreement issue":"CSO provider termination","Status":"Unresolved","Claim IDs":"C033","Missing evidence or next action":"Actual contract and remedies"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic agreement to transact","researcher_record":{"Agreement issue":"Electronic agreement to transact","Status":"Answered","Claim IDs":"C034","Missing evidence or next action":"Actual consent records"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic signature","researcher_record":{"Agreement issue":"Electronic signature","Status":"Answered generally","Claim IDs":"C035, C037","Missing evidence or next action":"Actual authentication and intent evidence"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic retainability","researcher_record":{"Agreement issue":"Electronic retainability","Status":"Answered","Claim IDs":"C036, C039","Missing evidence or next action":"Actual system behavior and final record"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Automated enrollment/error correction","researcher_record":{"Agreement issue":"Automated enrollment/error correction","Status":"Answered generally","Claim IDs":"C038","Missing evidence or next action":"Actual user interface and error event"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic sent/received","researcher_record":{"Agreement issue":"Electronic sent/received","Status":"Answered generally","Claim IDs":"C040","Missing evidence or next action":"Statutory method and actual system evidence"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"E-SIGN consumer consent","researcher_record":{"Agreement issue":"E-SIGN consumer consent","Status":"Answered conditionally","Claim IDs":"C041–C042","Missing evidence or next action":"Interstate transaction, consumer status, actual consent workflow"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic detachable forms","researcher_record":{"Agreement issue":"Electronic detachable forms","Status":"Unresolved","Claim IDs":"C043","Missing evidence or next action":"Current Nebraska rule/case/formal guidance"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Electronic cancellation","researcher_record":{"Agreement issue":"Electronic cancellation","Status":"Unresolved","Claim IDs":"C044","Missing evidence or next action":"Controlling case, rule, or formal interpretation"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CROA separate disclosure","researcher_record":{"Agreement issue":"CROA separate disclosure","Status":"Answered conditionally","Claim IDs":"C045","Missing evidence or next action":"Actual CROA coverage"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CROA service pause","researcher_record":{"Agreement issue":"CROA service pause","Status":"Answered conditionally","Claim IDs":"C046","Missing evidence or next action":"Actual signing date and coverage"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CROA cancellation/copies","researcher_record":{"Agreement issue":"CROA cancellation/copies","Status":"Answered conditionally","Claim IDs":"C047","Missing evidence or next action":"Exact notice and date facts"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CROA nonwaiver/voidness","researcher_record":{"Agreement issue":"CROA nonwaiver/voidness","Status":"Answered conditionally","Claim IDs":"C048","Missing evidence or next action":"Actual coverage and contract"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"State/federal coexistence","researcher_record":{"Agreement issue":"State/federal coexistence","Status":"Answered","Claim IDs":"C049","Missing evidence or next action":"Inconsistency analysis if clauses conflict"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Nebraska arbitration notice","researcher_record":{"Agreement issue":"Nebraska arbitration notice","Status":"Answered","Claim IDs":"C050","Missing evidence or next action":"Actual standardized/sole-remedy status"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"FAA preemption","researcher_record":{"Agreement issue":"FAA preemption","Status":"Answered as doctrine","Claim IDs":"C051","Missing evidence or next action":"Actual interstate-commerce facts"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"CROA arbitration","researcher_record":{"Agreement issue":"CROA arbitration","Status":"Answered as doctrine","Claim IDs":"C052","Missing evidence or next action":"Actual arbitration clause and formation defenses"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Choice of law/forum","researcher_record":{"Agreement issue":"Choice of law/forum","Status":"Unresolved","Claim IDs":"C053","Missing evidence or next action":"Actual clause and full enforceability analysis"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Public model DMP agreement","researcher_record":{"Agreement issue":"Public model DMP agreement","Status":"Not located","Claim IDs":"C054","Missing evidence or next action":"Nonpublic agency file or records request—not performed"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Public CSO disclosure/sample","researcher_record":{"Agreement issue":"Public CSO disclosure/sample","Status":"Not located","Claim IDs":"C054","Missing evidence or next action":"Same"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Current Title 433 agreement rules","researcher_record":{"Agreement issue":"Current Title 433 agreement rules","Status":"Unresolved","Claim IDs":"C056","Missing evidence or next action":"Accessible official current compilation, docket, and adoption orders"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"DMP/CSO controlling cases","researcher_record":{"Agreement issue":"DMP/CSO controlling cases","Status":"Partial","Claim IDs":"C057","Missing evidence or next action":"Full citator, trial-court, administrative, and enforcement research"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Funds, principal returns, account closure","researcher_record":{"Agreement issue":"Funds, principal returns, account closure","Status":"Excluded except cancellation wording","Claim IDs":"—","Missing evidence or next action":"PASS-04 and future reviewed component"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Bonds/security claims","researcher_record":{"Agreement issue":"Bonds/security claims","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"PASS-05 and future reviewed component"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Full remedies, collections, litigation, limitations, secured sectors, local/tribal law","researcher_record":{"Agreement issue":"Full remedies, collections, litigation, limitations, secured sectors, local/tribal law","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate authorized passes"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"},{"topic":"Named-provider agreement approval","researcher_record":{"Agreement issue":"Named-provider agreement approval","Status":"Not performed","Claim IDs":"—","Missing evidence or next action":"Exact entity, filed form, signed contract, and regulator record"},"coordinator_acceptance":"partial_checked_core_all_recorded_holds_no_component_acceptance","coordinator_review":"[internal evidence reference]","coordinator_verification_status":"checked_with_limits_two_bounded_followups_resolved_CROA_currentmetadata_and_otherholds_retained","parent_assignment_complete":false,"correction_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}