{"meta":{"key":"s_ne--pass-07","task":"S_NE","title":"SNE Nebraska provider enforcement, private remedies, and remedy-specific limitation conditions","parent_title":"Nebraska debt and debt relief law","edition":"pass-07","path":"/research/s_ne--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":7,"claims":52,"sources":17,"review_status":"reviewed_wording_corrections_addressed_source_hold_remains","review_complete":true,"sha256":"b2fb2da11464838d4a48388b8b9e013b7672c6a8898e9f2500e48e7db99b981f","headings":["Focused determination","B1. Licensing discipline","B2. Examination and investigation","B3. Criminal provision","B4. No express Chapter 69 consumer damages formula","B5. Implied private action remains unresolved","B6. Two-year Chapter 69 limitation","B7. Administrative review","C1. Coverage remains conditional","C2. Express private damages","C3. Injunction","C4. Contract breach and waiver","C5. UDTPA incorporation","C6. Security boundary","C7. Criminal and cumulative remedies","C8. Four-year contract-execution period","D1. Private standing and public interest","D2. Private remedy measure","D3. Attorney General enforcement","D4. Assurances and adjudicative effect","D5. Regulatory exclusion","D6. NCPA limitation and tolling","E1. Private prospective injunction","E2. Induced sale or lease","E3. Attorney General powers","E4. Penalties","E5. Four-year purchase trigger","E6. Seven-day Attorney General notice","E7. Jury demand","F1. TSR does not create an ordinary small private claim","F2. CROA","F3. CFPA","G1. Secretary of State","G2. Attorney General complaint and CART process","G3. Materially controlling cases read","G4. Provider-specific search result","Example 1 — Chapter 69 licensing discipline versus consumer recovery","Example 2 — Two-year clause does not create a claim","Example 3 — CSO statutory damages floor","Example 4 — NCPA private claim with discretionary increase","Example 5 — NCPA Attorney General civil-penalty units","Example 6 — Past UDTPA loss without likely future harm","Example 7 — CSO violation and UDTPA overlap","Example 8 — Contract-execution versus accrual clocks","Example 9 — APA review after license suspension","Example 10 — Noncustodial classification ambiguity","Freshly read in PASS-07","Reused only as attributed prior history","Not treated as reviewed premises","Failed, limited, or unresolved evidence","Actions not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-07","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["provider-remedies","limitations-revival"]},"scope":"Exact reviewed P1 deferred provider-remedies/enforcement gap; independent of unreviewed P4/P5/P6.","pending_corrections":0},"markdown":"# S_NE PASS-07 — Nebraska provider enforcement, private remedies, and remedy-specific limitation conditions\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 provider enforcement, private and public remedies, remedy-specific claim predicates, administrative procedure, and limitation periods. PASS-04 funds, PASS-05 security, and PASS-06 agreements remain saved but unreviewed; none of their new conclusions is accepted as a premise here. Prior classification, fee, federal-coverage, and Title 433 qualifications remain unchanged.\n\n## Focused determination\n\nNebraska’s Debt Management Act, Chapter 69, supplies a substantial **public licensing and criminal-enforcement structure**—license denial, suspension or revocation; unannounced examination; compelled testimony and records; automatic suspension for unpaid examination costs; and a misdemeanor for knowing or willful unlicensed operation. It does **not expressly create** a consumer damages formula, restitution claim, civil penalty, fee-shifting claim, contract-voidness rule, or private injunction. Its two-year “actions under the Act” provision limits an otherwise valid cause of action; it does not identify a claimant or create a cause of action by itself. No controlling Nebraska decision recognizing an implied consumer action under Chapter 69 was located. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com))\n\nNebraska’s Credit Services Organization Act is different. A covered and nonexempt “buyer” injured by an Act violation has an express damages action, with an award floor equal to the amount paid to the organization plus reasonable attorney fees and court costs. The Attorney General or a buyer may seek an injunction. Every CSO violation is also statutorily designated a deceptive trade practice under Nebraska’s Uniform Deceptive Trade Practices Act. A CSO contract breach is an Act violation, and waiver of an Act right is void—but the Act does **not** say every noncompliant contract is automatically void. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808&utm_source=chatgpt.com))\n\nThe Nebraska Consumer Protection Act and Uniform Deceptive Trade Practices Act cannot be merged:\n\n- A private NCPA claimant ordinarily needs injury to business or property caused by a violation, and a §59-1602 claim must involve the public interest rather than an isolated purely private wrong.\n- A private UDTPA claimant generally receives prospective equitable relief only and must be likely to suffer future damage; ordinary private damages are not provided by §87-303.\n- The UDTPA separately makes certain sale or lease agreements induced by a deceptive practice unenforceable and gives the buyer or lessee a rescission-or-retention choice.\n- The Attorney General has broader investigatory, cease-and-desist, injunction, restoration, asset-freeze, and civil-penalty powers than a private claimant under either Act. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609&utm_source=chatgpt.com))\n\nThere is no universal Nebraska limitation period for every provider dispute. Relevant clocks include:\n\n- Chapter 69: two years after accrual for an action “under” that Act;\n- CSO damages and §45-812 deceptive-practice actions: four years from contract execution;\n- private NCPA damages: four years after accrual, subject to the statute’s Attorney General tolling rule;\n- UDTPA civil action: four years from purchase of the goods or services;\n- APA review: petition within 30 days after service of a final contested-case decision, followed by service requirements;\n- ordinary Class II misdemeanor prosecution: generally one year and six months after the offense, subject to exceptions;\n- federal TSR private action: three years after discovery, with unusual pattern/practice and amount-in-controversy requirements;\n- CROA: ordinarily five years from the violation, with a special discovery branch for specified material and willful disclosure misrepresentations.\n\nNo exact named-provider deadline or filing conclusion is made here.\n\n# A. Model-by-remedy matrix\n\n| Model or conduct | Nebraska public enforcement | Express private Nebraska remedy | Primary limitation or review rule | PASS-07 disposition |\n| --- | --- | --- | --- | --- |\n| Licensed Chapter 69 custodial DMP violates Chapter 69 | SOS denial, suspension, or revocation; examination and investigation; possible general UDTPA/NCPA enforcement if their independent predicates are met | No express Chapter 69 consumer damages or injunction action identified | Two years after accrual for a valid action “under” Chapter 69; APA review separately applies to qualifying final contested-case decisions | **Public remedies answered; implied private Chapter 69 remedy unresolved** |\n| Knowing or willful unlicensed Chapter 69 operation | Criminal prosecution; licensing consequences if applicant or later licensee | No automatic consumer restitution under §69-1215 | General Class II misdemeanor prosecution period appears to be one year and six months, subject to exceptions | **Answered conditionally on Chapter 69 coverage and scienter** |\n| Negotiation-only or consumer-owned-account model with disputed custody/control | Chapter 69 enforcement cannot be assumed until statutory classification is established | Chapter 69 private remedy cannot be assumed; CSO/NCPA/UDTPA theories require separate predicates | Depends on the cause actually established | **Classification held** |\n| Covered, nonexempt Nebraska CSO violation | Registration enforcement; Attorney General or buyer injunction; UDTPA enforcement; Class II misdemeanor | Injured buyer damages under §45-810; buyer injunction under §45-811; possible UDTPA relief | Four years from execution of the services contract for §45-810 and §45-812 actions | **Express remedy structure established** |\n| CSO contract breach | Breach itself is an Act violation; public and criminal routes may follow | Injured buyer may invoke §45-810; injunction route under §45-811 | Four years from contract execution for §45-810 and §45-812 | **Answered; injury and causation still required for damages** |\n| In-scope Chapter 69 licensee invoking CSO exemption | Chapter 69 enforcement rather than duplicate CSO regime, if the exact entity and activity qualify | No CSO remedy unless CSO exemption fails or separate activity falls outside it | Cause-specific | **Conditional; affiliate and separate-product facts held** |\n| Provider deceptive practice affecting Nebraska public interest | Attorney General NCPA investigation, injunction, restoration, asset freeze, assurance, civil penalties | NCPA actual damages/injunction if private standing, public interest, causation, and no exemption are established | Private damages: four years after accrual, with statutory AG tolling | **Conditional independent theory** |\n| Provider deceptive practice presenting likely future harm | Attorney General UDTPA cease-and-desist, investigation, injunction, restoration, civil penalty | Private prospective injunction; possible §87-303.07 rescission/retention branch | Four years from purchase of services | **Conditional independent theory** |\n| Telemarketed debt relief covered by TSR | FTC/CFPB and qualifying State public actions | Narrow federal private action only for a pattern or practice and more than $50,000 actual damages per adversely affected person | Three years after discovery | **Conditional federal boundary only** |\n| Credit-improvement conduct covered by CROA | FTC and State enforcement | Express consumer damages, possible punitive damages, fees and costs; noncompliant contract can be void under federal law | Five-year occurrence period, with specified discovery branch | **Conditional federal boundary only** |\n| Covered consumer-financial conduct under CFPA | CFPB and qualifying State AG/regulator public enforcement | The cited CFPA enforcement provisions do not themselves create an ordinary consumer damages cause | CFPB and enumerated-law periods are cause-specific | **Public-enforcement boundary only** |\n\n# B. Chapter 69 enforcement and remedies\n\n## B1. Licensing discipline\n\nThe Secretary of State may deny, revoke, or suspend a Chapter 69 license for:\n\n- felony conviction;\n- violation of §§69-1201 through 69-1217;\n- fraud or deceit in procuring a license;\n- a continuous course of unfair conduct; or\n- insolvency, bankruptcy adjudication, receivership, or assignment for creditors.\n\nThe statute conditions denial, suspension, or revocation on specific sworn written charges, a hearing, and service of a certified copy of the charges not less than ten and not more than thirty days before the hearing. The license is nontransferable and nonassignable. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com))\n\nImportant limits:\n\n- A consumer complaint does not itself revoke a license.\n- A claimed violation does not establish that the Secretary has made a final finding.\n- Section 69-1207 does not state that the consumer receives restitution, damages, or the provider’s fees through the licensing hearing.\n- The provision does not itself supply a cease-and-desist order, civil-penalty formula, or contract-voidness rule.\n- “Continuous course of unfair conduct” is a disciplinary ground, but no controlling Chapter 69 opinion was located defining the required number, duration, or type of acts.\n\n## B2. Examination and investigation\n\nThe Secretary may examine a licensee without notice and may examine under oath the licensee and its directors, officers, employees, customers, creditors, and stockholders. In an alleged-violation investigation, the Secretary may compel attendance and production of books, accounts, records, and files. The licensee pays the actual examination cost; failure to pay within thirty days after receiving the Secretary’s demand automatically suspends the license until payment. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211&utm_source=chatgpt.com))\n\nThis produces three distinct consequences:\n\n1. **Examination authority** is not a consumer damages remedy.\n2. **Automatic suspension for unpaid examination costs** does not require the ordinary §69-1207 disciplinary finding described for substantive violations, although the exact notice and review procedure beyond §69-1211 was not located.\n3. A compelled investigation does not by itself establish liability in a later consumer action.\n\n## B3. Criminal provision\n\nOnly a specific Chapter 69 offense is expressly criminalized: knowingly or willfully engaging in covered debt-management business without the required license. The statute reaches the entity and listed owners, partners, members, officers, directors, employees, agents, and representatives when its conditions are met. It is a Class II misdemeanor. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215&utm_source=chatgpt.com))\n\nA Class II misdemeanor carries a maximum of six months’ imprisonment, a $1,000 fine, or both, with no statutory minimum. The general Nebraska prosecution period for a misdemeanor is one year and six months after the offense, subject to statutory exceptions, alternative offense-specific periods, fugitive tolling, and procedural rules. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=28-106&utm_source=chatgpt.com))\n\nThe criminal theory therefore requires proof of:\n\n- conduct constituting Chapter 69 debt management;\n- lack of the required license;\n- the defendant’s legally relevant role; and\n- knowing or willful conduct.\n\nA marketing label, Nebraska customer, remote headquarters, consumer-owned account, or third-party processor does not resolve those elements.\n\n## B4. No express Chapter 69 consumer damages formula\n\nThe current Chapter 69 provisions reviewed do not expressly say that a debtor may:\n\n- recover fees or actual damages;\n- recover statutory, punitive, or treble damages;\n- recover attorney fees or litigation costs;\n- rescind or void the agreement;\n- obtain restitution;\n- seek a private injunction; or\n- sue solely because an SOS license or contract requirement was violated.\n\nThe Act does contain a $10,000 faithful-accounting bond and a two-year limitation clause, but neither text independently supplies all elements of a private consumer cause of action. The bond is limited to its statutory condition and aggregate amount, while the two-year clause merely states when an otherwise valid action under Chapter 69 must be commenced. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204&utm_source=chatgpt.com))\n\n## B5. Implied private action remains unresolved\n\nNebraska’s general implied-private-right analysis asks whether the statute was enacted for the claimant’s special benefit and whether the Legislature intended a private remedy. In *Pettit v. Nebraska Department of Correctional Services*, the Nebraska Supreme Court emphasized statutory purpose and legislative intent and declined to recognize an unstated cause merely from a statutory duty; it ultimately assumed a cause without deciding because the pleaded claim failed on other grounds. *Pettit* did not concern debt management. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB)\n\nApplied cautiously to Chapter 69:\n\n- debtors are plainly among the protected persons;\n- §69-1216 refers to a “cause of action,” showing that some court actions under the Act were contemplated;\n- the Act expressly supplies licensing, investigation, bond, and criminal mechanisms;\n- it does not identify a debtor plaintiff, damages measure, fee-shifting rule, or injunction route; and\n- no controlling Chapter 69 case recognizing an implied debtor damages action was located.\n\n**Conclusion:** a standalone implied Chapter 69 consumer action is **not established** in this pass. Section 69-1216 cannot safely be used as the substantive source of such a claim. Contract, bond, NCPA, UDTPA, common-law, or federal theories require their own independent elements.\n\n## B6. Two-year Chapter 69 limitation\n\nSection 69-1216 says that all Nebraska-court actions “under” Chapter 69 must be commenced within two years after the cause accrues. It does not define accrual, discovery, fraudulent concealment, continuing violations, class tolling, equitable tolling, or whether every bond or contract claim is “under” the Act. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216&utm_source=chatgpt.com))\n\nAccordingly:\n\n- two years is not a universal deadline for every lawsuit against a debt manager;\n- an ordinary contract, fraud, NCPA, UDTPA, federal, or bond action may have a different characterization and period;\n- §69-1216 does not revive a claim that lacks a cause of action;\n- no exact filing date can be calculated without accrual and procedural facts.\n\n## B7. Administrative review\n\nA final agency decision in a qualifying contested case may be reviewed under Nebraska’s Administrative Procedure Act. Section 84-917 requires a petition for review within thirty days after service of the final decision and generally requires service of summons on the agency and nongovernmental parties within thirty days after filing. Filing the petition does not itself stay enforcement of the agency decision. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=84-917&utm_source=chatgpt.com))\n\nThis is conditional because no public Chapter 69 final order was located to establish:\n\n- the actual service date;\n- whether the proceeding was a contested case;\n- the parties of record;\n- venue;\n- any agency reconsideration procedure; or\n- whether a stay was sought or granted.\n\n# C. Credit Services Organization Act remedies\n\n## C1. Coverage remains conditional\n\nThe CSO Act applies only when the actual entity, payment, services, and representations satisfy its definition and no exemption is established. Debt settlement is not automatically credit services. A Chapter 69 license, nonprofit status, attorney relationship, institutional affiliation, or collection-agency status operates only if the exact statutory exemption and scope conditions are met. The person claiming a CSO exemption bears the statutory burden. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-802&utm_source=chatgpt.com))\n\n## C2. Express private damages\n\nA **buyer injured by a violation** may bring a damages action. The award cannot be less than:\n\nPlain text\n```\nAmount paid by buyer to CSO\n+ reasonable attorney fees\n+ court costs\n```\n\nThe text therefore requires at least:\n\n- a statutory “buyer”;\n- a CSO Act violation;\n- injury “by” that violation, supplying a causation requirement;\n- a timely action; and\n- proof of the amount paid and recoverable litigation expenses.\n\nSection 45-810 does not state a universal reliance or intent element. Particular violations may have their own predicates, and criminal liability may present separate mental-state issues. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-810&utm_source=chatgpt.com))\n\nThe statute establishes a floor, not an automatic payment upon complaint. It does not expressly authorize punitive or multiple damages under the CSO Act itself.\n\n## C3. Injunction\n\nThe Attorney General or a buyer may sue in district court to enjoin an Act violation. This is an express CSO-specific route and should not be collapsed into the UDTPA’s private “likely future damage” provision. Exact constitutional standing, imminence, and equitable requirements for a particular buyer remain case-specific because no controlling CSO decision was located. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-811&utm_source=chatgpt.com))\n\n## C4. Contract breach and waiver\n\nA CSO’s breach of its contract or any obligation arising from the contract is itself an Act violation. A CSO may not attempt to cause the buyer to waive an Act right, and a purported waiver is void. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-808&utm_source=chatgpt.com))\n\nThose clauses do **not** say:\n\n- every contract containing one invalid term is void in full;\n- every breach produces automatic restitution;\n- every violation permits cancellation outside the statutory cancellation period;\n- every violation entitles a person other than an injured buyer to §45-810 damages; or\n- an arbitration, release, or settlement is always valid or invalid.\n\nFederal CROA may independently make a covered noncompliant credit-repair contract void and unenforceable, but actual federal coverage remains a separate predicate.\n\n## C5. UDTPA incorporation\n\nEvery CSO Act violation is designated a deceptive trade practice under the UDTPA. That designation does not transform the UDTPA into a private damages statute:\n\n- §45-810 supplies the CSO buyer’s damages action;\n- §45-811 supplies the direct CSO injunction route;\n- §87-303 generally supplies prospective equitable relief for one likely to suffer future harm;\n- §87-303.07 may supply rescission or retention without further payment if the buyer was induced into a qualifying sale or lease;\n- the Attorney General’s UDTPA powers remain separately available. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-812&utm_source=chatgpt.com))\n\n## C6. Security boundary\n\nThe $100,000 CSO bond or surety account benefits persons damaged by an Act violation, but the surety or trustee is liable only for damages awarded under §45-810, and aggregate security liability is capped at $100,000. An action may be maintained against the CSO and surety or trustee. Those provisions do not make every complaint payable, remove the injury and judgment predicates, or expand the CSO’s own potential liability ceiling. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-805&utm_source=chatgpt.com))\n\nClaim allocation, exhaustion, priority, and actual instrument terms remain outside this pass.\n\n## C7. Criminal and cumulative remedies\n\nAny CSO Act violation is a Class II misdemeanor. The section does not state a distinct scienter element; the applicable criminal-law mental-state analysis was not fully researched. The Act also states that its remedies are cumulative to other remedies provided by law. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-814&utm_source=chatgpt.com))\n\n“Cumulative” does not authorize duplicate compensation for the same loss. Separate awards must retain their distinct statutory basis and avoid double recovery.\n\n## C8. Four-year contract-execution period\n\nAn action under §45-810 or §45-812 may not be brought more than four years after execution of the related services contract. This is a contract-execution trigger, not a discovery rule. The section does not expressly govern:\n\n- the direct injunction under §45-811;\n- criminal prosecution;\n- a bond claim with an independent procedural characterization;\n- an NCPA action;\n- a federal CROA action; or\n- a claim arising from a different contract. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-813&utm_source=chatgpt.com))\n\n# D. Nebraska Consumer Protection Act\n\n## D1. Private standing and public interest\n\nSection 59-1609 permits a person injured in business or property by a violation of §§59-1602 through 59-1606 to seek an injunction, actual damages, or both, plus costs and a reasonable attorney fee. Direct dealing with the defendant is not universally required. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609&utm_source=chatgpt.com))\n\nFor an unfair-or-deceptive-practice claim under §59-1602, Nebraska precedent requires conduct affecting the public interest. In *Eicher v. Mid America Financial Investment Corp.*, the Nebraska Supreme Court contrasted an isolated private transaction with a scheme aimed at numerous Nebraska residents; the latter was sufficient for the public-interest requirement. The case does not establish that every multi-consumer advertisement automatically satisfies the test. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB)\n\nA private NCPA claimant therefore generally must establish:\n\n- trade or commerce affecting Nebraska;\n- an unfair or deceptive act within the applicable section;\n- public-interest impact for §59-1602;\n- injury to business or property;\n- causation;\n- no applicable §59-1617 exclusion; and\n- a timely action.\n\nNo universal intent or reliance element appears in §59-1609, but the particular representation, omission, causal theory, and remedy may make proof of exposure or reliance material.\n\n## D2. Private remedy measure\n\nA qualifying private claimant may seek:\n\n- actual damages;\n- injunction;\n- litigation costs;\n- reasonable attorney fees; and\n- a discretionary increased award reasonably related to actual nonpecuniary damage that cannot be measured ordinarily.\n\nFor a §59-1602 violation, the discretionary increase may not exceed $1,000. It is not an automatic $1,000 statutory award and is not a multiplier of actual damages. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609&utm_source=chatgpt.com))\n\n## D3. Attorney General enforcement\n\nThe Attorney General may sue to restrain prohibited acts. The court may order restoration of money or property obtained through the prohibited conduct. Restoration and civil penalties are separate remedies; neither automatically equals a private plaintiff’s actual damages. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608&utm_source=chatgpt.com))\n\nThe Attorney General may also:\n\n- issue civil investigative demands;\n- require sworn reports;\n- examine people and records;\n- seek enforcement and contempt for noncompliance;\n- request an ex parte freeze of connected accounts or assets for fourteen days;\n- obtain a hearing and extension through the proceedings; and\n- use the preserved resources for restitution or another legally available consumer remedy. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611&utm_source=chatgpt.com))\n\nA §59-1602 violation carries an Attorney General civil penalty of up to $2,000 **for each violation**. Violations of §§59-1603 or 59-1604, or of a Consumer Protection Act injunction, may carry up to $500,000 under the separate branch of §59-1614. The statute does not define the unit of a §59-1602 “violation”; a consumer, advertisement, transaction, call, day, or contract cannot be selected as the unit without the pleadings, adjudication, and controlling law. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614&utm_source=chatgpt.com))\n\n## D4. Assurances and adjudicative effect\n\nAn Attorney General assurance of discontinuance:\n\n- is written, filed, and court-approved;\n- is not an admission of a violation; and\n- if breached, supplies prima facie evidence of an NCPA violation.\n\nA final state judgment finding an NCPA violation can be prima facie evidence in a later private action as to matters having the stated estoppel effect. A consent judgment with no finding of illegality does not receive that statutory effect. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610&utm_source=chatgpt.com))\n\nThus an allegation, complaint, voluntary assurance, no-admission settlement, default order, and litigated merits judgment must remain distinct.\n\n## D5. Regulatory exclusion\n\nSection 59-1617 excludes, subject to its stated exceptions, actions or transactions otherwise permitted, prohibited, or regulated under laws administered by listed regulators or another state or federal regulatory body or officer. It also states that no NCPA remedy results except as expressly provided in that Act. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617&utm_source=chatgpt.com))\n\nThe correct analysis is action- and transaction-specific:\n\n- A business’s possession of a license is not, by itself, conclusive proof that every act is excluded.\n- Nebraska decisions reflected in the statute’s official annotations have applied the exclusion broadly where the challenged transaction fell within a regulator’s statutory subject matter.\n- Conversely, conduct by an affiliate, an unlicensed entity, or conduct outside the regulator’s authority cannot be assumed exempt merely because a related company is regulated.\n- No controlling decision was located applying §59-1617 specifically to Chapter 69 debt management or the CSO Act.\n\nAccordingly, an NCPA claim against a licensed debt manager or registered CSO remains **held pending an exact §59-1617 analysis**. It should not be counted as an automatically available remedy.\n\n## D6. NCPA limitation and tolling\n\nA private §59-1609 damages claim is barred unless commenced within four years after accrual. When the Attorney General brings a qualifying action concerning the same matter, the statute suspends the running of that private damages period during the public action’s pendency, subject to the exclusions written into §59-1612. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612&utm_source=chatgpt.com))\n\nThe provision does not:\n\n- define accrual;\n- establish a universal discovery rule;\n- state that filing an informal complaint tolls the period;\n- apply its text to every injunction-only action;\n- toll a CSO or Chapter 69 period automatically; or\n- give an indefinite extension following an Attorney General matter.\n\n# E. Uniform Deceptive Trade Practices Act\n\n## E1. Private prospective injunction\n\nA person likely to be damaged by another’s deceptive trade practice may seek an injunction. Monetary damage, lost profits, and intent to deceive are not required for that equitable claim. Costs ordinarily follow the prevailing party, and fees are discretionary in the specified groundless-plaintiff or willfully deceptive-defendant circumstances. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303&utm_source=chatgpt.com))\n\nIn *Reinbrecht v. Walgreen Co.*, the Nebraska Court of Appeals held that the UDTPA does not provide ordinary private damages and requires likelihood of future harm. Past injury alone was insufficient where the claimant already knew the relevant truth and was not likely to be deceived in the future. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB)\n\nAccordingly, a former customer who only seeks reimbursement for a completed past event ordinarily cannot use §87-303 as a substitute damages statute.\n\n## E2. Induced sale or lease\n\nIf a buyer or lessee is induced by a violation of §87-302 or §87-303.01 to enter a sale or lease, the agreement is unenforceable by the seller or lessor. The buyer or lessee may elect to:\n\n- rescind; or\n- retain the delivered merchandise and benefit of services without further payment obligation.\n\nThis is a specific contract remedy, not universal contract voidness for every UDTPA violation. Application to a debt-management or credit-services agreement depends on whether it is the relevant “sale,” whether the claimant is the protected buyer or lessee, and whether the deceptive practice induced entry into it. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07&utm_source=chatgpt.com))\n\n## E3. Attorney General powers\n\nThe Attorney General may:\n\n- require sworn statements and reports;\n- examine people, property, and records;\n- subpoena witnesses and documents;\n- conduct hearings;\n- issue a cease-and-desist order with or without a prior hearing;\n- seek a temporary restraining order or injunction;\n- obtain restoration of money or property;\n- accept an assurance of voluntary compliance;\n- seek a temporary fourteen-day freeze of connected assets, followed by a hearing and possible extension; and\n- pursue civil penalties. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02&utm_source=chatgpt.com))\n\nIf a person refuses an Attorney General report order or subpoena, a court may compel compliance, restrain sale or advertising, and suspend or revoke a license, permit, or certificate used to further the alleged practice. This is a court remedy for investigative noncompliance, not automatic revocation upon the filing of a consumer complaint. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04&utm_source=chatgpt.com))\n\n## E4. Penalties\n\nA person violating the UDTPA is guilty of a Class II misdemeanor unless the Act provides otherwise. Willful violation of an injunction, declaratory judgment, or written assurance entered under the Act is a Class IV felony. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08&utm_source=chatgpt.com))\n\nA Class IV felony carries a maximum of two years’ imprisonment and twelve months’ post-release supervision, a $10,000 fine, or both, with no minimum. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=28-105&utm_source=chatgpt.com))\n\nThe Attorney General may seek up to $2,000 for each violation of §87-302 or §87-303.01, and for each willful violation of an injunction, declaratory judgment, or assurance. Again, the unit of violation is not supplied by the amount provision itself. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11&utm_source=chatgpt.com))\n\n## E5. Four-year purchase trigger\n\nA civil action arising under the UDTPA may be brought only within four years from the date of purchase of the goods or services. This is not textually an accrual or discovery rule. For a continuing service relationship, the legally relevant purchase date may require the actual contract, amendments, and transactions. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10&utm_source=chatgpt.com))\n\n## E6. Seven-day Attorney General notice\n\nA party filing a UDTPA pleading generally must send a copy to the Attorney General within seven days. Final judgments and appeal notices have separate seven-day transmission duties. The specified initial transmission is by certified mail. Failure is not grounds for dismissal, but may support a later Attorney General request to vacate or modify the judgment. The Attorney General may intervene, and declining to intervene does not bar a separate public action. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12&utm_source=chatgpt.com))\n\n## E7. Jury demand\n\nFollowing a 2024 amendment, the Attorney General or defendant may demand a jury on any UDTPA claim. A parallel provision permits the Attorney General or defendant to demand a jury on an NCPA claim. Those statutes do not resolve every private plaintiff’s independent jury right, equitable-claim allocation, class certification, or arbitration issue. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13&utm_source=chatgpt.com))\n\n# F. Limited federal remedy boundaries\n\n## F1. TSR does not create an ordinary small private claim\n\nThe Telemarketing and Consumer Fraud and Abuse Prevention Act permits a private federal action only when:\n\n- the claimant is adversely affected by a **pattern or practice** of telemarketing violating an FTC rule;\n- actual damages exceed $50,000 **for each adversely affected person**;\n- the action is filed within three years after discovery;\n- prior written notice is served on the FTC, unless initially infeasible; and\n- no blocking FTC or CFPB action against the same defendant and rule allegations is pending.\n\nThe action may seek injunction, compliance, damages, or other appropriate relief, with discretionary prevailing-party costs and attorney/expert fees. A single TSR violation or a fee smaller than the threshold therefore does not automatically produce this federal private route. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s6104/?utm_source=chatgpt.com))\n\nA State Attorney General may bring a federal parens-patriae action when residents are threatened or adversely affected by a pattern or practice violating an FTC telemarketing rule. Available relief includes injunction, compliance, damages, restitution, and other compensation, subject to federal notice and parallel-action conditions. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s6103/?utm_source=chatgpt.com))\n\n## F2. CROA\n\nWhen CROA actually applies, a person who fails to comply may owe the greater of:\n\n- actual damages; or\n- the amount paid to the credit-repair organization,\n\nplus discretionary punitive damages and, in a successful action, costs and reasonable attorney fees. The statute contains class-action factors but does not create a guaranteed punitive award. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com))\n\nCROA’s limitation is ordinarily five years from the violation. A later five-year discovery period applies only where the organization materially and willfully misrepresented required disclosure information material to establishing liability. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-118/t15/s1679i/?utm_source=chatgpt.com))\n\nThe FTC enforces CROA, and a State may seek an injunction and residents’ §1679g damages subject to federal notice and parallel-FTC-action conditions. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t15/s1679h/?utm_source=chatgpt.com))\n\n## F3. CFPA\n\nThe cited Consumer Financial Protection Act provisions authorize the CFPB to commence civil actions and permit courts or the Bureau to grant remedies including rescission, refunds, restitution, disgorgement, damages, activity restrictions, and civil penalties. They also preserve specified State Attorney General and State regulator enforcement authority. These are public-enforcement provisions; they do not themselves state an ordinary private consumer cause of action. Rights under an enumerated federal law must come from that law’s own provisions. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t12/s5564/?utm_source=chatgpt.com))\n\nCurrent adjusted federal civil-penalty amounts were not researched in this bounded pass and are therefore not used in an example.\n\n# G. Public procedures and controlling decisions\n\n## G1. Secretary of State\n\nThe current public DMP page provides the roster, application materials, bond, branch form, statutes, and Licensing Division contact information. The current CSO page provides the registration roster, registration and bond forms, statutes, and the same Licensing Division contact. Neither displayed page provides a public complaint form, final-order library, administrative-hearing docket, or searchable discipline database. That is a statement about the visible pages, not proof that no public or nonpublic order exists. ([sos.nebraska.gov](https://sos.nebraska.gov/licensing/debt-management-agencies?utm_source=chatgpt.com))\n\nNo named-provider complaint, status inquiry, filing, or contact was made.\n\n## G2. Attorney General complaint and CART process\n\nThe Attorney General maintains an online constituent complaint form requesting the business or person complained against, detailed facts, prior corrective efforts, desired resolution, and supporting-document information. Filing the form is not a lawsuit, administrative appeal, or proven statutory notice. ([ago.nebraska.gov](https://ago.nebraska.gov/constituent-complaint-form?utm_source=chatgpt.com))\n\nThe Consumer Affairs Response Team states that:\n\n- anyone may submit a complaint;\n- consumers are asked first to make a good-faith effort to resolve the matter with the business;\n- the dispute-resolution process is voluntary;\n- the business must cooperate for voluntary resolution; and\n- the Attorney General is not the consumer’s private attorney.\n\nNothing on that public page states that a CART complaint tolls a limitation period, exhausts an administrative remedy, preserves a bond claim, or guarantees restitution. ([ago.nebraska.gov](https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team?utm_source=chatgpt.com))\n\n## G3. Materially controlling cases read\n\n| Decision | Posture and holding used in this pass | Limitation |\n| --- | --- | --- |\n| **Pettit v. Nebraska Department of Correctional Services**, 291 Neb. 513, 867 N.W.2d 553 (2015) | Nebraska Supreme Court explained that an implied private action turns on statutory purpose and legislative intent; it did not recognize an automatic claim from a statutory duty | Not a debt-management or CSO case |\n| **Eicher v. Mid America Financial Investment Corp.**, 275 Neb. 462, 748 N.W.2d 1 (2008) | Nebraska Supreme Court applied the NCPA public-interest requirement and distinguished an isolated private event from conduct aimed at numerous Nebraskans | Does not decide §59-1617 exemption for DMP/CSO entities |\n| **Reinbrecht v. Walgreen Co.**, 16 Neb. App. 108, 742 N.W.2d 243 (2007) | Nebraska Court of Appeals held private UDTPA relief is equitable, not ordinary damages, and requires likely future harm | Not a debt-relief-provider case |\n| **State ex rel. Stenberg v. Consumer’s Choice Foods, Inc.**, 276 Neb. 481, 755 N.W.2d 583 (2008) | Nebraska Supreme Court reviewed a public NCPA/UDTPA action involving numerous complaints, injunction, restoration/rescission, penalties, and fees; affirmed the judgment | General consumer-enforcement case, not Chapter 69 or CSO |\n\nIn *Consumer’s Choice Foods*, the State sought public equitable and monetary relief after more than one hundred consumer complaints; the decision illustrates that Attorney General restoration, civil penalties, and litigation expenses are distinct components of public relief rather than an automatic private award. [Nebraska.gov+4](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB)\n\n## G4. Provider-specific search result\n\nTargeted searches of the official Nebraska appellate repository and public SOS/Attorney General materials did not locate:\n\n- a controlling appellate decision interpreting Chapter 69’s private-remedy question;\n- a controlling appellate CSO damages or injunction decision;\n- a public Chapter 69 licensing final order;\n- a public CSO final enforcement order; or\n- a merits judgment against a Nebraska debt-settlement provider under these exact statutes.\n\nThis is a bounded negative search result. It is not proof that no trial order, consent decree, confidential investigation, archived paper order, nonindexed administrative decision, federal matter, or commercial-docket record exists.\n\n# H. Statutory remedy and amount table\n\n| Remedy or consequence | Exact legal unit or formula | Recipient or enforcing party | Conditions and nonduplication limits |\n| --- | --- | --- | --- |\n| Chapter 69 examination charge | Actual examination cost determined by SOS | State General Fund | License automatically suspended if unpaid 30 days after receipt of demand; not consumer restitution |\n| Chapter 69 unlicensed-operation crime | Class II misdemeanor: maximum 6 months, $1,000 fine, or both | State criminal enforcement | Requires Chapter 69 coverage, no license, and knowing/willful conduct |\n| Chapter 69 bond | $10,000 aggregate surety liability for claimants dealing with bonded office | Covered claimant, subject to bond statute/instrument | Faithful-accounting condition; not a general damages fund |\n| CSO private damages floor | Amount paid to CSO + reasonable attorney fees + court costs | Injured statutory buyer | Violation, injury, causation, timeliness, judgment |\n| CSO security | $100,000 aggregate bond/account | Person damaged, but surety/trustee liability limited to §45-810 damages | Not automatic; security mechanics remain separate |\n| CSO violation crime | Class II misdemeanor: maximum 6 months, $1,000 fine, or both | State | Criminal elements and prosecution required |\n| NCPA private damages | Actual business/property damages | Qualifying injured person | Public interest for §59-1602, causation, no exclusion |\n| NCPA discretionary increase | Amount reasonably related to unmeasurable nonpecuniary damage; maximum **$1,000** for §59-1602 | Private claimant | Court discretion; not automatic or per violation |\n| NCPA restoration | Money/property acquired through prohibited act | Person in interest, through public action | Court discretion in Attorney General case |\n| NCPA §59-1602 civil penalty | Up to **$2,000 per violation** | State | Attorney General action; violation unit must be established |\n| NCPA §§59-1603/1604 or injunction branch | Up to **$500,000** | State | Separate antitrust/injunction branch, not ordinary §59-1602 amount |\n| UDTPA private injunction | Equitable relief; no fixed dollar measure | Person likely to be damaged | Likely future harm; ordinary private damages unavailable under §87-303 |\n| UDTPA induced-sale remedy | Rescind or retain merchandise/services without further payment | Qualifying buyer/lessee | Must prove inducement into a covered sale or lease |\n| UDTPA civil penalty | Up to **$2,000 per violation** | State | Attorney General action; unit must be established |\n| UDTPA ordinary violation crime | Class II misdemeanor: maximum 6 months, $1,000, or both | State | Criminal prosecution |\n| Willful violation of UDTPA order/assurance | Class IV felony: maximum 2 years plus 12 months’ post-release supervision, $10,000, or both | State | Requires willful breach of injunction, declaratory judgment, or assurance |\n| TSR private threshold | More than **$50,000 actual damages for each adversely affected person** | Qualifying private federal plaintiff | Threshold, not automatic award; pattern/practice and federal prerequisites |\n| CROA private base damages | Greater of actual damages or amount paid | Covered consumer | CROA coverage and violation required |\n| CROA punitive damages | Court-determined additional amount | Successful consumer/class | Discretionary; statutory factors apply |\n| CFPA public relief | Rescission, refunds, restitution, disgorgement, damages, activity limits, public civil penalties | CFPB or qualifying State public enforcer | Public route; current adjusted penalty amounts not supplied here |\n\n# I. Remedy-specific limitation and event matrix\n\n| Action or event | Trigger | Period or notice requirement | Important qualification |\n| --- | --- | --- | --- |\n| Chapter 69 action “under” Act | Accrual | 2 years | Accrual/discovery/tolling and cause of action unresolved |\n| Chapter 69 disciplinary hearing notice | Service of sworn written charges | At least 10 and no more than 30 days before hearing | Applies to denial, suspension, or revocation under §69-1207 |\n| Chapter 69 exam-cost suspension | Receipt of demand | Automatic suspension after 30 days without payment | Restored when fee paid under statutory text |\n| APA judicial review | Service of final contested-case decision | Petition within 30 days | Qualification as contested case and parties must be established |\n| APA summons/service | Filing review petition | Generally within 30 days after filing | Separate from petition deadline |\n| CSO §45-810 damages | Contract execution | 4 years | Not discovery-based on text |\n| CSO §45-812/UDTPA-designation action | Contract execution | 4 years | Section 45-813 does not expressly govern §45-811 injunction |\n| NCPA private damages | Accrual | 4 years | AG same-matter action may suspend running as statutorily specified |\n| UDTPA civil action | Purchase of goods/services | 4 years | Purchase date for continuing services may require contract facts |\n| UDTPA filing notice to AG | Filing covered pleading | Within 7 days | Failure not dismissal; possible AG vacatur/modification action |\n| UDTPA final judgment notice | Entry of final judgment | Within 7 days | Statutory transmission requirements apply |\n| UDTPA appeal notice | Filing notice of appeal | Within 7 days | Separate rule for Small Claims appeal |\n| General Class II misdemeanor prosecution | Commission of offense | Generally 1 year 6 months | Other law, fugitive status, and statutory exceptions may alter |\n| General Class IV felony prosecution | Commission of offense | Generally 3 years | Other law and statutory exceptions may alter |\n| TSR private action | Discovery of violation | 3 years | Pattern/practice, >$50,000 per person, FTC notice, and parallel-action rules |\n| CROA ordinary action | Occurrence of violation | 5 years | Later special discovery branch applies only to specified material/willful disclosure misrepresentation |\n| CROA special discovery branch | Consumer discovery of qualifying misrepresentation | 5 years | Exact statutory elements must be met |\n| AG/CART complaint | Complaint submission | No tolling period stated | Not a lawsuit, appeal, or limitations-preservation mechanism |\n\n# J. Bounded examples\n\n## Example 1 — Chapter 69 licensing discipline versus consumer recovery\n\n**Assumptions**\n\n- Provider’s conduct is conclusively classified as Chapter 69 debt management.\n- Provider operated without a license.\n- Operation was knowing or willful.\n- Consumer paid the provider $1,500 and claims the entire amount as loss.\n- No independent CSO, NCPA, UDTPA, contract, bond, or federal cause has yet been proved.\n\n**Public consequence**\n\nPlain text\n```\nChapter 69 offense              Class II misdemeanor\nMaximum imprisonment            6 months\nMaximum fine                    $1,000\n```\n\nThe Secretary may also pursue licensing consequences if the provider applies for or later holds a license.\n\n**Private result**\n\nPlain text\n```\nClaimed consumer loss           $1,500\nExpress Chapter 69 damages      Not established\nAutomatic restitution           $0 established by §69-1215 alone\n```\n\nThe misdemeanor does not automatically transfer $1,500 to the consumer. A separate cause of action and remedy must be established.\n\n## Example 2 — Two-year clause does not create a claim\n\n**Assumptions**\n\n- Alleged Chapter 69 violation occurred at event **V**.\n- Claimant files at **V + 18 months**.\n- Claimant identifies no contract, bond, NCPA, UDTPA, or recognized implied action.\n\n**Result**\n\nThe filing is arithmetically within two years, but timeliness is not enough:\n\nPlain text\n```\nWithin statutory period?        Yes, under stated assumption\nValid cause of action proved?   No\nRecovery established?           No\n```\n\nSection 69-1216 limits a valid action; it does not supply the missing substantive claim.\n\n## Example 3 — CSO statutory damages floor\n\n**Assumptions**\n\n- Provider is a covered, nonexempt CSO.\n- Buyer paid **$1,200**.\n- Buyer proves an Act violation and injury caused by it.\n- Buyer’s separately measurable economic injury is **$500**.\n- Action is timely.\n- Reasonable attorney fees and court costs will be determined by the court.\n\n**Calculation**\n\nPlain text\n```\nAmount paid to CSO                      $1,200\nSeparately measured injury                $500\nStatutory damages floor                 $1,200\nAttorney fees and costs             + court-determined\n```\n\nBecause $1,200 exceeds the separately measured $500 injury, the award cannot be less than **$1,200 plus reasonable attorney fees and court costs**. The example does not create punitive damages or guarantee security recovery.\n\n## Example 4 — NCPA private claim with discretionary increase\n\n**Assumptions**\n\n- Provider conduct violates §59-1602.\n- The conduct affects the Nebraska public interest.\n- Section 59-1617 does not exclude the transaction.\n- Plaintiff proves **$1,200** injury to business or property.\n- Plaintiff also proves qualifying nonpecuniary damage not measurable by ordinary standards.\n- The court exercises its discretion to award the full permitted §59-1602 increase.\n\n**Calculation**\n\nPlain text\n```\nActual damages                          $1,200\nMaximum discretionary increase          +1,000\n                                        ------\nIllustrative maximum before fees/costs  $2,200\n```\n\nThe $1,000 increase is discretionary, not automatic and not multiplied by the number of alleged deceptive acts. Attorney fees and costs remain separate.\n\nIf the public-interest or §59-1617 requirement fails:\n\nPlain text\n```\nNCPA recovery under this theory         $0 established\n```\n\nOther theories are not decided.\n\n## Example 5 — NCPA Attorney General civil-penalty units\n\n**Assumptions**\n\n- A court establishes exactly three distinct §59-1602 violations.\n- No publisher exception applies.\n- The court imposes the statutory maximum for each.\n- Restoration and litigation expenses are calculated separately.\n\n**Calculation**\n\nPlain text\n```\nEstablished violations                  3\nMaximum per violation                   $2,000\n3 × $2,000                              $6,000\n```\n\nMaximum civil penalties on those assumptions are **$6,000**. The State may separately pursue restoration. Nothing in the amount statute itself authorizes counting each call, consumer, day, debt, or contract as a separate violation without an adjudicated unit theory.\n\n## Example 6 — Past UDTPA loss without likely future harm\n\n**Assumptions**\n\n- Consumer paid **$400** after a deceptive representation.\n- Consumer now knows the truth.\n- Transaction is completed.\n- No likely future exposure or repeat deception is shown.\n- Section 87-303.07’s induced-sale remedy is not established.\n\n**Result**\n\nPlain text\n```\nPast economic loss                      $400\nPrivate §87-303 damages available       $0\nPrivate §87-303 injunction              Not established\n```\n\nUnder *Reinbrecht*, the ordinary private UDTPA injunction route requires likely future damage and does not award the $400 as damages. An NCPA, CSO, contract, or other theory would require separate proof.\n\n## Example 7 — CSO violation and UDTPA overlap\n\n**Assumptions**\n\n- Covered CSO violates the Act.\n- Buyer paid **$900** and is injured.\n- Violation is continuing and likely to harm the buyer again.\n- All actions are timely.\n\n**Distinct routes**\n\nPlain text\n```\nCSO §45-810 damages floor               $900 + fees/costs\nCSO §45-811 injunction                  Potentially available\nUDTPA §87-303 injunction                Potentially available for future harm\nUDTPA ordinary private damages          Not available under §87-303\n```\n\nThe buyer may not count the same $900 twice merely because §45-812 labels the violation a deceptive trade practice.\n\nSection 87-303.07 remains separate and would require proof that the buyer was induced into a covered sale or lease.\n\n## Example 8 — Contract-execution versus accrual clocks\n\nLet:\n\nPlain text\n```\nE = date CSO services contract was executed\nA = date an NCPA claim accrued\nP = date services were purchased for UDTPA purposes\n```\n\nThe statutes produce separate outer points:\n\nPlain text\n```\nCSO §45-810 / §45-812        E + 4 years\nNCPA private damages         A + 4 years, subject to statutory AG tolling\nUDTPA civil action           P + 4 years\n```\n\nNo weekend, holiday, filing-hour, relation-back, tolling, or service computation is supplied here. An exact calendar deadline remains held.\n\n## Example 9 — APA review after license suspension\n\nLet:\n\nPlain text\n```\nD = date final contested-case decision is served\nF = date petition for review is filed\n```\n\nConditional sequence:\n\nPlain text\n```\nPetition deadline            D + 30 days\nSummons/service deadline     F + 30 days\nAutomatic stay               No\n```\n\nThe example assumes a final contested-case decision and does not resolve venue, party status, reconsideration, or an actual stay request.\n\n## Example 10 — Noncustodial classification ambiguity\n\n**Facts**\n\n- Company calls itself a settlement negotiator.\n- Consumer owns a designated account.\n- Unknown whether provider, affiliate, or administrator can initiate payments, debit fees, approve settlements, or control distributions.\n- Company is not on the DMP roster.\n\n**Result**\n\nThe following may **not** be concluded solely from those facts:\n\nPlain text\n```\nChapter 69 violation                 Held\nChapter 69 misdemeanor               Held\nChapter 69 two-year period           Held\nChapter 69 private action            Not established\nCSO coverage                         Held\nNCPA/UDTPA liability                 Held\n```\n\nThe actual conduct, entity, control rights, representations, exemption evidence, public-interest facts, injury, and limitation triggers must be established first.\n\n# K. Source table\n\n| Source ID | Title, issuer, full literal URL, and exact pinpoint | Version/status and actual access | Limits |\n| --- | --- | --- | --- |\n| **S_NE-P7-S001** | **Nebraska Debt Management Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201 §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsections (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216 complete section. | Current official codification freshly read October 26, 2026 Pacific. Source histories vary; no complete session-law or rule-history audit. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com)) | Controlling statutory text. Same document family as P1 S001, freshly read here for remedies. No private-action holding located. |\n| **S_NE-P7-S002** | **Nebraska Credit Services Organization Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804; https://nebraskalegislature.gov/laws/statutes.php?statute=45-805; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815. | Current official codification freshly read October 26, 2026. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-810&utm_source=chatgpt.com)) | Conditional on CSO scope and exemptions. No directly controlling appellate CSO remedy case located. |\n| **S_NE-P7-S003** | **Nebraska Consumer Protection Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608.01; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1616; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617. | Current official codification freshly read October 26, 2026; §59-1608.01 and investigatory provisions include 2024 amendments. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608&utm_source=chatgpt.com)) | Exact §59-1617 application to Chapter 69/CSO conduct remains unresolved. Official annotations were discovery/context, not substitutes for unread opinions. |\n| **S_NE-P7-S004** | **Nebraska Uniform Deceptive Trade Practices Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; https://nebraskalegislature.gov/laws/statutes.php?statute=87-302; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.01; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.03; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.05; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.06; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.09; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13. | Current official codification freshly read October 26, 2026; several enforcement/jury provisions reflect 2024 amendments. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=87-303&utm_source=chatgpt.com)) | Private damages, public enforcement, rescission, and criminal branches must remain separate. |\n| **S_NE-P7-S005** | **Nebraska Administrative Procedure Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=84-901; https://nebraskalegislature.gov/laws/statutes.php?statute=84-913; https://nebraskalegislature.gov/laws/statutes.php?statute=84-917; https://nebraskalegislature.gov/laws/statutes.php?statute=84-918. | Current official codification freshly read October 26, 2026. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=84-917&utm_source=chatgpt.com)) | Applies only where the actual agency proceeding and decision meet APA predicates. |\n| **S_NE-P7-S006** | **Nebraska penalty and criminal-limitation statutes**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=28-106 Class II misdemeanor; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105 Class IV felony; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110 general prosecution periods and exceptions. | Current official codification freshly read October 26, 2026; §28-105 includes 2025 amendment history. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=29-110&utm_source=chatgpt.com)) | General periods; another law, offense characterization, fugitive status, or tolling may alter a real prosecution. |\n| **S_NE-P7-S007** | ***Pettit v. Nebraska Department of Correctional Services***, 291 Neb. 513, 867 N.W.2d 553 (2015), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB; printed p. 513/PDF index 0 and printed p. 523/index 10. | Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB) | General implied-private-action standard only; not a debt-management case. |\n| **S_NE-P7-S008** | ***Eicher v. Mid America Financial Investment Corp.***, 275 Neb. 462, 748 N.W.2d 1 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed p. 462/index 0, p. 473/index 11, p. 474/index 12. | Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB) | NCPA public-interest holding; not a DMP/CSO scope or exemption holding. |\n| **S_NE-P7-S009** | ***Reinbrecht v. Walgreen Co.***, 16 Neb. App. 108, 742 N.W.2d 243 (2007), Nebraska Court of Appeals. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed p. 108/index 0, p. 113/index 5, p. 114/index 6. | Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. [Nebraska.gov+1](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB) | Private UDTPA remedy/future-harm holding; not a debt-relief case. |\n| **S_NE-P7-S010** | ***State ex rel. Stenberg v. Consumer’s Choice Foods, Inc.***, 276 Neb. 481, 755 N.W.2d 583 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB; printed p. 481/index 0, p. 485/index 4, p. 492/index 11, p. 496/index 15, p. 497/index 16. | Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. [Nebraska.gov+4](https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB) | General State NCPA/UDTPA enforcement illustration, not Chapter 69 or CSO authority. |\n| **S_NE-P7-S011** | **Nebraska Secretary of State public licensing pages.** https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/licensing/debt-management-statutes. | Current public pages freshly checked October 26, 2026. ([sos.nebraska.gov](https://sos.nebraska.gov/licensing/debt-management-agencies?utm_source=chatgpt.com)) | Visible pages provide forms, rosters, statutes, and contact information, not a complete enforcement-order universe. |\n| **S_NE-P7-S012** | **Nebraska Attorney General complaint/CART pages.** https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team. | Current complaint form checked October 26, 2026; CART announcement dated December 2, 2021 and checked October 26, 2026. ([ago.nebraska.gov](https://ago.nebraska.gov/constituent-complaint-form?utm_source=chatgpt.com)) | Voluntary complaint/dispute process; not private representation, court filing, or tolling authority. |\n| **S_NE-P7-S013** | **Telemarketing and Consumer Fraud and Abuse Prevention Act.** https://uscode.house.gov/us/usc/119-124/t15/s6103/; https://uscode.house.gov/us/usc/119-124/t15/s6104/; https://uscode.house.gov/us/usc/119-124/t15/s6105/. | U.S. Code text through Public Law 119-124, October 15, 2026; freshly read October 26. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s6104/?utm_source=chatgpt.com)) | Conditional TSR remedy boundary only; actual telemarketing coverage remains held. |\n| **S_NE-P7-S014** | **Federal Credit Repair Organizations Act remedy provisions.** https://uscode.house.gov/us/usc/119-120/t15/s1679f/; https://uscode.house.gov/us/usc/119-120/t15/s1679g/; https://uscode.house.gov/us/usc/119-120/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/. | Displayed U.S. Code text through Public Law 119-120 or 119-118, as stated on the individual pages; freshly read October 26, 2026. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com)) | Conditional on CROA coverage and exemption facts. |\n| **S_NE-P7-S015** | **Consumer Financial Protection Act public-enforcement provisions.** https://uscode.house.gov/us/usc/119-124/t12/s5552/; https://uscode.house.gov/us/usc/119-124/t12/s5564/; https://uscode.house.gov/us/usc/119-124/t12/s5565/. | U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t12/s5565/?utm_source=chatgpt.com)) | Public-enforcement boundary only; current inflation-adjusted penalties not researched. |\n| **S_NE-P7-S016** | **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 PASS-02 access history, not reclassified as fresh: index identified Title 433; dynamic catalog yielded a JS shell; coordinator docket route returned 403 while a separate route yielded a shell; annual-PDF histories remain separately attributed. | No complete current substantive rule, hearing-procedure, civil-penalty, or final-order universe authenticated. Not proof no rule exists. |\n| **S_NE-P7-S017** | **Bounded official searches:** Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; Nebraska SOS https://sos.nebraska.gov/; Nebraska AG https://ago.nebraska.gov/; exact searches for “Debt Management Act,” §§69-1207, 69-1216, “Credit Services Organization Act,” §§45-810–45-813, final order, revocation, restitution, and debt settlement. | Search-only work October 26, 2026. | No directly controlling DMP/CSO remedy decision or indexed final order located. Not an exhaustive citator, trial docket, archive, records request, or nonpublic file review. |\n\n# L. Claim table\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, consequence, and confidence |\n| --- | --- | --- | --- |\n| **S_NE-P7-C001** | Chapter 69 enforcement depends first on satisfying its conjunctive debt-management definition and nonexemption predicates. | S001, §§69-1201–69-1202. | **High for text;** custody, “evidences thereof,” remote, administrator, and affiliate facts remain held. |\n| **S_NE-P7-C002** | Covered debt-management business without a license is unlawful. | S001, §69-1203. | **High.** |\n| **S_NE-P7-C003** | SOS may deny, suspend, or revoke for felony conviction, Act violation, licensing fraud, continuous unfair conduct, or insolvency-related grounds. | S001, §69-1207(1). | **High.** |\n| **S_NE-P7-C004** | Chapter 69 discipline requires sworn written charges, hearing, and certified service 10–30 days before hearing. | S001, §69-1207(2). | **High.** |\n| **S_NE-P7-C005** | SOS may conduct unannounced examinations and compel testimony and records in alleged-violation investigations. | S001, §69-1211. | **High.** |\n| **S_NE-P7-C006** | Failure to pay demanded examination costs within 30 days automatically suspends the license until payment. | S001, §69-1211. | **High;** further review procedure unresolved. |\n| **S_NE-P7-C007** | Knowing or willful unlicensed Chapter 69 operation is a Class II misdemeanor. | S001, §69-1215; S006, §28-106. | **High, conditional on coverage and scienter.** |\n| **S_NE-P7-C008** | Chapter 69 does not expressly supply consumer damages, restitution, private injunction, civil penalties, fee shifting, or universal contract voidness. | S001, complete material remedies provisions. | **High for reviewed statute;** Title 433 gap preserved. |\n| **S_NE-P7-C009** | Section 69-1216 limits valid actions under Chapter 69 to two years after accrual but does not itself create a cause. | S001, §69-1216; S007. | **High for text; implied-action issue unresolved.** |\n| **S_NE-P7-C010** | Nebraska implied-private-action analysis turns on statutory purpose and legislative intent. | S007, *Pettit*, pp. 513, 523/index 0, 10. | **High general rule;** not Chapter 69 holding. |\n| **S_NE-P7-C011** | A final qualifying contested-case decision is reviewable under the APA by petition within 30 days after service, with separate service duties. | S005, §84-917. | **High conditionally;** no actual order reviewed. |\n| **S_NE-P7-C012** | A covered, nonexempt CSO buyer injured by an Act violation has an express damages action. | S002, §§45-802–45-803, 45-810. | **High;** injury and causation required. |\n| **S_NE-P7-C013** | CSO damages cannot be less than amount paid plus reasonable attorney fees and court costs. | S002, §45-810. | **High;** no automatic punitive award in state Act. |\n| **S_NE-P7-C014** | AG or buyer may bring a district-court action to enjoin a CSO Act violation. | S002, §45-811. | **High;** exact standing/equity application remains fact-specific. |\n| **S_NE-P7-C015** | Every CSO violation is designated a UDTPA deceptive trade practice. | S002, §45-812. | **High;** does not create ordinary private UDTPA damages. |\n| **S_NE-P7-C016** | Breach of a CSO contract or contract obligation is an Act violation. | S002, §45-808(5). | **High.** |\n| **S_NE-P7-C017** | A purported waiver of a CSO Act right is void; entire-contract voidness is not stated. | S002, §45-809. | **High for distinction.** |\n| **S_NE-P7-C018** | CSO §45-810 and §45-812 actions are barred more than four years after contract execution. | S002, §45-813. | **High;** no discovery branch in text. |\n| **S_NE-P7-C019** | Any CSO Act violation is a Class II misdemeanor, and remedies are cumulative. | S002, §§45-814–45-815; S006. | **High;** criminal mens rea application not fully researched. |\n| **S_NE-P7-C020** | CSO security is liable only for §45-810 damages and is capped in aggregate at $100,000. | S002, §45-805(3)–(4). | **High;** claim mechanics remain separate. |\n| **S_NE-P7-C021** | A private NCPA claimant may seek actual business/property damages, injunction, costs, and reasonable fees when §59-1609 predicates are met. | S003, §59-1609. | **High.** |\n| **S_NE-P7-C022** | A private §59-1602 NCPA theory requires public-interest impact. | S008, *Eicher*, pp. 473–474/index 11–12. | **High;** application fact-specific. |\n| **S_NE-P7-C023** | NCPA court may add a discretionary amount for unmeasurable nonpecuniary damage, capped at $1,000 for §59-1602. | S003, §59-1609. | **High;** not automatic or per violation. |\n| **S_NE-P7-C024** | AG may seek NCPA injunction and court-ordered restoration of money/property. | S003, §59-1608. | **High;** restoration discretionary and public. |\n| **S_NE-P7-C025** | AG may issue CIDs and seek a 14-day ex parte connected-asset freeze followed by hearing and possible extension. | S003, §59-1611. | **High.** |\n| **S_NE-P7-C026** | NCPA §59-1602 civil penalty is up to $2,000 per violation; separate branches reach $500,000. | S003, §59-1614. | **High;** unit of violation requires adjudication. |\n| **S_NE-P7-C027** | An NCPA assurance is not an admission, but breach is prima facie evidence of a violation. | S003, §59-1610. | **High.** |\n| **S_NE-P7-C028** | A merits judgment may be prima facie evidence in a later private NCPA action; a no-illegality consent judgment is excluded. | S003, §59-1613. | **High.** |\n| **S_NE-P7-C029** | NCPA’s regulatory exclusion is action/transaction-specific and may be broad; exact Chapter 69/CSO application is unresolved. | S003, §59-1617. | **Partial/HOLD.** No exact provider decision located. |\n| **S_NE-P7-C030** | Private NCPA damages actions have a four-year accrual period and specified AG-action tolling. | S003, §59-1612. | **High;** accrual and other tolling unresolved. |\n| **S_NE-P7-C031** | Private UDTPA §87-303 relief is prospective injunction, not ordinary damages, and requires likely future damage. | S004, §87-303; S009, *Reinbrecht*, pp. 113–114/index 5–6. | **High.** |\n| **S_NE-P7-C032** | UDTPA induced-sale/lease branch may make agreement unenforceable and allow rescission or retention without further payment. | S004, §87-303.07. | **High textually;** applicability to provider services held. |\n| **S_NE-P7-C033** | AG may issue UDTPA cease-and-desist orders with or without prior hearing and use subpoenas/hearings. | S004, §87-303.03. | **High.** |\n| **S_NE-P7-C034** | Court may suspend/revoke a license used to further alleged practice when a person disobeys an AG report order or subpoena. | S004, §87-303.04. | **High;** not automatic complaint-based revocation. |\n| **S_NE-P7-C035** | AG may obtain UDTPA injunction, restoration, assurance, and connected-asset freeze. | S004, §§87-303.02, 87-303.05. | **High.** |\n| **S_NE-P7-C036** | UDTPA violation is a Class II misdemeanor; willful breach of order/assurance is Class IV felony. | S004, §§87-303.08–.09; S006. | **High.** |\n| **S_NE-P7-C037** | UDTPA civil penalty is up to $2,000 per violation. | S004, §87-303.11. | **High;** unit requires adjudication. |\n| **S_NE-P7-C038** | UDTPA civil action has four years from purchase of goods/services. | S004, §87-303.10. | **High;** purchase date may be fact-dependent. |\n| **S_NE-P7-C039** | UDTPA pleadings, judgments, and appeal notices have seven-day AG transmission duties; failure is not dismissal. | S004, §87-303.12. | **High.** |\n| **S_NE-P7-C040** | AG or defendant may demand jury on NCPA or UDTPA claim under 2024 provisions. | S003, §59-1608.01; S004, §87-303.13. | **High;** other jury/class issues unresolved. |\n| **S_NE-P7-C041** | General Class II misdemeanor period is 1 year 6 months and general felony period 3 years, subject to exceptions. | S006, §29-110. | **High as general rule, not actual deadline advice.** |\n| **S_NE-P7-C042** | TSR private action requires pattern/practice, >$50,000 actual damages per person, three-year discovery period, and federal notice/parallel-action conditions. | S013, §6104. | **High; actual TSR coverage held.** |\n| **S_NE-P7-C043** | State AG TSR action requires pattern/practice and may seek injunction, damages, restitution, and compensation. | S013, §6103. | **High; federal notice and parallel-action restrictions apply.** |\n| **S_NE-P7-C044** | CROA private liability is greater of actual damages or amount paid, plus possible punitive damages and successful-action fees/costs. | S014, §1679g. | **High when CROA applies.** |\n| **S_NE-P7-C045** | CROA limitation is five years from occurrence, with specified material/willful disclosure-misrepresentation discovery branch. | S014, §1679i. | **High.** |\n| **S_NE-P7-C046** | CROA FTC and State public enforcement routes are separate from private liability. | S014, §1679h. | **High.** |\n| **S_NE-P7-C047** | CFPA cited provisions create public CFPB/State enforcement and broad public relief, not an ordinary consumer cause in those sections. | S015, §§5552, 5564–5565. | **High for cited text; enumerated-law claims remain separate.** |\n| **S_NE-P7-C048** | SOS public pages show forms, rosters, statutes, and contacts, but no displayed final-order or complaint database. | S011. | **High for visible page contents; not proof no orders exist.** |\n| **S_NE-P7-C049** | CART complaint/dispute resolution is voluntary and AG is not the individual’s private attorney. | S012. | **High.** |\n| **S_NE-P7-C050** | Filing an AG/CART complaint is not shown to toll, exhaust, or preserve a private claim. | S012 and absence of such statement. | **Partial/HOLD for any other legal tolling theory.** |\n| **S_NE-P7-C051** | No directly controlling public Nebraska DMP/CSO remedy decision or indexed final order was located. | S017. | **Limited negative search only.** |\n| **S_NE-P7-C052** | Complete current Title 433 remedies and hearing rules remain unauthenticated. | S016. | **HOLD; no no-rule conclusion.** |\n\n# M. Component coverage and exact remaining gaps\n\n| Assigned issue | Status | Claim IDs | Missing evidence or next action |\n| --- | --- | --- | --- |\n| Chapter 69 scope predicate | **Preserved/conditional** | C001 | Actual custody, payment authority, debtor, remote nexus, and entity facts |\n| Chapter 69 license discipline grounds | **Answered** | C003–C004 | Actual charges, service, hearing record, and final order |\n| Chapter 69 examination/investigation | **Answered** | C005–C006 | Actual demand, cost calculation, production order, and review record |\n| Chapter 69 cease-and-desist | **Not expressly established in Chapter 69** | C008 | Current Title 433 or formal order; UDTPA route remains separate |\n| Chapter 69 restitution | **Not expressly established** | C008 | Independent NCPA/UDTPA/bond/contract authority |\n| Chapter 69 civil penalties | **Not expressly established** | C008 | Current rule or separate statutory theory |\n| Chapter 69 criminal offense | **Answered** | C007 | Actual coverage, role, license status, knowledge/willfulness |\n| Chapter 69 private damages | **Unresolved/not established** | C008–C010 | Controlling case, legislative history, or recognized implied-action decision |\n| Chapter 69 private injunction | **Not established** | C008 | Independent statute or controlling decision |\n| Chapter 69 contract voidness | **Not established** | C008 | Contract/remedies pass and actual clause |\n| Chapter 69 two-year period | **Answered textually; accrual partial** | C009 | Controlling accrual, discovery, tolling, and claim-characterization authority |\n| Chapter 69 administrative appeal | **Answered conditionally** | C011 | Actual final contested-case decision and service record |\n| CSO scope/exemptions | **Answered conditionally** | C012 | Actual service, representation, payment, entity, and exemption evidence |\n| CSO private damages | **Answered** | C012–C013 | Actual injury, causation, payment, fees, and judgment |\n| CSO injunction | **Answered textually** | C014 | Standing and equitable application in an actual case |\n| CSO contract breach | **Answered** | C016 | Actual contract and breach evidence |\n| CSO waiver | **Answered** | C017 | Actual release/arbitration/settlement clause |\n| CSO entire-contract voidness | **Not established under state Act** | C017 | Actual clause, severability, CROA coverage, and contract law |\n| CSO UDTPA incorporation | **Answered** | C015 | Particular UDTPA remedy predicates |\n| CSO security boundary | **Answered narrowly** | C020 | Full P5 security review remains unaccepted; actual instrument/claim excluded |\n| CSO criminal provision | **Answered** | C019 | Criminal mens rea and prosecution facts |\n| CSO four-year period | **Answered** | C018 | Exact execution date and any separate cause |\n| NCPA private standing | **Answered generally** | C021–C022 | Actual public interest, injury, causation, exposure/reliance facts |\n| NCPA regulatory exclusion | **Unresolved for DMP/CSO** | C029 | Full controlling-case review and exact regulated conduct |\n| NCPA private damages | **Answered** | C021, C023 | Actual damages and court discretion |\n| NCPA Attorney General injunction/restoration | **Answered** | C024–C026 | Actual public pleading/order |\n| NCPA assurance and evidentiary effects | **Answered** | C027–C028 | Actual document and whether merits finding exists |\n| NCPA limitation/tolling | **Answered textually; accrual partial** | C030 | Accrual, concealment, class tolling, exact AG pendency |\n| UDTPA private injunction | **Answered** | C031 | Actual likely future harm |\n| UDTPA rescission/retention | **Answered textually; application partial** | C032 | Whether service agreement is covered sale/lease and inducement proof |\n| UDTPA Attorney General C&D/investigation | **Answered** | C033–C035 | Actual order, service, hearing, and judicial review |\n| UDTPA civil/criminal penalties | **Answered** | C036–C037 | Actual violation unit, willfulness, and prosecution |\n| UDTPA limitation | **Answered textually** | C038 | Actual purchase date and other tolling |\n| UDTPA AG notice procedure | **Answered** | C039 | Actual filing and mailing evidence |\n| Jury implications | **Answered only for express NCPA/UDTPA provisions** | C040 | Private jury, equitable allocation, class, and arbitration questions remain later |\n| Federal TSR remedy boundary | **Answered conditionally** | C042–C043 | Actual telemarketing plan, calls, actor, exemption, damages |\n| CROA remedy boundary | **Answered conditionally** | C044–C046 | Actual credit-repair purpose, entity, consumer, and exemption |\n| CFPA boundary | **Answered as public route** | C047 | Covered person/product, jurisdiction, current adjusted penalties |\n| Public SOS procedure | **Partial** | C048 | Nonindexed orders, hearing files, archive, records request |\n| AG complaint procedure | **Answered operationally** | C049–C050 | Actual complaint and agency response excluded |\n| DMP/CSO final orders | **Not located** | C051 | Full archive, paper files, trial/federal dockets, records request |\n| Current Title 433 remedies/hearing rules | **Unresolved** | C052 | Accessible official complete current compilation and adoption orders |\n| Full bond claims | **Excluded except statutory boundary** | C020 | PASS-05 and future reviewed component |\n| Full agreement enforceability/arbitration | **Excluded** | — | PASS-06 and future reviewed component |\n| Full funds/return consequences | **Excluded** | — | PASS-04 and future reviewed component |\n| Common-law fraud, negligent misrepresentation, contract, unjust enrichment | **Excluded** | — | Separate Nebraska private-remedies pass if assigned |\n| Collections, garnishment, ordinary debt limitations, secured debts, sector laws | **Excluded** | — | Separate required passes |\n| Local, tribal, country, choice-of-law dimensions | **Excluded** | — | Separate required passes |\n| Named-provider liability or approval | **Not performed** | — | Exact entity, conduct, license, contract, and dated records |\n\n# N. Researcher self-check\n\n## Freshly read in PASS-07\n\n- Current operative Nebraska provisions materially relevant to:Chapter 69 licensing discipline, examinations, criminal offense, bond boundary, and limitation;CSO scope, exemptions, prohibited acts, security boundary, private damages, injunction, UDTPA incorporation, limitation, criminal provision, and cumulative remedies;NCPA private and Attorney General remedies, CIDs, asset freezes, assurances, evidentiary effects, civil penalties, limitation/tolling, jury provision, and regulatory exclusion;UDTPA private injunction, induced-sale remedy, Attorney General investigation, cease-and-desist, restoration, license consequences, penalties, criminal provisions, limitation, AG-copy procedure, and jury provision;Nebraska APA contested-case review;Nebraska Class II misdemeanor and Class IV felony ranges and general criminal limitations.\n- Relevant portions of the four published Nebraska cases identified in the source table, using the actual PDF pages and page images.\n- Current public SOS DMP and CSO pages.\n- Current Attorney General complaint form and CART public description.\n- Federal Telemarketing Act private and State routes.\n- CROA private, State, and limitation provisions.\n- CFPA public-enforcement provisions.\n\n## Reused only as attributed prior history\n\n- PASS-01’s provider-classification and fee boundaries.\n- PASS-02’s current Title 433 access history and federal wording corrections.\n- PASS-03’s correction that federal withdrawal is from the debt-relief service, not an unconditional bank-account withdrawal or closure right.\n- Historical P1 source IDs and coordinator review descriptions.\n\nThis is not an independent review of those prior passes.\n\n## Not treated as reviewed premises\n\n- PASS-04 consumer-funds conclusions.\n- PASS-05 bond/security conclusions beyond statutes freshly read here for the narrow claim boundary.\n- PASS-06 agreement conclusions beyond the CSO contract-breach and waiver provisions freshly read here.\n\n## Failed, limited, or unresolved evidence\n\n- No complete authenticated current Title 433 remedies or administrative-hearing compilation.\n- No indexed public Chapter 69 or CSO final-order repository located.\n- No directly controlling Nebraska appellate decision on:an implied Chapter 69 consumer action;Chapter 69 accrual;Chapter 69 private injunction or contract voidness;CSO injury/causation details;§45-811 standing;§45-812 and §87-303.07 interaction;§59-1617’s application to Chapter 69 or CSO activity;provider-specific civil-penalty units; orelectronic or remote-provider enforcement.\n- No complete commercial citator, trial-court docket, federal PACER search, nonpublic agency file, paper archive, surety claim file, or records request.\n- Official statute annotations identifying additional NCPA regulatory-exemption cases were not treated as substitutes for full opinions that were not read.\n\n## Actions not performed\n\nNo Deep Research, Work, Codex research generation, API use, purchase, filing, complaint, application, account action, agency or company contact, private borrower/provider-data access, website change, publication, Chrome control, other chat, CAPTCHA bypass, security workaround, or local-file save was performed.\n\n**Focused disposition:** Chapter 69 provides strong public licensing, examination, and criminal tools but no established standalone consumer damages remedy. The CSO Act expressly provides buyer damages and injunctions, while the NCPA and UDTPA add distinct—not interchangeable—public and private theories. Each theory has its own claimant, injury, future-harm, public-interest, regulatory-exclusion, remedy, and limitation predicates. Informal complaints, licensing violations, settlements, or numerical penalty ceilings do not automatically establish restitution or private recovery.\n\nEND S_NE PASS-07.\n\n","tables":[{"headers":["Model or conduct","Nebraska public enforcement","Express private Nebraska remedy","Primary limitation or review rule","PASS-07 disposition"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Model or conduct","Nebraska public enforcement","Express private Nebraska remedy","Primary limitation or review rule","PASS-07 disposition"],["Licensed Chapter 69 custodial DMP violates Chapter 69","SOS denial, suspension, or revocation; examination and investigation; possible general UDTPA/NCPA enforcement if their independent predicates are met","No express Chapter 69 consumer damages or injunction action identified","Two years after accrual for a valid action “under” Chapter 69; APA review separately applies to qualifying final contested-case decisions","Public remedies answered; implied private Chapter 69 remedy unresolved"],["Knowing or willful unlicensed Chapter 69 operation","Criminal prosecution; licensing consequences if applicant or later licensee","No automatic consumer restitution under §69-1215","General Class II misdemeanor prosecution period appears to be one year and six months, subject to exceptions","Answered conditionally on Chapter 69 coverage and scienter"],["Negotiation-only or consumer-owned-account model with disputed custody/control","Chapter 69 enforcement cannot be assumed until statutory classification is established","Chapter 69 private remedy cannot be assumed; CSO/NCPA/UDTPA theories require separate predicates","Depends on the cause actually established","Classification held"],["Covered, nonexempt Nebraska CSO violation","Registration enforcement; Attorney General or buyer injunction; UDTPA enforcement; Class II misdemeanor","Injured buyer damages under §45-810; buyer injunction under §45-811; possible UDTPA relief","Four years from execution of the services contract for §45-810 and §45-812 actions","Express remedy structure established"],["CSO contract breach","Breach itself is an Act violation; public and criminal routes may follow","Injured buyer may invoke §45-810; injunction route under §45-811","Four years from contract execution for §45-810 and §45-812","Answered; injury and causation still required for damages"],["In-scope Chapter 69 licensee invoking CSO exemption","Chapter 69 enforcement rather than duplicate CSO regime, if the exact entity and activity qualify","No CSO remedy unless CSO exemption fails or separate activity falls outside it","Cause-specific","Conditional; affiliate and separate-product facts held"],["Provider deceptive practice affecting Nebraska public interest","Attorney General NCPA investigation, injunction, restoration, asset freeze, assurance, civil penalties","NCPA actual damages/injunction if private standing, public interest, causation, and no exemption are established","Private damages: four years after accrual, with statutory AG tolling","Conditional independent theory"],["Provider deceptive practice presenting likely future harm","Attorney General UDTPA cease-and-desist, investigation, injunction, restoration, civil penalty","Private prospective injunction; possible §87-303.07 rescission/retention branch","Four years from purchase of services","Conditional independent theory"],["Telemarketed debt relief covered by TSR","FTC/CFPB and qualifying State public actions","Narrow federal private action only for a pattern or practice and more than $50,000 actual damages per adversely affected person","Three years after discovery","Conditional federal boundary only"],["Credit-improvement conduct covered by CROA","FTC and State enforcement","Express consumer damages, possible punitive damages, fees and costs; noncompliant contract can be void under federal law","Five-year occurrence period, with specified discovery branch","Conditional federal boundary only"],["Covered consumer-financial conduct under CFPA","CFPB and qualifying State AG/regulator public enforcement","The cited CFPA enforcement provisions do not themselves create an ordinary consumer damages cause","CFPB and enumerated-law periods are cause-specific","Public-enforcement boundary only"]]},{"headers":["Decision","Posture and holding used in this pass","Limitation"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Decision","Posture and holding used in this pass","Limitation"],["Pettit v. Nebraska Department of Correctional Services, 291 Neb. 513, 867 N.W.2d 553 (2015)","Nebraska Supreme Court explained that an implied private action turns on statutory purpose and legislative intent; it did not recognize an automatic claim from a statutory duty","Not a debt-management or CSO case"],["Eicher v. Mid America Financial Investment Corp., 275 Neb. 462, 748 N.W.2d 1 (2008)","Nebraska Supreme Court applied the NCPA public-interest requirement and distinguished an isolated private event from conduct aimed at numerous Nebraskans","Does not decide §59-1617 exemption for DMP/CSO entities"],["Reinbrecht v. Walgreen Co., 16 Neb. App. 108, 742 N.W.2d 243 (2007)","Nebraska Court of Appeals held private UDTPA relief is equitable, not ordinary damages, and requires likely future harm","Not a debt-relief-provider case"],["State ex rel. Stenberg v. Consumer’s Choice Foods, Inc., 276 Neb. 481, 755 N.W.2d 583 (2008)","Nebraska Supreme Court reviewed a public NCPA/UDTPA action involving numerous complaints, injunction, restoration/rescission, penalties, and fees; affirmed the judgment","General consumer-enforcement case, not Chapter 69 or CSO"]]},{"headers":["Remedy or consequence","Exact legal unit or formula","Recipient or enforcing party","Conditions and nonduplication limits"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Remedy or consequence","Exact legal unit or formula","Recipient or enforcing party","Conditions and nonduplication limits"],["Chapter 69 examination charge","Actual examination cost determined by SOS","State General Fund","License automatically suspended if unpaid 30 days after receipt of demand; not consumer restitution"],["Chapter 69 unlicensed-operation crime","Class II misdemeanor: maximum 6 months, $1,000 fine, or both","State criminal enforcement","Requires Chapter 69 coverage, no license, and knowing/willful conduct"],["Chapter 69 bond","$10,000 aggregate surety liability for claimants dealing with bonded office","Covered claimant, subject to bond statute/instrument","Faithful-accounting condition; not a general damages fund"],["CSO private damages floor","Amount paid to CSO + reasonable attorney fees + court costs","Injured statutory buyer","Violation, injury, causation, timeliness, judgment"],["CSO security","$100,000 aggregate bond/account","Person damaged, but surety/trustee liability limited to §45-810 damages","Not automatic; security mechanics remain separate"],["CSO violation crime","Class II misdemeanor: maximum 6 months, $1,000 fine, or both","State","Criminal elements and prosecution required"],["NCPA private damages","Actual business/property damages","Qualifying injured person","Public interest for §59-1602, causation, no exclusion"],["NCPA discretionary increase","Amount reasonably related to unmeasurable nonpecuniary damage; maximum $1,000 for §59-1602","Private claimant","Court discretion; not automatic or per violation"],["NCPA restoration","Money/property acquired through prohibited act","Person in interest, through public action","Court discretion in Attorney General case"],["NCPA §59-1602 civil penalty","Up to $2,000 per violation","State","Attorney General action; violation unit must be established"],["NCPA §§59-1603/1604 or injunction branch","Up to $500,000","State","Separate antitrust/injunction branch, not ordinary §59-1602 amount"],["UDTPA private injunction","Equitable relief; no fixed dollar measure","Person likely to be damaged","Likely future harm; ordinary private damages unavailable under §87-303"],["UDTPA induced-sale remedy","Rescind or retain merchandise/services without further payment","Qualifying buyer/lessee","Must prove inducement into a covered sale or lease"],["UDTPA civil penalty","Up to $2,000 per violation","State","Attorney General action; unit must be established"],["UDTPA ordinary violation crime","Class II misdemeanor: maximum 6 months, $1,000, or both","State","Criminal prosecution"],["Willful violation of UDTPA order/assurance","Class IV felony: maximum 2 years plus 12 months’ post-release supervision, $10,000, or both","State","Requires willful breach of injunction, declaratory judgment, or assurance"],["TSR private threshold","More than $50,000 actual damages for each adversely affected person","Qualifying private federal plaintiff","Threshold, not automatic award; pattern/practice and federal prerequisites"],["CROA private base damages","Greater of actual damages or amount paid","Covered consumer","CROA coverage and violation required"],["CROA punitive damages","Court-determined additional amount","Successful consumer/class","Discretionary; statutory factors apply"],["CFPA public relief","Rescission, refunds, restitution, disgorgement, damages, activity limits, public civil penalties","CFPB or qualifying State public enforcer","Public route; current adjusted penalty amounts not supplied here"]]},{"headers":["Action or event","Trigger","Period or notice requirement","Important qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Action or event","Trigger","Period or notice requirement","Important qualification"],["Chapter 69 action “under” Act","Accrual","2 years","Accrual/discovery/tolling and cause of action unresolved"],["Chapter 69 disciplinary hearing notice","Service of sworn written charges","At least 10 and no more than 30 days before hearing","Applies to denial, suspension, or revocation under §69-1207"],["Chapter 69 exam-cost suspension","Receipt of demand","Automatic suspension after 30 days without payment","Restored when fee paid under statutory text"],["APA judicial review","Service of final contested-case decision","Petition within 30 days","Qualification as contested case and parties must be established"],["APA summons/service","Filing review petition","Generally within 30 days after filing","Separate from petition deadline"],["CSO §45-810 damages","Contract execution","4 years","Not discovery-based on text"],["CSO §45-812/UDTPA-designation action","Contract execution","4 years","Section 45-813 does not expressly govern §45-811 injunction"],["NCPA private damages","Accrual","4 years","AG same-matter action may suspend running as statutorily specified"],["UDTPA civil action","Purchase of goods/services","4 years","Purchase date for continuing services may require contract facts"],["UDTPA filing notice to AG","Filing covered pleading","Within 7 days","Failure not dismissal; possible AG vacatur/modification action"],["UDTPA final judgment notice","Entry of final judgment","Within 7 days","Statutory transmission requirements apply"],["UDTPA appeal notice","Filing notice of appeal","Within 7 days","Separate rule for Small Claims appeal"],["General Class II misdemeanor prosecution","Commission of offense","Generally 1 year 6 months","Other law, fugitive status, and statutory exceptions may alter"],["General Class IV felony prosecution","Commission of offense","Generally 3 years","Other law and statutory exceptions may alter"],["TSR private action","Discovery of violation","3 years","Pattern/practice, >$50,000 per person, FTC notice, and parallel-action rules"],["CROA ordinary action","Occurrence of violation","5 years","Later special discovery branch applies only to specified material/willful disclosure misrepresentation"],["CROA special discovery branch","Consumer discovery of qualifying misrepresentation","5 years","Exact statutory elements must be met"],["AG/CART complaint","Complaint submission","No tolling period stated","Not a lawsuit, appeal, or limitations-preservation mechanism"]]},{"headers":["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/status and actual access","Limits"],"index":4,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-810&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-303&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=84-917&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-110&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB","text":"Nebraska.gov\n+1"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB","text":"Nebraska.gov\n+1"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB","text":"Nebraska.gov\n+1"},{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB","text":"Nebraska.gov\n+4"},{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies?utm_source=chatgpt.com","text":"sos.nebraska.gov"},{"href":"https://ago.nebraska.gov/constituent-complaint-form?utm_source=chatgpt.com","text":"ago.nebraska.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s6104/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5565/?utm_source=chatgpt.com","text":"uscode.house.gov"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-810&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-303&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=84-917&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-110&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB","text":"Nebraska.gov\n+1"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB","text":"Nebraska.gov\n+1"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB","text":"Nebraska.gov\n+1"}],[{"href":"https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB","text":"Nebraska.gov\n+4"}],[{"href":"https://sos.nebraska.gov/licensing/debt-management-agencies?utm_source=chatgpt.com","text":"sos.nebraska.gov"}],[{"href":"https://ago.nebraska.gov/constituent-complaint-form?utm_source=chatgpt.com","text":"ago.nebraska.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s6104/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t12/s5565/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[],[]],"rows":[["Source ID","Title, issuer, full literal URL, and exact pinpoint","Version/status and actual access","Limits"],["S_NE-P7-S001","Nebraska Debt Management Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201 §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsections (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216 complete section.","Current official codification freshly read October 26, 2026 Pacific. Source histories vary; no complete session-law or rule-history audit. (nebraskalegislature.gov)","Controlling statutory text. Same document family as P1 S001, freshly read here for remedies. No private-action holding located."],["S_NE-P7-S002","Nebraska Credit Services Organization Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804; https://nebraskalegislature.gov/laws/statutes.php?statute=45-805; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815.","Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Conditional on CSO scope and exemptions. No directly controlling appellate CSO remedy case located."],["S_NE-P7-S003","Nebraska Consumer Protection Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608.01; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1616; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617.","Current official codification freshly read October 26, 2026; §59-1608.01 and investigatory provisions include 2024 amendments. (nebraskalegislature.gov)","Exact §59-1617 application to Chapter 69/CSO conduct remains unresolved. Official annotations were discovery/context, not substitutes for unread opinions."],["S_NE-P7-S004","Nebraska Uniform Deceptive Trade Practices Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; https://nebraskalegislature.gov/laws/statutes.php?statute=87-302; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.01; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.03; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.05; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.06; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.09; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13.","Current official codification freshly read October 26, 2026; several enforcement/jury provisions reflect 2024 amendments. (nebraskalegislature.gov)","Private damages, public enforcement, rescission, and criminal branches must remain separate."],["S_NE-P7-S005","Nebraska Administrative Procedure Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=84-901; https://nebraskalegislature.gov/laws/statutes.php?statute=84-913; https://nebraskalegislature.gov/laws/statutes.php?statute=84-917; https://nebraskalegislature.gov/laws/statutes.php?statute=84-918.","Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Applies only where the actual agency proceeding and decision meet APA predicates."],["S_NE-P7-S006","Nebraska penalty and criminal-limitation statutes, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=28-106 Class II misdemeanor; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105 Class IV felony; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110 general prosecution periods and exceptions.","Current official codification freshly read October 26, 2026; §28-105 includes 2025 amendment history. (nebraskalegislature.gov)","General periods; another law, offense characterization, fugitive status, or tolling may alter a real prosecution."],["S_NE-P7-S007","Pettit v. Nebraska Department of Correctional Services, 291 Neb. 513, 867 N.W.2d 553 (2015), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB; printed p. 513/PDF index 0 and printed p. 523/index 10.","Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","General implied-private-action standard only; not a debt-management case."],["S_NE-P7-S008","Eicher v. Mid America Financial Investment Corp., 275 Neb. 462, 748 N.W.2d 1 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed p. 462/index 0, p. 473/index 11, p. 474/index 12.","Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","NCPA public-interest holding; not a DMP/CSO scope or exemption holding."],["S_NE-P7-S009","Reinbrecht v. Walgreen Co., 16 Neb. App. 108, 742 N.W.2d 243 (2007), Nebraska Court of Appeals. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed p. 108/index 0, p. 113/index 5, p. 114/index 6.","Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Private UDTPA remedy/future-harm holding; not a debt-relief case."],["S_NE-P7-S010","State ex rel. Stenberg v. Consumer’s Choice Foods, Inc., 276 Neb. 481, 755 N.W.2d 583 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB; printed p. 481/index 0, p. 485/index 4, p. 492/index 11, p. 496/index 15, p. 497/index 16.","Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+4","General State NCPA/UDTPA enforcement illustration, not Chapter 69 or CSO authority."],["S_NE-P7-S011","Nebraska Secretary of State public licensing pages. https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/licensing/debt-management-statutes.","Current public pages freshly checked October 26, 2026. (sos.nebraska.gov)","Visible pages provide forms, rosters, statutes, and contact information, not a complete enforcement-order universe."],["S_NE-P7-S012","Nebraska Attorney General complaint/CART pages. https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team.","Current complaint form checked October 26, 2026; CART announcement dated December 2, 2021 and checked October 26, 2026. (ago.nebraska.gov)","Voluntary complaint/dispute process; not private representation, court filing, or tolling authority."],["S_NE-P7-S013","Telemarketing and Consumer Fraud and Abuse Prevention Act. https://uscode.house.gov/us/usc/119-124/t15/s6103/; https://uscode.house.gov/us/usc/119-124/t15/s6104/; https://uscode.house.gov/us/usc/119-124/t15/s6105/.","U.S. Code text through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Conditional TSR remedy boundary only; actual telemarketing coverage remains held."],["S_NE-P7-S014","Federal Credit Repair Organizations Act remedy provisions. https://uscode.house.gov/us/usc/119-120/t15/s1679f/; https://uscode.house.gov/us/usc/119-120/t15/s1679g/; https://uscode.house.gov/us/usc/119-120/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/.","Displayed U.S. Code text through Public Law 119-120 or 119-118, as stated on the individual pages; freshly read October 26, 2026. (uscode.house.gov)","Conditional on CROA coverage and exemption facts."],["S_NE-P7-S015","Consumer Financial Protection Act public-enforcement provisions. https://uscode.house.gov/us/usc/119-124/t12/s5552/; https://uscode.house.gov/us/usc/119-124/t12/s5564/; https://uscode.house.gov/us/usc/119-124/t12/s5565/.","U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Public-enforcement boundary only; current inflation-adjusted penalties not researched."],["S_NE-P7-S016","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 PASS-02 access history, not reclassified as fresh: index identified Title 433; dynamic catalog yielded a JS shell; coordinator docket route returned 403 while a separate route yielded a shell; annual-PDF histories remain separately attributed.","No complete current substantive rule, hearing-procedure, civil-penalty, or final-order universe authenticated. Not proof no rule exists."],["S_NE-P7-S017","Bounded official searches: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; Nebraska SOS https://sos.nebraska.gov/; Nebraska AG https://ago.nebraska.gov/; exact searches for “Debt Management Act,” §§69-1207, 69-1216, “Credit Services Organization Act,” §§45-810–45-813, final order, revocation, restitution, and debt settlement.","Search-only work October 26, 2026.","No directly controlling DMP/CSO remedy decision or indexed final order located. Not an exhaustive citator, trial docket, archive, records request, or nonpublic file review."]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequence, and confidence"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, consequence, and confidence"],["S_NE-P7-C001","Chapter 69 enforcement depends first on satisfying its conjunctive debt-management definition and nonexemption predicates.","S001, §§69-1201–69-1202.","High for text; custody, “evidences thereof,” remote, administrator, and affiliate facts remain held."],["S_NE-P7-C002","Covered debt-management business without a license is unlawful.","S001, §69-1203.","High."],["S_NE-P7-C003","SOS may deny, suspend, or revoke for felony conviction, Act violation, licensing fraud, continuous unfair conduct, or insolvency-related grounds.","S001, §69-1207(1).","High."],["S_NE-P7-C004","Chapter 69 discipline requires sworn written charges, hearing, and certified service 10–30 days before hearing.","S001, §69-1207(2).","High."],["S_NE-P7-C005","SOS may conduct unannounced examinations and compel testimony and records in alleged-violation investigations.","S001, §69-1211.","High."],["S_NE-P7-C006","Failure to pay demanded examination costs within 30 days automatically suspends the license until payment.","S001, §69-1211.","High; further review procedure unresolved."],["S_NE-P7-C007","Knowing or willful unlicensed Chapter 69 operation is a Class II misdemeanor.","S001, §69-1215; S006, §28-106.","High, conditional on coverage and scienter."],["S_NE-P7-C008","Chapter 69 does not expressly supply consumer damages, restitution, private injunction, civil penalties, fee shifting, or universal contract voidness.","S001, complete material remedies provisions.","High for reviewed statute; Title 433 gap preserved."],["S_NE-P7-C009","Section 69-1216 limits valid actions under Chapter 69 to two years after accrual but does not itself create a cause.","S001, §69-1216; S007.","High for text; implied-action issue unresolved."],["S_NE-P7-C010","Nebraska implied-private-action analysis turns on statutory purpose and legislative intent.","S007, Pettit, pp. 513, 523/index 0, 10.","High general rule; not Chapter 69 holding."],["S_NE-P7-C011","A final qualifying contested-case decision is reviewable under the APA by petition within 30 days after service, with separate service duties.","S005, §84-917.","High conditionally; no actual order reviewed."],["S_NE-P7-C012","A covered, nonexempt CSO buyer injured by an Act violation has an express damages action.","S002, §§45-802–45-803, 45-810.","High; injury and causation required."],["S_NE-P7-C013","CSO damages cannot be less than amount paid plus reasonable attorney fees and court costs.","S002, §45-810.","High; no automatic punitive award in state Act."],["S_NE-P7-C014","AG or buyer may bring a district-court action to enjoin a CSO Act violation.","S002, §45-811.","High; exact standing/equity application remains fact-specific."],["S_NE-P7-C015","Every CSO violation is designated a UDTPA deceptive trade practice.","S002, §45-812.","High; does not create ordinary private UDTPA damages."],["S_NE-P7-C016","Breach of a CSO contract or contract obligation is an Act violation.","S002, §45-808(5).","High."],["S_NE-P7-C017","A purported waiver of a CSO Act right is void; entire-contract voidness is not stated.","S002, §45-809.","High for distinction."],["S_NE-P7-C018","CSO §45-810 and §45-812 actions are barred more than four years after contract execution.","S002, §45-813.","High; no discovery branch in text."],["S_NE-P7-C019","Any CSO Act violation is a Class II misdemeanor, and remedies are cumulative.","S002, §§45-814–45-815; S006.","High; criminal mens rea application not fully researched."],["S_NE-P7-C020","CSO security is liable only for §45-810 damages and is capped in aggregate at $100,000.","S002, §45-805(3)–(4).","High; claim mechanics remain separate."],["S_NE-P7-C021","A private NCPA claimant may seek actual business/property damages, injunction, costs, and reasonable fees when §59-1609 predicates are met.","S003, §59-1609.","High."],["S_NE-P7-C022","A private §59-1602 NCPA theory requires public-interest impact.","S008, Eicher, pp. 473–474/index 11–12.","High; application fact-specific."],["S_NE-P7-C023","NCPA court may add a discretionary amount for unmeasurable nonpecuniary damage, capped at $1,000 for §59-1602.","S003, §59-1609.","High; not automatic or per violation."],["S_NE-P7-C024","AG may seek NCPA injunction and court-ordered restoration of money/property.","S003, §59-1608.","High; restoration discretionary and public."],["S_NE-P7-C025","AG may issue CIDs and seek a 14-day ex parte connected-asset freeze followed by hearing and possible extension.","S003, §59-1611.","High."],["S_NE-P7-C026","NCPA §59-1602 civil penalty is up to $2,000 per violation; separate branches reach $500,000.","S003, §59-1614.","High; unit of violation requires adjudication."],["S_NE-P7-C027","An NCPA assurance is not an admission, but breach is prima facie evidence of a violation.","S003, §59-1610.","High."],["S_NE-P7-C028","A merits judgment may be prima facie evidence in a later private NCPA action; a no-illegality consent judgment is excluded.","S003, §59-1613.","High."],["S_NE-P7-C029","NCPA’s regulatory exclusion is action/transaction-specific and may be broad; exact Chapter 69/CSO application is unresolved.","S003, §59-1617.","Partial/HOLD. No exact provider decision located."],["S_NE-P7-C030","Private NCPA damages actions have a four-year accrual period and specified AG-action tolling.","S003, §59-1612.","High; accrual and other tolling unresolved."],["S_NE-P7-C031","Private UDTPA §87-303 relief is prospective injunction, not ordinary damages, and requires likely future damage.","S004, §87-303; S009, Reinbrecht, pp. 113–114/index 5–6.","High."],["S_NE-P7-C032","UDTPA induced-sale/lease branch may make agreement unenforceable and allow rescission or retention without further payment.","S004, §87-303.07.","High textually; applicability to provider services held."],["S_NE-P7-C033","AG may issue UDTPA cease-and-desist orders with or without prior hearing and use subpoenas/hearings.","S004, §87-303.03.","High."],["S_NE-P7-C034","Court may suspend/revoke a license used to further alleged practice when a person disobeys an AG report order or subpoena.","S004, §87-303.04.","High; not automatic complaint-based revocation."],["S_NE-P7-C035","AG may obtain UDTPA injunction, restoration, assurance, and connected-asset freeze.","S004, §§87-303.02, 87-303.05.","High."],["S_NE-P7-C036","UDTPA violation is a Class II misdemeanor; willful breach of order/assurance is Class IV felony.","S004, §§87-303.08–.09; S006.","High."],["S_NE-P7-C037","UDTPA civil penalty is up to $2,000 per violation.","S004, §87-303.11.","High; unit requires adjudication."],["S_NE-P7-C038","UDTPA civil action has four years from purchase of goods/services.","S004, §87-303.10.","High; purchase date may be fact-dependent."],["S_NE-P7-C039","UDTPA pleadings, judgments, and appeal notices have seven-day AG transmission duties; failure is not dismissal.","S004, §87-303.12.","High."],["S_NE-P7-C040","AG or defendant may demand jury on NCPA or UDTPA claim under 2024 provisions.","S003, §59-1608.01; S004, §87-303.13.","High; other jury/class issues unresolved."],["S_NE-P7-C041","General Class II misdemeanor period is 1 year 6 months and general felony period 3 years, subject to exceptions.","S006, §29-110.","High as general rule, not actual deadline advice."],["S_NE-P7-C042","TSR private action requires pattern/practice, >$50,000 actual damages per person, three-year discovery period, and federal notice/parallel-action conditions.","S013, §6104.","High; actual TSR coverage held."],["S_NE-P7-C043","State AG TSR action requires pattern/practice and may seek injunction, damages, restitution, and compensation.","S013, §6103.","High; federal notice and parallel-action restrictions apply."],["S_NE-P7-C044","CROA private liability is greater of actual damages or amount paid, plus possible punitive damages and successful-action fees/costs.","S014, §1679g.","High when CROA applies."],["S_NE-P7-C045","CROA limitation is five years from occurrence, with specified material/willful disclosure-misrepresentation discovery branch.","S014, §1679i.","High."],["S_NE-P7-C046","CROA FTC and State public enforcement routes are separate from private liability.","S014, §1679h.","High."],["S_NE-P7-C047","CFPA cited provisions create public CFPB/State enforcement and broad public relief, not an ordinary consumer cause in those sections.","S015, §§5552, 5564–5565.","High for cited text; enumerated-law claims remain separate."],["S_NE-P7-C048","SOS public pages show forms, rosters, statutes, and contacts, but no displayed final-order or complaint database.","S011.","High for visible page contents; not proof no orders exist."],["S_NE-P7-C049","CART complaint/dispute resolution is voluntary and AG is not the individual’s private attorney.","S012.","High."],["S_NE-P7-C050","Filing an AG/CART complaint is not shown to toll, exhaust, or preserve a private claim.","S012 and absence of such statement.","Partial/HOLD for any other legal tolling theory."],["S_NE-P7-C051","No directly controlling public Nebraska DMP/CSO remedy decision or indexed final order was located.","S017.","Limited negative search only."],["S_NE-P7-C052","Complete current Title 433 remedies and hearing rules remain unauthenticated.","S016.","HOLD; no no-rule conclusion."]]},{"headers":["Assigned issue","Status","Claim IDs","Missing evidence or next action"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claim IDs","Missing evidence or next action"],["Chapter 69 scope predicate","Preserved/conditional","C001","Actual custody, payment authority, debtor, remote nexus, and entity facts"],["Chapter 69 license discipline grounds","Answered","C003–C004","Actual charges, service, hearing record, and final order"],["Chapter 69 examination/investigation","Answered","C005–C006","Actual demand, cost calculation, production order, and review record"],["Chapter 69 cease-and-desist","Not expressly established in Chapter 69","C008","Current Title 433 or formal order; UDTPA route remains separate"],["Chapter 69 restitution","Not expressly established","C008","Independent NCPA/UDTPA/bond/contract authority"],["Chapter 69 civil penalties","Not expressly established","C008","Current rule or separate statutory theory"],["Chapter 69 criminal offense","Answered","C007","Actual coverage, role, license status, knowledge/willfulness"],["Chapter 69 private damages","Unresolved/not established","C008–C010","Controlling case, legislative history, or recognized implied-action decision"],["Chapter 69 private injunction","Not established","C008","Independent statute or controlling decision"],["Chapter 69 contract voidness","Not established","C008","Contract/remedies pass and actual clause"],["Chapter 69 two-year period","Answered textually; accrual partial","C009","Controlling accrual, discovery, tolling, and claim-characterization authority"],["Chapter 69 administrative appeal","Answered conditionally","C011","Actual final contested-case decision and service record"],["CSO scope/exemptions","Answered conditionally","C012","Actual service, representation, payment, entity, and exemption evidence"],["CSO private damages","Answered","C012–C013","Actual injury, causation, payment, fees, and judgment"],["CSO injunction","Answered textually","C014","Standing and equitable application in an actual case"],["CSO contract breach","Answered","C016","Actual contract and breach evidence"],["CSO waiver","Answered","C017","Actual release/arbitration/settlement clause"],["CSO entire-contract voidness","Not established under state Act","C017","Actual clause, severability, CROA coverage, and contract law"],["CSO UDTPA incorporation","Answered","C015","Particular UDTPA remedy predicates"],["CSO security boundary","Answered narrowly","C020","Full P5 security review remains unaccepted; actual instrument/claim excluded"],["CSO criminal provision","Answered","C019","Criminal mens rea and prosecution facts"],["CSO four-year period","Answered","C018","Exact execution date and any separate cause"],["NCPA private standing","Answered generally","C021–C022","Actual public interest, injury, causation, exposure/reliance facts"],["NCPA regulatory exclusion","Unresolved for DMP/CSO","C029","Full controlling-case review and exact regulated conduct"],["NCPA private damages","Answered","C021, C023","Actual damages and court discretion"],["NCPA Attorney General injunction/restoration","Answered","C024–C026","Actual public pleading/order"],["NCPA assurance and evidentiary effects","Answered","C027–C028","Actual document and whether merits finding exists"],["NCPA limitation/tolling","Answered textually; accrual partial","C030","Accrual, concealment, class tolling, exact AG pendency"],["UDTPA private injunction","Answered","C031","Actual likely future harm"],["UDTPA rescission/retention","Answered textually; application partial","C032","Whether service agreement is covered sale/lease and inducement proof"],["UDTPA Attorney General C&D/investigation","Answered","C033–C035","Actual order, service, hearing, and judicial review"],["UDTPA civil/criminal penalties","Answered","C036–C037","Actual violation unit, willfulness, and prosecution"],["UDTPA limitation","Answered textually","C038","Actual purchase date and other tolling"],["UDTPA AG notice procedure","Answered","C039","Actual filing and mailing evidence"],["Jury implications","Answered only for express NCPA/UDTPA provisions","C040","Private jury, equitable allocation, class, and arbitration questions remain later"],["Federal TSR remedy boundary","Answered conditionally","C042–C043","Actual telemarketing plan, calls, actor, exemption, damages"],["CROA remedy boundary","Answered conditionally","C044–C046","Actual credit-repair purpose, entity, consumer, and exemption"],["CFPA boundary","Answered as public route","C047","Covered person/product, jurisdiction, current adjusted penalties"],["Public SOS procedure","Partial","C048","Nonindexed orders, hearing files, archive, records request"],["AG complaint procedure","Answered operationally","C049–C050","Actual complaint and agency response excluded"],["DMP/CSO final orders","Not located","C051","Full archive, paper files, trial/federal dockets, records request"],["Current Title 433 remedies/hearing rules","Unresolved","C052","Accessible official complete current compilation and adoption orders"],["Full bond claims","Excluded except statutory boundary","C020","PASS-05 and future reviewed component"],["Full agreement enforceability/arbitration","Excluded","—","PASS-06 and future reviewed component"],["Full funds/return consequences","Excluded","—","PASS-04 and future reviewed component"],["Common-law fraud, negligent misrepresentation, contract, unjust enrichment","Excluded","—","Separate Nebraska private-remedies pass if assigned"],["Collections, garnishment, ordinary debt limitations, secured debts, sector laws","Excluded","—","Separate required passes"],["Local, tribal, country, choice-of-law dimensions","Excluded","—","Separate required passes"],["Named-provider liability or approval","Not performed","—","Exact entity, conduct, license, contract, and dated records"]]}],"claims":[{"claim_id":"S_NE-P7-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C001","Precise assertion":"Chapter 69 enforcement depends first on satisfying its conjunctive debt-management definition and nonexemption predicates.","Source and pinpoint":"S001, §§69-1201–69-1202.","Conditions, consequence, and confidence":"High for text; custody, “evidences thereof,” remote, administrator, and affiliate facts remain held."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C002","Precise assertion":"Covered debt-management business without a license is unlawful.","Source and pinpoint":"S001, §69-1203.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C003","Precise assertion":"SOS may deny, suspend, or revoke for felony conviction, Act violation, licensing fraud, continuous unfair conduct, or insolvency-related grounds.","Source and pinpoint":"S001, §69-1207(1).","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C004","Precise assertion":"Chapter 69 discipline requires sworn written charges, hearing, and certified service 10–30 days before hearing.","Source and pinpoint":"S001, §69-1207(2).","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C005","Precise assertion":"SOS may conduct unannounced examinations and compel testimony and records in alleged-violation investigations.","Source and pinpoint":"S001, §69-1211.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C006","Precise assertion":"Failure to pay demanded examination costs within 30 days automatically suspends the license until payment.","Source and pinpoint":"S001, §69-1211.","Conditions, consequence, and confidence":"High; further review procedure unresolved."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C007","Precise assertion":"Knowing or willful unlicensed Chapter 69 operation is a Class II misdemeanor.","Source and pinpoint":"S001, §69-1215; S006, §28-106.","Conditions, consequence, and confidence":"High, conditional on coverage and scienter."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C008","Precise assertion":"Chapter 69 does not expressly supply consumer damages, restitution, private injunction, civil penalties, fee shifting, or universal contract voidness.","Source and pinpoint":"S001, complete material remedies provisions.","Conditions, consequence, and confidence":"High for reviewed statute; Title 433 gap preserved."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C009","Precise assertion":"Section 69-1216 limits valid actions under Chapter 69 to two years after accrual but does not itself create a cause.","Source and pinpoint":"S001, §69-1216; S007.","Conditions, consequence, and confidence":"High for text; implied-action issue unresolved."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C010","Precise assertion":"Nebraska implied-private-action analysis turns on statutory purpose and legislative intent.","Source and pinpoint":"S007, Pettit, pp. 513, 523/index 0, 10.","Conditions, consequence, and confidence":"High general rule; not Chapter 69 holding."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]","coordinator_note":"Generalrule supported; B5narrative posturemustsayassumedwithoutdeciding, notholdingrejectingprivateaction."},{"claim_id":"S_NE-P7-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C011","Precise assertion":"A final qualifying contested-case decision is reviewable under the APA by petition within 30 days after service, with separate service duties.","Source and pinpoint":"S005, §84-917.","Conditions, consequence, and confidence":"High conditionally; no actual order reviewed."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C012","Precise assertion":"A covered, nonexempt CSO buyer injured by an Act violation has an express damages action.","Source and pinpoint":"S002, §§45-802–45-803, 45-810.","Conditions, consequence, and confidence":"High; injury and causation required."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C013","Precise assertion":"CSO damages cannot be less than amount paid plus reasonable attorney fees and court costs.","Source and pinpoint":"S002, §45-810.","Conditions, consequence, and confidence":"High; no automatic punitive award in state Act."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C014","Precise assertion":"AG or buyer may bring a district-court action to enjoin a CSO Act violation.","Source and pinpoint":"S002, §45-811.","Conditions, consequence, and confidence":"High; exact standing/equity application remains fact-specific."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C015","Precise assertion":"Every CSO violation is designated a UDTPA deceptive trade practice.","Source and pinpoint":"S002, §45-812.","Conditions, consequence, and confidence":"High; does not create ordinary private UDTPA damages."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C016","Precise assertion":"Breach of a CSO contract or contract obligation is an Act violation.","Source and pinpoint":"S002, §45-808(5).","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C017","Precise assertion":"A purported waiver of a CSO Act right is void; entire-contract voidness is not stated.","Source and pinpoint":"S002, §45-809.","Conditions, consequence, and confidence":"High for distinction."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C018","Precise assertion":"CSO §45-810 and §45-812 actions are barred more than four years after contract execution.","Source and pinpoint":"S002, §45-813.","Conditions, consequence, and confidence":"High; no discovery branch in text."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C019","Precise assertion":"Any CSO Act violation is a Class II misdemeanor, and remedies are cumulative.","Source and pinpoint":"S002, §§45-814–45-815; S006.","Conditions, consequence, and confidence":"High; criminal mens rea application not fully researched."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C020","Precise assertion":"CSO security is liable only for §45-810 damages and is capped in aggregate at $100,000.","Source and pinpoint":"S002, §45-805(3)–(4).","Conditions, consequence, and confidence":"High; claim mechanics remain separate."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C021","Precise assertion":"A private NCPA claimant may seek actual business/property damages, injunction, costs, and reasonable fees when §59-1609 predicates are met.","Source and pinpoint":"S003, §59-1609.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C022","Precise assertion":"A private §59-1602 NCPA theory requires public-interest impact.","Source and pinpoint":"S008, Eicher, pp. 473–474/index 11–12.","Conditions, consequence, and confidence":"High; application fact-specific."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C023","Precise assertion":"NCPA court may add a discretionary amount for unmeasurable nonpecuniary damage, capped at $1,000 for §59-1602.","Source and pinpoint":"S003, §59-1609.","Conditions, consequence, and confidence":"High; not automatic or per violation."},"coordinator_verification_status":"bounded_clarification_or_source_verification_required","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C024","Precise assertion":"AG may seek NCPA injunction and court-ordered restoration of money/property.","Source and pinpoint":"S003, §59-1608.","Conditions, consequence, and confidence":"High; restoration discretionary and public."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C025","Precise assertion":"AG may issue CIDs and seek a 14-day ex parte connected-asset freeze followed by hearing and possible extension.","Source and pinpoint":"S003, §59-1611.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C026","Precise assertion":"NCPA §59-1602 civil penalty is up to $2,000 per violation; separate branches reach $500,000.","Source and pinpoint":"S003, §59-1614.","Conditions, consequence, and confidence":"High; unit of violation requires adjudication."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C027","Precise assertion":"An NCPA assurance is not an admission, but breach is prima facie evidence of a violation.","Source and pinpoint":"S003, §59-1610.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C028","Precise assertion":"A merits judgment may be prima facie evidence in a later private NCPA action; a no-illegality consent judgment is excluded.","Source and pinpoint":"S003, §59-1613.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C029","Precise assertion":"NCPA’s regulatory exclusion is action/transaction-specific and may be broad; exact Chapter 69/CSO application is unresolved.","Source and pinpoint":"S003, §59-1617.","Conditions, consequence, and confidence":"Partial/HOLD. No exact provider decision located."},"coordinator_verification_status":"explicit_hold_or_bounded_researcher_negative_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C030","Precise assertion":"Private NCPA damages actions have a four-year accrual period and specified AG-action tolling.","Source and pinpoint":"S003, §59-1612.","Conditions, consequence, and confidence":"High; accrual and other tolling unresolved."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C031","Precise assertion":"Private UDTPA §87-303 relief is prospective injunction, not ordinary damages, and requires likely future damage.","Source and pinpoint":"S004, §87-303; S009, Reinbrecht, pp. 113–114/index 5–6.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C032","Precise assertion":"UDTPA induced-sale/lease branch may make agreement unenforceable and allow rescission or retention without further payment.","Source and pinpoint":"S004, §87-303.07.","Conditions, consequence, and confidence":"High textually; applicability to provider services held."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C033","Precise assertion":"AG may issue UDTPA cease-and-desist orders with or without prior hearing and use subpoenas/hearings.","Source and pinpoint":"S004, §87-303.03.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C034","Precise assertion":"Court may suspend/revoke a license used to further alleged practice when a person disobeys an AG report order or subpoena.","Source and pinpoint":"S004, §87-303.04.","Conditions, consequence, and confidence":"High; not automatic complaint-based revocation."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C035","Precise assertion":"AG may obtain UDTPA injunction, restoration, assurance, and connected-asset freeze.","Source and pinpoint":"S004, §§87-303.02, 87-303.05.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C036","Precise assertion":"UDTPA violation is a Class II misdemeanor; willful breach of order/assurance is Class IV felony.","Source and pinpoint":"S004, §§87-303.08–.09; S006.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]","coordinator_note":"Offenseclasses supported. Penaltynarrative requiresgeneralmaximum/date/concurrent-sentenceexceptions under28-105(6)–(8); noactualsentence."},{"claim_id":"S_NE-P7-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C037","Precise assertion":"UDTPA civil penalty is up to $2,000 per violation.","Source and pinpoint":"S004, §87-303.11.","Conditions, consequence, and confidence":"High; unit requires adjudication."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C038","Precise assertion":"UDTPA civil action has four years from purchase of goods/services.","Source and pinpoint":"S004, §87-303.10.","Conditions, consequence, and confidence":"High; purchase date may be fact-dependent."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C039","Precise assertion":"UDTPA pleadings, judgments, and appeal notices have seven-day AG transmission duties; failure is not dismissal.","Source and pinpoint":"S004, §87-303.12.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"bounded_clarification_or_source_verification_required","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C040","Precise assertion":"AG or defendant may demand jury on NCPA or UDTPA claim under 2024 provisions.","Source and pinpoint":"S003, §59-1608.01; S004, §87-303.13.","Conditions, consequence, and confidence":"High; other jury/class issues unresolved."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C041","Precise assertion":"General Class II misdemeanor period is 1 year 6 months and general felony period 3 years, subject to exceptions.","Source and pinpoint":"S006, §29-110.","Conditions, consequence, and confidence":"High as general rule, not actual deadline advice."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C042","Precise assertion":"TSR private action requires pattern/practice, >$50,000 actual damages per person, three-year discovery period, and federal notice/parallel-action conditions.","Source and pinpoint":"S013, §6104.","Conditions, consequence, and confidence":"High; actual TSR coverage held."},"coordinator_verification_status":"bounded_clarification_or_source_verification_required","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C043","Precise assertion":"State AG TSR action requires pattern/practice and may seek injunction, damages, restitution, and compensation.","Source and pinpoint":"S013, §6103.","Conditions, consequence, and confidence":"High; federal notice and parallel-action restrictions apply."},"coordinator_verification_status":"bounded_clarification_or_source_verification_required","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C044","Precise assertion":"CROA private liability is greater of actual damages or amount paid, plus possible punitive damages and successful-action fees/costs.","Source and pinpoint":"S014, §1679g.","Conditions, consequence, and confidence":"High when CROA applies."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C045","Precise assertion":"CROA limitation is five years from occurrence, with specified material/willful disclosure-misrepresentation discovery branch.","Source and pinpoint":"S014, §1679i.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C046","Precise assertion":"CROA FTC and State public enforcement routes are separate from private liability.","Source and pinpoint":"S014, §1679h.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C047","Precise assertion":"CFPA cited provisions create public CFPB/State enforcement and broad public relief, not an ordinary consumer cause in those sections.","Source and pinpoint":"S015, §§5552, 5564–5565.","Conditions, consequence, and confidence":"High for cited text; enumerated-law claims remain separate."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C048","Precise assertion":"SOS public pages show forms, rosters, statutes, and contacts, but no displayed final-order or complaint database.","Source and pinpoint":"S011.","Conditions, consequence, and confidence":"High for visible page contents; not proof no orders exist."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C049","Precise assertion":"CART complaint/dispute resolution is voluntary and AG is not the individual’s private attorney.","Source and pinpoint":"S012.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"scoped_checked_with_predicate_source_and_coverage_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C050","Precise assertion":"Filing an AG/CART complaint is not shown to toll, exhaust, or preserve a private claim.","Source and pinpoint":"S012 and absence of such statement.","Conditions, consequence, and confidence":"Partial/HOLD for any other legal tolling theory."},"coordinator_verification_status":"explicit_hold_or_bounded_researcher_negative_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C051","Precise assertion":"No directly controlling public Nebraska DMP/CSO remedy decision or indexed final order was located.","Source and pinpoint":"S017.","Conditions, consequence, and confidence":"Limited negative search only."},"coordinator_verification_status":"explicit_hold_or_bounded_researcher_negative_retained","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NE-P7-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P7-C052","Precise assertion":"Complete current Title 433 remedies and hearing rules remain unauthenticated.","Source and pinpoint":"S016.","Conditions, consequence, and confidence":"HOLD; no no-rule conclusion."},"coordinator_verification_status":"explicit_hold_or_bounded_researcher_negative_retained","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NE-P7-S001","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216","https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S001","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Debt Management Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201 §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsections (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216 complete section.","Version/status and actual access":"Current official codification freshly read October 26, 2026 Pacific. Source histories vary; no complete session-law or rule-history audit. (nebraskalegislature.gov)","Limits":"Controlling statutory text. Same document family as P1 S001, freshly read here for remedies. No private-action holding located."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S001","researcher_record":{"Source ID":"S_NE-P7-S001","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Debt Management Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=69-1201 §69-1201(1), (4)–(6); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1202 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1203 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1204 subsections (3)–(5); https://nebraskalegislature.gov/laws/statutes.php?statute=69-1205 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1207 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1208 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1211 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1214 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1215 complete section; https://nebraskalegislature.gov/laws/statutes.php?statute=69-1216 complete section.","Version/status and actual access":"Current official codification freshly read October 26, 2026 Pacific. Source histories vary; no complete session-law or rule-history audit. (nebraskalegislature.gov)","Limits":"Controlling statutory text. Same document family as P1 S001, freshly read here for remedies. No private-action holding located."},"coordinator_access":"Fresh complete69-1207/1211/1215/1216 in primary1 and69-1208 primary16; dated complete69-1201/1202/1203/1204/1205 from NE5 primary1/9/11,69-1214 from NE4 primary3.","result_and_limits":"Public license/exam/criminal/2year text supported; implied private remedy NOT established. No complete currentTitle433/agencyorder universe."}},{"source_id":"S_NE-P7-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=45-805","https://nebraskalegislature.gov/laws/statutes.php?statute=45-806","https://nebraskalegislature.gov/laws/statutes.php?statute=45-808","https://nebraskalegislature.gov/laws/statutes.php?statute=45-809","https://nebraskalegislature.gov/laws/statutes.php?statute=45-810","https://nebraskalegislature.gov/laws/statutes.php?statute=45-811","https://nebraskalegislature.gov/laws/statutes.php?statute=45-812","https://nebraskalegislature.gov/laws/statutes.php?statute=45-813","https://nebraskalegislature.gov/laws/statutes.php?statute=45-814","https://nebraskalegislature.gov/laws/statutes.php?statute=45-815","https://nebraskalegislature.gov/laws/statutes.php?statute=45-810&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S002","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Credit Services Organization Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804; https://nebraskalegislature.gov/laws/statutes.php?statute=45-805; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815.","Version/status and actual access":"Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Limits":"Conditional on CSO scope and exemptions. No directly controlling appellate CSO remedy case located."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S002","researcher_record":{"Source ID":"S_NE-P7-S002","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Credit Services Organization Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-802; https://nebraskalegislature.gov/laws/statutes.php?statute=45-803; https://nebraskalegislature.gov/laws/statutes.php?statute=45-804; https://nebraskalegislature.gov/laws/statutes.php?statute=45-805; https://nebraskalegislature.gov/laws/statutes.php?statute=45-806; https://nebraskalegislature.gov/laws/statutes.php?statute=45-808; https://nebraskalegislature.gov/laws/statutes.php?statute=45-809; https://nebraskalegislature.gov/laws/statutes.php?statute=45-810; https://nebraskalegislature.gov/laws/statutes.php?statute=45-811; https://nebraskalegislature.gov/laws/statutes.php?statute=45-812; https://nebraskalegislature.gov/laws/statutes.php?statute=45-813; https://nebraskalegislature.gov/laws/statutes.php?statute=45-814; https://nebraskalegislature.gov/laws/statutes.php?statute=45-815.","Version/status and actual access":"Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Limits":"Conditional on CSO scope and exemptions. No directly controlling appellate CSO remedy case located."},"coordinator_access":"Fresh complete45-810/811/813 primary1,808/809/812/814/815 primary6; dated complete802/803/805 NE5 primary9/1.","result_and_limits":"Injured buyer damages floor/express injunction/contract violation/waiver/cumulative remedies/execution trigger/security limits supported conditionally; no actual judgment or security approval."}},{"source_id":"S_NE-P7-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608.01","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1616","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S003","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Consumer Protection Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608.01; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1616; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617.","Version/status and actual access":"Current official codification freshly read October 26, 2026; §59-1608.01 and investigatory provisions include 2024 amendments. (nebraskalegislature.gov)","Limits":"Exact §59-1617 application to Chapter 69/CSO conduct remains unresolved. Official annotations were discovery/context, not substitutes for unread opinions."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S003","researcher_record":{"Source ID":"S_NE-P7-S003","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Consumer Protection Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=59-1601; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1608.01; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1609; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1610; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1611; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1612; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1613; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1614; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1616; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617.","Version/status and actual access":"Current official codification freshly read October 26, 2026; §59-1608.01 and investigatory provisions include 2024 amendments. (nebraskalegislature.gov)","Limits":"Exact §59-1617 application to Chapter 69/CSO conduct remains unresolved. Official annotations were discovery/context, not substitutes for unread opinions."},"coordinator_access":"Fresh complete59-1609/1614 primary1;1608/1608.01/1610/1611/1612/1613/1617/1616 primary2;1601/1602 primary16.","result_and_limits":"Public/private split, public interest, actual business/property injury, CID/freeze,2000unit,4yraccrual,regulatory exclusion supported with fact/source holds. C023/Example4 additional1000 interpretation requires bounded authority/qualification; no opposite cap interpretation established."}},{"source_id":"S_NE-P7-S004","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=87-301","https://nebraskalegislature.gov/laws/statutes.php?statute=87-302","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.01","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.03","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.05","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.06","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.09","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13","https://nebraskalegislature.gov/laws/statutes.php?statute=87-303&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S004","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Uniform Deceptive Trade Practices Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; https://nebraskalegislature.gov/laws/statutes.php?statute=87-302; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.01; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.03; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.05; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.06; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.09; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13.","Version/status and actual access":"Current official codification freshly read October 26, 2026; several enforcement/jury provisions reflect 2024 amendments. (nebraskalegislature.gov)","Limits":"Private damages, public enforcement, rescission, and criminal branches must remain separate."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S004","researcher_record":{"Source ID":"S_NE-P7-S004","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Uniform Deceptive Trade Practices Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=87-301; https://nebraskalegislature.gov/laws/statutes.php?statute=87-302; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.01; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.02; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.03; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.04; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.05; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.06; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.07; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.08; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.09; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.10; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.11; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.12; https://nebraskalegislature.gov/laws/statutes.php?statute=87-303.13.","Version/status and actual access":"Current official codification freshly read October 26, 2026; several enforcement/jury provisions reflect 2024 amendments. (nebraskalegislature.gov)","Limits":"Private damages, public enforcement, rescission, and criminal branches must remain separate."},"coordinator_access":"Fresh complete87-303/.02/.03/.04/.05/.07/.10/.11/.12/.13 primary3; .08/.09 primary6; .06 primary7;301/.01 primary16.","result_and_limits":"Prospective private equity versus AG restoration/criminal/penalty/sale branch supported. C039/E6 notice wording must state small-claims exemptions/subsequent-mail alternative; no universal7day duty."}},{"source_id":"S_NE-P7-S005","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=84-901","https://nebraskalegislature.gov/laws/statutes.php?statute=84-913","https://nebraskalegislature.gov/laws/statutes.php?statute=84-917","https://nebraskalegislature.gov/laws/statutes.php?statute=84-918","https://nebraskalegislature.gov/laws/statutes.php?statute=84-917&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S005","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Administrative Procedure Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=84-901; https://nebraskalegislature.gov/laws/statutes.php?statute=84-913; https://nebraskalegislature.gov/laws/statutes.php?statute=84-917; https://nebraskalegislature.gov/laws/statutes.php?statute=84-918.","Version/status and actual access":"Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Limits":"Applies only where the actual agency proceeding and decision meet APA predicates."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S005","researcher_record":{"Source ID":"S_NE-P7-S005","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Administrative Procedure Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=84-901; https://nebraskalegislature.gov/laws/statutes.php?statute=84-913; https://nebraskalegislature.gov/laws/statutes.php?statute=84-917; https://nebraskalegislature.gov/laws/statutes.php?statute=84-918.","Version/status and actual access":"Current official codification freshly read October 26, 2026. (nebraskalegislature.gov)","Limits":"Applies only where the actual agency proceeding and decision meet APA predicates."},"coordinator_access":"Fresh complete84-917 operative1–6 primary6;84-901/913/918 primary13.","result_and_limits":"30dayservice-trigger petition/separate30dayservice/noautomaticstay/de novo district record/later errors-on-record supported only qualifying APA case; no agency rule/calendar/finalorder audit."}},{"source_id":"S_NE-P7-S006","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=28-106","https://nebraskalegislature.gov/laws/statutes.php?statute=28-105","https://nebraskalegislature.gov/laws/statutes.php?statute=29-110","https://nebraskalegislature.gov/laws/statutes.php?statute=29-110&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S006","Title, issuer, full literal URL, and exact pinpoint":"Nebraska penalty and criminal-limitation statutes, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=28-106 Class II misdemeanor; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105 Class IV felony; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110 general prosecution periods and exceptions.","Version/status and actual access":"Current official codification freshly read October 26, 2026; §28-105 includes 2025 amendment history. (nebraskalegislature.gov)","Limits":"General periods; another law, offense characterization, fugitive status, or tolling may alter a real prosecution."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S006","researcher_record":{"Source ID":"S_NE-P7-S006","Title, issuer, full literal URL, and exact pinpoint":"Nebraska penalty and criminal-limitation statutes, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=28-106 Class II misdemeanor; https://nebraskalegislature.gov/laws/statutes.php?statute=28-105 Class IV felony; https://nebraskalegislature.gov/laws/statutes.php?statute=29-110 general prosecution periods and exceptions.","Version/status and actual access":"Current official codification freshly read October 26, 2026; §28-105 includes 2025 amendment history. (nebraskalegislature.gov)","Limits":"General periods; another law, offense characterization, fugitive status, or tolling may alter a real prosecution."},"coordinator_access":"Fresh28-105/106 and29-110 operative bodies primary7/8/12.","result_and_limits":"General ClassII sixmo/1000 and IV two years+12mo or10000orboth and general18mo/3yr rules supported;28-105(6)–(8), habitual-criminal/date exceptions must qualify penalty narrative, not automatic sentence."}},{"source_id":"S_NE-P7-S007","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB"],"researcher_record":{"Source ID":"S_NE-P7-S007","Title, issuer, full literal URL, and exact pinpoint":"Pettit v. Nebraska Department of Correctional Services, 291 Neb. 513, 867 N.W.2d 553 (2015), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB; printed p. 513/PDF index 0 and printed p. 523/index 10.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"General implied-private-action standard only; not a debt-management case."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S007","researcher_record":{"Source ID":"S_NE-P7-S007","Title, issuer, full literal URL, and exact pinpoint":"Pettit v. Nebraska Department of Correctional Services, 291 Neb. 513, 867 N.W.2d 553 (2015), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00005157PUB; printed p. 513/PDF index 0 and printed p. 523/index 10.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"General implied-private-action standard only; not a debt-management case."},"coordinator_access":"Fresh official Pettit intro/posture and selected printed513/index0 and523–525/indices10–12 primary4/5/7.","result_and_limits":"C010purpose/legislative-intent rule supported. B5 phrase declined to recognize may imply rejected private cause; actual court expressed considerable doubt and ASSUMED WITHOUT DECIDING because unpreserved. Correct precise posture; no Chapter69 holding."}},{"source_id":"S_NE-P7-S008","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB"],"researcher_record":{"Source ID":"S_NE-P7-S008","Title, issuer, full literal URL, and exact pinpoint":"Eicher v. Mid America Financial Investment Corp., 275 Neb. 462, 748 N.W.2d 1 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed p. 462/index 0, p. 473/index 11, p. 474/index 12.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"NCPA public-interest holding; not a DMP/CSO scope or exemption holding."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S008","researcher_record":{"Source ID":"S_NE-P7-S008","Title, issuer, full literal URL, and exact pinpoint":"Eicher v. Mid America Financial Investment Corp., 275 Neb. 462, 748 N.W.2d 1 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000388PUB; printed p. 462/index 0, p. 473/index 11, p. 474/index 12.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"NCPA public-interest holding; not a DMP/CSO scope or exemption holding."},"coordinator_access":"Fresh Eicher official intro/posture and selected printed473–474/indices11–12 primary4/5/8.","result_and_limits":"Public-interest rule and numerous-homeowners calculated-conduct context supported, not automatic every private transaction/provider coverage; no full citator."}},{"source_id":"S_NE-P7-S009","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB"],"researcher_record":{"Source ID":"S_NE-P7-S009","Title, issuer, full literal URL, and exact pinpoint":"Reinbrecht v. Walgreen Co., 16 Neb. App. 108, 742 N.W.2d 243 (2007), Nebraska Court of Appeals. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed p. 108/index 0, p. 113/index 5, p. 114/index 6.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"Private UDTPA remedy/future-harm holding; not a debt-relief case."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S009","researcher_record":{"Source ID":"S_NE-P7-S009","Title, issuer, full literal URL, and exact pinpoint":"Reinbrecht v. Walgreen Co., 16 Neb. App. 108, 742 N.W.2d 243 (2007), Nebraska Court of Appeals. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000444PUB; printed p. 108/index 0, p. 113/index 5, p. 114/index 6.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+1","Limits":"Private UDTPA remedy/future-harm holding; not a debt-relief case."},"coordinator_access":"Fresh Reinbrecht official intro/posture and printed113–114/indices5–6 primary4/7.","result_and_limits":"Private87-303 no ordinary damages and future harm, actual past stamp transaction and summaryjudgment supported; no implied exclusion of separate303.07 branch."}},{"source_id":"S_NE-P7-S010","urls":["https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB"],"researcher_record":{"Source ID":"S_NE-P7-S010","Title, issuer, full literal URL, and exact pinpoint":"State ex rel. Stenberg v. Consumer’s Choice Foods, Inc., 276 Neb. 481, 755 N.W.2d 583 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB; printed p. 481/index 0, p. 485/index 4, p. 492/index 11, p. 496/index 15, p. 497/index 16.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+4","Limits":"General State NCPA/UDTPA enforcement illustration, not Chapter 69 or CSO authority."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S010","researcher_record":{"Source ID":"S_NE-P7-S010","Title, issuer, full literal URL, and exact pinpoint":"State ex rel. Stenberg v. Consumer’s Choice Foods, Inc., 276 Neb. 481, 755 N.W.2d 583 (2008), Nebraska Supreme Court. https://www.nebraska.gov/apps-courts-epub/public/viewCertified?docId=N00000296PUB; printed p. 481/index 0, p. 485/index 4, p. 492/index 11, p. 496/index 15, p. 497/index 16.","Version/status and actual access":"Final published opinion; relevant pages freshly read and visually inspected October 26, 2026. \nNebraska.gov\n+4","Limits":"General State NCPA/UDTPA enforcement illustration, not Chapter 69 or CSO authority."},"coordinator_access":"Fresh Consumers Choice official intro/posture and selected492–497/indices11–16 primary4/8/12/15.","result_and_limits":"AG action, holder derivative-liability/remedy and affirmance context read. Historical holder-fee holding not imported as current universal assignee law or cap question. No later FTC/citator audit here."}},{"source_id":"S_NE-P7-S011","urls":["https://sos.nebraska.gov/licensing/debt-management-agencies","https://sos.nebraska.gov/licensing/credit-services-organizations","https://sos.nebraska.gov/licensing/debt-management-statutes","https://sos.nebraska.gov/licensing/debt-management-agencies?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S011","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Secretary of State public licensing pages. https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/licensing/debt-management-statutes.","Version/status and actual access":"Current public pages freshly checked October 26, 2026. (sos.nebraska.gov)","Limits":"Visible pages provide forms, rosters, statutes, and contact information, not a complete enforcement-order universe."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S011","researcher_record":{"Source ID":"S_NE-P7-S011","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Secretary of State public licensing pages. https://sos.nebraska.gov/licensing/debt-management-agencies; https://sos.nebraska.gov/licensing/credit-services-organizations; https://sos.nebraska.gov/licensing/debt-management-statutes.","Version/status and actual access":"Current public pages freshly checked October 26, 2026. (sos.nebraska.gov)","Limits":"Visible pages provide forms, rosters, statutes, and contact information, not a complete enforcement-order universe."},"coordinator_access":"Fresh three SOS public HTML page bodies primary11.","result_and_limits":"Visible forms/rosters/statutes only; no whole archive/final-order/complaint database absence conclusion; no roster/entity research."}},{"source_id":"S_NE-P7-S012","urls":["https://ago.nebraska.gov/constituent-complaint-form","https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team","https://ago.nebraska.gov/constituent-complaint-form?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S012","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Attorney General complaint/CART pages. https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team.","Version/status and actual access":"Current complaint form checked October 26, 2026; CART announcement dated December 2, 2021 and checked October 26, 2026. (ago.nebraska.gov)","Limits":"Voluntary complaint/dispute process; not private representation, court filing, or tolling authority."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S012","researcher_record":{"Source ID":"S_NE-P7-S012","Title, issuer, full literal URL, and exact pinpoint":"Nebraska Attorney General complaint/CART pages. https://ago.nebraska.gov/constituent-complaint-form; https://ago.nebraska.gov/news/attorney-general-announces-consumer-affairs-response-team.","Version/status and actual access":"Current complaint form checked October 26, 2026; CART announcement dated December 2, 2021 and checked October 26, 2026. (ago.nebraska.gov)","Limits":"Voluntary complaint/dispute process; not private representation, court filing, or tolling authority."},"coordinator_access":"Fresh complete AG complaint HTML/CART announcement primary11.","result_and_limits":"Read-only fields and Dec2,2021 voluntary both-party cooperation/nonprivate-attorney explanation verified; no submission/contact/tolling or representation."}},{"source_id":"S_NE-P7-S013","urls":["https://uscode.house.gov/us/usc/119-124/t15/s6103/","https://uscode.house.gov/us/usc/119-124/t15/s6104/","https://uscode.house.gov/us/usc/119-124/t15/s6105/","https://uscode.house.gov/us/usc/119-124/t15/s6104/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S013","Title, issuer, full literal URL, and exact pinpoint":"Telemarketing and Consumer Fraud and Abuse Prevention Act. https://uscode.house.gov/us/usc/119-124/t15/s6103/; https://uscode.house.gov/us/usc/119-124/t15/s6104/; https://uscode.house.gov/us/usc/119-124/t15/s6105/.","Version/status and actual access":"U.S. Code text through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Limits":"Conditional TSR remedy boundary only; actual telemarketing coverage remains held."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S013","researcher_record":{"Source ID":"S_NE-P7-S013","Title, issuer, full literal URL, and exact pinpoint":"Telemarketing and Consumer Fraud and Abuse Prevention Act. https://uscode.house.gov/us/usc/119-124/t15/s6103/; https://uscode.house.gov/us/usc/119-124/t15/s6104/; https://uscode.house.gov/us/usc/119-124/t15/s6105/.","Version/status and actual access":"U.S. Code text through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Limits":"Conditional TSR remedy boundary only; actual telemarketing coverage remains held."},"coordinator_access":"Claimed119-124 paths inaccessible primary9; prelim alternative404/notfound primary10;2025/2023Govinfoinaccessible primary11/12;OLRC2023search cached text thenactualopennotfound primary12/13;2021PDFmaintenance primary15.","result_and_limits":"Full CURRENT6103/6104/6105 body/header NOT replicated. Search-provided cached6104text corroborates only discovery, not authenticatedcurrentcomplete source. C042/C043/currentmetadata held; bounded follow-up, do not loop unchanged routes."}},{"source_id":"S_NE-P7-S014","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1679f/","https://uscode.house.gov/us/usc/119-120/t15/s1679g/","https://uscode.house.gov/us/usc/119-120/t15/s1679h/","https://uscode.house.gov/us/usc/119-118/t15/s1679i/","https://uscode.house.gov/us/usc/119-120/t15/s1679g/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S014","Title, issuer, full literal URL, and exact pinpoint":"Federal Credit Repair Organizations Act remedy provisions. https://uscode.house.gov/us/usc/119-120/t15/s1679f/; https://uscode.house.gov/us/usc/119-120/t15/s1679g/; https://uscode.house.gov/us/usc/119-120/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/.","Version/status and actual access":"Displayed U.S. Code text through Public Law 119-120 or 119-118, as stated on the individual pages; freshly read October 26, 2026. (uscode.house.gov)","Limits":"Conditional on CROA coverage and exemption facts."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S014","researcher_record":{"Source ID":"S_NE-P7-S014","Title, issuer, full literal URL, and exact pinpoint":"Federal Credit Repair Organizations Act remedy provisions. https://uscode.house.gov/us/usc/119-120/t15/s1679f/; https://uscode.house.gov/us/usc/119-120/t15/s1679g/; https://uscode.house.gov/us/usc/119-120/t15/s1679h/; https://uscode.house.gov/us/usc/119-118/t15/s1679i/.","Version/status and actual access":"Displayed U.S. Code text through Public Law 119-120 or 119-118, as stated on the individual pages; freshly read October 26, 2026. (uscode.house.gov)","Limits":"Conditional on CROA coverage and exemption facts."},"coordinator_access":"Fresh complete1679g/h on119-120Oct7 header and1679i119-118URLactuallyserving119-120Oct7 header primary9; dated1679f body from priorNE6/NE13 review retained.","result_and_limits":"Greater-ofactual/paid/punitivefactors/successfees;stateFTCdistinct/laterof5yrviolationormaterialwillfuldisclosure-misrepresentationdiscovery supported conditionally. ResearcherURL/versionprecision needs actual returned header, no current119-124 inference."}},{"source_id":"S_NE-P7-S015","urls":["https://uscode.house.gov/us/usc/119-124/t12/s5552/","https://uscode.house.gov/us/usc/119-124/t12/s5564/","https://uscode.house.gov/us/usc/119-124/t12/s5565/","https://uscode.house.gov/us/usc/119-124/t12/s5565/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P7-S015","Title, issuer, full literal URL, and exact pinpoint":"Consumer Financial Protection Act public-enforcement provisions. https://uscode.house.gov/us/usc/119-124/t12/s5552/; https://uscode.house.gov/us/usc/119-124/t12/s5564/; https://uscode.house.gov/us/usc/119-124/t12/s5565/.","Version/status and actual access":"U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Limits":"Public-enforcement boundary only; current inflation-adjusted penalties not researched."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S015","researcher_record":{"Source ID":"S_NE-P7-S015","Title, issuer, full literal URL, and exact pinpoint":"Consumer Financial Protection Act public-enforcement provisions. https://uscode.house.gov/us/usc/119-124/t12/s5552/; https://uscode.house.gov/us/usc/119-124/t12/s5564/; https://uscode.house.gov/us/usc/119-124/t12/s5565/.","Version/status and actual access":"U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. (uscode.house.gov)","Limits":"Public-enforcement boundary only; current inflation-adjusted penalties not researched."},"coordinator_access":"Fresh complete12USC5552/5564/5565 official119-124Oct15 header/bodies primary10.","result_and_limits":"State/national-bank restriction/notice/CFPBpublicauthority/3yrdiscoveryexceptions/relief/noexemplary and unadjustedbasepenalties read. Not privatecause;currentinflationadjustmentheld, no public action."}},{"source_id":"S_NE-P7-S016","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-P7-S016","Title, issuer, full literal URL, and exact pinpoint":"Preserved Title 433 routes. https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; https://rules.nebraska.gov/rules?agencyId=61&titleId=201; https://rules.nebraska.gov/docket; https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf.","Version/status and actual access":"Reused PASS-02 access history, not reclassified as fresh: index identified Title 433; dynamic catalog yielded a JS shell; coordinator docket route returned 403 while a separate route yielded a shell; annual-PDF histories remain separately attributed.","Limits":"No complete current substantive rule, hearing-procedure, civil-penalty, or final-order universe authenticated. Not proof no rule exists."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S016","researcher_record":{"Source ID":"S_NE-P7-S016","Title, issuer, full literal URL, and exact pinpoint":"Preserved Title 433 routes. https://sos.nebraska.gov/index-rules-and-regulations-and-guidance-documents; https://rules.nebraska.gov/rules?agencyId=61&titleId=201; https://rules.nebraska.gov/docket; https://nebraskalegislature.gov/FloorDocs/109/PDF/Agencies/Secretary_of_State/667_20260219-091348.pdf.","Version/status and actual access":"Reused PASS-02 access history, not reclassified as fresh: index identified Title 433; dynamic catalog yielded a JS shell; coordinator docket route returned 403 while a separate route yielded a shell; annual-PDF histories remain separately attributed.","Limits":"No complete current substantive rule, hearing-procedure, civil-penalty, or final-order universe authenticated. Not proof no rule exists."},"coordinator_access":"Explicit dated prior NE2/NE5 access history only; no repeated shell/docket fetch.","result_and_limits":"Title433 substantivecurrentrules/hearing/civilpenalty/orderuniverse unauthenticated; no no-rule assertion."}},{"source_id":"S_NE-P7-S017","urls":["https://www.nebraska.gov/apps-courts-epub/","https://sos.nebraska.gov/","https://ago.nebraska.gov/"],"researcher_record":{"Source ID":"S_NE-P7-S017","Title, issuer, full literal URL, and exact pinpoint":"Bounded official searches: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; Nebraska SOS https://sos.nebraska.gov/; Nebraska AG https://ago.nebraska.gov/; exact searches for “Debt Management Act,” §§69-1207, 69-1216, “Credit Services Organization Act,” §§45-810–45-813, final order, revocation, restitution, and debt settlement.","Version/status and actual access":"Search-only work October 26, 2026.","Limits":"No directly controlling DMP/CSO remedy decision or indexed final order located. Not an exhaustive citator, trial docket, archive, records request, or nonpublic file review."},"coordinator_verification_status":"not_yet_checked","coordinator_review":"[internal evidence reference]","coordinator_source_check":{"source_id":"S_NE-P7-S017","researcher_record":{"Source ID":"S_NE-P7-S017","Title, issuer, full literal URL, and exact pinpoint":"Bounded official searches: Nebraska appellate repository https://www.nebraska.gov/apps-courts-epub/; Nebraska SOS https://sos.nebraska.gov/; Nebraska AG https://ago.nebraska.gov/; exact searches for “Debt Management Act,” §§69-1207, 69-1216, “Credit Services Organization Act,” §§45-810–45-813, final order, revocation, restitution, and debt settlement.","Version/status and actual access":"Search-only work October 26, 2026.","Limits":"No directly controlling DMP/CSO remedy decision or indexed final order located. Not an exhaustive citator, trial docket, archive, records request, or nonpublic file review."},"coordinator_access":"Researcher bounded negative searches read; not independently repeated. Coordinator separate cap discovery primary5/8/12/14/15 selected two official district opinions.","result_and_limits":"No claim of exhaustive controlling-case absence, full history/citator/adminorders. District opinions mostly quote statute; Bassett2021footnote5expresslydeclinesstatutorydamageissue, no cap interpretation established. Unrelated search results not authorities."}}],"coverage":[{"topic":"Chapter 69 scope predicate","researcher_record":{"Assigned issue":"Chapter 69 scope predicate","Status":"Preserved/conditional","Claim IDs":"C001","Missing evidence or next action":"Actual custody, payment authority, debtor, remote nexus, and entity facts"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 license discipline grounds","researcher_record":{"Assigned issue":"Chapter 69 license discipline grounds","Status":"Answered","Claim IDs":"C003–C004","Missing evidence or next action":"Actual charges, service, hearing record, and final order"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 examination/investigation","researcher_record":{"Assigned issue":"Chapter 69 examination/investigation","Status":"Answered","Claim IDs":"C005–C006","Missing evidence or next action":"Actual demand, cost calculation, production order, and review record"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 cease-and-desist","researcher_record":{"Assigned issue":"Chapter 69 cease-and-desist","Status":"Not expressly established in Chapter 69","Claim IDs":"C008","Missing evidence or next action":"Current Title 433 or formal order; UDTPA route remains separate"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 restitution","researcher_record":{"Assigned issue":"Chapter 69 restitution","Status":"Not expressly established","Claim IDs":"C008","Missing evidence or next action":"Independent NCPA/UDTPA/bond/contract authority"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 civil penalties","researcher_record":{"Assigned issue":"Chapter 69 civil penalties","Status":"Not expressly established","Claim IDs":"C008","Missing evidence or next action":"Current rule or separate statutory theory"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 criminal offense","researcher_record":{"Assigned issue":"Chapter 69 criminal offense","Status":"Answered","Claim IDs":"C007","Missing evidence or next action":"Actual coverage, role, license status, knowledge/willfulness"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 private damages","researcher_record":{"Assigned issue":"Chapter 69 private damages","Status":"Unresolved/not established","Claim IDs":"C008–C010","Missing evidence or next action":"Controlling case, legislative history, or recognized implied-action decision"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"Chapter 69 private injunction","researcher_record":{"Assigned issue":"Chapter 69 private injunction","Status":"Not established","Claim IDs":"C008","Missing evidence or next action":"Independent statute or controlling decision"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 contract voidness","researcher_record":{"Assigned issue":"Chapter 69 contract voidness","Status":"Not established","Claim IDs":"C008","Missing evidence or next action":"Contract/remedies pass and actual clause"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 two-year period","researcher_record":{"Assigned issue":"Chapter 69 two-year period","Status":"Answered textually; accrual partial","Claim IDs":"C009","Missing evidence or next action":"Controlling accrual, discovery, tolling, and claim-characterization authority"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Chapter 69 administrative appeal","researcher_record":{"Assigned issue":"Chapter 69 administrative appeal","Status":"Answered conditionally","Claim IDs":"C011","Missing evidence or next action":"Actual final contested-case decision and service record"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO scope/exemptions","researcher_record":{"Assigned issue":"CSO scope/exemptions","Status":"Answered conditionally","Claim IDs":"C012","Missing evidence or next action":"Actual service, representation, payment, entity, and exemption evidence"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO private damages","researcher_record":{"Assigned issue":"CSO private damages","Status":"Answered","Claim IDs":"C012–C013","Missing evidence or next action":"Actual injury, causation, payment, fees, and judgment"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO injunction","researcher_record":{"Assigned issue":"CSO injunction","Status":"Answered textually","Claim IDs":"C014","Missing evidence or next action":"Standing and equitable application in an actual case"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO contract breach","researcher_record":{"Assigned issue":"CSO contract breach","Status":"Answered","Claim IDs":"C016","Missing evidence or next action":"Actual contract and breach evidence"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO waiver","researcher_record":{"Assigned issue":"CSO waiver","Status":"Answered","Claim IDs":"C017","Missing evidence or next action":"Actual release/arbitration/settlement clause"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO entire-contract voidness","researcher_record":{"Assigned issue":"CSO entire-contract voidness","Status":"Not established under state Act","Claim IDs":"C017","Missing evidence or next action":"Actual clause, severability, CROA coverage, and contract law"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO UDTPA incorporation","researcher_record":{"Assigned issue":"CSO UDTPA incorporation","Status":"Answered","Claim IDs":"C015","Missing evidence or next action":"Particular UDTPA remedy predicates"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO security boundary","researcher_record":{"Assigned issue":"CSO security boundary","Status":"Answered narrowly","Claim IDs":"C020","Missing evidence or next action":"Full P5 security review remains unaccepted; actual instrument/claim excluded"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO criminal provision","researcher_record":{"Assigned issue":"CSO criminal provision","Status":"Answered","Claim IDs":"C019","Missing evidence or next action":"Criminal mens rea and prosecution facts"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"CSO four-year period","researcher_record":{"Assigned issue":"CSO four-year period","Status":"Answered","Claim IDs":"C018","Missing evidence or next action":"Exact execution date and any separate cause"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA private standing","researcher_record":{"Assigned issue":"NCPA private standing","Status":"Answered generally","Claim IDs":"C021–C022","Missing evidence or next action":"Actual public interest, injury, causation, exposure/reliance facts"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA regulatory exclusion","researcher_record":{"Assigned issue":"NCPA regulatory exclusion","Status":"Unresolved for DMP/CSO","Claim IDs":"C029","Missing evidence or next action":"Full controlling-case review and exact regulated conduct"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA private damages","researcher_record":{"Assigned issue":"NCPA private damages","Status":"Answered","Claim IDs":"C021, C023","Missing evidence or next action":"Actual damages and court discretion"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"NCPA Attorney General injunction/restoration","researcher_record":{"Assigned issue":"NCPA Attorney General injunction/restoration","Status":"Answered","Claim IDs":"C024–C026","Missing evidence or next action":"Actual public pleading/order"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA assurance and evidentiary effects","researcher_record":{"Assigned issue":"NCPA assurance and evidentiary effects","Status":"Answered","Claim IDs":"C027–C028","Missing evidence or next action":"Actual document and whether merits finding exists"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"NCPA limitation/tolling","researcher_record":{"Assigned issue":"NCPA limitation/tolling","Status":"Answered textually; accrual partial","Claim IDs":"C030","Missing evidence or next action":"Accrual, concealment, class tolling, exact AG pendency"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA private injunction","researcher_record":{"Assigned issue":"UDTPA private injunction","Status":"Answered","Claim IDs":"C031","Missing evidence or next action":"Actual likely future harm"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA rescission/retention","researcher_record":{"Assigned issue":"UDTPA rescission/retention","Status":"Answered textually; application partial","Claim IDs":"C032","Missing evidence or next action":"Whether service agreement is covered sale/lease and inducement proof"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA Attorney General C&D/investigation","researcher_record":{"Assigned issue":"UDTPA Attorney General C&D/investigation","Status":"Answered","Claim IDs":"C033–C035","Missing evidence or next action":"Actual order, service, hearing, and judicial review"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA civil/criminal penalties","researcher_record":{"Assigned issue":"UDTPA civil/criminal penalties","Status":"Answered","Claim IDs":"C036–C037","Missing evidence or next action":"Actual violation unit, willfulness, and prosecution"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"UDTPA limitation","researcher_record":{"Assigned issue":"UDTPA limitation","Status":"Answered textually","Claim IDs":"C038","Missing evidence or next action":"Actual purchase date and other tolling"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"UDTPA AG notice procedure","researcher_record":{"Assigned issue":"UDTPA AG notice procedure","Status":"Answered","Claim IDs":"C039","Missing evidence or next action":"Actual filing and mailing evidence"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"Jury implications","researcher_record":{"Assigned issue":"Jury implications","Status":"Answered only for express NCPA/UDTPA provisions","Claim IDs":"C040","Missing evidence or next action":"Private jury, equitable allocation, class, and arbitration questions remain later"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Federal TSR remedy boundary","researcher_record":{"Assigned issue":"Federal TSR remedy boundary","Status":"Answered conditionally","Claim IDs":"C042–C043","Missing evidence or next action":"Actual telemarketing plan, calls, actor, exemption, damages"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"CROA remedy boundary","researcher_record":{"Assigned issue":"CROA remedy boundary","Status":"Answered conditionally","Claim IDs":"C044–C046","Missing evidence or next action":"Actual credit-repair purpose, entity, consumer, and exemption"},"coordinator_acceptance":"reviewed_bounded_correction_or_source_hold","coordinator_review":"[internal evidence reference]","bounded_followup":"S_NE/pass-16"},{"topic":"CFPA boundary","researcher_record":{"Assigned issue":"CFPA boundary","Status":"Answered as public route","Claim IDs":"C047","Missing evidence or next action":"Covered person/product, jurisdiction, current adjusted penalties"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Public SOS procedure","researcher_record":{"Assigned issue":"Public SOS procedure","Status":"Partial","Claim IDs":"C048","Missing evidence or next action":"Nonindexed orders, hearing files, archive, records request"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"AG complaint procedure","researcher_record":{"Assigned issue":"AG complaint procedure","Status":"Answered operationally","Claim IDs":"C049–C050","Missing evidence or next action":"Actual complaint and agency response excluded"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"DMP/CSO final orders","researcher_record":{"Assigned issue":"DMP/CSO final orders","Status":"Not located","Claim IDs":"C051","Missing evidence or next action":"Full archive, paper files, trial/federal dockets, records request"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Current Title 433 remedies/hearing rules","researcher_record":{"Assigned issue":"Current Title 433 remedies/hearing rules","Status":"Unresolved","Claim IDs":"C052","Missing evidence or next action":"Accessible official complete current compilation and adoption orders"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Full bond claims","researcher_record":{"Assigned issue":"Full bond claims","Status":"Excluded except statutory boundary","Claim IDs":"C020","Missing evidence or next action":"PASS-05 and future reviewed component"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Full agreement enforceability/arbitration","researcher_record":{"Assigned issue":"Full agreement enforceability/arbitration","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"PASS-06 and future reviewed component"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Full funds/return consequences","researcher_record":{"Assigned issue":"Full funds/return consequences","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"PASS-04 and future reviewed component"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Common-law fraud, negligent misrepresentation, contract, unjust enrichment","researcher_record":{"Assigned issue":"Common-law fraud, negligent misrepresentation, contract, unjust enrichment","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate Nebraska private-remedies pass if assigned"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Collections, garnishment, ordinary debt limitations, secured debts, sector laws","researcher_record":{"Assigned issue":"Collections, garnishment, ordinary debt limitations, secured debts, sector laws","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate required passes"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Local, tribal, country, choice-of-law dimensions","researcher_record":{"Assigned issue":"Local, tribal, country, choice-of-law dimensions","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate required passes"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider liability or approval","researcher_record":{"Assigned issue":"Named-provider liability or approval","Status":"Not performed","Claim IDs":"—","Missing evidence or next action":"Exact entity, conduct, license, contract, and dated records"},"coordinator_acceptance":"scoped_review_complete_component_unaccepted","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}