{"meta":{"key":"s_nh--pass-02","task":"S_NH","title":"SNH Bounded worked-example consistency correction","parent_title":"New Hampshire debt and debt relief law","edition":"pass-02","path":"/research/s_nh--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-25","tables":4,"claims":3,"sources":2,"review_status":"accepted_with_limits","review_complete":true,"sha256":"cefc7a1772b83454f9b408556bb61f9903660d46e12c216a0d7deb63b1d0e4e7","headings":["Correction determination","Exact replacement for PASS-01 Example 7","Example 7 — Later partial settlement, prior proportional fees, and remaining aggregate headroom","Exact replacement for PASS-01 Example 8","Example 8 — Federal dedicated-account withdrawal, with earned-fee deduction qualified","PASS-01 disposition","S_NH-P2 source register","S_NH-P2 corrective claim rows","Coverage patch"],"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_NH/pass-02","facets":{"geography":["us","us-nh"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyExample7same-method/prior-feeconsistencyandExample8earned-deductionqualification","pending_corrections":0},"markdown":"# S_NH PASS-02 — Bounded worked-example consistency correction\n\n**Actual access date:** October 24, 2026, Pacific.\n**Runtime:** GPT-5.6 Sol Pro, regular Chat, under the authorized quality-first fallback.\n**Disposition:** PASS-01 remains immutable. This correction replaces only PASS-01 Examples 7 and 8 and adds the two-source/two-example corrective record below.\n\n## Correction determination\n\nPASS-01 Example 7’s individual calculations—$750 total fee, $150 proportional share for a $1,000 debt, and $750 − $650 = $100—were arithmetically correct in isolation. The combined premise was not internally consistent.\n\nUnder the example’s single $5,000 enrollment, fixed $750 total fee, and proportional-balance method, all debts other than the identified $1,000 debt total only $4,000. They can therefore support at most:\n\nPlain text\n```\n$4,000 ÷ $5,000 × $750 = $600\n```\n\nThey cannot support $650 in properly allocated prior fees. Moreover, describing the $1,000 debt as the “first resolved debt” leaves no disclosed earlier qualifying debt from which prior fees could have been earned. Section 310.4(a)(5)(i) requires not just a first payment, but a valid alteration agreement, a payment under that agreement, and—when debts are resolved individually—the selected allocation calculation. [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## Exact replacement for PASS-01 Example 7\n\n### Example 7 — Later partial settlement, prior proportional fees, and remaining aggregate headroom\n\nPlain text\n```\nSingle enrollment and fee method\n\n  Total enrolled principal at enrollment:              $5,000\n  Contracted total fee for the entire enrolled balance: $750\n  New Hampshire aggregate percentage:\n      $750 ÷ $5,000 = 15%\n\n  Federal allocation method used for every individually\n  resolved debt:\n      proportional enrolled-balance method under\n      16 C.F.R. §310.4(a)(5)(i)(C)(1)\n\nEarlier resolved debts and prior fees\n\n  Debt A enrolled balance: $2,000\n\n  Assumed performance:\n    - Debt A was altered under a valid agreement.\n    - The customer made at least one payment under that agreement.\n    - The fee was charged only to the extent then permitted by\n      the New Hampshire 30-day/monthly-amortization requirements\n      and the contract.\n\n  Debt A proportional fee:\n      $2,000 ÷ $5,000 × $750 = $300\n\n\n  Debt B enrolled balance: $1,000\n\n  Assumed performance:\n    - Debt B was altered under a valid agreement.\n    - The customer made at least one payment under that agreement.\n    - The fee was charged only to the extent then permitted by\n      the New Hampshire 30-day/monthly-amortization requirements\n      and the contract.\n\n  Debt B proportional fee:\n      $1,000 ÷ $5,000 × $750 = $150\n\n\n  Prior properly earned and permitted fees:\n      $300 + $150 = $450\n\n\nNewly resolved debt\n\n  Debt C enrolled balance: $1,000\n\n  Assumed federal performance:\n    - Debt C was altered under a valid agreement.\n    - The customer made at least one payment under that agreement.\n\n  Debt C proportional allocation:\n      $1,000 ÷ $5,000 × $750 = $150\n\n\nTwo numerical constraints\n\n  Remaining New Hampshire aggregate-cap headroom before Debt C:\n      $750 − $450 = $300\n\n  Federal amount allocated to Debt C:\n      $150\n\n  Maximum under these two numerical constraints:\n      lesser of $300 and $150 = $150\n\n\nRemaining debt\n\n  Debt D unresolved enrolled balance: $1,000\n\n  Remaining proportional share associated with Debt D:\n      $1,000 ÷ $5,000 × $750 = $150\n\n  That remaining $150 is not earned on the stated facts because\n  Debt D has not been altered and no qualifying payment under an\n  agreement for Debt D is stated.\n\n\nTiming qualification\n\n  The $150 attributable to Debt C is the maximum supported by the\n  federal proportional-allocation calculation and the remaining\n  New Hampshire aggregate cap.\n\n  It is not automatically the amount presently requestable or\n  receivable. The presently chargeable amount remains the lesser of:\n\n    1. $150; and\n    2. the amount, if any, then permitted by the contract's\n       New Hampshire-compliant monthly-amortization schedule\n       after the contract has been effective at least 30 days\n       and at the applicable 30-day interval.\n\n  Because the contract term and monthly schedule are not supplied,\n  this example does not determine how much of the $150 can be\n  collected at a particular interval.\n```\n\nThis replacement uses one enrollment, one $750 total contract fee, and one proportional allocation method across all debts. It does not resolve PASS-01’s hold concerning the precise meaning or permissible construction of New Hampshire’s “monthly amortized fee.” RSA 399-D:16 I preserves the 30-day contract-age and 30-day-interval conditions, while paragraph II supplies the 15% aggregate ceiling. [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm)\n\n## Exact replacement for PASS-01 Example 8\n\n### Example 8 — Federal dedicated-account withdrawal, with earned-fee deduction qualified\n\nPlain text\n```\nCustomer-owned dedicated-account balance: $2,000\n\nAssumed deductible earned fee: $300\n\nFor purposes of this example, the $300 assumption means that:\n\n  - the debt or debts supporting the $300 were altered under\n    valid creditor or debt-collector agreements;\n\n  - the customer made at least one payment under each agreement\n    supporting the fee;\n\n  - the $300 was calculated under the same selected\n    §310.4(a)(5)(i)(C) allocation method used for the enrollment;\n\n  - no part of the $300 exceeds the amount allocable to the\n    qualifying resolved debt or debts; and\n\n  - the fee was also permitted to be charged or received under\n    applicable RSA 399-D:16 conditions and the contract,\n    including the contract-age and monthly-amortization constraints.\n\n\nFunds remaining after the assumed properly earned fee:\n\n  $2,000 − $300 = $1,700\n\n\nResult if all §310.4(a)(5)(ii) dedicated-account conditions apply:\n\n  $1,700 must be returned within seven business days after\n  the customer's request.\n\n\nFailure case:\n\n  If some or all of the $300 was not earned in compliance with\n  §310.4(a)(5)(i)(A) through (C), it cannot be excluded from the\n  account-return amount merely because the customer made one payment.\n\n  The return amount would then exceed $1,700 to the extent the\n  $300 deduction was unsupported.\n```\n\nThe $1,700 subtraction remains unchanged. The correction is to its premise: the federal dedicated-account provision excludes only funds earned in compliance with all three relevant federal components, including the allocation requirement—not fees supported solely by one payment. This example still does not establish a general New Hampshire cancellation-refund rule. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\n## PASS-01 disposition\n\n| PASS-01 item | PASS-02 disposition |\n| --- | --- |\n| **C024 — settlement fees based on total contractual indebtedness and capped at 15%** | **Unchanged and remains correct.** |\n| **C025 — no state fee before day 30; thereafter monthly amortized fees at 30-day intervals; exact formula unresolved** | **Unchanged and remains correct.** Both corrected examples expressly preserve this condition and hold. |\n| **C032 — federal valid-agreement and first-payment prerequisites** | **Unchanged and remains correct.** Example 7 now states the prerequisites separately for each fee-supporting debt. |\n| **C033 — proportional or constant-savings allocation and dedicated-account treatment** | **Unchanged and remains correct.** Example 7 now applies one proportional method consistently; Example 8 now conditions the $300 deduction on compliance with A–C. |\n| **Example 7’s $750 aggregate ceiling** | **Unchanged.** |\n| **Example 7’s $150 calculation for a $1,000 debt** | **Unchanged when the proportional method applies.** |\n| **Example 7’s assumption of $650 in prior properly earned fees** | **Withdrawn for the stated facts.** Other debts totaling $4,000 could support no more than $600 under that fixed proportional arrangement, and “first resolved debt” disclosed no earlier resolved debt. |\n| **Example 7’s $100 headroom calculation** | **Arithmetic remains true only as an abstract subtraction, but its $650 premise was unsupported.** It is replaced by the internally consistent $450-prior-fee/$300-headroom scenario above. |\n| **Example 8’s $2,000 − $300 = $1,700 calculation** | **Unchanged.** |\n| **Example 8’s characterization of the $300 as earned** | **Qualified.** The $300 must satisfy §310.4(a)(5)(i)(A)–(C) and applicable New Hampshire conditions; one payment alone is insufficient. |\n\n## S_NH-P2 source register\n\n| Source ID | Title, issuer, and complete literal URL | Pinpoint, version, and effective status | Actual read and limitation |\n| --- | --- | --- | --- |\n| **S_NH-P2-S001** | **RSA 399-D:16, Provisions Applicable to Debt Settlement Plans Under This Chapter — New Hampshire General Court**  https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm | Paragraph I: no fee entitlement before 30 days; thereafter monthly amortized fee at 30-day intervals, subject to prepayment/cancellation language. Paragraph II: fees based on total contractual indebtedness and no more than 15%. Source notation: 2016, 151:1, effective January 1, 2017. Current codified HTML as accessed October 24, 2026. | Paragraphs I–II actually read October 24, 2026. Used only for the aggregate ceiling and state timing qualification. It does not resolve the still-held monthly-amortization formula. [New Hampshire Government](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm) |\n| **S_NH-P2-S002** | **16 C.F.R. §310.4, Abusive Telemarketing Acts or Practices — Electronic Code of Federal Regulations**  https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 | §310.4(a)(5)(i)(A)–(C)(1): valid alteration agreement, customer payment, and proportional enrolled-balance allocation. §310.4(a)(5)(ii)(E): account withdrawal and exclusion only for funds earned in compliance with A–C. Title 16 displayed as up to date through October 22, 2026; last amended October 19, 2026. | Exact provisions actually read October 24, 2026. eCFR is authoritative but unofficial. Federal rule remains conditional on TSR coverage; this pass does not revisit coverage. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) |\n\n## S_NH-P2 corrective claim rows\n\n| Claim ID | New corrective assertion | Sources and pinpoints | Conditions and confidence limit |\n| --- | --- | --- | --- |\n| **S_NH-P2-C001** | Under one $5,000 enrollment, one $750 total fee, and §310.4(a)(5)(i)(C)(1)’s proportional method, debts totaling $4,000 can support at most $600 in proportional fees. PASS-01 Example 7’s $650-prior-fee premise was therefore inconsistent; calling the $1,000 debt “first resolved” also failed to disclose an earlier performance basis. | S_NH-P2-S001, RSA 399-D:16 II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). [New Hampshire Government+1](https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm) | Mathematical and rule-consistency correction only. It does not determine whether any particular fee was actually charged lawfully. |\n| **S_NH-P2-C002** | In the replacement scenario, earlier resolved debts of $2,000 and $1,000 support $300 and $150 respectively; prior fees are $450. A newly resolved $1,000 debt supports a $150 proportional allocation, while aggregate-cap headroom is $300. The numerical maximum under those two constraints is therefore $150. | S_NH-P2-S001, RSA 399-D:16 I–II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Actual present collectibility may be below $150 because the New Hampshire contract-age and monthly-amortization schedule remain independently applicable and unspecified. |\n| **S_NH-P2-C003** | In Example 8, $300 may be excluded from the dedicated-account return amount only if it was earned in compliance with §310.4(a)(5)(i)(A)–(C); a single payment without the agreement and allocation predicates is insufficient. Applicable New Hampshire timing and cap conditions also remain separately necessary. | S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C), (a)(5)(ii)(E); S_NH-P2-S001, RSA 399-D:16 I–II. [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4) | Does not resolve general New Hampshire refunds, cancellation consequences, or dedicated-account legality. |\n\n## Coverage patch\n\n| PASS-01 example | Patched status | Exact effect | Remaining holds |\n| --- | --- | --- | --- |\n| **Example 7** | **Corrected** | Replaced the inconsistent $650 prior-fee premise with two disclosed earlier resolved debts supporting $450 under the same proportional method. Added the newly resolved $1,000 debt, $150 allocation, $300 aggregate headroom, and the lesser-of-$150 result. | Exact New Hampshire monthly-amortization formula, interval availability, cancellation, refund, and broader timing questions remain unresolved. |\n| **Example 8** | **Qualified** | Preserved the $1,700 subtraction but made the $300 deduction expressly dependent on valid agreements, payments, consistent allocation under A–C, and applicable New Hampshire conditions. | General New Hampshire refund rules, cancellation treatment, account structure, custody, and other PASS-01 funds holds remain unresolved. |\n\nAll other PASS-01 sources, claims, examples, FAQ-403 gaps, monthly-formula hold, repayment-cap hold, fair-share hold, commercial money-transmission hold, NMLS/currentness issues, contract questions, case-law questions, and full-state categories remain unchanged. This is not an independent review, full-component acceptance, whole-state acceptance, A066 acceptance, or publication determination.\n\n**END S_NH PASS-02.**\n\n","tables":[{"headers":["PASS-01 item","PASS-02 disposition"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-01 item","PASS-02 disposition"],["C024 — settlement fees based on total contractual indebtedness and capped at 15%","Unchanged and remains correct."],["C025 — no state fee before day 30; thereafter monthly amortized fees at 30-day intervals; exact formula unresolved","Unchanged and remains correct. Both corrected examples expressly preserve this condition and hold."],["C032 — federal valid-agreement and first-payment prerequisites","Unchanged and remains correct. Example 7 now states the prerequisites separately for each fee-supporting debt."],["C033 — proportional or constant-savings allocation and dedicated-account treatment","Unchanged and remains correct. Example 7 now applies one proportional method consistently; Example 8 now conditions the $300 deduction on compliance with A–C."],["Example 7’s $750 aggregate ceiling","Unchanged."],["Example 7’s $150 calculation for a $1,000 debt","Unchanged when the proportional method applies."],["Example 7’s assumption of $650 in prior properly earned fees","Withdrawn for the stated facts. Other debts totaling $4,000 could support no more than $600 under that fixed proportional arrangement, and “first resolved debt” disclosed no earlier resolved debt."],["Example 7’s $100 headroom calculation","Arithmetic remains true only as an abstract subtraction, but its $650 premise was unsupported. It is replaced by the internally consistent $450-prior-fee/$300-headroom scenario above."],["Example 8’s $2,000 − $300 = $1,700 calculation","Unchanged."],["Example 8’s characterization of the $300 as earned","Qualified. The $300 must satisfy §310.4(a)(5)(i)(A)–(C) and applicable New Hampshire conditions; one payment alone is insufficient."]]},{"headers":["Source ID","Title, issuer, and complete literal URL","Pinpoint, version, and effective status","Actual read and limitation"],"index":1,"links":[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],"row_links":[[],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}]],"rows":[["Source ID","Title, issuer, and complete literal URL","Pinpoint, version, and effective status","Actual read and limitation"],["S_NH-P2-S001","RSA 399-D:16, Provisions Applicable to Debt Settlement Plans Under This Chapter — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","Paragraph I: no fee entitlement before 30 days; thereafter monthly amortized fee at 30-day intervals, subject to prepayment/cancellation language. Paragraph II: fees based on total contractual indebtedness and no more than 15%. Source notation: 2016, 151:1, effective January 1, 2017. Current codified HTML as accessed October 24, 2026.","Paragraphs I–II actually read October 24, 2026. Used only for the aggregate ceiling and state timing qualification. It does not resolve the still-held monthly-amortization formula. \nNew Hampshire Government"],["S_NH-P2-S002","16 C.F.R. §310.4, Abusive Telemarketing Acts or Practices — Electronic Code of Federal Regulations\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","§310.4(a)(5)(i)(A)–(C)(1): valid alteration agreement, customer payment, and proportional enrolled-balance allocation. §310.4(a)(5)(ii)(E): account withdrawal and exclusion only for funds earned in compliance with A–C. Title 16 displayed as up to date through October 22, 2026; last amended October 19, 2026.","Exact provisions actually read October 24, 2026. eCFR is authoritative but unofficial. Federal rule remains conditional on TSR coverage; this pass does not revisit coverage. \neCFR\n+1"]]},{"headers":["Claim ID","New corrective assertion","Sources and pinpoints","Conditions and confidence limit"],"index":2,"links":[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],"row_links":[[],[{"href":"https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","text":"New Hampshire Government\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","text":"eCFR\n+1"}]],"rows":[["Claim ID","New corrective assertion","Sources and pinpoints","Conditions and confidence limit"],["S_NH-P2-C001","Under one $5,000 enrollment, one $750 total fee, and §310.4(a)(5)(i)(C)(1)’s proportional method, debts totaling $4,000 can support at most $600 in proportional fees. PASS-01 Example 7’s $650-prior-fee premise was therefore inconsistent; calling the $1,000 debt “first resolved” also failed to disclose an earlier performance basis.","S_NH-P2-S001, RSA 399-D:16 II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). \nNew Hampshire Government\n+1","Mathematical and rule-consistency correction only. It does not determine whether any particular fee was actually charged lawfully."],["S_NH-P2-C002","In the replacement scenario, earlier resolved debts of $2,000 and $1,000 support $300 and $150 respectively; prior fees are $450. A newly resolved $1,000 debt supports a $150 proportional allocation, while aggregate-cap headroom is $300. The numerical maximum under those two constraints is therefore $150.","S_NH-P2-S001, RSA 399-D:16 I–II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). \neCFR\n+1","Actual present collectibility may be below $150 because the New Hampshire contract-age and monthly-amortization schedule remain independently applicable and unspecified."],["S_NH-P2-C003","In Example 8, $300 may be excluded from the dedicated-account return amount only if it was earned in compliance with §310.4(a)(5)(i)(A)–(C); a single payment without the agreement and allocation predicates is insufficient. Applicable New Hampshire timing and cap conditions also remain separately necessary.","S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C), (a)(5)(ii)(E); S_NH-P2-S001, RSA 399-D:16 I–II. \neCFR\n+1","Does not resolve general New Hampshire refunds, cancellation consequences, or dedicated-account legality."]]},{"headers":["PASS-01 example","Patched status","Exact effect","Remaining holds"],"index":3,"links":[],"row_links":[[],[],[]],"rows":[["PASS-01 example","Patched status","Exact effect","Remaining holds"],["Example 7","Corrected","Replaced the inconsistent $650 prior-fee premise with two disclosed earlier resolved debts supporting $450 under the same proportional method. Added the newly resolved $1,000 debt, $150 allocation, $300 aggregate headroom, and the lesser-of-$150 result.","Exact New Hampshire monthly-amortization formula, interval availability, cancellation, refund, and broader timing questions remain unresolved."],["Example 8","Qualified","Preserved the $1,700 subtraction but made the $300 deduction expressly dependent on valid agreements, payments, consistent allocation under A–C, and applicable New Hampshire conditions.","General New Hampshire refund rules, cancellation treatment, account structure, custody, and other PASS-01 funds holds remain unresolved."]]}],"claims":[{"claim_id":"S_NH-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P2-C001","New corrective assertion":"Under one $5,000 enrollment, one $750 total fee, and §310.4(a)(5)(i)(C)(1)’s proportional method, debts totaling $4,000 can support at most $600 in proportional fees. PASS-01 Example 7’s $650-prior-fee premise was therefore inconsistent; calling the $1,000 debt “first resolved” also failed to disclose an earlier performance basis.","Sources and pinpoints":"S_NH-P2-S001, RSA 399-D:16 II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). \nNew Hampshire Government\n+1","Conditions and confidence limit":"Mathematical and rule-consistency correction only. It does not determine whether any particular fee was actually charged lawfully."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P2-C002","New corrective assertion":"In the replacement scenario, earlier resolved debts of $2,000 and $1,000 support $300 and $150 respectively; prior fees are $450. A newly resolved $1,000 debt supports a $150 proportional allocation, while aggregate-cap headroom is $300. The numerical maximum under those two constraints is therefore $150.","Sources and pinpoints":"S_NH-P2-S001, RSA 399-D:16 I–II; S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C)(1). \neCFR\n+1","Conditions and confidence limit":"Actual present collectibility may be below $150 because the New Hampshire contract-age and monthly-amortization schedule remain independently applicable and unspecified."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NH-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NH-P2-C003","New corrective assertion":"In Example 8, $300 may be excluded from the dedicated-account return amount only if it was earned in compliance with §310.4(a)(5)(i)(A)–(C); a single payment without the agreement and allocation predicates is insufficient. Applicable New Hampshire timing and cap conditions also remain separately necessary.","Sources and pinpoints":"S_NH-P2-S002, §310.4(a)(5)(i)(A)–(C), (a)(5)(ii)(E); S_NH-P2-S001, RSA 399-D:16 I–II. \neCFR\n+1","Conditions and confidence limit":"Does not resolve general New Hampshire refunds, cancellation consequences, or dedicated-account legality."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_NH-P2-S001","urls":["https://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm"],"researcher_record":{"Source ID":"S_NH-P2-S001","Title, issuer, and complete literal URL":"RSA 399-D:16, Provisions Applicable to Debt Settlement Plans Under This Chapter — New Hampshire General Court\n\nhttps://gc.nh.gov/rsa/html/XXXVI/399-D/399-D-16.htm","Pinpoint, version, and effective status":"Paragraph I: no fee entitlement before 30 days; thereafter monthly amortized fee at 30-day intervals, subject to prepayment/cancellation language. Paragraph II: fees based on total contractual indebtedness and no more than 15%. Source notation: 2016, 151:1, effective January 1, 2017. Current codified HTML as accessed October 24, 2026.","Actual read and limitation":"Paragraphs I–II actually read October 24, 2026. Used only for the aggregate ceiling and state timing qualification. It does not resolve the still-held monthly-amortization formula. \nNew Hampshire Government"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NH-P2-S002","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"Source ID":"S_NH-P2-S002","Title, issuer, and complete literal URL":"16 C.F.R. §310.4, Abusive Telemarketing Acts or Practices — Electronic Code of Federal Regulations\n\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","Pinpoint, version, and effective status":"§310.4(a)(5)(i)(A)–(C)(1): valid alteration agreement, customer payment, and proportional enrolled-balance allocation. §310.4(a)(5)(ii)(E): account withdrawal and exclusion only for funds earned in compliance with A–C. Title 16 displayed as up to date through October 22, 2026; last amended October 19, 2026.","Actual read and limitation":"Exact provisions actually read October 24, 2026. eCFR is authoritative but unofficial. Federal rule remains conditional on TSR coverage; this pass does not revisit coverage. \neCFR\n+1"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Example 7","researcher_record":{"PASS-01 example":"Example 7","Patched status":"Corrected","Exact effect":"Replaced the inconsistent $650 prior-fee premise with two disclosed earlier resolved debts supporting $450 under the same proportional method. Added the newly resolved $1,000 debt, $150 allocation, $300 aggregate headroom, and the lesser-of-$150 result.","Remaining holds":"Exact New Hampshire monthly-amortization formula, interval availability, cancellation, refund, and broader timing questions remain unresolved."},"coordinator_acceptance":"targeted_patch_accepted_with_limits_not_component_acceptance","coordinator_review":"[internal evidence reference]"},{"topic":"Example 8","researcher_record":{"PASS-01 example":"Example 8","Patched status":"Qualified","Exact effect":"Preserved the $1,700 subtraction but made the $300 deduction expressly dependent on valid agreements, payments, consistent allocation under A–C, and applicable New Hampshire conditions.","Remaining holds":"General New Hampshire refund rules, cancellation treatment, account structure, custody, and other PASS-01 funds holds remain unresolved."},"coordinator_acceptance":"targeted_patch_accepted_with_limits_not_component_acceptance","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}