{"meta":{"key":"s_nj--pass-01","task":"S_NJ","title":"SNJ New Jersey provider market access and consumer fees","parent_title":"New Jersey debt and debt relief law","edition":"pass-01","path":"/research/s_nj--pass-01/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":10,"claims":41,"sources":35,"review_status":"revise","review_complete":true,"sha256":"fcf4c9965cb2d4fdf1ad8bf716f60c23ffa5155e3ae04b06444a70d613112eb7","headings":["Principal findings","1. What conduct New Jersey classifies as debt adjustment","The statute uses alternative activity tests","Consumer versus business purpose","New Jersey residents and remote providers","2. Which models are prohibited, licensed, registered, or conditionally exempt","Ordinary licensing route","Exclusions and their failure conditions","Important defects in the posted FAQ","3. Applicable fee bases, limits, adjustments, and credits","Reconciliation of $15, $25, $35, and $60","Income, family units, and cancellation","4. When fees may be requested or received","New Jersey requirements established","Attorney fees","Housing-counseling fee conditions incorporated by New Jersey","Independently applicable federal TSR — common context only","5. Actual regulator procedure, applications, and public lookup","Debt-adjuster licensing","Separate high-cost home-loan counseling registration","Public verification and its limit","6. Worked fee and boundary examples","7. Component coverage and next investigations","B.1. New Jersey legal authorities and adoption chain","B.2. Operational materials, interpretation, courts, and legislative status","B.3. Federal sources used for the limited timing and incorporated-fee analysis","D.1. Plain-text examples","Example 1 — Lower income and an earlier fee","Example 2 — Lower debt does not change the fee denominator","Example 3 — Partial settlement does not restart the monthly cap","Example 4 — Counseling setup plus maintenance","Example 5 — One family client","Example 6 — Ordinary for-profit, noncustodial settlement: classification hold","Example 7 — Midmonth cancellation","Example 8 — HUD intake and default counseling","Example 9 — Federal first-payment condition","D.2. Coverage and exact remaining investigations within PASS-01","Specific failed-source routes preserved","D.3. Required later passes remain open"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","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_NJ/pass-01","facets":{"geography":["us","us-nj"],"debt_type":[],"stage":[],"subject":["fees-outcomes","provider-licensing"]},"scope":"Provider market access and consumer fees only; fullstate remainsrequired","pending_corrections":0},"markdown":"# S_NJ PASS-01 — New Jersey provider market access and consumer fees\n\n**Baseline requested:** October 22, 2026, Pacific.\n**Actual research access/check date:** October 23, 2026, Pacific.\n\n## Principal findings\n\nThe retrieved legal authorities establish a **nonprofit licensing system for ordinary, nonexempt debt adjustment**, administered by the New Jersey Department of Banking and Insurance (DOBI). They do **not** establish an ordinary licensing pathway for a nonexempt for-profit settlement company. Paid negotiation can fall within the Act even when the provider never holds consumer money and collects its compensation only after obtaining a settlement. **[C001–C005]**\n\nThere is a consequential attorney exception: the published May 9, 2025 decision in *Anchor Law Firm, PLLC v. State* invalidated the restriction limiting the exemption to attorneys who were not principally engaged in debt adjustment. The court construed the exemption to cover attorneys **lawfully practicing in New Jersey**, effective immediately, while leaving the remainder of the statute intact. That does not establish an exemption for a nonlawyer company merely because it employs, refers to, or contracts with an attorney. **[C006–C007]** [business.cch.com+1](https://business.cch.com/BFLD/AnchorLawStateNJ%28NJApp%29Op_05092025.pdf?utm_source=chatgpt.com)\n\nFor the licensed nonprofit framework, the verified fee provisions are:\n\n- **Debt adjustment:** no more than **1% of the client’s gross monthly income, capped at $25 in any one month**.\n- **Credit counseling by a licensee:** no more than **$60 in any one month**, including counseling setup and maintenance charges.\n- These are **ceilings**, not authority to collect future fees in advance, charge a separate percentage of savings, or automatically combine the two categories into an $85 monthly allowance. **[C018–C025]** [dspace.njstatelib.org+1](https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com)\n\n**Currentness qualification:** the fee findings rest on actual operative text, the subsequent amendment chain, and the 2022 readoption without change, effective March 30, 2022, with an expiration date of March 30, 2029. A freshly readable 2026 consolidated Chapter 3:25 and official current text of N.J.S.A. 17:16G-2 and -6 were not obtained through the permitted public-web routes. Those retrieval gaps, the blocked live license lookup, and the unverified authoritative later history of *Anchor* remain explicit below. **No newly enacted for-profit licensing reform was verified. [C035, C037–C039]**\n\nFor readability, **C001** below means **S_NJ-P1-C001**, and **S001** means **S_NJ-P1-S001**. The source and claim registers contain the full identifiers.\n\n# A. Substantive answers to the seven scope questions\n\n## 1. What conduct New Jersey classifies as debt adjustment\n\n### The statute uses alternative activity tests\n\nN.J.S.A. **17:16G-1(c)(1)** reaches either:\n\n1. Acting—or offering to act—for consideration as an intermediary between a debtor and creditors to settle, compound, or otherwise alter payment terms; or\n2. Receiving money or property from or for the debtor, for that purpose, to pay or distribute to creditors.\n\nThe second limb is not an additional condition that must accompany the first. Accordingly, **noncustodial negotiation is not excluded merely because the consumer pays creditors directly or uses an independent account**. The 2003 adoption response specifically rejected an attempt to obtain a regulatory distinction that would remove noncustodial settlement from the statutory definition. **[C001–C002; S001 §1(c)(1); S005 pp.1–2]** [173_.DOC+1](https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com)\n\n| Actual activity | Classification for this pass | Important boundary |\n| --- | --- | --- |\n| Negotiating a reduction in principal for compensation | Debt adjustment under the intermediary limb | No consumer-funds custody is necessary. |\n| Negotiating interest reductions, waived charges, extensions, or changed payment terms | Also potentially debt adjustment | Principal forgiveness is not required. |\n| Negotiating or administering a debt management plan (DMP) | Covered when the intermediary or receipt/distribution test is met | Calling the service “credit counseling” does not eliminate the adjustment activity. |\n| Receiving debtor funds for adjustment-related creditor payments | Within the receipt/distribution limb | A licensed custodian also faces the ten-day creditor-disbursement requirement discussed below. |\n| Providing education or advice without performing debt adjustment | Different treatment | DOBI expressly said a nonprofit agency doing counseling alone need not obtain the debt-adjuster license; licensed or license-required entities remain subject to the caps. |\n| Taking a success fee after performance | Still compensation for the intermediary activity | Delayed collection does not itself create an exemption or a for-profit licensing route. |\n| Describing compensation as a required contribution, membership charge, or administrative charge | Classification depends on the actual activity and consideration | No marketing-label safe harbor was established. |\n\nThe last two rows are applications of the statutory activity test, not separate categorical exemptions. **[C002, C013]**\n\n### Consumer versus business purpose\n\nThe statutory definition of **debtor** is an individual, or multiple individuals indebted jointly, severally, or jointly and severally. It does **not expressly limit the debt to personal, family, or household purposes**. Thus, excluding an individual’s debt merely because it financed a business is not supported by the retrieved definition. **[C014; S001 §1(d)]**\n\nAn **entity-only corporate or LLC debtor remains a boundary requiring further investigation**. The statute says “individual,” while the retrieved regulation uses “person.” This pass did not locate a controlling merits decision resolving that difference for an entity-only commercial settlement model. A personal guarantee also prevents treating the matter as necessarily entity-only.\n\nThere is a separate, narrower legal-practice boundary: New Jersey’s Committee on the Unauthorized Practice of Law, Opinion 36, addressed commercial debt-resolution businesses negotiating for business defendants **after suit had been filed**. It found the described conduct unauthorized practice despite success-based compensation and a disclaimer of legal advice. That is not a holding that every corporate debt is covered by the Debt Adjustment and Credit Counseling Act. **[C014–C015; S023, operative discussion and conclusion]** [dspace.njstatelib.org+1](https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com)\n\n### New Jersey residents and remote providers\n\nThe adopted 2009 amendments removed the requirement to maintain a New Jersey office and required licensing of each location from which the provider serves **debtors residing in New Jersey**. An eligible out-of-state nonprofit can therefore use the licensing route; being remote does not eliminate it. **[C016; S007 pp.8–9, §§3:25-2.2(a)13, (b), 2.3(a); S008]**\n\nThe similar remote-provider language proposed in 2003 was **not adopted at that time**. The later 2009 adoption, rather than the withdrawn 2003 provision, supplies the operative amendment relied on here. **[S005 pp.3–6; S008]**\n\n## 2. Which models are prohibited, licensed, registered, or conditionally exempt\n\n### Ordinary licensing route\n\nN.J.S.A. **17:16G-2**, as analyzed in the published *Anchor* opinion, and N.J.A.C. **3:25-2.1(a), 2.2(a)** establish the ordinary route:\n\n- The eligible entity is a qualifying nonprofit social service or nonprofit consumer credit counseling agency.\n- It must obtain the DOBI license **before acting as a debt adjuster**.\n- A nonexempt for-profit operator cannot cure the prohibition simply by submitting the ordinary application.\n\nThe current criminal provision, **N.J.S.A. 2C:21-19(f)**, separately makes acting or offering to act without the license required by the Act, unless exempt, a fourth-degree crime. This pass does not analyze all criminal elements, defenses, or remedies. **[C003–C004]** [dspace.njstatelib.org+2](https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com)\n\nA nonprofit label alone is insufficient. The statutory definition addresses incorporation and distribution of assets, income, and profits. The rules also require a policy-setting board, with **no more than 40%** of its members principally employed by institutions offering credit to the public. Foreign nonprofit incorporation and New Jersey authority documentation are contemplated. DOBI expressly declined in 2008 to adopt a proposed federal tax-exemption-proof condition; federal tax status and New Jersey licensure are distinct questions. **[C005; S001 §1(a); S004 §§2.1(c), 2.2(a)1; S006 pp.3–4, 11]**\n\n### Exclusions and their failure conditions\n\n| Person/model | Permission or exclusion established | Conditions and failure cases | Claims |\n| --- | --- | --- | --- |\n| Attorney lawfully practicing in New Jersey | Excluded under the statute as construed by *Anchor* | The former “principally engaged” restriction was invalidated. Lawful legal practice remains essential. Authoritative later docket history was inaccessible. | C006 |\n| Nonlawyer business with an attorney connection | No exemption established from the connection alone | The entity’s own conduct, ownership/control, legal representation, and fee arrangements matter. *Anchor* did not approve a general attorney-affiliated commercial platform. | C007 |\n| Regular, full-time employee of the debtor | Statutory exclusion | Must be adjusting the employer’s debts. An outside contractor does not satisfy the stated employee condition merely by working closely with the debtor. | C008 |\n| Person acting under a court order/judgment or authority conferred by New Jersey or federal law | Statutory exclusion | Actual applicable authority must be identified. A professional credential or unrelated license is not enough by itself. | C009 |\n| Creditor, or agent of one or more creditors | Statutory exclusion | Adjustment services must be **without cost to the debtor**. A debtor-paid adjustment charge defeats this particular condition. | C010 |\n| Person arranging or making a requested loan and adjusting debts through its proceeds | Statutory exclusion | Debtor request and authorization are required; adjustment must occur through disbursement of loan proceeds; there must be **no compensation for the adjustment services**. This does not say the loan itself must be interest-free. | C011 |\n| Specified HUD/NJHMFA housing-counseling organization | Statutory exclusion | All three requirements: HUD certification under 12 U.S.C. §1701x; participation in an NJHMFA-approved counseling program; **no holding or disbursing debtor funds**. | C012 |\n| Nonprofit providing counseling only, with no debt adjustment | Debt-adjuster license not required under DOBI’s 2008 interpretation | The interpretation is activity-dependent. Negotiating with creditors or receiving adjustment-related funds changes the analysis. | C013 |\n| High-cost home-loan credit counselor | Separate DOBI registration route | Must satisfy the nonprofit, HUD-approval, and non-affiliation requirements. A debt-adjuster licensee also needs this registration for the regulated counseling activity. It is not general debt-settlement permission. | C017 |\n| Bank, credit union, lender, or another licensed institution | No blanket institutional exclusion established by this pass | A specific creditor, loan-disbursement, statutory-authority, or other applicable exclusion must be demonstrated. | C041 |\n\nThe statutory exclusions are in **S001 §1(c)(2)**; the attorney modification is **S003 pp.44–45**. The education-only interpretation is **S006 p.5**. The distinct registration requirements are **S004 §3:25-2.1(b), (d)**. [173_.DOC+3](https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com)\n\n### Important defects in the posted FAQ\n\nThe current-access DOBI FAQ is useful for procedure but is not a complete statement of operative exemptions:\n\n- Its exemption list omits the housing-counselor exclusion enacted in P.L. 2009, c.173, effective January 11, 2010.\n- Its attorney wording predates the 2025 judicial modification.\n- Its statement that HUD approval alone is insufficient should not be mistaken for denial of the **three-condition** statutory exclusion.\n\nThose discrepancies are resolved by the enacted law and the judicial decision, not by treating the FAQ as controlling. **[C006, C012; S015 Questions 3–4]**\n\n## 3. Applicable fee bases, limits, adjustments, and credits\n\n| Structure | Verified numerical or qualitative limit | Treatment of additional charges |\n| --- | --- | --- |\n| Licensed nonprofit debt adjustment | minimum of (0.01 × client gross monthly income) and $25, in any one month | No separate per-creditor or per-settlement reset appears. The adjustment fee may be waived. |\n| Credit counseling by a licensee | **$60 in any one month** | DOBI’s adoption response includes counseling setup and monthly maintenance within this cap. |\n| Principal-reduction, per-debt, or percentage-of-savings fee under the ordinary nonprofit license | No independent allowance established | The debt-adjustment rule uses gross monthly income, not enrolled debt or savings, as its percentage base. |\n| Combined adjustment plus counseling program | Two categories exist, but automatic **$25 + $60 = $85** authorization was not established | Classification of genuinely separate services and allocation of overlapping work remain held. |\n| Lifetime/program aggregate | No separate lifetime dollar or percentage allowance verified | The monthly ceiling does not authorize accelerating future months’ fees or charging an unlimited program fee. |\n| Exempt legal practice | Professional fee rules apply; no debt-specific numerical attorney cap established here | Reasonableness, written fee terms, permissible contingency arrangements, unearned-fee refunds, and any applicable federal timing remain relevant. |\n| Registered high-cost home-loan counseling | Incorporated HUD restrictions; no fixed universal dollar/percentage cap found in the reviewed HUD fee provision | Registration alone does not make the entity a debt-adjuster “licensee” for purposes of automatically applying the $60 provision. |\n| Creditor/agent and loan-disbursement exclusions | The particular exclusions require no debtor cost or no adjustment compensation, respectively | A paid adjustment fee cannot be assumed compatible with those exclusions. |\n\n**[C010–C011, C018–C022, C026–C028, C040]**\n\n### Reconciliation of $15, $25, $35, and $60\n\nThe official legislative-history materials and the 2026 amendatory bill reproduce a statutory **$15** debt-adjustment ceiling accompanied by authority for the Commissioner to provide otherwise by regulation. The actual regulation supplies **$25**. The 2003 response discussed a request to increase the adjustment cap to **$35**, but did not adopt that request. It also rejected a proposed automatic six-month CPI adjustment to the **$60 counseling cap**. **[C021; S012, bill §6; S027 §4; S004 §1.2; S005 pp.3–5]**\n\nThe fee amounts reported here are therefore **not an invented inflation calculation**. The operative-text chain is:\n\n| Instrument | Legal status relevant to this pass |\n| --- | --- |\n| 2003 adoption, R.2003 d.59 | Readoption effective January 7, 2003; amendments effective February 3, 2003; relevant fee interpretations actually read. |\n| 2008 adoption and consolidated chapter | Readoption effective June 23, 2008; amendments effective July 21, 2008; actual fee text read. |\n| 2009 amendments, R.2009 d.322 | Effective October 19, 2009; proposed text adopted without change; did not replace these fee ceilings. |\n| 2015 readoption | Effective May 1, 2015, without amendment. |\n| 2022 readoption | Effective March 30, 2022, without change; new expiration March 30, 2029. |\n| Later DOBI adoption-index check | No later Chapter 3:25 change was located in the index reviewed; this is a bounded search result, not a freshly retrieved 2026 consolidation. |\n\n**[C038; S005–S011]** [nj.gov+2](https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com)\n\n### Income, family units, and cancellation\n\nThe regulation defines **client** as an individual or a group comprising one family unit. Consequently, counting two family members does not automatically double the cap. The retrieved text does not resolve every income question: irregular-income averaging, a nonclient spouse’s income, or a prescribed rounding convention remain unestablished. **[C018]**\n\nNo express general cancellation-proration formula was found in the retrieved chapter. Neither a half-month refund nor full retention follows merely from a midmonth cancellation. Refund entitlement must be tested against performance, the agreement, other applicable law, and any applicable federal or attorney rule. **[C025–C026, C031]**\n\n## 4. When fees may be requested or received\n\n### New Jersey requirements established\n\n**Before services:** N.J.A.C. **3:25-1.2(b)** requires a written statement of fees before any debt-adjustment or counseling service. This is a disclosure deadline, not an express grant of advance-collection authority. **[C023]**\n\n**When handling debtor money:** N.J.S.A. **17:16G-9(a)** and N.J.A.C. **3:25-2.6(a)1** require distribution to creditors within **ten days of receipt**, less permitted fees. DOBI rejected a requested extension because the ten-day requirement came from the statute. A custodial license therefore does not establish permission to warehouse settlement savings indefinitely. The ten-day period is not a rule that a fee becomes earned after ten days. **[C024; S013 §3(a), pp.1–2; S006 pp.8–9]** [pub.njleg.gov+1](https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com)\n\n**State-only advance collection:** the retrieved provisions do not supply a universal settlement/first-payment trigger equivalent to the federal TSR, but their silence does not affirmatively authorize advance settlement fees or prepaid future monthly charges. The exact non-TSR earning and collection point remains held for a specified agreement and service model. **[C025]**\n\n### Attorney fees\n\nThe retrieved Rules of Professional Conduct reprint states:\n\n- RPC **1.5(a):** fees must be reasonable.\n- RPC **1.5(b):** the basis or rate must generally be communicated in writing before or within a reasonable time after representation begins, and changes must be written; the stated exception concerns a new representation for a previous client with the same fee structure.\n- RPC **1.5(c):** a permissible contingent-fee agreement must be written and specify its calculation.\n- RPC **1.16(d):** termination requires return of advance fees not earned or incurred.\n\nThe official current court-hosted rules PDF was blocked. These propositions were read from the rule text in a publisher’s reprint, including the amendment note making the current reproduced §1.5(b) effective April 1, 2025. **No particular attorney success-fee percentage or advance-retainer arrangement is cleared by this pass. [C026]** [gannlaw.com+1](https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com)\n\n### Housing-counseling fee conditions incorporated by New Jersey\n\nN.J.A.C. **3:25-4.2(b)** incorporates HUD Handbook 7610.1 **as amended and supplemented**. The actual current HUD transmittal makes **Revision 7 effective May 1, 2026**, superseding Revision 6-1. The March 2026 footer is not the legal effective date. **[C027; S031–S032]**\n\nThe relevant HUD provisions and **24 C.F.R. §214.313** require reasonable, customary, service-commensurate charges without financial hardship; advance fee disclosure; no client-intake fee; free counseling where the client cannot afford fees; and no duplicate consumer charge for a HUD-funded service. Revision 7 additionally prohibits fees for education or counseling concerning **mortgage delinquency, default, or homelessness**. Credit-report reimbursement is limited to direct cost, with discounts passed through and no hardship. **[C027–C028]** [hud.gov+2](https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com)\n\nNew Jersey separately prohibits another-source fee **for the particular certification** if the borrower pays for it, while preserving other contractual funding arrangements. Certification must follow completion of the required counseling. These provisions do not establish a general advance-fee permission, a cancellation-proration formula, or an automatic combined $85 allowance. **[C028, C040; S004 §§4.1(c), 4.2(b)–(c), 4.4(f)]**\n\n### Independently applicable federal TSR — common context only\n\nWhere the TSR applies, **16 C.F.R. §310.4(a)(5)(i)** prohibits requesting or receiving a debt-relief fee until:\n\n1. At least one debt has been altered pursuant to a valid settlement agreement, DMP, or comparable agreement executed by the customer;\n2. The customer has made at least one payment under that agreement; and\n3. For debts handled individually, the fee satisfies either the enrolled-balance proportional allocation method or a consistent percentage-of-savings method.\n\nThe savings method uses enrollment debt less the amount actually paid to satisfy it. It does not establish a New Jersey-authorized percentage. **[C030, C032]**\n\nSection **310.4(a)(5)(ii)** permits requiring a dedicated account only under its five conditions: insured institution; consumer ownership and accrued interest; independent, unaffiliated administrator; no referral compensation; and withdrawal without penalty, with account funds other than compliant earned fees returned within **seven business days of the request**. **[C031]** [ecfr.gov](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com)\n\nCoverage remains separate: the federal debt-relief definition concerns unsecured debt, and telemarketing jurisdiction and exemptions matter. FTC guidance says bona fide nonprofits are outside the covered for-profit category, while false nonprofit claims do not avoid the rule; attorneys have no blanket TSR exemption. This pass does not assume every New Jersey nonprofit licensee is subject to the TSR. **[C029; S025 §§310.2(o), 310.6; S026 coverage and attorney sections]**\n\n## 5. Actual regulator procedure, applications, and public lookup\n\n### Debt-adjuster licensing\n\nThe actual DOBI debt-adjuster licensing page links main-office and branch applications. The main instructions require nonprofit organizational documentation, foreign-entity authority where applicable, financial statements, leadership information/certifications, insurance information, bond documentation, and a trust-account bank letter. Each relevant service location must be addressed. **[C033; S014, S016 pp.1–3, S017]**\n\nThe main and branch materials identify a **$300 nonrefundable application fee**. This is a provider’s regulatory application charge, not a consumer enrollment-fee allowance. DOBI’s current-access dedicated-funding FAQ identifies the next nonmortgage/non-student-loan license expiration as **June 30, 2027**, with electronic renewal and no renewal fee; assessments and reporting are distinct. **[C034; S018]**\n\nGeneric entity-type boxes appearing in a shared banking form do not override the nonprofit eligibility restriction. No application was filed.\n\n### Separate high-cost home-loan counseling registration\n\nDOBI’s currently accessible forms index links the actual registration packet. It requires organizational and financial documentation, current HUD approval, and personal certifications, and states a **$100 nonrefundable application fee per location**. The packet is marked **revised March 2008** and contains an old New Jersey-office field. The later 2009 rule amendments control the office-location issue; the old form field cannot restore the superseded rule. **[C036; S034–S035]**\n\n### Public verification and its limit\n\nAn actual DOBI consumer page contains a section headed **“DOBI Licensed Debt Adjusters”**, listing organizations, reference numbers, and locations. This is regulator-issued public listing evidence, not a provider’s marketing claim.\n\nThe live-search route did not yield a usable status result:\n\n- https://www.nj.gov/dobi/licenseesearch/licsearch.htm returned a redirect-only page.\n- https://www-dobi.state.nj.us/DOBI_LicSearch/ returned **403 Forbidden**.\n\nThe public list is undated and did not establish current expiration, suspension, or revocation status for a named provider. **No named provider’s present authorization is asserted. [C035]** \n\n## 6. Worked fee and boundary examples\n\nThe complete calculations appear in **D.1**. They cover lower income, lower debt, partial settlement, previous charges, counseling setup charges, family clients, a prohibited ordinary for-profit model, cancellation, HUD fee prohibitions, and federal timing.\n\n## 7. Component coverage and next investigations\n\nThe complete coverage and gap tables appear in **D.2–D.3**. This pass supplies substantial provider-access and fee findings, but **does not close the New Jersey dossier or imply state/A066 acceptance**.\n\n# B. Source register\n\n**All entries were accessed or attempted on October 23, 2026, Pacific.** “Read” means actual document text was retrieved, not merely a search result. Page references are PDF pages unless a printed page is specified. A source ID is reused for that document’s different sections.\n\n## B.1. New Jersey legal authorities and adoption chain\n\n| Source ID | Title / issuer and direct literal URL | Pinpoint, version, effective status, and limitations |\n| --- | --- | --- |\n| **S_NJ-P1-S001** | **P.L. 2009, c.173**, NJ Legislature. [https://pub.njleg.gov/bills/2008/PL09/173_.PDF](https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com) | **Read, NJ enacted law.** §1, p.1: §17:16G-1 definitions/exclusions. §2(f), p.2: criminal cross-reference. §3: immediate effect; approved **Jan.11, 2010**. Attorney wording must be read with S003. [173_.DOC](https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com) |\n| **S_NJ-P1-S002** | **New Jersey Statutes**, Legislature. Read section: [https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com) ; compilation notice: [https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com) | **Read in part.** §2C:21-19(f), lines18–19, actually retrieved. Root states compilation through **P.L.2026 c.50 and J.R.1**. This does not authenticate inaccessible §17:16G-2/-6 or prove absence of later enactments. [lis.njleg.state.nj.us+1](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com) |\n| **S_NJ-P1-S003** | ***Anchor Law Firm, PLLC v. State*, A-0052-23**, NJ Appellate Division. Read court-issued PDF at publisher mirror: [https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf](https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf?utm_source=chatgpt.com) ; official route: [https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf](https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf?utm_source=chatgpt.com) | **Primary judicial text read through mirror.** Published **May9,2025**; pp.9–11 statutory framework; pp.30–38 legal-practice analysis; p.37 n.17 preserves judicial professional regulation; pp.44–45 holding, immediate effect. Official PDF/docket routes blocked; authoritative later history held. [business.cch.com+1](https://business.cch.com/BFLD/AnchorLawStateNJ%28NJApp%29Op_05092025.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S004** | **N.J.A.C. 3:25**, official State Library archival consolidation. [https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download](https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com) | **Read, historical consolidation, Supp.7-21-08.** §1.1 printed25-1–2; §1.2 and §2.1 printed25-3; §2.6 printed25-6; §§4.1–4.6 printed25-7–10. Use with later amendments/readoptions, not as a stand-alone 2026 edition. Current linked code route [https://www.lexisnexis.com/hottopics/njcode/](https://www.lexisnexis.com/hottopics/njcode/?utm_source=chatgpt.com) did not render operative text. [dspace.njstatelib.org+1](https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com) |\n| **S_NJ-P1-S005** | **R.2003 d.59, Debt Adjustment and Credit Counseling**, DOBI final adoption. [https://www.nj.gov/dobi/proposed/ad010703.pdf](https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com) | **Read, adopted despite /proposed/ URL.** p.1 effective dates; p.2 noncustodial-definition response; p.3 setup/maintenance and CPI; pp.4–5 proposed $35; pp.5–6 remote subsection not adopted. Readoption **Jan7,2003**; amendments **Feb3,2003**. [nj.gov](https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S006** | **R.2008 d.203, Chapter 3:25 readoption with amendments**, DOBI. [https://www.nj.gov/dobi/proposed/re080721_2.pdf](https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com) | **Read, final adoption.** pp.3–4 federal-tax-status distinction; p.5 counseling-only/cap scope; pp.8–9 ten-day response; pp.11–12 operative amendments. Readoption **June23,2008**; amendments **July21,2008**. [nj.gov+1](https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S007** | **2009 Chapter 3:25 proposed amendments**, DOBI. [https://www.nj.gov/dobi/proposed/prn09_167.pdf](https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com) | **Full amendment text read.** pp.8–9: §§2.2(a)13, (b), (g), 2.3(a); later pages bond and counseling amendments. Originally proposed; its text acquired adopted status through S008’s adoption without change. [FOS09-06 rev.doc](https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S008** | **R.2009 d.322 final adoption**, DOBI. [https://www.nj.gov/dobi/proposed/aa091019.pdf](https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com) | **Read.** p.1 identifies adoption without change and **Oct19,2009** effective date; responses explain removal of the New Jersey-office requirement. Authenticates S007’s operative amendments. [fos09-re1.doc](https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S009** | **2015 Notice of Readoption, N.J.A.C.3:25**, DOBI. [https://www.nj.gov/dobi/proposed/rea150601.pdf](https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com) | **Read, 2pp.** Effective **May1,2015**; without amendment; expiration **May1,2022**. June1 publication is not the effective date. [nj.gov](https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S010** | **54 N.J.R.779(b), 2022 Notice of Readoption**, DOBI. [https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf](https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com) | **Read, banking notice on p.1.** Effective **Mar30,2022**; without change; expiration **Mar30,2029**. Published May2,2022. [nj.gov](https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S011** | **Adopted Rules index**, DOBI. [https://www.nj.gov/dobi/adopt.htm](https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com) | **Read as currentness support.** Later entries checked; no later Chapter3:25 amendment located. An agency index is not a substitute for a complete current consolidated chapter. [Rule Adoptions](https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com) |\n| **S_NJ-P1-S012** | **Legislative history of P.L.1986 c.184**, NJ State Library. [https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download](https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com) | **Read as history, not authenticated enrolled law.** 13pp; checklist p.1; S195 pp.2–6, including licensing and fee language; other bill/committee materials follow. Checklist identifies Dec10,1986 approval. Amendment-checkbox image could not be visually verified. [repo.njstatelib.org](https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com) |\n| **S_NJ-P1-S013** | **P.L.2005 c.287**, NJ Legislature. [https://pub.njleg.gov/bills/2004/PL05/287_.PDF](https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com) | **Read enacted text.** §3, pp.1–2 enacts §17:16G-9; subsection(a) ten-day disbursement. Approved Jan9,2006; effective **Apr9,2006**, also confirmed by S006. Other provisions were subsequently amended and are not all treated as current. [pub.njleg.gov](https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com) |\n\n## B.2. Operational materials, interpretation, courts, and legislative status\n\n| Source ID | Title / issuer and direct literal URL | Pinpoint, version, effective status, and limitations |\n| --- | --- | --- |\n| **S_NJ-P1-S014** | **Debt Adjuster License**, DOBI. [https://www.nj.gov/dobi/banklicensing/debtadjuster.html](https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com) | **Read operational page.** Actual main/branch application links and licensing category. Supports procedure, not statutory eligibility by itself. [Debt Adjuster License](https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com) |\n| **S_NJ-P1-S015** | **Debt Adjuster FAQs**, DOBI. [https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html](https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com) | **Read.** Questions2–4 address licensing/exemptions; older renewal examples also appear. Exemption list is incomplete against S001 and outdated against S003. [Debt Adjuster License FAQs](https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com) |\n| **S_NJ-P1-S016** | **Debt-adjuster main application/instructions**, DOBI. [https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf](https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com) | **Read current-linked packet, 10pp.** Instructions pp.1–3; $300 nonprofit application fee p.2. Shared banking-form fields do not expand eligibility. Packet is procedural evidence. [~9958551.doc+1](https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S017** | **Debt-adjuster branch application**, DOBI. [https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf](https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com) | **Read current-linked packet, 3pp.** Branch instructions/application and $300 fee. No filing or authorization determination made. [nj.gov](https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S018** | **Dedicated Funding FAQs—Debt Adjuster**, DOBI. [https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm](https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com) | **Read operational text.** 2026 reporting information; “Additional License Specific Information”: June30,2027 expiration, electronic/no-fee renewal, $300 new-application fee. Administrative dates are not consumer-fee effective dates. [Dedicated Funding FAQs - Debt Adjuster+1](https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com) |\n| **S_NJ-P1-S019** | **Financial Counseling Organizations**, DOBI. [https://www.nj.gov/dobi/division_consumers/finance/counselors.html](https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com) | **Read actual listing.** “DOBI Licensed Debt Adjusters,” starting at text line115, lists reference numbers and locations. Undated; not a live disciplinary/expiration-status certification. [nj.gov](https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com) |\n| **S_NJ-P1-S020** | **DOBI public license-search service**. [https://www.nj.gov/dobi/licenseesearch/licsearch.htm](https://www.nj.gov/dobi/licenseesearch/licsearch.htm?utm_source=chatgpt.com) ; [https://www-dobi.state.nj.us/DOBI_LicSearch/](https://www-dobi.state.nj.us/DOBI_LicSearch/) | **Attempted, not substantively read.** First route redirect-only; destination403. No named-provider current status established. Exact next action: obtain a readable public result for the legal entity and service location when the ordinary public route works. |\n| **S_NJ-P1-S021** | **Bulletin08-13**, DOBI. [https://www.nj.gov/dobi/bulletins/blt08_13.pdf](https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com) | **Read historical agency interpretation, July28,2008, 2pp.** Activity definition and New Jersey-resident reach. Later statutory/judicial changes govern exemptions. [nj.gov](https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S022** | **Bulletin08-27**, DOBI. [https://www.nj.gov/dobi/bulletins/blt08_27.pdf](https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com) | **Read historical agency interpretation, Dec19,2008, p.1.** Secured/unsecured debt and mortgage-modification labeling. Does not close the later mortgage-sector pass or supply a current exemption list. [nj.gov](https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S023** | **UPL Committee Opinion36, Providing Debt Resolution Services to Litigants**, Jan15,2001. Primary text reproduced at [https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html](https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com) | **Read reproduced committee opinion.** Facts and operative conclusion concern nonlawyers negotiating for sued business debtors. Not a general holding resolving DACCA coverage of all corporate debt. [law.justia.com](https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com) |\n| **S_NJ-P1-S024** | **NJ Rules of Professional Conduct**, publisher’s rule-text reprint. [https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf](https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com) ; official attempted route [https://www.njcourts.gov/sites/default/files/rpc.pdf](https://www.njcourts.gov/sites/default/files/rpc.pdf) | **Relevant rule text read through reprint.** RPC1.5 PDFp.5;1.16(d) p.13;5.4 pp.20–21. §1.5(b) amendment note: effective Apr1,2025. Official PDF403; complete official currentness held. [gannlaw.com+1](https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S027** | **A3489, 2026 introduced text**, NJ Legislature. [https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com) ; status route [https://www.njleg.state.nj.us/bill-search/2026/A3489](https://www.njleg.state.nj.us/bill-search/2026/A3489?utm_source=chatgpt.com) | **Bill text read; status route navigation-only.** §§1–4 proposed for-profit eligibility/fees; §7 proposed effect on180th day after enactment. Header says introduced/pending technical review. **Not treated as enacted or future-effective law.** [pub.njleg.gov+1](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com) |\n| **S_NJ-P1-S028** | **Governor’s Jan16,2024 legislative-action release**, archived by NJ State Library in another chapter’s history packet. [https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download](https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com) | **Archived primary release read.** PDFpp.19–21; p.21 lists **S2989/A1739** among pocket vetoes. The enclosing P.L.2023 c.270 packet is not itself a debt-adjuster reform enactment. [repo.njstatelib.org](https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com) |\n| **S_NJ-P1-S029** | **Governor Murphy Takes Action on Legislation**, Jan20,2026 release reproduced by InsiderNJ. [https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/](https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com) | **Reproduced release body read.** Pocket-veto list includes **S1310/A4598**, text lines178–182. Original official release/action record was not successfully read; provenance/current-status qualification retained. [Insider NJ](https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com) |\n| **S_NJ-P1-S030** | **Official downloadable-statutes index**, NJ Legislature. [https://pub.njleg.gov/statutes/](https://pub.njleg.gov/statutes/?utm_source=chatgpt.com) ; archive [https://pub.njleg.gov/statutes/STATUTES-TEXT.zip](https://pub.njleg.gov/statutes/STATUTES-TEXT.zip) | **Index read; archive not read.** Root check listed archive dated **Oct22,2026**. Public-web opening returned unsupported ZIP content type. Title17 table route [https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29](https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29) also failed. Exact next source: official archive’s §17:16G-2/-6 text. |\n| **S_NJ-P1-S034** | **High-cost home-loan credit-counseling registration packet**, DOBI. [https://www.nj.gov/dobi/banklicensing/highcostapp.pdf](https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com) | **Read, 4pp.** p.1 instructions1–11, including HUD approval and $100/location; p.2 registration form. Marked **3/08**. Currently linked but contains pre-2009 office wording; later rule controls. [nj.gov](https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S035** | **Industry Forms and Applications**, DOBI. [https://www.nj.gov/dobi/formlist.htm](https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com) | **Relevant operational section read.** Banking licensing section, text lines15–28, currently links debt-adjuster and high-cost counselor packets. Used to establish the public application route, not legal permission. [Industry Forms and Applications](https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com) |\n\n## B.3. Federal sources used for the limited timing and incorporated-fee analysis\n\n| Source ID | Title / issuer and direct literal URL | Pinpoint, version, effective status, and limitations |\n| --- | --- | --- |\n| **S_NJ-P1-S025** | **16 C.F.R. Part310**, FTC/eCFR. [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com) ; [https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com) | **Relevant operative text read.** §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E);310.2(o);310.6 exemptions. Displayed current through **Oct21,2026**. eCFR is authoritative but unofficial. Federal common context; not New Jersey market permission. [ecfr.gov+2](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com) |\n| **S_NJ-P1-S026** | **Debt Relief Services & the TSR: A Guide for Business**, FTC. [https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) | **Relevant guide passages read.** Coverage/nonprofit discussion, attorney question, collecting-fees section. Staff guidance supports scope interpretation; exact operative timing comes from S025. [Federal Trade Commission+1](https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com) |\n| **S_NJ-P1-S031** | **HUD Housing Counseling Program Handbook7610.1 REV-7**. [https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf](https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com) | **Relevant sections read, not all180pp.** §3-9 p.37; §§7-3–7-6 pp.79–82; especially §7-5 fee conditions. Footer03/2026; effective date established by S032. Incorporated by NJ§3:25-4.2(b). [hud.gov+1](https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S032** | **HUD Handbook7610.1 REV-7 transmittal**. [https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf](https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com) | **Entire4pp read.** p.1 and pp.3–4: effective **May1,2026**, supersedesREV6-1. Does not establish New Jersey licensure. [hud.gov](https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com) |\n| **S_NJ-P1-S033** | **24 C.F.R. §214.313, Housing counseling fees**, HUD/eCFR. [https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313](https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com) | **Entire§(a)–(e) read.** Reasonableness, disclosure, intake, hardship, duplicate funding, credit-report cost/discounts, lender payments. Displayed current through **Oct21,2026**; no fixed dollar ceiling in this section. [ecfr.gov](https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com) |\n\n# C. Claim register\n\n**Confidence labels:** “High” means the identified text or holding was actually read. “Qualified” identifies an interpretation, publication/currentness limitation, or unresolved factual condition. “Held” means the particular permission, amount, or timing conclusion is not established. All current-law conclusions remain subject to the specific retrieval limits in C037–C039.\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, exceptions, currentness, confidence |\n| --- | --- | --- | --- |\n| **S_NJ-P1-C001** | Paid intermediary activity/offers and adjustment-related receipt/distribution are alternative statutory routes to coverage. | S001 §1(c)(1); S004 §1.1 | **High text.** Noncustody alone does not remove the intermediary limb. |\n| **S_NJ-P1-C002** | Principal reduction, payment concessions, and qualifying DMP work can all be debt adjustment; a contingent fee or label change does not itself remove coverage. | S001 §1(c)(1); S005 pp.1–2; S021 pp.1–2 | **High core; qualified application.** Actual services and consideration control. |\n| **S_NJ-P1-C003** | Ordinary nonexempt adjustment is restricted to licensed qualifying nonprofits; no ordinary for-profit licensing route was established. | S003 pp.9–11; S004 §§2.1(a),2.2(a); S006 pp.1–2 | **High retrieved scheme; currency qualified by C037/C039.** Statutory exclusions and *Anchor* remain separate. |\n| **S_NJ-P1-C004** | Acting or offering to act without a required license, unless exempt under the Act, is classified as a fourth-degree crime. | S002 §2C:21-19(f); S001 §2(f) | **High.** Full criminal liability/remedies analysis deferred. |\n| **S_NJ-P1-C005** | Nonprofit incorporation/non-inurement and licensing matter; creditor-employer board representation is capped at40%; federal tax exemption was not adopted as a separate proof condition in2008. | S001 §1(a); S004 §§2.1(c),2.2(a)1; S006 pp.3–4,11 | **High.** A nonprofit or IRS label alone does not establish authorization. |\n| **S_NJ-P1-C006** | *Anchor* invalidated the “principally engaged” limitation and construed a total exemption for attorneys lawfully practicing in NJ, effective immediately. | S003 pp.44–45 | **High holding; later-history qualified.** Rest of Act intact; official subsequent docket unread. |\n| **S_NJ-P1-C007** | An attorney connection alone does not establish the nonlawyer entity’s exemption; judicial professional oversight remains. | S003 pp.30–38,44–45; S024 RPC5.4 | **Qualified application.** No particular affiliation/ownership/fee-sharing arrangement approved. |\n| **S_NJ-P1-C008** | Regular full-time employees adjusting their employer’s debts are excluded. | S001 §1(c)(2)(b) | **High.** Employee and employer-debt conditions must both hold. |\n| **S_NJ-P1-C009** | Court-authorized or otherwise legally authorized adjustment is excluded only where the applicable order/judgment/law supplies authority. | S001 §1(c)(2)(c) | **High text; fact-dependent.** No unrelated-license safe harbor inferred. |\n| **S_NJ-P1-C010** | A creditor or creditor agent exclusion requires adjustment services without cost to the debtor. | S001 §1(c)(2)(d) | **High.** This does not authorize a separate debtor-paid adjustment fee. |\n| **S_NJ-P1-C011** | The loan-disbursement exclusion requires debtor request/authorization and no adjustment-service compensation. | S001 §1(c)(2)(e) | **High.** It is not a general exemption for paid debt negotiators or a requirement of interest-free lending. |\n| **S_NJ-P1-C012** | HUD certification, NJHMFA-program participation, and no debtor-fund holding/disbursement are cumulative housing-organization exclusion conditions. | S001 §1(c)(2)(f); S015 Q3–4 | **High statutory text.** FAQ omission does not repeal the exclusion. |\n| **S_NJ-P1-C013** | DOBI says counseling-only nonprofits need no debt-adjuster license; caps bind entities licensed or required to be licensed. | S006 p.5; S004 §2.1(a),2008 annotation | **High agency interpretation.** Not a blanket clearance of all education, credit-repair, lead-generation, or legal-advice models. |\n| **S_NJ-P1-C014** | Statutory debtor definition lacks an express consumer-purpose limitation; entity-only corporate coverage is unresolved against the regulation’s different wording. | S001 §1(d); S004 §1.1 | **Qualified inference / held entity boundary.** Individual business debts are not automatically excluded. |\n| **S_NJ-P1-C015** | Opinion36 found the described nonlawyer commercial debt-resolution services for litigants unauthorized practice. | S023 facts and concluding paragraphs | **High bounded opinion.** Not a universal corporate-debt/DACCA holding. |\n| **S_NJ-P1-C016** | The2009 amendments permit remote eligible providers while requiring licensing/registration of locations serving NJ-resident debtors. | S007 pp.8–9, §§2.2,2.3; S008 | **High adopted text.** Does not clear all foreign-country, choice-of-law, or other-jurisdiction issues. |\n| **S_NJ-P1-C017** | High-cost home-loan counseling uses separate registration, including nonprofit/HUD/non-affiliation conditions; an adjustment license alone is insufficient for that certification activity. | S004 §2.1(b),(d),§2.2(e)–(h) | **High rule.** Registration is not general settlement authorization. |\n| **S_NJ-P1-C018** | Adjustment-fee base is client gross monthly income; a client may be a single family unit. | S004 §1.1,§1.2(a)1 | **High text.** Irregular income, nonclient-spouse income, month conventions, and rounding are not resolved. |\n| **S_NJ-P1-C019** | Licensed nonprofit adjustment fees cannot exceed1% of gross monthly client income or$25 in one month; waiver is discretionary. | S004 §1.2(a)1; S010 | **High text/readoption chain.** Numerical ceiling does not establish earning or collection date. |\n| **S_NJ-P1-C020** | Licensee counseling fees cannot exceed$60 in one month, including counseling setup and maintenance. | S004 §1.2(a)2; S005 p.3 | **High.** Not a separate$60 adjustment enrollment allowance. |\n| **S_NJ-P1-C021** | The historical$15 statute permits regulatory variation; the read rule is$25. A$35 request and automatic CPI mechanism were not adopted in the2003 response. | S012 bill§6; S027 §4; S004 §1.2; S005 pp.3–5 | **High regulation/history; official current§6 retrieval held.** No invented indexed amount. |\n| **S_NJ-P1-C022** | No separate per-debt/savings/program fee allowance or automatic$85 combined charge was established. | S004 §1.2; S005 p.3; S006 p.5 | **Qualified negative finding.** Monthly category maxima do not reset per creditor; allocation of genuine separate services remains held. |\n| **S_NJ-P1-C023** | A written fee statement must precede any licensee adjustment or counseling service. | S004 §1.2(b) | **High.** Disclosure timing does not affirmatively authorize advance receipt. |\n| **S_NJ-P1-C024** | Licensees must disburse received debtor funds to creditors within10days, less permitted fees. | S013 §3(a); S004 §2.6(a)1; S006 pp.8–9 | **High.** Not a fee-earning clock or general settlement-savings custody authorization. |\n| **S_NJ-P1-C025** | A universal state-only advance-fee trigger and cancellation-proration formula were not established. | S004 §§1.2,2.6 and full retrieved chapter; S013 §3 | **Held.** Absence of a formula proves neither advance permission nor full retention. |\n| **S_NJ-P1-C026** | Exempt legal fees remain subject to reasonable-fee, written-term, permissible-contingency, and unearned-advance refund requirements. | S024 RPC1.5(a)–(c),1.16(d); S003 p.37n.17 | **Qualified by official-current-rules retrieval gap.** No debt-specific percentage or advance arrangement approved. |\n| **S_NJ-P1-C027** | Incorporated HUD fee rules require reasonable/service-related/no-hardship charges and prohibit intake and specified delinquency/default/homelessness counseling fees. | S004 §4.2(b); S031 §7-5 pp.80–82; S032; S033(a)–(c) | **High relevant text.** REV7 effectiveMay1,2026. Inability to pay requires free counseling;≤200%FPL calls for considering waiver/reduction, not a computed NJ fee ceiling. |\n| **S_NJ-P1-C028** | HUD-funded services cannot be double-charged; credit-report discounts pass through; NJ bars a second-source fee for a borrower-paid particular certification. | S033(c)–(e); S031 §7-5; S004 §4.2(c) | **High.** General contractual funding is not categorically prohibited; full conflict/sector analysis remains open. |\n| **S_NJ-P1-C029** | TSR applicability requires its own coverage analysis; attorneys lack a blanket exemption, and bona fide nonprofit treatment differs. | S025 §§310.2(o),310.6; S026 coverage/attorney sections | **High rule/guidance; model-specific application qualified.** Federal context only. |\n| **S_NJ-P1-C030** | Covered debt-relief fees require an executed debt modification agreement, first customer payment, and compliant individual-debt fee allocation. | S025 §310.4(a)(5)(i)(A)–(C) | **High.** State ceiling or exemption does not replace these federal conditions. |\n| **S_NJ-P1-C031** | The dedicated-account exception requires all five conditions and seven-business-day return of funds other than compliant earned fees after withdrawal request. | S025 §310.4(a)(5)(ii)(A)–(E) | **High.** Consumer-owned account deposits are distinguished from provider fee receipt. |\n| **S_NJ-P1-C032** | Federal compliance supplies neither a NJ license nor permission to exceed an applicable NJ fee cap. | S001; S003; S004 §§1.2,2.1; S025 §310.4(a)(5) | **High combined legal distinction.** Separate state and federal tests must both be satisfied when applicable. |\n| **S_NJ-P1-C033** | Actual DOBI application instructions require nonprofit/financial/leadership and related licensing documentation; relevant locations must be licensed. | S016 pp.1–3; S017; S007–S008 | **High procedure.** Submission or generic form boxes do not establish eligibility or issuance. |\n| **S_NJ-P1-C034** | Posted new debt-adjuster application fee is$300 nonrefundable; current renewal information identifiesJune30,2027 and no renewal fee. | S016 p.2; S017; S018 renewal/new-application questions | **High operational finding.** Provider regulatory charges, not consumer fee allowances; assessments separate. |\n| **S_NJ-P1-C035** | An official public list exists, but a usable live-status lookup was blocked and no named provider was verified. | S019 listing section; S020 failed routes | **High evidence-limit finding.** List entries are not current status certifications. |\n| **S_NJ-P1-C036** | A currently linked HCHL registration packet states$100/location and HUD documentation, but retains2008 wording. | S034 p.1items3,7,9,11; p.2; S035 | **High posted procedure; dated-form qualification.**2009 adopted location rules govern. |\n| **S_NJ-P1-C037** | Official current§17:16G-2/-6 and authentic1986 enrolled text were not successfully retrieved. | S002; S012; S030 | **Held authentication gap.** Published judicial analysis and operative rules support the central licensing/fee findings; prefiled history text is not mislabeled enacted law. |\n| **S_NJ-P1-C038** | Chapter3:25 was readopted without change effectiveMar30,2022 throughMar30,2029; no later change was located in the checked index. | S009–S011 | **High readoption; bounded later search.** No claim of a freshly retrieved2026 consolidated chapter. |\n| **S_NJ-P1-C039** | Prior reform materials do not establish present for-profit permission:2024 veto documented;2026 veto reported in reproduced release;A3489 read only as introduced text. | S028 p.21; S029 pocket-veto list; S027 §§1–4,7 | **Mixed confidence.** Official2026 action history remains held; no enacted/future-effective reform assumed. |\n| **S_NJ-P1-C040** | Registered-only HCHL status does not automatically trigger the licensee$60 cap; incorporated fee restrictions and actual licensing status must be distinguished. | S004 §§1.2,2.1(b),4.2; S031–S033 | **Qualified interpretation.** Dual-status/overlapping-service allocation and automatic stacking remain held. |\n| **S_NJ-P1-C041** | The retrieved Act’s exclusions do not provide a blanket bank/credit-union/other-financial-license exemption. | S001 §1(c)(2); S004 §1.1 | **High list; qualified application.** Specific institutional authority or activity-based exclusion still requires proof. |\n\n# D. Worked examples and coverage/gap tables\n\n## D.1. Plain-text examples\n\n**Common assumptions for Examples 1–5:** a genuinely eligible, duly licensed nonprofit provides the stated service; client identity and gross monthly income are stipulated; the fee was properly disclosed; any independent collection-timing requirement is satisfied. The outputs are numerical ceilings, not determinations that a fee has been earned. Charges described as occurring in the same month are assumed to fall within the same month for the rule. No unverified rounding or income-averaging rule is used.\n\n### Example 1 — Lower income and an earlier fee\n\nPlain text\n```\nInputs: gross monthly client income = $1,200; adjustment fees already charged that month = $10.\nBase: $1,200 gross monthly income.\nOperator: 1%, then the $25 ceiling, then subtract previous adjustment fees.\nIntermediate: $1,200 × 0.01 = $12; minimum($12, $25) = $12.\nResult: $12 − $10 = $2 maximum remaining numerical headroom.\nUnits: US dollars per client for the same month.\nRounding: none; all results are exact.\n```\n\nA second invoice cannot disregard the earlier $10. **[C018–C019, C022]**\n\n### Example 2 — Lower debt does not change the fee denominator\n\nPlain text\n```\nInputs: gross monthly income = $4,000; debt = $900; settlement payment = $600.\nBase: gross monthly income, not the $900 debt or $300 savings.\nOperator: minimum(1% × income, $25).\nIntermediate: $4,000 × 0.01 = $40; savings = $900 − $600 = $300.\nResult: adjustment-fee ceiling = minimum($40, $25) = $25 for the month.\nUnits: US dollars per client per month.\nRounding: none.\n```\n\nThe savings calculation does not create a percentage-of-savings allowance. **[C019, C022]**\n\n### Example 3 — Partial settlement does not restart the monthly cap\n\nPlain text\n```\nInputs: gross monthly income = $2,000.\nEnrolled debts: Debt A = $4,000; Debt B = $6,000.\nOnly Debt A has been settled; previous adjustment fees that month = $15.\nBase: $2,000 gross monthly income.\nOperator: minimum(1% × income, $25), less previous fees.\nIntermediate: $2,000 × 0.01 = $20; minimum($20, $25) = $20.\nResult: $20 − $15 = $5 remaining monthly headroom.\nUnits: US dollars for the client/month, not dollars per settled debt.\nRounding: none.\n```\n\nSettlement of Debt B later in the same month would not create another $20 ceiling. Federal timing, if independently applicable, must also be met. **[C019, C022, C030]**\n\n### Example 4 — Counseling setup plus maintenance\n\nPlain text\n```\nInputs: actual counseling setup charge = $45; counseling maintenance charge = $30.\nBase: total counseling charges in the same month.\nOperator: addition, compared with the $60 monthly cap.\nIntermediate: $45 + $30 = $75.\nResult: $75 − $60 = $15 above the cap.\nAfter the $45 charge, only $60 − $45 = $15 remains within the numerical ceiling.\nUnits: US dollars per client/month.\nRounding: none.\n```\n\nThis is not a $60 allowance plus an additional setup fee. The exact remedy for an already collected excess is a separate issue. **[C020, C025]**\n\n### Example 5 — One family client\n\nPlain text\n```\nInputs: two people form one client family unit.\nTheir stipulated gross monthly client income = $3,000.\nBase: the single client unit's stipulated income.\nOperator: minimum(1% × $3,000, $25).\nIntermediate: $3,000 × 0.01 = $30.\nResult: $25 maximum for that client unit/month, not $25 × 2 = $50.\nUnits: US dollars per family client/month.\nRounding: none.\n```\n\nThis example does not decide whether a nonclient spouse’s income belongs in the base. **[C018–C019]**\n\n### Example 6 — Ordinary for-profit, noncustodial settlement: classification hold\n\nPlain text\n```\nInputs: nonexempt for-profit provider; debt = $10,000.\nProvider negotiates settlement for $6,000 and proposes 20% of savings.\nThe consumer pays the creditor directly.\nArithmetic base: $10,000 − $6,000 = $4,000 savings.\nArithmetic operator: $4,000 × 0.20.\nArithmetic result: $800.\nLegal result: $800 is not an established lawful NJ fee.\nReason: paid intermediary activity is covered, and the ordinary for-profit licensing pathway was not established.\nUnits: US dollars; arithmetic rounding none.\n```\n\nWaiting until settlement or first payment does not cure the state eligibility problem. **[C001–C003, C032]**\n\n### Example 7 — Midmonth cancellation\n\nPlain text\n```\nInputs: gross monthly income = $2,000; $20 adjustment fee paid.\nClient cancels halfway through the month.\nCap calculation: minimum($2,000 × 0.01, $25) = $20.\nProposed proration calculation: $20 × 1/2 = $10.\nLegal refund result: HELD.\n```\n\nThe cap calculation is verified; the one-half refund operator is not. Neither a mandatory $10 refund nor permission to retain the full $20 was established from the reviewed state provisions. Applicable contract/performance rules, RPC requirements for a lawyer, or TSR account-return rules require separate application. **[C025–C026, C031]**\n\n### Example 8 — HUD intake and default counseling\n\nPlain text\n```\nInputs: participating housing-counseling agency meeting the relevant NJ conditions.\nProposed intake fee = $35.\nProposed mortgage-default counseling fee = $80.\nOperator: apply the applicable fee prohibitions to each service.\nIntermediate: allowable intake charge = $0; allowable default-counseling charge = $0.\nResult: $0 + $0 = $0 for those two service charges.\nUnits: US dollars.\nRounding: none.\n```\n\nNo credit-report reimbursement or different separately permitted service is assumed. The ordinary $60 counseling ceiling does not override these prohibitions. **[C027–C028, C040]**\n\n### Example 9 — Federal first-payment condition\n\nPlain text\n```\nInputs: an otherwise lawful NJ legal-practice model; TSR coverage is stipulated.\nAn otherwise valid $100 fee is proposed.\nA valid settlement agreement is executed, but the customer has made zero payments under it.\nOperator: agreement condition AND first-payment condition.\nIntermediate: true AND false = false.\nResult: $0 may be requested or received now under the TSR debt-relief fee rule.\nUnits: US dollars at this stage.\nRounding: not applicable.\n```\n\nThis tests federal timing only. It does not adjudicate the $100 fee’s reasonableness or approve an attorney-affiliation arrangement. **[C006, C026, C029–C032]**\n\n## D.2. Coverage and exact remaining investigations within PASS-01\n\n| Component | Status | Claims | Exact missing evidence / next investigation |\n| --- | --- | --- | --- |\n| Principal reduction versus concessions/DMP | **Answered** | C001–C002 | Apply the verified activity test to a specified service flow if one is later supplied. |\n| Custodial versus noncustodial coverage | **Answered for classification; partial for custody design** | C001,C024 | Later funds pass must test account ownership/control, receipt, disbursement, and recordkeeping for the actual architecture. |\n| Ordinary nonprofit versus for-profit access | **Answered under retrieved scheme; current statutory authentication gap** | C003–C005,C037,C039 | Retrieve official current§17:16G-2/-6 from the Legislature’s text archive or readable section gateway; complete official2026 legislative history. |\n| Attorney exemption | **Answered holding; later history unresolved** | C006–C007 | Obtain an authoritative post-May9,2025 appellate/Supreme Court docket record, including any stay, certification, reversal, or later order. |\n| Nonprofit/entity eligibility | **Answered core conditions** | C005 | Named entity verification would require actual incorporation, governance, license, and location evidence; none was undertaken. |\n| Employee, court/law, creditor, loan exclusions | **Answered statutory conditions** | C008–C011 | Any claimed exemption needs the actual employment, order, statutory authority, creditor relationship, or loan-disbursement facts. |\n| HUD/NJHMFA exclusion | **Answered statutory conditions** | C012 | Verify actual HUD status, NJHMFA-approved participation, and no holding/disbursement for a named organization. |\n| Education-only model | **Answered narrow nonprofit interpretation; other hybrids partial** | C013 | Identify actual creditor communications, compensation, legal advice, credit-repair claims, and referral functions before classifying a hybrid. |\n| Individual business-purpose and entity-only debt | **Partial / entity boundary held** | C014–C015 | Locate controlling interpretation reconciling statutory “individual” with regulatory “person”; distinguish corporate-only obligations from individual guarantees. |\n| Remote-provider resident nexus | **Answered for adopted NJ-resident/location rule** | C016 | Foreign-country operations, conflicts of law, and additional jurisdictions remain unreviewed. |\n| Ordinary numerical consumer fee caps | **Answered through operative/readoption chain** | C018–C021,C038 | Retrieve current consolidated Chapter3:25 and verify any later adopted amendment or fee notice; no CPI amount to compute. |\n| Income composition, month convention, rounding | **Partial** | C018 | Find a published DOBI interpretation or controlling case addressing irregular income, nonclient spouses, billing-period boundaries, and fractional cents. |\n| Setup/per-debt/savings fees and $85 combination | **Partial; automatic additions held** | C020–C022,C040 | Find authoritative allocation guidance for genuine separate counseling and adjustment services; do not assume a bundled entitlement. |\n| State request/receipt trigger | **Partial** | C023–C025 | Test a concrete agreement and service-performance sequence against current state law and controlling interpretations; no universal advance-fee permission established. |\n| Cancellation, retention, refund, credit | **Partial / exact state formula held** | C025–C026,C031 | Complete agreement/performance, consumer-protection, refund, and attorney-fee authorities; distinguish consumer-owned account returns from fee refunds. |\n| Incorporated housing-counseling fees | **Answered relevant fee clauses; broader sector open** | C027–C028,C040 | Complete high-cost-loan statutory triggers, current loan-classification thresholds, conflicts, HECM exceptions, and certification/registration details in the sector pass. |\n| Federal TSR timing | **Answered as conditional common context** | C029–C032 | Determine actual telemarketing, entity, transaction, and exemption facts before applying it to a provider. |\n| Current public application procedure | **Answered, with dated-form qualifications** | C033–C034,C036 | Reconcile any future filing-specific procedural changes through readable official instructions; no filing requested or performed. |\n| Named-provider public status | **Unresolved / not asserted** | C035 | Reopen ordinary live DOBI search when accessible; match legal entity, reference number, licensed location, license type, current term, and disciplinary status. |\n| Current enacted reform status | **Partial** | C037–C039 | Read official S1310/A4598 final action and full2026 A3489 history/enrolled-law records; the current official bill-status route rendered navigation only. |\n| Worked calculations | **Answered within stated assumptions** | C018–C032,C040 | No arithmetic is used to supply missing permission, timing, income, or refund law. |\n\n### Specific failed-source routes preserved\n\n- **Current Title17 / amendment table:** the Legislature’s gateway route did not render the needed text.\n- **Official statutory ZIP:** the public index was readable, but opening the archive returned **unsupported application/x-zip-compressed**.\n- **1986 enrolled chapter:** the accessible State Library packet was legislative history; the annual1986 session-law PDF lead failed with a retrieval error. The next source is the annual session-law volume at **Chapter184**, or the official current statutory text archive.\n- **Current consolidated administrative code:** the agency-linked Lexis route produced no operative chapter text.\n- **Official *Anchor* opinion/docket and RPC PDF:** court-hosted routes returned **403**; reproduced primary texts were used with stated limitations.\n- **Official2026 bill status:** returned the Legislature’s navigation shell, not the action history.\n- **Live DOBI lookup:** redirect-only entry page followed by **403** at the search service.\n\nThese failures were not bypassed through accounts, APIs, CAPTCHA workarounds, permission changes, or another browser.\n\n## D.3. Required later passes remain open\n\n| State-dossier category | Status after this pass | Exact next investigation |\n| --- | --- | --- |\n| Agreements and full cancellation/contract requirements | **Open; excluded except fee disclosure/refund boundary** | Read all applicable agreement, cancellation, performance, consumer-contract, and disclosure provisions and their controlling decisions. |\n| Funds, trust accounts, bonds, audits | **Open; only classification and ten-day disbursement addressed** | Complete§17:16G-5/-9 and§3:25-2.4–2.6, including bond tiers, custody, account controls, records, and audits. |\n| Remedies and enforcement | **Open; only licensing offense identified** | Complete administrative, civil, criminal, restitution, Consumer Fraud Act, private-action, and remedy-interaction analysis. |\n| Collection and litigation | **Open; only Opinion36 boundary addressed** | Investigate collector regulation, collection conduct, court process, judgments, enforcement, and applicable federal interaction. |\n| Limitations, accrual, revival, acknowledgment | **Open** | Establish debt-specific limitations and revival rules, choice-of-law issues, and controlling case law. |\n| Exemptions, garnishment, execution | **Open** | Establish state and federal exemption protections, wage/bank execution rules, procedures, and exceptions. |\n| Secured debt and mortgage/foreclosure law | **Open; narrow housing-fee incorporation addressed** | Complete secured-debt remedies, foreclosure-assistance/consultant regulation, mortgage-relief timing, and high-cost-loan statutory coverage. |\n| Sector-specific debt | **Open** | Separate medical, student, tax, support, commercial-finance, and other relevant sector rules. |\n| Local and tribal issues | **Open** | Identify applicable local requirements and tribal/federal jurisdiction or preemption questions for the actual operating facts. |\n| Contract enforceability, arbitration, forum, choice of law | **Open** | Read applicable statutes and controlling decisions; assess actual terms when provided without private borrower data. |\n| Full case-law coverage | **Open** | Expand beyond the targeted *Anchor* and Opinion36 authorities, including later history and contrary/distinguishing decisions. |\n| State/A066 acceptance | **Not granted or implied** | Complete the remaining components and their evidence/acceptance requirements separately. |\n\n# E. Researcher self-check\n\n**Actually read:** the enacted2009 definitions/exclusions and2005 duties amendment; the current official criminal cross-reference; the archived full Chapter3:25 and relevant later adoption materials; the published *Anchor* opinion through a mirror of the court-issued PDF; the operative text of Opinion36; the relevant RPC reprint; actual DOBI applications, instructions, FAQ, and public listing; exact TSR fee provisions; and the current HUD fee regulation, relevant Revision7 handbook sections, and complete transmittal.\n\n**Not represented as read or verified:** an authenticated enrolled1986 chapter; current official§17:16G-2/-6; a freshly retrieved2026 consolidated Chapter3:25; authoritative later *Anchor* docket history; a named provider’s live status; the official2026 reform action record; or all180 pages and all cross-references of the HUD handbook. Search results, historical proposals, old forms, and reproduced releases were not silently promoted into current enacted permission.\n\nThis work used public-web research in this conversation, with parallel internal research tasks and checks of key passages. Those tasks were **not separate ChatGPT conversations and are not an independent review**. No DeepResearch was used. A UI-selected “actualGPT6Pro” label was not independently verified.\n\nNo application, contact, account change, publication, or provider authorization determination was made. **This is the provider-access/consumer-fee component only, with the expressly identified holds and all other New Jersey categories still open.**\n\nEND S_NJ PASS-01\n\n","tables":[{"headers":["Actual activity","Classification for this pass","Important boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Actual activity","Classification for this pass","Important boundary"],["Negotiating a reduction in principal for compensation","Debt adjustment under the intermediary limb","No consumer-funds custody is necessary."],["Negotiating interest reductions, waived charges, extensions, or changed payment terms","Also potentially debt adjustment","Principal forgiveness is not required."],["Negotiating or administering a debt management plan (DMP)","Covered when the intermediary or receipt/distribution test is met","Calling the service “credit counseling” does not eliminate the adjustment activity."],["Receiving debtor funds for adjustment-related creditor payments","Within the receipt/distribution limb","A licensed custodian also faces the ten-day creditor-disbursement requirement discussed below."],["Providing education or advice without performing debt adjustment","Different treatment","DOBI expressly said a nonprofit agency doing counseling alone need not obtain the debt-adjuster license; licensed or license-required entities remain subject to the caps."],["Taking a success fee after performance","Still compensation for the intermediary activity","Delayed collection does not itself create an exemption or a for-profit licensing route."],["Describing compensation as a required contribution, membership charge, or administrative charge","Classification depends on the actual activity and consideration","No marketing-label safe harbor was established."]]},{"headers":["Person/model","Permission or exclusion established","Conditions and failure cases","Claims"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Person/model","Permission or exclusion established","Conditions and failure cases","Claims"],["Attorney lawfully practicing in New Jersey","Excluded under the statute as construed by Anchor","The former “principally engaged” restriction was invalidated. Lawful legal practice remains essential. Authoritative later docket history was inaccessible.","C006"],["Nonlawyer business with an attorney connection","No exemption established from the connection alone","The entity’s own conduct, ownership/control, legal representation, and fee arrangements matter. Anchor did not approve a general attorney-affiliated commercial platform.","C007"],["Regular, full-time employee of the debtor","Statutory exclusion","Must be adjusting the employer’s debts. An outside contractor does not satisfy the stated employee condition merely by working closely with the debtor.","C008"],["Person acting under a court order/judgment or authority conferred by New Jersey or federal law","Statutory exclusion","Actual applicable authority must be identified. A professional credential or unrelated license is not enough by itself.","C009"],["Creditor, or agent of one or more creditors","Statutory exclusion","Adjustment services must be without cost to the debtor. A debtor-paid adjustment charge defeats this particular condition.","C010"],["Person arranging or making a requested loan and adjusting debts through its proceeds","Statutory exclusion","Debtor request and authorization are required; adjustment must occur through disbursement of loan proceeds; there must be no compensation for the adjustment services. This does not say the loan itself must be interest-free.","C011"],["Specified HUD/NJHMFA housing-counseling organization","Statutory exclusion","All three requirements: HUD certification under 12 U.S.C. §1701x; participation in an NJHMFA-approved counseling program; no holding or disbursing debtor funds.","C012"],["Nonprofit providing counseling only, with no debt adjustment","Debt-adjuster license not required under DOBI’s 2008 interpretation","The interpretation is activity-dependent. Negotiating with creditors or receiving adjustment-related funds changes the analysis.","C013"],["High-cost home-loan credit counselor","Separate DOBI registration route","Must satisfy the nonprofit, HUD-approval, and non-affiliation requirements. A debt-adjuster licensee also needs this registration for the regulated counseling activity. It is not general debt-settlement permission.","C017"],["Bank, credit union, lender, or another licensed institution","No blanket institutional exclusion established by this pass","A specific creditor, loan-disbursement, statutory-authority, or other applicable exclusion must be demonstrated.","C041"]]},{"headers":["Structure","Verified numerical or qualitative limit","Treatment of additional charges"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Structure","Verified numerical or qualitative limit","Treatment of additional charges"],["Licensed nonprofit debt adjustment","minimum of (0.01 × client gross monthly income) and $25, in any one month","No separate per-creditor or per-settlement reset appears. The adjustment fee may be waived."],["Credit counseling by a licensee","$60 in any one month","DOBI’s adoption response includes counseling setup and monthly maintenance within this cap."],["Principal-reduction, per-debt, or percentage-of-savings fee under the ordinary nonprofit license","No independent allowance established","The debt-adjustment rule uses gross monthly income, not enrolled debt or savings, as its percentage base."],["Combined adjustment plus counseling program","Two categories exist, but automatic $25 + $60 = $85 authorization was not established","Classification of genuinely separate services and allocation of overlapping work remain held."],["Lifetime/program aggregate","No separate lifetime dollar or percentage allowance verified","The monthly ceiling does not authorize accelerating future months’ fees or charging an unlimited program fee."],["Exempt legal practice","Professional fee rules apply; no debt-specific numerical attorney cap established here","Reasonableness, written fee terms, permissible contingency arrangements, unearned-fee refunds, and any applicable federal timing remain relevant."],["Registered high-cost home-loan counseling","Incorporated HUD restrictions; no fixed universal dollar/percentage cap found in the reviewed HUD fee provision","Registration alone does not make the entity a debt-adjuster “licensee” for purposes of automatically applying the $60 provision."],["Creditor/agent and loan-disbursement exclusions","The particular exclusions require no debtor cost or no adjustment compensation, respectively","A paid adjustment fee cannot be assumed compatible with those exclusions."]]},{"headers":["Instrument","Legal status relevant to this pass"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Instrument","Legal status relevant to this pass"],["2003 adoption, R.2003 d.59","Readoption effective January 7, 2003; amendments effective February 3, 2003; relevant fee interpretations actually read."],["2008 adoption and consolidated chapter","Readoption effective June 23, 2008; amendments effective July 21, 2008; actual fee text read."],["2009 amendments, R.2009 d.322","Effective October 19, 2009; proposed text adopted without change; did not replace these fee ceilings."],["2015 readoption","Effective May 1, 2015, without amendment."],["2022 readoption","Effective March 30, 2022, without change; new expiration March 30, 2029."],["Later DOBI adoption-index check","No later Chapter 3:25 change was located in the index reviewed; this is a bounded search result, not a freshly retrieved 2026 consolidation."]]},{"headers":["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],"index":4,"links":[{"href":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com","text":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF"},{"href":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com","text":"173_.DOC"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com","text":"lis.njleg.state.nj.us\n+1"},{"href":"https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf?utm_source=chatgpt.com","text":"https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf"},{"href":"https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf?utm_source=chatgpt.com","text":"https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf"},{"href":"https://business.cch.com/BFLD/AnchorLawStateNJ%28NJApp%29Op_05092025.pdf?utm_source=chatgpt.com","text":"business.cch.com\n+1"},{"href":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com","text":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download"},{"href":"https://www.lexisnexis.com/hottopics/njcode/?utm_source=chatgpt.com","text":"https://www.lexisnexis.com/hottopics/njcode/"},{"href":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com","text":"dspace.njstatelib.org\n+1"},{"href":"https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/ad010703.pdf"},{"href":"https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/re080721_2.pdf"},{"href":"https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com","text":"nj.gov\n+1"},{"href":"https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/prn09_167.pdf"},{"href":"https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com","text":"FOS09-06 rev.doc"},{"href":"https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/aa091019.pdf"},{"href":"https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com","text":"fos09-re1.doc"},{"href":"https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/rea150601.pdf"},{"href":"https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf"},{"href":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/adopt.htm"},{"href":"https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com","text":"Rule Adoptions"},{"href":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com","text":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download"},{"href":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com","text":"repo.njstatelib.org"},{"href":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com","text":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF"},{"href":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com","text":"pub.njleg.gov"}],"row_links":[[],[{"href":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com","text":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF"},{"href":"https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com","text":"173_.DOC"}],[{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com","text":"lis.njleg.state.nj.us\n+1"}],[{"href":"https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf?utm_source=chatgpt.com","text":"https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf"},{"href":"https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf?utm_source=chatgpt.com","text":"https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf"},{"href":"https://business.cch.com/BFLD/AnchorLawStateNJ%28NJApp%29Op_05092025.pdf?utm_source=chatgpt.com","text":"business.cch.com\n+1"}],[{"href":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com","text":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download"},{"href":"https://www.lexisnexis.com/hottopics/njcode/?utm_source=chatgpt.com","text":"https://www.lexisnexis.com/hottopics/njcode/"},{"href":"https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com","text":"dspace.njstatelib.org\n+1"}],[{"href":"https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/ad010703.pdf"},{"href":"https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/re080721_2.pdf"},{"href":"https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com","text":"nj.gov\n+1"}],[{"href":"https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/prn09_167.pdf"},{"href":"https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com","text":"FOS09-06 rev.doc"}],[{"href":"https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/aa091019.pdf"},{"href":"https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com","text":"fos09-re1.doc"}],[{"href":"https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/rea150601.pdf"},{"href":"https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf"},{"href":"https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/adopt.htm"},{"href":"https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com","text":"Rule Adoptions"}],[{"href":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com","text":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download"},{"href":"https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com","text":"repo.njstatelib.org"}],[{"href":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com","text":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF"},{"href":"https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com","text":"pub.njleg.gov"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],["S_NJ-P1-S001","P.L. 2009, c.173, NJ Legislature. https://pub.njleg.gov/bills/2008/PL09/173_.PDF","Read, NJ enacted law. §1, p.1: §17:16G-1 definitions/exclusions. §2(f), p.2: criminal cross-reference. §3: immediate effect; approved Jan.11, 2010. Attorney wording must be read with S003. \n173_.DOC"],["S_NJ-P1-S002","New Jersey Statutes, Legislature. Read section: https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046 ; compilation notice: https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","Read in part. §2C:21-19(f), lines18–19, actually retrieved. Root states compilation through P.L.2026 c.50 and J.R.1. This does not authenticate inaccessible §17:16G-2/-6 or prove absence of later enactments. \nlis.njleg.state.nj.us\n+1"],["S_NJ-P1-S003","Anchor Law Firm, PLLC v. State, A-0052-23, NJ Appellate Division. Read court-issued PDF at publisher mirror: https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf ; official route: https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf","Primary judicial text read through mirror. Published May9,2025; pp.9–11 statutory framework; pp.30–38 legal-practice analysis; p.37 n.17 preserves judicial professional regulation; pp.44–45 holding, immediate effect. Official PDF/docket routes blocked; authoritative later history held. \nbusiness.cch.com\n+1"],["S_NJ-P1-S004","N.J.A.C. 3:25, official State Library archival consolidation. https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download","Read, historical consolidation, Supp.7-21-08. §1.1 printed25-1–2; §1.2 and §2.1 printed25-3; §2.6 printed25-6; §§4.1–4.6 printed25-7–10. Use with later amendments/readoptions, not as a stand-alone 2026 edition. Current linked code route https://www.lexisnexis.com/hottopics/njcode/ did not render operative text. \ndspace.njstatelib.org\n+1"],["S_NJ-P1-S005","R.2003 d.59, Debt Adjustment and Credit Counseling, DOBI final adoption. https://www.nj.gov/dobi/proposed/ad010703.pdf","Read, adopted despite /proposed/ URL. p.1 effective dates; p.2 noncustodial-definition response; p.3 setup/maintenance and CPI; pp.4–5 proposed $35; pp.5–6 remote subsection not adopted. Readoption Jan7,2003; amendments Feb3,2003. \nnj.gov"],["S_NJ-P1-S006","R.2008 d.203, Chapter 3:25 readoption with amendments, DOBI. https://www.nj.gov/dobi/proposed/re080721_2.pdf","Read, final adoption. pp.3–4 federal-tax-status distinction; p.5 counseling-only/cap scope; pp.8–9 ten-day response; pp.11–12 operative amendments. Readoption June23,2008; amendments July21,2008. \nnj.gov\n+1"],["S_NJ-P1-S007","2009 Chapter 3:25 proposed amendments, DOBI. https://www.nj.gov/dobi/proposed/prn09_167.pdf","Full amendment text read. pp.8–9: §§2.2(a)13, (b), (g), 2.3(a); later pages bond and counseling amendments. Originally proposed; its text acquired adopted status through S008’s adoption without change. \nFOS09-06 rev.doc"],["S_NJ-P1-S008","R.2009 d.322 final adoption, DOBI. https://www.nj.gov/dobi/proposed/aa091019.pdf","Read. p.1 identifies adoption without change and Oct19,2009 effective date; responses explain removal of the New Jersey-office requirement. Authenticates S007’s operative amendments. \nfos09-re1.doc"],["S_NJ-P1-S009","2015 Notice of Readoption, N.J.A.C.3:25, DOBI. https://www.nj.gov/dobi/proposed/rea150601.pdf","Read, 2pp. Effective May1,2015; without amendment; expiration May1,2022. June1 publication is not the effective date. \nnj.gov"],["S_NJ-P1-S010","54 N.J.R.779(b), 2022 Notice of Readoption, DOBI. https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf","Read, banking notice on p.1. Effective Mar30,2022; without change; expiration Mar30,2029. Published May2,2022. \nnj.gov"],["S_NJ-P1-S011","Adopted Rules index, DOBI. https://www.nj.gov/dobi/adopt.htm","Read as currentness support. Later entries checked; no later Chapter3:25 amendment located. An agency index is not a substitute for a complete current consolidated chapter. \nRule Adoptions"],["S_NJ-P1-S012","Legislative history of P.L.1986 c.184, NJ State Library. https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download","Read as history, not authenticated enrolled law. 13pp; checklist p.1; S195 pp.2–6, including licensing and fee language; other bill/committee materials follow. Checklist identifies Dec10,1986 approval. Amendment-checkbox image could not be visually verified. \nrepo.njstatelib.org"],["S_NJ-P1-S013","P.L.2005 c.287, NJ Legislature. https://pub.njleg.gov/bills/2004/PL05/287_.PDF","Read enacted text. §3, pp.1–2 enacts §17:16G-9; subsection(a) ten-day disbursement. Approved Jan9,2006; effective Apr9,2006, also confirmed by S006. Other provisions were subsequently amended and are not all treated as current. \npub.njleg.gov"]]},{"headers":["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],"index":5,"links":[{"href":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com","text":"Debt Adjuster License"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com","text":"Debt Adjuster License FAQs"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com","text":"~9958551.doc\n+1"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm"},{"href":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com","text":"Dedicated Funding FAQs - Debt Adjuster\n+1"},{"href":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html"},{"href":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/licenseesearch/licsearch.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/licenseesearch/licsearch.htm"},{"href":"https://www-dobi.state.nj.us/DOBI_LicSearch/","text":"https://www-dobi.state.nj.us/DOBI_LicSearch/"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html"},{"href":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com","text":"law.justia.com"},{"href":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com","text":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf"},{"href":"https://www.njcourts.gov/sites/default/files/rpc.pdf","text":"https://www.njcourts.gov/sites/default/files/rpc.pdf"},{"href":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com","text":"gannlaw.com\n+1"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM"},{"href":"https://www.njleg.state.nj.us/bill-search/2026/A3489?utm_source=chatgpt.com","text":"https://www.njleg.state.nj.us/bill-search/2026/A3489"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"pub.njleg.gov\n+1"},{"href":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com","text":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download"},{"href":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com","text":"repo.njstatelib.org"},{"href":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com","text":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/"},{"href":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com","text":"Insider NJ"},{"href":"https://pub.njleg.gov/statutes/?utm_source=chatgpt.com","text":"https://pub.njleg.gov/statutes/"},{"href":"https://pub.njleg.gov/statutes/STATUTES-TEXT.zip","text":"https://pub.njleg.gov/statutes/STATUTES-TEXT.zip"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29"},{"href":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com","text":"nj.gov"},{"href":"https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/formlist.htm"},{"href":"https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com","text":"Industry Forms and Applications"}],"row_links":[[],[{"href":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com","text":"Debt Adjuster License"}],[{"href":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com","text":"Debt Adjuster License FAQs"}],[{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com","text":"~9958551.doc\n+1"}],[{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm"},{"href":"https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com","text":"Dedicated Funding FAQs - Debt Adjuster\n+1"}],[{"href":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html"},{"href":"https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/licenseesearch/licsearch.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/licenseesearch/licsearch.htm"},{"href":"https://www-dobi.state.nj.us/DOBI_LicSearch/","text":"https://www-dobi.state.nj.us/DOBI_LicSearch/"}],[{"href":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf"},{"href":"https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com","text":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html"},{"href":"https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com","text":"law.justia.com"}],[{"href":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com","text":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf"},{"href":"https://www.njcourts.gov/sites/default/files/rpc.pdf","text":"https://www.njcourts.gov/sites/default/files/rpc.pdf"},{"href":"https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com","text":"gannlaw.com\n+1"}],[{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM"},{"href":"https://www.njleg.state.nj.us/bill-search/2026/A3489?utm_source=chatgpt.com","text":"https://www.njleg.state.nj.us/bill-search/2026/A3489"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"pub.njleg.gov\n+1"}],[{"href":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com","text":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download"},{"href":"https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com","text":"repo.njstatelib.org"}],[{"href":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com","text":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/"},{"href":"https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com","text":"Insider NJ"}],[{"href":"https://pub.njleg.gov/statutes/?utm_source=chatgpt.com","text":"https://pub.njleg.gov/statutes/"},{"href":"https://pub.njleg.gov/statutes/STATUTES-TEXT.zip","text":"https://pub.njleg.gov/statutes/STATUTES-TEXT.zip"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29","text":"https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29"}],[{"href":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf"},{"href":"https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com","text":"nj.gov"}],[{"href":"https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com","text":"https://www.nj.gov/dobi/formlist.htm"},{"href":"https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com","text":"Industry Forms and Applications"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],["S_NJ-P1-S014","Debt Adjuster License, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjuster.html","Read operational page. Actual main/branch application links and licensing category. Supports procedure, not statutory eligibility by itself. \nDebt Adjuster License"],["S_NJ-P1-S015","Debt Adjuster FAQs, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html","Read. Questions2–4 address licensing/exemptions; older renewal examples also appear. Exemption list is incomplete against S001 and outdated against S003. \nDebt Adjuster License FAQs"],["S_NJ-P1-S016","Debt-adjuster main application/instructions, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf","Read current-linked packet, 10pp. Instructions pp.1–3; $300 nonprofit application fee p.2. Shared banking-form fields do not expand eligibility. Packet is procedural evidence. \n~9958551.doc\n+1"],["S_NJ-P1-S017","Debt-adjuster branch application, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf","Read current-linked packet, 3pp. Branch instructions/application and $300 fee. No filing or authorization determination made. \nnj.gov"],["S_NJ-P1-S018","Dedicated Funding FAQs—Debt Adjuster, DOBI. https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm","Read operational text. 2026 reporting information; “Additional License Specific Information”: June30,2027 expiration, electronic/no-fee renewal, $300 new-application fee. Administrative dates are not consumer-fee effective dates. \nDedicated Funding FAQs - Debt Adjuster\n+1"],["S_NJ-P1-S019","Financial Counseling Organizations, DOBI. https://www.nj.gov/dobi/division_consumers/finance/counselors.html","Read actual listing. “DOBI Licensed Debt Adjusters,” starting at text line115, lists reference numbers and locations. Undated; not a live disciplinary/expiration-status certification. \nnj.gov"],["S_NJ-P1-S020","DOBI public license-search service. https://www.nj.gov/dobi/licenseesearch/licsearch.htm ; https://www-dobi.state.nj.us/DOBI_LicSearch/","Attempted, not substantively read. First route redirect-only; destination403. No named-provider current status established. Exact next action: obtain a readable public result for the legal entity and service location when the ordinary public route works."],["S_NJ-P1-S021","Bulletin08-13, DOBI. https://www.nj.gov/dobi/bulletins/blt08_13.pdf","Read historical agency interpretation, July28,2008, 2pp. Activity definition and New Jersey-resident reach. Later statutory/judicial changes govern exemptions. \nnj.gov"],["S_NJ-P1-S022","Bulletin08-27, DOBI. https://www.nj.gov/dobi/bulletins/blt08_27.pdf","Read historical agency interpretation, Dec19,2008, p.1. Secured/unsecured debt and mortgage-modification labeling. Does not close the later mortgage-sector pass or supply a current exemption list. \nnj.gov"],["S_NJ-P1-S023","UPL Committee Opinion36, Providing Debt Resolution Services to Litigants, Jan15,2001. Primary text reproduced at https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html","Read reproduced committee opinion. Facts and operative conclusion concern nonlawyers negotiating for sued business debtors. Not a general holding resolving DACCA coverage of all corporate debt. \nlaw.justia.com"],["S_NJ-P1-S024","NJ Rules of Professional Conduct, publisher’s rule-text reprint. https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf ; official attempted route https://www.njcourts.gov/sites/default/files/rpc.pdf","Relevant rule text read through reprint. RPC1.5 PDFp.5;1.16(d) p.13;5.4 pp.20–21. §1.5(b) amendment note: effective Apr1,2025. Official PDF403; complete official currentness held. \ngannlaw.com\n+1"],["S_NJ-P1-S027","A3489, 2026 introduced text, NJ Legislature. https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM ; status route https://www.njleg.state.nj.us/bill-search/2026/A3489","Bill text read; status route navigation-only. §§1–4 proposed for-profit eligibility/fees; §7 proposed effect on180th day after enactment. Header says introduced/pending technical review. Not treated as enacted or future-effective law. \npub.njleg.gov\n+1"],["S_NJ-P1-S028","Governor’s Jan16,2024 legislative-action release, archived by NJ State Library in another chapter’s history packet. https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download","Archived primary release read. PDFpp.19–21; p.21 lists S2989/A1739 among pocket vetoes. The enclosing P.L.2023 c.270 packet is not itself a debt-adjuster reform enactment. \nrepo.njstatelib.org"],["S_NJ-P1-S029","Governor Murphy Takes Action on Legislation, Jan20,2026 release reproduced by InsiderNJ. https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/","Reproduced release body read. Pocket-veto list includes S1310/A4598, text lines178–182. Original official release/action record was not successfully read; provenance/current-status qualification retained. \nInsider NJ"],["S_NJ-P1-S030","Official downloadable-statutes index, NJ Legislature. https://pub.njleg.gov/statutes/ ; archive https://pub.njleg.gov/statutes/STATUTES-TEXT.zip","Index read; archive not read. Root check listed archive dated Oct22,2026. Public-web opening returned unsupported ZIP content type. Title17 table route https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29 also failed. Exact next source: official archive’s §17:16G-2/-6 text."],["S_NJ-P1-S034","High-cost home-loan credit-counseling registration packet, DOBI. https://www.nj.gov/dobi/banklicensing/highcostapp.pdf","Read, 4pp. p.1 instructions1–11, including HUD approval and $100/location; p.2 registration form. Marked 3/08. Currently linked but contains pre-2009 office wording; later rule controls. \nnj.gov"],["S_NJ-P1-S035","Industry Forms and Applications, DOBI. https://www.nj.gov/dobi/formlist.htm","Relevant operational section read. Banking licensing section, text lines15–28, currently links debt-adjuster and high-cost counselor packets. Used to establish the public application route, not legal permission. \nIndustry Forms and Applications"]]},{"headers":["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],"index":6,"links":[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"ecfr.gov\n+2"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"Federal Trade Commission\n+1"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com","text":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com","text":"hud.gov\n+1"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com","text":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com","text":"hud.gov"},{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313"},{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com","text":"ecfr.gov"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"},{"href":"https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","text":"ecfr.gov\n+2"}],[{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business"},{"href":"https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com","text":"Federal Trade Commission\n+1"}],[{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com","text":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com","text":"hud.gov\n+1"}],[{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com","text":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf"},{"href":"https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com","text":"hud.gov"}],[{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313"},{"href":"https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com","text":"ecfr.gov"}]],"rows":[["Source ID","Title / issuer and direct literal URL","Pinpoint, version, effective status, and limitations"],["S_NJ-P1-S025","16 C.F.R. Part310, FTC/eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Relevant operative text read. §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E);310.2(o);310.6 exemptions. Displayed current through Oct21,2026. eCFR is authoritative but unofficial. Federal common context; not New Jersey market permission. \necfr.gov\n+2"],["S_NJ-P1-S026","Debt Relief Services & the TSR: A Guide for Business, FTC. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Relevant guide passages read. Coverage/nonprofit discussion, attorney question, collecting-fees section. Staff guidance supports scope interpretation; exact operative timing comes from S025. \nFederal Trade Commission\n+1"],["S_NJ-P1-S031","HUD Housing Counseling Program Handbook7610.1 REV-7. https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf","Relevant sections read, not all180pp. §3-9 p.37; §§7-3–7-6 pp.79–82; especially §7-5 fee conditions. Footer03/2026; effective date established by S032. Incorporated by NJ§3:25-4.2(b). \nhud.gov\n+1"],["S_NJ-P1-S032","HUD Handbook7610.1 REV-7 transmittal. https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf","Entire4pp read. p.1 and pp.3–4: effective May1,2026, supersedesREV6-1. Does not establish New Jersey licensure. \nhud.gov"],["S_NJ-P1-S033","24 C.F.R. §214.313, Housing counseling fees, HUD/eCFR. https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313","Entire§(a)–(e) read. Reasonableness, disclosure, intake, hardship, duplicate funding, credit-report cost/discounts, lender payments. Displayed current through Oct21,2026; no fixed dollar ceiling in this section. \necfr.gov"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, exceptions, currentness, confidence"],["S_NJ-P1-C001","Paid intermediary activity/offers and adjustment-related receipt/distribution are alternative statutory routes to coverage.","S001 §1(c)(1); S004 §1.1","High text. Noncustody alone does not remove the intermediary limb."],["S_NJ-P1-C002","Principal reduction, payment concessions, and qualifying DMP work can all be debt adjustment; a contingent fee or label change does not itself remove coverage.","S001 §1(c)(1); S005 pp.1–2; S021 pp.1–2","High core; qualified application. Actual services and consideration control."],["S_NJ-P1-C003","Ordinary nonexempt adjustment is restricted to licensed qualifying nonprofits; no ordinary for-profit licensing route was established.","S003 pp.9–11; S004 §§2.1(a),2.2(a); S006 pp.1–2","High retrieved scheme; currency qualified by C037/C039. Statutory exclusions and Anchor remain separate."],["S_NJ-P1-C004","Acting or offering to act without a required license, unless exempt under the Act, is classified as a fourth-degree crime.","S002 §2C:21-19(f); S001 §2(f)","High. Full criminal liability/remedies analysis deferred."],["S_NJ-P1-C005","Nonprofit incorporation/non-inurement and licensing matter; creditor-employer board representation is capped at40%; federal tax exemption was not adopted as a separate proof condition in2008.","S001 §1(a); S004 §§2.1(c),2.2(a)1; S006 pp.3–4,11","High. A nonprofit or IRS label alone does not establish authorization."],["S_NJ-P1-C006","Anchor invalidated the “principally engaged” limitation and construed a total exemption for attorneys lawfully practicing in NJ, effective immediately.","S003 pp.44–45","High holding; later-history qualified. Rest of Act intact; official subsequent docket unread."],["S_NJ-P1-C007","An attorney connection alone does not establish the nonlawyer entity’s exemption; judicial professional oversight remains.","S003 pp.30–38,44–45; S024 RPC5.4","Qualified application. No particular affiliation/ownership/fee-sharing arrangement approved."],["S_NJ-P1-C008","Regular full-time employees adjusting their employer’s debts are excluded.","S001 §1(c)(2)(b)","High. Employee and employer-debt conditions must both hold."],["S_NJ-P1-C009","Court-authorized or otherwise legally authorized adjustment is excluded only where the applicable order/judgment/law supplies authority.","S001 §1(c)(2)(c)","High text; fact-dependent. No unrelated-license safe harbor inferred."],["S_NJ-P1-C010","A creditor or creditor agent exclusion requires adjustment services without cost to the debtor.","S001 §1(c)(2)(d)","High. This does not authorize a separate debtor-paid adjustment fee."],["S_NJ-P1-C011","The loan-disbursement exclusion requires debtor request/authorization and no adjustment-service compensation.","S001 §1(c)(2)(e)","High. It is not a general exemption for paid debt negotiators or a requirement of interest-free lending."],["S_NJ-P1-C012","HUD certification, NJHMFA-program participation, and no debtor-fund holding/disbursement are cumulative housing-organization exclusion conditions.","S001 §1(c)(2)(f); S015 Q3–4","High statutory text. FAQ omission does not repeal the exclusion."],["S_NJ-P1-C013","DOBI says counseling-only nonprofits need no debt-adjuster license; caps bind entities licensed or required to be licensed.","S006 p.5; S004 §2.1(a),2008 annotation","High agency interpretation. Not a blanket clearance of all education, credit-repair, lead-generation, or legal-advice models."],["S_NJ-P1-C014","Statutory debtor definition lacks an express consumer-purpose limitation; entity-only corporate coverage is unresolved against the regulation’s different wording.","S001 §1(d); S004 §1.1","Qualified inference / held entity boundary. Individual business debts are not automatically excluded."],["S_NJ-P1-C015","Opinion36 found the described nonlawyer commercial debt-resolution services for litigants unauthorized practice.","S023 facts and concluding paragraphs","High bounded opinion. Not a universal corporate-debt/DACCA holding."],["S_NJ-P1-C016","The2009 amendments permit remote eligible providers while requiring licensing/registration of locations serving NJ-resident debtors.","S007 pp.8–9, §§2.2,2.3; S008","High adopted text. Does not clear all foreign-country, choice-of-law, or other-jurisdiction issues."],["S_NJ-P1-C017","High-cost home-loan counseling uses separate registration, including nonprofit/HUD/non-affiliation conditions; an adjustment license alone is insufficient for that certification activity.","S004 §2.1(b),(d),§2.2(e)–(h)","High rule. Registration is not general settlement authorization."],["S_NJ-P1-C018","Adjustment-fee base is client gross monthly income; a client may be a single family unit.","S004 §1.1,§1.2(a)1","High text. Irregular income, nonclient-spouse income, month conventions, and rounding are not resolved."],["S_NJ-P1-C019","Licensed nonprofit adjustment fees cannot exceed1% of gross monthly client income or$25 in one month; waiver is discretionary.","S004 §1.2(a)1; S010","High text/readoption chain. Numerical ceiling does not establish earning or collection date."],["S_NJ-P1-C020","Licensee counseling fees cannot exceed$60 in one month, including counseling setup and maintenance.","S004 §1.2(a)2; S005 p.3","High. Not a separate$60 adjustment enrollment allowance."],["S_NJ-P1-C021","The historical$15 statute permits regulatory variation; the read rule is$25. A$35 request and automatic CPI mechanism were not adopted in the2003 response.","S012 bill§6; S027 §4; S004 §1.2; S005 pp.3–5","High regulation/history; official current§6 retrieval held. No invented indexed amount."],["S_NJ-P1-C022","No separate per-debt/savings/program fee allowance or automatic$85 combined charge was established.","S004 §1.2; S005 p.3; S006 p.5","Qualified negative finding. Monthly category maxima do not reset per creditor; allocation of genuine separate services remains held."],["S_NJ-P1-C023","A written fee statement must precede any licensee adjustment or counseling service.","S004 §1.2(b)","High. Disclosure timing does not affirmatively authorize advance receipt."],["S_NJ-P1-C024","Licensees must disburse received debtor funds to creditors within10days, less permitted fees.","S013 §3(a); S004 §2.6(a)1; S006 pp.8–9","High. Not a fee-earning clock or general settlement-savings custody authorization."],["S_NJ-P1-C025","A universal state-only advance-fee trigger and cancellation-proration formula were not established.","S004 §§1.2,2.6 and full retrieved chapter; S013 §3","Held. Absence of a formula proves neither advance permission nor full retention."],["S_NJ-P1-C026","Exempt legal fees remain subject to reasonable-fee, written-term, permissible-contingency, and unearned-advance refund requirements.","S024 RPC1.5(a)–(c),1.16(d); S003 p.37n.17","Qualified by official-current-rules retrieval gap. No debt-specific percentage or advance arrangement approved."],["S_NJ-P1-C027","Incorporated HUD fee rules require reasonable/service-related/no-hardship charges and prohibit intake and specified delinquency/default/homelessness counseling fees.","S004 §4.2(b); S031 §7-5 pp.80–82; S032; S033(a)–(c)","High relevant text. REV7 effectiveMay1,2026. Inability to pay requires free counseling;≤200%FPL calls for considering waiver/reduction, not a computed NJ fee ceiling."],["S_NJ-P1-C028","HUD-funded services cannot be double-charged; credit-report discounts pass through; NJ bars a second-source fee for a borrower-paid particular certification.","S033(c)–(e); S031 §7-5; S004 §4.2(c)","High. General contractual funding is not categorically prohibited; full conflict/sector analysis remains open."],["S_NJ-P1-C029","TSR applicability requires its own coverage analysis; attorneys lack a blanket exemption, and bona fide nonprofit treatment differs.","S025 §§310.2(o),310.6; S026 coverage/attorney sections","High rule/guidance; model-specific application qualified. Federal context only."],["S_NJ-P1-C030","Covered debt-relief fees require an executed debt modification agreement, first customer payment, and compliant individual-debt fee allocation.","S025 §310.4(a)(5)(i)(A)–(C)","High. State ceiling or exemption does not replace these federal conditions."],["S_NJ-P1-C031","The dedicated-account exception requires all five conditions and seven-business-day return of funds other than compliant earned fees after withdrawal request.","S025 §310.4(a)(5)(ii)(A)–(E)","High. Consumer-owned account deposits are distinguished from provider fee receipt."],["S_NJ-P1-C032","Federal compliance supplies neither a NJ license nor permission to exceed an applicable NJ fee cap.","S001; S003; S004 §§1.2,2.1; S025 §310.4(a)(5)","High combined legal distinction. Separate state and federal tests must both be satisfied when applicable."],["S_NJ-P1-C033","Actual DOBI application instructions require nonprofit/financial/leadership and related licensing documentation; relevant locations must be licensed.","S016 pp.1–3; S017; S007–S008","High procedure. Submission or generic form boxes do not establish eligibility or issuance."],["S_NJ-P1-C034","Posted new debt-adjuster application fee is$300 nonrefundable; current renewal information identifiesJune30,2027 and no renewal fee.","S016 p.2; S017; S018 renewal/new-application questions","High operational finding. Provider regulatory charges, not consumer fee allowances; assessments separate."],["S_NJ-P1-C035","An official public list exists, but a usable live-status lookup was blocked and no named provider was verified.","S019 listing section; S020 failed routes","High evidence-limit finding. List entries are not current status certifications."],["S_NJ-P1-C036","A currently linked HCHL registration packet states$100/location and HUD documentation, but retains2008 wording.","S034 p.1items3,7,9,11; p.2; S035","**High posted procedure; dated-form qualification.**2009 adopted location rules govern."],["S_NJ-P1-C037","Official current§17:16G-2/-6 and authentic1986 enrolled text were not successfully retrieved.","S002; S012; S030","Held authentication gap. Published judicial analysis and operative rules support the central licensing/fee findings; prefiled history text is not mislabeled enacted law."],["S_NJ-P1-C038","Chapter3:25 was readopted without change effectiveMar30,2022 throughMar30,2029; no later change was located in the checked index.","S009–S011","High readoption; bounded later search. No claim of a freshly retrieved2026 consolidated chapter."],["S_NJ-P1-C039","Prior reform materials do not establish present for-profit permission:2024 veto documented;2026 veto reported in reproduced release;A3489 read only as introduced text.","S028 p.21; S029 pocket-veto list; S027 §§1–4,7","Mixed confidence. Official2026 action history remains held; no enacted/future-effective reform assumed."],["S_NJ-P1-C040","Registered-only HCHL status does not automatically trigger the licensee$60 cap; incorporated fee restrictions and actual licensing status must be distinguished.","S004 §§1.2,2.1(b),4.2; S031–S033","Qualified interpretation. Dual-status/overlapping-service allocation and automatic stacking remain held."],["S_NJ-P1-C041","The retrieved Act’s exclusions do not provide a blanket bank/credit-union/other-financial-license exemption.","S001 §1(c)(2); S004 §1.1","High list; qualified application. Specific institutional authority or activity-based exclusion still requires proof."]]},{"headers":["Component","Status","Claims","Exact missing evidence / next investigation"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component","Status","Claims","Exact missing evidence / next investigation"],["Principal reduction versus concessions/DMP","Answered","C001–C002","Apply the verified activity test to a specified service flow if one is later supplied."],["Custodial versus noncustodial coverage","Answered for classification; partial for custody design","C001,C024","Later funds pass must test account ownership/control, receipt, disbursement, and recordkeeping for the actual architecture."],["Ordinary nonprofit versus for-profit access","Answered under retrieved scheme; current statutory authentication gap","C003–C005,C037,C039","Retrieve official current§17:16G-2/-6 from the Legislature’s text archive or readable section gateway; complete official2026 legislative history."],["Attorney exemption","Answered holding; later history unresolved","C006–C007","Obtain an authoritative post-May9,2025 appellate/Supreme Court docket record, including any stay, certification, reversal, or later order."],["Nonprofit/entity eligibility","Answered core conditions","C005","Named entity verification would require actual incorporation, governance, license, and location evidence; none was undertaken."],["Employee, court/law, creditor, loan exclusions","Answered statutory conditions","C008–C011","Any claimed exemption needs the actual employment, order, statutory authority, creditor relationship, or loan-disbursement facts."],["HUD/NJHMFA exclusion","Answered statutory conditions","C012","Verify actual HUD status, NJHMFA-approved participation, and no holding/disbursement for a named organization."],["Education-only model","Answered narrow nonprofit interpretation; other hybrids partial","C013","Identify actual creditor communications, compensation, legal advice, credit-repair claims, and referral functions before classifying a hybrid."],["Individual business-purpose and entity-only debt","Partial / entity boundary held","C014–C015","Locate controlling interpretation reconciling statutory “individual” with regulatory “person”; distinguish corporate-only obligations from individual guarantees."],["Remote-provider resident nexus","Answered for adopted NJ-resident/location rule","C016","Foreign-country operations, conflicts of law, and additional jurisdictions remain unreviewed."],["Ordinary numerical consumer fee caps","Answered through operative/readoption chain","C018–C021,C038","Retrieve current consolidated Chapter3:25 and verify any later adopted amendment or fee notice; no CPI amount to compute."],["Income composition, month convention, rounding","Partial","C018","Find a published DOBI interpretation or controlling case addressing irregular income, nonclient spouses, billing-period boundaries, and fractional cents."],["Setup/per-debt/savings fees and $85 combination","Partial; automatic additions held","C020–C022,C040","Find authoritative allocation guidance for genuine separate counseling and adjustment services; do not assume a bundled entitlement."],["State request/receipt trigger","Partial","C023–C025","Test a concrete agreement and service-performance sequence against current state law and controlling interpretations; no universal advance-fee permission established."],["Cancellation, retention, refund, credit","Partial / exact state formula held","C025–C026,C031","Complete agreement/performance, consumer-protection, refund, and attorney-fee authorities; distinguish consumer-owned account returns from fee refunds."],["Incorporated housing-counseling fees","Answered relevant fee clauses; broader sector open","C027–C028,C040","Complete high-cost-loan statutory triggers, current loan-classification thresholds, conflicts, HECM exceptions, and certification/registration details in the sector pass."],["Federal TSR timing","Answered as conditional common context","C029–C032","Determine actual telemarketing, entity, transaction, and exemption facts before applying it to a provider."],["Current public application procedure","Answered, with dated-form qualifications","C033–C034,C036","Reconcile any future filing-specific procedural changes through readable official instructions; no filing requested or performed."],["Named-provider public status","Unresolved / not asserted","C035","Reopen ordinary live DOBI search when accessible; match legal entity, reference number, licensed location, license type, current term, and disciplinary status."],["Current enacted reform status","Partial","C037–C039","Read official S1310/A4598 final action and full2026 A3489 history/enrolled-law records; the current official bill-status route rendered navigation only."],["Worked calculations","Answered within stated assumptions","C018–C032,C040","No arithmetic is used to supply missing permission, timing, income, or refund law."]]},{"headers":["State-dossier category","Status after this pass","Exact next investigation"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["State-dossier category","Status after this pass","Exact next investigation"],["Agreements and full cancellation/contract requirements","Open; excluded except fee disclosure/refund boundary","Read all applicable agreement, cancellation, performance, consumer-contract, and disclosure provisions and their controlling decisions."],["Funds, trust accounts, bonds, audits","Open; only classification and ten-day disbursement addressed","Complete§17:16G-5/-9 and§3:25-2.4–2.6, including bond tiers, custody, account controls, records, and audits."],["Remedies and enforcement","Open; only licensing offense identified","Complete administrative, civil, criminal, restitution, Consumer Fraud Act, private-action, and remedy-interaction analysis."],["Collection and litigation","Open; only Opinion36 boundary addressed","Investigate collector regulation, collection conduct, court process, judgments, enforcement, and applicable federal interaction."],["Limitations, accrual, revival, acknowledgment","Open","Establish debt-specific limitations and revival rules, choice-of-law issues, and controlling case law."],["Exemptions, garnishment, execution","Open","Establish state and federal exemption protections, wage/bank execution rules, procedures, and exceptions."],["Secured debt and mortgage/foreclosure law","Open; narrow housing-fee incorporation addressed","Complete secured-debt remedies, foreclosure-assistance/consultant regulation, mortgage-relief timing, and high-cost-loan statutory coverage."],["Sector-specific debt","Open","Separate medical, student, tax, support, commercial-finance, and other relevant sector rules."],["Local and tribal issues","Open","Identify applicable local requirements and tribal/federal jurisdiction or preemption questions for the actual operating facts."],["Contract enforceability, arbitration, forum, choice of law","Open","Read applicable statutes and controlling decisions; assess actual terms when provided without private borrower data."],["Full case-law coverage","Open","Expand beyond the targeted Anchor and Opinion36 authorities, including later history and contrary/distinguishing decisions."],["State/A066 acceptance","Not granted or implied","Complete the remaining components and their evidence/acceptance requirements separately."]]}],"claims":[{"claim_id":"S_NJ-P1-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C001","Precise assertion":"Paid intermediary activity/offers and adjustment-related receipt/distribution are alternative statutory routes to coverage.","Sources and pinpoints":"S001 §1(c)(1); S004 §1.1","Conditions, exceptions, currentness, confidence":"High text. Noncustody alone does not remove the intermediary limb."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C002","Precise assertion":"Principal reduction, payment concessions, and qualifying DMP work can all be debt adjustment; a contingent fee or label change does not itself remove coverage.","Sources and pinpoints":"S001 §1(c)(1); S005 pp.1–2; S021 pp.1–2","Conditions, exceptions, currentness, confidence":"High core; qualified application. Actual services and consideration control."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C003","Precise assertion":"Ordinary nonexempt adjustment is restricted to licensed qualifying nonprofits; no ordinary for-profit licensing route was established.","Sources and pinpoints":"S003 pp.9–11; S004 §§2.1(a),2.2(a); S006 pp.1–2","Conditions, exceptions, currentness, confidence":"High retrieved scheme; currency qualified by C037/C039. Statutory exclusions and Anchor remain separate."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C004","Precise assertion":"Acting or offering to act without a required license, unless exempt under the Act, is classified as a fourth-degree crime.","Sources and pinpoints":"S002 §2C:21-19(f); S001 §2(f)","Conditions, exceptions, currentness, confidence":"High. Full criminal liability/remedies analysis deferred."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C005","Precise assertion":"Nonprofit incorporation/non-inurement and licensing matter; creditor-employer board representation is capped at40%; federal tax exemption was not adopted as a separate proof condition in2008.","Sources and pinpoints":"S001 §1(a); S004 §§2.1(c),2.2(a)1; S006 pp.3–4,11","Conditions, exceptions, currentness, confidence":"High. A nonprofit or IRS label alone does not establish authorization."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C006","Precise assertion":"Anchor invalidated the “principally engaged” limitation and construed a total exemption for attorneys lawfully practicing in NJ, effective immediately.","Sources and pinpoints":"S003 pp.44–45","Conditions, exceptions, currentness, confidence":"High holding; later-history qualified. Rest of Act intact; official subsequent docket unread."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C007","Precise assertion":"An attorney connection alone does not establish the nonlawyer entity’s exemption; judicial professional oversight remains.","Sources and pinpoints":"S003 pp.30–38,44–45; S024 RPC5.4","Conditions, exceptions, currentness, confidence":"Qualified application. No particular affiliation/ownership/fee-sharing arrangement approved."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C008","Precise assertion":"Regular full-time employees adjusting their employer’s debts are excluded.","Sources and pinpoints":"S001 §1(c)(2)(b)","Conditions, exceptions, currentness, confidence":"High. Employee and employer-debt conditions must both hold."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C009","Precise assertion":"Court-authorized or otherwise legally authorized adjustment is excluded only where the applicable order/judgment/law supplies authority.","Sources and pinpoints":"S001 §1(c)(2)(c)","Conditions, exceptions, currentness, confidence":"High text; fact-dependent. No unrelated-license safe harbor inferred."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C010","Precise assertion":"A creditor or creditor agent exclusion requires adjustment services without cost to the debtor.","Sources and pinpoints":"S001 §1(c)(2)(d)","Conditions, exceptions, currentness, confidence":"High. This does not authorize a separate debtor-paid adjustment fee."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C011","Precise assertion":"The loan-disbursement exclusion requires debtor request/authorization and no adjustment-service compensation.","Sources and pinpoints":"S001 §1(c)(2)(e)","Conditions, exceptions, currentness, confidence":"High. It is not a general exemption for paid debt negotiators or a requirement of interest-free lending."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C012","Precise assertion":"HUD certification, NJHMFA-program participation, and no debtor-fund holding/disbursement are cumulative housing-organization exclusion conditions.","Sources and pinpoints":"S001 §1(c)(2)(f); S015 Q3–4","Conditions, exceptions, currentness, confidence":"High statutory text. FAQ omission does not repeal the exclusion."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C013","Precise assertion":"DOBI says counseling-only nonprofits need no debt-adjuster license; caps bind entities licensed or required to be licensed.","Sources and pinpoints":"S006 p.5; S004 §2.1(a),2008 annotation","Conditions, exceptions, currentness, confidence":"High agency interpretation. Not a blanket clearance of all education, credit-repair, lead-generation, or legal-advice models."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C014","Precise assertion":"Statutory debtor definition lacks an express consumer-purpose limitation; entity-only corporate coverage is unresolved against the regulation’s different wording.","Sources and pinpoints":"S001 §1(d); S004 §1.1","Conditions, exceptions, currentness, confidence":"Qualified inference / held entity boundary. Individual business debts are not automatically excluded."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C015","Precise assertion":"Opinion36 found the described nonlawyer commercial debt-resolution services for litigants unauthorized practice.","Sources and pinpoints":"S023 facts and concluding paragraphs","Conditions, exceptions, currentness, confidence":"High bounded opinion. Not a universal corporate-debt/DACCA holding."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C016","Precise assertion":"The2009 amendments permit remote eligible providers while requiring licensing/registration of locations serving NJ-resident debtors.","Sources and pinpoints":"S007 pp.8–9, §§2.2,2.3; S008","Conditions, exceptions, currentness, confidence":"High adopted text. Does not clear all foreign-country, choice-of-law, or other-jurisdiction issues."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C017","Precise assertion":"High-cost home-loan counseling uses separate registration, including nonprofit/HUD/non-affiliation conditions; an adjustment license alone is insufficient for that certification activity.","Sources and pinpoints":"S004 §2.1(b),(d),§2.2(e)–(h)","Conditions, exceptions, currentness, confidence":"High rule. Registration is not general settlement authorization."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C018","Precise assertion":"Adjustment-fee base is client gross monthly income; a client may be a single family unit.","Sources and pinpoints":"S004 §1.1,§1.2(a)1","Conditions, exceptions, currentness, confidence":"High text. Irregular income, nonclient-spouse income, month conventions, and rounding are not resolved."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C019","Precise assertion":"Licensed nonprofit adjustment fees cannot exceed1% of gross monthly client income or$25 in one month; waiver is discretionary.","Sources and pinpoints":"S004 §1.2(a)1; S010","Conditions, exceptions, currentness, confidence":"High text/readoption chain. Numerical ceiling does not establish earning or collection date."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C020","Precise assertion":"Licensee counseling fees cannot exceed$60 in one month, including counseling setup and maintenance.","Sources and pinpoints":"S004 §1.2(a)2; S005 p.3","Conditions, exceptions, currentness, confidence":"High. Not a separate$60 adjustment enrollment allowance."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C021","Precise assertion":"The historical$15 statute permits regulatory variation; the read rule is$25. A$35 request and automatic CPI mechanism were not adopted in the2003 response.","Sources and pinpoints":"S012 bill§6; S027 §4; S004 §1.2; S005 pp.3–5","Conditions, exceptions, currentness, confidence":"High regulation/history; official current§6 retrieval held. No invented indexed amount."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C022","Precise assertion":"No separate per-debt/savings/program fee allowance or automatic$85 combined charge was established.","Sources and pinpoints":"S004 §1.2; S005 p.3; S006 p.5","Conditions, exceptions, currentness, confidence":"Qualified negative finding. Monthly category maxima do not reset per creditor; allocation of genuine separate services remains held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C023","Precise assertion":"A written fee statement must precede any licensee adjustment or counseling service.","Sources and pinpoints":"S004 §1.2(b)","Conditions, exceptions, currentness, confidence":"High. Disclosure timing does not affirmatively authorize advance receipt."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C024","Precise assertion":"Licensees must disburse received debtor funds to creditors within10days, less permitted fees.","Sources and pinpoints":"S013 §3(a); S004 §2.6(a)1; S006 pp.8–9","Conditions, exceptions, currentness, confidence":"High. Not a fee-earning clock or general settlement-savings custody authorization."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C025","Precise assertion":"A universal state-only advance-fee trigger and cancellation-proration formula were not established.","Sources and pinpoints":"S004 §§1.2,2.6 and full retrieved chapter; S013 §3","Conditions, exceptions, currentness, confidence":"Held. Absence of a formula proves neither advance permission nor full retention."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C026","Precise assertion":"Exempt legal fees remain subject to reasonable-fee, written-term, permissible-contingency, and unearned-advance refund requirements.","Sources and pinpoints":"S024 RPC1.5(a)–(c),1.16(d); S003 p.37n.17","Conditions, exceptions, currentness, confidence":"Qualified by official-current-rules retrieval gap. No debt-specific percentage or advance arrangement approved."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C027","Precise assertion":"Incorporated HUD fee rules require reasonable/service-related/no-hardship charges and prohibit intake and specified delinquency/default/homelessness counseling fees.","Sources and pinpoints":"S004 §4.2(b); S031 §7-5 pp.80–82; S032; S033(a)–(c)","Conditions, exceptions, currentness, confidence":"High relevant text. REV7 effectiveMay1,2026. Inability to pay requires free counseling;≤200%FPL calls for considering waiver/reduction, not a computed NJ fee ceiling."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C028","Precise assertion":"HUD-funded services cannot be double-charged; credit-report discounts pass through; NJ bars a second-source fee for a borrower-paid particular certification.","Sources and pinpoints":"S033(c)–(e); S031 §7-5; S004 §4.2(c)","Conditions, exceptions, currentness, confidence":"High. General contractual funding is not categorically prohibited; full conflict/sector analysis remains open."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C029","Precise assertion":"TSR applicability requires its own coverage analysis; attorneys lack a blanket exemption, and bona fide nonprofit treatment differs.","Sources and pinpoints":"S025 §§310.2(o),310.6; S026 coverage/attorney sections","Conditions, exceptions, currentness, confidence":"High rule/guidance; model-specific application qualified. Federal context only."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C030","Precise assertion":"Covered debt-relief fees require an executed debt modification agreement, first customer payment, and compliant individual-debt fee allocation.","Sources and pinpoints":"S025 §310.4(a)(5)(i)(A)–(C)","Conditions, exceptions, currentness, confidence":"High. State ceiling or exemption does not replace these federal conditions."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C031","Precise assertion":"The dedicated-account exception requires all five conditions and seven-business-day return of funds other than compliant earned fees after withdrawal request.","Sources and pinpoints":"S025 §310.4(a)(5)(ii)(A)–(E)","Conditions, exceptions, currentness, confidence":"High. Consumer-owned account deposits are distinguished from provider fee receipt."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C032","Precise assertion":"Federal compliance supplies neither a NJ license nor permission to exceed an applicable NJ fee cap.","Sources and pinpoints":"S001; S003; S004 §§1.2,2.1; S025 §310.4(a)(5)","Conditions, exceptions, currentness, confidence":"High combined legal distinction. Separate state and federal tests must both be satisfied when applicable."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C033","Precise assertion":"Actual DOBI application instructions require nonprofit/financial/leadership and related licensing documentation; relevant locations must be licensed.","Sources and pinpoints":"S016 pp.1–3; S017; S007–S008","Conditions, exceptions, currentness, confidence":"High procedure. Submission or generic form boxes do not establish eligibility or issuance."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C034","Precise assertion":"Posted new debt-adjuster application fee is$300 nonrefundable; current renewal information identifiesJune30,2027 and no renewal fee.","Sources and pinpoints":"S016 p.2; S017; S018 renewal/new-application questions","Conditions, exceptions, currentness, confidence":"High operational finding. Provider regulatory charges, not consumer fee allowances; assessments separate."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C035","Precise assertion":"An official public list exists, but a usable live-status lookup was blocked and no named provider was verified.","Sources and pinpoints":"S019 listing section; S020 failed routes","Conditions, exceptions, currentness, confidence":"High evidence-limit finding. List entries are not current status certifications."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C036","Precise assertion":"A currently linked HCHL registration packet states$100/location and HUD documentation, but retains2008 wording.","Sources and pinpoints":"S034 p.1items3,7,9,11; p.2; S035","Conditions, exceptions, currentness, confidence":"**High posted procedure; dated-form qualification.**2009 adopted location rules govern."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C037","Precise assertion":"Official current§17:16G-2/-6 and authentic1986 enrolled text were not successfully retrieved.","Sources and pinpoints":"S002; S012; S030","Conditions, exceptions, currentness, confidence":"Held authentication gap. Published judicial analysis and operative rules support the central licensing/fee findings; prefiled history text is not mislabeled enacted law."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C038","Precise assertion":"Chapter3:25 was readopted without change effectiveMar30,2022 throughMar30,2029; no later change was located in the checked index.","Sources and pinpoints":"S009–S011","Conditions, exceptions, currentness, confidence":"High readoption; bounded later search. No claim of a freshly retrieved2026 consolidated chapter."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C039","area_numbers":[348],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NJ-P1-C039","Precise assertion":"Prior reform materials do not establish present for-profit permission:2024 veto documented;2026 veto reported in reproduced release;A3489 read only as introduced text.","Sources and pinpoints":"S028 p.21; S029 pocket-veto list; S027 §§1–4,7","Conditions, exceptions, currentness, confidence":"Mixed confidence. Official2026 action history remains held; no enacted/future-effective reform assumed."},"coordinator_verification_status":"selected_support_checked_with_recorded_scope_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C040","Precise assertion":"Registered-only HCHL status does not automatically trigger the licensee$60 cap; incorporated fee restrictions and actual licensing status must be distinguished.","Sources and pinpoints":"S004 §§1.2,2.1(b),4.2; S031–S033","Conditions, exceptions, currentness, confidence":"Qualified interpretation. Dual-status/overlapping-service allocation and automatic stacking remain held."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P1-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P1-C041","Precise assertion":"The retrieved Act’s exclusions do not provide a blanket bank/credit-union/other-financial-license exemption.","Sources and pinpoints":"S001 §1(c)(2); S004 §1.1","Conditions, exceptions, currentness, confidence":"High list; qualified application. Specific institutional authority or activity-based exclusion still requires proof."},"coordinator_verification_status":"not_freshly_source_verified_in_this_review","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NJ-P1-S001","urls":["https://pub.njleg.gov/bills/2008/PL09/173_.PDF","https://pub.njleg.gov/bills/2008/PL09/173_.PDF?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S001","Title / issuer and direct literal URL":"P.L. 2009, c.173, NJ Legislature. https://pub.njleg.gov/bills/2008/PL09/173_.PDF","Pinpoint, version, effective status, and limitations":"Read, NJ enacted law. §1, p.1: §17:16G-1 definitions/exclusions. §2(f), p.2: criminal cross-reference. §3: immediate effect; approved Jan.11, 2010. Attorney wording must be read with S003. \n173_.DOC"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S002","urls":["https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046","https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046?utm_source=chatgpt.com","https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S002","Title / issuer and direct literal URL":"New Jersey Statutes, Legislature. Read section: https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/2785/3046 ; compilation notice: https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","Pinpoint, version, effective status, and limitations":"Read in part. §2C:21-19(f), lines18–19, actually retrieved. Root states compilation through P.L.2026 c.50 and J.R.1. This does not authenticate inaccessible §17:16G-2/-6 or prove absence of later enactments. \nlis.njleg.state.nj.us\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S003","urls":["https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf","https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf","https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf?utm_source=chatgpt.com","https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf?utm_source=chatgpt.com","https://business.cch.com/BFLD/AnchorLawStateNJ%28NJApp%29Op_05092025.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S003","Title / issuer and direct literal URL":"Anchor Law Firm, PLLC v. State, A-0052-23, NJ Appellate Division. Read court-issued PDF at publisher mirror: https://business.cch.com/BFLD/AnchorLawStateNJ(NJApp)Op_05092025.pdf ; official route: https://www.njcourts.gov/system/files/court-opinions/2025/a0052-23.pdf","Pinpoint, version, effective status, and limitations":"Primary judicial text read through mirror. Published May9,2025; pp.9–11 statutory framework; pp.30–38 legal-practice analysis; p.37 n.17 preserves judicial professional regulation; pp.44–45 holding, immediate effect. Official PDF/docket routes blocked; authoritative later history held. \nbusiness.cch.com\n+1"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S004","urls":["https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download","https://www.lexisnexis.com/hottopics/njcode/","https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download?utm_source=chatgpt.com","https://www.lexisnexis.com/hottopics/njcode/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S004","Title / issuer and direct literal URL":"N.J.A.C. 3:25, official State Library archival consolidation. https://dspace.njstatelib.org/bitstreams/089cccf1-e5b4-4ba5-a2bb-544eba2e2434/download","Pinpoint, version, effective status, and limitations":"Read, historical consolidation, Supp.7-21-08. §1.1 printed25-1–2; §1.2 and §2.1 printed25-3; §2.6 printed25-6; §§4.1–4.6 printed25-7–10. Use with later amendments/readoptions, not as a stand-alone 2026 edition. Current linked code route https://www.lexisnexis.com/hottopics/njcode/ did not render operative text. \ndspace.njstatelib.org\n+1"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S005","urls":["https://www.nj.gov/dobi/proposed/ad010703.pdf","https://www.nj.gov/dobi/proposed/ad010703.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S005","Title / issuer and direct literal URL":"R.2003 d.59, Debt Adjustment and Credit Counseling, DOBI final adoption. https://www.nj.gov/dobi/proposed/ad010703.pdf","Pinpoint, version, effective status, and limitations":"Read, adopted despite /proposed/ URL. p.1 effective dates; p.2 noncustodial-definition response; p.3 setup/maintenance and CPI; pp.4–5 proposed $35; pp.5–6 remote subsection not adopted. Readoption Jan7,2003; amendments Feb3,2003. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S006","urls":["https://www.nj.gov/dobi/proposed/re080721_2.pdf","https://www.nj.gov/dobi/proposed/re080721_2.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S006","Title / issuer and direct literal URL":"R.2008 d.203, Chapter 3:25 readoption with amendments, DOBI. https://www.nj.gov/dobi/proposed/re080721_2.pdf","Pinpoint, version, effective status, and limitations":"Read, final adoption. pp.3–4 federal-tax-status distinction; p.5 counseling-only/cap scope; pp.8–9 ten-day response; pp.11–12 operative amendments. Readoption June23,2008; amendments July21,2008. \nnj.gov\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S007","urls":["https://www.nj.gov/dobi/proposed/prn09_167.pdf","https://www.nj.gov/dobi/proposed/prn09_167.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S007","Title / issuer and direct literal URL":"2009 Chapter 3:25 proposed amendments, DOBI. https://www.nj.gov/dobi/proposed/prn09_167.pdf","Pinpoint, version, effective status, and limitations":"Full amendment text read. pp.8–9: §§2.2(a)13, (b), (g), 2.3(a); later pages bond and counseling amendments. Originally proposed; its text acquired adopted status through S008’s adoption without change. \nFOS09-06 rev.doc"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S008","urls":["https://www.nj.gov/dobi/proposed/aa091019.pdf","https://www.nj.gov/dobi/proposed/aa091019.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S008","Title / issuer and direct literal URL":"R.2009 d.322 final adoption, DOBI. https://www.nj.gov/dobi/proposed/aa091019.pdf","Pinpoint, version, effective status, and limitations":"Read. p.1 identifies adoption without change and Oct19,2009 effective date; responses explain removal of the New Jersey-office requirement. Authenticates S007’s operative amendments. \nfos09-re1.doc"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S009","urls":["https://www.nj.gov/dobi/proposed/rea150601.pdf","https://www.nj.gov/dobi/proposed/rea150601.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S009","Title / issuer and direct literal URL":"2015 Notice of Readoption, N.J.A.C.3:25, DOBI. https://www.nj.gov/dobi/proposed/rea150601.pdf","Pinpoint, version, effective status, and limitations":"Read, 2pp. Effective May1,2015; without amendment; expiration May1,2022. June1 publication is not the effective date. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S010","urls":["https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf","https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S010","Title / issuer and direct literal URL":"54 N.J.R.779(b), 2022 Notice of Readoption, DOBI. https://www.nj.gov/dobi/proposed/re220502njac3_25.pdf","Pinpoint, version, effective status, and limitations":"Read, banking notice on p.1. Effective Mar30,2022; without change; expiration Mar30,2029. Published May2,2022. \nnj.gov"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S011","urls":["https://www.nj.gov/dobi/adopt.htm","https://www.nj.gov/dobi/adopt.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S011","Title / issuer and direct literal URL":"Adopted Rules index, DOBI. https://www.nj.gov/dobi/adopt.htm","Pinpoint, version, effective status, and limitations":"Read as currentness support. Later entries checked; no later Chapter3:25 amendment located. An agency index is not a substitute for a complete current consolidated chapter. \nRule Adoptions"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S012","urls":["https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download","https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S012","Title / issuer and direct literal URL":"Legislative history of P.L.1986 c.184, NJ State Library. https://repo.njstatelib.org/bitstreams/675ea119-26af-4539-919b-3c9815d9b4e8/download","Pinpoint, version, effective status, and limitations":"Read as history, not authenticated enrolled law. 13pp; checklist p.1; S195 pp.2–6, including licensing and fee language; other bill/committee materials follow. Checklist identifies Dec10,1986 approval. Amendment-checkbox image could not be visually verified. \nrepo.njstatelib.org"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S013","urls":["https://pub.njleg.gov/bills/2004/PL05/287_.PDF","https://pub.njleg.gov/bills/2004/PL05/287_.PDF?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S013","Title / issuer and direct literal URL":"P.L.2005 c.287, NJ Legislature. https://pub.njleg.gov/bills/2004/PL05/287_.PDF","Pinpoint, version, effective status, and limitations":"Read enacted text. §3, pp.1–2 enacts §17:16G-9; subsection(a) ten-day disbursement. Approved Jan9,2006; effective Apr9,2006, also confirmed by S006. Other provisions were subsequently amended and are not all treated as current. \npub.njleg.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S014","urls":["https://www.nj.gov/dobi/banklicensing/debtadjuster.html","https://www.nj.gov/dobi/banklicensing/debtadjuster.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S014","Title / issuer and direct literal URL":"Debt Adjuster License, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjuster.html","Pinpoint, version, effective status, and limitations":"Read operational page. Actual main/branch application links and licensing category. Supports procedure, not statutory eligibility by itself. \nDebt Adjuster License"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S015","urls":["https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html","https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S015","Title / issuer and direct literal URL":"Debt Adjuster FAQs, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html","Pinpoint, version, effective status, and limitations":"Read. Questions2–4 address licensing/exemptions; older renewal examples also appear. Exemption list is incomplete against S001 and outdated against S003. \nDebt Adjuster License FAQs"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S016","urls":["https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf","https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S016","Title / issuer and direct literal URL":"Debt-adjuster main application/instructions, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjustapp.pdf","Pinpoint, version, effective status, and limitations":"Read current-linked packet, 10pp. Instructions pp.1–3; $300 nonprofit application fee p.2. Shared banking-form fields do not expand eligibility. Packet is procedural evidence. \n~9958551.doc\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S017","urls":["https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf","https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S017","Title / issuer and direct literal URL":"Debt-adjuster branch application, DOBI. https://www.nj.gov/dobi/banklicensing/debtadjustbranch.pdf","Pinpoint, version, effective status, and limitations":"Read current-linked packet, 3pp. Branch instructions/application and $300 fee. No filing or authorization determination made. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S018","urls":["https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm","https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S018","Title / issuer and direct literal URL":"Dedicated Funding FAQs—Debt Adjuster, DOBI. https://www.nj.gov/dobi/bankdedfund/ded_debtadjuster.htm","Pinpoint, version, effective status, and limitations":"Read operational text. 2026 reporting information; “Additional License Specific Information”: June30,2027 expiration, electronic/no-fee renewal, $300 new-application fee. Administrative dates are not consumer-fee effective dates. \nDedicated Funding FAQs - Debt Adjuster\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S019","urls":["https://www.nj.gov/dobi/division_consumers/finance/counselors.html","https://www.nj.gov/dobi/division_consumers/finance/counselors.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S019","Title / issuer and direct literal URL":"Financial Counseling Organizations, DOBI. https://www.nj.gov/dobi/division_consumers/finance/counselors.html","Pinpoint, version, effective status, and limitations":"Read actual listing. “DOBI Licensed Debt Adjusters,” starting at text line115, lists reference numbers and locations. Undated; not a live disciplinary/expiration-status certification. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S020","urls":["https://www.nj.gov/dobi/licenseesearch/licsearch.htm","https://www-dobi.state.nj.us/DOBI_LicSearch/","https://www.nj.gov/dobi/licenseesearch/licsearch.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S020","Title / issuer and direct literal URL":"DOBI public license-search service. https://www.nj.gov/dobi/licenseesearch/licsearch.htm ; https://www-dobi.state.nj.us/DOBI_LicSearch/","Pinpoint, version, effective status, and limitations":"Attempted, not substantively read. First route redirect-only; destination403. No named-provider current status established. Exact next action: obtain a readable public result for the legal entity and service location when the ordinary public route works."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S021","urls":["https://www.nj.gov/dobi/bulletins/blt08_13.pdf","https://www.nj.gov/dobi/bulletins/blt08_13.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S021","Title / issuer and direct literal URL":"Bulletin08-13, DOBI. https://www.nj.gov/dobi/bulletins/blt08_13.pdf","Pinpoint, version, effective status, and limitations":"Read historical agency interpretation, July28,2008, 2pp. Activity definition and New Jersey-resident reach. Later statutory/judicial changes govern exemptions. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S022","urls":["https://www.nj.gov/dobi/bulletins/blt08_27.pdf","https://www.nj.gov/dobi/bulletins/blt08_27.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S022","Title / issuer and direct literal URL":"Bulletin08-27, DOBI. https://www.nj.gov/dobi/bulletins/blt08_27.pdf","Pinpoint, version, effective status, and limitations":"Read historical agency interpretation, Dec19,2008, p.1. Secured/unsecured debt and mortgage-modification labeling. Does not close the later mortgage-sector pass or supply a current exemption list. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S023","urls":["https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html","https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S023","Title / issuer and direct literal URL":"UPL Committee Opinion36, Providing Debt Resolution Services to Litigants, Jan15,2001. Primary text reproduced at https://law.justia.com/cases/new-jersey/advisory-committee-on-professional-ethics/2001/cua36-1.html","Pinpoint, version, effective status, and limitations":"Read reproduced committee opinion. Facts and operative conclusion concern nonlawyers negotiating for sued business debtors. Not a general holding resolving DACCA coverage of all corporate debt. \nlaw.justia.com"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S024","urls":["https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf","https://www.njcourts.gov/sites/default/files/rpc.pdf","https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S024","Title / issuer and direct literal URL":"NJ Rules of Professional Conduct, publisher’s rule-text reprint. https://www.gannlaw.com/OnlineApp/dtSearch-Data/TextFiles/CourtRules/P1-02.pdf ; official attempted route https://www.njcourts.gov/sites/default/files/rpc.pdf","Pinpoint, version, effective status, and limitations":"Relevant rule text read through reprint. RPC1.5 PDFp.5;1.16(d) p.13;5.4 pp.20–21. §1.5(b) amendment note: effective Apr1,2025. Official PDF403; complete official currentness held. \ngannlaw.com\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S027","urls":["https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM","https://www.njleg.state.nj.us/bill-search/2026/A3489","https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","https://www.njleg.state.nj.us/bill-search/2026/A3489?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S027","Title / issuer and direct literal URL":"A3489, 2026 introduced text, NJ Legislature. https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM ; status route https://www.njleg.state.nj.us/bill-search/2026/A3489","Pinpoint, version, effective status, and limitations":"Bill text read; status route navigation-only. §§1–4 proposed for-profit eligibility/fees; §7 proposed effect on180th day after enactment. Header says introduced/pending technical review. Not treated as enacted or future-effective law. \npub.njleg.gov\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S028","urls":["https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download","https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S028","Title / issuer and direct literal URL":"Governor’s Jan16,2024 legislative-action release, archived by NJ State Library in another chapter’s history packet. https://repo.njstatelib.org/bitstreams/b199fb97-0f6e-4c43-8097-8dbea69c36cd/download","Pinpoint, version, effective status, and limitations":"Archived primary release read. PDFpp.19–21; p.21 lists S2989/A1739 among pocket vetoes. The enclosing P.L.2023 c.270 packet is not itself a debt-adjuster reform enactment. \nrepo.njstatelib.org"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S029","urls":["https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/","https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S029","Title / issuer and direct literal URL":"Governor Murphy Takes Action on Legislation, Jan20,2026 release reproduced by InsiderNJ. https://www.insidernj.com/press-release/governor-murphy-takes-action-on-legislation-53/","Pinpoint, version, effective status, and limitations":"Reproduced release body read. Pocket-veto list includes S1310/A4598, text lines178–182. Original official release/action record was not successfully read; provenance/current-status qualification retained. \nInsider NJ"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S030","urls":["https://pub.njleg.gov/statutes/","https://pub.njleg.gov/statutes/STATUTES-TEXT.zip","https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29","https://pub.njleg.gov/statutes/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S030","Title / issuer and direct literal URL":"Official downloadable-statutes index, NJ Legislature. https://pub.njleg.gov/statutes/ ; archive https://pub.njleg.gov/statutes/STATUTES-TEXT.zip","Pinpoint, version, effective status, and limitations":"Index read; archive not read. Root check listed archive dated Oct22,2026. Public-web opening returned unsupported ZIP content type. Title17 table route https://lis.njleg.state.nj.us/nxt/gateway.dll/LCTOC/2/29 also failed. Exact next source: official archive’s §17:16G-2/-6 text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S034","urls":["https://www.nj.gov/dobi/banklicensing/highcostapp.pdf","https://www.nj.gov/dobi/banklicensing/highcostapp.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S034","Title / issuer and direct literal URL":"High-cost home-loan credit-counseling registration packet, DOBI. https://www.nj.gov/dobi/banklicensing/highcostapp.pdf","Pinpoint, version, effective status, and limitations":"Read, 4pp. p.1 instructions1–11, including HUD approval and $100/location; p.2 registration form. Marked 3/08. Currently linked but contains pre-2009 office wording; later rule controls. \nnj.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S035","urls":["https://www.nj.gov/dobi/formlist.htm","https://www.nj.gov/dobi/formlist.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S035","Title / issuer and direct literal URL":"Industry Forms and Applications, DOBI. https://www.nj.gov/dobi/formlist.htm","Pinpoint, version, effective status, and limitations":"Relevant operational section read. Banking licensing section, text lines15–28, currently links debt-adjuster and high-cost counselor packets. Used to establish the public application route, not legal permission. \nIndustry Forms and Applications"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S025","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2?utm_source=chatgpt.com","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S025","Title / issuer and direct literal URL":"16 C.F.R. Part310, FTC/eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 ; https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Pinpoint, version, effective status, and limitations":"Relevant operative text read. §§310.4(a)(5)(i)(A)–(C), (ii)(A)–(E);310.2(o);310.6 exemptions. Displayed current through Oct21,2026. eCFR is authoritative but unofficial. Federal common context; not New Jersey market permission. \necfr.gov\n+2"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S026","urls":["https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S026","Title / issuer and direct literal URL":"Debt Relief Services & the TSR: A Guide for Business, FTC. https://www.ftc.gov/business-guidance/resources/debt-relief-services-telemarketing-sales-rule-guide-business","Pinpoint, version, effective status, and limitations":"Relevant guide passages read. Coverage/nonprofit discussion, attorney question, collecting-fees section. Staff guidance supports scope interpretation; exact operative timing comes from S025. \nFederal Trade Commission\n+1"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S031","urls":["https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf","https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S031","Title / issuer and direct literal URL":"HUD Housing Counseling Program Handbook7610.1 REV-7. https://www.hud.gov/sites/default/files/hudclips/documents/76101HSGHBK.pdf","Pinpoint, version, effective status, and limitations":"Relevant sections read, not all180pp. §3-9 p.37; §§7-3–7-6 pp.79–82; especially §7-5 fee conditions. Footer03/2026; effective date established by S032. Incorporated by NJ§3:25-4.2(b). \nhud.gov\n+1"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NJ-P1-S032","urls":["https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf","https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S032","Title / issuer and direct literal URL":"HUD Handbook7610.1 REV-7 transmittal. https://www.hud.gov/sites/default/files/hudclips/documents/76101TRNSHSG.pdf","Pinpoint, version, effective status, and limitations":"Entire4pp read. p.1 and pp.3–4: effective May1,2026, supersedesREV6-1. Does not establish New Jersey licensure. \nhud.gov"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P1-S033","urls":["https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313","https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P1-S033","Title / issuer and direct literal URL":"24 C.F.R. §214.313, Housing counseling fees, HUD/eCFR. https://www.ecfr.gov/current/title-24/subtitle-B/chapter-II/subchapter-B/part-214/subpart-D/section-214.313","Pinpoint, version, effective status, and limitations":"Entire§(a)–(e) read. Reasonableness, disclosure, intake, hardship, duplicate funding, credit-report cost/discounts, lender payments. Displayed current through Oct21,2026; no fixed dollar ceiling in this section. \necfr.gov"},"coordinator_verification_status":"selected_passages_checked_only_see_review","coordinator_review":"[internal evidence reference]"}],"coverage":[{"topic":"Principal reduction versus concessions/DMP","researcher_record":{"Component":"Principal reduction versus concessions/DMP","Status":"Answered","Claims":"C001–C002","Exact missing evidence / next investigation":"Apply the verified activity test to a specified service flow if one is later supplied."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Custodial versus noncustodial coverage","researcher_record":{"Component":"Custodial versus noncustodial coverage","Status":"Answered for classification; partial for custody design","Claims":"C001,C024","Exact missing evidence / next investigation":"Later funds pass must test account ownership/control, receipt, disbursement, and recordkeeping for the actual architecture."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary nonprofit versus for-profit access","researcher_record":{"Component":"Ordinary nonprofit versus for-profit access","Status":"Answered under retrieved scheme; current statutory authentication gap","Claims":"C003–C005,C037,C039","Exact missing evidence / next investigation":"Retrieve official current§17:16G-2/-6 from the Legislature’s text archive or readable section gateway; complete official2026 legislative history."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney exemption","researcher_record":{"Component":"Attorney exemption","Status":"Answered holding; later history unresolved","Claims":"C006–C007","Exact missing evidence / next investigation":"Obtain an authoritative post-May9,2025 appellate/Supreme Court docket record, including any stay, certification, reversal, or later order."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Nonprofit/entity eligibility","researcher_record":{"Component":"Nonprofit/entity eligibility","Status":"Answered core conditions","Claims":"C005","Exact missing evidence / next investigation":"Named entity verification would require actual incorporation, governance, license, and location evidence; none was undertaken."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Employee, court/law, creditor, loan exclusions","researcher_record":{"Component":"Employee, court/law, creditor, loan exclusions","Status":"Answered statutory conditions","Claims":"C008–C011","Exact missing evidence / next investigation":"Any claimed exemption needs the actual employment, order, statutory authority, creditor relationship, or loan-disbursement facts."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"HUD/NJHMFA exclusion","researcher_record":{"Component":"HUD/NJHMFA exclusion","Status":"Answered statutory conditions","Claims":"C012","Exact missing evidence / next investigation":"Verify actual HUD status, NJHMFA-approved participation, and no holding/disbursement for a named organization."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Education-only model","researcher_record":{"Component":"Education-only model","Status":"Answered narrow nonprofit interpretation; other hybrids partial","Claims":"C013","Exact missing evidence / next investigation":"Identify actual creditor communications, compensation, legal advice, credit-repair claims, and referral functions before classifying a hybrid."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Individual business-purpose and entity-only debt","researcher_record":{"Component":"Individual business-purpose and entity-only debt","Status":"Partial / entity boundary held","Claims":"C014–C015","Exact missing evidence / next investigation":"Locate controlling interpretation reconciling statutory “individual” with regulatory “person”; distinguish corporate-only obligations from individual guarantees."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Remote-provider resident nexus","researcher_record":{"Component":"Remote-provider resident nexus","Status":"Answered for adopted NJ-resident/location rule","Claims":"C016","Exact missing evidence / next investigation":"Foreign-country operations, conflicts of law, and additional jurisdictions remain unreviewed."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary numerical consumer fee caps","researcher_record":{"Component":"Ordinary numerical consumer fee caps","Status":"Answered through operative/readoption chain","Claims":"C018–C021,C038","Exact missing evidence / next investigation":"Retrieve current consolidated Chapter3:25 and verify any later adopted amendment or fee notice; no CPI amount to compute."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Income composition, month convention, rounding","researcher_record":{"Component":"Income composition, month convention, rounding","Status":"Partial","Claims":"C018","Exact missing evidence / next investigation":"Find a published DOBI interpretation or controlling case addressing irregular income, nonclient spouses, billing-period boundaries, and fractional cents."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Setup/per-debt/savings fees and $85 combination","researcher_record":{"Component":"Setup/per-debt/savings fees and $85 combination","Status":"Partial; automatic additions held","Claims":"C020–C022,C040","Exact missing evidence / next investigation":"Find authoritative allocation guidance for genuine separate counseling and adjustment services; do not assume a bundled entitlement."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"State request/receipt trigger","researcher_record":{"Component":"State request/receipt trigger","Status":"Partial","Claims":"C023–C025","Exact missing evidence / next investigation":"Test a concrete agreement and service-performance sequence against current state law and controlling interpretations; no universal advance-fee permission established."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Cancellation, retention, refund, credit","researcher_record":{"Component":"Cancellation, retention, refund, credit","Status":"Partial / exact state formula held","Claims":"C025–C026,C031","Exact missing evidence / next investigation":"Complete agreement/performance, consumer-protection, refund, and attorney-fee authorities; distinguish consumer-owned account returns from fee refunds."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Incorporated housing-counseling fees","researcher_record":{"Component":"Incorporated housing-counseling fees","Status":"Answered relevant fee clauses; broader sector open","Claims":"C027–C028,C040","Exact missing evidence / next investigation":"Complete high-cost-loan statutory triggers, current loan-classification thresholds, conflicts, HECM exceptions, and certification/registration details in the sector pass."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Federal TSR timing","researcher_record":{"Component":"Federal TSR timing","Status":"Answered as conditional common context","Claims":"C029–C032","Exact missing evidence / next investigation":"Determine actual telemarketing, entity, transaction, and exemption facts before applying it to a provider."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current public application procedure","researcher_record":{"Component":"Current public application procedure","Status":"Answered, with dated-form qualifications","Claims":"C033–C034,C036","Exact missing evidence / next investigation":"Reconcile any future filing-specific procedural changes through readable official instructions; no filing requested or performed."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider public status","researcher_record":{"Component":"Named-provider public status","Status":"Unresolved / not asserted","Claims":"C035","Exact missing evidence / next investigation":"Reopen ordinary live DOBI search when accessible; match legal entity, reference number, licensed location, license type, current term, and disciplinary status."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Current enacted reform status","researcher_record":{"Component":"Current enacted reform status","Status":"Partial","Claims":"C037–C039","Exact missing evidence / next investigation":"Read official S1310/A4598 final action and full2026 A3489 history/enrolled-law records; the current official bill-status route rendered navigation only."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Worked calculations","researcher_record":{"Component":"Worked calculations","Status":"Answered within stated assumptions","Claims":"C018–C032,C040","Exact missing evidence / next investigation":"No arithmetic is used to supply missing permission, timing, income, or refund law."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Agreements and full cancellation/contract requirements","researcher_record":{"State-dossier category":"Agreements and full cancellation/contract requirements","Status after this pass":"Open; excluded except fee disclosure/refund boundary","Exact next investigation":"Read all applicable agreement, cancellation, performance, consumer-contract, and disclosure provisions and their controlling decisions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Funds, trust accounts, bonds, audits","researcher_record":{"State-dossier category":"Funds, trust accounts, bonds, audits","Status after this pass":"Open; only classification and ten-day disbursement addressed","Exact next investigation":"Complete§17:16G-5/-9 and§3:25-2.4–2.6, including bond tiers, custody, account controls, records, and audits."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Remedies and enforcement","researcher_record":{"State-dossier category":"Remedies and enforcement","Status after this pass":"Open; only licensing offense identified","Exact next investigation":"Complete administrative, civil, criminal, restitution, Consumer Fraud Act, private-action, and remedy-interaction analysis."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Collection and litigation","researcher_record":{"State-dossier category":"Collection and litigation","Status after this pass":"Open; only Opinion36 boundary addressed","Exact next investigation":"Investigate collector regulation, collection conduct, court process, judgments, enforcement, and applicable federal interaction."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Limitations, accrual, revival, acknowledgment","researcher_record":{"State-dossier category":"Limitations, accrual, revival, acknowledgment","Status after this pass":"Open","Exact next investigation":"Establish debt-specific limitations and revival rules, choice-of-law issues, and controlling case law."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Exemptions, garnishment, execution","researcher_record":{"State-dossier category":"Exemptions, garnishment, execution","Status after this pass":"Open","Exact next investigation":"Establish state and federal exemption protections, wage/bank execution rules, procedures, and exceptions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Secured debt and mortgage/foreclosure law","researcher_record":{"State-dossier category":"Secured debt and mortgage/foreclosure law","Status after this pass":"Open; narrow housing-fee incorporation addressed","Exact next investigation":"Complete secured-debt remedies, foreclosure-assistance/consultant regulation, mortgage-relief timing, and high-cost-loan statutory coverage."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Sector-specific debt","researcher_record":{"State-dossier category":"Sector-specific debt","Status after this pass":"Open","Exact next investigation":"Separate medical, student, tax, support, commercial-finance, and other relevant sector rules."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Local and tribal issues","researcher_record":{"State-dossier category":"Local and tribal issues","Status after this pass":"Open","Exact next investigation":"Identify applicable local requirements and tribal/federal jurisdiction or preemption questions for the actual operating facts."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Contract enforceability, arbitration, forum, choice of law","researcher_record":{"State-dossier category":"Contract enforceability, arbitration, forum, choice of law","Status after this pass":"Open","Exact next investigation":"Read applicable statutes and controlling decisions; assess actual terms when provided without private borrower data."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"Full case-law coverage","researcher_record":{"State-dossier category":"Full case-law coverage","Status after this pass":"Open","Exact next investigation":"Expand beyond the targeted Anchor and Opinion36 authorities, including later history and contrary/distinguishing decisions."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"},{"topic":"State/A066 acceptance","researcher_record":{"State-dossier category":"State/A066 acceptance","Status after this pass":"Not granted or implied","Exact next investigation":"Complete the remaining components and their evidence/acceptance requirements separately."},"coordinator_acceptance":"reviewed_component_and_later_category_row_all_material_gaps_open","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}