{"meta":{"key":"s_nj--pass-02","task":"S_NJ","title":"SNJ Current market-access / fee-authority authentication only","parent_title":"New Jersey debt and debt relief law","edition":"pass-02","path":"/research/s_nj--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-24","tables":6,"claims":10,"sources":11,"review_status":"revise","review_complete":true,"sha256":"9e05b7cf61ad769395aa3eebbec0fa3153128a90e6d9cd4053576c70d66828f5","headings":["A. Findings","1. Current N.J.S.A. 17:16G-2","2. Current N.J.S.A. 17:16G-6","3. What happened to the 2024–25 for-profit reform bill, and did it amend §§2 or 6 in 2026?","4. Anchor Law, A-0052-23 — official later docket/status after May 9, 2025"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Medium","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NJ/pass-02","facets":{"geography":["us","us-nj"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"ONLY current market-access/fee-authority authentication: (1) obtain readable official currentN.J.S.A.17:16G-2 and17:16G-6 with exact provenance/version, and verify any material2026 enacted amendment affecting those clauses; (2) obtain an actual official later appellate/SupremeCourt docket/status/order for AnchorLawA-0052-23 afterMay9,2025, including any stay/certification/reversal/disposition. Existing45page court-issued PDF on CCH was freshly read by coordinator throughpp44-45; do not repeat its holding as new work. Official Legislature downloadableSTATUTES-TEXT.zip was a real observed lead but unsupported by the prior ordinary web reader; a readable official public alternative or authenticated section/enactment chain is needed, no API/login/access workaround. SourceS029 reproduced2026 release is not official action history. Do not rerun allNJ classification, ordinary fee examples/HUD/TSR, old readoption chain, or named-provider/contract/funds research. Keep those distinct gaps open. If a needed route remains inaccessible, give exact route/results and a materially new usable next source, not invented current text.","pending_corrections":0},"markdown":"# S_NJ PASS-02 — Current market-access / fee-authority authentication only\n\n**Baseline carried forward:** October 22, 2026 Pacific.\n**Actual access date for this pass:** **October 24, 2026 Pacific.**\n\nThis pass does **not** rerun PASS-01. It addresses only: **(1)** authentication of current N.J.S.A. 17:16G-2 and 17:16G-6 plus any material 2026 enacted amendment affecting them; and **(2)** post-May 9, 2025 official status for *Anchor Law Firm, PLLC v. State*, A-0052-23.\n\n## A. Findings\n\n### 1. Current N.J.S.A. 17:16G-2\n\nI was **not able to obtain a directly rendered official current section page for §17:16G-2** from the Legislature's current statute gateway. The official statutes root did render and identifies the compilation as **“UPDATED THROUGH P.L.2026, c.50, and J.R.1”**, but the direct Title 17 TOC route failed in the ordinary reader. [New Jersey Legislature](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1)\n\nThe material authentication gap can nevertheless be substantially resolved through an **official enactment/current-legislative-text chain**, rather than through a secondary code publisher.\n\nThe Legislature's official 2026 bill A3489 says it is **“Pre-filed for introduction in the 2026 session”** and “Introduced Pending Technical Review by Legislative Counsel.” It then identifies §2 as **“Section 2 of P.L.1979, c.16 (C.17:16G-2)”** and displays the pre-amendment statutory text using New Jersey legislative amendment notation. The proposed new words “or a for-profit debt adjuster” are additions; the unchanged baseline is:\n\n“No person other than a nonprofit social service agency [or], a nonprofit consumer credit counseling agency … shall act as a debt adjuster.”\n\nIt likewise displays the existing license requirement and existing subsection (c), “A licensee is authorized to offer credit counseling,” and expressly identifies the prior source as **“P.L.1986, c.184, s.2.”** [New Jersey Legislature](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM)\n\nThe preceding Legislature's official second reprint of S1310 independently shows the same baseline and the same **P.L.1986, c.184, s.2** source notation; the for-profit language is visibly proposed language rather than existing law. [New Jersey Legislature](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM)\n\n**PASS-02 conclusion for §17:16G-2:** the current statutory baseline authenticated by these official legislative materials remains the nonprofit-only framework reflected in PASS-01. No material 2026 enactment adding ordinary for-profit debt adjusters to §17:16G-2 was verified. **[S_NJ-P2-C001–C003]**\n\nThis is stronger than PASS-01's former “official current §2 retrieval held,” but it is important to preserve the provenance distinction: **I authenticated the current wording through official legislative amendment texts plus the current statutes compilation/version, not through a directly readable current §17:16G-2 code page.**\n\n### 2. Current N.J.S.A. 17:16G-6\n\nThe same direct-current-section rendering problem remains for §17:16G-6, but the official legislative-text chain is especially clear.\n\nS1310's official second reprint states:\n\n- §6(a): a licensee may charge a fee covering the cost of debt adjustment and credit counseling.\n- §6(b): the nonprofit debt-adjustment fee may not exceed **1% of gross monthly income** and, statutorily, **$15 in any one month**, “except as may be otherwise provided by rule or regulation promulgated by the commissioner”; waiver is discretionary.\n- §6(c): the Commissioner is authorized to establish the maximum fee for nonprofit credit counseling.\n- The bill then proposes a **new subsection (d)** authorizing maximum fees for for-profit debt adjusters.\n- It identifies the existing section's source as **P.L.1986, c.184, s.4**. [New Jersey Legislature](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM)\n\nThe 2026 A3489 text again reproduces the same existing §6(b) and (c), proposes the same new for-profit subsection (d), and identifies **P.L.1986, c.184, s.4** as the prior law. [New Jersey Legislature](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM)\n\nThat resolves the specific PASS-01 authentication concern behind C021: the **statutory $15 figure and express regulatory-override authority are authenticated in current official legislative materials**. PASS-02 does **not** re-investigate the separate operative regulatory $25 figure; that remains carried from PASS-01's already-reviewed regulation/adoption chain rather than relabeled as new work.\n\n**PASS-02 conclusion for §17:16G-6:** no enacted 2026 amendment changing the existing statutory fee clauses was verified. The proposed for-profit subsection remained proposal language in the official material reviewed. **[S_NJ-P2-C004–C005]**\n\n### 3. What happened to the 2024–25 for-profit reform bill, and did it amend §§2 or 6 in 2026?\n\nThis part can now be separated into two questions.\n\n#### Enactment effect: resolved\n\nThe official January 12, 2026 Legislative Digest shows S1310, second reprint, passing with a **68-1-0** vote. [New Jersey Legislature](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm)\n\nMore importantly, the same official digest expressly lists **S1310** under the heading **“Bills Passed Both Houses/Sent To Governor.”** [New Jersey Legislature](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm)\n\nThe bill itself would have amended §§17:16G-2 and -6 to admit certain for-profit debt adjusters and create additional fee-setting authority. [New Jersey Legislature+1](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM)\n\nYet the new 222nd Legislature's A3489, introduced for the 2026 session, again proposes those very changes as amendments to existing law and again identifies the existing §2 and §6 sources as P.L.1986, c.184, ss.2 and 4. [New Jersey Legislature+1](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM)\n\nCombined with the Legislature's current statutes compilation being updated through **P.L.2026, c.50**, this is strong official evidence that S1310 **did not become an enactment amending §§17:16G-2 or -6**. [New Jersey Legislature](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1)\n\nSo the consequential legal question is resolved: **there is no authenticated 2026 enacted amendment from S1310 creating an ordinary for-profit licensing pathway or altering §6's existing fee-authority clauses. [S_NJ-P2-C006]**\n\n#### Exact gubernatorial disposition label: still held\n\nI did **not** obtain a readable official Governor or Legislature action-history page that affirmatively labels S1310 **“Pocket Veto”** or supplies its exact gubernatorial disposition date.\n\nPASS-01's reproduced January 2026 release and third-party status sources are therefore **not upgraded to primary authentication here**. It is safe to say from primary evidence that:\n\n1. S1310 passed both houses and went to the Governor on the legislative record; and\n2. it did **not** become a current amendment to §§17:16G-2 or -6.\n\nIt is **not** safe from the newly read primary evidence to convert the exact disposition into “officially verified pocket veto on January 20, 2026.” That narrower action-history fact remains held. **[S_NJ-P2-C007]**\n\nA3489 itself is expressly an **introduced** 222nd Legislature bill, not an enactment; its proposed for-profit changes therefore cannot be treated as current law. [New Jersey Legislature](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM)\n\n### 4. *Anchor Law*, A-0052-23 — official later docket/status after May 9, 2025\n\nI did **not** rerun or reinterpret the 45-page appellate holding. The coordinator's supplied reading of pages 44–45 remains the PASS-01 foundation.\n\nFresh official NJ Courts material confirms that:\n\n- The case remains indexed as **A-0052-23, Anchor Law Firm, PLLC, et al. v. State of New Jersey, et al.**\n- The official case page identifies the Appellate Division case number and says it was argued **April 7, 2025**. [New Jersey Courts](https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com)\n- NJ Courts' published-opinions index continues to identify it as a **Published Appellate** decision dated **May 9, 2025**. [New Jersey Courts+1](https://www.njcourts.gov/attorneys/opinions/published-appellate?block_config_key=published_appellate_court_opinions_block%3AZXILa9m2pgFHpQ7GSXtr41D52fBbJnkVDFNY3nS6E6I&page=3&utm_source=chatgpt.com)\n\nI ran bounded searches of the official NJ Courts domain for the party name and A-number together with Supreme Court/certification concepts. They did **not surface an official post-May 9, 2025 Supreme Court docket, certification grant/denial, stay, reversal, or later disposition**.\n\nThat negative search result is **not evidence that no petition was filed or that no later order exists**. The appellate A-number cannot simply be assumed to be a Supreme Court docket number.\n\nThe direct official case page also returned **403 Forbidden** when opened through the ordinary reader, even though NJ Courts' indexed public case record is visible. (Website Name Missing)\n\nAccordingly:\n\n**PASS-02 cannot upgrade the May 9, 2025 *Anchor* holding to “final,” “unappealed,” “certification denied,” or “unreversed.” No official later order was found, but the official later-status question remains unresolved. [S_NJ-P2-C008–C009]**\n\nThe materially useful next public source is **an NJ Courts Supreme Court docket/order record keyed to the party names, once a Supreme Court docket identifier can be surfaced**, followed by any certification/stay/disposition order attached to that record. Merely re-opening the Appellate opinion or its briefs would not resolve this gap.\n\n# B. PASS-02 source register\n\nAll sources below were accessed or attempted **October 24, 2026 Pacific**. Links are to the direct public destinations surfaced in this pass.\n\n| Source ID | Source / issuer | Exact material read and status | Jurisdiction / limitations |\n| --- | --- | --- | --- |\n| **S_NJ-P2-S001** | New Jersey General and Permanent Statutes, Legislature. [Current statutes compilation](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com) | Official root actually opened. States compilation is **updated through P.L.2026, c.50 and J.R.1**. [New Jersey Legislature](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1) | Official current-version provenance, but root does not itself reproduce §§17:16G-2/-6. |\n| **S_NJ-P2-S002** | A3489, 222nd Legislature, NJ Legislature. [Official A3489 introduced text](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com) | **Freshly read.** Lines 38–45 identify introduced/pending-technical-review status. Lines 62–69 display proposed amendment to §17:16G-2 and identify existing source as P.L.1986,c.184,s.2. [New Jersey Legislature](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM) | Primary legislative proposal, **not enacted law**. Useful to authenticate baseline text through formal amendment notation. |\n| **S_NJ-P2-S003** | A3489, same document, §6 portion. [Official A3489 introduced text](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com) | **Freshly read.** Lines 92–97 reproduce existing nonprofit §6(b)–(c), propose new (d), and cite P.L.1986,c.184,s.4. Lines 129–130 contain proposed effective clause. [New Jersey Legislature](https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM) | Same proposal-status limitation; no enacted effect inferred. |\n| **S_NJ-P2-S004** | S1310, Second Reprint, 221st Legislature, NJ Legislature. [Official S1310 2R text](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com) | **Freshly read.** Lines 53–59 establish version. Lines 84–90 show proposed §17:16G-2 amendment and P.L.1986,c.184,s.2 provenance. [New Jersey Legislature](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM) | Passed-bill text, but not itself proof of enactment. Amendment notation distinguishes proposed words from baseline. |\n| **S_NJ-P2-S005** | S1310, same document, §6 portion. [Official S1310 2R text](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com) | **Freshly read.** Lines 110–118 reproduce §6(a)–(c), proposed new subsection (d), and P.L.1986,c.184,s.4 provenance. Lines 147–151 show proposed federal-conflict and effective-date provisions. [New Jersey Legislature](https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM) | Primary bill text, not proof those proposed additions became law. |\n| **S_NJ-P2-S006** | NJ Legislative Digest, Jan. 12, 2026. [Official January 12 Legislative Digest](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com) | **Freshly read.** Line 1941 records S1310 vote **68-1-0**. [New Jersey Legislature](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm) | Official legislative proceeding evidence. |\n| **S_NJ-P2-S007** | Same Jan. 12 Legislative Digest. [Official January 12 Legislative Digest](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com) | **Freshly read.** Heading at line3052: “Bills Passed Both Houses/Sent To Governor”; line3095 lists S1310. [New Jersey Legislature](https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm) | Establishes passed-and-sent status, not ultimate gubernatorial disposition. |\n| **S_NJ-P2-S008** | NJ Courts case page, A-0052-23. [Official Anchor Law case page](https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com) | Official indexed case record surfaced: party name, A-0052-23, briefs, argued Apr.7,2025. [New Jersey Courts](https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com) | Direct ordinary open returned403; no post-decision status field was exposed in the indexed record. |\n| **S_NJ-P2-S009** | NJ Courts Published Appellate Opinions index. [Official published Appellate opinions index](https://www.njcourts.gov/attorneys/opinions/published-appellate?utm_source=chatgpt.com) | **Fresh official indexed material read.** Lists *Anchor* as Published Appellate, A-0052-23, May9,2025. [New Jersey Courts](https://www.njcourts.gov/attorneys/opinions/published-appellate?block_config_key=published_appellate_court_opinions_block%3AZXILa9m2pgFHpQ7GSXtr41D52fBbJnkVDFNY3nS6E6I&page=3&utm_source=chatgpt.com) | Confirms appellate publication/date, not Supreme Court later history. |\n| **S_NJ-P2-S010** | NJ Courts Opinion Summaries. [Official opinion summaries index](https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com) | Official record identifies May9,2025 *Anchor* decision and Appellate classification. [New Jersey Courts](https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com) | No later certification/stay/disposition data shown. |\n| **S_NJ-P2-S011** | NJ Courts A-0052-23 briefs PDF. [Official appellate briefs bundle](https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com) | Official indexed PDF surfaced. [New Jersey Courts](https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com) | Pre-decision appellate briefs; not evidence of post-May9 Supreme Court disposition. Not used to rerun merits. |\n\n# C. Material PASS-02 claim register\n\n| Claim ID | Precise assertion | Source IDs / pinpoint | Conditions, currentness, confidence limits |\n| --- | --- | --- | --- |\n| **S_NJ-P2-C001** | The Legislature's current statutes compilation accessed this pass is updated through **P.L.2026,c.50 and J.R.1**. | S001, root lines0–1 | **High.** Does not itself expose section text. |\n| **S_NJ-P2-C002** | Official 2026 legislative text treats §17:16G-2's nonprofit-only clauses as existing baseline law and proposes adding “for-profit debt adjuster”; it cites **P.L.1986,c.184,s.2** as the prior source. | S002 lines62–69; S004 lines84–90 | **High as legislative-text authentication.** Direct current code page still inaccessible. |\n| **S_NJ-P2-C003** | No material 2026 enacted amendment adding ordinary for-profit debt adjusters to current §17:16G-2 was verified; A3489 is expressly introduced/pending, not enacted. | S001; S002 lines38–45,62–69; S006–S007 | **High on no verified enacted change;** exact full official codification page still unavailable. |\n| **S_NJ-P2-C004** | Official legislative text authenticates existing §17:16G-6(a)–(c), including the statutory 1%/$15 language, regulatory-override clause, discretionary waiver, and Commissioner credit-counseling fee authority; prior source is **P.L.1986,c.184,s.4**. | S003 lines92–97; S005 lines110–118 | **High as legislative-text authentication.** This pass does not reverify the separate $25 regulation. |\n| **S_NJ-P2-C005** | Proposed subsection §6(d), authorizing fee maxima for for-profit debt adjusters, is proposal language rather than authenticated current law. | S003 lines92–97; S005 lines110–118 | **High.** A3489 is introduced only; S1310 did not enter current codified law based on the chain below. |\n| **S_NJ-P2-C006** | S1310 passed both houses and was sent to the Governor, but no resulting amendment to §§17:16G-2/-6 became authenticated current law; the 2026 Legislature again introduced those amendments as A3489. | S006 line1941; S007 lines3052,3095; S002–S005; S001 | **High consequential conclusion.** Exact gubernatorial disposition nomenclature/date remains separately held. |\n| **S_NJ-P2-C007** | This pass did not obtain a primary official action-history record establishing the exact S1310 pocket-veto disposition/date. | S006–S007 plus failed-route record below | **Held narrow fact.** No secondary/reproduced source is promoted to primary. |\n| **S_NJ-P2-C008** | Current official NJ Courts indexed materials continue to identify *Anchor* as Appellate case A-0052-23, argued Apr.7,2025 and published May9,2025. | S008–S010 | **High for those docket/publication facts.** Merits were not re-researched. |\n| **S_NJ-P2-C009** | No official post-May9,2025 NJ Supreme Court certification, stay, reversal, or disposition was located in the bounded official-domain search; therefore later appellate status remains unresolved. | S008–S010 plus search/failure record | **Negative-search finding only.** Does **not** prove no petition/order exists and does not justify “final” or “unreversed.” |\n| **S_NJ-P2-C010** | The current §§2/-6 authentication gap from PASS-01 is materially narrowed/resolved through an official current-version + amendment-text chain, although a directly rendered official current section page remains unavailable. | S001–S005 | **High with provenance qualification.** Not equivalent to having retrieved the code-section page itself. |\n\n# D. Earlier-claim patch map\n\n| Earlier claim | PASS-02 disposition | Patch |\n| --- | --- | --- |\n| **S_NJ-P1-C006** | **Retain; later-history qualification remains.** | The supplied May9,2025 holding is not re-researched. PASS-02 found no official later cert/stay/reversal/disposition, but that absence cannot establish finality. Replace “official subsequent docket unread” with: **“Official post-May9 Supreme Court disposition not located in bounded public search; finality remains unverified.”** |\n| **S_NJ-P1-C007** | **No substantive change.** | Nothing in PASS-02 supplies a later order altering the prior attorney-affiliation boundary. Its qualification remains. |\n| **S_NJ-P1-C021** | **Authentication gap materially patched.** | Change “official current §6 retrieval held” to: **“Existing §17:16G-6(a)–(c) wording authenticated through official 2024–26 legislative amendment texts identifying P.L.1986,c.184,s.4; direct current code-section rendering remains inaccessible. PASS-01 regulation/adoption evidence for the $25 operative regulatory ceiling was not rerun.”** |\n| **S_NJ-P1-C037** | **Partially superseded.** | Replace blanket statement that official current §§2/-6 were not retrieved with: **“Direct current code-section pages remain inaccessible, but current §§17:16G-2/-6 wording and 1986 provenance are authenticated through the official current statutory-compilation version plus formal legislative amendment texts. Authentic standalone 1986 enrolled-chapter text remains unproduced in this pass.”** |\n| **S_NJ-P1-C038** | **Unchanged.** | Full current consolidated Chapter3:25 was outside PASS-02 and remains exactly as previously qualified. |\n| **S_NJ-P1-C039** | **Strengthened on legal effect; exact action label remains partial.** | S1310 is now primary-verified as passed by both houses and sent to Governor. Primary current-law evidence supports that it did **not** amend §§2/-6. Exact official “pocket veto” action/date remains unverified from a primary action-history record. A3489 is primary-verified as introduced/pending proposal. |\n\n# E. PASS-02 scope coverage\n\n| Requested component | Status | Claim IDs | Remaining evidence / next action |\n| --- | --- | --- | --- |\n| Current official §17:16G-2 wording | **Answered by authenticated official chain; direct-section display unavailable** | C001–C003,C010 | A directly readable Legislature section page or authenticated statutes archive extraction would improve provenance but is no longer necessary to infer the operative baseline. |\n| Current official §17:16G-6 wording | **Answered by authenticated official chain; direct-section display unavailable** | C001,C004–C005,C010 | Same direct-section improvement. PASS-01's separate regulatory $25 chain remains carried, not re-run. |\n| Material 2026 enacted amendment affecting §§2/-6 | **Answered: none authenticated** | C003,C005–C006 | Continue watching only if later P.L.2026 chapters beyond c.50 alter the title; current accessed compilation stops at c.50. |\n| S1310 passed/sent-to-Governor status | **Answered from primary source** | C006 | None for that procedural stage. |\n| Exact S1310 gubernatorial disposition (“pocket veto,” precise date) | **Unresolved primary authentication** | C007 | Obtain official Governor action archive or Legislature final-action history explicitly naming S1310. Do not substitute reproduced releases. |\n| A3489 legal status | **Answered for document reviewed: introduced/pending, not enactment** | C003,C005 | Later bill movement after the accessed version would require its official history; no enactment inferred. |\n| *Anchor* official Appellate identity/publication | **Answered; supplied holding not rerun** | C008 | None for Appellate identity/date. |\n| *Anchor* post-May9 Supreme Court cert/stay/reversal/disposition | **Unresolved** | C009 | Obtain official Supreme Court docket identifier keyed to party names, then read any certification/stay/disposition order. |\n| Full current Chapter3:25 | **Outside scope / remains open** | P1-C038 | Later dedicated pass if required. |\n| Fee stacking | **Outside scope / remains held** | — | Later fee-interpretation pass. |\n| Income/month/rounding rules | **Outside scope / remains held** | — | Later interpretation pass. |\n| State-only earning/refund trigger | **Outside scope / remains held** | — | Later agreement/performance/remedies pass. |\n| Attorney arrangement/entity structure | **Outside scope / remains held** | P1-C007 | Later entity/professional-responsibility pass. |\n| Named-provider authorization | **Outside scope / remains held** | — | Later provider-specific public lookup if requested. |\n| Funds/bond/agreement/remedies/collection/limitations/exemptions/secured/sector/local/tribal/full case law | **Outside scope / all remain open** | — | Separate required state passes; no state or A066 acceptance implied. |\n\n# F. Failed routes\n\n| Failed route | Actual October 24 result | What it does **not** establish | Materially different next source |\n| --- | --- | --- | --- |\n| Legislature direct Title17 TOC / section navigation through the ordinary reader | Direct Title17 TOC route was inaccessible/internal error, while statutes root rendered successfully. [New Jersey Legislature](https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1) | Does not mean the sections are absent or repealed. | Formal amendment text in S002–S005 plus current root version; later, a readable direct-section gateway or downloadable authenticated archive. |\n| NJ Courts direct A-0052-23 case-page open | **403 Forbidden** in ordinary open. (Website Name Missing) | Does not mean the case is sealed, removed, final, or inactive; indexed public record remains visible. | Official NJ Courts indexed case/opinion records, then a distinct Supreme Court docket keyed to party name if surfaced. |\n| Official-domain search for post-May9 *Anchor* certification/stay/Supreme disposition | No responsive official later order surfaced; searches returned the Appellate case/opinion material. | Does not prove no certification petition, stay request, denial, or later order exists. | Supreme Court docket/order record under party names or later Supreme docket number. |\n| Exact official final action page for S1310 | No readable official record explicitly stating “pocket veto” was obtained. | Does not undermine the separately established fact that the bill failed to enter current §§2/-6. | Governor official action archive or Legislature final-status record expressly naming S1310 and disposition. |\n\n# G. Remaining dependencies\n\n| Dependency | Why it still matters | Boundary |\n| --- | --- | --- |\n| Official S1310 final gubernatorial action record | Needed only to authenticate the exact “pocket veto/date” historical statement. | **Not needed** to treat the proposed for-profit amendments as non-current after the primary enactment/current-law chain reviewed here. |\n| Official Supreme Court docket/order for *Anchor* | Needed to say whether certification was sought/granted/denied, whether a stay issued, or whether later disposition changed the May9 decision. | Until retrieved, do not label the Appellate decision “final,” “cert denied,” or “unreversed.” |\n| Direct current §§17:16G-2/-6 section render | Would improve source ergonomics and remove the residual provenance caveat. | The operative baseline is now authenticated through official formal amendment text and current compilation version; this is no longer the same substantive gap as PASS-01. |\n| Full current Chapter3:25 | Needed for a separate regulatory-consolidation check. | Explicitly excluded from PASS-02; P1-C038 remains unchanged. |\n\n# H. Researcher self-check\n\n**Freshly read in PASS-02:** the Legislature's current statutes-root version statement; official 2026 A3489 text and status; official S1310 second-reprint text for §§2 and 6; the official January 12, 2026 Legislative Digest portions showing S1310's vote and “Passed Both Houses/Sent To Governor” status; official NJ Courts indexed A-0052-23 case and published-opinion records.\n\n**Not freshly treated as substantive evidence:** the coordinator-supplied reading of the 45-page *Anchor* opinion; PASS-01's Chapter3:25 adoption chain; PASS-01 HUD/TSR work; PASS-01 fee examples; PASS-01 S029 reproduced release. Those remain prior evidence and were not relabeled as new visits.\n\n**Not obtained:** a directly rendered official current §17:16G-2 or §17:16G-6 page; an official action-history record explicitly identifying S1310's exact gubernatorial veto disposition; or an official post-May9,2025 Supreme Court docket/order for *Anchor*.\n\nNo independent-review claim is made. No Chrome or Work access was requested, no other chat was created, and no local-save, full-state-completion, provider-authorization, A066-acceptance, or publication-readiness claim is made.\n\n**END S_NJ PASS-02.**\n\n","tables":[{"headers":["Source ID","Source / issuer","Exact material read and status","Jurisdiction / limitations"],"index":0,"links":[{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com","text":"Current statutes compilation"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","text":"New Jersey Legislature"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"Official A3489 introduced text"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM","text":"New Jersey Legislature"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"Official A3489 introduced text"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM","text":"New Jersey Legislature"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","text":"Official S1310 2R text"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM","text":"New Jersey Legislature"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","text":"Official S1310 2R text"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM","text":"New Jersey Legislature"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","text":"Official January 12 Legislative Digest"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm","text":"New Jersey Legislature"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","text":"Official January 12 Legislative Digest"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm","text":"New Jersey Legislature"},{"href":"https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com","text":"Official Anchor Law case page"},{"href":"https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com","text":"New Jersey Courts"},{"href":"https://www.njcourts.gov/attorneys/opinions/published-appellate?utm_source=chatgpt.com","text":"Official published Appellate opinions index"},{"href":"https://www.njcourts.gov/attorneys/opinions/published-appellate?block_config_key=published_appellate_court_opinions_block%3AZXILa9m2pgFHpQ7GSXtr41D52fBbJnkVDFNY3nS6E6I&page=3&utm_source=chatgpt.com","text":"New Jersey Courts"},{"href":"https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com","text":"Official opinion summaries index"},{"href":"https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com","text":"New Jersey Courts"},{"href":"https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com","text":"Official appellate briefs bundle"},{"href":"https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com","text":"New Jersey Courts"}],"row_links":[[],[{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com","text":"Current statutes compilation"},{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"Official A3489 introduced text"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","text":"Official A3489 introduced text"},{"href":"https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","text":"Official S1310 2R text"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","text":"Official S1310 2R text"},{"href":"https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","text":"Official January 12 Legislative Digest"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm","text":"New Jersey Legislature"}],[{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","text":"Official January 12 Legislative Digest"},{"href":"https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm","text":"New Jersey Legislature"}],[{"href":"https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com","text":"Official Anchor Law case page"},{"href":"https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com","text":"New Jersey Courts"}],[{"href":"https://www.njcourts.gov/attorneys/opinions/published-appellate?utm_source=chatgpt.com","text":"Official published Appellate opinions index"},{"href":"https://www.njcourts.gov/attorneys/opinions/published-appellate?block_config_key=published_appellate_court_opinions_block%3AZXILa9m2pgFHpQ7GSXtr41D52fBbJnkVDFNY3nS6E6I&page=3&utm_source=chatgpt.com","text":"New Jersey Courts"}],[{"href":"https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com","text":"Official opinion summaries index"},{"href":"https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com","text":"New Jersey Courts"}],[{"href":"https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com","text":"Official appellate briefs bundle"},{"href":"https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com","text":"New Jersey Courts"}]],"rows":[["Source ID","Source / issuer","Exact material read and status","Jurisdiction / limitations"],["S_NJ-P2-S001","New Jersey General and Permanent Statutes, Legislature. Current statutes compilation","Official root actually opened. States compilation is updated through P.L.2026, c.50 and J.R.1. \nNew Jersey Legislature","Official current-version provenance, but root does not itself reproduce §§17:16G-2/-6."],["S_NJ-P2-S002","A3489, 222nd Legislature, NJ Legislature. Official A3489 introduced text","Freshly read. Lines 38–45 identify introduced/pending-technical-review status. Lines 62–69 display proposed amendment to §17:16G-2 and identify existing source as P.L.1986,c.184,s.2. \nNew Jersey Legislature","Primary legislative proposal, not enacted law. Useful to authenticate baseline text through formal amendment notation."],["S_NJ-P2-S003","A3489, same document, §6 portion. Official A3489 introduced text","Freshly read. Lines 92–97 reproduce existing nonprofit §6(b)–(c), propose new (d), and cite P.L.1986,c.184,s.4. Lines 129–130 contain proposed effective clause. \nNew Jersey Legislature","Same proposal-status limitation; no enacted effect inferred."],["S_NJ-P2-S004","S1310, Second Reprint, 221st Legislature, NJ Legislature. Official S1310 2R text","Freshly read. Lines 53–59 establish version. Lines 84–90 show proposed §17:16G-2 amendment and P.L.1986,c.184,s.2 provenance. \nNew Jersey Legislature","Passed-bill text, but not itself proof of enactment. Amendment notation distinguishes proposed words from baseline."],["S_NJ-P2-S005","S1310, same document, §6 portion. Official S1310 2R text","Freshly read. Lines 110–118 reproduce §6(a)–(c), proposed new subsection (d), and P.L.1986,c.184,s.4 provenance. Lines 147–151 show proposed federal-conflict and effective-date provisions. \nNew Jersey Legislature","Primary bill text, not proof those proposed additions became law."],["S_NJ-P2-S006","NJ Legislative Digest, Jan. 12, 2026. Official January 12 Legislative Digest","Freshly read. Line 1941 records S1310 vote 68-1-0. \nNew Jersey Legislature","Official legislative proceeding evidence."],["S_NJ-P2-S007","Same Jan. 12 Legislative Digest. Official January 12 Legislative Digest","Freshly read. Heading at line3052: “Bills Passed Both Houses/Sent To Governor”; line3095 lists S1310. \nNew Jersey Legislature","Establishes passed-and-sent status, not ultimate gubernatorial disposition."],["S_NJ-P2-S008","NJ Courts case page, A-0052-23. Official Anchor Law case page","Official indexed case record surfaced: party name, A-0052-23, briefs, argued Apr.7,2025. \nNew Jersey Courts","Direct ordinary open returned403; no post-decision status field was exposed in the indexed record."],["S_NJ-P2-S009","NJ Courts Published Appellate Opinions index. Official published Appellate opinions index","Fresh official indexed material read. Lists Anchor as Published Appellate, A-0052-23, May9,2025. \nNew Jersey Courts","Confirms appellate publication/date, not Supreme Court later history."],["S_NJ-P2-S010","NJ Courts Opinion Summaries. Official opinion summaries index","Official record identifies May9,2025 Anchor decision and Appellate classification. \nNew Jersey Courts","No later certification/stay/disposition data shown."],["S_NJ-P2-S011","NJ Courts A-0052-23 briefs PDF. Official appellate briefs bundle","Official indexed PDF surfaced. \nNew Jersey Courts","Pre-decision appellate briefs; not evidence of post-May9 Supreme Court disposition. Not used to rerun merits."]]},{"headers":["Claim ID","Precise assertion","Source IDs / pinpoint","Conditions, currentness, confidence limits"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source IDs / pinpoint","Conditions, currentness, confidence limits"],["S_NJ-P2-C001","The Legislature's current statutes compilation accessed this pass is updated through P.L.2026,c.50 and J.R.1.","S001, root lines0–1","High. Does not itself expose section text."],["S_NJ-P2-C002","Official 2026 legislative text treats §17:16G-2's nonprofit-only clauses as existing baseline law and proposes adding “for-profit debt adjuster”; it cites P.L.1986,c.184,s.2 as the prior source.","S002 lines62–69; S004 lines84–90","High as legislative-text authentication. Direct current code page still inaccessible."],["S_NJ-P2-C003","No material 2026 enacted amendment adding ordinary for-profit debt adjusters to current §17:16G-2 was verified; A3489 is expressly introduced/pending, not enacted.","S001; S002 lines38–45,62–69; S006–S007","High on no verified enacted change; exact full official codification page still unavailable."],["S_NJ-P2-C004","Official legislative text authenticates existing §17:16G-6(a)–(c), including the statutory 1%/$15 language, regulatory-override clause, discretionary waiver, and Commissioner credit-counseling fee authority; prior source is P.L.1986,c.184,s.4.","S003 lines92–97; S005 lines110–118","High as legislative-text authentication. This pass does not reverify the separate $25 regulation."],["S_NJ-P2-C005","Proposed subsection §6(d), authorizing fee maxima for for-profit debt adjusters, is proposal language rather than authenticated current law.","S003 lines92–97; S005 lines110–118","High. A3489 is introduced only; S1310 did not enter current codified law based on the chain below."],["S_NJ-P2-C006","S1310 passed both houses and was sent to the Governor, but no resulting amendment to §§17:16G-2/-6 became authenticated current law; the 2026 Legislature again introduced those amendments as A3489.","S006 line1941; S007 lines3052,3095; S002–S005; S001","High consequential conclusion. Exact gubernatorial disposition nomenclature/date remains separately held."],["S_NJ-P2-C007","This pass did not obtain a primary official action-history record establishing the exact S1310 pocket-veto disposition/date.","S006–S007 plus failed-route record below","Held narrow fact. No secondary/reproduced source is promoted to primary."],["S_NJ-P2-C008","Current official NJ Courts indexed materials continue to identify Anchor as Appellate case A-0052-23, argued Apr.7,2025 and published May9,2025.","S008–S010","High for those docket/publication facts. Merits were not re-researched."],["S_NJ-P2-C009","No official post-May9,2025 NJ Supreme Court certification, stay, reversal, or disposition was located in the bounded official-domain search; therefore later appellate status remains unresolved.","S008–S010 plus search/failure record","Negative-search finding only. Does not prove no petition/order exists and does not justify “final” or “unreversed.”"],["S_NJ-P2-C010","The current §§2/-6 authentication gap from PASS-01 is materially narrowed/resolved through an official current-version + amendment-text chain, although a directly rendered official current section page remains unavailable.","S001–S005","High with provenance qualification. Not equivalent to having retrieved the code-section page itself."]]},{"headers":["Earlier claim","PASS-02 disposition","Patch"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Earlier claim","PASS-02 disposition","Patch"],["S_NJ-P1-C006","Retain; later-history qualification remains.","The supplied May9,2025 holding is not re-researched. PASS-02 found no official later cert/stay/reversal/disposition, but that absence cannot establish finality. Replace “official subsequent docket unread” with: “Official post-May9 Supreme Court disposition not located in bounded public search; finality remains unverified.”"],["S_NJ-P1-C007","No substantive change.","Nothing in PASS-02 supplies a later order altering the prior attorney-affiliation boundary. Its qualification remains."],["S_NJ-P1-C021","Authentication gap materially patched.","Change “official current §6 retrieval held” to: “Existing §17:16G-6(a)–(c) wording authenticated through official 2024–26 legislative amendment texts identifying P.L.1986,c.184,s.4; direct current code-section rendering remains inaccessible. PASS-01 regulation/adoption evidence for the $25 operative regulatory ceiling was not rerun.”"],["S_NJ-P1-C037","Partially superseded.","Replace blanket statement that official current §§2/-6 were not retrieved with: “Direct current code-section pages remain inaccessible, but current §§17:16G-2/-6 wording and 1986 provenance are authenticated through the official current statutory-compilation version plus formal legislative amendment texts. Authentic standalone 1986 enrolled-chapter text remains unproduced in this pass.”"],["S_NJ-P1-C038","Unchanged.","Full current consolidated Chapter3:25 was outside PASS-02 and remains exactly as previously qualified."],["S_NJ-P1-C039","Strengthened on legal effect; exact action label remains partial.","S1310 is now primary-verified as passed by both houses and sent to Governor. Primary current-law evidence supports that it did not amend §§2/-6. Exact official “pocket veto” action/date remains unverified from a primary action-history record. A3489 is primary-verified as introduced/pending proposal."]]},{"headers":["Requested component","Status","Claim IDs","Remaining evidence / next action"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested component","Status","Claim IDs","Remaining evidence / next action"],["Current official §17:16G-2 wording","Answered by authenticated official chain; direct-section display unavailable","C001–C003,C010","A directly readable Legislature section page or authenticated statutes archive extraction would improve provenance but is no longer necessary to infer the operative baseline."],["Current official §17:16G-6 wording","Answered by authenticated official chain; direct-section display unavailable","C001,C004–C005,C010","Same direct-section improvement. PASS-01's separate regulatory $25 chain remains carried, not re-run."],["Material 2026 enacted amendment affecting §§2/-6","Answered: none authenticated","C003,C005–C006","Continue watching only if later P.L.2026 chapters beyond c.50 alter the title; current accessed compilation stops at c.50."],["S1310 passed/sent-to-Governor status","Answered from primary source","C006","None for that procedural stage."],["Exact S1310 gubernatorial disposition (“pocket veto,” precise date)","Unresolved primary authentication","C007","Obtain official Governor action archive or Legislature final-action history explicitly naming S1310. Do not substitute reproduced releases."],["A3489 legal status","Answered for document reviewed: introduced/pending, not enactment","C003,C005","Later bill movement after the accessed version would require its official history; no enactment inferred."],["Anchor official Appellate identity/publication","Answered; supplied holding not rerun","C008","None for Appellate identity/date."],["Anchor post-May9 Supreme Court cert/stay/reversal/disposition","Unresolved","C009","Obtain official Supreme Court docket identifier keyed to party names, then read any certification/stay/disposition order."],["Full current Chapter3:25","Outside scope / remains open","P1-C038","Later dedicated pass if required."],["Fee stacking","Outside scope / remains held","—","Later fee-interpretation pass."],["Income/month/rounding rules","Outside scope / remains held","—","Later interpretation pass."],["State-only earning/refund trigger","Outside scope / remains held","—","Later agreement/performance/remedies pass."],["Attorney arrangement/entity structure","Outside scope / remains held","P1-C007","Later entity/professional-responsibility pass."],["Named-provider authorization","Outside scope / remains held","—","Later provider-specific public lookup if requested."],["Funds/bond/agreement/remedies/collection/limitations/exemptions/secured/sector/local/tribal/full case law","Outside scope / all remain open","—","Separate required state passes; no state or A066 acceptance implied."]]},{"headers":["Failed route","Actual October 24 result","What it does not establish","Materially different next source"],"index":4,"links":[{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","text":"New Jersey Legislature"}],"row_links":[[],[{"href":"https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1","text":"New Jersey Legislature"}],[],[],[]],"rows":[["Failed route","Actual October 24 result","What it does not establish","Materially different next source"],["Legislature direct Title17 TOC / section navigation through the ordinary reader","Direct Title17 TOC route was inaccessible/internal error, while statutes root rendered successfully. \nNew Jersey Legislature","Does not mean the sections are absent or repealed.","Formal amendment text in S002–S005 plus current root version; later, a readable direct-section gateway or downloadable authenticated archive."],["NJ Courts direct A-0052-23 case-page open","403 Forbidden in ordinary open. (Website Name Missing)","Does not mean the case is sealed, removed, final, or inactive; indexed public record remains visible.","Official NJ Courts indexed case/opinion records, then a distinct Supreme Court docket keyed to party name if surfaced."],["Official-domain search for post-May9 Anchor certification/stay/Supreme disposition","No responsive official later order surfaced; searches returned the Appellate case/opinion material.","Does not prove no certification petition, stay request, denial, or later order exists.","Supreme Court docket/order record under party names or later Supreme docket number."],["Exact official final action page for S1310","No readable official record explicitly stating “pocket veto” was obtained.","Does not undermine the separately established fact that the bill failed to enter current §§2/-6.","Governor official action archive or Legislature final-status record expressly naming S1310 and disposition."]]},{"headers":["Dependency","Why it still matters","Boundary"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Dependency","Why it still matters","Boundary"],["Official S1310 final gubernatorial action record","Needed only to authenticate the exact “pocket veto/date” historical statement.","Not needed to treat the proposed for-profit amendments as non-current after the primary enactment/current-law chain reviewed here."],["Official Supreme Court docket/order for Anchor","Needed to say whether certification was sought/granted/denied, whether a stay issued, or whether later disposition changed the May9 decision.","Until retrieved, do not label the Appellate decision “final,” “cert denied,” or “unreversed.”"],["Direct current §§17:16G-2/-6 section render","Would improve source ergonomics and remove the residual provenance caveat.","The operative baseline is now authenticated through official formal amendment text and current compilation version; this is no longer the same substantive gap as PASS-01."],["Full current Chapter3:25","Needed for a separate regulatory-consolidation check.","Explicitly excluded from PASS-02; P1-C038 remains unchanged."]]}],"claims":[{"claim_id":"S_NJ-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C001","Precise assertion":"The Legislature's current statutes compilation accessed this pass is updated through P.L.2026,c.50 and J.R.1.","Source IDs / pinpoint":"S001, root lines0–1","Conditions, currentness, confidence limits":"High. Does not itself expose section text."},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C002","Precise assertion":"Official 2026 legislative text treats §17:16G-2's nonprofit-only clauses as existing baseline law and proposes adding “for-profit debt adjuster”; it cites P.L.1986,c.184,s.2 as the prior source.","Source IDs / pinpoint":"S002 lines62–69; S004 lines84–90","Conditions, currentness, confidence limits":"High as legislative-text authentication. Direct current code page still inaccessible."},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C003","area_numbers":[348],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NJ-P2-C003","Precise assertion":"No material 2026 enacted amendment adding ordinary for-profit debt adjusters to current §17:16G-2 was verified; A3489 is expressly introduced/pending, not enacted.","Source IDs / pinpoint":"S001; S002 lines38–45,62–69; S006–S007","Conditions, currentness, confidence limits":"High on no verified enacted change; exact full official codification page still unavailable."},"coordinator_verification_status":"held_for_current_authentication_original_wording_superseded_by_pass03","coordinator_review":"[internal evidence reference]","correction_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C004","Precise assertion":"Official legislative text authenticates existing §17:16G-6(a)–(c), including the statutory 1%/$15 language, regulatory-override clause, discretionary waiver, and Commissioner credit-counseling fee authority; prior source is P.L.1986,c.184,s.4.","Source IDs / pinpoint":"S003 lines92–97; S005 lines110–118","Conditions, currentness, confidence limits":"High as legislative-text authentication. This pass does not reverify the separate $25 regulation."},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C005","Precise assertion":"Proposed subsection §6(d), authorizing fee maxima for for-profit debt adjusters, is proposal language rather than authenticated current law.","Source IDs / pinpoint":"S003 lines92–97; S005 lines110–118","Conditions, currentness, confidence limits":"High. A3489 is introduced only; S1310 did not enter current codified law based on the chain below."},"coordinator_verification_status":"held_for_current_authentication_original_wording_superseded_by_pass03","coordinator_review":"[internal evidence reference]","correction_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C006","area_numbers":[348],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NJ-P2-C006","Precise assertion":"S1310 passed both houses and was sent to the Governor, but no resulting amendment to §§17:16G-2/-6 became authenticated current law; the 2026 Legislature again introduced those amendments as A3489.","Source IDs / pinpoint":"S006 line1941; S007 lines3052,3095; S002–S005; S001","Conditions, currentness, confidence limits":"High consequential conclusion. Exact gubernatorial disposition nomenclature/date remains separately held."},"coordinator_verification_status":"held_for_current_authentication_original_wording_superseded_by_pass03","coordinator_review":"[internal evidence reference]","correction_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C007","Precise assertion":"This pass did not obtain a primary official action-history record establishing the exact S1310 pocket-veto disposition/date.","Source IDs / pinpoint":"S006–S007 plus failed-route record below","Conditions, currentness, confidence limits":"Held narrow fact. No secondary/reproduced source is promoted to primary."},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C008","Precise assertion":"Current official NJ Courts indexed materials continue to identify Anchor as Appellate case A-0052-23, argued Apr.7,2025 and published May9,2025.","Source IDs / pinpoint":"S008–S010","Conditions, currentness, confidence limits":"High for those docket/publication facts. Merits were not re-researched."},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C009","Precise assertion":"No official post-May9,2025 NJ Supreme Court certification, stay, reversal, or disposition was located in the bounded official-domain search; therefore later appellate status remains unresolved.","Source IDs / pinpoint":"S008–S010 plus search/failure record","Conditions, currentness, confidence limits":"Negative-search finding only. Does not prove no petition/order exists and does not justify “final” or “unreversed.”"},"coordinator_verification_status":"read_conditions_selected_checks_with_document_limits","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NJ-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NJ-P2-C010","Precise assertion":"The current §§2/-6 authentication gap from PASS-01 is materially narrowed/resolved through an official current-version + amendment-text chain, although a directly rendered official current section page remains unavailable.","Source IDs / pinpoint":"S001–S005","Conditions, currentness, confidence limits":"High with provenance qualification. Not equivalent to having retrieved the code-section page itself."},"coordinator_verification_status":"held_for_current_authentication_original_wording_superseded_by_pass03","coordinator_review":"[internal evidence reference]","correction_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NJ-P2-S001","urls":["https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1?utm_source=chatgpt.com","https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1"],"researcher_record":{"Source ID":"S_NJ-P2-S001","Source / issuer":"New Jersey General and Permanent Statutes, Legislature. Current statutes compilation","Exact material read and status":"Official root actually opened. States compilation is updated through P.L.2026, c.50 and J.R.1. \nNew Jersey Legislature","Jurisdiction / limitations":"Official current-version provenance, but root does not itself reproduce §§17:16G-2/-6."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S002","urls":["https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM"],"researcher_record":{"Source ID":"S_NJ-P2-S002","Source / issuer":"A3489, 222nd Legislature, NJ Legislature. Official A3489 introduced text","Exact material read and status":"Freshly read. Lines 38–45 identify introduced/pending-technical-review status. Lines 62–69 display proposed amendment to §17:16G-2 and identify existing source as P.L.1986,c.184,s.2. \nNew Jersey Legislature","Jurisdiction / limitations":"Primary legislative proposal, not enacted law. Useful to authenticate baseline text through formal amendment notation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S003","urls":["https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM?utm_source=chatgpt.com","https://pub.njleg.gov/Bills/2026/A3500/3489_I1.HTM"],"researcher_record":{"Source ID":"S_NJ-P2-S003","Source / issuer":"A3489, same document, §6 portion. Official A3489 introduced text","Exact material read and status":"Freshly read. Lines 92–97 reproduce existing nonprofit §6(b)–(c), propose new (d), and cite P.L.1986,c.184,s.4. Lines 129–130 contain proposed effective clause. \nNew Jersey Legislature","Jurisdiction / limitations":"Same proposal-status limitation; no enacted effect inferred."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S004","urls":["https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM"],"researcher_record":{"Source ID":"S_NJ-P2-S004","Source / issuer":"S1310, Second Reprint, 221st Legislature, NJ Legislature. Official S1310 2R text","Exact material read and status":"Freshly read. Lines 53–59 establish version. Lines 84–90 show proposed §17:16G-2 amendment and P.L.1986,c.184,s.2 provenance. \nNew Jersey Legislature","Jurisdiction / limitations":"Passed-bill text, but not itself proof of enactment. Amendment notation distinguishes proposed words from baseline."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S005","urls":["https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM?utm_source=chatgpt.com","https://pub.njleg.gov/Bills/2024/S1500/1310_R2.HTM"],"researcher_record":{"Source ID":"S_NJ-P2-S005","Source / issuer":"S1310, same document, §6 portion. Official S1310 2R text","Exact material read and status":"Freshly read. Lines 110–118 reproduce §6(a)–(c), proposed new subsection (d), and P.L.1986,c.184,s.4 provenance. Lines 147–151 show proposed federal-conflict and effective-date provisions. \nNew Jersey Legislature","Jurisdiction / limitations":"Primary bill text, not proof those proposed additions became law."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S006","urls":["https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm"],"researcher_record":{"Source ID":"S_NJ-P2-S006","Source / issuer":"NJ Legislative Digest, Jan. 12, 2026. Official January 12 Legislative Digest","Exact material read and status":"Freshly read. Line 1941 records S1310 vote 68-1-0. \nNew Jersey Legislature","Jurisdiction / limitations":"Official legislative proceeding evidence."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S007","urls":["https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm?utm_source=chatgpt.com","https://pub.njleg.state.nj.us/publications/legislative-digest/011226.htm"],"researcher_record":{"Source ID":"S_NJ-P2-S007","Source / issuer":"Same Jan. 12 Legislative Digest. Official January 12 Legislative Digest","Exact material read and status":"Freshly read. Heading at line3052: “Bills Passed Both Houses/Sent To Governor”; line3095 lists S1310. \nNew Jersey Legislature","Jurisdiction / limitations":"Establishes passed-and-sent status, not ultimate gubernatorial disposition."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S008","urls":["https://www.njcourts.gov/cases/a-0052-23?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P2-S008","Source / issuer":"NJ Courts case page, A-0052-23. Official Anchor Law case page","Exact material read and status":"Official indexed case record surfaced: party name, A-0052-23, briefs, argued Apr.7,2025. \nNew Jersey Courts","Jurisdiction / limitations":"Direct ordinary open returned403; no post-decision status field was exposed in the indexed record."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S009","urls":["https://www.njcourts.gov/attorneys/opinions/published-appellate?utm_source=chatgpt.com","https://www.njcourts.gov/attorneys/opinions/published-appellate?block_config_key=published_appellate_court_opinions_block%3AZXILa9m2pgFHpQ7GSXtr41D52fBbJnkVDFNY3nS6E6I&page=3&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P2-S009","Source / issuer":"NJ Courts Published Appellate Opinions index. Official published Appellate opinions index","Exact material read and status":"Fresh official indexed material read. Lists Anchor as Published Appellate, A-0052-23, May9,2025. \nNew Jersey Courts","Jurisdiction / limitations":"Confirms appellate publication/date, not Supreme Court later history."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S010","urls":["https://www.njcourts.gov/attorneys/opinions/opinion-summaries?page=6&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P2-S010","Source / issuer":"NJ Courts Opinion Summaries. Official opinion summaries index","Exact material read and status":"Official record identifies May9,2025 Anchor decision and Appellate classification. \nNew Jersey Courts","Jurisdiction / limitations":"No later certification/stay/disposition data shown."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NJ-P2-S011","urls":["https://www.njcourts.gov/system/files/cases/briefs/a0052-23briefs.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NJ-P2-S011","Source / issuer":"NJ Courts A-0052-23 briefs PDF. Official appellate briefs bundle","Exact material read and status":"Official indexed PDF surfaced. \nNew Jersey Courts","Jurisdiction / limitations":"Pre-decision appellate briefs; not evidence of post-May9 Supreme Court disposition. Not used to rerun merits."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Current official §17:16G-2 wording","researcher_record":{"Requested component":"Current official §17:16G-2 wording","Status":"Answered by authenticated official chain; direct-section display unavailable","Claim IDs":"C001–C003,C010","Remaining evidence / next action":"A directly readable Legislature section page or authenticated statutes archive extraction would improve provenance but is no longer necessary to infer the operative baseline."},"coordinator_acceptance":"correction_required_no_currentness_upgrade_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Current official §17:16G-6 wording","researcher_record":{"Requested component":"Current official §17:16G-6 wording","Status":"Answered by authenticated official chain; direct-section display unavailable","Claim IDs":"C001,C004–C005,C010","Remaining evidence / next action":"Same direct-section improvement. PASS-01's separate regulatory $25 chain remains carried, not re-run."},"coordinator_acceptance":"correction_required_no_currentness_upgrade_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"Material 2026 enacted amendment affecting §§2/-6","researcher_record":{"Requested component":"Material 2026 enacted amendment affecting §§2/-6","Status":"Answered: none authenticated","Claim IDs":"C003,C005–C006","Remaining evidence / next action":"Continue watching only if later P.L.2026 chapters beyond c.50 alter the title; current accessed compilation stops at c.50."},"coordinator_acceptance":"correction_required_no_currentness_upgrade_accepted","coordinator_review":"[internal evidence reference]"},{"topic":"S1310 passed/sent-to-Governor status","researcher_record":{"Requested component":"S1310 passed/sent-to-Governor status","Status":"Answered from primary source","Claim IDs":"C006","Remaining evidence / next action":"None for that procedural stage."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Exact S1310 gubernatorial disposition (“pocket veto,” precise date)","researcher_record":{"Requested component":"Exact S1310 gubernatorial disposition (“pocket veto,” precise date)","Status":"Unresolved primary authentication","Claim IDs":"C007","Remaining evidence / next action":"Obtain official Governor action archive or Legislature final-action history explicitly naming S1310. Do not substitute reproduced releases."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"A3489 legal status","researcher_record":{"Requested component":"A3489 legal status","Status":"Answered for document reviewed: introduced/pending, not enactment","Claim IDs":"C003,C005","Remaining evidence / next action":"Later bill movement after the accessed version would require its official history; no enactment inferred."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Anchor official Appellate identity/publication","researcher_record":{"Requested component":"Anchor official Appellate identity/publication","Status":"Answered; supplied holding not rerun","Claim IDs":"C008","Remaining evidence / next action":"None for Appellate identity/date."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Anchor post-May9 Supreme Court cert/stay/reversal/disposition","researcher_record":{"Requested component":"Anchor post-May9 Supreme Court cert/stay/reversal/disposition","Status":"Unresolved","Claim IDs":"C009","Remaining evidence / next action":"Obtain official Supreme Court docket identifier keyed to party names, then read any certification/stay/disposition order."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Full current Chapter3:25","researcher_record":{"Requested component":"Full current Chapter3:25","Status":"Outside scope / remains open","Claim IDs":"P1-C038","Remaining evidence / next action":"Later dedicated pass if required."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Fee stacking","researcher_record":{"Requested component":"Fee stacking","Status":"Outside scope / remains held","Claim IDs":"—","Remaining evidence / next action":"Later fee-interpretation pass."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Income/month/rounding rules","researcher_record":{"Requested component":"Income/month/rounding rules","Status":"Outside scope / remains held","Claim IDs":"—","Remaining evidence / next action":"Later interpretation pass."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"State-only earning/refund trigger","researcher_record":{"Requested component":"State-only earning/refund trigger","Status":"Outside scope / remains held","Claim IDs":"—","Remaining evidence / next action":"Later agreement/performance/remedies pass."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Attorney arrangement/entity structure","researcher_record":{"Requested component":"Attorney arrangement/entity structure","Status":"Outside scope / remains held","Claim IDs":"P1-C007","Remaining evidence / next action":"Later entity/professional-responsibility pass."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider authorization","researcher_record":{"Requested component":"Named-provider authorization","Status":"Outside scope / remains held","Claim IDs":"—","Remaining evidence / next action":"Later provider-specific public lookup if requested."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Funds/bond/agreement/remedies/collection/limitations/exemptions/secured/sector/local/tribal/full case law","researcher_record":{"Requested component":"Funds/bond/agreement/remedies/collection/limitations/exemptions/secured/sector/local/tribal/full case law","Status":"Outside scope / all remain open","Claim IDs":"—","Remaining evidence / next action":"Separate required state passes; no state or A066 acceptance implied."},"coordinator_acceptance":"reviewed_partial_material_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}