{"meta":{"key":"s_nv--pass-02","task":"S_NV","title":"SNV Focused current-law correction and 2026 fee-adjustment evidence","parent_title":"Nevada debt and debt relief law","edition":"pass-02","path":"/research/s_nv--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":5,"claims":20,"sources":13,"review_status":"revise","review_complete":true,"sha256":"470df2805de102a59395a1c25b0fa4323c6970c3969340e295a851ce24f1c633","headings":["A. Replacement and supplemental passages","A1. Replace PASS-01 section 7 and S_NV-P1-C016","A2. Replace PASS-01 section 3’s reliance on old NAC 676A.140","A3. Add the express settlement-account and prohibited-debt limits","A4. Replace the imprecise fee-prerequisite discussion","A5. Current annual adjustment evidence","B. Minimal current-law and pinpoint matrix","C. Focused source register","D. Focused claim register","E. Bounded 2026 consumer-fee publication search","Result","F. Bounded federal carry-forward","G. Focused coverage and gap table","H. Remaining explicit holds","I. Researcher self-check","Freshly and substantively read on October 25, 2026","Search-only, failed or deliberately not upgraded","Scope and process limits"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NV/pass-02","facets":{"geography":["us","us-nv"],"debt_type":[],"stage":[],"subject":["fees-outcomes"]},"scope":"MaterialDecember31/repealed140andexplicitaccountcontrol/secureddebtlimits/counseling-triggerprecision;remaining2026actualannualfee-adjustmentevidenceonly,nofullreport/examplesrerun","pending_corrections":0},"markdown":"# S_NV PASS-02 — Focused current-law correction and 2026 fee-adjustment evidence\n\n**SettleADebt.com — Nevada provider-access/fees component**\n\n- **Fresh public-source access:** October 25, 2026, Pacific time  \n- **Coordinator-supplied review date:** October 24, 2026  \n- **Actual model/mode:** GPT-5.6 Sol Pro, Regular Chat  \n- **Disposition:** The registration-expiration and former-NAC-676A.140 issues are corrected. The settlement-account, prohibited-debt and fee-trigger rules are added or tightened. The exact consumer-fee dollar amounts operative in October 2026 remain **held** because the Commissioner’s required annual adjusted-amount publication was not retrieved.\n- **Scope control:** PASS-01’s preserved findings, four examples and unaffected source/claim records are not regenerated here. This addendum does not establish Nevada launch approval, a provider’s registration, contract approval or publication readiness.\n\n## A. Replacement and supplemental passages\n\n### A1. Replace PASS-01 section 7 and S_NV-P1-C016\n\n**The ordinary Nevada registration-expiration date is no longer unresolved.**\n\nCurrent NRS 676A.370 expressly provides that a provider registration expires **December 31** unless renewed, and that a renewal application must be filed from **November 1 through December 31**. A timely and complete renewal application keeps the registration effective until the Commissioner issues a recorded denial. If required renewal material is not submitted during the statutory window, the registration is cancelled December 31; the Commissioner **may**, rather than must, reinstate it when all required information and fees are submitted by February 28 of the following year. The denial-and-appeal provisions contain a distinct, qualified branch for continuing to service existing agreements, subject to NRS 676A.750; they do not establish an unrestricted right to solicit or enter new agreements. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\nThe filed and approved regulation, LCB File R098-23AP, independently reconciles the formerly inconsistent administrative text. Its header states that it was filed June 20, 2024; section 8 changes NAC 676A.130 from June 30 to **December 31** and retains the $1,500 renewal and $1,500 additional reinstatement fees. Section 19 expressly repeals NAC 676A.140, including its old 10-day extension request and 30-day completion procedure. [Nevada Legislature+2](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf)\n\nThe numerical register separately identifies R098-23A as the adopted-stage document posted June 6, 2024 and R098-23AP as approved by the Legislative Commission June 20, 2024. The informational statement and workshop materials are not the final operative regulation. [Nevada Legislature](https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm)\n\nNRS 233B.070(1) provides the default rule that a permanent regulation becomes effective when filed with the Secretary of State unless the regulation specifies a later date. R098-23AP bears a June 20, 2024 filing date, and a text search of the filed PDF found no separate later-effective-date clause. Thus, on the reviewed record, the amendment and repeal became effective on filing, June 20, 2024. That conclusion is a statutory application of the filing rule, not an express effective-date sentence in section 8 or section 19, and this pass did not perform a separate stay, injunction or vacatur audit. [Nevada Legislature+2](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf)\n\nThe online NAC compilation still displays June 30 and the repealed NAC 676A.140 text despite a page refresh timestamp of April 13, 2026 and a chapter revision date of September 2018. That unintegrated display does not create a current-law conflict or revive the repealed provision. The current statute and filed regulation control the correction; the FID page’s December 31 date is corroborative operational guidance rather than the reason the law changed. [Nevada Legislature+1](https://www.leg.state.nv.us/nac/NAC-676A.html)\n\n### A2. Replace PASS-01 section 3’s reliance on old NAC 676A.140\n\nDelete any treatment of NAC 676A.140’s former 10-day extension request and 30-day reinstatement-completion procedure as current law.\n\nThe current framework for the issue examined here is:\n\n1. December 31 expiration and November 1–December 31 renewal under NRS 676A.370(1)–(2).\n2. Continued effectiveness only for a **timely and complete** renewal under subsection 4.\n3. The qualified denial/appeal and existing-agreement provisions in subsection 5.\n4. Cancellation under subsection 6 when required renewal items are missing.\n5. Discretionary reinstatement when all renewal information and fees are submitted by February 28.\n6. The $1,500 renewal and additional $1,500 reinstatement government charges preserved in amended NAC 676A.130.\n\nNo inference should be made that a particular expired provider qualified for continuation or reinstatement without its filing record, completeness determination, denial history, dates and current public status. [Nevada Legislature+3](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\n### A3. Add the express settlement-account and prohibited-debt limits\n\nPASS-01 correctly recorded that the statutory debt-settlement definition contemplates periodic deposits in an FDIC-insured account owned by the individual and not controlled by the provider. NRS 676A.700(2)(i) supplies an additional direct prohibition that cannot be reduced to a classification question:\n\n- With respect to debt-settlement services, the provider may not have an ownership interest in or **any control** over the individual’s settlement account.\n- The provider may not furnish debt-settlement services for a **secured debt**, a debt that **was at any time secured**, or a loan governed by NRS Chapter 604A.\n- The provider may not include any such debt or loan when calculating its fee. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\nThis language does not establish that every noncustodial model is permitted, does not convert registration into approval of an account design, and does not establish that every debt-management plan involving secured obligations is prohibited. The statutory wording applies the quoted prohibitions specifically “with respect to debt settlement services.” Actual debt history and service classification therefore remain necessary.\n\n### A4. Replace the imprecise fee-prerequisite discussion\n\nNRS 676A.580 contains distinct branches that must not be collapsed:\n\n**General agreement prerequisite.** A provider may impose or receive charges for debt-management services only as permitted by section 580, and not until the provider and individual sign an agreement complying with NRS 676A.540 and 676A.700. Signing is necessary, but it is not sufficient to authorize every charge. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\n**Education and counseling after assent.** Once the individual assents to an agreement, subsection 3 generally prohibits an education, counseling or similar fee. The Commissioner may authorize a fee based on the nature and extent of the services, and the provision preserves the separate NRS 676A.700(5) exception. The rule is therefore neither a universal no-fee rule nor permission to add an education charge merely because an agreement was signed. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\n**No-agreement counseling branch.** When the individual does not assent to an agreement, subsection 4(b) permits a statutory **base** fee up to $100 for educational or counseling services, or a larger amount with Commissioner approval when warranted by the nature and extent of the services, subject to the NRS 676A.700(5) cross-reference. If the individual assents to an agreement before 90 days expire after the counseling is completed or terminated, subsection 5 requires refund of the fee paid under subsection 4(b). The $100 is subject to the annual adjustment mechanism and is not established here as the October 2026 ceiling. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\n**Debt-settlement performance fee.** Subsection 6 imposes three cumulative conditions before a provider may **request or receive** any fee or consideration:\n\n1. The provider has settled the terms of at least one debt under a settlement agreement or other valid contractual agreement **executed by the individual**.\n2. The individual has made at least one payment under that settlement agreement or other valid contractual agreement between the individual and creditor or debt collector.\n3. The fee is calculated using the complete statutory proportional-allocation method or a uniform percentage of actual savings.\n\nAn offer, enrollment, negotiation, deposit into an account or merely scheduled installment is not the statutory performance event. Satisfaction of one debt’s conditions does not automatically earn the allocation associated with another debt. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\nSubsection 6 does not state a universal numerical settlement-fee percentage ceiling. That narrow observation does **not** validate an arbitrary rate, resolve contract enforceability or unconscionability, establish registration, displace other Nevada law, or satisfy independently applicable federal restrictions.\n\nPASS-01’s four examples and arithmetic remain unchanged. The base-dollar DMP and dishonored-payment examples remain illustrations only, not verified October 2026 ceilings.\n\n### A5. Current annual adjustment evidence\n\nNRS 676A.730(6) requires the Commissioner to adopt replacement dollar amounts for specified Chapter 676A provisions using CPI-U or an adopted substitute index. The amounts are adjusted effective July 1 when the index change from the selected base year, measured as of the preceding December 31, is at least 10 percent. Section 580 amounts are rounded to the nearest dollar; the other covered amounts are rounded to the nearest $100. Subsection 7 requires notice to registered providers and public availability. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html)\n\nNAC 676A.060 selects **2010** as the base year and states that the Commissioner will post each year’s dollar amounts online and make them available in print. [Nevada Legislature](https://www.leg.state.nv.us/nac/NAC-676A.html)\n\nThe bounded official-source search did **not** retrieve the publication stating the amounts applicable on October 25, 2026. Consequently:\n\n- $50 for setup, $10 per remaining account and $50 monthly aggregate under subsection 4(a);\n- $100 under subsection 4(b); and\n- the lesser-of-$25-or-other-law dishonored-payment amount under subsection 7\n\nremain statutory **base figures**, not verified current maxima. No CPI calculation, assumed adjustment, inferred unchanged amount or substitute amount is supplied in this pass.\n\nThe failure to retrieve the annual table is not a finding that the Commissioner failed to issue it. It is an evidence-access gap.\n\n## B. Minimal current-law and pinpoint matrix\n\n| Issue | Current-law result | Controlling pinpoint | Effect on PASS-01 |\n| --- | --- | --- | --- |\n| Ordinary registration expiration | December 31 unless renewed | NRS 676A.370(1) | Replaces the “June 30 versus December 31 unresolved” conclusion. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Renewal filing window | November 1 through December 31 | NRS 676A.370(2)(a) | Confirms the statutory window; FID page corroborates. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Timely complete renewal | Registration remains effective until recorded denial | NRS 676A.370(4) | Conditional continuation only; requires actual filing/completeness evidence. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Missing renewal items | Cancellation December 31; Commissioner may reinstate if complete by February 28 | NRS 676A.370(6) | No automatic continuation or reinstatement. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| NAC 676A.130 | December 31; $1,500 renewal; additional $1,500 reinstatement | R098-23AP §8, printed/PDF page 4 | Corrects stale compiled NAC text; government charges only. [Nevada Legislature](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) |\n| Former NAC 676A.140 | Repealed | R098-23AP §19, printed/PDF pages 10–12 | Withdraws current-law reliance on old 10/30-day procedure. [Nevada Legislature](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) |\n| Settlement-account control | Provider may have no ownership interest or control | NRS 676A.700(2)(i)(1) | Adds an express prohibition to P1-C003’s definitional treatment. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Prohibited settlement debts | No settlement of secured, ever-secured or Chapter 604A debt; no inclusion in fee base | NRS 676A.700(2)(i)(2) | Essential market-access limitation added. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Post-assent education/counseling fee | Generally prohibited, subject to Commissioner authorization and §700(5) | NRS 676A.580(3) | Refines P1-C018; signing alone does not authorize the charge. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| No-agreement counseling | Base $100 or approved larger amount; qualifying 90-day refund | NRS 676A.580(4)(b)–(5) | Refines P1-C020; current adjusted amount remains held. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Settlement fee timing | Three cumulative performance and calculation requirements before request or receipt | NRS 676A.580(6)(a)–(c) | Expands P1-C022 beyond its abbreviated two-condition statement. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n| Annual adjustment mechanism | 2010 base year; qualifying July 1 adjustment; publication required | NRS 676A.730(6)–(7); NAC 676A.060 | Statutory procedure answered; October 2026 dollar table unresolved. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html) |\n\n## C. Focused source register\n\n| Source ID | Instrument and direct literal URL | Pinpoint/version and legal status | Actual access classification and limits | PASS-01 relationship |\n| --- | --- | --- | --- | --- |\n| **S_NV-P2-S001** | Nevada Legislature, NRS Chapter 676A. https://www.leg.state.nv.us/NRS/NRS-676A.html | Online header: [Rev. 10/6/2026 4:19:38 PM--2025]; §§676A.370(1)–(6), .580(1)–(7), .700(2)(i)(1)–(2), .730(6)–(7) | Freshly opened October 25, 2026. Complete specified subsections read; entire chapter not reread. [Nevada Legislature+5](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Same document as P1-S001; new pinpoints and corrections, not a second independent authority. |\n| **S_NV-P2-S002** | Nevada Legislature, Approved Regulation R098-23AP. https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf | Header filed June 20, 2024; §8 at printed/PDF page 4; §19 at printed/PDF page 10; repealed §676A.140 text at printed/PDF pages 11–12 | Freshly opened and relevant pages visually inspected. Selected provisions read; entire 12-page credit-union material not substantively audited. [Nevada Legislature+2](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) | Corrects P1’s reliance on the stale NAC compilation. |\n| **S_NV-P2-S003** | Nevada Legislature, 2023 NAC Register Numerical Index. https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm | R098-23A and R098-23AP rows 557–558; I/NI/P rows 559–561 | Fresh selected-row read. Establishes document stage and Legislative Commission approval date, not every procedural event. [Nevada Legislature](https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm) | New focused source. |\n| **S_NV-P2-S004** | Nevada Legislature, NRS Chapter 233B. https://www.leg.state.nv.us/NRS/NRS-233B.html | NRS 233B.070(1), lines 717–719 | Fresh selected read. Used only for default effective-on-filing rule; no complete APA, stay or judicial-review audit. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-233B.html) | New focused source. |\n| **S_NV-P2-S005** | Nevada Legislature, online NAC Chapter 676A. https://www.leg.state.nv.us/nac/NAC-676A.html | Page refresh Apr. 13, 2026; chapter revision date Sept. 2018; NAC 676A.060; displayed .130 and .140 | Fresh selected read. NAC 676A.060 is used for the 2010 base year and publication procedure. Displayed .130/.140 are stale against R098-23AP and are not used as current law. [Nevada Legislature+1](https://www.leg.state.nv.us/nac/NAC-676A.html) | Same document as P1-S002, with explicit source-integrity correction. |\n| **S_NV-P2-S006** | Nevada FID, Uniform Debt Management Services. https://www.fid.nv.gov/licensing/uniform-debt-management-services/ | “How to Obtain or Renew,” “Additional Resources” and “Important Dates”; last updated Aug. 28, 2026 | Fresh relevant-body read. Current operational guidance: MU1/NMLS submissions, Nov. 1–Dec. 31 renewal, Dec. 31 expiration. Not legal permission or provider-status evidence. [Fid NV](https://www.fid.nv.gov/licensing/uniform-debt-management-services/) | Updated access to P1-S003. |\n| **S_NV-P2-S007** | Nevada FID, December 8, 2022 NMLS transition memorandum. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf | Both pages | Freshly opened and both pages visually inspected. Historical transition document; expressly says transition approval is not an examination, investigation, renewal or finding of statutory/regulatory compliance. [Fid NV+2](https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf) | New focused procedural source; not a current checklist. |\n| **S_NV-P2-S008** | Nevada FID, Fees and Prime Interest Rate page. https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/ | “Fees” link; page last updated Aug. 18, 2026 | Fresh relevant-body read. Links a government-fee PDF; contains no consumer-adjustment table in its visible body. [Fid NV](https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/) | New route record. |\n| **S_NV-P2-S009** | Nevada FID, Financial Institutions Division Fees PDF. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf | One-page Uniform Debt-Management Services row | Freshly parsed and visually inspected. Filename indicates July 19, 2024; lists $2,000 application, $1,000 initial annual, $1,500 renewal and $75/examiner-hour. These are government/provider charges, not consumer-fee permission; the document is not treated as proof that every rate remained legally unchanged in October 2026. [Fid NV+1](https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf) | P1-S004’s historical access classification remains intact; P2 independently opened the PDF. |\n| **S_NV-P2-S010** | Nevada FID, Notice & Information. https://www.fid.nv.gov/notice-information/ | Complete visible notice categories; last updated Sept. 9, 2026 | Fresh visible-body read. No Chapter 676A annual adjusted-dollar table appeared in the rendered categories. This is not proof that no separate publication exists. [Fid NV](https://www.fid.nv.gov/notice-information/) | New retrieval-route record. |\n| **S_NV-P2-S011** | NMLS Nevada FID state-resource route. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NV-FID | FID “Nevada State Specific in NMLS” link | Fresh route attempt; redirected to the state-resource center and produced zero extracted lines. No current Nevada checklist or consumer-adjustment publication was retrieved. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID) | Failed route only; not substantive authority. |\n| **S_NV-P2-S012** | Historical FID checklist. https://fid.nv.gov/uploadedfiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/676A-Checklist.pdf | Historical three-page checklist, revision reflected in the coordinator record | Coordinator-supplied prior read; not freshly relied upon as current. Its old mail/check procedure, bond and insurance entries do not replace the current NMLS materials or authorize prohibited settlement-account control. | P1-S005 remains a historical/discovery source and is **not** retroactively upgraded. |\n| **S_NV-P2-S013** | Adopted-stage predecessor R098-23A. https://www.leg.state.nv.us/Register/RegsReviewed/$R098-23A.PDF | Adopted-stage document preceding the filed AP version | Coordinator-supplied selected read; not freshly reopened. R098-23AP is the proof relied upon for the filed regulation. | Recorded only to distinguish stages; not counted as an independent authority. |\n\nThe complete R050-10 and R054-16 adoption orders corresponding to P1-S006 and P1-S007 were not newly read. Their P1 locator-only classifications remain unchanged.\n\n## D. Focused claim register\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, confidence and limits | PASS-01 alias/effect |\n| --- | --- | --- | --- | --- |\n| **S_NV-P2-C001** | A Nevada provider registration ordinarily expires December 31; renewal filing runs November 1–December 31. | S001, NRS 676A.370(1), (2)(a); S002 §8; S006 Important Dates | **High.** Does not determine a named provider’s status. [Nevada Legislature+2](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Replaces P1-C016’s unresolved-conflict conclusion. |\n| **S_NV-P2-C002** | A timely and complete renewal remains effective until recorded denial; incomplete renewal can be cancelled December 31; reinstatement may occur if all required information and fees are submitted by February 28. | S001, NRS 676A.370(4)–(6) | **High statutory confidence.** “May reinstate” is discretionary. Appeal servicing is qualified and directed to existing agreements. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Supplies the current replacement for old NAC 676A.140 treatment. |\n| **S_NV-P2-C003** | R098-23AP amended NAC 676A.130 from June 30 to December 31 and retained the $1,500 renewal and additional $1,500 reinstatement government fees. | S002 §8, printed/PDF p.4 | **High.** Government charges, not consumer service-fee ceilings. [Nevada Legislature](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) | Updates P1-C015 and corrects P1-C016. |\n| **S_NV-P2-C004** | R098-23AP expressly repealed NAC 676A.140 and its former 10/30-day extension procedure. | S002 §19 and repealed text, printed/PDF pp.10–12 | **High.** The online NAC page has not integrated the repeal. [Nevada Legislature+1](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) | Withdraws any current reliance on former §.140. |\n| **S_NV-P2-C005** | On the reviewed record, R098-23AP became effective upon its June 20, 2024 filing under NRS 233B.070(1). | S002 header; S003 AP row; S004 §233B.070(1) | **High but qualified inference.** No later-date phrase was found in the filed PDF; no separate stay/vacatur audit was completed. [Nevada Legislature+3](https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf) | Resolves effective-status basis for C001–C004. |\n| **S_NV-P2-C006** | The online NAC page’s June 30 and former §.140 text are stale and do not create a current-law conflict. | S005 displayed §§.130–.140 compared with S002 §§8, 19 | **High source-integrity conclusion.** Page-refresh date is not legal effect. [Nevada Legislature+2](https://www.leg.state.nv.us/nac/NAC-676A.html) | Corrects P1 section 7. |\n| **S_NV-P2-C007** | A provider furnishing debt-settlement services may not own or exercise any control over the individual’s settlement account. | S001, NRS 676A.700(2)(i)(1) | **High.** Separate from federal dedicated-account requirements; does not itself approve a third-party design. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Supplements P1-C003. |\n| **S_NV-P2-C008** | A provider may not furnish debt-settlement services for secured debt, debt ever secured or a Chapter 604A loan, and may not include such obligations in its fee calculation. | S001, NRS 676A.700(2)(i)(2) | **High.** Applies to debt-settlement services; actual debt history must be verified. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | New essential market-access limitation. |\n| **S_NV-P2-C009** | A signed compliant agreement is a prerequisite to charges, but does not independently authorize every charge. | S001, NRS 676A.580(1)–(2) | **High.** Later subsections and other law remain operative. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Refines P1-C018. |\n| **S_NV-P2-C010** | After assent, education or counseling charges are generally prohibited except for Commissioner authorization based on the services and the preserved §700(5) branch. | S001, NRS 676A.580(3) | **High as to structure.** No individual Commissioner authorization was located. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Adds the missing post-assent rule to P1-C018. |\n| **S_NV-P2-C011** | Without agreement assent, subsection 4(b) provides a base $100 counseling ceiling or approved larger fee; qualifying later assent within the 90-day period requires refund. | S001, NRS 676A.580(4)(b)–(5) | **High statutory structure; current amount unresolved.** §700(5) remains preserved. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Refines P1-C020 and P1-C021. |\n| **S_NV-P2-C012** | Before requesting or receiving a settlement fee, the provider must satisfy all three requirements in §580(6)(a)–(c). | S001, NRS 676A.580(6) | **High.** Requires executed settlement/valid contract, actual qualifying payment and compliant fee calculation. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Replaces P1-C022’s abbreviated formulation. |\n| **S_NV-P2-C013** | Section 580(6)(c) allows proportional enrolled-debt allocation or a uniform savings percentage; the examined subsection states no universal numerical percentage ceiling. | S001, NRS 676A.580(6)(c)(1)–(2) | **High for statutory text; limited conclusion.** Does not approve an arbitrary rate or resolve contract/federal issues. [Nevada Legislature](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Clarifies P1-C023. |\n| **S_NV-P2-C014** | The $50/$10/$50 DMP figures, $100 counseling figure and lesser-of-$25 dishonor figure are statutory base amounts subject to adjustment, not verified October 2026 ceilings. | S001, NRS 676A.580(4), (7), .730(6)–(7) | **High.** Exact current amounts held. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Preserves but qualifies P1-C019, C020 and C024. |\n| **S_NV-P2-C015** | Nevada uses 2010 as the base year; qualifying adjusted amounts take effect July 1, with §580 amounts rounded to the nearest dollar, and the Commissioner must publish changes. | S001, NRS 676A.730(6)–(7); S005, NAC 676A.060 | **High for procedure.** Does not supply the actual 2026 table. [Nevada Legislature+1](https://www.leg.state.nv.us/NRS/NRS-676A.html) | Expands P1-C027. |\n| **S_NV-P2-C016** | No reliable official publication stating the consumer-fee dollar amounts applicable in October 2026 was retrieved in this bounded pass. | S006, S008, S010 and S011 retrieval routes; official-site searches described below | **Evidence gap, not a negative legal finding.** No CPI amount was manufactured. [Fid NV+3](https://www.fid.nv.gov/licensing/uniform-debt-management-services/) | P1’s adjusted-amount holds remain. |\n| **S_NV-P2-C017** | FID currently directs initial and renewal submissions through NMLS using MU1 and lists December 31 expiration, but this does not establish a provider’s authorization. | S006; S007 | **High operational confidence.** The 2022 memo expressly disclaims compliance significance for transition approval. [Fid NV+2](https://www.fid.nv.gov/licensing/uniform-debt-management-services/) | Refines P1 procedure finding; no named-provider lookup. |\n| **S_NV-P2-C018** | The FID-linked fee PDF concerns provider-government charges and cannot support consumer charges. | S008–S009; S002 §8 | **High distinction.** Filename-dated 2024 schedule is not treated as proof of every October 2026 governmental rate. [Fid NV+2](https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/) | Qualifies P1-S004 and P1-C014–C015. |\n| **S_NV-P2-C019** | Federal TSR and CROA rules remain a conditional, independently applicable overlay rather than Nevada registration permission or an automatic universal rule. | Coordinator-supplied prior federal primary record; no new P2 federal source ID | **Partial/held.** Actual entity, representations, media, exemptions, account design and campaign facts remain unknown. | Refines, but does not convert, P1-C030. |\n| **S_NV-P2-C020** | No current NMLS Nevada checklist or named-provider registration status was established. | S011 failed route; no roster search performed | **Unresolved by design.** Procedure is distinct from provider status. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID) | Preserves P1 provider-status and checklist holds. |\n\n## E. Bounded 2026 consumer-fee publication search\n\n| Official route or query | Actual result | Evidentiary consequence |\n| --- | --- | --- |\n| Current FID Uniform Debt Management Services page | Current licensing and renewal information, forms and NMLS links; no visible annual adjusted-consumer-fee table | Useful for procedure and dates only. [Fid NV](https://www.fid.nv.gov/licensing/uniform-debt-management-services/) |\n| Current FID Fees and Prime Interest Rate page | “Fees” link resolves to the one-page provider-government schedule | Does not answer adjusted consumer charges under NRS 676A.580. [Fid NV+1](https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/) |\n| Current FID Notice & Information page | Visible categories did not include a Chapter 676A annual dollar table | A searched route, not proof that no publication exists elsewhere. [Fid NV](https://www.fid.nv.gov/notice-information/) |\n| FID-linked Nevada NMLS state-specific route | Redirected to the generic state-resource center; zero extracted lines | Current checklist and adjusted amounts not retrieved. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID) |\n| Official-site searches for 676A.730, NAC 676A.060, “adjusted dollar amounts,” “CPI-U,” “July 1” and similar phrases | Indexed results returned the statute, NAC, 2010 adoption regulation and an older enforcement order, but no operative 2026 annual table | Confirms the legal publication duty, not the current dollar amounts. [Fid NV+3](https://www.fid.nv.gov/siteassets/opinion/enforcement-action/2014-09-10_NetDebtLLC_OrderC-DUnlicensed.pdf?utm_source=chatgpt.com) |\n| Nevada public-notice site searches for Chapter 676A/debt-management adjustments | No responsive annual table retrieved | Narrow unresolved route; absence from search results is not absence of a notice. |\n| FID sitemap and robots routes | Not accessible through the public web tool | No directory-level completeness claim may be made. (Invalid URL) |\n\n### Result\n\nThe exact October 2026 amounts remain **unresolved**. The next evidence needed is the Commissioner’s actual annual dollar-amount publication or archived provider notice showing:\n\n- the covered statutory provisions;\n- the operative year and July 1 effective date;\n- the index measurement and base-year relationship;\n- the adjusted and rounded amounts;\n- whether the notice superseded an earlier notice; and\n- the official publication or distribution provenance.\n\nNo BLS calculation should substitute for that operative agency record in the state dossier.\n\n## F. Bounded federal carry-forward\n\nNo federal provision was freshly opened or assigned a new P2 source ID.\n\nThe same-coordinator supplied record may support only this conditional overlay:\n\n- For a covered telemarketed debt-relief service, the TSR performance conditions concern an executed customer settlement or other valid agreement, a qualifying customer payment, and the prescribed allocation calculation—not merely receipt of money into an account.\n- The federal dedicated-account conditions are separate from Nevada’s absolute no-ownership/no-control prohibition and include distinct ownership, independence, affiliation, referral-compensation, withdrawal and return-of-funds requirements.\n- Credit-repair telemarketing fee timing depends on the actual represented-results window, performance and qualifying consumer-report evidence.\n- CROA’s payment and cancellation provisions depend on actual statutory coverage, entity status and promised services.\n\nThe supplied current-code URLs for the CROA contract and cancellation provisions were:\n\n- https://uscode.house.gov/us/usc/119-120/t15/s1679d/\n- https://uscode.house.gov/us/usc/119-120/t15/s1679e/\n\nThose materials were not freshly reopened in PASS-02. No automatic TSR or CROA coverage, exemption, Nevada-specific federal conclusion or federal exception to Nevada’s settlement-account prohibition is asserted.\n\n## G. Focused coverage and gap table\n\n| Scope | Status | Claims | Exact missing evidence / next investigation |\n| --- | --- | --- | --- |\n| Ordinary annual expiration date | **Answered and corrected** | C001, C003, C005, C006 | No further date reconciliation needed unless later authority, a stay or a superseding amendment is identified. |\n| Renewal filing period | **Answered** | C001 | Apply to the provider’s actual submission timestamps. |\n| Timely complete renewal continuation | **Answered as law; provider application unresolved** | C002 | Obtain the actual renewal application, completeness status and any recorded denial. |\n| Appeal and transition after denial | **Partial** | C002 | Read the actual denial/order, appeal status, NRS 676A.750 implications and restrictions on new versus existing agreements. |\n| Cancellation for missing renewal items | **Answered as law** | C002 | Determine which required items, if any, were missing by December 31 for the named provider. |\n| Reinstatement by February 28 | **Answered as discretionary framework** | C002, C003 | Obtain the actual reinstatement submission and Commissioner action; do not presume reinstatement. |\n| Former NAC 676A.140 | **Answered: repealed** | C004–C006 | No reliance on its former 10/30-day procedure. A broader rulemaking-history audit remains optional for the later registration manual. |\n| R098-23AP effective status | **Answered for this focused correction, qualified** | C005 | Only a separate stay, vacatur or later-amendment audit could alter the reviewed default-effective-on-filing conclusion. |\n| $1,500 renewal and reinstatement charges | **Answered as filed regulation** | C003, C018 | Confirm the actual NMLS invoice and any separate NMLS system fee for a specific application. |\n| Settlement-account ownership/control | **Answered** | C007 | Review actual agreements, bank contracts, payment-processor rights, withdrawal controls and third-party affiliations. |\n| Secured debt | **Answered for debt-settlement prohibition** | C008 | Determine whether each obligation is or ever was secured; do not assume from its present label. |\n| Debt formerly secured | **Answered for debt-settlement prohibition** | C008 | Obtain origination and collateral-release history. |\n| Chapter 604A loans | **Answered for debt-settlement prohibition** | C008 | Classify each actual loan under Chapter 604A before service or fee calculation. |\n| Application of these debt exclusions to DMPs | **Not resolved beyond statutory wording** | C008 | Analyze the actual service as DMP, settlement or hybrid; §700(2)(i)(2) expressly addresses debt-settlement services. |\n| General signed-agreement prerequisite | **Answered** | C009 | Inspect the agreement for compliance with §§540 and 700 in the contract pass. |\n| Post-assent education/counseling charge | **Answered structurally** | C010 | Obtain any Commissioner authorization and analyze the §700(5) branch before charging. |\n| No-agreement counseling fee | **Answered structurally; dollar amount unresolved** | C011, C014–C016 | Retrieve the 2026 adjusted amount and any actual approval for a larger fee. |\n| 90-day counseling-fee refund | **Answered structurally** | C011 | Establish counseling completion/termination date, assent date and exact fee paid under subsection 4(b). |\n| Settlement-fee performance triggers | **Answered** | C012 | Apply separately to each debt using the executed settlement, actual creditor/debt-collector agreement and actual payment proof. |\n| Proportional allocation method | **Answered as formula** | C012–C013 | Verify one consistent contracted total fee and contemporaneous enrolled balances. |\n| Savings method | **Answered as formula** | C012–C013 | Verify one uniform percentage and the amount actually paid to satisfy each debt. |\n| Universal numerical Nevada settlement percentage cap | **No cap found in examined §580(6); broader question held** | C013 | Review contract law, other Nevada statutes, cases, Commissioner interpretations and federal law before drawing a launch conclusion. |\n| DMP base figures | **Verified as statutory bases only** | C014–C016 | Retrieve actual 2026 annual publication. |\n| No-agreement $100 base | **Verified as statutory base only** | C011, C014–C016 | Retrieve actual 2026 annual publication. |\n| Dishonored-payment $25 base | **Verified as statutory base only** | C014–C016 | Retrieve adjusted amount and the separate amount permitted by other applicable law. |\n| Annual adjustment mechanism | **Answered** | C015 | None as to statutory procedure. |\n| Actual July 1, 2026 adjusted consumer amounts | **Unresolved** | C016 | Retrieve Commissioner publication/provider notice with version, effective date, amounts, rounding and supersession history. |\n| Current NMLS Nevada checklist | **Unresolved** | C017, C020 | Retrieve the live state checklist in a renderable public form. |\n| 2022 NMLS transition significance | **Answered and limited** | C017 | Transition approval is not compliance approval; use only as procedural history. |\n| Named-provider authorization | **Not investigated in P2** | C020 | Search exact legal entity and trade names in the current public list/NMLS Consumer Access and inspect dates, status and locations. |\n| Federal TSR debt-relief timing | **Conditional supplied overlay; not freshly verified** | C019 | Apply exact current federal text to actual telemarketing, entity, service and transaction facts. |\n| Federal dedicated-account conditions | **Conditional supplied overlay** | C007, C019 | Analyze separately from Nevada’s no-control rule; obtain actual bank and referral arrangements. |\n| Credit-repair TSR/CROA overlap | **Conditional and unresolved** | C019 | Obtain actual representations, promised period, consumer-report practice, entity status, media and exemptions. |\n| Government fee schedule | **Partial** | C003, C018 | The dated PDF and filed regulation support selected amounts; current NRS 658.101-linked rates and all NMLS charges were not fully verified. |\n| Complete contracts, disclosures and cancellation | **Deferred** | C009–C013 | Full §§520–560, 600–630, regulations, agreement and recordkeeping pass required. |\n| Complete account, trust and funds architecture | **Deferred except express no-control rule** | C007 | Full §570, bank, processor, designated-account and refund analysis required. |\n| Bond, insurance and complete application package | **Deferred** | C017, C020 | Current NMLS checklist, forms, adjusted bond amount and actual applicant documents required. |\n| Cases and formal agency interpretations | **Not researched in P2** | None | Search controlling Nevada and federal decisions plus authoritative FID interpretations. |\n| Remaining sectors, exemptions, collection, litigation, remedies, limitations, local and tribal law | **Outside P2; all remain required** | None | Complete later state components; no negative finding or permission follows from omission. |\n| Nevada, parent-project, A066 or publication acceptance | **Not established** | None | Requires separate coordinator and qualified legal review after all open components are completed. |\n\n## H. Remaining explicit holds\n\n1. **Exact October 2026 consumer-fee ceilings:** still unresolved; statutory base figures cannot be published as current ceilings.\n2. **Named-provider authority:** no entity, trade name, registration number, effective date, location or disciplinary status was checked.\n3. **Current NMLS checklist:** the state-specific route did not yield readable checklist content.\n4. **Individual lapse or reinstatement:** December 31 and February 28 rules are established, but no provider is deemed continued or reinstated.\n5. **Full R050-10/R054-16 history:** not newly read; P1 locator classifications remain.\n6. **Federal coverage:** the supplied TSR/CROA material remains conditional and was not freshly reopened.\n7. **Cases and interpretations:** no controlling judicial or formal agency interpretation was added.\n8. **Complete government-rate currentness:** the current FID page links the filename-dated 2024 schedule, but NRS 658.101 and all current NMLS charges were not fully reconciled.\n9. **Contract and operational legality:** no agreement, fee rate, account structure, provider, campaign or launch was approved.\n10. **Broader Nevada dossier:** full contracts, funds, bond, insurance, remedies, collection, litigation, limitations, complete exemptions, other sectors, local and tribal law remain open.\n\n## I. Researcher self-check\n\n### Freshly and substantively read on October 25, 2026\n\n- NRS 676A.370(1)–(6).\n- NRS 676A.580(1)–(7).\n- NRS 676A.700(2)(i)(1)–(2).\n- NRS 676A.730(6)–(7).\n- R098-23AP’s filing header, section 8, section 19 and displayed repealed NAC 676A.140 text; the relevant PDF pages were visually inspected.\n- The 2023 NAC numerical-register entries for R098-23.\n- NRS 233B.070(1).\n- NAC 676A.060 and the stale displayed .130/.140 text.\n- The relevant body of the current FID Uniform Debt Management Services page.\n- Both pages of the December 8, 2022 NMLS transition memorandum, including visual inspection.\n- The current FID Fees and Prime Interest Rate page.\n- The one-page FID government-fee PDF, including visual inspection.\n- The visible current FID Notice & Information page.\n- The NMLS state-specific redirect result.\n\n### Search-only, failed or deliberately not upgraded\n\n- No actual annual 2026 consumer-adjustment table was retrieved.\n- The live NMLS state-resource route yielded no extracted checklist content.\n- FID sitemap and robots routes were inaccessible through the tool.\n- The historical checklist remains historical and does not replace current NMLS requirements.\n- P1-S005 is not retroactively reclassified.\n- Full R050-10 and R054-16 orders were not newly read.\n- The adopted-stage R098-23A document was not used instead of the filed AP version.\n- No federal TSR or CROA source was freshly opened.\n- No named-provider roster or NMLS Consumer Access search was run.\n- NRS 658.101 was not successfully retrieved and no complete 2026 governmental-rate conclusion was made.\n\n### Scope and process limits\n\nThis was a focused correction and evidence addendum, **not an independent review**. It did not rerun PASS-01, regenerate its examples, create local files, control Chrome, open browser tabs, use Deep Research or Work, use an API, submit an application, purchase anything, contact any person or regulator, access private borrower information, change an account, publish a site or establish operational approval.\n\nThe current-law expiration correction is supported by the current statute and filed approved regulation rather than by choosing the newest webpage. The exact adjusted consumer-fee amounts remain expressly held. All broader Nevada categories remain required.\n\n**END S_NV PASS-02**\n\n","tables":[{"headers":["Issue","Current-law result","Controlling pinpoint","Effect on PASS-01"],"index":0,"links":[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}],"row_links":[[],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}]],"rows":[["Issue","Current-law result","Controlling pinpoint","Effect on PASS-01"],["Ordinary registration expiration","December 31 unless renewed","NRS 676A.370(1)","Replaces the “June 30 versus December 31 unresolved” conclusion. \nNevada Legislature"],["Renewal filing window","November 1 through December 31","NRS 676A.370(2)(a)","Confirms the statutory window; FID page corroborates. \nNevada Legislature\n+1"],["Timely complete renewal","Registration remains effective until recorded denial","NRS 676A.370(4)","Conditional continuation only; requires actual filing/completeness evidence. \nNevada Legislature"],["Missing renewal items","Cancellation December 31; Commissioner may reinstate if complete by February 28","NRS 676A.370(6)","No automatic continuation or reinstatement. \nNevada Legislature"],["NAC 676A.130","December 31; $1,500 renewal; additional $1,500 reinstatement","R098-23AP §8, printed/PDF page 4","Corrects stale compiled NAC text; government charges only. \nNevada Legislature"],["Former NAC 676A.140","Repealed","R098-23AP §19, printed/PDF pages 10–12","Withdraws current-law reliance on old 10/30-day procedure. \nNevada Legislature"],["Settlement-account control","Provider may have no ownership interest or control","NRS 676A.700(2)(i)(1)","Adds an express prohibition to P1-C003’s definitional treatment. \nNevada Legislature"],["Prohibited settlement debts","No settlement of secured, ever-secured or Chapter 604A debt; no inclusion in fee base","NRS 676A.700(2)(i)(2)","Essential market-access limitation added. \nNevada Legislature"],["Post-assent education/counseling fee","Generally prohibited, subject to Commissioner authorization and §700(5)","NRS 676A.580(3)","Refines P1-C018; signing alone does not authorize the charge. \nNevada Legislature"],["No-agreement counseling","Base $100 or approved larger amount; qualifying 90-day refund","NRS 676A.580(4)(b)–(5)","Refines P1-C020; current adjusted amount remains held. \nNevada Legislature"],["Settlement fee timing","Three cumulative performance and calculation requirements before request or receipt","NRS 676A.580(6)(a)–(c)","Expands P1-C022 beyond its abbreviated two-condition statement. \nNevada Legislature"],["Annual adjustment mechanism","2010 base year; qualifying July 1 adjustment; publication required","NRS 676A.730(6)–(7); NAC 676A.060","Statutory procedure answered; October 2026 dollar table unresolved. \nNevada Legislature\n+1"]]},{"headers":["Source ID","Instrument and direct literal URL","Pinpoint/version and legal status","Actual access classification and limits","PASS-01 relationship"],"index":1,"links":[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+5"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+2"},{"href":"https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-233B.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/nac/NAC-676A.html","text":"Nevada Legislature\n+1"},{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV"},{"href":"https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf","text":"Fid NV\n+2"},{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV"},{"href":"https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf","text":"Fid NV\n+1"},{"href":"https://www.fid.nv.gov/notice-information/","text":"Fid NV"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+5"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+2"}],[{"href":"https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-233B.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/nac/NAC-676A.html","text":"Nevada Legislature\n+1"}],[{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV"}],[{"href":"https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf","text":"Fid NV\n+2"}],[{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV"}],[{"href":"https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf","text":"Fid NV\n+1"}],[{"href":"https://www.fid.nv.gov/notice-information/","text":"Fid NV"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"}],[],[]],"rows":[["Source ID","Instrument and direct literal URL","Pinpoint/version and legal status","Actual access classification and limits","PASS-01 relationship"],["S_NV-P2-S001","Nevada Legislature, NRS Chapter 676A. https://www.leg.state.nv.us/NRS/NRS-676A.html","Online header: [Rev. 10/6/2026 4:19:38 PM--2025]; §§676A.370(1)–(6), .580(1)–(7), .700(2)(i)(1)–(2), .730(6)–(7)","Freshly opened October 25, 2026. Complete specified subsections read; entire chapter not reread. \nNevada Legislature\n+5","Same document as P1-S001; new pinpoints and corrections, not a second independent authority."],["S_NV-P2-S002","Nevada Legislature, Approved Regulation R098-23AP. https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","Header filed June 20, 2024; §8 at printed/PDF page 4; §19 at printed/PDF page 10; repealed §676A.140 text at printed/PDF pages 11–12","Freshly opened and relevant pages visually inspected. Selected provisions read; entire 12-page credit-union material not substantively audited. \nNevada Legislature\n+2","Corrects P1’s reliance on the stale NAC compilation."],["S_NV-P2-S003","Nevada Legislature, 2023 NAC Register Numerical Index. https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm","R098-23A and R098-23AP rows 557–558; I/NI/P rows 559–561","Fresh selected-row read. Establishes document stage and Legislative Commission approval date, not every procedural event. \nNevada Legislature","New focused source."],["S_NV-P2-S004","Nevada Legislature, NRS Chapter 233B. https://www.leg.state.nv.us/NRS/NRS-233B.html","NRS 233B.070(1), lines 717–719","Fresh selected read. Used only for default effective-on-filing rule; no complete APA, stay or judicial-review audit. \nNevada Legislature","New focused source."],["S_NV-P2-S005","Nevada Legislature, online NAC Chapter 676A. https://www.leg.state.nv.us/nac/NAC-676A.html","Page refresh Apr. 13, 2026; chapter revision date Sept. 2018; NAC 676A.060; displayed .130 and .140","Fresh selected read. NAC 676A.060 is used for the 2010 base year and publication procedure. Displayed .130/.140 are stale against R098-23AP and are not used as current law. \nNevada Legislature\n+1","Same document as P1-S002, with explicit source-integrity correction."],["S_NV-P2-S006","Nevada FID, Uniform Debt Management Services. https://www.fid.nv.gov/licensing/uniform-debt-management-services/","“How to Obtain or Renew,” “Additional Resources” and “Important Dates”; last updated Aug. 28, 2026","Fresh relevant-body read. Current operational guidance: MU1/NMLS submissions, Nov. 1–Dec. 31 renewal, Dec. 31 expiration. Not legal permission or provider-status evidence. \nFid NV","Updated access to P1-S003."],["S_NV-P2-S007","Nevada FID, December 8, 2022 NMLS transition memorandum. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf","Both pages","Freshly opened and both pages visually inspected. Historical transition document; expressly says transition approval is not an examination, investigation, renewal or finding of statutory/regulatory compliance. \nFid NV\n+2","New focused procedural source; not a current checklist."],["S_NV-P2-S008","Nevada FID, Fees and Prime Interest Rate page. https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","“Fees” link; page last updated Aug. 18, 2026","Fresh relevant-body read. Links a government-fee PDF; contains no consumer-adjustment table in its visible body. \nFid NV","New route record."],["S_NV-P2-S009","Nevada FID, Financial Institutions Division Fees PDF. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf","One-page Uniform Debt-Management Services row","Freshly parsed and visually inspected. Filename indicates July 19, 2024; lists $2,000 application, $1,000 initial annual, $1,500 renewal and $75/examiner-hour. These are government/provider charges, not consumer-fee permission; the document is not treated as proof that every rate remained legally unchanged in October 2026. \nFid NV\n+1","P1-S004’s historical access classification remains intact; P2 independently opened the PDF."],["S_NV-P2-S010","Nevada FID, Notice & Information. https://www.fid.nv.gov/notice-information/","Complete visible notice categories; last updated Sept. 9, 2026","Fresh visible-body read. No Chapter 676A annual adjusted-dollar table appeared in the rendered categories. This is not proof that no separate publication exists. \nFid NV","New retrieval-route record."],["S_NV-P2-S011","NMLS Nevada FID state-resource route. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NV-FID","FID “Nevada State Specific in NMLS” link","Fresh route attempt; redirected to the state-resource center and produced zero extracted lines. No current Nevada checklist or consumer-adjustment publication was retrieved. \nNationwide Licensing System","Failed route only; not substantive authority."],["S_NV-P2-S012","Historical FID checklist. https://fid.nv.gov/uploadedfiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/676A-Checklist.pdf","Historical three-page checklist, revision reflected in the coordinator record","Coordinator-supplied prior read; not freshly relied upon as current. Its old mail/check procedure, bond and insurance entries do not replace the current NMLS materials or authorize prohibited settlement-account control.","P1-S005 remains a historical/discovery source and is not retroactively upgraded."],["S_NV-P2-S013","Adopted-stage predecessor R098-23A. https://www.leg.state.nv.us/Register/RegsReviewed/$R098-23A.PDF","Adopted-stage document preceding the filed AP version","Coordinator-supplied selected read; not freshly reopened. R098-23AP is the proof relied upon for the filed regulation.","Recorded only to distinguish stages; not counted as an independent authority."]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Conditions, confidence and limits","PASS-01 alias/effect"],"index":2,"links":[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+2"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+1"},{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+3"},{"href":"https://www.leg.state.nv.us/nac/NAC-676A.html","text":"Nevada Legislature\n+2"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"},{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"},{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV\n+3"},{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV\n+2"},{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV\n+2"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+2"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+1"}],[{"href":"https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","text":"Nevada Legislature\n+3"}],[{"href":"https://www.leg.state.nv.us/nac/NAC-676A.html","text":"Nevada Legislature\n+2"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}],[{"href":"https://www.leg.state.nv.us/NRS/NRS-676A.html","text":"Nevada Legislature\n+1"}],[{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV\n+3"}],[{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV\n+2"}],[{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV\n+2"}],[],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"}]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, confidence and limits","PASS-01 alias/effect"],["S_NV-P2-C001","A Nevada provider registration ordinarily expires December 31; renewal filing runs November 1–December 31.","S001, NRS 676A.370(1), (2)(a); S002 §8; S006 Important Dates","High. Does not determine a named provider’s status. \nNevada Legislature\n+2","Replaces P1-C016’s unresolved-conflict conclusion."],["S_NV-P2-C002","A timely and complete renewal remains effective until recorded denial; incomplete renewal can be cancelled December 31; reinstatement may occur if all required information and fees are submitted by February 28.","S001, NRS 676A.370(4)–(6)","High statutory confidence. “May reinstate” is discretionary. Appeal servicing is qualified and directed to existing agreements. \nNevada Legislature","Supplies the current replacement for old NAC 676A.140 treatment."],["S_NV-P2-C003","R098-23AP amended NAC 676A.130 from June 30 to December 31 and retained the $1,500 renewal and additional $1,500 reinstatement government fees.","S002 §8, printed/PDF p.4","High. Government charges, not consumer service-fee ceilings. \nNevada Legislature","Updates P1-C015 and corrects P1-C016."],["S_NV-P2-C004","R098-23AP expressly repealed NAC 676A.140 and its former 10/30-day extension procedure.","S002 §19 and repealed text, printed/PDF pp.10–12","High. The online NAC page has not integrated the repeal. \nNevada Legislature\n+1","Withdraws any current reliance on former §.140."],["S_NV-P2-C005","On the reviewed record, R098-23AP became effective upon its June 20, 2024 filing under NRS 233B.070(1).","S002 header; S003 AP row; S004 §233B.070(1)","High but qualified inference. No later-date phrase was found in the filed PDF; no separate stay/vacatur audit was completed. \nNevada Legislature\n+3","Resolves effective-status basis for C001–C004."],["S_NV-P2-C006","The online NAC page’s June 30 and former §.140 text are stale and do not create a current-law conflict.","S005 displayed §§.130–.140 compared with S002 §§8, 19","High source-integrity conclusion. Page-refresh date is not legal effect. \nNevada Legislature\n+2","Corrects P1 section 7."],["S_NV-P2-C007","A provider furnishing debt-settlement services may not own or exercise any control over the individual’s settlement account.","S001, NRS 676A.700(2)(i)(1)","High. Separate from federal dedicated-account requirements; does not itself approve a third-party design. \nNevada Legislature","Supplements P1-C003."],["S_NV-P2-C008","A provider may not furnish debt-settlement services for secured debt, debt ever secured or a Chapter 604A loan, and may not include such obligations in its fee calculation.","S001, NRS 676A.700(2)(i)(2)","High. Applies to debt-settlement services; actual debt history must be verified. \nNevada Legislature","New essential market-access limitation."],["S_NV-P2-C009","A signed compliant agreement is a prerequisite to charges, but does not independently authorize every charge.","S001, NRS 676A.580(1)–(2)","High. Later subsections and other law remain operative. \nNevada Legislature","Refines P1-C018."],["S_NV-P2-C010","After assent, education or counseling charges are generally prohibited except for Commissioner authorization based on the services and the preserved §700(5) branch.","S001, NRS 676A.580(3)","High as to structure. No individual Commissioner authorization was located. \nNevada Legislature","Adds the missing post-assent rule to P1-C018."],["S_NV-P2-C011","Without agreement assent, subsection 4(b) provides a base $100 counseling ceiling or approved larger fee; qualifying later assent within the 90-day period requires refund.","S001, NRS 676A.580(4)(b)–(5)","High statutory structure; current amount unresolved. §700(5) remains preserved. \nNevada Legislature\n+1","Refines P1-C020 and P1-C021."],["S_NV-P2-C012","Before requesting or receiving a settlement fee, the provider must satisfy all three requirements in §580(6)(a)–(c).","S001, NRS 676A.580(6)","High. Requires executed settlement/valid contract, actual qualifying payment and compliant fee calculation. \nNevada Legislature","Replaces P1-C022’s abbreviated formulation."],["S_NV-P2-C013","Section 580(6)(c) allows proportional enrolled-debt allocation or a uniform savings percentage; the examined subsection states no universal numerical percentage ceiling.","S001, NRS 676A.580(6)(c)(1)–(2)","High for statutory text; limited conclusion. Does not approve an arbitrary rate or resolve contract/federal issues. \nNevada Legislature","Clarifies P1-C023."],["S_NV-P2-C014","The $50/$10/$50 DMP figures, $100 counseling figure and lesser-of-$25 dishonor figure are statutory base amounts subject to adjustment, not verified October 2026 ceilings.","S001, NRS 676A.580(4), (7), .730(6)–(7)","High. Exact current amounts held. \nNevada Legislature\n+1","Preserves but qualifies P1-C019, C020 and C024."],["S_NV-P2-C015","Nevada uses 2010 as the base year; qualifying adjusted amounts take effect July 1, with §580 amounts rounded to the nearest dollar, and the Commissioner must publish changes.","S001, NRS 676A.730(6)–(7); S005, NAC 676A.060","High for procedure. Does not supply the actual 2026 table. \nNevada Legislature\n+1","Expands P1-C027."],["S_NV-P2-C016","No reliable official publication stating the consumer-fee dollar amounts applicable in October 2026 was retrieved in this bounded pass.","S006, S008, S010 and S011 retrieval routes; official-site searches described below","Evidence gap, not a negative legal finding. No CPI amount was manufactured. \nFid NV\n+3","P1’s adjusted-amount holds remain."],["S_NV-P2-C017","FID currently directs initial and renewal submissions through NMLS using MU1 and lists December 31 expiration, but this does not establish a provider’s authorization.","S006; S007","High operational confidence. The 2022 memo expressly disclaims compliance significance for transition approval. \nFid NV\n+2","Refines P1 procedure finding; no named-provider lookup."],["S_NV-P2-C018","The FID-linked fee PDF concerns provider-government charges and cannot support consumer charges.","S008–S009; S002 §8","High distinction. Filename-dated 2024 schedule is not treated as proof of every October 2026 governmental rate. \nFid NV\n+2","Qualifies P1-S004 and P1-C014–C015."],["S_NV-P2-C019","Federal TSR and CROA rules remain a conditional, independently applicable overlay rather than Nevada registration permission or an automatic universal rule.","Coordinator-supplied prior federal primary record; no new P2 federal source ID","Partial/held. Actual entity, representations, media, exemptions, account design and campaign facts remain unknown.","Refines, but does not convert, P1-C030."],["S_NV-P2-C020","No current NMLS Nevada checklist or named-provider registration status was established.","S011 failed route; no roster search performed","Unresolved by design. Procedure is distinct from provider status. \nNationwide Licensing System","Preserves P1 provider-status and checklist holds."]]},{"headers":["Official route or query","Actual result","Evidentiary consequence"],"index":3,"links":[{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV"},{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV\n+1"},{"href":"https://www.fid.nv.gov/notice-information/","text":"Fid NV"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"},{"href":"https://www.fid.nv.gov/siteassets/opinion/enforcement-action/2014-09-10_NetDebtLLC_OrderC-DUnlicensed.pdf?utm_source=chatgpt.com","text":"Fid NV\n+3"}],"row_links":[[],[{"href":"https://www.fid.nv.gov/licensing/uniform-debt-management-services/","text":"Fid NV"}],[{"href":"https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","text":"Fid NV\n+1"}],[{"href":"https://www.fid.nv.gov/notice-information/","text":"Fid NV"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID","text":"Nationwide Licensing System"}],[{"href":"https://www.fid.nv.gov/siteassets/opinion/enforcement-action/2014-09-10_NetDebtLLC_OrderC-DUnlicensed.pdf?utm_source=chatgpt.com","text":"Fid NV\n+3"}],[],[]],"rows":[["Official route or query","Actual result","Evidentiary consequence"],["Current FID Uniform Debt Management Services page","Current licensing and renewal information, forms and NMLS links; no visible annual adjusted-consumer-fee table","Useful for procedure and dates only. \nFid NV"],["Current FID Fees and Prime Interest Rate page","“Fees” link resolves to the one-page provider-government schedule","Does not answer adjusted consumer charges under NRS 676A.580. \nFid NV\n+1"],["Current FID Notice & Information page","Visible categories did not include a Chapter 676A annual dollar table","A searched route, not proof that no publication exists elsewhere. \nFid NV"],["FID-linked Nevada NMLS state-specific route","Redirected to the generic state-resource center; zero extracted lines","Current checklist and adjusted amounts not retrieved. \nNationwide Licensing System"],["Official-site searches for 676A.730, NAC 676A.060, “adjusted dollar amounts,” “CPI-U,” “July 1” and similar phrases","Indexed results returned the statute, NAC, 2010 adoption regulation and an older enforcement order, but no operative 2026 annual table","Confirms the legal publication duty, not the current dollar amounts. \nFid NV\n+3"],["Nevada public-notice site searches for Chapter 676A/debt-management adjustments","No responsive annual table retrieved","Narrow unresolved route; absence from search results is not absence of a notice."],["FID sitemap and robots routes","Not accessible through the public web tool","No directory-level completeness claim may be made. (Invalid URL)"]]},{"headers":["Scope","Status","Claims","Exact missing evidence / next investigation"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scope","Status","Claims","Exact missing evidence / next investigation"],["Ordinary annual expiration date","Answered and corrected","C001, C003, C005, C006","No further date reconciliation needed unless later authority, a stay or a superseding amendment is identified."],["Renewal filing period","Answered","C001","Apply to the provider’s actual submission timestamps."],["Timely complete renewal continuation","Answered as law; provider application unresolved","C002","Obtain the actual renewal application, completeness status and any recorded denial."],["Appeal and transition after denial","Partial","C002","Read the actual denial/order, appeal status, NRS 676A.750 implications and restrictions on new versus existing agreements."],["Cancellation for missing renewal items","Answered as law","C002","Determine which required items, if any, were missing by December 31 for the named provider."],["Reinstatement by February 28","Answered as discretionary framework","C002, C003","Obtain the actual reinstatement submission and Commissioner action; do not presume reinstatement."],["Former NAC 676A.140","Answered: repealed","C004–C006","No reliance on its former 10/30-day procedure. A broader rulemaking-history audit remains optional for the later registration manual."],["R098-23AP effective status","Answered for this focused correction, qualified","C005","Only a separate stay, vacatur or later-amendment audit could alter the reviewed default-effective-on-filing conclusion."],["$1,500 renewal and reinstatement charges","Answered as filed regulation","C003, C018","Confirm the actual NMLS invoice and any separate NMLS system fee for a specific application."],["Settlement-account ownership/control","Answered","C007","Review actual agreements, bank contracts, payment-processor rights, withdrawal controls and third-party affiliations."],["Secured debt","Answered for debt-settlement prohibition","C008","Determine whether each obligation is or ever was secured; do not assume from its present label."],["Debt formerly secured","Answered for debt-settlement prohibition","C008","Obtain origination and collateral-release history."],["Chapter 604A loans","Answered for debt-settlement prohibition","C008","Classify each actual loan under Chapter 604A before service or fee calculation."],["Application of these debt exclusions to DMPs","Not resolved beyond statutory wording","C008","Analyze the actual service as DMP, settlement or hybrid; §700(2)(i)(2) expressly addresses debt-settlement services."],["General signed-agreement prerequisite","Answered","C009","Inspect the agreement for compliance with §§540 and 700 in the contract pass."],["Post-assent education/counseling charge","Answered structurally","C010","Obtain any Commissioner authorization and analyze the §700(5) branch before charging."],["No-agreement counseling fee","Answered structurally; dollar amount unresolved","C011, C014–C016","Retrieve the 2026 adjusted amount and any actual approval for a larger fee."],["90-day counseling-fee refund","Answered structurally","C011","Establish counseling completion/termination date, assent date and exact fee paid under subsection 4(b)."],["Settlement-fee performance triggers","Answered","C012","Apply separately to each debt using the executed settlement, actual creditor/debt-collector agreement and actual payment proof."],["Proportional allocation method","Answered as formula","C012–C013","Verify one consistent contracted total fee and contemporaneous enrolled balances."],["Savings method","Answered as formula","C012–C013","Verify one uniform percentage and the amount actually paid to satisfy each debt."],["Universal numerical Nevada settlement percentage cap","No cap found in examined §580(6); broader question held","C013","Review contract law, other Nevada statutes, cases, Commissioner interpretations and federal law before drawing a launch conclusion."],["DMP base figures","Verified as statutory bases only","C014–C016","Retrieve actual 2026 annual publication."],["No-agreement $100 base","Verified as statutory base only","C011, C014–C016","Retrieve actual 2026 annual publication."],["Dishonored-payment $25 base","Verified as statutory base only","C014–C016","Retrieve adjusted amount and the separate amount permitted by other applicable law."],["Annual adjustment mechanism","Answered","C015","None as to statutory procedure."],["Actual July 1, 2026 adjusted consumer amounts","Unresolved","C016","Retrieve Commissioner publication/provider notice with version, effective date, amounts, rounding and supersession history."],["Current NMLS Nevada checklist","Unresolved","C017, C020","Retrieve the live state checklist in a renderable public form."],["2022 NMLS transition significance","Answered and limited","C017","Transition approval is not compliance approval; use only as procedural history."],["Named-provider authorization","Not investigated in P2","C020","Search exact legal entity and trade names in the current public list/NMLS Consumer Access and inspect dates, status and locations."],["Federal TSR debt-relief timing","Conditional supplied overlay; not freshly verified","C019","Apply exact current federal text to actual telemarketing, entity, service and transaction facts."],["Federal dedicated-account conditions","Conditional supplied overlay","C007, C019","Analyze separately from Nevada’s no-control rule; obtain actual bank and referral arrangements."],["Credit-repair TSR/CROA overlap","Conditional and unresolved","C019","Obtain actual representations, promised period, consumer-report practice, entity status, media and exemptions."],["Government fee schedule","Partial","C003, C018","The dated PDF and filed regulation support selected amounts; current NRS 658.101-linked rates and all NMLS charges were not fully verified."],["Complete contracts, disclosures and cancellation","Deferred","C009–C013","Full §§520–560, 600–630, regulations, agreement and recordkeeping pass required."],["Complete account, trust and funds architecture","Deferred except express no-control rule","C007","Full §570, bank, processor, designated-account and refund analysis required."],["Bond, insurance and complete application package","Deferred","C017, C020","Current NMLS checklist, forms, adjusted bond amount and actual applicant documents required."],["Cases and formal agency interpretations","Not researched in P2","None","Search controlling Nevada and federal decisions plus authoritative FID interpretations."],["Remaining sectors, exemptions, collection, litigation, remedies, limitations, local and tribal law","Outside P2; all remain required","None","Complete later state components; no negative finding or permission follows from omission."],["Nevada, parent-project, A066 or publication acceptance","Not established","None","Requires separate coordinator and qualified legal review after all open components are completed."]]}],"claims":[{"claim_id":"S_NV-P2-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C001","Precise assertion":"A Nevada provider registration ordinarily expires December 31; renewal filing runs November 1–December 31.","Source and pinpoint":"S001, NRS 676A.370(1), (2)(a); S002 §8; S006 Important Dates","Conditions, confidence and limits":"High. Does not determine a named provider’s status. \nNevada Legislature\n+2","PASS-01 alias/effect":"Replaces P1-C016’s unresolved-conflict conclusion."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C002","Precise assertion":"A timely and complete renewal remains effective until recorded denial; incomplete renewal can be cancelled December 31; reinstatement may occur if all required information and fees are submitted by February 28.","Source and pinpoint":"S001, NRS 676A.370(4)–(6)","Conditions, confidence and limits":"High statutory confidence. “May reinstate” is discretionary. Appeal servicing is qualified and directed to existing agreements. \nNevada Legislature","PASS-01 alias/effect":"Supplies the current replacement for old NAC 676A.140 treatment."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C003","Precise assertion":"R098-23AP amended NAC 676A.130 from June 30 to December 31 and retained the $1,500 renewal and additional $1,500 reinstatement government fees.","Source and pinpoint":"S002 §8, printed/PDF p.4","Conditions, confidence and limits":"High. Government charges, not consumer service-fee ceilings. \nNevada Legislature","PASS-01 alias/effect":"Updates P1-C015 and corrects P1-C016."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C004","Precise assertion":"R098-23AP expressly repealed NAC 676A.140 and its former 10/30-day extension procedure.","Source and pinpoint":"S002 §19 and repealed text, printed/PDF pp.10–12","Conditions, confidence and limits":"High. The online NAC page has not integrated the repeal. \nNevada Legislature\n+1","PASS-01 alias/effect":"Withdraws any current reliance on former §.140."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C005","Precise assertion":"On the reviewed record, R098-23AP became effective upon its June 20, 2024 filing under NRS 233B.070(1).","Source and pinpoint":"S002 header; S003 AP row; S004 §233B.070(1)","Conditions, confidence and limits":"High but qualified inference. No later-date phrase was found in the filed PDF; no separate stay/vacatur audit was completed. \nNevada Legislature\n+3","PASS-01 alias/effect":"Resolves effective-status basis for C001–C004."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C006","Precise assertion":"The online NAC page’s June 30 and former §.140 text are stale and do not create a current-law conflict.","Source and pinpoint":"S005 displayed §§.130–.140 compared with S002 §§8, 19","Conditions, confidence and limits":"High source-integrity conclusion. Page-refresh date is not legal effect. \nNevada Legislature\n+2","PASS-01 alias/effect":"Corrects P1 section 7."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C007","Precise assertion":"A provider furnishing debt-settlement services may not own or exercise any control over the individual’s settlement account.","Source and pinpoint":"S001, NRS 676A.700(2)(i)(1)","Conditions, confidence and limits":"High. Separate from federal dedicated-account requirements; does not itself approve a third-party design. \nNevada Legislature","PASS-01 alias/effect":"Supplements P1-C003."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C008","Precise assertion":"A provider may not furnish debt-settlement services for secured debt, debt ever secured or a Chapter 604A loan, and may not include such obligations in its fee calculation.","Source and pinpoint":"S001, NRS 676A.700(2)(i)(2)","Conditions, confidence and limits":"High. Applies to debt-settlement services; actual debt history must be verified. \nNevada Legislature","PASS-01 alias/effect":"New essential market-access limitation."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C009","Precise assertion":"A signed compliant agreement is a prerequisite to charges, but does not independently authorize every charge.","Source and pinpoint":"S001, NRS 676A.580(1)–(2)","Conditions, confidence and limits":"High. Later subsections and other law remain operative. \nNevada Legislature","PASS-01 alias/effect":"Refines P1-C018."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C010","Precise assertion":"After assent, education or counseling charges are generally prohibited except for Commissioner authorization based on the services and the preserved §700(5) branch.","Source and pinpoint":"S001, NRS 676A.580(3)","Conditions, confidence and limits":"High as to structure. No individual Commissioner authorization was located. \nNevada Legislature","PASS-01 alias/effect":"Adds the missing post-assent rule to P1-C018."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C011","Precise assertion":"Without agreement assent, subsection 4(b) provides a base $100 counseling ceiling or approved larger fee; qualifying later assent within the 90-day period requires refund.","Source and pinpoint":"S001, NRS 676A.580(4)(b)–(5)","Conditions, confidence and limits":"High statutory structure; current amount unresolved. §700(5) remains preserved. \nNevada Legislature\n+1","PASS-01 alias/effect":"Refines P1-C020 and P1-C021."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C012","Precise assertion":"Before requesting or receiving a settlement fee, the provider must satisfy all three requirements in §580(6)(a)–(c).","Source and pinpoint":"S001, NRS 676A.580(6)","Conditions, confidence and limits":"High. Requires executed settlement/valid contract, actual qualifying payment and compliant fee calculation. \nNevada Legislature","PASS-01 alias/effect":"Replaces P1-C022’s abbreviated formulation."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C013","Precise assertion":"Section 580(6)(c) allows proportional enrolled-debt allocation or a uniform savings percentage; the examined subsection states no universal numerical percentage ceiling.","Source and pinpoint":"S001, NRS 676A.580(6)(c)(1)–(2)","Conditions, confidence and limits":"High for statutory text; limited conclusion. Does not approve an arbitrary rate or resolve contract/federal issues. \nNevada Legislature","PASS-01 alias/effect":"Clarifies P1-C023."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C014","Precise assertion":"The $50/$10/$50 DMP figures, $100 counseling figure and lesser-of-$25 dishonor figure are statutory base amounts subject to adjustment, not verified October 2026 ceilings.","Source and pinpoint":"S001, NRS 676A.580(4), (7), .730(6)–(7)","Conditions, confidence and limits":"High. Exact current amounts held. \nNevada Legislature\n+1","PASS-01 alias/effect":"Preserves but qualifies P1-C019, C020 and C024."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C015","Precise assertion":"Nevada uses 2010 as the base year; qualifying adjusted amounts take effect July 1, with §580 amounts rounded to the nearest dollar, and the Commissioner must publish changes.","Source and pinpoint":"S001, NRS 676A.730(6)–(7); S005, NAC 676A.060","Conditions, confidence and limits":"High for procedure. Does not supply the actual 2026 table. \nNevada Legislature\n+1","PASS-01 alias/effect":"Expands P1-C027."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C016","Precise assertion":"No reliable official publication stating the consumer-fee dollar amounts applicable in October 2026 was retrieved in this bounded pass.","Source and pinpoint":"S006, S008, S010 and S011 retrieval routes; official-site searches described below","Conditions, confidence and limits":"Evidence gap, not a negative legal finding. No CPI amount was manufactured. \nFid NV\n+3","PASS-01 alias/effect":"P1’s adjusted-amount holds remain."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C017","Precise assertion":"FID currently directs initial and renewal submissions through NMLS using MU1 and lists December 31 expiration, but this does not establish a provider’s authorization.","Source and pinpoint":"S006; S007","Conditions, confidence and limits":"High operational confidence. The 2022 memo expressly disclaims compliance significance for transition approval. \nFid NV\n+2","PASS-01 alias/effect":"Refines P1 procedure finding; no named-provider lookup."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C018","Precise assertion":"The FID-linked fee PDF concerns provider-government charges and cannot support consumer charges.","Source and pinpoint":"S008–S009; S002 §8","Conditions, confidence and limits":"High distinction. Filename-dated 2024 schedule is not treated as proof of every October 2026 governmental rate. \nFid NV\n+2","PASS-01 alias/effect":"Qualifies P1-S004 and P1-C014–C015."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C019","Precise assertion":"Federal TSR and CROA rules remain a conditional, independently applicable overlay rather than Nevada registration permission or an automatic universal rule.","Source and pinpoint":"Coordinator-supplied prior federal primary record; no new P2 federal source ID","Conditions, confidence and limits":"Partial/held. Actual entity, representations, media, exemptions, account design and campaign facts remain unknown.","PASS-01 alias/effect":"Refines, but does not convert, P1-C030."},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_NV-P2-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NV-P2-C020","Precise assertion":"No current NMLS Nevada checklist or named-provider registration status was established.","Source and pinpoint":"S011 failed route; no roster search performed","Conditions, confidence and limits":"Unresolved by design. Procedure is distinct from provider status. \nNationwide Licensing System","PASS-01 alias/effect":"Preserves P1 provider-status and checklist holds."},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_NV-P2-S001","urls":["https://www.leg.state.nv.us/NRS/NRS-676A.html"],"researcher_record":{"Source ID":"S_NV-P2-S001","Instrument and direct literal URL":"Nevada Legislature, NRS Chapter 676A. https://www.leg.state.nv.us/NRS/NRS-676A.html","Pinpoint/version and legal status":"Online header: [Rev. 10/6/2026 4:19:38 PM--2025]; §§676A.370(1)–(6), .580(1)–(7), .700(2)(i)(1)–(2), .730(6)–(7)","Actual access classification and limits":"Freshly opened October 25, 2026. Complete specified subsections read; entire chapter not reread. \nNevada Legislature\n+5","PASS-01 relationship":"Same document as P1-S001; new pinpoints and corrections, not a second independent authority."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S002","urls":["https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf"],"researcher_record":{"Source ID":"S_NV-P2-S002","Instrument and direct literal URL":"Nevada Legislature, Approved Regulation R098-23AP. https://www.leg.state.nv.us/Register/2023Register/R098-23AP.pdf","Pinpoint/version and legal status":"Header filed June 20, 2024; §8 at printed/PDF page 4; §19 at printed/PDF page 10; repealed §676A.140 text at printed/PDF pages 11–12","Actual access classification and limits":"Freshly opened and relevant pages visually inspected. Selected provisions read; entire 12-page credit-union material not substantively audited. \nNevada Legislature\n+2","PASS-01 relationship":"Corrects P1’s reliance on the stale NAC compilation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S003","urls":["https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm"],"researcher_record":{"Source ID":"S_NV-P2-S003","Instrument and direct literal URL":"Nevada Legislature, 2023 NAC Register Numerical Index. https://www.leg.state.nv.us/register/indexes/2023_NAC_REGISTER_NUMERICAL.htm","Pinpoint/version and legal status":"R098-23A and R098-23AP rows 557–558; I/NI/P rows 559–561","Actual access classification and limits":"Fresh selected-row read. Establishes document stage and Legislative Commission approval date, not every procedural event. \nNevada Legislature","PASS-01 relationship":"New focused source."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S004","urls":["https://www.leg.state.nv.us/NRS/NRS-233B.html"],"researcher_record":{"Source ID":"S_NV-P2-S004","Instrument and direct literal URL":"Nevada Legislature, NRS Chapter 233B. https://www.leg.state.nv.us/NRS/NRS-233B.html","Pinpoint/version and legal status":"NRS 233B.070(1), lines 717–719","Actual access classification and limits":"Fresh selected read. Used only for default effective-on-filing rule; no complete APA, stay or judicial-review audit. \nNevada Legislature","PASS-01 relationship":"New focused source."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S005","urls":["https://www.leg.state.nv.us/nac/NAC-676A.html"],"researcher_record":{"Source ID":"S_NV-P2-S005","Instrument and direct literal URL":"Nevada Legislature, online NAC Chapter 676A. https://www.leg.state.nv.us/nac/NAC-676A.html","Pinpoint/version and legal status":"Page refresh Apr. 13, 2026; chapter revision date Sept. 2018; NAC 676A.060; displayed .130 and .140","Actual access classification and limits":"Fresh selected read. NAC 676A.060 is used for the 2010 base year and publication procedure. Displayed .130/.140 are stale against R098-23AP and are not used as current law. \nNevada Legislature\n+1","PASS-01 relationship":"Same document as P1-S002, with explicit source-integrity correction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S006","urls":["https://www.fid.nv.gov/licensing/uniform-debt-management-services/"],"researcher_record":{"Source ID":"S_NV-P2-S006","Instrument and direct literal URL":"Nevada FID, Uniform Debt Management Services. https://www.fid.nv.gov/licensing/uniform-debt-management-services/","Pinpoint/version and legal status":"“How to Obtain or Renew,” “Additional Resources” and “Important Dates”; last updated Aug. 28, 2026","Actual access classification and limits":"Fresh relevant-body read. Current operational guidance: MU1/NMLS submissions, Nov. 1–Dec. 31 renewal, Dec. 31 expiration. Not legal permission or provider-status evidence. \nFid NV","PASS-01 relationship":"Updated access to P1-S003."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S007","urls":["https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf"],"researcher_record":{"Source ID":"S_NV-P2-S007","Instrument and direct literal URL":"Nevada FID, December 8, 2022 NMLS transition memorandum. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/Transition%20Memo%20-%20DMSM%2012.8.22.pdf","Pinpoint/version and legal status":"Both pages","Actual access classification and limits":"Freshly opened and both pages visually inspected. Historical transition document; expressly says transition approval is not an examination, investigation, renewal or finding of statutory/regulatory compliance. \nFid NV\n+2","PASS-01 relationship":"New focused procedural source; not a current checklist."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S008","urls":["https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/"],"researcher_record":{"Source ID":"S_NV-P2-S008","Instrument and direct literal URL":"Nevada FID, Fees and Prime Interest Rate page. https://www.fid.nv.gov/resources/fees-and-prime-interest-rate/","Pinpoint/version and legal status":"“Fees” link; page last updated Aug. 18, 2026","Actual access classification and limits":"Fresh relevant-body read. Links a government-fee PDF; contains no consumer-adjustment table in its visible body. \nFid NV","PASS-01 relationship":"New route record."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S009","urls":["https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf"],"researcher_record":{"Source ID":"S_NV-P2-S009","Instrument and direct literal URL":"Nevada FID, Financial Institutions Division Fees PDF. https://www.fid.nv.gov/uploadedFiles/fidnvgov/content/Resources/NFID%20FEES%207.19.24.pdf","Pinpoint/version and legal status":"One-page Uniform Debt-Management Services row","Actual access classification and limits":"Freshly parsed and visually inspected. Filename indicates July 19, 2024; lists $2,000 application, $1,000 initial annual, $1,500 renewal and $75/examiner-hour. These are government/provider charges, not consumer-fee permission; the document is not treated as proof that every rate remained legally unchanged in October 2026. \nFid NV\n+1","PASS-01 relationship":"P1-S004’s historical access classification remains intact; P2 independently opened the PDF."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S010","urls":["https://www.fid.nv.gov/notice-information/"],"researcher_record":{"Source ID":"S_NV-P2-S010","Instrument and direct literal URL":"Nevada FID, Notice & Information. https://www.fid.nv.gov/notice-information/","Pinpoint/version and legal status":"Complete visible notice categories; last updated Sept. 9, 2026","Actual access classification and limits":"Fresh visible-body read. No Chapter 676A annual adjusted-dollar table appeared in the rendered categories. This is not proof that no separate publication exists. \nFid NV","PASS-01 relationship":"New retrieval-route record."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S011","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NV-FID","https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NV-FID"],"researcher_record":{"Source ID":"S_NV-P2-S011","Instrument and direct literal URL":"NMLS Nevada FID state-resource route. https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NV-FID","Pinpoint/version and legal status":"FID “Nevada State Specific in NMLS” link","Actual access classification and limits":"Fresh route attempt; redirected to the state-resource center and produced zero extracted lines. No current Nevada checklist or consumer-adjustment publication was retrieved. \nNationwide Licensing System","PASS-01 relationship":"Failed route only; not substantive authority."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S012","urls":["https://fid.nv.gov/uploadedfiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/676A-Checklist.pdf"],"researcher_record":{"Source ID":"S_NV-P2-S012","Instrument and direct literal URL":"Historical FID checklist. https://fid.nv.gov/uploadedfiles/fidnvgov/content/Licensing/Uniform-Debt-Management_Services/676A-Checklist.pdf","Pinpoint/version and legal status":"Historical three-page checklist, revision reflected in the coordinator record","Actual access classification and limits":"Coordinator-supplied prior read; not freshly relied upon as current. Its old mail/check procedure, bond and insurance entries do not replace the current NMLS materials or authorize prohibited settlement-account control.","PASS-01 relationship":"P1-S005 remains a historical/discovery source and is not retroactively upgraded."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NV-P2-S013","urls":["https://www.leg.state.nv.us/Register/RegsReviewed/$R098-23A.PDF"],"researcher_record":{"Source ID":"S_NV-P2-S013","Instrument and direct literal URL":"Adopted-stage predecessor R098-23A. https://www.leg.state.nv.us/Register/RegsReviewed/$R098-23A.PDF","Pinpoint/version and legal status":"Adopted-stage document preceding the filed AP version","Actual access classification and limits":"Coordinator-supplied selected read; not freshly reopened. R098-23AP is the proof relied upon for the filed regulation.","PASS-01 relationship":"Recorded only to distinguish stages; not counted as an independent authority."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Ordinary annual expiration date","researcher_record":{"Scope":"Ordinary annual expiration date","Status":"Answered and corrected","Claims":"C001, C003, C005, C006","Exact missing evidence / next investigation":"No further date reconciliation needed unless later authority, a stay or a superseding amendment is identified."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Renewal filing period","researcher_record":{"Scope":"Renewal filing period","Status":"Answered","Claims":"C001","Exact missing evidence / next investigation":"Apply to the provider’s actual submission timestamps."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Timely complete renewal continuation","researcher_record":{"Scope":"Timely complete renewal continuation","Status":"Answered as law; provider application unresolved","Claims":"C002","Exact missing evidence / next investigation":"Obtain the actual renewal application, completeness status and any recorded denial."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Appeal and transition after denial","researcher_record":{"Scope":"Appeal and transition after denial","Status":"Partial","Claims":"C002","Exact missing evidence / next investigation":"Read the actual denial/order, appeal status, NRS 676A.750 implications and restrictions on new versus existing agreements."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Cancellation for missing renewal items","researcher_record":{"Scope":"Cancellation for missing renewal items","Status":"Answered as law","Claims":"C002","Exact missing evidence / next investigation":"Determine which required items, if any, were missing by December 31 for the named provider."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Reinstatement by February 28","researcher_record":{"Scope":"Reinstatement by February 28","Status":"Answered as discretionary framework","Claims":"C002, C003","Exact missing evidence / next investigation":"Obtain the actual reinstatement submission and Commissioner action; do not presume reinstatement."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Former NAC 676A.140","researcher_record":{"Scope":"Former NAC 676A.140","Status":"Answered: repealed","Claims":"C004–C006","Exact missing evidence / next investigation":"No reliance on its former 10/30-day procedure. A broader rulemaking-history audit remains optional for the later registration manual."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"R098-23AP effective status","researcher_record":{"Scope":"R098-23AP effective status","Status":"Answered for this focused correction, qualified","Claims":"C005","Exact missing evidence / next investigation":"Only a separate stay, vacatur or later-amendment audit could alter the reviewed default-effective-on-filing conclusion."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"$1,500 renewal and reinstatement charges","researcher_record":{"Scope":"$1,500 renewal and reinstatement charges","Status":"Answered as filed regulation","Claims":"C003, C018","Exact missing evidence / next investigation":"Confirm the actual NMLS invoice and any separate NMLS system fee for a specific application."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Settlement-account ownership/control","researcher_record":{"Scope":"Settlement-account ownership/control","Status":"Answered","Claims":"C007","Exact missing evidence / next investigation":"Review actual agreements, bank contracts, payment-processor rights, withdrawal controls and third-party affiliations."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Secured debt","researcher_record":{"Scope":"Secured debt","Status":"Answered for debt-settlement prohibition","Claims":"C008","Exact missing evidence / next investigation":"Determine whether each obligation is or ever was secured; do not assume from its present label."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Debt formerly secured","researcher_record":{"Scope":"Debt formerly secured","Status":"Answered for debt-settlement prohibition","Claims":"C008","Exact missing evidence / next investigation":"Obtain origination and collateral-release history."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Chapter 604A loans","researcher_record":{"Scope":"Chapter 604A loans","Status":"Answered for debt-settlement prohibition","Claims":"C008","Exact missing evidence / next investigation":"Classify each actual loan under Chapter 604A before service or fee calculation."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Application of these debt exclusions to DMPs","researcher_record":{"Scope":"Application of these debt exclusions to DMPs","Status":"Not resolved beyond statutory wording","Claims":"C008","Exact missing evidence / next investigation":"Analyze the actual service as DMP, settlement or hybrid; §700(2)(i)(2) expressly addresses debt-settlement services."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"General signed-agreement prerequisite","researcher_record":{"Scope":"General signed-agreement prerequisite","Status":"Answered","Claims":"C009","Exact missing evidence / next investigation":"Inspect the agreement for compliance with §§540 and 700 in the contract pass."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Post-assent education/counseling charge","researcher_record":{"Scope":"Post-assent education/counseling charge","Status":"Answered structurally","Claims":"C010","Exact missing evidence / next investigation":"Obtain any Commissioner authorization and analyze the §700(5) branch before charging."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"No-agreement counseling fee","researcher_record":{"Scope":"No-agreement counseling fee","Status":"Answered structurally; dollar amount unresolved","Claims":"C011, C014–C016","Exact missing evidence / next investigation":"Retrieve the 2026 adjusted amount and any actual approval for a larger fee."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"90-day counseling-fee refund","researcher_record":{"Scope":"90-day counseling-fee refund","Status":"Answered structurally","Claims":"C011","Exact missing evidence / next investigation":"Establish counseling completion/termination date, assent date and exact fee paid under subsection 4(b)."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Settlement-fee performance triggers","researcher_record":{"Scope":"Settlement-fee performance triggers","Status":"Answered","Claims":"C012","Exact missing evidence / next investigation":"Apply separately to each debt using the executed settlement, actual creditor/debt-collector agreement and actual payment proof."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Proportional allocation method","researcher_record":{"Scope":"Proportional allocation method","Status":"Answered as formula","Claims":"C012–C013","Exact missing evidence / next investigation":"Verify one consistent contracted total fee and contemporaneous enrolled balances."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Savings method","researcher_record":{"Scope":"Savings method","Status":"Answered as formula","Claims":"C012–C013","Exact missing evidence / next investigation":"Verify one uniform percentage and the amount actually paid to satisfy each debt."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Universal numerical Nevada settlement percentage cap","researcher_record":{"Scope":"Universal numerical Nevada settlement percentage cap","Status":"No cap found in examined §580(6); broader question held","Claims":"C013","Exact missing evidence / next investigation":"Review contract law, other Nevada statutes, cases, Commissioner interpretations and federal law before drawing a launch conclusion."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"DMP base figures","researcher_record":{"Scope":"DMP base figures","Status":"Verified as statutory bases only","Claims":"C014–C016","Exact missing evidence / next investigation":"Retrieve actual 2026 annual publication."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"No-agreement $100 base","researcher_record":{"Scope":"No-agreement $100 base","Status":"Verified as statutory base only","Claims":"C011, C014–C016","Exact missing evidence / next investigation":"Retrieve actual 2026 annual publication."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Dishonored-payment $25 base","researcher_record":{"Scope":"Dishonored-payment $25 base","Status":"Verified as statutory base only","Claims":"C014–C016","Exact missing evidence / next investigation":"Retrieve adjusted amount and the separate amount permitted by other applicable law."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Annual adjustment mechanism","researcher_record":{"Scope":"Annual adjustment mechanism","Status":"Answered","Claims":"C015","Exact missing evidence / next investigation":"None as to statutory procedure."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Actual July 1, 2026 adjusted consumer amounts","researcher_record":{"Scope":"Actual July 1, 2026 adjusted consumer amounts","Status":"Unresolved","Claims":"C016","Exact missing evidence / next investigation":"Retrieve Commissioner publication/provider notice with version, effective date, amounts, rounding and supersession history."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Current NMLS Nevada checklist","researcher_record":{"Scope":"Current NMLS Nevada checklist","Status":"Unresolved","Claims":"C017, C020","Exact missing evidence / next investigation":"Retrieve the live state checklist in a renderable public form."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"2022 NMLS transition significance","researcher_record":{"Scope":"2022 NMLS transition significance","Status":"Answered and limited","Claims":"C017","Exact missing evidence / next investigation":"Transition approval is not compliance approval; use only as procedural history."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Named-provider authorization","researcher_record":{"Scope":"Named-provider authorization","Status":"Not investigated in P2","Claims":"C020","Exact missing evidence / next investigation":"Search exact legal entity and trade names in the current public list/NMLS Consumer Access and inspect dates, status and locations."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Federal TSR debt-relief timing","researcher_record":{"Scope":"Federal TSR debt-relief timing","Status":"Conditional supplied overlay; not freshly verified","Claims":"C019","Exact missing evidence / next investigation":"Apply exact current federal text to actual telemarketing, entity, service and transaction facts."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Federal dedicated-account conditions","researcher_record":{"Scope":"Federal dedicated-account conditions","Status":"Conditional supplied overlay","Claims":"C007, C019","Exact missing evidence / next investigation":"Analyze separately from Nevada’s no-control rule; obtain actual bank and referral arrangements."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Credit-repair TSR/CROA overlap","researcher_record":{"Scope":"Credit-repair TSR/CROA overlap","Status":"Conditional and unresolved","Claims":"C019","Exact missing evidence / next investigation":"Obtain actual representations, promised period, consumer-report practice, entity status, media and exemptions."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Government fee schedule","researcher_record":{"Scope":"Government fee schedule","Status":"Partial","Claims":"C003, C018","Exact missing evidence / next investigation":"The dated PDF and filed regulation support selected amounts; current NRS 658.101-linked rates and all NMLS charges were not fully verified."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Complete contracts, disclosures and cancellation","researcher_record":{"Scope":"Complete contracts, disclosures and cancellation","Status":"Deferred","Claims":"C009–C013","Exact missing evidence / next investigation":"Full §§520–560, 600–630, regulations, agreement and recordkeeping pass required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Complete account, trust and funds architecture","researcher_record":{"Scope":"Complete account, trust and funds architecture","Status":"Deferred except express no-control rule","Claims":"C007","Exact missing evidence / next investigation":"Full §570, bank, processor, designated-account and refund analysis required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Bond, insurance and complete application package","researcher_record":{"Scope":"Bond, insurance and complete application package","Status":"Deferred","Claims":"C017, C020","Exact missing evidence / next investigation":"Current NMLS checklist, forms, adjusted bond amount and actual applicant documents required."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Cases and formal agency interpretations","researcher_record":{"Scope":"Cases and formal agency interpretations","Status":"Not researched in P2","Claims":"None","Exact missing evidence / next investigation":"Search controlling Nevada and federal decisions plus authoritative FID interpretations."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Remaining sectors, exemptions, collection, litigation, remedies, limitations, local and tribal law","researcher_record":{"Scope":"Remaining sectors, exemptions, collection, litigation, remedies, limitations, local and tribal law","Status":"Outside P2; all remain required","Claims":"None","Exact missing evidence / next investigation":"Complete later state components; no negative finding or permission follows from omission."},"coordinator_acceptance":"not_yet_reviewed"},{"topic":"Nevada, parent-project, A066 or publication acceptance","researcher_record":{"Scope":"Nevada, parent-project, A066 or publication acceptance","Status":"Not established","Claims":"None","Exact missing evidence / next investigation":"Requires separate coordinator and qualified legal review after all open components are completed."},"coordinator_acceptance":"not_yet_reviewed"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}