{"meta":{"key":"s_ny--access-01","task":"S_NY","title":"SNY ACCESS-01 — Source provenance correction","parent_title":"New York debt and debt relief law","edition":"access-01","path":"/research/s_ny--access-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":2,"claims":0,"sources":1,"review_status":"revise","review_complete":true,"sha256":"91ad97dc333b644b947cbe1f2d9b1be173038954595333b7d3743b10b258b131","headings":["1. Corrected S_NY-P02-C005 finding and status","Prior evidence reuse","2. Corrected S_NY-P02-S003 source-register row","3. Claim, source and coverage disposition","4. Residual holds"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NY/access-01","facets":{"geography":["us","us-ny"],"debt_type":[],"stage":[],"subject":["research-quality"]},"scope":"","pending_corrections":0},"markdown":"# S_NY ACCESS-01 — Source provenance correction\n\nSettleADebt.com | A066 | New York | Baseline: October 22, 2026 | Correction date: October 22, 2026 | GPT-6, regular Chat; no Deep Research invoked\n\n## 1. Corrected S_NY-P02-C005 finding and status\n\nCorrection: Pass-02 incorrectly described the 2022 Westlaw reproduction of 3 NYCRR § 402.10 as opened. Its source register correctly recorded that the text was obtained through a search extract and that direct opening failed with HTTP 403.\n\nNo successful full-page opening of that Westlaw source is documented.\n\nThe corrected finding is:\n\nS_NY-P02-C005 — Rescission, notice and conditional fee refunds\n\nA search extract attributed to an unofficial Westlaw reproduction of 3 NYCRR § 402.10, labeled current through February 15, 2022, describes:\n\n- § 402.10(a): three-business-day rescission and notice requirements.\n- § 402.10(b): written rescission notice.\n- § 402.10(c): a mailing rule treating properly addressed and posted notice as given upon mailing.\n- § 402.10(d): prompt return of contract-associated fees following timely rescission, subject to an exception for reasonable counseling fees separately imposed.\n\nEvidence status: Search-extract-only for the Westlaw source; direct opening failed. Current official October 2026 text unverified.\n\nThese provisions are reported contents of the historical reproduction, not independently authenticated operative October 2026 regulatory requirements.\n\n### Prior evidence reuse\n\nPass-01 separately registered:\n\nS_NY-P01-S018 — Cornell LII, 3 NYCRR § 402.10\n\n[https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.10](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.10?utm_source=chatgpt.com)\n\nPass-01 reported that the Cornell reproduction was opened on October 22, 2026.\n\nThat is previously reported secondary-source access, not a fresh opening in pass-02 or this correction. The prior access report does not establish the regulation's October 2026 currency.\n\n## 2. Corrected S_NY-P02-S003 source-register row\n\n| Source ID | Title / issuer | Direct literal HTTPS URL | Pinpoint | Version / effective status | Actual check date | Actual access method / limitations |\n| --- | --- | --- | --- | --- | --- | --- |\n| S_NY-P02-S003 | 3 NYCRR § 402.10, unofficial Westlaw NYCRR reproduction | [https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText](https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com) | § 402.10(a)–(d), as represented in search extract | Reproduction labeled current through February 15, 2022; October 2026 official status unverified | 2026-10-22 | Search extract only. Direct full-page opening attempted and failed HTTP 403. Not opened. |\n\nNo new source ID is created because no new source was retrieved.\n\n## 3. Claim, source and coverage disposition\n\n| Record | Corrected disposition | Consequence |\n| --- | --- | --- |\n| S_NY-P02-C005 | Partial; historical secondary search extract, with separately reported prior Cornell access | Remove the affirmative “opened Westlaw reproduction” wording |\n| S_NY-P02-S003 | Search-extract-only; HTTP 403 on direct opening | Preserve the failed-access record |\n| S_NY-P01-S018 | Prior secondary evidence reportedly opened in pass-01 | Do not count as a fresh pass-02 opening |\n| S_NY-P02-C009 | Separate § 402.11 ordinary-termination finding | Unchanged; does not authenticate § 402.10 |\n| Three-business-day rescission | Partial | Banking Law § 584-a independently supports the contractual cancellation-notice requirement; complete regulatory mechanics remain unverified |\n| Written delivery and posting | Partial | Authenticate current official § 402.10(b)–(c) |\n| Contract-fee and counseling-fee refunds | Partial | Authenticate current official § 402.10(d) and related provisions |\n| Unused debtor funds | Unresolved | Obtain current official § 402.22 |\n| Official regulatory access route | Route verified by coordinator | DOS State Register link to public Westlaw NYCRR does not authenticate every section or amendment |\n| DFS annual-report deadline | No new 2026 conclusion | Historical 2025 prose cannot establish a 2026 deadline |\n\n## 4. Residual holds\n\n1. Current regulation: Authenticate official October 2026 text and amendment history for relevant Parts 402 and 404 provisions.\n2. Rescission and refunds: Do not certify the exact current § 402.10 delivery, posting or counseling-fee exception from the 2022 extract alone.\n3. Unused money: Section 402.22 remains a material unresolved source.\n4. Fees: No universal New York fee ceiling, absence of a ceiling, or approved fee formula has been established.\n5. Source provenance: Official publication-route verification is not full-text verification. The Westlaw HTTP 403 failure remains recorded.\n6. Research status: This correction establishes neither category-1 publication readiness nor completion of the other six New York categories.\n\nResearcher self-check: The conflicting descriptions have been reconciled against the saved response. No new web retrieval, independent legal review, local file write, publication or account action was performed. The correction changes evidence provenance only; it does not strengthen the underlying legal claim.\n\nEND S_NY ACCESS-01\n\n","tables":[{"headers":[],"index":0,"links":[{"href":"https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"}],"row_links":[[],[{"href":"https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"}]],"rows":[["Source ID","Title / issuer","Direct literal HTTPS URL","Pinpoint","Version / effective status","Actual check date","Actual access method / limitations"],["S_NY-P02-S003","3 NYCRR § 402.10, unofficial Westlaw NYCRR reproduction","https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","§ 402.10(a)–(d), as represented in search extract","Reproduction labeled current through February 15, 2022; October 2026 official status unverified","2026-10-22","Search extract only. Direct full-page opening attempted and failed HTTP 403. Not opened."]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Record","Corrected disposition","Consequence"],["S_NY-P02-C005","Partial; historical secondary search extract, with separately reported prior Cornell access","Remove the affirmative “opened Westlaw reproduction” wording"],["S_NY-P02-S003","Search-extract-only; HTTP 403 on direct opening","Preserve the failed-access record"],["S_NY-P01-S018","Prior secondary evidence reportedly opened in pass-01","Do not count as a fresh pass-02 opening"],["S_NY-P02-C009","Separate § 402.11 ordinary-termination finding","Unchanged; does not authenticate § 402.10"],["Three-business-day rescission","Partial","Banking Law § 584-a independently supports the contractual cancellation-notice requirement; complete regulatory mechanics remain unverified"],["Written delivery and posting","Partial","Authenticate current official § 402.10(b)–(c)"],["Contract-fee and counseling-fee refunds","Partial","Authenticate current official § 402.10(d) and related provisions"],["Unused debtor funds","Unresolved","Obtain current official § 402.22"],["Official regulatory access route","Route verified by coordinator","DOS State Register link to public Westlaw NYCRR does not authenticate every section or amendment"],["DFS annual-report deadline","No new 2026 conclusion","Historical 2025 prose cannot establish a 2026 deadline"]]}],"claims":[],"sources":[{"source_id":"S_NY-P02-S003","urls":["https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S003","Title / issuer":"3 NYCRR § 402.10, unofficial Westlaw NYCRR reproduction","Direct literal HTTPS URL":"https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","Pinpoint":"§ 402.10(a)–(d), as represented in search extract","Version / effective status":"Reproduction labeled current through February 15, 2022; October 2026 official status unverified","Actual check date":"2026-10-22","Actual access method / limitations":"Search extract only. Direct full-page opening attempted and failed HTTP 403. Not opened."},"coordinator_verification_status":"access_correction_matches_saved_pass02_source_row_not_current_law_verification","coordinator_check_evidence":"[internal evidence reference]"}],"coverage":[{"topic":"S_NY-P02-C005","researcher_record":{"Record":"S_NY-P02-C005","Corrected disposition":"Partial; historical secondary search extract, with separately reported prior Cornell access","Consequence":"Remove the affirmative “opened Westlaw reproduction” wording"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"S_NY-P02-S003","researcher_record":{"Record":"S_NY-P02-S003","Corrected disposition":"Search-extract-only; HTTP 403 on direct opening","Consequence":"Preserve the failed-access record"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"S_NY-P01-S018","researcher_record":{"Record":"S_NY-P01-S018","Corrected disposition":"Prior secondary evidence reportedly opened in pass-01","Consequence":"Do not count as a fresh pass-02 opening"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"S_NY-P02-C009","researcher_record":{"Record":"S_NY-P02-C009","Corrected disposition":"Separate § 402.11 ordinary-termination finding","Consequence":"Unchanged; does not authenticate § 402.10"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"Three-business-day rescission","researcher_record":{"Record":"Three-business-day rescission","Corrected disposition":"Partial","Consequence":"Banking Law § 584-a independently supports the contractual cancellation-notice requirement; complete regulatory mechanics remain unverified"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"Written delivery and posting","researcher_record":{"Record":"Written delivery and posting","Corrected disposition":"Partial","Consequence":"Authenticate current official § 402.10(b)–(c)"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"Contract-fee and counseling-fee refunds","researcher_record":{"Record":"Contract-fee and counseling-fee refunds","Corrected disposition":"Partial","Consequence":"Authenticate current official § 402.10(d) and related provisions"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"Unused debtor funds","researcher_record":{"Record":"Unused debtor funds","Corrected disposition":"Unresolved","Consequence":"Obtain current official § 402.22"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"Official regulatory access route","researcher_record":{"Record":"Official regulatory access route","Corrected disposition":"Route verified by coordinator","Consequence":"DOS State Register link to public Westlaw NYCRR does not authenticate every section or amendment"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"},{"topic":"DFS annual-report deadline","researcher_record":{"Record":"DFS annual-report deadline","Corrected disposition":"No new 2026 conclusion","Consequence":"Historical 2025 prose cannot establish a 2026 deadline"},"coordinator_acceptance":"provenance_reconciled_only_current_legal_coverage_not_accepted","extraction_provenance":"Exact visible correction disposition table; manual classification"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}