{"meta":{"key":"s_ny--pass-02","task":"S_NY","title":"SNY New York provider fees, cancellation and debtor funds","parent_title":"New York debt and debt relief law","edition":"pass-02","path":"/research/s_ny--pass-02/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-23","tables":6,"claims":13,"sources":18,"review_status":"revise","review_complete":true,"sha256":"867f960e222fec8b67895a86dcf14524d333206b3802ce87dd0ce69eb78c2ec1","headings":["1. Findings and regulatory status","S_NY-P02-C001 — Part 402 applicability","S_NY-P02-C002 — Part 404 is substantively relevant","S_NY-P02-C003 — Fee-structure modification","S_NY-P02-C004 — Counseling and creditor payments","S_NY-P02-C005 — Rescission and counseling-fee exception","S_NY-P02-C006 — Trust-account titling and individual debtor accounting","S_NY-P02-C007 — Bond coverage and reporting","S_NY-P02-C008 — Records and examination trail","S_NY-P02-C009 — Ordinary termination is distinct from rescission","S_NY-P02-C010 — Official compilation and amendment history","2. Source register","3. Additional Part 404 findings","Source-register additions","4. Claim/evidence register","5. Granular coverage table","6. Conditional refund illustration","7. Corrections to pass-01","8. Persistent publication holds","9. Researcher self-check"],"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/pass-02","facets":{"geography":["us","us-ny"],"debt_type":[],"stage":[],"subject":["definitions-classification","fees-outcomes","client-money","provider-licensing"]},"scope":"Current NY provider fee/cancellation/funds regulations; other categories remain pending","pending_corrections":0},"markdown":"# S_NY PASS-02 — New York provider fees, cancellation and debtor funds\n\nSettleADebt.com | A066 | Research baseline and actual check: October 22, 2026 | GPT-6, regular Chat | No Deep Research invoked\n\n## 1. Findings and regulatory status\n\nThe most important new finding is that 3 NYCRR Part 404 is relevant to debtor-fund safeguarding, not simply another general fee regulation.\n\nNew York DFS identifies both Parts 402 and 404 as regulations applicable to budget planners. Part 402 addresses licensed budget-planner operations, including fee-structure changes, rescission, termination, disbursements and return of unused funds. Part 404 addresses delegation of specified activities involving debtor money to service providers. Department of Financial Services+2\n\nCritical source-status limitation: New York's publicly accessible Westlaw NYCRR is explicitly labeled Unofficial. It reproduces the official compilation but warns that its section-level currency dates may precede later State Register amendments. The located Justia reproduction reports currency through June 25, 2025. Neither establishes, by itself, the complete operative regulatory text on October 22, 2026.\n\nConsequently, this pass establishes additional regulatory text and its apparent applicability, but does not certify that the entire current official Parts 402 and 404 have been authenticated.\n\n### S_NY-P02-C001 — Part 402 applicability\n\nPart 402 is titled Budget Planners and is issued under Banking Law §§ 12 and 587. Its listed provisions include:\n\n- § 402.3 — Services provided by licensees.\n- § 402.10 — Rescission.\n- § 402.11 — Term and termination.\n- § 402.14 — Fee-structure changes.\n- § 402.15 — Noncommingling.\n- § 402.21 — Books and records.\n- § 402.22 — Return of unused debtor funds.\n\nThe rules are framed around licensed budget planners; their existence does not independently classify every commercial negotiation-only provider as a licensee. LII / Legal Information Institute\n\n### S_NY-P02-C002 — Part 404 is substantively relevant\n\nThe opened reproduction of § 404.2 states that where a licensed budget planner uses a licensed or nonlicensed service provider to hold, access or obtain possession of debtor money, the service arrangement is subject to §§ 404.3–404.6.\n\nThis is a meaningful correction to the earlier assumption that Part 404 might be irrelevant. It is particularly important for third-party payment administrators.\n\nHowever, the precise obligations imposed by §§ 404.3–404.6 still require full examination. Section 404.2 alone does not establish the complete bonding, custody, contractual or monitoring requirements. govt.westlaw.com\n\n### S_NY-P02-C003 — Fee-structure modification\n\nThe reproduced § 402.14 states that a licensee proposing to change its debtor fee structure must notify the superintendent in writing at least 30 calendar days before implementation.\n\nIt describes superintendent review considering operational expenses, debtors' financial condition and other relevant factors. It also describes a 30-day disapproval period, subject to written extension.\n\nThis is a procedure for changes to an existing licensee's fee structure. It does not establish a universal percentage ceiling, approval of a particular fee amount, or a right to impose otherwise unlawful charges. Justia\n\nStatus: Text corroborated by a reproduction current through June 25, 2025; October 2026 official currency unverified.\n\n### S_NY-P02-C004 — Counseling and creditor payments\n\nThe reproduced § 402.3(a) requires an initial assessment of the prospective debtor's finances and whether the arrangement is economically appropriate. If not, the licensee must recommend appropriate alternatives, including legal advice or bankruptcy.\n\nSubsection (b) requires budgeting, education and counseling services.\n\nSubsection (c) requires prompt transmission of debtor funds to creditors, less contractual fees that are actually due and owing.\n\nThis last qualification matters: it does not authorize deduction of fees merely because the contract lists them. Their validity and due date must be independently established. govt.westlaw.com\n\n### S_NY-P02-C005 — Rescission and counseling-fee exception\n\nThe opened Westlaw reproduction of § 402.10 provides:\n\n- Subsection (a): rescission through midnight of the third business day after signing; notice must be explained before or at execution.\n- Subsection (b): written rescission notice.\n- Subsection (c): properly addressed and posted mailed notice deemed given when deposited in the mailbox.\n- Subsection (d): prompt return of contract-associated fees paid to the licensee following timely rescission, excluding reasonable counseling fees imposed separately from execution of the budget-planning contract.\n\nThe exception is conditional. A charge is not necessarily a valid counseling fee merely because the provider labels it that way. govt.westlaw.com\n\nStatus: Opened reproduction current through February 15, 2022. The October 2026 official version and subsequent amendment history remain unverified.\n\n### S_NY-P02-C006 — Trust-account titling and individual debtor accounting\n\nThe full text of § 402.15(a)–(b) was opened in Cornell's regulatory reproduction. It requires accounts holding debtor funds to carry the prescribed agency-for-debtors title and records that identify each debtor's balance on any given day. It also requires the account to be maintained at a qualifying financial institution's New York branch.\n\nDFS independently confirms these requirements on its official licensing page, including the prescribed title and New York branch requirement. LII / Legal Information Institute+1\n\nThis provides official agency corroboration of the substantive requirements, although the official October 2026 regulatory compilation has not been authenticated.\n\n### S_NY-P02-C007 — Bond coverage and reporting\n\nDFS states that the licensee's bond or asset pledge must cover 100% of the highest daily balance of New York debtor funds held for creditor disbursement, or an average balance if previously approved.\n\nDFS also specifies quarterly reporting within 10 business days after quarter-end, including the relevant highest or approved average daily balance. Department of Financial Services\n\nThe important qualification is that the DFS description and Banking Law § 580(4)'s baseline bond provisions must be read together. A $250,000 statutory baseline does not independently establish the correct bond for every licensee.\n\n### S_NY-P02-C008 — Records and examination trail\n\nThe located reproduction of § 402.21 identifies a minimum six-year regulatory record-retention requirement and specific categories of rejected and canceled debtor applications.\n\nThis is more demanding than simply keeping a final account balance. A compliance audit needs the original enrollment decision, cancellation documentation, transaction ledger, creditor remittances and fee records. govt.westlaw.com\n\nThe section's complete record-category list and October 2026 currency remain unverified.\n\n### S_NY-P02-C009 — Ordinary termination is distinct from rescission\n\nA further regulatory provision was located: 3 NYCRR § 402.11.\n\nIts reproduced text states that licensed budget-planner contracts are limited to a payment period not exceeding 60 months, must permit debtor termination on 10 days' written notice without a termination fee or penalty, and must provide for return of debtor money remaining in the licensee's possession. Assignment requires the debtor's written consent. LII / Legal Information Institute\n\nThis is materially different from the three-business-day rescission remedy under § 402.10. A consumer terminating later should not automatically be promised a refund of every fee previously earned and lawfully collected.\n\nEvidence status: Secondary text located; current official version and any additional § 402.22 requirements remain unverified.\n\n### S_NY-P02-C010 — Official compilation and amendment history\n\nThe New York Department of State identifies its Division of Administrative Rules as the compiler of the official NYCRR and publisher of the weekly State Register. Its materials distinguish publicly available unofficial text from the official compilation. Department of State+1\n\nThis resolves the source-authentication methodology, but not the substantive currency question: a complete check of relevant 2022–October 2026 amendments has not been completed.\n\nThe Department of State's official publication route must be used to reconcile the regulatory text and effective dates before certification.\n\n## 2. Source register\n\nAll retrievals below occurred October 22, 2026. “Opened” identifies actual page access; “search extract” means retrieved search-result text, not a successful full-page opening.\n\n| Source ID | Title / issuer | Direct literal HTTPS URL | Pinpoint | Version / effective status | Actual check date | Access method / limitations |\n| --- | --- | --- | --- | --- | --- | --- |\n| S_NY-P02-S001 | Budget Planner Licensing, NY DFS | [https://www.dfs.ny.gov/apps_and_licensing/budget_planners](https://www.dfs.ny.gov/apps_and_licensing/budget_planners?utm_source=chatgpt.com) | Licensing; Annual/Quarterly Reporting; Changes in NY Trust Account | Live official guidance; publication/effective date unstated | 2026-10-22 | Opened official DFS page; administrative instructions, not full NYCRR |\n| S_NY-P02-S002 | Part 402 index, Westlaw NYCRR | [https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default](https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=(sc.Default)&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default&utm_source=chatgpt.com) | §§ 402.1–402.23 | Unofficial compilation; section currency varies | 2026-10-22 | Search extract; complete Part not opened |\n| S_NY-P02-S003 | § 402.10, Westlaw NYCRR | [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) | (a)–(d) | Unofficial; current through Feb. 15, 2022 | 2026-10-22 | Search text retrieved; direct opening failed HTTP 403 |\n| S_NY-P02-S004 | § 402.14, Justia | [https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/](https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/?utm_source=chatgpt.com) | Entire section | Secondary; through June 25, 2025 | 2026-10-22 | Search text retrieved; direct opening timed out |\n| S_NY-P02-S005 | § 402.3, Westlaw NYCRR | [https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText](https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com) | (a)–(c) | Unofficial; through Feb. 15, 2022 | 2026-10-22 | Search extract; no successful full-page opening |\n| S_NY-P02-S006 | § 404.2, Westlaw NYCRR | [https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText](https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com) | Explanatory note | Unofficial; current official status unverified | 2026-10-22 | Search text retrieved; direct opening failed HTTP 403 |\n| S_NY-P02-S007 | § 402.15, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15?utm_source=chatgpt.com) | (a)–(b) | Secondary; current effective text not authenticated | 2026-10-22 | Opened full reproduced section |\n| S_NY-P02-S008 | § 402.21, Westlaw NYCRR | [https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText](https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com) | (a)(1)–(2) | Unofficial; date not established | 2026-10-22 | Search extract; remainder not examined |\n| S_NY-P02-S009 | § 402.11, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11?utm_source=chatgpt.com) | (a)–(c) | Secondary; official current status unverified | 2026-10-22 | Opened full reproduced section |\n| S_NY-P02-S010 | § 402.22, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22?utm_source=chatgpt.com) | Return of unused debtor funds | Version unknown | 2026-10-22 | Direct retrieval failed; no substantive text authenticated |\n| S_NY-P02-S011 | Part 404 index, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404](https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404?utm_source=chatgpt.com) | §§ 404.1–404.14 | Secondary; repealed entries identified | 2026-10-22 | Opened index; individual operative sections not yet read |\n| S_NY-P02-S012 | Division of Administrative Rules, NY DOS | [https://dos.ny.gov/node/1126](https://dos.ny.gov/node/1126?utm_source=chatgpt.com) | Mission; Core Services | Live official publication guidance | 2026-10-22 | Opened official page; does not supply full code |\n| S_NY-P02-S013 | State Records Rules, NY DOS | [https://dos.ny.gov/node/35516](https://dos.ny.gov/node/35516?utm_source=chatgpt.com) | Official-compilation disclaimer | Live official guidance | 2026-10-22 | Search extract; not separately opened |\n| S_NY-P02-S014 | State Register, NY DOS | [https://dos.ny.gov/state-register](https://dos.ny.gov/state-register?utm_source=chatgpt.com) | Register archive and official publication route | Live official index; individual amendment history not established | 2026-10-22 | Search results; no exhaustive issue-by-issue review |\n| S_NY-P02-S015 | Part 402 index, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402](https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402?utm_source=chatgpt.com) | §§ 402.1–402.23 | Secondary quarterly reproduction | 2026-10-22 | Search index; not complete official text |\n\nThe source register intentionally does not claim access to an official, consolidated October 2026 version of Parts 402 or 404. Nor was an individualized DFS fee approval, contract approval or interpretive ruling obtained.\n\n## 3. Additional Part 404 findings\n\nThree more sections were successfully opened in Cornell's secondary regulatory compilation.\n\nS_NY-P02-C011 — Licensed service-provider delegation (§ 404.3). A licensed budget planner using another licensed service provider for debtor-money custody, access or distribution must give the superintendent 10 days' written notice. The notice includes the provider's identity, services, agreement and highest daily funds exposure. Depending on the superintendent's determination, additional bond/deposit protection or an approved alternative mechanism may be required. The licensee cannot proceed before the specified written regulatory confirmation when required. LII / Legal Information Institute\n\nS_NY-P02-C012 — Nonlicensed service-provider delegation (§ 404.4). A nonlicensed payment administrator is not automatically outside the safeguarding rules. The reproduced section requires 10 days' written notice, extensive provider/control-person information, the service contract and maximum daily funds exposure. It also imposes examination-access and asset-deposit conditions, subject to specified exceptions and regulator-approved alternatives. The licensee must obtain the prescribed written receipt confirmation before using the arrangement. LII / Legal Information Institute\n\nS_NY-P02-C013 — Termination of service-provider agreements (§ 404.5). Covered agreements must provide at least 30 days' written notice of termination, and the licensed budget planner must notify the superintendent immediately when the termination notice is sent or received. This governs the provider-to-provider arrangement, not the consumer's separate 10-day termination provision in § 402.11. LII / Legal Information Institute\n\nThese findings establish that Part 404 is materially relevant to third-party debtor-fund arrangements. They do not establish that Part 404 independently sets consumer fee ceilings.\n\n### Source-register additions\n\n| Source ID | Title / issuer | Direct literal HTTPS URL | Pinpoint | Version / effective status | Check date | Access method / limits |\n| --- | --- | --- | --- | --- | --- | --- |\n| S_NY-P02-S016 | § 404.3, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3?utm_source=chatgpt.com) | (a)–(g) | Secondary; October 2026 official status unverified | 2026-10-22 | Opened full reproduced section |\n| S_NY-P02-S017 | § 404.4, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4?utm_source=chatgpt.com) | (a)–(f) | Secondary; October 2026 official status unverified | 2026-10-22 | Opened full reproduced section |\n| S_NY-P02-S018 | § 404.5, Cornell LII | [https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5](https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5?utm_source=chatgpt.com) | (a)–(b) | Secondary; October 2026 official status unverified | 2026-10-22 | Opened full reproduced section |\n\n## 4. Claim/evidence register\n\nAll claims concern A066 — New York, except where explicitly discussing source-authentication methodology. Dates are the October 22, 2026 research baseline, not independently established regulatory effective dates.\n\n| Claim ID | Area | Precise claim | Sources / pinpoints | Conditions and exceptions | Evidence status |\n| --- | --- | --- | --- | --- | --- |\n| S_NY-P02-C001 | A066 | Part 402 regulates licensed budget-planner operations, including contracts, fees and funds. | S_NY-P02-S001, licensing section; S002, Part 402 index | Does not independently classify negotiation-only providers | Official DFS confirmation; unofficial regulatory index |\n| S_NY-P02-C002 | A066 | Part 404 addresses delegated custody/access/distribution of debtor funds. | S001, licensing section; S006, § 404.2; S011, Part 404 index | Applies to arrangements within its definitions | Official DFS identifies Part; operative text secondary |\n| S_NY-P02-C003 | A066 | Reproduced § 402.14 requires 30-calendar-day advance fee-change notice and regulatory review. | S004, § 402.14 | Existing licensee fee-structure changes; disapproval/extension provisions | Secondary 2025 text; current status unverified |\n| S_NY-P02-C004 | A066 | Reproduced § 402.3 requires financial assessment, counseling and prompt creditor remittance less fees due. | S005, § 402.3(a)–(c) | Only lawfully due contractual fees; covered licensees | Secondary 2022 extract |\n| S_NY-P02-C005 | A066 | Reproduced § 402.10 specifies three-business-day rescission, written notice, mailing and conditional fee refunds. | S003, § 402.10(a)–(d) | Reasonable separately imposed counseling-fee exception | Secondary 2022 extract; direct open failed |\n| S_NY-P02-C006 | A066 | Debtor funds require prescribed trust-account titling and individual balance records at a qualifying NY branch. | S007, § 402.15(a)–(b); S001, trust-account section | Licensed budget planners; attorney arrangements separately governed | Opened secondary rule; official DFS corroboration |\n| S_NY-P02-C007 | A066 | DFS describes 100% funds-exposure bond/deposit coverage and quarterly reporting within 10 business days. | S001, quarterly reporting and trust-account sections | Approved average-balance alternative; statutory bond framework | Opened official DFS guidance |\n| S_NY-P02-C008 | A066 | Reproduced § 402.21 requires at least six years of regulatory records. | S008, § 402.21(a) | Full list of required records not examined | Partial secondary extract |\n| S_NY-P02-C009 | A066 | Reproduced § 402.11 provides a 60-month contract limit, 10-day written termination, return of funds in possession and assignment restrictions. | S009, § 402.11(a)–(c) | Termination is distinct from timely rescission | Opened secondary text |\n| S_NY-P02-C010 | A066 | DOS maintains the official compilation and State Register publication system. | S012, Core Services; S013, official-compilation disclaimer; S014, Register | Public reproductions do not establish complete current law | Official agency material; amendment reconciliation incomplete |\n| S_NY-P02-C011 | A066 | Reproduced § 404.3 regulates use of licensed service providers handling debtor funds. | S016, § 404.3(a)–(g) | Notice, exposure reporting, possible extra security and approvals | Opened secondary text |\n| S_NY-P02-C012 | A066 | Reproduced § 404.4 imposes notice, documentation, examination and security conditions on nonlicensed service providers. | S017, § 404.4(a)–(f) | Statutory deposit exceptions and regulator-approved alternatives | Opened secondary text |\n| S_NY-P02-C013 | A066 | Reproduced § 404.5 requires 30-day notice for covered provider-contract termination and immediate DFS notification. | S018, § 404.5(a)–(b) | Not the debtor's termination period | Opened secondary text |\n\nNo claim in this register establishes a universal New York consumer fee cap, a legally approved fee percentage, a complete unsuccessful-enrollment refund rule, or the absence of any such rule.\n\n## 5. Granular coverage table\n\n| Assigned subtopic | Status | Claims | Missing evidence | Exact next step |\n| --- | --- | --- | --- | --- |\n| Official Part 402 authentication | partial | C001, C010 | Official October 2026 consolidated text | Obtain official compilation and reconcile amendments |\n| Official Part 404 authentication | partial | C002, C010–C013 | Official version and amendment history | Obtain official Part 404 and confirm repealed sections |\n| Part 402 versus Part 404 applicability | partial | C001, C002, C011–C013 | Complete definitions and service-provider exceptions | Read § 404.1 and full operative Part 404 |\n| DFS fee approvals and interpretations | unresolved | C003 | Individual approvals, authoritative rulings | Search DFS orders, opinions and licensing records |\n| Consumer fee ceilings | unresolved | C003, C004 | Complete state fee authorities | Verify all applicable statutes, NYCRR and DFS interpretations |\n| Fee timing and calculations | partial | C003, C004 | State fee rules; federal TSR where applicable | Authenticate NY rules and current federal text |\n| Counseling versus contract fees | partial | C004, C005 | Fee classification and reasonableness standards | Authenticate § 402.10 and search interpretations |\n| Creditor payments and rebates | partial | C004 | Rebate handling and complete remittance rules | Recheck Banking Law § 584-b and operative regulations |\n| Unsuccessful enrollment charges | unresolved | C003–C005 | Controlling fee entitlement and refund requirements | Review fee rules, § 402.22 and DFS decisions |\n| Three-business-day rescission | partial | C005 | Official current § 402.10 | Obtain official text and amendment history |\n| Written notice and mailing | partial | C005 | Official current delivery requirements | Verify § 402.10(b)–(c) |\n| Contract-fee refunds | partial | C005 | Current rule and related refund provisions | Authenticate §§ 402.10 and 402.22 |\n| Ordinary termination/prepayment | partial | C009 | Official § 402.11; separate prepayment treatment | Obtain official text and reconcile with Banking Law § 584-a |\n| Return of unused funds | unresolved | C009 | § 402.22 retrieval failed; general return requirements incomplete | Obtain full official § 402.22 |\n| Trust-account titling and location | partial | C006 | Official current § 402.15 | Reconcile official regulation with DFS guidance |\n| Individual debtor accounting | partial | C006, C008 | Full books/records requirements | Obtain official § 402.21 |\n| Disbursement timing | partial | C004 | Definition of prompt payment and exceptions | Search operative rules and DFS enforcement decisions |\n| Bond coverage | partial | C007, C011, C012 | Official §§ 402.5–402.7 and delegated-funds calculations | Authenticate bond/deposit provisions |\n| Licensed service-provider delegation | partial | C011 | Current official § 404.3 | Verify text and approval exceptions |\n| Nonlicensed service-provider delegation | partial | C012 | Current official § 404.4 | Verify text and alternative security mechanisms |\n| Service-provider termination | partial | C013 | Current official § 404.5 | Verify official text |\n| Effective/amendment history | unresolved | C010 | Exhaustive adopted-rule history through October 22, 2026 | Reconcile State Register filings and official supplements |\n| Other six S_NY categories | excluded_with_reason | None | Entire remaining parent scope | Research separately; not part of pass-02 |\n\n## 6. Conditional refund illustration\n\nNo consumer fee ceiling has been authenticated, so no fee-legality example is appropriate.\n\nFor accounting purposes only, suppose a licensed budget planner holds $1,200 of debtor deposits and has transmitted $500 to creditors.\n\n- Deposits = $300/month × 4 months = $1,200.\n- Undisbursed balance = $1,200 − $500 = $700.\n\nUnder the reproduced § 402.11, ordinary termination triggers return of debtor money remaining in the licensee's possession. But the hypothetical $700 cannot automatically be represented as the legally payable refund without verifying the actual ledger, custody, pending transactions, contract provisions and controlling regulations.\n\nIf rescission occurred within the three-business-day period, the separate § 402.10 fee-refund provisions would also require analysis.\n\n## 7. Corrections to pass-01\n\n| Earlier claim | Pass-02 correction |\n| --- | --- |\n| S_NY-P01-C018 / C028 | § 402.14's 30-day fee-change procedure has now been located in a 2025 reproduction. Still not authenticated as October 2026 official law. |\n| S_NY-P01-C023 | § 402.10(a)–(d) has been corroborated by a Westlaw search extract; direct opening returned HTTP 403. Do not upgrade its currency. |\n| S_NY-P01-C027 | DFS directly corroborates trust-account titling, location, reporting and coverage requirements; § 402.15(a)–(b) was opened in a secondary compilation. |\n| S_NY-P01-C030 / C031 | § 402.11 adds a concrete ordinary-termination framework. Section 402.22 remains inaccessible, so complete refund treatment is still held. |\n| S_NY-P01-C029 | No change: the absence of a numeric cap in previously examined provisions does not establish that no other ceiling exists. |\n| S_NY-P01-C034 | Part 404 confirms substantial regulation of delegated debtor-fund activity. It does not resolve the classification of a genuinely negotiation-only provider. |\n\n## 8. Persistent publication holds\n\nThe following must remain unpublished as affirmative legal conclusions until the missing evidence is authenticated:\n\n1. Any universal New York consumer debt-settlement fee ceiling or assertion that no ceiling exists.\n2. Any claim that a particular provider fee, counseling fee or unsuccessful-enrollment charge is legally approved.\n3. Any unconditional refund amount or deadline beyond the verified applicability of the relevant rules.\n4. Any assertion that Parts 402 and 404 were comprehensively authenticated as operative on October 22, 2026.\n5. Any blanket conclusion that third-party payment administration avoids licensing, trust-account or security requirements.\n\nThe immediate highest-value follow-up is obtaining the official current text of §§ 402.10, 402.11, 402.14, 402.15, 402.22 and 404.1–404.5, together with applicable amendment records. Section 402.22 is the most significant unresolved refund source.\n\n## 9. Researcher self-check\n\n| Check | Result |\n| --- | --- |\n| Official DFS licensing and trust-account guidance opened | Yes |\n| Official DOS publication authority opened | Yes |\n| Secondary § 402.15 and § 402.11 opened | Yes |\n| Secondary §§ 404.3–404.5 opened | Yes |\n| § 402.10 full direct opening | Failed, HTTP 403 |\n| § 402.14 full direct opening | Failed, timeout |\n| § 402.22 direct retrieval | Failed |\n| Complete official 2026 Parts 402 and 404 obtained | No |\n| Complete amendment history verified | No |\n| Specific DFS fee/contract approvals obtained | No |\n| Universal consumer fee ceiling established | No |\n| Other six parent categories researched | No |\n| Independent legal review | No |\n| Files written, outreach or publication | None |\n\nPass-02 disposition: Substantive gaps were narrowed, particularly regarding ordinary termination, DFS trust-account requirements and Part 404 service-provider safeguards. The requested current-official-regulation authentication remains incomplete. The coordinator should retain all source-access qualifications and publication holds.\n\nEND S_NY PASS-02\n\n","tables":[{"headers":[],"index":0,"links":[{"href":"https://www.dfs.ny.gov/apps_and_licensing/budget_planners?utm_source=chatgpt.com","text":"https://www.dfs.ny.gov/apps_and_licensing/budget_planners"},{"href":"https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=(sc.Default)&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default"},{"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"},{"href":"https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/"},{"href":"https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"},{"href":"https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"},{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15"},{"href":"https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"},{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11"},{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22"},{"href":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404"},{"href":"https://dos.ny.gov/node/1126?utm_source=chatgpt.com","text":"https://dos.ny.gov/node/1126"},{"href":"https://dos.ny.gov/node/35516?utm_source=chatgpt.com","text":"https://dos.ny.gov/node/35516"},{"href":"https://dos.ny.gov/state-register?utm_source=chatgpt.com","text":"https://dos.ny.gov/state-register"},{"href":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402"}],"row_links":[[],[{"href":"https://www.dfs.ny.gov/apps_and_licensing/budget_planners?utm_source=chatgpt.com","text":"https://www.dfs.ny.gov/apps_and_licensing/budget_planners"}],[{"href":"https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=(sc.Default)&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default"}],[{"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"}],[{"href":"https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/?utm_source=chatgpt.com","text":"https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/"}],[{"href":"https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"}],[{"href":"https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15"}],[{"href":"https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com","text":"https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404"}],[{"href":"https://dos.ny.gov/node/1126?utm_source=chatgpt.com","text":"https://dos.ny.gov/node/1126"}],[{"href":"https://dos.ny.gov/node/35516?utm_source=chatgpt.com","text":"https://dos.ny.gov/node/35516"}],[{"href":"https://dos.ny.gov/state-register?utm_source=chatgpt.com","text":"https://dos.ny.gov/state-register"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402"}]],"rows":[["Source ID","Title / issuer","Direct literal HTTPS URL","Pinpoint","Version / effective status","Actual check date","Access method / limitations"],["S_NY-P02-S001","Budget Planner Licensing, NY DFS","https://www.dfs.ny.gov/apps_and_licensing/budget_planners","Licensing; Annual/Quarterly Reporting; Changes in NY Trust Account","Live official guidance; publication/effective date unstated","2026-10-22","Opened official DFS page; administrative instructions, not full NYCRR"],["S_NY-P02-S002","Part 402 index, Westlaw NYCRR","https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default","§§ 402.1–402.23","Unofficial compilation; section currency varies","2026-10-22","Search extract; complete Part not opened"],["S_NY-P02-S003","§ 402.10, Westlaw NYCRR","https://govt.westlaw.com/nycrr/Document/I4e770e0dcd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","(a)–(d)","Unofficial; current through Feb. 15, 2022","2026-10-22","Search text retrieved; direct opening failed HTTP 403"],["S_NY-P02-S004","§ 402.14, Justia","https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/","Entire section","Secondary; through June 25, 2025","2026-10-22","Search text retrieved; direct opening timed out"],["S_NY-P02-S005","§ 402.3, Westlaw NYCRR","https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","(a)–(c)","Unofficial; through Feb. 15, 2022","2026-10-22","Search extract; no successful full-page opening"],["S_NY-P02-S006","§ 404.2, Westlaw NYCRR","https://govt.westlaw.com/nycrr/Document/I4e775c21cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","Explanatory note","Unofficial; current official status unverified","2026-10-22","Search text retrieved; direct opening failed HTTP 403"],["S_NY-P02-S007","§ 402.15, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15","(a)–(b)","Secondary; current effective text not authenticated","2026-10-22","Opened full reproduced section"],["S_NY-P02-S008","§ 402.21, Westlaw NYCRR","https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","(a)(1)–(2)","Unofficial; date not established","2026-10-22","Search extract; remainder not examined"],["S_NY-P02-S009","§ 402.11, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.11","(a)–(c)","Secondary; official current status unverified","2026-10-22","Opened full reproduced section"],["S_NY-P02-S010","§ 402.22, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.22","Return of unused debtor funds","Version unknown","2026-10-22","Direct retrieval failed; no substantive text authenticated"],["S_NY-P02-S011","Part 404 index, Cornell LII","https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404","§§ 404.1–404.14","Secondary; repealed entries identified","2026-10-22","Opened index; individual operative sections not yet read"],["S_NY-P02-S012","Division of Administrative Rules, NY DOS","https://dos.ny.gov/node/1126","Mission; Core Services","Live official publication guidance","2026-10-22","Opened official page; does not supply full code"],["S_NY-P02-S013","State Records Rules, NY DOS","https://dos.ny.gov/node/35516","Official-compilation disclaimer","Live official guidance","2026-10-22","Search extract; not separately opened"],["S_NY-P02-S014","State Register, NY DOS","https://dos.ny.gov/state-register","Register archive and official publication route","Live official index; individual amendment history not established","2026-10-22","Search results; no exhaustive issue-by-issue review"],["S_NY-P02-S015","Part 402 index, Cornell LII","https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402","§§ 402.1–402.23","Secondary quarterly reproduction","2026-10-22","Search index; not complete official text"]]},{"headers":[],"index":1,"links":[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3"},{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4"},{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5"}],"row_links":[[],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4"}],[{"href":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5?utm_source=chatgpt.com","text":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5"}]],"rows":[["Source ID","Title / issuer","Direct literal HTTPS URL","Pinpoint","Version / effective status","Check date","Access method / limits"],["S_NY-P02-S016","§ 404.3, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3","(a)–(g)","Secondary; October 2026 official status unverified","2026-10-22","Opened full reproduced section"],["S_NY-P02-S017","§ 404.4, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4","(a)–(f)","Secondary; October 2026 official status unverified","2026-10-22","Opened full reproduced section"],["S_NY-P02-S018","§ 404.5, Cornell LII","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5","(a)–(b)","Secondary; October 2026 official status unverified","2026-10-22","Opened full reproduced section"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Area","Precise claim","Sources / pinpoints","Conditions and exceptions","Evidence status"],["S_NY-P02-C001","A066","Part 402 regulates licensed budget-planner operations, including contracts, fees and funds.","S_NY-P02-S001, licensing section; S002, Part 402 index","Does not independently classify negotiation-only providers","Official DFS confirmation; unofficial regulatory index"],["S_NY-P02-C002","A066","Part 404 addresses delegated custody/access/distribution of debtor funds.","S001, licensing section; S006, § 404.2; S011, Part 404 index","Applies to arrangements within its definitions","Official DFS identifies Part; operative text secondary"],["S_NY-P02-C003","A066","Reproduced § 402.14 requires 30-calendar-day advance fee-change notice and regulatory review.","S004, § 402.14","Existing licensee fee-structure changes; disapproval/extension provisions","Secondary 2025 text; current status unverified"],["S_NY-P02-C004","A066","Reproduced § 402.3 requires financial assessment, counseling and prompt creditor remittance less fees due.","S005, § 402.3(a)–(c)","Only lawfully due contractual fees; covered licensees","Secondary 2022 extract"],["S_NY-P02-C005","A066","Reproduced § 402.10 specifies three-business-day rescission, written notice, mailing and conditional fee refunds.","S003, § 402.10(a)–(d)","Reasonable separately imposed counseling-fee exception","Secondary 2022 extract; direct open failed"],["S_NY-P02-C006","A066","Debtor funds require prescribed trust-account titling and individual balance records at a qualifying NY branch.","S007, § 402.15(a)–(b); S001, trust-account section","Licensed budget planners; attorney arrangements separately governed","Opened secondary rule; official DFS corroboration"],["S_NY-P02-C007","A066","DFS describes 100% funds-exposure bond/deposit coverage and quarterly reporting within 10 business days.","S001, quarterly reporting and trust-account sections","Approved average-balance alternative; statutory bond framework","Opened official DFS guidance"],["S_NY-P02-C008","A066","Reproduced § 402.21 requires at least six years of regulatory records.","S008, § 402.21(a)","Full list of required records not examined","Partial secondary extract"],["S_NY-P02-C009","A066","Reproduced § 402.11 provides a 60-month contract limit, 10-day written termination, return of funds in possession and assignment restrictions.","S009, § 402.11(a)–(c)","Termination is distinct from timely rescission","Opened secondary text"],["S_NY-P02-C010","A066","DOS maintains the official compilation and State Register publication system.","S012, Core Services; S013, official-compilation disclaimer; S014, Register","Public reproductions do not establish complete current law","Official agency material; amendment reconciliation incomplete"],["S_NY-P02-C011","A066","Reproduced § 404.3 regulates use of licensed service providers handling debtor funds.","S016, § 404.3(a)–(g)","Notice, exposure reporting, possible extra security and approvals","Opened secondary text"],["S_NY-P02-C012","A066","Reproduced § 404.4 imposes notice, documentation, examination and security conditions on nonlicensed service providers.","S017, § 404.4(a)–(f)","Statutory deposit exceptions and regulator-approved alternatives","Opened secondary text"],["S_NY-P02-C013","A066","Reproduced § 404.5 requires 30-day notice for covered provider-contract termination and immediate DFS notification.","S018, § 404.5(a)–(b)","Not the debtor's termination period","Opened secondary text"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned subtopic","Status","Claims","Missing evidence","Exact next step"],["Official Part 402 authentication","partial","C001, C010","Official October 2026 consolidated text","Obtain official compilation and reconcile amendments"],["Official Part 404 authentication","partial","C002, C010–C013","Official version and amendment history","Obtain official Part 404 and confirm repealed sections"],["Part 402 versus Part 404 applicability","partial","C001, C002, C011–C013","Complete definitions and service-provider exceptions","Read § 404.1 and full operative Part 404"],["DFS fee approvals and interpretations","unresolved","C003","Individual approvals, authoritative rulings","Search DFS orders, opinions and licensing records"],["Consumer fee ceilings","unresolved","C003, C004","Complete state fee authorities","Verify all applicable statutes, NYCRR and DFS interpretations"],["Fee timing and calculations","partial","C003, C004","State fee rules; federal TSR where applicable","Authenticate NY rules and current federal text"],["Counseling versus contract fees","partial","C004, C005","Fee classification and reasonableness standards","Authenticate § 402.10 and search interpretations"],["Creditor payments and rebates","partial","C004","Rebate handling and complete remittance rules","Recheck Banking Law § 584-b and operative regulations"],["Unsuccessful enrollment charges","unresolved","C003–C005","Controlling fee entitlement and refund requirements","Review fee rules, § 402.22 and DFS decisions"],["Three-business-day rescission","partial","C005","Official current § 402.10","Obtain official text and amendment history"],["Written notice and mailing","partial","C005","Official current delivery requirements","Verify § 402.10(b)–(c)"],["Contract-fee refunds","partial","C005","Current rule and related refund provisions","Authenticate §§ 402.10 and 402.22"],["Ordinary termination/prepayment","partial","C009","Official § 402.11; separate prepayment treatment","Obtain official text and reconcile with Banking Law § 584-a"],["Return of unused funds","unresolved","C009","§ 402.22 retrieval failed; general return requirements incomplete","Obtain full official § 402.22"],["Trust-account titling and location","partial","C006","Official current § 402.15","Reconcile official regulation with DFS guidance"],["Individual debtor accounting","partial","C006, C008","Full books/records requirements","Obtain official § 402.21"],["Disbursement timing","partial","C004","Definition of prompt payment and exceptions","Search operative rules and DFS enforcement decisions"],["Bond coverage","partial","C007, C011, C012","Official §§ 402.5–402.7 and delegated-funds calculations","Authenticate bond/deposit provisions"],["Licensed service-provider delegation","partial","C011","Current official § 404.3","Verify text and approval exceptions"],["Nonlicensed service-provider delegation","partial","C012","Current official § 404.4","Verify text and alternative security mechanisms"],["Service-provider termination","partial","C013","Current official § 404.5","Verify official text"],["Effective/amendment history","unresolved","C010","Exhaustive adopted-rule history through October 22, 2026","Reconcile State Register filings and official supplements"],["Other six S_NY categories","excluded_with_reason","None","Entire remaining parent scope","Research separately; not part of pass-02"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Earlier claim","Pass-02 correction"],["S_NY-P01-C018 / C028","§ 402.14's 30-day fee-change procedure has now been located in a 2025 reproduction. Still not authenticated as October 2026 official law."],["S_NY-P01-C023","§ 402.10(a)–(d) has been corroborated by a Westlaw search extract; direct opening returned HTTP 403. Do not upgrade its currency."],["S_NY-P01-C027","DFS directly corroborates trust-account titling, location, reporting and coverage requirements; § 402.15(a)–(b) was opened in a secondary compilation."],["S_NY-P01-C030 / C031","§ 402.11 adds a concrete ordinary-termination framework. Section 402.22 remains inaccessible, so complete refund treatment is still held."],["S_NY-P01-C029","No change: the absence of a numeric cap in previously examined provisions does not establish that no other ceiling exists."],["S_NY-P01-C034","Part 404 confirms substantial regulation of delegated debtor-fund activity. It does not resolve the classification of a genuinely negotiation-only provider."]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Official DFS licensing and trust-account guidance opened","Yes"],["Official DOS publication authority opened","Yes"],["Secondary § 402.15 and § 402.11 opened","Yes"],["Secondary §§ 404.3–404.5 opened","Yes"],["§ 402.10 full direct opening","Failed, HTTP 403"],["§ 402.14 full direct opening","Failed, timeout"],["§ 402.22 direct retrieval","Failed"],["Complete official 2026 Parts 402 and 404 obtained","No"],["Complete amendment history verified","No"],["Specific DFS fee/contract approvals obtained","No"],["Universal consumer fee ceiling established","No"],["Other six parent categories researched","No"],["Independent legal review","No"],["Files written, outreach or publication","None"]]}],"claims":[{"claim_id":"S_NY-P02-C001","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C001","Area":"A066","Precise claim":"Part 402 regulates licensed budget-planner operations, including contracts, fees and funds.","Sources / pinpoints":"S_NY-P02-S001, licensing section; 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disapproval/extension provisions","Evidence status":"Secondary 2025 text; current status unverified"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C004","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C004","Area":"A066","Precise claim":"Reproduced § 402.3 requires financial assessment, counseling and prompt creditor remittance less fees due.","Sources / pinpoints":"S005, § 402.3(a)–(c)","Conditions and exceptions":"Only lawfully due contractual fees; covered licensees","Evidence status":"Secondary 2022 extract"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C005","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C005","Area":"A066","Precise claim":"Reproduced § 402.10 specifies three-business-day rescission, written notice, mailing and conditional fee refunds.","Sources / pinpoints":"S003, § 402.10(a)–(d)","Conditions and exceptions":"Reasonable separately imposed counseling-fee exception","Evidence status":"Secondary 2022 extract; 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statutory bond framework","Evidence status":"Opened official DFS guidance"},"coordinator_verification_status":"selected_agency_baseline_checked_rule_scope_held_for_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C008","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C008","Area":"A066","Precise claim":"Reproduced § 402.21 requires at least six years of regulatory records.","Sources / pinpoints":"S008, § 402.21(a)","Conditions and exceptions":"Full list of required records not examined","Evidence status":"Partial secondary extract"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C009","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C009","Area":"A066","Precise claim":"Reproduced § 402.11 provides a 60-month contract limit, 10-day written termination, return of funds in possession and assignment restrictions.","Sources / pinpoints":"S009, § 402.11(a)–(c)","Conditions and exceptions":"Termination is distinct from timely rescission","Evidence status":"Opened secondary text"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C010","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C010","Area":"A066","Precise claim":"DOS maintains the official compilation and State Register publication system.","Sources / pinpoints":"S012, Core Services; S013, official-compilation disclaimer; S014, Register","Conditions and exceptions":"Public reproductions do not establish complete current law","Evidence status":"Official agency material; amendment reconciliation incomplete"},"coordinator_verification_status":"selected_agency_baseline_checked_rule_scope_held_for_review","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C011","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C011","Area":"A066","Precise claim":"Reproduced § 404.3 regulates use of licensed service providers handling debtor funds.","Sources / pinpoints":"S016, § 404.3(a)–(g)","Conditions and exceptions":"Notice, exposure reporting, possible extra security and approvals","Evidence status":"Opened secondary text"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C012","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C012","Area":"A066","Precise claim":"Reproduced § 404.4 imposes notice, documentation, examination and security conditions on nonlicensed service providers.","Sources / pinpoints":"S017, § 404.4(a)–(f)","Conditions and exceptions":"Statutory deposit exceptions and regulator-approved alternatives","Evidence status":"Opened secondary text"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_NY-P02-C013","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"S_NY-P02-C013","Area":"A066","Precise claim":"Reproduced § 404.5 requires 30-day notice for covered provider-contract termination and immediate DFS notification.","Sources / pinpoints":"S018, § 404.5(a)–(b)","Conditions and exceptions":"Not the debtor's termination period","Evidence status":"Opened secondary text"},"coordinator_verification_status":"held_for_current_rule_authentication","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_NY-P02-S001","urls":["https://www.dfs.ny.gov/apps_and_licensing/budget_planners","https://www.dfs.ny.gov/apps_and_licensing/budget_planners?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S001","Title / issuer":"Budget Planner Licensing, NY DFS","Direct literal HTTPS URL":"https://www.dfs.ny.gov/apps_and_licensing/budget_planners","Pinpoint":"Licensing; Annual/Quarterly Reporting; Changes in NY Trust Account","Version / effective status":"Live official guidance; publication/effective date unstated","Actual check date":"2026-10-22","Access method / limitations":"Opened official DFS page; administrative instructions, not full NYCRR"},"coordinator_verification_status":"selected_agency_passage_checked_scope_limited","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NY-P02-S002","urls":["https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default","https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=(sc.Default)&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S002","Title / issuer":"Part 402 index, Westlaw NYCRR","Direct literal HTTPS URL":"https://govt.westlaw.com/nycrr/Browse/Home/NewYork/UnofficialNewYorkCodesRulesandRegulations?contextData=%28sc.Default%29&guid=I74682ae0a5cf11dd9034b8065051ac11&originationContext=documenttoc&transitionType=Default","Pinpoint":"§§ 402.1–402.23","Version / effective status":"Unofficial compilation; 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direct opening failed HTTP 403"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S004","urls":["https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/","https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S004","Title / issuer":"§ 402.14, Justia","Direct literal HTTPS URL":"https://regulations.justia.com/states/new-york/title-3/chapter-iii/subchapter-b/part-402/section-402-14/","Pinpoint":"Entire section","Version / effective status":"Secondary; through June 25, 2025","Actual check date":"2026-10-22","Access method / limitations":"Search text retrieved; direct opening timed out"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S005","urls":["https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S005","Title / issuer":"§ 402.3, Westlaw NYCRR","Direct literal HTTPS URL":"https://govt.westlaw.com/nycrr/Document/I4e770df8cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","Pinpoint":"(a)–(c)","Version / effective status":"Unofficial; 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direct opening failed HTTP 403"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S007","urls":["https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S007","Title / issuer":"§ 402.15, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-402.15","Pinpoint":"(a)–(b)","Version / effective status":"Secondary; current effective text not authenticated","Actual check date":"2026-10-22","Access method / limitations":"Opened full reproduced section"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S008","urls":["https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=(sc.Default)&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S008","Title / issuer":"§ 402.21, Westlaw NYCRR","Direct literal HTTPS URL":"https://govt.westlaw.com/nycrr/Document/I4e773517cd1711dda432a117e6e0f345?contextData=%28sc.Default%29&originationContext=documenttoc&transitionType=CategoryPageItem&viewType=FullText","Pinpoint":"(a)(1)–(2)","Version / effective status":"Unofficial; 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no substantive text authenticated"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S011","urls":["https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404","https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S011","Title / issuer":"Part 404 index, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-404","Pinpoint":"§§ 404.1–404.14","Version / effective status":"Secondary; repealed entries identified","Actual check date":"2026-10-22","Access method / limitations":"Opened index; individual operative sections not yet read"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S012","urls":["https://dos.ny.gov/node/1126","https://dos.ny.gov/node/1126?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S012","Title / issuer":"Division of Administrative Rules, NY DOS","Direct literal HTTPS URL":"https://dos.ny.gov/node/1126","Pinpoint":"Mission; Core Services","Version / effective status":"Live official publication guidance","Actual check date":"2026-10-22","Access method / limitations":"Opened official page; does not supply full code"},"coordinator_verification_status":"selected_agency_passage_checked_scope_limited","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NY-P02-S013","urls":["https://dos.ny.gov/node/35516","https://dos.ny.gov/node/35516?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S013","Title / issuer":"State Records Rules, NY DOS","Direct literal HTTPS URL":"https://dos.ny.gov/node/35516","Pinpoint":"Official-compilation disclaimer","Version / effective status":"Live official guidance","Actual check date":"2026-10-22","Access method / limitations":"Search extract; not separately opened"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S014","urls":["https://dos.ny.gov/state-register","https://dos.ny.gov/state-register?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S014","Title / issuer":"State Register, NY DOS","Direct literal HTTPS URL":"https://dos.ny.gov/state-register","Pinpoint":"Register archive and official publication route","Version / effective status":"Live official index; individual amendment history not established","Actual check date":"2026-10-22","Access method / limitations":"Search results; no exhaustive issue-by-issue review"},"coordinator_verification_status":"selected_agency_passage_checked_scope_limited","coordinator_review":"[internal evidence reference]"},{"source_id":"S_NY-P02-S015","urls":["https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402","https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S015","Title / issuer":"Part 402 index, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/title-3/chapter-III/subchapter-B/part-402","Pinpoint":"§§ 402.1–402.23","Version / effective status":"Secondary quarterly reproduction","Actual check date":"2026-10-22","Access method / limitations":"Search index; not complete official text"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S016","urls":["https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S016","Title / issuer":"§ 404.3, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.3","Pinpoint":"(a)–(g)","Version / effective status":"Secondary; October 2026 official status unverified","Check date":"2026-10-22","Access method / limits":"Opened full reproduced section"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S017","urls":["https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S017","Title / issuer":"§ 404.4, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.4","Pinpoint":"(a)–(f)","Version / effective status":"Secondary; October 2026 official status unverified","Check date":"2026-10-22","Access method / limits":"Opened full reproduced section"},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_NY-P02-S018","urls":["https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5","https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NY-P02-S018","Title / issuer":"§ 404.5, Cornell LII","Direct literal HTTPS URL":"https://www.law.cornell.edu/regulations/new-york/3-NYCRR-404.5","Pinpoint":"(a)–(b)","Version / effective status":"Secondary; October 2026 official status unverified","Check date":"2026-10-22","Access method / limits":"Opened full reproduced section"},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Official Part 402 authentication","researcher_record":{"Assigned subtopic":"Official Part 402 authentication","Status":"partial","Claims":"C001, C010","Missing evidence":"Official October 2026 consolidated text","Exact next step":"Obtain official compilation and reconcile amendments"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Official Part 404 authentication","researcher_record":{"Assigned subtopic":"Official Part 404 authentication","Status":"partial","Claims":"C002, C010–C013","Missing evidence":"Official version and amendment history","Exact next step":"Obtain official Part 404 and confirm repealed sections"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Part 402 versus Part 404 applicability","researcher_record":{"Assigned subtopic":"Part 402 versus Part 404 applicability","Status":"partial","Claims":"C001, C002, C011–C013","Missing evidence":"Complete definitions and service-provider exceptions","Exact next step":"Read § 404.1 and full operative Part 404"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"DFS fee approvals and interpretations","researcher_record":{"Assigned subtopic":"DFS fee approvals and interpretations","Status":"unresolved","Claims":"C003","Missing evidence":"Individual approvals, authoritative rulings","Exact next step":"Search DFS orders, opinions and licensing records"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer fee ceilings","researcher_record":{"Assigned subtopic":"Consumer fee ceilings","Status":"unresolved","Claims":"C003, C004","Missing evidence":"Complete state fee authorities","Exact next step":"Verify all applicable statutes, NYCRR and DFS interpretations"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Fee timing and calculations","researcher_record":{"Assigned subtopic":"Fee timing and calculations","Status":"partial","Claims":"C003, C004","Missing evidence":"State fee rules; federal TSR where applicable","Exact next step":"Authenticate NY rules and current federal text"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Counseling versus contract fees","researcher_record":{"Assigned subtopic":"Counseling versus contract fees","Status":"partial","Claims":"C004, C005","Missing evidence":"Fee classification and reasonableness standards","Exact next step":"Authenticate § 402.10 and search interpretations"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Creditor payments and rebates","researcher_record":{"Assigned subtopic":"Creditor payments and rebates","Status":"partial","Claims":"C004","Missing evidence":"Rebate handling and complete remittance rules","Exact next step":"Recheck Banking Law § 584-b and operative regulations"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Unsuccessful enrollment charges","researcher_record":{"Assigned subtopic":"Unsuccessful enrollment charges","Status":"unresolved","Claims":"C003–C005","Missing evidence":"Controlling fee entitlement and refund requirements","Exact next step":"Review fee rules, § 402.22 and DFS decisions"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Three-business-day rescission","researcher_record":{"Assigned subtopic":"Three-business-day rescission","Status":"partial","Claims":"C005","Missing evidence":"Official current § 402.10","Exact next step":"Obtain official text and amendment history"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Written notice and mailing","researcher_record":{"Assigned subtopic":"Written notice and mailing","Status":"partial","Claims":"C005","Missing evidence":"Official current delivery requirements","Exact next step":"Verify § 402.10(b)–(c)"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Contract-fee refunds","researcher_record":{"Assigned subtopic":"Contract-fee refunds","Status":"partial","Claims":"C005","Missing evidence":"Current rule and related refund provisions","Exact next step":"Authenticate §§ 402.10 and 402.22"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Ordinary termination/prepayment","researcher_record":{"Assigned subtopic":"Ordinary termination/prepayment","Status":"partial","Claims":"C009","Missing evidence":"Official § 402.11; separate prepayment treatment","Exact next step":"Obtain official text and reconcile with Banking Law § 584-a"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Return of unused funds","researcher_record":{"Assigned subtopic":"Return of unused funds","Status":"unresolved","Claims":"C009","Missing evidence":"§ 402.22 retrieval failed; general return requirements incomplete","Exact next step":"Obtain full official § 402.22"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Trust-account titling and location","researcher_record":{"Assigned subtopic":"Trust-account titling and location","Status":"partial","Claims":"C006","Missing evidence":"Official current § 402.15","Exact next step":"Reconcile official regulation with DFS guidance"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Individual debtor accounting","researcher_record":{"Assigned subtopic":"Individual debtor accounting","Status":"partial","Claims":"C006, C008","Missing evidence":"Full books/records requirements","Exact next step":"Obtain official § 402.21"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Disbursement timing","researcher_record":{"Assigned subtopic":"Disbursement timing","Status":"partial","Claims":"C004","Missing evidence":"Definition of prompt payment and exceptions","Exact next step":"Search operative rules and DFS enforcement decisions"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Bond coverage","researcher_record":{"Assigned subtopic":"Bond coverage","Status":"partial","Claims":"C007, C011, C012","Missing evidence":"Official §§ 402.5–402.7 and delegated-funds calculations","Exact next step":"Authenticate bond/deposit provisions"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Licensed service-provider delegation","researcher_record":{"Assigned subtopic":"Licensed service-provider delegation","Status":"partial","Claims":"C011","Missing evidence":"Current official § 404.3","Exact next step":"Verify text and approval exceptions"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Nonlicensed service-provider delegation","researcher_record":{"Assigned subtopic":"Nonlicensed service-provider delegation","Status":"partial","Claims":"C012","Missing evidence":"Current official § 404.4","Exact next step":"Verify text and alternative security mechanisms"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Service-provider termination","researcher_record":{"Assigned subtopic":"Service-provider termination","Status":"partial","Claims":"C013","Missing evidence":"Current official § 404.5","Exact next step":"Verify official text"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Effective/amendment history","researcher_record":{"Assigned subtopic":"Effective/amendment history","Status":"unresolved","Claims":"C010","Missing evidence":"Exhaustive adopted-rule history through October 22, 2026","Exact next step":"Reconcile State Register filings and official supplements"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"},{"topic":"Other six S_NY categories","researcher_record":{"Assigned subtopic":"Other six S_NY categories","Status":"excluded_with_reason","Claims":"None","Missing evidence":"Entire remaining parent scope","Exact next step":"Research separately; not part of pass-02"},"coordinator_acceptance":"not_accepted_remaining_current_source_and_parent_gaps","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}